The purpose of insurance is to protect you from unexpected financial burdens due to catastrophic events. If a tornado takes the roof off your house, your homeowner’s insurance helps to replace it. If you get into a car accident and damage your car; auto insurance helps pay for repairs. 

Health insurance serves the same purpose — to protect you from large medical bills due to illness or injury. And it offers additional coverage that other insurance doesn’t. Preventive services are a prime example. Annual physicals and regular screenings to help maintain your overall health before major illness strikes are fitting examples of this extra coverage.

Maintain Your Health

Maintaining your health through regular checkups keeps overall costs low. It also makes it easier to catch conditions like cancer or diabetes early so treatment can start right away. Early detection also increases your chances of better outcomes if your doctor does find something.

Since the passage of the Affordable Care Act, health insurance covers most preventive services at no added cost to you. As long as your doctor or medical provider codes your visit as “preventive”, your insurance will pay.  If, however, you are being seen to monitor a condition like high blood pressure, those visits aren’t preventive.

Making better lifestyle choices can keep you healthy and your medical costs low. For instance, eating healthy foods, regular exercise, and low to moderate alcohol consumption contribute to better overall health.

Benjamin Franklin said, “An ounce of prevention is worth a pound of cure.” By making healthy choices and getting regular checkups, you can make an ounce of prevention and save a pound. 

There is A Better Way