Depending on where in the country you live, a family health insurance plan can cost as much as $800-$1000 per month. Even when you split that cost between employee and employer, that's a major chunk of nearly anyone's monthly budget. And while it's popular to swear under your breath at the greed of the health insurance industry, a look at the cost of medical care is an eye-opening shock for many people. The expenses associated with a broken arm, for instance, can easily mount into several thousands of dollars.
The Health Industry has a stake in keeping people healthy. The high cost of health insurance is the direct result of the high cost of medical care. It's a simple matter of economics. The more it costs to take care of each subscriber, the more the insurance companies have to charge all their subscribers. This cost/expense ratio is what has made most insurance companies embrace the idea of providing preventive care to their subscribers. It's a simple matter of business sense - healthy people don't cost the insurance companies a lot of money.
Accidents may be the first type of medical need that springs to mind when people consider buying health insurance, the major insurance companies all agree that accidents aren't the major cost drain on medical resources. That place is reserved for chronic illnesses like diabetes, heart disease, cancer and high blood pressure. Because of this, it makes good business sense for major players in the insurance industry to encourage their subscribers to adopt preventive health strategies. That pays off in special benefits for health conscious consumers.
You pay for it - you should certainly get the most possible benefit from your health plan. Here are some suggestions for ways that you can make your insurance plan work for you:
* Join a gym. Check the benefits that your HMO or health insurer offers. Chances are good that one of them is a discount good on membership at a local gym or health club.
* Lose weight. Take advantage of nutritional counseling and memberships in weight loss support groups to get down to your ideal weight. Many insurance plans offer a lower tier cost for subscribers who are at healthy weights.
* Quit smoking. Non-smokers are another group that often enjoy lower insurance premiums. Many HMOs and health providers offer free smoking cessation programs to help you get smoke free and healthy.
* Attend medical screenings and health fairs. Many insurance providers sponsor 'wellness fairs' where you can have your blood pressure tested, get free medical screenings and learn about alternative medical techniques like massage therapy, acupuncture and yoga. Take advantage of special events to learn more and get healthy.
Online Pharmacy provides the access to health information and prescription medications.
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