People believe that it’s only good for seniors or rich people. However, planning on avoiding illness isn’t a really efficient health plan. Not having health insurance can lead to financial ruin in the case of serious disease or chronic illness.
Health Insurance
If you just graduated from college and are looking for health insurance, consider the following two options. If you are employed, talk to your boss about employee-based health insurance. Those younger than 26 are still eligible to be on their parent’s insurance plan as well as a private and personal one.
See if your employer has a wellness program for their employees. Many employers offer incentives for employees to have their health and lifestyles assessed. You might be able to find fitness programs that will help your employer save money on insurance coverage, which will lower your premiums.
Comprehensive Coverage
You can save money on health insurance, try dropping coverage from comprehensive coverage to catastrophic and stay healthy! Comprehensive coverage will give you prescriptions and doctors visits, but catastrophic will cover more expensive medical bills from hospital stays or emergency room visits.
Private insurers are regulated by the local state government insurance agency, which means that insurance cannot travel with you across state lines. An injury sustained and treated out of state may not be covered by your health insurance. Insurance companies will use any excuse to deny coverage, so make sure you know what your policy says before you travel.
Check with the doctors and hospitals that you use and make sure you will be able to keep going to them under the insurance policy you select. Looking for a list of hospitals and doctors that accept the insurance you are considering is very easy.
Find out if the company will charge you to have your husband or wife on your plan or if it is easier for them to do it through their own work. It may be less expensive for each of you to get coverage through your own workplaces, so do the calculations to find out which is best.
If you are thinking about getting catastrophic health insurance for a coverage option, make sure that you do your homework first. You need to make a list of the catastrophes you think you could possibly face and then ensure whichever policy you choose covers them all. Choosing a policy which also has a Health Spending Account will allow maximum flexibility in case anything happens you weren’t expecting.
Know how much you spend on medical coverage and other medical expenses if are ready to change health insurance policies. Take note of the amount you pay for your current policy deductible, for both yourself and your family to ensure you are not paying an amount that you cannot afford.
Health insurance is made up of many different factors, and because of this, you need to be organized and prepared when you are ready to choose your policy. When you begin your process, get everything in order, discuss what you need, research various companies and make sure you’re happy with your future policy.
Vegetarian Diet
Health insurance plans tend to be very expensive if you have been diagnosed with a life-threatening illness, so do all you can to prevent this happening to you. One way is to improve your diet by cutting out meat. Unfortunately, insurance is a for-profit business, and most companies conclude that eating poorly is the cause of health conditions later in life like diabetes, heart disease, etc. These diseases are very expensive to treat. By eating a vegetarian diet regularly, you can avoid chronic diseases. Insurers are beginning to understand this. Having a vegetarian diet can let you live longer and pay less for health insurance.
With any luck, this article has given you some great reasons to cover yourself with health insurance. Plan now to avoid facing a health catastrophe without adequate coverage. It is much better to take heed and to prepare. Although health insurance may cost a lot, it is much better than having regrets later on which can be more costly.
