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6 Reasons Your Family Needs Medical, Dental, and Vision Insurance in Mississippi

It’s vital to have insurance, be it medical, dental, or vision insurance in Mississippi. Recent studies show fewer people are carrying insurance, with 91.5% of people having health insurance in 2018, a drop from 2017’s 92.1%. If you’re wondering whether the insurance cost in Mississippi is worth it, read below to find out why insurance is critical.

1. Prevent Lost School and Working Hours

Like all areas of the United States, living in Mississippi requires a steady income stream and continued education. Unfortunately, around 51 million school hours are lost annually due to dental issues. Parents need to ensure their children have the necessary coverage to help prevent missed days of school. Likewise, adults need medical insurance to help make sure they can go to work and continue to earn a steady paycheck. Even simple illnesses and snowball into much more severe health issues if left untreated. With a quality insurance plan, your family can enjoy the peace of mind of knowing that minor illnesses won’t force you to take time off from work or school.

2. Protection From Unforeseen Circumstances

No one likes to think about the worst-case scenarios. However, 39 million people seek medical attention every year due to a personal injury. In such an instance, it’s essential to have a plan that covers your medical needs without breaking the bank. With insurance, you can be sure that any medical expenses from unforeseen circumstances will be covered in full or at a discounted rate. Certain personal injuries you might fall victim to at any given moment include auto accidents in Mississippi, slip and fall injuries, and much more.

3. Reduce Costly Emergency Room Visits

In Mississippi, the cost of ER visits is relatively high. With insurance, you’ll get the same care without breaking the bank while keeping your family safe and healthy. While you might be able to visit urgent care, if you visit a hospital, there’s no telling whether you’ll need to be admitted for further treatment. Without insurance, a hospital stay can be incredibly costly and leave your family in financial ruin.

4. Access to Quality Care

It’s no secret that Mississippi doesn’t have the best healthcare. With medical, dental, and vision insurance, you’ll be able to access quality care from doctors who know what they’re doing. Not only that, but you’ll also be able to enjoy lower rates from doctors and dentists who are in-network. Access to top-quality care is essential for an individual’s well-being, so don’t let your family miss out on this vital component of living in Mississippi.

5. Prevent Medical Debt

Mississippi has a high population of disabled under age 65 at over 11%, according to the U.S. Census. If you have family members with disabilities, ensuring they have access to quality medical care is especially important. The last thing you want is for your family member to fall into financial ruin due to unforeseen medical costs. With insurance, you can rest assured that all necessary treatments will be taken care of without worrying about life-altering debts.

6. Take Advantage of Government Benefits

Many people living in Mississippi might think they can’t afford health insurance, but this isn’t the case. There are various government-sponsored health plans available to you and your family, including Medicare, Medicaid, CHIP, and more. You’ll need to check with the Mississippi Department of Health and Human Services (MDHS) to find out if you qualify for any benefits and to find out more information.

For many people living in Mississippi, healthcare insurance of some type is essential. Having access to quality care and preventing medical debt are only two of the many benefits of having insurance. Considering the above factors, it’s easy to see why health insurance is so important for families.

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