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    Why is health insurance important? You may be surprised!

     Why is health insurance important? You may be surprised!


    Health insurance doesn’t have to be boring! You may think that health insurance doesn’t matter because you don’t need it now, but your circumstances could change in the future and you’ll want to be prepared. The truth is that in today’s world, no one is immune to getting sick or hurt, and having the right type of health insurance can make all the difference when it comes to paying your bills while you recover or even saving your life through organ donation.

    1. Health Insurance can help you avoid financial trouble

    1.1:save money on health insurance 

    If you're like most small business owners, one of your biggest concerns is making sure you have enough money to cover all your expenses. The truth is that even if you have a large savings account or significant equity in your home, it can be very difficult to pay out-of-pocket for large medical bills. If you don't have health insurance and something unexpected happens, it could mean a financial disaster. A serious illness or accident could leave you without a way to pay off medical bills and all of a sudden even simple day-to-day expenses start getting much more difficult. When you think about it that way, health insurance isn't just an extra expense; it's an investment in your financial future.

    2. The Effect of Health Care Reform on Mental Health

    What are some of your own experiences with managing mental illness, or what do you hear from others? Has there been a lack of affordable options for private medical insurance, thus limiting treatment and delaying recovery? What about group health insurance for small business owners and families who didn't have access to quality healthcare. If so, how does Obamacare affect these populations, and how does it improve access to mental healthcare resources in America. We'll find out more details as information becomes available in November. In general, Obamacare advocates hope that more Americans will sign up for private medical coverage. As a result, we might all end up having a better chance of maintaining our mental well-being and staying productive despite pre-existing conditions.

    3. The State of our Health Care

    3.1:save money on health insurance 

    Why Private Health Insurance is Essential. As if we didn’t have enough to worry about, now there’s a new healthcare saga to contend with. Private healthcare providers are pushing for changes that will provide patients with faster access to specialists and treatments, but private health cover should still remain available so that Australians have choices when it reaches to their health care. These sweeping changes—which will deliver fewer waiting times for surgeries and consults—will undoubtedly benefit those who need it most.

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    4. Is your mental illness treated differently from other medical issues?

    There’s a stigma attached to mental illness that often makes people hesitant to talk about it. However, depression and anxiety aren’t taboo. They affect millions of Americans every year. And when untreated, they can create problems for you both personally and professionally. It's important to know that in many cases, medical treatment for depression and anxiety is covered by health insurance. It doesn't matter if you have large company coverage or individual plans; coverage varies depending on your plan but almost all health care programs will cover medication (particularly antidepressants) or therapy sessions with a licensed mental health professional. If you need more help finding out whether your mental illness treatments are covered by your plan, start by consulting your insurer's website or speaking with a representative over the phone.

    5. Who gets treatment for mental illness?

    5.1:save money on health insurance 

    According to a new study by researchers at Johns Hopkins University and Harvard, uninsured adults with serious mental illness get less treatment than their insured counterparts. When you don’t have your own coverage, it can seem like there are few options for getting help if you need it. But that doesn’t mean there aren’t places to go for help when you need it most—and there certainly isn’t a lack of people who want to help. It just means your options might look different than those of someone with insurance and that getting access can require a little bit more work on your part.

    6. What are the most common mental illnesses in America today?

    Taking care of your mental and physical health should be a priority, especially when you’re managing a small business. If you suffer from one of these common mental illnesses, rest assured that it is not your fault and some medications and professionals can help. Here are three common mental illnesses in America today: Anxiety Disorder: This condition affects more than 40 million Americans each year. Feelings of worry or fear are so severe that they interfere with daily activities. People often experience shortness of breath, nausea, or increased heart rate times.

    7. Do all Americans get their mental health needs met?

    7.1:save money on health insurance 

    According to a report from the nonprofit Mental Health America, as many as 43.8 million Americans don’t receive mental health services. To put that in perspective, that’s about one out of every five people who are dealing with a mental illness. If you or someone you know needs help getting access to treatment, there are ways to fight for your rights. An estimated 1 in 5 adults has a diagnosable mental disorder in any given year; by 2020, it’s projected that number will grow to nearly 1 in 4.

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