Health Insurance Articles

Why Regular Check Ups Are Important For Your Health Insurance Coverage

2010-04-01

A few years ago, a man in his early thirties, fractured his skull on the concrete floor of the cabinet shop where he was working. An unexpected seizure had changed his life. Surgeries were necessary to help reduce swelling on the brain. He remained in the hospital for over two months to recover from a coma, and then endured another two months of rehabilitation in a state-run rehab facility. Doctors discovered that the man suffered from a brain tumor. A tumor that may have been detected earlier if this man had maintained regular healthcare check ups.

Although this man had health insurance coverages, the high cost of treatment was more than his plan covered. With loss of income from being out of work, mounting bills from doctors and hospitals, and the rise in insurance premiums due to high-risk health problems, as a result of treatment, the financial strain took its toll on his marriage and family. Preventative measures could have helped this family. Now, he is unable to get health insurance because of his pre-existing condition.

Skipping regular check ups may save money in the short term, but could end up costing much, much more if a serious illness goes undetected for a long period. Building a relationship with a primary care provider through regular check ups will help your doctor in recognizing the early signs of diseases, such as, cancer, heart disease, and Alzheimer's, just to name a few of the most expensive medical concerns. Parents typically take infants and young children to visit the doctor on a regular basis. Adults, however, are more likely to postpone check ups for themselves due to lack of time, or lack of health insurance coverage. Some adults try to self-diagnose and self-treat with over-the-counter medicines when they begin feeling ill. Unfortunately, the cost of treatment for advanced diseases is higher than many people realize.

Insurance companies have learned that it is less expensive to cover preventative measures than to wait until the patient has a serious illness that requires long-term care. Health insurance coverages often pay for yearly health exams and early prevention or diagnostic treatment. However, once an illness has been detected, companies may limit the amount of healthcare coverage they are willing to permit. With health care costs increasing, many health insurance companies are looking for ways to provide the best care possible for the lowest investment. For the best care and treatment, make regular visits to your doctor. Prevent illnesses before they get to the advanced stages of progression. Health insurance is a necessity for your health, but the costs do not have to leave you in the poor house.