Health Insurance 101: Everything You Need to Know

Health insurance serves as an assurance that should you ever find yourself in a medical emergency, you can pay your bills and healthcare costs because the health insurance can shoulder them.

Essentially, having insurance plan supports you financially if you get sick, serving as your safety net. It usually covers annual check-ups, vaccinations, and other routine maintenance examinations. If you unexpectedly get ill or injured, it will help cover costs that you likely can’t afford to pay on your own.

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For one, healthcare can be expensive. Surgery, emergency care, medicines, laboratory examinations—the costs of these can add up very quickly. They can be steep enough to cause individuals to go bankrupt or turn down the care they need because they simply can’t afford them. 

However, with medical insurance, you can protect yourself from these high medical bills. Health insurance also includes many other benefits. For instance, you have access to preventive care for free, such as vaccines, screenings, and general check-ups. It essentially saves you and your family from possible substantial financial losses. 

It’s interesting to note that people with insurance tend to have the peace of mind that comes with knowing that they are covered for the medical treatment they need. A study suggests that having health insurance is associated with better health outcomes since it improves the likelihood of appropriate care. 

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Accordingly, health insurance appears to achieve positive effects by facilitating ongoing treatment with a healthcare provider and reducing financial barriers to obtaining services that contribute to appropriate care.

No one plans to get sick or hurt, but most people will need medical care at some point. And even if you are in good health now, you’ll never know when you might have a day at the hospital. Learn about the basics of health insurance and the benefits of getting covered in the infographic below.

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