You don’t need to be a rocket scientist to know how important your health is. Regardless if you’re a student or employee, you should exert time and effort in taking care of your health. You can accomplish and enjoy more things in life when you’re healthy. And if you’re not, you’ll be bombarded with several medical and hospital bills, which can lead to more stress. This is why you should consider getting health insurance. Aside from being a good investment, health insurance can provide a lot of short and long-term benefits.

You can never do anything once you’re sickly. If you’re always sick, you’ll have to miss out days from school or work, and this can have adverse effects later in your life. Aside from having a healthy lifestyle, getting health insurance can help improve the quality of your life. Here’s why:

1.    Health insurance can provide funds at a short notice.

You can never predict when you’re going to get sick or hospitalized. You might be productive in the morning but can experience high fever in the evening. If you want to have funds readily available whenever you’re sick, get health insurance. You can be confident in seeing a physician or walking into a hospital because you know that your health insurance plan will take care of the bills for you. If you want to extend your benefits, you can research what is Medigap. This is extra health insurance that you can purchase from any private company in order to cover for your costs on hospital or medical bills.

When you have health insurance, you don’t have to delay any medical treatment, as well. You also don’t have to worry about being in debt just because you have an illness or disease.

2.    Health insurance can give a worry-free and positive outlook in life.

The unpredictability of when you’ll experience illnesses and diseases can be stressful. For example, if the weather in your area is cold, you’ll be worried if you’ll get any colds or flu. And when you do experience any of these, you’ll be stressed about where you can possibly get money to finance your medical needs. If you have a full-time job, this is good because you have a regular source of income. But if you’re unemployed or you currently have a lot on your plate, a simple cold or flu can lead to a financial turmoil. Getting health insurance can save you from the unwanted stress associated with an illness or disease. Because you’re confident that you can pay for your medical bills whenever needed, you’ll have a worry-free and positive life!

3.    Health insurance can negotiate rates for you.

Going to the hospital for a checkup and medicines isn’t cheap. Usually, you’ll have to pay a large amount of money in order to see a physician and afford the prescription medication. Having health insurance means paying less for your hospital and medical bills. This works because insurance companies negotiate with hospitals and doctors for their policyholders to get the cheapest rates possible. If you see a physician who is included in the insurance company’s “in network,” you’ll pay lesser prices compared to uninsured patients.

4.    Health insurance can provide preventive services.

You don’t have to be sick in order to enjoy the benefits of health insurance. In fact, health insurance can actually help you avoid getting sick. Several health insurance companies offer preventive services such as alcohol misuse counseling and screening, blood pressure screening, and diet counseling. When you have health insurance, you’ll be able to enjoy all of these benefits and more without paying anything outright. As long as you make regular payments with your premiums, it’ll be easy to take care of your health without breaking the bank.

5.    Health insurance can help you avoid the ER.

Visiting the emergency room can be stressful and expensive. When you’re rushed to the hospital, you need to make adjustments to your daily routine to recover from your illness. This still doesn’t include the bill you have to pay during and after the confinement. Since your health insurance provides preventive services, you can finally stay away from the ER. Because you already have the means of taking care of your health, you don’t have to worry about visiting the ER anytime soon.

Make Sound Decisions

Undeniably, getting health insurance can be beneficial for many reasons. However, with the number of insurance companies operating today, you should be careful about which to choose. You should take time in choosing and comparing your options so you’ll end up working with an insurance company that fits your needs.

Cite this article as:
Editorial Staff, "Why Health Insurance Is So Important," in Medicalopedia, March 26, 2019, [Permalink: https://www.medicalopedia.org/7353/why-health-insurance-is-so-important%ef%bb%bf/].