Heath care costs are the main reasons people are worried when they get sick. And that should not be the case. People who get their health coverage through a company they are an employe of, are quite safe, but there are some health issues that are not covered by this type of coverage, and that can be a big problem. So here are the main reasons you should think about getting yourself a personal health insurance.
The insurance you get from your company does not suit you
Group health cover is something you will get when you are an employee, but that coverage can be so complicated and basic that can only create more problems than it can solve. If you have some expensive costs regarding your health care this is usually not covered by your group health coverage. This type of coverage is often not extended to your family members wich leaves them uncovered (your parents, partner, children). It is often the case that the person needs to pay quite extra to get his/her family members covered as well.
If your job transitions are quite often
We live in a time where having one job for one company for a whole life is quite impossible. And the problem is that people get sick and need medical attention when they are out of work, too. If you had group health coverage through your company, and now you are searching for another job, the fact is that you have no health care insurance through that period. Being unemployed can last from month to entire year and any medical attention you may need during that period will leave you dry if you don’t have any medical insurance. That is why it is a good option to have a personal medical insurance that covers you and your family members even when you’re on your next job hunt.
Saving your money
Realistically, any health care cost is barely affordable, but your health insurance will always be affordable to you. Choose a health plan that will have your back in case of emergencies, flu, stress-induced diseases, or when there is immunization of population. Health care costs are rapidly getting higher each year.
If you have a personal health insurance, that will help you save taxes because personal, family and senior premiums can be filed for tax exemptions. Depending on your coverage plan and level you can also have a health account which can pay for your expenses tax-free. Choose your personal health plan carefully in order to suit your personal needs and the health needs of your family. There are a lot of options and honestly, every one of them is better than basic company coverage.