While health insurance is not required in Texas, it is strongly recommended for any resident. Barry Insurance Group serves Pearland, TX and highly encourages anyone shopping around for health insurance to reach out.
If health insurance is not required, why do I need it?
Simply put – you can’t plan for a health scare, you don’t know if you’ll have a medical issue and require hospitalization or medical attention. Medical bills are astoundingly high in the United States without coverage. Failing to invest in health insurance is extremely detrimental to your own health and financial security.
Many people think, "Well, I’m already healthy. I don’t need health insurance, do I?" Wrong again.
Part of staying healthy is having wellness check-ups with a general practitioner. They do routine physical exams, blood work (in some cases), and can refer you to specialists if you need something checked. Healthy people see the doctor at least once a year for preventative measures.
Without health insurance, a hospital visit could cost you thousands of dollars. A routine procedure or even a simple X-ray could take hundreds of your hard-earned money, right out of your pocket.
Texas residents work hard and deserve to be well cared for in their time of need. Don’t put the financial burden on your family or on yourself by failing to invest in a full-coverage healthcare plan. You may never need it; but if you do, you’ll be so grateful that you took the time to look out for yourself.
Barry Insurance Group understands that shopping for health insurance can be stressful and confusing. If you have questions or need guidance, don’t hesitate to reach out to us. We proudly serve the Pearland, TX area and would be happy to help.
At Barry Insurance Group, we talk to many very healthy people every day who think that they don’t need health insurance. This situation is familiar with young Pearland, TX people in particular, and we understand pretty well. However, even healthy people likely need health insurance at some point. Without it, there could be complications that you may not want to experience.
Why Do You Need Insurance If You’re Perfectly Healthy?
Did you know that even the youngest and healthiest people can develop unexpected diseases and other conditions that could be painful and hard to manage? Unfortunately, this problem is not unusual but is a frustrating and difficult one. For example, you could suddenly develop heart problems or cancer without warning.
And if you don’t have insurance, you will find yourself struggling to pay for treatments for these diseases. Now, we’re not trying to scare you here – if you’re healthy and young, you probably don’t have to worry about most conditions. And you could do without an insurance policy.
However, even healthy people need to go to the dentist, buy medications from time to time, get regular checkups, and even get eye exams and glasses. High-quality health insurance can significantly cut back on how much you have to pay for these services, giving you many benefits in the process.
Give Us a Chance
If you think you want health insurance even though you’re a very healthy person, please don’t hesitate to reach out to us today at Barry Insurance Group. We serve Pearland, TX, and the surrounding area and will work hard to find a policy that makes sense. Then, we’ll do what we can to find different add-ons and other features that help make your policy more appropriate for your needs.
The simple answer to this question is—everyone. No matter how healthy you are, you might need to visit the hospital for one reason or another. Without proper health insurance in Pearland, TX, you will be required to pay for medical expenses from your pockets, which can be pretty expensive. However, certain circumstances make it more likely that you will need health insurance more than other people. You need a health insurance plan if:
You are Expecting a Child
Financial preparation is quite essential if you are expecting a child. A lot of money goes into maternity and postnatal visits to the doctor. Therefore, you need to be prepared with adequate health insurance to cover the majority of the expenses. At Barry Insurance Group, we recommend consulting your doctor to find the best health insurance offers for maternity care.
You are Aged 26 or Older
The Affordable Care Act (ACA) allows young people to be covered under their parents’ health insurance until they are 26 years old. From that age, you will need to buy your separate health insurance to protect you and your family when you get married.
You are Unemployed or Self-Employed
If you lose your job, you are still eligible for health insurance through your employer’s health insurance plan via a program known as the Consolidated Omnibus Budget Reconciliation Act (COBRA). The program ensures that employees continue to have health insurance even after losing their jobs. If you are married and self-employed, you can purchase health insurance and include your spouse and children.
You are Approaching Retirement
When you retire, your income reduces, and you are no longer eligible for employer-sponsored health insurance. Retirement age also comes with age-related illnesses, some of which can be chronic and deadly. With this in mind, you need to make sure you have enough health insurance before you retire.
Don’t wait till you have an emergency to buy health insurance. Barry Insurance Group agents are always ready to provide you with useful information to help you make an informed decision. Contact our office in Pearland, TX today!
Health insurance is frequently in the news. It seems premiums are going up and coverage is going down. Changes in health insurance have made it much more complicated, and trying to find an affordable policy that offers the kind of coverage you need is challenging. At Barry Insurance Group in Pearland, TX, we pride ourselves on the high level of customer service we provide, and our dedicated staff will work with you to make sure you get the right health insurance for your needs and wallet. Understanding some key terms can help you make an educated choice.
Every health insurance company negotiates with doctors, hospitals, laboratories, and other healthcare professionals to provide services to their policyholders. This is their network. You want to make sure your preferred providers are in the network.
The formulary is the list of drugs covered under your health insurance plan. It includes both generic and brand name drugs. It is in tiers with different costs for each level. It is vital to your health that any drugs you take are in the formulary and to understand how much your prescription will cost you to fill.
A deductible is an amount you are required to pay before your insurance begins coverage. Most policies have a deductible, and some drugs do as well. High deductible plans are the most affordable, but they are not for everyone.
A copay is an amount you are required to pay for a particular service. It is your share and applies to many, if not all, services from doctor office visits to a hospital stay.
Choosing the right health insurance coverage is crucial for you and your family. At Barry Insurance Group in Pearland, TX, we have many years of experience and are here to help take some of the stress out of this critical choice. Give us a call or stop by our office for a no-obligation quote.