When you purchase insurance, you commit a defined amount of money now to guard against an unpredictable, potentially enormous financial loss later.  Health insurance plans

• promote your good health through preventive programs and services,
• provide affordable access to emergency care and routine health services over an extended period, and
• reduce the risk of extreme financial loss in the event of severe illness or injury.

Why You Need It

Health coverage helps shield you against the full cost of care for illness and accidents.  Consider what the cost of a typical hospital stay (3 days and 2 follow-up visits) may be: