NEED HEALTH INSURANCE?
Get the best coverage for you and your family.
If you require health care services, health insurance can make medical treatment far more affordable. Health insurance is a form of insurance coverage that can help you pay for medical, surgical, and prescription drug costs. In most cases, a health insurance policy will either reimburse policyholders for covered expenses or they will directly pay the health care provider for services rendered to the insured.
In some cases, you may be able to find health insurance through your employer, but if you don’t have employer-based coverage, you will need to look elsewhere. Be sure to verify that you are not eligible for employer-based coverage before shopping for private insurance plans, because an employer sourced insurance policy may be far more affordable than the alternatives.
WHO NEEDS HEALTH INSURANCE?
You may be asking yourself whether you need to invest in health insurance. Well, in most cases, the answer is yes. Without health insurance, you may be subject to paying massive amounts of money for any health care procedures that you need. With even the most basic medical treatments costing thousands of dollars, you don’t want to need care and not be able to afford it. This is especially true for senior citizens who are more prone to illness and injury.
WHAT DOES HEALTH INSURANCE COVER?
Health insurance generally covers health care services that are delivered through medical facilities, such as hospitals, doctors’ offices, and outpatient care facilities. While your health insurance may cover some dental care, you may need to buy a separate dental insurance policy to gain access to extensive dental care. The same rule applies to vision care. Health insurance will cover eye-related surgeries or other procedures, but to get coverage for basic eye exams and eyewear, you will need to purchase a separate vision insurance policy.
TYPES OF HEALTH INSURANCE
There are several different types of health insurance for consumers to choose from. After the Affordable Care Act was passed, a health insurance marketplace was created. Using this marketplace, you can shop for plans in your area. Plans sold in the marketplace are often referred to as on-exchange private health insurance. Plans that are sold directly or through a third-party broker are called off-exchange private health insurance.
Employer coverage, Medicare, Medicaid, and short-term health insurance plans are other options for people who need health coverage.