Many people are unaware of the importance of health insurance. Perhaps you’re one of the many who feels that because you never get sick or you can handle anything with an over-the-counter medication, you don’t need insurance.
The truth is that having private medical insurance is far more beneficial to you than you probably realize. While there’s much to be said about insurance companies and the politics associated with medical insurance, the benefits still have a way of making insurance worthwhile.
Better health care
Those who possess health insurance have access to better health care. The average amount of quality and time medical professionals spend with the insured is significantly higher than the time they spend with uninsured patients.
Uninsured patients are not always provided with the number of screenings and preventive care needed to test for various illnesses and disease.
The uninsured often go without medical care
Without insurance you are less likely to consult a physician when something’s wrong. Additionally, the uninsured are less likely to attend follow-up appointments when something’s not right. While there’s nothing wrong with deciding not to call the doctor every time you sneeze or sniffle, there is a problem with not contacting the doctor when something could be seriously wrong.
When you have an unexplained injury or illness, leaving it untreated could further damage your health. For example, not going to follow-up appointments if you have a broken bone can lead to improper healing that affects you the rest of your life.
Obamacare and Insurance
Many people who have no insurance are excited about the prospect of being able to afford it now through the implementation of Affordable Care Act, known familiarly as Obamacare. What most people fail to realize, however, is that the health care act has had a number of negative effects across the country.
For example, many businesses will not be able to afford the mandatory costs of insuring their full-time employees, which means hours may be cut for some. Additionally, this will require the added expense of hiring temporary staffers to make up for the hours that formerly full-time employees no longer work.
Obtaining medical insurance is a necessity. It’s something you have to have. Even if you don’t think you’d use it enough to make it worthwhile, you still need it. Should anything ever happen to you, insurance will make it possible for you to receive the treatment you need without the expense of paying out of pocket.