You’re going to have increased medical needs as you get older. It’s unavoidable. Family and friends in the later years of life will experience the same phenomenon. In order to prepare for this, there are a number of ways to go about covering likely expenses which pertain to medicine.
If you’re younger, you can start now through your own lifestyle choices. Curtail unhealthy activities and eating habits, increase your exercise. To fully flourish as an individual requires properly feeding your body, and properly working out on a regular basis. The vast majority of health issues come from deficiencies in these areas.
A third component when it comes to health is “will”, or “attitude”. You’ve likely heard the phrase “will to live” before. Some people have it, some don’t. When you’re depressed, this is psychologically debilitating. But here’s the thing: the mind itself affects the body. If you’re depressed and over-eat, you double down on your unhealthiness.
The same is true if you’re depressed and psychologically medicate with varying substances, as most people in America do. Even if you don’t do anything directly unhealthy in your depression, you’re still likely to be less sedentary, and more withdrawn. You’ve heard the phrase “laughter is the best medicine”?
Well, there is definitely some truth to a heart that is happy being more healthy. If you’ve got a giving personality, a giving heart, you’ll be more involved with the community, have more positive social interactions, and as a collateral result be generally more healthy as the twilight years approach.
If you’re already in the twilight years, you can’t really go back and undue a life lived poorly. However you can structure your habits such that you’re able to diminish negative activities moving forward. Still, you’re likely going to encounter situations where you need medical attention, and so must rely on Medicare.
Unfortunately, there are often areas of coverage in Medicare which don’t fully pay for the involved costs. Usually it’s the little things that aren’t covered, and these add up quick. What many do is cover such gaps with an insurance plan designed just for such a situation.
If you’re unfamiliar with Medigap health insurance plans, they can be defined as a specific type of health insurance policy that pays some (or all) of the gaps in Medicare since it leaves big gaps in its coverage for one’s hospital and doctor bills.
What this basically means is that you’ve got more full protection. Combining Medicare and Medigap insurance coverage can defray thousands of dollars in expenses which may be beyond your ability to pay back as an elderly person. If you’re taking care of someone who is elderly, likewise you may not have the assets to cover such expenses without a Medigap solution.
Today’s healthcare system isn’t what it should be. Society drives people into unhealthy living through a variety of factors, then makes attaining solutions to their ills all but impossible. Even those who get the coverage they need are likely just treading water after the fact.
One thing is for sure: you must strategically plan for the fallout of age and lifestyle. There are those who never smoke their entire lives, and yet still come down with lung cancer—Andy Kaufman comes to mind. Then there are those who live it up like a hooligan and still live to be a hundred.
You can’t tell where you’re going to be, or what will assail the elders in your family. Do your homework. There are definitely solutions out there that can help defray unreasonable medical expenses; you just have to find them.