Alcohol Consumption and Cheap Medical Insurance Don't Mix
Finding cheap medical insurance requires a variety of things, one of which is good health. Good health is built in large part by good habits and health insurance companies rate their customers on their health as well as their habits. For instance, if you are a smoker, you can expect to pay much higher premiums. Excessive alcohol consumption doesn't mix so well with cheap health insurance either. While it is not as bad as smoking, excessive alcohol consumption can cause a hike in your health insurance premiums.
Why Alcohol Consumption Makes Cheap Medical Insurance TougherThe reason for alcohol consumption being a higher risk factor for those seeking health insurance is pretty clear. There are many medical conditions that are caused by or aggravated by excessive alcohol consumption. Health issues related to liver problems are the most common, but there are others. There is growing evidence in support of alcohol as a contributing factor is several types of cancers, specifically mouth, throat, bowel, breast and, of course, liver cancer.
Cheap Medical Insurance Under False Pretenses Can Lead to Refusal of BenefitsAn important thing to keep in mind is that you will probably be asked at some point by your health insurance provider about your alcohol consumption. The temptation is there to not tell the whole truth, but you must. If you are not forthcoming about your alcohol consumption, then you could face non-payment of benefits. If it turns out that your medical condition can be traced back to excessive alcohol consumption, your health insurance company can deny the benefits of the plan and do so legally.
Tougher to Get Cheap Medical Insurance After a DUIIf you have had a DUI or other alcohol-related conviction you do run certain risks when shopping for cheap medical insurance. While you will normally not be rejected for health insurance simply because you have had a DUI, you may be categorized as high risk, which will put you into a higher rate bracket for premiums. Those convicted of a DUI are usually seen by health insurance providers as probably heavy drinkers and poor decision makers. Heavy drinking leads to health problems and poor decision making can lead to injuries. Both are reasons for medical insurance providers to charge you higher rates.
Getting Help Now Can Mean Cheap Medical Insurance in the FutureIf you are in a situation where you need help to control your drinking, there are many options open to you. In fact, there are health insurance plans that will offer benefits to some degree for drug and alcohol treatment. If you do feel you need help, the time is now to not only improve your health, but the sooner you take the necessary steps, the sooner you can stop paying for high risk medical insurance and start paying for cheap medical insurance.
Cheap Medical Insurance With Online Health Insurance QuotesOnce you have taken the steps to reduce your alcohol consumption to moderate levels or have quit altogether, you can get health insurance quotes to see if you can now qualify for cheaper premiums on your medical insurance. A physical may be required to show proof that your reduced alcohol consumption has resulted in improved health. As long as you are a non-smoker and are otherwise in good health, you should be able to get cheap medical insurance and the odds will be much higher if you take the time to gather those all-important health insurance quotes. |
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