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No one expects to become ill or injured, but the majority of individuals will require medical attention at some point. These charges are covered by health insurance, which shields you from extremely expensive prices.

Health Insurance Explained

A contract between you and your insurance company governs your health insurance. When you purchase a plan, the firm agrees to pay a portion of your medical expenses if you become ill or injured.

Preventive care, such as immunizations, screenings, and check-ups, are also major benefits of health insurance. They also pay for some prescription drug expenditures. Having health insurance can also help you find a medical professional who will take the time to get to know you and your specific medical needs.

Avoid High and Unexpected Medical Costs

Did you realize that a three-day hospital visit costs almost $30,000? Or that a broken limb can set you back up to $7,500? Having health insurance will help protect you from such significant and unexpected bills.

Yes, you need Health Insurance. It is recommended everyone has some form of coverage to help protect them from unexpected medical costs.

Do I Need Health Insurance?

Understanding Health Insurance Terms

You pay some costs and your insurance plan pays others when you have insurance:

  • Premium: A premium is a set sum that you pay to your insurance plan on a regular basis, usually once a month. Even if you do not use medical treatment that month, you must pay this fee.

  • Deductible: A deductible is an amount you pay for medical care before your insurance company begins to pay its share. Once you’ve met your deductible, your insurance company will begin to pay for some of your medical expenses. Lower deductibles, such as $250, are available in some plans. Some have larger deductibles, like $2,000, while others have none. Before you’ve paid your deductible, many plans include preventative services and, in some cases, extra care.

  • Co-pay: A co-pay is a predetermined sum that you will pay for a medical service. A visit to the doctor, for example, could cost $150 if you didn’t have insurance. With health insurance, you may just have to pay $25 and the rest will be covered by the plan.

  • Co-insurance: Co-insurance is similar to a co-pay, except it is based on a percentage of the costs you incur. For example, you may be able to pay 20% of a $200 medical expense. So you’d pay $40 and your health insurance would cover the rest.

  • Out-of-pocket maximum: This is the total amount you will have to pay if you get sick. For example, if your plan has a $3,000 out-of-pocket maximum, once you pay $3,000 in deductibles, coinsurance, and co-pays the plan will pay for any covered care above that amount for the rest of the year.

 

These expenses are incurred by people who do not have health insurance. People without insurance are occasionally forced into considerable debt or even bankruptcy as a result of this.

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Open Enrollment ends on Saturday, January 15, 2022

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