Each and every individual deserves to have some sort of protection from the high expenses associated with health issues. It is hard to ignore how vital staying healthy is to our overall happiness. It is also hard to ignore how crucial maintaining our health is to allowing us to do our part to contribute to our families.

Because one never can know what might happen to him or her, it is very crucial to have health insurance to cover regular checkups. This is vital because prevention can go a long way towards helping us avoid emergency situations. A good health insurance plan should also be able to take care of the cost of the medical treatment you'd need after a heart attack or major medical event.

All individuals become sick and sometimes sickness can be very costly. Some people will fall victim to a major trauma. The expenses for the health expenses incurred due to these occurrences carry the possibility of depleting one's life savings, and in some cases, pressing a person to file for bankruptcy. Health care expenses are on the rise, and these expenses show no signs of reversing the current trend. This is why it is so crucial to carry medical insurance.

Some may say that the cost of medical insurance itself is going through the roof and that is the reason they choose not to purchase it. However, at the first sign of health troubles, he or she will find that not buying medical insurance in the end is much more expensive. A health care bill for an outpatient procedure can be ten thousand dollars or more. Not having health insurance can be much more costly than having so called expensive coverage.

An alternative that can help keep your monthly premium down is a high deductible medical insurance plan. These plans can pay for big expenses. These plans don't pay for most small expenses. The benefit is that the costs are low.

Medical insurance was not created to help one pay for minor things, such as routine doctor visits. Health insurance real purpose is to pay for surgeries and medical expenses incurred in the emergency room and care for long-term illnesses.

The two main types of medical insurance are Indemnity and managed care. As time goes on more and more indemnity plans are being replaced by managed care. However, both types are still around and can be purchased in most areas.

An indemnity plan is one in which the insured has an increased flexibility of providers from which he or she can choose. As long as the treatment needed is covered in his or her policy, then the coverage typically pays all but 20% of the bill after a deductible. Before health care reform one of the main drawbacks of this type of coverage was that it might only cover illnesses and accidents; there may not have been coverage for preventive care. The health care reform mandates that went into effect in September of 2010 changed this for most policies purchased after that date.

Managed Care insurance is much different than an Indemnity policy. On a Managed Care policy, the individual is very limited in the choice of doctors that he or she can see. There may only be coverage if the plan authorizes the treatment. If the certain medical care that one needs is not covered, he or she will have to pay out-of-pocket for those services.

No one should go without health insurance. A can lose their life because they cannot afford health care. Others may have a medical condition cause them to lose their house if they are not properly insured.