Health insurance is a necessity numerous people take for granted. Its importance is often ignored and its (many) benefits overlooked. A common reason shared by many individuals as to why they refuse to avail themselves of quality health insurance is cost. They prefer to go about acquiring healthcare by their own means in hopes of accessing inexpensive services. Another reason is distrust. Quite a number of consumers believe that health insurance is not worth their money and that most health insurance providers fail to deliver.
If you are currently considering buying health insurance but still have qualms about the idea, doing your research may be best before you fill out that Application Form.
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The Advantages of Having Health Insurance
For the individual who has doubts about the importance of health insurance, knowing its benefits allows for deciding factors to come into the picture. Here are some of the significant benefits of having health insurance:
- Prompt medical attention. Having health insurance means getting timely healthcare when you need it. You no longer have to worry about getting enough money to be able to get that much-needed checkup or medical attention during emergencies. It also means not having to walk through ER doors. A visit to the ER reportedly costs more than seeing a primary care provider or a specialist, which is recommended as ERs do not adhere to a “first come, first serve” basis.
- Negotiated prices. Uninsured patients are subject to absurdly high fixed charges (hidden or not) on their medical bills – from the medicine that is administered, to the tools used for treatment. When you have health insurance, the prices of certain medical services are pre-negotiated by your provider, thus allowing you to save on your bills.
- Peace of mind. Signing and submitting those Medicare Application Forms signifies the onset of a life that is more worry-free. Obtaining health insurance will ultimately allow you to have peace of mind.
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What to Consider When Choosing a Health Insurance Plan
Now that you know the advantages of health insurance, your next step is selecting a plan. You have to be critical with this step as it involves more than just filling out Medical Application Forms and talking to experts. There are points you will need to consider if you want to choose the plan that is most suitable for you.
There are four types of health insurance networks (or plans); these are: HMO, PPO, EPO, and POS. The two most commonly availed of are HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). In an HMO plan, you cannot get health care services from just any doctor. The insurance company will give you a list of healthcare providers exclusive to the plan from whom you can acquire medical attention, except during emergencies. A PPO, on the other hand, gives you the freedom to choose whichever healthcare provider you want to get services from. This is ideal if you would prefer not to get a referral before being able to visit a specialist.
Every insurance plan available on the market has its own advantages and disadvantages. Choosing the one that is right for you merely requires doing your research, using sound judgment, and also gathering recommendations.
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