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Saturday, May 23, 2009

Health Care Insurance -- More Ways To Huge Savings

By Chimezirim Odimba

If you must attract big discounts, then you must NOT forget certain things. Here are some of such things...

1. There is a special type of savings account known as the Flexible Spending Account. It is a kind of savings account where you can put tax-free dollars for your health needs. Any money not used could be rolled over into the succeeding year (still tax free). With this account you can eventually have a reasonable amount to meet your health care needs.

2. Your co-pay can be more than your drug cost in a number of situations. It may also not be less expensive for you to buy a prescription out of the pocket (without using insurance). In such instances, you will save more by choosing the options that offer you more savings.

Do you best to find out the difference before you use your insurance.

3. You'll also get a lower rate if you pursue a healthy routine. For example, your rate will be lower with time if you avoid junk food. It will benefit you to stick to the right diet for you if you desire a healthy life and inexpensive premiums.

Similarly, you will be healthier and so have to visit the doctor less if you committedly exercise up to 30 minutes daily.

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4. Your health insurance plan may already offer you up to two free visits to a doctor for medical check ups.



It results in savings because the cost of treating diseases in their mild stages is much less than treating full blown ailments. It costs your insurer less to do this than to treat ailments when they'll cost a lot more.

5. You can reduce your rates by staying away from alcoholic beverages. Drinking increases your health risk.

You well know that many diseases can be traced to heavy drinking.

What quantity of alcohol can you take without dire consequences? I cannot advise you on that since I'm not an expert on such issues.

But here's what I'm sure of: Quitting alcohol totally will do you a world of good. For people who cannot stay away completely, endeavor to drink in moderation.

It is just that for most people drinking in moderation is even more tasking than staying away completely. You can be assisted if you truly want to stop drinking.

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