The two most common account types are checking and savings. Go to your bank's webpage to see what benefits they offer for each account type. They probably offer more than one savings account and more than one checking account. Do you qualify for any discounts, perhaps the student account, or the senior's account? These often have comparable benefits to regular accounts but with lower prices.
The health maintenance organization is another type of prepaid plan. You have to pay premiums, but there is no deductible involved. You need to choose a general healthcare provider and use their services. Every time you visit your doctor you will have to pay a small set fee. You may also need to make a payment if you are admitted to a hospital. These plans are the most affordable ones. They are also reliable although they might not be as flexible as you want - you cannot go to a specialist unless you are redirected by your general practitioner.
Having said that, be sure that you are at least getting the "ice cream" that you're paying for. If you feel that your insurance claims decision is unfair, unfounded, biased, or otherwise inaccurate or incorrect, you should proceed further in the claims process.
Many caregivers who experience symptoms of caregiver syndrome don't seek help because they don't realize they have a recognizable condition, because they are accustomed to ignoring their own needs and focusing on their loved one's needs instead, or because they don't even realize they need assistance. Ideally, professionals working with people with chronic illnesses, disabilities, and dementia would take time to talk to caregivers as well as their clients. These professionals could help identify caregivers suffering from caregiver syndrome, educate caregivers about the condition, and direct them to sources of help.
The best part is that this can be done with a semi-automated system that can be repeated over and over again, producing the right prospects that are under the radar and have no financial adviser to fight with.
Having a health policy or two in place is an extremely wise decision for just about any grownup. You don't know what another day will bring and you may discover that you are going to have to go to hospital for a long time and you need to cover those costs somehow. Your company is most likely not going to be obliged to repay you after you have run out of sick leave as well as compensated leave and this can leave you with quite a bad situation. Rather be safe than sorry and make certain that the medical expenses are going to be dealt with for you.