Why is Health Insurance Important for an Individual?

Health Insurance is considered to be extremely important and each and every person should have a health insurance done. The Affordable Care Acts is making it mandatory to buy health insurance. If getting a health insurance is made mandatory then it is important to see how health insurance coverage protects you.

Benefits of a health insurance plan

  • The hospital expenses have increased a lot and health insurance companies negotiate the prices with the hospitals. So if one gets a health insurance plan then the hospital expenses are definitely lowered. This negotiation lowers down the bill by around 20%.

 Moreover if one has a health insurance and then get himself or herself treated through a network hospital then the insurance company will directly pay the bill to the hospital. The customer does not have to pay anything from his or her pocket.

why is health insurance important

  • Most insurance companies today actually pay even for each and every day of hospitalization. This means that the cash that one has to pay to the hospital each day is paid by the insurance company. The medicine bills are also paid by the insurance company.
  • The health insurance companies provide free health checkups. Many health insurance companies have tie with some doctors and hospitals and help one to get discounts on the different medical checkups.
  • The dental and the vision care are all covered under insurance
  • There are also special coverage for the pregnant women.
  • The preexisting diseases are though initially not covered but they are included after the first few years of getting the health insurance plan.

Why is it important to get health insurance from a reputed company?

Apart from understanding why is health insurance important it is also necessary to understand the importance of getting it from a reputed company. If one gets the insurance done from a reputed company then he or she will be able to enjoy its benefits.


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