A fairly recent Harvard study shows that 54.5% of the bankruptcy is due to medical reasons. Most people were middle class and almost three quarters had insurance. Often illness led to job loss, and thus the loss of insurance. Medical costs paid from the pockets (such as co-payments, deductibles, and medical services not covered) were an average of $ 13.460 for those with insurance when the illness began, vs. $ 10.893 for those without insurance. In many cases, costly medical bills along with the loss of revenue forced people to spend time working.

Most physicians were broken average American is sick. Health insurance offered little protection when the disease began. Families had to cover payments, deductibles and bills for services not covered as a physical therapy that could not pay. To the best health insurance based on the work usually disappears when the disease caused the loss of a job just when families needed it most. “Demasiadias sometimes health insurance is an umbrella that melts in the rain.”

The study mentioned non-covered services as physical therapy. In almost all cases of insurance, the company has a separate limitation as to the physical. How much it costs to create therapy today? Some of these limitations are lower than the average deductible or worse, the insurance companies pay for only a small number of visits or $ 25 – $ 30 per visit. Now, you pay the difference.

The most important question here is, how prepared are you? How secure is your salary and your assets? What if you lose your job because of a serious illness? Check with your health insurance expert about programs that you write a check for the amount you choose, based on what you can afford, and not tied to your salary. The investment is small compared to the benefits of receiving such a check when your family needs it most.