What Is Health Insurance And Why Do You Need It?

​People may think that people always have access to medical care because they can always rush to an emergency room. Some also believe that health insurance isn't necessary since they are healthy and not at financial risk. Most people need to know that there's a definite assurance in knowing that even if their health takes an unexpected turn, they have a financial safety net. 

How Insurance May Protect You From Health and Financial Risks
No one plans to get sick or hurt, but accidents or mishaps happen now and then. Fortunately, health insurance gives people timely medical care and enhances their lives and health.

Should Cover Essential Health Benefits
Uninsured people get about half as much care as the privately insured. Insurance is crucial in the case of an injury or illness. These are some of the essential benefits that health insurance plans may cover:

• Emergency services
• Hospitalization (hospital stays)
• Doctor's visits
• Dental coverage
• Vision coverage
• Medications (prescription drugs)
• Laboratory services (tests and procedures)
• Preventive and wellness services

Can Protect You From Incurring High Medical Bills
High medical bills are one of the top reasons for taking money out of retirement or applying for a loan. Health insurance should make treatment less expensive. It provides financial protection if you get in an accident or get sick. Some plans offer reduced-price generic drugs and free disease management programs. 

May Provide Free Preventive Care
The danger of accidents or illness is always present, even if you eat healthily and exercise. Most health insurance plans cover preventive services like shots and screening tests at no cost. Having coverage would improve health, reduce disability, and help control diseases. Here is the following list of some preventive services that health insurance plans must cover:

• Alcohol misuse screening and counseling
• Blood pressure screening
• Cholesterol screening
• Depression screening
• Diet counseling
• Immunizations 

Conclusion
Everyone needs health insurance. It can help neutralize the costs of minor medical issues to major diseases, including surgeries or treatment for life-threatening diseases. With health insurance, you can have confidence or peace of mind, allowing you to live your life to the fullest. 

At Hayek Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (805) 496-8835. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!