I’ve been going to the chiropractor and physical therapist (PT) all my life. I started taking a long term policy for my brain and spine in 2009, but it has become much more. I’ve been taking a regular policy since 2015 to help keep costs down and to help my back and neck. I have been seeing my physical therapist for three years now.
A good health insurance policy is one that does not charge extra for things like a massage, prescription medicine, and physical therapy. But because of the high healthcare costs, some people are taking more of a “health” or “wellness” approach with their insurance. If you are in this category, you may want to check out a wellness insurance policy. These policies usually offer much lower deductibles and premiums than traditional health insurance.
The thing with wellness insurance is that the deductible can fluctuate wildly depending on your health. If you’re healthy and on a plan that offers a $3,000 deductible, you may end up paying a minimum of $1,000 for your deductible. Of course this is more or less a moot point unless you have a very high deductible.
The deductible on a wellness policy is usually much lower than that of traditional health insurance, and can even be as low as 2,000. Most wellness policies are available in the $50-$100 range.
Of course, the big problem with health insurance is that it can be so expensive, that it can become a burden to even consider it. If you only have a plan that costs $100 a month (i.e., you’re not willing to spend $10,000 a year), then you’re not going to be able to afford it, no matter how healthy you are. The way to avoid this is to consider a health savings account (HSA).
A health savings account (HSA) is basically the same as a traditional health insurance plan, but in the health savings account you will be able to save up to a certain amount each month. The advantage of this is that you can actually invest your money in an account with a higher limit. If you have about $50,000 in a HSA, you can actually invest this money in stocks and bonds.
If you don’t have a health savings account, you can use our Health Savings Calculator to find out how much you might be able to save. It’s simple, you input your income, your expenses, and your current level of health, and you’ll be able to calculate how much health savings you will get each month.
The HSA is also a great way to save for a child’s education, a home emergency fund, or for other emergency situations. You can also opt to put up to $2,000 a year in health savings funds that go toward paying for your health insurance. Some medical experts recommend that you should invest in medical savings accounts as well.
Personally, I have found the HSA to be a fantastic tool for saving for the future. I know that I’m not the only one who likes to have a set amount of money available to them when they need it most. I don’t think that I’m the only one who gets sick, and I’m not the only one who needs help with the bills.
You can choose to get in touch with the health plan providers at www.healthcare.gov and discuss whether or not you would like to take a plan that provides a lower monthly price. They’re willing to cover the cost of any health care plan.
