High Deductibles – What is it the Right Option for You?

September 22, 2008

 

You should know that high-deductible health plans (HDHPs) are very
important role in the health benefits marketplace today. The
premiums are lower, which allows many employers, especially small
businesses, to provide health benefits to their employees they
might not otherwise be able to afford. HDHPs are one solution to
the growing problem of the uninsured people today. HDHPs help raise
consumer awareness of the real costs of health care, which is
having a positive impact on rising health care costs. Research has
also shown that people tend to take better care of them selves and
go to the doctor less if they have to pay more for it.

With health care costs continuing to rise at double-digit rates
each year, many employers have been forced to reduce benefits. They
shift more cost to employees or drop coverage entirely to save
money. Less than two-thirds of all employers now offer health
insurance to their employees do to the cost to the employer or not
having enough employees for it to be worth it. Employee
contributions to health care costs have increased 126 percent over
the last five years. HDHPs, with their lower premiums; offer
employers an affordable choice when offering health benefits to
their employees, with out it coming out of their pockets.

HDHPs give consumers a larger role in health-care decision-making
and create greater awareness of the rapidly increasing cost of
services and why taking care of your health is very important. With
the exception of many preventive care services, covered employees
must pay the deductible – a preset level of medical expenses –
before most medical expenses are covered by the plan. HDHPs are
often combined with an HSA or a health reimbursement arrangement
(HRA), which help plan members meet their deductibles. These plans
encourage greater cost awareness and responsibility to the insured,
and helps decision-making with the help of consumer information
tools. A recent study found that one out of four employers had
significantly increased either employee premiums or cost sharing at
the point of care in the previous year. The same study found
employers who engaged workers in health care decisions were
significantly more successful at controlling health care costs than
those employers who did less to encourage employee engagement. A
study as far back as the 1970s showed that participants in HDHPs
used 25-30 percent fewer services than those in a no cost plan and
take better care of their health needs.

Aren’t HDHPs really just a means of cost-shifting to save employers
and insurers money? No. Continually rising health care costs pose a
real danger to consumers and the health care system overall. As
costs rise, more employers abandon or reduce health coverage for
their employees, leaving more Americans uninsured. The proportion
of Americans under age 65 with employer health coverage fell from
67 percent in 2001 to 63 percent in 2003, resulting in almost 9
million fewer people with employer-based coverage. High-deductible
plans are more affordable than other types of coverage, allowing
many consumers to obtain or maintain coverage. HDHPs are not for
everyone, but they are an important option in a full range of
benefits offerings now available to the marketplace. It is also
important to remember that high-deductible coverage is typically
offered in conjunction with HSAs or HRAs that help consumers pay a
portion of their deductibles. These consumer-directed plans also
generally feature 100 percent coverage of preventive care and
access to information tools that help consumers navigate the health
care system
.

Do high-deductible plans prevent consumers from getting the care
they need? No. Consumers in HDHPs have the security of knowing they
have coverage for major medical events, and most consumer-directed
plans with a high deductible include 100 percent coverage of
preventive care. Independent research also shows that among people
enrolled in HDHPs who were typical of Americans covered by
employment-based insurance, variation in use of services appeared
to have minimal to no effect on health status. Certainly there are
times when consumers with high deductibles face tough decisions
about whether to access health care services. It is very important,
therefore, that consumers in HDHPs become fully informed about the
choices they face so that they can make the treatment decisions
that are right for them. Will high-deductible plans replace other
health benefits products? While HDHPs plans are an important health
care benefits
option, the marketplace continues to look for a full
complement of health products and services to effectively meet the
needs of today’s employers and consumers, to meet that demand.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


What ‘s Med Pay and Do You Really Need It?

September 13, 2008

 

Those drivers living in “no-fault” states are required, by law to
buy either Personal Injury Protection (PIP) or Medical Payments
(Med Pay) coverage. PIP and Med Pay cover the medical bills of you
and the passengers in your car after a crash that requires hospital
treatment or where there were injuries, regardless of who’s at
fault. If you have Med Pay as part of your auto insurance, you will
file a claim with the insurance company registered to your vehicle.
Filing a claim requires several steps and needs to be recorded so
all steps are covered and the people or person gets what they need.
You would first have to pay for your treatment up front. Get a
receipt from the doctor or hospital after the treatment is complete
and send the receipt to the insurance company. Wait for your
reimbursement check from the company and ask about how long to take
to get there. If you use Med Pay to cover medical expenses, tell
the doctor or hospital your auto insurance will pay for the
treatment so you won’t be billed directly. Also, have your
insurance information handy in case the hospital or doctor needs
it. If you have no such insurance you could end up paying out of
pocket for any medical needs to you or others as result of an
accident. It would be worth the extra money to have this than shell
out thousands of dollars you might not have.

Med Pay is designed for immediate and short-term care and is used
first as a form of payment for any accident. Once your Med Pay
limits are exceeded, your health insurance then kicks in and covers
the rest of the costs. As for your passengers, either their health
insurance
will kick in or your auto insurance will have to pay,
which may increase your monthly premium. This is standard primary
coverage for automobile accidents in no fault states. If you are in
a state that doesn’t have no fault insurance then Med Pay pays for
medical expenses first from your auto insurance company. Once the
Med Pay has been maximized out then you can resort to your medical
benefits to cover the rest. Med Pay usually has no deductible and
is useful to those who want to make sure medical pay is there in
the case of an accident. It can take time to get the at fault
driver’s insurance company to pay, so having a back up is good. If
you were the one at fault it is best to be able to get the other
people or person treated and not have to pay out of pocket.

Med Pay will normally cover the necessary expenses for surgical,
medical, dental, and possible chiropractic services. It also covers
hospitalization, X-rays, nursing services, ambulance ride,
prosthetic devices, and funeral services. In many situations,
having Med Pay is a smart way of coverage. There are certain
situations in which Med Pay can be valuable, such as when you are
driving with someone who’s not a family member. Med Pay covers
everyone in the vehicle at the time of the accident, so your
friends and others will have coverage, even if they don’t have
health insurance. Med Pay can help offset the deductible that comes
with your auto or health insurance. If you have health insurance or
belong to an HMO, you probably don’t need Med Pay, but see what
your policy will and won’t cover. But it might be a nice buffer
just in case your medical insurance gives you a hard time; you can
never be too prepared. Also, Med Pay is no substitute for broader
health insurance; few companies are willing to sell more than
$25,000 worth of Med Pay coverage. Make sure you know about all the
policies you have and pay for and what they cover and what they
don’t. This can be very useful later if you need it. There is
nothing worse than getting into an unfortunate accident and having
no clue what is covered and what isn’t. Once the accident has
occurred your insurance has lost money and will do anything to not
pay, know your rights and what their job is to provide to you. When
you are choosing insurance, it is always a wise idea to carefully
check into the plan so you know what it will and will not cover.
You will never know when you will need your policy, so you should
be prepared.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


Understanding COBRA Insurance – Not Many Do…

September 7, 2008

 

Don’t go into heart failure if you just lost your job. There is a
law that makes you eligible to keep your medical coverage while you
look for work. The federal COBRA law makes you eligible for
continual health coverage for those already covered on your
insurance. This is very important to make sure that people who are
just divorced or have had a death in the providing family member
have the bridge coverage they need. When either leaving a job or
being let go from it, you are eligible to keep receiving benefits
from your employers plan for 18 months by paying the premium
yourself, That amount would otherwise have been deducted from your
paycheck. The COBRA law is only for work related insurances,
personal plans are not covered. Anyone who was working and had
medical coverage at the time of being dismissed or leaving is by
law required to be offered the option to hold onto their benefits
at their own expense till the allotted time runs out of they have
new coverage, which ever comes first.

There are three groups of people eligible for COBRA coverage;
employees or former employees in private business, there spouses,
and dependent children. You may get COBRA coverage for the maximum
period determined by your status. You don’t have to take it at all
if you don’t need or want it. State and local government workers
are also eligible as well as classified and independent
contractors
. The only people who are exempt are federal employees
in Washington D.C., certain church-related persons, and firms with
less than 20 employees. But even in the cases where there are not
enough employees there could be eligibility. Some states have
mini-COBRA laws for small places to help out those types of
employees. The coverage will continue for all persons listed on the
original policy and any added dependents during the allotted time
frame.

To be eligible at all for COBRA you have to be covered under an
employer health plan. If you don’t already have medical benefits
you won’t qualify for this extended coverage. COBRA isn’t a health
care plan
of its own; it is only a law that protects workers from
losing all insurance when leaving their employer. All jobs will
send you the information you need to keep or deny this extended
coverage
. You may or may not be given pricing information and might
want to call the human resource department to find out or the
insurance company itself. Your COBRA coverage will end when you
reach the last day of maximum coverage, you stop paying the
premium, the employer stops providing coverage to employees or goes
out of business, or you get new coverage somewhere else, either
through work or privately. The plans that are eligible for extended
coverage on these types of medical coverage; medical plans, dental,
prescription, and vision plans, drug and alcohol treatment
programs
, and psychological treatment.

Paying for COBRA is a personal responsibility to the individual. If
you can’t afford it you might have to pass and not be covered. The
premiums can be very costly for people and even more than when the
person was employed. Employers get a fixed rate based on the number
of employees they have enrolled. The more employees they have
enrolled the cheaper the premiums for all employees. A person on
COBRA doesn’t qualify as an employee and will be seen as a private
insurer through the company. You will receive the exact same
benefits you had when you were working for your job. An employer
should advise you on all COBRA possibilities, and not just the
cheapest or most expensive. If you had more than one plan then you
have the right to elect continuing coverage in any or all of them.
If your former employer changes its health insurance plan for its
current employees, you are entitled to receive benefits under the
new plan as well, although the benefits you get may change. If your
employer switches plans, you won’t be able to keep the old plan,
you will have to choose to go to the new plan or drop coverage.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


Health Insurance Options for the Senior Set

September 3, 2008

 

Buying life insurance for elderly can be difficult. As you get
older, the companies that supply insurance don’t make any money off
of you unless they make the policies too high priced to achieve.
Obtaining senior life insurance at a good premium rate can be even
more challenging than the commercials lead you to believe. The fact
is, anything that increases your risk of death also serves to make
you more of a risk to insurance companies and reduces your chances
of getting cheap premium rates. However, with solid insurance
information, such as that provided by many companies that deal with
older people’s concerns, can get you a good plan at a great rate. A
willingness to try your chances of obtaining life insurance for the
elderly are much better if you are trying get coverage only for
long-term care and death expenses. Your lifestyle and health issues
can keep you from getting the coverage you need at the best prices.
But if you purchase at a good health state and with out any bad
health habits you can find that you are able to get great coverage
that can help ease the burden and save your checkbook in the long
run.

Traditionally, the need for life insurance has been thought to
decrease with advancing age. That is not the case now and many
companies are seeing a market in helping those of advancing age
decide on a policy that will serve them well in long-term care and
funeral arrangements as the time draws near. Many insurance
companies
, in the past, were reluctant to issue life insurance for
the elderly. Furthermore, many employer-sponsored life insurance
plans
contained provisions to reduce benefits for employees at a
certain age, usually 65. Today, this is often still the case but
not as bad as in the past. Generally, life insurance is considered
a replacement of income for your spouse and children if you die
during your working years. People of retirement age and older
usually do not have young children to provide for as their children
are usually self-supporting by this time. So the benefits are more
directed to the needs of the elderly as they finish out their
lives. They will pay for funeral arrangements and provide a
settlement to a widow or children left behind. Some can offer some
relief if one must go into a nursing home facility as well. The
market is starting to blossom as the baby bloomers get to a more
advanced age and the need grows.

While the need for life insurance may decrease with age for some,
there are many who would benefit from life insurance for the
elderly. People are living longer these days and often, elderly
individuals are called on to raise their grandchildren, long after
they have finished raising their own offspring. If you are
responsible for raising your grandchildren as a senior citizen, who
will provide for them when you’re gone? Social security and pension
benefits, if they are eligible to receive them, can fill in the
gaps for your spouse and dependents after your death, but will that
be enough? To determine whether or not you need to purchase senior
life insurance
and, if so, your chances to obtain it at a
reasonable rate, you need to look closely at your individual
situation. What works for another may not work for you, so you must
assess your personal situation and proceed accordingly. Life has
changed today and many policies that were once thought of as age
related are now being revised. Of course changing a policy you have
had for many years will always be the best bet, since it was bought
at ultimate age, health, and cost. But for those people who never
thought they would need it, there are still some great policies
available at a reasonable cost with great benefits.

No mater who or what policy you decide to go with, make sure it
best suits your needs. Also do your research and compare quotes and
policies to see who offers the most for the money. Every senior has
different needs and has to have all of the information laid out so
they can get the best policy for the best price for them. An
elderly couple with an adult handicapped child will need more
insurance than a single elderly person who is alone and has only
need for long-term and death benefits. There is a broad spectrum in
between that who needs to be catered to as well. So make sure you
know what your needs are before signing anything.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


What Your Age and Habits Could Mean in Obtaining a Health Insurance Quote

August 30, 2008

 

Many people don’t start to think about life insurance until they
have gotten older, married, had children, or have settled down.
There are many risks to waiting that long. The older you are and
the more you have put yourself through over the years can come back
to haunt you. A single person in their 20s who doesn’t smoke and is
in perfect health can get a much larger policy at a better cost
than the same person in their 50s, or someone who smokes and abuses
drugs or alcohol. Age and lifestyle habits play a big role in how
much coverage you will get and at what price you will pay. Many
people think they can keep this hidden. Not only is that not always
the case, you can get dropped and in some cases sued if you lied.
Many companies have you get an exam and have all your previous
records sent to them before determining your eligibility.

Most insurance companies want you to be in the best health. This
means you will pay more over time and have less need to use it. So
the company makes a big profit off of you. There are typically
three types of premiums, standard, preferred, and preferred plus.
If you have not had a cigarette in more than five years of never
had one your premiums will be lower than if you have had one in the
last five years or are currently smoking, this would be the
preferred plus program. Being an averagely healthy person and not
smoking in the last three years will buy you the next best rate,
preferred, at a lower cost than many. The standard is for those
individuals who might have some health issues and have not smoked
in at least 12 months, they are still pretty good rates as well.

Then, you have the rate for smokers, which is about three times
higher than those who haven’t smoked or in the last 12 months. This
is what makes many people lie about whether they smoke or not. But
you have to think if you are being treated for multiple bouts of
bronchitis, pneumonia, and upper respiratory infections each year,
they will get suspicious. Plus, your doctor will be able to smell
it on you and has to inform the company if they think you smoke or
live with a smoker. Some insurance companies will require a urine
sample to see if you have nicotine in your system. It is harder
than you think to lie to them. It is possible to cheat if you stop
smoking for 72 plus hours before your urine sample is taken,
nicotine is gone by then. But you never know when they will ask for
another sample unannounced. There of plenty of insurance companies
that don’t care if you start smoking after you got the policy as
much as lying to get it.

Alcohol is another reason your insurance premium can go
skyrocketing out of control. Even just moderate drinking can cause
some companies to up your cost or deny you a plan. Some insurance
companies
don’t care how much you indulge as long as you don’t need
treatment or sought treatment for alcoholism. Alcohol abuse can
cause many health issues and reduce a person’s life by a minimum of
10-15 years or more in some cases. The insurance companies will
also want to know great lengths about your medical history and
probably demand records as well. This can give them plenty of
insight to your alcohol use. They will be looking for specific
alcohol related diseases that you might be treated for. They will
also look at your driving record to see if there is any alcohol
related incidents, which would bump you to a higher premium.

As far as age is concerned, usually people under 60 in very good
health can get a good policy for a great price. The prices tend to
go up as people age due to the fact that they are not expected to
live as long and the company won’t make as much money. If you have
other health issues or bad habits that can make the plan rise in
cost too. Now, there are several insurance companies that cater to
the older groups of people for a decent price and all right
coverage. You want to look at several companies to find out what
you need and what works for you.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


Disability Insurance – Why You Need It Now More than Ever

August 25, 2008

 

Disability insurance is very important for many people and even for
the people who don’t need it. One never knows what can happen, so
to have this available is extremely important. A non-cancelable
disability contract guarantees that your policy cannot be canceled
or have the rates change as long as you continue to pay on time.
Another type, a guaranteed renewable contract, ensures that the
terms of your policy stay the same, but the cost can change over
time. The last kind of disability contract is an optionally
renewable policy. This policy can be canceled by the company at
renewal time and require exams. These types of policies help those
with disabilities obtain and keep medical coverage. There can be a
grace or waiting period but usually you will be reimbursed for
anything accrued at that time.

The waiting period is the time from your first claim to the day you
get your first disability check. Your insurance premium will be
based on your benefit amount, the more you get each month the
higher your premium will be. The longer you collect disability the
higher your premium will be as time goes on. A doctor to determine
eligibility will obtain your current health status and medical
history. If you have any pre-existing conditions or injuries, it
doesn’t mean you are not going to get it. You need for it now
relies on what happened to make you disabled.

You are defined as disabled when the condition that is keeping you
from being able to work is defined and in your employee manual.
This definition will also tell you what you qualify for and how to
obtain it. It will also inform you of whether or not you are
entitled to a new job till you are better or have to be out of work
completely. Some companies offer easier jobs that pay the same
instead of losing an employee and having to pay. Everyone should
have some disability coverage. If you get hurt on the job and can’t
continue your current position you need to have protection that
will keep you from not being able to live. You want to make sure
you know what your business’s policy is in case you need it at some
point. Many companies have group policies that cover all employees
that are working there. One would need to find out if the policy
covers injury and illness or just injury. Also what the time frame
is and will you possibly require more. Most of these will only
cover you if you are injured at work and for a minimal time period.
Some companies don’t even have this type of insurance and you would
be out of luck if injured, while others have several types of
disability, including long and short term.

If you do get injured on the job the first step is to be seen by
your employer’s doctor. This is whom you will be seeing for as long
as you are disabled and collecting disability. You will be examined
and told what is wrong as will your employer. A determination will
be made as to what needs to happen and who is responsible. If you
are declared injured and cannot return to your normal job, another
position must be found for you or you will be paid while on leave,
if this is in the company’s guidelines. Not all employers will pay
so make sure you are working for a company that has extensive
disability insurance that covers both short and long-term issues.
Also see if they cover illness and injury that is not work related.
Many people lose their jobs because they cannot go back to work for
a long time after an injury and the injury didn’t happen at work.

Your coverage will begin after you have been examined and given a
diagnosis. Once all the necessary documents have been filed and
what you are required to do has been set, a new position or payment
will be assigned at that time. You must make sure that if you are
going to be out of work for a long term disability you must pay the
agreed premium to keep the benefits coming and make all
appointments and requirements set by your employer. To breech any
of this could terminate your claim. Make sure you know what is in
store at your job in case of illness and injury you may need it
someday.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


Your Choices in Health Care Plans Explained

August 14, 2008

 

Choosing between health plans can be difficult and confusing for
many people. Trying to find a plan that best fits you and your
families needs is not task. Most plans differ in the way they work
and how much you pay as a premium and co-pay. You will find that
some plans will pay for some services more than others and need to
look at what your individual needs are. Most plans today focus most
of their benefits to preventing illness and reducing the need of
medical attention by providing most of their coverage on
preventative visits and treatments. Many companies also require a
health screening and won’t pick you up if you have pre-existing
conditions. Check to see if premiums are higher for people with
chronic illnesses, such as diabetes or hepatitis, or for smokers.
There are two different types of coverage available, indemnity or
fee-for-service, and managed care.

The Indemnity Plan allows you to use any medical provider you want
to and not need to get any referrals when seeking specialized
treatment or care. You can also go to any hospital that you want
and not have to worry if you are covered. These plans tend to have
a deductible that needs to be met each year before they start
actually paying for some of the medical expenses. These deductibles
can range depending on the plan you need and are usually between
$200 and $1000 per year. The company will then start to pay a
portion of the bill; usually 80% is the standard. You would then be
responsible for the other 20%. Depending on your doctor you might
be responsible for this payment at the time of treatment. Some
doctors will bill you at a later date, but that is rare. Usually
these types of plans will pay for treatment and prescriptions but
not very preventative friendly. You might find you have to pay for
routine physicals and the like with type of plan.

Managed care is the plans most people are used to seeing and hear
most about. There usually are the choices of a Preferred Provider
Organization (PPO), a Health Maintenance Organization (HMO), or a
Point-of-Service Plan (POS). These have some very similar benefits
and you should read carefully through each one to see the
differences and figure out which one would be best for you and your
family.

Preferred Provider Organization (PPO)

A PPO is very similar to an indemnity plan. It has arrangements
with doctors, hospitals, and other providers who have agreed to
accept lower fees from the insurer for their services. As a result,
going to any of the doctors listed on the plan as accepting this
type of insurance, you lower your cost. With PPO if you want to see
a doctor outside the network then you will need to get a referral
from a doctor with in the network first. That is where PPO differs
from indemnity plans. You will pay small co-pay whenever you go to
the doctor and for prescriptions. But you are covered when it comes
to physicals. When you do go outside the network you will be
responsible for the co-pay and extra money that doctor charges, so
your portion will be higher.

Health Maintenance Organization (HMO)

HMOs are the oldest form of managed care plan and been around a
long time. They offer a range of health benefits, including
preventive care, for a set monthly fee, co-pay on prescriptions,
and no deductible. There are several types of HMOs. There is the
type of HMOs offer at most jobs that is a staff or group model HMO.
Some HMOs contract with physician groups or individual doctors who
have private offices, called individual practice associations
(IPAs) or networks. You will be given a list of doctors to choose
from and will pick one as your primary care physician. This doctor
sees you whenever you have a health issue and for yearly check-ups.
If you need to see a specialist or other doctor he/she will give
you a referral. You will also need a referral to go to the
emergency room in some cases. With most HMOs you will pay nothing
to see your doctor, but some do have a very small co-pay of $5-$10
per visit. You must get a referral to go out of the network or be
required to pay for the visit in full. In some cases you might be
required to pay in full if there is a network doctor available and
you refuse to see that one.

What is a Point-of-Service (POS) Plan?

Some HMOs offer an indemnity-type option known as a POS plan. In
this type of HMO, a POS plan, members can refer themselves outside
the plan and still get some coverage. If your personal doctor
refers you to a doctor out side of the network you will be fully
covered by the plan.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.


Five Tips to Trim your Medical Expenses and Save

August 7, 2008

 

With the rising cost of healthcare, medications, and insurance, it
isn’t surprising that people are trying to figure out ways to avoid
getting sick and choosing a better lifestyle to lower insurance
costs. There is actually quite a bit one can do to help save same
cash. It is just a matter of tweaking ones lifestyle choices and
preventing health issues from arising or keeping the immune system
up so you just don’t get as sick as much. For those people who are
seriously sick of high medical premiums and paying out the nose
year round for doctor’s visits and medications, this should be a
great thing. Small things make a world of difference when it comes
to your health.

1) Stop smoking is the biggest one. Not only do you get sicker than
the average person, it is worse. Many smokers are treated for
several bouts of bronchitis and pneumonia each year. Smoking also
makes you susceptible to colds and other infection. You will also
pay a higher premium on your insurance and in some cases won’t get
covered in full for cigarette related illnesses or diseases. Plus
the money you save from quitting can go to bigger and better things
than your medical issues.

2) Avoid excessive alcohol use, it lowers the immune system. People
who consume more than 3-4 alcoholic beverages in a week are at far
greatest risk of catching a viral or bacterial infection. Even if
you do most of your drinking at home where you are safe from others
germs, you still are very susceptible. Once the immune system has
lowered its defenses you are risk anywhere you have to go and even
in your home if you live with others who leave the house. Drinking
excess alcohol can also lead to other very expensive health issues,
such as liver disease or alcoholism. To be diagnosed and treated
for chronic liver problems can and does cost deep in the pocket.
Not to mention once you have this getting medical insurance with
another company will be very hard and costly for a pre-existing
condition. Plus current insurance premiums could rise now that you
have a chronic condition.

3) Eat a healthy and nutritious diet to maintain your body’s
strength and vitality. The type of foods one puts in their mouth
can be the difference between life and death in some cases. Eating
right and getting all the nutrients and vitamins can severely
reduce the risk of many diseases. Cutting out fatty, fried foods
can keep your heart and circulatory system strong and healthy, and
lower your risk of a heart attack and/or stroke. Many vitamins and
minerals found in food also promote a strong immune system, which
can help keep you infection free more often. Just adding more zinc
to your diet can help boost your immune system enough to prevent
catching colds and flues.

4) Get plenty of exercise. The better tone and condition your body
is in the less likely you are to get sick or have weight related
health issues. It is very important to get exercise to keep your
body happy and healthy, and prevent your money from going to
undesired medical treatments. Regular and consistent exercise can
help prevent heart related health problems later on in life. It
promotes a better circulatory system and stronger heart muscle.
Exercise also promotes better oxygen intake, which helps the lungs
become more efficient. Also increased oxygen aids in better
metabolism and can keep weight in check and reduce other illnesses
like asthma and diabetes.

5) Make sure you have time or make time for rest and relaxation.
Keeping healthy also includes staying happy. Reduce your stress,
get plenty of sleep each night, and have leisure time. It is
important to enjoy life and do things that ease tension and promote
happiness. Proper rest and fun can cut down the risk of developing
mental issues such as depression or anxiety that can cost much
money in treatment and control of the disorder. Having that balance
in ones life can really promote great mental health and clarity.
Being burnt out or stressed out is associated with many disorders
such as depression, anxiety, ulcers and other stomach issues,
headaches, and insomnia. All of these ailments that can be
prevented will save you tons of money on doctors visits, tests and
treatments.

DISCLAIMER: This information is for educational and informational
purposes only. The content is not intended to be a substitute for
professional advice. Always seek the advice of a licensed Insurance
Agent or Broker with any questions you may have regarding any
Insurance Matter.