An Approach To Cutting Down Your Health Care Costs

diminishing-healthcare-costs
Editor's Note: This article has been recently updated with latest information and research studies.
 

Be Sure To Think Outside The Box

There are many strategies which help you reduce* the costs of healthcare personally. Healthcare.com offers these tips [1]; and it’s easy to see why they are being used—according to the site, “…annual out-of-pocket costs for Americans in the workforce have increased by nearly 230 percent in the past decade.”

That means if you paid $3,000 in a year for healthcare before the hike, now you’re at $6,900. These are conservative figures; the reality is often in the tens of thousands, and it really is not affordable in any sense of the word.

Insurance costs are exceptional, and mandatory healthcare requirements have only expanded the issue.

While you could go off-grid, sell your house, launder your assets, and live in an RV for the rest of your life, technically drawing too low a salary to be penalized for healthcare in a tax sense, that’s not really feasible.

A better* approach is to leverage healthcare provision solutions against one another, do your homework, and find the best discounts.

Ask your doctors what kind of financing options are available. If you are on the lower end of the income bracket, you could be eligible for certain exemptions; or even an indigent medical card which outsources payment through a government agency.

One Step Ahead Of The Game

One Step Ahead Of The Game

But an even better* option is to get ahead of common issues. Cut out artificial foods and preservatives. Eat fresh and healthy fruits, vegetables, meats, bread, and dairy. Exercise regularly.

Avoid smoking, drinking, and substance abuse. Avoid adverse sensual pursuits. Get on a regular sleep cycle, and involve yourself in the community.

This isn’t something you’re likely to hear in most advice columns, but there is a sort of holistic component to healthcare that works like this: you get what you give. What goes around comes around. It turns out there’s some science to this. A giving heart is good for your physical and mental well-being [2].

You’ve heard it said that giving is better* than getting. Well, if you’re someone who cares for others, that takes work and willpower, it will likely take physical and mental exertion, and in the end, you will see something positive come about as a result of your action. Ultimately, your brain starts to release the dopamine.

You can test this for yourself, just think back to how you felt the last time you did something truly good for someone else. Or remember this old saying: laughter is the best medicine. To laugh, your “heart” must be merry.

The core of you. Without getting into eastern philosophies of alignment and vibrations, being centered in a good place is healthy.

One vital piece of advice is to strive for peace of mind, and one of the best ways to do that is to strive for fulfillment. Striving for fulfillment is often best accomplished by serving others.

For laughter to be genuine, the mind and body must be without stresses known to undermine the peace of mind. Being at odds with others is stressful.

The Employment Angle

The Employment Angle

Another good way to curtail healthcare related expenses is occupational: find a job which provides* you some kind of health care package. This can end up being a mixed blessing, however.

For example, there are many occupations which provide full healthcare coverage, but they’re not likely to be as mentally fulfilling as something you love.

It’s worth noting that mental dissatisfaction definitely leads to some of the worst health difficulties. People try to assuage how they feel with substances and activities that aren’t necessarily conducive to positive health.

If you’re getting involved in an occupation solely for the health coverage, you could be putting yourself in jeopardy.

Still, you may find that certain occupations are actually conducive to your particular skillset, and provide good health care coverage. Also, sometimes the most dangerous jobs offer the best coverage and hours.

For example, there are certain mining jobs in places like Wyoming which offer great scheduling and coverage: two weeks on, two off.

When you only have to work half the month, this makes it possible for you to pursue that which you truly enjoy, and so offset the unavoidable difficulty which comes with certain jobs. You can spend two weeks out on the job-site, then spend another two weeks working with your band, or writing, or painting, or hiking, or surfing–whatever suits you.

Feeding Your Core

Feeding Your Core

Again it must be emphasized that part of the key to avoiding healthcare costs is avoiding the need for medical solutions altogether. Remember that mankind didn’t always have hospitals to help when things became compromising.

It’s good we have them now, but survival was still possible without them.

Granted, until recent times, that survival may have been only thirty or forty years. Still, there are ancient societies who had a history of longevity.

Many eastern cultures living under such principles today have community members who regularly reach 100 years of age or greater [3], and they don’t rely on modern medicine. How is this possible? A proper alignment of mental and physical effort.

Call it will, call it personality, call it spirit–whatever you call it, recognize that each individual has a core to them which is best suited doing something in natural alignment to that center.

Fulfillment In Your Community

Fulfillment In Your Community

Something core to most people is their community. Even if you aren’t deliberately passionate about helping out, you may find that doing so moves you in a certain way. It could be the interaction, it could be remaining busy–you’re always getting somewhere.

Either way, working with others often reduces* stress, which is conducive to health.

On that note: when it comes to stress, you want to reduce* the negative kind. Telomerase is an element of your DNA that acts kind of like the tape on the end of a shoelace.

Telomerase keeps genetic coding together, but erodes over time, and this contributes to the aging process. Do you know what diminishes* telomerase, compromising your body? Stress! (And here are some tips to help you manage stress [4].)

Being involved in a community and helping out not only helps diminish* stress through meaningful activity, it plugs you into a group that may help you when you can’t afford to help yourself.

The bottom line is: if you want to have the best healthcare, take care of your health proactively—feeding your core is a good way to do that, as is taking care of others.

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Author

Expert Author : Wendy Dessler (Consumer Health Digest)

Wendy is a super-connector with Outreachmama who helps businesses find their audience online through outreach, partnerships, and networking. She frequently writes about the latest advancements in digital marketing and focuses her efforts on developing customized blogger outreach plans depending on the industry and competition. She is also a regular contributor to Corpina, a website specialized in smart drugs, Healthcare.com, and online healthcare company, and My Seed Needs, supplier for home gardeners.