The Dow may have fallen in the largest single drop in 20 years, and home prices are continuing their downward spiral, but at least you have your health - right?
According to a Kaiser Survey, as reported in the Wall Street Journal, the annual cost of an average family health plan rose to
$12,680 this year, more than double the $5,791 it cost in 1999. Workers' annual contributions to those
premiums have also more than doubled, to $3,354 in 2008 from $1,543 in
1999. What's more, employees are taking on an increasingly greater share
of health-care spending beyond premiums. The biggest shift in costs has
come in the form of rising deductibles. About 18% of all workers with
some kind of health coverage face deductibles of at least $1,000, up
from 12% in 2007.
The trend is very clear to see. Companies are increasing the consumer out-of--pocket and providing less and less coverage, because they cannot afford it.
Unlike the falling stock market, or the housing market, you can actually do something about health care costs. There are so simple things that you can do for you and your family's health that can make a dramatic difference to how much you spend each month on health-care. Here's a list of the Top Five things you can do now.
1 Assess your current health state. Go and visit a Naturopathic Doctor and have them perform toxicology and blood and urine tests. Together with your doctor, you will be able to eliminate toxins that have accumulated in your body, and work on a diet and detoxification plan that will be personalized for your metabolic type. Eliminating toxins, and ensuring that your diet supplies the necessary nutrients in a controlled tested environment is the single best thing you can do to improve your health and prevent disease.
2 If you are in good health consider taking out a "Catastrophic"
or "major medical" plans. These plans basically pay out only in the event you need major hospital stays, surgery, intensive care,
diagnostic, X-ray and lab tests, and have a high deductible. You
pay a much reduced monthly rate, and will typically have to pay for
doctors visitors out-of-pocket. This type of policy makes sense if you
are in good health, exercise, take care of yourself and have a great
diet and no medical problems. Think about it like this. If you are a careful driver, with no claims over 15 years, would you expect to pay the same as a 20 year-old boy racer with a string of accidents who pays no attention or respect to other road users?
3 Use http://www.smarthealthbuyer.com to find the best practitioners in your area. Read the reviews, look up their experience and choose your provider.
4 Buy the best food you can. Eat as much raw food as you can. Save money and avoid most restaurant food.
5 Excercise, excercise, excercise. Your body and your mind will thank you for it first, your wallet second!