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Health Insurance – Why It IS Important

Having health insurance is important because coverage helps people get timely medical care and improves their lives and health. If you have heart disease or stroke, health insurance can help you. Enrolling in high-quality health insurance also can help you avoid large medical bills that can cause financial hardship and even medical bankruptcy. When we think about the importance of health insurance, our mind often goes to the worst-case scenario. Certainly, insurance is critical in the case of a serious injury or illness.

With health insurance, you can go to the doctor for: preventive services to help you avoid serious illness, care for ongoing health conditions, and treatment for new health issues, such as chronic disease or injury.

When you purchase health insurance, you start benefiting immediately. Even if your plan has a deductible — the out-of-pocket amount you need to pay before your coverage fully kicks in — you will pay significantly less for office visits than you would without insurance, assuming the health care providers you see are within your network.

Uninsured people receive less medical care and less timely care. Overall, uninsured people get about half as much care as the privately insured, as measured in dollars spent on their care—even taking into account free care received from providers. This discrepancy holds true even when spending is adjusted for age, income, health status, and other factors

Health insurance provides financial protection in case you have a serious accident or illness.  A  broken leg can cost up to $7,500. Health insurance coverage can help protect you from high, unexpected costs.

With Marketplace coverage, you’ll get access to preventive services — like shots and screening tests — at no cost to you. Getting recommended preventive services is a key step to good health and well-being.

When you apply for insurance using the Health Insurance Marketplace®, you’ll find out if you qualify for savings that can make insurance less expensive. Bethany will see if you qualify for financial help on a Marketplace plan.

When you purchase health insurance, you start benefiting immediately. If your plan has a deductible, the out-of-pocket amount you need to pay before your coverage fully kicks in, you will pay significantly less for office visits than you would without insurance, assuming the health care providers you see are within your network. Some plans also offer reduced-price generic drugs and free disease management programs. Plus, having health coverage can put you in a better position to prevent or spot difficult — and often costly — illnesses early on.

All plans offered in the Marketplace cover these 10 essential health benefits:

Ambulatory patient services (outpatient care you get without being admitted to a hospital)

Emergency services

Hospitalization (like surgery and overnight stays)

Pregnancy, maternity, and newborn care (both before and after birth)

Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)

Prescription drugs

Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)

Laboratory services

Preventive and wellness services and chronic disease management

Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

For more information, call Bethany Montgomery today at 936-220-2133 or complete a contact form!

 

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