Being in good health is what we all wish for
However, at times we fall sick and we need to get treated. This brings us to the question how much is health care per month? This question can be answered but depends on the various factors that can be considered in order to come up with an estimate of this cost. Some of the factors to consider are :
Presence of chronic illnesses
Chronic illnesses require one to be on medication for a long period of time. Illnesses like diabetes, for instance, require one to have a constant supply of insulin. Other diseases also need medication so that they are kept in check. This, in turn, increases the cost of health care per month.
The kind of doctor to be seen
In case of an illness, one may be required to see either a general practitioner or a specialized doctor like a neurologist or a gynecologist. The cost involved to consult either of the doctors is different. Seeing a general practitioner is cheaper and will reduce the cost per month. On the other hand, seeing a specialist will force one to dig deeper into their pockets.
Upcoming surgeries or procedures
If one will have such procedures done in the near future it means their monthly health care costs will increase to cater for that.
Despite these factors, there are also ways of reducing the cost of healthcare.
A doctor may prescribe drugs but one can go for the generic drugs. This is because they tend to be cheaper than the other drugs hence reduce one’s cost.
This helps one eliminate the lifestyle related illnesses. Exercise is a good way to stay in shape by burning the excess fats in the body. It also helps get rid of cardiovascular illnesses. This coupled with healthy eating will eventually promote good overall health.
To be on the safe side it is essential to have a health insurance cover. Caution should be taken in order to take up a cover that is both pocket-friendly and covers a bigger risk. One should go for a cover plan that includes their family members too. Do not go for a cover with a low deductible which may not favor you in case a huge payout is involved. Such a cover may cause you to pay a bigger co-pay and it will beat the purpose of the insurance.
The above factors will help one determine how much is health care per month and also how to reduce the cost.