Under 30, Single, and Without Children
Young, single individuals without a family might benefit from a plan with a lower premium and higher deductible. If you only make occasional visits to the doctor, it will save you a considerable amount on insurance costs if you chose a higher deductible. Your monthly payments will significantly decrease, but you will still be covered in the event you are in a catastrophic accident or become diagnosed with a serious illness. If you find yourself in need of more frequent medical care in the future, you can choose to increase your monthly payment and lower your deductible at that time. Every year, during the enrollment or renewal period, you have the option of modifying your plan, or changing your plan completely.
Find a Health Care Plan That Suits Your Lifestyle
Consider your personal philosophy about health and wellness. If you believe education, nutrition and prevention are the keys to staying in top physical and mental health, find a plan that includes preventive care, health education, and discounts on vitamins and nutritional supplements. If you take a holistic approach to healthcare, research plans which cover some costs for chiropractic care, acupuncture, yoga, vitamins, massage therapy and mental health services. Not all plans address mental healthcare. It is important to know if seeing a therapist is covered. Many plans do not cover drug abuse therapy or alcoholism treatment. It is a good idea to ask yourself about your personal relationship to drugs and alcohol. It might be possible that you find yourself needing some help with controlled substances one day. If that day comes, will your insurance plan cover it? Don’t forget to look into healthcare services specific to your gender. Are prostate exams covered? What about mammography screenings?
When you carefully analyze the healthcare concerns and philosophies specific to you, you are in the best position to be your own healthcare advocate. Know what is important to you in terms of medical services and overall health, and be sure to do your research until you find a plan that will meet your needs.
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