It is widely known that women outlive men and more female babies survive than male. Nowadays men live an average of 5 years less than women, which is 4 years more than it was almost a hundred years ago. Why is this the case and how can men correct this problem? Some of the reasons are rooted in the way men take care of themselves in general and how they approach purchasing health insurance. Other reasons are simply because of how men don’t take care of themselves physically and when selecting or even purchasing health insurance policies.
Most men don’t even bother with health insurance, nor do they even consider looking for it. More and more women are purchasing health insurance for their spouses, but what about all the single men out there? If you obtain a quote for a man’s health insurance, it will usually be higher than that for women. Men don’t just slack off on the health insurance coverage, they don’t seek medical help even if they do have medical insurance. Getting a good health insurance policy is one of the few steps to a healthier and longer life.
A man’s health is not just important to him, but to his offspring and to his spouse. If you die, what will happen to your wife and kids? Health insurance and life insurance for men go hand in hand sometimes, and you should get both. Since the men tend to bring home the bread more, or earn more income, it is important that men have a decent health insurance plan to cover them and probably their family for when things go wrong. Being covered not only physically but financially by a good health plan will reduce the risk of death for not only you but for your entire family. It would be wise to obtain health insurance early on or just finding the best plans available on the market today.
Health insurance becomes more important for men as they age, as this is usually when more and more health problems and risks arise. Widows are left with expensive medical bills and post postmortem expenses after their husbands die from easily preventable diseases and complications. With health insurance men are more inclined to see the doctor and are better cared for by health professionals since necessary tests are covered. Guys wouldn’t bother with tests if they weren’t paid for and convenient for them, thus health plans will help them stay healthier.
Men leaving their wives in poverty is becoming more common as they die without life and health insurance, leaving their entire family to deal with the left over medical expenses. There are more elderly women than men in the United States and it seems to be getting worse while men don’t take care of themselves. Men need to get out there and find those popular health plans aimed specifically to males so you can be there for your wife and kids. For single guys this means living longer than your ex-girlfriends and your other friends!
By: Michael Bell
Posts Tagged ‘Medical Bills’
Male Specific Health Insurance
April 14th, 2010Health Insurance 101
April 6th, 2010
Health insurance is a kind of insurance wherein the insurance company pays the medical costs of the insured individual if the individual in question falls ill due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. The major purpose of health insurance is to cover medical expenses and any lost income while the individual is not well and unable to function normally.
There are different types of health insurance policies. The two most common ones are major medical and disability insurance. A major medical health insurance policy provides benefits for sickness or injury, irrespective of whether the care is provided at a doctor’s office, clinic or hospital. The types of sickness and injury covered are typically broad, although there are always limitations that you may want to discuss with your agent prior to purchasing the coverage. Major medical policies normally have an annual deductible and a lifetime maximum amount of benefits that will be paid.
Even if you are covered by a group insurance at work, you might consider taking an individual policy if you may change jobs soon, or if certain benefits that are not provided in the group policy.
A deductible is an annual amount that you will have to pay per insured person, before the insurance company begins to pay on your bills. There is an upper limit for the maximum amount of deductibles you will have to pay in a given year.
In a health policy, coinsurance refers to the percentage of the medical bills that the insured individual will have to pay after the deductible is met. Usually the health policy would have a provision called a ’stop-loss’ – this is the maximum amount you will have to pay for covered medical bills.
By: Chris Tolamalu
How Important is Student Health Insurance?
March 22nd, 2010
Many healthy, young college students consider that they can do without spending money on health insurance premiums. They are not ill, they are careful and they are still young. Why should they desire health insurance?
For enrolled students in most universities and colleges there is a growing inclination towards requiring them to have health insurance cover. Health officials generally agree the conditions in the dorms that make students want to live there are the very reasons creating an environment that allows illnesses and viruses to spread uncontrollably. Prescription costs, equipment costs doctors’ bills, or even simple flu outbreaks can go into hundreds of dollars.
Quite often some students can run medical bills running into thousands on just one incident, which they find very difficult to pay. For the majority of costs, the colleges or universities normally absorb them through their clinics.
Many parents and their child students may assume that the child is covered under their health insurance policy. Some insurance companies do cover college students on the parents’ plan if they are already in the health insurance plan. However, some only cover for local medical practitioners. Should the student go to another state, they may find that they no longer have any health insurance coverage.
The health cost for a child under a parents’ health insurance plan is quite low. For doctors’ visit the fee may be around $25 dollars and about $50 for emergencies. IF the same emergency arises without a health plan, the bill could be as high as $500 dollars, before the addition of x-rays, extra treatment and sutures. Even a simple thing like a sprain can result in a bill of many hundreds of dollars.
The answer: a student health plan or temporary plan focusing specifically of students who are away from home. Some universities and colleges can offer students their own health plan or have it arranged through a local provider. The rates a generally very reasonable as most will be group plans covering all the students at the institution of learning.
One very good option will cost about $1000 per annum. This insurance health plan will cover the full range of health cover as long as the students meets a minimum number of attendance hours.
Saving only a few dollars is an unjustifiable stance measure against the provision of a health insurance cover. Getting an affordable cover through you college can become a boon should you fall ill or be involved in a serious accident.
By: Jack Adams
