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navigating health insurance

what is health insurance?

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You’re taking this course, so you already know…health insurance is friggin’ complex. Let’s define what health insurance is and why it’s so critical before we get into specifics.

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What is health insurance?

Health insurance is what covers your healthcare risks because medical care is so expensive. You need health insurance when something bad happens–and you never know when something bad might happen. The premise of health insurance is that, by paying monthly fees (called premiums), your insurer can partly cover the cost of your medical bills as they arise. Over multiple years, you’re likely to pay more in insurance than you’d theoretically spend in medical bills and it can feel like you’re getting ripped off. But, if you have a condition that arises or need emergency care, you’ll be very thankful you have health insurance because your insurance payments will be minor compared to the amount that a serious medical procedure would cost.

 

Why do you need health insurance?

So, do you need health insurance? The answer is YES. Much of the time, you need health insurance to even visit a doctor in the first place–and you’ll need coverage for not just primary health care, but also dental and vision (which usually require separate insurance coverage in addition to regular health insurance coverage).

 

Check out our resources to read up on the importance of health insurance–and join us to talk health insurance in the rest of the course, including key terms to know, how to choose a plan, and more.

 

Source(s): healthcare.gov

No account yet? Register

navigating health insurance

what is health insurance?

You’re taking this course, so you already know…health insurance is friggin’ complex. Let’s define what health insurance is and why it’s so critical before we get into specifics.

What is health insurance?

Health insurance is what covers your healthcare risks because medical care is so expensive. You need health insurance when something bad happens–and you never know when something bad might happen. The premise of health insurance is that, by paying monthly fees (called premiums), your insurer can partly cover the cost of your medical bills as they arise. Over multiple years, you’re likely to pay more in insurance than you’d theoretically spend in medical bills and it can feel like you’re getting ripped off. But, if you have a condition that arises or need emergency care, you’ll be very thankful you have health insurance because your insurance payments will be minor compared to the amount that a serious medical procedure would cost.

 

Why do you need health insurance?

So, do you need health insurance? The answer is YES. Much of the time, you need health insurance to even visit a doctor in the first place–and you’ll need coverage for not just primary health care, but also dental and vision (which usually require separate insurance coverage in addition to regular health insurance coverage).

 

Check out our resources to read up on the importance of health insurance–and join us to talk health insurance in the rest of the course, including key terms to know, how to choose a plan, and more.

 

Source(s): healthcare.gov

lessons in this course

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