Having a stroke is a severe life event that often impedes mobility in seniors. It is the third leading cause of death in women and the fifth in men. Preparing for these worst-case scenarios is a step that can ease the burden on loved ones while you receive the care you need.
What Is Stroke Coverage?
Stroke coverage operates much like heart attack coverage and is sometimes combined in one package. Most plans offer a lump sum payment that gives a cash benefit when the insured has a medical diagnosis of a stroke. The money can be used at the beneficiary’s discretion to help cover expenses like health insurance payments, rehabilitation, prescriptions, and lost wages during recovery.
What Does It Cover?
The expenses of a stroke include deductibles, coinsurance, and copays to your health insurance and the hospital. Prescription drugs, extended hospital stays, and rehabilitation are also in the picture, depending on the severity of the stroke. Working with a speech or physical therapist may help you to recover full function. Other expenses include transportation to and from the healthcare facility as well as household expenses.
Who Needs Stroke Coverage?
Several risk factors may lead to a stroke. These include high blood pressure, obesity, high cholesterol levels, narrowed arteries, diabetes, arrhythmia, and a previous stroke or family history of strokes. A lack of exercise, poor diet, smoking, and drinking more than two alcoholic beverages per day may contribute to enhanced risk. High blood pressure is the leading risk factor for strokes because it leads to plaque formation, restricting blood flow. Smoking is the leading preventable risk factor because it decreases oxygen in the blood, weakens blood vessel walls, and can decrease good cholesterol.
Contact Our Experts At Generations Insurance
While it may be unsettling to think of the possibility of a stroke, we hope to give you peace of mind that your finances will be covered in the event one occurs. Contact the experts at Generations Insurance for help with all your coverage needs.