The office clock strikes 8am, you are almost late, it’s a good thing the trains are available in the middle of the metro. Lunch time arrives, but you deprive yourself your lunch because you want to go home early for your family. You finish all your reports, and presented them to your boss. And that’s when you felt your stomach cramped, you didn’t mind it at first, you waited until you had to get home. When you were home, the pain resurfaced, but you bought yourself pain reliever, and acted normal. It was when the lights turned off you started to panic, your vision is blurring, at first you made yourself think that it was sleepiness, but then you felt your tummy ache again, this time, it’s like a blow hit you straight to your stomach up to your bagpipes, and you shouted, but no one hears you because they were asleep, you gathered your strength to go out of the room, and you opened your door, and the darkness ate you. You passed out, everyone in the house were wide awake, and brought you to the hospital

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At the hospital, they didn’t admit you, because your mother didn’t have enough money to have them admit you, she cried her heart out worrying that you may not survive, because you were unconsciously shouting, she had to call your godfather for help, but they were all asleep, it’s good that you have brought your younger brother a pretty classy cellphone, so he needed to have it pawned to his friend even if he was having a hard time, he thinks you can get it back when you are better. You weren’t able to go to the office the next few days, and got terminated. Everyone in the family starts taking jobs to help you, and then you recovered, that’s when you were hired fortunately by one of the biggest call center in the country, there they introduced you to the benefits, and they focused on their health benefits where you suddenly felt your eyes wet, you didn’t know that the company you’ve worked for in 6 long years, didn’t even manage to care for your health, when you gave them your all, even your time for yourself whereas a call center such as this, gives you these health insurance benefits, when you barely started taking calls. Your family needn’t have pawned their things that you bought for them; you could have spared them the humiliation of the neighbors looking at your stuff being carried out by truckers. Your brother shouldn’t have dealt with his friends who pushed drugs, if it weren’t for the pressure of buying your medicines. You are a good person who just forgot your health. You deserve to be covered. Good thing your company gave you the health benefit you deserve.

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They say that the best things in life are free, but it’s also true that we pay a hundred bucks or even thousands with things that we don’t really need, but feels it so hard to save a single penny for a health insurance.

The lifestyle that we lead nowadays are really prone to sickness, and as hard as we may to ignore it, the hardest reality slaps us the facts straight to our faces. A burger in your favorite fast-food franchise is cooked three minutes for preparation and takes off a whole day from our health adequacy. A stroll in the park gives us back another day to pay for it, but we are too busy to walk, we need to drive or ride to get to the source of income which is our abode of EMPLOYMENT. As we sit to our computers at work, the junk foods we consume takes off another few hours, plus the sticks of cigarette some of us would get takes off minutes or even hours. But not all companies provide us quality health insurance to pay up for it.

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We see things on how they are now, but we fail to see them days or even hours from now. We pay for things that usually lead us to our ends. We only get one life, and if we value it, we may enjoy it better if our health’s intact.

A sick person can only realize the importance of these things when they’re counting their days, but do we really need to wait for our clocks to tick, we need to see the present clearer. What we need is a health insurance for them to take care of us, so we may take care of our loved ones.

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Some people do not really understand the importance of health insurance, because above all existing matters, they are more conscious of the rates and the hassles of getting one. But it’s not at all as tedious as it sounds. The following information is aids to assist anyone who’s interested in availing the benefits of an individual health insurance.

One should gather information usually needed when filling out an application. The names and addresses of doctors for and your family members, the dates of the most recent visits, and information about your most recent insurance policy should all be ready for the forms.

If you work, you can even get an insurance through your concerned Employer.

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If you’re enrolling in a health insurance plan through your employer, you would usually need a medical examination which is done when you first applied or yearly for updating, you may have to wait for the company’s next enrollment period before you can apply. However, if you’re a new hire, you likely can apply immediately. The application process for enrolling in a group plan is quite simple, because most plans will enroll everybody, regardless of pre-existing conditions and current state of health.

All you need to do is to fill out an enrollment form, which includes personal information like: name, address, social security number, designation of the primary insured and all dependents with the names, ages, dates of birth and social security numbers for all dependents, employment information including hire date, and the type of health insurance coverage you choose. You may also be asked to provide information about your prior health insurance coverage, including the insurance company name or policy information number.

The completed application goes back to the benefits coordinator of your company, who will process your form, and voila! You’re done!

You pro-actively look out for yourself!

Everything’s the same as above except that you’ll be handling all the paper work yourself. Some insurance companies will send an insurance agent to explain the application process with you. In these cases, the agent will often work with you to gather the necessary documentation, coordinate an in-home medical examination, and collect your pre-payment check. It is so simple that some people decide to apply for health insurance online. To do so, just visit the health insurance company’s web site where you’ll find an online application form. You’ll have to provide the same type of personal and employment information as above, and you’ll just enter it onto an online application form.

Everyone needs taking care of and security nowadays. As the cliché goes YOU CAN NEVER BE TO SURE.

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Life has been a lot more complex instead of simpler, as technologies surface. Some says that the technology has come a long way from the medieval years where fire has not even been invented, but some also takes on the fictitious fire of The Lost Tribe of Atlantica, where they say that humans are to manipulate the world with the fire of eternity, where all the technologies that we have right now are just shadows of what we have already experienced before. But Eternity is not for free just yet, and until it is we need to take care of our lives and health as we only get one for the moment.

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Tomorrow never comes, true as it is would also be debatable when we ask about the human race’s deteriorating lifestyle, with the fast phasing of the events at the moment, even our life seems to be on the faster side of the clock. You can never be too sure, even if one works their bottoms off from daybreak to sundown, some don’t even have to wait for tomorrow for their life’s slow deterioration, later or sometimes even the mirror would tell them how it will look now. These are things that people tend to think less of, just to be able to get farther from where they started yesterday. For most of us, it’s ok that we take our Health aside because we always give excuses that we can take care of it when we have better finances in the future. But how sure are we to know if we even have our future ahead when even we amongst ourselves feel the numbered breathings as we go up our stairs. Ironic but not everyone would have stairs at work, since the technologies have granted our lazy bottoms the escalators/ elevators.

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We need to live one day at a time, for we only get one day longer every lifetime, and as we conclude this we need to add to our priorities the Importance of Health Insurance, we work to live and not the other way around. We sure don’t want to give our family members or close relatives the burden of having to think of the hospitalization bills when we get to sick to work. Prevention is a lot better than cure, as cliché-tic as we may be, but it wouldn’t be known as a phrase if not proven in decades already. One only has one life time to make use of all his riches, but above all we need to recognize the quality of the life we live, we need to take care of ourselves or sickness would do it for us. One would not have to wait to get rich to do this, a health insurance may be foreseen as added expenses but in reality it is an aid to help us get through our everyday lives a lot easier and more secure as we are sure of the status of our body which is our media to feel life’s riches.

The cost of health insurance may have soared high over the years, yet the needs of Americans for health care have not changed-these needs grew as well. Because of this, more and more individuals find it necessary to get themselves a medical insurance, but at affordable health individual insurance plans have become scarce due to rising costs of medical care services. As an average American earning a meager income, what can you do to address this issue?

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We all are looking for low-cost health insurance plans which we can afford, and a lot of health insurance companies have seen this need. What you can do now is check out some of the trusted names in the health insurance industry as they now provide quality yet cheap health insurance plans which are tailored-fit to one’s needs and budget. Among them are:

Humana One- One of the biggest names in the world of health insurance, Humana One now provides its clients with more affordable health insurance policies based on their budget and given requirements. Their plans are composed of three PPO types with a deductible ranging from $1000 to as much as $7500, coinsurance of 80%-100%, prescription drug coverage, emergency room co-pay and specialist visits coverage. Not only that, Humana One also provides a policy lifetime limit for as much as $2 million to $8 million.

Another company that provides affordable health individual insurance plans is Aetna. They have PPO individual health insurance plans which consist of $500 to $2500, coinsurance ranging from 20% to 80%, prescription drug coverage with$250 deductible and emergency room co-pay of $100. Aetna has been in the industry for more than 100 years already, so you can rely on their efficient delivery of services when it comes to health insurance needs.

The American Medical Security meanwhile provides PPO plans with $1000 to $10000 deductible, 50% to 100% coinsurance, specialist visits coverage, emergency room co-pay and prescription drug coverage with up to $250 deductible. Their plans are as well flexible to fit in with other health care plans, particularly those provided by your employer.

If you are looking for really cheap individual health insurance plans, then you can check out the plans provided by Blue Cross Blue Shield. Their plans consist of $2500 deductible with 20% coinsurance and co-pay of $25. Their premium meanwhile only costs $363, which is very much comfortable on your budget.

United Health Care meanwhile is a health insurance company that offers their customers with high deductible plans which aim to promote more savings. These HSA plans have deductibles for as much as $500 to $5000, coinsurance of 80% to 100%, specialist visit coverage, emergency room co-pay and prescription drug coverage. The plans also provide a policy lifetime limit of $3 million.

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Finally there’s Unicare. Unicare has low cost health insurance PPO plans with deductible ranging from $500 to $5000, while their coinsurance ranges to as much as 80%. Their plans also cover specialist visits, emergency room co-pay and prescription drug coverage with co-pay.