How important is to have Health Insurance?

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On a sunny day with clear skies, you would never think to bring an umbrella “just in case”. Although weather can be predicted, it can also be spontaneous and ruin a perfectly bright day. Just like the weather, accidents can be unpredictable causing stress and unwanted piles of debt. 

Health insurance serves as an umbrella, although it can’t stop the rain it can protect you from what’s coming.  

One of the primary reasons health insurance is crucial is its ability to provide financial protection. Medical treatments and procedures can be exorbitantly expensive, and without insurance, individuals may find themselves facing significant out-of-pocket expenses. Health insurance acts as a financial safety net, covering a substantial portion of medical costs, including hospital stays, surgeries, medications, and preventive services.

Having health insurance enhances your access to quality healthcare services. Insured individuals are more likely to schedule regular check-ups and screenings, allowing for early detection and prevention of potential health issues. This proactive approach to healthcare not only improves overall well-being but can also lead to more effective and less costly treatments in the long run.

Medical emergencies can happen unexpectedly, and the associated costs can quickly escalate. Without health insurance, individuals may face the risk of depleting their savings or even going into debt to cover medical expenses. Health insurance acts as a financial buffer, preventing individuals and families from facing a severe financial crisis due to unforeseen health issues.


Did you Know?

Many health insurance plans offer coverage for mental health services, including therapy and counseling. This reflects the growing recognition of the importance of mental health and ensures that individuals have access to the support they need like;

Therapy and Counseling:
• Health insurance plans often cover the costs of therapy and counseling sessions, allowing individuals to access the support of mental health professionals. This can include individual, group, or family therapy sessions.

Telehealth and Teletherapy Services:
• Many health insurance plans now include coverage for telehealth and teletherapy services. This allows individuals to receive mental health support remotely, providing greater flexibility and accessibility to care.

Most of these benefits will depend on the insurance carrier*

What you need to know after you get insurance

Finding the right coverage is probably the toughest step of getting insurance (not with us at least), although it may seem as if once you’re covered, you’re set, it is important to keep track of your medical coverage. Here are a few tips you can follow after getting covered, don’t worry they’re easy! 

KEEP TRACK OF YOUR MONTHLY PAYMENTS: It’s always important to make sure you’re making your monthly payments in time, some insurance companies may cancel your policy for non-payment and you might end up having to pay for medical services or that accidetal visit you had at the ER. 

LOOK FOR PCP IN YOUR NETWORK/OR SWITCH PCP: If you already have a primary care physician it’s important you make sure that your current doctor is in your network and always let their office know that you switched insurance. If you don’t have a primary care physician, you can always have your insurance agent look for one in your network!

GO PAPERLESS! BUT ALWAYS STAY IN THE LOOKOUT FOR IMPORTANT NOTICES. Many insurance companies tend to fill your mailbox with thousands of letters, you can always have your entrance agent that you for paperless contact. Always make sure you open any important emails and if there is something you don’t understand you can always contact your insurance agent. 

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