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Health insurance is an incredibly beneficial service to have. Although, health insurance might not be enough, which is why many employers will provide their employees with ancillary benefits. These premiums can be anywhere from 50 dollars to 250 dollars. Considering at least 50 percent of the uninsured population make less than 200 percent of the federal poverty level—which is currently around 24,000 dollars—it’s easy to comprehend why so many feel as if health insurance isn’t beneficial.

Luckily, there are health insurance companies with the goal of providing reasonable prices for a high-quality service. Insurance Line One starts their services at a low price of 5 dollars a day. This creates many possibilities for people in under-resourced areas. It’s unfair most of the uninsured population have to resort to sacrificing other services for this incredibly needed medical care. However, when you understand the benefits of health insurance you’ll be justified in acquiring it, especially when you include ancillary benefits.

Benefits of Health Insurance

Health insurance is here to assist you during stressful financial periods, which usually appear during or after a traumatic period in your life. However, without its service you might end up spending hundreds, maybe even thousands for recovery. Heart disease is the number one killer in the nation and in most states. Heart disease can appear in multiple forms; arrhythmia, high blood pressure, chest pain, and even a heart attack.

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Heart attacks are the main cause for so many of the deaths. Fortunately, the amount of people who are passing because of it has decreased over the years. Nonetheless, it’s important to be aware of the tribulations it’ll put you through. Taking into account at least 50 percent of the uninsured population make less than 24,000 dollars, a heart attack recovery bill will put most in bankruptcy or a life of medical debt.

As a matter of fact, recovering from a heart attack can range between 30,000 dollars and 200,000 dollars. However, with health insurance by your side, this bill can be more than halved. It just depends on the type of “metal” you choose. These “metals” determine how much you spend every month and on out-of-pocket spending. You’ll have four options to choose from; bronze, silver, gold and platinum.

What Do the Metals Do?

Bronze is typically for people with low medical needs and is only planning for the worst-case scenario, which a heart attack would qualify for. It will be able to reduce the total by 60 percent, but you’ll need to spend an estimated 388 dollars a month on it. Granted, you might be one of the millions who want a bigger assistance rate. Silver plans are next in line and will cost you an estimated 428 dollars to have up to 70 percent of the costs covered.

To have up to 80 percent of your bill covered you’ll need to forfeit around 507 dollars every month for a gold package. Finally, platinum services are for those with heavy medical needs and frequently pick-up expensive medication. It’s why you’ll need to spend a costly 583 dollars a month to have up to 90 percent of your bill covered. With a platinum service you will be able to drop your heart attack recuperation bill to a measly 3,000 dollars.

What Are Ancillary Benefits?

Many employers are starting to see the advantage of offering additional health benefits to their employees. Employees are more willing to work and stay with you because they have a reason to continue working for you. However, ancillary benefits can encompass a diverse amount of reliefs.

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The most popular service ancillary benefits offer is the inclusion of dental and vision care. Most people don’t consider these two factors as important health regulators, which is why it’s important to have them. They can track your likelihood of high blood pressure or any other biological hindrances just from an eye exam.

However, ancillary benefits can also include costs at the hospital you might not be aware of. The main point of this service is to provide you with a short-term insurance plan during unexpected events. For instance, you might have been in an accident and in need of medication. These supports will help you acquire those prescription drugs, while saving you money in the long-run.

Cost of Going Uninsured

Many people don’t realize there are repercussions for going uninsured. When the Affordable Care Act was first passed it was meant to make it easier to acquire the service. However, it also placed a penalty for those continuing to go unprotected. The worst part is you won’t even get to choose which fee you want to pay.

The government will pick the more expensive option of the two to incentive you to obtain this service. You’ll be forced to pay either 2.5 percent of last year’s salary or 695 per person uninsured. Not only will you have to pay an astronomically high medical bill, but you’ll also need to shell out hundreds of dollars to the government.

Choosing the Best Healthcare Providers

Health insurance is incredibly beneficial and assists you during strenuous moments. However, the amount of packages out there is enough to cause even the most level-headed to turn to anger. Each package also has their own personalities making it hard to compare similar plans. Thankfully, Insurance Line One wants to change the way we decide on a package. Starting our services at a low price of 150 dollars a month, we already beat out the nationwide average.

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Furthermore, we have meticulously organized our list of services into a carefully laid out format to maximize comprehension. You shouldn’t be confused when making a decision capable of controlling various parts of your life. It’s one of the reasons why we have year-round open enrollment. We want to create as many opportunities for you to obtain this much-needed service. After all, it’s going to be cheaper with health insurance than to go without it.

Sources:
https://www.kff.org/uninsured/fact-sheet/key-facts-about-the-uninsured-population/
https://health.costhelper.com/broken-arm.html
https://www.peoplekeep.com/blog/affordable-care-act-policy-costs-up-in-2017

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