Friday, June 29, 2018

Being Prepared For The Worst With Insurance

By Scott Lewis


Control. Human beings believe that they are able to exert over the natural world. To a certain extent, they are right. If they could exert that control, they never would have been able to build cities. If they had simply accepted the world as it was, then human society would still be wandering the earth and hunting mammoths or whatever animals would have evolved to replace the mammoth. But control can also be an illusion and then life can just happen, it comes fast. For when it does, it pays to have 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, being insured means that some or all of the costs are paid for. But how much is paid for can vary depending on the payments made and preexisting conditions. This can also vary from company to company, and by jurisdiction.

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.

It costs ready to be ready. But being ready for disaster is needed. In the event that disaster strikes, being insured can be a godsend.




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