Health Insurance
If you are healthy, you may feel that you do not need health insurance. Here are a few facts to reconsider.
When we think about the importance of health insurance, our minds often go to the worst situations. Of course, insurance is important in case of serious injury or illness. Fixing a broken leg can cost 7,500 and a three-day hospital stay can cost you 30,000. Prices only go up for more serious illnesses like cancer - care can often cost several thousand dollars.
High medical bills are the top reason Americans consider retiring money or filing for bankruptcy. Avoiding this type of financial risk is good enough to ensure you have adequate health coverage, but it's only part of the story.
When you purchase health insurance, you start to benefit immediately. Even if your plan has a deductible - the amount you have to pay before your coverage is fully started - you will pay significantly less than going to the office without insurance, assuming the healthcare provider you are looking at is on the internet. Some plans also offer low-cost generic drugs and free disease management programs. Also, health coverage can put you in a better position to prevent or identify difficult - and often expensive - illnesses early.
Preventive care helps you stay healthy
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All plans purchased through Covered California include free preventive care such as annual check-ups and immunizations. Chronic disease management is also covered, and other health tests are free, such as for blood pressure, diabetes, cancer and depression. Even if you eat properly, exercise and are currently healthy, there is always a risk of an accident or illness. Having health insurance can be the difference between being treated for a health problem and not being treated before long-term damage occurs.
You can be eligible for financial aid - and avoid penalties
From 2020, a new state order is required that Californians have health insurance. Californians who fail to do this and are not eligible for the rebate will be charged a minimum of $ 800 per adult which is not covered at the time of taxation. The good news is that financial aid can reduce the cost of health insurance for many more people than ever before. To see if you qualify, check out the Covered California Interactive Calculator.
When you purchase a health plan through Covered California, you can be confident about your coverage. All health insurance plans through Covered California cover some essential health benefits, including laboratory services, prescription medications, hospitalization, maternity and neonatal care, mental and behavioral health, emergency services and more.
Confidence builds peace of mind, allowing you to live your life to the fullest.? Staying covered allows you to perform activities of your choice without the stress of potential injury - and the associated costs - depending on your mind.
In the penalty of not having health insurance with the infamous high risk of unforeseen medical expenses, not having coverage puts you and your family in more financial trouble than signing up for health insurance. Make sure you don't go without coverage to protect your health and your financial future.