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by Tony Novak, CPA, MBA, MT, NAHU certified consumer driven health care consultant, originally published 8/28/2011, updated 10/27/2011
When considering the importance of medical insurance, we should consider the most frequently incurred medical conditions that are likely to trigger an insurance claim, the most expensive medical conditions that require managed care over the long run, and - because a substantial potion of our total lifetime medical expenses are incurred in our final year of life- even the leading causes of death. These lists are compiled from various sources including reports by the Mayo Clinic, the U.S. Center of Disease Control and Prevention and the Department of Health and Human Services.
This list of the top ten medical conditions or reasons that individuals seek medical treatment as reported by UnitedHealthcare group, the nation's largest health insurance company.
The rankings of top fatal medical conditions are slightly different. In the U.S., according to the Mayo clinic, the top 11 causes of death are:
Suicide is more common in men, ranking #8 leading cause of death for men but #13 for women. Because of the split ranking, we added it as #11 in this "top ten" list. Unfortunately the suicide rate is rising more rapidly in women, according to a 2008 study.
The United States, as a whole, spends the most on these medical conditions:
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