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AFFORDABLE HEALTH COVERAGE

AFFORDABLE HEALTH CARE

Just because health insurance is not on “Ophra’s List of Favorite Things” does not mean you should not consider it as an important item for the holidays or anytime for that matter. Lets think about the people that have beautiful homes, nice cars, cell phones, computer games, beautiful clothes, but they don’t have health insurance for their families. What happens when sickness or tragedy comes knocking on your door, how do you protect your family from the financial disaster that comes when you don’t have health insurance?

Our agency does provide coverage that is affordable for you and your family. You could even qualify for a discount in your monthly premium if you are in excellent health, not overweight and don’t smoke. Blue Cross Blue Shield of North Carolina (BCBSNC) stresses the importance of a healthy lifestyle to reduce not only insurance premiums, but to promote good health. You can select from different co-payments, deductibles, co-insurance as well as deciding whether Blue Advantage or Blue Options HSA would work better for your budget and family.

North Carolina is also offering coverage for individuals that are rated a high premium due to serious health conditions who cannot afford their insurance premiums, at a much reduced rate. This new high risk pool will be available January 1, 2009.

Outlined below are just a few things to consider to improve your health. Remember, better health leads to lower health insurance premiums. Blue Cross Blue Shield of NC offers discounts for people in excellent health. Ask us about our Blue Advantage plans today.

Lifestyle changes can help reduce cholesterol, keep you off cholesterol-lowering medications or enhance the effect of your medications. Here are some choices you should consider:

1. Eat heart-healthy foods

2. Quit smoking

3. Exercise

Flexibility and strengthening exercises such as lifting weights are an important part of an overall fitness plan, but it takes aerobic activity to control high blood pressure. And you don’t need to spend hours in the gym every day to benefit. Simply adding moderate physical activities to your daily routine will help.

Any physical activity that increases your heart and breathing rates is considered aerobic. Mowing the lawn, raking leaves or scrubbing the floor counts — as long as it takes effort. Other common forms of aerobic activity include climbing stairs, walking, jogging, bicycling and swimming.

Aim for at least 30 minutes of aerobic activity most days of the week. If you can’t set aside that much time at once, remember that shorter bursts of activity count, too.

For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents.  Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC).  You may qualify for a 15% healthy lifestyle discount if you are in excellent health.  Call us for details.

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