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.

Dabur NUTRiGO- A treasure of health

Dabur NUTRiGO is a contemporary and modern health supplement offering from the house of Dabur. Dabur has been the pioneer in health and well being in India, catering to the needs of consumers for over 125 years with great success. Dabur NUTRiGO is a health supplement that has an optimal mix of vital nutrients like essential vitamins, minerals, amino acids and Special natural extracts. RDA (Recommended Dietary Allowance) is the minimum quantity of essential nutrients that are required to be consumed daily for maintaining good health and well being. In India these values are defined by the Indian Council of Medical Research (ICMR). Given the distinct physiologies of men and women, Dabur Research and Development Center has formulated two offerings to meet the specific nutrition and anti-oxidant requirements of men and women in Urban India. Men facing the problem of fatigue and loss of stamina must realize that it is the very first symptom of the degeneration of their health which can lead to serious diseases and problems in the medium to long term. Dabur NUTRiGO Total contains beneficial ingredients like Ginseng, Lycopene, Iron and Selenium so that he can continue feeling energised and more importantly guard aspects of long-term health like Heart Health, Bone Health. Dabur NUTRiGO Total is a man’s ideal, daily health ally in his struggle to stay healthy. Women finding that they have -lost that spark-, in other words reduced energy level & perceptibly reduced skin & hair quality must realize that the issue is more than just skin deep. With Children and family topping the charts in a long list of priorities that she must juggle, she hardly finds any time to take care of herself. Beauty regimens and rejuvenating treatments are more often than not, only on the surface and have a very short-lived effect. Also they are not possible to sustain on a daily basis. Dabur NUTRiGO Woman contains wonderful ingredients like Evening Primrose Oil, Green tea extract, Folic Acid, Biotin, and Iron that can keep her skin glowing, hair healthy and her life full of vivacity! Dabur NUTRiGO Woman is today’s woman’s ideal, daily health ally.

Acacia Confusa

www.buyacacias.com/buy-acacia-confusa/ In the Central American Acacia sphaerocephala , Acacia cornigera , and Acacia collinsii (collectively known as the bullthorn acacias ), the large thorn-like stipules are hollow and afford shelter for ants, which feed on a secretion of sap on the leaf-stalk and small, lipid-rich food-bodies at the tips of the leaflets called Beltian bodies; in return they add protection to the plant against herbivores 3 Some species of ants will also fight off competing plants around the acacia, cutting off the offending plant’s leaves with their jaws and ultimately killing it, while other ant species will do nothing to benefit their host. acacia confusa The brave psychonaught reportedly drank 5 table spoons of root made into a light tea by itself, no betacarbolines added. He was then thrust into a very difficult and high dosage DMT journey. The roots of the plant are active and very powerful. Remarkably Acacia Confusa has one of the highest yeilds of DMT discovered in nature. That it is active with out the addition of a harmala alkaloid is amazing, and reminiscent of reports of cold water extracted Jurema or mimosa hostilus root bark, which has been a real hit or miss in bioassays.

The brave psychonaught reportedly drank 5 table spoons of root made into a light tea by itself, no betacarbolines added. He was then thrust into a very difficult and high dosage DMT journey. The roots of the plant are active and very powerful. Remarkably Acacia Confusa has one of the highest yeilds of DMT discovered in nature. That it is active with out the addition of a harmala alkaloid is amazing, and reminiscent of reports of cold water extracted Jurema or mimosa hostilus root bark, which has been a real hit or miss in bioassays. acacia confusa 4.5-The best practice to take a manufactured goods you adore is usually to be like me plus do it impulsively. Some be aware that things i ended up being planning regarding then when I purchased 1000g Acacia Confusa Root Bark – Powdered – From Hawaii – Rainbow Tree Root Bark, I’d been convinced, I used to be about to possibly be ripped off. Having said that, I personally claim, I never ended up this kind of joyful which is probably my favorite picture in being the supreme person intended for 1000g Acacia Confusa Root Bark – Powdered – From Hawaii – Rainbow Tree Root Bark.

Acacia confuse grows as a dominating canopy tree species in its natural range, and thus likes to have a good deal of sun. It can grow alright in semi shade, but will be far less bushy and lush. Dark cold situations are likely the worst. However, in Taiwan there are trees growing in areas known to reach just above freezing in the higher mountains. They take on a very different growth habit at these elevations and become shorter and more wiry, compared to the large thick trunked tree with massive crowns growing in warmer areas. Cultivation more information

Important Reasons To Take Advantage Of Employment Health Services

Forward thinking companies are starting to understand that an ounce of prevention is worth a pound of cure, and many are beginning to offer Employment Health Services as an added “perk” for their employees. One of the chief concerns people have when it comes to choosing a place of permanent employment is reaping the prized benefits that come along with it. In these days of economic and regulatory uncertainty, health coverage becomes ever more of a fundamental issue.

Work and family life absorb a great deal of the average employee’s attention and finances. Defraying or reducing medical costs through convenient and affordable employment health services is both a comfort and an asset. Here we will discuss three central reasons for providing employment health services for your employees; consider the following:

It reduces absenteeism
Healthy employees are more productive, there is no other way to put it. Physically sound workers are less likely to miss work days. Simple programs that will prevent illness and you maintain a healthy weight makes employees feel good about themselves, and the end result is that they are not going to miss as much work. By taking advantage of preventative health services or programs, employees want to stay positively active in the workforce.

Employment health services can help keep people out of the hospital, especially when it comes to physical issues that are related to mental health and well-being. Keeping people on the job is important for the employee but it is also crucial for the business. Employment health services are one of the few ventures in which everyone’s interests are aligned. The company wants happy, healthy employees; and the employees want to be happy and healthy.

It reduces costs
Employment health services work because workers no longer take health care for granted. In fact, the best program urges workers to pursue every benefit available to them. Taking advantage of every employee benefit is critical to maximizing their own savings as a way to keep money in their pocket. Employment health services can eliminate or reduce the need for workers to forgo important health services.

When employees are forced to face treatment because there are preventative programs, healthy behaviors that are critical fall by the wayside. People end up avoiding care because they can’t afford to pay their co-pay, or they skip medications, trying to make the prescription last longer. Their intent is based on economic reasons, but they end up paying a higher cost in the long run.

Maintain a healthy workforce with Occupational Health Services
With more than years of experience and expert clinicians in occupational health, medical access companies are focused on helping keep your workforce healthy and productive. In addition, we provide services through our highly convenient, walk-in location in Germantown, MD.

From drug screenings to wellness programs, medical access companies offer a wide range of employment health services to support employers in maintaining a healthy, safe workforce, while reducing the costs of work injury treatment for your company and your employees.

The Best 5 Herbs To Keep Your Adrenals Healthy

Taking care for your adrenals glands is the key to optimal health so today I’m sharing my favourite herbs to support adrenal health. These are adaptogenic herbs, which mean they increase the ability of your body to withstand stress. They have a balancing effect and support your immune system, which is suppressed with chronic stress. Research shows that adaptogens work by helping to regulate the hypothalamus-pituitary-adrenal axis as well as on a cellular level, priming cells to respond appropriately to stress.

RHODIOLA Used by the Vikings to improve mental and physical endurance, Rhodiola is a potent adaptogenic herb, which is also anti inflammatory, antioxidant, anti anxiety and anti fatigue. A Swedish study gave Rhodiola to 30 people diagnosed with fatigue syndrome and a placebo to a control group of 30 healthy people. After 4 weeks both groups were assessed via saliva cortisol and the results were compelling, the fatigued people taking Rhodiola had a better cortisol response to stress and were more able to concentrate effectively. I use Rhodiola for both mild and severe adrenal fatigue and know that I feel much better taking it every day.

SIBERIAN GINSENG A large study reviewed the results of a number of clinical trials involving 2,100 healthy men and women ages 19 to 72. Subjects were given doses of ginseng ranging from 2 to 16 ml of fluid extract, 33 percent ethanol, from one to three times daily for up to 60 days. Subjects had increased mental alertness and work output, enhanced athletic performance and improved work quality. They also exhibited an improved ability to withstand adverse conditions such as heat, noise, increases in workload and physical exertion.

WITHANIA A traditional Ayurvedic herb, withania was used to treat debility, nervous exhaustion and chronic inflammation. Studies show that withania has a direct effect on the hypothalamus-pituitary-adrenal axis and balances cortisol levels. A recent clinical trial found that treatment with Withania resulted in a decrease in stress and significant decrease in the stress hormone cortisol in a group of men with stress induced infertility. The test group of men took 5g of Withania daily for three months and not only did their stress levels decrease but their sperm quality improved. 14% of the partners in the test group were pregnant at the end! As a side note, withania also supports thyroid health, which I often see affected by tired adrenals.

ASTRAGALUS Astragalus is traditionally used for chronic weakness, fatigue and low immunity. When I think of Astragalus I think of a long term inability to fight infections. When someone gets an infection, and then relapses a couple of times. They are burning the candle and possibly have an autoimmune condition in their family history. A study showed that Astragalus increased natural killer cell activity, a type of immune cell critical for optimal health.

LICORICE One of my other favourites due to its warming, sweet tones and its incredibly powerful adaptogenic action. One study showed that it has an anti inflammatory action similar to the drug hydrocortisone. I prescribe licorice for my clients who are at the end stage of adrenal burnout and their adrenals are not producing enough cortisol. A compound in licorice called glycyrrhizin can extend the half-life of cortisol. Interestingly, research has shown that in people with normal adrenal function, licorice doesn’t increase cortisol. Instead it has a balancing effect on cortisol for people that have low levels.

Emma Sutherland is a successful mum, author, naturopath and TV presenter and her mission in life is to inspire women to get their mojo back. She has featured in print media such as Marie Claire, Body and Soul, New Idea, Sunday Telegraph, Sydney Morning Herald and MX. Her radio experience includes Body & Soul and a regular health spot with Bianca Dye for the last 3 years. Emma’s online presence is huge and in her popular blog she reveals the latest research information, recipes from her upcoming book as well as tips and tricks to a life filled with Mojo. Emma can be found at her busy client centered clinic in Balmain.

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

Why Health Insurance

The healthcare sector in India has seen vast changes. Undoubtedly, the life expectancy has increased taking into consideration certain health reforms but simultaneously the treatment cost has also increased. In the coming years, the health care cost is certainly going to shoot up more. Hence, if you buy a health insurance plan at a young age you can reap its benefits as you age.
Health insurance plays a vital role in financial planning. The contingency reserve that you may need to set aside to take care of your health may be insufficient as the time progresses. In addition, a sudden medical expense would disturb your financial planning and turn out to be an obstacle in fulfilling your other liabilities.

How does health insurance plan work?

Your health insurance plan functions as specified below.

Cashless Health Insurance

When you purchase a policy, you get a mediclaim card, list of network hospitals and all the essential contact numbers of your service provider. If you plan to avail treatment in network hospital just need to inform your insurance provider around 48 hours in advance for cashless approval. Once the approval comes you need not shell out even a single penny from your pocket.

Reimbursement Facility

If you avail treatment in non-network hospital then you can claim reimbursement by submitting original bills and other required documents. Once the documents are verified the amount is refunded within stipulated time frame. Ensure that you provide all the listed documents otherwise your claim process would take time. The customer service centers are always available at your service to let you know the whole process. In case of any clarification, do get in touch with them.

The health insurance plans also take care of ambulance charges, pre and post hospitalization expenses, room charges, doctors fees, and medicinal cost pertaining to the illness for which you have been hospitalized.

Facts to consider before buying health insurance

Pre-existing disease: Check for the coverage of pre-existing disease after a waiting period of some months.
Mandatory co-payment: Co-payment is certain amount of expense that must be borne by the policyholder. Some of the insurance providers have this as mandatory feature. Hence, decide the provider accordingly.

Life-time renewability option: Your policy should have life-time renewability option as you require the policy more as you age.
Cap to the room rent: It is good to check if there is cap to the room rent during hospitalization otherwise you can end up in exhausting your policy amount unnecessarily.

Policy exclusions: Do read carefully the policy exclusions so that you are aware of what benefits you hold and what challenges you may face.