Friday, December 7, 2007

Health Insurance and family budget

Health of family members is always a big concern for parents. One can live a healthy lifestyle, eat healthy and nutritious food especially colorful fruits and vegetables, exercise, take pain to ensure everyone have enough essential vitamins and minerals, etc. But all these cannot guarantee that someone in the family will fall sick. And when that happens, it can wreck havoc on the family budget. Depending on the seriousness of the illness, the type of medical treatment, the medications, etc, can range from tolerable to getting a family into near bankruptcy if the family is not well prepared for it.

Prepared for it? How? Not difficult. Get health insurance. All you need to do is to take care of the monthly or yearly premium payments. Get sick, and the insurance will take care of the medical expenses. No headache, no sleepless, no bankruptcy. But we have very poor families and very rich families and a whole range in between the two. But there is such a thing as a normal curve, which is a bell shaped curve with the great majority in the middle (neither very rich nor very poor) and a very small minorities at the extreme - very rich and very poor. The majority will have to work within a budget, but you also do not want to end up with a cheap insurance policy that offers hardly any protection. So do some comparison shopping and the best way to do it is via the environmentally friendly Internet. Surf over to websites like Health Insurance Quotes Online where you can get instant quotes without wasting your precious time or burning a single drop of precious and depleting fossil and thus help in solving this environmental problem of the century - global warming.

If you purchase insurance policy individually, it is normally more expensive than what you can get via Small group health insurance. I checked that site and see the word "small business" there, so don't really knows whether a family can get a group insurance via that site, but if the bread winner or bread winners happened to work for a small business, the doubt is dispelled.

If not, a family can always go for Individual and family health insurance.

Whatever it is, do make sure you get health insurance for your family if you don't want to run into problems when a family member or members fall sick.