| |
| |
|
Insurance Information |
|
|
|
Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases are numerous and include: technological advancements in the medical field, increased demand for medical services and prescription drugs, the aging of the population, cost shifting caused by the uninsured and governmental reimbursement rates, state and federal mandates, and costs associated with medical related lawsuits. As individual consumers, we have very little control over some of the factors contributing to the cost of healthcare. However, all of us have control over lifestyle related health insurance claims. A simple formula of eating a balanced diet, getting the appropriate amount of daily exercise, participating in annual physicals and other recommended routine care, limiting alcohol consumption, and eliminating the use of tobacco products will no doubt reduce our personal healthcare costs. In addition to reducing medical costs, the other benefits of following such a formula include more energy, self confidence, less stress, and increased productivity. If you are not doing so already, I encourage you to consider practical ways to promote a healthy lifestyle for you and your family. For example, one of the individual health insurance companies my organization works with has an option that will offset 25% of the annual cost of a health club membership. Simple things such as taking a walk, bike ride, or going swimming promote both a healthy body and mind. If you have a sweet tooth, consider limiting yourself to eating desert once a week. You will enjoy it more and your body will thank you. Health insurance premiums will continue to increase as long as the cost of healthcare continues to go up. The best way to reduce the overall cost of healthcare is to decrease our need for healthcare. Healthy lifestyle choices and prudent use of the healthcare system are the best and easiest ways to get a handle on our healthcare expenditures. Perhaps the greatest benefit of a healthy lifestyle is our ability to enjoy our precious time here on earth to the fullest. Michael Ertel is the President of Ertel & Company, Inc. and has over 15 years of experience in the health insurance business. He is the founder of MedicalInsuranceNow.com which is an internet based service that assists individuals, families, and small business owners by providing side by side comparisons of health insurance alternatives and the convenience of applying for health coverage online.
MORE RESOURCES:
|
|
|
|
RELATED ARTICLES
Insurance Adjusters How They Work And How They Think Here comes the insurance adjuster. Is he overly friendly? If so, watch out! It's OK to be hospitable. Free Money Saving Auto Insurance Tips Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Car Insurance Gearing up to Drive Down Costs For once finances seem to be going in favour of the UK motorist, with Esure announcing plans to double its share of the UK's car insurance market - a move which is likely to spark a price war, other internet-only direct insurers passing on to consumers savings based on their low overheads, and specialist insurers offering reduced rates for their particular target markets. A trial pay-as-you-go scheme from Norwich Union is also creating a lot of interest for money conscious motorists. Seven Steps to Filing Your Car Insurance Claim Having even a teeny-tiny car accident can be one of life's least enjoyable moments. However, accidents happen, and sooner or later, we all have the experience of meeting one of our fellow road travelers up close and personal. Ever Wondered What An Auto Insurance Claim Adjuster Does? An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. Medical Insurance - Health Insurance Coverage & Plans Explained If you're trying to decide between health insurance plans, you'll find that there are several different kinds from which to choose. It's important that you weigh all your options carefully. Health Insurance Quotes Online - Tips On Finding a Good Provider Since 2001, major health insurance providers have been allowing consumers to buy policies online. Through the convenience of the internet, consumers are able to compare prices and coverage to find the best insurance policy for them. Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements The best judge of Total Disability and/or Partial Disability is "Ole" Doc Comfort your attending physician. The Medical Report he executes for the insurance company you're battling with, Rock Solid Insurance Corporation, should always contain his comments regarding the nature of your disability. Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?Everyone knows that car insurance companies are not all equal. Car Insurance Quotes Online - Why You Should Use the Internet to Find a New Insurance Company Before the internet, you picked a neighborhood car insurance agent, and you stayed with the insurance company for years. Now car and truck drivers are finding reasons to shop online for their car insurance company. Everybody Wants The Best Term Life Insurance Quote The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don't even have to know anything about the insurance industry to get the best term life insurance quote from an online insurance company. Are You Sure That Heirloom Oriental Rug From Your Aunt Hilda Is Really Insured? Gone are the days of the cinder block and wood plank bookcases. You've come along way from that old reliable jut rug and CDs (or in some cases, actual vinyl albums) stored in milk crates. Insurance or Assurance - Do You Need Reassurance? Insurance versus assurance: what is the difference?Should you care?Yes!!The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product.When looking for a policy you need to know what you are looking for and what is on offer in order that you get the right cover for your needs. Need A Car Insurance Comparison? Dont Have Time? If you decide not to do a car insurance comparison and simply renew your insurance at the same rate, you could be paying away needless amounts of your hard-earned money. By doing a car insurance comparison, you could get a cheaper rate than what you are presently paying. Finding Health Insurance for Self-Employed Individuals: A Guide For the Freelance Newbie With a rise in those looking to venture out on their own in the business world, health insurance for self-employed workers is a priority. At first glance, obtaining health insurance for self-employed individuals may seem difficult and quite overwhelming. Discover the Fortune Hiding in Your Insurance Premiums! Ever thought about how to save money? Sure you have, what did you do? You downsized a few things, maybe cut back on the monthly budget, had a boot or garage sale to free up some money but there is a place which most people don't look. Insurance premiums!There are normally 3 types of insurance:Legally obligated - Such as Car InsuranceContractually obligated - Such as Life Insurance if you have a MortgageNon Obligated / Perceived Need - Home Contents InsuranceClearly you can't remove all of them as you can see you are legally required to have some insurance. How to Match the Right Insurance Policy to the 4 Stages of Life As we go through life our needs change. A Young man or women with a family has very different insurance needs then the Empty Nester. Why Do You Need Homeowners Insurance? The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type of liability with a homeowner's insurance policy. Life Insurance Beneficiaries Naming a beneficiary for your life insurance policy can be a difficult decision to make, not to mention a tricky procedure. A person needs to research the different types of beneficiaries and the different ways to go. Insurance Glossary of Terms Assured - Those insured under the terms of an insurance policy.Benefit - The money paid to the policyholder when a claim is made.
|
| home | site map |
| © 2006 Indexadvertisements.com |
