Every day, around the world, people fall ill, get into an accident, or just accidentally hurt themselves. The average person will have been sick or will have suffered through a medical emergency at one point of his life – who hasn’t? Yes, it’s part of life to fall ill; however, it’s how you recover that counts. With that, health care plans can help you.
Health insurance can be your safety net whenever you fall ill, and if you get the right kind, you, along with your family, won’t have to worry about getting sick ever again.
Medicare has been around for quite some time now. According to the “Fundamentals of Health Insurance: Part A” authored by the Health Insurance Association of America, the predecessor of the modern medical insurance system came from the Franklin Health Assurance Company. This was a type of accident insurance, which offered coverage for any injury incurred in railroad and steamboat accidents. At that time, people were expected to pay for medical expenses and procedures using the money from their pockets. No money, no service if the physician was cruel. The first half of the 20th century gave rise to the modern system of healthcare as we know it today.
Currently, there are two types of health plan people can get. One is through hospitalization insurance funded by the government through institutions such as Medicare, Medicaid, and Tricare. The other is through private and cheap health insurance for individuals. Right now, most people in the United States receive their healthcare through private providers. To obtain public health insurance such as Medicare, an individual has to meet certain qualifying criteria. According to the U.S. Census Bureau, approximately 27.8% of the total population is covered by these government programs.
The United States spends twice as much as any other country on healthcare per capita, and yet falls behind on other wealthy countries when it comes to infant mortality and life expectancy, as reported by the World Health Organization. Healthcare and health protection can be quite expensive. If you’re looking for a way to alleviate your fears and feel protected when it comes to your health, one way of achieving this is through obtaining private but cheap sickness insurance for individuals. There are a number of providers of private wellness programs out there that can cover you but won’t cost you an arm and a leg.
These offer full coverage plans to government-provided health care packages that fit your needs and your budget. Private health maintenance providers can offer packages such as affordable individual health insurance, family health insurance, company health insurance, and the like. For those on a tight budget, there are “bare bones” cheap health allowance for individuals that can be bought at a relatively cheap price. These plans are more designed for young and healthy individuals who need some sort of health insurance, which is better than nothing at all.