Ask anyone if they think that the cost of healthcare and health insurance premiums continue to rise at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases include technological advancements in the medical field, increased demand for medical services and prescription drugs, the aging of the population, cost shifting caused by the uninsured and governmental reimbursement rates, state and federal mandates, and costs associated with medical related lawsuits.
Consumers have very little control over some of the factors that contribute to the cost of healthcare. However, we have control over our lifestyle, which is somewhat related to health insurance claims. A simple formula of eating a balanced diet is to get the appropriate amount of daily exercise, which participates in annual physicals and other recommended routine care, limiting alcohol consumption, and eliminating the use of tobacco products will no doubt reduce our personal healthcare costs. As an added fact, the medical costs is reduced when the other benefits of following such a formula include more energy, self confidence, less stress, and increased productivity. If you are not doing anything, then you should consider practical ways to promote a healthy lifestyle for you and your family. For example, a good company will provide individual health insurance companies with an option offsetting 25% of the annual cost of a health club membership. Take a pleasure from taking a walk, bike ride, or going swimming promote both a healthy body and mind. If you’re one of those people who have a sweet tooth, consider limiting yourself to eating desert once a week. A healthy lifestyle promotes a healthy body.
No one can stop the rise of health insurance premiums because of the cost of healthcare rising up. What is the best way to reduce the overall cost of healthcare? Well, decreasing the need for health care is the most recommended way to reduce the cost of health care. Handling healthcare expenditures don’t necessary mean big bucks; all it takes is a healthy lifestyle choices and prudent use of the healthcare system. What can you get from a healthy lifestyle? Having a healthy lifestyle will let us enjoy our time here on earth!