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high medical costs

How To Protect Yourself Against High Medical Costs

Stay Healthy

One of the best ways to keep potential medicals costs to a minimum it to stay healthy. Although this may sound easier then it is here are a few ways to keep yourself healthy.

  • Get a regular checkup from the doctor
  • Eat a healthy diet specifically a Mediterranean diet 
  • Keep your blood sugar in check
  • Exercise daily

Doing these things will make a huge difference in your overall health. The Mediterranean diet is high in fat and protein and low in processed carbohydrates. This keeps you blood sugars down and your weight down as well. In addition, exercising daily will have great effects on your overall health. If you are healthier then you will not need as much healthcare, thus keeping your medical costs down.

Get Health Insurance

Another major way to keep your medical costs down to to get a good health insurance plan. If you are under the age of 65 then you can get a health insurance plan either through your employer or you will have to get an “Obama Care plan.” Seek the help of a broker or agent if you need it. Either way, you will need to get coverage. If you are over the age of 65 then you will have Original Medicare and a supplemental plan. These choices can be very complex to be sure to get the help of a broker like Bluewave Insurance Services.

Avoid High Risk Activity

A lot of people who partake in dangerous activities end up with high medical bills. For example, doing drugs and drinking a lot can result in car accidents and other misfortunes. Also other reckless behavior like skydiving and riding a motorcycle can result in high medical costs. Avoid these activities to save your money!

Overall doing the things mentioned will minimize your medical costs. Of course, there is only so much you can do and accidents do happen, that is why it is so important to have a good insurance plan, no matter how old you are.



What to do if you are charged with a DUI?

If you are arrested for drunk driving, you may wonder what’s going to happen next and what will you do. The penalties for drunken driving vary from one state to another. These are the things that will happen after you are charged with DUI.

Go to the court

If you take a breath test or a blood test that records your blood alcohol content at .08 or more, then you are convicted of DUI. So, you must go to the court. The court will confirm your conviction.

Fines, fees and revocation of license

If you are convicted of drunk driving in court, you will be ordered to pay a fine and the court costs. Your driver’s license will also be revoked for some time. In some states, the accused are sent to jail. You may also be on probation and have to do some community services.

Get your license back

You have to go through an educational program. You must pass this program to get your license back. Before attending the program, you will be interviewed by a trained counselor. This program is designed to find out if you have an alcohol abuse or alcohol dependency problem.

Evaluation and treatment

After evaluation, if it is found that you have a drinking problem, you will have to attend driving school class and learn about the dangers of impaired driving. You have to pass the tests and may have to seek treatment for your problems.

Ignition interlock devices

You may have to set up an ignition interlock device on your vehicle to have your driving privileges back. The device can detect alcohol on your breath. If detected, your car won’t start. The device can be expensive.

Increased insurance scheme

If you are convicted of drunk driving, you may have to pay for SR-22 insurance. The cost of this insurance is double or triple of your premium.

A drunk driving conviction can be severe if repeated. You may lose your job or your driving license for a long time. So, you should always stop yourself from driving when you are drunk.