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Health Insurance Comes in Different Packages

Jun 6, 2008
Having more than one health insurance is not a bad idea provided that you have the capacity to pay for them all. There will be no problem if a person can pay for his/her policies on time; and if he/she will not tamper any documents needed in processing his/her health insurance policies. A person has the freedom to choose the company, policy, and number of policies he/she can buy. There might be special offers for those who have more money but everyone is still welcome to enter the doors of the health insurance companies. Health insurance companies exist not just for revenue but for genuine customer care service as well.

According to a study, about 1 million Americans do not have insurance. A lot of people die too because of this lack of insurance. Now, Millman, Inc., a pioneer consulting firm revealed in their studies that an average American family with four members will usually spend a total of $15,600 per annum for medical expenses alone. If this is the real amount needed for a family of four to be healthy, then a big chunk of their money will be allocated the wrong way if they don't have insurance. This amount covers not only the fee of the doctor but also that of the drugs needed for further treatment.

The 2008 Presidential election in the United States brings better entertainment than the newly released movies in the movie houses near your home. They have been pounding on each other, trying to outdo one another.

But the latest among the battle of the parties is concerned about the issue of health insurance. The democrats still prefer using the federal government to provide the people options of whether they prefer a private or public health insurance. Also, people who belong to the lower income bracket can avail of subsidized plans. McCain on the other hand would like to have a universal coverage for all.

The main purpose of nursing homes is to care for people who cannot take care of themselves. It may be short-term condition, while recovering from an illness or injury, or long-term one, due to either physical or mental incapacitation that makes it impossible for you to look after yourself. They offer 24 hour health care which may be:

Skilled nursing care - care given for medical conditions in which the patient is recuperating from, needing qualified personnel to do the job;

Intermediate care - providing therapy or training for the rehabilitation of the patient

Custodial care - assisting the patient in his personal requirements: bathing, eating, dressing, usually performed by caregivers.

A good health insurance policy includes a number of coverage: hospital expense insurance will pay the costs of your room and minor services if you're hospitalized; surgical expense insurance is for professional fees of surgeons and surgical procedures; physicians' expense insurance covers the professional fees of your attending doctors when hospitalized or when you consult them at their clinic. Large insurance companies provide a wide range of coverage with maximum benefits designed to cover for grave illness or major injuries. Additional benefits to be considered when deciding to buy a health plan are: prescription drugs, mental health benefits, maternity, eye and dental care.
About the Author
Jon Caldwell is a professional content manager. Much of his articles can be found at http://healthinsurancedailydigest.com
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