We will rarely thing about insurance unless we have to. As it’s a complex topic for most of us who are not working within this industry, we fail to understand the importance of insurance and, consequently, see it as a waste of money instead of a smart investment.
When it comes to health insurance, your finances will be strongly affected by the fact if you have it or don’t have it. Deciding not to have health coverage puts you into the tremendous risk of a financial disaster. Your medical bill can easily go up to several thousands of dollars and you don’t even need to have a serious health problem.
Buying a health insurance policy protects you from that disastrous financial loss, however, finding the right policy is not easy. Not choosing the right option for yourself can also lead to costs which can end up being higher than they should be. To encourage you to start researching options and find the best one, we bring you things you didn’t know are covered by this type of insurance.
Massages
If you’re struggling with chronic pain for a while now, you’re aware of how massages can help alleviate that pain. In case your doctor prescribes you regular massages, your insurance company may partially cover the costs of your massages. Of course, if that happens, your insurance company will require going to a massage therapist which is within their network. Choosing your preferred therapist over the one suggested by your insurer means you will have to cover all the costs by yourself.
Hot Tub
Similar to massages, your doctor can also prescribe you regular hot tub time for chronic conditions, such as arthritis or poor circulation. If your medical condition can be improved by something as simple as a hot tub, your insurance company might pay partially or completely for your hot tub installation.
Diapers for Children with Disabilities
Every parent knows that diapers are one of the biggest regular costs of having a baby. If your child has a disability which makes it harder or impossible to potty train, your insurer should cover the costs for your child’s diapers as long as necessary. If it’s not covered by your insurance company, you should consider changing health insurance.
Breast Pumps
The majority of insurance companies will help new mothers pay for a breast pump without any problem. Of course, their specifications might differ but you will not have trouble finding the insurance company that will cover these costs for you. That being said, some insurers will only pay for rented breast pumps or hand pumps. That’s why you should always check all the details before purchasing your policy.
A Gym Membership
There are a lot of companies that offer a health coverage to their employees, and there’s a good chance that you can get a discounted or a fully paid membership within it. The best thing to do is to check with your company what is included in your plan before deciding to purchase it on your own. Besides the gym membership, the total amount for paying insurance through your company will cost you significantly less than purchasing it by yourself.
Mental Health
Did you know that some health insurance policies even cover mental health? If you already have your own policy, check with your insurer is it possible to add it because you will pay less for adding it to your policy than you would pay for therapy. In case your physician prescribes you therapy and it’s included in your policy, your insurance company will have to pay for it.
Prescription Formula
If your baby is allergic or sensitive to breast milk and should only consume a prescription formula, your insurance should cover that as well. When you estimate how much money you would spend on the prescription formula in several months, including it in your plan seems like a better option.
Vacation
Having time to relax and not thinking about your work is crucial for your health. That’s why many insurance companies will include regular vacations in their plans by offering incentives. In other words, your insurer might have a partnership with a major hotel chain and offer discounts to you for these hotels. So, before booking your next vacation, make sure you check if your insurance company has a partnership with a hotel chain and simply let them know you’re interested.
Final Thoughts
Start researching options for your health coverage as you could save a lot of money if you do it on time. It’s one of the biggest misconceptions that this type of insurance only covers strictly medical services such as hospital stay, surgeries, examinations, etc. It will help you have a great quality of life and not worry about unexpected costs!
