The Importance of Group Health Insurance

The main reason most any of us like to take advantage of group health insurance, when it is offered, is so that each one of us, as well as each of our family members are well-protected in case of any sort of medical need.

What would you do if one of your family members became seriously ill or was hurt in an accident? Could you take care of their medical bills? You will want to have health insurance to know that they have adequate medical protection.

Many times there are individuals who will have to go completely without any type of medical insurance simply because they can’t afford the high prices of individual insurance health policies. Sometimes they are knocked out of an individual plan for a number of reasons – from family medical history to being a few pounds overweight.

Imagine what could happen if an individual was unable to take his/her much needed high blood pressure medication. Believe it or not, there are several people and families that have to make the very agonizing choice of paying for either their expensive medications, or pay the monthly bills that they cannot go without paying such as rent and to purchase groceries.

It is unfortunate that there are many families who have to make this frustrating choice every single day. They are unable to afford the high cost of individual health insurance or they have to pay outright for the medical treatment and prescriptions they need.

The advantages of belonging to a group health insurance plan include the fact that every single member of the group you belong to will split the cost of the group coverage. You will receive all of the benefits at a much lower cost than you would pay for individual health insurance coverage.

Additionally, most group insurance coverage plans cannot disqualify someone in the group (or company) no matter what their current medical condition or family history of medical problems. Insurance companies are no longer allowed to pick and choose in a group plan, so everyone will get the insurance coverage they need.

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