Companies Move From Health Insurance To Health Savings Accounts

Title:Companies Move From Health Insurance To Health Savings AccountsWord Count:362Summary:One of the largest issues facing the nation right now is the rising costs of health insurance.Many people can not afford to buy health insurance, because the premiums have been driven upto unimaginable heights over the last decade or so. Many companies are trying to help shoulderthe burden of the large premiums by paying a certain percentage of the total cost every monthfor the employee. Many of these companies have tried to work around this problem in manyways.Large...Keywords:Article Body:

One of the largest issues facing the nation right now is the rising costs of health insurance.Many people can not afford to buy health insurance, because the premiums have been driven upto unimaginable heights over the last decade or so. Many companies are trying to help shoulderthe burden of the large premiums by paying a certain percentage of the total cost every monthfor the employee. Many of these companies have tried to work around this problem in manyways.Larger companies have tried to dodge the growing health insurance premiums by changing therequirements for employees to receive benefits. Many companies are making it harder forpeople to receive these benefits. Some companies are requiring the employee to work morehours per week than they used to have to work to receive benefits. Other companies arerequiring that an employee work for the company for a longer period of time, before they areeligible for benefits.Both of these approaches will save the company on health insurance costs, because they willnot have to cover as many employees. However this is not the best approach for employees,because it makes it that much harder for them to obtain health insurance. Many other companiesare trying to lower health insurance costs a different way.I used to work for a company that had very inexpensive health insurance, and thensupplemented it with a health savings account. The health insurance had very low premiums,but the deductible, and payouts for the health insurance were not very good. However thecompany would set their own deductibles, and co-pays, and then they would take money out oftheir health savings account to reimburse the employee the difference. This was a very goodsystem, because they were not paying as much money out each month on premiums. Theywould only have to spend money from the health savings account when the employee actuallyneeded it. Their goal was to eventually cut out the health insurance plan completely when thehealth savings account had grown large enough. At this time, the company would then save aconsiderable amount of money in premiums every month.Title:How Fatherhood Contributes To Fitness And Healthy LivingWord Count:439Summary:When speaking about fitness and healthy living, most men usually think of the stereotypedimage of a guy eating a balanced diet, going to the gym regularly, and engaging into sportsactivities. All right, if you want to be different, you'll probably choose yoga, ballroom dancing,carpentry, or even pottery as your means to exercise, relieve stress, and fight boredom. Butyou'll probably do a lot of sneaking when you want to do some unique stuff. Yet the truth is thatmale hea...Keywords:fitness and healthy living, male health

Article Body:When speaking about fitness and healthy living, most men usually think of the stereotypedimage of a guy eating a balanced diet, going to the gym regularly, and engaging into sportsactivities. All right, if you want to be different, you'll probably choose yoga, ballroom dancing,carpentry, or even pottery as your means to exercise, relieve stress, and fight boredom. Butyou'll probably do a lot of sneaking when you want to do some unique stuff. Yet the truth is thatmale health is not only limited to diet or doing exercises or sports. For, there are other aspectsof a man's life that directly or indirectly influence his health. No wonder, fitness and healthyliving is a must for every man.If you're a father, you may be wondering how that role affects your over all fitness and healthyliving. Of course, expecting and having your first-born child is a mixture of excitement,happiness, and worry. Yet as the number of your kids increase and you start to face the toughchallenges of parenting, you'll probably give a more serious thought on your role as a dad.You'll have to quickly master multitasking as you change diapers, feed your kids, watch them asthey run around the house, or reprimand them when they get excessively naughty. Is fatherhooddoing good or bad things to men's health?Generally, fatherhood creates positive changes to the entire male health. This is true comparedto men who aren't married or who don't have kids yet. Of course, this does not mean that singlemen aren't as equally healthy as married men. However, being a father gives you a certain edgein terms of fitness and healthy living. In fact, fathers who spend quality time with their kids aremore likely to experience greater happiness and fulfillment. The responsibility of being a fatheralways changes the lifestyle of men. They no longer work nor live for their wife, but for theirentire family. In this case, they may start to drop unhealthy practices such as smoking anddrinking in order to set a good example for their kids. Moreover, their desire to watch and bewith their children as they grow will inspire them to maintain their health and live longer.Hence, they'll find more reasons to eat healthy foods, exercise regularly, drive carefully, andvisit their physician regularly. Of course, the joy of men is even doubled or tripled when theystart to have grandchildren. Things keep on getting better as their family grows. It goes withoutsaying that fitness and healthy living is still maintained when a man becomes a father.Texas Pet Health InsuranceThe general population thinks of cowboys, Quarter Horses, rattlesnakes, Brahma bulls, andLonghorn steers when they think about the livestock and pets typically found in the Lone StarState. When they think of pets they probably think of Australian Heelers, Heinz fifty-sevenmixes, barn cats, and other ranch related working animals. What you probably don't think of isEnglish Cocker Spaniels. You should. Texas A&M University School of Veterinary Medicinejust announced that they have a new genetic test for Familial Nephropathy in English CockerSpaniels.Familial Nephropathy is an inherited renal disease that is recessive. Breeders of English CockerSpaniels have been aware of Familial Nephropathy for more them fifty years. Typicalsymptoms of Familial Nephropathy are excessive drinking, excessive urination, the dog issuddenly loosing weight because they don't have much of an appetite, vomiting and diarrhea.

Most signs of Familial Nephropathy start to show up when the dog is somewhere between sixand twenty-four months old.Dogs that are going to develop Familial Nephropathy are difficult to predict because they areborn with two completely normal kidneys. As the dog grows and develops the kidneys start todeteriorate from the lack of a certain type of collagen.Familial Nephropathy is normally fatal. Because it is a genetic disorder most pet healthinsurance plans will not cover the cost of any treatments the dog owners wish to pursue. Inaddition to researching Familial Nephropathy Texas A&M University sees over 11,500 smallanimals a year. That is 11,500 pet owners that could have saved money by purchasing a pethealth care policy for their family pet.Some pet owners in the state of Texas like snakes, the more exotic the snake is the happier thepet owner. Like with all pets there are certain health care needs that snakes have that other petsdo not. Typical snake health care issues can be respiratory infections, eye infections, miteinfestation, metabolic bone disease, abscesses, belly burns, and parasites. The problem withpet snakes and other pet reptiles is that signs of health care issues are not as easy to identify aswith their mammal counterparts.A big part of maintaining the health and well being of your pet snake is finding a veterinarian.One of the first things you need to do when selecting a veterinarian for your snake is makingsure they are comfortable around snakes. The reality of the world is that everybody has phobiaand lots of people are phobic about snakes. If your veterinarian is uncomfortable handling yourtreasured snake they will not be able to accurately diagnosis any health problems it might behaving.In addition to the typical dogs, cats and horses, many Texans also have exotic pets such asferrets, wallabies, glider squirrels, and Coatimundi's. People who purchase exotic pets shouldrealize that the more exotic the pet the harder it is going to be to find the proper veterinary careand the more the veterinary care is going to cost. Before you purchase an exotic pet you mightwant to research how much you could potentially spend on veterinary care during the pets lifetime and find out if it is possible to purchase a pet health insurance plan.