Understanding health care

How health care works

There are many advantages of having health care coverage. Without it, it’s harder to get the care you need to stay healthy or catch problems early. If a health problem gets worse, you may have nowhere to go but the emergency room, where care is very expensive.

Let’s put it all together

There are 2 main parts to health care — the care, and the coverage that helps you pay for the care. See how having health care coverage keeps you better connected to health care.

Health care

Almost everyone gets sick, hurt, or needs some kind of medical help. To get better, you usually need care — like seeing a doctor, staying in a hospital, taking medication, or all of the above.

Health care includes:

  • Doctors’ office visits
  • Hospital stays
  • Emergency room visits
  • X-rays
  • Laboratory tests
  • Prescription drugs
  • And preventive care
    • Well-baby visits
    • Well-woman visits
    • Immunizations
    • Screenings

Health care coverage

Some people get health care coverage through their jobs, and some buy it themselves. Without coverage, high medical bills can sometimes wipe out savings and even lead to bankruptcy. Health care coverage helps protect you financially if you have a serious illness or injury that requires extensive care.

  • Health care coverage is a lot like the coverage people have to protect their car or home. Each month, you pay a premium to your health plan issuer to provide you with coverage.

  • When you need care (such as doctor visits, hospital care, and medications), your health plan issuer may help you pay for it.

How you benefit

There are lots of advantages to having health care coverage. Here are just a few of the big ones.

  • Peace of mind. Life is unpredictable, but when you have health care coverage, you have more control, and you can rest easy knowing that you have coverage for the care you need.

  • Care when you need it. You can see a doctor when you just need preventive care or when you’re sick. You don’t need to ignore symptoms or hope they’ll go away. You can get treated before things get worse.

  • Stay on a healthy path. Preventive care helps you catch minor symptoms before they become problems. Screenings, like mammograms and cholesterol level tests, can catch problems early – when they’re easier to treat.