As much as we try, it’s sometimes impossible to avoid a medical emergency. Do you know how you’ll afford care in the event of mounting medical bills, pricey procedures, or unforeseen expenses?
Even if you’re young and healthy, it’s still important for you to have the right insurance. Your health insurance protects you from higher out-of-pocket costs and helps you find the right primary care provider for your needs. If you’re wondering why it’s a good idea to buy health insurance when you’re in your 30s, here’s what you need to know.
Your health insurance helps you spot health problems.
When you’re trying to compare health insurance plans, it’s important to know how your health plan can benefit you. Ideally, you’ll use your health insurance for regular primary care physician check-ups and maintenance visits. These regular health screenings serve an important function. Oftentimes, your primary care physician will give you a clean bill of health and have you schedule your next appointment on your way out. However, in other cases, your primary care provider might spot something, detect an anomaly, or receive concerning test results.
This enables your primary care provider to look for early incidence of any long-term or chronic health problems that could impact your wellness. In many cases, the sooner your primary care provider knows about an existing condition or medical diagnosis, the easier it can be to treat. Plus, your regular visits and annual wellness checks also encourage a healthier lifestyle. Your physician can provide key recommendations and referrals to help you set up an effective health plan.
You’ll pay a higher premium when you’re older.
Have you ever wondered how your health care provider or insurance company calculates your monthly premium? Most insurers factor in your existing conditions, where you live, and your age. As it stands, the older you are, the more likely you are to pay a higher premium, though there are exclusions. Because of this, you’ll save money by purchasing a health plan when you’re in your 30s and relatively young.
Care affordability is one of the major considerations surrounding health insurance plans. Buying a health plan earlier than you think you might “need” is a smart way to save money on insurance products while enjoying the extra benefits and covered health care services.
Buying early helps you meet insurance requirements.
In certain cases, you won’t be eligible for select health care services and insurance products until you’ve completed a health insurance waiting period. This can happen if you have any pre-existing conditions or other medical considerations that could impact your health care services.
For example, while you’re in your 30s, you might not need immediate access to these extra benefits and insurance plan coverage. However, as you get older, that might change. Instead of having to start that medical services waiting period, you’ll be able to make full use of your policy when you actually need it.
When should you buy a medical plan?
Whether you’re in your 20s, 30s, or your 50s, it’s important to know how to navigate your health care costs and find an insurance plan that has enough extra benefits to meet your unique medical needs. Whether you’re looking for a plan that will connect you to the right primary doctor or you want to avoid a high deductible, there are ways that you can compare each network of providers and decide between medical plans. Depending on your unique healthcare needs, your medical plan may vary greatly.
However, one thing remains constant: It’s often better to buy early and buy affordable. This can help you save on your plan type or help you find the right marketplace plan that meets coverage standards. Your insurance is a must, so you don’t want to neglect it.
