The main reason why many Americans don't have health insurance is one of financial. Usually, though not always, this comes about by the loss of a job. Being unemployed along with the uncertainty of when the next employment offer will come means that paying for any kind of insurance takes a back seat to housing and other living costs.
For the first time in American history, the Barack Obama health care plan (Obama Care), aims to ensure that no man, woman, or child, goes uninsured providing they are citizens of the United States of America. As things are right now, as they have been for generations, there are US nationals that can't get insurance for one reason or another. So 'exempt' are they, that many are not even able to get temporary health insurance quotes from companies that consider them likely candidates for a claim. When you consider that The USA is the land of hope and glory, it's amazing to read that some of its citizens are dying because they can't even get hold of a short term health insurance coverage, let alone a long term comprehensive cover. Most of Western Europe and far east Asia put America to shame when it comes to the health care rights of their citizens. Will the US president be able to change this in 2010?
Although the world of medicine is often nicknamed as the caring profession, health and caring for health has a price, and quite often a high one at that. Sadly, the world of health insurance is a lucrative one and many a savvy entrepreneur will cease the opportunity to capitalise on it often meaning he is more interested in what he can get out of it that what he can give. Shopping for individual health insurance, temporary plans, or more permanent options, is often no fun at all, and there are very few signs of care for the one wanting the insurance cover. Maybe government funded health insurance should take this basic life need out of the hands of the capitalists?
Like most things we need to spend money on but would sooner not, the trend it to rush in and get it paid for so that it's out of the way and not longer a lingering resentful thought occupying headspace. This is certainly the case with insurance, especially if you're young, fit, and healthy. But even though you want such a fee done and dusted as soon as possible, it's a bad idea to run out and buy into the first temporary health insurance quotes you're presented with.
Because just about every insurance salesperson is more than happy to present your with temporary health insurance quotes, it's wise to be on top of the game. At the end of the day, he or she is a salesperson and the more they sell, the more commissions they make, so prepare yourself! Understanding the jargon of a policy and knowing your specific insurance needs for short term cover, will inevitably help you make a more informed decision thus resulting to a potential saving on the overall fee.
There are a few important things to consider though before considering the first temporary health insurance quotes that come your way. Many of these plans will not cover pre-existing health complaints of conditions that need continuous treatment. Nor will most of them give cover for costs incurred by pregnancy or child birth. Although this might sound logical for a short term health insurance plan, a lot of folks take out short term health insurance coverage without really knowing what they're covered for, or not, as the case often is. Once again, know what you need specifically before taking with a consultant, otherwise you could be paying for a temporary health insurance plan that is of little use to you in the event of a real claim.
There are of course advantages and disadvantages with the short term health insurance plan, but one thing is certain and that is it's far better to have health cover than not. A lot of folks in the western world were amazed to hear that there are over 50,000,000 people in the United States without either short term health insurance coverage or long term. When you think that most of the countries in the developed world provide their citizens with permanent health insurance irrespective of who they are and what their status.
Often when folks lose their medical insurance, many are tempted to not bother getting temporary health insurance quotes let alone taking out any kind of short term health insurance plan. It's certainly tempting, but it hardly gives peace of mind let alone that essential health care should anything go wrong in the interim. If you've lost insurance because of a job loss, then it's easy to write off short term health insurance coverage as an unnecessary waste of money, but the bottom line is that we really do need insurance come rain, come shine, come hell or high water. The coming months should be very interesting as the Obama government strives to make sure everyone gets health care no matter what their circumstances, but until then, it's wise to look for a temporary health insurance plan that meets the needs of you and your family.
Sad fact: Every year there are studies carried out in the USA and other countries that do not have national health insurance plans in place for their people. In other words, these countries have folks who are uninsured or underinsured. It's estimated that nearly 45,000 people die in the United States each year due to lack of insurance, which equates to 1 death every 12 minutes.
SUMMARY: Insurance is important. If you tell an insurance agent that you're looking for cheap medical insurance, he'll fix in his mind the thought of time consuming low commission, and probably try to sell you something substandard and fast. But if you use the term cost effective medical insurance, you will get more attention and taken more seriously as you discuss the various inexpensive options of adequate cover.