There are 7 reasons why you shouldn’t be without health insurance. Typically, health insurance shoppers consider premium costs when buying health insurance. But the total cost of a health plan also includes your out-of-pocket expenses which may have a negative impact on your health and well-being.
As important as it is that your health plan monthly premiums are affordable, it’s also important to consider the overall value of health insurance.
So, we gathered seven major reasons why you shouldn’t go without health insurance this year.
1. Bankruptcy
It is no secret that healthcare is pricey.
Published within the Journal of the American Medical Association, there’s a study that claims that Americans are literally saddled with a minimum of $140 billion in outstanding medical debt.
No one plans to have an accident or sickness, but besides the pain and stress these can cause, there is another side to overseeing health conditions that you simply might not think about: the medical expenses. By buying a health insurance policy, you’ll better manage your medical bills without dipping into your savings.
And it’s important to spotlight that medical expenses aren’t limited to only hospitals. the prices for doctor’s consultation, diagnosis tests, medicines and etcetera which are also continually increasing. All of those could put a substantial strain on your finances if you’re not covered within a healthcare plan.
2. Absence of Medical services
The second reason you shouldn’t be without health insurance, is that a doctor can deny you medical treatment. Private doctors have some freedom to deny treatment to patients versus those in Medicare-compliant hospitals, but there are circumstances where even doctors serving Medicare patients may choose to not serve a patient.
In emergency situations, doctors and other healthcare providers must stabilize the patient’s condition no matter the patient’s ability to pay for the treatment or supply proof of health insurance.
But if you’re injured and you’re not in an emergency situation, you will be denied medical services if you don’t have health insurance or can’t prove that you can pay for it.
3. Preventive care
Preventive medicine and quick treatment are the most effective ways to avoid expensive hospital stays. Not having health coverage can keep people from accessing free preventive care.
Preventive care is vital to discovering illness or conditions early before they’ll turn into full-blown critical problems. Catching health issues early can increase the possibility for a successful treatment and lower your healthcare costs for treatment.
4. Free vaccines and preventive medicines
Another important reason you shouldn’t be without health insurance is that those who have health insurance are more likely to work with their doctors regularly for services like annual checkups, flu shots, and routine blood work.
Beyond these, there are lots of other free services that health insurance policies offer without charging you any money, such as aspirin use, HIV screening, HIV prevention medication and PrEPs and a comprehensive list of immunizations. These services are free only if delivered by a doctor or other medical provider within your plan’s network.
5. Save money
Health insurance companies negotiate costs directly with hospitals and other medical service providers. These rates are then included within the healthcare plans offered by the Healthcare company.
Also, many health insurance plans offer free telemedicine. This service allows you to connect with a doctor over the phone or through video chat in non-emergency situations.
Another common offering among health insurance companies are nurse help lines. These hotlines give you access to a nurse without leaving your home. In non-emergency situations, the nurse can answer questions and supply advice on scheduling appointments.
6. Live well
Lifestyle diseases are on the increase. Illnesses like obesity, diabetes, respiratory and heart diseases are prevalent among the older generation. And are now significant in younger people as well.
In addition, another benefit some health insurers offer is care management. This is often helpful if you want support with improving your health. Most health insurance companies offer this within many of their plans to help you with chronic conditions.
7. Mental Health and Peace of Mind
So, as you have seen so far, having health insurance is critical in case of unexpected health problems and preventative care, but also having it can give you “peace of mind.”
Having health insurance can reduce stress levels, one study revealed. It’s not just helpful in the event of an accident or injury, but it can also reduce your anxiety and stress about possible scary events through knowing that you are insured.
It can also provide you with peace of mind in knowing that if a health issue should arise you can use your health insurance to quickly begin proper care to resolve your health problem. Without health insurance, you may have the tendency to stall before gaining the care that you need and jeopardize your health and wellbeing.
You now understand the seven reasons why you shouldn’t go without health insurance. If you want to know more about this, or if you want to talk to someone about your specific situation, click the link below and one of our health insurance experts will be happy to help you.
Don’t shop alone!
Don’t leave your health unprotected! If you have questions or need personalized advice, our team of health insurance experts NavSav Health is ready to assist you. Don’t navigate this journey alone—ensure your well-being by securing the right health insurance plan. Click now to connect with our experts and make informed choices for your family’s health.
