Benefits and Gaps in Healthcare Coverage

Apr 2, 2018 by

Living a long, healthy life isn’t an inexpensive feat. Aside from the continually rising cost of living, any number of health issues could crop up along the way. Though what doesn’t kill you makes you stronger, visiting the doctor to determine which end of the spectrum you’re up against comes at quite a price. Plenty can be said for the advantages of having dependable healthcare coverage.

Benefits of Health Insurance

Regular checkups alone go a long way toward thwarting more serious and expensive health issues, but even those carry considerable costs. Once treatment, prescriptions, follow-up, dental and vision care, and all those other elements enter the mix, the expenses just keep creeping upward. Healthcare coverage has become a necessity.

  • Partial Coverage of Routine Visits. Health insurance does its part to cover portions of check-ups, follow-up appointments, and other routine trips to the doctor. When facing a potential $200 outlay on a single visit, every little bit certainly helps.
  • Limited Hospitalization Assurance. Hospitals charge a premium for their time and attention. A single trip to the emergency room for scans could cost $8,000 or more. For routine surgery and a few days’ stay, you’ll be facing at least double that amount. Insurance takes on a good bit of the expense on your behalf.
  • Finite Prescription Coverage. Though many pharmacies have taken the surging cost of prescriptions into their own hands, countless medications don’t fall under their price-protection umbrellas. These days, $50 could be considered cheap for a potentially lifesaving drug. Prescription coverage helps lighten the load.

No doubt the cost of being healthy is going nowhere but up. It’s gotten to the point where a number of people can’t afford to have their prescriptions filled because of the price of visiting the doctor. Insurance coverage makes the burden somewhat more bearable.

While health insurance does cover a great many medical expenses, it certainly isn’t all-inclusive. Co-pays run amok, and certain treatments, healthcare providers, prescriptions, and other factors just aren’t covered by most types of insurance. You might say the traditional safety net needs a buffer of its own. For more information on ways to fill the typical gaps, follow this link.

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