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Howard the Health Insurance Guys Blog/Uncategorized/"The Hidden Pitfalls of Health Insurance and Common Health Mistakes You Might Be Making"

Wednesday, March 29, 2023

"The Hidden Pitfalls of Health Insurance and Common Health Mistakes You Might Be Making"

Introduction: The current state of health insurance and public health is undeniably worrying. As a health insurance agent, I have seen firsthand how many people struggle to navigate the system's complexities while maintaining their overall health. In this blog, we will dive into the common mistakes people make when dealing with health insurance and their personal health, explore the power and flexibility of Health Matching Accounts, emphasize the importance of dental insurance and oral health, and offer insights on how to prevent these pitfalls.

Choosing the Wrong Health Insurance Plan, Many people fall into the trap of selecting a plan based solely on the monthly premium. While affordability is important, it is crucial to consider factors like deductibles, out-of-pocket maximums, and the network of providers. To make the right decision, carefully review each plan's details, and consider seeking professional advice if needed. The ACA has made all of the above even more challenging to navigate. It has become all about individual health needs. Many times each family member needs to be looked at separately. Networks are particular on the ACA, plus they can be expensive.

Ignoring Preventative Care Regular checkups and preventative screenings are essential for maintaining good health. Skipping these appointments can lead to undetected health issues that worsen over time. Ensure you use your health insurance to its full potential by taking advantage of these covered services. ALL ACA plans cover a yearly well visit. However, this can also be covered on other non-ACA individual health plans. It is essential to know precisely how your well-visit will be covered. It is SUPER DUPER important that the well visit or health check-up is coded correctly. Things that should be routine get coded at the doctor's office as diagnostic. Insurance then does not cover this at 100%. Talk to your doctor and be aware of how this can be coded.

Overlooking Mental Health Mental health is often overlooked when considering overall wellness. Ensure you know your insurance plan's mental health benefits, such as therapy or counseling sessions, and take advantage of them if needed. ACA Plans have CO-Pays for Mental Health coverage. Some individual the ACA Market Place plans also include Mental Health CO-Pays. Telemedicine is another excellent way to talk to someone, especially for RX refills. Ensure your Telemedicine Plan includes Mental Health if this is important to you.

Neglecting Dental Insurance and Oral Health Oral health plays a critical role in maintaining overall health, and dental insurance is an essential part of comprehensive healthcare coverage. Many people overlook the importance of dental insurance, which can lead to untreated dental issues that can cause pain, infections, and even systemic health problems. Ensure that your dental needs are covered by selecting an insurance plan, including dental benefits or purchasing a separate policy.

Misconceptions About Co-Pay Plans Many believe they offer the best value because of their seemingly low out-of-pocket costs for doctor visits and prescription medications. However, these plans often come with higher premiums and may not provide the best value in the long run. Co-pay plans can also give a false sense of security, leading to overutilization of services and, ultimately, higher medical expenses. It is essential to evaluate the total cost of a plan, including premiums, co-pays, and deductibles, before making a decision.

The Power and Flexibility of Health Matching Accounts (HMAs) Health Matching Accounts offer a promising alternative to traditional health insurance plans by providing flexibility and potential coverage for future scientific advancements. An HMA is a medical savings account that helps you save money for healthcare expenses and encourages proactive health management. By contributing to an HMA, you can build a healthcare nest egg that grows over time, giving you more control over your healthcare spending. One significant advantage of HMAs is their ability to cover treatments and procedures that traditional insurance may not cover initially, especially with the rapid pace of scientific advancements. As new treatments and technologies emerge, insurance providers may slowly update their coverage policies. Having an HMA allows you to access these cutting-edge treatments without waiting for insurance approval, ensuring you receive the best care possible. Moreover, HMAs can supplement existing health insurance plans, offering additional financial security and flexibility. In times of need, you can use your HMA to cover expenses that your insurance may not fully cover, such as high deductibles or out-of-network care, CO-Pays, RX, and any costs provided by a MD of any type. (EVEN COSMETIC or ELECTIVE SURGERIES!)

Maintaining a Healthy Lifestyle Health insurance is only part of the equation. Maintaining a balanced diet, exercising regularly, and getting enough sleep are all crucial components of a healthy lifestyle. Adopting healthier habits can reduce your risk of chronic diseases, minimize your need for medical interventions, and potentially lower your insurance costs.

Let us face it; unfortunately, the Health Insurance and Medical industry considers you and your health problems a commodity. There are absolute ways to take control from them!

Conclusion: As you navigate the complexities of health insurance and strive to maintain good health, being informed and proactive is vital. By considering alternatives like Health Matching Accounts, avoiding common pitfalls, and making thoughtful decisions about your insurance coverage and lifestyle choices, you can take control of your well-being and protect yourself from.

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howardvanbooven.com All rights reserved 2023 and beyond. 
5055 N Highway N suite 118  
St Charles MO 63304

Hi, I Am Howard VanBooven

Health Insurance Broker

15 Years Individual / Group Health and Life Insurance. Let me help you empower you to make a great decission in regards to your health and life insurance. 

howardvanbooven.com All rights reserved 2023 and beyond. 
5055 N Highway N suite 118  
St Charles MO 63304