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Chronic ailments are sicknesses that have been endured by a person for a year or more. These diseases require a lot more medical attention and are usually caused by multiple factors. The Center for Disease Control and Prevention (CDC) stated that these are some of the risky behaviors that cause chronic ailments: excessive tobacco use and alcohol consumption, poor nutrition, and lack of physical activity.
The CDC listed heart disease, cancer, and diabetes as the leading chronic ailments in America. These types of conditions require a lot of money and patience. Sometimes the treatment has to be stopped because of insufficient funds, and such circumstances could be avoided with health insurance plans.
How To Get Health Insurance
If you have a chronic sickness, it will most likely be covered by an insurance plan. This is mandated by the Affordable Care Act (ACA) of 2010—which focuses on the treatment of chronic diseases. However, if your plan is older than the law, it will be less likely to cover your chronic condition. There are ways to cope with your chronic illness, but you will need something to fund it. These are some of the steps to take in applying for health insurance plans:
1. Assess your needs
With the help of a medical professional, you have to assess what medical treatments you will need. It will help you in picking which insurance plan suits your situation. After doing so, you will be recommended to visit a website that offers a plethora of plans.
2. Pick a plan
Treating your chronic illness will be costly, so you have to be critical about it. For instance, a health insurance plan should pay for at least some of these:
- Laboratory tests
- Visits to the physician
- Prescribed medications
- Hospital care
3. Apply for your chosen plan
Before enrolling, your chosen plan should give you a summary of benefits and coverage. It should pay for your self-management programs as well. A chronic illness has to be treated with a medical professional, but you have to adapt to your sickness and manage it all by yourself as well.
Chronic Obstructive Pulmonary Disease (COPD) is one of the major health problems most people encounter, and it is not something to belittle. To deal with the costs, you have to get life insurance with COPD to keep your condition stable. The plan should cover most of your expenses in battling the disease.
Plans Offered by Insurance Companies
1. Health Maintenance Organization Plans (HMOs)
It is the most common type of health insurance plan. This plan usually requires you to go straight to your physician for any medical attention.
2. Preferred Provider Organization Plans (PPOs)
Unlike HMOs, PPOs are a lot flexible as it offers you a network of care providers that you can choose from. You can also go to any physician without any referral.
3. Exclusive Provider Organization Plans (EPOs)
It is common to health care employees. It allows you only to get treated by medical professionals within a specific network.
Insurance plans are reminders that we have to get treated. However, some of them are so expensive that a low-income employee cannot even get sufficient medical attention in time. If we do want a healthy community, providing truly affordable healthcare is the main way to achieve it.