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Thursday, 19 September 2013

Advantages Of Health Insurance

By Maryl Joop


Of all of the thousands of health care innovations, there is one standalone winner when it comes to the innovation that has saved the most lives-vaccines. Vaccines are incredibly safe and effective in protecting children and adults from deadly diseases.

There have been claims stating that vaccines are dangerous, but in fact the converse is true-the health benefits of vaccination are great. Research has been conducted on the safety of vaccines for decades and the rate of having severe infections is so low, it's too small to calculate the risk (Centers for Disease Control and Prevention).

It's a contract between you and your health insurance provider. The contract is valid once you buy one of many consumer driven health plans; the agreement is the health insurance company will pay part of your medical costs whenever medical care is needed.

How does health insurance coverage work?

Although many illnesses are unpredictable, many health problems and diseases can be avoided or mitigated by living a healthy lifestyle. Here are some of the "Dos" and "Don'ts" to live a healthy lifestyle.

Prevent Shingles

Shingles attacks specific nerves, causing painful burns and blisters on your skin. About one in three adults will have at least one shingles outbreak in their lifetime.

Thankfully when the shingles vaccine is given early on long term nerve pain can be avoided.

If you are relatively healthy, you may consider having a lower premium and higher deductible.

If you have routine medical visits a higher premium with a lower deductible may be a better choice for you and your family.

Your primary care physician can be your best ally when it comes to living a healthy lifestyle while preventing serious problems. Preventative visits help you understand your health and know what you need to work on to help you achieve true health and wellness.

Pneumonia

Although its prevalence has reduced dramatically over the decades, pneumonia is the sixth leading cause of death. People are especially susceptible to pneumonia shortly after having the flu.

One of the best ways to prevent pneumonia is to get a yearly flu vaccine. There are also vaccinations available should you contract pneumonia.

The health insurance benefits are numerous; namely it saves you from high unexpected costs. On the whole, health care is not cheap.

For example, a three-day stay in a hospital can cost around $30,000. Even an injury that may seem routine, like repairing a broken arm, costs thousands of dollars.

Research what to expect at your doctor's visit to eliminate surprise and reduce stress. You can also research your symptoms and disease to come up with a list of meaningful questions.

Measles, Mumps, and Rubella-oh my!

The vaccination program to prevent measles, mumps, and rubella has been so successful many people have never seen a case of any of these diseases. Parents should not become lax in vaccinating their children for these diseases, because they are becoming more rare-it is only because of vaccination that they have become rare.

Whether you have group health insurance or a personal health insurance plan, contact your provider to understand the health benefits of vaccination and how you can receive the preventative you and your family need.




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