Life is downright unpredictable. What might happen next is uncertain, so it’s important to be covered for any possible medical situation. You don’t want to have a medical emergency wherein you only find yourself unable to pay for treatment because you aren’t covered. We are aware of how saddening it is to be in that situation so here are some good reasons why having good health insurance is necessary.
You Can See a Doctor if you Get Sick
When you become ill, you want to be able to see a doctor in order to get diagnosed and treated. You might even need to see multiple doctors, which your health insurance will cover. However, many medical facilities won’t even make an appointment with you if you don’t have health insurance. Those doctors that will see you without health insurance are often overcrowded with patients and their staff is overworked, making it more likely that you won’t receive the best treatment possible. You may also have to wait longer before you can get in to see a doctor, and depending on the severity of your illness, that extra time could cause additional health issues for you.
You Can Get Supplemental Health Care
If you have health insurance, your plan might include visits to the eye doctor or dentist, as well as get prescriptions and life insurance coverage. Another major benefit is that it can cover hospitalizations and medical expenses. The professionals behind these Desjardins group benefits explain that being covered with hospital indemnity insurance can give you a daily, weekly, or monthly benefit to help you with your hospitalization bills. You would otherwise have to pay for these costs out of pocket, which can quickly add up and put you in significant debt.
You Can Get Assistance to Become Healthier
Some health insurance providers offer programs to assist you with things like losing weight, diabetes management, and quitting smoking. People who live longer and have fewer health problems pay more into insurance and take out less, so helping you stay healthy and alive is a win-win for you and your provider. Health insurance providers might cover parts of your health club membership, weight loss program, or counseling for breaking your smoking habit.
You Can Get Better Mental Health Care
There’s a growing number of insurance providers who offer better mental health care options. These insurance providers can cover treatment for mental health issues like schizophrenia, bipolar disorder, eating disorders, and autism. In the past, mental health was not seen as being of the same importance as physical health, but modern medicine has recognized that a person’s mental and physical well-being are inextricably linked. You can get treatments that can include psychiatry, psychology, and therapy to help take care of your mental health issues properly.
You Can Prevent Illnesses from Occurring
Being able to see a doctor for regular checkups is an important part of preventing illnesses from ever occurring. Getting tested for common illnesses like high cholesterol, hypertension, or cancer will allow you to adjust your health plan to either eliminate these things or get treatment in advance before they become a serious issue. Paying for routine checkups that will alert you if you’re in danger of having health problems that might cause an unpredictable and life-threatening situation like a heart attack is way better because paying for regular check-ups costs is cheaper than having to foot the hospital bill for all your medical expenses after you’ve had one.
You Can Get Coverage for Alternative Medicine
Some health insurance companies offer coverage for treatments such as chiropractic, acupuncture, herbal medicine, and massage therapy. These alternative treatments may seem unpopular especially nowadays but they have been proven to help with pain and chemotherapy-related issues. Even if your provider doesn’t have direct coverage, they may reimburse you for certain treatments or offer discounts for members. The medical community is starting to recognize and embrace the benefits of using alternative medicine to treat certain illnesses and conditions, so having access to it is useful in case it can help you.
You Could Save Money in the Long Run
While having insurance means paying for your coverage each month, the amount it costs you pales in comparison to what you’d have to owe if you had a serious medical emergency that required you to be hospitalized. You could end up with a bill that’s more expensive than your house, and if you have to pay it off in monthly installments, you would end up paying significantly more than what you’d be paying for insurance. Therefore, it’s cheaper to simply get health insurance in the first place.
You Won’t Have a Negative Impact Others
People without health insurance often wait until their condition requires a trip to the emergency room. When you have to be hospitalized without insurance, your medical bills may go unpaid. Hospitals end up losing that money, so to recoup it, they have to charge their patients higher rates. This also raises the price of insurance, since they’d be the ones covering most of the increased bills. Ultimately, everyone loses if you choose to remain uninsured and risk needing emergency care without it.
You Can Have Peace of Mind
Knowing that you are covered by insurance if anything happens to you that requires medical attention and that you won’t have to pay out of your pocket can save you a significant amount of stress. When you live day to day worrying that any wrong move might get you sick or send you immediately to the hospital, the mental burden can start to seriously weigh down on you. Health insurance is like a safety net—you may not need it now, but it’s comforting to know it’s there in case you do.
Lacking health care coverage can end up costing you far more money than having one on standby. You never know when you might need it, and there are plenty of additional benefits that can help keep you healthy. Remember these reasons why it’s necessary to have health insurance.
Photo by Natalya Zaritskaya on Unsplash
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