Many Americans forgo health insurance because they think that it is an avoidable expense. If you are already struggling to make both ends meet, it is quite tempting to let go of health insurance to pave way for other things that “matter most” for you. However, forgoing health is not wise. Being uninsured will be financially detrimental in the long run.
More and more Americans are uninsured lacking any kind of healthcare coverage. You have to understand that uninsured people have higher mortality rates because they tend to seek treatment if their conditions have aggravated. With this, it is crucial that you have a health insurance. Whether you are below 65 years old or over, you need to be insured through the virginia medicare plans.
Even if you feel you are in good condition now, always keep in mind that you will never know when you will get sick or have an accident. A trip to the hospital can be very expensive more than you expect. For instance, the average cost of delivery is up to $8,000. For a cracked leg, the average cost is $7,500. For hip replacement, the average cost is $32,000.
Spending such amount sound scary that is why you need to be prepared. Do not worry because with the right plan, you can protect yourself from spending too much. Here are the benefits of having a health insurance:
It Can Improve Health
Whether you purchase insurance independently or the company provides it, you are assured that every health concern will be resolved and compensated. This can ultimately improve your health in the long run. Basically, health insurance will make sure that any health-related concern will be resolved in time without worsening.
It Can Safeguard Your Finances
Health insurance isn’t just about access to healthcare. It can also provide protection against financial ruin. You know insurance to be expensive but lacking one can cost more at the end of the day. As mentioned earlier, a trip to the hospital can be very expensive. Remember that the leading cause of personal bankruptcy filing in the United States is medical debt. Having insurance will indeed safeguard your finances against ruin.
It Can Promote Consistent Check-Ups
If you want to regularly check your health condition, consistent medical check-ups without insurance can be very expensive and it can eat most of your income especially if it includes hospitalization and other services. If you have health coverage, you can consider consistent check-ups without worrying about the cost.
It Gives You Peace of Mind
More than anything else, having health insurance can give you peace of mind. The thought of having something that can sustain your health can make a difference. It may be in the form of affordable drugs or treatments. Uninsured people are always apprehensive of the future, which can result in stress and anxiety.
Hopefully, the reasons mentioned above are enough to change your mind. It is critical that you choose your coverage plan as soon as possible before it is too late. For Medicare, you need to distinguish the different parts to make an informed decision. If you want to discuss your options, you can consider the SHIP (State Health Insurance Assistance Program) to help you.