Understand Your Benefits

How Health Insurance Works

Health insurance helps you get the health care that you and your family need, from preventive care to emergency services, for a much lower cost than if you paid out of pocket.

Health insurance helps you:

• Manage your health care costs. Using insurance is much cheaper in the long run than paying out of pocket, especially if you or a family member needs serious medical care.
• Stay healthy. Health insurance helps you access preventive care that keeps you healthy and in touch with a doctor.
• Prepare for the unexpected. If you or a family member has an emergency, or becomes seriously ill, health insurance helps give you peace of mind knowing your health care needs will be met.