Health insurance is a contract between an individual and an insurance company that provides financial coverage for medical expenses incurred due to illness, injury, or preventive care.

Health insurance protects against high medical costs, ensures access to necessary medical care, and provides financial security in emergencies.

Consider factors such as coverage options, premiums, deductibles, network of providers, out-of-pocket maximums, and your specific health needs.

Review the denial letter for details, contact your insurer for clarification, and follow the appeals process if you believe the denial was unjustified.

Missing a payment may lead to a lapse in coverage, so it’s important to understand your insurer’s grace period and potential penalties.

Use the insurance company’s website or customer service to locate in-network providers and hospitals.

Health insurance helps cover the cost of medical care, reduces financial stress, and provides access to a network of healthcare providers.

Consistent coverage can lead to lower long-term healthcare costs due to preventive care, better health management, and reduced risk of severe health issues.