Articles & News About Health

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.

Michael Ertel is the President of Ertel & Company, Inc. and has over 15 years of experience in the health insurance business. He is the founder of MedicalInsuranceNow.com which is an internet based service that assists individuals, families, and small business owners by providing side by side comparisons of health insurance alternatives and the convenience of applying for health coverage online.

Other Article Sites

findabook.com  moneycd.info  a-mortgage.info   about-lemon-laws.info  aboutstudentloans.info
all-about-publishing.info  auctions-articles.info  bestcollege-university.com  bestispconnection.com
biblefolder.com  blogger-website.com  books-used.info  brokers-guide.info  buywindows.info  cable-dsl.info
career-miner.com  carpel-tunnel.info  cashinaflash.info  cashloanreviews.info  casinobell.com  chat-house.info
clearmycredit.info  collegeloantips.info  crones.info  depression-articles.info   dirnic.net  dishguides.info
divers-below.com  expodog.info   financewizz.com  fire-insurance.info  getgood.info  handleit.net   it-idea.info
health-supplies.info  hosting-right.com  insidealert.com  insurance-facts.info  jobs-employment.info
justgood.info  lookgold.net   lowcost-travel.info  money-source.info  myhostzone.info  numisblog.com
peoplesearchfinder.info  pr-articles.info  realeas.com   refinancing-guides.info  spyware-remove.info
telelot.info  the-law.info   toppaid.info  travel-deals.info  travelcorrect.com  wedding-guide-site.com
your-blog.info  your-credit.info

Hormel Health Labs Launches Health Food Website for Seniors
For the seven million elderly Americans receiving home-based medical care, staying healthy just became easier. Hormel Health Labs, one of the nation's leading providers of nutritional products geared towards seniors, has announced the launch of its new ecommerce website, www.homecarenutrition.com . The new site makes it easy for caregivers to order essential, healthy products to improve the lives of their loved ones.

Health Care Insurance in Texas ý Managed Care Health Plans
A managed care health plan works as a network It is a group of medical personnel and facilities that have a contract with this particular plan

Men's Prostate Health Vitamins - Supplements, Diet and Exercise For Good Health
This article is about prostate health vitamins or supplements used in conjunction with proper diet and regular exercise to keep a man's urinary system and sexual functions healthy.

Vitamin Diet Patch Now Available for Health Food Stores from NAZCO Wholesale Herbal Supplement Dropshipper
Health food supplement diet patches are a blend of herbal nutrients, offering safe and effective weight loss diet application like a nicotine diet patch. The supplements diet patch allows the herbal formula on the diet patch to enter directly into the bloodstream, suppressing appetite between meals while providing weight loss, diabetes and chronic fatigue relief support and increased energy level on the go.

Health Care - If You Love Health Care
All about Health Care: Intended For Individuals

Natural Health Care and Holistic Dog Health
Holistic dog health care has emerged as a natural way for pet owners to ensure that their dogs are healthy, living long, happy lives well into old age. Perhaps the most important aspect for a dog's health would be a unique blend of vitamins, minerals, and other nutrients to make sure the joints, organs, and digestive systems make work in harmony as well with the skin and coat being healthy. A diet of meat, vegetables, and whole grains without any processed foods or unnecessary fillers is usually recommended when following the holistic approach to dog care.

Doctor-led Health Care Organization Offers Free Web site, Membership to Mental Health Counselors
The International Assoc. of Dental and Medical Disciplines has a health care plan that brings together all medical disciplines and calls for them to work together to provide the best possible whole-body care.

St. George Complimentary Alternative Health Care Offers Free Wellness Scans During Focus on Nutrition Month
The desire to get healthy and stay healthy is the primary reason more and more people are turning to natural health care, or complementary and alternative medicine, according to this St. George Hinkle practices alternative medicine utilizing personalized biofeedback using ZYTO technology, nutraceutical assessments, medical foods, bio-identical hormone evaluation, chelation, lifestyle changes, and body composition analysis.

Baby Health Care, Child Health Tips, Parenting Guide, Baby Strollers, Massage
Parenting Guide

The PIE Diet - Mental Health Food
"The PIE Diet - Mental Health Food" reveals an award-winning program for individual growth, which has previously been available only to the corporate world. It outlines necessary action-steps to make the "law of attraction" work for, and not against, individuals and corporations. Contained is a easy step-by-step process for conditioning the subconscious mind to both envision and enable control of who we are, what we do, and what we desire to achieve with our lives.

Texas Health Insurance ý Managed Care Health Plans
Managed care health plans work as a network or group of medical professionals and hospitals that are contracted with the health plan This helps insurance companies and health care providers work together to give patients the care they need

Health Care and Health Insurance Costs Can Be Controlled Through Lifestyle Choices
As you probably know all to well, the cost of healthcare and health insurance premiums continue to increase at levels substantially above the general inflation rate. The reasons given for these extraordinary cost increases are numerous and include: technological advancements in the medical field, increased demand for medical services and prescription drugs, the aging of the population, cost shifting caused by the uninsured and governmental reimbursement rates, state and federal mandates, and costs associated with medical related lawsuits.

Health Care Proxies, Advanced Health Care Directives, And Living Wills
Any competent adult has the right to accept and/or refuse any medical treatment. Nobody disputes that. Doctors are only allowed to tell patients the pros and cons of treatment, they can offer advice, they can not order a patient to accept treatment. Problems start when the adult can no longer communicate or is no longer considered mentally competent enough to make their own decisions. When this happens other people step in and try to decide what type of medical treatment the person would want for themselves.

A Diet Primer For Health Food And Vitamins
Quite often, we want to eat healthier but don?t know exactly how to start. Sometimes food you think might be good may in fact not be right for you, and vice-versa. This article looks at some simple diet changes you can start to make right away that will improve your overall health.