Unlike buying for a life insurance, where life insurance premiums are set and remained fixed for the term of the policy, a health insurance plan does not function as the same. Private health insurance plan usually are only valid for a period of one year, thus, premiums are reviewed and renewed annually. It means that private health insurance cost is not fixed and may increase its premium as it is renewed per year. The rising premiums are mainly caused by the increasing costs of medical care, treatments and other services. Because of this, most people should make wiser decision in choosing the coverage for their private insurance. They limit it to those areas they think and feel necessary to keep the cost low.
So how much will I need to pay for covered services? You may ask. Most policies now impose an annual deductible, which is an initial amount the insured must pay themselves before any payment will be made by the insurance company. The deductibles, however, does not always apply to all covered services, for example: preventive care. Other insurers have a separate policy for deductibles for a certain covered services, such as medical care and drug prescriptions.
Additionally, after meeting your deductibles, your insurance will generally require you to pay for portion of covered healthcare services. It may also apply co-payments or co-insurance. Co-payments are like a flat dollar fees (such as $15, $20 or $25 in every visit) and co-insurance are payments that are made based on the percentage of covered health charges (10%, 15% or 20%).
Your private health insurance costis also determined whether you choose a plan that either uses or seeks in-network or outside network health care provider from your insurer.
A private health insurance is undeniably a complex and confusing heath care business. One may not fully understand unless they engaged in the business themselves. If you’re an individual seeking private health, balancing your health care needs to include in your coverage benefits against the cost that you need to pay is truly difficult. With the different levels of covers ranging widely from heart insurance to cancer health insurance coverage for big health concerns and comprehensive medical insurance for all and outpatient care; deciding will be really tough.
Let me give you advice in looking for the best deal of insurance cost. Try trawling around the internet. Search on websites that offers insurance quotes from state to state. Compare each level of health insurance cover and cost between different health care insurance providers. This may take up a lot of your time, but you will most likely encounter one that is suited for you.
A healthcare systems is a group or organization of people, institutions, and or resources bounded together to deliver health care to a group of people or target group population to meet their medical and health needs. A wide variety of health care systems are available over the globe. It can be private healthcare systems or public systems. Each has different organizational structures, histories and planning. Thus, vary from country to country.
But according to the World Health Organization (WHO), a functional health care (regarding which country) aims to provide good health care services, responsiveness to the population in a fair, and appropriate financial costs. Every health care system should meet their goal. If not, they may continue serving. Continuity is very important in health care system, which is why they are also evaluated based on their progress.
A health care provider should not be confused with health care systems. A health care provider can be an individual or an institution providing health care services in systematic way. It can be a preventive, curative or rehabilitative way of health care. An individual health care provider can be a medical or health care professional, community health worker, or any person knowledgeable in the field of health care. On the other hand, an institutional health care provider is a hospital, clinic, or health care centers. They are like a place for health workers to practice and perform health care services. The health care provider and institutions if formed together makes up the overall health care system.
For health care systems to function, they need funds for financial capacity in providing health care. And there methods in funding the system can be summarize as below:
General income taxation in the state
Social health insurance
Donations of charities
Benefits of private healthcare systems are offered in a variety of way. Probably because private pays beyond a public system would pay for. Say for example, you are having a medical condition where you needed treatment and after which you need to rest in the hospital for a couple of days. Instead of staying on a general ward, you’ll moat likely to receive a private room and other private facilities suitable for your medical need. Another thing, if you’re condition is an emergency; you’ll definitely be sent away immediately and will be prescribed with the appropriate course of treatment.
Health plan is the tended term used by managed care organization or systems providing health care coverages such as Health Maintenance organization, Preferred Provider Organization, and Point of Service Plan. This type of health plans are also referred to as a subscription-based medical care arrangement similar to prepaid dental, prepaid legal and prepaid vision plans to name a few. Managed care is the term used in the United States for organizations which provides reduced cost of health benefits and care and improved quality care using variety of techniques and mechanism. Sample techniques include increased beneficiary cost sharing and selective contracting with health care providers.
Mainly there are eight known manage care organization/system providing health plans: Health Maintenance Organization, Preferred Provider Organization Health Plans, Exclusive Provider Organization, Point of Service plans, Indemnity plans, Network Health Plan, High Risk Insurance Pools, and Catastrophic Health Plans.
Two of the popular manage care and how they work is listed and stated below:
Health Maintenance Organization Health Plans - HMO, if we compare to other manage care organization, their plans offers a wide range of health care services. After becoming a member, they will require the insurer to have his/her own primary care physician which will they care most of the healthcare needs otherwise a specialist is needed. If so, a referral from the assigned physician is still needed. As we have said, there are wide ranges and there are many variations to choose from. This plan maybe one of the offering lower premiums as before a coverage starts, the insurer may not be required to pay deductibles and co-payments will probably be minimal. The plan is also hassle free since it doesn’t generally need to submit insurance claims to the insurance company.
Preferred Provider Organization Health Plans – for an individual and the family market, this plan is by far the most popular type of plan. Unlike HMO, PPO allows insurer to visit any network physician or health care provider they wish without a referral from their PCP or primary care physician. However, members of the plan are encouraged to use their networks preferred doctors; hence, a PCP won’t be needed anymore. But keep in mind, that whoever healthcare provider are chosen, out-of-network services covers lower benefit level than in-network services. Again, unlike HMO, before the coverage of the insurance company starts, an annual deductible pay is most probably collected to the insurer. Co-payment is most likely to be required of about $10 – $30 for covering certain percentage of the medical bills.
The very first step to live a long and healthier life is no doubt cutting out vices, or even just lowering them. An unhealthy habit causes an unhealthy you. If the problem will not be addressed properly, it is not just the health that would suffer, but the entire life that you’ll be living. So what are those vices that should be lessen, or best avoided? Here are the top two of them:
Smoking kills: is just one of the health warning messages on tobacco packages. Cigarette smoking is a proven vice that greatly affects the human health. But ditching the habit behind would be really hard. To give motivation, did you know that after being smoke-free for about 20 minutes your body will start to feel changes in decrease in blood pressure and normal pulse rate.
Doing drugs is extremely dangerous to the entire human body. When drugs enter the body and are carried to reach on all parts of the body, it has many different effects. If it enters the bloodstream, the heart pumps blood containing the drugs and would reach the brain. Take this: when drug reaches the brain, it’ll control our way of thinking and affects the flow of information into our brain. If it directly reaches the heart, it will exacerbate heart disease. The liver would also be damage because of the chemical structure of drugs the liver tries to break down. Drugs enters to the body by sniffing or snorting, and then by mouth.
Live life to the fullest. Everyone should live by to that proverb. A life spent well means a life filled with joy, compassion and experience. One of life’s principles is to live life healthy so the feeling of well-being is realized. For a healthy well being, one should have a positive attitude towards life. And here we listed you ways to live life in healthy way:
Master the art of letting go. Leave all of your past grievances and don’t carry any emotional baggage in the future. Learn to move on from heartaches, sadness, disappointments and such so you can proceed to the future.
Never again put your life on hold, because it won’t really wait for you. Start uncovering events in your life where you’ve been avoiding or denying.
Learn from criticism but don’t let it get into your head. Criticisms are often meant to give you realization which – if taken well, might help you improve as a better person.
Be optimistic. Practice viewing things on its positive side. Believe that everything in life will eventually turn out fine.
Challenge your fears. All of us have fears, and the only way to overcoming it is to face it rather than avoiding. Recognize your fears, address it and overcome it.
Stop criticizing and judging others.
Continue learning. You’d be a fool if you think you know everything in life.
Love others as much as you love yourself. Be grateful for having them surrounded in your life.
Love yourself. Before you’ll be able to love others, you have to accept and love yourself. Treasure your life, accept your imperfections and love yourself just the way you are.
Lastly. Fall in love. There’s no best feeling in this world but to love and be loved in return.
The key factor in getting a private insurance is to know how it would protect you when you need it the most. To evaluate your insurance policy, ask yourself the following question and find the right answers as possible:
What are the services being covered?
The health insurance should basically include hospital and medical professional care. Lab tests, medical equipments, prescription drugs, and medical equipments. A service for mental health care should be included if necessary. It may also include rehabilitation following illnesses or injury such as a physical therapy.
From whom and where can I get the care I needed?
Most private health insurance has their networks of health-care providers, from doctors to hospitals, pharmacies and others. It always depend on the type of policy you’ll be able to purchase as to where will you received the health-care. Some encourages using their own network, while others allows you to choose freely on outside their providers network.
What are the costs or how much will I pay for the services to be covered?
Policies include annual fees and deductibles. And it always depends on the benefits covered in your insurance. Be sure to understand the cost so you won’t be having paying it.
Can I renew the policy?
In shopping for a health insurance, it is important to get coverage where it is deemed “guaranteed renewable.” It means that you have the right to continue you insurance as long as you keep paying your premiums.
After getting some answers for those questions, one very important thing you should also know is to distinguish non-health private insurance to a private insurance. There are many kinds of policies or coverage that’s been spreading and sold today. These products (if you have already encountered) may look like a health insurance but they are actually comprehensive policies. So you need to be careful because this product does not give you the best value for a policy.
Some of these are:
Dread disease policies
Accident only policies
Everyone needs private insurance. There should be no person exempted. For one of the most important thing in this world to maintain is our own health. Health insurance companies play an important role in helping to pay their policy holder’s health care. And because there are thousands of different insurance policies available in the United States and other country, it must be really confusing which one to purchase. That is why we give you the above helpful tips.
It takes 43 muscles to frown but only 17 muscles to smile. The mentioned aphorism has become part of our life to consider smiling than being sad. A sense of humor is an intellectual perspective and can be used for our everyday survival, which is the idea of the phrase. Humor comes first before a smile and smile is the beginning of a laugh. The sound of a laugh is so contagious that it affects one person to another. Smiling, humor, and laughing if applied together bind people together and increases happiness and intimacy.
Laughter is a great way to relieve stress and pain, ergo for a healthier mind and body. You want to stay emotionally healthy? Laugh like no one is watching you. The feeling of laughter is so good that despite your sadness and pain, repels it and gives you new light, strength and courage.
When you frown, think about and ask yourself these questions: was it really worth getting upset to? Is it really that important? Is being sad will solve your problem? Is the problem has no solution? If all the answers for the question is “no,” then what is worth having a frown in your face when you can smile? So smile to contribute to a healthier you. Remember, laughter is still the best medicine. For the best experience? Laugh together with the people you want to laugh with.
Treat yourself with this mouthwatering recipes to be served in your table every morning.
Apple Cinnamon Toast Bread Pudding
This is really a breakfast (toast) combined with dessert (bread pudding), but it’s scrumptious nonetheless. The fragrance of apples and cinnamon will permeate your kitchen when you bake this so it’s a totally fabulous thing to serve when you have people coming over for a brunch. Mouths will water until it’s done, then everyone will continue to tell you how good this is. Is there really anything more you can ask for in a recipe?
Did you know: Cinnamon is actually a bark from a tree and ridiculously high in antioxidants. Sprinkle it on cereal, on your morning latte or in hot chocolate for a boost. It’s used in savory cooking in some parts of the world as it lends a warm spiciness to dishes such as soups and stews.
2 cups whole milk
1 cup sugar
4 large eggs
3 tbsp unsalted butter, melted
1/4 tsp ground cinnamon
1/8 tsp salt
7 slices crustless white bread, toasted and cut into 3/4-inch cubes (about 3 1/2 cups)
1 large Granny Smith apple, peeled, cored, cut into 1/2-inch cubes
2/3 cup raisins
Additional ground cinnamon
Preheat oven to 350°F. Butter 11×7-inch glass baking dish. Whisk first 6 ingredients in large bowl to blend. Fold in bread, apple, and raisins. Pour batter into prepared dish. Bake pudding 30 minutes. Sprinkle with additional cinnamon. Bake pudding until top is golden and center is set, about 35 minutes longer.
This was a hard recipe for me to perfect, but now it’s one of my favorite healthy breakfasts. Traditional French toast is made by taking thick slabs of white bread and dipping them into a sweet egg mixture and frying. This is the same technique, only instead of eggs, I use flax seed, instead of milk, I use almond or soy milk (I prefer almond) and instead of starchy white bread, I use what is called sprouted grain bread. Available in the freezer section your grocery store, these are breads made with whole grains that are allowed to sprout.
Did you know: Sprouted grain breads are often referred to as flourless due to the way the grains are processed, leading many people to believe they are gluten free. This is not the case. They contain wheat and often added gluten for texture, so they are not suitable for a gluten free diet.
4 slices sprouted grain bread, such as Ezekiel brand, thawed
3 tbsp ground flax seed
3 tbsp warm water
1 tsp vanilla extract
1/2 tsp cinnamon
Pinch of nutmeg
1 tsp honey or maple syrup
1 cup almond or soy milk
Butter for frying
Whisk flax seed and water in a bowl. Add milk and seasonings and continue whisking until combined. Heat a nonstick pan or griddle, add butter. Dip each slice of bread in the flax mixture (don’t soak your bread though), fry on each side until golden brown. Serve with additional butter and syrup.