Winter is a magical time of year. However, it's notorious for an increase in illnesses due to colder temperatures and more time spent indoors. From the common cold to icy roads, winter may not turn out as expected. Having adequate health coverage provides a safety net against seasonal illnesses and accidents. This blog discusses the various reasons why having health insurance is crucial in the winter and the benefits of adding TRICARE Supplemental Insurance.
Seasonal Health Risks
Research shows that cold weather affects our immune systems, making us more susceptible to colds, flu, and other respiratory illnesses. These illnesses can be particularly severe for those with compromised immune systems. Without proper health insurance, the cost of treating the above illnesses can add up – from doctor visits to prescriptions.
Preventive Care & Vaccinations
Preventive care is important to maintaining good health, especially during the winter. Health insurance provides access to flu shots and other preventive services that can help prevent winter illnesses.
Flu shots are essential during this time as they help protect against the flu virus and reduce the severity of symptoms. Many health insurance plans cover the cost of flu shots, and some providers even offer them free of charge.
Winter Accidents & Emergencies
The winter season also brings an increased risk of accidents and emergencies with icy roads and slippery sidewalks. In fact, ERs see a spike during the colder months due to injuries and flu season.
Having health insurance is important in managing the aftermath of a winter accident. Whether it’s a sprained ankle or something more serious, having the right coverage ensures you receive appropriate care. This could include an ER visit, x-rays, or physical therapy which could rack up medical costs.
Additionally, many insurance plans offer telehealth services, so you can receive medical advice from the comfort of your home. This is especially important during winter storms when travel is difficult.
Keeping Chronic Conditions Under Control
For individuals with chronic health conditions, winter can present additional challenges. That’s because cold weather can worsen symptoms of conditions like asthma, arthritis, and cardiovascular disease. Managing these conditions requires regular doctor visits, access to necessary medications, and ongoing overall health monitoring. This level of care is essential and requires adequate health insurance.
Prioritizing Mental Health During Winter
The winter season can also impact mental health, with shorter days and reduced sunlight contributing to seasonal affective disorder (SAD). During this time, it’s important to understand the mental health challenges that may arise and get the support you need.
Health insurance often covers mental health services and provides access to therapists, counselors, and support groups. These resources are key to maintaining mental well-being throughout the season, and having health insurance makes accessing them easier.
TRICARE Supplemental Insurance: A Helpful Addition
In the winter, medical needs may increase, and having TRICARE Supplemental Insurance can provide extra security. For those eligible, TRICARE Supplemental Insurance is a helpful addition that bridges gaps in your current TRICARE coverage. It can help cover out-of-pocket expenses, such as co-pays, deductibles, prescriptions, and doctor visits, making healthcare more affordable.
Let GEA Step In
From common winter illnesses to unexpected accidents, having health coverage provides the protection you and your family deserve. However, if your current TRICARE plan doesn’t cover it all, let GEA’s TRICARE Supplemental Insurance step in. Visit our website or contact us to learn more.
