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Do you have health insurance?

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Do you have health insurance?

We will help you understand how to obtain, pay for and use health insurance.

This presentation will help you understand how to get health insurance, how to pay for health insurance, and
How to use it now.

Health insurance can be confusing, but it is also very important. We need to be smart buyers to
We understand how much it will cost and what will help our families the most.

Insurance in general

Protects you financially if something bad happens to fix it or recover from an expensive

Insurance generally aims to physically protect you in the event that something bad is repaired or expensive
Recover from. You can get insurance for your car, life, apartment, or even your phone. when you have
Sure, you pay a little every month. If there is an accident, the insurance company will help cover some
Of the costs for you.

Health insurance does more

It helps to pay for big events, but also for small events.

Health insurance does more. Pay for big unexpected events, but also for some minor events,
More things to expect. For example, it helps with the cost if you are in the hospital, as well as when you receive
Routine check up. This is great because it means you can fix any little health problem soon
I realized this, instead of waiting for the problem to get worse and really get sick.

Health insurance protects you financially

If there is an accident, the insurance company will help cover some costs.

If you don't have health insurance yet, you may think you don't need it. But what if you are in
A car accident or your husband falls off a ladder? What if you are depressed and do not seek advice?
Why was it too expensive? Did you know that a trip to the emergency room can cost more than a month?
Rent - over $ 1200? So what happens if you go into the hospital and need medical care for a month?
Or more? It is a bet that is not worth it. With insurance, you can manage these events that could affect
You or your family. Without insurance, these bills will quickly add up, be destructive, and also cost
much.

Basic health benefits

All plans sold in the market include these benefits

Regardless of the type of insurance you have, your plan should help you pay for 10 important health services.
Services. They are called basic health benefits. They include:
  1. Outpatient care: the type you receive without hospitalization
  2.  Laboratory tests.
  3. prescription drugs
  4. Preventive and wellness services and chronic disease management, such as education on how to do this. Diabetes management
  5. Trips to the emergency room: These are very serious problems that cannot wait (like a broken bone, Heart attacks and serious accidents). If you came to the emergency room and it wasn't that bad, Insurance may not be covered.
  6. Hospitalization (like surgery): this is when you are admitted and hospitalized For hospital care.
  7. Care before and after your baby is born
  8. Help with mental health, drug or alcohol abuse problems, counseling and treatment.
  9. Services and devices to help you recover if you have a chronic illness, disability, or condition: Things like physical and occupational therapy, speech and language pathology, and psychological rehabilitation.
  10. Dental and vision care for children: will be provided but does not have to be purchased.

Share costs

She pays most of the bills, but still has to pay some of them.

Health insurance doesn't pay for everything. Usually, you pay most of the bill, but you still have to pay part.
This is called cost sharing. The amount you pay depends on the type of plan you have. Habit,
The more you pay monthly for insurance, the less you will pay when you go to the doctor.
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