Now more than ever, it’s important for everyone to have some form of health insurance. According to the insurance experts at American Tri-Star in San Diego, here are some of the top reasons to make sure you have a suitable and affordable policy.
It’s the Law
Securing a San Diego health insurancepolicy can free you from having to pay a fine. The Affordable Care Act included several changes to the traditional healthcare system in America, and one of the main changes was the requirement for all citizens to carry health insurance. If you do not have health insurance, you will have to pay a fine when you process your income taxes. The amount of the fine has gone up since the country first implemented the Affordable Care Act in 2010.
For Regular Checkups, Emergencies, and Backup Funds
Certain diseases, such as cancer, can be sent to a state of remission if doctors diagnose them early. Without health insurance, you are not as likely to have the frequent checkups and doctor’s visits that can lead to early detection of serious health conditions. You are also less likely to receive high-quality care if a disease develops or if an emergency arises. Health insurance can provide you with backup funds for surgery, hospital stays, prescriptions, and other medical needs.
To Ensure You Receive Disability Compensation If Needed
A disability compensation benefit can act as a buffer in case you fall ill with a disability that keeps you from working. The funds from the disability benefit can carry you over so you can continue to pay household bills and survive during times of struggle. Disability benefits can vary depending on the agency providing the benefits and the premium the consumer pays. Through an employer-paid policy, benefits may be 50 percent of your income or more.
To keep yourself protected, make sure you have the right health insurance in place. For a free quote on affordable health insurance as well as auto, commercial, homeowners, and bond insurance in San Diego, contact American Tri-Star today at 619-272-2100. One of our friendly agents would be happy to answer your questions.