Two years ago, I got sent to the emergency room from what I thought was just stomachache. It turns out it was much more. I needed to undergo an endoscopy and was hospitalized for three days. I just thanked my lucky stars that our company provides health insurance and it covered most of the costs. However, the medicines I need to maintain afterwards were quite expensive and really set me back a bit financially.
Sadder still, my doctor said I might need a second endoscopy, but the insurance company refused to cover it. Good thing the medicines worked because I knew I would not be able to afford a second endoscopy easily at that time.
Fast forward to today, I underwent an endoscopy for the same symptoms again. I was more at peace this time because my employer upgraded to a better HMO. Sure enough, all the expenses were covered except for the medicines, of course. Expensive as they may be, I realized I should not be worried because it would help me get better. Also, this time, I managed to start saving a bit of an emergency fund for these types of situations.
Having a good HMO provider and saving for emergencies can really come in handy in times of need. It can also provide peace of mind that whatever happens, you got it covered. If your employer does not provide health insurance or if you are self-employed, make sure that your PhilHealth is updated, at the very least. It would also be wise to invest on your own health insurance.
On my part, a commitment to healthier lifestyle is also needed. Though I don’t smoke or drink and I don’t skip meals, I am kind of lazy when it comes to exercise. Never have found a sport to my liking. But there are a few suggestions, mostly from my family, like walking the dog, buying a treadmill, or walking home from the office. I’d surely give those a try. After all, the price of laziness can be more expensive.