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In Vitro Fertilization: Technology’s Gift To Infertile Couples

source: dodlive.mil

Many couples, who after exploring different options to treat infertility, still fail to have their own child.   Having the inability to conceive puts both of them under so much stress and emotional turmoil, and often this becomes the cause of the relationship becoming unstable.

 

My husband and I have been married for two years and have been wanting to have kids.  Every time we have a gathering with friends, we feel pressured whenever topics about kids are brought up.  Because of pressure and maybe shame, we just sometimes not show up during our group dates.

Our doctor keeps on encouraging us that we should never give up, and we still can have our own kids through in vitro fertilization, but we have to prepare for it financially, emotionally, mentally, and physically.  As a matter of fact, we are talking about it, gaining insights about how it works, and in the process of finding out if our insurance is going to cover it.

 

How In Vitro Fertilization Works

In vitro fertilization is a modern procedure which aims to assist couples to bear a child of their own.   It is a process where mature eggs are being collected from the ovary and fertilized by sperms in a laboratory.  The embryo or the fertilized egg is then deposited back into the woman’s uterus.  A cycle of IVF could take two weeks.

 

IVF generally has a higher success rate especially for women below 35 years of age, making it the most effective technology in assisting couples to have a child.   It can be done using the husband and wife’s own egg and sperm or can be from a known or unidentified donor.

 

Successful And Failed IVF

Some successful people have tried in vitro fertilization, and some of them have even come forward to tell about their experiences within vitro fertilization.

 

Source: pixabay.com

 

Khloe Kardashian has been very open regarding her fight with infertility and her unstable married life.  Her body does not have the ability to release an egg, and the lining of her uterus is not thick enough to hold a pregnancy.  She attempted IVF with the hope that a child would save her relationship with NBA player Lamar Odom, but the treatment did not work out, so did her relationship.

 

Giuliana Rancic, E! News host, had three IVF cycles.  The first attempt, she got pregnant but had a miscarriage, the second did not work out and she did not get pregnant.  During the third time, she found out that she had breast cancer, so she and her husband decided to have a gestational surrogate to carry their son who was finally born in 2012.

 

Nicole Kidman had miscarriages and an ectopic pregnancy that caused her depression.   She never stopped and had tried all the possibilities to get pregnant.  Nicole had her first child in 2008 and through a gestational carrier had her second one in 2011.   She said that though the success rates were meager, she still tried and had the miracle of her life.

 

Sarah Jessica Parker also had twin daughters who were born through a  gestational surrogate in 2009.

 

Brooke Shields even wrote a book which tells about her struggle to get pregnant and the postpartum depression she had.  She had several failed IVFs and a successful one in 2002, where she gave birth to a baby girl in 2003.

 

Emotional and physical pain and shame brought by being unable to bear a child could put couples in so much stress.  No matter how having no kids affect your relationship, it is essential to endure the hardships, share your feelings and be each other’s support.  The psychological wellbeing of both couples is paramount to improving the relationship and keeping couples more relaxed especially during sex.   Sex should not only be about conceiving, but couples should enjoy each experience.   Support from friends and families is also essential to enhance the healthy relationship between infertile partners.

 

Those who had failed and even those who have had successful IVF treatments have only one thing to say about the process.  It is an upsetting and brutal process as it puts them in an emotional roller coaster. But no matter what, once they take a look at their baby, the feeling is unbelievably beautiful, and they are very thankful that they did it anyway.

 

Just like what our doctor had advised us, stability in the relationship and healthy psychological status of the infertile couple, like us, can aid a lot in having a successful in vitro treatment.   And since we are already considering it, we are preparing ourselves emotionally and mentally whatever the outcome may be.

Source: commons.wikimedia.org

In vitro fertilization is quite expensive and some 15 states in the US protect couples through its law regarding insurance covering part of the infertility treatment.  Though complicated and straightforward, there are insurers who don’t cover infertility services, but some pay for all of it, and some just go in-between.   Find out if your state belongs to those who support infertile couples to get some help with payment for fertility services through insurance plans.

 



Is Couples Counseling Covered By Your Insurance? 

Source: pixabay.com

Are you considering getting health insurance?   It is crucial that you know what benefits it covers and what type of insurance you are getting.   

 

If you are a couple who is undergoing marriage counseling or therapy, it is essential that you understand if the insurance plan you are paying for covers your sessions.    

  Continue reading 



Thyroid Conditions: Know What’s Causing Your Mental Illness

Source: health.mil

 

Homeostasis is needed to ensure that the body and mind function correctly. This means that there should be a balanced and harmonious environment guaranteeing that all bodily systems are working in proper coordination. One body system that shows some relationship with the mental health condition is the endocrine system. The endocrine system is comprised of several glands and organs that are responsible for the production, regulation, and control of certain hormones and brain chemicals. If there are some alterations in this functioning, it can result in medical conditions and at times mimic some mental illnesses.

The most common endocrine condition that is associated with psychological problems is related to disorders of the thyroid gland. Located in the anterior portion of the neck, this gland is responsible for metabolism, digestive and heart functions, control of muscles, development of the brain and bone maintenance

Hyper or Hypo

The hormones that the thyroid gland secretes and regulate are responsible for the correct balance in maintaining heart rate, metabolic rate, digestion, and nervous system functioning. If there will be an increase or decrease the supply of these hormones, then medical and psychological problems can happen.

An increase in thyroid hormones characterizes hyperthyroidism. A person with hyperthyroidism will have the following clinical manifestations:

Source: 931arw.afrc.af.mil
  • Heightened sensation and awareness
  • Manic and depressive states
  • Irritability
  • Intolerance to heat
  • Increased vital signs like heart rate, respiration, and body temperature

Hypothyroidism is the inadequate or decreased production of thyroid hormones. Often, this condition is diagnosed late because the symptoms develop slowly and the person may not detect that they are already having some clinical problems. In this condition, everything is in the slow-motion process. The individual may present the following behaviors:

  • Slow comprehension
  • Decreased mental functioning
  • Memory retention problems
  • Melancholia and having paranoid thoughts

What To Do

The only way to detect if you have thyroid problems is thru blood works to compare the levels of the thyroid hormones. With regards to the mental health issues, the general practitioner will refer the person to a psychiatrist to further evaluate the behavior and mood and impact of the physiological changes to the daily activities.

 

Treatment

In the medical aspect, the person will be given synthetic hormones to augment thyroid hormones in the case of hypothyroidism. If the case is hyperthyroidism, surgical removal of the thyroid gland is the best option then will be followed by medications to represent the adequate supply of thyroid hormones in the absence of the thyroid gland. Medications are to be taken in a lifetime.

Source: commons.wikimedia.org

If the person presents behavioral problems, a psychiatrist can help to give medications to alleviate panic and anxiety symptoms. Also, since the medical problem can bring some physical changes such as weight loss or obesity, eye problems (protrusion of eyeballs in hyperthyroidism), and hair loss, self-esteem issues can be a significant concern. The person is expected to express their feelings to the mental health professional that is assisting them so that proper counseling is in place.

The overall outlook for thyroid ailments is good. Psychological problems may take some time to manage, however, the prognosis is promising. Contact your doctor immediately if you feel that you have these types of medical illness so that early intervention and prompt recovery is assured.

 

 

 



Infertility: A Couple’s Nightmare

 

Source: flickr.com

Most couples decide to be together in order to build a family.  Early on in their relationship, they have imagined how many kids they would want to have.  But this dream doesn’t always come to be realized, leaving couples frustrated.   They start to lose hope, and some relationships can even turn sour when no pregnancy occurs even after years of trying.   Infertility becomes a suspect and sometimes the culprit of a breakup.

 

Infertility is the inability of the reproductive system to conceive or carry a pregnancy after a year of trying.   The problem can either be from the woman or man or both of them.  Ten to fifteen percent of couples in the United States are affected by this condition.

 

In some cases, infertility can be treatable so couples are advised to seek medical assistance if no pregnancy occurs after a year of their unprotected sex.   Both partners have to submit to an examination to know the state of their health overall and to see if they both have problems that hinder the woman to get pregnant.

 

Testing As Early As Possible

One way to find out the reason for infertility is to x-ray the woman’s fallopian tubes and uterus (womb).   The fallopian tube is the path where the eggs travel from the ovaries to the uterus.

Semen analysis or the sperm count test is also another test being done.  It is to evaluate the health and capability of the male sperm.  Semen is the liquid containing sugar, protein substances, and sperm that comes out during ejaculation.

 

Once the doctor finds out the underlying cause of infertility, drug therapy or surgery is recommended to correct the problem.

 

Source: health.mil

Infertility In Men

Azoospermia is the most common infertility condition in a man where he produces no sperm.

When a man produces not enough amount of sperm, the condition is called oligospermia.

There are also cases where sperm cells are too weak that they die before they reach the egg. Some sperm cells may also be deformed.

 

Infertility In Women

Infertility in a woman is caused by many factors which can damage or block the fallopian tube such as

  • Pelvic inflammatory disease
  • Polyps
  • Endometriosis
  • Adhesions
  • Previous infection
  • Defect at birth
  • Previous ectopic pregnancy

 

Other causes of infertility in a woman can also be

  • lack or irregular ovulation
  • polycystic ovarian syndrome
  • inferior quality of egg cell
  • poor immune system
  • chronic illness that is left untreated such as diabetes, kidney disease as well as a thyroid disorder
  • substance abuse
  • exposure to toxins in the environment
  • advanced age; women over the age of 35 have lower chances of conceiving
  • sexually transmitted disease like gonorrhea that is not treated
  • obesity or cases of being underweight

 

Once these conditions above are corrected, there is a big possibility of conception in the future.  But if treatment of such disease still fails, the doctor can explain to you other options that couples can explore.    There are drugs that can stimulate the production of much healthier eggs and the use of in vitro fertilization.  These options may be costly but have higher chances of success.

 

Source: health.mil

Infertility is said to be most common in women than men, but the reality is that only one-third of infertility can be attributed to women, another one-third of infertility cases are problems related to men, and the last one-third can be due to both couples and other causes that are still yet unknown.

 

To build a family is one of the reasons why a man and a woman get married, but failing to get pregnant can be frustrating to both of them that infertility slowly becomes a couple’s nightmare.   Partners should consider getting an examination if the woman is unable to conceive after a year of trying to get pregnant in order to address the problem early on.

 

Insurers know that to have children and become parents is the essence of being a couple, that is why there are insurance companies who currently cover portions of infertility treatment.  Check your policy or talk to your insurer to find out.



Money Talk: The Insurance World’s Little Regard For Mental Health

Source: gbsindependent.org

Congress passed and made the Mental Health Parity and Addiction Equity Act (MHPAEA) a law some ten years ago. With its passing was the rising hope that individuals who suffered from mental health maladies and substance abuse could get treatments as quickly as those who have other conditions.

But almost a decade later, that hope has clipped wings.

The Issues

Many people who have mental health conditions have difficulty finding therapists who accept insurance. Additionally, looking for treatment facilities for PTSD and bipolar disorder that’ll take insurance for inpatient therapy can be very challenging.

 

Why is that?

The answer lies in how insurance companies are treating mental conditions and substance abuse as well as the treatments appertaining to these said health circumstances.

Milliman, a healthcare consulting firm, found two significant inequalities in the way the insurance market treats addiction and mental health compared to their physical counterpart.

 


Source: tampatherapy.com

 

The Disparities

In their analysis of about 42 million medical claims records from various major insurance players, they discovered that:

 

  • Firstly,  four to six of ten Americans have to employ out-of-network mental healthcare, and the most likely cause is that a lesser number of psychologists and psychiatrists accept insurances.
  • Secondly, for therapists who are in in-network psychological health care, the reimbursements they receive from insurers are significantly less than what primary or specialty care providers get for similar treatments. Example, in 2015, primary medical professionals collected approximately 20% more than mental health professionals did from insurance companies meaning that for every $1 the former got, the latter only had 83 cents.

This common insurance company practice has created an imbalanced system for both mental and physical healthcare and could become the chief reason why psychological therapists wouldn’t accept insurance in the future. And it’s happening as the country is grappling with the rising number of deaths through suicides and overdoses. In fact, the current rates for these two are at their highest in over ten years!

 

Put Teeth To the Law

2008 saw the passing of a landmark mental parity law. Its goal was to make psychiatric health care and abuse treatments more accessible to people by preventing insurers from erecting blockades to therapy services, something they wouldn’t usually do for physical medical care.

For instance, the law prohibits insurance companies from determining payment caps for addiction and depression treatments, restraints that wouldn’t otherwise be present if the said ministrations were for physical maladies such as an injured foot.

In theory, the law would make broader insurance coverages for mental disorders and addictions while lessening the barriers people seeking psychiatric care might encounter.

 

But it seems all of that would have to stay on paper.

“I am quite surprised it was this bad,” said a health services company’s former CEO who has worked on parity for a decade now. “I thought we were doing better, but these numbers just proved that insurance companies are still giving mental health little regard after all these years, even after the passing of that landmark law.”

 

 

And The Hurting Shows

 

Source: inquisitr.com

 

Caryl suffers from borderline personality disorder while wrestling addiction issues at the same time. She sees a therapist for both conditions weekly. Before, she had a co-payment of $25 for every session she has with the said professional. But in 2015, however, the latter refused to accept her insurance which upped her therapy payments to $110 for every session.

She called ten other therapists asking them if they’re willing to take insurance from new patients and all flatly said no.

“I make $30,000 annually, so those $110 therapy sessions are like luxury items to me. There were weeks I had to choose groceries over visits to my therapist and for someone (like me) who are struggling with jobs, making friends and living, that’s just so wrong,” she lamented. “It feels like I’m not worthy enough to be helped.”

As what one mental health advocate stressed out: “Two of the main reasons why people don’t seek mental health treatments is the scarcity of the providers and the cost for each session. And this reality is hurting a great number of Americans.”



Effective Ways To Handle Stress

Are you always stressed about the things that are happening in your life? Do you experience anxiety most of the time? If you answered yes to these two questions, then maybe it is about time to consider eliminating the negative emotions out of your life. Keep in mind that the more stressed and anxious you become, the more dangerous it is for yourself. Aside from this, it can also start to affect your relationship with the people around you.

 

 

For today’s article, allow us to provide you with different ways on how you can make it happen. Make sure that you read the article from start to finish so that you can discover the practical techniques on how to get rid of stress.

 

Take A Break

 

One of the essential things that you must never forget is to rest when necessary. Stop making yourself a slave of your work and business. Find time to rest, especially at times when you need it the most. When you are already stressed with the things happening in your office, never feel guilty to take a break. Go home and rest on a weekend. At the same time, you can also consider traveling to a new country or city. You can travel alone or with the people close to you.

 

 

Have A Balanced Diet

 

Are you aware that the food you eat can have adverse effects on your body? Make sure that you focus on choosing healthy and nutritious food. Aside from this, you must also start to eat on time. Do not skip your meals because it will not only make you cranky. At the same time, it can also result in some illnesses or sicknesses. Keep in mind that when you are sick, the chances of experiencing stress also increase.

 

Relax And Have Fun

 

You must stop thinking about negative thoughts as you are trying to survive life. Remember that you can take control of all the circumstances that will come your way. You can always select or choose how to react to the situation that you encounter. What is essential is that you remain relaxed at all times. Do not let anything or anyone annoy you easily. Be bigger than your issues so that you will not feel stressed out.

 

 

Choose Your Daily Company

 

Another thing that you must never forget is the significance of learning how to choose your friends right. As much as possible, keep yourself away from those who constantly make you feel bad. They do not deserve your attention and care. Instead, surround yourself with those who encourage bringing out the best in you. These are the persons who are supposed to stay in your life because they care for you. Remember that you are too great to be with those who can bring out the worst in you.

 

Stress is easy to eliminate as long as you know the right things to do. Keep yourself happy, and everything will start to improve soon. Follow everything we mentioned above for a better you!

 



How To Stay Healthy

There are many things that you need to remember when it comes to staying healthy. As much as possible, it is essential to keep yourself fit and healthy at all times. Remember that when you encounter a medical condition or an illness, it can have a ripple of adverse effects in your life. First of all, you may end up draining your finances because of the treatment or medication. Second, you will put a lot of stress and anxiety in your family members. Of course, they will worry once you get sick. Third, you may experience a lot of pain and inconvenience.

 

Source: pexels.com

 

Fortunately, taking care of your health is not a big problem at all. You can be happy with your life while trying to live a healthy lifestyle. Stop making excuses for not acting right today. Take note that the more you value your health, the better it is on your part. In this article, we are going to share or provide you with easy and practical ways on how to stay healthy. Here are the top things to remember:

 

Get Enough Sleep

 

When was the last time you had seven or eight hours full sleep? If you cannot remember when then that is an indication that you have to change your sleeping patterns. Stop depriving yourself of sufficient sleep. Keep in mind that staying up late in the night will not do you any good. It will only tire you out the following day and even put you in a bad mood. On the other hand, sleeping early can keep your energized and stress-free.

 

Source: pexels.com

 

Be Physically Active

 

As much as possible, find time to go to the gym or do your home exercises. Stop thinking that you are too busy with physical activities. If you do not change this mindset, there is a high chance that you will suffer from illnesses or sicknesses. Remember that exercising will not only health you prevent from encountering medical issues. At the same time, it can also improve your mental awareness. When this happens, you can get a guarantee that your life will be a lot better.

 

Avoid Stress At All Times

 

Do you know the things or people that continue to add stress in your life? Make sure to avoid them as soon as possible. Do not wait before it is too late for you to get out of a compromising situation. Remind yourself that you are absolutely in control of everything that is happening in your life. Never let anyone or anything cause you stress. Take note that too much stress or anxiety can affect your physical health and mental health. If you keep on entertaining negative emotions in your life, you may end up getting depressed. Depression can make you feel down most of the time. Aside from this, it can also make you want to harm yourself at times.

 

Source: pexels.com

 

Take care of your overall health while you are still young. Always prioritize self-care as it can offer you tons of benefits in the future.

 



What You Need To Know About Health Insurance

Getting health insurance at this time of your life has become a necessity. As much as possible, get the right insurance policy while you are still young and healthy. Keep in mind that no matter how fit you are, there is still a high possibility that you may encounter a medical condition. At the same time, even if you have all the money necessary for the treatment, the entire process can still drain your finances. Because of this, you must take time to get insurance.

 

Source: pexels.com

 

We understand that several people out there are not comfortable in getting health insurance. They think that the money to pay the premiums will just go to waste if they are not going to get sick. Some people also say that they are only attracting illnesses or diseases to come their way if they have insurance. As such, we are inclined to share some of the things that you must know about health insurance.

 

The Company

 

The first step that you must do is to research about the available insurance companies in your locality. Look for a company that has a good reputation in the community. Find time to search for one that can provide everything you need through its policy. You must look for the insurance provider that can instantly pay your claims whenever you need one. Otherwise, you may end up having problems in the future.

 

Source: pexels.com

 

The Deductible Amount

 

Just because you have health insurance does not mean that the insurance provider will pay everything for. Keep in mind that there are still expenses that may not be covered in the costs. It is best to discuss the terms and conditions with your insurance agent before getting a policy. If you are not sure with the information, do not hesitate to get a clarification from the agent.

 

The Online Account

 

Are you aware that several insurance companies are now embracing technology? Most of them already allow insurance principals to create an online account to access the details of the policy. Make sure that you enroll your account in the online system so that you can see everything in one portal. Most announcements or news by these insurance firms are also posted in the said portal. Getting an online account is essential these days, especially if you want to get updated instantly.

 

Source: pexels.com

 

The Payment Terms

 

The best thing about paying for insurance premiums is that they can be scheduled depending on your capacity to pay. Almost all insurance providers offer monthly, quarterly, bi-annual, or annual deadline for the premiums. You can discuss this with your insurance agent before finalizing the policy. These firms also provide a grace period wherein you can still pay the premium after the deadline.

 

What are you waiting for? Find the right insurance agent now so that you can get your policy. It is better to pay premiums now than drain up your savings for future health complications. Be prepared for what might happen in the future!

 



Tips In Finding The Right Insurance Agent For You

If there is one thing that you need to prioritize right now, it is finding the right insurance agent for you. Make sure that you have insurance that can take good care of you when you encounter health issues. As much as possible, take time to get health insurance while you are young. Keep in mind that the younger you get it, the more affordable the premium payments are. There are also many other benefits if you get your insurance from the right agent.

 

Source: pexels.com

 

As you probably noticed, the insurance industry is already saturated. Many companies are now offering several packages to their target clients. The question now is how you are going to find the best company that suits your needs. Of course, the first thing that you must do is to look into the best insurance agents in your local area. In this article, we are going to state or provide you with the list of tips to remember when searching for the right agent:

 

Ask For Referral

 

Do you have close friends or family members with insurance plans? Talk to these people and ask for recommendations from them. Do not hesitate to throw out all the questions that you can think about. If possible, ask about the details of their agents so that you can easily decide the right one to choose. Listen to their suggestion because they are the ones who have previous experiences with the agent.

 

Source: pexels.com

 

Talk To Several Agents

 

Before you decide on where to get your insurance, make sure that you spend time talking to several agents first. Do not rush the process of finding the right insurance agent for you. It takes a lot of time to understand the insurance policy as well as the rules and regulations that you need to follow. It requires an excellent agent to deliver the most convincing proposal. Keep on meeting agents until you find the best one.

 

Search For The Expert

 

Another way of searching for the best insurance agent is to use the availability of the Internet. All you have to do is to go online and read the recent news regarding the insurance industry. You will be amazed or surprised to find out that some several features or articles talk about the recent work of the expert agents. However, it is recommended to verify the source of information first before you believe it. Do not forget that some information on the Internet may be fabricated. Find time to check the authors and sources of the features.

 

Source: pexels.com

 

Now that you are aware of the persons to contact for your insurance needs, be sure to get one as soon as possible. Do not wait before it is too late. Remind yourself that health insurance is not an expense but an investment. It can offer you several benefits in the future, as long as you get it early. The first step is to talk or get in touch with the right agent.



Should I Really Be Insured For My Health?

Source: pixabay.com

With the continuing cost of healthcare in America plus the ever-increasing incidence of health conditions, insurance these days is a grave need. Health insurance offers people a solid backup during emergencies, as health risks are part and parcel of life and are quite unpredictable. Of course, one doesn’t plan when he gets ill, but he can arm himself financially. Whether it’s the cost for a physician, therapist, or psychiatrist, purchasing health insurance is one of the most reliable ways to be financially ready against any sudden health hazards.

What Is It?

Health insurance is a category of insurance coverage that takes care of medical expenses that are billed to the insured. The insurance company can refund it, particularly if the insured individual has been billed for his injury or illness, and it may also pay the healthcare provider directly. There are various types of insurance, including individual and family health insurance and life-threatening illness insurance. Buying health insurance is a crucial aspect of financial and life planning.

As already mentioned, health insurance offers people with a reliable backup during medical emergencies. However, it is a sad truth that up until today, healthcare in the United States remains to be a costly issue. Reports reveal that India still has the lowest permeation of insurance company sales in the world. Fortunately, people like Ayushman Bharat Yojana are currently helping alleviate this problem in the said country, among other new initiatives.

There are more than enough reasons to purchase a health insurance policy. This is especially useful if you are supporting a family because you choose the family insurance option to better take care of their medical needs. But it is important to note that the good insurance policies that people have to buy vary per person and they also depend on several different factors.

Why Get Health Insurance?

Most of us buy an insurance plan because we don’t want to pay so much when we are admitted to the hospital. Some get a plan to protect their family in case of an emergency. Here is a list of some of the most common reasons why people decide to get health insurance.

Source: pixabay.com
  • Fast-Increasing Medical Costs. Medical lab tests, diagnostic examinations, and other medical costs are rising every year. So when medical emergencies occur, families often exhaust most of their savings to pay up for the hospital bills. In India, residents primarily use their savings to deal with medical emergencies.
  • Change In Lifestyle. Our way of living has tremendously changed these days. We have become more assertive, curious, and willing to do anything to provide more for our families. Thus, we are more vulnerable to a range of health conditions, including mental illnesses. Also, our busy work schedules, the current pollution problem, and our inappropriate eating habits have further heightened the risk for us to develop an illness.
  • Pre And Post Hospital Expenditures. People pay so much for outpatient appointments and procedures, which are similarly rising every year. People have realized that it is crucial to purchase insurance plans because these plans do not only include admission and other hospital costs but also expenses incurred when their family members have bills at the outpatient department, which include diagnostic and laboratory examinations.
  • Supplementary Coverage. When you purchase health insurance, you are also entitled to vaccination and checkup costs, outpatient surgeries and procedures, and even ambulance privileges. These added benefits make medical emergencies relatively convenient compared to those who have no insurance plans.

When Can I Buy A Health Insurance?

This is a common question for most of us – when is the right age to buy an insurance plan? But the most straightforward answer would be that there is no right age to purchase one. However, if one decides to get insurance for himself early on, he will be paying less for it. This is because health insurance policies become more expensive as he increases in age, as his risk for developing a medical condition or getting injured is heightened. Thus, it is suggested that one gets a plan at an early age. He’ll be paying less and getting the same amount of premium.

Source: picserver.org

Vital Coverage Considerations

One of the recommendations from reputable insurance companies is to purchase a critical illness insurance plan. This type of plan offers a fixed payment for every circumstance that you diagnosed with a life-threatening condition that is included in the policy. You can choose to get critical illness coverage alone, or better yet you can get it as a rider when you get a regular health insurance plan.

 

 




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