Benefits of Having Health Insurance

Benefits of Having Health Insurance


Insurance is an interesting concept that most Americans understand. We all have car insurance and homeowners. I hope you do not need them. If it means something bad happens. The same idea applies for health insurance. Most people who are healthy do not think they need health insurance because they do not go to the doctor. Insurance is not for what we know will happen. But for those things that we do not know.

Even if you feel healthy, everyone should go to the doctor for a physical. If you have health insurance, you will receive a free annual check. The doctor will do blood tests and check to make sure that your cholesterol and blood sugar in good shape. These tests can detect a problem long before you even know they exist. If you find that everything is in time that may be able to treat them before they become life threatening.

New medical services can come with waiting periods for pre-existing conditions. If you do not have right now does not mean that you will not have any in the future, if you have continuous coverage before the new plan, you will not have to worry about that period. For reasons that are waiting for the least expensive plan available, such as health insurance, short-term plans to reduce the gap in your area, you can save a lot of money to claim in the future. Health insurance allows you to pre-existing condition waiting period.

Also, if you have the coverage you will receive a discounted rate, which provides the insurance company has negotiated rates for doctors and hospitals. If you do not have the coverage will be charged more for the service you would get if you do not have coverage. Even if your plan will cover the cost of the insurance deductible and you will be able to get a discounted rate for your money. If you do not have coverage you can expect to be charged more money.

People do not realize how expensive medical care. Doctor may be a few hundred dollars. But if someone wants something specific and rare such as anti-venom for the bite of venomous snakes are, you can come up with $ 25,000 billing, regardless of the cost if you run on it. path and have been bitten by a poisonous snake venom that has been protected. This is what you do not have the budget. But you have no insurance or do not have to worry about this