What Is Health Insurance And Why Is It Important For You?
You must have heard people discussing health insurance all the time. But you do not understand much about it and why it is so important to everyone. It is totally okay, do not feel left out because understanding it can be a pretty confusing subject.
Thankfully, like all other things, you can easily learn everything about health insurance and how beneficial it is to get health insurance in Orlando from Our Primary Doc, which is the best health care service provider in Orlando.
So, let’s look at a few questions first. What is health insurance? How does it work? Why is it important? And can you afford it or not?
What Is Health Insurance?
In simple words, health insurance is a great way of covering your medical bills and health care expenses. Many people can’t pay for their health care on their own and just place it under debit or credit card.
Whereas, health insurance makes it easy to pay your health care bills, and helps you to receive the care you need.
Additionally, there are various different types of health insurance plans available. Some plans are offered by the government and some by private organizations, such as Our Primary Doc. For instance, you must have heard of Medicare and Medicaid, an insurance run by the government:
Medicare– This particular health insurance for people aged 65 and over, and some people under age 65 with a disability.
Medicaid– This health insurance is for people with a low income.
There are also numerous private health insurance plans. Most people get private health insurance from whom they work with, and self-employed people usually buy private health insurance. Because with private health insurance plans, you generally pay the company a monthly payment, whereas there is no such thing as a monthly payment with government-run health insurance. That’s the reason, why private health insurance is said to be better than government ones.
How Does Health Insurance Work?
If you have health insurance, then first your medical bills go to your health insurance plan. And as per the plan’s details, some or the whole amount of bill will be paid by them.
We can say that health insurance is like car insurance. If your car is damaged in an accident and needs a lot of work to repair or to be replaced completely with a new car, then the car insurance handles some or all of the cost. And that is quite beneficial, as the cost of repairing or replacing the car can cost more than you have in your bank account.
Though, unlike car insurance, health insurance handles more than just the cost of a bad accident. Health insurance usually covers stuff like annual checkups, preventive health, vaccinations, and other regular maintenance for your body as well as your mind.
Why Health Insurance Is Important?
Mainly, there are two reasons to have health insurance:
Health Insurance as a Safety Net
It’s crucial to have health insurance as a safety net. If you suddenly get sick or injured, then health insurance will be there to help cover expenses that you might not afford to pay for by yourself.
Health care can be pretty costly. It can be a major financial burden. Surgeries, emergency care, medication, scans, and other medical examination costs can easily add up to a big amount. Not to mention, they can even be big enough for people to go bankrupt, or to turn down the required care that they can’t afford all by themselves.
On the other hand, with health insurance, you won’t face these expenses on your own because there will be an insurance plan helping you in paying the costs and helping you go through the confusion of medical billing.
Besides, you wouldn’t want to be dealing with medical bills while ill, injured, or lying on the hospital bed.
Preventing Illness
The other major reason why it is crucial to have health insurance is that it ensures that you don’t get sick in the first place.
Health insurance makes it simple for you to access routine and preventive health care. Such as:
- Annual checkups
- Vaccinations (flu shots, etc.)
- Blood tests and lab work
- Scans and screenings
These things play an important role in keeping you healthy and diagnosing any disease you have as soon as possible.
Additionally, health insurance helps cover the expenses of handling any kind of chronic condition you may have, like diabetes, heart disease, or even depression. Health insurers usually provide you with disease management programs for these types of conditions. They can also refer you to specialists and other resources that could be helpful for you. Which makes you remain on top of everything and stay healthy.
Can I Afford Health Insurance?
To get a private health insurance plan, you usually have to pay a monthly premium. The possibility of affording health insurance is much more than afford to pay for a surgery, or emergency room visit from your own pocket. Private health insurance organizations offer a varied range of plans with various premiums in order to get different income levels.
Lastly, even if you don’t get to use your own health insurance advantages, then your premiums transfer to the benefits and health care of other people on your plan. And, when you get sick and need help with paying your medical bills, the others on your plan can help you in the same way. So, get your health insurance plan today from Our Primary Doc, which provides the best health care services in Orlando.
About Author
