888-765-5400Protecting Your Family
Health insurance protects you from the financial burden of high medical expenses. An injury as relatively common as a broken arm or leg can quickly cost quite a bit of money. Add up an emergency room visit, x-rays, lab tests, setting the injury, a cast, follow-up visits and medications- soon your bill is over $10,000! A more serious illness or injury, such as a major car accident or a diagnosis of cancer, can easily cost hundreds of thousands of dollars.
Health insurance helps pay for these expenses, allowing you to concentrate on your health and recovery, not your medical bills. Your health care costs less when you have coverage. Insurance companies negotiate with doctors and hospitals, getting lower rates for their customers. From office visits to emergency room visits, from simple procedures to surgery, the cost of medical treatment is much lower if you have insurance than if you don’t have insurance. A doctor visit that would cost $150 without insurance may cost only $70 with insurance. That’s a savings of over 50 percent.
Health insurance companies offer their customers special programs and resources — usually at no additional cost. These programs can be very effective in helping you prevent disease, manage chronic conditions or recover more quickly from illness. And they are unavailable to the general public. You’re more likely to seek treatment, and at an earlier stage in an illness, if you have health insurance.
Studies show that people without health coverage tend to delay seeing a doctor, even when they know they’re sick. This means their condition is often more serious and more expensive by the time they get treatment. Having health insurance can spur you to take better care of yourself by getting the care you need, when you need it.
The above information is from a brochure by BCBSNC in 2011 and located at bcbsnc.com.
For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.
