A lot of people feel that health care Insurance is a waste of money.  They may believe that their medical bills will continually be low or non-existent.  They might believe that their car Cover can pay for their medical expenses or that they can get treatment even if they don’t own Assurance.

Your health history is a good predictor of whether or not you might have health problems in the near future.  When you’ve always been healthy, you’ve got a better chance of not needing health care in the next year when compared to someone who has a history of being sick all the time.

However, some people who have diabetes, high blood pressure or even heart attacks had unblemished medical histories for decades.  Then they got ill and maybe stayed ill or even died.

Your good healthcare history isn’t a very good predictor of future injury.  One can fall over a child’s toy and fall down a flight of stairs or have an accident when exercising.  

Can Your Car Cover Policy Pay Your medical care costs?

Your auto Assurance plan offers limited Assurance for your medical bills.  Your auto Insurance policy may pay for the healthcare expenses of those you may injure in a car crash.  However, since you can’t hold yourself legally liable for your own health expenses, this Coverage is incomplete when it comes to your health care bills.  Even insurance policies with “no fault” Cover typically limit this Insurance to a few thousand dollars per car accident.

Can Your Job’s Cover Cover You?

if you are hurt on the job, there is a good chance that your employer’s workmen’s compensation or liability Insurance will pay your health care costs.  But it is the rare disease or sicknesses that will be covered by an job’s liability policy.

Of course when your employer provides healthcare Insurance for you, many more situations are likely to be covered.

Will A Hospital Treat You Even when You own No Insurance?

In many situations you can get treatment from a hospital whether or not you own health care Assurance.  There are big drawbacks.  One is the limitation on the medical care and another is the potential destruction of your credit.

Most hospitals will treat uninsured patients who walk through their doors in the aftermath of heart attack.  Most hospitals will treat those who are in need of immediate health care in emergency situations.  However, once the crisis is over, they are likely to stop care given unless you can pay for it.

If a hospital does treat you when you don’t have health care Coverage the care given isn’t likely to be free.  They will send you a billand when you can’t pay the bill, the event and its cost may hang over your head like a dark cloud for years and years.  

Can The Government Pay Your healthcare bills?

In some cases Social Security or Medicaid will cover your health expenses.  However few people qualify.  Only particular conditions qualify for payments from Social Security.  Medicaid only covers those who own very low assets and income.

An auto Insurance plan or some other liability policy or a government program may pay for your health care costs in some scenarios.  However, only a comprehensive health care insurance policy will give your family the peace of mind of knowing that a disease or crash won’t destroy your credit and financial future.