(StatePoint) Young people may not give much thought to the cost of an unexpected crisis, particularly when it comes to serious accidents or illnesses. Should an emergency occur, you don’t want to be caught off guard and have to cut back on other essentials or miss out on those special experiences that bring a smile to your face.

Here are three things from Aflac that everyone, but particularly young adults, should consider:

Know what your insurance covers. As the cost of health care continues to shift to employees, it’s important for young adults to understand what their health coverage does and doesn’t cover. Keep in mind that major medical may not cover everything, so read the terms of your policy to get a better understanding and help prevent surprises down the road.

Consider your expenses. Today, many Americans rely heavily on technology to manage and enjoy their day-to-day lives. This is especially true of younger generations that use cellphones for everything from entertainment and navigation to maintaining their health and wellness with fitness and recipe apps.

Many people are caught by surprise after a serious accident or illness and end up using their “digital fund” to help pay for bills that would otherwise set them back financially – meaning they may cancel TV subscriptions, smartphone data plans, cable, internet and music-streaming subscriptions. Being prepared for these situations can help you stay connected, no matter what comes your way. That said, it is helpful to know which of these services are most meaningful to you so that you will know where to cut the cord if need be.

Be extra protected. Even if you have standard health insurance, you may want to consider adding an additional level of financial protection by opting for voluntary insurance. Such benefits options can help foot the bills associated with an illness or accident. For example, the supplemental insurance offered by Aflac can pay policyholders cash on eligible claims. Coverage for this insurance, available nationwide, is underwritten by American Family Life Assurance Company of Columbus or New York. Having supplemental insurance can make it easier to stay on top of payments for subscription services, memberships and experiences that help you live life to the fullest.