5 Reasons Why It’s Important to Get Health Insurance – For You and Others
In the United States today, more than 40 million people have no health insurance. This can be costly, both to the individual without health insurance and to society. There are several good reasons to have health insurance, especially during covid-19. Some of the best ones include the following:
1. Saving Money
Health insurance pays part or all of the cost of your health care if you are ill or injured. It also helps you pay for prescription medication. Health insurance provides an important safety net. For instance, if you’re injured in an automobile accident and you check with personal injury lawyers and learn that the driver did not have liability insurance, you can use your health insurance to help you pay for the cost of treating your injuries.
2. Seeking Medical Help When Necessary
We’ve all had a sore throat or a headache that lasted a couple of days but then went away. Not all illnesses, though, are so obliging. Some bacterial infections require medications like antibiotics to set you on the road to recovery. Others, like cancer, require long regimens of treatment from chemotherapy in the hospital to surgery to pills at home. Having health insurance gives you the option of seeing your doctor to get your medical needs met.
3. Lowering Healthcare Cost For Everyone
Imagine that you broke your leg. If you had medical insurance, it would cover the lion’s share of the cost of treatment.
Now let’s say that you don’t have insurance. Doing nothing to treat it isn’t an option. Furthermore, no doctor would refuse treatment, so your leg would be fixed, but you would be stuck with a large bill. Chances are, the bill is far more than you can afford. This means the county will foot the bill or, if the county is broke, the bill isn’t paid at all. This drives up taxes as well as hospital costs. Bottom line, everybody pays for your broken leg.
4. Getting Vaccinations and Inoculations
One of the most important developments in medicine are inoculations and vaccinations. Health insurance plans almost always cover these, because it is much less expensive to prevent an illness from occurring than it is to treat an illness that has already occurred. Furthermore, some colleges, universities, study abroad programs and even workplaces require proof of vaccination of certain vaccinations before you can enter the program like an agricultural or energy program about how to install and buy solar panels.
5. Getting Check-Ups
Depending on your age and health, most doctors suggest that you get at least a yearly check-up. The doctor usually takes some blood, checks your vital signs, checks on any chronic conditions like diabetes or heart disease and answers any questions you have about your health care. Again the philosophy is to catch diseases early, where they can be cured or managed much more easily and much less expensively.
When you go to your check-up, write down any questions you want to ask your doctor about your health. Don’t be embarrassed. Your doctor has probably heard the same question at least a dozen times. Your doctor, though, cannot read your mind, so if you are having symptoms that bother you, don’t be shy about speaking up.
Conclusion
Health insurance can be expensive, but it is well worth the cost. If you have a serious illness or injury it can end up saving you a lot of money. The security of having health insurance allows you to get help for minor illnesses before they become serious. Furthermore, having health insurance protects your entire community from having to pay higher taxes so that people without insurance can get care. Vaccinations are another good idea why it’s a good idea to have health insurance, and check-ups are an excellent reason, too.
