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Wellness

Why It’s So Important To Choose A Health Plan That Fits Your Income Status

Choosing the health care plan that’s right for you is often a simple way to make healthier life decisions and also a way to save money. That’s why every health plan should include your income and it should pay the same amount regardless of how much money you earn as long as you don’t have pre-existing conditions….

Choosing the health care plan that’s right for you is often a simple way to make healthier life decisions – whether or not you decide to go and get a colonoscopy or get an IVF cycle or opt to pay for a private policy… And for my fellow non-upper-middle-class folks, who can’t afford the monthly premiums to get on a public plan, I say, keep the premiums low but still consider getting on a plan that covers preventive health care care…

That’s what I did after working for the government and living in public housing, and my policy wasn’t even that expensive compared to the private plans I would have been on otherwise. It was affordable so I stayed with it – although it was difficult because I would lose out on a fair amount of doctor appointments and tests as a result of the health care plan I chose….

When it comes to insurance, people need to be aware of their own situation and how that affects their purchasing power and their choice in services. Everyone’s experience, circumstances and choices affect their own financial choices, and that’s OK if they’re honest about them… …and then to make sure their health care plan is at the affordable level that will provide essential benefits…

This is where I wish I’d had a private health care practice. Because back then, I was paying a lot of money to see a variety of doctors each day and all of them had pretty good insurance… Now, I’m lucky to pay a relatively small fraction of what I used to pay for visits with multiple providers each time. It’s a different time in American health care – when the Affordable Care Act is working!…

In a nutshell – if you are working as a receptionist now or you are in sales somewhere, and you’re not insured, you need to start looking for health insurance – not because you’re uninsured, but because you are the kind of person who doesn’t want some of the most basic services covered by your insurance plan… …and you certainly don’t want to be in the “in-network” pool that gets most of the health coverage. You want to be in the “whole-network” pool that is considered the best in its group to be covered by insurance… If you don’t understand how this works or why you should care about it, check out this post by Laura Haskins – this one is great too….

What you do before you go to the doctor or fill a prescription depends on how big of a health care budget you have, and it really depends on where you live. Many people need to go to the doctor every six months, so they can pay for some type of preventive health care that would otherwise not happen. Some people can’t afford that, so they go on prescriptions that are more expensive and will cause other problems. But if you don’t go to the doctor – or get checked by someone else that does – your immune system will be compromised, you may end up getting cancer and it will take you longer to recover…

Your health insurance plan should provide essential benefits at a reasonable cost… Some people can’t afford their insurance plans, so they have to drop their coverage or use the emergency room or emergency room ER as an outpatient service that they are charged for… But for many other people, they can go out and get some preventive health care but don’t realize it’s an outlier, because their insurance provides basic health care services… So, in general, I think people looking for health insurance should look for coverage that provides the most basic preventive health care – like breast exams for example, and birth control to prevent pregnancy… …