You wouldn’t buy a house and not insure it, or a car for that matter. Why wouldn’t you put the same protection on your life? But I know, I hear it all the time: “I am young, healthy, and I never go to the doctors.” Have you ever Googled the cost to get your appendix removed? Here is what I found when I did:
In April, University of California San Francisco researchers set out to find out how much an appendectomy cost among 19,000 patients in California. An appendectomy varied in price from $1,529 to $182,955, the researchers wrote in the study published in the journal Archives of Internal Medicine, Jan 1, 2014. I don’t know about you, but I don’t have an extra $182,955 just laying around.
Health insurance is there to protect you from surprises – unexpected, high medical costs. Although you may be healthy now, the onset of a serious or chronic disease such as cancer or diabetes can leave you with staggering bills. Inability to pay these is one of the most common reasons for person bankruptcy.
Health insurance saves you money for health care provided in-network. This includes the necessary follow-up care such as rehab or whatever service is needed to return to full function after surgery or illness.
Health insurance provides free preventative care even before your deductible is met. Annual check-ups and preventative care such as mammograms and colonoscopies, mean you’re likely to stay healthier and catch health problems earlier.
Don’t take chances with your health!