It’s a good idea to start learning about health insurance because it is an important part of your healthcare. It is never too early to begin learning about it because it directly impacts your well-being—you need good health insurance coverage to receive quality care and manage your primary immunodeficiency (PI).
We have included some information to help you understand the basics, but it’s best to talk with your parents and ask them questions because health insurance can be complicated.
What is health insurance?
Health insurance is used to cover the cost of medical care when you become sick. People, like your parents, purchase health insurance in return for coverage of all kinds of medical care, including, doctors’ appointments, visits to the emergency room, testing, hospitalization, and medications.
The idea is simple—medical care is so expensive that people can’t afford to pay for it all out of their own pockets. But if a group of people come together, like a group plan from your parent’s employer, and each agree to pay a monthly amount of money, called the premium, the “risk” is spread out over the whole group. This protects everyone from high healthcare costs because it is shared by all.
Why do I need health insurance?
Without insurance, medical bills can be pile up and be very costly. Your health insurance can give you peace of mind in knowing you are protected from most of these costs.
What happens if I don’t have insurance?
You have a primary immunodeficiency disease—you absolutely need insurance to see your specialist, to have your treatments and to manage you overall health!
Under new legislation, the Affordable Care Act (ACA), you will have to have insurance by 2014. If you do not have insurance, then you or your parents may face a penalty. Be sure to talk with your parents about making sure you have insurance coverage.
How do I get insurance?
Most people get health insurance through their employers, but there are other ways to obtain health insurance:
Make sure you talk with your parents about your health insurance. You don’t have to know everything, but the more you know, the better prepared you will be in the future!
For more detailed information about health insurance, including a glossary of insurance terms, visit the IDF Patient Insurance Center.