Which of the following is NOT considered a benefit of having health insurance?

The statement regarding guaranteed approval regardless of pre-existing conditions is not considered a direct benefit of having health insurance. While many health insurance plans are required to cover individuals regardless of their health status, this is specifically mandated by regulations such as the Affordable Care Act rather than being an intrinsic benefit of insurance itself.

In contrast, the other choices clearly represent benefits that come from having health insurance. Access to preventive care services ensures individuals receive necessary screenings and immunizations without out-of-pocket costs, promoting early detection and treatment of health issues. Financial protection against high medical expenses protects individuals from incurring overwhelming debt due to unexpected medical events. Support for maintaining overall health and wellness includes various programs and services designed to help policyholders lead healthier lives, which overall leads to reduced healthcare costs and improved quality of life. These aspects not only highlight the advantages of health insurance but are essential to its purpose in fostering public health and financial stability.