Health insurance has been a hot topic especially with the changes that have taken place lately. Most people are talking about their price changes and whether or not it benefits them or busts their budget. We will not tackle the financial discussion here today, but we will be asking some important questions that maybe you have never thought of before. I hope these are eye opening questions that allow you to look at your health insurance in a completely different light.
Part 1 of this 3 part series asks the question, “Does having health insurance get you healthy?”
There are 2 details that need to be known in order to answer this question correctly. One, are you a fairly healthy person already? Two, are you actually sick or have you just suffered a crisis situation?
If you are already a healthy person you have likely not used your health insurance in a very long time. You keep up on your health in a preventative manner, taking care of yourself by exercising, eating right, having a positive mental outlook, and likely receiving your regular Chiropractic adjustments. By taking care of yourself in this manner your health insurance is not necessary. I look at this in the same manner as having car insurance. You perform the maintenance like oil changes, A/C check, brake pad, and alignments to prevent anything catastrophic from happening to your car which is under your control. Your car insurance does not pay for you to keep your car running properly.
If you are someone who is sick and just suffered a life crisis situation you most likely have used your health insurance recently. Some examples I can think of are breaking a bone, having a heart attack, or a brain injury. This is when health insurance is great to have because medical intervention is necessary and useful. I look at this in the same way as getting into a car accident. Maybe part of the car was smashed and brake lines or electrical components were damaged. Your car insurance will take care of that for you, as that is what it is there for.
Does having health insurance get you healthy? If you are already quite healthy, health insurance does not allow you to become healthier. With that being said having health insurance during a crisis situation is a positive. It covers the immediate expenses necessary so you can get back to the point of taking care of yourself in a preventative manner, but nothing beyond that point. Should health insurance be re-named? Should it go by another term? Crisis insurance maybe?
