Is It Better to Secure Coverage Right Away?
To ensure that you have access to affordable medical treatment and that there’s no interruption in your care, it’s best to secure affordable coverage as soon as possible. If you’re in between jobs, have just graduated from college or you’re waiting to qualify for Medicare benefits, a reliable health insurance plan will cover your medical needs. By maintaining consistent coverage, you can also avoid some of the restrictions that insurance companies impose on pre existing health conditions.
Securing Coverage When You’re Healthy
The best time to get affordable health insurance is when you’re young and healthy. As you age, rates for health insurance increase, and coverage becomes even more expensive if you develop a serious medical condition. If you’re physically fit, have no history of serious health complications and don’t smoke, you can find health insurance at a very competitive rate. Your age and gender will also play a part in your chances of getting a good deal on health insurance.
Having a history of illness or injury doesn’t necessarily exclude you from getting affordable health insurance. Insurance providers understand that few people have a perfect health history; therefore, pre existing conditions may be covered after you’ve passed a waiting period. With some plans, you may also secure coverage for a pre existing condition by paying a higher rate. Pre existing conditions may include diabetes, cancer, heart disease or high blood pressure, or less serious conditions like seasonal allergies.
If you’re in your 20s and you’ve just graduated from college, it may seem too early to invest in health insurance. However, the sooner you get coverage, the more likely you are to have affordable medical benefits when you need them most. Even a major medical plan that emphasizes coverage for serious illnesses and injuries may help you cover your basic needs and establish a consistent history of being medically insured.
Getting medical insurance right away can help you maintain optimal health and avoid chronic disease as you grow older. The sooner you detect potential health problems, the more quickly they can be treated, and the more likely you are to avoid serious complications. Detecting the early signs of Type 2 diabetes, high cholesterol or high blood pressure, for instance, will help you and your doctors manage these diseases, so that they don’t turn into life threatening conditions.
Maintaining Health Insurance Coverage
During the transitional periods in your life, it’s important to maintain your health insurance coverage. If you’ve just lost a job, are traveling extensively or have recently graduated from college and you don’t have medical insurance, it’s best to enroll in a reliable, affordable plan as soon as possible. If you go without health insurance for more than 12 months, you may be subject to restrictions on treatment for pre existing conditions. If you’ve had coverage within the last year, these restrictions may not affect you, according to the Health Insurance Portability and Accountability Act, or HIPAA.
Even if you have no health concerns at this time, health insurance is a wise investment in your future. The sooner you have coverage, the sooner you’ll be protected against the high costs of medical care. You can maintain your physical and financial health with an affordable medical plan.
With comprehensive medical benefits, parents can get the care they need to prepare for a healthy pregnancy and cover their children’s medical needs as they grow. The sooner you establish care with a reliable provider, the better equipped you’ll be to manage your family’s health. Securing coverage right away is the best way to make sure you have access to affordable medical care at any time.