Lowering Your Health Insurance Bill
A health insurance policy is one of the most important tools to have if you want to live a long life. The easy and affordable access to preventative treatment that health insurance gives is vital to the early detection of many curable and treatable diseases. Health insurance also grants the ability to get emergency treatment after an accident or serious illness which can help stave off infection and complications that result in overall health deterioration.
One of the best things about health insurance is that you can adjust how much you spend on healthcare costs by taking a few specific steps, such as:
o Eating healthy: A nutritious, well-balanced diet can help improve your health while reducing your likelihood of getting certain diseases.
o Exercising: Like a good diet, exercise can help keep your health and weight in check.
o Taking your medications: Your prescription medication is meant to help your body’s fight for wellness. It can improve your health and make your blood tests and diagnostic numbers look better than they otherwise would.
o Getting screened: Early detection of potential health problems can lead to early treatment—which can make the difference between life and death for some patients.
Not only do the above steps help your health, they also help to:
- Reduce your health insurance premiums: When the underwriters of your insurance policy look at your health history, they will see more positive information if you take the above steps than they would if you did not. This may allow you to fall under a less expensive premium category than you otherwise would.
- Reduce your out-of-pocket expenses: If you choose a policy with a deductible, then you have a potentially steep self-insurance responsibility. The healthier you are, and the earlier you detect health problems, the less money you may need to spend on medical treatments within your deductible.
- Continue your insurability: You have a better chance of remaining insurable if you keep your health in check. Without insurability, you could be required to pay all of your medical treatment costs out-of-pocket and without the benefit of insurer negotiated prices.
Your health is the most important asset that you have and protecting it with affordable health insurance is like icing on the cake when you also focus on preserving it through exercise, eating healthy, taking medications and early screening. If you’re curious about health insurance rates and how affordable a policy can be for you and your family, contact us and we’ll work through your options with you.
Contact us at (979) 268-1500 for a free Texas Health Insurance quote or visit our office.