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Health Insurance Innovations: How Health Insurance Protects Your Health and Finances Nobody wants to get sick or meet any accident, but most people need medical care at some point in their lives. For several reasons, people need health insurance. 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. Most health insurance have expanded coverage that outweighs the costs for additional services and benefits. Safety-net care from clinics and hospitals improves access to health care, but doesn’t fully replace for health insurance. Health insurance coverage usually covers hospitalization, laboratory examination, emergency cases, and many other medical and even dental procedures. 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. Even if you have not met your deductible, you tend to pay less for covered in-network health care. You get to avail of free preventive healthcare before you meet your deductibles, such as vaccines, check-ups, and screenings. Every health plan must cover ambulatory patient services, emergency services, hospitalization, 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. Additional health benefits include birth and control coverage, breastfeeding coverage, dental coverage, vision coverage and medical management programs. Always remember that no insurance plan can reject you, overcharge or refuse to pay for essential health benefits for any health condition you had prior to the start of your health insurance coverage. Health insurance plans should not raise your rates or deny you health coverage basing only on your health, once you are enrolled. The preventive services covered by health insurance plans for children include autism screening, developmental screening, alcohol and drug use assessments, hearing screening, immunization vaccines, 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. Our health insurance company can further discuss more information about basic and expanded health coverage, by visiting our website or by contacting us directly.Smart Tips For Finding Policies