Critical illness insurance can really be of great help when you are suddenly struck by heart disease, cancer, or any other life-threatening ailment, which is why it is important for you to get this kind of insurance plan while you still can. Unlike your typical health insurance policy, those that cover critical illnesses have very stringent requirements before you can avail of them; so before you go out and talk with your local insurance agent, you need to educate yourself a bit more about this type of insurance plan.
At Blue Cross Blue Shield of North Carolina, you have two choices when it comes to health insurance policies; the Blue Advantage and the Blue Options HSA. These two insurance plans from Blue Cross and Blue Shield both allow you to get the right kind of medical assistance from one of the widest networks of health professionals in the country. But which of the two is better for you?
One of the reasons why some people are hesitant about getting health insurance is because they feel that they are not getting their money’s worth; they are required to pay a high premium every month even if they do not require medical treatment that often. If you are like one of them, then you should take a look at one of the plans that Blue Cross Blue Shield of North Carolina has in store; the Blue Options HSA (health savings account).
With regular insurance, you are charged with a fixed monthly premium, the benefits of which is that when you avail of any medical services, you only need to pay a small amount as co-payment. This would be a great deal if you often visit your primary physician or regularly see a specialist regarding a health condition, but if you only pay a visit to your doctor for annual check ups, then you might be paying too much for a service that you rarely use.
Critical illness insurance is one of the types of insurance policy that everyone should have. This kind of insurance plan provides coverage in case you suffer from a life-threatening and debilitating illness whose treatments will cost a lot of money if you choose to take care of all the medical. In most cases, people who suffered from critical illnesses had to use up their entire life savings and they still end up under a crushing amount of debt.