Living in Los Angeles, California has many perk most cities will never get to experience. You can go snowboarding for the first half of the day and travel an hour, or two, to the beach to surf until dusk. California is home to a list of cool events and situations, however, it still has millions of people going without health insurance. This turns these cool outdoor trips into risky situations thousands have to deal with.
However, this doesn’t need to be a worry in your head as long as you have health insurance on your side. As a matter of fact, people with health insurance have a much higher chance of survival because they also happen to have a usual source of care. Understandably, not everyone can afford the high costs of health insurance. Fortunately, there are healthcare providers offering prices as low as 150 dollars. You will be able to pay an affordable price for coverage and not have to worry about the dangers of being uninsured.
Even within Los Angeles there are various disparities; such as life expectancy. Depending on where you live you can live longer or shorter than the nationwide average of life. For instance, in Watts, you have a life expectancy of around 73 years of age, while people who live in Bel-air, Brentwood or the Pacific Palisades have a life expectancy around 84.7 years of age. Nonetheless, the leading cause of death for all major cities within the Los Angeles county is still heart disease.
Heart disease can develop for a variety of reasons, age, genetics, and lifestyle choices. It also excompasses a list of diseases; coronary heart disease, arrhythmia, and congenital heart defects. The most common form is coronary heart disease. It’s actually the number one killer in all five of the major cities in Los Angeles county. This can be attributed to smoking, which 15 percent of the state currently partakes in.
Surviving heart disease is possible; the amount of people who has passed because of this disease has actually gone down over the years. Nonetheless, the cost of recovery is still more than what most people can afford. The average cost of rehabilitation from coronary heart bypass surgery averages around 47,000 dollars. However, the range can be in-between 7,000 dollars and 100,000 dollars.
Taking into account, 50 percent of the uninsured population makes less than 200 percent of the federal poverty level—which, currently sits around 24,000 dollars—this would be nearly impossible for many people to pay off. Even within California’s population, there is a large population making less than 200 percent of the federal poverty level. Despite all of this, health insurance will greatly benefit your life were you in this position. It’s actually been reported people with health insurance pay as little as an estimated 3,000 dollars to nothing at all.
People who choose to go uninsured don’t see the full benefits health insurance offers. Within California, 9 percent of the uninsured population say they don’t need this service. However, 72 percent of the uninsured delayed care because of the high costs. This can be the difference between a change in diet for your coronary heart disease and the need for a coronary bypass surgery.
People with health insurance actually have a much higher chance to have a usual source of care, thus a higher chance of survival from this traumatic disease. Additionally, health insurance will be able to reduce your costs by 60 percent, maybe even 90 percent. However, this depends on the type of “metal” you choose. Bronze, silver, gold and platinum will be your available options. However, the more “glamorous” the “metal” you pick the more you’ll pay in monthly premiums, but less in out-of-pocket spending.
For instance, bronze packages are for people with little medical needs and are only planning for the worst-case scenario. You’ll have 60 percent of your bill covered at a monthly premium around 388 dollars. Granted, there are people who will want a bigger assistance rate, which is why there are three other options for you to choose from.
Silver plans are next in line, costing an estimated 428 dollars to have 70 percent of your bill covered. Gold packages will help you with 80 percent of the total medical bill, but at an estimated monthly premium of 507 dollars. Finally, platinum services are for those with heavy medical needs, frequently pick-up expensive medication or commonly see the ER doctor. You’ll have up to 90 percent of your medical bill covered, but at an estimated monthly premium of 583 dollars.
Altogether, health insurance is capable of reducing the bill by more than half. You know your body and lifestyle, so you’ll be able to pick the perfect healthcare provider for yourself. You also won’t have to delay a visit to the doctor because you’ll be able to afford the costs of treatment now you’re covered. Having even a bronze plan will drop your coronary heart bypass to an estimated 18,800 dollars. Although, a platinum plan is guaranteed to drop it to a measly 4,700 dollars.
Health insurance has evolved over the years. It’s become a staple in our society for handling medical costs. After all, the costs for medical services is so astronomically high most people can’t afford treatment. This will change when you are partnered with a health insurance company looking out for your best interest. Insurance Line One doesn’t just offer services as low as 150 dollars, but they’ve also carefully cataloged their list of services in an easily-readable format to ensure complete understanding.
You don’t want to rush into a policy only to find out it’s costing you thousands of dollars more than you anticipated. It’s one of the reasons why we have a year-round open enrollment program. You’ll be able to take as much time as you need to decide on a package perfectly structured for you. Don’t be one of thousands who thinks they can live a careful life without the aid of health insurance. You will be risking your financial and physical safety going uninsured.
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