Skip to content
cdnaas

cdnaas

everything health

  • Medical Supplies
  • Insurance
  • Healthy Lifestyle
  • Treatment
  • Healthy Diet
  • Business
  • About Us
    • Advertise Here
    • Contact Us
    • Privacy Policy
    • Sitemap
  • Toggle search form
3 common health insurance misconceptions

3 common health insurance misconceptions

Posted on December 24, 2021 By Sharika Soukup

Table of Contents

  • ‘If I don’t go to the doctor regularly, it’s not worth having a health plan.’
  • ‘I only need to pay my monthly premium to cover all of my insurance costs.’
  • ‘I can’t afford an insurance plan.’
  • More stories you may be interested in

Estimated read time: 2-3 minutes

This year’s open enrollment for individual and family plans started Nov. 1 and ends Jan. 15, 2022. Understanding the basics of health insurance and how your plan works can help you utilize your plan to the fullest and make more informed decisions when it comes to your health and the care being provided. Don’t be confused by these three common health insurance misconceptions.

‘If I don’t go to the doctor regularly, it’s not worth having a health plan.’

If you or your family do not have an illness or disease to manage, you may believe that having a health plan is unimportant. This is a dangerous—and even life-threatening—perception that may create more harm, especially if you or a loved one gets sick. Today, health insurers, like SelectHealth, provide many benefits that go beyond the basics.

Most plans cover preventive services that can help you stay healthy or detect problems early when they are more treatable. These services—often covered 100 percent—include immunizations, cancer screenings, and annual physicals. Many also offer discount programs for services like acupuncture, LASIK, and gym memberships. Take time to understand the full benefits that a health plan provides, as you may see more value than your initial assumption.

‘I only need to pay my monthly premium to cover all of my insurance costs.’

Your premium is the monthly bill you pay for insurance coverage and to be a member of your health plan. You’ll pay your doctor for any care and services that have been provided, not your health insurer. After you visit the doctor, your health insurer receives a claim that is then processed and will send you an Explanation of Benefits (known as an EOB), which explains what was billed and how much you are responsible to pay. An electronic version of this document is also sent to your doctor, along with a check for any applicable payment. Refer to your EOB before you make a payment to ensure the bill you received is for the right amount.

3 common health insurance misconceptions
Photo: Branislav Nenin/Shutterstock.com

‘I can’t afford an insurance plan.’

This may be true—or it may not be. You may be surprised at the options available to you. Before you enroll on a plan, it’s worth your time to find out whether you qualify for a subsidy or cost-sharing reduction. You may be able to reduce your overall premium cost.

At a minimum, health insurance should provide peace of mind that if you fall ill or get in an accident, you won’t go bankrupt trying to cover medical costs. Health insurance is not always easy to understand—even if you’ve been enrolling on a health plan for years—and you are not alone if you feel lost. However, it’s important to take time to learn more about health insurance and what plans have to offer.

×

NOTE: Comment submissions will be disabled for most stories on Dec 25 & Jan 1st. Happy Holidays!

More stories you may be interested in

https://www.ksl.com/article/50295465/3-common-health-insurance-misconceptions

Treatment Tags:common, Health, insurance, misconceptions

Post navigation

Previous Post: Justices field emergency requests on federal vaccine policies for workplaces, health care facilities
Next Post: Cowdenbeath: Cloud Vapours unveils growth plans over next three years

More Related Articles

Can Shopper Electronics Lend a hand Stem the Decline of U.S. Existence-Years? A Preface for #CES2023 Can Shopper Electronics Lend a hand Stem the Decline of U.S. Existence-Years? A Preface for #CES2023 Treatment
Kendall Jenner and Hailey Bieber proportion fun whilst leaving sushi eating place Kendall Jenner and Hailey Bieber proportion fun whilst leaving sushi eating place Treatment
Gingerbread Caramel Popcorn Gingerbread Caramel Popcorn Treatment
Newsom speaks on plan for universal access to health care Newsom speaks on plan for universal access to health care Treatment
Wellbeing Tourism in India Wellbeing Tourism in India Treatment
Why docs do not brazenly defy abortion regulations, even if sufferers are in peril : Photographs Why docs do not brazenly defy abortion regulations, even if sufferers are in peril : Photographs Treatment
Schads

Recent Posts

  • Relax and Unwind with Massages Near Youngsville
  • 5 Effective Ways to Manage Irritable Bowel Syndrome (IBS) for a Healthier Gut
  • The Fast Food Temptation in Singapore: Could It Impact the Environment?
  • Men’s Diamond Wedding Bands: A Symbol of Elegance and Commitment
  • Discovering the Best Erythritol Sweetener for Your Health and Lifestyle
  • From Sapphires to Rubies: The Engagement Rings of German Nobility
  • Finding Reliable Erythritol Powder Suppliers: A Comprehensive Guide

Categories

  • Air Conditioning
  • Business
  • Communication
  • Dental
  • Disposable Vape
  • Education
  • Food and Beverage
  • Forex
  • Games
  • Health
  • Health and Beauty
  • Healthy Diet
  • Healthy Lifestyle
  • Healthy Parenting
  • Insurance
  • Jewelry
  • Medical Supplies
  • Pet
  • Pet and Animal
  • Real Estate
  • Software
  • Sport
  • Technology
  • Travel
  • Treatment
  • Vape

Archives

Another example

Copyright © 2025 cdnaas.

Powered by PressBook Green WordPress theme