Many people are aware of the advantages of health insurance but do not have it. Many people believe they can avoid purchasing insurance because they are young or healthy and do not require it. Accidents, however, happen to even the healthiest people.
The following are 13 reasons why you should buy the CHILD’s Youth Health Insurance plan:
1) No copay for preventive care – Preventive care is a low-cost way to stay healthy. If a person does not have to pay a copay for preventive care, they will not have to pay out-of-pocket costs when they go in for regular checkups.
2) Prescription drug discounts – Prescription drug costs are typically covered in part by health plan premiums. According to healthcare reform, most prescription medications must be fully covered. If a person must pay for prescriptions outside of their health insurance plan, it can be expensive, especially if they require multiple medications.
3) Access to doctors – Having health insurance entails having access to a primary care doctor (PCP) who can diagnose illnesses and help one stay healthy. A yearly physical also allows the PCP to identify problems before they become emergencies.
4) Access to specialists – A visit to a specialist usually results in more tests, which leads to another office visit; however, insured people usually do not have to pay copays or other fees when they visit an in-network specialist. Furthermore, the physician’s office staff will assist in scheduling all appointments and ensuring that pre-authorization for required tests at an in-network facility is not a problem.
5) Free preventive services – Preventive medicine is a very effective and efficient method of treatment. There are no copays for preventive care such as well-child visits, vaccines, and screenings for common conditions such as diabetes and high cholesterol, which can lead to expensive hospitalizations or complications if not detected early.
6) Hospital benefits – One of the most important health insurance benefits is assistance with hospitalization. This can include surgery, testing, x-rays, and other services that would be prohibitively expensive without insurance. Depending on one’s plan and how long they have been enrolled in it, their insurer may also pay a portion of their hospital bills after they leave the hospital (in some cases requiring prior authorization). Once admitted, their insurer will typically cover the majority of all of the costs associated with their hospital stay.
7) Access to emergency services – Hospitals are required by law to provide an emergency room 24 hours a day, seven days a week, regardless of ability to pay. So, if someone needs urgent care at 3 a.m. on a Sunday, they won’t have to pay anything out of pocket (at least until after the fact).
8) Access to ambulatory surgery centers – Ambulatory surgery centers are medical facilities that can perform surgeries and other procedures that do not typically necessitate an overnight stay. Instead of billing a single lump-sum payment for all services provided during a visit, the facility bills for each service. If an insured person chooses outpatient surgery over more expensive hospitalization, their health insurer will usually pay for the entire procedure.
9) Access to lab services – A blood test at a hospital laboratory may only cost a few dollars, but it can be expensive if one’s doctor’s office or another facility charges for each service.
10) Preventive dental care – Many health insurance plans cover preventive dental care, such as cleanings and fluoride treatments, with no out-of-pocket costs. Other dental procedures, such as cavity filling, are also covered without copays (in many cases following prior authorization). However, dental coverage varies greatly from plan to plan; some do not cover orthodontia or more than 10 units of a given procedure per year, so they must understand the terms and conditions of their plan.
11) Access to vision services – Eye exams are another covered preventive benefit (at least once every two years). Many health insurance plans also reimburse up to Rs 1000 for corrective lenses or frames, minus any copays owed to the provider.
12) Prescription drug coverage – Prescription drug coverage is typically provided by health insurers through a formulary that includes multiple tiers of prescription drugs with varying co-pays. Generic drugs are frequently placed on the lowest tier, whereas brand-name drugs may be placed on a higher tier. In general, except for insulin, cancer medications, and some other specialty types of medication, one’s insurer should not restrict access to any given drug due to its high cost.
13) Case management services – If a person is hospitalized, the insurer’s case management team will ensure that they are discharged to the most appropriate facility. It can also assist in ensuring that their medical equipment is returned and set up at home after a hospital stay.
Care Health Insurance offers all of these advantages as part of its excellent service. Care Health Insurance has demonstrated remarkable trustworthiness in maintaining its clients’ trust.