If I Lose Weight or Get Healthy, Can I get Better Rates on Health Insurance? |
Answer:
Yes – the cost of health insurance is less expensive if you’re healthy. If you’re not as healthy as you can be, you will certainly pay more for health insurance.
Health insurance companies usually require testing and medical exams before they will issue you a health insurance policy. If you are able to apply for coverage during an “open enrollment” through a spouse’s insurance plan, you will still have to meet certain requirements. The insurer does not cover any medical conditions that they deem “pre-existing” for at least 12 to 24 months. Depending upon the type of your medical condition, the insurer may place an exception, such as a higher deductible, for any illness related to a specific condition onto your health coverage policy.
If you’re a smoker, or are overweight, the cost of insurance will be higher since smoking and weight gain both increase the possibility of other medical conditions.
A healthier lifestyle will benefit you and save you money too!
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