Why Healthy People Need Health Insurance

Even healthy people need health insurance. Medical plans provide coverage for more than just sicknesses, so simply eating right and exercising do not outweigh the benefits of purchasing a health care policy. Countless situations may arise requiring the involvement of medical professionals. Having health insurance makes the entire process of receiving treatment and obtaining care more efficient and affordable.

Accidents

• Healthy people get into accidents too. How often you exercise and what foods you eat cannot prevent accidents. In many cases, victims of accidents were completely unable to avoid them because of the involvement of other people. The quality of your health is irrelevant because it cannot control the actions of others. Health insurance is necessary to pay for treatment resulting from an accident.

Genetics

• No matter how healthy you are, there are some conditions you cannot prevent or cure. Many diseases stem directly from your genes, and you might be destined to contract them no matter how well you take care of your body. Health insurance is necessary to pay for the treatment of these diseases, as most such services carry price tags outside the financial capabilities of most people.

Cost

• Even if you are healthy, remaining that way requires regular physical examinations and testing procedures. Routine medical checkups and diagnostic tests contribute to your ability to stay healthy, but the cost of these services is exorbitant. Having health insurance reduces the expense of maintaining your healthy body.

Ancillary Benefits

• Many health insurance programs contain ancillary benefits in addition to simply paying for your medical treatment, and these services could cost quite a bit if you had to pay for them individually. For example, one of the most common ancillary benefits attached to medical plans is telephone advice or consultations. At any time, you can call a special phone number to speak with a trained professional who will answer general questions and give advice. These ancillary benefits add value to your health insurance program and enhance your experience. They allow you even more access to resources designed to keep you healthy.