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A health care insurance is very vital in providing security for better medical treatment and also to save you from the financial loss you will have to badge in case you need to face related medical expenses all alone. Despite the rising cost of health care insurance we need to own a policy as health is the fuel for our life and we need to protect it in some form or the other.
Especially in the United States where most of the Health Care Setup require to be initiated with treatment with a valid insurance for payment it is difficult to chip out treatment without a good health care insurance policy. The expense related to premium is less for nonsmokers than for smokers. With smokers being high risk candidates who invite disease easily the health care insurance companies scrutinize them and require them to pay more premiums than people who do not smoke. However, the premiums can be reduced for current smokers to a little while if they make attempts to quit smoking; and a valid certification for quitting smoking over a year should be produced to avail such benefits; however, they may not still get the nonsmokers price, but the premium will be slightly low for quitters of smoking than for smokers. The age factor also contributes to the premium that one has to pay; as with increasing age there should be increasing ailments. However, there are still health and fit appearing 70 year olds against frequently ill appearing 15 years olds. So the health care insurance companies considers the matrix of age against existing health records to arrive at the right premium so as to not let someone healthy be classed as high risk candidates for reasons relating to age only. The job factor is another thing that is considered in health care insurance. There are some high risk jobs that may lead to accidents; however, most such accidents are covered by employee sponsored job related accident insurance coverage. The follow up medical expenses and drug expenses for such may be covered in partial for such people with health care insurance. Radiation exposure related jobs and employment related to disease possibilities also require high premiums. Existing medical condition contributes to the major game of the premium. However, if one had already had a health care insurance and has then developed a disease the insurance will support as with initially agreed premiums, but if one is going to switch over to another insurance company for support then the disease would be considered as an existing ailment and premiums may shoot up with a different company! |
