We buy Medical Insurance to protect us from the unexpected. The United States Federal Government established a senior health plan in 1965 also known as Medicare Advantage & Medicare Supplemental Insurance for folks over the age of 65. Its purpose is to make sure that as people get older and have smaller incomes due to retirement they will have access to affordable health plans. We faithfully pay our Health Insurance Quotes so that if something very expensive and unforeseen happens to us in the future we won’t face financial ruin. Health premiums are not priced according to your family medical history. Life insurance is. Lots of diseases, such as arthritis, are genetic.
So, just as you may get your grandma’s nose, you may also get her arthritis. I have heard lots of people say to me, “I really need to get medical insurance because cancer runs in my family”. Many families have a written history of their relatives. What their names were, where and when they were born, when they died, who they married, etc. It’s called a Family Tree. Some health experts think we should also keep a family record of illnesses and diseases. The National Institutes Of Health (which is part of the Department of Health and Human Services, or HHS) call it a family health history. They have some very sound reasons why you should have a family health history and how to create one.
“A family health history is a written record of a family’s health. The history contains information about a family’s medical conditions, lifestyle habit s (for example, whether anyone in the family has smoked), and where and how family members grew up. It’s like a family tree for health. You can use a family health history to see if you, your children or grandchildren might face an increased risk of developing serious health problems. These health problems might be common ones, such as heart disease, cancer or diabetes. They could also be less common diseases that are passed from one generation to the next, such as hemophilia or sickle cell anemia.”
I know for myself, every time I hear of someone giving birth to twins my first question always is “who in your family has twins?” If you wanted to create a family health history how would you begin? The NIH has some very helpful advice for doing just that. “The first step in creating a family health history is to talk to your blood relatives. The most helpful information comes from ‘first-degree’ relatives– parents, brothers and sisters, and children. Information from ‘second-degree relatives — nieces, nephews, half-brothers, half-sisters, grandparents, aunts, and uncles — as well as less close blood relatives can also be used.”
Interested in creating a family health history? Please click on the link above for more information. Be sure to check out “Family History and Disease Risk”. If you see a disease there that runs in your family and you do not have medical insurance, Insurance Medics would be happy to help you purchase some quality, affordable health plans.