Health Insurance Myths

Health insurance in El Centro, CA can be a confusing insurance product and there are many myths that prevent people from getting the right kind of coverage.

Myth 1: You don’t get services until you pay the deductible.

Home and auto policies will require you to pay your deductible before your claim gets paid out, but this isn’t the case for health insurance. You do have to pay your deductible before an insurer will pay for services, but you can get access to free preventive services even before you meet your deductible. This can include screenings for cholesterol and blood pressure, as well as women’s health services.

Myth 2: Your health insurance won’t cover injuries caused by dangerous hobbies.

Health insurance will cover what is specified in your plan and it won’t matter how you got the injuries. There may be exclusions and some services that aren’t covered. This can relate to certain immunizations or infertility treatments. Exclusions will be listed in your policy so you will know in advance. Ask an agent at Armorcrest Insurance Services if you aren’t sure what is excluded.

Myth 3: You don’t need health insurance if you are young and healthy.

The best time to purchase health insurance is when you are younger and healthy since it can be hard to get insurance with a pre-existing condition. Even if you don’t think you will need health insurance, an accident can happen at any age.

Myth 4: All plans by the same provider are the same.

There will be different plans that are offered at varied price points. Some plans will cover more than others.

Myth 5: Health insurance will cover you no matter where you are.

Most health plans will want you to use medical providers in a network. You may have to pay more for out-of-network providers.

Contact Armorcrest Insurance Services, serving El Centro, CA, to get a quote on health insurance.