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Common Misconceptions About Health Insurance

health insurance myths

“Access to health insurance has a tremendous payoff” -Randy Dunn

It has been said that among man’s possessions, the greatest wealth is found in health. True as this may be, men and women alike are often seen neglecting their health and putting it in the backburner in pursuit of trivial affairs such as vices and the utter disregard for stress and disease. However, even those who take excellent care of themselves are not immune to developing diseases as it can strike anyone at anytime. Anyone is susceptible and for this reason, we should be adequately prepared. Today, accidental health insurance and other forms of insurances have been developed to guarantee that the average individual may avail of health care services even in the event of shortage of funds. Unfortunately, most individuals resist the idea of buying health insurance thinking of it as an added and unnecessary expense. Others have been misinformed by misconceptions they have formed as regards it such as the ones listed below:

1) Smokers are not eligible for health insurance

A huge fraction of individuals fail to get their health insured for the reason that they believe that their smoking habit or dalliance with the habit in the past makes them ineligible for a health insurance, or else they would have to pay an exorbitant premium for it. While you may pose a higher risk for health insurance, this does not immediately disqualify you. Although you are required to undergo stricter health tests before health insurance would be offered.

2) Fit individuals need no insurance

Fit individuals have a feeling of invincibility and invulnerability about them simply because they choose to lead a healthier lifestyle by going to the gym regularly and maintaining a healthy diet. Although these are excellent things that would certainly keep you healthy, they are no safeguard to diseases you might develop. There are other factors such as accidents and genetic diseases you have no control over and might develop. With this in mind, it is still better to be prepared sufficiently.

3) Employer provided insurance is sufficient

More often than not, your employment will offer you some benefits and health insurance would be one of them. Unfortunately, should you need any surgeries or hospitalization, your employer provided insurance would barely cover the costs. Group insurance policies and individual ones have a stark difference and while your corporate policies might be useful, they would not cover your aging parents and dependents and may even require you to make additional payments.

4) You are paid only if you are hospitalized

Many individuals would not get themselves insured as they think they would only benefit from a health insurance when they get hospitalized or get sick. However, this is far from the truth as it is not always necessary to be hospitalized just to undergo a surgery. In some cases, you might develop scars, warts or any other ailments that would require only out-patient procedures which do not require any hospitalization at all. Additionally, some health insurance policies would extend beyond anything health related ailments and would also cover dental ones making it even more beneficial to those who are insured.