There is no doubt about it – health insurance coverage packages aren’t created equal, testimony to which is the fact that they don’t cost the same. Low-income families know this all too well. Many of them have to overcome the challenges of being able to find health coverage that they can afford, but thankfully, this has now become a lot easier for them. This is because a Medi-Cal Program (find more info here) provides health coverage at little to no cost for its members, meaning that they will have access to lifesaving medical services should they need them. This is great – but the fact still remains that all health coverage packages vary in prices. It’s one thing learning of just how the exact same coverage terms can actually differ in costs based on the unique circumstances of each client who is taking out that coverage, but that basically just comes down to risk. It is how much of a risk you are which effectively determines the cost of your insurance premiums.
If you’re already suffering from a chronic condition for example, naturally your health insurance premiums will be much higher than those of someone who is not suffering from the same condition. You may even want to consider something like an instant disability insurance quote in the event your condition leaves you unable to work for periods of time. But getting medical insurance with a chronic condition is not impossible. You should be able to negotiate terms that you’ll be able to honour the payment of. Otherwise, health insurance coverage is no good if you can’t draw on it should you be faced with a medical emergency.
This swiftly brings into focus just exactly what comprehensive health insurance should cover, something which naturally has some implications to the costs involved.
Just because it’s listed as “comprehensive” coverage, this doesn’t mean you have to pay an arm and a leg for unnecessary bells and whistles which insurance companies are notorious for somehow working into their offerings. I mean if you don’t plan on travelling abroad anytime in the near future for example and in fact if you don’t travel frequently (more than twice a year) then your comprehensive health insurance coverage shouldn’t include something like travel insurance. It should focus on your needs, be it assisting with screening costs (as the process detailed in this helpful read can be extensive) and other expected medical situations instead.
This may sound a bit obvious, but many clients are often shocked to find that they’ve been paying for unnecessary coverage elements upon taking a closer look at exactly what their health insurance covers, often after quite a long time having been religiously paying their premiums. This often happens when it’s the next time to review the service you’re being offered, or indeed when the terms and conditions receive an update of which you are duly informed. So travel insurance (which includes health insurance while you’re abroad) should be bought separately on each occasion that you travel and should not be an inherent part of your regular comprehensive health insurance policy.
Something else of which its inclusion should depend on your own unique circumstances is that of something like legal coverage for cases such as personal injury (suffered in the line of duty) and everything surrounding that, i.e. nursing home abuse cases, sexual abuse, etc. The consultation for which you would otherwise pay for the coverage of as part of some extended benefits of comprehensive health insurance policy can be offset by using the services of law firms like Kosieradzki Smith Law Firm, which offers free consultations, but naturally this would depend on your location as an indication of your ability to access such free, quality services.
Now, to answer the question of what your comprehensive health insurance should cover, the answer is simply that it should cover everything else related to health issues which you otherwise wouldn’t be able to afford out of pocket.