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Top 10 Reasons For Health Insurance


At IBD Insurance we hear the question all the time. "Why do I need health insurance?" Understandably there are many who just can't afford it for a variety of reasons. But if you can afford it and you don't have medical insurance then you're taking a chance with your own health. As a licensed Blue Cross Blue Shield of North Carolina (BCBSNC) agent we work with people in all types of situations to help them find an affordable, quality plan they can use for themselves, their family or if they own a small business, their employees. Why would you willingly choose to not have good health insurance like BCBSNC if you can have it? Rather than go through a list of reasons addressing why people don't have health insurance, here are 10 reasons you should have health insurance.

  1. Better Treatment Options -- Not having medical insurance means not having the freedom to have choices when it comes to your medical issues. This would also include other things connected to your treatment. Imagine going to a restaurant that had a full menu but you could only choose a few of the items.
  2. Less Time Worrying -- If you get sick or need to have surgery you're more likely to be worried and stressed about it if you didn't have a good insurance plan like one that IBD insurance can provide you with. When you have to start weighing the necessity of medical treatment over the expense then it's time to get health insurance.
  3. You may not get coverage at work -- Because of the rising cost of health care more and more employers are not choosing to offer group health insurance plans. Even if they do, the plan offered may not have the features and options you need.
  4. You might not have coverage for pre-existing conditions -- If you're uninsured or you switch from group insurance to an individual plan or vice versa your current health issues may not be covered in the transfer. Imagine developing diabetes or having an accident that requires continued medical needs and not being able to afford treatment because your new insurance won't cover it. 
  5. Prescriptions become affordable -- It's common knowledge that prescription medication is expensive to the point of absurdity at times. Without medical insurance people are forced to pay the full price for medication and as such they may decide not to fill that prescription. Clearly not a wise choice but if the cost is prohibitive then people are actually willing to risk their own health. In doing so, you stand the chance to create new health issues when the simple solution would be to get health insurance even if it's mostly to handle the costs of your prescriptions.
  6. Preventative care -- A good percentage of people simply rationalize not going to the doctor because a.) They decide they only need to go when they're ill and b.) They can't afford it. Having regular checkups means a greater chance discovering something that could be managed rather than finding out after the fact. IBD insurance can help you find the quality care and features that best suit you so that you can take care of your health before it's too late.
  7. Better chance of paying off your medical bills -- It may surprise you to discover how demanding hospitals and medical facilities are when it comes to paying off your bills. Why go through the hassle of dealing with that or the stress of worrying if your bill will go to collections when you can have a better chance of handling your bill when health insurance pays for a portion of that expense. The choice should be clear.
  8. Better chance of not having medical debt -- Just one trip to the emergency room can run up to $700. One trip. Now add on to that any procedures and continuing care and you have what could be an insurmountable debt if you don't have medical insurance.
  9. You can get the treatment you need -- You've probably said this to yourself before, "I can put this off because I just can't afford it right now." Think about this though, the more you put off that treatment the more you run the risk of creating more complications which will end up costing you more than if you had simply taken the time to get health insurance and taken care of the problem when it was first encountered. Any treatment you need should never be taken lightly and IBD insurance wants to help you have the coverage you need so you don't have to make excuses for taking care of yourself.
  10. You'll be better prepared for the future -- As ideal as it sounds, you can't just get health insurance when you need it. When it gets to that point it's already too late whatever coverage you acquire will not give you the support you need. Would you wait until your car is wrecked to get car insurance or tell your children to apply to college after they've graduated high school? Why would you treat you or your family's health that way?


Get the coverage you need today and be prepared for tomorrow. Call IBD Insurance and let us find a BCBSNC plan that works for you.






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IBD Insurance Services, Inc.
3733 National Drive, Suite 232, Raleigh, NC 27612
Phone: 800 615-5980
FAX: 919 510-8876
http://www.ibdinsurance.com

ibd Insurance Services, Inc. of NC is an independent authorized BCBSNC producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by ibd Insurance Services, Inc. of NC. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.


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