Reducing Your Out-Of-Pocket Healthcare Costs

The cost of health insurance in the United States is on the rise again. Insurance experts expect rates to go up more than 50% in 2018. The mandatory health insurance mandated by the former Obama administration helped some people.

People who were extremely poor could get help to pay for their insurance from the government. People with preexisting issues could not be turned away. In exchange for these improvements, most American families faced huge insurance premiums, out-of-pocket expenses, and less coverage.

Companies learned that having fewer than 50 full-time employees meant they did not have to pay any of their employees insurance costs. For small business owners, it became necessary to had fewer employees.

Impact on the American job market

There are certain jobs that are considered high-risk. For example, the trucking industry is considered to be among the highest group of people to insure. Long hours, bad road conditions, a sedentary lifestyle, and fatigue make it difficult to maintain your health.

Truckers began pulling away from the larger companies and buy their own trucks. This ensures that the driver has complete control over the policy and coverage he needs and the trucking industry can hire him to haul their loads without contributing to his medical insurance. An experienced logger (for example) can find logging trucks for sale and work for themselves.

Photo site: https://pixabay.com/en/yurty-siberia-truck-logging-logs-123841/

Senior Citizens

People over the age of 65-years old and those with a disability can take advantage of Medicare. Medicare is a federal government healthcare policy. It covers hospital stays (Part A) Doctors visits (Part B) Medicare Advantage (Part C) and prescriptions (Part D)


Part C Medicare can be purchased from private insurance companies often for the same price or a bit more than you pay for your standard Medicare insurance.

Photo site: https://pixabay.com/en/grandparents-grandmother-grandfather-2198053/

Tips for reducing your out-of-pocket expenses

- Visit your doctor
* Many people have policies with such a high co-pay that they are well into the late fall before their insurance pays anything. This causes them to skip proactive healthcare. It is less expensive to treat an illness if you catch it early. So go for your annual check-up.

- Maintain your health
* Once you have a physical from your doctor, you can determine what you need to reclaim or maintain your health. Make a healthcare plan of action.

- Review your policy
* Sit down with your agent and review your policy and the costs associated with it. Compare it to other plans. Select the one that has the doctors you want and the best coverage for your dollar.

- Get moving
* Remember our unhealthy trucking friend above. Long hours in a seat leads to a sluggish metabolism. Stay active. Exercise in a manner that you enjoy.

- Take care of business
*Your doctor’s office is a business. People forget that the doctor is there to serve you. You are his income. Make it your business to make sure all of your billing is accurate. Ask for adjustments if you find tests or treatments that are being billed to you, but you did not receive.

* Make sure you are using a doctor on your current medical plan. You will pay a lot more for an out-of-network doctor.

* If there is a procedure coming up that is not covered under your policy, ask for a discounted price. Often, a doctor would give you a special deal if you ask for it. However, most people do not.

- Prescription Drugs
* You are going to see many prescription drugs fall off of insurance plans this year. Click here for a list of medications that are being dropped. If you take one of these drugs, bring it up to your doctor so he can consider changing your treatment.

* Use generic drugs

By taking care of your health and your policies in advance, you will save a lot of money. You will be healthier and stress will be reduced in your life. Healthcare is a fact of life. But it doesn’t have to be the center of your world. Get control and keep it. You will be glad you did.


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Doe Deere Encourages Unicorns Everywhere

Doe Deere is the 3 Fs. She is Fun. She is Fabulous. She is Foxy. She has also been crowned the Queen of Unicorns.

Doe Deere, the Queen of Unicorns, is a lively role model for women everywhere. This unicorn is an example of booming business success that started as a small start up. Ms. Deere's colorful and warm beauty line started as a small ebay product and has grown into the notable Lime Crime it is today. Doe admits naming her company without being aware of how successful it would become. Doe attributes a portion of her Lime Crime ebay success to the deprivation of bold make up palettes in 2008; at the time there appeared to be only natural make up looks available for purchase. Doe also attributes a degree of her success to her background as a musician. While a musician she leaned about career, marketing, and events.

She selected the name, Lime Crime, after one of her favorite colors. The name is certainly indicative of the merchandise. Ms. Deere sells items that add pop and sparkle to the lives of her customers. She wants to create a product that will allow women to express themselves without worry over the judgement of other people and society. Some of her popular items are "diamond crushers" and "unicorn lipstick". Doe believes in donning a bold color palette. Thus, she often has quite a dynamic color choice for her hair.

Despite, eccentric hair color Doe Deere is quite the accomplished businesswoman. As CEO of Lime Crime Doe stays very busy during the work day. She acknowledges the need to run about her day guiding others and making sure everything is running smoothly. She has been in business for over 8 years; so, she is well prepared for the role.

Although it may not have been an official business Doe Deere has been business minded since the age of 13. At the time she lived in Russia and decided that selling tattoos would be a fun way to make money. Doe would make tattoos seem cool and sell them to classmates. At the time she was a budding entrepreneur working towards a promising business future.

Ms. Deere takes her role as businesswoman seriously, and she encourages others to follow their dreams. Queen Unicorn followed her dreams and has become CEO of her own company as a result of following her dreams and passion.

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Learn more:

http://guestofaguest.com/los-angeles/interview/interview-lime-crimes-doe-deere-on-how-to-make-your-dreams-come-true



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The Simple Things That Keep Your Family Healthy

When you hear someone talk about health you immediately think of special diets, long workouts at the gym, and lifestyles that the average person just can’t accommodate. The truth is there are plenty of simple everyday things that you can do to keep your family happy and healthy without going to the extreme.

Food
Eating healthy does not require re-learning how to cook or suffering through meals made up of tasteless items. Providing your family with healthy food options is as simple as switching out a few of your normal snacks. The next time you go shopping, reach for fruits instead of chips. Trade that burger night for grilled chicken, and most importantly, add vegetables to everything you make. Put lettuce and tomato on each sandwich, add green peppers to scrambled eggs, and order a vegie lovers’ pizza instead of pepperoni.

Exercise
If you know your family needs more exercise, you can solve two problems at once. Most families don’t feel like they spend enough time together. Take one night a week along with a few hours on the weekend to go outdoors and enjoy a game together like basketball or kick ball. Take the dog for a walk around the neighborhood or explore the trails at the local park. You’ll feel better at the end of the day in more than just one way.

Health Care
Life is busy, and it is easy to overlook routine health care. Most parents skip regular doctor visits like their six month check-up at the dentist or yearly eye exam. These same parents often have to fight their children to get them to go. Why not make it a family affair? You’ll be setting a good example, and it won’t feel as intimidating to the younger children. You can find dental care for all ages in offices like Park Slope Family Dentistry with Roland I. Teichman, D.D.S.

By making these few small changes in your daily life you can make huge changes in your family’s health. They don’t require a lot of time or money, and they are actually enjoyable. Best of all, you’ll be setting a healthy example to your children that they can follow for a lifetime.

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Most Important Health Facts And Tips You Should Know

Here you will find the latest health tips to help you lead a healthy life. These tips will even help you defeat diseases such as anxiety and depression. So stay tuned to healthy tips for the latest information.

Cooking destroys vitamins

We all cook our food. But did you know that cooking food destroys the vitamins in the food. Research shows that cooking food destroys important vitamins present in fruits and vegetables. Additionally, cooking generates carcinogens (substances that cause cancer) and mutagens in food.

Hence, cooking is not healthy at all. Try to eat your vegetables and fruits raw for best results. Avoid carcinogens and mutagens introduced into food because of cooking. Plus save yourself time from cooking (source: Is cooked food good for us?)! 

Carrot Juice

Carrot juice is known as the miracle drink. It contains loads of vitamins and minerals. Carrot juice contains loads of vitamin A. Vitamin A is necessary for good vision, healthy mucous membranes, and it promotes the growth of bones and teeth. Vitamin A also builds the body’s resistance against infections. Pregnant women and their babies also benefit from Vitamin A. So add a glass of fresh carrot juice to your daily diet (source: The Wonders of CARROT JUICE).

An apple a day

Apples offer many health benefits and the saying an apple a day keeps the doctor away has been justified. First, apples act as powerful antioxidants. Apples contain flavonoid and polyphenois both of which are powerful antioxidants. Hence, eating an apple will provide your body with antioxidants which will help the cells of the body to perform at optimal health.

Another astonishing fact is that if you eat a 100 gram apple your body will be provided with an antioxidant effect which is equal to taking 1,500mg of vitamin C. Apples definitely provide your body with powerful antioxidant properties.

However, apples do not only provide your body with antioxidant properties. They also contain malic acid and tartaric acid. Both these substances help prevent disturbances of the liver. 

Additionally, apple cider vinegar can help prevent kidney stone formation. Apples also contain pectin. More specifically the skin of apples contains pectin. Pectin helps remove toxic substances from the body and prevents protein matter in the intestine from spoiling.

Finally, research also shows that eating an apple a day can reduce cholesterol levels and protect against heart disease (source: Health Benefits of Apple). 

Do you suffer from urinary incontinence?

Do you suffer from urinary incontinence? If you do, then perhaps you should give kegel exercises a try. Performing kegel exercises can help strengthen the pelvic floor muscles and cure urinary incontinence.

To perform kegel exercises you must first find your PC or pubococcygeus muscle. You can find the muscle during urination. When you are urinating try to hold your urine. The muscle that you feel is contracting when you try to hold your urine is your pubococcygeus muscle. 

Now continue to contract your muscle in this manner for 2 seconds at a stretch. Continue to contract the muscle 20 times for 2 seconds each to strengthen the muscle. Doing so is known as kegeling. And the exercise is known as the kegel exercise. This exercise should help cure your urinary incontinence. Additionally, performing this exercise will help improve the health of your prostate gland (source: Urinary Incontinence: Causes, Treatments, and Symptoms).

Exercise helps in smoking cessation

A recent study shows that exercise combined with nicotine replacement therapy can help reduce cravings for smoking. Not only that, but exercise also helps in delayed weight gain and helps to improve physical fitness.

The study shows that 70% of women stopped smoking at the end of the 12 week program and 27% remained abstinent after one year. So if you are looking to kick the habit of smoking regular exercise and nicotine replacement therapy is the answer for you! (source: Sweating out the cravings)

Low Socioeconomic Status increases likelihood of disease in children

A recent study shows that low socioeconomic status increases the likelihood of diseases such as depression and anxiety in children. How does this happen? The study shows that low socioeconomic status raises levels of a hormone known as cortisol in children. Cortisol is also known as the stress hormone of the body.

Whenever the body experiences a stressful situation, it releases cortisol to deal with the stress. Low socioeconomic status has shown to increase the release of this hormone in children leading to dangerous disease such as depression, anxiety, and diabetes (source: Low Socioeconomic Status Affects Cortisol Levels in ChildrenOver Time). 

Health Benefits of Yogurt


 

Yogurt is a great dairy product. It has many health benefits. Firstly, yogurt provides your body with good bacteria. Second, yogurt comes from milk and so it also provides your body with animal protein. Yogurt furnishes your body with vitamins such as vitamin B-2, B-12, potassium, and magnesium.

Yogurt also contains calcium. Research shows that yogurt may help prevent osteoporosis. Research also shows that yogurt may reduce blood pressure. Women should especially eat yogurt. Research shows that yogurt reduces the risk of vaginal infections. Finally, eating yogurt may make you feel fuller and help in weight loss (source: The Benefits of Yogurt). 

Exercise 30 minutes a day only!

Research shows that walking just 30 minutes a day can prevent weight gain. As a matter of fact walking 30 minutes a day can cause moderate weight loss as well. Additionally, another research shows that walking thrice a day for 10 minutes was just as effective as walking 30 minutes a day.

Walking 30 minutes a day reduces the risk of heart disease. A small health change such as this could save you from heart disease in the future. (source: Stealth Health: Get Healthy Without Really Trying )

Computers can cause depression

A new research study shows that computers, TV, and the electronic media in general can cause depression in teenagers (source: Too much TV can cause depression).

The study shows that spending too much time prevents a person from participating in other activities such as sports and this leads to frustration and depression. Hence, if you have a teenage son or daughter, you better watch out as to if they are spending too much time on the computer and not getting enough physical activity. 

Health Befenits of Bananas

Bananas are good for your nervous system and for your heart. Bananas contain potassium which helps in muscular contraction. Bananas help reduce the risk of stroke. Add a banana or two to get your daily needed potassium intake and save yourself from the risk of stroke. 

Bananas also help to prevent osteoporosis. This health benefit of bananas is also related to their high potassium content. Bananas high potassium content prevents calcium loss from the body and thus helps prevents osteoporosis. 

Bananas also act as mild sedatives. Bananas contain tryptophan which is an amino acid not produced by the body. Tryptophan forces the body to release serotonin and serotonin exerts a sedative affect on the body.

Bananas are also good for your blood. They contain Vitamin B6. The vitamin plays an important role in hemoglobin synthesis. Hemoglobin is the oxygen carrying component of blood and a lack of it can lead to diseases such as anemia. (source: 25 Powerful Reasons to Eat Bananas)

Drink Plenty of Water

It is imperative that you drink plenty of water. Drinking plenty of water has a number of advantages. First, drinking plenty of water reduces the risk of cancer. Second, drinking plenty of water will help you lose pounds and control cholesterol levels. Drinking plenty of water will also keep your memory sharp and will help you maintain healthy muscles. (source: Is drinking plenty water really as important as we are ledto believe?).

So how much water should you drink every day? Six to eight glasses is a must. Start drinking six to eight glasses of water and boost your metabolism and help shed fat, control your cholesterol levels, sharpen your memory, reduce the risk of cancer, and maintain healthy muscles. Not only that but drinking six to eight glasses of water will also help promote healing and cleanse your body of toxins. (source: How to Drink More Water Every Day) What else could you ask for?

Add fruits to your diet

Most people do not eat fruits. This is a cardinal sin. A diet rich in fruits offers many benefits and one should not deprive oneself of these benefits. Fruits have a hydrating effect. They supply the body with plenty of water rich in minerals and sugar. Additional, research shows that fruits cause the body to eliminate nitrogenous wastes and chlorides.

Fruits also exert a laxative effect. They provide fiber which promotes intestinal peristalsis. This helps prevent constipation. People who eat plenty of fruits do not suffer from constipation. Finally, fruits provide the body with plenty of minerals which helps to maintain strong bones and good blood. (source: Health Benefits of Fruit)

Vegetables and more vegetables


Remember how mommy always reminded us to have our veggies. Well it is no surprise that vegetables are extremely good for our bodies. Vegetables provide our bodies with essential minerals, vitamins, and enzymes all of which help to maintain the proper functioning of our bodies.

Not only that, but vegetables also contain medicinal and therapeutic agents. Vegetables also help maintain a healthy nervous system and have sleep inducing agents which allows a person to enjoy sound sleep. Lettuce, for example, can be used to treat insomnia.

Vegetables also contain carotene. Carotene is a substance which is converted to Vitamin A in the body. Vitamin A helps maintain good vision and healthy skin. Deficiency of Vitamin A can lead to poor vision and night blindness.

Vegetables contain Vitamin C which prevents diseases such as scurvy. Hence, remind your self of mommy’s advice of adding vegetables to your diet and begin doing so. A diet rich in vegetables will protect your body against many diseases (source: Importance of Vegetables - Curative Value of Vegetables).

Avoid too much text messaging

Researchers at Temple University have found that spending to much time on the mobile phone text messaging could be linked to pain in the neck. The study found that the position of a person who text messages is similar to the position of a person who works on a computer. Both working long hours on the computer and text messaging have been linked with pain in the shoulders and neck. Hence, avoid too much computer work and too much text messaging. Tell your sweetheart that using the phone is a better alternative! (source: Neck Pain)

Meditate

Meditation can help a person conqueror pain. Investing a few hours meditating can help a person effectively manage pain (source: Meditation May Reduce Pain). The study shows that extensive mediation can reduce a person’s sensitivity to pain. Hence, spend some time meditating daily and conquer any pains and aches that you may have.

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