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5 Benefits of Individual Health Insurance

Health insurance

Having whole life insurance in California has numerous advantages, as does having individual health insurance. Individual health insurance protects your body and your finances in the same manner as car and home insurance. Even if you’re in the best of health, having coverage means you have financial peace of mind that you and your family will be taken care of should you become ill and need expensive medical treatment. If you’re on the fence about purchasing this kind of insurance, keep reading to learn more about the benefits.

Hospital Visits are Expensive

Even the healthiest people have accidents that require a visit to the hospital. Did you know that if you break your leg while rollerblading on a warm, glorious day that you could end up spending as much as $7,500 to repair the break? That doesn’t even include the price of an emergency room trip, which costs as much as $1,000. The truth is the no one ever sees themselves going to the hospital, but accidents do happen, and insurance helps you pay for the care you need.

Save Money

Ask any health and life insurance broker in California about employer-sponsored health benefits and they’ll tell you that you’re paying too much. Most people assume they’re getting a good deal when they purchase health insurance through their employer. In reality, it’s possible to find individual health plans that cost less, cover more, and offer valuable tax savings. When it’s time to renew your insurance with your employer, take a moment to consider individual plans not sponsored by the company.

Are you covered

Better Health

Most people think of health insurance as a way to pay for expensive major medical problems. However, when you have health coverage, most plans offer free, yearly preventive care visits that include visits to the OBGYN for women and pediatricians for children. If you’re considering getting California universal life insurance, it’s important to keep your health in check so that you qualify for the lowest rates and the best terms. Utilizing your health insurance to stay on top of your health is one of the greatest benefits that most individual health plans offer. Remember, these visits require no out-of-pocket costs, and some health plans also include free yearly vision and dental visits as well.

Travel with Confidence

Do you frequently travel for work or pleasure? Do these travels take you out of the country? Nothing is scarier than getting sick in a foreign country. If you don’t have health insurance, you could end up with a travel bill that’s more than you bargained for. When you have insurance coverage, you can travel with peace of mind that you’re protected if you become sick when not in your hometown. Of course, before you travel, it’s recommended to make sure that the coverage you bought from a health and life insurance broker in California covers you under any circumstances.

Financial Peace of Mind

Medical problems can pop up at any moment. Hopefully, you’ll live your life without major illnesses or hospitalization, but you can never know what the future holds. Therefore, it makes sense to purchase insurance products like health insurance and California universal life insurance to make sure that you’re never left feeling strapped for cash should a medical problem arise.

If you’d like to learn more about valuable insurance products that go beyond individual health plans, contact California Brokerage for more information about California whole life insurance.