Why Do I Need a Health Insurance Plan?
It’s no hidden secret that health care is expensive these days. The costs to treat a broken leg, for instance, can cost you about $7,500. And add to this amount the cost of a three-day hospital stay that is required on average after a leg surgery, your medical bill could inflate to $30,000. Without a health insurance plan, the cost of health care and doctor’s visit can easily lead to financial ruin for most Americans.
In addition, the Patient Protection Affordable Care Act, commonly known as ObamaCare, which was signed into law in March 2010 and ratified by the Supreme Court in June 2012, mandates that all Americans are legally required to have a health insurance or they will have to face a penalty.
That’s why it is important that you invest in a health insurance plan today to avoid great financial strain in the future.
Health insurance is a contract between you and the insurance company, which agrees to provide coverage for health care costs in exchange for a premium paid on a regular basis. You can select a health insurance plan that fits your budget and needs. All private health insurance plans offer essential health benefits as defined in the Affordable Care Act. These include:
- Emergency care
- Hospitalization,
- Rehabilitative Services,
- Preventive Care
- Maternity and Pediatric Care,
- Lab Tests,
- Prescription Drugs, and
- Treatment of substance abuse & mental health disorders
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