Preventive Health Care and Other Perks of Health Insurance

A lot has been written and researched about medical insurance, but you need to always get an understanding of it for yourself.

Health insurance isn’t only helpful when you’re sick or get hurt – it covers preventive care that will help keep you healthy and improve your quality of life. 

Here’s what you need to know about preventive health care and how having health insurance can be a life-changer. 

1. Health Insurance Plans Provide For Routine Doctor Visits

First and foremost, you’ll appreciate the fact that in California, health insurance companies will cover your preventative visits without a copay (though resulting labs and studies may not be covered). This is important because without health insurance, a primary care annual visit can cost upwards of $200 if you are paying out of pocket.

These routine visits give you an opportunity to talk to your physician about your health – medications, preventive care (like flu shots and mammograms, and any chronic conditions you may have. 

2. You Will Pay Less For Your Prescriptions

People that take medicine on a regular basis have more medical bills than anyone else. Prescription medication can get quite expensive without insurance, but with health insurance most prescriptions are covered. 

Whether you go with a name brand prescription or a generic prescription, you’ll want to make sure that it is covered under your healthcare plan. 

3. Healthcare Plans Pay For All Sorts of Wellness Visits Today

Today, people are more open to different forms of healthcare than ever. 

Western medicine still dominates, but people are beginning to turn to holistic doctors, nutritionists, chiropractors, acupuncturists, and other professionals that can take your health to new heights. Because this is what patients want today, health insurance providers are beginning to allow people to use their plans for these alternative forms of care. 

When you have health insurance you’ll also have access to a Behavioral Health plan where you can access care for behavioral illness (such as depression or anxiety).

4. You’ll Be Able to Easily Handle Emergency Room Visits

The emergency room isn’t anywhere you’d want to end up, both due to the seriousness of it all and the amount of money that you pay. 

If you have to visit the emergency room after suffering heat exhaustion, the last thing you’d want is an enormous bill that you can’t manage. However, you should never put off emergency care when you need it since the stakes are so high. 

With the right health insurance plan, you won’t have to make this decision. 

An emergency room visit will cost you about $1,400 on average. You can save some money on this bill by simply having the right medical insurance plan. Read through the terms to choose a deductible that is minimal, while keeping your premiums reasonable. 

5. Health Insurance Lets Women Have Happy and Healthy Pregnancies

Pregnancy is the time that you will really want to have a health insurance policy. Pregnant women attend several baby wellness visits throughout their 9 months of pregnancy and beyond. 

This is a life-changing and sometimes unpredictable time, so the last thing you’d want is to question whether or not you can afford your visits. Health insurance plans often cover your maternity visits with a (often without a copay) so that you don’t have to come out of pocket for all of these visits. 

6. It Can Take Care of Your Children’s Medical Needs

Another benefit is that you can put your children on your medical insurance plan. When your kids are covered, they’ll also be able to go on annual preventive health visits. 

Since children grow rapidly and enter school systems where illnesses spread, you’ll always need to have access to a physician that can see them. When you don’t have health insurance you’ll have to go to urgent care facilities and wait in long lines just for your kids to get medical care. 

Having a health insurance plan lets you have peace of mind about your kids’ health, which is something that you can’t put a price tag on. 

7. Preventative Screenings Can Catch Serious Problems

We live in a world where diabetes is rampant, people are dying of cancer at young ages, and heart disease and heart attacks are leading causes of death. The best way to fight these issues is through preventative care. 

You are more likely to get your prostate checked or get a mammogram when you know it won’t cost you an arm and a leg. Health insurance plans include these screenings as part of the package so that you can take a long-term approach to your health. 

Further, you will automatically become more health and wellness-minded when you have health insurance and are regularly going to the doctor. This promotes dialogue with your medical professionals and will help you make changes to your diet and way of life as a whole. 

Get the Preventive Health Care Service That You Need

When you have a health insurance plan, you’ll protect yourself for years to come. Preventive health care is a necessity for your life, and having the perfect medical plan will help you handle it with no problem. 

You have nothing without health, so use the tips above when you’re trying to take it to the next level. We can help you with your long-term health journey. 

Consider these points and reach out so that you can choose a health plan and learn information that’ll be helpful to you.

 

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