I used to take everyday mobility for granted until I injured my left knee while playing sports in college. I needed surgery in order to return to my normal activity level. Thankfully, I had health insurance which helped cover the cost of pre-operation doctor appointments as well as my surgery costs. Nine months after my surgery, I was told that, even though I went through all the proper channels, my health insurance had rescinded my coverage. In essence, the health insurance company took back the payment they had made to the surgeon and the hospital; leaving me stuck with a bill I couldn’t pay.
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Get ready to apply for health insurance coverage! Enrollment for 2015 coverage opens on November 15, 2014, but you don’t have to wait until then to start getting the information you need to make the right choice. Here are some ways to get started:
ACA Outreach & Enrollment in Asian American, Native Hawaiian, and Pacific Islander Communities: Promising Practices | Register
Marlena Vaifale understands the importance of having health insurance. In 2013, she was diagnosed with pre-diabetes and gallstones, which led to the removal of her gallbladder. She has had health insurance all her life, but did not take full advantage of the preventive services available to her for annual physicals. If she had, she would have made wiser and healthier choices.
The average cost of a 3-day hospital stay is $30,000. The average cost of a visit to the emergency department is $969,1 which is more than an average American pays in rent each month.2 Did you know that nearly 1 out of every 4 community hospital stays involves a mental and/or substance use disorder?3 Individuals without health insurance have to pay the full cost of all their health care expenses and, if not covered in 2014, may have to pay a fee. However, health coverage can protect you from high, unexpected medical costs.