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Insuring Your Health For a Short Period of Time

If you have recently graduated from college or moved to live alone or with your partner, you have to clearly understand that your parents’ insurance coverage does not include you anymore. Leaving your current job in search for a better deal also leaves you without coverage. So does being on the new one for a shorter period of time, because some companies will require you to be employed for at least three months to be eligible for group insurance plans. Regardless of what is the situation you are in currently, having no health coverage during the transition period is quite risky and will cost you quite a lot in medical bills if something bad happens. In such a case, you need short-term health coverage, and as you can guess from the name, such a policy implies coverage for a period between one to six months. In some cases, short-term medical coverage can be provided for a period of twelve months. If your insurance needs take more than the specified period of time, you are always free to renew the policy, but don’t expect to find something extended for more than a year in this category of plans. With the majority of short-term plans you will be covered in situations such as accidents and illnesses. As you may guess, having a short-term plan will deliver certain limits in what concerns the benefits, and you will be required to pay a larger deductible and co-payments as well.

On the other hand, you will be free to choose the medical facility and the specialist from where to get assistance with the policy. It will include services like inpatient and outpatient care, hospital room, laboratory exams and X-rays. Physical exams are rarely included in such plans and you are covered right from the moment of your first premium payment. The application process with such insurance plans are usually a lot easier and convenient if compared to long-term health insurance plans. In order to not be too costly, short-term plans usually drop out some benefits you will usually get with typical long-term plans such as treatment of pre-existing conditions, regular medical examinations, optical and dental care, as well as pregnancy and childbirth assistance. Short-term health coverage plans are free from usual portability demands of the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The insurance companies providing such plans aren’t legally required to guarantee that the policies will be renewed, and most carriers won’t do so. They aren’t also required to waive pre-existing medical condition restrictions with the persons who can opt for such waivers.

In any case, even with their limitations, short-term health insurance plans are one of the best options when there’s a gap in regular coverage. The other option being the lack of insurance altogether, and we all know how dangerous and financially devastating that might be when something unpleasant happens. The choice is yours of course, so be wise when making it.

About Author
Find Grace Oaks’s other contributions at http://www.health-insurance-mate.com/insuring-your-health.html where he gladly shares his opinion on many different subjects and helps people around the globe find a better understanding of the things they’re interested in.

Is it Time For Insurance And Employers to Start Partnering With Experienced Facilitator?

As companies seek to reduce their operating budgets, one of the places they can often find ways to cut costs is by reducing their employee healthcare spending. Unfortunately, reducing or cutting healthcare benefits packages can cause significant reductions in employee morale. How can companies reduce their healthcare spending while at the same time ensuring that their employees do not feel like their benefits package has decreased in value? Some employers and insurance companies are looking to the example set by private “medical tourists” for inspiration.

For years, “medical tourism” has been a term which brings to mind affordable plastic surgery and weight loss surgery abroad, more often than not resulting in negative consequences due to poor medical tourism aftercare. But these outdated stereotypes of the field are now giving way to a much more positive reputation, as companies and individuals find that they can actually put technologies like video conferencing and VoIP to use, benefiting both individuals who receive top-notch care, and the companies who are footing the bill for their treatments.

This is exciting news, because it’s at this stage that the real benefit of using medical tourism facilitators to find health professionals in foreign countries becomes evident. The best medical tourism companies are accessing this under-developed market by helping assemble interdisciplinary teams of medical professionals in far-flung locations where costs are more controlled. Patients and employers who once balked at the idea of receiving their medical treatment far from home feel more at ease once they have had extended conversations with their treatment teams, thus allowing insurance companies and employers to realize greater bottom-line savings.

What’s more, because any top 10 medical tourism company already has the connections and experience that will allow them to single out the best providers of health care at the lowest rates possible, an individual employer or insurance company does not have to invest time and money into building a healthcare network abroad. Instead, they can take advantage of the knowledge medical tourism companies have already gained.

As a result, employees and their dependents can obtain access to either higher-quality care at equal cost to their employers, or equivalent-quality care at lower costs. Companies that have previously only offered medical coverage may find that they are able to add low cost dental procedures and dental surgery abroad, thereby increasing the value of their employees’ compensation packages and actually improving morale!

Ultimately, medical tourism is a reality of today’s global healthcare world, and both employers and insurance companies can utilize the skills of the best medical tourism facilitators to provide excellent care at the lowest prices for their employees. In short, the time has indeed come for insurance companies and employers to start partnering with experienced medical tourism facilitators.

About Author
The author has international expertise in the healthcare industry, telehealth and business administration. His diverse set of skills will deliver exceptional healthcare support services while maintaining a strong balance sheet.

Three “Time Free” Strategies for Maximizing Health and Fitness

Three “Time Free” Strategies for Maximizing Health and Fitness
Everyone is always trying to “get fit” but for many working adults there aren’t enough hours in the day. Four evenings in the gym can take away as many as eight hours out of an already busy schedule. While the hours in the gym may be rewarding, the hours stuck in traffic on the way to the gym are just wasted time. However, going to the gym isn’t the only way to improve your health and get fit. Here are three simple “time-free” things that all adults can do to improve their fitness and stay in shape.
Maximize the time doing “chores” – Chores are a tedious time consuming activity, but are still essential to having a clean, nice home. So why not maximize the time you spend doing chores and get fit at the same time? When looking to maximize your chore-time; think outside the box. For example, use an old-fashioned traditional broom with a heavy wooden handle instead of a lightweight plastic broom. Sweeping a kitchen floor with an added three pounds can increase the calorie burn and help tone muscles.
Walk and Climb – It’s becoming a cliché to ‘take the stairs’ or ‘walk more’; but that doesn’t make it false. People often waste time driving to the gym in order to walk on a machine for thirty minutes when they can do the same activity at home or at work. With a pedometer you can easily track your additional steps. The Harvard Alumni study of walking showed that walking 6,000 steps in a day can help maintain health and fitness and 10,000 can significantly help lose weight. The good news is that it is easy to begin to maximize your steps while doing everyday activities. For example, rather than spend two or three minutes driving around looking for that “perfect parking spot”; park in the back and enjoy the extra exercise. Often you’ll actually save time by parking in the back of the lot and walking the extra distance instead of driving around looking for that “perfect spot.”
Multivitamin and Nutrition – The truth is, no matter how much you exercise, you cannot stay healthy and be fit while depriving your body of needed nutrients. Fortunately it can be easy to get needed nutrition (for you AND your children) by making a few simple changes. You can adjust the nutritional intake in your diet by simply substituting pastas and breads made with whole grains rather than the old white flour. You can buy juices and snack drinks made with real fruit juice rather than ‘juice cocktail.’ And you can readily and easily take a multivitamin to help cover your daily needs. Multivitamins are like a safety net for any balanced diet. They provide blanket coverage of your daily nutritional needs, independent of the particular meals for that day. And because it almost impossible to get “too much” of a vitamin, multivitamins are safe to take daily.

About Author
For more info on daily multivitamins, visit MyTopForm.com

How To Save Time When Seeking Out Affordable Health Insurance Quotes

Are you looking for affordable health insurance quotes? If not, you should be. Right now you could be overpaying for your Texas insurance. The only way to determine if your rates are higher than average, is to compare your current rates with other companies. If you have yet to obtain health insurance, then you will need to start by seeking out multiple rates from multiple companies in order to determine which company offers the best coverage at a rate that you can easily afford.

The problem is that most people will go about this process in the wrong manner. The majority of people seeking out Texas insurance will comprise a list of the most popular health care providers and then will contact each company individually. There are numerous problems to this process. First and foremost, when you contact these companies by phone or via the Internet, you will be required to complete a lengthy interview and application before you are given a rate. This process can take anywhere from thirty minutes to an hour for each company that you are considering. This is a huge waste of your time!

You should also be aware that these companies will most likely tell you that the rates which they have quoted you are only good for that very moment. That means that they will attempt to lock you into a contract with them immediately. They may also tell you that if you try to contact them later to obtain the same rate that you may not be able to obtain that rate because it is a “special” that is only guaranteed at that moment. Therefore, this process of contacting these health care providers individually is a complete waste of your time and effort when it comes to obtaining Texas insurance.

When you seek out Texas insurance you need to shop around for affordable health insurance quotes. You need to compare and contrast affordable health insurance quotes from multiple companies in order to find the best plan for yourself or family. The best way to do this is to turn to a company that deals with a variety of health care providers. These types of companies will allow you to fill out a single health care application that generally takes less than fifteen minutes to complete. This application is then sent to a variety of Texas insurance providers all at once.

After submitting this application you will receive multiple affordable health insurance quotes. You can then choose the affordable health insurance quotes that work the best for you. The best part of this process is that you will be saving yourself a great deal of time and effort when it comes to the health care selection process. This is by and far the most simplistic and best way to obtain these types of quotes with very little effort.

Don’t waste your time contacting health insurance providers on your own! Don’t waste your time filling out dozens of applications when you can simply complete one. Let the insurance companies fight for your attention by using a service that works with multiple providers.

About Author
Affordable health insurance quotes can be acquired through My Insurance Expert. If you are seeking out Texas insurance then you should check out their unique and affordable services.

Why Your Body Thanks You Every Time You Eat Organic Nutrition Bars

Certified organic nutrition Bars is made with whole, cold processed, fruits and nuts. The folks at Pure Bar have taken all the best that Mother Nature provides, molded it into a rich, chewy nutrition bar, and made it available to you across the country in fine retailers such as Trader Joe’s, Whole Foods, Mother’s, Ralph’s, Henry’s and others. To find the store nearest you, click on the links below.

Many people wonder how they created such a moist chewy nutrition bar with all the right “ingredients” for fast, efficient processing in your body. The PureBar organic ingredients retain their high antioxidant content because they do not subject the ingredients to heat. Eating organic, minimally processed foods like the Pure Nutrition Bar is important to looking and feeling your best and maintaining a strong and healthy body.

Here’s why:

When contemplating the health and beauty of our bodies, we need to remember one very important fact: Our bodies are constantly renewing and rebuilding dead and damaged cells. We are in a constant state of remodeling, so to speak. Our bodies have only one source from which to gather all the supplies of building and renewing the cells of our organs and brain, as well as our skin, hair, teeth and nails – this one source of raw materials is the food we eat. It’s why stores that provide raw, organic food and nutrition bars such as Trader Joe’s and Whole Foods Markets, are quickly gaining in popularity these days.

It is so important to be aware of this connection because what we choose to eat will ultimately effect how healthy we feel and look – our “glow” so to speak. This means choosing whole, organic, minimally or unprocessed foods that pack the most nutritional punch per bite. These are the foods that provide the highest quality raw materials with which to build and rebuild our bodies from the inside out.

Certified Organic ingredients in every Pure Bar:

All of the ingredients in this nutrition bar are certified organic. This means they are free of pesticides and herbicides that are toxic to our bodies and can build up and cause damage to our cells. When cells are damaged it opens the door for disease and premature aging.

High in antioxidants:

The dates, tart cherries, wild blueberries, cranberries, raisins, apples, and raw nuts in the PureBar are loaded with antioxidants that protect your cells from damaging toxins in the environment and internally. They protect us from disease and keep our immune system strong. Having healthy cells internally and externally helps us look and feel our best.

High in Omega 3 fats:

Each Pure nutrition bar has more than 400mg of Omega 3 fats. These fats are important in keeping our hearts healthy by removing bad cholesterol. And, they are important in brain function as our brains use these essential fats to grow, develop and maintain healthy connections. These beneficial fats also give our skin, hair and nails a healthy glow.

High in fiber:

Each Pure bar provides 4-5 grams of organic fiber, which is important in keeping our digestive system healthy and active. This also keeps our immune system strong.

6-7 grams Organic Vegan Protein:

Pure Bars provide protein through a gentle Brown Rice Protein, which is easy to digest. And because it’s vegan (from a plant), it is a healthier source of protein.

No refined sugars:

We all get too much sugar in our diets. Refined sugar is like poison to our cells – it speeds up cellular damage, feeds disease and raises our glycemic levels. Eating a product such as a Pure healthy nutrition bar with no refined sugar is simply better for our bodies and overall well being.

When we eat organic, minimally processed foods like the PureBar, our bodies thank us.

* We have more energy.

* Our skin and nails have a healthier glow.

* We are able to maintain optimal weight.

* We have a stronger immune system.

* We can feel and see the results of giving our bodies the highest quality building blocks with which to build and renew our cells.

The Pure Bar, sold in fine markets such as Trader Joe’s and Whole Foods, comes in a bright white (read: clean ingredients!) wrapper. You’ll either find it in the “snack bar/energy bar” aisle or in the “raw foods” aisle.

Look for the six scrumptious flavors and contact them to tell them what your favorite flavor is. Join the Pure Circle today to receive recipes, healthy snack ideas for kids, and more information on how your purchase of just 3 Pure bars will result in a tree being planted in your honor!

About Author
Nutrition Bars are healthy, organic snacks for your whole family. Available at Trader Joe’s and Whole Foods Stores, and other fine retailers. Eat Well, Live Well

Your Diet Personality And Making Changes One Step At A Time

Your diet personality is probably a lot like your overall personality with respect to how easily you make commitments and motivate yourself to approach difficult tasks. If you answer yes to any of the following questions, you may be standing in your own way of getting to a healthier weight:

-Do you think someone else is responsible for the way you eat?
-Do you believe other people lose and maintain weight easier than you?
‘Do you look for quick-fix solutions?
-Do you live a life of deprivation, eating foods you don’t like and avoiding those foods you do in an attempt to lose or maintain weight?
-Does the prospect of following a diet and losing weight overwhelm you?
-Do you try to lose weight on your own, without ever seeking help?
-Do you give up easily?
-Do you feel like a failure when you fall off the food wagon and eat too much?

The best fitness plan is one that you fine-tune to fit your personality and lifestyle. After you answer the preceding questions, ask yourself the following questions so you can tailor a plan to suit your diet personality.

-Are you a joiner, or do you like to go it alone?
-Are you a grazer who nibbles all day long, or do you normally sit down to three full meals and a formal snack or two?
-Do you want someone to tell you what and when to eat in a prescribed plan, or would you rather have a flexible diet that allows you to make on the spot food decisions?

Consider these questions before you make any decisions about the diet you choose to try. Whatever diet it is make sure that you choose a diet that doesn’t restrict what you are allowed to eat. A solid, healthy, nutritious diet focuses on a variety of foods with a limit on the amount of calories that you consume in a given period of time.

When you’re clear about which aspects of your life actually need to be changed, you can begin taking real steps to enact those changes.

The best place to start is with a commitment to yourself. Promise yourself that you’re never going to give up on yourself. Acknowledge now that cutting back on the amount of food you’re used to eating won’t be easy. At the same time, keep telling yourself you can do it. Be your own cheerleader. Promise yourself that you won’t kick yourself when you fall of f the food wagon. Successful dieters don’t scold themselves or give up. They give themselves a pep talk and jump right back on.

Make small changes, one at a time, at your own pace, and allow yourself to get used to one change before moving on the next. For example, your first change may be to switch from regular salad dressings to low calorie dressings. Or, you may decide to steam vegetables instead of stir frying them to save calories from added fat. If both of those changes appeal to you, make one change today and the other tomorrow.

When a person takes real-life steps to make permanent lifestyle changes, scientists call it behavior modification. The following examples of eating behavior modification techniques can help you start your low-cal lifestyle:

-Eat before you go shopping. When you’re hungry, you’re more likely to make impulse purchases of foods you don’t really want to eat.
-Make a shopping list when you go to the grocery store and stick to the list when you get there. Don’t allow yourself to buy “indulgence” foods like snacks and junk food that aren’t on the list.
-Don’t buy “indulgence” foods or any calorie-laden foods. These foods can contribute to overeating when you’re first starting a new diet.
-Keep healthier foods on hand and ready to eat in your refrigerator and cupboards. Doing so gives you options other than junk food when you’re looking for an easy snack or a quick meal.
-Prepare strict single portions so you aren’t tempted to overeat (and consume more calories) if you’re cooking for yourself only, and not following a recipe.
-Use smaller plates. Low-calorie meals tend to look lost on larger plates and may make you feel deprived.
-Always sit down when you eat, even if you’re just having a quick snack, so that you pay attention to how much you eat. You can easily forget about the calories you consume when you eat on the run.
-Leave the table when you’re finished eating what’s on your plate. Doing so reduces the temptation to go back for more food.
-Don’t skip meals. If you do, you may overeat at your next meal or snack too much in between.

About Author
W.P. Allen has been writing articles online for nearly 4 years now. Not only does this author specialize in diet, fitness and weight loss, you can also check out his latest websites on Breakfast Bar Stools and Bean Bag Chairs For Kids.

It’s Your Money! It’s Your Time!

With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…



It’s Your Money! It’s Your Time!

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It’s Your Money! It’s Your Time!

Published by: Elinor Ayalon | Word Count: 267 | Comments: 0 | Article Views: 447


With clearly understandable reasons, many people are afraid of buying glasses online. Some young people are afraid of how they would look in the new frames, and a lot of adults are still not used for any shopping online, especially when it comes to the health and eye care.

But it seems that with time, statistics are changing, and slowly more and more people learn to trust the right sites and dare to buy more products online. The reviews of costumers are more satisfied as they learn to believe in this system, which offer them better deals than any other store in the mall.

I think you can watch a great example on the following “News spot” which try to investigate this change.

http://www.thepittsburghchannel.com/video/21429934/index.html

I chose linking to this video since I believe that the best recommends comes from friends, family, or anyone who is a privet person and has no corporation incentives, and just comment from a privet experience. I believe it’s true to any product you thinking of buying, and it’s a new growing system of costumer safety that enabled thanks to the new open media.

In this specific case the TV show was just randomly choosing a subject of matter, and a person with eyeglasses to interview, and the companies mentioned had no idea that the article was even made. So it’s pretty objective and reliable, as I like my reviews to be.

Have any comments and tips on the matter? Please comment, and maybe help other feel different about shopping for eyeglasses online. So confused that her head with blow up from itself…


Link It’s Your Money! It’s Your Time! to Your Website
http://www.sooperarticles.com/shopping-articles/s-your-money-s-your-time-21136.html

It’s Your Money! It’s Your Time! Article Keywords
Eyeglasses, Online Shopping, Eyebuydirect.com, Prescription Glasses, Health, Beauty, Fashion Glasses

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Elinor Ayalon has published 1 article. This article published on Nov 03rd 2009 07:17:14 PM

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