Do I need Health Insurance?

Title:Do I need Health Insurance?Word Count:459Summary:If you think you do not need Health Insurance; then think again. The unpredictable nature oflife is itself a valid reason to own a health insurance. Life is filled with risksKeywords:health insurance quotes, free health insurance quotes, instant health insurance quotes,Article Body:If you think you do not need Health Insurance; then think again. The unpredictable nature oflife is itself a valid reason to own a health insurance. Life is filled with risks. Wherever there isan element of risk, risk management is indispensable. Insurance is just a form of sensible riskmanagement.

So, what is health insurance? To put it in simple terms, a health insurance policy is anagreement between an individual and an insurance company. The policy will include a host ofbenefits such as medical tests, medicinal drugs and other medical treatments. When anInsurance policy is issued by the company, then it implies the insurance company has agreed tocover the cost of a particular set of benefits listed in the policy, which are known as \"coveredservices\".So, when a particular service is not covered by the insurance company and you have itperformed anyway, the insurance company \"denies the claim.\" In such a situation, theindividual will be left with no other choice, but to pay for the service out of his own pocket.抯However, the policy holder has the right to challenge the insurance company denial, byfollowing the appeal process mentioned in the plan handbook. But, it is advisable to do so afterconsulting the doctor in this regard.It is also very important to read the terms and conditions of the insurance policy clearly, beforesigning up for one. This is to ensure that your hard-earned money is not invested in a policy thatdoes not meet your needs. It is also important to bear in mind the fact that decisions pertainingto what will be and what will not be reimbursed are made by the company, and not by thedoctor. So, even when a shadow of a doubt about the policy arises, it is advisable to call theinsurance company for support.In conclusion, when considering the purchase of health insurance it is important to consider allof its merits. One has to realize that the money that is involved in purchasing a medicalinsurance is very little, when compared to the cost incurred in undergoing some major medicalservices. Moreover, insurance policies may also be tax deductible, in which case you can besaid to be paying for your policy with money you might have otherwise given to the tax man.These are some of the financial incentives of having an insurance policy. Excluding theprotection to family and oneself, however, the greatest benefit is that possessing a healthinsurance policy would also ensure peace of mind to the policy holder, a significant抰psychological benefit. In light of all these advantages, it really wouldn be such a bad idea toown a health insurance policy.Title:How To Get Cheap Health Insurance Online In CaliforniaWord Count:658Summary:Approximately 19% of the population of the state of California has no health insurance. This isa serious problem and for someone facing a health crisis, it can mean possible bankruptcy.There are ways to find cheap health insurance in California and a wonderful resource is theInternet.

Almost every health insurance company in California has a website that provides access tono-obligation quotes. In addition, many of these sites offer visitors reading material that is rel...Keywords:Article Body:Approximately 19% of the population of the state of California has no health insurance. This isa serious problem and for someone facing a health crisis, it can mean possible bankruptcy.There are ways to find cheap health insurance in California and a wonderful resource is theInternet.Almost every health insurance company in California has a website that provides access tono-obligation quotes. In addition, many of these sites offer visitors reading material that isrelated to health insurance. Reading this before deciding on a policy can be incrediblybeneficial in terms of helping the consumer understand the health insurance options that areavailable to them.抰If you are someone who is in fairly good health and you don often visit the doctor, a majormedical plan may be the best way for you to get cheap health insurance. This is particularly trueif you opt to pay for your doctor visits yourself and you take a higher than normal deductible.Most insurance companies will have available a form on their website for potential clients toutilize when requesting a quote. Asking for a quote on major medical will typically yield a lowpremium rate.Prescription drug coverage can also be costly so opting not to include this when gatheringquotes online can yield lower costs too. This is only an advisable approach for someone in verygood health who only takes prescriptions occasionally if they are suffering from an illness. Forsomeone who is on regular medications for an ongoing condition such as a cardiac problem orarthritis, prescription drug coverage should always be purchased.Another way to cut costs is to purchase a plan that has a limited lifetime benefit. This meansthat the claimant is restricted to a limit on how much coverage they have over the course oftheir life. If you have no family history of serious medical problems, a policy like this may besufficient for your needs.As with most other states, group health insurance is the best choice for residents of California.Not only does group insurance offer lower rates than individual plans, but the waiting period fortreatment of an already existent medical problem with group insurance in California is sixmonths as opposed to the year wait people on a private plan would have to endure.Unfortunately not everyone in the state is eligible for coverage under an employer sponsoredgroup plan and for them, private health insurance is the choice. Knowing what to look for whencomparing low cost health insurance plans is very helpful and can aid anyone in determiningwhich plan is best for them.Cost is likely to play a huge role in the decision of which health insurance provider is best. Thisis the reason contacting as many insurance companies as possible for quotes as prices can vary

by as much as fifty percent from one company to another. When asking or quotes be prepared抳to answer some broad health related questions including any serious illnesses you e suffered抣from. Once you do choose an insurance company, you l be required to fill out a more detailedhealth questionnaire.Also ask about payment arrangements and any service charges you would be responsible for.Some insurance companies prefer to be paid once a year while others will offer a monthly抯payment arrangement for their customers. It advisable to pay with the method that ensures抰you aren charged any fees. This can actually save the average consumer more than a $100per year.Each insurance agent you contact should also be asked about the claim filing process. Someinsurance companies charge their clients a processing fee for a company representative to fill抰out a claim form. If this is the case, ask for any available discounts for clients who take on thepaperwork themselves. Again, these fees are something you don need to pay and not doingso will save you money.Title:THE IMPORTANCE OF SEXUAL HEALTH IN MEN AND WOMENWord Count:488Summary:Intoduction on sexual tendencies of man and woman; definition of sexual health according toWHO; male sexual health, introduction to factors under mens sexual health; introduction onfactors regarding woman's sexual health.Keywords:Sexual healthArticle Body:Being made as two different human species, a man and a woman is subject to compatibility andis made to connect with each other, often leading into intimate relationships and eventually,getting married. Many characteristics are taken into consideration. All couples are intended toshare similar interests, such as in mental growth, spiritual growth, psychological aspects, andof course in a physical or a sharing of intimate moments. These are all considered normal by thesociety, since it is our nature as human beings. Intimacy begins as early as adolescence, believeit or not. But of course, teenagers begin to get curious sexually, as they grow old.Getting into an intimate relationship, or if the couple is sexually active, usually involves animportant factor that we really should take importance of, which is our sexual health, both forthe man and the woman. There are differences on men and women, but sexual health isprimarily important for the two.

揳The World Health Organization, (WHO), defines sexual health as state of sexualityconnected to emotions, also as physical, mental and in social well-being; not only in absence ofdiseases, in a state of bad condition, nor dysfunction. Sexual health needs an optimistic,regardful approach to sexuality, and intimate relationships, considering also the expectation ofhaving pleasurable and safe sexual occurences, without discrimination, coercion, and violence.In order to achieve and maintain sexual health, all the sexual rights of each person must berespected, defended, and fulfilled.In this case, sexual health is in tune to two different cases, man and woman. We differ in nature,mainly more on the physical aspects with regards to sexual health. A man's health in termsof sex usually refers to factors such as issues on prostate health, and also on chronic diseases, aswell as reproductive and sexual functioning issues such as erectile dysfunction, or infertility.Aging, medications, and of course pleasure, are also considered. They often complain ofillnesses such as erectile dysfunction, prostate problems, ejaculation issues, penis and testicularhealth, and infertility. Other sexual topics related to this includes: orgasm, pleasure, desire,masturbation, contraception, supplements and medications, and also their body image.For the woman, it is mainly due to the fact that they are birth givers, which naturally takes placefor them once or even more during their lifetime. Pregnancy is a major event for a woman andthat alone should need a good record to track their health. Initially, both menstruation and breasthealth are critical to a woman's body. These may give sexual desire for men, but it is alsoimportant to be in good health for a normal and healthy offspring. During sexual activity,women sometimes feel pain, and this too should be considered as well. Gynecological concernsare important also, since it is the cleanliness and health of the woman's vagina. Other concernsalso include desire, pleasure, orgasm, contraception, much similar to those of men.