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Insurance and The Engineer
The world is no longer right when the two words, Engineer and Insurance are used together, side by side in a conversation. Individually they are words that justify their use, with their own explanations and own meanings as those that compile...
Private Mortgage Insurance (PMI)
If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because...
Term Life Insurance: The differences between Term and Whole Life policies
Life Insurance quite generally is a policy whereby you pay a company a premium so that if you die while covered your descendents receive financial benefits. Within the larger Life Insurance window there exist two broad categories of policies, Term...
Top 10 tips to save money on your car insurance
So, your car insurance is up for renewal…but the premium has gone up again! Shouldn’t it be going down! If you’re fed up paying too much for your car insurance duck2water (www.duck2watercarinsurance.co.uk) have put together the top ten ways you can...
Why Boats Are A Pleasure... But You Still Need Boat Insurance
One of the greatest pleasures that a man can have is owning his own boat. It goes back to the days of adventure on the high seas when a man was absolute monarch of his realm as a captain of his ship. Today there are very few places that the...
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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.
About the Author
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.
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