How Can A Lack Of Medical Coverage Effect Your Life?

It is estimated that at least 46.6 million in the U.S. have no health insurance. Health insurance may seem like a necessary expense if you're perfectly healthy and not prone to accidents. However, there are valid reasons why a person needs insurance.

Protection from Excessive Expenses - Insurance in general can be thought of as meaning "just in case" as in protection "just in case" something happens. Health insurance ensures protection against full financial responsibility resulting from health care-related expenses.

Lack of access to medical care - While a person will be able to receive emergency care, regardless of their health status, those who have a condition that requires a prolonged hospital stay or need for specific tests and follow-up can not be able to offer all of the costs associated with this care.

Delay in treatment - people without health insurance are more likely to extend to go to a doctor or getting treatment. By the time a condition can not be ignored, the prognosis for recovery may not be good or the condition can be transformed into something serious. Those with health insurance tend to have more preventive care.

The Chronic - The Chronic or ongoing conditions such as diabetes may not be able to afford necessary medication and doctor visits. Consequently, people without health insurance with a chronic illness have a higher mortality rate than those with health insurance.

Medical Debt - When an unexpected illness occurs, medical costs can quickly mount. If these large medical bills remain unpaid collection efforts may include a lien on the property or legal action, which may add additional charges.

Lack of choice - people without health insurance can go to county or state hospitals for treatment. Often these facilities are overcrowded and do not always provide the best treatment. If a person has a condition that requires special treatment and care, such as cancer, the choice of treatment options are limited.

Excluded from some programs - Some colleges and universities as well as some international programs may require proof of health insurance before enrolling.

Higher Life Insurance Premiums - Those who have a life insurance without health insurance can expect to pay higher premiums, because they are considered a higher liability because they do not receive regular medical care and are more likely to delay treatment and only seek medical care for serious conditions.