Reduce Your Out-Of-Pocket Health Cost

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Reduce Your Out-Of-Pocket Health Cost

 

Health care is a serious issue in the United States. All of us must face it. Whether we are 25 or 65, illness and injury is a possibility. Everyone in the United States must carry health insurance. That is the law. The problem is, not everyone in the United States can afford to carry insurance. This is why we hear about healthcare reform every time we turn on the evening news. The Best Medical Insurance Plan Is The Unused Plan

 

Most young people have health insurance at an affordable rate through their jobs. If they do not have jobs, they usually qualify for the government to help pay for their insurance so, it’s not a big issue.

 

Most young people are healthy and rarely use their insurance, so that makes it easy for them. But what about their parents and grandparents?

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When an American citizen reaches the age of 65, they qualify for Medicare. Young people give this little thought. Most think the elderly get free healthcare. That is wrong. Medicare comes in 4 plans, Parts A, B, C, & D.

 

Medicare Part A pays for hospital bills when you are admitted. Part B pays for most (or a portion of) doctor visits. Part C (Healthcare Advantage) is where you can buy private insurance to take care of more of your medical expenses, using the dollars you are already paying for Parts A & B. Part D is prescription coverage. The only part of this that is free is part A and you actually have to be admitted to use it. Here is more info on part c, www.healthmarkets.com/resources/medicare/what-is-medicare-part-c

 

They Are Working On It

The government is working on this. So far there is no help in the near future. The state governments are working on it and that has added increases to the plans in some states of 57%. So while they are working on it, what are we to do?

 

What we can do to reduce out-of-pocket cost

The first thing you can do is to select your insurance options carefully. Consult an agent and be sure the plan fits your needs. If you go only by lowest up front cost, you will be in trouble if you get seriously ill.

 

But the most important thing you can do is get healthy. Be Pro-active.

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Get Serious and Get Healthy

The best way to save money on your insurance is not to need your insurance, Go for your checkup, and listen to what the doctor says. Get out of your chair (if you can) and start walking, Stop eating foods that are not good for you. Put down the coffee cup and raise a bottle of water to your lips. If you need help, ask for it. Team up with your friends and find a way to get active. Try water aerobics. Get your blood sugar under control. Learn to do what it takes to live a healthy life and live it!

 

Obesity is a problem in the United States, and obese parents are raising obese children. Smoking is still a major concern for teenagers. More kids are drinking alcohol and trying drugs than ever before. It is time for parents to act like parents. It is time for all of us to take care of our bodies.

 

Eventually, there will be a health insurance solution, but there will never be a solution that is better than having, and maintaining good health. So while they are working on how to put us back together, why don’t we work on staying fit now. It will cost less and we will be a lot better off.

 

 

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