The latest alternative to traditional medical coverage, wellness insurance helps you get and stay healthy by preventing disease and its symptoms.
Covering all or a portion of certain health-related costs and programs, like vitamins, supplements, weight management, smoking cessation and other health-related issues, wellness coverage focuses on overall health maintenance and management, rather than treating problems once they occur.
The Benefits of Prevention
In essence, this type of health coverage pays you to stay healthy by practicing prevention, which leads to fewer health insurance claims and lower health insurance rates. And because the cost of health care continues to rise, preventing illness in the first place just makes sense.
If you’ve never looked into this particular type of coverage, or maybe are just learning about it now, read on to find out how you can get coverage, stay healthy, and lower your health insurance costs for good…simultaneously!
Finding the Coverage You Need
Though some health insurance companies now offer wellness coverage to help you avoid problems down the road, this type of insurance is still relatively new.
Ask your insurance company if it offers wellness insurance. If so, you’re on your way toward health maintenance coverage and lower annual premiums. If not, you can achieve the same objective by purchasing a High-Deductible Health Plan (HDHP) and combining it with a Wellness Savings Account (WSA) or Health Savings Account (HSA).