As health risks and medical uncertainties are a part of life, it goes without saying, preparing for emergencies is imperative for financial security and peace of mind. It’s not like you’re planning to get sick or have an accident, but we all know that these things happen. Though I may not like or agree with all that insurance represents, it is wise to have it…at least, the bare minimum coverage.
Having insurance means that most medical expenses are covered for anyone included in the policy. In some cases, additions such as Medicare Nationwide can be added as a supplement as well. Medical bills can literally bankrupt families if they are too steep to handle. Unfortunately, this can even happen with insurance if the premiums, deductibles, and copays are too high. It’s important to understand the various types of health insurance plans, such as individual, family, major medical, etc. Here are some major reasons to have health insurance.
Your Lifestyle Hasn’t Been the Best
If you can honestly say that you haven’t lived a healthful lifestyle in the past, it may be even more important to carry a good insurance policy. Things such as poor eating habits, substance abuse, stress, and lack of exercise, etc. all play a part in the risk of developing health problems.
Of course, it’s never too late to make changes, there may still be negative consequences to your past actions. Do what you can now to be healthier, but cover yourself in case unexpected health challenges show up.
Peace of Mind
Even if you are the healthiest woman on the planet and never have a medical scare, there is something to be said for having peace of mind. Yes, insurance premiums are a chunk of change, but the damage an emergency can do is far worse. Worrying about whether something will happen to you or your family is no way to live. I recommend getting insurance coverage that meets the needs you have without breaking the bank. You will need to weigh out the risks and costs to make the best decision.
Rising Medical Costs
Medical costs have dramatically risen in recent years, and they aren’t likely to stop anytime soon. Having inadequate or no insurance will leave you with major medical bills should something severe happen. This can take a massive toll on your future plans. Consider this an opportunity to live a healthful lifestyle and teach your family to do the same. Truthfully, the best defense against disease is to not be there…
It Covers General Health Maintenance
So, we’ve touched on the importance of having a policy because of medical emergencies, however, a complete insurance policy also covers expenses such as physicals, minor injuries, flu, well-child checkups, and sometimes even a check-up at the dentist. Additionally, out-patient procedures, diagnostics tests, and your appointments with your provider are covered completely or mostly.
Some insurance policies cover other services such as the following.
- Ambulance coverage
- Physical therapy
- Chiropractic care
- Vaccination expenses