Even with all of the changes happening with healthcare plans, many people are still coping without not having medical insurance. With the new healthcare reform, it is important to look into all of your options because it is becoming more affordable and available with more options than ever before.
Living without health insurance means that you have to look after your body even more than usual. Choosing a healthier lifestyle is a necessity. If you do not have health insurance, it is extremely wise for you to try to live a healthier lifestyle and try to apply for auto and travel insurance should any accidents result in any events from car or adventure sports accidents. Medical costs are extremely pricey and with no coverage whatsoever you will be paying through the pocket if you do not have the right insurance.
Regardless of medical coverage, a healthy lifestyle is important for everyone. One of the things that people can do is to monitor what they eat. For those who cannot afford health insurance this is even tougher because fast food might be the cheapest option, but it is also the unhealthiest type of food to eat. Limiting foods with trans fats is important as is including vegetables and fruits into your daily diet. Overeating can lead to a multitude of health problems including diabetes and heart disease and if you do not have health insurance you will be paying for these medical costs from your pocket.
Living a healthier lifestyle also means looking at other things other than food that can affect your body. Smoking and drinking alcohol are things that should be avoided because they do not help your health and without health, you should limit any risks that can harm your health.
Not only is maintaining a healthy diet important for those who do not have health insurance but an equal part of living a healthy lifestyle is to exercise or take part in some physical activity. The Center for Disease Control (CDC) recommends that adults spend at least 30 minutes a day doing some form of physical activity. Choosing a healthier lifestyle can prevent future illnesses and ailments over time.
ObamaCare: What will medical insurance look like in 2014?
Many Americans are able to receive health insurance through their employer’s plan or through the government with Medicare or Medicaid. However, about 15% of people remain uninsured and they can apply for the ObamaCare open enrollment in the marketplace until March 31, 2014. The new health care plan has caused quite a stir amongst politicians and health insurance companies, but the different available plans are meant to cover essential healthcare benefits people need such as health for women, better overall coverage and promising families that children can stay under their parent’s plan until they are 26 years old. The new law provides for better preventative care, insurance companies can not deny you for having a pre-existing condition, and there are no longer any life-time limits on the care you can receive.
Use the resources you have
Another option for the uninsured is to utilize the resources that you have at your fingertips. There are free or reduced priced clinics in most towns and using these services can keep you relatively healthy until you can get health insurance. Urgent Care facilities can treat diseases and conditions that are not life threatening or are not at the life threatening stage such as bronchitis and pneumonia; this will save on the potential costs of going to an emergency room. Planned Parenthood is a quality organization that can do yearly checkups for women including breast exams. Consult with friends and family to learn about organizations in your area that can do cost effective medical coverage (the internet can also be used for research).
Other insurance options to keep in mind: auto and travel
In order to take care of yourself, keep in mind of other insurance plans that cover different areas that healthcare insurance does not. Look into car insurance quotes that cover bodily injuries for third-party individuals in case of a car accident. If your individual state follows a tort system, medical payments coverage is available to pay for medical bills for both yourself and any passengers in your vehicle.
If you are planning a vacation and/or participating in adventure sports that include potential dangerous activities such as skydiving or bungee jumping, it’s not a bad idea to look into travel insurance either. Because health insurance does not cover auto or travel insurance, you leave yourself susceptible to injuries with very high medical bills.
Living without health insurance can be extremely difficult because sometimes accidents and illness are unavoidable. Living a healthier lifestyle both though diet and exercise changes, adding health coverage through auto or travel insurance and utilizing resources around you can help reduce the stress of living without health insurance until you are able to get the coverage you desire.