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What is the importance of medical insurance for couples?

Young couples often consider that medical insurance is something that can be purchased at a later stage. This is especially true if you have just got married or have started living together. The issue that arises is that since basic healthcare facilities are covered by the universal healthcare system and your healthcare card, you might not feel an urgent need to get medical insurance. Moreover, it is a common idea that medical insurance is purchased by middle-aged individuals and people who have already started a family. However, this can be mistaken as even young individuals, and couples might need additional medical help. If you are a newlywed couple, it can prove to be a good idea to purchase medical insurance or a healthcare plan that provides coverage of additional services that the universal healthcare system offered by the government will not cover.

Reasons to purchase medical insurance for couples

Some of the reasons why couples should purchase medical insurance are as follows:

1 Coverage of unpredicted medical emergencies

Although the universal healthcare system will cover basic healthcare requirements, it will not cover the extensive recovery process that medical emergencies often require. For example, if you are in an accident that requires extensive physical therapy to recover, it can result in extensive medical bills. This can result in a significant strain on your savings and on the savings of your partner. Medical emergencies come suddenly, and the patient often takes a long time to recover from them. Not just the physical therapy, your partner might require extensive counseling sessions to overcome the trauma of the accident. All of these can create a strain on your savings. But you can easily prevent it by purchasing a health insurance policy that covers such expenses. The objective of such policies is to ensure that it provides coverage of additional medical expenses that you would not expect. As a young couple, you might not expect such expenses, but it would help if you purchased such a policy in case of an emergency.

2 Expensive dental procedures

As a couple or even as an individual, you should always purchase a medical insurance policy that provides coverage of expensive dental procedures. If you have purchased a couples’ health insurance policy, ensure that it covers dental procedures. The insurance policies offered by our company cover even regular dental check-ups. If you want to include your spouse in the policy, you can easily do so, and it will also help reduce the premium payable on the policy. When it comes to dental procedures, you will find that it consists of numerous things like dental X-rays, orthodontic services, and diagnostic dental services. Some of the dental procedures are covered under some of the provincial dental plans offered by the government’s healthcare plan. However, it might not be the case in the province where you live. If you live in Red Deer, you will find that you will have to pay for your and your spouse’s dental procedures from your savings. Therefore, it is good to have medical insurance with us that covers dental procedures for both you and your spouse. All dental processes, right from routine check-ups to operations, are covered under a single healthcare plan.

3 Additional medical services

If you are thinking of making any significant lifestyle changes, it can strain your finances. For example, if you are thinking of quitting smoking, you will need to consult a doctor who will guide you through the process. This can lead to regular visits to the doctor that will not be covered in the government’s healthcare program. It is essential to ensure that you have your spouse’s support to help you overcome the problem, but at the same time, you also need to take care of your joint finances. Some of the cases in which medical insurance can protect you against additional medical expenses are as follows:

  • Say, for instance, you have moved into a new home. It would have already created a dent in your savings. Along with that, you need additional health expenses like regular visits to the chiropractor, or your wife needs regular health check-ups, which are not covered by the government healthcare plans. Such visits might become necessary as a part of an extended physical therapy program or better living program. It can create a strain on your finances, but you can protect yourself against it with medical insurance.
  • Many young couples who won’t start a family need to opt for expensive fertility programs, creating a dent in their savings. Fertility check-ups and programs can prove to quite expensive. Given all of these, you need to purchase a suitable healthcare plan that will help you get all of these facilities without reducing your savings significantly.

Young couples often feel that such healthcare plans are only for couples who have health or medical issues. But healthy couples can run into medical problems when trying to make lifestyle changes or when they think of starting a family. In such a scenario, you can opt to protect your savings by purchasing a good healthcare plan.

Selecting suitable health insurance is necessary even for young couples. Healthcare plans will provide you with coverage for expenses incurred on visiting physical therapy sessions, chiropractor visits, and even counseling sessions. As mentioned earlier, young couples who have joint finances make the mistake of thinking that the government’s healthcare plan will cover all medical expenses only to discover areas that are not covered by the general healthcare programs.

If you are a resident of Red Deer and think that you do not need a health insurance policy, then we suggest that you give us a call at Next Level Insurance, 587-905-0114. Our expert will help you understand the nuances of the best healthcare program for you. You can also check out our services by visiting our website: We assure you that our services will meet your expectations. If you have any queries regarding health insurance policies, give us a call right away.

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