Who should have Health Insurance?

27 Mar

Posted by: Cobra Help Center in: Health Insurance

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Everyone regardless of his or her current age, disability or income needs medical insurance. Medical insurance does not just pay for medical emergencies but covers the cost of regular checkups often required as we age. Health insurance can cover the cost of routine doctor visits, hearing test, vaccinations, vision test and dental cleanings. Health plans can also be combined with dental and vision plans, to cover the cost of eyeglasses, expensive dental surgeries and life saving surgeries.

Though many individuals often worry about the cost of insurance, it will actually reduce the amount of money that will have to be paid out of pocket when visiting a doctor’s office. A single visit to a doctor can cost upwards of a hundred dollars with visits to a specialist usually costing twice as much. With a health insurance plan, members would likely pay a fixed dollar amount at a fraction of the price.

Health plans are also necessary for those taking prescription medications. Most individuals who take prescription medications take several at a time and the monthly cost without a health insurance plan can be severe. For example, to lower cholesterol physicians commonly prescribe Lipitor. The average retail price for Lipitor is around $70. Some other commonly prescribed medications can cost twice as much.

Health insurance plans offer different services and options to make them more affordable. Employed individuals can often sign up for health care through their jobs and plans can cover spouses and children. Those with low income can often take advantage of government sponsored programs created for those with limited funds. For example, Medicaid is sponsored by funds from states and the federal government to offer medical insurance for individuals and families with low incomes. Medicare is a federal government health insurance plan that covers senior citizens. Consumers can choose to sign up directly through a health insurance provider. Health plans also exist for those who are self-employed and many trade groups and associations offer insurance to members.

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Posted in: Health,Insurance,should