Most people think staying healthy comes down to diet and exercise.
Eat better.
Move more.
Maybe lose a few pounds before a big event.
But there’s another part of staying healthy that many people overlook.
And skipping it could mean missing health problems when they’re easiest to treat.
It’s routine health exams.
Ironically, the most important health appointments often happen when nothing feels wrong.
What Are Routine Exams
Routine health exams include physical, vision, and dental checkups.
These visits aren’t just routine formalities. They are crucial to preventive healthcare.
They help identify potential health issues before they become serious problems.
Why Insurance Companies Encourage Exams
Early detection can significantly improve treatment outcomes and overall health.
For that reason, many insurance companies encourage and cover routine exams.
They understand that catching problems early is far less expensive than treating advanced illnesses later.
End-of-Year Scheduling Problem
Despite their importance, many people delay scheduling routine exams.
A common pattern is waiting until the end of the year.
At that point, people suddenly remember they still have money in their Flexible Spending Account (FSA) that will expire if unused.
Unfortunately, this time-crunch can create a new problem.
When everyone tries to schedule appointments at the same time, it can be difficult to find an available slot—especially if you live in a densely populated city.
We Prioritize Our Kids’ Health First
Interestingly, most parents are very diligent about scheduling regular exams for their children.
Why? Because schools require it.
But adults often neglect their own appointments because they feel too busy or assume nothing is wrong.
The reality is that preventive care works best when you don’t feel sick.
A Simple Perspective on Health
There’s an important idea worth remembering:
When you’re healthy, you can focus on many things in life.
When you’re unhealthy, there is only one focus – getting better.
Illness can put everything else on hold—work, family responsibilities, travel, and daily routines.
So ask yourself an honest question:
Can you afford to be sidelined for an extended period if your health suddenly fails?
Be Proactive About Your Health
Instead of waiting for a problem to surface, take a proactive approach.
Schedule your regular:
- Annual physical exam
- Vision checkup
- Dental exam
These simple appointments take time but can make a significant difference in protecting your long-term health.
Your future self will thank you.
Stay PEF (positive, enthusiastic, and focused), and make 2026 your best year ever!
(Update to original post from July 7, 2023)
ABOUT THE AUTHOR:
Niv Persaud, CFP®, CDFA®, RICP®, is a Managing Director at Transition Planning & Guidance, LLC. Life is more than money. It’s about living the lifestyle you want and can afford. For that reason, Niv consults with clients on money, life, and work. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter, and financial advisor. Her services include developing comprehensive financial plans, divorce financial reviews, and retirement plans. Niv actively gives back to her community through her volunteer efforts. She believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often — even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me.’”