Category Archives: Medical Insurance

Useful Tips For Choosing A Health Insurance Policy

Health insurance can be a short and long term saving investment. But, prior to paying for a policy, be certain that you are making an informed decision based on good questions and from doing your homework. This article contains the basics of what you need to know to make good decisions about health insurance.

Health Insurance

If you are a recent college graduate and you are looking into health insurance, there are a couple of options for you to consider. Many employers will provide health insurance for their employees that you can use. Under current health care laws, those under 26 years of age are allowed to remain on the insurance policy of their parents, though this could change. Be sure to check out individual policies, too.

Usually, individual policies cost more than group coverage that employers provide, so beware. It is possible you might have to be satisfied with a higher deductible and/or less coverage. Make sure you consider all your options before purchasing insurance.

Examine your prescription drug coverage on a yearly basis. Insurance companies often change their policies and alter the prescriptions that they cover. It is important to be aware of this when you re-enroll. If a prescription medication that you need to take routinely is not covered by your insurance policy, it’s time for you to find a new health insurance company.

Your health insurance can help you reduce your taxes. One commonly-overlooked tax benefit is that your premiums are actually tax deductible. Any money you pay for your deductible, co-pay, or even prescriptions are claimable as well. There are differences in state and federal taxes, so it’s best to look at tax guidelines to get a clear understanding.

Be prepared for any loopholes in your health insurance plan. Peruse every word of your policy, so that you won’t have any unpleasant surprises. Be prepared to spend out of your pocket for instances that are not covered, like certain procedures or medications.

No matter the coverage you have, if you choose generic drugs all the time you will save money on health insurance. It is very uncommon for a generic medication to be unavailable, and research indicates no distinction whatsoever between generics and their brand name counterparts, aside from the name they are given.

It is important to check with your medical care practitioners before purchasing a new insurance policy, to be certain your potential plan will be accepted for their services. You can also easily find a listing of the hospitals and doctors which accept your insurance plan by visiting the insurance company’s website.

Asking the right questions is key to finding the correct coverage for you, and the tips in this article should help by leading you in the right direction. The more research you do, the easier it will be to choose a company who meets your needs. Use the strategies from this guide in order to help you decide on the right choices.

Health Insurance For You And Your Family, Tips To Find The Best Options.

Most people would agree that it would be difficult not to have health insurance these days. Finding the right coverage for you and a policy that is affordable may seem impossible. While you may have to make some sacrifices, there are ways to get decent health care that fits your budget.

Figure out the costs before getting your own health insurance. Deductibles, premiums and co-pays can be hard for someone to understand so make sure you you add up the costs of everything before you purchase the insurance.

Vision Insurance

Vision insurance can be very helpful if you or anyone in your family has vision problems. Some of your visits and eye care purchases, such as glasses or contacts, will be covered. Vision insurance isn’t mandatory and therefore may not be worth the cost for some individuals.

Most health insurance plans have loopholes, and yours is probably not an exception. Check over your policy with great care, so that you know what it will, and will not pay for. Be aware of what items you are required to pay for out of pocket and be prepared to do so.

When talking to the health insurance company, never give them more information then they need. Give responses only to specific queries they have made. Every communication that you have with the company is notated and assessed when trying to figure out your premiums or coverage. Sometimes the extra information you give could be used against you to deny you coverage, or at minimum an increase to your premiums.

No matter the coverage you have, if you choose generic drugs all the time you will save money on health insurance. There are a few instances that you won’t be able to get generics, but using them is no different than using the brand name, as studies have shown.

Make the decision on a health insurance plan that is best for you. HMOs and PPOs are common choices, but don’t count out POS plans just because of their acronym. Various options are available from each company that you should consider prior to making your choice. Be sure you’ve got the option to keep seeing your current doctor.

Read over your health insurance coverage to find out which prescriptions are covered by it. This list can change each year, so a prescription that is covered one year may not be the next. Be sure to check the list every time you re-enroll.

It is important to check with your medical care practitioners before purchasing a new insurance policy, to be certain your potential plan will be accepted for their services. This information should be readily available to you from the health insurance company.

If your spouse is on your insurance and they have access to insurance with their employer, you will probably be imposed a surcharge. It could be more cost effective to maintain separate coverage through respective employers. Therefore, you should ensure you calculate both of these scenarios.

The most beneficial kind of insurance policy you can buy to improve your quality of life is health insurance. It would be easy to be overwhelmed by all the different types of coverage and many different available plans. Use what you’ve learned here to take control of your policies and make them work for you.

Useful Tips For Choosing A Health Insurance Policy

Health insurance could be a short term and long term live saving investment. Do your research and compare the options before purchasing a policy. This article contains the basics of what you need to know to make good decisions about health insurance.

When buying a health insurance policy, know exactly what events and conditions the policy covers. If you have health insurance that protects you in these situations, it can make big differences in managing downtime.

If you’re thinking about obtaining health insurance, you should ensure you determine all the costs of doing so. Specific insurance language such as premium and deductible amounts may be difficult for some people to comprehend, so be certain you are knowledgeable of all related costs and fees prior to purchasing insurance.

Vision Insurance

Vision insurance is a good thing to have if you already have vision problems, or if there are vision problems in your family. Your coverage should include at least a percentage of the cost of your eye exams as well as a portion of the price of the corrective devices you buy. You are not required to carry vision insurance, so if no one in your family suffers from an eye disorder, you can save money by foregoing it.

Expect that there will be loopholes in any health insurance policy. Read your policy thoroughly, so you will not be taken aback when you are told that your insurance does not cover something. Make sure you are ready to pay for medical expenses that are not covered, such as certain medications that can come out of pocket.

Investigate your prescription coverage by reading your health insurance policy. This can change annually, so checking regularly will ensure that you do not suddenly find out that your prescriptions are no longer covered.

Check with the doctors and hospitals that you use and make sure you will be able to keep going to them under the insurance policy you select. If you check the insurance provider’s website, you can easily discover which hospitals and physicians they will cover.

If pregnancy is in your plans for the future, make sure your insurance policy will cover all of your pregnancy-related expenses. Certain insurance plans do not cover every aspect of pregnancy and labor.

Some companies charge extra if your spouse is covered under your health insurance when insurance is available at his or her place of employment. Take a look at the details and determine whether you could actually benefit financially by keeping your policies separated.

Health Insurance

Catastrophic health insurance is an excellent choice for anyone who cannot pay for a comprehensive insurance policy but wants at least minimal coverage in case something unexpected happens, such as an injury, accident or life threatening illness. Catastrophic coverage is also a helpful addition to any existing health insurance because it will cover extreme circumstances that other policies might not.

Double check what your catastrophic insurance option covers. You have to make sure that the insurance will cover catastrophic events that may affect you. When you’ve decided, obtain a type of Health Savings Account, and then start depositing to pay for the deductible if something bad happens.

Existing Condition

Before agreeing to sign with any health insurance provider, establish their policy on any pre-existing conditions you may have. There are companies who will not insure you if there is a pre-existing condition involved and some charge outrageous fees for insuring someone with a pre-existing condition. You can get the best coverage at the lowest rate if you take the time to do some research.

Prepare an itemized list of medical expenses if you are preparing to switch or renew your health insurance. Become aware of how much you can pay out of pocket for deductibles and coverage, whether just for yourself or for your dependents.

Health Insurance

Getting health insurance through a group or organization is cheaper. What are the options for the self-employed? Consider joining associations for self-employed workers, like the Freelancers Union. Economical health insurance is only one of the many benefits that these types of groups provide to the self-employed.

It is crucial to ask plenty of questions about any health insurance plan that you are thinking of buying. The correct research will ensure that you select the right insurer and package. By implementing the advice from the text above, you can begin to make the best choices for your health insurance coverage.

Essential Health Insurance Tips To Save You Time And Money

Health insurance is a must-have in the event you have a serious medical emergency. You never know when disaster will strike in the form of illness, accident or injury. If you aren’t prepared with a good health insurance plan, you could stand to lose everything. If you have a good health plan in place, you can rest easy that your expenses will be taken care of. You have a couple of choices when it comes to purchasing health insurance. You can go with an individual plan, or if your employer offers group insurance, you can save money by choosing that plan.

When thinking about a health insurance policy from your job, think about your health and your family’s health. This could help you get a cheaper premium on your insurance if you don’t have anticipated health problems. While this is a good way to save money initially, it could prove risky if there are problems down the road.

When you are considering getting personal health insurance make sure that you sit down and figure all of the costs. Specific insurance language such as premium and deductible amounts may be difficult for some people to comprehend, so be certain you are knowledgeable of all related costs and fees prior to purchasing insurance.

Vision Insurance

If you, or any of your family members, have vision issues, then it is a good idea to get optical insurance. Vision insurance can cover a majority of your checkup costs as well as the costs of any frames, lenses or contacts you may need. Vision insurance is not mandatory, and some people spend less money not having this type of coverage.

Your prescription coverage should be checked annually. Health insurance providers frequently make changes to the medications they cover, so every time you sign back up, it is advisable that you check the fine print of your policy terms. If a regular medication has been dropped and a substitute isn’t acceptable, you may need to find a policy with a different company.

Did you know that your health insurance can help you pay less on your taxes? A lot of people are unfamiliar that their health insurance premium is tax deductible. Prescription medications, non-covered office visits and deductibles may also be deducted. Deductions differ for taxes, depending on the state you live in, so double-check the guidelines.

All health policies have some loopholes hidden within them. Read every page of the policy, so you won’t be surprised when the company tells you that something isn’t covered. Be prepared to pay for some things that will not be covered, such as some medications or procedures.

Insurance Plan

Review your insurance plan annually to see which prescriptions are covered. Reread the list of which drugs are covered every time you re-enroll in your health insurance plan. It’s far better to know in advance than to be embarrassed at the drug store by your sudden inability to pay for your prescriptions.

If you are considering having a baby, try to find an insurance plan for healthcare that will provide you with the money you need throughout your pregnancy. If you don’t focus on this in particular when shopping for a plan, your insurance might not cover every part of pregnancy and labor.

Group plans are ultimately cheaper over time, and this is the reason why insurance rates are cheaper with an employer than for those who provide their own insurance. The best way to go about it is to join a trade organization that provides membership discounts in insurance premiums.

If you’re planning on switching your insurance policies around, your first step should be gathering up all the necessary data from your current policy. Make a note of annual payments, any deductibles you have, and what is covered after you have reached your deductible. Keep this information with you as well as your current insurance plan when searching for a different policy.

Health Insurance

Comparing group and individual insurance will show that the former is less costly but may have less choices. In either case, the important thing to keep in mind is that you should have at least some form of health insurance. In today’s environment, if you choose not to purchase health insurance, you’re asking for trouble. You could develop a serious illness tomorrow, which would destroy any savings you have within months. Take the initiative and start looking for the right health insurance right away.

Health Insurance And You – Getting The Best Fit!

A good health insurance plan is a wise purchase for any individual, regardless of their age. Everyone may benefit from a good health insurance policy, no matter if they are young or old. It can be confusing to pick the correct health insurance plan for you. The tips in this article will help you find the health insurance that is best for you.

It is crucial that you know what the coverage will actually encompass when you are making a decision about health insurance. Health coverage that addresses these types of things can make sure that you are covered for time off should it become necessary.

When you are thinking about getting an individual health insurance policy, take time to work out all applicable costs. The specifics on insurance and their co-pays, premiums, and deductibles can be very difficult to understand fully, make sure you do your homework!

Vision Insurance

Vision insurance is wise if you’ve had a history of vision issues in the past, or it’s in your family history. Vision insurance covers a part of your eye exams and will also pay for at least part of your contact lense or eyeglass purchases. Of course, nobody is forced to have vision insurance, and you can save a few bucks a month by not having it.

During each enrollment period, check for changes in your prescription coverage, co-payments and annual deductibles. Since insurance companies are prone to altering what drugs they will cover, read all the fine print each time you re-enroll. You will want to consider switching providers if your current one yanks your medications off the approved list.

Medical insurance can cut down on your taxes. Many people don’t realize that their health insurance premiums are tax deductible. Prescription medications, non-covered office visits and deductibles may also be deducted. Check your state tax guidelines to ensure you’re adhering to both local and federal rules.

Expect that there will be loopholes in any health insurance policy. Go over all of your policy’s coverage details thoroughly, so that you know ahead of time what the insurer covers and what you need to cover out-of-pocket. There will be things you have to pay for yourself, and knowing what these are ahead of time will save you the headaches.

AS you’ve read, health insurance benefits everyone. However, it can be overwhelming to try to figure out what you need to know before purchasing an insurance policy. The best way to gain this knowledge is to study the subject. The tips you just read can help you find an affordable plan that meets your needs.

Tips To Help You Chose The Best Health Insurance Plan

Many individuals wait to get health insurance, and often, it is too late. There are various reasons for this. For some people, it is simply because it is too expensive. For others, it is out of neglect, or a lack of understanding. This article is packed with tips and tricks that will help you to understand various aspects of health insurance coverage.

There are plenty of options for you if you have just finished college and you are looking for health insurance. If you are employed, talk to your boss about employee-based health insurance. You can get on your parents’ insurance if you’re under 26, in which case, you can also use that time to research plans.

Remember to get vision insurance to help you deal with existing and potential eye problems. The insurance will likely cover some of the cost of doctor visits as well as a portion of costs related to contact lenses and glasses. Vision insurance is not something that you have to have, so it may cost you more to get the coverage.

Check your prescription coverage yearly. Insurance companies will revise their rules regarding prescriptions on a yearly basis, so take the time to read the new rules before you re-enroll. If you suddenly find that your health insurance plan is not covering your ongoing medications any longer, then start your search for a new plan.

Don’t give out unsolicited information when an health insurance provider calls you during the application process. Just give them answers to the specific questions they ask you. Any extraneous information that you provide can be used to increase your premiums or deny coverage.

Health Insurance

Weigh your options when it comes to choosing a health insurance plan type. Each health insurance group has benefits and difficulties. Each can be significantly different than the other, so really consider each before deciding. If you have an established relationship with a trusted physician, you should verify that he or she is considered a preferred participant on your plan’s network.

Make it a point to find out which prescriptions are covered by your health insurance. Since this prescription list changes often, you should be sure to check it when you enroll again.

Talk to all your health care providers before changing insurance companies. Some doctors may not accept your new insurance. If you check the insurance provider’s website, you can easily discover which hospitals and physicians they will cover.

If you plan to have a baby soon, you should find a healthcare plan that will cover all expenses relating to your pregnancy, labor and delivery. Certain insurance plans do not cover every aspect of pregnancy and labor.

With more knowledge about health insurance, you will find it becomes easier to make the right decision concerning insurance options for yourself and your family. You should not neglect your insurance needs. Getting good medical coverage is among the most beneficial investments you can spend money on.

How To Get Health Insurance When You Lose Your Job

Health insurance is too valuable to do without. Finding the right plan is the biggest challenge you will have to face. But, using the advice from this article, along with other resources, will assist you in getting the perfect plan.

When you are getting a health care plan, consider the health of your family and yourself. If your health is good, you may choose to purchase insurance that has a lower premium. It is less expensive in the beginning, but if you do get sick then it can become very expensive.

If you have a family history of needing vision correction, or if you have already been prescribed glasses or contacts, it’s important to include vision coverage in your health insurance plan. Coverage could include your physical exams as well as portions of the cost for spectacles and contacts. You are not required to carry vision insurance, and it may be cheaper in the long run to not have this coverage.

Prescription Drug

Examine your prescription drug coverage on a yearly basis. It is common for insurance providers to change the rules from year to year with little warning, so refrain from enrolling for another year until you read the newest policy. Pay careful attention, in particular, to changes in your prescription drug program. If medication that you need to take every day is suddenly dropped from your coverage, it might be prudent to search for another insurance company.

Pay less on your taxes with health insurance! It’s common for people not to know that health insurance premiums are tax deductible. You can also deduct the money you spend paying for your deductible, prescriptions or any visits not covered by your insurance. There are differences in state and federal taxes, so it’s best to look at tax guidelines to get a clear understanding.

Any coverage has exceptions loopholes, including your own health insurance plan. Carefully read your policy, so that you will not feel surprised if your insurance denies a claim. Be prepared in advance to pay out of pocket for things that may not be covered, like certain medications or procedures.

It is important to check with your medical care practitioners before purchasing a new insurance policy, to be certain your potential plan will be accepted for their services. Your insurance company should have a website devoted to important benefit information.

If you are considering having a baby, try to find an insurance plan for healthcare that will provide you with the money you need throughout your pregnancy. You should be aware that not all health insurance plans will take care of all costs that are associated with having a baby.

Health Insurance

The most beneficial kind of insurance policy you can buy to improve your quality of life is health insurance. Due to all the plans out there, it is common for people to feel pressure when trying to find the perfect health insurance plan. Use the advice in this guide to learn how you can pick the right insurance for you.

Health Insurance Help Straight From The Experts

People need health insurance, no matter what age they are. Everyone, from young to old, needs proper health insurance. Determining the type of health insurance that’s right for you can be overwhelming, and there is much you need to know. This article can help you to strike the best balance between insurance cost and value.

Figure out the costs before getting your own health insurance. Do your calculations on how much you can pay for premiums, deductibles, and co-pays before you choose which insurance policy to buy.

To save cash on health insurance, ask if you company has wellness programs for their employees. A number of employers offer incentives to those employees who have their lifestyle and health assessed. You may be able to join a fitness program afterwards, which will help the company to save money on their insurance coverage, and that in turn would lower your own premium.

When you have to purchase your own plan, you will have to pay more than if you were enrolled in a group health insurance plan, so plan for that price. You may have to settle for less coverage, a higher deductible, or both. Your best bet here is to do a little bit of comparison shopping in order to find the best package.

Vision Insurance

If you need glasses, or if someone in you family does, vision insurance should benefit you. Vision insurance will help you afford your annual eye exam and your eyeglasses or contact lenses. Vision insurance isn’t mandatory and therefore may not be worth the cost for some individuals.

Do a quick check annually to verify what prescription medications your policy will continue to cover. Health insurance companies like to change what medications they are willing to cover, so make sure you read the fine print every time you re-enroll. When your daily meds are dropped by your health insurer, then start the hunt for a new plan right away.

Choose catastrophic insurance coverage over comprehensive to lower your premiums. Prescriptions and doctor’s visits are covered by a comprehensive plan, while hospital and emergency care is covered by catastrophic health insurance.

Each state regulates private insurance on their own, which means you are not allowed to purchase from another state. This would violate interstate commerce laws. What this means is that if you have to go to a hospital out of your state, there’s a possibility that you might not be covered. Insurance companies set their own rules, so be sure to find out their policies ahead of time.

If you plan to have a baby soon, you should find a healthcare plan that will cover all expenses relating to your pregnancy, labor and delivery. This is extremely important because there are plans that will not cover certain pregnancy and labor needs.

If your spouse has a health insurance possibility through an employer, you may have to pay a surcharge to add your wife or husband on your plan. It may be cheaper for you to remove them from your personal insurance and let them use their employer’s insurance plan instead. Tabulate the cost with both scenarios to see which financially benefits you.

If you are relatively healthy and don’t need to visit the doctor often, health savings accounts (HSAs) might work for you. You could put any money that you would have been using to pay deductibles and premiums into your HSA to use for medical expenses.

Health Insurance

As you have read in the article above, having health insurance is helpful to everyone. It is a little difficult to figure out every nuance of health insurance, though. The best way to find out what you need to know is to do your own research on the topic. Use the advice in this article to help you find the perfect health insurance for your needs.

Tips About Health Insurance

Finding the right health insurance for you and your family is challenging and time-consuming. However, when there is a medical crisis, the little insurance card can save your life. Health insurance is of benefit to you, and this article will show you how.

Health Insurance

Health insurance is great for saving money on taxes! Lots of people don’t understand the premiums that you pay on your health insurance can be deducted off your taxes. Health insurance premiums, prescription costs, deductibles and other expenses not covered by insurance may be deductible on your tax return. Federal taxes are not the same as state taxes, so you should look into the difference.

You are required to purchase private insurance within the state where you live. Depending on your rules, a hospital in another state could be outside of your coverage area. Insurance companies are very particular about this, so make sure that you understand your policy.

Read your policy to ensure you know exactly which prescriptions are covered and which are not. Make sure you stay on top of things, and ensure that the list carries your prescriptions each year before re-enrolling.

Whenever you are looking into catastrophic health insurance as a coverage option, you must be sure to do your homework. Not all policies will cover the same catastrophic circumstances, so make sure that you have the policy that covers the ares that you are most concerned about. Once you have decided, get a Health Savings Account and start making deposits to cover your deductible if the worst should happen.

It’s a good idea for every pet owner to have insurance on their pet, even if you pet lives indoors. There is always a chance of injury and accidental poisoning, and if your pet goes outside, all kinds of things may occur. Even when they live indoors, your pet might injure themselves requiring an expensive visit to the vet.

Take some time to read the details contained in your health policy booklet in order to be prepared when needs arise. You should get a booklet from your provider on what is in your policy, this way you can understand what can benefit you the most. While the process may be boring, it will pay dividends down the road.

Insurance can be confusing especially when there is a pre-existing health issue, and it’s best to do some research prior to entering into a policy with any company. Your pre-existing condition could cause some providers to deny you coverage and others to charge you exorbitant prices. Doing research is a great way to get the best rate possible.

Health Insurance

When it comes to health insurance, there are many options you can choose from. Research as many options as possible before signing up for health insurance. Before purchasing insurance, you really need to be aware of everything in the policy.

If you change insurance types, be certain to understand everything about your present coverage. Some of the things you need to know include: deductible rates, types of medical costs covered, annual payment rates, etc. You should have these records and your current plan to compare to when searching for a different policy.

Keep track of all the expenses that go into your medical coverage, and even outside of it, when you are getting ready to switch health insurance policies. Gauge the amount you can afford to pay in deductibles and coverage for yourself and your family.

Try asking a doctor about doubling a dose when getting your prescriptions from them. Often, buying pills in larger doses does not significantly increase the cost so you may be able to save money by cutting the pills in half. A pill splitter will pay for itself in not time.

Health Insurance

What kind of health insurance do you have? Health insurance is a necessity for being able to financially handle medical issues as they arise. You can use the advice that this article has provided to you to ensure that you and everyone you love has proper coverage.

Health Insurance Tips; What You Have To Know

Health insurance is a must-have in the event you have a serious medical emergency. You never know when disaster will strike in the form of illness, accident or injury. If you aren’t prepared with a good health insurance plan, you could stand to lose everything. If you have a good health plan in place, you can rest easy that your expenses will be taken care of. You have a couple of choices when it comes to purchasing health insurance. You can go with an individual plan, or if your employer offers group insurance, you can save money by choosing that plan.

Before choosing a policy, be sure that you know exactly what coverage you are buying. Having health insurance that covers incidents such as these can make the difference in affording the downtime you may incur.

When you are getting a health care plan, consider the health of your family and yourself. If you do not have any health issues anticipated in the near future, this may enable you to pay a cheaper premium for your insurance. While it is cheaper off the bat, this may be a risk if problems develop.

When it is time for you to update your policy, check your current plan to verify that you still need all the services you are paying for, and that you have enough coverage. Your current coverage may no longer be adequate if your health conditions have changed or if you need coverage for a new family member. Open enrollment offers you the ability to change vision and dental coverage, too, if you have that option.

This is why understanding how insurance works is so important. Individual policies are usually more expensive than group policies. You may need to sacrifice some aspects of your policy to help keep the cost affordable, such as a higher deductible or less coverage. Look around for the best rates and coverage.

Be prepared for any loopholes in your health insurance plan. Carefully read your policy, so that you will not feel surprised if your insurance denies a claim. You need to be ready to pay for things on your own that are not covered. Some medications and procedures are not always fully covered by insurance.

Read your policy to ensure you know exactly which prescriptions are covered and which are not. This changes every year, so you should ensure you look over the list yourself when you re-enroll, so that you won’t be shocked when you refill your prescription.

Some employers do not let your spouse ride on your insurance without a spousal surcharge if your spouse’s employer also offers insurance. You need to figure up the costs for either scenario here. You may find that it’s cheaper just to have separate insurance policies through your own employers.

Catastrophic insurance is great for those who cannot get regular insurance, but need coverage for sudden injuries, illnesses or accidents. It can also be added as an extra to your health coverage.

Whenever you look at health insurance for catastrophic events, do your due diligence. Make sure it covers the events that are of concern. Once you have decided, get a Health Savings Account and start making deposits to cover your deductible if the worst should happen.

It’s a good idea for every pet owner to have insurance on their pet, even if you pet lives indoors. Dangers involving poisoning and injury abound, and your pet always runs the risk of encountering them. Your pet can still break a tooth or bone indoors, and that may need pricey vet care.

Health Insurance

When you are comparing insurance plans, you may see that you will pay less with a group plan, but if you have an individual plan you will have more choices. Even if you cannot afford a large coverage, you should still get what you can afford. To be without health insurance today is to court disaster. You never know when something could happen that could wipe you out financially. Take the smart route, and look into what health insurance options are available to you.