Health Insurance Innovations: How Health Insurance Protects Your Health and Finances Obviously, nobody likes to get sick or get hurt with any accident, but most people need medical care at some point in their lives. For several reasons, people need health insurance. Most people who are uninsured receive less timely care, lower quality of medical care, and may result in worst health outcomes, along with the financial burden for them and their families. Most health insurance have expanded coverage that outweighs the costs for additional services and benefits. Hospitals and clinics have safety-net care that can improve access to care, but it does not fully substitute health insurance. Health insurance covers medical costs such as hospitalization, diagnostic procedures, emergency cases, and many other important benefits. The coverage of health insurance includes health benefits that are critical to the maintenance of health and treatment of illnesses and accidents. Health insurance gives you protection from unexpected, high medical bills. Even if you have not met your deductible, you tend to pay less for covered in-network health care. You get to avail of free preventive healthcare before you meet your deductibles, such as vaccines, check-ups, and screenings. Health insurance should cover essential health benefits such as hospitalization, patient services, emergency services, pregnancy, maternity care and newborn care, mental health and substance use, counseling and psychotherapy, prescription drugs, rehabilitative devices, laboratory services, preventive and wellness services, and pediatric services. Additional coverage of health insurance depends on state requirements, and these additional benefits include dental coverage, breastfeeding coverage, birth and control coverage, vision coverage, and medical management programs. Always remember that no insurance plan can reject you, overcharge or refuse to pay for essential health benefits for any health condition you had prior to the start of your health insurance coverage. Insurance plans shouldn’t deny you health coverage or raise your rates basing only on your health, once you are enrolled. Most health insurance plans cover a set of preventive health services for children without any cost, such as autism screening, developmental screening, hearing screening, immunization vaccines, iron supplements, obesity screening, oral health risk assessment, vision screening, and alcohol and drug use assessments. Several preventive healthcare benefits include immunization vaccines, blood pressure screening, cholesterol screening, hepatitis C screening, hepatitis B screening, diet counseling, HIV screening, diabetes type 2 screening, lung cancer screening, syphilis screening, obesity screening and counseling, depression screening, and colorectal cancer screening.
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Once you are enrolled in healthcare plan and your coverage has started, you can use it to help cover the medical costs for healthcare services such as filling a prescription at the pharmacy, going to the doctor or getting emergency care. Our health insurance company can further discuss more information about basic and expanded health coverage, by visiting our website or by contacting us directly.A Quick Rundown of Options