What to Ask Your Physician at Each Age

Key questions on your major care doctor, out of your 20s via your 60s and past.

One girl in casual wear sitting in waiting room of hospital and filling in form, medical poster on wall. Young female visiting doctor. Concept of healthcare

Certain, Haven Life affords no-medical-exam life insurance, however that doesn’t imply you must by no means get a medical examination. In truth, getting one repeatedly is an effective technique to keep away from extra severe visits to the physician.

Or, to place it one other approach, an apple a day won’t preserve the physician away — the one factor that can preserve the physician away is seeing the physician. (Properly, that plus a wholesome life-style and a little bit of luck). And as you would possibly already know, basically, the more healthy you’re, the lower your life insurance premium will most likely be.

Anyway, if you do see the doctor, you’ll get much more out of it if you happen to ask the precise questions on your well being, together with requesting assist to remain on high of the precise issues. To seek out out what these issues are, we requested Jamin Brahmbhatt, MD, a urologist at Orlando Well being, for some ideas, and we additionally combed via data from the CDC.

“These are basic suggestions, and a person’s particular well being wants might differ based mostly on their private and household medical historical past,” Dr. Brahmbhatt says. “It’s vital to have open and sincere conversations together with your healthcare supplier about any considerations or questions you might have, and to comply with their suggestions for preventative care and screenings.”

And that can assist you have these open and sincere conversations about your well being care, listed below are some subjects that will likely be related at completely different ages. (If you happen to’re undecided the place to start out with health insurance, the linked article affords some issues to think about.)

On this article:

In any respect ages:

Whichever age bracket you fall into, there are particular issues you have to be doing repeatedly:


Have an annual check-up and bodily together with your major care doctor. If you happen to personal a automotive, you most likely have somebody take a look at it yearly; following the identical plan on your physique is the least you are able to do.

Go to the dentist each 6 months for a cleansing and a check-up. When you’ve got any issues, this may imply they’re recognized and handled earlier than they turn into large issues. When you’ve got no issues, an expert cleansing each 6 months will assist preserve it that approach.

And do a imaginative and prescient test. That is partially so you may be sure you’re seeing in addition to potential, nevertheless it’s additionally to search for any medical issues that you just might need together with your eyes. (These usually are not essentially straightforward for a non-professional to note.)


Do a self-check of your breast to search for breast most cancers. Here’s how to try this, in case you’re not sure.


Do a self-check for testicular most cancers. Here’s how,

In your 20s:


Discover a good major care doctor. Sure, you’re (most likely) in nice well being proper now (which makes it a good time to get life insurance, by the best way), with a superhuman capability to bounce again from well being issues, however that won’t final perpetually (sorry). So, very similar to you would possibly use your 20s to see what sort of romantic accomplice fits you, spend a while now discovering docs you want, who you could possibly think about going to for a few years to return.

When you’re with these healthcare professionals:

  • Do a baseline check-up and screenings for sexually transmitted infections, blood strain, and ldl cholesterol, together with blood exams, and take note of the take a look at outcomes.
  • Focus on any family history of chronic diseases. These can embrace diabetes, coronary heart illness and most cancers.
  • Discuss life-style selections, corresponding to weight loss program and train, and their potential influence on long-term well being.
  • Ask about what immunizations you must have (together with HPV), and get within the behavior of getting an annual flu shot. Flu in your 20s is depressing; flu if you’re older might be lethal. Get within the behavior now.

All of this units you up nicely for the a long time to return.


  • The CDC recommends that ladies get HPV and Pap exams at 21 years previous and do them repeatedly going ahead. (This may help spot or stop cervical most cancers). In case your outcomes are tremendous, chances are you’ll not want one other one for a number of years. Your physician will inform you if that is so.
  • If you’re utilizing contraception (or wish to), it’s price having a frank, open-ended dialog together with your OB-GYN in regards to the obtainable choices and their professionals and cons. Contraception is an ever-evolving subject, so you might have selections obtainable that you just’re unaware of. Additionally, your 20s is an effective time to seek out an OB-GYN you want and develop a relationship with them: You might want them extra as you become old.

In your 30s:

The adjustments during your 30s usually are not enormous, although as you attain the center of this decade chances are you’ll discover that hangovers are extra punishing than they was once. (And alas, there is no such thing as a “treatment” for that.) On common, extra persons are ready longer to have youngsters, too, and that may additionally change the sort of medical care you’ll want.

Listed below are another issues you may attend to.


  • Have common check-ups and screenings decided by your major care supplier based mostly on household and social historical past (which you began discussing together with your physician in your 20s). When you’ve got a household historical past of most cancers, for instance, you would possibly begin screening for it in your 30s.
  • Keep your medical records organized. You might transfer states, even international locations; this may go extra easily with well-organized data.
  • Think about your psychological well being. Life can turn into tougher in your 30s (profession; relationships; youngsters; growing old relations), so it’s price checking in with yourself about melancholy and/or anxiousness dysfunction, so that you just and your physician can handle considerations earlier than they turn into large issues. Begin here and ask your major care physician for suggestions if you happen to assume you’d profit (as many individuals do) from seeing a specialist.
  • If you happen to’re pondering of getting youngsters, ask what you are able to do to optimize your fertility.
  • Ask if any of the immunizations you bought in your 20s (or earlier than) should be renewed.

In your 40s:

Household historical past turns into extra related in your 40s, so ensure your loved ones doctor is aware of yours (particularly if the physician you may have now could be new to you or new-ish). Males with household histories of colon or prostate most cancers and ladies with histories of breast most cancers ought to ask their docs if they need to begin screening for these early.


  • Focus on any changes in health status and any new signs or considerations together with your major care physician. Keep in mind that she or he is just not psychic, and that to get essentially the most out of your physician it’s important to be candid and supply them as a lot data as potential.
  • Begin doing annual ldl cholesterol and pores and skin checks.
  • In case your BMI is greater than 25 (or 23 if you happen to’re of Asian descent), take into account getting your blood glucose checked, since diabetes is common, and may influence individuals of varied weights and builds.
  • If you happen to haven’t been getting your imaginative and prescient checked (hey, we did point out this), be sure you’re diligent about it from right here going forwards. Folks’s imaginative and prescient typically adjustments of their 40s, and never in a great way.



  • Focus on menopause, its potential influence on well being and what to anticipate from it basically. Menopause is arguably an under-discussed matter till an individual is experiencing it. However there’s no motive to not be ready and knowledgeable forward of time — your docs will likely be glad to debate this and to arrange you.
  • Ask your physician about mammograms. In recent times there has been some debate over whether or not ladies ought to begin having them of their 40s or 50s. Speak to your physician about what is sensible for you, contemplating your well being and household historical past.

In your 50s:

This is a time when it’s actually vital to inform your physician if something has modified together with your well being, or if you happen to’re feeling something new or completely different, as your danger of all kinds of great sicknesses will increase after 50.


  • Proceed the common check-ups and screenings you had been already doing, and ensure these embrace colon most cancers screenings and prostate most cancers screenings for males and mammograms for girls.
  • Focus on bone well being and the potential want for osteoporosis screenings.
  • Think about getting your listening to checked.
  • Get the shingles vaccine. It’s advisable for these 50 and over, it doesn’t damage, and you actually don’t wish to get shingles.
  • Maintain monitoring any continual situations you’ve developed, and test in on any prescribed remedy or unwanted side effects.


  • How is your libido? If it has diminished (and if you happen to really feel fatigued) you may want your physician to test your testosterone and your ranges of vitamins like magnesium and folate.
  • Keep watch over your pores and skin; the chance of melanoma for males will increase from the mid-50s onwards.


  • After menopause, bone density can change. Ask your physician if you happen to ought to begin bone density testing.

In your 60s and past:

As an older grownup, sustain together with your screenings at your loved ones physician, attempt to preserve match. Oh, and think about death a little (see under).

  • Focus on any potential (or precise) cognitive or reminiscence adjustments together with your physician, and get a dementia screening if you happen to’re excessive danger.
  • Keep watch over your pores and skin: the chance of melanoma will increase with age.
  • Assessment your vaccination standing. Specifically, are you updated with flu and shingles vaccines? The overwhelming majority of individuals killed by flu are over 65; and if you happen to get shingles if you’re older it may be awfully severe and critically terrible.
  • If you’re or had been a smoker, a while across the age of 65 ask your physician if you happen to ought to have an belly aneurysm examination.
  • Focus on finish of life together with your physician (and household): Would you like a DNR? Ought to you may have a residing will, and what must be in it? Do you may have a plan for long run care? These are selections to make when you’re wholesome, so get to them now.

You might assume you don’t have time to go see the physician, particularly if you happen to’re feeling tremendous, however what you actually don’t have time for is being critically in poor health or slowly falling aside. We propose you spend just a little time coping with your well being repeatedly to keep away from spending plenty of time on it down the street.

Our editorial coverage

Haven Life is a customer-centric life insurance coverage company that’s backed and wholly owned by Massachusetts Mutual Life Insurance coverage Firm (MassMutual). We imagine navigating selections about life insurance coverage, your private funds and total wellness might be refreshingly easy.

Our editorial coverage

Haven Life is a buyer centric life insurance coverage company that’s backed and wholly owned by Massachusetts Mutual Life Insurance coverage Firm (MassMutual). We imagine navigating selections about life insurance coverage, your private funds and total wellness might be refreshingly easy.

Our content material is created for academic functions solely. Haven Life doesn’t endorse the businesses, merchandise, companies or methods mentioned right here, however we hope they’ll make your life rather less arduous if they’re a match on your state of affairs.

Haven Life is just not licensed to offer tax, authorized or funding recommendation. This materials is just not meant to supply, and shouldn’t be relied on for tax, authorized, or funding recommendation. People are inspired to seed recommendation from their very own tax or authorized counsel.

Our disclosures

Haven Time period is a Time period Life Insurance coverage Coverage (DTC and ICC17DTC in sure states, together with NC) issued by Massachusetts Mutual Life Insurance coverage Firm (MassMutual), Springfield, MA 01111-0001 and provided solely via Haven Life Insurance coverage Company, LLC. In NY, Haven Time period is DTC-NY 1017. In CA, Haven Time period is DTC-CA 042017. Haven Time period Simplified is a Simplified Challenge Time period Life Insurance coverage Coverage (ICC19PCM-SI 0819 in sure states, together with NC) issued by the C.M. Life Insurance coverage Firm, Enfield, CT 06082. Coverage and rider type numbers and options might differ by state and will not be obtainable in all states. Our Company license quantity in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by A.M. Finest Firm as A++ (Superior; High class of 15). The score is as of Aril 1, 2020 and is topic to vary. MassMutual has obtained completely different scores from different score businesses.

Haven Life Plus (Plus) is the advertising identify for the Plus rider, which is included as a part of the Haven Time period coverage and affords entry to further companies and advantages without charge or at a reduction. The rider is just not obtainable in each state and is topic to vary at any time. Neither Haven Life nor MassMutual are liable for the availability of the advantages and companies made accessible below the Plus Rider, that are offered by third celebration distributors (companions). For extra details about Haven Life Plus, please go to: https://havenlife.com/plus

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