Health Insurance Myths Debunked

​Health insurance is already a necessity. We must have the financial protection we need as health care costs are skyrocketing. However, most of us believe that getting health coverage is not a good idea. That’s primarily because of the many misconceptions we hear from our peers. The thing is, not everything we hear is true. Here are some of the common myths about health insurance.
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Health insurance premiums are expensive.

Most people believe that health insurance is expensive. Because of that, they don’t bother exploring their options. You may qualify for a subsidy if you’re a low-income earner. Otherwise, you can ask your insurers for discounts and tips on how you can further reduce your premiums.

You won’t be getting health care services unless you pay your deductibles first.

Although insurance policies for auto and home require policyholders to pay their deductibles before a claims payout, this may not hold true for health insurance. There are certain services where you need to pay your deductible before insurers pay for them. But most plans will give you access to preventive services even if your deductibles haven’t been met yet.

You’ll still pay huge out-of-pocket medical expenses.

We must admit that when it comes to health insurance, some people may pay may more than just their premiums.

• Co-insurance – a percentage of the costs you need to pay for the services you received.
• Co-payment – a fixed amount that you need to pay by the time you receive health care services.
• Deductible – an amount that you need to pay before your insurer pays for certain services.

But, note that, the plans from the health insurance marketplace may have a limit on out-of-pocket costs. Once this limit is reached, insurers will pay the remaining balance.

Injuries from dangerous hobbies are not covered.

Any injuries, no matter how they are sustained, will be covered by your health insurance. However, your insurance may exclude coverage for certain services like infertility treatments or certain immunizations. These exclusions are laid out in your policy so that you will be aware that there are instances where your insurers will not pay out.

Health insurance will cover you wherever you decide to get health care services.

It is important to note that some health insurance policies use a network of providers where you can get health care services from. However, you can opt for preferred provider organizations (PPOs) where you get to choose your provider (even if it’s outside your insurer’s network).

Also, your insurer may also have a different network of providers for various plans. Thus, even if you and your friend have the same insurance policies with the same insurer, you may not have access to the same providers.

Roper Insurance Services is an independent agency that offers health insurance based on your individual needs. Our policies can also be tailored according to your budget. Talk to one of our agents about how you can save money on health insurance and get a free quote from us now. Call us at (828) 388-1851 or visit us today!