New York Health Insurance Policies Secure Your Pocket

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.