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    Fill out the correct paperwork—the first time!
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    Find out what you’ll pay when your policy starts.
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    Understand the benefits of health insurance.

Health Insurance Information

What is the point of health insurance? Why do you need it? You pay a lot of money each month and never seem to use it. Well dear reader, these are excellent questions. Even if you are in great health now, you—or a family member—may not be in the future. Accidents happen, sicknesses occur, and you can’t plan for them. The cost of routine checkups also adds up quickly. Health insurance gives you an affordable way to get the care you need.

Also, uninsured people receive less medical care than those who are insured, and often get less timely care as well. Uninsured people generally get less medical checkups and screenings, and so are more likely to become more seriously ill than those who are regularly screened. This is all beside the financial burdens that come with being uninsured.

Most people do not think of health insurance until they need it, and by then it is too late. Be prepared for the lemons life may throw at you, and invest in insurance.

person dying hospital

Types of Insurance

There are many types of insurance, each with their own benefits that you will need to consider when choosing a policy for your life and needs. Be prepared to change your policies as life goes on, as you will need different coverage for different situations. Those just retiring will need different coverage than a family just starting out. Be sure to look at life and car insurance, insurance against natural disasters, health and medical insurance, travel insurance, and renters insurance.

business man

Finding Insurance

Know how much money you can afford to pay each month for premiums, deductibles, and copayment. Try to imagine the worst-case scenario, because that is what your insurance if for. Then identify the must-haves. You cannot anticipate every illness or injury, but if you are planning on starting a family, maternity coverage is a must-have. If your family has a history or diabetes or heart disease, make sure your coverage includes care for those illnesses, just in case.

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