Many people know the benefits of health insurance, but do not have it. Many think they can pass on insurance because they are young or healthy and don’t need it. Unfortunately though, accidents happen to even the healthiest people.
The following list gives 13reasons why one should buy best health insurance policy for family:
1) No copay for preventive care – Preventive medicine is a cost-effective way to stay healthy. If one has no copay for preventive care, then that prevents them from having to pay out-of-pocket costs when they go in for regular checkups.
2) Prescription drug discounts – Health plan premiums usually cover a portion of one’s prescription drug costs. According to healthcare reform, most prescription medications must be covered at 100%. If one has to pay for prescriptions outside of their health insurance plan, then that can be costly, especially if they need multiple medications.
3) Access to doctors – Having health insurance means having access to a primary care doctor (PCP) who can diagnose illness and help keep one healthy. An annual physical also allows the PCP to find problems before they become emergencies.
4) Access to specialists – A visit with a specialist typically leads to more tests which leads to another office visit; however, insured people typically do not face copays or other fees when visiting an in-network specialist. Plus, the physician’s office staff will help schedule all appointments and make sure there is no problem getting pre-authorization for required tests at an in-network facility.
5) Free preventive services – Preventive medicine is a very effective and efficient way. There are no copays for preventive care such as well-child visits, vaccines, and screenings for common conditions like diabetes and high cholesterol – these can result in costly hospitalizations or complications if not diagnosed early on.
6) Hospital benefits – One of the most important health insurance benefits is helping cover treatment at a hospital. This can include reimbursement for surgery, testing, x-rays and other services that would be too expensive without insurance. Depending on one’s plan and how long they have been enrolled in it, their insurer may also pay part of their hospital costs after they leave (in some cases requiring prior authorization). Once they have been admitted, their insurer will typically pay most or all of the costs associated with staying in a hospital.
7) Access to emergency services – Hospitals are required by law to provide an emergency room 24/7 without regard for ability to pay. So if one needs urgent care at 3am on a Sunday morning, it won’t cost them anything out-of-pocket (at least until after the fact).
8) Access to ambulatory surgery centers – Ambulatory surgery centers are medical facilities that can perform surgeries and other procedures that do not usually require overnight stay. The facility bills for each individual service rather than billing one lump sum payment for all services provided during a visit. If an insured person elects outpatient surgery over more expensive hospitalization, their health insurer will usually cover 100% of the cost.
9) Access to lab services – A blood test may only cost a few dollars through a hospital laboratory, but it can be costly if one’s doctor’s office or another facility charges for each service.
10) Preventive dental benefits – Many health insurance plans cover preventive dental care such as cleanings and fluoride treatments at no out-of-pocket costs. Other dental procedures such as filling cavities etc. are also covered without copays (in many cases following prior authorization). However, dental coverage is very different from one plan to another; some don’t include orthodontia or more than 10 units of a given procedure per year — so it’s important that they understand their plan’s terms and conditions.
11) Access to vision services – Another covered preventive benefit is eye exams (at least once every two years). Many health insurance plans also offer up to rs 1000 in reimbursement for corrective lenses or frames, minus any copays they owe the provider.
12) Prescription drug coverage – Health insurers typically have a formulary that includes multiple tiers of prescription drugs with varying co-pays. Generic drugs are often on the lowest tier while brand name drugs might be on a higher tier. In general, other than insulin, cancer medications and some other specialty types of medication, one’s insurer shouldn’t restrict access to any given drug because it’s too expensive.
13) Access to case management services – If one is hospitalized, the insurer’s case management team will make sure they are discharged to the most appropriate facility. It can also help ensure their medical equipment is returned and set up again at home following a hospital stay.
Care Insurance provides all these benefits with their great service. Care Health Insurance has maintained their client’s trust with remarkable trust.