If you're wondering why health insurance is important – especially if you’re one of those people who never get sick – you're not alone. Since most people try to make healthy life choices and tend to maintain good health overall, it can be hard to see the value of having health insurance.
But to understand why health insurance is important, you first need to know how it works – and how it protects you from the unexpected.
Basically, health insurance is an agreement or contract between you and an insurance company. When you buy a plan or policy from BlueCross BlueShield of Tennessee we help you pay your doctors and other health care providers when you get sick or hurt. We also help you pay for care that keeps you healthy, such as vaccines, prescription drugs, checkups, and preventive tests and screenings.
Plus, you save on health care costs when you're insured because health insurance companies use their buying power to negotiate lower rates for members.
Of course, each policy or plan is a little different. Health plans are priced based on the amount of coverage they provide. This is why health insurance may pay more or less of the costs. Usually, the more coverage you choose, the higher your premiums will be.
That's why, when you're shopping for a plan, it's a good idea to compare the kinds of health care, treatments and services that are covered, along with the amount each plan will pay under different situations.
Health insurance protects you and your wallet from paying all of the costs of care when you're sick or injured.
You never know when you or someone in your family will get the flu or break a bone. Health insurance protects you from paying all of the costs of care, which sometimes can be substantial. With the average three-day hospital stay costing $30,000 or more, the biggest reason why health insurance is important is to protect you – and your wallet – against the unexpected.
That's also why health insurance usually includes coverage for routine checkups and preventive care. Staying healthy helps you avoid the high cost of treatments for serious or chronic health problems. And checkups and screening tests can detect health problems early, when they are easiest to treat.
Changes in health care mean that health insurance should be more available – and will likely be more affordable – to almost all Americans who need coverage. And BlueCross BlueShield of Tennessee can help you make a smart choice for your and your family’s health.
Whether you just want to learn more about these changes or need help getting ready to shop for a plan, we're here to help you understand why health insurance from BlueCross BlueShield of Tennessee is a smart choice for your health and your budget.
This is an estimate for a 2016 plan and does not include any financial assistance you may be eligible for from the federal government. Your actual rate will depend on information entered in your application for coverage.
Make sure you have all the information you need to choose the right health plan for you.Learn More
But you could still qualify for affordable coverage if you’ve had a life event. These events include marriage, a new child, moving to a new area, losing coverage through your job, and other life changes. See if you qualify!Shop for Plans
We've been there for Tennesseans since 1945 – and we'll be here for you, too.Why Choose Blue
Find out if you can get a break on costs. You might be surprised at what's available.Learn About Cost Savings