Consider what could https://www.virtualassistantnederland.co/ mhappen if you suddenly came down with a severe illness or suffered a catastrophic accident. Within a matter of days you could incur hospital and doctors’ bills in the tens of thousands, even hundreds of thousands of dollars. Without insurance your home could be taken from you, your bank account could be drained, and any other assets you own could be wiped away – all in the blink of an eye.
And yet, for over 50% of the people in West Virginia the cost of health insurance is reported to be a severe financial hardship and fully 16% of the people of West Virginia can’t afford health insurance at all.
While we wait for relief it is vital that we find ways of reducing the cost of health insurance ourselves. Purchasing health insurance online is, perhaps, part of the answer since online health insurance generally costs less than health insurance purchased from a brick and mortar business. But simply jumping online with no clear idea of how to lower the cost of health insurance will not solve the problem. We need something more. We need ways of reducing costs initially so that the additional savings we get from purchasing our insurance online can have a real meaning.
Fortunately there are steps that you can take that will help reduce the cost of your health insurance even before you get online.
For example, start by eating a healthy diet and getting some exercise. Yes, this means cutting way, way down on fast food and fried foods and it means eating more fruits and vegetables and it means walking or riding a bike three or four times a week.
It also means that you will have to stop smoking and using chew if you are serious about getting cheap health insurance online or anywhere else in West Virginia.
Your weight is also a factor when looking for cheap health insurance. A portion of your health insurance premium is based on your BMI, or Body Mass Index. The less your BMI the lower your health insurance premium each month. The one ray of sunshine is that if you are able to lose even a few pounds it’s possible that you could move down on the insurance company’s BMI chart – and if you move down even one level you could, potentially, save hundreds of dollars each year on your health insurance.
Join a group health plan. A group health plan may not be as concerned about smoking and BMI as an individual health plan. If your place of work doesn’t offer group health insurance consider any groups, clubs, organizations or associations that you or any member of your family or any friends belong to. If you find a club or organization that offers its members group health consider it seriously.
Join an HMO or a PPO. These are forms of group health insurance that are somewhat less expensive than many other health insurance plans, but HMOs especially limit the doctors that you can see, so unless your current doctor is a member of the HMO that you join, there’s a very good chance you will need to change doctors.