Hyde Insurance Group Blog
Recently, asthma and other respiratory problems spiked due to unhealthy lifestyle choices and environmental problems like pollution. If not attended to, asthma could lead to attention disturbance, exhaustion, and death in some critical situations.
Having chronic medical conditions such as asthma requires long-term medications and care. But the costs of constant medication or hospitalization can be hard to shoulder. That's why health coverages are a must-have, especially if you or anyone in your family has this condition.
However, health coverages vary depending on the plan, and having the wrong one is an expensive mistake. This article will provide you with some things you need to know about your health coverage and asthma policy inclusions.
What To Look For In An Asthma Policy
Normal health coverages must cover hospitalization costs despite the diseases, of which asthma is included. However, in some plans, you have to specify the inclusion of asthma, as it can be costly, especially if critical.
Moreover, adding a specific asthma policy to your current plans could help alleviate your cost. It is advisable, especially if you or your dependent have asthma or allergies. Your asthma policy should cover diagnostic tests like skin prick and allergy blood tests. It must also include long-term medications like inhalers, shots, and tablets.
If it's not part of your primary coverage, you must also include chest X-rays for pulmonary function tests.
Why Is Separate Asthma Policy Important?
As said earlier, a separate asthma policy is dedicated to frequent hospitalizations brought by asthma. This policy would leave your original health plan unaffected, hence more utilization when needed.
An asthma policy should also cover teleconsultations, medicines, and sometimes less waiting.
Other Asthma-Related Add Ons For Your Original Coverage
Besides the asthma policy, there are other add-ons that asthmatics can purchase alongside your original health coverage.
First is the room rent waiver, which must escalate your policy's sub-limit on room rent when confined due to asthma. Next is the AYUSH, which should cover treatments for asthma, such as Ayurveda, Yoga, Siddha, and Unani.
The last is the hospital cash provided by your insurer, which you can use for food, transportation, and companion expenses.
Asthma is a pre-existing concern rising due to the inevitable changes brought by human actions. Thus, it is necessary to equip your plan with additional policies covering such chronic diseases. Protect yourself and your loved ones who have asthma by lifting costs through a comprehensive medical plan for asthma.
At Hyde Insurance Group, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 345-1215. Get your free quote today by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.