I’ll keep it short. I’m a healthy and active 31 year old. Last year I began competing in triathlon. I’ve noticed some heart-related concerns since becoming highly active including palpitations and arrhythmia. This is especially dubious due to my family’s history of several rare heart conditions. I’d also like to see an orthopedist or podiatrist for recurring foot pains.
I’ve never been insured as an adult and the cost is way higher than I ever expected. I don’t foresee any momentous (costly) events in my future. I’d only like to get referrals and speak with the aforementioned specialists to gain some peace of mind, diagnostic understanding, and guidance on how to safely continue practicing my sport.
Would the expected costs of such specialist visits and/or physician visits for referrals justify taking on a monthly premium of ~$200/mo with ~8000 deductible, or should I pay out of pocket and continue to save money for unforeseen accidents/expenses? Further, if conditions were discovered by those specialists would that preclude me from coverage in the future? I’m new to most of this and I’m trying to keep my chin up because the whole thing looks like a nest of snakes now I’ve started poking around.
Bonus points for alternative healthcare planning, tips, advice. Thanks!
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