Never let your health insurance lapse

So many people seem to think health insurance is disposable. They think if they are looking at a lapse of coverage that it is not important. They think that they are too healthy to worry about going without for a short time. or they think what would it hurt to go without for a month or two.

Nobody can predict when an unexpected accident or illness may ocur. That is why it is called “unexpected”. It is not something we can put on the calander or add to the budget. You are foolish if you think it is worth the risk to have a lapse in coverage. As an agent I have heard all the horrible aftemath of people who took the risk and lost.

One of these stories is about a young college grad named John. John had not yet found a career and was dropped off of his parents health insurance. He did not find temporary health insurance because he did not find it necessary since he had not been sick in a long time. Fifteen days later he found himself in the hospital with complications of the flu.

This was not something John had ever imagined in his mind. It was indeed an unexpected occurance. Once all was said and done he received multiple bills for all the expenses from the hospital stay. All the bills came to almost $10000. It took John about 6 years to repay that debt.

And hoe about the story of Carmen. She had been lost her job and health benefits. She did not find it necessary to replace the benfits until she had the option of group benefits again. Three weeks later Carmen was rushed by abulance to the hospital because she had slipped on ice and hit her head.

Carmen was rushed to the hospital because she had hit her head so hard she was having adverse reactions. They spent 2 days testing and watching for signs of bleeding. The next day the released her to go home. The bills she received in the mail where huge. More then she could pay, her credit was tarnished!

Carmen could have avoided all this stress and financial problems if she had only stretched a few dollars and purchased a short term health insurance plan. Both, Carmen and John could have avoided this. They learned the hard way that unexpected illness and accidents do occur.

Short term health insurance plans are available by most health insurance companies. They are very affordable. They allow you to purchase health insurance that covers most major medical from 30 days to a year.

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