You see, having a health insurance is necessary for every individual who wants to live healthy. Unfortunately, so many people don’t know about health insurance or have little knowledge on the topic. If that is your case, then I’ll will advise you to read my article on the beginner’s guide to understanding health insurance. There I comprehensively explained the meaning, types, and common terminologies in health insurance. So you should read it so that you can understand this article better.
Reasons To Get A Health Insurance
1. Unforeseen medical emergencies
In life, many unforeseen circumstances and occurrences happen. Sometimes, this unforeseen occurrences could be health related, probably leading to a medical emergency. In fact, the rate of medical emergencies has increased a lot in the past few years. When that happens, many people are usually stranded and confused. However, having a health insurance coverage can help you in such dire situations. Unforeseen medical emergencies are one of the main reasons why you need to get a health insurance now.
2. Affordable medical costs
Contrary to popular belief, having a health insurance means that you get affordable medical treatment. Someone might reason that he might save a few dollars on health insurance, and instead pay for each visit to the doctor themselves and save more money, but is that really true?
Well, this is a financial mistake that most people are making. First, insured medical fees are generally lower than when you personally pay for
them, they can even be up to 10 to 40 percent lower.
Secondly, you can get lower medical expenses when the insurance companies are negotiating for you.
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3. Guarantees you better financial safety
Having a health insurance means you have a good financial planning, especially when you are still young. Rather than spending excessively when a sudden medical issue arises, you can easily use your health insurance company to cover the costs. It will be foolhardy to wait till a health problem arises, and cause you financial issues. Better financial security will be guaranteed with a premium health insurance coverage.
4. Get adequate preventive care
Many governments or health insurance companies offer preventive care in their services. Preventive care
health services usually include:
- Blood pressure screening
- Cholesterol screening
- HIV testing
- Colorectal cancer screening
- Vaccines for hepatitis, herpes,
- influenza, tetanus, measles and
- Depression screening
- Alcohol misuse screening and
Interestingly, most preventive
health services are free
because the federal government makes it mandatory.
These preventive health services will help you learn about health risks on time and ensure that you receive proper treatment before your health deteriorates. Preventive care can also help you learn how
to change an unhealthy lifestyle to a healthy one, so as to avoid health issues in the future. As you can see, the benefits of preventive care are manifold, but if you don’t have a health insurance plan, you can’t benefit in any way.
5. Better health management
A health insurance will guarantee you better health management, in case you have a medical problem. Here is why, many people who do not have health insurance, usually realize that the costs of
drugs and treatment are very expensive. Consequently, they begin to buy cheaper medication, avoid testing or
surgery, which often leads to poor health management. Uninsured patients are less likely to receive the best health management. These might be worse if there is a serious health issue,
or cause a minor health challenge to turn into a much more dangerous one.
SEE ALSO: Health Care Reform: Why are people so Worked up?
6. Better mental health
Yes! A health insurance will grant you peace of mind and better mental well-being. The stress of dealing with a medical issue can be overwhelming, especially if it is a loved one. That’s why you need a good health insurance coverage for you and your family. It will prevent yih from worrying and over thinking about the medical bills.
Conclusively, you need to get a health insurance now, especially when you are young. It will not be wise to wait till you’re 50 and start having lifestyle illness, like cancer before acquiring one. Remember, a healthy will ensure that his health and wellbeing are well cared, and having a health insurance guarantees you that.
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