The Purpose Of Health Insurance Coverage
There are different reasons why having health insurance coverage is a must
. According to the Institute of Medicine, people who are covered by a health insurance program have a better health status and are able to improve their lives. Families who do not have health insurance coverage have the financial burden of paying medical bills out of pocket; especially with unexpected illnesses or injuries. Medical services can grow to become quite expensive. IOM studies show that an estimated 18,000 people die annually that are uninsured. Many of these people avoid seeking necessary treatment for fear of the costs. It's the lack of regular medical attention that contributes to their deteriorating health.When an individual or a family is covered by a medical insurance plan, they have the opportunity to get timely medical care such as weekly checkups. A covered person also pays much less for drug prescriptions since this is usually covered by their health plan. Some other non-federal health insurance programs even pay for the patients' transportation to their doctor's office or hospital. For many reasons, medical care is just more easily received when a person is covered by health insurance.
Some people assume that having health insurance is a waste of money. That is bad decision however. Accidents, emergencies, and illnesses are impossible to predict. Good health and fitness today do not necessarily mean that your condition will last. Just because you don't need medical treatment currently does not mean that you won't in the future; and it may come abruptly and unexpectedly. This is an especially bad decision when you have a family that you are leaving exposed without protective medical coverage. The more people that you are responsible for, the greater the likelihood that one or more of them will eventually need expensive medical attention. You don't want to be stuck holding the bill. It's better to make the much smaller financial sacrifice to purchase medical coverage than to be stuck with impossible debt.
Health insurance is not all about money. It's not just about the payments you will make to the insurance company or the deductibles from your salary. It's not about how much this health insurance company can cover on your medical needs. It is about yours and your family's health and safety. Health is the biggest wealth a person can hold. No one can exchange one's good health for a price.
The peace of mind that comes from knowing your family will be covered in case of emergency is worth the financial sacrifice. A single doctors' visit can cost you large amounts of money if you don't have insurance. That's in stark contrast to being able to take advantage of regular checkups using your healthcare plan. Medication can be expensive without insurance as well. It's simply more difficult to receive proper care if you aren't insured. Finding the right insurance company is also important. Some companies only cover certain things. If you have specific needs, it's best to ask when talking to an insurance company for clear details on what they will provide you.
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