Paramedics attend people who are in need of medical help every day, but what happens when a paramedic needs help? Paramedics are generally the last people on earth to ask for help, especially when they are sick or injured. Unfortunately, due to the lifestyle that often goes with the job, paramedics often have poor health and are more likely to have a traumatic injury than those who work regular office jobs. It is for this reason, that paramedics should have health insurance, and preferably, this health insurance should be provided cheap through a ambulance service subsidised fund, or in full through the paramedic’s ambulance service’s employment conditions.
Many Ambulance Services in Australia have recognised this fact, and have elected to provide group discounts to paramedics wishing to gain access to cheap health insurance.
In the US, most Private Ambulance Services offer private health insurance as part of their employment package.
Why get health insurance?
If you are young and fit and healthy, you may be asking why you should get health insurance. The reality is, you don’t know when something will happen and you need good health insurance. I broke my ankle when I was 21 and, although a public hospital could repair it, the damage was severe, and the rehabilitation phase took many months, and involved many hours with physiotherapists, and hydrotherapy. As a result, the cost of the entire process was about $4,000. In Australia, if you earn more than $80,000 and don’t have private health insurance, you have to pay a 1% excess on your medicare, which basically means, it costs the same to pay for private health insurance.
Some of the benefits of private health insurance, include being able to actually pick your doctors, as opposed to being handed the intern of the day to perform your operation, better hospital services, more comfortable hospital conditions, subsidised life-style choices, such as covered dental, physiotherapy, chiropractic, remedial massage, etc.