Health Insurance Explained: What It Covers and Why You Need It

Your health and wellness play significant roles in enabling you to enjoy daily life and pursue various aspirations. But sometimes, life may throw unforeseen challenges at us, including accidents resulting in injuries and unexpected diagnoses of complicated illnesses. In such situations, having access to suitable medical services can make all the difference. By acquiring and maintaining health insurance, you may be well-equipped to manage your situation while limiting costs.

What Can Health Insurance Cover?

Health plans can come in many forms and may have varying capabilities. Coverage can often be crafted according to your unique situation, including your needs, budget and preferences. Still, while customization is common, many plans can provide financial assistance for the following health care products and services:

• Preventive care (e.g., screenings and checkups)
• Hospital visits
• Outpatient care
• Emergency services
• Maternity and newborn care
• Mental health and substance abuse disorder services
• Rehabilitative and habilitative services and devices (e.g., wheelchairs and prosthetics)
• Prescription medications
• Laboratory services

Why Is Coverage Important?

Given the versatility and value of the aforementioned benefits, the importance of securing an appropriate health insurance plan cannot be understated. Being uninsured or underinsured could leave you facing potentially catastrophic out-of-pocket costs when needing treatment for a disease or injury. Furthermore, you might lack the ability to access optimal services and products altogether, potentially hindering or completely derailing your recovery.

Where Can I Find a Plan?

Health insurance may be available through various means. Many people in Kent, OH and throughout the United States procure coverage through the following options:

• Health Insurance Marketplace plans comply with the Affordable Care Act’s standards and can provide versatile and personalized coverage for those shopping for individual and family plans.
• Employer-sponsored group health plans can typically provide eligible employees and their families with coverage at a lower cost than they might find shopping on their own.
• Government-operated coverage options, such as Medicare, may offer affordable and convenient plans for eligible individuals.

How Can I Choose the Right Coverage?

At Advantage Insurance Agency, we take pride in helping families and individuals in Kent, OH assess their options and acquire ideal health plans. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.