Understanding Health Insurance

Why Do I Need Health Insurance?

Health care can be expensive

Most people cannot afford to pay the high cost of health care on their own. That’s where health insurance comes in. You pay a premium each month, and your insurer pays for a portion of the covered medical costs. The insurer may be able to negotiate better rates from the doctors and hospitals. So instead of paying hundreds of dollars in out-of-pocket costs for a doctor visit, or thousands for a surgery, you pay a lesser amount depending on your plan.
Health care can be expensive

Health insurance can help you stay healthy

Many people think of health insurance as something you use when you’re sick, but it’s much more than that. You can take advantage of the preventive services your plan offers. By visiting your doctor regularly for check-ups and getting your recommended screenings, you’re more likely to prevent more serious conditions later on. Plus, many health plans offer wellness programs and discounts on health products and services.
Helpful Tips

Need help choosing a health plan?

Health insurance is more than just a way to get more affordable check-ups and prescriptions. Some plans offer valuable extras, like free nutrition counseling, preventive care, and even reimbursements for healthy activities.

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