Why do you need health insurance?

Here are a few questions you might be asking. The answers may surprise you!

If I take good care of my health, why do I need health insurance?

A. Preventive care helps you stay healthy, and insurance helps pay for that.

B. Health insurance helps protect your retirement money by covering big medical expenses.

C. Even if you’re healthy, insurance can help cover the cost of an accident.

D. All of the above.

The correct answer is D.

You might be surprised to discover what some insurance plans will pay for when it comes to preventive care. And sometimes an unexpected medical problem can lead to very expensive medical bills. Health insurance helps cover those costs, which means you won’t have to use your own money – or raid your retirement nest egg -- to pay the entire bill.

Having health insurance is a smart way to prepare for the future.

True or False?

The correct answer is True.

You don’t know what the future holds, but taking steps so that you don’t have to pay the full cost for medical treatment is a good idea. Choosing the right health insurance plan means less money out of your pocket for doctor’s visits, screenings and treatments.

The cost of medications could be significantly reduced by health insurance.

True or False?

The correct answer is True.

If you’ve been paying for your medications out of your own pocket, you’ll welcome this news. Having health insurance means many medications will only require a minimal copayment for your prescriptions. In some cases, that could mean a difference of hundreds of dollars when filling prescriptions without the help of health insurance.

Being a baby boomer means you’re enjoying the prime of your life. And having health insurance is an easy way to help you spend less of your money on medical costs.

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This information is only a high-level summary of certain provisions of the health care law. This information does NOT attempt to summarize all provisions of the health care reform law. This information is not and should NOT be used as legal or tax advice; it should not be used as a basis for decisions regarding how the health care reform law will affect you and/or your business. Should you have any questions on how the health care reform law (including the high level summary of certain provisions of health care reform) will affect you and/or your business, you should seek professional advice from attorneys or other advisors.

Insured by Humana Insurance Company, Humana Health Plan, Inc., Humana Health Insurance Company of Florida, Inc., or Humana Health Benefit Plan of Louisiana, Inc. or offered by Humana Medical Plan Inc., Humana Employers Health Plan of Georgia, Inc., or Humana Health Plan of Texas, Inc.

For Arizona residents: Insured by Humana Insurance Company. For Texas residents: Insured by Humana Insurance Company or offered by Humana Health Plan of Texas, Inc.

Our health benefit plans have exclusions and limitations and terms under which the coverage may be continued in force or discontinued. For costs and complete details of the coverage, call or write your Humana insurance agent or broker.