I’m young, healthy, and don’t have a family. Do I need heath insurance?

Health insurance has many benefits. Beyond the obvious benefit of providing direct access to healthcare, health insurance also makes healthcare more affordable. Regardless of your age, healthcare is important. Fortunately, there are a wide array of healthcare options available to most people. Our team at Boss Insurance Agency understands that navigating health insurance can be confusing. This is why we’re here to help our Kingwood, TX residents understand their health insurance options.

What are the Benefits of Health Insurance for Young Adults?

The first obvious benefit of health insurance for young people is affordability. Although young people tend to be healthy and may not utilize or need healthcare as much as older people, health insurance can greatly decrease the cost whenever they are in need of it. Also, health insurance can help young people manage their health via routine visits and access to a personal doctor or nurse practitioner. Many employers offer health insurance to their employees. This makes attaining health insurance easier for young people because they can acquire it through their employer. 

What Happens if a Young Person Doesn’t have Health Insurance?

Age is a non-factor when it comes to the need for access to quality healthcare, or healthcare period. Often, young people opt out of healthcare and will go without insurance for medical needs that may come up unexpectedly. As a result, emergency room visits are often used to cover their healthcare needs due to a lack of health insurance.

Contact Boss Insurance Agency Today

If you’re a young person that’s interested in learning more about the benefits of health insurance for young adults, give us a call in  Kingwood, TX. We’d be happy to discuss your options and help you come up with a solution that works for you.

Why You Need Health Insurance

At Boss Insurance Agency, we work with many people who believe that they don’t need health insurance. These individuals end up experiencing real issues in Kingwood, TX that affect their overall well-being. Here are a few reasons why you should seriously consider health insurance.

Reasons Why You Need Health Insurance

If you still don’t think that you need health insurance, we have news for you: everybody does. Even if you’re young and in relatively good health, insurance can protect you in many surprising ways. Here are three reasons why you will need this type of policy in your life:

  • Accidents Can Happen – You never know when you’re going to experience an accident or suffer from worsened health that impacts you. Health insurance protects you and minimizes danger.
  • Health Bills are High – American health treatments are among the best in the world and the most expensive. Health insurance keeps you financially strong and minimizes your financial issues.
  • Aging is Not Easy – Unfortunately, it is not uncommon for people to need more health protection as they age. Thankfully, health insurance can pay for these bills and keep you safe and healthy.

Try to seek out a health insurance policy that fits into your financial situation, including one that you can easily afford. You also need to make sure that you talk with an insurance broker about other elements, such as your deductibles, copayments, and any other factors that may affect you.

Keep Yourself Safe

If you need health insurance in Kingwood, TX, and want to work with a team you can trust, please contact us at Boss Insurance Agency right away to learn more. Our team of professionals will work with you to understand what is happening and ensure that you get protected in any way possible.

What Does Preventive Care Mean and Is It Covered?

One of the trickiest parts of insurance in Kingwood, TX, and all over the country, is determining what is and isn’t covered. So what does preventative care mean? And how do you know if it is covered by your insurance? Boss Insurance Agency has all the answers to your insurance questions. 

Preventive Care is a health care service that is routine and designed to prevent health issues or diseases before they arise.  These include annual check-ups and physicals, screenings, blood work, dental cleanings, eye exams and patient counseling.

A wide range of potential illnesses can be prevented by attending these preventive care visits or problems can be caught very early, meaning they are much less costly to treat.

Almost all insurance plans cover some preventive care at no cost to the patients, such as:

  • Annual physicals
  • Blood work
  • Testing for cholesterol levels, diabetes (blood sugar) and blood pressure levels
  • Annual well woman exams (which includes Pap smears to screen for cervical and other reproductive cancers)
  • Well-baby and well-child visits (through age 21)
  • Vaccinations against diseases such as polio, mumps, measles, meningitis and others
  • Vaccinations for viral infections such as the flu
  • Screenings for many cancers, including colonoscopies and mammograms
  • Counseling on health related topics such as losing weight, quitting smoking or drinking, managing mental health issues, exercising and more

Preventive care is typically done once per year and the services covered vary from plan to plan. Some plans may offer more extensive preventive services. It’s important to take advantage of whatever preventive services your plan offers to ensure you stay ahead of any more serious medical issues before they develop.

The team at Boss Insurance Agency, serving Kingwood, TX are standing by to answer your questions today!