Why We Need Health Insurance

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Why We Need Health Insurance

Most of the people are questioning why they need health insurance coverage? Especially those who are healthy or young. Health insurance is a service that you should pay for health needs. It is really helpful for the unexpected, unpredictable and basically uncontrollable problems that come up in people’s life.
Most consumers can’t pay for the coverage or have been excluding from the marketplace because they have pre-existing medical conditions, even though they want and value health insurance. Here are things you should know why we need health insurance.


Why We Need Health Insurance

  1. 1. Risk financial ruin

One of the reason why we need health insurance is it can risk financial ruin. You may be healthy, you will never know the onset of a traumatic event, a sudden or serious illness happen, such as diabetes, car crash, cancer, ski accident, appendicitis. It can leave you with surprising medical bills. The insufficiency to pay high medical bills, it might ruin your credit history and become one of the most common reasons people form for personal bankruptcy.

  1. 2. You may have trouble getting follow-up care

In health insurance, you need to get back full function as much as possible is going to claim coverage or a fair amount of money, if you have the ability to get necessary rehab care, follow-up care or whatever service. The hospital emergency departments usually care the urgent needs firstly, such as head injuries, broken bones or in case of their ability to pay.

  1. 3. You won’t have access to primary care and preventive care

The law of health insurance requires insurers to cover preventive care and checkups annually without a copay, such as vaccinations, prostate cancer screening, mammograms, and colonoscopies. It means you’re likely to catch health problems early and need to stay healthy, when health insurance lawless expensive and easier to treat.
Policies should also afford a minimum standard of care, there 10 categories of essential health benefits: ambulatory or outpatient care services, hospitalization, emergency care, preventive and wellness services, maternity and newborn care, prescription drugs and habilitative and rehabilitative services (it can be specialized medical equipment and therapies to help long-term disabilities), pediatric care, mental health and substance use disorder services.
This kind of health insurance coverage is very important for young people and healthy. They have a need for preventive care, chronic disease management and checkups.
That’s the reason why we need health insurance, hope this article will help you out.

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