Why Is It Important to Have Health Coverage, Even When You’re Healthy?

Yes, we know that a lot of people refuse to even think about paying for health insurance every month when they’re perfectly healthy, but you know what? Health insurance is much more than just paying large amounts of money for nothing. There are numerous benefits you should be familiar with, so keep on reading to find out what we’re talking about. Here is how we feel about the importance of having health coverage even when you’re healthy, so check it out!

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Medical emergencies happen unexpectedly – and they are expensive

Needless to say, medical emergencies are called that simply because they happen unexpectedly, usually without any warning, which is why you should have health coverage even if you’re perfectly healthy at the moment. Of course, health insurance isn’t always cheap, but you know what? Skipping out on it isn’t the best solution as unexpected accidents and illnesses happen more often than you can even imagine. Besides that, you must also know that medical emergencies can be extremely expensive – especially when you don’t have insurance, so take your time to think it through, and you’ll realize that health insurance should be your top priority.  

This is particularly true for those people who live extremely hectic lives and don’t make it a priority to find time to relax and unwind, as well as for those who travel a lot and love taking part in various sports and extreme activities. If you belong to either of these groups, make sure to take all options into consideration and find health insurance that perfectly fits your needs, preferences, and lifestyle in general. 

All plans come with free services that keep you healthy.

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Most health insurance plans actually come with free services that are meant to keep you healthy? That’s right, which is another amazing reason for considering health insurance right away! So, if you’re feeling great and healthy at the moment and you want it to stay like that, you should definitely opt for health coverage that includes services such as immunizations, cancer screenings, regular physicals, and many more free services. Apart from keeping you healthy, the main purpose of these services is to catch certain medical conditions before they get serious, which is extremely important as you’re getting older. In fact, it’s called preventive care, and the good news is that all health plans come with free preventive care. 

This is true for both expensive plans and more affordable ones, which means that you can get all of these services, even with the most affordable health insurance. Besides the aforementioned ones, there are also vaccines, annual physicals, and gynecologic visits for women (including a Pap smear test), as well as cholesterol and blood pressure screenings. This is just one part of free services offered within a health insurance plan, so do the math and find one that suits your needs in the best possible way. You can also opt for health insurance comparison online and choose an insurance policy within your budget, so don’t wait any longer and get it done right now!

Importance of Having Health Coverage, Without it you may have trouble getting follow-up care

If you still aren’t persuaded, and you think that health insurance is absolutely unnecessary, you must know that without it, you’re highly likely to have trouble getting follow-up care. Yes, you heard us well! Even though all hospital emergency departments usually take care of patients with urgent needs, such as head injuries, broken bones, and other types of trauma from an accident, regardless of their ability to pay for it, the situation gets drastically different when it comes to follow-up care. In the majority of cases, follow-up care requires large amounts of money (thousands or even tens of thousands of dollars). 

If you don’t have health insurance, you’ll have to provide all that money by yourself, which is an impossible mission for a large number of people – especially at such short notice. On the other hand, if you have health insurance, your insurance company will take care of all expenses and make sure that you have proper follow-up care, rehab care, or any other health service that can help you recover in the best possible way. If that doesn’t convince you to get health insurance, we don’t know what will!

What plan may fit your needs?

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Even though many people claim that health insurance is a luxury, we disagree with that claim because we firmly believe that it’s a necessity that can improve everyone’s quality of life. Of course, before you decide what kind of policy you want to go for, you should take many different factors into consideration. This will help you pick the right plan that corresponds to your needs and lifestyle. The most important factor you should bear in mind is your overall health, so take notes recording all the important information. As your insurance needs to be based on your degree of risk, you should also note if you love to engage in some extreme sports and similar activities. 

If the answer is yes, that’ll significantly change your insurance needs. Besides that, you should also write down how often you see your doctor, so that you can gain some insight into your annual health care needs. Be sure to note every office visit, prescription drug, and lab work that took place over the last year. Pay extra attention to your coverage needs. Even though we can all agree that cheaper health plans often catch many people’s attention, these aren’t always the best possible choice as they don’t offer as much value for money as other plans. Just think everything through, and you’ll find the best solution!

Types of health insurance plans?

When it comes to the types of health insurance plans, things often get quite complex due to minor differences that actually make a huge difference in the end. However, there are several main types you should know about, and the first one is called a traditional plan. It’s also known as a fee-for-service plan, and it means that you should pay medical expenses out of your pocket, have a deductible, and then receive around 80% coverage on the rest of your medical bills. There are also high-deductible insurance plans that won’t let you face bankruptcy due to medical bills. 

The system is the following: you should pay for the cost of your medical care until you satisfy the deductible (which is usually quite large), and the insurance plan will then step in and pick up the rest of the bills. Even though paying $5,000 in medical bills is still a lot, it’s nothing compared to $50,000. Managed care insurance plans are also an option, and they only work with providers in a closed network. Choose a plan according to your insurance needs, and you’ll do a great job!

As you can see, the importance of having health coverage even when you’re healthy has so many amazing benefits, which is why you should take it into consideration. So, if you don’t have health insurance yet, just stick to our tips and guidelines and start looking for a perfect one. Trust us when we say that it’ll pay off in the end!