The Importance of Healthcare Insurance Before Disability
Many Americans are wondering why it is a must for them to get health insurance. The truth is that just like auto insurance, healthcare insurance is important, and especially before something fatal happens and we become disabled. It is something that we all need but hopes to never use. Below, we are going to list down some of the reasons why it is important for one to get health insurance.
Risk of a Penalty
It’s a must for all American citizens to get health insurance and those that are not covered risk a penalty tax of $695 per adult or 2.5 percent of annual income (whichever is greater).
You risk financial ruin
Your health might be in good shape right now, but should you get a sudden disease, and especially a serious one such as cancer, diabetes, appendicitis or a traumatic event (ski accident, car crash), you could be left with huge medical bills. This will easily lead you to personal bankruptcy, ruining the credit history that you’ve been building for many years. During the period that you’re disabled, you won’t be able to begin reorganizing your financials again, since you might be rendered to a wheelchair, or even blind or deaf.
You won’t have access to preventive care and primary care
Annual checkups and preventive care, including mammograms, vaccinations, colonoscopies and prostate cancer screenings are to be covered by insurers, according to law. This way, a person is bound to flag a disease early, making it easier to control it and prevent any sort of avoidable disability in the future. Policies must also provide a minimum standard of care known as essential health benefits in 10 categories: preventive and wellness services, ambulatory (outpatient) care services, emergency care, hospitalization, maternity and newborn care, pediatric care, mental health and substance use disorder services, prescription drugs and rehabilitative and habilitative services (specialized therapies and medical equipment to help people facing long-term disabilities).
You may miss out on options to offset coverage costs
For the first time in history, low-income earners in the U.S. are now eligible for tax credits and subsidies to offset the cost of premiums and out-of-pocket expenses for plans sold in the state-based health insurance marketplaces (also known as “exchanges”) created by the Affordable Care Act. These health insurance policies began being sold in November with coverage beginning Jan. 1, 2017. Visit healthcare.gov or call 1-800-318-2596 for information about the marketplace in your state.
Those are some of the reasons why it is important for people to take up health insurance. We are now going to go all the way to Perth, Australia, where we are going to look at one of the health providers there, Access Cardiology. They offer their patients a personal service that is focused on meeting each patient’s individual needs. As one of the leading Perth cardiology practices, they also offer a comprehensive range of cardiac testing services, along with access to a complete network of experienced health practitioners and first class resources.
Whether you would simply like to have the health of your heart checked, or you have an established heart health concern that you the dedicated cardiac specialists to help you manage, simply make an appointment to see one of our talented Perth cardiologists during regular practice hours, Monday to Friday.
Bringing you the very best in Cardiology
The team consists of highly skilled cardiologists that are committed to providing the highest standard of patient care as compared to anywhere else in the world. They aim to ensure that patients are looked after in an exceptional manner from the moment they approach them. They work closely with the patients GP, managing their care by using the best medical technology. They offer the most effective and advanced cardiac treatment options currently available.
A Holistic Approach
Knowing the need to treat more than just your cardiac problems, Access Cardiology give people access to a range of health professionals to guide them onto their road to good health. They work with patients with the aim of helping them to make the right lifestyle changes that will benefit their wellbeing for the rest of their lives. This includes things like adjusting diets, starting new exercises or undergoing some sort of physical therapy. Medical treatment combined with lifestyle changes can often transform the quality of one’s life for the better.
They are conveniently located in five locations around the Perth metropolitan and selected regional areas, offering their patients the options of Nedlands, Murdoch, Joondalup, Mandurah, and Albany.
For a thorough investigation of any heart concerns, Access Cardiology offer a wide range of cardiology testing procedures, including cardiograms, stress tests, Holter and event monitoring, ECGs and ambulatory blood pressure monitoring. All the testing is carried out by well-trained sonographers and cardiac technicians who are dedicated to ensuring comfort and safety throughout the test.
A wide range of cardiac procedures is performed at major hospitals such as The Mount, Fiona Stanley, Sir Charles Gairdner, St John of God Murdoch Hospital and Joondalup Health Campus.
Requesting Further Information
Please call on 9389 8658 or email them in the event that you have any queries, and they’ll gladly answer your concerns.
The best health services, such as those of Access Cardiology, don’t always come cheap, and you might want to pull health insurance to keep you covered in the event that something ever happens. You wouldn’t ant to become disabled, only to discover that even financial institutions won’t advance you money due to your condition. Ensure that you’re covered.