No one in his right might plans
to get sick or injured, but everyone needs medical care at one point or
another. Acquiring health coverage protects you from health and financial risks,
while providing you access to quality preventive care. In addition to covering
the cost of your routine medical care and protecting you from unexpectedly high
hospital bills, health insurance policies also offer many other important
benefits as follows:
- Health insurance affords you lower in-network health care costs. This means you can get quality health care for less as long as you stay within your insurer's network.
- Free preventive care gives you access to vaccines, screenings, routine check-ups, and even prescriptions at no charge. Typically, in-network providers also offer the following preventive services, for free: immunizations; blood pressure and cholesterol testing; mammograms; colorectal cancer screening; well-woman care; contraception; and children's screenings.
- In case of a serious illness or accident, an insurance policy protects you from high medical costs un-insured people are often exposed to. Underestimating how much quality medical care can cost can lead you into deep debt, or worse, into bankruptcy.
Forfeiting health coverage or
choosing to go without a health insurance can actually cost you a certain fee
for being uncovered. For 2015, this fee is figured in one of two ways—2% of
your income or $325 per person within your household; whichever is bigger. To
avoid paying this fee, you must see to it that you have at least the minimum
essential coverage. Fortunately, all plans you will see in the marketplace
offer this.
Getting a quote for health
insurance coverage shouldn't be difficult, especially with the number of different
companies offering this service online. There are insurance companies you can
turn to for fast, accurate, affordable, and easy processing of your health
insurance.
