Health insurance is vital to have. Any health care treatment, service, test, item, procedure, what have you, can send your budget topsy turvy. Health insurance, even though it may seem expensive, can protect you from these expensive health care costs.
With health insurance, you can show your card to the health care provider and they instantly know your payment details, whether or not you are in the network, and if you owe a copayment for the service. Health insurance plans usually have networks of health care providers that the insurance company has contracted with to bring you lower costs. Receiving care from providers within your plan’s network will be the most cost effective way to receive health care.
What’s more, having health insurance may give you access to treatment you otherwise would not have been able to receive. Unless it’s an emergency, health care providers are under no obligation to treat you if you don’t have a way to pay them for their services. Your health insurance card may be the ticket to receiving the care you need.