Health Insurance
Health Insurance Protects You from the Unexpected.
Did you know that one day in the hospital could cost you Thousands of dollars?
Reality is, going without health insurance is a very risky, because if you’re not protected from unexpected health care costs today, it could mean large costs for you down the road. That’s why, no matter where you are in life, you should know the real costs of medical care and how health insurance protects you.
If you’re like most people, you may not have money put away to cover major unexpected health costs. To get a better idea of what we’re talking about, let’s look at the real costs for some common health expenses:
- Primary Doctor's Office Visit $100 (Average Cost)
- XRay (Abdomen) $80 (Average Cost)
- CT Scan (Abdomen/Pelvis) $550 (Average Cost)
- MRI (Abdomen) $800 (Average Cost)
- Colonoscopy with Biopsy $3,500 (Average Cost)
- Child Delivery $9,000 (Average Cost)
- Knee Replacement $20,000 (Average Cost)
You can protect yourself from the unexpected, just like you probably already protect your home and your car. You simply pay a monthly premium and when you need medical care, your insurance helps cover the expenses, lowering your overall financial burden.
But your health plan provides more than protection against big, unexpected expenses. It also covers costs for routine preventive care, like yearly checkups, that can help you get and stay healthy. You might say it’s a lot like having an auto insurance policy that covers oil changes, tune-ups and tire rotations.
If you’re new to health insurance, it’s not only good to understand why health insurance makes sense; it’s also good to understand how health insurance works.
You can think of a health plan as three main parts: benefits, networks and costs.
The Three Parts of Health Insurance