In the United States, 790,000 heart attacks occur every year, one every 40 seconds, making heart disease account for 23% of annual deaths. Likewise, the main cause of death is heart disease, which belongs to the category of critical illnesses, so it is obvious that anyone could suffer from them, and it is important to be protected against this possibility.
Critical diseases are illnesses that can cause death or that, if survived by the individual, may affect his or her ability to lead a normal life and generate income, or that have a significant impact on his or her quality of life.
In addition, these diseases are often categorized by insurance companies to provide coverage that protects clients from these conditions. It is important to mention that each company may consider different diseases within this category, however, most of them are present on each insurer’s lists.
We tend to confuse critical, chronic, and terminal diseases, because we often think they mean the same thing, but believing this is a mistake:
– Chronic disease: A condition that lasts for 3 or more months and may get worse over time. This type of disease can be treated but cannot be cured. For example:
– Terminal disease: A terminal disease is one that has no cure, or that has developed in a way that it can no longer be cured. Also, the medical staff attending the patient have the expectation that the patient will die within the next 12 months.
One of the great consequences of these diseases is seen in the economic sphere since medical treatments or procedures for these illnesses are often very expensive. 33% of families spend all their savings on a serious illness, leaving families not only with a health problem, but also with an economic problem. Moreover, for many of these diseases, a large part of the necessary expenses are not direct medical expenses, so the cost to the patient’s well-being increases.
Similarly, critical diseases can lead to consequences consisting of health conditions that affect the quality of life of patients, and even pose a lifetime risk. 66.9% of cancer victims between 2008-2014 lived only 5 years more.
Critical illnesses can be several according to the criteria of different insurance companies, however, these are some of the most common diseases on insurance companies’ lists:
Carol Marley is a Texas resident with a family consisting of her husband, daughter, and father, who suffers from dementia.
Carol works as a nurse caring for patients with various diseases or conditions, including cancer. This work helped her save money to fulfill her dream of buying an RV and traveling the country with her husband, until her dream was ruined when she was diagnosed with pancreatic cancer.
After her diagnosis, Carol started her treatment, which consisted of chemotherapy, which drained her emotionally. However, her main concern was not even the surgeries, the medical tests, the doctor’s visits, not even dying; her main concern was dealing with the series of medical bills and dealing with the American health care system. Curiously, cancer patients are 2.64 times more likely to go bankrupt than people who do not have cancer.
Her numerous medical bills, along with mistakes on behalf of her insurance company, caused a lot of stress for her, despite having excellent private health insurance provided by her employer. Similarly, she often found herself desperate because she didn’t understand her bills, even as a health worker.
As we mentioned earlier, the health care system and the process of insurance companies are both hard to understand even for people working in this industry, so it’s important to have not only an insurance agent, but also an advisor, like Blanca.
Blanca, advisor and agent expert in health and life insurance, can help you understand the whole process you need to carry out to be able to pay your medical bills, and prevent this from causing you any stress that will join the stress that having a critical illness could cause you. She has done this with many of her clients, such as Billy: “I was recommended to use her service. I’m happy that I did call and visited her. For insurance. I saw that if I were to have done it all on my own. I would have made a mistake and probably been miserable. With Blanca the experience was excellent and very friendly. I would always feel comfortable to ask her questions then and now if I needed any more assistance. I deeply valued her service. Would always go back to Blanca for insurance needs.” Read more reviews here: https://bit.ly/BYBSReviews
It is well known that critical illnesses are very expensive, and most people are unable to cover their overwhelming medical bills without help from insurance companies.
Critical illness insurance has different plans to pay monthly premiums. These payments ensure that in the unfortunate event of an illness of this type, for you or your family members, the insurance will give you a specific amount of money directed towards your treatment and medical expenses, so that, during this time, you can concentrate on recovering and put aside the financial complications.
It’s important to check with your insurance company to find out about monthly premium plans and how much they can pay you in the event of a critical illness.
Blanca Your Best Solution offers an incredible opportunity with Critical Disease Insurance, which, in addition to receiving help with your medical expenses, also gives you access to a percentage of your death benefit depending on the critical illness you have:
– 100% of the benefit of death:
-25% of the death benefit:
-10% of the death benefit:
It’s always a good idea to be protected from circumstances we may not see coming, and it’s important to remember that critical disease diagnoses can happen at any time. If you are interested in learning about the options and coverages you have access to, don’t hesitate to #CallBlanca Now! https://bit.ly/CallBlancaWA and schedule a free orientation to solve all your questions.
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