Important Points to Ponder Before Buying a Health Insurance Plan

A health insurance plan is an essential part of financial planning in this era of skyrocketing medical costs. Medical inflation has been aggravating at its full spree which makes it all the more important to buy a Health Insurance plan which could sponsor the hospitalization and medical treatment bills or expenses.

It is important to evaluate and look for the following parameters to get a best health plan for you and your family.

1. Check for the Waiting Period Clause

You must be feeling care free after taking an insurance, but your health insurance comes with a waiting period clause for specific conditions. There is an initial period clause which says that any hospitalization claim will not be admissible in first 30 days of the policy commencement apart from accidental hospitalization.The pre-existing diseases or conditions are also not covered immediately after you purchase a policy.There is a waiting period ranging from 2 years to 4 years as per the plan conditions in the industry. Also, there are certain surgeries and treatments like hernia, cataract, joint replacement, etc. which can be treated after a specific waiting period of 1 or 2 years.

So,it is important to check the waiting period clause before you finalize the health plan.

2. Check for Sublimits

There are certain capping or sublimits in your health plan which says that the specific kind of expenses are paid by the insurance company upto a specific limit and beyond that the insured or customer has to bear them at his own. For example: Room rent charges are capped on per day basis for different health plans. Some health plans also come with a mandatory co-pay where the portion of the admissible claim is to be borne by the insured and the remaining is paid by the insurance company.

Check for the sublimits in your health plan to avoid any last minute surprises at the time of claim.

3. Check for Network Hospitals

The insurance companies offering health plans have certain empaneled network hospitals with whom they have a tie up. Any hospitalization or treatment taken in the mentioned or specified network hospital list is done on the cashless basis subject to policy conditions.

Check for the list of network hospitals of insurance company and ensure you have network hospitals of the insurer near your place of residence in case of any emergency hospitalization. Also, a treatment in non-network hospital may not offer cashless treatment and some insurers have a co-pay clause if you take a treatment in non-network hospital.

4. Check for the Claim Process

Different insurance companies have different claim procedures. Some settle or administer claims through Third Party Administrators (TPA’s) and some have their own in house claim settlement unit to foster quick and hassle free claim processing. Also, check the claim settlement ratio of the insurer you intend to buy a health plan from to have a clear picture on the number of claims settled by the insurer.

It is important to have a handy information on claims procedure to have a smooth and hassle free treatment in the times of hospitalization.

5. Compare & Buy Online

It is important to take a right buying decision which can be done by comparing the available health insurance plans online. You can compare the price, key features, policy benefits, value added benefits, eligibility, exclusions,etc. of multiple health insurance plans to make a right informed choice of your own without any interference of the agents. Buying online health insurance plan is a hassle free process which required least documentation and quick policy processing. There are certain online portals which will enable you to make an easy comparison and will assist you in choosing the right Health insurance plan.

Online buying of the health plan is economical as companies offer discounts on premium for buying a policy online. The reason for an insurance policy to be cost effective if bought online is because the intermediary cost of the premium component is removed. When there is no intermediary in between, Co.’s save on the commission and policy issuance cost, which the Co. transfers it to the customers.

Travel Viajes Group es uno de los mejores agencias de viajes en Mexico. Travel Viajes Group les ofrece variedad en paquetes y calidad en el servicio. Somos una agencia de viajes confiables. Tenemos tours, paquetes, ofertas a todos los destinos. Viajes a Cuba,Viajes a Cuba desde Mexico, Viajes a Cuba todo incluido, Viajes a Cuba baratos, Viajes Travel Viajes Group te lleva a diferentes destinos nacionales y internacionales. Travel Viajes Group es tu agencia de confianza y de calidad. Tenemos ofertas, paquetes y tours a todo al mundo. Meses sin intereses con tarjetas santander, bancomer

Accident Health Insurance – Plan For the Emergency Room

Accident health insurance supplements are being used to cover upfront injury related expenses for the ER. Plans can be used to compliment an existing health insurance policy or just as a personal injury plan to pay for any unexpected ER visits or surgeries.

Many Americans are concerned with insuring the everyday mishaps like bodily injuries and emergency room coverage. Of course, insuring things like Cancer and Heart Attacks are important, but for younger adults and especially kids, emergency room visits are far more prevalent. Unfortunately, a trip to the emergency room isn’t cheap and the healing process from a serious bodily injury can be exhausting. Damaged body parts often need to be surgically corrected and the post operation Physical Therapy sessions feel like a Sylvester Stallone Rocky Movie. I’m not going to lie, the Rocky Four soundtrack got me through my Physical Therapy workouts post ACL Knee surgery.

Health insurance for the self-employed is especially complicated when it comes to emergency room visits. To qualify for a Major Medical PPO plan one must go through underwriting and medically qualify. Assuming you get approved, you’ll need to select a deductible and plan style. The most cost effective PPO policies in the individual health insurance market are the HDHP (High Deductible Health Plan) plans. Deductible is the out of pocket expense the insured has before the health insurance policy picks up the bill. PPO stands for Preferred Provider Organization and is the type of health insurance that lets you choose any doctor. Choosing any doctor isn’t necessarily true, theirs a lot of gray area with “being in network or out of network” with PPO’s.

Deductible options for individuals in the PPO market are $1,500, $2,500, $3,500, and $5,000. Typical family deductible options are $3,000, $5,000, $7,000, and $10,000. You’ll want to choose a co-insurance of 100%. Co-insurance is the shared expense between you and the insurance company after the deductible. Most people are familiar with 80/20 % co-insurance. 100% co-insurance is popular because you won’t need to understand Calculus to figure out any future hospital bills. Insurance plan picks up 100% of the bills after deductible with this option. On a side note, it’s a good idea to set up a Health Savings Account. HSA’s have some decent tax advantages and you can set up an account equivalent to the deductible amount. So a $10,000 HDHP can have a $10,000 health savings account attached to it. The yearly max contribution to the health savings account is determined by your HDHP deductible. Ask your CPA about health savings accounts if your self-employed.

Higher deductible health insurance plans have lower monthly premiums. However, with that high deductible comes risk of having to owe that deductible amount if you use the health insurance. A $5,000 dollar deductible hospital bill is one broken bone away. Guess how a lot of Americans end up paying that HDHP $5,000 deductible? You guessed it, in the emergency room from a accidental bodily injury.

Accident health insurance supplements have been doing a good job filling this ER gap for years. Other names used for this plan include personal accident insurance, emergency room insurance supplement, accident medical coverage, personal injury insurance plan, 24 hour accident coverage, and accident supplemental benefit plan. These plans are under marketed in my opinion, and most licensed health insurance agents are doing a disservice to their clients if they don’t bring it up. I say this because so many people are shelling out a lot of money each month to insurance companies, and if they actually use the insurance could be stuck with a huge deductible bill.

Opposite the PPO health insurance industry is Guarantee Issue insurance products. Emergency room insurance supplements fall into this category and are automatic approval. Online applications have zero health questions but do need social security numbers and birth dates. This type of guarantee issue accident medical expense coverage is an indemnity. Indemnity’s compensate members with a predetermined benefit amount.

Personal injury insurance plans in this category are membership based associations. The membership organization helps individuals and families in the United States gain access to discount programs and in this case, the pound for pound most practical emergency room insurance supplement I’ve seen so far.

Each association member can choose a benefit level of accident coverage to fit their monthly budget or to match the HDHP deductible. Plans cover the HDHP deductible giving high deductible health plans a virtual zero deductible effect. Remember, a lot of HDHP’s max out deductibles from ER visits due to injuries. ER plan pays injury related expenses to pay off the PPO deductible. Again, plans only cover ER related expenses due to injury and not sickness.

Members can choose a emergency room coverage level of $2,500, $5,000, $7,500, or $10,000. Accident compensation benefits pay out per injury and have no limits on use. Typically a person will have a $100 dollar deductible per covered accident. ER policy pays up to the $2,500, $5,000, $7,500, or $10,000 per accident excluding the $100 deductible. In simple terms, you’ll owe $100 dollars for any covered injury assuming the bill doesn’t exceed the policy benefit max of $2,500, $5,000, $7,500, or $10,000.

Here’s some figures on what the leading personal accident insurance dues are. Indemnity plan rate increases are seldom because it’s an association based health insurance product.

-$24 dollars a month: $5,000 benefit individual plan.

-$29 dollars a month: $7,500 benefit individual plan.

-$36 dollars a month: $10,000 benefit individual plan.

-$35 dollars a month: $5,000 benefit family plan.

-$41 dollars a month: $7,500 benefit family plan.

-$47 dollars a month: $10,000 benefit family plan.

(family policy prices include everyone, it’s the same price for a 3 person family or 12 person family)

It doesn’t matter what accident health insurance plan brochure you pick up, all plan brochures EOB (Explanation Of Benefits) page say the same important benefit: Members may choose any Doctor, Hospital, or Emergency Room. Since this is accident indemnity, benefits have no restriction on health care providers to choose from. Accidents are unpredictable and so is knowing what emergency room you’ll be showing up at. I can’t imagine accident plans would sell if they came with some lame network provider booklet of acceptable doctors. This brand of accident coverage is 100% portable and can be used up to two months outside the United States while traveling abroad.

Accident Plan benefits at a glance:

-Hospital Emergency Care

-Doctor’s fee for surgery (in and outpatient)

-Laboratory Tests.

-X-Rays and MRI’s.

-Ambulance Expense.

-Registered Nurse.

-Hospital room and board.

-Operating Room Costs.

-Anesthesia.

-Prescription Drugs.

-Physical Therapy (super important post operation)

-Doctors visits (inpatient and outpatient).

-Dental treatment for injury to sound natural teeth.

-Splints, Crutches, and Casts.

Adam Santi has been a licensed medical insurance broker since 2004. Adam is also a Gracie Jiu-Jitsu Black Belt and has become an expert on getting himself injured, being tapped out, and going to the emergency room. Check out my website to apply online to the industries leading accident health insurance supplement.

Diet And Exercising For Weight Loss

Obesity is now being called an epidemic in the health community. In fact, it will soon be the leading cause of preventable death in the United States, even ahead of cigarette smoking. Obesity leads to type two diabetes, high blood pressure, heart disease or stroke and even an increased risk of cancer. With all of these health risks, as well as the general improvement in the quality of life that can occur, losing weight is one of the best things that you can do for yourself.

No matter what we would like to believe, there simply isn’t a magic solution to losing weight. The body will shed excess fat when it needs more calories to function through the demands you place on it in a given day than the amount of calories that you feed it. It’s that simple. So, in order to lose weight, you need to decrease the number of calories that you eat as well as increase the amount that you burn.

There is a wide range of options to choose from when looking for a weight loss program. All of them often spend a lot of time explaining what to eat, in what amounts and even at what times or in what combinations. But few of them emphasize the importance of exercise – not just for losing weight, but for your general health and wellbeing. Exercise is vital when trying to lose weight for several reasons:

First, as you start to eat less, your metabolism will slow down somewhat. Exercising helps to elevate your metabolism back to an efficient level.Second, as mentioned, exercise burns more calories so that you can lose weight faster and stay motivated in your efforts.Third, exercise actually releases endorphins, chemicals that keep your mood elevated.

Exercise doesn’t have to mean spending hours at the gym or straining through exhausting workouts. In fact, in order for you to stick with it on the long run, exercising should be something that you enjoy. Start by increasing your activity level in an overall way. Take the stairs when you can. Park further from the mall door when you go shopping. Go for a walk in the park or through a neighborhood you love and bring a dog or a friend along for company. Take dance or martial arts lessons.

Once you become more active in general, you’ll find it easier and more natural to move into regular exercise. Which you’ll need to do eventually in order to get regular, noticeable health benefits. You need to raise your heart rate to a fat burning level and keep it there for at least 20 minutes, 3 times or more a week. However, if you don’t want to go to a gym, there are other options. Videos and DVDs are now available in all kinds of exercise types. That way you can change your routine whenever you want so that you don’t get bored with what you’re doing. Try a range of aerobics, kickboxing, yoga, or pretty much any activity you want right in the comfort of your own home.

If you have physical limitations that would keep you off from exercising, you can still find a way to increase your activity level. Water aerobics is a wonderful option for those who have joint problems or limited mobility because it relieves the pressure on your body that your weight provides. But you still get the resistance to challenge your muscles from the water. There are even classes and videos available that let you exercise in a seated position.

Whatever kind of exercise you choose, it’s important to stay motivated and keep it fun. Try gathering a group together to make it a social event. Or get a pedometer, a device that tracks how far you walk, and see how many miles you can walk a week. Make a competition amongst your friends or family members and treat the winner with something special (not food related!). Make the experience of exercising something that you look forward to, and it will soon become a regular part of your healthier lifestyle.

The Best Treatment For Acne Vulgaris Tca Skin Peels Used By Plastic Surgeons Everywhere

Acne vulgaris (acne) is a condition, popular with teens and young adults, that is characterized by red, inflamed bumps and patches. These bumps and patches are formed by overactive sebacious glands (usually due to hormonal imbalances), high skin pH, oil, and basteria that thrive in these conditions. This acne can be worsened by summer heat, improper cleaning, itching and picking at the bumps (they are not pimples and will only get worse when picked at), pH imbalance, bad nutrition, etc…

By changing our habits we can improve this condition. Using mild soaps and cleansers will prove less irritating. Eating a well balanced diet will average out the condition and slowly improve it. And we all know not to pick at acne postules and bumps, but to stop it and possibly cure it we have to get to the source deep in the skin.

Surface treatments like benzoyl peroxide creams and solutions are at best minimally effective and can further irritate the condition. We need to get several layers down to the source, the bacteria, inflamation, and the sebacious glands where acne forms.

Plastic surgeons know that glycolic and salicylic peels are better than hydrogen peroxide treatments, but they will not reach the source. This is where plastic surceons and doctors use TCA peels (trichloroacetic acid) which is a deeper peel to reach the source, change the skin pH (which kills off the bacteria – they cannot survive in high acidity conditions), and increase skin regeneration by sloughing off several layers. TCA peels have been clinically prove to treat and cure acne better than any other treatment (including lasers and Accutane) without any of the horrible side effects).

TCA peels used to be something only the wealthy could afford, but not anymore. You can still go to your doctor and pay $500+ or you can do it yourself. TCA peels are the easiest, safest, and most effective of all the skin peels and are now easily available. For more details about TCA peels contact the author below or look it up on the internet. Get a TCA peel and start enjoying cleaner, more youthful skin and stop wasting your money on products that don’t work.

Skin Cancer Prevention 5 Ways To Protect Yourself From Uv Rays

Skin cancer prevention measures can actively reduce your chances of developing skin cancer if you implement them in your daily routine. The most common form of cancer in the United States, tens of thousands of Americans contract skin cancer every year.

Skin cancer comes in three forms: basal cell carcinoma, squamous cell carcinoma, and malignant melanoma. Of the three, melanoma is the most dangerous and life threatening. Skin cancer claims the lives of approximately ten thousand Americans on an annual basis.

What causes skin cancer?

Overexposure to ultraviolet sunlight (UV rays) is believed to be the dominant external factor in a person’s development of skin cancer, although genetic factors can play a role. To protect yourself from UV rays, you should take the following 5 steps for proper skin cancer prevention:

1. Avoid Direct Sun Exposure: Avoid exposing your skin to direct sunlight during midday (generally from 10am to 4pm). This is the time when UV rays are most intense. Plan your schedule to avoid outdoor activities during these hours. Also, be aware that sand and snow reflect sunlight, so if you’re at the beach or a ski resort, direct sunlight can bombard you from every direction with UV rays.

2. Cover Yourself: When out in the sun, keep your skin covered. Wear long-sleeves and long pants if possible. Wearing a hat with a 3 to 4 inch brim all around is preferable. This will guard your neck and cheeks from dangerous prolonged exposure. Also note that dry, dark-colored garments offer the best protection.

3. Use Sunscreen Properly: You should always use sunscreen when enduring prolonged exposure in the sun. Find a sunscreen with a Sun Protection Factor of at least 15 and read the directions for proper application. The higher the SPF, the higher the protection you will receive against dangerous sunburns. However, sunscreen does not offer “bulletproof” protection, and UV rays can penetrate water, so just because you feel “cool” in the water doesn’t mean you’re protected from sunburn.

4. Use Sunglasses That Block UV Rays: Making certain your sunglasses can block UV rays helps to guard your eyes from serious sun damage. The best constructed sunglasses should have a UV ray absorption rate of 99% to 100%. Never assume that darker lenses equal increased protection. UV rays are blocked by a chemical applied to the lenses. This chemical has nothing to do with the color of transparency of sunglass lenses.

5. Stay Away From Tanning Beds: It is a myth to believe that tanning beds and sunlamps are free of harmful UV rays. These cosmetic instruments might make your skin more attractive in the short-term, but they can significantly increase your risk of developing skin cancer in the long-term. Health professionals advise their patients to avoid them.

By implementing these 5 steps in your daily routine, you can significantly decrease your risk of developing skin cancer, while maintaining a healthy lifestyle that allows for proper exposure to the sun. Another important step in prevention of skin cancer is routine examination by a doctor. If skin cancer is detected early, then your odds of survival are markedly increased.

Diabetes Cause And Prevention

An individual may get diabetes when the pancreas can no longer secrete the needed hormones that produce insulin. The insulin maintains the glucose in the blood to be normal. Low insulin means that the level of glucose, which is sugar in the blood, may get high and may lead to diabetes.

The autoimmune reaction is a type 1 diabetes where the cells in the pancreas organ that produces the needed insulin are destroyed. This results to the total loss of insulin in the hormones. This happens because the body has its own hormones that protects and destroys its own pancreas cells.

Although there is no scientific proof why this occurrence in the pancreas happens, some studies have some theories that may possibly be related in this kind of reaction. Some say that this happens when there is exposure of a newly born to a cow’s milk, the infection from viruses and bacteria, and the exposure from food-borne chemical toxins. There is not enough evidence yet to prove some theories that may trigger the cause of diabetes.

The type 2 diabetes is said to progress when there is lack of insulin that is needed to maintain the blood sugar in the body. Another reason is believed to be that the needed insulin not be effective effective to control the blood sugar because of abnormalities in composition. The last reason is said to be that the receptors in cells no longer respond and fail to stimulate the organ that produces the needed insulin.

An individual is likely developing the type 2 diabetes when a person is overweight or obese. The increase of age of an individual is also considered a factor in acquiring this type of diabetes. Some few cases that may lead in this type of diabetes may include when a woman is having her pregnancy, or when a person have some intakes of medicines and drugs. In addition, any sickness or infectious decease that can alter the pancreas production of insulin.

There are some basic treatments for diabetes. These ways can serve an individual its important role in treating diabetes. Here are some ways on how a person can treat diabetes problems.

1. An individual must work thoroughly in obtaining his ideal body weight. Every individual must have a regular exercise and physical endurance tests. People who suffer from diabetes are recommended to be physically fit if possible. Exercises for the lungs and heart may help the person lessen the sugar that causes diabetes.

2. An individual must follow a diabetic diet program. Not being on the proper diet can be a great factor in acquiring type 2 diabetes. It is recommended that a person must lose weight if he is an overweight person. It is advisable that a person must be conscious of the food that he takes. Eat foods that do not have sugar content.

3. The option of the individual to have medication and seek the help of a doctor. Every diabetes patients that have type1 and type 2 diabetes can take insulin daily to sustain the insulin production of the pancreas. There is also the new insulin pump that continuously provides the much-needed insulin. There are also new medications that treat diabetes like the synthetic human insulin, Sulfonylurea drugs, Biguanides, Thiazolidinediones, Meglitinides, Alpha-glucosidase, and other drug combinations.

Diabetes can be prevented with the proper awareness and information regarding this illness. What is important is that a person must have a healthy diet and regular exercise to have a healthy body. Responsibility and discipline is needed to help oneself in overcoming this disease.