Free Health Insurance Quotes Online: Do you have health insurance? No? Would you like to get free health insurance quotes online? If so, all you have to do is hop online and use a search engine to find the very best quotes around. All it takes is a click of the button, no pressure, no cost. Just a simple little click.
Health insurance is important to us all. It saves us from those really high medical bills that tend to end up on our credit report when we do not pay them. Let’s face it, many people are still struggling when it comes to their financial status because they just cannot seem to dig themselves out of the hole that the recent recession put many of us in. Therefore, affording health insurance at the moment seems to be a big joke. But it doesn’t have to be. There are many health insurance companies that know you are struggling. They have been affected by the recession as well. Therefore they know that you have as well. Thus, they are willing to work with you to find the very best possible policy that is affordable and doable for you and your family.
If you are having trouble finding health insurance for yourself and your family, all you have to do is go online to find a health insurance company that can help you. You can get a free quote. Always keep in mind that you should never have to pay for a quote. If you come to a website that is asking for any amount for a quote, you probably want to look up some other health insurance websites.
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Of course, one great thing about getting a quote online is that it is free, but another great thing is that it very quick too. You don’t have to add in a lot of information and you don’t have to talk a lot about your past health and things of that nature. All you have to do is give a minimal amount of information — your name, your date of birth, etc. Getting a health insurance quote should be fast, it should be simple and of course, it should be free. You can find all of those things just by looking online.
You can always acquire a variety of quotes to compare online. You don’t want to just settle when something better can be just around the corner so keep a look out for the best rate by shopping around. The internet definitely makes shopping around quick and easy to do.
Everyone should have some sort of health insurance; it could save a lot of money in the end.
My family is a good example of a medical hazard that erupted in no time at all. It began with our 30-something year old son having a tanned spot on his nose. He’s in his 30s, okay, no big deal, a good-sized freckle. That’s what we all thought, and that’s what his doctor told him. His doctor just shrugged about it. Well, that freckle got to where you could see it across the room. That’s the first thing you saw when you faced out son – that huge freckle on his nose. As time passed, that freckled spread and got larger.
At the insistence of his mother and me, he finally went in to have it biopsied. He didn’t have medical insurance, none at all. I mean no medical coverage whatsoever. He had just begun his own start-up company, him being the sole proprietor, so he didn’t qualify for a small business health insurance policy. He looked into getting a health insurance policy on just himself, but told himself that he couldn’t afford it. Well, we ended up paying for the biopsy. This was our son, and we would do as much for him as we possibly could.
Weren’t we happy when the biopsy came back benign, no cancer, our son was going to be okay. When they performed the biopsy, they scraped a good deal of the brown spot off, but some of it remained. We thought we had gotten our money’s worth because the biopsy was benign. But that little bit of freckle that remained on his nose began to get large again. It grew and grew in no time at all. Again, when you saw him across the room, the first thing you noticed was that large brown freckle on his nose. All this happened in a matter of months. It just kept growing. He talked to us and kept telling us that the biopsy was benign; there was nothing to worry about. We indeed did worry, and the larger the freckle became the more and more we worried.
If you have a grown child, you know how intrusive they think you can be at times. They are adults and they know that is best for them. Well, in this case we wouldn’t let it rest. In fact, we made another appointment with a dermatologist on our own. We then told her son what we had done and had to tell him that he went to that doctor’s appointment, or . . . We made all sorts of dire statements, I mean really dire. Threats, in fact. But he got the point – we loved him, and we wanted a good long life for him. In my gut and in my wife’s gut, we just knew there was more to that “freckle” than it just being a freckle.
Well, another biopsy, finally. The results this time were not benign but positive for Stage 2 Melanoma. I can’t begin to explain the fear we felt, the horror. Melanoma. What in the world were we going to do? No insurance and he was faced with melanoma. We could just imagine all the medical bills, surgeries, radiation, hospitalizations – everything that a person goes through when they’ve received the dreaded diagnosis of cancer. He’s only in his late 30s. How could this happen?
Who really cared how it happened. It happened, and now he had to get help as fast as he could. No insurance, no insurance, that kept running through my mind, no insurance, no insurance. If we had ever dreamed this was going to happen, we would have helped him financially to find a health insurance policy that between his income and our contribution he could have afforded. I never thought about getting online and searching for insurance for my son. That’s what I should have done instead of letting him race through what looked like was now going to be a short life. Bankruptcy, financial disaster, none of those things entered our minds. We just wanted to get the help needed for our son and see him live to be as old as possible. But I could have just gone online and gotten a quote for him. Why didn’t I? I never thought about it. He might be too young and naive to understand the importance of having good medical health coverage, but my wife and I were plenty old enough.
The next step was to find a doctor that would treat our son, our son who had no insurance. So we began our journey into the labyrinth of searching for a doctor that would treat him. Because he had no health insurance, that was not easy. Several doctors told us no immediately. In fact, one person told us that it was difficult to find a doctor who would treat someone who didn’t have health coverage simply because of the fact that these doctors had treated prior patients and those prior patients tended to be the ones who sued.
One of those doctors who rejected our son for treatment told us that the only hope we had of getting help for our son was to go to a large medical center. Well, then we did get online in our search for a medical facility that had the know-how, modern technology and the wherewithal to treat our son for his Stage 2 melanoma even though he did not have insurance.
And we hit a brick wall again, with all but one. This medical facility told us that they would begin immediate treatment of our son, but he had to file for state aid immediately, which he did.
Filling out all the paperwork was a nightmare, but it got done. In the meantime, the medical facility did the first of three surgeries on our son’s nose, all the while waiting for the state aid to kick in. This was an unbelievably wonderful medical facility in that they took the risk of treating our son before that state aid kicked in. But, I know deep down they knew that if the state aid did not come through, our son would be responsible for the medical care that he received from them. We didn’t care. At least someone was treating him. The other doctors had just sent him home to die.
They did the surgeries in stages. The first stage was to determine how deep the melanoma had penetrated the skin. The first biopsies were good, to us. Yes, it was melanoma but it hadn’t gone deep. It had spread across his nose into this huge brown spot, rather than sinking down into the tissue where it could gain speed and spread to the lymph nodes. A lot of skin was removed from our son’s nose during that surgery, but at least he was going to live, we hoped.
The second surgery was done, and more and more tissue was removed and biopsied as they went along. No lymph node involvement, and, yes, he did have Stage 2 Melanoma, but we think it has been caught in time.
After all the surgeries, our son’s nose is misshaped, and it is obvious when you see him. No, there will not be any plastic surgeries to make him look the way he once did. None of us have the money. We, and he, are content for him to live the way he is now because he is alive, the cancer had not spread and he has a chance to live a full life.
This story could have ended so much more badly than it did. Who cares about a nose that isn’t perfect? I told him to get a T-shirt made up that had an arrow on it that pointed up to his face and below the arrow would be words that said “I Survived Melanoma.” No, he didn’t go for the idea. But if the disfigured nose ever bothers him, I hope he would think about it. He could be a walking adult poster for the dangers of melanoma. He could reach out and tell people to go in for an annual skin checkup. No matter how young you are, melanoma can strike. Use your sun screen, stay out of the sun as much as possible, wear a hat. A little sun each day gives you your Vitamin D, but you don’t have to bathe in that sunlight. No tanning beds, until the true dangers are identified. So many ways we can possibly prevent this disease.
But the point of this story is to tell you how very important it is to have medical coverage. A person can no longer be without health insurance. It might not cover everything, but you have to have health insurance of some kind.
Keep checking until you find a policy that you can afford. If you have adult children walking around with no health coverage, get online and get a quote to find out what you can do to find a policy that they can afford. The policies are out there.
Don’t go through what we went through. I can’t begin to tell you the fear we felt, utterly horrible. It ate us up, kept us awake at night, made us so frustrated that we felt like only the rich could afford to take care of themselves in a medical emergency. But the more I’ve looked into it, the more I’ve found that just about anyone with a job can afford some form of health insurance. Make it a priority, just like meeting the mortgage. You have to pay your mortgage, you have to pay your car payment, you have to pay for your car insurance. Well, make it one of your “have to” pay bills. You have to, simply have to, pay for that medical insurance coverage.
Good luck. Find a good health insurance policy. Just ask for a quote. They will be able to help you.