Are You Uninsured?

Have you been working hard, and paying your bills on time your whole life? Saving your money and trying to get ahead looking forward to retiring some day? You read in the paper and hear on the news about so many older Americans that are uninsured, because they can not afford it. Are you one of the uninsured, like I am? So are you worried about having a health care emergency and facing the dire financial consequences of not having health insurance? You can not switch jobs, you feel you are getting too old to be hired by anyone else.

You know you can not or do not want to learn a new skill, to get a new job at a bigger company that has group health insurance. Your employer really can not afford health insurance for his employees and you do not see that changing where you work. You have gotten by this long without health insurance and you know that you should do something about it. But health insurance is expensive and getting health insurance is a good idea and something you have always been planing to do. We just keep putting it off, and are unsure of where to start. So what is a man with a family, or a single person to do if you just barely can find the money in the budget to pay for the necessities, like the rent, or mortgage, the higher price of gas and food, much less expensive health insurance?

Do You Think You Can Beat the Odds?

For men it is one in three, for women one in five that you will have a major health care emergency hospitalization and incur medical bills for surgery, hospital stay, outpatient medical care, therapy and prescription drugs. Ever wonder what you will do if the worst happens and you have to go to the hospital without health insurance?

In a Word. Bankruptcy.

The retirement you worked your whole life for, and dreamed about, the retirement you always envisioned is gone, taken away from you in an instant. And by a calamity you have tried to avoid. A calamity that broad sided you, and you never knew what hit you.

Ever wonder how you are going to pay for the emergency room bill, the hospital bill and the doctor visits, not to mention the prescriptions if you need them?

This Poor Soul Could Be You!

Imagine this scenario, you are 55 been in great shape your whole life, you work hard and live right, do not smoke, eat healthy foods and have been taking care of yourself the best way you know how. But lately you have been getting a little short of breath. You shake your head say it is just getting old and keep right on working on the house, the car, the lawn, the crops or a new project you just have to get done.

Then all of a sudden you feel really short of breath, you stop, sit down and can not breathe. You look down and your arm is feeling funny and tingly. All of a sudden feel a shooting pain running up your arm into your shoulder, ah, just overdoing it again, you say to yourself. I will just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numbness and worse stabbing pain goes into your shoulder. Quickly the pain intensifies and travels deeper and is shooting across your chest and now you are really scared.

I Wonder if this is a Heart Attack?

You know you waited too long and it is too late. You are in the middle of a heart attack.

You are desperate and in stabbing pain and know calling 911 may save you, if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no strength and your legs just can not move. You holler louder, it hurts so bad, and she hears you this time. She rushes to your side and you are so short of breath you can not talk, the pain is too great. You point to your chest and she can see by the look on your face you are suffering and in great pain and something is terribly wrong.

She Runs to Call 911

She is frantic about you and tells the ambulance to come right away and she thinks you are having a heart attack. She runs back to your side and you both are terribly scared and all you can do is wait.

The waiting has just begun. Then the ambulance arrives, you find out the very worst has happened. You are having a heart attack, they rush you away to the hospital, taking your vitals and giving you the drugs to save your life. Expensive surgery follows with angioplasty to open up your blocked arteries in your heart.

The doctors say that you should make a good recovery with adequate care and therapy. You will have to take heart medications and high blood pressure drugs the rest of your life. Already the worry has started, and you think to yourself.

How Am I Going to Pay for This? The deep financial worry never leaves you. You have heard stories of financial disasters happening to people having huge bills for heart attack related surgeries in the tens of thousands of dollars. You lost. You did not beat the odds.

Now What Can You Do?

What I just shared happened to my brother, a farmer, bulldozer operator in the prime of life. No health insurance and he is now facing a $46,000 bill he can not pay. Not unless he wants to sell the beautiful log cabin home he built with his own hands and the farm he worked his whole life for. He is tied to heart drugs for the rest of his life. Heart drugs which make him sick. He has decided to sell part of his land to pay the hospital and clinic bills. He hates to do this, but has no choice. He tried to pay the hospital and clinic with payments of a $1,000 a month each, paying every penny he could, but that was not good enough.

Even though he had an agreed upon payment plan, the hospital and the clinic still turned his account over to the collection agencies even though he was paying over $2,000.00 a month. They told him he was not paying off his bill fast enough! He is an honest man who worked hard his whole life and did not deserve this. He can barely afford the heart drugs and makes just enough money so he does not quality for state assisted care or prescription drug benefits.

Now He Is Uninsurable - The Final Blow

One more thing is important. That is not the only calamity. He is not eligible for any type of health insurance for his heart, even if he could afford to pay $850.00 a month for health insurance coverage. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart right now, he would have to not have any hospital care related to his pre-existing condition for seven years to quality for having that heart condition covered under any health insurance policy. For my brother, he will have to work to harder than ever to pay this debt off. There will be no retirement for him, he is 59 and that is a terribly hard price to pay.

What Does This Mean for You?

Do not wait, do not let a major health problem ruin your chances of retirement. Health care coverage can be purchased and can be budgeted for. If my brother knew what was going to happen, he would have budgeted the money for a health insurance policy. He could have spared a couple thousand a year for an inexpensive health care policy that would have cut the bill he received by a significant amount. When you are lying in bed at night, think of the people you know that have had their lives turned up side down by a health calamity, lost their jobs, their homes and their retirement. This is too big a price to pay. Take care of yourself, your family and protect your retirement. Now more than ever getting an online insurance quote can help you take a step in the right direction for removing most of the worry, about what if a medical emergency happened to you or a loved one.

Would You Be Covered? Let us hope the answer is Yes.

When I got laid off from a great job due to a company downsizing, at the age of 50, I too lost my group health insurance. I went on the Internet and found the folks at www.BusinessHealthInsurance.com. They helped me with getting insurance quotes and figuring out how to compare the quotes and worked to help me find the right health insurance policy that would protect me. Please get some health insurance that will protect you and your loved ones. Knowing something can happen and taking the right steps to protect yourself can help remove some of the worry.

Do it for yourself, do it now before it is too late. Please feel free to find more money saving insurance tips and get a free no obligation insurance quote at: Get Free No Obiligation Health Insurance Quote at Business Health Insurance.com By Clicking Here

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