Health and Medical Insurance..
One of the leading cause of personal bankruptcy in the United States is unpaid medical bills. Half of the uninsured owe money to hospitals and a third are being pursued by collection agencies. Another important reason for having health insurance is that uninsured patients are billed at full price, while a 40 to 60 percent discount is typical for those with insurance. Insurance companies negotiate for lower prices from health care providers.Without medical insurance, not only can an illness destroy you financially, it can adversely affect your health. Studies, for example, show that people without health coverage are less likely than the insured to receive treatment for lung-cancer, heart-attacks or pneumonia. The uninsured are 25% more likely to die in any given year than those with insurance. Having a health insurance policy is not enough to buy immunity from financial catastrophe due to illness. In 2005, seventy-six percent of people who had a medical-related bankruptcy had health insurance when they became ill. These facts illustrate the importance of creating a family health care budget to complement a health insurance policy. Establishing that budget could mean the difference between being able to pay future bills and having to seek relief from creditors..
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