You can make up many reasons not to have it: it is expensive, you are healthy, it isn't really necessary, it doesn't really do anything. Yet when it comes to FL health insurance, there is one important reason to have it: because you just never know. Keeping yourself and your family covered with a health insurance plan may seem like an unnecessary financial burden, yet there are few other bills that could be more important. Let's take a look at three common myths surrounding the need for health insurance and see how the logic really plays out.
Myth number one: health insurance is expensive. Half true. FL health insurance is not cheap, but it is not nearly as expensive as not having it. In this tough economic climate, many people look at the cost of health insurance and cringe. Since it is still not a state requirement to hold personal health insurance, it is easy to cross it off the budget as a mandatory expense. Yet while you may feel relieved you are saving a few hundred dollars a month by not paying for it, you will feel much differently if you end up unexpectedly in the hospital for any reason. For example, if you happen to develop appendicitis, a very common condition, it will cost you up to $20,000 to have the infected organ removed. And since removing the organ is the only way to treat this condition, you will have no choice but to pay that fee. Now imagine the cost of caring for a broken limb, being treated for a viral infection, or needing pregnancy care. As you can see, the few hundred a month in health insurance premiums is nothing compared to other bills you could be faced with.
Myth number two: I don't need Florida health insurance because I'm healthy.
False. Sure, you are healthy today, but what about tomorrow? Healthy people commonly make the mistake that they don't need insurance because they are in good shape. Yet you cannot predict the future, and you can't prevent accidents from happening. Who knows when you may need a few stitches, a small cast, or when you might need a regimen of antibiotics? Furthermore, just because you feel healthy doesn't mean you actually are. Annual physicals are the only way to truly know you are healthy, and most people who don't have insurance will not go to the doctor's office due to the out of pocket expenses. Even if you feel fine physically now, such a checkup could catch a serious condition early.
Myth number three: Health insurance doesn't really do anything. False. Many people believe the misconception that just because they still need to pay some of out of pocket expenses for medication or doctor's visits that health insurance doesn't really do anything. Yet nothing could be further from the truth. Common prescription medications - such as blood pressure reducers, blood thinners, and oral contraceptives - can cost anywhere from $50 to hundreds of dollars per refill. Similarly, a trip to the doctor's office without insurance can cost several hundred dollars, yet with insurance it is generally relegated to a nominal co-pay of around $20.
This current economic climate makes everyone look at their current list of expenses and ask, "Is this really necessary?" When it comes to FL health insurance, residents should always keep the aforementioned expense on the mandatory list. After all, it is always better to be prepared for what might happen than to wonder how you will ever pay for those unexpected medical bills.
Myth number one: health insurance is expensive. Half true. FL health insurance is not cheap, but it is not nearly as expensive as not having it. In this tough economic climate, many people look at the cost of health insurance and cringe. Since it is still not a state requirement to hold personal health insurance, it is easy to cross it off the budget as a mandatory expense. Yet while you may feel relieved you are saving a few hundred dollars a month by not paying for it, you will feel much differently if you end up unexpectedly in the hospital for any reason. For example, if you happen to develop appendicitis, a very common condition, it will cost you up to $20,000 to have the infected organ removed. And since removing the organ is the only way to treat this condition, you will have no choice but to pay that fee. Now imagine the cost of caring for a broken limb, being treated for a viral infection, or needing pregnancy care. As you can see, the few hundred a month in health insurance premiums is nothing compared to other bills you could be faced with.
Myth number two: I don't need Florida health insurance because I'm healthy.
False. Sure, you are healthy today, but what about tomorrow? Healthy people commonly make the mistake that they don't need insurance because they are in good shape. Yet you cannot predict the future, and you can't prevent accidents from happening. Who knows when you may need a few stitches, a small cast, or when you might need a regimen of antibiotics? Furthermore, just because you feel healthy doesn't mean you actually are. Annual physicals are the only way to truly know you are healthy, and most people who don't have insurance will not go to the doctor's office due to the out of pocket expenses. Even if you feel fine physically now, such a checkup could catch a serious condition early.
Myth number three: Health insurance doesn't really do anything. False. Many people believe the misconception that just because they still need to pay some of out of pocket expenses for medication or doctor's visits that health insurance doesn't really do anything. Yet nothing could be further from the truth. Common prescription medications - such as blood pressure reducers, blood thinners, and oral contraceptives - can cost anywhere from $50 to hundreds of dollars per refill. Similarly, a trip to the doctor's office without insurance can cost several hundred dollars, yet with insurance it is generally relegated to a nominal co-pay of around $20.
This current economic climate makes everyone look at their current list of expenses and ask, "Is this really necessary?" When it comes to FL health insurance, residents should always keep the aforementioned expense on the mandatory list. After all, it is always better to be prepared for what might happen than to wonder how you will ever pay for those unexpected medical bills.
About the Author
Kaila West is a writer on a variety of topics, including Health Insurance. Be preapred for the unexpected with FL health insurance. Visit GetOnlineQuotes.com for more information.
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