Today we're concluding our conversation about being independently healthy. This time, we're focusing on preventative care and maintaining your health. Most patients believe their health insurance plan is there to keep them healthy, but this is not true. The medical insurance industry is designed only to cover catastrophically high expenses in serious health situations.

It's important to remember that your health insurance does not guarantee you access to a wide array of services with your medical care provider. If you want services outside of what's covered by your insurance, you may have to start budgeting and saving for those services. As you advance in age, this becomes even more important.

If you require pellet hormone therapy, IV vitamin therapy, hyperbaric oxygen, or vitamins on a regular basis, you'll need to consider these costs in advance. Access to weight loss support can also be expensive. Plan in advance for these times so that if anything happens to you or someone you love, you're prepared.

Some of the best doctors are going with a concierge service, and this is a good thing. It means they can take time to get to know you and truly care for your needs, while also taking your insurance as well. Doctors are not paid their true worth by medical insurance plans, which can also make a concierge fee necessary.

The support staff in your doctor's office need to be paid, and medical insurance doesn't cover that. There are so many things your insurance plan doesn't cover, and doctors are adding a fee to support the administrative work and staff to provide you with better experience in their care.

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