We have to face facts: living an unhealthy lifestyle can cost us dearly. The price we pay in the loss of our way of life and our ability to interact with our loved ones is a cost that we cannot put a price on. On top of that, the financial costs are also overwhelming. Five expenses that go up with bad health are:
Health insurance
Getting affordable health insurance when you are in bad health is something that you will find very difficult. There are certainly insurance companies that will insursomeone if they have health issues; however, the price on those policies is expensive. The more severe an insurance company deems a health condition to be, the more money it will cost to cover the person who has the condition.
The insurance company is set up to think about the amount of risk they will incur when they issue a policy. Most health conditions require extensive medical intervention and the insurance company will pay out a large amount of money if they cover a person with these issues. The insurance company passes this cost on to the insured for these health insurance policies.
Life insurance
Health conditions that may not be apparent to the naked eye can appear when you take your medical exam to qualify for life insurance. If you have not been diligent in staying on top of your health and in becoming aware of certain health issues, this can be surprising. A failed medical exam can also mean that you will not obtain life insurance.
Clothing
One of the biggest health issues facing people today is being overweight. Not only is carrying more weight than is medically suggested dangerous for your heart and circulatory system, but it can also result in your having to purchase new clothes each time you outgrow your current ones. Typically, clothing that is larger costs more money.
Medication
Many health issues require that you take medicine on a regular basis to manage them. Although health insurance can help out with some of these costs, some medications are not completely covered by health insurance policies. Because these medications may be necessary to successfully navigate the illness, you would have to pay for the medications out of pocket.
Food
Several health conditions that result in bad health require a special diet different from what you may be accustomed to eating. These specialty diets can be expensive to maintain, but are necessary in managing health issues. These items can add hundreds of dollars to your grocery bill each month and will not be covered by health insurance plans. The best way to avoid an increase in expenses due to bad health is to live as healthy a lifestyle as you possibly can. Some health conditions are unavoidable, but many others can be avoided by eating healthy foods, not smoking, and making sure to get adequate exercise. Also, visit your doctor on a regular basis for check-ups so that any health issues that crop up can be managed from the onset.
