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How Does Health Insurance Work?
4 August 2010
Health Insurance - you know you need it but you may not be sure exactly how it works.
The concept is actually very simple. Medical costs are very high and have been skyrocketing in recent years, so getting sick or injured can be expensive. So expensive (perhaps reaching into the hundreds of thousands or millions of dollars) that's it's unreasonable that most people would ever be able to afford serious injury or illness. However, the probability that you'll get very sick or injured in a given year is usually fairly low for most people.
So we get together in what's called a "risk pool". If we all contribute smaller amounts of money to one big pool, then if someone gets injured or sick the funds in that pool can cover that person. The risk pool relies on the fact that - probably - most of the people contributing to the pool won't get sick or injured all at once. This means that it's entirely possible that someone could never use their insurance. However, since it's impossible to know when or if you'll receive a massive medical expense, most people take the responsible route and hedge their bets using health insurance.
However, all health insurance is not created equal! There's a dizzying variety of products, features, costs, and benefits associated with protecting you and your family against financial disaster and ensuring you can afford access to quality medical care. That's why people, like the friendly and expert advisers of American Health, study day in and day out to ensure that they insure you in the best combination that fits your needs and budget. Click here or use the get a quote button above to compare thousands of combinations of insurance products and speak to an expert adviser for free!
Humana, one of the highly respected carriers that you can access through American Health, has done a great video explaining how health insurance works. It's only two minutes, so take a look!
Related tags: does, health, how, humana, insurance, video, work
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