People need health care plans because the rising costs of medications, physical checkups and surgeries are often expensive without health insurance. For example, if you had a medical bill that costs over $1,000, your health plan can cut the cost by paying part of the bill. Health care plans also provide incentives for people to be more proactive with their health.
Benefits Employers
Employers are always seeking ways to increase employee productivity and offer new incentives in the hopes of retaining them. One way employers do this is by offering employees health plans. With these plans, employees can focus more on work and less on health care worries.
Benefits Low-Income Families
Some low-income families' employers do not offer health insurance, so they often turn to affordable private health plans or government-funded health plans. This helps families receive quality care and it keeps extra money in their pockets.
Benefits Senior Citizens
Because Social Security benefits and Medicare don't always cover certain expensive medical treatments, it's a good idea for senior citizens to have health plans. With the health plans, senior citizens have better access to a wider variety of medical treatments at reduced prices.
Life Emergencies
When you experience a temporary period of unemployment, you'll still be able to continue your health benefits through the COBRA program. In COBRA, the government provides health insurance to former employees and their families for 18 months.
Considerations
When shopping for health insurance, take a look at the benefits each plan offers, the monthly costs, and conditions that exist within the plans.
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