Travel insurance is a type of insurance that covers any unexpected events or emergencies that may occur during your trip. This can include things like trip cancellations or delays, lost or stolen luggage, medical emergencies, and more.
Before you purchase travel insurance, you need to understand what the policy covers exactly. Most travel insurance policies will cover trip cancellations or interruptions, lost or stolen luggage, medical emergencies, and emergency evacuations. Some policies may also provide coverage for activities like adventure sports or rental car damage.
When shopping for travel insurance, it’s a good idea to compare different policies from different companies to find the one that best fits your needs. Always read the fine print carefully to understand what your potential policy covers. And always purchase your insurance from a reputable company.
It’s also important to keep in mind that travel insurance is not a replacement for health insurance. If you already have health insurance, check with your provider to see what medical services they cover while you are traveling.
In general, this type of insurance can provide peace of mind and financial protection while you’re on the road. It’s always better to be safe than sorry, so consider purchasing a travel insurance policy before your next trip. Healthedly agents are ready to answer any of your questions about this kind of insurance, what your options are, and even a free quote to get started!
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-12-23 14:01:172022-12-20 14:12:41A Guide to Travel Insurance Warning: Undefined array key "file" in /nas/content/live/healthedly/wp-includes/media.php on line 1680
Everyone understands the importance of protecting both your physical and financial health. There’s no better feeling than waking up in the morning knowing that you’re healthy, confident, and secure. A sound peace of mind can definitely be attributed to expecting the unexpected and being prepared for all obstacles life throws at you. However, a major health issue such as heart attack, strokes, and heart attacks never come at a good time, often leaving a substantial financial burden long after recovery. Even with a personal health plan, out-of-pocket costs can start to add up.
Although less common amongst younger people, a dramatic health event can still take place. According to the American Stroke Association, the incidence of stroke among adults ages 49 and younger in the U.S. has continued to increase over the last 30 years.[1]
Planning ahead can remedy much of the financial burden a major health problem can put on you. A supplement health policy is one way you can alleviate some of that strain.
Cancer’s effect on bodies, minds, and finances:
1.9 Million new cases of cancer will be diagnosed in 2022[2]
40% of men in the U.S. are at risk of getting cancer[2]
One-third of women in the U.S. are at risk of getting cancer[2]
$174 Billion Total projected cost of cancer care in 2020 [3]
Not only can this insidious disease be incredibly detrimental to the patient’s physical health but also their financial health. Moreover, preventative screenings are one way to avoid costs building up, by catching risk factors early can save you money in the long run.
Cervical Cancer– recommend screening age starting at age 25
Breast Cancer– recommended screening age starting at age 45, starting at 40 optional
Colorectal Cancer– recommended screening age starting at 45
Lung Cancer– recommended screening age starting at 50
Prostate Cancer– talk to your doctor starting at 45
Cardiovascular disease is one of the main causes of heart attacks and strokes. Taking control of one’s own health includes getting the recommended screenings and taking steps to control your financial wellbeing.
Every 40 seconds someone in the U.S. suffers from a heart attack [5]
The #1 cause of death for all people in the U.S. is heart disease. [2]
~805,000 people in the U.S. each year have a heart attack [5]
Every 36 seconds someone in the U.S. dies of cardiovascular disease. [6]
There’s an increasing trend in the occurrence of strokes at younger ages, which is of great public health concern. Strokes in younger patients can lead to the potential for disability resulting in a greater lifetime burden for the patients and their loved ones.[7]
An example of one of those burdens are medical bills which can exceed the costs of any other monthly living expenses.
66.51% of bankruptcies are caused by medical issues [9]
2+ million people are adversely affected by medical issues [10]
~530,000 families go bankrupt due to medical debt [11]
If you are uninsured or looking for low cost options on individual or family insurance,Get a quote here!
For information about Cigna Flexible Choice Cancer and Heart Attack & Stroke policies,click here!
Sources Cited:
1)American Stroke Association Newsroom, February 3, 2022; https://newsroom.heart.org/news/u-s-stroke-rate-declining-in-adults-75-and-older-yet-rising-in-adults-49-and-younger
2)Cancer Facts & Figures 2022, American Cancer Society;
3) Projections of the Cost of Cancer Care in the United States: 2010–2020;www.nih.gov
4) American Cancer Society Screenings by Age, American Cancer Society; https://www.cancer.org/healthy/find-cancer-early/get-screened.html?gclid=EAIaIQobChMImJD3qsfD9wIV8hHnCh1rgQSAEAAYASAAEgKp0_D_BwE#age
5) Fryar CD, Chen T-C, Li X. Prevalence of uncontrolled risk factors for cardiovascular disease: United States, 1999–2010 pdf icon[PDF-494K]. NCHS data brief, no. 103. Hyattsville, MD: National Center for Health Statistics; 2012.
6) Centers for Disease Control and Prevention. Underlying Cause of Death, 1999–2018. CDC WONDER Online Database. Atlanta, GA: Centers for Disease Control and Prevention; 2018.
7) Yahya, Tamer, et al, Stroke in Young Adults – Current trends, opportunities for prevention and pathways forward, American Journal of Cardiology, June 2020; https://www.sciencedirect.com/science/article/pii/S2666667720300854
8) “Medical debt is the leading cause of bankruptcy, data shows: How to reduce your hospital bills”, Fox Business.com, October 25, 2021; https://www.foxbusiness.com/personal-finance/medical-debt-bankruptcy-hospital-bill-forgiveness.
9) David U. Himmelstein, et al. “Medical Bankruptcy in the United States 2007: Result of a National Study”, pubmed.gov; https://pubmed.ncbi.nlm.nih.gov/19501347/
10) “Medical Bills: The Leading Cause of Bankruptcy in the U.S., Apex EDI, May 25, 2018; https://apexedi.com/medical-bills-the-leading-cause-of-bankruptcy-in-the-united-states/.11) American Public Health Assoc study,”Medical Bankruptcy: Still Common Despite the Affordable Care Act”, aphapublications.org, March 2019.
https://healthedly.com/wp-content/uploads/2021/02/Healthedly-Blog.png9001366Adam Ratcliffehttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgAdam Ratcliffe2022-08-11 14:25:002023-01-04 15:08:19Protecting yourself from cancer, strokes, heart attacks and recovering both physically and financially
Studies show that immigration positively affects healthcare funding in the United States. We found numerous reasons why this is the case.
Contributions to the economy:
Immigrants contribute to the economy through their labor and spending power. This can help to generate revenue that can be used to fund healthcare.
Immigration lowers healthcare costs:
Immigrants, particularly those who are younger, may use healthcare services at a lower rate than native-born Americans. This greatly reduces overall healthcare costs.
Immigration increases cultural competency:
Immigrants bring diverse cultural perspectives and language skills to the healthcare system. This vastly improves the quality of care for patients from diverse backgrounds.
Workforce diversity:
Immigrants make up a significant proportion of the healthcare workforce, particularly in certain fields such as nursing. This can help to address shortages in the healthcare workforce and improve the availability of care.
Innovation and entrepreneurship:
Immigrants are more likely to start businesses and create new products and technologies. Thus, immigration drives innovation and growth in the healthcare industry.
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