Here at Elite Benefits Group, we know everything you need to know about health insurance. Over the years, we have encountered several misconceptions about insurance and how it works, and we want to help correct that misinformation. In this article, we will go over three of these misconceptions and replace them with the accurate information you need.
- Myth #1: I don’t need health insurance if I’m healthy. One misconception people have about health insurance is the idea that, because they are currently healthy, they don’t need this coverage. Even if you are in perfect health and do your best to take care of yourself, there’s still the possibility that you could become injured or be diagnosed with an illness or disease and need treatment.
- Myth #2: I can’t get health insurance if I have a pre-existing condition. While in the past, people had reason to worry about insurance companies denying them coverage due to a pre-existing condition, these days, all health insurance policies come with a specific clause regarding this issue. Once the time of the clause has elapsed, your policy will cover your existing conditions the same as any new ones you may develop.
- Myth #3: I only need health insurance if I’m the breadwinner. A third misconception that people have about health insurance is that only the main earner of the household needs it or would be covered by it. However, in reality, insurance policies should cover not only the holder but also their spouse and children (also known as the person’s dependents), and in some cases their parents as well.