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Heart Attack and Stroke Insurance

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Heart disease is one of the most prevalent health concerns in the country. Although you can make lifestyle changes to decrease your risk of heart attack, such as increasing exercise and eating healthily, the expenses attached to a medical emergency can be less manageable.

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 Heart Attack And Stroke Coverage?

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In the event of a heart attack or stroke, your heart attack and stroke coverage will pay you a lump sum to help cover your medical expenses. The payment can be made out to the insured or a designated beneficiary. 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. Usually, this coverage will only payout for one diagnosis of a heart attack or stroke per each insured person.

What Costs Can This Cover?

Heart attacks and strokes can happen at any moment, leaving you with unexpected costs. Your other health insurance may not cover ambulance charges, diagnostic tests, hospital charges, or possible surgery. Heart attack coverage can help with hospitalization, heart transplant, surgery, nursing care, or other covered benefits.

After a heart attack follows a lifetime of maintenance and blood pressure medications, which include prescriptions, testing, and cardiologist appointments. Addressing the initial financial bills will put you in a better position to handle the ongoing care.

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.

What Are Risk Factors For A Heart Attack Or Stroke?

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Age is a risk factor for heart attacks, with men over 45 and women over 55 more likely to have one than younger people. Smoking, high blood pressure, high cholesterol, obesity, diabetes, metabolic syndrome, and a family history of heart attacks also increase your risk. A lack of physical activity, stress, a history of preeclampsia during pregnancy, and autoimmune conditions can heighten the risk.

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.

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