Eating Healthy May Save You Money on Health Insurance

Eating Healthy May Save You Money on Health Insurance

Eating healthy is the best way to keep your immune system in its top shape. Having your immune system up and running means your body will be very healthy and strong against many viruses and diseases. Having your body strong and healthy may lower your insurance costs.

What? Is that true? Yep, it’s true, eating healthy may save you money on health insurance. Actually these kind of savings have been in effect in health insurance industry for quiet a while now.

There are special programs available through some insurance companies where you can get credit for having a healthy lifestyle. Is having a health credit legal? Yes, it is. The HIPAA (Health Insurance Portability and Accountability Act) does contain some guidelines against imposing different deductibles and premiums based on someone’s health situation. But the United Healthcare applied a Vital Measures program which uses a high deductible health care plan together with a fully insured supplemental plan that can reimburse the co-payments or deductibles which suppose to be exempt from HIPAA. Continue reading

Higher Health Insurance For Smokers

Higher Health Insurance For Smokers

According to a survey which was taken on November in 2006 the majority of Americans think that smokers and the obese people should be paying more for their health insurance policies. At the same time, the people who were surveyed didn’t know how to assist the millions of American citizens who currently have no health insurance.

The total number of surveyed people was more than 1,500, and 80% of them believed that the current American health care system should be improved. In 2006 it was estimated that about 46 million people in America had no health insurance. Furthermore that study indicated that 60% of those surveyed people specified favoring elevated insurance premiums for people who smoke. Also, 30% of them preferred higher insurance premiums for the obese people in the US.

In 2006 the health insurance industry surprisingly started supporting universal health insurance plan for American citizens. The rate of uninsured Americans is still rising while the prices for health care and prescription drugs are dramatically escalating. Continue reading

Advice For Health Insurance

Advice For Health Insurance

Having insurance is one of the necessities in life; and one of the more important is health insurance. Unfortunately, many people do not have one. The risks of not having insurance can be great, as several experts attribute increase in bankruptcies directly to costs of healthcare. But, before you ask for health insurance quotes, let’s consider the following advice for health insurance:

- Do research and comparison of insurance providers
Use the internet to review insurance carriers. Check out their track record. Referrals can also help in researching. By doing these things, you can have a better understanding of the insurance quotes you will receive. Continue reading

3 Popular Types Of Health Insurance

3 Popular Types Of Health Insurance

Shopping for a Health Insurance can sometimes be very difficult. People usually ask which type of Health Insurance is better, or if they are qualified to get the one they want to get. Also, knowing what’s more affordable and more beneficial can save you lots of headaches. In this article I’ll try to explain the 3 popular types of Health Insurance which people should know about.

- State-Sponsored Health Insurance. This is a very valuable Health Insurance for the low-income families, or for those who are unemployed, or for the employees who don’t benefit from a group plan and senior citizens. State-sponsored health insurance plans include Medicare and Medicaid. Pretty much these plans accommodate the limited-income individuals and families. Below are some of the benefits of the state-sponsored health insurance:

- Either Free or the cheapest insurance option there is
– Doesn’t depend on the pre-existing health issues
– Decreases out-of-pocket costs over some period of time Continue reading