Making The Switch: Why Choosing A Good Health Insurance Policy Will Help You

Summary: With Obamacare hitting the streets this January, individuals are beginning to realize the importance of healthcare and are attempting to understand different terms like premiums, policies, coverage, copays etc. We are here to tell you that if you are struggling to understand the various options available, you aren’t alone! But have you ever stepped back and asked yourself, why health insurance is so important? Read the following post to better understand why investing in your life and health insurance is as vital as your health itself.

The best lessons in life usually come from experiences that took place in another country. We decided to pick England’s healthcare system for purposes of story telling for two main reasons (a) they have something called the National Healthcare System (NHS) that many in the U.S. rival, and (b) they are the British and whenever we have any opportunity to poke fun at them we do (those damn colonialists!)

The NHS is pretty solid in the fact that they offer free healthcare to every British citizen. It doesn’t matter what kind of injury you have – they’ll look at a cut finger and throw in a free breast exam, if need be. Now, free usually rings $$$ signs to most us (funny how that works) and as an average consumer, you would think everyone prefers free healthcare to private insurance. WRONG!

What separates private health insurance from the rest?

1. You Have The Peace Of Mind That You Will Get The Quality Care You Need

The NHS was recently in the news for their shoddy elder care. Apparently, care home providers neglected the adults they were supposed to provide care for. They would leave them hungry, fail to clean up after them, nor respond to requests for help in a timely fashion. We are pretty sure that had they have the option of enrolling in a privately run care home under their insurance plan, their experience would have been a lot different. Oh did we mention the fact that some of the patients were abused under the NHS model? Again, we are pretty sure there is a lawsuit somewhere there there but the real lesson to be learnt is: Why react after the fact when you can control your care early on?

2. Its Actually Pretty Affordable

If you play your cards right, you will be able to tailor your plan such that you get the best care at the best price. At the end of the day, insurance providers are there to help you and want you as a customer. If you probe enough, they will work with you to help you get a plan that fits your budget.

If you belonged to the school of thought who was ok with absolutely no healthcare, Obamacare might have changed your plans. The good news is that there is a lot to gain from having health insurance and if anything, the benefits under Obamacare might trickle down to the NHS. (Whew, We Saved The Brits, Yet Again!)