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When is Health Insurance NOT Affordable?
Health insurance is NOT Affordable when you are paying for services you will never use, causing your Premium to be higher than you can afford. Services cuch a low deductible when you have never gone to a hospitial before. Remember, your deductible kicks in on traditional plans mostly during Hospital Stays. If you are a healthy person and get a low deductible, in many cases, you are over paying for that insurance by hundreds of dollars per month. For individual plans, if you are really that unhealthy, you will not qualify for health insurance upon purchase for you will have pre-existing conditions that prove unsatisfactory to Insurance Companies. For older healthy persons, an applicant may want to add a Critical Illness Rider and an Accidental Medical Expence (AME) Riders. These riders will cover the GAP between your deductiibe and services covered by your policy. For younger applicatnts, an AME Rider may come in handy for sports injuries. GAP policies are sold with Assurant and Humana. Call today to get more answers to your questions.
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