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Health Insurance Innovations: Understanding How Health Insurance Can Protect 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, having health insurance is an important aspect of anybody’s life. 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. The benefits of expanded coverage outweigh the costs for additional services. 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. Health insurance coverage includes health benefits that are crucial for the maintenance of health and treatment of accidents and illnesses. Health insurance can provide protection from unexpected, high medical costs. For covered in-network health care, you tend to pay less even before you meet your deductible. You also get free preventive health care such as screenings, check-ups, and vaccines even before you meet your deductible. 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. Basing on state’s requirements, additional health benefit include breastfeeding coverage, birth and control coverage, vision coverage, dental coverage and medical management programs. Rememer that no insurance plan can reject you, over price you or refuse to pay for essential health benefits for any health condition you had before your coverage began. Insurance plans shouldn’t deny you health coverage or raise your rates basing only on your health, once you are enrolled. Health insurance plans for preventive health care services for children include autism screening, hearing screening, immunization vaccines, developmental screening, alcohol and drug use assessments, iron supplements, obesity screening, oral health risk assessment, and vision screening. Several preventive care benefits for adults may include immunization vaccines, blood pressure screening, cholesterol 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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You can use your health insurance once you are enrolled and your coverage has started, you can use it to help cover the medical costs for healthcare services by filling a prescription at the pharmacy, going to the doctor or getting emergency care. To know more about basic and expanded health coverage, you can talk to us by visiting our website or by contacting us directly.Why not learn more about Services?