Being pregnant is one of the best things that can ever transpire. In any case, the reality of the situation is that it is likewise a standout amongst the most troublesome stages that one can ever experience in life. Expanded body weight, hormonal changes and temperament changes are a portion of the things that pregnant ladies need to endure. It deteriorates for first-time pregnancies since then somebody needs to endure stunning changes at no other time experienced in life. Notwithstanding, by the day’s end, pregnancies are sensitive and it is critical that appropriate therapeutic and mental watch over the purpose of both the child and the mother.
In today’s reality, you will undoubtedly be barraged with data on the best way to adapt to and get the best out of your pregnancies. The reality of the situation is that some of that data might be very much expected, yet then putting them to utilize may put both your life and your unborn kid’s life at extraordinary danger. Greenery enclosure of life has been a trusted name in sustenance and normal wellbeing for a considerable length of time; and in Garden of life pre-birth Canada has a line of items that can be depended on to defend pregnancies.
Items in this reach include: Oceans Mom which is advanced with key omega 3 as DHA which is valuable in the improvement of the mind. DHA is additionally imperative in the advancement of cardiovascular framework and reinforcing bones and it likewise proves to be useful in managing emotional episodes. In Garden of Life Prenatal Canada has the best wellspring of DHA as Garden of Life Prenatal DHA. It is detailed to enhance the wholesome nature of bosom milk after conveyance. Vitamin Code Raw Prenatal has folate, iron, calcium and other valuable foods to help the infant and mother’s safe framework.
All the Canadian Supplements from Garden of Life are regular and contain added substances like gluten and dairy items.
Discoloration of skin under the eye referred as dark circles is the main concern of every women. It is also known as dark rings or shadows. The main reason behind the formation of dark circles are aging, dry skin, heredity, working in front of computer for long, prolonged crying, stress, lack of sleep and unhealthy diet.
This is found in both men and women of different age groups. It is not a serious problem but they make you look unattractive, tired, unhealthy and older. But the good news is that you can easily get rid of unsightly shadows under your eyes by using few home remedies.
1. Use almond oil
To get rid of dark circle, massage under eyes with almond oil before going to bed. Massaging will let the oil penetrate under r your skin to help with circulation.
2. Use Cucumbers
Cucumber is the best way to minimize dark circle. Cut few slices of fresh cucumbers, place them in the refrigerator for an hour, and then place the cool pieces of cucumber over your closed eyelids it will surely help in reducing dark circles.
3. Use Rose Water
Dip a cotton ball in rose water and then apply it under your eyes for 10 minutes. The rose water will penetrate on your skin to soothe your tired eyes and soak all the toxins, which is causing dark circles.
4. Use Crushed mint leaves
Crushed Mint Leaves are also beneficial to get rid of dark circles. Apply crush mint leaves under your eyes for 20 minutes. The mint leaves will provide cool, tingling sensation as well as increase circulation.
5. Mix pineapple juice & turmeric powder
Mix pineapple juice and turmeric powder on your dark circles to remove them naturally.
6. Use cold tea compress
Cold tea compress increase circulation to your eyes. You just need to soak tea bags in cold water and squeeze the excess water from tea bags and place the bags on your eyes for 10 to 15 minutes to reduce dark circles.
Tea bags contain tannin that decreases swelling and discoloration under eye.
7. Drink More Water
Dark circles generally occurs when you don’t drink the amount of water needed, which does not let the toxins to leave the body and those toxins cause dark circle.
8. Get Some Sleep
Sleep is very important for both body and mind. Not getting enough sleep can lead to stress and can cause ugly dark circles which gives you depressed, aged person and ugly appearance.
Thus it’s recommended to have 8 hours of sleep each night.
9. Stop Rubbing Your Eyes
Never rub your eye because it can irritate the eyes and the capillaries found under the skin can break.
10. Reduce Salt
Eating excessive amount of salt can also make you body retain water in weirdest of place, which can lead to dark circles under eyes. So it is very important to minimize the use of salt to eliminate dark circles.
Follow the above given home remedies carefully to get rid of dark circles under your eyes.
Want to boot your stress to the curb? Wish you could have a sculpted physique? You can have it all with cardio kickboxing, the new exercise craze that offers stress-busting benefits and incredible physical results.
Even red-carpet lean machines have joined the millions of people around the world who swear by cardio kickboxing. Magic Johnson, Pamela Anderson, Shaqille O’Neal, and Carmen Electra are all hooked on cardio kickboxing. There are many forms of this type of intense workout, including the hugely popular Tae Bo exercise routines.
If you’ve ever watched a cardio kickboxing session, you may have been turned off by the level of intensity. You might think that it can only bring about pain, possible injury and a whole lot of sweat. That’s probably right. But, if you can endure the initial ache and exhaustion, you’ll soon be seeing those incredible body-chiseling results.
Cardio kickboxing combines the powerful benefits of aerobic exercise with boxing and martial arts movements. The dance-like grace and high energy of an aerobics class is blended with the thrill of martial arts and the tough-as-nails action of boxing. The result is a fun and beneficial form of exercise. Cardio kickboxing tones and strengthens the muscles, but that’s not all; it can also sharpen your reflexes while increasing balance, speed, flexibility and coordination.
Few exercise programs relieve stress quite like a cardio kickboxing session. On those days when you feel the weight of the world on your shoulders and you just can’t bear to face the pressures of your professional or family life, take a time out and kick your stress to the curb. Cardio kickboxing gives your body and mind a healthy break, and it’s a fun alternative to those boring, everyday workout routines.
This is hard work without question, but it is definitely hard work that pays off. Cardio kickboxing can burn as many as 1,000 calories per hour. If you’re constantly covering your bulging tummy, saggy arms or dimpled thighs, try burning through that fat with a cardio kickboxing workout.
There are countless benefits to a cardio kickboxing workout, but there are also some important downfalls to consider. The real and serious potential of injury is the most important negative to keep in mind. Be sure that you know how to complete the moves, and be careful to protect yourself from possible injury. To get the greatest benefits while avoiding the potential dangers of cardio kickboxing, take the time to discuss the exercise program with your doctor or health practitioner. This is essential if you suffer health problems or have undergone orthopedic surgery.
Once your doctor has given you the go-ahead, it’s time to find a qualified cardio kickboxing instructor. Be sure that your instructor has certification through a qualified fitness organization. When you and your instructor are ready to being, start exercising at least three times a week, or as advised by your exercise team.
Attitude is everything when taking on any new challenge. Be prepared to succeed, but don’t set yourself up for disappointment. You’re not going to walk out of your first class with a butt like Carmen Electra, or kicking butt like Jackie Chan. Success will take time and effort, but you will achieve it.
Cardio kickboxing is exercise, dedication, motivation, commitment, and seriously hard work. No other form of exercise or martial arts can give the same benefits that you will achieve through cardio kickboxing. Losing fat, shaping up, toning muscles, burning calories, regulating the heart, busting out of monotonous exercise routines and gaining the skills and confidence to defend yourself. That’s one serious package. It’s no wonder that so many people, including the world’s hottest celebrities and most powerful athletes, have made cardio kickboxing their exercise of choice.
Don’t shy away from the hard work. Embrace the power, focus on the results and try cardio kickboxing. It can feel great when you sweat by the bucket, because you’re seeing your body change and feeling your muscles grow. Try it. Stretch and jump. Box a little harder and kick a little higher. Cardio kickboxing gives you the confidence, health and energy you need to bring out your hidden dynamo.
There have been nourishment sensitivity and many individuals are experiencing it. This is entirely tragic to experience the ill effects of such sensitivity issue, yet there is nothing one can do to shield himself from it early. Really the sensitivity issue can’t be foreseen and therefore this is impractical to make any safety oriented strides. Yeast sensitivity may sound exceptionally peculiar to you, yet the truth of the matter is there is a possibility of agony from it at any age. Some individuals are lucky to the point that they can exceed it at some phase of life. Be that as it may, this
Whenever you think of Mental health counselling, you usually would go blank at one point of time thinking that if it happens to you, what you would do. Firstly, you would go crazy thinking the consequences of mental health of you or your near and dear ones getting detiorated over something. But with the Science advancing and its super effects on your fellow beings, you need not worry about these. There are specialists like Robin Leigh Maier who have been specializing in Cognitive Behavior Therapy and will take the best care of your dear ones mental health.
Robin Leigh Maier has been a Licensed Social Worker and an expert dealing in Mental Health Counselling. She has been dealing with the mental health hazards for the past 25 years and therefore understands your problem even before you start explaining it to her. She deals in the domain of mental health of new born babies, postpartum depression, ADD and ADHD in both children and adults.
She understands that life is unpredictable and even before you realize the same your ability to think normally can go out of the way. But she assures, with her empathetic Cognitive Behavior Therapy , she is able to analyse her patients lives and provide deep counselling to them so that she knows the roots of the problems.
She claims that her practice has no side effects and is especially designed for people who are suffering from ADD and ADHD, anxiety, depression, and low self-esteem. This anxiety might occur from breaking up with your partner or losing your job which was very close to you. She has been into treatments like psychoanalytic therapy, cognitive behavioral therapy, anddialectical behavioral therapy which has benefittted the patients to a large extent and made them live their lives like normal people once again.
Robin is also a trained coach for life skills. She also founded the Mothering Center. She has been well acquainted with the problems of the women and therefore is well known for her counselling services in miscarriages, care of the babies, pregnancy and postpartum depression. If you are unaware, the postpartum depression is a term used for women who have their lost child and she has also ben handling such sensive services through her counseling services. To reach out to a wider audience, she is also a regular blogger through she is able to make her readers aware and motivate them in times of utter sorrow.
Abstain from scouring your skin brutally with a wool, peeling glove, or loofah (a coarse-textured wipe). Tenderly wash it with your spotless hands or a delicate fabric. Continuously wash well, and after that dry your face with a spotless towel. (Toss the towel in the clothing wicker container, as messy towels spread microorganisms.)
2.Moisturize your skin . Numerous topical skin break out items contain fixings that dry the skin, so dependably utilize a lotion that minimizes dryness and skin peeling. A gel-based lotion normally functions admirably for sleek skin. On the off chance that you have dry skin, attempt a saturating cream or moisturizer. Blend skin may require two items (cream or moisturizer for the dry area; a gel for the slick part). Continuously hydrate your skin with water before you saturate it.
3. Attempt an over-the-counter skin break out item. Topical (those connected to the skin) skin inflammation items may contain fixings, for example, benzoyl peroxide, an antibacterial operators with a drying impact, or salicylic corrosive, a specialists that peels skin. Begin with a little sum at first. At that point build or diminishing the sum and how regularly you apply it, contingent upon the amount of peeling or drying you have. Utilize these balms with alert in the event that you have delicate skin. Benzoyl peroxide can bring about redness and scaling of the skin. It can likewise blanch your garments, towel and hair.
4. Use cosmetics sparingly. Amid an erupt, attempt to abstain from wearing establishment, powder, or blusher. On the off chance that you do wear cosmetics, wash it off by the day’s end. On the off chance that conceivable, select sans oil beauty care products without included colors and chemicals. Water-based makeup are accessible. Perused the fixings list on the item mark before purchasing.
5. Be cautious about what you put on your hair. Abstain from utilizing aromas, oils and cruel chemicals on your hair. These fixings can dribble on the face, hindering the skin pores and chafing the skin. Adhere to a tender cleanser and conditioner. Sleek hair can include to the oil your face, so wash hair frequently, particularly amid an episode of spots. In the event that your hair is long, keep it pulled off your face.
6. Keep your hands off your face. Abstain from touching your face or propping your cheek or button staring you in the face. Not just would you be able to spread microscopic organisms, you can likewise disturb the officially excited facial skin. Never pick or crush spots with your fingers, as it can bring about disease and scarring.
Your bowel movements are excellent indicators of your overall health. Since food provides the fuel for energy production, it follows that a fully functional gastrointestinal tract is crucial. Your stomach, bowel and liver need to be in tiptop working order in order to do their job, which is extracting, processing and absorbing nutrients from your meals.
Food as it is consumed is not in a state to provide energy to the body. First it must be broken down into particles small enough to cross the plasma membrane of your cells. Enzymes manufactured in the small intestine, combined with pancreatic enzymes and bile from the liver, aid in digesting proteins, carbohydrates and fats. The mix is absorbed through the intestinal wall and transported to the liver, where it is further metabolized and made available as an energy source.
The large intestine
The large intestine, which processes the residue from this procedure, is host to good intestinal flora such as acidophilus which help to move everything along to the rectum, stimulating defecation.
The importance of regular bowel movements
A complete and satisfying morning bowel movement is essential for optimum energy levels. A sluggish bowel creates a sluggish body, while optimal colon function prevents toxic buildup and ensures energy and vitality.
The DIGESTIVE SYSTEM uses 60-80% of the bodys energy
Consider this: 60-80% of the bodys energy is used on digestion. The remaining systems in your body, immune, respiratory, reproductive, cardiovascular, nervous, and muscular systems share only 20-40% of your total energy. So guess what happens when one or more of these systems are challenged? Your body robs energy from the digestive system.
This is why a digestive challenge is often the first clue that there may be a problem in another system.
Indigestion, heartburn, acid reflux, gas, food cravings, bloating and other digestive problems can indicate that the culprit is somewhere else entirely.
When the body steals energy from the digestive system, it cant balance the stomach acid or produce enough enzymes for a smooth operation. Many people are unaware of this connection between the digestive system and the systems of the body.
Shape and size
As we mentioned earlier, your bowel movements are excellent indicators of your overall health.. If you have small, marble-sized movements, for example, that could mean you are dehydrated. Bowel movements need sufficient water, oil and. Sufficient water and roughage produce soft but formed bowel movements, about the size and shape of small bananas. Oil (olive oil is ideal because it helps the body in other ways, too) aids with frequency and helps prevent constipation.
4 Tips to Healthy Bowel Movements That Will Optimize Your Daily Activity
While it is beyond the scope of this article to go into specific foods that are good to eat for optimal bowel function, here are three items you should consume every day to ensure normal movements.
1 Water eight to ten glasses a day
2 Fiber bran cereals, whole grain products
3 Oil olive oil on salads
4 Morning bowel movement
The goal of any woman during pregnancy should be to ensure her own health and that of her baby. Most understand that staying away from alcohol and tobacco are important during pregnancy, but what else can you do to ensure a healthy pregnancy following a successful in vitro fertilization procedure?
Acupuncture is often used by individuals before in vitro fertilization or before trying to get pregnant. Practitioners of acupuncture often recommend beginning acupuncture three to six months before fertility treatment, and some choose to undergo one session right before and right after treatment. In terms of pregnancy, many choose to continue acupuncture in the first three months of pregnancy, as this is the period in which most miscarriages occur.
Yoga has also been used by individuals to improve their fertility. Stress can be a major inhibitor to fertility and yoga has been known to help patients relax. During pregnancy, yoga may also be beneficial. It may help women adjust to their pregnancy and is a great way to relieve stressboth physical and emotionalduring pregnancy.
Take special precautions when pregnant, however. Avoid poses that put you on your back after the first trimester, poses that stretches the muscles too much and do not practice yoga in a hot room. The best piece of advice regarding yoga during pregnancy may be to seek a yoga class geared specifically to pregnant women, and to let the yoga instructor know that you are pregnant as well as your trimester.
Nutrition is another important part of pregnancy, as it is essential to get all of the necessary nutrients, vitamins and minerals for your baby. Drinking water is a sometimes overlooked part of nutrition, but is important for staying hydrated and carries nutrients from your food to your baby. You’ll want to consume protein, carbohydrates, calcium, iron, Vitamin A, Vitamin C, Vitamin B6, Vitamin B12, Vitamin D, folic acid and limited amounts of fat.
Foods to avoid, however, include raw or undercooked meats, eggs or poultry, fish high in mercury, unpasteurized milk, caffeine, soft cheeses, unwashed vegetables, raw shellfish, smoked seafood, deli meat, pate and, of course, alcohol. Fertility clinics often offer nutritional counseling for women unsure of the diet they should adopt while pregnant.
Most people have heard the expression, ‘you’re eating for two now’. Keeping in mind your own health as well as that of your baby is important throughout your pregnancy with IVF, and should be taken very seriously.
Corns and calluses are thick and hard patches of skin seen in areas subjected to a lot of pressure or friction. Their formation is actually your body’s defense mechanism against injury. In most cases, ill-fitting shoes are the main culprit.
Hence, they are a common sighting on the feet – on top, on the soles, on the sides of or between the toes. Their abnormal shape causes discomfort when walking or standing while a few might get seriously infected, if left unattended.
If you have a nasty corn or callus that’s shows up time and again, here are tips you could use to cut it from its root. It starts with a little foot pampering.
Pumice stone –
You need to scrape off the dead skin cells and a pumice stone comes handy. Do it after a shower or after soaking your feet in hot water as the skin is soft and wet. Sand it down little by little every day. Don’t scrub too hard for the fear of creating an open wound.
Castor oil –
Dry corns and calluses tend to hurt more. Hence, moisturizing them daily makes them bearable. Besides, soft corns are easier to remove. Castor oil acts as a natural moisturizer. Cover it with an adhesive tape letting the castor oil soak in.
Corn pads –
One of the best ways to heal a corn is to reduce pressure and friction in the area. There are special non-medicated doughnut shaped corn pads you can purchase at the pharmacy. Their cushioned design not only covers the callus but also allow it time to heal. Some have pain-relieving gel that really helps.
White/ Apple Cider Vinegar –
You can add a cup of apple cider vinegar or white vinegar to a basin of water and soak your legs in it. Its acidic nature makes it the perfect anti-fungal and anti-bacterial reducing the chances of an infection.
Alternately, you can soak a cotton ball in vinegar and apply it to the corn. Cover it with a pad and sand it down the next day. It helps.
Baking Soda –
It is the cheapest remedy for corns and calluses. Baking soda is a natural exfoliant and does a great job sloughing off dead skin cells. Drop in 2-3 tablespoons of baking soda in a basin of hot water and soak your legs in it.
There’s yet another way you can use baking soda. Make a paste of 1tsp baking soda, 1tsp water and a drop of lemon juice and apply it to the corn. Leave it overnight covered with a bandage. Wash it in the morning and sand down gently.
Epsom salts –
Soak your legs in a basin of warm water with Epsom salts dissolved in it. The Epsom salts helps soften the corns and calluses.
Lemon juice –
The citrus acid present in lemon juice softens the hardened skin of the corn enabling it to fall out painlessly. Cut a thin slice of lemon, just the size of the corn. Place the rind over the corn and secure it with a bandage. It also smells fresh.
Cushioned soles –
It is advisable you don’t go without socks. The skin rubs against the sides of the shoes increasing friction. If you have corns on your hands, due to riding often, wear gloves.
Comfortable shoes –
Avoid wearing shoes that are extremely tight or too loose. There should be enough room for your toes.
See a doctor –
In some, corns are symptoms of other conditions such as diabetes. It is caused due to poor circulation. You must get the corns checked by a podiatrist whether they are painful or not as the risks of infection are higher.
These are some of the ways to get rid of corns and calluses on the feet. These natural and medical remedies can help alleviate the pain and discomfort associated with corns and calluses.
It?s hard to fathom anyone who would be willing to risk injury, his or her health or even life just for a job. Management and employers have a big influence on managing risks and it doesn?t mean just because a job is dangerous, it?s no longer needed to address the workplace health risks involve. We?re talking about human beings here and being safer only leads to good things such as increased savings later on and better workplace moral.
One of the most basic and fundamental of any workplace health practice is having it free from common workplace hazard. Workplace hazards vary from one working environment to another. Mechanical, chemical and even biological hazards are present in most workplaces.
Working environments like inside a manufacturing plant can be damp, wet and slips can be a common thing. The severity of the injury depends on mostly how the accident happens. Mechanical hazards are fairly easy to spot so company should not have a hard time preventing these from tarnishing workplace health record.
There should always be signs on places where it is slippery or dangerous. Another example is restricting dangerous areas to only the people that are meant to be there. Each and every single one of these workplace health measures to reduce risk and eventually eliminate it altogether.
Everywhere around us we see chemicals and mixtures of chemicals. Some chemicals can be inert and non-reactive while other chemicals are extremely volatile. Thus, the risks of chemical hazards on workplace health are different for each one.
Each and every single chemical in any workplace, whether the office, manufacturing plant or any other place should be identified and catalogue as well as made available the material safety data sheet for each one, as this is the single most important step in reducing workplace health risks. MSDS are a great resource to keep in reach and near the chemicals. Moreover, companies should educate their employees first and foremost on the proper handling and storage procedure of each chemical.
Moving on, we have the most complicated types of hazards in the form of viruses, bacteria, molds and fungus, pathogens, diseases like tuberculosis and so forth. No matter where you work, biological workplace health hazards are present everywhere. One more reason why biological hazards are hard to manage is their ability to travel from place to place.
Education is the first step to prevention, therefore educating employees in the proper sanitary conditions in the workplace is one of the easiest ways in preventing diseases to affect people. Some examples of basic practices are covering one?s mouth when sneezing, cleaning up after one?s self, all these impact workplace health. Companies should sponsor or at the least require employees to get regular or yearly checkups to mitigate diseases from infecting and taking a toll on the workforce.
Making the staff more aware of the risks involved in the workplace is more helpful for the company instead of constantly trying to eradicate the risks. The workplace is safer once staff and employees know and can identify the risks at the workplace. Lastly, prevention is the best medicine and all workplace health issues lie ultimately on the individual.
We all need health care – well, most of us do, anyway. But none of us like to spend much of our hard earned money on that. Health costs are expensive, and we’d much rather spend our cash on our home, on our family, on things we can enjoy. How to save more money on health care? Well, here are three steps.
First, get yourself healthier! I know, this may look too common sense to make it worth writing down here-but it is really the key. If you have an active lifestyle and a good, nutritious diet, you are setting yourself up to pay much, much less on health care than someone who is a couch potato and lives on junk food.
There are two aspects of this. First, you will simply need less health care. If your diet includes plenty of calcium, for example, and you get enough vitamin D to allow your body to make use of it, you can fall down the stairs, get up, and go about your business. If your diet is low in calcium, though-maybe you prefer cola instead of milk as a regular drink-a fall down the stairs is likely to mean a trip to the hospital, a cast on your arm or leg, and a monstrous bill.
The second aspect has to do with your health insurance. Insurance providers look at you and your general health when they give you health insurance quotes. If you want affordable health insurance, you should be as healthy as possible. Pre-existing conditions is a nasty word that makes the price given for health insurance quotes skyrocket and the benefits sink somewhere lower than Mordor. With a healthy lifestyle, you’ll have far fewer pre-exisisting conditions than if you threw your health to the birds and partied your way through life.
So, the first step is to get yourself healthier by choosing a healthier lifestyle. What is the second? Preventative care. Saving a dime to spend a dollar is what many of us do when it comes to medical expenses. If there’s a medical procedure you really should have done, just go get it done. It’s better to pay the fees for this now than to pay the enormous fees you’ll have to pay if you let the problem grow before it’s taken care of.
The third step you can take in order to save money on health care is to do your research before choosing an insurance provider. Get health insurance quotes from a variety of places if you really want affordable health insurance. Make sure you give the insurance provider all relevant information when asking them to generate health insurance quotes, and then, when you’ve got data from quite a few places, compare them. Compare not only the insurance quotes, but also the benefits that each provider is offering-benefits for day to day preventative care as well as benefits in an expensive emergency. A careful analysis of this information will help you get the most affordable health insurance for your personal situation, and affordable health insurance will help you bring your health bills down.
In these tough economic times, lots of workers who have been laid off have opted to start their own businesses rather than seek new corporate jobs. While this choice can be enormously satisfying and empowering, it comes with significant disadvantages, and one of them is finding health insurance self employed alternatives.
Some 2.6 million independent workers have individual policies, while 3.5 million get health insurance through their own business group policy, according to the Employee Benefits Research Institute. The following suggestions can help anyone who’s currently self-employed or intends to start a business in the near future identify health insurance options.
If you have the time to plan your departure from a corporate job, then consider maintaining health insurance coverage through the company’s group policy. All workers whose employers have 20 or more employees have this right under the Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986. COBRA provides that unless they’re fired, former employees can keep their group coverage for up to 18 months after leaving their employers.
This option comes with a hefty price tag, however, since self-employed people must pay the full premium cost of their health care insurance. Most employees pay an average of 28 percent of their insurance premiums, while their employers pick up the rest of the tab. Taking on that additional 72 percent can put a big dent in the wallet. Details on COBRA are available through human resources or from the US Department of Labor.
Rely on Your Spouse. Many self-employed people swear by an old saying: The best way for a freelancer to be successful is to have a spouse who works as an employee. This is especially true when it comes to health insurance in the United States, where some 3.3 million self employed workers are covered by their spouse’s health insurance. It’s likely that signing up under an employed spouse’s health plan will be much less expensive than many other options, including coverage through COBRA.
If you’re single, or your employed spouse has no health insurance, then you’re forced to strike out on your own. This means doing research, and a lot of it. There are two options here: buying health care coverage on your own through the Internet, or working with an insurance agent. The do-it-yourself route requires more work, because even with the many websites that offer insurance comparisons, the individual still has to do the math on prices and coverages. There’s also work involved engaging an insurance agent. The wise consumer interviews at least three agents, and checks the performance of all of them through the state insurance commissioner’s office.
Whether going it alone or working through an insurance agent, don’t make any deals until you’ve thoroughly investigated the performance of your most likely candidate for health insurance. An insurance company with lousy customer service, even if its prices are the lowest, is no bargain. The state insurance commissioner’s website typically provides information on how many customer complaints an insurance company receives, and what those complaints entailed. If the health insurance company you’re considering has a poor service record, move on to a new candidate.
Finally, although you’re working for yourself, don’t forget the strength of numbers. Many self-employed people find that it helps enormously to seek health care coverage through professional organizations. Two of the top organizations in this regard are the National Association of the Self-Employed for independent contractors and the National Association of Professional Employer Associations for business owners. Either can provide additional information on finding health insurance self employed alternatives.
Since health insurance regulations vary from state to state, health insurance agents must choose a geographic location and specialize in order to serve customers efficiently. In other words, health insurance agents have already done most of the time-consuming and frustrating work for you. What’s even better is that an agent with years of experience will also have dealt with a wide variety of customers with a wide variety of needs and situations. So there’s a good chance an experienced agent can help you quickly because they are likely to have helped someone else with a similar situation. For example, if you are looking for a cheap family health insurance rate and you have one child entering elementary school and a newborn on the way, there’s a good chance you can find an agent who already knows which plans and options fit your situation best.
The moral of the story here is that you don’t need to drive yourself crazy finding a cheap health insurance plan on your own. There are thousands of health insurance agents across the country who focus on specific geographic areas so they can serve customers like you better.
How do you find one of these agents? Well, through the internet of course. A simple search in your favorite search engine for “health insurance agents”, “health insurance quotes” or even just “health insurance” will easily turn up a number of websites that connect customers with agents. Most of these sites have their own quote search engines that ask you for a zip code or state and then return a list of agents based on your location. It’s that easy. Oh, I almost forgot, and it’s free too.
What Goes Into a Family Health Insurance Rate?
Now that you know how to find health insurance agents in your area, you need to understand a little bit about how to evaluate health insurance rates and quotes. We’re just talking about some basics here, enough to let you feel confident when talking health insurance with an agent.
The first item that catches a customer’s attention about a family health insurance rate, or any type of health insurance rate, is the monthly premium amount. After all, this is the amount of money that needs to be paid on a monthly basis in order to keep the insurance plan in effect. While this is a very important factor in determining the total cost of a plan, it is not the only one.
In addition to the monthly premium, every plan has a deductible. This number reflects the amount of money you need to pay out of your own pocket before the health insurance company starts paying any of your health care costs. For example, if you have a plan with a $2,000 deductible, and you get hospitalized with a $6,000 bill, you must pay $2,000 and the insurance company pays the rest. So do not brush aside the significance of the deductible amount thinking it won’t come into play. Be realistic about your health and lifestyle so you end up with a plan that gives you proper coverage. An experienced health insurance agent can advise you on how much protection you need given your health and income levels.
Another thing to take into consideration is any language in a cheap health insurance plan that specifies medical conditions and procedures that are not covered. This can be easy to overlook since it doesn’t have a number tied to it. But make sure you ask your agent about this issue when evaluating your options. At the end of the day, you are buying health insurance in order to cover yourself and loved ones in case something happens. So don’t overlook the details on what is covered (and what is not) by each health insurance plan you consider