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Adulting in Healthcare: A Young Woman’s Guide To Taking Care of Her Health - Alcove Health Women's Clinic Newport News, VA

Adulting in Healthcare: A Young Woman’s Guide To Taking Care of Her Health

Adulting in healthcare as a young woman? Learn how to find providers, ask questions, protect your rights, and confidently manage your health.

Because no one hands you a manual when you turn 18.

Stepping into adulthood means you’re suddenly making big decisions including the ones that affect your health. Adulting in healthcare, especially as a young adult, can feel overwhelming, confusing, and honestly a little scary – and no one talks about it!!

I’m still figuring it out myself. But the more equipped you are, the more confident you’ll feel when it’s time to walk into that doctor’s office.

How Do You Find a Provider?

  • Check your insurance portal – they have providers that are “in your network”
  • A simple good search – find offices accepting new patients and your insurance. In Hampton Roads, that might be TPMG, Riverside, Sentara, Mary Immaculate, etc.
  • Ask friends, mentors, and trusted adults for recommendations. You may be adulting in healthcare, but that doesn’t mean you can’t lean on others!
  • If you don’t have insurance, with a quick google search you can possibly find free or low-cost options in your area like Alcove Health Women’s Clinic or Lackey Clinic. Adulting in healthcare can be expensive, but there are free and low-cost ways to help make it less expensive.

Your goal is to find a provider you trust, especially if that means you are taking care of your health. It’s okay if it takes a few tries. You’re allowed to switch if the vibes are just off or if you feel unheard, uncomfortable, or dismissed.

What should you bring to an appointment?

In general, you should bring:

  • An ID
  • Your insurance card (if you have one)

Extras that could be helpful:

  • A list of your current medications or just bring bottles (or bring a picture on your phone).
  • Come prepared with questions or concerns. It’s helpful to be prepared to respond to these questions. You will most likely be asked:
    • “What brought you in today?” or
    • “What concerns do you have?”
  • Comfy clothes, especially if you might be changing for an exam.

Also helpful: Know some of your family medical history. You can use this form to help. They typically ask for this information in the paperwork and verbally. Ask your family members (like mom, dad, siblings, grandparents) ahead of time if you’re not sure.

Adulting in healthcare means you will be the one responsible for relaying this history, and you want it to be accurate.

What About Consent and Your Rights?

Turning 18 means you are now in charge of your medical decisions. It also means you’ll have to sign a bunch of paperwork like:

  • Patient registration form (basic contact info, emergency contact info, insurance info)
  • Health history questionnaire
  • Privacy and consent forms (HIPAA)

This isn’t an all-inclusive list of the type of paperwork you’d see since it can vary.

Most of it is pretty straightforward until you get to the privacy or HIPAA forms. Here’s an example:

Basically, this form is asking what medical information about YOU can they share with someone who might need your information to coordinate your care:

  • Healthcare provider(s)
  • Parent or guardian
  • Family members
  • Insurance companies
  • Any other organizations

You can also choose NOT to share anything with anyone. If you don’t want to give consent, you don’t to. This is a plus to adulting in healthcare: you can say no.

What If You Have Questions?

When it comes to your care, YOU get to choose what you want.

Just because a provider is recommending it, doesn’t mean you have say “yes” to it.  For example, a flu shot is recommended but not required. You can choose whether you want to get it or not regardless of what the provider says.

Don’t shy away from asking questions. It’s okay to ask:

  • Why are you recommending this?
  • What are the benefits and risks?
  • Can you explain that differently?
  • What are my alternative options?
  • Will you be prescribing the name brand or generic medication? (Generic is typically cheaper and just as effective as the name brand)
  • What are lifestyle changes I can make to support my health?
  • What would happen without any treatment?
  • What tests, vaccines, and check-ups do I need for my age?
  • What are symptoms to watch for or keep an eye on?

You deserve to understand what’s happening in your body and your health decisions.

When Should You Get a Second Opinion?

Unfortunately, healthcare is a business kind of like going to a mechanic. Sometimes they’ll list a whole bunch of things “wrong” with your car that you’re not even sure you need. Healthcare can feel the same way at times.

But that doesn’t mean every provider is trying to upsell you or act in bad faith. Just like finding an honest mechanic you trust, finding the right healthcare provider can take a little trial and error, and that’s completely okay.

I’m pretty new to this adulting in healthcare stuff myself. I recently had a consultation for braces. I don’t NEED braces right now. There’s no pain or any immediate issues, and to be honest I can’t afford them at the moment. The treatment plan they provided me with seemed a little over the top compared to a consultation I had a few years back.

This experience made me realize I want to get a second opinion before making a big decision and financial investment.

It would be a good idea to get a second opinion when:

  • You have an unclear diagnosis or treatment
  • You don’t like the provider’s approach and don’t feel comfortable or confident in their recommendations
  • A provider says you have no other options
  • Treatment is risky and/or experimental
  • Treatment will be a big financial investment
  • Treatment is not working
  • Your insurance provider requires a second opinion
  •  

Sometimes a provider will refer you to a specialist for specific concerns, but if they don’t, it’s absolutely okay to ask about that. Depending on the situation, it’s usually better to seek a second opinion sooner rather than later. Even if your concerns aren’t “urgent”, I’d keep it on your radar to get a second opinion at some point.

Remember: It’s okay to take some time, ask more questions, and get another perspective. Adulting in healthcare means giving yourself the space to think for yourself before you act.

What is normal to be nervous about?

In general, it’s normal to be nervous going to your first appointment ever as a young adult. It’s new and a little complicated. You don’t really know what you are doing and you get to make your own decisions.

It’s normal to be nervous about…

  • Not knowing what to expect
  • Any procedures or new treatments
  • Intimate exams (like a pap smear)
  • Whether you will like the provider or not
  • The cost
  •  

If you’re nervous about any part of it, that’s SO valid and you’re not weird for being nervous.

Use Your Patient Portals

If your provider or medical office has a patient portal, use it! You can:

  • View test results
  • Message your provider
  • Refill prescriptions
  • Pay bills

Sometimes you can also book appointments through the portal. It’s helpful because everything is in one place.

Adulting in Healthcare Myths vs Reality

❌ Myth

✅ Truth

“If a doctor says it, I have to do it.”

You have the right to say no or ask questions. Consent matters in every part of healthcare.

“I can’t switch doctors – it’s rude.”

Nope! If you feel uncomfortable or unheard, it’s okay to look for someone who does feel like the right fit.

“I need insurance to get any care.”

Not always true. Places like Alcove Health offer free and confidential services – no insurance required.

“I should already know how to handle this.”

No one is born knowing how to navigate healthcare. Asking questions and learning as you go is part of adulthood.

“Being nervous means something’s wrong with me.”

Feeling nervous is completely normal – especially for first-time appointments. You’re not alone.

Learning to advocate for yourself takes time and courage. You don’t need to have it all figured out, but you do deserve answers, respect, and care that honors you.

At Alcove Health Women’s Clinic, we walk alongside you with free and confidential services like pregnancy testing, ultrasounds, options consultations, and STI testing. Whether you’re unsure where to start or just need a safe place to ask questions, we’re here for you.

💬 Take that next step and schedule your free appointment today by phone or by appointment link button:

FAQs

Q: Do I need to see a specific provider or go to a certain facility?
A: If you are already seeing a specific provider (or specialist), then yes; but if not, starting with a general practitioner/family medicine/primary care provider is the best place to start. 

Q: What’s the difference between a premium, deductible, and copay for health insurance?
A: Your premium is your monthly payment just to have health insurance coverage. A deductible is the amount YOU have to pay BEFORE insurance will help you cover the cost. Finally, your copay is how much you pay for each service/visit after insurance covers it.

Q: How do I know what my health insurance covers?
A: You can typically find this information in your health insurance portal or website. Don’t be afraid to ask someone too.

By Kalea, Alcove Health Staff

December 4, 2025

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