History : -
The concept of health insurance was proposed in
1694 by Hugh the Elder Chamberlen from the Peter
Chamberlen family. In the late 19th century, early
health insurance was actually disability insurance,
in the sense that it covered only the cost of emergency
care for injuries that could lead to a disability[citation
needed. This payment model continued until the start
of the 20th century in some jurisdictions (like
California), where all laws regulating health insurance
actually referred to disability insurance. Patients
were expected to pay all other health care costs
out of their own pockets, under what is known as
the fee-for-service business model. During the middle
to late 20th century, traditional disability insurance
evolved into modern health insurance programs. Today,
most comprehensive private health insurance programs
cover the cost of routine, preventive, and emergency
health care procedures, and also most prescription
drugs, but this was not always the case.
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.