Three Steps to Save More Money on Health CareWe all need health care – well, most of us do, anyway. But none of us like to spend much of our hard earned money on that. Health costs are expensive, and we’d much rather spend our cash on our home, on our family, on things we can enjoy. How to save more money on health care? Well, here are three steps.
First, get yourself healthier! I know, this may look too common sense to make it worth writing down here-but it is really the key. If you have an active lifestyle and a good, nutritious diet, you are setting yourself up to pay much, much less on health care than someone who is a couch potato and lives on junk food.
There are two aspects of this. First, you will simply need less health care. If your diet includes plenty of calcium, for example, and you get enough vitamin D to allow your body to make use of it, you can fall down the stairs, get up, and go about your business. If your diet is low in calcium, though-maybe you prefer cola instead of milk as a regular drink-a fall down the stairs is likely to mean a trip to the hospital, a cast on your arm or leg, and a monstrous bill.
The second aspect has to do with your health insurance. Insurance providers look at you and your general health when they give you health insurance quotes. If you want affordable health insurance, you should be as healthy as possible. Pre-existing conditions is a nasty word that makes the price given for health insurance quotes skyrocket and the benefits sink somewhere lower than Mordor. With a healthy lifestyle, you’ll have far fewer pre-exisisting conditions than if you threw your health to the birds and partied your way through life.
So, the first step is to get yourself healthier by choosing a healthier lifestyle. What is the second? Preventative care. Saving a dime to spend a dollar is what many of us do when it comes to medical expenses. If there’s a medical procedure you really should have done, just go get it done. It’s better to pay the fees for this now than to pay the enormous fees you’ll have to pay if you let the problem grow before it’s taken care of.
The third step you can take in order to save money on health care is to do your research before choosing an insurance provider. Get health insurance quotes from a variety of places if you really want affordable health insurance. Make sure you give the insurance provider all relevant information when asking them to generate health insurance quotes, and then, when you’ve got data from quite a few places, compare them. Compare not only the insurance quotes, but also the benefits that each provider is offering-benefits for day to day preventative care as well as benefits in an expensive emergency. A careful analysis of this information will help you get the most affordable health insurance for your personal situation, and affordable health insurance will help you bring your health bills down.