The benefits of benefits

Most 20-somethings have a super hero syndrome. We think that we are untouchable — nothing can possibly happen to us. Ailments and disabilities are something that we will have to worry about 30-40 years from now. Why worry about getting the best insurance or add-ons our companies have to  offer?

While it is true most twenty-somethings will dodge major illness during this life period. Some will unexpectedly hear the news that we are not superman or woman.

We don’t really think about it because it isn’t really prevalent in our day-to-day life. Mostly, what we see on T.V. are happy, healthy millenials that don’t seem to be plagued with anything serious.

The truth is we are not invincible. We are susceptible to the same unfortunateness as those older than us. In light of this, what should we do to make sure we are protected?

Go to the HR department in your company and get your insurance stuff straightened out or look into some private companies and get some individual health insurance. Find any free clinics in your area that could help you with your dental ,mental, and physical health needs.

Don’t skimp on this and find yourself in this ( link embedded ) situation. The link goes to a story about a 24-year-old who dies from having a simple dental infection. He was unemployed and didn’t have employer backed insurance, although, there are still ways to ensure getting some type of healthcare in the form of government assistance.

For those who are employed and have group healthcare from your employer, make sure you sign up for  short-term and long-term disability. My company pays for long-term disability so I just have to get short-term disability. It only cost most people around 100 bucks a year and you usually get 60% of your income each week when you are unable to work. For those who don’t have 3-6 months of savings to buffer lost wages and those that do for that matter, this money could be used to cover some expenses to make sure you don’t go into the “red” with your finances and cause added stress and anxiety.

Be sure to sign up for coverage that doesn’t require referrals. When something really bad happens it’s nice to be able to go to any specialist you want that is covered by your insurance rather than only going to the specialist that your  Primary Care Physician refers you to. Also, getting referrals could take a long  time to obtain. Time that you may not have.Cut out the middle man and don’t sign up for HMO, but try to get something where you don’t have to get a referral from your PCP to go to a specialist. I have a form of HMO called open access that is cheaper than a PPO , and doesn’t require referrals to see a specialist from my PCP. These other plans may cost a little more, but if life to you isn’t worth more than a few extra bucks coming out of your paycheck each month then…

Just make sure you have optimum coverage. You’ll thank me later.

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