Health insurance is an expensive necessity. And for some of us, life insurance is more expensive than for others. Since the late 80s, health insurance companies have been charging people with certain avoidable risk factors more than others. The logic makes sense from an insurers point of view. Those habits will cause you to develop more illnesses that doctors will have to pay for. Here are a few changes that you can make in your life to lower your blood pressure.
Lower Your Body Mass Index
One way that health insurance companies calculate your insurance premium is by your Body Mass Index or BMI. In the United States, you are considered overweight according to the United States government. If your BMI is over 30, then you are considered obese. People with BMIs over 40 are considered morbidly obese.
The higher your BMI, the more weight-related medical problems your health insurance will have to cover. Different insurance companies have different scales for raising rates according to BMI. But the general rule is that people with BMIs over 30 pay higher premiums. If you can reduce your BMI to a health number through diet and exercise, your insurance premiums may go down after your next physical.
Smoking causes a number of health problems including strokes, lung cancer and heart attacks. When an insurer takes on a smoker, they assume that they will develop one or more smoking-related health problems during their lifetime. To cover those costs, insurers charge smokers more.
One way to save on your insurance is simply to stop smoking. Switch to the patch, go under hypnosis. Try some method to get off as soon as possible. Apprise your insurance provider's doctor of the change you've made as soon as possible. It may take several years for your risk of tobacco-related illness to return to that of a non-smoker’s and just as long for your insurance premiums to go down accordingly.
Lower Your Risk of Type 2 Diabetes
People with pre or full blown Type 2 diabetes run a serious risk of incurring a surcharge on their insurance or having it canceled altogether. But they also have an opportunity to reduce that risk before it starts to affect their bank account.
Talk to a doctor or nutritionist about how to develop a healthy diet and exercise plan that will lower your risk of diabetes. In certain cases, Type 2 diabetes may even be reversed. The quicker you lower and manage your risk, the more quickly you can get rid of or avoid a surcharge on your insurance costs.
Lower Your Blood Pressure
Once you have been diagnosed with high blood pressure, your insurance premiums will always be higher than those who have never been diagnosed with high blood pressure, even if you manage to lower your blood pressure later. If you are due for an insurance physical and you know that you are at risk for high blood pressure, you can prevent putting a permanent ding on your insurance by making health changes.
To lower your blood pressure, stop smoking. Lower your salt intake to less than 1 teaspoon or 6,000 mg of salt a day -- don't forget to count the salt in packaged food -- and walk, run, bike or swim for at least 20 minutes each day. A combination of diet and exercise will quickly lower your blood pressure. Go to your local pharmacy and test your blood pressure weekly. The printout will tell you when you've reached a healthy range that won't increase your blood pressure.
Lower Your Cholesterol
Cholesterol and high blood pressure are linked to similar health problems like heart attack and stroke. If doctors discover that you have high cholesterol during your physical, your insurance premiums will go up. To avoid or lower this added expense, see a doctor as soon as possible. He or she will recommend a diet plan or possibly medication that will quickly lower your cholesterol.
This article was written by Karl Stockton on behalf of the Law Office of Rodney K. Okano. Contact Mr. Okano in the future for your legal needs.