Health insurance can be a complicated subject. Misconceptions about health insurance can make it even more challenging to make good decisions concerning your coverage. By discussing your healthcare needs with an agent from Accesspoint Insurance, you can get a better idea of what’s real and what’s not. The following health insurance facts will dispel fictitious statements you may have heard about health coverage.
Fiction: Health insurance covers 100% of your medical costs.
Fact: Depending on your policy, your health insurance may not cover all of your medical costs. Most policies share medical expenses with their customers by way of a deductible, copayment, or out of pocket limit. At Accesspoint Insurance, we’ll go over these aspects with you to ensure you fully understand your financial responsibility and what is and isn’t covered by your policy.
Fiction: I’m young and healthy; I don’t need health insurance.
Fact: Health insurance offers a means of protecting your assets in the event you fall sick or have an accident. No one is immune to sickness or accidents. With health insurance, you can have peace that you won’t go broke paying hospital or doctor bills due to an unexpected health condition or accident. Health insurance in Palm Beach County, FL can also help keep you healthy by offering preventative services like annual physical exams, cancer screenings, immunizations, and more.
Fiction: All healthcare plans offer the same coverage.
Fact: Health insurance isn’t one size fits all. Plans vary to suit your medical needs and budget. Some policies have restrictions concerning the physicians you can see or the services they’ll cover. By working with a trustworthy agent and reviewing your policy carefully to ensure it meets your healthcare needs, you can avoid costly mistakes in your coverage.
To learn more about health insurance coverage and costs in Palm Beach County, FL, contact Accesspoint Insurance today.