Health insurance, and the healthcare industry in general, have gotten a bad rep in the United States. In fact, healthcare companies are some of the most loathed corporate institutions in the entire country (right down there with tobacco and oil).
Ask anyone what they think of health insurance, and you’re bound to hear these complains: Health insurance premiums can be expensive. All the fine print with any plan is confusing. Claims that should be covered regularly get rejected. Fortunately this is a very rare occurence and the majority of people with medical claims are taken care of quite well and are grateful that an insurance system is in place to protect them against financial ruin.
These are all fair arguments against health insurance, but rarely do you hear anyone offering a defense or praising the positives of health insurance. Sure, our health insurance system is far from ideal, but there are important benefits that health insurance provides a family. These health insurance benefits often get overlooked in the sea of negativity surrounding the topic of healthcare in America.
Health insurance protects the insured in the case of a health emergency or expensive illness. After the deductible has been reached, health insurance covers most major necessary surgeries, tests and visits to specialists. Comprehensive healthcare plans promote prevention by covering regular checkups, gynecological visits for women and preventative tests such as mammograms, prostate checks and colonoscopies.
If these health insurance benefits weren’t real, then no one would buy it or use it. For all our complaints, health insurance is widely adopted and widely utilized to manage, cure and prevent illness. Many people don't want to acknowledge that a single payer public system is still a form of insurance. People paying into any system to pool aggregate money is a form of insurance albeit either a public or private system.
If you’d like to learn more about the benefits of how to buy a health insurance policy or see what types of policies fit your needs and budget, visit Compare Health Insurance. We are a San Diego health insurance broker.
