For those who are self employed or have a job with no health benefits buying health insurance is a good idea. If you have health insurance you can cover yourself and your family. In case you don’t have it, you take a risk.
You really need to get health insurance in case you suffer from chronic health conditions and you need regular health care. If you are one of those healthy people who don’t suffer from anything, you are lucky but yet you need to buy health insurance because it covers accidents and anything else that might happen to you. Imagine something happens and you have no health insurance, then you will have to pay huge bills for medical care.
You can easily avoid all that by choosing one of the many reasonably priced plans available to people with different health needs.
If you hop online you will see how easy it is to buy health insurance. All it takes is to visit this website- ehealthinsurance.com and check the sampling of quotes from different health insurance carriers based on gender, age and smoking history. You can get quotes for individuals, couples, families and even small groups. After that you will get all the insurers’ offers displayed with estimated monthly premiums listed. You can also compare the benefits the reputable insurers offer. In case you consider yourself a healthy person, it is best for you to get the plans with the higher deductibles and co-pays which have a lower monthly premium. If you suffer from a chronic illness like asthma, then I would suggest you went for a plan with a lower deductible. This is what you should consider carefully before you decide to buy health insurance.
If you want to ensure yourself and your family then you’ve got only one option and this is to buy health insurance. If you are not exactly sure what to do and you are a bit confused, then why not do a little research first. Check the site of the Agency for Health Care policy and Research at www.ahcpr.gov and find the answers. When you’ve already chosen the best policy for you, then you should complete a health history questionnaire. You will have to pay a small application fee and provide the health information which is required. Once you do this you will have to wait so that your application is reviewed and then you can have your actual premium determined.
In Ghana, there is the NHIS as well as several private health insurance companies.
Dont hesitate any more, just do it, buy health insurance