One of the expenses many couple have to include is health insurance. If you neglect having suitable insurance, it can not only lead to serious health consequences, but also can ruin your financial life. A visit to the ER can average $361- $1262 according Blue Cross Blue Shield of North Carolina. In Florida an emergency room visit can be just under $1900!
Here are a few tips on how to cut your health car expenses.
Check Online to Find and Buy Health Insurance
E-healthinsurance is a site that allows you to compare prices of different policies. Keep in mind while you are no doubt looking at the price; don’t let that be you’re only guide. If you’re paying a low price, but get nothing in return, then you’re losing money. Look at the deductibles and co pays.
As with every other policy, please read the fine print and ask questions.
Habits to Develop to Lower Health Costs
- Quit Smoking:This habit can cut your life short and it has been linked to other health problems. This in turn leads to higher costs.
- Exercise regularly: Try being active 3x a week for at least 20 minutes. You may also want to consider participating in an amateur sports league to get yourself committed to a routine.
- Watch what you eat: Obesity can increase your chances of diabetes, heart disease, and joint problems.
- Get a hobby: Hobbies can reduce the stress that you feel. That in turn can help your mental health and enrich your life.
- Go for generic drugs when possible: Some drugs are available in generic form at less than half the cost.
- Do routine exams: It’s better to catch something early than to wait until it develops into something worse.
- Try health clinics: If you’re pinching pennies, this could be a good option. With my health insurance, I pay $30 a month for birth control pills. By going to the university health clinic, I pay $40 for 3 months’ supply. I save $240/year just by doing that.
Please talk to your doctor before you go on a diet or change medications.
Try to maintain a healthy lifestyle and it’ll reap dividends beyond money saved. It’s amazing how much health insurances charge even if you’re in good health.
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