Is Health Insurance Still Worth It?

by | Jan 20, 2022 | Functional Medicine | 0 comments

In the new year, we all reflect on the state of our health. We have goals that are often, well, a little ambitious. Whether this year’s goals consist of finding the love of your life, finally reaching the level 20 required for epic gear in your favorite MMORPG, or even just losing that little bit of holiday weight, it’s tough to resist the motivational power of a fresh start.

This year, it’s time to pursue a healthier path in more ways than one. Of course, we all know that preventative measures like eating right and exercising are key components of leading a healthy life (they’re also often a pain in the butt), but did you know that they can also dramatically reduce your healthcare costs? Thanks to the vast amount of information available to us today, we are now better equipped to take control of our own health.

With rising insurance premiums, one question you are probably asking yourself this year: is my health insurance worth it? Handling a health insurance plan can be a headache with complicated forms and expensive premiums. Could there be another way?

If you are confused about taking control of your health, then it is time to consider a new approach. Asking for advice and support from a functional medicine doctor could mean that you finally have a health plan that fits you. So in 2022, start finally ticking off some of your health resolutions with functional medicine.


A System Under Pressure

Is Health Insurance Still Worth It? Innate Healthcare Institute

Over the past two years, health care providers across the country have been under the microscope. In many ways, they were not fit for purpose. Hospital resources are stretched, and if you require acute care services, you might find that your care is rushed and inadequate.

Although we, of course, applaud the efforts of hospitals and their staff as they have fought against the problems of the pandemic, for non-covid patients, it has been a frustrating and alienating time. The burden of chronic conditions continues to increase, while new advances in medicine are slow to filter down. As a result, some would argue that the money is not being spent where it should be, on preventing illness rather than dealing with its consequences.

That’s why, in the spirit of healthy living, we encourage you to invest in your health this year – both financially, and by taking preventative measures to improve your quality of life. As we witness an increasing vulnerability of people who suffer from generally poor health, it might be time to consider a new approach to healthcare.


Rising Premiums

The average health insurance cost is rising, and many feel it is not good value for money. Research shows that over the last decade, family health insurance premiums have increased by nearly 50%. This increase is more significant than the uptick in wages and inflation rate, as measured over the same time period.

Generally, insurance plans do not cover the total cost of care, and those with insurance have to pay exorbitant out-of-pocket fees. A patient can end up paying thousands of dollars before they hit their ‘limit,’ after that point, the insurance company starts to cover medical expenses. However, the limit could potentially be as high as 4,000 dollars.

Suffering from a health issue, or seeing a loved one suffer, is frightening enough without the severe financial consequences that may follow. The cost of care could see your personal living circumstances significantly deteriorate, likely worsening any health problems. The best way to manage your health, especially now, is to have a plan that prevents serious illness from occurring and means you aren’t burdened with expensive bills.


The Functional Medicine Route

Is Health Insurance Still Worth It? Innate Healthcare Institute

At Innate, we thrive in comprehensive care. Not only your doctor, but a health team will be monitoring your health issues and coming up with a detailed plan to combat them. Before the pandemic, 2018, a survey showed how little time doctors spend one on one with their patients, allowing only a tiny window for the doctor to understand and diagnose the issues in front of them. The survey revealed that only 11% of US primary care doctors spent more than 25 minutes on each appointment. The majority spent an average of only 17 minutes with their patient.

This is not enough time for doctors to properly help you with your complex health issues. It’s not even enough time to collate all your complex medical information! However, we do not believe that the answer to this is to cut doctors out of healthcare provision.

We believe in the power of preventative medicine and an integrated approach. This means that your doctor will be working as part of a team with other healthcare professionals such as nutritionists, therapists, and naturopaths to develop a unique approach, tailored to your needs.


Final Thoughts

Still skeptical about embracing a new health plan? Listen to the testimonies of our current patients. Our treatment has changed the lives of many people with different health issues. Managing their health with Innate’s help has led to them avoiding invasive procedures and has given them the chance to take on new challenges in life.

Contact us today to receive your free thorough consultation!


Is Health Insurance Still Worth It? Innate Healthcare Institute

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