092 - Demystifying Health Coverage: What Your Monthly Insurance Premium Actually Buys You

We’re continuing our conversation about insurance coverage today, specifically how it impacts your access to wellness procedures and therapies. All insurance companies are positioned in a particularly advantageous position. People tend to have unrealistic expectations about what they’re being offered, and this usually comes to light when they get denied.

Oftentimes, insurance is a lose-win situation, and only becomes a win-win for you when something unfortunate happens and you need high-cost medical care. Each medical insurance company has their own version of a formulary, which is an approved list of cheapest medications they are willing to pay for—only with proven medical necessity.

Our bodies are complex machines, and issues can arise even when you’re seemingly in good health. Doing what it takes to maintain your health can give you the additional support you might need and wish you’d had when illness strikes. If you value your health, you must pay attention to what you eat, how you exercise, and the nutrients you provide yourself with.

Many men and women fail to value their health and demand other people—like their doctors or their insurance company—to carry the responsibility for it. But in reality, we should call health insurance “medical insurance,” because that’s what it actually is. Your insurance is designed to help you get back to baseline, but not to restore optimal health.

Remember when visiting your doctor that they do not know the specifics of your insurance plan. It is your responsibility to understand your insurance plan and what is actually covered. No matter your budget looks like, your medical professionals should be able to provide some options to help you move forward.

 

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