Exposure is leaving people medically bankrupt. American's are going from the best health insurance money can buy to losing their health insurance and everything that means something to them. How can this happen in this great country?
Like politicians, every health insurance carrier is not the same. Whether the company, politician, is big or small, it does not reflect the outcome, or coverage. In fact it can be just the opposite. At the end of the day we wonder which side they are on. We pay our premiums, or vote, in hopes things will pan out for the good of the people. Sometimes we end up empty handed.
Health insurance carriers purposely put holes in the policies, just like politicians. The unfortunate part, the bigger the name does NOT mean less holes. Some plans have holes as big as the Grand Canyon. Some will leave you out to dry on smaller claims. It is when they leave you hanging out to dry long enough is when personal financial problems start.
The biggest claims are not doctor visits or even some major diagnostic tests. Yes, they can be expensive, but they are not the biggest claims people have. The smaller bills can add up, however, most Americans spend more money on dinning and entertainment than occasional doctor visits or testing would cost.
Some of the holes go unnoticed until something serious occurs. Most policy holders never read their own policy. In fact, many policy holders will go around bragging that they have a policy with one of the biggest names in health insurance and the carrier paid all their doctor visits. They end up solely depending on the name and not the policy coverage. Doctor visits is not the problem American's are facing today. In fact, far from it. When you hit one of these 'Grand Canyons', you are going to wish you read the policy before any medical condition occurred and provided protection for it.
If you had a crystal ball and knew when, or if, anything would occur, you would wait until you needed to purchase a health insurance policy. Unfortunately, we do not have a crystal ball to predict our medical future. We have to have the right amount coverage for the time we will need it the most. It would only be wise to think about this before the event, or condition, occurs and not after.
You would think that most voters in America will do their research before standing up at the polls. Most of us know that many of them do not. The same goes true with health insurance. Insurance brokers do not have enough time in the day to read the insurance policy with you. What a good insurance broker will do is point out some of the possible loopholes and provide solutions to prevent their clients from a huge financial loss.
There are insurance products available to help ease the pain or eliminate the possibility of a financial loss. Unlike voting where the majority wins, you can protect yourself with the right information. There is no sense in sitting back and seeing how the majority would rule. Call your broker today and ask them about protecting the holes in your policy. Tell them if they don't do something for you another broker will.
Butch Zemar
www.EliteBenefits.net