Finding Low Cost Health Insurance

Health InsuranceMost of the sites you will come across have one thing in common, a free quote engine. These quote engines will usually ask for either the state you live in or your zip code. This information helps the engine return a list of health insurance agents who are licensed to sell health insurance plans in your area. This step is important because insurance regulations vary from state to state, so you first want to make sure the agent you are dealing with is knowledgeable about insurance regulations in your area.

Another benefit to these free quote engines is that, since they are free, you can request multiple quotes. This is a good idea because it puts the power in your hands, as an informed consumer. With multiple quotes, you can begin to evaluate the total health insurance costs between different plans. Requesting multiple quotes also lets you interact with multiple agents and get a feel for which agent you prefer working with and who appears to have your best interests in mind. Having choices is key to making an informed decision and saving money.

There’s no denying that health insurance is a very important part of our lives and it should not be taken lightly. But you also shouldn’t stress too hard with all of the tools that are out there to help you. This article is intended to help you understand some of the basic concepts and terms of health insurance and to point you in the right direction for finding a low cost health insurance plan that suits your needs.

The True Value of Low Cost Health Insurance

If you are like most people, you want to get the best value for your money when shopping for health insurance. This usually translates into a search for “low cost” or cheap health insurance, but there is more to it than that. Your real goal should be to maximize coverage while minimizing the total health insurance cost for a plan. This is a delicate balance that takes some effort to get right.

Not all forms of low cost or cheap health insurance are great values. You must consider both the health insurance cost of a plan and the coverage it provides to get an accurate sense of what you are buying. And even the cost side of the equation is not always clear. Many people lazily assume that the monthly premium is the “sticker price” of a health insurance plan. That is a mistake.

A health insurance plan’s deductible is just as important as its monthly premium; both are critical factors that contribute to the total health insurance cost of a plan. The deductible is the amount of money you would have to pay out-of-pocket before your health insurance provider starts covering the rest. So if you have a $2,000 deductible, your insurance provider won’t pay a penny until you have already spent $2,000 of your own money on your own medical expenses. So in addition to your monthly premium payments, you must also consider the potential out-of-pocket costs you might face in  paying off your deductible if an accident occurs and you end up in the hospital.

Other factors you must consider when evaluating the total health insurance cost of a plan include co-pays for prescription drugs and visits to the doctor. Most plans will require you to pay some level of co-pay for these items, but how much is the question. Be sure to not overlook these details when evaluating a plan.

Be Honest With Thyself

Now that you are aware of the different factors to consider in evaluating the true value of a low cost health insurance plan, you should feel more confident in your ability to choose a plan that is value-tuned to your needs. For example, if you are young and healthy and feel like trips to the hospital are unlikely in your near future, you might opt for a higher deductible in return for lower monthly premiums. However, if you are into outdoor activities or extreme sports which can lead to injury, a more comprehensive plan will suit you better.

Health Insurance is very important and is something you need to be honest with yourself (and your family) about. As tempting as it might be to cut corners and get a super cheap plan with minimum coverage benefits, you could ultimately be hurting yourself and putting your family at risk of financial ruin if a medical emergency occurs. So paying a little extra each month to get adequate health insurance coverage can end up saving you a ton of money in the long run.

Review of Health and Wellness

Health And WellnessWhy are we writing this Health and Wellness Industry Review? What’s the big deal about Health and Wellness? The answer lies in the convergence of two trends. The first trend was sparked by the fact that the Baby Boomers are living longer than previous generations ever have in the past. They’re looking at ways to keep themselves healthy, active and vital so that they can enjoy life into their later years. They’re focusing on being well – or “Wellness” instead of waiting to get sick and just reacting to it with medications.

The second trend, is also at least partly the result of baby boomers and the longer life span of the population in general. What options are available to people now to ensure that they have the money to enjoy their retirement – sometimes for the next 20, 30 or 40 years? Now that the old financial system has broken down, everyone needs to be looking at how they’re going to provide a passive, residual income stream for their future.

Thus, we get the birth of an industry – Health and Wellness.

Due to the reasons mentioned above, lots of people are thinking about launching a home based business.
With the economy the way it is, and unemployment rates growing, it’s no wonder some are turning to a home business as a way to make a living.

But how do you decide what to do? So many choices out there, so many “business opportunities” screaming “I am the best opportunity-make lots of money…fast…easy…overnight…” and on and on it goes.

Hopefully you’ve gone through our other articles to help you and guide you down the path that’s right for you.

When you’re trying to decide what type of home business you want to set up, of course it’s a good idea to take a look at which industries are popular – and will continue to grow.

We’re going to focus on an industry that has absolutely exploded – and is anticipated to continue to grow for years to come – the Health and Wellness Industry. People who have become involved in this industry are finding it extremely lucrative and are poised to do quite well financially in the future.

The Health and Wellness Industry is concerned with prevention of illness and disease.
This is different from Health industry which includes doctors, hospitals, pharmacies and pharmaceutical companies. This industry focuses on treating the symptoms of illness, and not on prevention of sickness, and or helping people feel healthier.

The Health and Wellness Industry is expected to be a $1 trillion dollar industry by 2010. This industry includes nutritional supplements, juices, health/fitness clubs, chiropractic, naturopathy, homeopathy, and holistic health care. So what are the forces making the Health and Wellness industry so hot?

The economic downturn has affected peoples’ ability to spend money on insurance, doctor visits, and hospital stays. People are focusing on prevention of sickness and disease: According to cNMI (Natural Marketing Institute) President Maryellen Molyneaux:

“NMI research clearly shows that the current economic downturn is changing consumer behavior on many levels, including spending related to health and wellness. So while sales in each category continue to grow, consumers are becoming more discerning and are looking for real value in their purchases and not just the perceived value. This shift in behavior will impact manufacturers and retailers not just short-term but also in the future. With the economic future unclear, NMI projects that the health and wellness industry as a whole will remain relatively stable over the next five years at approximately 7% growth each year.”

More and more people are searching for ways to prevent illness and improve the quality of their life through better health. Many people feel that the nature of western medicine is treating symptoms, rather than preventing disease. They also feel that what traditional medicine does best is treating emergencies, not not keeping people from getting sick in the first place.

Many Doctors and scientists have dedicated their lives to finding natural “cures” for common “dis-eases” and have embraced a natural approach to treating peoples’ conditions.

Pharmaceutical concerns: There is growing mistrust in the general population towards the pharmaceutical industry. Side effects of medications are often serious, and sometimes even lethal.

Lawsuits and product recalls are making people leery of just taking a pill in hopes of getting better. The majority of prescriptions are merely to treat symptoms of sickness, not in curing or preventing disease.

This is creating lifetime customers. Pharmaceuticals are being designed to be taken for life – and people are becoming aware of the dangers of this to their health.

People are living longer. And they want to be healthy doing it. Life spans keeps getting longer, and people are willing to invest in their health more now than ever before. They are seeking ways to feeling good, staying well, and having health and vitality – and are turning to the Health and Wellness Industry for the answers.

How Health And Medical Insurance Plan Can Help You

Health Insurance 2Anyone who watches the news has seen the abundant health care debates – making medical coverage affordable, making it compelling, and making it possible for everyone to be covered. Understanding medical coverage and how health insurance can be of use to you will prompt you to analyze your current health plan or seek information for obtaining medical insurance.

Individuals who admit routine health care know how considerable health insurance is. Routine visits to your family doctor will be of use to identify any underlying medical dilemmas and allow you to seek proper treatment for any medical conditions that arise.

Those who have medical coverage are able to take prescriptions at a discounted rate, often paying only a co-pay which is a critical reduction from the retail cost. Overall, individuals with medical benefits are healthier than those missing coverage because they are able to seek medical attention at the first sign of a problem. Routine health management is considerable for everyone.

If you flip the coin to individuals deprived of health care benefits you see abundant people who live with everyday aches and pains; those who self-medicate and misdiagnose generally serious medical conditions resulting in hefty out of pocket expenses because they hold off going to the doctor. Individuals deprived of coverage are hesitant to seek medical care as they cannot afford a trip to the doctor or emergency room.

The health insurance crisis has acerbated quite a bit of controversy. Many companies have contracted the amount that they contribute to health care benefits making primary care costs a major expense for families and even single individuals. Some say health is a fundamental while others have considered it as a luxury.

Knowing how health insurance can be of use to you in a time of need is certainly worth considering getting coverage, especially if you have children. If you don’t currently have medical coverage acquire some time to examine your options. It is far greater to have coverage and not demand it than to need it and not have it.

Take Care Of The Elderly With Home Health Aide In Clearwater

Leaving your elderly parents for work commitments or any other reason can get you worrying about offering the best care to them even while being away. However, today you can easily say goodbye to all such worries and be assured of giving the best care with minimum hassles. Thanks to the emergence of service professionals offering best-of-kind home health aide in Clearwater or other regions in Florida. Whether be it about taking best medical care, preparing meals, offering companionship, or taking care of other domestic needs, you can be assured of it all. All you need to do is look for experienced and specialized caregivers and nurses. Moreover, you can also be assured of finding a service that is customized to your needs.

How In-Home health Care Service Helps

Taking care of elderly parents can get stressful for most as you might need to travel for work or even leave for corporate. Seeking the help of in-home health care service allows you to find the best care for your parents without making them leave their own home. By relying on home health care service, what you are assuring is complete convenience and best care with a personal touch. The in-home care for your loved ones might vary and therefore the professionals in the field work towards offering a dedicated and customized
home health aide in Clearwater.

Prior to assisting to your needs, the caregivers and nurses take the effort in understanding your requirements and interests. This is essential to offer best and quality senior care in St. Petersburg and other regions in Florida. Whatever be your needs, you can be sure of the needs being catered at best without any worries. From part-time care assistance to offering round-the-clock service, the caregivers and nurses dedicated to offer in-home care provides it all. The key lies in offering exceptional service within the privacy and comfort of your own home.

Also, the home health aide in Clearwater that is offered by dedicated and experienced nurses and caregivers are not just designed to cater to your materialistic or physical needs. The professionals also offer great companionship so that your loved ones do not feel alone at your absence. Emotional needs of each patient or individual is also wonderfully met by the professional in-home caregivers. The catch lies in getting in touch with a professional who understands your need and focuses on offering nothing, but reliable care and emerging as a strong support system.

Importance of Choosing a Professional Home Health Care Firm

Wondering why you should rely on a professional for offering the best care to your elderly parents ? Here are the answers –

Be sure of obtaining services that are customized to your needs
Be assured of finding a care program that is designed to help with senior care
Be sure of an array of services being taken care of dedicatedly
Ensures complete medical care with utmost dedication

Obtaining best home health aide in Clearwater and in and around Florida ensures that taking care of parents even while being away is no longer a big concern.

The Real Score About Yor Health Australia

Recently, there is some news about YOR Health Australia saying that the company is a scam. However, especially in the internet, it is difficult to separate fact from fiction in the digital age. Searching for the real truth about something in the internet is like finding a needle in the haystack. Indeed it is easy to look for something online and accept them as truth. Nonetheless, one should be careful in believing something as truth because in the internet, it is quite difficult to decipher which kind of information are coming from credible and trustworthy sources.

The issue about YOR Health Australia is absolutely not a pyramid scheme. While pyramid schemes are illegal, YOR company is a direct seller, multi-level marketer or a network marketer. These terms are usually misused and often related to scams and fraudulent business. The company actually operates using the four basic methods in marketing products which include retailing, multi-level marketing, referral to friends and families and direct sales. These methods of moving products are actually legit since it only essentially requires chains of recruitments and consumptions to purport income.

YOR Health Difference is a patent protected nutrition delivery system (NDS) that is employed by this company in order to make sure that the products they sell are all effective and of great quality. A patent is actually an intellectual property right that is granted by a government to an inventor who has done something remarkable and very unique. Thereby, patents, as a matter of fact, encourage ingenuity and creativity. The NDS is product of YOR’s years of research and development in order to deliver the finest products to the customers.

If one visits the company’s website at supergreencentre, one will find plenty of testimonials about the efficacy of the products produced by YOR. Many men and women have experienced huge improvements not only their body’s appearance but also in their well-being as well. Some say they have regained confidence for finally having understood the value of good health and healthy food and lifestyle.

It has to be noted though that results from using YOR’s health drinks and supplements vary from one individual to the other. Factors that may affect the results may include one’s metabolism, lifestyle, eating routines and current medications. However, as with any other diet and fitness plans, these supplements and drinks should be accompanied with proper lifestyle and regular exercise.

Are You Aware Of The Health Dangers Lurking In Your Home

Toxins and chemicals are found everywhere within your environment. Are you aware of the health dangers lurking in your home? Are you aware of the hidden dangers in your home? Each morning, you wake up. Take a shower and use many body products such as deodorants, shampoos, and toothpaste. You get dressed. Then eat your breakfast.

You are exposed to billions of pounds of chemical toxins each year. There are health dangers lurking in your closet. There are toxins in your home. You must find ways to reduce these toxins in your home. Each morning before you leave to begin your daily routine, you are exposed to many toxins. These toxins are found in:

1.The air you breathe 2.The water you drink and shower with daily. 3.The clothes you wear 4.The Products you use daily such as deodorants, shampoos, cosmetics, house cleaners, air freshener’s and much more. 5.Some food’s you eat.

Health dangers lurking in your home can be found in the air you breathe. Mold is a type of fungus. It is a health danger lurking in your home, hiding in places sometimes unknown. It is very small and undetectable with the human eye. In Science we have learned that mold is used in the production of penicillin. Mold is also important in nature due to the fact that it helps to break down dead organic matter such as dead trees and fallen leaves. However, indoor mold should be avoided. Mold consists of small reproductive cells which are called spores. These spores spread through the air and attach to people’s clothes, shoes, skin, etc-.Mold is attracted to dampness and water. It seeks this type of environment where it can reproduce. It cannot grow without water. It is a health danger lurking in your closet. In your: Bathroom Basements Wallpaper Rugs Drapes Carpet Damp clothing/towels Kitchen and more

It is estimated that half of the homes in the US are contaminated with mold. Mold is dangerous in the fact that it takes 48 hours in the appropriate environment to occur. Research shows that it dwells in temperatures between 40 and 100 degrees. Mold is difficult to stop because it enters into your house through the air conditioning, ventilation, dryers, open windows, heating, and even the fur of your pets. You cannot stop it from entering your house but you can take precautions in helping prevent mold: Make sure you immediately fix or clean up any water problems. Make sure your clothes are never left lying around damp. Regular home cleaning and maintenance. Use various essential oils to help prevent or kill mold.

Blackmold.com states that there are 16 species of mold that are toxic. These toxins when inhaled or absorbed into the skin can cause pneumonia, become an irritant, trigger auto-immune illness, cause allergies, skin rashes, asthma, etc-

Health dangers lurking in your home can be found in your water. The water you drink and shower with daily. Water is a source for life and sustains us. It is important that you drink water daily but drinking the right kind of water is vitally important. Research indicates that up to 700 chemicals have been found in tap water. More than 80 regulated chemicals are found in water. An example: Arsenic is a health danger lurking in your home. Arsenic is a heavy metal toxin and is very dangerous. You are unable to taste or smell this toxin. According to the EPA, arsenic enters into your drinking water supply from natural deposits in the earth or from agricultural and industrial practices. When regulating how much arsenic is allowed in your drinking water, the EPA allows 10 parts arsenic per billion in water. This helps protect you. However, studies are showing that some geographical water supplies are exceeding these numbers due to environmental issues. Dangers of arsenic Nausea/vomiting Stomach issues Numbness in hands and feet Blindness Partial paralysis Linked to cancer of the bladder, skin, lungs, nasal passages, kidneys, etc.

Health dangers lurking in your home can be found in the Products you use daily such as deodorants, shampoos, cosmetics, house cleaners, air freshener’s and much more. Dangers can also possibly be found in your clothes. Triclosan Triclosan is a classified pesticide. It is considered a synthetic antibacterial ingredient that contributes to the formation of resistant forms of bacteria. It is an ingredient used as a bactericide in personal care products such as toothpaste, deodorant, antibacterial soap, cosmetics and more. It is also found in clothing. It is a preservative added to products which is not always labeled. This ingredient is used to help your products last longer, protecting or reducing bacterial contamination. The U.S. Food and Drug Administration (FDA) states that “Triclosan is not currently known to be hazardous to humans.” However Mercola states in a 2012 article that Triclosan has been linked to heart disease and heart failure in a new study. Some studies have shown that Triclosan contributes to creating bacteria resistant to antibiotics.

Health dangers lurking in your home can be found in some food’s you eat.

High Fructose Corn Syrup (HFCS)

Since the 1980’s, table sugar in many products you eat has been replaced by High Fructose Corn Syrup (HFCS). This product seems to be relatively cheap to produce and can be found in many sweetened beverages, dairy products, cereals, backed goods, and canned fruits. Sweetened beverages seem to have the highest amounts of HFCS. Research shows that HFCS is chemically similar to sugar; however there is concern that our bodies handle this ingredient different than regular sugar.

According to the Mayo Clinic, the increased use of High Fructose Corn Syrup (HFCS) in our foods has possible connections to the following health issues. We do know that too much of any type of sugar could lead to these health issues.

Diabetes Weight Gain Type 2 Diabetes Metabolic Syndrome High triglyceride levels

One research study found alarming amounts of mercury within HFCS. In a study published in 2009 in -Environmental Health,- researchers identified mercury, which is a toxic substance, in nine out of 20 commercial HFCS samples.

As you can see you are faced with many hidden and known dangers within the home. You face many more health dangers lurking in your home. Are there solutions? Can you and your family live in a healthy safe natural environment? I encourage you to go to oils4restore and sign up for free reports on the following:

– What are essential oils?

– Why use essential oils?

– Benefits of essential oils.

– Ways to detox your body.

– More health dangers lurking in your home.

– Easy, safe tips to reduce toxins. – Cleaning without chemicals.

– How to boost your energy.

– How you can supplement your diet. – How to take care of your children and pets naturally.

These reports will help answer many of your questions and give you possible solutions for you and your family.

Cheryl Cobb teacher of exceptional children young living distributor 2089394

The Amazing Avocado

Have you noticed that avocados have an uncanny resemblance to the female womb? Research shows that eating one avocado a week helps balance hormones and prevent cervical cancers. What’s also amazing is that it takes exactly nine 9 months to grow an avocado from blossom to ripened fruit! Mind. Blown. Right? Mother Nature has it all covered! Keep reading to find out more amazing benefits.

Nutrients Withinavocado benefits

Avocados are one of the friendliest fats you can consume and reap the many health benefits from. The avocado is jam packed with all kinds of wonderful nutrients that are important for proper function of the body. They are rich in monounsaturated fat which is easily burned up by our body for energy. Bananas are known for containing high amounts of potassium, but did you know that avocados contain more than twice the amount? Avocados are also high in fibre and contain around 20 vitamins, minerals and phytonutrients. Some of these include vitamin E, B vitamins, vitamin C, folic acid, iron, potassium, magnesium, and vitamin K.

Importance of Nutrients

Vitamin K is important for healthy bones, tissues, and for blood clotting. Vitamin C aids in the absorption of iron, promotes healing, and it is important for skin, connective tissue, and bones. In order to avoid blood clots and widen the arteries we need vitamin E. It also aids in boosting our immune system, and proper function of our cells.

Avocados contain five of the eight B vitamins which includes B1, B2, B3, B5, and B6. Each B vitamin has a different job. B2 works with the other B vitamins and is important for body growth, the production of red blood cells, and releasing the energy stored in carbohydrates. B3 aids the digestive system, nerve function, skin, and converting our food into energy. Another B vitamin that converts carbohydrates is B1 which also plays an important role in the function of our heart, nervous system, and muscles. B5 is used to break down and use food, important for growth, and in the production of cholesterol and hormones. It is important we have B6 which aids in making antibodies to fight disease it also aids in normal nerve function, makes haemoglobin, and helps to keep sugar in a normal range.

Potassium can aid in lowering blood pressure, and may reduce the risk of kidney stones and bone loss. If you feel weak, fatigued, or intolerance to extreme temperatures you could be low in iron. Iron is also important for carrying oxygen through our bodies to cells for the production of energy. Fibre is needed for healthy bowel movements, increases nutrient density, healthy lipids and glucose tolerance. Folic acid aids to produce and maintain new cells, makes DNA, RNA, creates red blood cells, and important for metabolism and maintaining regular levels of amino acids. All this in a simple avocado! Amazing huh?

Scientific Discoveries for Health

The Hass Avocado Board has been supporting research on how avocados may help certain health conditions. The health concerns being focused on are diabetes, weight management, cardiovascular health, and the ability for avocados to aid in better absorption of nutrients. One study conducted by Dr. David Heber M.D. PhD, showed positive results for aiding in cardiovascular health. Another study conducted in 1990 on the effects of avocados on type 2 diabetics showed positive effects on blood lipids. Various studies on weight loss have been conducted utilising avocados in one group and no avocados in another. Due to the fact avocados are considered a fat, the study aimed to find out how it would effect weight loss. The study determined that because avocados are a good fat there was no difference in weight loss between the two groups.

Avocados as a Fat

Avocados are actually made up of 75% good fat with 3 grams of monounsaturated fat and 0.5 grams of polyunsaturated fat.

For more natural health tips visit our blog at: http://www.alkalife.com.au/blog

Football legend Stuart Pearce admits to asbestos exposure fears

Many of those organisations and individuals contemplating asbestos surveys in Birmingham, Yorkshire, Newcastle or elsewhere in the country will be interested to read of the launch of a new asbestos safety campaign by the Health and Safety Executive (HSE).

Adding particular intrigue to the campaign is the backing of former Nottingham Forest footballer and manager and all-round football hero Stuart Pearce, who has revealed that he may have breathed in the deadly substance during his four years as a part-time electrician in the early 1980s.

The one-time Newcastle United man worked in the trade during his early days as a footballer, and said that there was a genuine future possibility of him developing a fatal asbestos-related disease. He urged tradesmen and women to educate themselves on the lethal fibre and adopt suitable protective measures.

The 52-year old commented: “It’s chilling to think I could have been exposed to it without knowing – we were simply ignorant about the risks back then. Today there’s no excuse – most people know how dangerous asbestos is but many think it’s a thing of the past. It’s not, it’s still there.”

The great football hero, who started his career with Wealdstone and also played for Coventry City, West Ham United and Manchester City, pointed out that the substance remained present in the walls, ceilings, floor tiles and guttering of many buildings built prior to 2000.

He pearce added that it “really could mean the difference between life and death” for people to make themselves aware of where asbestos can be found and how to safely deal with it, even on such basic jobs as drilling holes, sanding and cracking roofs.

He concluded that “It can be so easy to breathe in this deadly dust and it may be years until you realise you’ve been affected.”

Much of the fibre that was formerly used for the insulation of buildings has not been removed, raising the risk that in the event of its disturbance, it could be inhaled and cause serious – often deadly – lung disease due to asbestos exposure fear dangerously.

The HSE has said that the 5,000 deaths per year that can be attributed to asbestos is higher than the number of people killed on the roads. That is another indication of just how crucial it is for organisations to be suitably proactive by organising the right Asbestos Surveys Birmingham, Teesside, Sunderland or wherever in the UK they are based.