Everything You Need To Know About Choosing A Health Insurance Plan

Title:Everything You Need To Know About Choosing A Health Insurance PlanWord Count:619Summary:The purpose of health insurance is to protect you from the alarming cost of medical care byproviding you with insurance coverage for specified health and medical care services. Generally,you will pay a monthly premium, a deductible, and co-payments for services you receive. Thecost for insurance is significantly less than if you had to pay for medical care out of your pocket.There are three basic types of health insurance, fee for service, consumer-directed, and managedc...Keywords:Helth Insurance, Life InsuranceArticle Body:The purpose of health insurance is to protect you from the alarming cost of medical care byproviding you with insurance coverage for specified health and medical care services. Generally,you will pay a monthly premium, a deductible, and co-payments for services you receive. Thecost for insurance is significantly less than if you had to pay for medical care out of your pocket.There are three basic types of health insurance, fee for service, consumer-directed, and managedcare. These basic types of insurance plans cover hospital, medical, and surgical expenses, and

depending on the particular plan you choose, possibly prescription drugs, mental/behavioralcare, and dental.A fee for service plan means the health care professional you choose will be paid a fee for eachservice provided to you. You can choose your own doctor and the insurance claim can be filedby either the doctor or the patient. A managed care plan will provide coverage to their membersand offers incentives for patients who choose doctors participating in the plan's network. The 3types of managed care plans are HMOs, PPOs, and POS plans.An HMO allows you to receive medical care through a network of participating physicians.You will generally select a primary care doctor, who will then refer you to a specialist whennecessary. A PPO combines various features of an HMO and a fee for service plan. Memberscan choose from network doctors and pay lower upfront expenses, or choose any doctor theydesire and pay more out of pocket expenses. A consumer-directed health plan gives membersmore choices and options in making health care decisions. Consumer-directed plans include ahealth account or fund designated for health care expenses. At the end of each year, unusedfunds will roll over to the next year.A health insurance premium is the fee paid to the insurer to purchase health coverage.Premiums can be paid monthly, quarterly, or annually. Deductibles are the amount you will payfor covered services within a certain time frame, according to the terms of your plan, before youwill be entitled to insurance benefits. Members with a high deductible may have to pay the firstone thousand dollars of yearly medical expenses before the insurance would begin to pay, andthose with a higher or lower deductibles would pay more or less, depending on the particularamounts specified in their plan. A co-payment is a stated amount or percentage that must bepaid by the member along with each doctor visit, medical procedure, or prescription. Forexample, if your specified co-payments are $25, you will pay the first $25 of each doctor visitand your insurance would cover additional charges. Most insurance plans specify a differentco-payment amount for prescriptions, doctor visits, and hospital or surgical care.In choosing which type of health insurance plan is right for you, you must consider theaffordability of doctor visits and hospital care, the amount of the monthly premium, the amountof the deductibles, and the amount of the co-payments. Make sure the plan you chose offerscoverage for services you will actually use such as doctors, prescriptions, laboratory costs,treatment for preexisting conditions, and out-of-network care. Check the rating of the insurancecompany in question, the number of patient complaints in the past year, doctor drop out rates ifthe insurance plan includes a network, and the number of members who have dropped out of theplan in the past year. Health insurance that is subsidized by your employer is generally the leastexpensive, but if your employer does not offer health insurance, you should consider anindividual health insurance policy. The cost of medical care is far too expensive to risk nothaving health insurance.揊Title:How To Tell If A Health Product Is or Real?Or Not, Part 1Word Count:303

揟Summary: ake our dodo bird poop extract and your cancer will be cured!?Oh, no. It's ANOTHER揻miracle cure! Natural potents claiming miraculous results seem to abound these days. It'soften times hard to tell if a product is or real?or not. Here are a few pointers that should helpyou choose effective nutritional products instead of hyped up trash.The first factor you'll wish to look at is scientific research on a product. Ask the company orsalesperson for scientific researc...Keywords:supplements,nutrition,health揟Article Body: ake our dodo bird poop extract and your cancer will be cured!?Oh, no. It's ANOTHER揻miracle cure! Natural potents claiming miraculous results seem to abound these days. It'soften times hard to tell if a product is or real?or not. Here are a few pointers that should helpyou choose effective nutritional products instead of hyped up trash.The first factor you'll wish to look at is scientific research on a product. Ask the company orsalesperson for scientific research on their product.First of all, if there have been no scientific studies done on the efficacy of the product, be verywary.If there are scientific studies that show good results from using the product, you should check avery important element in the scientific studies ?were they performed using the exact productthat you are considering buying?揂For example, a salesman may give you a study showing excellent results with loe Vera?However, the study was most likely performed using fresh aloe vera, not the particularaloe-derived product that you are considering buying. This is very important, because there aremany things that a company can do or not do (even without knowing it) in between harvestingthe plant and you buying the product that could render the product useless.That brings us to the second factor to consider, which is processing. How is the productprocessed? Is it processed in a way that ensures that when you purchase it, it still has all of thenutrients that it should in it?It can often be difficult to determine if a product is processed properly. So you'll often have tomake your decision based on other factors. For example, if you have scientific studies showingthat the product gives good results off the shelf, it is apparently processed correctly.Title:Tips to Succeed With Your Healthy New Year's Resolution

Word Count:232Summary:Exercising more. Eating nutritious foods. Stopping a smoking habit. With health-consciousactions topping our New Year's resolutions every year, why do we always seem to not meet ourgoals, going back to old habits?Keywords:Tips to Succeed With Your Healthy New Year's ResolutionArticle Body:Exercising more. Eating nutritious foods. Stopping a smoking habit. With health-consciousactions topping our New Year's resolutions every year, why do we always seem to not meet ourgoals, going back to old habits?Some experts believe the failure to succeed with a resolution may be because we don't have agame plan. But the following tips will help start the new year with a strategy to maintain ahealthy goal.* Be committed, yet realistic. Dedication is an important driving force in keeping you on trackof your resolution. However, unrealistic goals, such as being able to run a marathon after twoweeks of training, can easily burst your spirit. Make sure your resolution is reasonable.* Make it easy. Though maintaining your resolution can be hard, there might be a tool thatmakes it easier to accomplish. For example, you can fulfill a resolution to practice good oralcare with the new HydraBrush Express, an electric toothbrush that takes 40 seconds or less touse.Developed by Oralbotic Research Inc., the HydraBrush Express cleans all six surfaces of yourteeth simultaneously. The toothbrush uses automatic bristle positioning, massages the gums andhas brush heads that move at 810 strokes per minute. To use it, you bite into the brushes andguide the handle toward the back of your mouth. With daily use, you can enjoy whiter teeth,healthier gums and a decrease in plaque.