Buying Health Insurance In Ohio

Title:Buying Health Insurance In OhioWord Count:311Summary:Ohio residents are afforded certain protection when buying health insurance from a statelicensed insurer as a result of standards put in place by the Ohio Department of Insurance.Below are some of the standards you should be aware of when buying insurance:Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatientor outpatientMental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment.This ap...Keywords:Article Body:Ohio residents are afforded certain protection when buying health insurance from a statelicensed insurer as a result of standards put in place by the Ohio Department of Insurance.Below are some of the standards you should be aware of when buying insurance:Alcohol Treatment : There must be at least $550 per year in alcohol treatment whether inpatientor outpatientMental Illness : On an outpatient basis, there is a requirement for $550 per year for treatment.This applies only if the policy covers in hospital treatment of mental illness.Kidney dialysis : If an insurer provides coverage for dialysis in a hospital, it must also providethe same coverage for dialysis on an outpatient basis.Specific practitioners : Health policies in Ohio cannot discriminate against particular healthprofessionals. It must pay any licensed professional who legally performs a service. Thisincludes Chiropractor, dentist, nurse-midwives, Mechanotherapists, osteopaths, Optometrists,Podiatrists, Psychologists

Generic drug use : If a policy covers prescription drugs, it must pay for any legally approveddrug prescribed by your doctor even if it has not been approved by the government for treatingyour particular medical problem or disease.Pregnancy and Maternity : Insurance companies do not have to offer maternity benefits,However, when it is provided, it may never be considered a pre-existing condition. Although,under certain conditions, an insurer may impose a 270-day waiting period before providingmaternity benefits.Mammograms: Every major medical policy group and individual must cover mammogramsfor breast cancer screening in adult women.The frequency varies depending on age:Age: 35-39 One onlyAge: 4-49: One every two years unless your doctor has reason to believe you are a high risk forbreast cancerAge 50-64: one a year.This is subject to a maximum of $85 per covered mammogram.Please view our recommended insurance quote companies below. They are also great sourcesfor information about rates and coverages for most of the lower 48 states.Title:Health Insurance ?Different Types And WhyWord Count:303Summary:A health insurance policy offers financial help in case of a health challenge. In order to providecomplete service and development there are different types of services available depending onyour situation.Health Insurance ?What Is Available For You?抯?HMO or the Health Maintenance Organizations: offer health insurance with very lowpremiums. The disadvantage for this type of life insurance is that they do not coverimmunizations, mammograms and physicals.?Sh...Keywords:

Article Body:A health insurance policy offers financial help in case of a health challenge. In order to providecomplete service and development there are different types of services available depending onyour situation.Health Insurance ?What Is Available For You?抯?HMO or the Health Maintenance Organizations: offer health insurance with very lowpremiums. The disadvantage for this type of life insurance is that they do not coverimmunizations, mammograms and physicals.?Short Term Health Insurance: is a policy similar to life insurance. These policies can be takenout for specific lengths of times. The short term health insurance policy does not cover suchthings as pregnancy and childbirth.?Catastrophic health insurance: This type of life insurance policy is meant for people who havethe financial means to manage regular illnesses and hospitalizations. The deductible for thispolicy is quite large. In some cases there are caps on this type of policy in case of illness.?Preferred Provider Organization or PPO: This type of life insurance policy is a economic formof health insurance policy. PPO has a complete network of health care providers from hospitalsto doctors. When the insured takes treatment from his network of doctors he will be completelycovered. Outside of this network, he will get service but at a reduced rate.?Full Service Health Insurances: The best thing about this type of health insurance is that iscovers all types of illnesses and treatments regardless of the hospital or doctor. Depending onyour personal situation the policy premiums may be high or low.Health Insurance ?Consult Your BrokerDepending on your personal situation, and how much coverage you need, it is advisable toconsult a local life insurance broker to find out what kind of coverage would best work for youwhen selecting how to handle your health insurance.Title:Sleep Your Way To Better HealthWord Count:605Summary:There is much evidence to support the fact that the amount of time you sleep could bethe mostimportant predictor of how long you will live!

As a person who has been deep into nutrition for many years, the above statement was pretty抯 抰抯shocking to me. My own knowledge and sharing of nutrition do and don with othershasfocused primarily on eating your fruits and veggies, taking some good nutritional supplements,getting adequate exercise, and not being subj...Keywords:sleep, health, nutrition, longevityArticle Body:There is much evidence to support the fact that the amount of time you sleep could bethe mostimportant predictor of how long you will live!As a person who has been deep into nutrition for many years, the above statement was pretty抯 抰抯shocking to me. My own knowledge and sharing of nutrition do and don with othershasfocused primarily on eating your fruits and veggies, taking some good nutritional supplements,抯getting adequate exercise, and not being subjected to too much stress. But the right amount ofsleep as a predictor of longevity??? Well, here some things I have learned, much of thisacquired from a book, SUPER FOODS HEALTHSTYLE, written by Steven G. Pratt, M.D.,andKathy Matthews.抯A poll taken in the year 2000 by the National Sleep Foundation found that sleep debt is aproblem for more than half of America workforce. Their data suggests that in the last抳centurywe e reduced the average amount of time we sleep by 20 percent.抰Of course, I suppose that most of us recognize that if we don get adequate sleep for a nightor抰two, we may not function as well the next day. If we work a job where accuracy is superimportant, or if we are driving a long distance, we sure don want to be sleepy. And we mayeven realize that adequate sleep affects our immune system. With a lack of sleep, we may be抯more likely to get sick. But tying the optimum amount of sleep into various diseases and evenour longevity...well, maybe that another food for thought!In reality, sleep deprivation is taking a serious toll on our overall health! A sleep debt of merely3 or 4 hours in a week may have a direct bearing on the following:? Obesity? Coronary heart disease? Hypertension? Diabetes? Immune function? Cognitive performance? Longevity

You do not have to lose huge amounts of sleep before it takes a toll. One study found that揟sleeping less than 4 hours per night was associated with a 2.8 times higher rate of mortality formen and a 1.5 times higher rate for women. he author of this study also found that length ofsleep time was a better predictor of mortality than smoking, cardiac disease, or hypertension.Another study found that people who slept six hours or less a night had a 70 per cent highermortality rate over a nine-year period than those who slept seven to eight hours a night!How much sleep do we need?? A six to twelve year old will need between 10 and a half and 11 and a half hoursof sleep a night.? A teen-ager will require a little less sleep, probably around 9 or 10 hours a night.? An adult should be getting 7 to 8 hours sleep each night.In addition, it is better for you to sleep at night than during the daytime. In fact, sleepingbetweenthe hours of 10 P.M. and 6 A.M. is considered to be optimal. This allows for your body torestore its needed melatonin levels in a natural way.抯Melatonin is a natural hormone made by your body pineal gland. During the day the pineal搕isinactive, but when darkness comes, the pineal is urned on?and begins to actively producemelatonin. This writer believes that allowing your body to produce melatonin in a natural way,by sleeping at night, is much wiser for most people, than purchasing melatonin as a supplement.So, close your eyes at night to avoid diabetes, to lose weight, to strengthen your immunesystem,to feel better, and to live longer!