Having coverage for doctor office visits enables you to get medical care when you are sick or injured without worrying about the cost. Health insurance will cover or heavily discount the expenses to see physicians, ensuring you pay affordable copays or coinsurance instead of full price. This makes primary care, urgent care, specialists and more accessible.
If you ever need to be admitted to the hospital, costs can quickly skyrocket. With health insurance, you are covered for a significant portion of hefty hospital bills for inpatient procedures, treatments, room charges and more. While still paying deductibles and coinsurance, your total out-of-pocket responsibility is much lower.
Diagnostic tests like blood work, x-rays, MRIs and more are crucial for detecting and monitoring health conditions. With insurance, you can get discounted rates on often expensive lab tests, making them reasonably affordable. This ensures you can get the lab work needed to manage your health.