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  • Same Day Appointments
  • Open Saturdays
  • Walk-Ins Welcome
  • Most Plans & AHCCCS Accepted
  • Cold & Flu Clinic
  • Full Service Family Clinic
  • No-Insurance Clinic
  • Affordable & Accessible Medical Care
The Women's Health Institute at Phoenix Family Medical Clinic
  • Offering Telemedicine Appointments
  • Same Day Appointments
  • Open Saturdays
  • AHCCCS OK
  • Walk-ins Welcome

The Importance Of Having A Health Insurance Plan

Many people tend to shy away from investing in a health insurance plan simply because of how expensive it is. Health insurance coverages don’t come cheap, but if you happen to experience regular health complaints, you could end up saving rather than spending.

The younger lot may choose the convenience of having to pay medical fees as and when they fall sick rather than having to keep a tab on insurance premiums and co-payments. While there’s nothing wrong with that, these medical expenses can shoot up meteorically if one happens to get into an accident, become diagnosed with a serious illness, and other such unfortunate circumstances. A health insurance can therefore cushion the costs that you have to bear and give you some respite.

Medical care does not come for cheap

This is especially true if the care happens to be for a medical emergency. In the absence of a health insurance cover, emergency medical care can be devastating for your finances. You could find yourself deep in debt, trying to pay off your medical bills. Sure, you could be cautious about the health and lifestyle choices you make. But accidents happen all the time, and there’s not much you can do to prevent them. Treatment for injuries and last-minute surgeries can rack up quite a bill, so it’s best to be prepared to meet these costs. When you purchase a health insurance policy, you not only safeguard your own health but also your financial wellbeing.

Don’t let the expense of medical care keep you from seeking treatment

Early intervention and preventative care can help you ward off long and expensive hospital stays. Don’t put off going to the hospital if you need to simply because you're afraid of the costs of healthcare. You will only be worsening any health condition that you might have this way. At Phoenix Family Medical, we encourage you to get a health insurance plan and also affordably treat individuals who don’t own one. We understand how it can get difficult to secure a health insurance plan after a person has not had it for a long time.

Which health insurance plan do you get?

Health insurance plans come in various forms. The plan you choose should depend on your health risk, the number of times you visit a clinic in a year, and whether you are receiving health insurance from any other source. How much you can afford to pay and the value you seek from the plan are also important things to consider when shopping for a health insurance plan. For example, the Traditional and High-deductible healthcare plans are the most popular kinds of health insurance policies, both of which only cover a portion of your cumulative medical expenses. If you invest on these health insurance covers, you must set a certain sum aside every month additionally to pay for your medical costs. They work well if you are able to pay your healthcare bills and only need minor help with the payments.