Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others. - Philippians 2:3-4
Navigating health insurance can feel overwhelming, especially with all the myths and misconceptions floating around. Let’s debunk some of the most common myths to help you make informed decisions about your coverage.
Myth 1: “I’m healthy, so I don’t need health insurance.”
While it’s great to be in good health, accidents and unexpected illnesses can happen to anyone. Health insurance ensures you’re financially protected from costly medical bills, even for routine care like check-ups, vaccinations, and screenings that help you
stay healthy.
Myth 2: “All health insurance plans are the same.”
Not true! Plans differ significantly in terms of premiums, deductibles, networks, and coverage. It’s important to compare plans to find one that fits your needs and budget. Choosing the wrong plan could mean higher out-of-pocket costs or limited access to your preferred doctors.
Myth 3: “I can’t afford health insurance.”
Many people believe health insurance is too expensive, but financial assistance and subsidies are available for qualifying individuals. Additionally, having insurance can save you money in the long run by covering preventive care and reducing out-of-pocket costs for major medical needs. Can you really afford NOT to have it?
Myth 4: “Health insurance covers everything.”
While health insurance provides critical coverage, not all services are included. For example, cosmetic procedures, alternative therapies, and some prescription drugs might not be covered. Many services (and some medications) will also require prior authorization to be considered a payable claim. Always review your policy details to understand what is and isn’t included.
Myth 5: “I can only enroll at any time during the year.”
Health insurance typically has a set enrollment period, but there are exceptions. Qualifying life events, such as getting married, having a baby, or losing other coverage, may allow you to enroll during a Special Enrollment Period.
Take Control of Your Health Insurance Choices
Understanding the facts about health insurance helps you make the best choices for you and your family. Don’t let myths hold you back—take the time to research, ask questions, and find the coverage that works for you.
If you’re feeling unsure about your options, reach out for guidance. The right plan can offer peace of mind and protect your health and finances.
2223 Brookstone Centre Pkwy, Suite A, Columbus, GA 31904
Monday - Friday 8:30 AM - 4:30 PM
All Rights Reserved | Crawford Benefits | Powered By A Guy That Designs
2223 Brookstone Centre Pkwy, Suite A, Columbus, GA 31904
Monday - Friday 8:30 AM - 4:30 PM
All Rights Reserved | Michelle Crawford Benefits Consulting, Inc. | Privacy Policy | Powered By A Guy That Designs