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Sabtu, 30 Juni 2018

Being Ready For The Worst With Insurance

By Scott Lewis


Here is the most hilarious thing about people, they break. Human beings are infinitely breakable, so much so that just walking the wrong way for a single step can totally debilitate a person by breaking the leg that the awkwardly moving foot is attached to. Also, just touching something that is even a little bit contaminated can put a person in bed for a week or so with the flu. Given all that, it is no wonder that people need Bluecross Costa Rica insurance.

Insurance is that thing that many people do not know enough about to understand how it works but enough to know that they absolutely need it. In essence, it is money. But it is not money that can be spent all willy nilly like a paycheck or a savings account. It is money that is used as an emergency fund, like a lifeboat attached to a ship. It is the kind of thing that no one ever hopes to have to use but are eternally thankful is around when needed.

The way insurance works is not all that complicated. What is complicated about it all the minutiae of how to actually collect on it. People either make payments or payments are made on their behalf. A provider then pools this into a communal fund. Then, when they need to, the payers can take money out of that fund to cover the costs of the emergency.

Insurance is very much a necessity. When thing happen, the costs of making it better can be quite expensive. While most people are not ideally going to need the insurance, having it can be the literal difference between living and dying in a few cases. So many things can happen to a person. A butterfly flaps its wings on one side of the world could cause a hurricane on the other. The rippled effect can affect persons in so many different, unpredictable ways.

Many governments provide affordable healthcare to their citizens. Of course, an individual can obtain personal coverage by paying it for it out of pocket. But a lot of people will get covered by simply getting a job, as healthcare is part of the benefits package many employers will provide to their employees.

The monthly payments can be expensive. They can cost hundreds of dollars for an individual. They can cost just under a thousand dollars for family coverage.

Now, depending on the plan a person is covered by, the portion of the costs shouldered by insurance can vary. Some plans will cover minor surgeries and visits to a doctor, and even a portion of the hospital stay. Some plans may even shoulder the costs of physical therapy, though the quality of that therapy will depend on the premium chosen.

Now, there are choices when it comes to providers. Employees will not have a choice as to which provider their employer uses. But those that do should make sure to find the plan that covers them best for the best amount of money.

Be ready. There is no message quite as true as being prepared. Because things can happen, bad things.




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