Anti-malaria gene in Africans raises HIV risk (AFP)

AFP - A gene found only in people of African ancestry which evolved to prevent malaria infection now increases the odds of contracting AIDS by up to 40 percent, a new study has found.

Health insurance is certainly buy bulk glycocyamine of the hot topics today. The simple reason being that although it's so important, a high percentage of Americans do not have it because of the high cost involved. I'll show you simple steps that will help you pay far less...

1. If you take advantage of phone med services you would have done a lot to lower your health insurance costs. These are free community services that offer medical advice by phone round the clock. You have at least a registered nurse with a minimum of 10 years experience on hand to offer free medical advice you can trust. You'll as well get free medical advice by calling local medical clinics.

Although this is not an alternative to seeing a doctor, they can actually reduce your cost by bringing down the number of times you see a doctor.

The help provided by them could also help you take precautions that will prevent a serious health condition. Therefore, they're worth giving serious thought.

2. Buying catastrophic coverage will help you save substantially in it and is recommended if you are the consistently healthy type. You enjoy coverage for those health conditions or medical needs that could arise suddenly.

The biggest advantage of this health policy is where sudden ailments or accidents give rise to huge bills that could at best be called catastrophic. The premium you pay for catastrophic health insurance is truly affordable.

Nevertheless, the deductibles are generally as much as $2,000 but they are definitely worth it considering that you rarely get sick and are getting coverage in case a catastrophic health condition or accident strikes.

3. The pharmaceutical industry has big brand names. If you buy name brand drugs, your health insurance rates will go up.. But did you know that generic drugs are constrained by law to have the same active agents as brand name drugs? The inactive agents are the only differences between generic drugs and brand names.

This simply implies that what you get from brand name drugs is also what you get from generic drugs of similar specification. Nevertheless, discuss this with your doctor before taking this decision.

4. Overweight people attract far higher rates than people with normal weights. Your BMI or Body Mass Index is a very important factor in calculating your risk to an insurer.

A high Body Mass Index will always attract an expensive rate all other things being equal. You're overweight for your height and sex if your Body Mass Index is high. And do not think that you will get savings only when you lose 50 pounds, just dropping off a few pounds will lower your rates once it alters your Body Mass Index rating.

5. Say 'No' to smoking if you desire inexpensive health insurance. Smokers are more liable to die untimely and are also more likely to have many deadly diseases.

If smoking results to certain health conditions, then it makes a person a high risk and that attracts higher rates. Once you stop smoking for about 12 months inform your current insurer or reapply to another insurer and you'll experience a remarkable slash in your premium.

6. Get and compare health insurance quotes. Visit not less than five quotes sites. This is because offers not covered by one site will be represented by another. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.

Here are great pages for health insurance quotes...

Health Insurance Quotes

InsureMe Health Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.