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Wednesday, November 14, 2012
We all are aware that eating right and exercising regularly contribute to a healthier body and mind. But did you know that the better you eat and the more you exercise, the lower health care costs may become? If you eat healthier and exercise more, you will be a healthier individual, and therefore needing to use medical services less.
1. Lower premiums.
If you are healthier, you get sick and hurt less often. This means you go to the hospital/doctor/pharmacy less often and use insurance money less. You don’t need to see your doctor if, due to your healthy diet and strengthened immune system, you’re not sick. And since you’re not sick, you don’t need a prescription for antibiotics. If you’re a low-liability customer who takes care of him or herself, an insurance company may lower your premium for good behavior and less investment.
Some insurance companies are so desperate for you to practice healthy habits that they will actually pay for you to do healthy things. The new trend is for insurance companies to reimburse for gym memberships. Their reasoning is that the more you work out, the stronger you’ll be. That way, when you fall down, instead of snapping your humerus, your strong muscles will support you, and suddenly a mere $300 a year for a gym membership is less money out of their pockets than $3,000 in one month for medical treatment of a broken arm.
As if you didn’t have enough incentive to be healthy already. So go, be healthy, and pay less insurance dollars. Learn more about lowering health costs by staying healthy here.
- Key Resources
- Physical Activity
- Mental Wellness
- Health Care Consumerism
- Cost Variation
- Appropriate Emergency Room Use
- Avoid Duplicate Radiologic Testing
- Increase Generic Drug Use
- Use Independent Labs
- Healthcare Spending
- Establish a Medical Home
- Understanding Health Insurance
- Using the Health Education Benefit on Campus
- USNH Benefit Resources
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