LOWER

YOUR
BOTTOM
LINE ON YOUR
HEALTH INSURANCE

by
Lin Stone

  It's True!
Bad Habits
Can Kill You!

Yes, and they cost you money too.

It's bad enough that most of us have habits that will -- at least eventually -- limit our health and well-being. But the fact is, those bad habits can raise our health insurance quotes past the ceiling mark right now too, before they begin hurting us physically.

That's right! Once you have been diagnosed with any kind of a major medical problem, getting medical insurance with another company will be very hard and costly for that pre-existing condition.

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With the rising cost of health care, medications, and insurance, it isn’t at all surprising that people are now trying to figure out ways to avoid getting sick in the first place.

Choosing a better lifestyle right now will lower your insurance costs – NOW and in the future. Again, if you don't believe it, fill out one application as if you were not a smoker, and fill out another application at the same company as if you were still smoking -- and just look at the hefty chunk of change spilling out of your hands like your piggy bank had been hit with a ten pound sledge hammer.

 Small changes in your lifestyle can make a world of difference when it comes to your health. That means there is actually quite a bit you can do to help save some cash. It is largely just a matter of tweaking your lifestyle choices and preventing health issues from arising and pumping that old immune system up so you just don’t get as sick as often.

For those people who are seriously sick of high medical premiums and paying out the nose year round for doctor’s visits and medications, discovering this knowledge should be a great blessing.
 

  1. Quit Smoking is the biggest change you ought to make. Not only do smokers usually get sicker than the average person, it is worse. Many smokers are treated for several bouts of bronchitis and pneumonia each year. On top of that, smoking also makes you susceptible to colds and other infection. As a smoker 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 until at least a year or so has passed. Quit Smoking.. the money you save from quitting can go to bigger and better things than your medical complications.

After you get the smoke out of your space you'll want to focus on breathing better.

Air is our most vital source of energy and vitality. Every cell in the body absolutely MUST be nourished with an abundant supply of oxygen if they are to survive with vigor and vitality.

Breathing difficulties can seriously handicap our ability to function and enjoy life. When we suffer from asthma, bronchitis, allergies, frequent colds or simply insufficient oxygen intake, we are prone to a lack of energy, vitality and /or mental clarity.

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  1. Next, you will want to avoid excessive alcohol use because insurance companies believe it lowers the effectiveness of the immune system. According to their (insurance companies) statistics, 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 the germs that smokers and drinkers are spewing out into closed bar rooms, you still are very susceptible. Once the immune system has lowered its defenses you are at risk anywhere you have to go.

As everyone except Winston Churchill knows, Drinking excess alcohol can also lead to some other very expensive health issues, such as liver disease or even (GASP) alcoholism.

To be diagnosed and treated for chronic liver problems can -- and will rip a hole in your pocket when it first strikes.

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Remember what I said earlier?  Once you have been diagnosed with any kind of a major medical problem, getting medical insurance with another company will be very hard and costly for that pre-existing condition.

Even if you are already insured, it is almost a normal course of events that your current insurance premiums will rise – just as soon as it becomes known you have a chronic condition.

Consequently, Starting Today, you will want to focus on a healthy and nutritious diet to maintain your body’s strength and vitality. The type of foods you put in your mouth can mean the difference between life and death in some cases.

Eating right and getting all the nutrients and vitamins your body needs can reduce the risk of many diseases. Many vitamins and minerals found in the more basic foods also promote a strong immune system A strong immune system can help keep you infection-free longer.

For example, just adding more zinc to your diet might help boost your immune system enough to prevent a bout of cold or flu.

It is a known fact that 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.

Have you been told by neighbors and friends to cut all your carbs out? Here's a gladsome message from Karen Cole-Peralta:

“You may think after all of the talk lately about carb reduction that you need to avoid eating all carbohydrates. But the exact opposite is the case. The kinds of carbohydrates you get from fruits and vegetables are a necessary basis of your daily diet. Instead of helping you “pack on the pounds,” they actually help you to burn fat. They are also a major source of fuel for your body, especially your muscles, brain and nervous system.”

You'll be doing yourself a favor to read the rest of the article.

  1. The better tone and condition your body is in the less likely you are to get sick or have weight related health issues. Consequently, you will also want to get plenty of exercise.

There, that wasn't so bad, was it?

About the author: Independently less than wealthy, Lin Stone is an author, writer and photographer living in Mena Arkansas among the gentle mountains known as Ouachita. His writing has appeared in almost one hundred magazines and Browzer Books has published seven of his books so far with more in the works.

Basics  *  Examine Your Choices  *  Explaining HMOs  *  An In-Depth Look At HMOs  *  What is a PPO?  *  Your POS Plan, In Detail  *  Smart Shopping  *  Exclusions and Limitations  *  Live Better and Save More  *  Your Bad Habits Can Kill Your Pocketbook  *  Lessons From Your Lifestyle  *  For The Working Family  *  COBRA can Save You  *  Go Overseas and SAVE a Bundle!  *  Contact the Owner of this Site  *  Explore Everything on this Site 

Read the fine print: My two lawyers say I must warn you to see a lawyer before trying any of the strategies in this book. You are my witness; I have told you. “Consult with a lawyer before you try any of these techniques.”