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How To Save Money on Medical Bills

Your health is an important part of living a long life, but it’s also important for day to day well being. However, it seems like it can be difficult to get out from under health problems both major and minor and the high costs associated with medical treatment. To stay taken care of without breaking the bank, you’ll need to make smarter decisions. Here’s what you need to know.


Insurance is a complicated affair. While insurance is conceptually good, it’s ultimately the lesser of two evils. It can save you money on medical treatment in exchange for regular, smaller payments. Avoiding insurance isn’t recommended, because that ability to receive medical attention is something you can’t afford to do without. While the strategy of never getting sick or injured is a noble one, it’s also impossible to ensure that you’re 100% healthy 100% of the time. However, not all insurance policies are created equal, and comparing insurance quotes can help you achieve the kind of coverage you and your family need at a fraction of the monthly cost. 

Medical coverage differs widely from one policy to another and from one brand to the next, but there are also some flat out exemptions from standard medical insurance. Dental and vision insurance must be paid for separately. Dental insurance is an absolute must due to the fragile and permanent nature of adult teeth, but you might luck out and have no need for vision coverage. The most important thing is that your needs are covered, whatever they happen to be.

Preventative Measures

While never getting sick is an impossible dream, trying to stay as healthy as possible can dramatically reduce your need for medical attention, and that translates to saving money. There are many ways that you reduce the likelihood of getting ill or injured, and each of them are important for a healthy lifestyle.


The foundation of a healthy lifestyle is the diet. They say you are what you eat, and what you eat truly does constitute what you’re capable of. Your body needs certain vitamins and nutrients to function, and it will therefore start to ail as the result of a poor diet. This is important to your physical and mental health alike. For example, vitamin D is important for mood regulation, while vitamin C is an essential component of the immune system. There is further overlap between the mental and the physical when you consider the nature of mental illness in dampening the immune system. Protein and carbohydrates are two of the most important nutrients your body needs, and failing to get adequate amounts will leave you unprepared for physical activity, and this can result in injuries.


Part of the reason that a healthy diet matters is that it fuels healthy workouts. To keep the body in shape, you’ll need to engage in regular exercise and be equipped to recover from the physical stress of a rigorous workout. It’s recommended that you get 3-5 hours of exercise each week to achieve a basic level of fitness, and the types of exercise you do are also important. Simply put, each of the major muscle groups need to be given ample attention to make sure that there are no issues. Specific athletic or labor needs might necessitate more strength and other specialized training, but the average person needs to worry primarily about balance.


Last, but not least, is sleep. While good sleep habits are often left by the wayside in favor of more time for work or recreation, a good sleeping schedule is essential for staying in prime form. For one thing, a lack of sleep can result in fatigue that will impact your ability to get things done and can lead to weakness and injuries. 7-9 hours of sleep is recommended each night, but the time of day at which you go to sleep at night and wake up in the morning should be as consistent as possible. Without consistently, your body’s internal clock will work against you, leading to restless nights of sleep or insomnia.

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