Health Plan USAby delmeyer on 01/26/2021 11:30 PM
Quarterly Review – January 2021
- Feature Article: A Basic Low Cost Recommended HealthCare Plan
Only Hospital care, Surgical care, Trauma and Emergency care require major medical insurance.
Pay cash for your basic outpatient health care and save three-fourths of the cost of insurance.
Pay cash for all office care up to your deductible with insurance only for hospital, emergency, surgery care will save you more than 50-75% of your health care costs. These charges are in range of our usual household charges for utilities, house and car maintenance. Insurance just increases the cost of any maintenance. This is the same for car and household insurance. The usual cost of outpatient care for each decade of life will approach the following:
Ages 20-29 This should cost approximately $200 per year—or $2,000 for this decade of life.
Health insurance may cost $200 each month—or $24,000 for this decade of life.
Your twenties is usually a pretty healthy decade for the average adult male. You should be getting an annual physical exam from your primary care physician, including checks on your blood pressure and height/weight.
Screenings for testicular cancer, diabetes, thyroid disease, liver problems, and anemia are also considerations you doctor might consider depending on your health. A check for cholesterol can be done, otherwise once every five years is sufficient.
Ages 30-39 This should cost approximately $300 per year—or $3,000 total for this decade of life.
Health insurance may cost $300 for each month—or $36,000 for the decade.
Your thirties are similar to your twenties. Many of the recommended checkups are the same as your twenties. Annual checkups with blood pressure and height/weight checks are necessary. Testicular cancer screenings and blood tests for diabetes, thyroid disease, liver problems, and anemia are also done.
Age 40-49 This should cost approximately $400 per year—ot $4,000 for this decade of life.
Health insurance may cost $400 per month—or $48,000 for this decade of life.
As you reach middle age, your body is going to need a few more tests and procedures than in your twenties and thirties. You still need your basic checkups (physical, testicular cancer, etc) and cholesterol to be checked every five years. But now you have to get screened for prostate cancer. Your screening for diabetes is done every three years, once you’ve hit the age of 45. A vision exam might be needed as you age. If you have a family history of heart disease, or are at high risk for heart disease, then your doctor will conduct a screening for coronary heart disease.
Ages 50-59 This should cost approximately $500 per year–$5,000 for this decade of life.
Health insurance may cost $500 per month—or $60,000 for this decade of life.
After your forties is when you’ll start to see a significant jump in the number of checkups you’ll need, in additional to your annual checkups.
You’ll start to get annual screenings for Type II diabetes, along with an annual electrocardiogram. Screening for lipid disorders will be done as well as screenings for prostate cancer. You’ll also undergo a screening for colon cancer, either by fecal occult blood testing, sigmoidoscopy, or colonoscopy. Screening for depression is also done after fifty.
Ages 60-69 This should cost approximately $600 per year–$6,000 for this decade of life.
Health insurance may cost $600 per month—or $72,000 for this decade.
In your sixties, your body really starts to slow down. It’s important keep on top of your health. In addition to all the screenings you had done in your fifties, you’ll need to keep an eye out for more health risks.
Your doctor will want to do screenings for osteoporosis and might consider screenings for abdominal aortic aneurysm, and carotid artery ultrasound. Skin cancer, oral cancer, lung cancer, might be considerations based on your health history.
Your doctor will want to continue colorectal screenings based on previous results. Depression should also be monitored with dementia and Alzheimer’s disease.
Aging is something everyone has to go through. There is no fountain of youth. It’s a part of life. As you age, it’s important to keep tabs on your health. The need to see a doctor in your twenties isn’t as pressing as it is in your fifties, sixties, and seventies. But that doesn’t mean you shouldn’t go. Determine if you’re seeing the doctor often enough or getting checked up on the correct things with this quick guide.
Ages 70-79 This should cost approximately $700 per year–$7,000 for this decade of life.
Health insurance may cost $700 per month–or $84,000 for this decade of life.
We are healthier in our 70s and living longer with life expectancy into the 80s. We have less medical costs in our 70s than we had in our 60s when Medicare was started. Medicare is scheduled to go bankrupt in the next decade. Hence, our extrapolation into the 70s and 80s is to show us that health care costs will be surmountable even after Medicare goes bankrupt and we resume with our usual health insurance prior to Medicare. The only thing that can save Medicare is to increase the age of benefit from 65 to 72 years. And to increase the age for early benefits from age 62 to age 65.
The above is for basic outpatient health care. Hospitalizations, Trauma/Emergency and Surgical care requires major health insurance coverage which will be less expensive than current insurance.
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