When we think about the importance of health insurance, our mind often goes to the worst-case scenario. Certainly, insurance is critical in the case of a serious injury or illness. When you purchase health insurance, you start benefiting immediately. Even if your plan has a deductible – the out-of-pocket amount you need to pay before your coverage fully kicks in – you will pay significantly less for office visits
than you would without insurance, assuming the health care providers you see are within your network. Some plans also offer reduced-price generic drugs and free disease management programs. Plus, having health coverage can put you in a better position to prevent or spot difficult – and often costly – illnesses early on.
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