April 04, 2011

Assignment #20

Health Insurance

I will try not to preach. This is a hot topic for me. My goal is to keep it short and to the point.

Health Insurance, any insurance, is designed to aid in the the case of a devastating event.



A promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual,company or other entity in the case of unexpected loss.
Most people today see health insurance as a discount card. The use of insurance is this manner contributes greatly to the rising cost. Just imagine how much your car ins would be if you used your ins card to get new tires, have an oil change or tune up.

The first step to saving on health insurance is to downgrade your policy.  A policy without all the bells and whistles will be alot cheaper. Then raise your deductible.

If you are a healthy person/family, you also may want to consider for going a traditional policy and having a catastrophic policy alone. These also  have high deductibles. This makes a monthly policy quite affordable.

So now you ask, but what if I get sick?

Most ailments can be prevented with a healthy life style. If you do become ill, or even injured, most remedies can be done at home. Medical self reliance is something I urge everyone to research. Before a trip to the doc, spend a while on google. Read books on natural remedies and prevention.

If you do need a doctor appt, pay in cash. This gives you a wonderful advantage. Negotiating power. Find the doctor with the best price and service. Many of us are accustomed to seeing a MD, but also look into DO's. Doctors of Osteopathy. Many are less expensive and more open to holistic medicine. When I use the term holistic I think many have the wrong idea. The term is often misused and in turn many do not know the real meaning.

Holistic medicine is a system in which the whole body is considered when treating or preventing illness. Often our doctors treat a symptom and our bodies are still lacking in what caused the symptom, and the ailments return.

With the rising costs of health insurance, medical self reliance will be key. Learn about natural remedies, essential oils, and basic first aid. Not only will this save you money, but the benefits of independence will be worth it as well

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