It’s no secret that being in good health can cause your healthcare costs to be lower, but you may not know that focusing on your health and fitness can lower your insurance rates. Many insurance companies today are rewarding their customers for practicing healthier habits. Here are a few health milestones that may lower your health insurance.
1. Join a Gym
Many insurance companies are so eager to encourage you to be healthy that they will reimburse you for the cost of a gym membership. In their reasoning, the improvements to your overall strength and cardiovascular system far outweigh the costs of an annual fitness membership. Also, on hot summer days here in the High Desert, a gym membership can provide a comfortable space to exercise.
2. Lose Weight
Healthy weight loss through fitness and a good diet can save you greatly in medical expenses, both in the short term and long term. Some health insurance companies will charge a higher premium to their customers with a BMI that is above a healthy level. Typically, a BMI of 25 is considered overweight, while 30 or above is considered obese. By losing weight, you will also lower your lifelong insurance rates, since you will be more likely to avoid many of the health complications that are associated with obesity.
3. Quit Smoking
Although the health risks of smoking are well known, many people still choose to do so. Health insurance premiums are higher for smokers. You may face penalties or even be sued for the lost premiums if the health insurance company discovers you were dishonest about your smoking status.
4. Improve Your Emotional State
Healthcare costs associated with depression can cost the insurance company big money over time, and people with a mental illness often pay higher premiums. You may not be able to change your brain’s chemistry, but by doing your part of creating a supportive, peaceful environment for yourself while taking care of your body and mind, you may be able to improve your sense of well-being.
5. Make Running a Part of Your Routine
Like many of these tips, running can help prevent conditions like diabetes, high blood pressure, or osteoporosis, which could save big on annual health expenses. A recent study published in the Journal of Physiology: London also found that running increases neuron reserves in the hippocampus, which is the area of the brain linked to learning. Having a goal, like training for a marathon, can help make running a consistent part of your weekly routine.
At Heritage Victor Valley Medical Group, we believe in encouraging our members to focus on a whole health approach, which is why we offer fitness opportunities to our members. See if we accept your insurance plan, then learn more about a membership with us today.