Health insurance myths

 

There are several prevailing myths about health insurance. It is important that you know about these myths and doesn’t mistake them for being the truth. Knowing the reality behind these myths will help you to buy comprehensive health insurance coverage. You would also be able to gauge how much of what coverage you need to buy. Read on to know the truth and break the myths about health insurance.
1. Myth – Most Americans are insured.
Truth – This is not the reality. According to the Census Bureau report of US, more than 41 million Americans do not have a health insurance.

2. Myth – If you don’t have a health insurance there will be no serious health consequences.
Truth – This is completely not true. It has been observed that uninsured women who have breast cancer and uninsured men who have colon cancer are twice more likely to succumb to the disease and die than people who have the same disease but are insured.

3. Myth – Most people who are uninsured and unemployed.
Truth – In reality, this is not the case. Statistically, observed data says that almost eight out of the ten families who are uninsured are working families. These people are either not offered health insurance benefits or they cannot afford to pay for their part of the cost in a group insurance or even personal ones.

4. Myth – If you are uninsured then you will always be able to get care if you really need it.
Truth – Contrary to your belief, people who are insured do not get care at the right time, live with their illness for a longer time and can even die at a younger age.

5. Myth – There has not been an increase in the number of insured people over the past decade
Truth – It has been observed that the number of people who are uninsured has increased by an amount of nearly 10 million over the past 10 years.

6. Myth – If you don’t have health insurance, you won’t face any economic risk
Truth – If you don’t have a health insurance then when you fall ill, you have to pay for the expenses out of your own pocket