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Why insure your health?

Health insurance protects individuals and their families from high or unexpected health care costs. A good health insurance plan will pay for a significant portion of your medical expenses!

Best ways to save

The best way to keep health costs down is to stay healthy. Also, be sure to choose healthcare providers who are in your plan’s network because seeing a provider outside the network can get very costly. Lastly, don’t be afraid to ask for generic prescriptions drugs rather than the name-brands.

Health Insurance Facts

Before choosing a health insurance plan, it is important to understand the difference between an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization). Most HMO plans require a primary care physician’s referral before you can be seen by another doctor. PPO’s tend to be more expensive but allow for flexibility when choosing a doctor.
A health savings account (HSA) is a personal savings account for people who participate in high deductible health plans. HSA contributions are tax-deductible and grow tax free in your account. You can spend your HSA dollars on eligible health care expenses like copays, prescriptions, coinsurance, etc. And if you don’t use it, you don’t loose it.
No matter how young or healthy you are, it’s always best to err on the side of caution by protecting yourself with a health insurance policy. When accidents happen, having to pay out of pocket for medical care can be devastating. Studies show that those who have health insurance policies tend to get routine checkups and preventative care which in turn leads to a healthier life.