How do you live longer? How do you stay healthy and well? In the most recent 2019 data, the leading causes of death for adults in America are heart disease and cancer followed closely by unintentional accidents. With the exception of the occasional rebelliousness, we use our seat belts and wear motorcycle helmets.
We drive the speed limit and follow traffic laws. We don’t use our Hibachi grills inside our homes. We, generally speaking, learn to be cautious and limit risky behaviors. We don’t want to end up on the evening news or YouTube because of our foolishness.
The same attitude toward applies to our health and wellness.
We can wait for the horrid toothache and them have to either have the tooth extracted or pay the cost of a root canal and crown. Those are bad choices: loose your teeth or your wallet. But, teeth are preserved with good dental care: daily brushing, flossing and seeing your dental hygienist twice a year.
We can wait for the car’s engine to seize up because we never changed the oil or filters and then we are paying a mechanic to fix an easily avoided but now very expensive problem.
We can leave the pine needles across our roofs, filling our rain gutters to await fire season; our houses igniting like Roman candles. Or we can clear away the debris and protect our homes. Certainly, it is a chore but an ounce of prevention is worth a ton of repairs.
All major insurance companies cover preventative care. There is no co-pay, it’s free. They want the people they cover to stay healthy and well. That is how insurance works: you pay a premium and they are betting that you will stay well. They *win* if they collect a monthly premium and never have to pay a claim. It is very elegant gambling. And, let’s be logical….why would we bet against that? There is no *winning* in being sick.
Even Medicare covers an Annual Wellness Exam. And it is *free*. The federal government is a stickler about that annual exam cannot include *any* disease management, so it cannot be combined with refilling medications. But the annual wellness exam absolutely gives each patient time to talk with their doctor and assess their risk, confirm all their immunizations are up-to-date, determine which cancers are risks to get the screening tests for early detection. There is a multitude of resources to help you understand: like here.