Why Do You Need Medical Insurance?
Most people don’t think about health insurance until they need it, and by then, it’s often too late.
Medical bills can quickly spiral out of control, especially if you have a serious illness or injury.
That’s why it’s important to have health insurance, even if you’re young and healthy.
Health insurance is a way to manage your health care costs. It helps you pay for the care you need, when you need it and offers many other important benefits, including:
Provision of Essential Health Benefits
Health insurance can help you cover the costs of essential health benefits. These benefits are critical to maintaining your health and treating illness and accidents. Some of the essential health benefits that health insurance covers include preventive care, doctor visits, hospital stays, and prescription drugs.
Protection From High Medical Costs
Health insurance protects you from unexpected, high medical costs. If you have health insurance, you will pay less for healthcare services when you go to see a doctor or hospital. This is because your health insurance company has a contract with the doctor or hospital to provide health care services at a discounted price.
More Affordability Overall
Most health insurance plans have a deductible, which is the amount of money you have to pay out-of-pocket before your health insurance company starts to pay for your health care services. However, if you have health insurance and you go see a doctor or hospital that is in your health insurance company’s network, you will usually pay less for health care services, even before you meet your deductible. This is because health insurance companies have negotiated lower prices with doctors and hospitals in their network.
When you don’t have health insurance, you are responsible for the entire cost of your medical care. This can be very expensive, especially if you need major medical care or treatment for a chronic illness. If you have health insurance, you only have to pay a portion of the cost. This can save you a lot of money.
Free Preventative Care
Most health insurance plans offer free preventive care services. This means that you can get health care services like vaccines, screenings, and check-ups at no cost. This is a great way to stay healthy and avoid costly health problems in the future.
Should You Work with a Health Insurance Broker?
When it comes to health insurance, working with a health insurance broker is the best way to find the right policy for you. Brokers work closely with clients to research their needs, then recommend the best options – from both a coverage and price standpoint. They know their market, so they can offer you a wider range of policies and prices from multiple insurance companies.
For businesses, a health insurance broker can help you develop a benefits strategy to attract and retain staff. And once you’ve purchased a policy, your broker will continue to provide regular service work, such as resolving claims and keeping you up-to-date on policy changes.
An insurance broker’s job doesn’t end when you buy a policy. They continue to provide regular service work for clients, such as resolving claims, letting you know about those policy changes and newer options, and providing helpful advice. This is especially important for businesses, which need a health insurance broker to develop a benefits strategy that attracts and retains employees.
If you are looking for health insurance, a broker like Torgersen Causey can help! We offer the experience, reputation, and support that individuals, families, small businesses, and those who are self-employed need. Most people do not know that these off-exchange plans are even available and in many cases cheaper and a better option than going to the Marketplace.
Contact us today to learn more about your health insurance options!