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Having the Right Amount of Auto Insurance Coverage
Maybe you have auto insurance coverage now but do you ever wonder if it's enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you...
Life Insurance Explained
In the world today money is the most essential necessity of an
individual's life. It is almost impossible to dwell without
money. This is why a person tries to earn maximum possible
during his lifetime to provide a decent living to himself...
Low Cost Life Insurance
Finding low cost life insurance need not be a complex process. The life insurance market in the UK is extremely cost competitive, with a glut of cost orientated life insurance companies keeping the cost of life insurance at record low levels....
Medical Insurance Overseas
Thousands of people have work related commitments and in order to fulfill those commitments they have to travel abroad. Have you ever realized that most of the insurance company’s provide only domestic medical coverage? So, whenever you are leaving...
The importance of getting more than one home insurance quote
If your household insurance policy is coming up to renewal, don't automatically accept that your current insurer is offering you the best deal there is. The truth is, you could save money simply by shopping around and getting more than one home...
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Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.
These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.
The basic answer is that a magic bullet to solve the cost of insurance does not exist because the real difficulty is controlling the cost of healthcare. A simple way to dramatically decrease the dollars spent on healthcare is to reduce the demand for healthcare.
I have seen estimates that up to 40% of all healthcare related expenses result from preventable conditions. These preventable conditions are caused by lifestyle choices such as tobacco, obesity, stress, lack of exercise and poor diet.
Most of us, myself included, make lifestyle
choices everyday that eventually increase our demand for healthcare. We are never going to be able to totally eliminate all lifestyle related healthcare costs. However, improved lifestyle choices would cause a dramatic reduction in demand. This would then result in a similar reduction in the dollars spent on healthcare.
Lower demand for healthcare would result in lower health insurance costs, increased productivity, and reduced absenteeism. If your organization has not done so already, your organizational leaders need to seriously consider the benefits of health promotion and disease prevention programs. Your return on investment will most likely be as high as 2:1 in the first year.
About the Author
Michael Ertel is the founder of http://www.MedicalInsuranceNow.com which is a website that assists individuals and small business owners by providing side by side comparisons of health insurance alternatives.
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