• China’s Drugmakers May Have a Long Way to Fall

    (Bloomberg) — Even after a plunge last month that wiped $46 billion off Chinese health-care stocks, domestic drugmakers may be far from their floor as a Beijing-led policy shift gathers pace.

    China’s plan to drive down generic drug prices through a centralized bulk procurement program is set to redraw the industry by forcing its thousands of small generic drugmakers to streamline and consolidate after decades of enjoying outsized profit margins.

    “There won’t be a second act for traditional generic drug makers in China,” said Dai Ming, Shanghai-based fund manager at Hengsheng Asset Management Co. “In the past, there was hope that these companies would benefit from more government investment in health care due to the aging population, but now these health-care stocks will be further hurt by policy and undergo a greater correction.”

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    Health-care stocks faced more pressure at the start of 2019. The MSCI China Health Care Index fell 4.2 percent on Wednesday, to the lowest level since March 2017.

    In order to survive the shifting landscape and rely less on generics — drugs whose patents have expired — many companies are scrambling to pump money into research and development. Discovering a new medicine allows companies to earn high profits for as long as the new drug is covered by a patent, balancing out the loss of revenue from the fall in generic drug prices.

    Chinese companies had been in a sweet spot. Among the top 100 generic drug makers, Chinese firms had a 74 percent gross margin and an 18 percent profit margin in the third quarter, compared with a global average of 55 percent and 9.5 percent, respectively, according to data compiled by Bloomberg.

    Regulatory Quirk

    The privileged position was due to the quirks of China’s regulatory system. While multinational giants had to wait years for approval to import their new drugs, the domestic generic makers could do a thriving business in copying, testing and getting local permission for the medicines.

    At the same time, the industry benefited because of the lack of a centralized system for quality control. Multinationals like Pfizer Inc. and AstraZeneca Plc could win more hospital tenders for their off-patent drugs, as they could more easily offer quality assurances for their higher-cost medicines. That kept prices elevated throughout the pharma sector.

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    Now, China has embarked on a pilot program in which major cities bulk-buy certain drugs together, forcing companies to bid for contracts and driving prices by an average of 52 percent, one by as much as 90 percent. Last week, Chinese Vice Premier Sun Chunlan said China would be expanding the program to cover more cities and drugs, as medicine prices must fall for health care to be affordable for the people.

    R&D Race

    Chinese companies that are already heavily invested in R&D stand the best chance of surviving the new landscape. Among mainland shares, Jiangsu Hengrui Medicine Co. has invested the most in research by far — amounting to 16 percent of revenue in the latest quarter. Guangzhou-based Yipinhong Pharmaceutical Co. is in second place with 8.4 percent. Zhejiang Jingxin Pharmaceutical Co., Chengdu Kanghong Pharmaceutical Group Co. and Tianjin Lisheng Pharmaceutical Co. have invested about 8 percent of sales into research.

    Among Hong Kong-traded shares, CSPC Pharmaceutical Group Ltd. has 8.14 percent of sales invested in research and Sino Biopharmaceutical Ltd. has 6.23 percent.

    At present, Jiangsu Hengrui gets 20 percent of its revenue from novel drugs and 80 percent from generics, a ratio it wants to flip, Lianshan Zhang, president of global R&D, said in an interview last month.

    But a successful novel drug can take decades to develop, and the Chinese pharmaceuticals are up against the deep pockets and research talent of the multinationals, who are now enjoying rapid approval from Chinese regulators for their new medicine.

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    And since their investment funds come from revenue generated by generics, the plunge in prices may set off a vicious circle, said analysts.

    “With generic drug revenue being compressed, there’s a chance that it can’t cover the necessary investment to transition to novel drugs,” said Huarong Securities Co. analyst Zhang Keran. “The market does worry whether or not there will be sustainable cash flow going forward.”

    (Adds stock action in fourth paragraph.)

    To contact Bloomberg News staff for this story: Rachel Chang in Shanghai at [email protected];Mengchen Lu in Shanghai at [email protected]

    To contact the editors responsible for this story: K. Oanh Ha at [email protected], Jeff Sutherland, Bhuma Shrivastava

    ©2019 Bloomberg L.P.

    From:  bloomberg.com


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  • 15 Best Places to Retire for Lower Healthcare Costs

    One of the biggest financial obstacles for retirees is paying for healthcare, according to a GOBankingRates survey. Healthcare in retirement can be expensive, with the average couple needing an estimated $280,000 after taxes to cover healthcare expenses over the course of their retirement, according to the Fidelity Health Care Cost Estimate.

    While there is no way to avoid medical expenses — at least not one that doesn’t involve ignoring your doctors — the variation in healthcare market costs from region to region do mean that where you’re spending your golden years can play a major role in what you can expect to spend. The study looked at those cities where the average annual healthcare costs per capita were under $5,000, then scored that data along with the average out-of-pocket costs and income for those age 65 and older to come up with a final ranking of cities where retirees could potentially pay less for medical care.

    15. Colorado Springs, Colo.

    Annual Healthcare Spending Per Capita: $4,984
    Annual Out-of-Pocket Spending Per Capita: $888
    Income of Age 65+ Households: $49,422

    Senior residents of Colorado Springs can pencil in almost exactly 10 percent of their annual income for the cost of their health insurance, with incomes just shy of $50,000 a year and healthcare spending just under $5,000 a year. The city very narrowly made this list as its average annual healthcare spending per capita was just $16 shy of the $5,000 cap for inclusion.

    14. Memphis, Tenn.

    Annual Healthcare Spending Per Capita: $4,644
    Annual Out-of-Pocket Spending Per Capita: $864
    Income of Age 65+ Households: $35,145

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    Seniors in Memphis are earning significantly less than seniors in many of the other cities included here, and with healthcare costs still on the higher end, they can expect to spend over 13 percent of their annual income on medical costs — among the higher rates of the cities included here. The good news for Memphis residents is that — with average costs on the low side — it’s one of the cities where $1 million lasts the longest in retirement.

    13. Austin, Texas

    Annual Healthcare Spending Per Capita: $4,946
    Annual Out-of-Pocket Spending Per Capita: $854
    Income of Age 65+ Households: $54,293

    The average healthcare spending in Austin is the second highest of the study, behind only Colorado Springs. However, with average incomes for retirement-age households at a healthy $54,000-plus, the percentage of total income devoted to healthcare is about 9.1 percent, among the lowest levels in the study.

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    12. Lexington, Ky.

    Annual Healthcare Spending Per Capita: $4,465
    Annual Out-of-Pocket Spending Per Capita: $902
    Income of Age 65+ Households: $49,214

    Lexington is notable for having relatively high out-of-pocket healthcare costs compared to other cities on this list. The $902 spent on average represents 20.2 percent of the total annual healthcare bill for the typical resident, the highest percentage of any city in this study. However, Lexington is still one of the cheapest places to retire across middle America despite those higher out-of-pocket costs.

    11. Reno, Nev.

    Annual Healthcare Spending Per Capita: $4,663
    Annual Out-of-Pocket Spending Per Capita: $822
    Income of Age 65+ Households: $45,707

    The Biggest Little City in the World isn’t just a place to consider for retirement if you’re interested in gambling and taking weekend trips to Lake Tahoe. It’s also home to an annual healthcare bill of $4,663, which constitutes a relatively affordable 10.2 percent of the average income for an age-65-and-older household.

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    10. Phoenix

    Annual Healthcare Spending Per Capita: $4,528
    Annual Out-of-Pocket Spending Per Capita: $827
    Income of Age 65+ Households: $44,300

    Phoenix is another area where the out-of-pocket costs for medical care are relatively high, with a little over 18 percent of the annual total for healthcare expenditures coming directly from patients. That’s the third-highest level of any city in this study.

    9. Seattle

    Annual Healthcare Spending Per Capita: $4,896
    Annual Out-of-Pocket Spending Per Capita: $749
    Income of Age 65+ Households: $54,325

    With the second-highest average income for senior households in the study, Seattle’s elderly population appears to be doing fine in terms of bringing money in. And although they have the third-highest annual healthcare expenditures of the cities on this list, it still represents just over 9 percent of their total income — the second-lowest proportion of these 15 locations. Still, with high overall costs, Seattle is one city where your retirement nest egg won’t go far.

    8. Las Vegas

    Annual Healthcare Spending Per Capita: $4,526
    Annual Out-of-Pocket Spending Per Capita: $764
    Income of Age 65+ Households: $41,969

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    Nevada residents likely can’t help but compare costs for Las Vegas vs. Reno, and such a comparison reveals that everything is lower across the board for Vegas. That does mean, though, that although Vegas residents are saving $137 a year on healthcare costs — including spending $58 less out of pocket — they’re also earning $3,738 less over the course of an average year.

    7. Portland, Ore.

    Annual Healthcare Spending Per Capita: $4,596
    Annual Out-of-Pocket Spending Per Capita: $755
    Income of Age 65+ Households: $47,775

    Portland’s relatively high income for senior households is paired with relatively modest healthcare costs and a relatively low portion of those being out of pocket. All of this is just part of why Portland makes the list of 15 cities you should consider for retirement.

    6. Baltimore

    Annual Healthcare Spending Per Capita: $4,484
    Annual Out-of-Pocket Spending Per Capita: $701
    Income of Age 65+ Households: $32,280

    Although annual healthcare costs under $4,500 are notable, it’s unfortunately not making a big enough dent for many elderly Baltimore residents. That’s because — with an average income of just $32,280 a year — healthcare is still taking up an oversized piece of their total budget. The average senior citizen can expect to pay out some 13.9 percent of their income in medical costs by year-end, the second-highest level of any city in this study. So, if the city life is getting you down, you might consider nearby Ocean City, Md. — one of the most affordable places to retire near the beach.

    5. Buffalo, N.Y.

    Annual Healthcare Spending Per Capita: $4,095
    Annual Out-of-Pocket Spending Per Capita: $741
    Income of Age 65+ Households: $31,909

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    Another city where healthcare costs and incomes are both low, Buffalo residents are spending about 12.8 percent of their income on healthcare on average — lower than some but still higher than many.

    4. Spokane, Wash.

    Annual Healthcare Spending Per Capita: $4,591
    Annual Out-of-Pocket Spending Per Capita: $697
    Income of Age 65+ Households: $43,831

    Spokane is one city where the out-of-pocket medical costs faced by the average resident are relatively affordable. Just 15.2 percent of total medical costs and 1.6 percent of the average income are going to out-of-pocket medical expenses in a typical year for the average senior citizen in Spokane, both of which are among the lowest levels in the study.

    Check Out: Safest and Most Affordable Places to Retire Across America

    3. Rochester, N.Y.

    Annual Healthcare Spending Per Capita: $4,192
    Annual Out-of-Pocket Spending Per Capita: $707
    Income of Age 65+ Households: $27,998

    Annual healthcare costs in Rochester are nearly $1,000 lower than the national average of $5,141, making it one place where you can find relatively affordable healthcare costs. Except that the average retiree household is earning just under $28,000 a year, meaning the proportion of annual income going to healthcare costs — about 15 percent — is the highest in this study.

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    2. Washington, D.C.

    Annual Healthcare Spending Per Capita: $4,663
    Annual Out-of-Pocket Spending Per Capita: $662
    Income of Age 65+ Households: $59,086

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    Although the total healthcare spending isn’t especially low, the high income levels for the average 65-or-older household in our nation’s capital mean that this is the city where the smallest portion of income goes to healthcare costs — just 7.9 percent of that $59,086 a year.

    1. Tucson, Ariz.

    Annual Healthcare Spending Per Capita: $3,674
    Annual Out-of-Pocket Spending Per Capita: $648
    Income of Age 65+ Households: $39,448

    Although incomes in Tucson are relatively modest for age-65-and-older households, the average annual spending on healthcare per capita is a bit more modest. At $3,674, this is the only city in this study with costs under $4,000 a year — a bar Tucson cleared by over $300 a year.

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    More on Retirement

    Methodology: GOBankingRates determined the 15 best places to retire where healthcare costs less than $5,000 a year by observing 50 cities using a combination of three factors: 1) total spending on healthcare per capita, sourced from the Health Cost Institute; 2) out-of-pocket spending per capita, sourced from the Health Cost Institute; 3) median household income of age-65-and-older households, sourced from U.S. Census Bureau’s 2017 American Community Survey. To qualify among the top 15 cities, total spending on healthcare must be less than $5,000, based on the U.S. average of $5,141. After meeting this criteria, cities were scored based on senior household incomes, total spending and out-of-pocket spending, which were then combined into an overall score.

    From: GOBankingRates.com


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  • As US life expectancy falls, West Virginia offers lessons

    MADISON, W.Va. (AP) — If you want to understand why U.S. life expectancy is declining, West Virginia is a good place to start.

    The state is a bellwether of bad health, portending major problems years before they became severe nationally.

    “It seems that the worst outcomes happen here first,” said Dr. Michael Brumage, a West Virginia University public health expert who formerly ran the health department in Charleston. “We’re the canary in the coal mine.”

    The drug overdose death rate for all Americans today is where West Virginia’s rate was 10 years ago. The nation’s suicide rate is where West Virginia’s was nearly 20 years ago.

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    Obesity was common in West Virginia before it became widespread in the rest of the country. And life expectancy started tumbling in the Mountain State before it began falling across the U.S.

    Maggie Hill has lived in the state for all of her 67 years. Sitting in her cabin in the town of Madison recently, she ticked off the many deaths that have befallen her family: An older brother drowned in a flood in 1977. A sister died in a house fire. Two siblings, both smokers, died of lung cancer. Two others were stillborn. Her first husband died of congestive heart failure.

    Then there were the suicides. Two of her three sons shot themselves to death, one of them after losing his job. Her second husband died the same way, using a gun in their bedroom closet one Sunday morning while she was still in bed.

    “I don’t think people have a lot to live for,” she said. “I really and truly don’t see things getting better.”


    After decades of steady increases, U.S. life expectancy has been declining since 2014. A government report released last month said the trend continued last year, driven in part by suicides and drug overdoses — the so-called diseases of despair.

    What else is driving the decline? Experts say America’s obesity problem has worsened the diabetes death rate and helped stall progress against the nation’s leading killer, heart disease.

    West Virginia eclipses most other states in the percentage of people affected by diabetes, heart disease and obesity. It has had the nation’s highest rate of drug overdose deaths for years running. It also has the highest obesity rate and the highest rates of diabetes and high blood pressure. Adding to those woes is the highest suicide rate among states east of the Mississippi River.

    Earlier this fall, U.S. health officials released for the first time life expectancy predictions at a neighborhood level. An Associated Press analysis of the data found wide disparities in cities and towns. Among states, the AP found, Hawaii had the highest life expectancy. West Virginia was the second lowest, behind Mississippi.

    Mississippi, Oklahoma and a few other states suffer death and disease rates that are about as bad — or sometimes worse. But those places have unusually large populations of low-income black or Native American people, who suffer a disproportionate share of disability, disease and death.

    West Virginia is 94 percent white. That makes it a telling indicator. Nearly 80 percent of the Americans who die each year are white people, and death rates rose in white men and women last year but were flat or falling in blacks and Hispanics.

    So white deaths — particularly those of people who are not elderly — are mainly responsible for the nation’s declining life expectancy.


    Ten years ago, The Associated Press described Huntington, West Virginia, and its environs as the unhealthiest place in America , based on health survey data from the Centers for Disease Control and Prevention that put it at the bottom of the charts in more than a half-dozen measures, including the highest proportions of people who were obese, had diabetes and had heart disease.

    The AP report, and others like it, drew widespread attention that peaked in 2010, when celebrity chef Jamie Oliver staged a reality TV show in Huntington to teach people how to eat better.

    The attention was not entirely welcomed. It felt like outsiders coming in to criticize and perpetuate “hillbilly” stereotypes, said Steve Williams, who was elected Huntington’s mayor in 2012.

    But Williams said it also was motivating, prompting changes in school food and even improvements to parks and sidewalks.

    “We get slammed all the time with obesity,” said Andy Fischer, a financial adviser who organized a 2,500-person community walking program. “We’ve got to get better.”

    These days, the Huntington area looks somewhat better in government health surveys. For example, the region’s obesity rate is only a few percentage points above the national median — instead of 10 or 20 points.

    That said, it’s clear the Huntington area still has some big problems. It ranks among the worst metro areas in measures like the percentage of adults who smoke, have high blood pressure and have had a stroke.


    About the time Huntington was trying to tackle its weight problem, it was rocked by a new crisis — opioid addiction.

    West Virginia now has the distinction of having the nation’s highest drug overdose death rate. Last year, for the first time, the state’s body count surpassed 1,000. The epidemic also produced ripple effects such as a spike in the number of children taken into foster care because of dead or addicted parents.

    In the last two years, no West Virginia county has seen more overdose deaths than Cabell County, which includes Huntington.

    One of the grimmest spots has been Huntington’s West End — some locals call it “the Worst End.” The AP analysis of neighborhood-level death data found the area had a life expectancy at birth of only 62 years, 16 years shorter than national life expectancy.

    Huntington’s reputation crystalized on a chaotic Monday in August 2016, when emergency responders saw 28 overdoses over six hours — including two deaths.

    The city soon became known as America’s overdose capital. As documentary crews descended, Huntington tried to confront the problem. Among the efforts were quick-response teams charged with finding people days after they were treated for an overdose. The teams include a police officer, a clergy member, a paramedic and a treatment counselor who hand out overdose-reversing naloxone and provide information about treatment. They also direct people to a needle-exchange program run by the Cabell-Huntington Health Department.

    One of the key figures in the program is Thommy Hill, a former drug dealer who has become its gatekeeper and central cog. He knows every drug user who visits and constantly tries to persuade them to try treatment — arranging immediate transportation and handing them a backpack full of clothes if they agree.

    One morning in late October, bantering with a man who had come in for fresh needles, Hill lit up when the visitor mentioned a past vacation. Hill pitched him a one-week stay at a treatment hospital, joking that “people will wait on you hand and foot.”

    A few minutes later, he explained: “It’s all about treating them like people. They don’t get a lot of that.”

    Something seems to be working. Non-fatal overdoses in Huntington have fallen and are on track to be 40 percent lower than 2017, city officials said. They are optimistic deaths will be down this year, too.

    “If we can turn around overdose numbers here, we can do it anywhere,” Surgeon General Dr. Jerome Adams said in May at a health summit in Huntington.

    Politicians including President Donald Trump have decried the opioid epidemic, prioritizing it over other health crises. But obesity still presents a towering threat.

    West Virginians exercise less than other Americans. They eat fruits and vegetables less often. Only Mississippi has a larger proportion of adults drinking soda and other sugar-sweetened beverages each day.

    In some cases, state policies are not helping.

    For example, bariatric surgery can help certain obese people for whom conventional diet and exercise programs have no lasting effect. But West Virginia’s Medicaid program has unusually harsh cost-control barriers that make it difficult for severely obese people to get approved for surgery, according to a recent analysis by George Washington University.

    Then there’s the soda tax, which health advocates say can give consumers second thoughts about choosing those drinks. Last year, Gov. Jim Justice proposed raising it from 1 cent per 16.9-ounce bottle to a penny per ounce. It failed in the Republican-controlled Legislature.


    There are some signs of hope in West Virginia. In October, health advocates held a conference on obesity in the South in West Virginia’s capital city. It was a surprisingly upbeat meeting.

    The South has long had the highest obesity rates in the country, and nowhere has adult obesity been more common than in West Virginia. But future-focused projects are popping up all over the state, aimed at getting kids to embrace exercise and healthy eating.

    “We want to give people hope that we can be knocked off the unhealthiest list” of states, said Kayla Wright, director of an organization called Try This West Virginia that’s funding many of them.

    One grant paid for high school students to build a 5K trail and explore creating a teen cross-country running group. Another grant went toward restoring a greenhouse and helping people learn to garden.

    Many of the projects are baby steps, but conference participants cited a few places where progress seems broader. Huntington is one, they say.

    Another is Mingo County, in the southwest corner of the state, deep in the heart of coal country. Life expectancy there has never been high. Jobs in the lumber and coal industries were notoriously dangerous. Doctors could be hard to find. And there was violence: The deadly Hatfield-McCoy feud played out in those hills, as did bloody labor battles between miners and coal companies.

    The largest municipality in the county, Williamson, became known in the last decade as a center for the abuse of prescription opioid painkillers. (Some called the 3,000-person town “Pilliamson.”)

    But while the drug crisis was playing out, some local leaders — led by a young doctor named C. Donovan “Dino” Beckett — built a series of programs aimed at creating a culture of health. It started seven years ago with the opening of a free clinic that later became the Williams Health and Wellness Center. That spawned a community garden and a vegetable delivery service, a running club and once-a-month 5K races that draw a few hundred runners. Also in the works, for next year, is a federally funded treatment program for people addicted to drugs.

    So far, perhaps the most successful program is one that sends health workers to the homes of diabetics.

    Jamie Muncy is one success story.

    The 48-year-old lost his job three years ago when the mine he was working in shut down. Last fall, he had just pulled out of a long-term habit of pain pills and other drugs when he bizarrely tore a tendon in his foot while picking up a piece of paper at a post office.

    It was so painful he rarely walked, but he continued to eat terribly. Out of a job and with his marriage in ruins, “I had no motivation” to be healthy, he said. “I didn’t care.”

    By January, the 5-foot-3 former mine foreman ballooned from 165 pounds to 196. “I was round as I was tall,” he said.

    A visit to the Williamson health center revealed he had alarming, diabetes-qualifying blood sugar levels. He’d had mini-strokes in the past, and his physician said a much bigger one was probably on its way if Muncy did not take drastic steps.

    The doctor put him on a tight carb-cutting diet, connected him to physical therapy and put him in the home-visit diabetes program.

    Now Muncy walks 5 miles a day and is a regular at the farmer’s market. His weight is down to about 145 pounds, he said in a recent interview. He still smokes, though.


    University of Washington researchers recently calculated something called “healthy life expectancy” — the period someone born today could expect to live in relative health. West Virginia, at 62½ years, was the lowest among states.

    Clearly, health problems abound.

    Black lung disease rates and coal mine injury rates appear to be up.

    West Virginia has been at the top of the charts in hepatitis B and C infection rates. Adding to that, the state saw an HIV outbreak last year, and it is still weathering a hepatitis A outbreak — both associated with injection drug users

    Maggie Hill, the lifelong West Virginian, has little hope for the future. But she does have Charity.

    Charity is a 10-year-old girl Hill adopted about five years ago. Hill’s son had been raising her but lost custody during his ongoing struggle with drug addiction, Hill said.

    Hill and Charity live in a small wooded valley with a creek in it — a holler, as they say in West Virginia. Her house is a cabin that from the outside resembles a small, tidy barn. Charity has given her life a purpose, she said.

    “I taught her how to survive when I’m gone,” she said. “I have to. She’s going to need to know how to cook. … She needs to know how to keep house. She needs to know how to mow grass, so if she ain’t got a man, she can keep the yard clean. I teach her every bit of this.”

    Charity is a good student (“Four A’s and a B on her last report card,” Hill said). And there’s hope that she will do well enough to go to college. Hill is saving for it. “She wants to be a doctor,” Hill said.

    If Charity does go to college, some place away from Boone County, Hill says she will move there with her. “If I’m alive,” she said.


    AP data journalist Nicky Forster contributed from New York.


    The Associated Press Health & Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content.

    Source: Associated Press


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  • Is It Safe to Take a Garcinia Cambogia Supplement?

    There are tons of supplements out there, promising to do everything from helping power your rides to helping you drop some pounds. But if there’s one thing that’s been proven time and again, it’s that there is no magic pill for weight loss. And yet, “quick fixes” like detox teas keep popping up everywhere.

    One we’ve seen recently? Garcinia cambogia extract-an ingredient most commonly found in weight-loss supplements. So what exactly is the deal with this extract? Will it actually work in conjunction with riding and cross training to help you shed a few pounds? Or is it simply another trend? Here’s everything you need to know.

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    What exactly is garcinia cambogia?

    Photo credit: libin jose - Getty Images
    Photo credit: libin jose – Getty Images

    Garcinia cambogia-a.k.a. Malabar tamarind-is a fruit commonly grown in India and Southeast Asia, according to the National Center for Complementary and Integrative Health (NCCIH). The rind of the fruit is often used to flavor curries and to preserve food.

    That rind, however, also contains a chemical called hydroxycitric acid (HCA), which is where the plant’s weight-loss claims come into play-HCA has been studied for weight loss through appetite suppression, per the NCCIH (which is why supplements that contain garcinia cambogia extract are also thought to help you lose weight).

    Can garcinia cambogia help you lose weight?

    While, yes, there have been studies on garcinia cambogia and weight loss, they haven’t necessarily been reliable (nor are they recent, for that matter).

    In a research review set to be published in 2019, researchers found that only five randomized, controlled studies of garcinia cambogia’s effect on weight loss have been done in the last 50 years, according to Scott Kahan, M.D., M.P.H., director of the National Center for Weight & Wellness, who carried out the study. (There have been more than 14,000 studies on unfounded therapies for weight loss in that time, he says.)

    What’s more, in those five studies, participants saw very little weight loss. “The most positive study showed that several months of taking garcinia cambogia may lead to one pound of weight loss, at best,” says Kahan-placebo pills were usually more effective.

    Is garcinia cambogia harmful?

    According to Kahan’s research, there are very few severe side effects of garcina cambogia- he only found a few examples of diarrhea, brain fog and, in rare cases, liver damage. And according to the NCCIH, garcinia cambogia is pretty safe for short-term use (12 weeks or fewer).

    But while garcinia cambogia itself may not be terrible, the ingredients it comes packaged with in some weight-loss supplements can be. 

    In 2017, for example, the Food and Drug Administration (FDA) issued a warning about the weight-loss supplement Fruta Planta Life, which is marketed as “Garcinia Cambogia Premium” and contains garcinia cambogia extract and sibutramine (Meridia), an appetite suppressant that was removed from the market in 2010 due to safety concerns. Sibutramine had been shown to increase the risk of heart attack and stroke, cause jaundice, and trigger seizures-pretty nasty stuff.

    Another thing to note: since garcinia cambogia extract diet pills are supplements, not drugs, the FDA doesn’t regulate their use or review their effectiveness or safety unless their use becomes linked to multiple hospitalizations, says Sue Decotiis, M.D., a medical weight-loss expert. That means that it’s up to manufacturers to decide how much garcinia cambogia extract their pills pack, as well as what other health-impacting ingredients (like sibutramine) are added to the mix.

    Here’s the bottom line.

    It’s best to skip garcinia cambogia. Possible side effects aside, Kahan says any weight-loss supplement containing garcinia cambogia is a waste of money.

    And honestly, that goes for weight-loss supplements in general. “Unlike medical therapies, supplements and various diets and practices are not bound by strict requirements for clinical evaluation and evidence,” says Kahan, adding that “it’s unlikely that all the advertised claims are true.”

    Basically, diet supplements-including ones containing garcinia cambogia-aren’t worth the risk or money. If you want to lose weight, speak to your doctor first, and focus on combining a healthy, balanced diet with regular exercise, suggests Kahan.

    Source: Bicycling


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  • How Hitting ‘Rock Bottom’ Inspired a Woman to Lose 114 Lbs.: ‘It’s Definitely Changed My World’

    Tara Sol managed to lose weight and change her life in less than a year, but achieving her healthy state was a surprise to Sol herself. “I’d only ever known being overweight,” Sol tells PEOPLE.

    She was raised in a household where her diet was primarily convenience foods, like drive-through pickups or pre-packaged microwavable meals. In her family, their Friday tradition was to go to an all-you-can eat buffet, and food was often used as the way her family bonded.

    “I saw food used as comfort within my own sister and parents. We’d just sit in front of the TV and I’d eat a half a bag of chips or a box of cookies, or popcorn,” Sol tells PEOPLE. “Also, it was for sure how my dad showed love or affection. It was getting us a candy barwhen we’d go through the cashier line—he would always do that sort of stuff for us. If I got a good report card, I got to choose my restaurant for dinner.”

    Once she became an adult, the 36-year-old mother of six began sneaking food and eating it in secret before she would dine with the rest of her family.

      FEATURED: How to get rid of mold in coffee maker

    “I would grab a handful of cookies and eat them and then it would be time for us to have dessert and I would eat it,” Sol says. “Nobody knew I already had the four cookies.”

    At her heaviest, Sol weighed 261 lbs. “Walking for five minutes was a challenge,” she says. “I couldn’t even bend over to tie my own shoe. That’s how overweight I was.”

    Often, she was bullied for her weight, causing her to be “a very introverted and hidden person.”

    “I had this dream where I was just in a fat suit, and I could just unzip my suit and walk out and look at the person, and reveal myself to all of those people that would bully me and say mean things about me,” she says. “I’d say, ‘But look at who I really am.’”

    Although she had avoided doctors for most of her life because she “didn’t like having to get put on a scale,” in 2014, as a social worker who was employed by a hospital, she had to visit the doctor for routine blood work and they discovered her blood sugar levels were off the charts. They diagnosed her with pre-diabetes before she had her full testing done that gave her a definitive Type 2 Diabetes diagnosis.

    “I was in significant denial about my condition and though I took the medication, I did not change my diet or tell a single person about my diabetes diagnosis,” Sol says. “I even stopped going to my doctor. I was lucky that she happened to refill my prescription for a couple of years.”

    Sol’s doctor wrote her a letter informing her that she would stop prescribing her oral medications if she didn’t come in for an office visit. “That finally was my rock bottom.”

    So the next day, Sol signed up for Real Appeal, a digital weight loss program that provides you with a personal wellness coach, diet tracking, exercise programs, and online group sessions to help you meet your goals. She was initially drawn to this program because she didn’t have to go to weigh-ins in front of other people.

    She visited her doctor and asked her for a three-month extension on her prescription refill, and told her about her new weight loss commitment.

    Sol started with small, achievable goals, such as moving her body for 60 minutes each day and cardio workouts she could do in her own home. Within three months of starting the program, Sol’s labs were normal and she no longer had Type 2 Diabetes.

    “My doctor actually called the lab to make sure it wasn’t an error,” Sol says. “My labs were just so different in just that three months.”

    On the first day of her lifestyle change, Sol also set a goal to walk 1,000 miles in one year—a goal she achieved in just 140 days.

    “I was getting little bits of hope,” Sol said. “I was getting these tangible, actual, true things that were validating what I was doing and it fueled my fire and I just also wanted to obviously keep going and getting better and better. I made this commitment to my doctor and I wanted to show her I was keeping my end of the deal.”

    In just ten and a half months, Sol reached her goal weight, losing 114 lbs. Today, she’s maintaining a healthy weight of 144 lbs., but she says she’s not “hyper focused on a number on the scale.”

    In early 2018, Sol had a skin removal surgery, and now, on top of walking, she enjoys mountain biking, hiking and interval training. She also tracks her calories in MyFitnessPal to maintain her healthy eating habits, and tries to slow down when she’s eating a plate of food.

    “I can’t be mindless about what I put in my mouth,” she says, but admits that she still loves food and isn’t afraid to indulge every now and then.

    She also says her husband and children have been supportive through the journey, and her healthy eating habits have influenced them.

    “I want to be a role model,” she says. “They’ve gotten an understanding of what a healthy lifestyle is by being able to watch my transformation.”

    She also adds that her weight loss has allowed her to be a more present mom. For Christmas, her family gives experiences instead of gifts, and she’s been able to participate in fun things like snowshoeing and laser tag, which she couldn’t do before.

    “They don’t lose me to the bag of chips while I’m vegging out to the Real Housewives on TV,” Sol says. “They actually get a mom that wants to be more interactive with them. I have energy.”

    Aside from her family, Sol says that since losing the weight, her life has changed “in any possible way it could change.”

    “That whole concept of ‘if you can’t love yourself, no one else can love you’ is so true,” she says. “[I have] better self esteem, and feel that I am worthy of love and affection and people’s attention. Because I feel so much better about myself and I’ve gotten rid of so much of that hate and shame, it’s definitely just changed my world in that I allow people to be part of my life and my journey now where I never did before.”

    From: People

  • A Guy Reportedly Found Skidmarked Underwear In His Uber Eats Order

    Ordering through a food delivery service can be a hit-or-miss situation. It could take hours. The restaurant might get your order wrong. Perhaps the food is cold by the time it makes it to your door. I solemnly swear never to complain again about any of these harmless annoyances, though, because a man reportedly found DIRTY UNDERWEAR inside his Uber Eats bag.

    According to WFLA, a man named Leo (who asked that his last name not be printed) recently ordered dinner from a Japanese restaurant nearby to his Florida hotel. When the order arrived, he reportedly met the Uber Eats driver outside of the hotel to pick up the food. Leo told the station: “I grabbed the food and right when I got the food she took off running and I was like, ‘that was kind of odd.'”

    For more on the 10 best coffee makers 2019

    Once back in his hotel room, Leo opened the plastic bag to find his food in a brown paper bag-allegedly sitting beside a pair of “thigh-length underwear, clearly stained with what looked like feces.” Initially, Leo thought it was a fancy napkin when he was pulling out the underwear, Newsweek reports. “Disgusting, unhealthful, it’s potentially deadly,” he said.

    Per Newsweek, Leo threw the underwear back in the bag and contacted Uber, the restaurant he ordered from, and the police department. All those he spoke to reportedly expressed sympathy, but said there was little they could do about it.

    Delish reached out to Uber for more information regarding the incident and we will update this post as we hear back. In a statement to Newsweek, Uber noted that Leo was given a full refund and “the suspect delivery driver had no prior complaints against her.” A spokesperson for Uber also said, “What’s been reported is very concerning. We are reviewing this order and reaching out to all parties involved to help understand what may have occurred. The courier has been removed from the app pending investigation.”

    Leo also requested the Bal Harbor Police Department document the incident on a police report, though a BHPD rep told Newsweek, “No other police action is being taken at this time.”

    Now that I’ve thoroughly disgusted you out of ordering delivery tonight, here are all kinds of delicious dinners you can make yourself.

    From Delish

  • In Franklin, Tennessee, on March 2, 2006

    Physical education is key to longer, happier lives. Our kids and schools need more of it

    Spot quiz: What is the only subject in school that engages a child’s mind, body, and spirit, promotes their physical and emotional health, helps them to learn better and cultivates the character they need to become productive adults? And what subject is consistently underfunded, understaffed and underscheduled?

    If you answered physical education to both questions, you get an A grade.

    At a time when American children are increasingly absorbed in their screens and one-third are overweight, the need for robust physical education is acute. Last month, the federal government updated its recommendations for physical activity for the first time in 10 years. The guidelines now include recommendations for children as young as age 3, and advise a minimum of 60 minutes per day of moderate to vigorous activity for ages 6-17.  Alas, only one in five teenagers meets this standard. 

    Inactivity has been called “the new smoking,” and the prevalence of obesity and inactivity may well mean children today will lead shorter lifespans than their parents. Children desperately need to learn the importance of physical fitness, how to achieve it, and how to maintain it. Well-taught physical education keeps students moving and motivated, building their competence and confidence so that they can stay fit over a lifetime.

    Funding for PE classes is shockingly low

    Alas, just when children need it most, PE has slipped to the bottom of the curricular ladder in all too many school districts. It is profoundly shocking that the median PE budget for American schools is only $764 a year, according to the Society of Health and Physical Educators. In a school of 500 students, that means only $1.50 per child for PE, when total per pupil annual expenditures in our public schools often exceeds $12,000.

    This is of special concern in the inner city, where families have few fitness resources outside of school. But it is troubling everywhere, as a perfect storm of circumstances has conspired to minimize activity in children’s lives, not only putting them at risk for life-threatening diseases later on, but depriving them of the mental and cognitive benefits we know exercise provides. Harvard neuropsychiatrist John Ratey has called exercise “Miracle-Gro for the brain,” and hundreds of studies show exercise enhances learning as well as emotional healthand social development.

    More: Fitbit one wireless activity plus sleep tracker

    We are also putting unfit children at financial risk as adults. Researchers at Johns Hopkins University have calculated that an overweight individual’s lifetime medical expenses related to his or her excess weight average $62,331, and lost wages around $93,100, roughly double the costs for a person of healthy weight — and enough money to put a child through college or make a down payment on a house.

    Traditionally, schools have been instrumental in supporting children’s health, because they are uniquely positioned to reach the maximum number of children over a 12-year period. They help to ensure students are immunized, provide health screenings, and strive to serve nutritional meals. Physical education is every bit as important as the right shots and eating your vegetables, and yet not one state follows the Centers for Disease Control recommendations for time spent in PE at all grade levels. Some children with the means and desire to play sports get exercise that way, but the reality is that 70 percent of children drop out of organized sports by age 13.

    Studies show kids in PE continue healthy habits

    By contrast, regular PE class means all children can access the myriad benefits exercise provides until they reach adulthood – and beyond. According to the Physical Activity Council, children who have physical education in school are twice as likely to be active outside PE class and to remain active when they become adults. Correlation does not equate to cause, but it makes sense that children who learn good fitness habits in school will practice them out of school, and that a fit childhood sets a foundation for fitness as an adult.

    While I appreciate the competing concerns schools must prioritize today, I believe it is time to make physical education a core subject on equal footing with academic classes. It is well established that children have a right to a quality education, and physical education is a fundamental aspect of that right, giving children the knowledge they need to stay healthy and equipping them for life’s challenges by teaching persistence, resilience, and positive thinking.

    Our country boasts one of the highest standards of living in the world. Surely we can find a way to give our kids the gift of physical education and fitness. We did it in the past, when schools rallied behind JFK’s call for a fit nation as “a vital prerequisite to America’s realization of its full potential,” and we can do it again today. Indeed, some schools already have, and we can learn from them. All it takes is the will to make it happen, and Americans have always had plenty of that. 

    William E. Simon Jr., a former assistant U.S. attorney and the 2002 Republican nominee for governor of California, is co-founder of UCLA Health Sound Body Sound Mind and the author of “Break a Sweat, Change Your Life: The Urgent Need for Physical Education in Schools.”

    You can read diverse opinions from our Board of Contributors and other writers on the Opinion front page, on Twitter @usatodayopinion and in our daily Opinion newsletter. To respond to a column, submit a comment to [email protected]

    This article originally appeared on USA TODAY

  • If You’re Deciding Between Keto and Paleo, Just Don’t

    If you’re one of the millions of people who vow to begin a new eating regime on January 1, the potential weight-loss plans are endless. And as you scroll through your Instagram feed, you’ll likely to see people touting the “amazing” diet that has shrunk their waistlines, boosted their stamina, and taken years off their appearance.

    Two of the trendy diets over the last couple of years include keto and paleo. But before you select your 2019 menu, here’s what you need to know about these somewhat similar plans:

    Keto Diet 101

    Photo credit: Rimma_Bondarenko - Getty Images
    Photo credit: Rimma_Bondarenko – Getty Images

    Otherwise known as the diet Halle Berry, Vanessa Hudgens, Alicia Vikander, and even Tim Tebow swear by, the ketogenic diet is a low-carb, high-fat plan that forces the body into a state of ketosis, a metabolic process produced in the liver in which your body burns fat for energy instead of carbohydrates, says Katherine Brooking, MS, RD, co-founder of Appetite for Health. On a standard keto diet, calories should comprised of a minimum of 70% fat, 20% protein, and 10% carbohydrates.

     More on Fitbit one wireless activity plus sleep tracker

    Since the body’s preferred fuel source is sugar (glucose) that comes from carbs (i.e., grains, legumes, fruit), this diet presses the body to use glucose stored in our muscles as glycogen for fuel. “What else happens when we break down muscle glycogen? We lose water weight,” explains Good Housekeeping Institute’s Nutrition Director Jaclyn London, MS, RD, CDN. “Our muscles store about 3 grams of water for every gram of glycogen, meaning we can lose quite a bit of weight right away when we tap into glycogen stores for fuel. That’s why someone who loses weight in ‘just one week!’ from a low-carb plan is likely losing water weight, not necessarily real weight that stays off over time, but the immediacy can feel motivating at first.”

    As for the menu, Brooking explains that the keto plan allows dieters to consume fish (salmon, oysters, scallops), meat and poultry (pork, lamb, steak, and yes, bacon!), eggs, nuts, non-starchy vegetables (spinach, broccoli, cauliflower, tomatoes), fats and oils (butter, mayo, avocado oil, ghee) and high-fat dairy (full-fat yogurt, heavy cream, cream cheese, hard and soft cheese). Berries and artificial sweeteners can be eaten sparingly.

    “The foods to avoid on keto include most fruits (apples, bananas, peaches, oranges), grains (breads, pastas, cereals, and any foods made with wheat, rice, oats, or corn), legumes (all beans), and anything with added sugar (desserts, honey, cane sugar),” Brooking states. Root veggies (potatoes, carrots, turnips), alcohol, sweetened beverages (juice, soda), sweetened sauces and dips (ketchup, BBQ sauce, some salad dressings), and some oils (canola, soybean, peanut) are on the “no” list – along with any low-fat dairy products.

    Paleo Diet 101

    Photo credit: Lilechka75 - Getty Images
    Photo credit: Lilechka75 – Getty Images

    “The paleo diet is meant to resemble the supposed diet of our long-ago, hunter-gatherer ancestors,” explains Brooking. “The idea behind it is that our Western pattern of eating is contributing to the rise of chronic illness and obesity.”

    Also referred to as the Paleolithic diet and caveman diet, this meal plan – which is reportedly a way of eating for Blake Lively and Jessica Biel – focuses on only the foods that were (allegedly) available way back when: poultry (grass-fed meat, fish, seafood), fresh fruits and veggies, eggs, nuts, seeds, and plant-based oils (such as olive, walnut, flaxseed, macadamia, avocado, coconut).

    checkout the latest on how to get rid of mold in coffee pot

    The foods not allowed on this plan include legumes (peanuts, beans, lentils, tofu), grains, dairy, refined sugar, salt, artificial sweeteners, anything processed, and alcohol. And there’s no need to count calories or figure out proper percentages. (Do you think the cavewomen were keeping track of their caloric intake?) The diet promotes eating whole foods until you’re satisfied.

    The Pros and Cons of Keto

    The keto diet has a scientific background – but not for weight loss. “Some evidence has found that a keto diet can be effective for patients with epilepsy,” Brooking says. In fact, the Epilepsy Foundation promotes the ketogenic diet as a way to help control seizures – and it’s usually recommended for children who have failed to respond to prescription treatments.

    London adds that she found it hard to believe the keto plan was trending as the latest weight-loss fad since it was prescribed to pediatric patients during the time she worked in a hospital. “It was used as an absolute last resort for families who felt otherwise hopeless in the face of a neurological diseaseand under strict medical supervision,” she says.

    Eating less carbs can be a good thing. People who follow the typical Western diet tend to consume more than the daily recommended amount of carbohydrates (about half of our calories per day, where at least half of these grains derive from whole grains, according to the 2015-2020 USDA Dietary Guidelines for Americans).

    However, nearly erasing carbs from an eating plan may be too drastic. “This would be a hard adjustment for most Americans, making the standard keto plan difficult for many to stick with,” Brooking says.

    Along with some unpleasant side effects (like constipation, crabbiness, lightheadedness, nausea, fatigue, and bad breath), Brooking also points to the fat content in this eating regime. “Keto does not emphasize healthy fats, and we know that foods high in saturated (such as butter, cheese, and red meat) can increase the risk of heart disease,” she says.

    As for the weight loss, it tends to be short-lived. “The same reasons why we see immediate weight loss on carb-restricted diets is the same reason why we see immediate weight gain after adding a seemingly harmless sandwich back into the mix: The water weight comes back instantly with glycogen storage,” London says.

    The Pros and Cons of Paleo

    Unlike keto, Brooking gives a thumbs up to the back-to-basics approach in this plan. “The pros of paleo are that it focuses on increasing intake of whole foods, all fruits and vegetables, lean proteins, and healthy fats while decreasing consumption of processed foods, sugar, and salt,” she says.

    Proponents of paleo claim that it can reduce inflammation, increase energy, help with weight loss, stabilize blood sugar, and even reduce the risk of chronic diseases, but the majority of science doesn’t agree with all of these assertions. The jury is still out on whether or not the paleo diet can have long-term benefits for people with type 2 diabetesand research published The American Journal of Clinical Nutrition states this dietary plan overall “still lacks evidence.”

    “When it comes to scientific backing, there is virtually none to support the paleo diet,” London says. “The average lifespan of a hunter-gatherer was about 30 years (lovely, huh?).”

    As with the keto plan, London and Brooking are not in favor of nixing grains, dairy, and legumes from the diet. “Despite what paleo advocates claim, these foods are healthful and are good sources of fiber, vitamins, and minerals,” Brooking says.

    And London adds: “My biggest gripe with paleo is that it’s generally nutritious, but the model loses me in the elimination factor. Legumes are truly one of the most nutritious foods you can eat, so if you do want a structured plan, you’re better off with a modified approach to paleo that at minimum incorporates legumes for additional protein, calcium, and fiber. Even better: Mediterranean diets, which will give you back the 100% whole grains and low-fat dairy too.”

    The Bottom Line

    Both registered dieticians find downsides with the keto and paleo plans and feel that eliminating foods that contain essential nutrients – and, in the case of the keto diet, adding in foods that are high in saturated fat – all in the name of weight loss does not equate to a healthy diet.

    “To make real, long-term changes, we can’t rely on restriction,” London says. “We have to approach health and weight loss with an understanding of our own lifestyle, and shift toward healthier eating habits through behavior changes that last a lifetime.”

    Since eating preferences and dietary needs vary from person to person, it’s advised to check with your doctor before starting any new weight-loss program.

    Article originally appeared on Good Housekeeping

  • Photo credit: Getty Images

    The 7-day weight loss fitness plan

    Trying (and failing) to lose weight? Setting a specific goal can breathe life into your fitness regime. Personal Trainer Laura Williams has devised the following 7-day fitness plan, so stick with it and expect to see results in as little as a fortnight.

    ✔️ Regularity and consistency: These are your best friends when it comes to seeing results. The cumulative effect of exercise cannot be underestimated. Schedule exercise sessions in your diary and stick to them no matter what.

    ✔️ Keep an eye on your diet: If weight loss is your goal, try not to ‘eat your workout’. Never go hungry but avoid high-calorie food rewards (we’re talking post-workout pastries and muffins) and oversized meals. Good post-workout snacks include pitta and humus, a protein smoothie shake or yoghurt and fresh fruit.

    ✔️ Consistency is key: You can witch sessions around, but try and stick to following a higher intensity day with a lower intensity workout the next day.

    Checkout latest: Fitbit One Wireless Activity Plus Sleep Tracker

    Photo credit: Getty Images

    Home HIIT

    It’s Monday which means a full-on (but easy-to-follow) workout after the weekend. Start with a 4-minute warm up consisting of:

    • Easy jogging-on-the-spot
    • Shadow boxing
    • Star-climbing
    • Shuttle runs

    Next, try the following with 30 second intervals for each move:

    1. Mountain climbers
    2. Jumping jacks
    3. 30 seconds rest
    4. High knee jogging-on-the-spot
    5. Squats-with-a-jump (at the top)
    6. 30 seconds rest
    7. Fast alternating lunges
    8. Lateral jumps
    9. 30 seconds rest
    10. Fast step-ups left leg
    11. Fast step-ups right leg
    12. 30 seconds rest
    13. Reverse lunge with knee drive left leg
    14. Reverse lunge with knee drive right leg
    15. Rest and…repeat!
    Photo credit: Hero Images – Getty Images

    ➡️ Interval walking

    This is your active recovery day – the perfect excuse to try this calorie busting walk:

    🔹 Start by walking at a moderate pace for five minutes to warm up.

    🔹 Then speed up so that you can still hold a conversation, but so that your heart rate is raised and you start to break a sweat.

    🔹 Hold this pace for three minutes.

    🔹 Slow down to a stroll for one minute and repeat.

    🔹 Repeat this four minute cycle a total of five times.

    Photo credit: Getty Images

    Source: Netdoctor

  • coffee hacks

    Hacks and Health Benefits of a perfect Grind and Brew Coffee from Home

    Drinking coffee does not only make you feel good, but it provides a good sense of feeling and helps you navigate the day in a blistering fashion.

    However, in case you are a habitual coffee drinker, then you might have realized that this particular love for drinking coffee, after a little few years can add up. The suggested hacks from experts summarized below is solely for the aim of saving you time and money in your drinking choices.

    Spend money on certain gadgets.

    An Important cost-saver is to learn how to create/make your personal drinks using the most affordable tools available in your home.

    The wonders of a French Press is incomparable when brewing fast delicious coffee or few shots of espresso is the aim. All you need is a super fine grounds from quality beans and just fill the jar with enough water (hot) to brew .

    If have a milk frothier, that is not very pricey, you can make some cappuccino or lathe from the convenience of your home, thus helping you save a whole lot of money, in accordance to Grind and brew coffee maker.

    Sign up to some java Subscription box.

    Based upon Your preferences, you will find lots of available coffee subscriptions to pick from . These enables one to order pre-made lathes, grounds or beans and they will be shipped right to your address.

    Ordinarily boxes have been shipped from a monthly basis, however the frequency could be adjusted based upon what you require, says Snow Camp Theatre.

    Make Bullet-proof Java in your home.

    Bullet-proof coffee is made of a beverage composed of distinct oils and java , according to Brian Abernathy, creator and master roaster in Grumpy Goat. It’s now trending at the coffee world because of the assumed health and fitness benefits, therefore that you may likely find it at any restaurants in the area.

    coffee grounds

    Insert salt to remove the bitterness.

    Fantastic Information, you do not need to endure through a bad taste coffee if you have made a terrible brew. Rather than throwing it away, you could store it using a salt.

    Consider adding a little pinch of sea or Kosher salt rather than sugar. It is going to help decrease the bitterness and draw the inherent candy notes which may be hiding.

    Make a cold brew coffee with the following steps.

    In case you do not have the patience or perfect gear or coffee maker to create a tasty cold brew coffee, so there are lots of hacks or techniques available at your disposal. 1 way when a grinder is not available, is to use a blender. This can serve as both the grinder and coffee maker container, and it makes a strong brew within 8 – 10 hrs.

    Yet the second option is to utilize pods for cold-brewing, a brand-new innovation which allows you to very readily make cold-brew coffee. All you need would be to incorporate a pod, filter paper and a mason jar, and then refrigerate it before going to bed so that your cold brew coffee will be ready by morning.

    Make ice cubes for coffee the best way.

    Its plain awful to make ice cube for coffee by watering down. However, this innovation have prevented coffee to be discarded sooner than later. Therefore, the secret is to make the ice cubes the right way.

    To do this, the coffee and the cubes are done employing the same methods as you drink it, before discharging them in the ice trays. In the event that you use sugar and cream add that prior to freezing. This procedure ensures that the strength and flavor is sustained.

    Spices can be used.

    Golden latte is a hot topic as of now, because it offers tremendous dietary and health benefits to the drinker. The ingredient “turmeric” is an antioxidant and that helps in reducing inflammation.

    Rather than going into the restaurants in the area for an expensive cup of coffee, you’re able to create turmeric rich lathe at the comfort of your home. Only heat and combine two glasses of milk, 1/2 tsp of cinnamon, turmeric grinds, honey, and some pepper. Then enjoy.

    Latest on: Fitbit one black

  • inorganic foods

    Impacts of Organic Foods on Cancer

    In a research study, those who consumed more organic fruit and vegetables, dairy, meat and other items had 25 percent less cancer detects over all, particularly lymphoma and breast cancer.

    Individuals who buy natural food are normally encouraged that it’s better for their health, and they want to pay very much for it. Until recently, proof of the benefits of eating natural have not been properly documented.

    A new French research on 70,000 adults for five years, with the majority females, has reported that the most frequent consumers of natural food had 25 percent fewer cancers over all, than those who never ate natural foods. Those who consumed the most natural fruits, veggies, dairy products, meat and other foods had a particularly high drop in the incidence of lymphomas, and a significant decrease in postmenopausal breast cancers.

    The magnitude of defense surprised the research study authors. “We did expect to discover a reduction, but the extent of the reduction is rather essential,” said Julia Baudry, the research study’s lead author and a scientist with the Center of Research in Epidemiology and Data Sorbonne Paris Cité of the French National Institute of Health and Medical Research. She noted the study does not prove an organic diet plan causes a decrease in cancers, however highly suggests “that an organic-based diet might contribute to reducing the threat of cancer.”

    Nutrition experts from Harvard University who expressed caution over the study, as they failed to check participant’s pesticide residue levels in order to validate direct exposure levels. They called for more long-term research studies to verify the outcomes.

    “From a useful perspective, the outcomes are preliminary, and not sufficient to alter dietary recommendations about prevent various cancer,” said Dr. Frank B. Hu, one of the authors of the commentary and the chairman of the department of nutrition at Harvard’s T.H. Chan School of Public Health.

    He suggested that it is important for Americans to consume more vegetables and fruits, whether the fruit and vegetables is inorganic foodsorganic or not, if they want to avoid cancer. The American Cancer Society advises consuming a healthy diet with great deals of fruits and vegetables, entire grains instead of refined grains and minimal amounts of red meat, processed meat and sugarcoated.

    Dr. Hu called for federal government bodies like the NIH and the Agriculture Department to fund studies to examine the effects of organic diet, stating there is “strong enough clinical rationale, and a high requirement from the general public health viewpoint.”

    The only other big study on organic food consumption and cancer was conducted by the British from 2014. The result found a substantially low risk non-Hodgkin’s lymphoma in ladies who typically or constantly consumed organic food. It likewise discovered a greater rate of breast cancers among organic consumers – and no total decrease in cancer danger.

    The authors known as the Million Women study, stated at the time that wealthier, more informed females in the study, who were most likely to buy organic food, also had threat aspects that increase the likelihood of having breast cancer, such as having less kids and greater alcohol usage.

    The natural food market has been growing in recent years, both in Europe and the United States. Sales of natural food increased to $45.2 billion last year in the United States, according to the Organic Trade Association’s 2018 survey.

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    For food to be accredited organic by the Agriculture Department, produce should be grown without making use of most inorganic fertilizers and pesticides and may not be genetically customized. Meat must be produced from animals fed natural food without hormones or drugs. Such products now occupy just 5.5 percent of all food offered in retail outlets, according to the natural trade group.

    An agent of the Alliance for Food and Farming, a group that seeks to ease public issues about pesticides, said customers need to not worry about cancer threats from consuming conventionally-grown vegetables and fruits. “Years of peer-reviewed nutritional studies mainly carried out utilizing traditionally grown fruit and vegetables have actually shown that consuming a diet rich in fruits and vegetables avoids illness, like cancer, and causes a longer life,” its executive director, Teresa Thorne, stated in an emailed statement.

    For this research, scientists hired 68,946 volunteers, average age of 44, when the study started. The huge majority, 78 percent, were females.

    Individuals provided comprehensive info about how often they took in 16 different types of organic foods. The scientists inquired about a wide variety of foods, including fruits, veggies, dairy and soy items, meat, fish and eggs, in addition to grains and beans, bread and cereals, flour, oils and dressings, white wine, coffee and teas, biscuits and chocolate and sugar, and even dietary supplements. Study volunteers offered three 24-hour records of their consumption, consisting of part sizes, over a two-week period.

    The details was much more detailed than that provided by participants in the British Million Women research study, who responded to just a single question about how typically they consumed organic.

    Individuals in the French study also supplied information about their basic health status, their occupation, education, income and other information, like whether they smoked. Since individuals who consume natural food tend to be health-conscious and may gain from other healthy habits, and likewise tend to have greater earnings and more years of education than those who don’t eat natural, the scientists made changes to account for differences in these characteristics, as well as such factors as exercise, smoking, use of alcohol, a family history of cancer and weight.

    Even after these changes, the most frequent organic food eaters had 76 percent lower lymphomas, 86% less non-Hodgkin’s lymphomas, and a 34% breast cancer reduction that develop after menopause.

    Epidemiological studies have actually consistently found a higher occurrence of some lymphomas among people like farmers and farm employees who are exposed to particular pesticides through their work.

    One reason a natural diet plan might the risk of reduce breast cancer is that many pesticides disruptor the endocrine that imitate estrogen function, and in breast cancer hormones play a causal role.

  • health insurance 101

    Health Insurance 101: Guide to Picking a Health Insurance Plan

    Health Insurance 101: Guide to Picking a Health Insurance Plan

    The health insurance industry has changed drastically over the past few years. More and more people have started to make use of healthcare policies, and laws that can uplift their well-being. However, the process of picking a health insurance policy, is easy said than done. This is because it is a tacky industry with many complexities and untold pitfalls.

    Without the help of proper health insurance policies, you will be left scrambling when disaster hits your home! When it comes to choosing health insurance policy, you should have a clear mind. As potential investors, you must understand the policy fully. This will aid you in making a wise choice, during health insurance enrollment.

    Key components of health insurance

    First of all, you should know your policy on deductible. By definition, the deductible will state how much of the medical bill should be paid from your pocket, before the health insurance provider takes over. Generally, the deductible would be a very small portion of the entire bill.

    Usually, high deductible health plans are cheap. This is because the patient may end up paying anywhere between 5,000 USD to 10,000 USD and most of the medical bill, before the providers lend a hand of help.

    Co-pay is another important element of all health insurance schemes. This is a fixed amount of money you pay during the medical assistance. Small bills like the doctor’s fee are covered by the co-pay.

    Co-Health insurance is a confused component in most health insurance schemes. It represents split payment. Co-health insurance becomes effective once the deductible is met. You can opt for a 90/10 co-health insurance split (90% represents the amount paid by the health insurance provider and 10% denotes the amount you pay). You can always fine-tune the split, to suit your personalized requirements. As the deductible increases, your monthly premium will decrease. Likewise, higher co-payments and co-health insurance splits will decrease your monthly premiums.

    The maximum level represents the total (or maximum) amount paid by customers annually.

    If you own a health insurance account, you can reduce the overall impact of the doctor’s bill. This becomes extremely useful when you have high deductible health plan. Meanwhile, verify if the funds roll over every year. When you invest a predestined amount of money in this account, it would be used on your healthcare bills, best espresso machine 2018.

    Doran believes that health insurance policies can be fine-tuned to suit your needs. Some plans are much more expensive than the rest. For instance, you can go for plans with higher deductibles and higher premiums too! There are too many choices to pick from.

    In Network or Out-of-Network

    Health insurance companies establish strong bonds with health care providers. They offer special medical insurance plans at discounted rates. Such plans are also known as in-network policies. Generally, in-network plans are cheap and customized towards certain in-network providers.

    Some service providers have set limits on how much is paid by the policy holders, in in-network and out-of-network services. This means you can end up paying 5000 USD for in-network care and 20,000 USD for out-of-network care every year. The cap differs from policy to policy and provider to provider.

    When you opt for in-network health insurance plans, make sure it works for you. For instance, verify if your local doctor is a part of the network. Likewise, you can verify if the plan would be useful when you travel around the world. These verifications will help you make a wiser pick.

    In some cases, the out-of-network health insurance services, may not have a maximum level cap on the costs. Here is a simple example to demonstrate in-network and out-of-network plans.

    For instance, if Jane has a charge of 50,000 USD and BCBS has identified an in-network rate of 40,000 USD with the physician; Jane’s co-healthhealth insurance insurance split, would be 80/20. Here, Jane will end up paying 20%. On the other hand, she would have a maximum cap of 5000 USD annually. When it comes to out-of-network health insurance policies, the physician will make Jane pay the 10000 USD difference. This is where the health insurance would prevail from paying a big percentage. Also, Jane wouldn’t have a maximum cap on the money she pays every year.

    Finding in or out-of- network health insurance providers

    The process of finding in-network and out-of-network health insurance service providers, is tougher than what you can imagine. Technically, the easiest way would be by asking your physician. They will tell you if they are in or out of network. Unfortunately, a lot of doctors are unclear about the network they deal with. And, you cannot rely on the plan document since it would change frequently.

    Another easy way out, would be a single call to the health insurance service provider or browse through the healthcare insurance company’s webpage. Remember that, this analysis will help you save several thousand dollars. The only authentic and reliable piece of evidence would be your health insurance plan. After all, the idea of calling health insurance providers is not easy. And, online websites will only tell you who is in and out. Some third party agents like BlueCrossShield have special add-on features like “Provider Finder” to help you check if a doctor is in or out of network.

    Heart Attack Situations

    The only exception to in-network and out-of-network health insurance service policies is how emergencies are handled. If the health condition is not an emergency, you can always rely on the internet for additional information. You can schedule appointments using online portals. In case you don’t schedule an appointment, you may end up paying a hefty bill to an out-of-network provider. You must check ahead of time if anything is not identified as an emergency.

    The need for air ambulances increases during tacky emergency situations. A major challenge faced by people in Montana would be the quest for in-network helicopter companies that don’t ask for a huge pay. And, a lot of health insurance companies in Montana end up paying the going rate but not the charges of air ambulances. The rest of the pay is meant to be borne by the patient.

    What happens when a plan has no Benefis?

    According to Goodnow, a difference of 10 USD is all that it takes for patients to change their doctor. If you are not prepared to change your doctor, you should pay the out-of-network price. This price can differ drastically. After all there is no such thing as a standard price amongst private hospitals or doctors. Also, Goodnow believes that most health insurance companies steer away from healthcare providers with higher costs. They prefer doctors, who are ready to take what the health insurance company quotes.

    Meanwhile, you should remember that you would not quality for a health insurance exchange subsidy, when you reject a health insurance policy, offered by your employer and buy your own health insurance plan. However, you can always discuss with your employer if your healthcare provider can be included to the network.

    Rocket science

    A lot of people refrain from reading and understanding their health insurance policies, due to its complexity. To learn more about the policy, you should start from the glossary. Also, scan through the summary of benefis. In case your company offers healthcare policies, you should talk to your HR team before proceeding further. Always take as much time as required and understand your health insurance policy before going further.

    You will be astounded to note that the contract between health insurance companies and service providers, is a lot more complicated. These contracts can span from 30 to 100 pages. Generally, the contract would state what, when, why and how the payments are made.

    Luckily, reputed health insurance service providers offer tutorials about their coverage and special features. If you have a member ID or group number, you can use it to obtain more details. During these calls, you will have the wit to ask several questions. With many questions, you will have the competency to make better financial outcomes and wiser health choices.

    Deductible and long term outcomes of Health Insurance Plans

    Due to in-network pricing, you may end up spending a little bit of money during a doctor visits and treatments. This is an inevitable situation!

    Charity sponsored healthcare

    Most patients without health insurance policies, end up visiting non-profit hospitals and clinics. These hospitals will give you a hand of help, irrespective of your financial background.

    And, when you rely on ER, the process of getting your way through healthcare will become tough.

    When you move out of ER, you will not receive idealistic health insurance services without insurance. Additionally, the safety net offered by charity care will fade away in no time. This can be attributed to the need for health insurance service providers.

    Health insurance serves as a cap on your responsibility. If you don’t have a healthcare insurance policy when on an emergency visit, you will end up spending more than the predestined deductible. Meanwhile, if you have Medicaid to help you out, you are certainly better off!

    Negotiating your Health Insurance Plan

    A lot of people ponder, if they should negotiate the price of their health insurance policy or not. Well, healthcare is not like buying clothes or vehicles. Instead, it is a sensitive business where health insurance companies negotiate with hospitals, doctors and healthcare providers. There is very little a patient can do. If you wish to save money, you must opt for in-network providers.

    Luckily, if you feel like you are robbed, you can call over the billing office and verify your medical bills. As you go through every line of item, you will see interesting prices like 22 USD for aspirin, which barely costs a penny. As a patient or potential investor, there is very little you can do. Instead, the health insurance company will act like your immediate buffer. The healthcare providers will help you bag a decent deal! Bear in mind that you will receive the rate they negotiate on behalf of you.

    In some situations, you can play around with the deductible. For example, if you need a knee replacement but the deductible is already met, you should either postpone the procedure or wait till the deductible cap resets.

    Knowing more information about the health insurance policies

    Do you buy milk without knowing its price? Do you buy eggs without knowing its cost-per-dozen? When we serve as consumers, the world treats us completely different. Unfortunately, the healthcare industry treats us as different species. Health insurance providers have converted the medical industry into a pricy shop.

    In reality, if a person wished to have a heart transplant on one day and a knee replacement on another day, he/she should call different sites for a price quote. The final quote depends on how complicated the situation can get. A lot of healthcare service providers are striving hard to make it a simple price shop; unfortunately, this is how the healthcare industry serves in USA.

    The final price of a healthcare routine depends on several variables. And, patients are free to ask for information at all times. Remember that it would be wise to know more about your deductibles and premiums for a safer investment (especially, if your healthcare provider is a part of out-of-network or the co-pay).

    With all this being said, it is evident that you should do lots of homeowner about the health insurance company. You must gather as much information as possible to play safe. Recently, Benefis has come up with new schemes and initiatives that will help you make an upright investment at the right time! These initiatives will save you from unexpected surprises or challenges. According to experienced marketers and health insurance service providers, upright estimates will make sure you know what you ought to deal with. Meanwhile, some health insurance companies take pride in offering support with price comparisons.

    BCBS has special mobile services to help you compare and contrast differences between the actual cost and expected benefis from in-network providers. Doran says that with the right kind of information, you can make informed decisions and analyze everything in-front of you. There can be plenty of discrepancy between locations; and it is up to the investor to make a final decision based on the coverage, cost and quality.

    Past versus Future – the next big health insurance investment

    Past histories don’t have a massive impact on future health insurance policies. A lot of people endure physical problems, without any expectations. No one clearly knows when and how they would fall ill! Health insurance offers peace of mind and extensive amounts of protection.

    For instance, how much do you think a car accident would cost you? Or, perhaps you got hit by a bus and is hospitalized with severe injuries! What would you do now?

    A lot of people don’t sense a wave of illness or discomfort till they meet up with the need to visit a physician or local hospital. In fact, some people spend several weeks in rehab centers with medical bills that cross several thousand dollars. Unlike conventional bills, medical bills can become expensive and really high in no-time!

    Health insurance is a part of preventive care. It is much cheaper than handling medical expenses from your pocket. Benefis employees are asked to undergo a biometric test every year. This test revealed many shocking facts. Employees who believed that they were fine and healthy had chronic illnesses like hypertension and uncontrollable cholesterol levels. Benefis has seen many types of patients. For example, a person with a month-long infection that could have being treated by general physicians opted for an in-patient admission. This ended up costing several tens of thousands of dollars.

    Handling the Health insurance Gap

    Health insurance service providers are striving hard, to handle this gap as soon as possible. However, the rate at which the coverage is approved and signed depends on the Federal Government. In case authorities approve the Montana waiver quickly, the health insurance gap would be signed up at a faster rate. Very recently, a new kind of program was passed by the Montana Legislature. The scheme was meant for extending health insurance policies to people who exploit Medicare drastically. The most up-to-date request would be the Montana Waiver, which would be passed after the state’s comment period (end of September). People who qualify can opt for open enrollment from October 1.

    Medicare health insurance holders, will not be affected by the expansion. And, people who are unable to face unexpected bills, should be prepared to exasperate. Plenty of effort is put to make sure the billing cycle is completed as quickly as possible. As the bill reaches a health insurance company, it may be rejected. Conversely, the appeal would go on for several months. People who make prompt payments will be delighted with sensational discounts.

    If you are new to health insurance policies, approach your healthcare provider for more information. They will help you choose an ideal payment method and policy. Additionally, Benefis will aid you in handling bills based on your income. Patients can spread their payments across a predestined and achievable schedule. It will be typical to receive a bill after a year or two. However, at all times it would be wiser to talk with your health insurance provider and clear out doubts! Talk your way through for a safer and smarter deal.

  • Medical Insurance Quotes Online

    Medical Insurance Quotes Online

    When all seems fine goes well, we tend to live a quiet life, not thinking about the possible contingencies that may arise. Therefore, to live better and quieter, it is important to choose from top medical insurance quotes to cover our needs and of those we love.

    Selecting best medical insurance quotes

    Surely you’ve at least once checked medical insurance plans or hired a health insurance company. No matter your situation, the below 5 tips for selecting the best medical insurance quotes will interest you:

    1. Look for medical insurance quotes with clear and realistic plan. Find a company with good experience in health care, and able to offer a wide choice of professionals and own hospitals or concerted
    2. Double check the coverage offered and safe complementary features such as: accidents, compensation for hospitalization or illness, compensation for surgery, travel expenses and transfers, etc.
    3. Choose medical insurance quotes that have no penalty systems and allow you to go to several specialists in the same month and if necessary testing without extra cost.
    4. Medical insurance quotes with dentistry solutions. The best policies already offer free consultations, but others take over 50% of the costs for the most common treatments and exclude orthodontics, dentures, implants, etc.
    5. Search for insurance quotes which includes low grace periods, as some companies offer grace periods during which you do not have access to services such as surgery, childbirth or some expensive medical tests. This is done to avoid hidden fees when you purchase health insurance only to cover timely surgical intervention.

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    Medical insurance quotes: Staff and Reimbursement

    How do you select the best medical insurance quotes? To make things easier, we share additional recommendations. Yes, before sticking to a specific health insurance plan, take into account the following tips:

    Decide on what type of insurance plan you want to hire. In the choice of best medical insurance there are different types of plan you should look out for:

    • Medical Staff: The insured can choose which doctor or clinic before going into the agreements with the entity.
    • Reimbursement of expenses: The insured may visit the doctor you want (in the country, or worldwide) and the Company reimburses a percentage of the bill that has been paid (between 80 and 100%).
    • Mixed: The insured may visit the doctor you want and the insurance company reimburses a percentage of the bill. Additionally, you can choose doctors or clinics medical table without paying.
    • Capitation: The insured can go to a single medical specialty.

    Also note whether the insurance company specializes in healthcare, before selecting a medical insurance quote. Believe it or not, not all have the requisite knowledge about the sector. Thus, the following points can help you out:

    • If they have extensive experience in the sector.
    • If they have a wide range of doctors and clinics available to the insured.
    • If they have global assistance in an emergency.
    • If they have responsiveness to study cases provided for us.
    • If they offer customized products, tailored to each person.

    Apart from the above, check if the company offers additional services relating to health. As you can tell, selecting between medical insurance quotes is not easy, but you can make it happen.

    With clarity and patience, you will be able to spot the ultimate medical insurance quotes. You may be able to save up to 50%: fast and simple.

  • Compare Private Medical Insurance Plans

    Private Medical Insurance Plans

    Choosing private medical insurance plans is easier said than done. It is a tacky process that requires lots of homework and research. As you browse through the internet you will come across user-friendly policy finders that will help you round-down to a plan that offers complete coverage at an affordable price. Before you handpick a policy, you should keep some basics in mind. And, this article will help you choose the right medical insurance plan and save tens of thousands of dollars.

    Checklist #1 – Know your must-haves

    First of all, you should identify a list of must haves. Some medical emergencies cannot be anticipated. However, if you ought to get married, it is obvious that you should have maternity coverage. Likewise, if your family have a history of cardiovascular problems, your private medical insurance plans should cover cardiac tests and drugs. According to the Affordable Care Act, the plan you pick must cover at least a dozen services. And more on original donut shop keurig single serve k-cups

    Checklist #2 – Affordable

    Don’t buy private medical insurance plans that are expensive and irrelevant. A lot of people end up buying insurance policies that are well beyond their abilities. Young policy owners must go for plans that have a high deductible. This way you can save money and pay a lessor premium in the long run.

    Checklist #3 – Network

    Thirdly, you should investigate more about the network covered by the private medical insurance plans. In case you have specialists and primary healthcare physicians in your mind, check if they are covered by the medical insurance plans. Most policies don’t cover out-of-network healthcare needs.

    Checklist #4 – Coverage

    When you sign for private medical insurance plans, keep track of the cost you must cover. This is not a complicated treasure hunt or crystal ball gazing. All plans will clearly state how much you should pay from your pocket. There are fee split ups called co-payment and co-insurance to talk about the amount you must pay. Seamlessly, the co-payments may add up during small bills and leave you obligated with expensive ones (several thousands)! When you buy private medical insurance plans, check if essential drugs are covered. Make certain the plan contains a list of medications covered (especially if the drugs are costly).

    Checklist #5 – Limits

    Watch out on the services and annual limits of the policy. Most private medical insurance plans don’t offer a limit less than 1 USD million. However, the Affordable Care Act states that limits are not required on services; if required you can go for a waiver on the annual margin.

    Checklist #6 – Dependents

    This plans have special terms and conditions for dependents. In case you have kids (who are below 26 years of age), without any health insurance coverage, the law lets them come within your policy. There are no pre-conditions to exclude kids who are below 19 years from private medical insurance plans.

    Checklist #7 – Plenty of Research

    Finally, walk through as many plans as possible before finalizing on your private medical insurance plans. Thorough research will help you bag the right plan at the right time!

  • Family Medical Insurance Plans: How good is yours?

    Family Medical Insurance Plans: How good is yours?

    It takes lots of effort and time, even months, for a service provider to convince potential customers to buy some family medical insurance plans. Unfortunately, the process of choosing a medical insurance policy is easy said than done. This is because there are many policies out there with different types of features and options.

    Family medical insurance plans: For small families

    If your family is very small (less than four members), family medical insurance with floater interests will be ideal. These policies are structured to cover the entire family. The floater plan comprises of a higher premium, when compared against conventional policies. By opting for family medical insurance plans with floater interests, you will inquire a calculated risk in the initial days. These plans have a waiting period of two to four years.

    Family medical insurance plans: Insured versus uninsured

    A lot of people don’t buy family medical insurance plans if they are covered by the company or employer. Unfortunately, this is a very expensive mistake. An additional health coverage policy is important and useful. Always remember that you will be uninsured when you leave a company or switch jobs. And, buying a fresh policy will not cover your health needs immediately. This is why you should have a stand-alone health insurance policy in your kitty at all times; best coffee and tea products

    If you don’t have a conventional job, family medical insurance plans will be of utmost importance to you. For such people, a simple policy that takes cares of hospitalization will not be sufficient. Self-employed individuals must be insured to tackle funds that are lost as a result of hospitalization.

    Family medical insurance plans: Policies for elders

    If you are living with elders, family medical insurance plans with floater interests will not be a wise pick. Since, the oldest family member determines the premium charge. The more old family members are included, the more the charge increases. So, think twice before you choose a plan for your family.

    Family medical insurance plans: Smaller details

    A lot of people tend to handpick family medical insurance plans based on the premium charged. However, the plan’s features are also important. You can learn more about a policy by reading through its documents. Take a good look at the plan’s terms & conditions. Make sure the plan guarantees a sum with sub-limits. Plans without any sub-limits will have a bigger premium but they are much safer and better. Meanwhile, take a good look at the co-payment split up. Co-payment is the amount an insurance policy holder promises to repay while settling the bill. Moving on, you must be aware of the plan’s exclusions. Different types of health plans have customized rules regarding exclusions. For example, knee replacement may not be handled in the first two years.

    Family medical insurance plans: A huge network

    Finally, you should verify if a huge network of hospitals is covered by the family medical insurance plans you buy. Some policies cover more than 3000 hospitals; whereas, certain insurance plans are restricted to few tens of hospitals.Regardless of the count, make sure the family medical insurance plans cover hospitals that are close to your house.

  • Individual Medical Insurance Plans – 7 Known facts

    individual health insuranceA lot of individuals believe that every individual medical insurance plans, would take care of every other hospitalization expenses. Unfortunately, reality is completely different to this usual belief. Most healthcare insurance schemes, are fine tuned to serve a specific purpose. These policies may not take care of your medical requirements at all times. This is why you should handpick the right kind of policy at the right time! There are many under-publicized healthcare policies in the market. These policies remain unused most of the time. Conversely, you should choose medical insurance plans, that best suit your needs and wants

    Here are seven known facts about individual insurance plans for commoners.

    Individual Medical Insurance Plans: Fact #1 – Add on expenses

    Most medical insurance schemes, are framed to handle the direct cost of hospitalization. Nevertheless, have you ever wondered what happens to the expenses that add on? Or, do you know how refreshments and food can be covered? This is why you should verify, if the policy offers daily hospital cash allowances. This is an integral scheme that would take care of every other medical bill too.

    Individual Medical Insurance Plans: Fact #2 – Convalescence

    22font-size: 12pt; font-family: ‘times new roman’, times, serif;”>The benefit of convalescence differentiates many individual medical insurance plans from the rest. It would take care of the insurance plan owner’s recovery expenses too. Technically, this feature is also known as recuperating benefit. It is an essential feature that delights the insurance owner with a lump sum. Nevertheless, the actual duration of the hospital stay should be between 5 to 12 days. In some individual medical insurance plans, post-hospitalization is a part of the recuperating period.

    Individual Medical Insurance Plans: Fact #3 – Alternate Treatments

    Some individual medical insurance plans, are framed to provide financial support for alternative treatments. According to standardInsurance Regulatory & Development Authorities, non-allopathic cures like homeopathy, ayurveda and unani are covered by the insurance schemes. These policies owe to reimburse at least 25% of the actual expense. – More on best fitness monitor

    Individual Medical Insurance Plans: Fact #4 – Coverage

    Generally, insurance owners believe that the policy is restricted to day-care routines or hospitalization. Nevertheless, standard insurance schemes tend to offer a wider coverage. It takes care of domiciliary treatments too. Before you sign-up for an insurance policy, make sure you read through its terms and conditions. All individual medical insurance plans are worded carefully. Thus, you will not have any issue knowing its coverage.

    Individual Medical Insurance Plans: Fact #5 – Transplantation

    Emotionally and financially, transplantations can have a massive impact on you! Apart from the recipient’s treatment charges, the donor’s expenses would be added to the hospital bill too. Nevertheless, there are insurance policies to take care of the donor’s expenses too!

    Individual Medical Insurance Plans: Fact #6 – Childcare

    Insurance plans do have fixed allowances for childcare. In case a child (below 12 years) is hospitalized, all expenses made will be included in the insurance plan. For instance, individual medical insurance plans from service providers like Oriental, are structured to payback sicknesses for a maximum of 10-long days.

    Individual Medical Insurance Plans: Fact #7 – Lump Sum Returns

    Finally, medical insurance plans tend to offer lump sum reimbursements. These are special policies that cover critical illnesses and medical routines like chemotherapy & dialysis. The high end individual medical insurance plans come with intuitive survival benefits too.

  • The Perceived National Impact of Affordable Care Act

    The high cost of Health Insurance in Ohio

    The foundations and the intent of the Affordable Care Act are laudable. The way it’s being implemented is a disaster. By: Patrick Soon-Shiong

    An outline on health insurance policy in America, has shown that Ohio is among the states with highest health care expenses. According to report from Cleveland, Ohio is just behind Illinois and Texas in the enrollment for high deductible health plan. With all things being equal, Affordable Care Act has nothing to do with this, but its self is not been reasonable.

    The health insurance deductible, has been considered the main offender. It pulls in more people while its health premiums offer minimal protection with respect to high charges. Affordable Care Act on the other hand, offer considerable advantage, with protection fundamentally secured with almost at no cost. While other specialized services test, crisis management, medications and claims have higher costs. Health insurance deductible as high as $10000 per year, is possible and mostly offered by employees.

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    In the United States, families that stay away from consideration, fall between thirty percent or more, of those with $1,500 deductibles or more. High deductible health plan, as of late have exploded to several millions across the country. As a result, the insurance corporations have begun discovering novel ways for standard enrollment, while trying to get more cash from customers enrolling or from those not willing to pay for the high deductible health plan. In line with Center for Health Affairs, the community (2011 – 2013), witnessed a dramatic rise in awful coverage, covered by doctor’s facilities from $274m to $631m

    Medicaid has been extended in Ohio, with respect to the Affordable care Act. Consequently the United States government insures all with no extra expenses for long term development (3 years), while you pay 10% after that. Other states, within the US have also extended their programs too. Medicaid is a federal government health insurance offered per US states to people below age 65, while Medicare goes to those older than 65. However, only a certain percentage of people qualify for both. Medicare was designed by President Johnson, in 1965 to take care of the elderly,

    irrespective of their economic background. The Affordable Care Act, mandates every residents in the US to get insured or pay a fine. Thus many have struggled in between paying fines, prior tests, surgeries and treatments or paying for health insurance deductibles. Free healthcare no longer becomes free, due to additional expenses for your personal total satisfaction. The Affordable Care Act was designed to provide health security to people who want it and not to punish those who don’t. It also offers a medium to check unemployment by debilitating the monetary framework, but many feel otherwise;

    Social security is offered to all at some level, though we all ought to have health insurance plans. The appeal of Obamacare might diminish to future leaders, so the reality that awaits it in future is yet to be ascertained. Many have criticized its policy, as been too expensive, while others commend it. For now, the reality for Ohioans is to seek more affordable health insurance plans, while they await to discover the future plan for the Affordable Care Act

  • Health Insurance Companies Set to Raise Obamacare Premiums

    Health Insurance Companies Set to Raise Obamacare Premiums


    Millions of people who pay the full cost of their health insurance will face the sting of rising premiums next year, with no financial help from government subsidies.

    Renewal notices bearing the bad news will go out this fall, just as the presidential election is in the home stretch.

    “I don’t know if I could swallow another 30 or 40 percent without severely cutting into other things I’m trying to do, like retirement savings or reducing debt,” said Bob Byrnes, of Blaine, Minnesota, a Twin Cities suburb. His monthly premium of $524 is already about 50 percent more than he was paying in 2015, and he has a higher deductible.

    President Barack Obama’s health law provides income-based subsidies for consumers who buy individual policies on HealthCare.gov and state insurance markets. About 10 million people get assistance, helping reduce the uninsured rate to a historically low 9 percent.

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    But there’s no subsidy for those making more than $47,520 for an individual and $97,200 for a family of four – cutoffs that represent four times the federal poverty level. Also, subsidies are not available for consumers at any income level who purchase outside of HealthCare.gov or a state marketplace. Those who remain uninsured risk fines.

    Premiums are expected to climb next year in many areas because major insurers have taken significant financial losses under the health law. Enrollment has been lower than anticipated, new customers were sicker than expected and a government system to stabilize the markets had problems.

    “People receiving subsidies can protect themselves from premium increases, but others who buy their own coverage don’t have that option,” said Larry Levitt, who tracks the health law for the nonpartisan Kaiser Family Foundation. He estimated 5 million to 7 million consumers nationally may be paying full freight.

    Byrnes, a manager for a medical courier service, says he supports the law’s goal of expanded coverage, but he hasn’t found his policy particularly affordable.

    In the small East Texas city of Lufkin, Kirk Smith buys his policy from the only insurer available, which also happens to be the state’s largest.

    Blue Cross Blue Shield of Texas is seeking an average premium increase of nearly 60 percent for 2017, and Smith says his monthly bill of about $350 is already about as much as a car payment. Moreover, he’s had to drive to a neighboring county for medical care because he couldn’t get an appointment close to home.

    “I’ve got a problem when you can’t see somebody in the county, and they want an increase?” said Smith, who works for a contractor installing telecommunications equipment. He said the government should subsidize everyone in rural communities with no insurer competition.

    Michelle Scarola of Queens, a borough of New York City, said she has received notice that her 2017 premiums will be going up in a range of 8 percent to 25 percent. Scarola, who’s in the midst of a career transition from advertising to interior design, isn’t happy that her insurer dropped the hospital network she’s interested in.

    “For people like me who are in the middle, there is very limited choice, and now that limited choice is going to get more expensive,” she said.

    Insurance broker Liz Gallops in Raleigh, North Carolina, says she tries to let customers vent about large increases. Some see insurance bills that surpass their mortgage payments. The state’s biggest insurer is proposing average increases of nearly 19 percent.

    “I’ve had people yell on the phone,” she said. “I’ve had people curse.”

    Back in 2010, the Obama administration used public anger about premium increases as leverage to win passage of the health law. It now says worries about next year’s premiums are premature because final rates have not been approved. Officials say people who don’t receive subsidies still have options.

    For example, some people buying directly from an insurer might find that they qualify for subsidies if they go through HealthCare.gov.

    Those who make too much for a subsidy still can shop for lower premiums. Under the health law, insurers have to accept consumers with health problems. People are no longer locked into a plan indefinitely.

    Another wrinkle is that people who pay their own premiums may be able to later deduct the cost on their income taxes. But the rules are complex, and it’s not the same as getting an upfront subsidy.

    It may seem counter intuitive that premium increases for health law policies also hit people who get no financial assistance. It’s happening because the law created one big insurance pool in each state for consumers buying individual coverage, whether or not they go through markets such as HealthCare.gov.

    Many people respond to premium hikes by switching to skimpier coverage, yet that leads to bigger medical bills if they need treatment. Some insurance brokers encourage customers to get plans linked to a health savings account. But rising premiums can cut into how much people stash away.

  • Access to health insurance in Mass. still complicated, inconsistent

    Access to health insurance in Mass. still complicated, inconsistent

    ncqaThe truth about the health insurance system is it’s just very complicated,” “there are people who are truly ineligible for subsidies, people who don’t know the subsidies are available, and people who, even with the subsidies, insurance is too expensive,” Boros said.

    A recent survey about health insurance access and costs reveals that while Massachusetts still leads the nation in the percentage of insured residents, health-care costs continue to outpace inflation and income growth, leading roughly one in six respondents to forgo medical care because of potential costs.

    In terms of long-term trends, Massachusetts has led in the percentage of those with insurance but has struggled with high cost of health care for many years and families have had to adapt to that for many years,” said Aron Boros, executive director of the Center for Health Information and Analysis, which undertakes the annual survey.

    But Mr. Boros said he was surprised to see that the survey revealed that health insurance for many is inconsistent.

    “One thing that surprises me is that even though we have an insurance coverage rate of 96 percent, there are still a large number of people (13.6 percent ) who are uninsured at some point in the year,” said Boros. – best coffee grinder

    The Center for Health Information and Analysis undertakes an annual survey to gauge health insurance coverage, health care access and use, and health care affordability for state residents. The survey was administered between May and August and involved 5,002 individuals including children, adults between 19 and 64 and adults aged 65 or older.

    The survey includes findings that:

    – Massachusetts continues to lead the country in the percentage of residents with health insurance in 2015, with 96.4 percent of residents covered by health insurance versus 90.8 percent of residents nationwide.

    – 87.3 percent of the uninsured in Massachusetts in 2015 are working age adults and were disproportionately likely to be male, single, Hispanic and with a family income of less than $46,800 a year. Many of these uninsured may be eligible for Medicare or subsidies for health care.

    – One in six respondents reported an unmet need for health care because of cost, and one in five reported an unmet need for dental care due to cost. Moreover roughly one in six respondents reported difficulty paying family medical bills in the last year.

    – More than half of those who are uninsured cited the cost of coverage as a key factor in their decision, the most cited response.

    – 13.6 percent of respondents reported changing to their current form of coverage from being uninsured at some point in the past in 2015.

    Mr. Boros said health care and the care system is so complex that it was difficult to give any one explanation to why people remained uninsured when subsidies are available.

    The truth about the health insurance system is it’s just very complicated,” “there are people who are truly ineligible for subsidies, people who don’t know the subsidies are available, and people who, even with the subsidies, insurance is too expensive,” Boros said.

    Looking closer at the issue in Worcester – where approximately 20 percent of the population is Latino and the median income is $45,994, according to the 2015 Greater Worcester Community Health Assessment – supports this statement.

    Ivelisse Delgado, reception/benefits supervisor at the Edward M. Kennedy Community Health Center, said that most of the center’s uninsured patrons haven’t decided to reject health insurance – in fact, they often don’t realize they lack insurance.

    Most of them are coming in with inactive insurance,” Ms. Delgado. “They have lost their coverage, and we see more of those people coming in than anything else.”

    Ms. Delgado said that most of these patrons have been dropped from Medicaid/MassHealth for failing to renew their insurance, provide proof of income and residency, or other documents necessary to retain coverage. The health center does not keep statistics on the ethnicity of its uninsured patients without insurance. But the center services clients who speak nearly 100 different languages (Spanish is the second most common language after English) and many clients are new to the area and/or new to the country, Ms. Delgado said. Language barriers, a lack of cultural awareness or lack of access to information can also make the renewal of insurance difficult.

    So Ms. Delgado oversees the effort to help patients and community members sign up for or re-enroll in health insurance.

    Staff educate clients on the benefits of insurance in terms of receiving medical care and avoiding tax penalties. If the client desires, staff will help them evaluate insurance options, select a plan, and fill out the application for coverage.

    Ninety-six percent of patients who participate in the process are approved for insurance, Ms. Delgado reported.

    The health center also has a federal grant to offer insurance-counseling services throughout the community, giving presentations or offering walk-in services at various locations in the Greater Worcester area.

    Through these services, the health center assists 11,000 people a year, and enrolls an average of 8,000 people a year in health insurance, according to Paula Green, vice president for advancement.

    As for cost of health care, the health center offers a sliding fee for services dependent on income, so Ms. Delgado said that they are not having patients report that they are forgoing care because of ability to pay.

    But other data presented puts the issue of affordability in sharper focus.

    The Health Policy Commission’s 2015 cost trends preliminary report, presented last week, raises concerns about a 6.3 percent premium increase scheduled to take effect in January in the state’s merged insurance market. The preliminary report also notes a 5 to 6 percent increase in U.S. health care spending growth in 2015 – a larger growth than in recent years – and that increases in health insurance premiums have outpaced income gains, consuming more than 40 percent of family income growth since 2005.

    The presentation was optimistic, however, about low rate of growth in physician and hospital services, a well-functioning Health Connector website “marketplace for insurance,” and stabilizing numbers of enrollees in Medicare.

    But it echoed the CHIA report in reporting that 16.9 percent of residents reported an unmet need for health care due to costs. Furthermore, 19 percent of Massachusetts residents paid more than $3,000 out of pocket for health care, 17 percent of residents were paying off old medical bills and, of these, 9 percent owed more than $8,000.

    Mr. Boros said that the CHIA survey is trying to better analyze such costs by including, for the first time this year, questions about medical debt and access to care non-physician healthcare providers who generally offer lower cost services.

    One of the principals of health care reform is that you always want to have right care at the right time and in the right setting, and you always want to pay the smallest amount for the right care,” Mr. Boros explained.

    But he said that a lack of a multi-year data set concerning access to non-physician service providers makes it difficult for CHIA to suggest policy changes and to see if this is a trend.

    But David Auerbach, deputy director for research, at the Health Policy Commission, said that Massachusetts is one of the most restrictive states in the types of services a nurse practitioner can provide, primarily because Massachusetts does not allow nurse practitioners to prescribe drugs or work without an affiliated physician. Mr. Auerbach also referred to the commission’s prior work on this issue that concluded these restrictions may represent an unnecessary barrier to cost-effective care, and that nurse practitioners are, nationally, more likely to treat poor, minority or rural populations.

    Dr. Dennis Dimitri, president of the Mass. Medical Society, said that pairing physicians with nurse practitioners, nurse assistants and other non-physician care providers enable a collaborative, team approach that can provide a wider range of expertise. Dr. Dimitri described this as part of an “integrated model of care” that aligns care providers to offer patients’ many levels and types of services. But this model also consolidates services among a few provider networks. So asked whether this model – which Dr. Dimitri said was increasing in medical systems – was cost effective, Dr. Dimitri gave a familiar response…

    That’s tough to answer,” Dr. Dimitri said. “Economists always warn of reduced competition…but what I described to you can also lead to control of costs. If you have multiple points of care monitoring conditions you can avoid unnecessary emergency department visits, unnecessary re-admissions; it’s preventative, so heart disease or diabetes can be managed and isn’t out of control and then you encourage large efficiency.”

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  • NCQA Releases Health Insurance Plan Ratings for 2015

    NCQA Releases Health Insurance Plan Ratings for 2015

    National Committee for Quality Assurance (NCQA) has released new ratings, for measuring the performance of consumer health insurance plan in key areas.

    The new methodology has been in development for over two years, and it provides a more accurate view on the state of various health insurance plan, by evaluating the quality of service rendered by over 1000 health insurance plans. NCQA’s Health Insurance Plan Ratings 2015–2016, covered about 138 million people. They analyzed 1.358 health insurance plans, and ranked 1,016; Medicaid – 149, private – 491 and Medicare – 376.

    The new ranking for health insurance plan, gave priority to the satisfaction of the consumer and their health outcomes, and remains in harmony with the CMS Star Ratings of Medicare Advantage plans.

    Key deductions from the 2015-2016 health insurance plan ratings:

    Source: NCQA

    • Great Lakes and New England health insurance plans, are the best in customer satisfaction and performance. Wisconsin, Vermont, Maine, New Hampshire, Massachusetts, Michigan, Pennsylvania and New York health plans, received the highest percentage of 4.5 to 5.0 out of 5. * Out of 1,016 health insurance plans, 11% got the best ratings – 4.5 to 5.0 out of 5, while 5% received 1.0 to 2.0. Under a graph, most of the plans fall in the middle, thus forming a bell curve.
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    NCQA earlier health insurance plan ranking, is in conjunction with Consumer reports and US News. NCQA ratings comprises of:

    • Consumer Satisfaction obtained from surveys
    • Prevention – the role each health insurance plan play in preventing diseases through regular tests
    • Treatment – how the health insurance plan, provide recommended scientific care, for most sickness like heart disease, depression & diabetes.

    The outcome of a patient, brings an extra score during scoring for health insurance plan, in each category. In this case, is the disease brought under control or under specific recommended levels?

    This emphasis on results means that, together with consumer satisfaction, outcomes are the main driver of ratings results – NCQA said.

    The broad categories under which these health plans were grouped, provide consumers a simple guide to knowing their health insurance plan better. Drilling further, any consumer can learn how a particular health issue is being handled, under a health insurance plan.

    For instance, the efficiency of postpartum and prenatal care, may be of interest to expectant couples, while some families may want to know more about the 10 procedures of pediatric preventive care and cure.

    NCQA says it will maintain consumer Reports-NCQA relationship.

    About NCQA

    The National Committee for Quality Assurance, is a non-profit, private organization focused on improving the quality of medical care. They rate the health insurance plan, accredit health care organization, and recognizes key are of performance for clinicians.

  • insurance on health

    The impact of Health Insurance on health

    The impact of Health Insurance on health

    The presumption that people with health insurance plans, under the Affordable Care Act, will be healthier may be a farce. It often follows the idea that consumers with a particular illness will get the right drugs at their disposal, if they get health insurance plans.

    A recent study by Health Affairs, has thrown more light on the salutary effect of health insurance plans on chronic diseases. The study shows that as more (about half) uninsured (non-elderly) get enrolled for health coverage, close to 1.5 million additional new cases of people with chronic disease, will be recorded while about 659, 000 will get their sickness under control.  Referencing other studies, like in the aftermath of Massachusetts’s health care reform, mortality rate for ages 20 – 64 dropped (8 fewer deaths per 100, 000 adults) and many residents in another study for the same period, reported better health and preventive care under health insurance plans. These results have added unto the growing debate on the impact of health insurance plans on health, best fitness monitor

    An Oregon research for people selected randomly by lottery, for health insurance plans or coverage, showed a major impact on financial health and mental health by Medic pressure and cholesterol level, experienced no significant change.

    Another study shows less child and infant mortality, because of Medicaid expansion to pregnant women in the 80’s and 90’s.

    We can infer that, health insurance play an important role in improving health, to a degree depending on how the research is conducted or questions asked.

    I suppose one of the major motivations for us in doing this study is there’s been so much debate about the Affordable Care Act and relatively little discussion of health, whereas there’s been quite a bit of discussion about financial outcomes.

    said Joshua Salomon –  a global health professor, at the Harvard Chan School of Public Health.

    They analyzed the health status of participants, by comparing the health of those with health insurance plans and those don’t have it. The participants were extracted from a National survey between 1999 and 2012. The result showed that the likelihood of being diagnosed and getting the chronic disease under control is higher within the insured (with health insurance plans).

    The methods and data application involved in this study, is not very much different from what is already being used in other health research, except insurance deductibleinsurance, which is not a direct contributing factor to health.

    Sharon Long, of the Urban Institute health policy center, said that the large survey numbers, can overestimate the importance of having a health insurance plans. In general, researchers do agree on the benefits of health insurance plans.

    A health economics professor from Harvard Chan School of Public Health, Katherine Baicker feels that having health insurance plans are better than not been insured.

    What seems much less clear to me is how that option compares to other options. None of these studies say which is better: expanding Medicaid, or vouchers for private insurance.

    The ideal question now, should be how to restructure health insurance plans, in other to make people get the best from it, and not how big is the effect of health insurance plans on health. Also, there are growing interest involving health insurance coverage and the best way to improve health like poverty eradication. Poverty is mostly associated with poor health.

    In response to this, Sharon Long asks whether if pollution (air and water) are addressed, what do we see? Rather than expanding health insurance plans, can there be new strategies?

  • insurance health

    Types of Medical Insurance Plans

    Types of Medical Insurance Plans

    Affordable medical insurance plans has grown steadily in the past decade with the rise of insurance corporations, with several offering low cost and cheap medical insurance plans. This plans are accessible anytime, anywhere through their online platform. The insurance industry is very competitive and technology has played a crucial role in making medical insurance plans accessible and affordable. People can now get coverage irrespective of their budget size.

    The most common medical insurance plans are the simple plans, individual, group or family medical insurance plans, private medical insurance, travel medical insurance and the free health insurance coverage, etc.

    Finding the best medical insurance plans requires patience. By being patient, careful and detail in your search, you will likely get an insurance policy at a bargain price. There are lots of freebies attached to certain medical insurance plans, as well as extra cost or limited coverage in special cases. So take your time in digesting any policy or policy update that you are given, before making your final decision.

    Keep in mind that for any medical insurance plans you choose, the insurance company will require some tests and other information in other to assist you properly. Below you will find generalities that are absolutely imperative for medical insurance plans!

    • They won’t assist or accommodate without procedures for acquisition or a medical tests.
    • Automatic enrollment in the program.
    • Protection 24 hours a day with individual medical insurance plans anywhere in the world.
    • Toll free from anywhere in the world to request medical insurance assistance.
    • No deductible.

    It’s frustrating when young, to be ill and bankrupt. Illness can befall anyone with prior invitation. So you need to get your life together and focus on deductibleyour priorities. How you go about this, the choice is yours. I do feel that the best way is to plan ahead when all is still rosy. This will help you overcome lots of issues during the rainy days.  After fitbit blaze, go search for a good medical insurance plans before it’s late.

    Travel Medical insurance Plans for many scenarios

    If you have been planning a trip in advance, for a get together with your family or friends in a magnificent place, the least you expect is to deal with bad circumstances. The unexpected as you travel could happen at the very last minute. For example, a change in weather conditions or a sudden illness, what will you do? The worst case scenario, may be a wildfire forcing you to cancel the trip. Imagine that your awaited trip is around the corner.

    Opt for a healthy path with the best medical insurance plans

    If you want to fully enjoy life, the best you can do is to flow and venture into the most exciting adventures while being protected. Affordable medical insurance plans are now available. If you want to take advantage of cheap medical insurance plans, you should reach for the major medical insurance companies. That is right and the best part is, at an affordable cost, you can still get what you want!

    With the focus on cheap medical insurance plans, many considerations are to be taken into account. The final price is subject to the delivery of all the information required by the medical insurance company and the result of risk analysis conducted by subscribers. No need to worry because you will find low cost medical insurance plans for sure.

    Some extra medical insurance policy offer more coverage for baggage loss or liability, depending on the services offered (which can vary). Negotiation is possible. Remember it is absolutely necessary to select wisely. When hiring medical insurance plans, you need to provide enough information, so you can be accommodated with the best plan.

    Be ready to submit the below data:

    • Age of Contracting.
    • Insurance Application duly signed by the client.
    • Identity card or passport of the customer.

    So, what if you become seriously ill and need medical help. What if your current health insurance doesn’t cover it? Modifications in medical insurance plans can be done, but extreme financial losses can result. Begin your medical insurance plans search now!

    Types of Medical Insurance Plans in USA

    The health insurance market is quite promising with different types of medical insurance plans for people with diverse financial backgrounds! If you are ought to buy a plan from the marketplace, remember to rank them based on the level of care offered. Generally, bronze health care plans would pay 60% of the medical expenses. Silver plans will pay 70% of the actual cost, Gold plans are designed to take care of 80% the cost and the platinum ones offer 90% coverage. Though there are plenty of medical insurance service providers, you will be allowed to choose only from four different medical insurance plans. This covers over Health Maintenance Organization (HMOs), Preferred Provider Organization (PPOs), Point of Service (POS) and High Deductible Health Plans (HDHP).

    Types of Medical Insurance Plans: Plan #1 – Health Maintenance Organization

    HMO offers healthcare assistance through hospitals, clinics and organizations that fall within a network. Individuals with HMOs will have the least freedom in picking their healthcare service provider. However, they will have a predictable out-of-pocket expenditure. This gives HMO an upper hand in the different types of medical insurance plans. Also, HMOs have nominal amount of paperwork. In just few short hours, you can obtain a Health Maintenance Organization Policy. Through HMO, your medical stature will be managed by primary care doctors, who will refer you to other specialists if required.

    Types of Medical Insurance Plans: Plan #2 – Point of Service

    Point of Service and HMO are quite similar. Nevertheless, POS will let you handpick the right kind of medical insurance plans. They are much more flexible than HMOs! On the other hand, you must be prepared, to engage in a predestined amount of paperwork. Just like HMOs, even POS starts with primary doctors and shifts onto specialists only if it is required. Generally, POS enjoys lower premiums, when compared against PPO plans. This is because you start with a primary care doctor. Meanwhile, co-insurance payments can be as high as 30%!

    Types of Medical Insurance Plans: Plan #3 – High Deductible Health Plan

    Next in the list of different types of medical insurance plans in USA would be the “High Deductible Health Plan” (HDHP). As suggested by its name, you will be expected to pay a more amount of money during medical situations. That is because HDHP has high out-of-pocket charges. Once you reach the maximum out-of-pocket expenditure, the healthcare plan will take complete control. That is why you must define your maximum limit carefully! Deductibles can range anywhere between 1500+ USD to 6500 USD. Along with a HDHP, you can opt for POS, HMO or PPO plans too!

    Types of Medical Insurance Plans: Plan #4 – Preferred Provider Organization

    The list of types of medical insurance plans in USA closes with Preferred Provider Organization (PPO). This plan offers moderate amounts of freedom, certainly more than HMO but lesser than POS. Unlike the other healthcare plans, you are not expected to visit a primary healthcare doctor before seeing a specialist. Nevertheless, PPO suffers high out of pocket charges and has oodles of paperwork. When you see out-of-network doctors, PPO will force you to pay a bigger price!

  • Senate approves bill repealing Cadillac tax on expensive health plans

    Senate approves bill repealing Cadillac tax on expensive health plans

    For too long, Democrats did everything to prevent Congress from passing the type of legislation necessary to help these Americans who are hurting,” McConnell said on the floor. “Today, that ends.”

    The Senate on Thursday passed legislation repealing the core pillars of Obamacare (cadillac tax), taking a major step toward sending such a bill to the president’s desk for the first time.

    Republicans hailed it as a political messaging victory and a fulfillment of their promise from the 2014 midterm election to force President Obama to veto the landmark healthcare reform law named after him.

    The measure passed 52-47 after the Senate voted to significantly strengthen the bill originally passed by the House and brought straight to the floor by Majority Leader Mitch McConnell (R-Ky.). More on best coffee grinder

    The House will need to approve the amended legislation before it can be sent to the White House.

    Thursday’s vote was a major event in the Senate, as Democrats never allowed a stand-alone vote on an ObamaCare repeal bill when they controlled the chamber.

    Democrats were also unable to block the GOP measure, which was brought to the floor under budget reconciliation rules that prevented a filibuster.

    “For too long, Democrats did everything to prevent Congress from passing the type of legislation necessary to help these Americans who are hurting,” McConnell said on the floor. “Today, that ends.”

    The measure guts the law by repealing authority for the federal government to run healthcare exchanges, and scrapping subsidies to help people afford plans bought through those exchanges. It zeros out the penalties on individuals who do not buy insurance and employers who do not offer health insurance.

    Sen. Bernie Sanders (I-Vt.), who is running for the Democratic presidential nomination, missed the final vote.

    The vote caps weeks of intense and at times acrimonious debate within the Senate GOP conference over how far the repeal should go.

    Conservative Sens. Ted Cruz (R-Texas) and Marco Rubio (R-Fla.), who are running for president, and Sen. Mike Lee (R-Utah) threatened to oppose a House-passed repeal bill for not going far enough.

    Three moderates, Sens. Susan Collins (R-Maine), Mark Kirk (R-Ill.) and Lisa Murkowski (R-Alaska), balked at it for including language defunding Planned Parenthood.

    GOP leaders briefly floated the possibility of dropping the Planned Parenthood language but dropped the idea knowing it could spark a conservative backlash.

    Instead, McConnell leaned on Cruz, Rubio and Lee to vote yes and sweetened the prospect by crafting an amendment that dramatically beefed up the Senate package. All three voted yes.

    “This bill is a substantial improvement over the original House bill, and I’m grateful to Senate conservatives and Senate leadership for joining me in making it so,” Cruz said in a statement after the vote.

    It repeals the expansion of Medicaid adopted by 30 states as well as many of the law’s tax increases, which the House bill left in place.

    It cuts funding for the Prevention and Public Health Fund and eliminates risk adjustment programs from insurance companies that lose money because of the law.

    The House bill eliminates the individual and employer mandates, the “Cadillac tax” on expensive insurance plans and the medical device tax.

    The question of how to handle Medicaid was a thorny one for McConnell because it pitted conservatives, who demanded a repeal, against Republican colleagues from states that expanded the safety-net program.

    “I am very concerned about the 160,000 people who had Medicaid expansion in my state. I have difficulty with that being included,” Sen. Shelley Moore Capito, a Republican from West Virginia, told The Hill earlier this month.

    Vulnerable GOP incumbents face reelection next year in several states that have expanded Medicaid: Illinois, New Hampshire, Ohio and Pennsylvania.

    McConnell eased their concerns by phasing in the repeal over two years to give the federal government and states time to come up with a replacement program.

    The Senate bill also repeals the over-the-counter medicine tax, the prescription drug tax, an annual fee on health insurers and the tax on indoor tanning services. It reduces the threshold of healthcare costs that can be deducted from 10 percent to 7.5 percent of adjusted gross income.

    Cruz and Rubio signaled to GOP leaders earlier in the week that they would vote for the package but Cruz held out, keeping his colleagues guessing.

    The GOP leadership braced itself for the possibility that Cruz might attempt to force the Senate to vote on a one-sentence provision repealing the entire bill, which the Senate Parliamentarian Elizabeth MacDonough had ruled out of order.

    Cruz could have attempted to overturn the ruling of the presiding chair, who almost always follows the advice of the parliamentarian, with a simple-majority vote. But he decided not to, a pragmatic move since he colleagues were unlikely to back him.

    Collins and Kirk voted against the repeal package after an amendment they offered earlier in the day to strike the language defunding Planned Parenthood failed by a vote of 48-52.

    Murkowski, another sponsor of the amendment to protect Planned Parenthood funding, voted yes for the broader bill after declining to take a public position before the floor debate.

    The Senate voted throughout the afternoon on a variety of amendments, many of them intended to send a political message.

    Democrats sought to score political points by offering an amendment sponsored by Sen. Dianne Feinstein (D-Calif.) to bar suspected terrorists from buying guns. It failed by a vote of 45-54.

    The Democratic Senatorial Campaign Committee blasted vulnerable Republicans who opposed it.

    “It’s reprehensible that with everything going on in the world, these senators won’t stand up to the special interests and pass a commonsense measure like closing the terrorist gun loophole,” said Lauren Passalacqua, a spokeswoman for the committee.

    An amendment sponsored by Sen. Rand Paul (R-Ky.), another presidential candidate, to loosen restrictions on concealed weapons permits fell six votes short of the 60 it needed as a nongermane proposal.

    Senators passed by a vote of 90-10 an amendment sponsored by Sen. Dean Heller (R-Nev.) to repeal the “Cadillac tax” on expensive health plans. The provision was included in the House bill but had to be sunset to pass parliamentary muster in the upper chamber. Heller’s amendment removed the time-limiting language.

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  • insurance deductible

    Health Insurance Deductible Rises 6 times faster than Wage

    Health Insurance Deductible Rises 6 times faster than Wage

    Health insurance deductible have outpaced the average worker’s wage, six times more since 2010. A new study by a medical policy research group – Kaiser F. Foundation, shows that deductibles paid by workers have risen for individual health insurance plan, from $900 in 2010 to $1300 in 2015. The employee health insurance deductible, from small business rises a year to about $1,800, or even $2000 on the average.

    It’s a very powerful trend, said Drew Altman, Kaiser’s chief executive. Advocates for consumer protection, worry that as the country’s largest health insurance provider merge together, the costs becomes higher for consumers.

    These employee insurance plans are examined by Kaiser Survey, while on Tuesday, a Senate hearing scrutinized the mergers.

    According to Mr. Altman, low premium policies sold through state exchanges under affordable health care, rely on higher health insurance deductible. So many employees have traditionally, within the law, increased their health insurance deductible, to reduce associated cost.

    Employees can now shoulder more medical cost, as the law may be encouraging more changes by employees. The new tax law, called Cadillac tax for high-price medical plans, is making employers consider increasing health insurance deductible for employees. The law faces opposition and could go into effect in 2018: coffee maker with grinder

    The high health insurance deductible, raises questions about the motives behind the law, as employees with chronic and expensive conditions may find it difficult to pay medical bills.

    In general, individual and family medical insurance are increasing modestly. Kaiser noted an increase of 4 percent on the average this year, well below its cost decade ago. But as employers are relieved from the burden, the middle class are feeling the brunt of stagnated wages and a steady rise of health insurance deductible.

    People are now subjected to difficult choices under affordable medical plans. For example, a 52yr old teacher, Berth Landrum saw her family’s plan, health insurance deductible rise to $3,300 a year. Mrs. Landrum, whose insurance coverage came from her husband’s employer, has delayed having an M.R.I. scan because of the potential cost. They (family) are much concerned about the potential debt they might owe, if something eventually happens. With their current health insurance plan, they now pay more towards health care cost.

    It’s really scary, Ms. Landrum said.

    Employers feels that the employees’ stake in requesting for a test or choosing a doctor, justifies the higher health insurance deductible.

    The employers “are putting more decision-making authority in the employees’ hands,” said Robert Reiff – Head of an insurance brokerage firm. Many insurance companies are mostly offering high deductible health plan with a savings account. To help pay medical bills, employees or employer can fund those accounts.

    Online tools like cost calculator and a direct access to a doctor/nurse (through a computer or telephone), are now been provided to employees, by health insurance companies, to help make better decisions and possible costs.

    Most consumers feel they are healthy and might unlikely accrue hefty medical bills. They are a bit skeptical about paying a higher health insurance deductible; just like Matt Freedman – 34, who choose deductible of $6,000, only to have a hospital stay after developing a serious infection after a minor surgery.  “I knew it was a risky plan,” he said.

    The state marketplaces are also not free from higher health insurance deductible.

    Now I don’t even want to go to the doctor, says 27 old Rebecca Bullard.

    After cracking a rib, she got worried about the potential cost of visiting a doctor, though she had a health insurance plan with $2,500 health insurance deductible.

    Employers and policy makers are also getting concerned, about people with serious health issues forgoing medical care.

    It may be tamping down on unnecessary care, but we’re seeing a lot of evidence of skimping on necessary care, said Sara R. Collins, the health care coverage vice president.

    Survey conducted by a non-profit group, shows that the 45% of private health insurance with five percent health insurance deductible, have decided, when sick to avoid the doctor or go for a test. A recent report by Truven Health Analytics, shows companies experiencing lower utilization, when health insurance deductible are high. Screenings for cervical cancer and mammograms are getting fewer, even though worker’s preventive care is covered by a high deductible health plan. As a result, David Lansky from the Pacific Business Group on Health, reports that most of the companies he works with are now reluctant in raising health insurance deductible higher.

  • deductible

    High Deductible Health Plan (HDHP)

    Health Insurance Deductible

    A high deductible health plan is a low premium insurance plan that comes with higher deductibles. They are designed to take care of more serious, calamitous or catastrophic ailments, while offering less coverage for consistent checkups involving prescription medication.

    The high deductible health plan can exceed $6,000 within a calendar year, and once completed the medical insurance plan will begin. During this period, the high deductible health plan has additional co-payments, unlike other medical insurance plans. It comes into play once the deductible is met.

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    A flexible or health saving account (HSA) is usually connected to a high deductible health plan, in several cases. A specific sum is deposited into your flexible account every payday, while a tax deferral solitary yearly contribution, to a health saving account is made.

    High Deductible health Plan with a Flexible Spending Account

    major medical insuranceA high deductible health plan using flexible spending account, comes with restriction. You either use all the cash in the flex account within the calendar year, or you lose them. Strict measures do apply to how you utilize the cash, so there will be no room for an end of the year spending spree, just to consume all of it. A tight budget is ideal to avoid depositing more money, than you can actually spend within the calendar year.

    High Deductible Health plan with a Health Savings Account (HSA)

    Using a high deductible health plan with a HSA, any cash commitment made is removable on the basis of tax deferral. Also, certain expenses like for medical are not taxed, while interest accrued in the process, is subject to tax deferral. The balance (unused money) might be rolled over and utilized for future health expenses. The healthier you are, the better the choice of a high deductible health plan with HSA. It can result in a maximum balance.  Your medical insurance policy will be greatly reduced, if more money is left in the HSA. This can be re-used in future. Numerous retirees utilize the cash for bill payments, as well as paying for medical insurance policies amid times of unemployment.

    High Deductible Health Plan: Who is it for?

    Buying a health plan involves a substantial investment. Money is needed for paying medical expenses. So anyone with difficult financial standings, may find it hard should an on-foreseeing medical condition occur. Clients or individuals who need regular medical appointments, is not an excellent fit for high deductible health plan. In the event that medication is required regularly, the monthly cost should be considered prior to investing in a high deductible health plan.

    Choosing the right medical insurance plans will help you overcome troublesome times. A high deductible health plan is the ideal choice for many clients. It’s HSA, offers excellent investment opportunity, although it was particularly created for individuals with calamitous medical condition.

  • Review On MEDEX International Travel Medical Insurance

    Review On MEDEX International Travel Medical Insurance

    MEDEX International travel medical insurance offers assistance with effective travel medical plans for individuals up to 85 years of age. The medical scheme comes with both short term and major medical insurance plans. Each of these plans are fine tuned to help ardent travelers with critical requirements. The enticing MEDEX coverage is designed with emergency reunion features and special covers for minor kids too. An interesting facet that differentiates MEDEX from the rest would be its unique facilities and comprehensive customer support. They assistance spans from hospital payments to pre-trip details to multi-lingual translation support to transfer of funds across the world. MEDEX International travel medical insurance offers few optional facilities too. The coverage includes hazardous sports plans, AD&D Limits, interruptions, lost luggage advantages and unexpected trip cancellation support.

    In the Long Run!

    If you are an ardent customer of MEDEX, you will have the ability to enhance your medical plan at any time. However, you should handpick the right plan to enjoy such benefits. For example, very few plans offer the flexibility to enhance their AD&D limits. Also, some MEDEX International travel medical schemes will let your claim lost baggage and optional trip cancellation facilities. One might consider these services as optional. Nevertheless, these plans will help you in the long run.

    If you wish to get a MEDEX International travel medical insurance quote, you must navigate through the service provider’s main website. The website will give you a comprehensive insight through all possible MEDEX plans in the market. Consequently, you can compare and contrast as many plans as possible before making a final decision.

    The Very Many Options

    Two major MEDEX International travel medical insurance plans would be TravMed Abroad and TravMedChoice. By default, TravMed Abroad offers coverage for people up to 85 years of age. It is a short term travel medical option with evacuation coverage too. If you are affected by health conditions and injuries during a trip, the medical plan will help you. TravMed Abroad is helpful across different nations. And, the service provides annual coverage too.

    Another interesting MEDEX International travel medical insurance plan would be TravMed Choice. This is a special coverage for people who are travelling outside their country. The plan lets customers handpick their medical benefit and deductible. It is ideal for global travelers who want sickness and accident insurance. There are many optional services offered by TravMed Choice. This includes package benefits like interruption, trip cancellation and lost luggage.

    The Verdict on MEDEX International Travel Medical Insurance

    On the whole, MEDEX is a wonderful International travel medical service provider. It has an experience that spans across three long decades. The service provider is loaded with many enticing features for those who are ought to travel across the world. Also, the plan has facilities for travelers who are ought to reach 85 years of age (this is a rare facility in the industry). However, you should be aware of your needs and wants. This is when you can make the most out of the MEDEX International travel medical insurance scheme.

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    How to Use an International Travel Medical Insurance Policy

    For a lot of people, holidays are all about spending time with their loved ones and feeling relaxed. However, the process of planning for a successful trip is easy said than done. Regardless of where, how and when you travel, it is quite important to have MEDEX International travel medical insurance policy. An ideal policy will make sure you are taken care at all times.

    If you are a novice International traveler, here are few important things you must keep in mind.

    Tip #1 – Be Quick

    In accordance with the old adage, “The sooner the better” – you must plan ahead of time. Take off few hours from your busy schedule and start planning. Look for the towns’ best International travel medical insurance. Remember that there are many service providers with exquisite features. You must compare and contrast as many as possible to bag the best deal.

    Tip #2 – Know the Details

    When you opt for an International travel medical insurance policy, make sure the details are shared and stored properly. Always carry a copy of the papers with you, leave a copy with your dear ones back home and at the hotel room. Additionally, you must provide details of emergency contact too.

    Tip #3 – Be Prepared

    Medical insurance service providers are known for a comprehensive range of assistance. Before you go on an international tour, make sure you are aware of the nation’s health risks. There are several nations with identified health problems. If you are ought to visit these countries, you must be physically and mentally prepared.

    Never make assumptions with your travel medical insurance scheme. If you are confused or worried about something, read through the policy’s terms and conditions. For example, it would be wiser to inquire if the policy covers luggage and accidents like slipping on ice. After all, it is always wise to be safe than sorry.

    Tip #4 – The Right Policy

    At all times, try to buy your medical insurance plan as early as possible. Never wait for last minute offers and deals. Also, take time and read through the policy’s cancellation formalities. Insurance companies have a unique way of reimbursing costs and covering medical conditions. To be safe, you must choose the right policy with the right features.

    Tip #5 – The Additional Features

    A lot of ardent travelers tend to extend their period of stay in the travel destination. This is when your travel medical insurance scheme should be modified too. Check if the policy lets you buffer and extend the cover. Do you know that some travel medical insurance schemes offer comprehensive coverage to gears? There are plenty of credit cards and policy providers with special coverage facilities. These covers will ensure the product is replaced or funded when lost or stolen.

    The Verdict

    Regardless of the policy you pick, make sure you know what you are getting. If you have doubts about the coverage, ask for help from professional healthcare service providers. They will give you a comprehensive insight on what should be done before, during and after the trip for a successful cover.

  • health insurance agency

    Reasons to Avoid Certain Healthcare Insurance Agencies

    DIY Healthcare Insurance

    Are you looking for healthcare insurance quote? We can help. Read up our tips to find out how to find cheap insurance quotes online. We will help you to make the right choice and get the medical insurance plan that will best fit your needs. Choosing the best health insurance does not have to be hard.

    When involved in a healthcare insurance, be sure to get as many quotes as possible on your own. This will ensure that you can stand your ground versus an insurance adjuster as well as ensure you are getting a fair quote. If there is a debate, be sure to calmly confront your adjuster and assume that they are not trying to cheat you.

    If you can afford to do so, it is cheaper to pay your healthcare insurance premiums all at once rather than by making monthly payments. Most medical insurance companies will charge interest and other fees in addition to your monthly payments, or may offer a discount for paying in a single lump sum.

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    Healthcare insurance is like any profession: it uses a lot of specialized words (indemnification, liability, etc.) So if you don’t understand something about a policy you’re about to buy, STOP. Ask the health insurance professional you’re talking with to back up and explain in simpler understandable terms. Let them continue or do it again and again, if you still don’t it. Nothing is far worse than buying a health insurance policy with little coverage or costs too much, because you weren’t comfortable in asking the right questions beforehand.

    If you have filed a claim for whatever it is, the job of the insurance company is to try minimize that claim, while it’s your job to get back what you lost. If you are fortunate to work in a trustworthy and principled company, you should understand that you and the company are effectively at cross purposes and that you need to be an advocate for recovering your own loss.

    The wise consumer will take their own loyalty into account when comparing health insurance companies. An insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. It is quite likely that a healthcare insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.

    Healthcare insurance, car insurance, renter’s insurance, pet insurance, travel insurance, you name it.

    All of those things are necessary and they insure one’s peace of mind. It is easy to think that paying a minimal monthly amount is ridiculous, but when something catastrophic happens, insurance saves the day. Medical insurance will reimburse one for or pay medical bills.

    Purchasing healthcare insurance is necessary and it should factor into everyone’s budget. One hundred dollars every month is far easier to handle than one hundred thousand because something unexpected happened.

    With a little knowledge and research you will be better able to find the healthcare insurance you need. Now that you are better equipped to find the healthcare insurance that will best fit your needs you won’t be caught in the trap of making mistakes that many make as they are looking to get a new healthcare insurance policy.

  • health insurance policy

    Useful Tips for Choosing a Health Insurance Policy

    Useful Tips for Choosing a Health Insurance Policy

    Purchasing reliable health insurance policy is always a great way to have help on the way, when you need it the most, because you never know when you are going to get diagnosed with a disease. You can go through any kind of medical issues and through the financial stress associated with it, if you have the right kind of medical insurance plans. Read these tips to learn more about health insurance policy.

    When considering a health insurance policy from your employer, take a good look at your current health insurance plan and consider items that you might be able to change. You may be currently paying for more coverage than needed, or certain items that may now be obsolete. Take time to consider each option on the health insurance policy, what it means to you, and how much it is worth to have included in your health plan. Providing your family with total coverage including dental insurance, not only helps to promote the health of their teeth and gums, but their bodies, as well. Research has linked periodontal disease with strokes and heart disease

    Statistically speaking, many diseases like inflamed gums and ulcers, if left untreated can result to serious complications. Early detection andFree Health Insurance Schemes treatment by a dentists, is crucial in preventing further spread down the body, which could ultimately affect the digestive system and other organs. A greater number of Americans lack proper dental care because they do not have dental insurance, so try to stay healthy by buying a proper health insurance policy.

    Health Insurance Policy: Exercise

    Healthy habits like Exercise, play an important role in lowering a health insurance policy. Cash bonuses are given out by corporations, mostly to employees to fill out a questionnaire about one’s lifestyle; such as exercise and smoking. A favorable score on this questionnaire, can greatly reduce the company employee’s health insurance policy.

    So it’s essential, you verify all possible perks provided by your employer in your insurance policy. If you are not careful enough, plenty discounts can pass by without you knowing it. Discounts from exercise equipment, recreation centers, gyms, from non-smoking or even just answering a questionnaire on healthy habits, are usually given out.

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    Take full advantage of opportunities offered by your health insurance company and your employer. They are very rewarding and cash incentives from your employer, are sometimes included to per take in a particular exercise or insurance company giving lower premiums to quit smoking. Offers like this are rare, but helpful

    Health Insurance Policy: Nutrition

    Nutrition often provides an opportunity for you to lower health insurance policy, just by per-taking in special nutrition programs. To be eligible, you need to consult your health insurance agent. Also losing weight can attract added incentives to your health insurance coverage.

    The above health insurance tips, should guide you in your choice of medical insurance plans. Your budget and personal need, should come to mind when searching for the best health insurance plans. 

    The choice of health insurance policy is based on necessity and not a luxury. So go search for an affordable medical insurance plans now!

  • Free Health Insurance Schemes

    Free Health Insurance Schemes: A Comprehensive Review

    Free Health Insurance Schemes: A Comprehensive Review

    Free health insurance will help you meet up with high medical bills and protect you from expensive physician appointments. No one intends to fall ill or meet up with an accident; however, no one can stay away from visiting medical facilities or health care industries in the long run! This is when free health insurance policies become useful. Generally, this insurance scheme will make sure you pay little for health care units that are classed as a part of its in-network hospitals. Some free health insurance plans offer preventive care like check-ups, vaccines and screenings. Even before the deductibles are applied, you will receive preventive care. Above all, the health insurance scheme will take care of your dear one’s medical coverage too.

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    Free Health Insurance: Understand Your Needs & Wants

    It is quite interesting to note that there are many free health insurance policies in the market. From cheap to expensive, simple to complex, high endobamacare to individual, there are plenty of policies with fine-tuned requirements. With this being said, you must handpick a policy that best suit your needs and wants! Always remember that there is a thin line between the actual needs & wants.

    Free Health Insurance: A Practical Scenario

    Try to imagine this situation: “You are a young 25 year old college graduate, who is living with your parents and siblings. Currently, your parents have a free health insurance policy. Will this policy help you till you find a job?”

    Free Health Insurance: Commonly Asked Questions!

    To begin with, you should come in touch with your parent’s health insurance service provider. Verify if the company offers coverage for dependents too. If yes, you must inquire how long the coverage would be provided. In most cases, free health insurance schemes are offered till the dependents turn 26. Also, you will be eligible for the insurance scheme till you live with your parents and are unmarried. Meanwhile, if the service provider does not offer coverage for dependents, you must wait for a different plan or enroll in a separate health insurance policy.

    Basic Requirements to Enroll in Free Health Insurance Policies

    To enroll in free health insurance policies, you must satisfy certain requirements. Here is a quick review through these constraints:

    1) You should be a legal resident or citizen of USA. Several terms and conditions should be satisfied by immigrants. One should read through the state’s local statements to know if they are eligible for the free health insurance. For instance, US citizens who are outside the country for more than 300 days are not expected to avail the free health insurance coverage. Thus, you are not expected to pay any annual fees that is expected from other non-insured citizens.

    2) You must have a stable source of income. Generally, if you are single, you should earn at least 11,000 USD. If you have a family of three, you must make 23,000 USD every year.

    3) You should be more than 18 years of age.

    4) You should be prepared to by an effective coverage health insurance policy from a reliable Marketplace like Exchange.

    5) You should be at least living in United States.

    6) You must not be incarcerated. This is a fundamental requirement of the free health insurance policy.

    Different Types of Free Health Insurance Schemes

    There are different types of health insurance policies for people who earn lessor than 16,000 USD. When compared against many health schemes in the market, Medicaid offers affordable health schemes for potential buyers. If you get hold of a free health insurance scheme, you can free yourself from tax credits. In case your employer offers a scheme that costs 10% more than your annual income or if it does not cover 50% of the possible medical expense, you should opt for better health insurance schemes that can delight you with enticing tax benefits. As mentioned previously, remember that there are many free health insurance schemes in the market for potential buyers.

    Filling Health Insurance Applications

    Meanwhile, the process of filling health insurance forms is easy said than done. The applications are based on many important details like the family size and your income. If you don’t fill in the right information, you may not qualify for the free health insurance policy. In case you are unable to visit the service provider, opt for online assistance. These professionals will state if you are eligible for the health benefit or not!

    About Medicaid Health Policies

    As mentioned previously, Medicaid is one of the finest health insurance policies you can obtain. It offers coverage to people with very little income. In most cases, pregnant women, little children and families are covered. Over the years, Medicaid has witnessed many changes. Experts state that the policy’s rules change once in every three years. Hence, people who did not qualify for the free health insurance scheme several years ago, may qualify now! Above all, the policy does not have a limit on how many times it can applied for.

    About Children Health Insurance Program (CHIP)

    Another interesting free health insurance scheme would be CHIP alias Children’s Health Insurance Program. It is a low/free coverage for little ones from families that do not qualify for Medicaid. In some states, even pregnant women are allowed to avail the benefits of this free health insurance scheme. Conversely, CHIP is one of those most wanted health insurance benefits in the market.

    If you qualify for anyone of these free health insurance policies (Medicaid or CHIP), you can apply for its actual benefits at any time of the year. Nevertheless, you must make sure you are eligible for the free insurance scheme.

    Free Health Insurance: The Ultimate Bottom Line

    Though the facilities offered by free health insurance policies differ from one to another, there are few basic offerings. As mentioned previously, the policies will give free preventive services, at least three free visits to the hospital and plenty of deductibles. Nevertheless, you must read through the policy’s terms and conditions before opting for any free health insurance coverage.

  • medical insurance plans 2018

    Best Medical Insurance Plans for 2018

    Best Medical Insurance Plans 

    Compare USA companies with the best medical insurance plans for 2015. Everybody is keen on reliable healthcare insurance coverage. Over the years, medical bills have become expensive and complicated. This has increased the need for legit healthcare support. If you are searching for reliable health coverage schemes, here is a quick walk through best medical insurance plans for 2015 in USA.

    #1 – Express Scripts

    The list of best medical insurance plans begins with “Express Scripts”. The American based company is extremely famous for its drug utilization program, management services, drug data analysis services and exquisite benefit-design consultation help. It is an ideal plan for government agencies, self insured employers and individuals from the military.

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    #2 – United Healthcare

    United Healthcare is well known for its best medical insurance plans. It is an operating unit of the UnitedHealth Group. In fact, United Healthcare is obamacare 101the largest healthcare carrier in the nation. It has more than 7+ million people in its directory. Apart from fine-tuned health insurance schemes for individuals, United Healthcare supports Medicaid programs and state-sponsored initiatives too.

    #3 – Blue Cross Blue Shield

    The collection of best medical insurance plans will remain incomplete without “Blue Cross Blue Shield”. It is a federation that combines 37 healthcare companies (separate) and organizations in United States. Conversely, they offer health insurance coverage to more than 100+ million people. BCBSA serves as one of the prime administrators of Medicaid in many regions of United States. In terms of numbers (enrolled number of insurance policy holders), Blue Cross Blue Shield Association is the biggest in the nation (or even in the world).

    #4 – Aetna

    Another prominent player in offering best medical insurance plans would be Aetna. Some of its best medical insurance plans are out-of-the-box and truly useful. Aetna has being in the industry for a very long time! Being one of the largest healthcare insurance providers in the market, Aetna covers a wide range of health issues. From dental to group life disability to drug services to employee benefits to long term care insurance, Aetna has a plan for everyone in the family. Hence, it is one of the finest health insurance companies to work with! In fact, Aetna delights employers with special benefit programs and insurance facilities through Medicare.

    #5 – Molina Medicaid Solutions

    Molina Medicaid Solutions is also one of the best medical insurance plans & service providers. The organization adheres to wholly-owned subsidiary. Apart from best medical insurance plans, Molina is well-known for it’s IS design, operation expertise and technological advancement. It is fine-tuned to meet up with the high standards and expectations laid by the Medicaid Information Technology
     Architecture (MITA). Molina uses a special Health PAS system to help insurance policy holders on the go! Health PAS is a web based solution that uses a local MMIS unit to find patient data, plan benefit and authorize services. Additionally, the PAS System has a comprehensive online portal that provides essential details in just few clicks of a button.

    #6 – Cigna

    Cigna is ranked amongst the very few companies with best medical insurance plans that can support you when expenses that are not covered by your major healthcare policy arise. For instance, some medical insurance schemes don’t handle accidents or unexpected diseases. In such situations, Cigna’s Supplemental insurance will lend you a hand of help. The insurance service providers will support you with direct cash, when the need arises. This cash can be used for daily expenses and out-of-the-pocket medical bills. Supplemental insurance from Cigna is certainly one of the best medical insurance plans you can avail, since it pays during both recovery and treatment!

    #7 – Humana

    Next in the line of best medical insurance plans comes from “Humana”. The insurance policy is meant for families and individuals. The service provider focuses on a discreet motto. It revolves around health and gives people a choice to live well! Humana offers a wide range of best medical insurance plans. This covers vision plans, medical assistance, dental schemes and life insurance policies. Humana stresses on the need for personalized support and affordable insurance help. For instance, individuals who combine vision plans and dental schemes will save at least 35 USD. Humana has many Veteran Packages that are meant for families and US Veterans. As a result, you will have the wit to pull together a healthier you and stronger tomorrow!

    #8 – Kaiser Permanente

    Moving on, Kaiser Permanente has some of the best medical insurance plans in the market. The service provider makes life easier by offering better coverage and care. They are not deemed as typical healthcare providers with best medical insurance plans. Instead, they thrive hard to support everyone with health needs! To be more precise, Kaiser Permanente has paired with local communities like fitness establishments and farmers’ markets to promote health. Kaiser Permanente is a healthcare company that focuses on preventive wellness and overall care. They provide many wellness programs, routine appointments and preventive screenings that can remove sicknesses from your life!

    #9 – Celtic Healthcare

    Celtic Healthcare too has some of the best medical insurance plans you can find. They are passionate and innovative leaders in healthcare. They have many schemes to promote quality and enhanced healthcare for the lives for both families and corporate organizations. Celtic’s best medical insurance plans provide support during three different stages namely, medical treatment, recovery and aging. Their best medical insurance plans have the following features:

    • Round the clock nursing services.
    • Endless amount of care, physical support, spiritual assessment and emotional upliftment.
    • Celtic offers a special Palliative care program. It has exquisite inpatient hospice facilities too!

    #10 – Altius

    Last in the list of best medical insurance plans comes from Altius. They offer different types of products like prescription coverage, network coverage and special services. As suggested by its name, prescription coverage deals with dependable health care that handles medical prescriptions. It will help you by drugs at an affordable price! And, in terms of network coverage, Altius has more than 5000+ participating hospitals.