The Shocking Truth About Health Insurance: Are you covered?

The Shocking Truth About Health Insurance: Are you covered?

Failure to know exactly what our health insurance covers could lead to financial ruin.

This is the lesson author Hans Seiler drive home in his latest blog.

Most of us as something trivial, like our health insurance coverage for granted. People who work for a large company and get their policies through their employer are perhaps less to worry about.

However, if you work for a small company time, or especially if you are self-employed, which could be critical for all of your financial security is examined in detail the exact nature of your health insurance coverage.

The self-employed author almost found this the hard way, when they changed carriers. After purchasing his policy by a national advertising company, has received a suggestion from another agent. This led to do his type of online survey that really should have been done before meeting with the seller.

There have been numerous articles on the net revealing story that many families had met with their coverage of that company. It took a gut-wrenching evidence and boring law suits to try to extricate themselves from financial ruin.

Of course, any agent worth his salt sales have diverted these stories as problems 'past', which has been corrected since then.

The reality, however, is that it took a line by line examination of the final policy should clearly reveal that the cover was woefully inadequate. Instead of traditional security, as promised by the agent, where 80% of medical expenses would be paid by the company after the deductible, the policy of protection under surgery on a single incident to the incision. If there were more than one incision, or more procedures performed within a single incision will be covered only 50% at best.

No wonder that so many families have been affected by this 'farce' health insurance coverage and those who misrepresent.

Do not be fooled by engaging flash or media advertising. Once the policy in hand, is not too late to extricate themselves from a potentially disastrous situation.