As of last year, 27.5 million people didn’t have any form of health insurance. Maybe you’re even one of them.
But do you need health insurance? Is it worth the money?
As expensive as health insurance can be, we promise it’s worth it. Here are seven reasons why you need to find a health insurance plan stat.
1. Medical Expenses Can Bankrupt You
Did you know that it costs $15,734 for the average hospital visit? Unless you have a secret savings account, that’s enough to bankrupt most Americans.
And while health insurance won’t cover 100% of the cost, it can drastically reduce the final amount that you’re responsible for covering.
2. Insurance Covers Prescription Drugs
Hospital stays are only the beginning of your costs. If you need medication, you’re responsible for covering the costs out of pocket.
While generic versions of popular name brand prescriptions can help you save money, your medicine could cost you hundreds of dollars per year.
3. Your Insurance Covers Speciality Visits
Health insurance is good for more than visits to your general practitioner or a trip to the ER. Most health insurance providers also cover specialty visits like:
And that’s just to name a few. Whether you’re having a tough time emotionally or you’re looking at facing an expensive surgery, your insurance provider can help ease your financial burden.
4. You’ll Sleep Better
If you’re reading this, you might be one of the thousands who skip out on health insurance because it doesn’t seem necessary. Why pay for something you don’t use every day, right?
That’s one argument. However, not having health insurance is a huge risk and the peace of mind health insurance brings is worth the cost alone.
5. You Can Add Vision and Dental
Access to specialists and discounted prescriptions is a great start. But that’s only the beginning.
For a few dollars more, you can add vision and dental options to your plan. So stop ignoring that tooth pain and find a plan that works for you.
6. An Annual Physical Can Keep You Healthy
Getting a physical is never fun, but it is a necessary part of a healthy lifestyle.
During your physical, your physician will assess your heart, reflexes, lungs, and more. Your physical is also a great time to discuss any health concerns you have with your doctor.
If you have a family history of illness, for instance, or you’re worried about your mental health this is the perfect time to talk to someone about it.
7. There’s a Plan for Your Budget
Health insurance doesn’t have to be expensive. You can apply for insurance no matter how much you make.
Medicaid offers healthcare solutions for people in all income brackets. According to their website, they currently cover over 65.5 million people.
So if you’re concerned about your budget, don’t worry. No matter what you make, you still deserve quality healthcare.
Do You Need Health Insurance? Our Final Thoughts
Any way you cut it, having health insurance is just a smart idea. So do you need health insurance? If you don’t want to spend the rest of your life paying medical bills then the answer is yes.
It’s time to change your life. Check back with our blog for all sorts of helpful content!