It pays to take advantage of any preventive benefits that come with your insurance policy. But you may not know that some plans also offer wellness options that may help pay for exercise and weight-loss programs. If you have health insurance you probably know that in most cases preventive medical checkups such as yearly physicals and OB/GYN visits are covered. The benefits cover everyone, from the super-fit to those with chronic medical conditions.
While experts debate whether preventive measures lower health care costs on a national level, there's plenty of evidence that prevention is beneficial when it comes to your individual health and your wallet. Of the 10 most common causes of death, including heart disease and cancer, half are related to lifestyle choices. More insurance companies and employers have begun offering wellness programs to take advantage of any potential savings and to ensure a healthy staff. Some employers have partnered with fitness organizations to offer discounted memberships or services.
Currently, many wellness programs cover gym memberships, acupuncture, weight-loss clinics, weight-loss surgery, massage therapy, and smoking cessation programs. However, not many policies cover weight-loss programs like Jenny Craig or Weight Watchers, but look for that to change in the future.
Keeping your weight down, quitting smoking, staying fit and reducing stress are some of the best ways to prevent illness and prolong life. They could also reduce the amount of money you have to spend on hospitalization, drugs, and other therapies in the long run. To find out what wellness benefits you may have, contact your insurance company or your employer.
by Gregory Wright
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