Health Insurance

Health care insurance is expensive, particularly if you're buying it on your own or if your employer does not contribute to the cost. However, there are three important reasons why you need it.

  • It is a financial safeguard. Without insurance, you run the risk of being financially wiped out by a serious illness or accident.
  • Without the benefits paid by insurance, you may find the cost of quality health care too high to afford.
  • You may even have to go without treatment if you don't have health insurance.

There is a variety of health care insurance products and coverage plans available today. And, whether your employer offers a plan or plans from which you can choose, or you're buying coverage directly, you're probably aware that health care insurance has a range of costs and benefits. Consequently, as a consumer of health care insurance, you'll want to select affordable coverage that's right for you. To help determine the best coverage, there are several important details about health insurance with which you'll want to be familiar. Be sure you know exactly what illnesses and conditions are covered. Once you select a policy, you will make a monthly payment, called a premium, in exchange for coverage. Typically, payments are made directly to the insurer; some employers provide for payroll deduction. In exchange for your premium dollars, insurance policies commonly pay for all or a portion of the following:

  • Hospitalization
  • Medical tests and X-rays
  • Surgery
  • Maternity care
  • Pediatric care
  • Doctor's office visits

Conditions and treatments that are often excluded from coverage include the following:

  • Cosmetic surgery, except after a disfiguring accident or surgery
  • Hearing aids
  • Eyeglasses
  • Dental care
  • Preventive care, such as mammograms, immunizations or well-baby care
  • Experimental care or treatments not recognized as necessary by the medical establishment. However, some major insurers are starting to include coverage for alternative therapies such as chiropractic, diet and nutritional programs and acupuncture.

For all your Individual and Group Health Insurance, Life Insurance, Health Plan for Seniors, Disability Insurance, Cancer Insurance and Dental Insurance needs, contact Jess Akin Insurance at: 281-955-9540 or toll free: 1-800-922-0472

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