What Is Health Insurance and Why Do You Need It?

The basic definition of Health insurance is that it's a binding contract between you and an insurance company that helps cover the cost of medical care. When you pay your monthly premium, you gain access to a range of health benefits, including doctor visits, hospital stays, prescription drugs, and preventive services. In today’s healthcare landscape, where a simple emergency room visit can cost thousands, health insurance is more essential than ever. I call it essentially GoFundMe insurance (the main reason we pay for health insurance is for the big stuff- so we don't end up on a GoFundMe or have to declare bankruptcy due to medical debt should something major occur).

For self-employed individuals or those without employer-sponsored coverage, health insurance is the only safeguard against the financial risks of unexpected illness or injury. While it is more expensive that I would like, it does it offer peace of mind, and many plans also include free preventive care services like annual checkups and vaccinations, free telemedicine, mental health services, etc which all help to keep you healthier in the long run.

Choosing the right health insurance plan can seem overwhelming, but that’s where my professional guidance and years of experience can help.

If you're self employed or don't have employer coverage feel free to reach out to me at 615-579-7592 or via email at joel@wellnessinsurance.info for help finding the perfect plan for your unique situation (all at no cost to you or increase in rates for you- the carriers pay brokers like me to help people find the right plan for them so your rates are the same whether you use a professional like myself or not- however when using me you can be sure I will have your best interests at heart and make sure you are in the best plan available to you).