After you age out of your family’s plan, your health insurance card will no longer be valid. At this point, you might wonder whether getting a policy of your own is necessary, and how the coverage works. You might even believe a few misconceptions about health insurance, further skewing your perception. To learn the truth, consider the following guide.

The Truth About Health Insurance Myths

1. Young & Healthy Individuals Don’t Need It

If you’re in your 20s or 30s with a clean bill of health, you might want to skip monthly premiums altogether. However, even the most athletic, wellness-minded individuals could face an accident. Whether you twist your ankle at the gym or need to have your appendix removed, you’ll have to pay high prices to receive care.

2. You Must Pay the Deductible to Receive Care

You might assume that health insurance is like your car insurance policy—when you file a claim, you have to pay a deductible before your insurance kicks in. Luckily, health policies don’t work like that. You can still seek out preventive services, such as dental exams and standard vaccinations, before meeting your deductible.

3. All Employers Offer It

While many companies offer their employees basic health insurance policies, not all of them do. If you’re working for a business with less than 50 full-time team members, you may have to secure coverage yourself. Even if your employer does offer a plan, it may not meet your medical needs. Therefore, talk to an agent and find out which route is best for you.

If you’re looking for a reliable health insurance plan, turn to Toohey Insurance Service of Somerset, KY, today. They’re committed to helping customers find policies that fit their needs and budgets. Their agents are independent and work with many of the largest insurance carriers to give you options. To learn about their other offerings, including life insurance, visit the website. Call (606) 678-0540 to make an appointment.