Why You Need Health Insurance

Quality health insurance isn’t a luxury, it’s a necessity. In fact, with the passage of the Affordable Care Act, the government has made it a law that every individual has to have health care coverage.

Whether you qualify for state assistance or you buy health insurance, you’re getting security for you and your family. Having health insurance means you can:

  • Have regular check-ups with a doctor who knows your medical history 
  • Get the care you need to stay healthy, like screenings and vaccines (shots) 
  • Manage long-term conditions and keep them under control 
  • See a doctor when you are sick 
  • Get the medication you need 
  • Make sure your family stays safe and healthy

Health insurance doesn’t just protect your health. It protects your wallet. No matter what type of insurance you have, you are able to save money on appointments and medications covered by your plan. You can also save by: 

  • Getting preventive, routine care for low or no-cost 
  • Pay less for care in your network 
  • Protecting yourself from the high costs of surprise hospital visits  
  • Saving the cost of penalty paid by those who don’t have insurance 

It’s easy to think that we don’t need health insurance when we’re healthy, but unfortunately, accidents can happen to anyone. According to the U.S. Government,*   paying out-of-pocket to fix a broken leg can cost up to $7,500, while the average 3-day hospital stay will cost $30,000. Buying health insurance means that you will not have to take on the burden of these risks alone. 

How We Can Help 

Neighborhood Health Plan of Rhode Island was founded in 1994 to make sure everyone in the state has access to high-quality, affordable health care. We offer Medicaid and Marketplace plans through HealthSource RI. So, when you sign up with us, you get one company that can serve all of your family’s health insurance needs. Our large network of providers includes all hospitals in Rhode Island and nearly every pharmacy. Currently serving 185,000 members, Neighborhood has been rated by NCQA as one of the top Medicaid health plans in America every year since ratings began 12 years ago – one of only two organizations in the nation to earn this distinction. 

Health care is complicated, but we make it easy. Call us today to get started! 
Neighborhood Member Services
1-800-459-6019 (TDD/TTY 711)

 

*https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/