Alcohol and Your Health Insurance

When people consider health factors that will affect their insurance, smoking and obesity might be the two that come to the fore. Smoking is stigmatized, and the ill-effects are well known, and the same is true for obesity. Alcohol, however, is a substance that people consume without quite the same scrutiny. We are a society that, for the most part, embraces responsible drinking. That does not mean that the harmful effects of alcohol are not taken into account by the health insurance industry.

Drinking can be done in a low-risk manner, but it can also lead to problems that can make getting insurance difficult. To find out more about the way consuming alcohol affects your health insurance and health options, contact Catherine Michaels Insurance Services at 888-875-9888 today.

How Alcohol Consumption Affects Healthcare Options

Typically, there are three designations for individuals that consume alcohol. All people that drink will fall roughly into one of the following:

• Social Drinker: consuming one or two drinks occasionally. This class of drinker is likely to incur no additional cost to their health insurance.

• Binge Drinker: drinking large amounts in a short period of time. These higher risk individuals can have affected premiums.

• Alcoholic: for insurance purposes, these are typically people drinking more than two drinks per day. This is regarded seriously by insurance providers, resulting in high premiums or declined applications.

These are not hard and fast rules, and it is important that you talk about your habits and your options with your insurance provider. But this can help you to begin to understand how drinking can bear on your ability to secure health insurance coverage.

Contact Us

When you have questions, you need to be able to get reliable advice from a California insurance agent. We are prepared to help you to get the answers you need and to assist you in your effort to find the coverage you need. Contact Catherine Michaels Insurance Services by calling 888-875-9888.