As a resident doctor at the town hospital, I come across patients
for all sorts of diseases and emergencies. I have learned the
importance of New York health insurance policies for
every individual as I often see that patients devoid of this plan have a
tough time paying their medical dues. In some cases, family members
are unable to retrieve the dead bodies of their loved ones unless they
pay all hospital charges. This may sound harsh but the hospitals have
no choice as unless they recover their costs, how are they going to
keep the place running and maintained. New York health insurance
policies are mandatory for everyone as medical problems do not announce
their arrival; you have to be prepared for this adversity in life else
the financial duress can mount alongside the emotional one. The
studies reveal that medical costs are growing exponentially thus
responsible and smart people ensure they have this plan under their
belt.
With age on my side, I bought this plan as I
learned that insurance companies offer cheaper rates for younger people
knowing that their chances of falling sick sooner in life are remote.
You are required to pay fixed annual premiums and in turn receive a
defined cover amount, when the need arises. I searched the net
extensively for health insurance polices of merit and came across an
assortment of rates. Anyhow, competition is stiff amid the various
insurance providers and soon I was able to clinch upon an affordable
rate for the same. I viewed the terms of contract in detail as I did
not want to be faced with any grey areas.
New York health insurance policies can be bought
only after you have undergone a series of medical examinations listed
by the company. My tests revealed that I had diabetes of the first
degree. This came as news to me because in spite of being a doctor, I
had not had any pathological tests done for the last few years. The
cost of the health insurance plan is higher in case of preexisting
ailments and I had to pay more than my counterparts. The rule is the
same even if you have a heart condition. Luckily, I am neither a smoker
nor do I drink because such people too are victims of expensive New
York health insurance policies. Health insurance plans typically cover
the cost of your hospital stays as well as other medical tests such as
blood test, x-rays, cost of medicines and much more. Individual health
insurance plans are more costly than the group ones; I got my entire
family insured here as who knows which of us is to get sick at any
point. There is immense security in the thought that you will be
monetarily protected when you are taken ill.
