Prevention - the Best Health Savings

Many people, especially those without insurance, will wait until they are sick before they see a physician. Certainly, it is expensive to schedule an annual appointment: the physicians visit, the laboratory tests, the follow-up visit and perhaps more tests. One must have time and money and most individuals will opt not to go until they feel sick. Unfortunately, there are some secret killers such as heart disease, high blood pressure and diabetes, to name a few. Most of these illnesses can be diagnose by yourself; no doctors appointment needed. Almost all the large grocery stores, discount clubs and pharmacies have a blood pressure cuff. Heart disease indicators, glucose, PSA, thyroid and others issues can be measured without a doctors appointment by ordering your own blood tests online. The tests are inexpensive and then you can see a physician if you have any indicators out of range. Money well spent. See my other posting to get the online lab site and you can save $$ and take control of your own preventative health care: www.HealthOneLabs.com

High Deductible Health Care Premiums

Inadvertantly, I was calling to get some marketing information and I ended up talking to a salesperson about health care premiums. He was a broker that handled many insurance companies and suggested I let him give me a quote for a new company in the health insurance industry. I am currently paying $320/month for a family of five which includes a dental rider. Note that this is a high deductible plan, so must of my health care costs are out-of-pocket and I primarily have this for catastrophic health events. I do have a Health Savings Account (HSA), so I can pay for all qualified health care expenses through my tax-free account that I fund annually. I will share any monthly savings once I get a new quote from the new insurance company.