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Life and Health


By September 1, 2012No Comments

It’s a fact: Americans are living longer and healthier lives than ever. However, good health doesn’t eliminate the need for health care. Too expensive you say? There are many ways to save dollars on Health Care insurance. For example:

  • Take advantage of free educational programs offered by local hospitals, agencies, and educators. The more you know about health-related issues, the easier it is to make decisions.
  • Establish a solid relationship with your primary care physician. This should improve the quality of your care because the doctor will recognize your unique medical needs. Although going to an emergency clinic for routine care might seem easier, you’ll pay more for the convenience.
  • Select a higher deductible to reduce your policy premiums. Review the medical costs you’ve paid during the past couple of years, including insurance premiums, deductibles and co-pays, and other expenses not covered by insurance. Many people choose a lower deductible without examining their medical history — assuming that because their insurance will pay at the time of a claim, they’ll save money. However, this doesn’t hold true in all cases. In fact, you might benefit by selecting a higher deductible and paying smaller claims out of pocket.
  • Make healthy lifestyle choices. Such basic decisions such as not smoking and exercising regularly will save you money, as well as making you healthier. Regular exercise can reduce high blood pressure.

The better your health, the less you’ll pay for Health insurance.