NC Health Insurance – Preventative Healthcare Tips to Keep Premiums Low

It is an unfortunate fact that people don’t think about their health until something goes wrong. This may be partially due to the reactionary culture that has been cultivated in this country with people not doing anything until a problem becomes too big to ignore. However, it is true what they say about an ounce of prevention being worth a pound of cure. According to the Center for Disease Control (CDC) 50% of all diagnosed chronic disease are preventable. Implementing a preventative care plan can not only save your health but it can also save you money on your NC health insurance premiums.

 

The first step in reducing the cost of your premiums is to divest yourself of bad habits. If you smoke, then you should quit. Those who are carrying around a few pounds too many should make an effort to lose the weight. Chances are good that you are being charged more because of poor health habits that cause you to submit a higher rate of claims to the insurance company. If you eliminate health destroying habits, then your NC health insurance premiums will come down as well. Seek help from your primary care provider in your quest to live a healthier life.

 

As of September 23, 2010 a mandate went into effect that requires the NC health insurance companies to pay for preventative medical care. This includes routine annual screenings and vaccinations among other things. Take advantage of this and get checked out regularly. The older you get, the more important this becomes as some disease, like Alzheimer’s, is age related. When you are being seen at regular intervals, you are much more likely to catch problems in their beginning stages when they are treatable or curable. For example, some cancers can be eliminated if you catch it early enough. This beats having to go through chemotherapy at a later date.

 

Exercise and eat healthy foods to keep your immune system in top shape. If you have a healthy immune system, you are less likely to need to see a doctor because your body will be able to repair itself. Fewer doctor visits generally translate into lower health insurance premiums. In fact, if you are fairly healthy you should probably talk to an insurance agent who can help you make sure that you are not overpaying for your NC health insurance. Preventing problems before they occur is always a good strategy when it comes to life.