Why is health insurance important?
Health insurance. It may not be the most exciting thing to shop for, but it's one of the most important things that you can buy for yourself. Here are three reasons why. One: It saves you money on health care. Whether it's your annual physical, emergency care, or a prescription medication - health care can get pretty expensive.
For instance, the average cost to treat a broken leg is over five thousand dollars. Having a baby? That's over seven thousand dollars. Health insurance pays a portion of your health care costs. In addition, health insurance companies can get you better rates for services. So you'll never pay the full amount on covered health care costs.
And even if you don't go to the doctor that often, accidents happen, and anyone can get sick. So it's best to be prepared. Two: It helps you stay healthy. Check-ups, screenings, tests, immunizations - all can help prevent serious medical conditions later on. The good news is that all health insurance plans cover certain preventive services at no additional cost when you use an in-network provider.
Some plans even offer free visits to a nutritionist, as well as value-added wellness programs, like reimbursement for gym fees, and discounts on fitness gear and programs that help you lose weight or stop smoking. Three: It's the law. The Affordable Care Act requires most Americans to have health insurance. If you don't get health insurance through an employer, you can buy it directly from a health insurance company. Or you can shop for a plan through the Health Insurance Marketplace. Worried about the cost? Many people qualify for lower monthly costs or help with out-of-pocket expenses.
0 comments:
Post a Comment