Working out makes you feel great.  Exercise is good for you. Helps to keep you out of the doctors office and cuts down on the Medical Insurance claims. Over exercising is not good for you.  Stuff starts to break down.  Sports related injuries, depending on what they are, can follow you for life.  A torn rotator cuff will be with you forever.  And, unless you plan on being a professional baseball player surgery is usually not recommended.  Besides, surgery is painful, physical therapy hurts, and don’t forget that it can be expensive.

Let’s say your Medical Insurance plan has a $3500 deductible.  The co-insurance on your Medical Insurance plan is 80/20 with a stop loss of $3000.  You tear your ACL running and have no choice but to have surgery to repair it. The bills all start to come in and you have racked up a grand total of $40,000 between the hospital stay, the surgery, the doctors and physical therapy.  Yes, your Medical Insurance will pay the bulk of the charges but you still will owe $6500.

Let’s look at it another way.  You have no Medical Insurance.  You are tired and sore from training to run in the local marathon.  You think maybe you should skip your 10 mile training run that day but you don’t.  You tear the ACL  and basically have to get it fixed or you not only can’t run, you can’t walk too good.  You get the surgery and make arrangements to pay off the $40,000.  Probably for ten years or more.  You think it might be a good idea to look into getting some Health Insurance Quotes.  The Medical Insurance broker asks if you have had any surgeries.  Guess what?  If you are not completely recovered from the surgery, you aren’t getting Medical Insurance.  If you are recovered you can probably get individual Medical Insurance, but most likely the Medical Insurance carrier will rider your ACL.  That means that any further ACL injuries, with or without Medical Insurance will be paid solely by you.

The web site education.com has a handy, dandy little check list to see if you are exercising too much.

  • won’t skip a workout, even if tired, sick, or injured
  • doesn’t enjoy exercise sessions, but feels obligated to do them
  • seem anxious or guilty when missing even one workout
  • does miss one workout and exercises twice as long the next time
  • is constantly preoccupied with his or her weight and exercise routine
  • doesn’t like to sit still or relax because of worry that not enough calories are being burnt
  • has lost a significant amount of weight
  • exercises more after eating more
  • skips seeing friends, gives up activities, and abandons responsibilities to make more time for exercise
  • seems to base self-worth on the number of workouts completed and the effort put into training
  • is never satisfied with his or her own physical achievements.

Medical Insurance

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