No Health Insurance Coverage?

Over 45 Million Americans do not have health insurance. Of this number over 8 Million are children.

Millions of people in today's workforce do not have an opportunity to get health insurance. Why? 33% of companies in the United States do not offer coverage.

The skyrocketing cost of health insurance premiums are the main reason small companies are not offering coverage. Simply, they can not afford it and stay in business.

Many times when employees are offered coverage on the job, they can not afford their share of the premium cost.

As a result of no health insurance or being under insured, people die sooner. People without health insurance do not receive sufficient preventative care.
Major diseases, such as Cancer, Diabetes or Heart Disease are less likely to be detected early when treatment of these conditions is essential.

From a Harvard University study, about one-half of bankruptcies filed by consumers were a result of unpaid medical bills.

Infants with no insurance are more likely to die then infants with health insurance.

People, with ongoing poor health and no insurance, lowers their lifetime earning ability greatly. It has been estimated better health increases the earning power of people 10 to 30%.

The good news is there are better ways. Some of the options are:

Cobra - If you were covered by health insurance at work but are to lose your job soon, you are normally able to get 18 months of coverage. But a person has to pay the full premium to receive the same coverage.

High Quality Membership Discount Medical Plans - These plans are not health insurance. They are discount medical plans for healthcare to ensure members medical well being. Anyone can become a member. There is no having to qualify to become a member. No physical exams. All benefit payments and savings are paid directly to the member. The member is responsible for the payment to the medical service provider.

For many people High Quality Membership Discount Medical Plans are the answer for having better health. Those of us who are uninsurable can now have medical benefits. Childrenwill not have to suffer from untreated diseases. With medical benefits, thestandard of living is raised for many people by having good health.

High Deductable Policies - A person pays more for rountine medical costs but these policies protect a person againest catastrophic costs. i.e. Heart Bypass surgery, around $100,000.

Health Care for Kids - Most states sponsor low cost or free insurance for kids. Qualification depends on a families annual income. Check the state you live in for more information.

Keep in mind, 70% of Americans are either not insured or are under insured. n