If you need an oil change, new tires or windshield wipers, you will pay out of your own pocket.
You may pay a small portion of the cost, but for the most part, preventive care is covered. Currently, non-grandfathered health plans cover 100 percent of your preventive care visit. Want to know if your plan is non-grandfathered? Ask your agent or employer.
If your car breaks down and you need new brakes, a battery or transmission, you will pay the full cost.
If you break your leg or have a sinus infection, your health insurance will pay a portion of the cost. In addition, your health insurance likely covers the cost of prescription medications you may need.
Because you’ll pay for the cost of preventive maintenance and repairs, the cost of these services are important to you.
When you need health care, cost plays little role in your choices. You want the best care for your body, despite the cost.
You may choose not to report certain claims to your auto insurance. For example, if your son is in a fender bender, you might not turn in the claim because it will go on his record, or will cause his premiums to increase.
For the most part, health insurance claims are automatically submitted to insurance. Your health insurance usage or claims won’t cause a spike in your individual premium; however it does impact all others in your pool.
Auto insurance is less costly as a vehicle ages.
Health insurance is more costly as the body ages.
Auto insurance companies may “drop” you if you have too many claims or too many accidents.
Health insurance companies won’t “drop” you if you have too many claims or if you become sick.
We give up on our autos, or “total” them, when they are not worth the cost to repair.
When it comes to human life, giving up is not an option. People will go to all means necessary to continue life.
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