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5 steps to cheaper home owners insurance.
Copyright 2005 Stacey Zimmerman
Knowledge is power.
When you are looking to make any major purchase or take out any long term insurance the first thing you should do is arm yourself with all the facts you need and this is by no means any...
Cat insurance
Cat insurance can help you afford expensive medications for your cat. There are a lot of things that can happen to your cat as it gets older - from injuries to illnesses. For that reason, many cat owners have found it worthwhile to pay for cat...
Insurance For The Self Employed And Those Seeking Health Insurance
First of all, congratulations on deciding to go out and make it on your own. The rewards and excitement of making it on your own can not be found anywhere else. Now, when looking for insurance for the self employed for a person like yourself,...
Student Health Insurance
Health insurance is increasingly important. With the rate at
which medical expenses have continued to rise over previous
years, and the reductions in government funded health care
programs, being without health insurance is less an option...
Tips for Choosing a Life Insurance Company
More than 150 insurance companies offer thousands of life insurance products in the UK. Choosing the right company and right product from this bewildering choice is challenging. Fortunately, there are some common sense guidelines that will help...
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Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.
These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.
The basic answer is that a magic bullet to solve the cost of insurance does not exist because the real difficulty is controlling the cost of healthcare. A simple way to dramatically decrease the dollars spent on healthcare is to reduce the demand for healthcare.
I have seen estimates that up to 40% of all healthcare related expenses result from preventable conditions. These preventable conditions are caused by lifestyle choices such as tobacco, obesity, stress, lack of exercise and poor diet.
Most of us, myself included, make lifestyle
choices everyday that eventually increase our demand for healthcare. We are never going to be able to totally eliminate all lifestyle related healthcare costs. However, improved lifestyle choices would cause a dramatic reduction in demand. This would then result in a similar reduction in the dollars spent on healthcare.
Lower demand for healthcare would result in lower health insurance costs, increased productivity, and reduced absenteeism. If your organization has not done so already, your organizational leaders need to seriously consider the benefits of health promotion and disease prevention programs. Your return on investment will most likely be as high as 2:1 in the first year.
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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