Leading a healthy active lifestyle is important, no matter your age. Keeping fit and getting enough physical activity is actually a great way to stay healthy and reduce your risk of certain diseases like high blood pressure, diabetes, and even different types of cancer.
But, just because you live a healthy active lifestyle doesn’t mean you are completely immune to illness, injury, or accidents.
Working out too much, or over-training, could lead to injuries or health problems. One wrong move in the gym, on a long run, or while playing a sport could cause lasting damage. Simply put, no one is 100% protected from something negative happening, no matter how in shape you might be. That’s why you should always consult your doctor before starting a workout regimen.
That’s why it’s so important to have insurance when you choose a physically-active lifestyle. Let’s talk about the benefits of that kind of lifestyle, and how that ties into the need for the right kind of insurance.
There are countless benefits to staying active on a regular basis. Choosing physical activity each day can:
Regularly working out can also help to boost your self-esteem and allow you to see your body in a more positive light, especially when you turn your workout into something you enjoy.
Working out can also boost your mental health and reduce the effects of anxiety and depression. That has become especially important during these uncertain times when so many have been stuck at home and feeling isolated. It allows you to stick to a plan and set goals for yourself while indulging in small rewards.
Aside from all of the obvious benefits, staying active can actually help to keep you out of the doctor’s office more than those who lead a sedentary lifestyle. In general, your immune system will likely be stronger and your risks are lower. But, don’t make the mistake of thinking that you are invincible. If you sustain any kind of injury, one visit to the hospital could cost thousands of dollars. Without insurance, it might be impossible to afford.
So, you know the benefits of being active and you’re considering insurance. What next?
There’s no denying that the healthcare system in the U.S. can be a bit confusing, especially when it comes to different insurance plans. The type of coverage you can receive can depend on everything from your age, your income to your active lifestyle.
Many people in the U.S. have private insurance plans. But, that doesn’t always mean they’re easy to understand. One of the best things you can do is to obtain a Summary of Benefits and Coverage form from whatever insurance company you use. It will give you a simple breakdown of your benefits, what you can expect to pay, and what is covered depending on your medical needs.
If you’re confused by some of the language used in your health insurance summary, you can visit the U.S. Department of Health and Human Services website. They have a simple glossary that defines some of the most common healthcare coverage terms, including:
Depending on your age, or your active lifestyle you might also qualify for healthcare coverage programs like Medicare or Medicaid. Medicare is designed for people over the age of 65 and is often supplemented with a different insurance plan, like Medigap, to cover any additional costs. Keep in mind that you will still be required to pay Medicare premiums, even if you do choose Medigap or another supplemental plan.
The best thing you can do is to research as much as possible when deciding on the healthcare coverage options that are right for you (or your children). Consider your monthly income, deductible rates, and what type of coverage will best suit your needs before taking the plunge with a private company.
By now, you probably have a better understanding of why someone with a active lifestyle still need insurance. So, don’t wait to start researching your options, even for other members of your family.
If your children play sports, for example, they are at a high risk of sustaining an injury. High school athletes account for about 2 million injuries every single year that often require doctor’s visits or trips to the hospital. So, even if you think you don’t need insurance for yourself, finding a plan for the people you care about can make a big difference.
If you’re still not sure where to get started with healthcare coverage, talk to your healthcare provider or even other people you trust about your options. Healthcare insurance doesn’t have to be overwhelming or confusing. But, it is incredibly important, no matter how much of a active lifestyle you have and how healthy you are. If you’re taking the time to make your physical fitness a priority, make insurance coverage a priority, too.
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