Updated: Sep 28, 2021
Living a healthy lifestyle is anti-aging and guards against illness and disease. Yet, even living an active everyday lifestyle and eating properly every meal, illness and accidents can occur and you need the help of doctors and other health professionals. Seeking health care can be very expensive, just for maintenance and preventive care, such as regular checkups and screenings. Having health insurance can lower the expense substantially. Health insurance benefits entitle you to regular care and treatment when needed. The Urban Life Advancement Center works to help residents in eight states secure healthcare benefits. These benefits provide routine wellness and preventive care, as well as diagnosis and treatment for illnesses and conditions before they become chronic health problems. Health insurance pays medical bills and the cost of health care. Having insurance ensures access to services before they are needed. There are private health plans as well as government ran plans. Health insurance often covers checkups, and routine, preventive care of the mind and body. Insurance is intended to prevent illnesses through preventive care, such as vaccinations, and treatment, if you do get sick. It pays the medical cost that most people can't afford. Some people turn down care because they can't afford the cost. The cost of a trip to the emergency room, exams, lab work, and prescription drugs have caused some to file for bankruptcy. Health insurance policies offered by your insurance company tells you of the benefits provided by your covered services. Your cost is greatly reduced due to cost sharing. Health Insurance Market Places are operated by the government, federal and states, and allow you to shop and compare coverage. In fact, insurance plans offered at health care market places are required to offer the ten essential health benefits: 1. Emergency Services – You are covered at any medical facility in the event of an emergency, even outside your insurance company's network of providers. 2. Hospitalizations – for surgeries and over night stays
3. Prescription Drugs 4. Laboratory Services 5. Preventive and wellness services as well as management of chronic diseases 6. Ambulatory Patient Services 7. Pregnancy, maternity and newborn care 8. Pediatric Services for oral and vision care 9. Mental Health and Substance Use Disorder Services 10. Rehabilitation and other services and devices that help you gain, maintain and recover mentally and physically. Federal and state run market places benefits may differ and your insurance plans may have additional cost as well as the monthly premium. Some additional cost include co-payments, deductible and coinsurance payments. Co-payments are the cost you must pay each visit to receive care. The insurance company pays the remaining cost. Deductibles are the amount you must pay each year before the insurance company will cover the cost of your care for the rest of the year. After your deductible has been met, you may still have coinsurance payments, a percentage of the cost of the service, with the insurance company paying the rest. The two types of government ran health insurance plans are Medicare and Medicaid. Medicare is for people over 65 and those with disabilities. Medicaid is for low income individuals, including those on Medicare. Medicare recipients pay a monthly premium and may have other costs. Over 60 million people receive Medicare and Medicaid provides health coverage to ten million of them. In fact, 12 million people receive duel coverage of both Medicare and Medicaid benefits. Medicaid is public health insurance for low income people and covers a fifth of all Americans, and a fifth of all healthcare spending. It is funded by both state and federal resources. It supports the health care system and provides a safety net to support a healthier America. Health insurance is a complicated subject and the Urban Life Advancement Center can help you receive the benefits you need to stay healthy and have access to healthcare when needed. Having help to navigate the complex programs will ensure you receive the benefits you are entitled to. Currently providing services to Kansas, Missouri, Tennessee, Georgia, Nebraska, Oklahoma and Texas, contact the Urban Life Advancement Center to see if you qualify for free or low cost health insurance coverage. The Urban Life Advancement Center offers other services, including first time home buyers education, finance education and tax preparation, small business funding and real estate investing. Working to connect businesses in the community with community members, Urban Life Advancement Center wants to inform community members about services that will benefit them and their community.