True or False: Insurance guarantees access to healthcare services.

The statement that insurance guarantees access to healthcare services is false. While insurance is designed to help cover the costs associated with healthcare, it does not ensure access in all situations. Access to healthcare is affected by various factors, including the availability of providers, geographic location, the specific services covered by the insurance policy, and the individual's ability to navigate the healthcare system.

For example, an individual may have insurance that covers a particular service, but if there are no nearby providers who accept that insurance or if the wait times to see a provider are prohibitively long, the individual might still struggle to gain access to the necessary care. Therefore, insurance can help reduce financial barriers but does not inherently guarantee timely or adequate access to healthcare services.