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California private health insurance: Who Need Health Insurance

California private health insurance: Who Need Health Insurance

California private health insurance plans are on a lot of people's mind right now. If you have become confused as to what is going on with health care insurance due to all the political maneuvering, promises of new health care reform, and the President's messages and news conferences during major media events, you are not alone.

Since, health insurance has become a common law, it has also become a common topic of conversation at the water cooler at work, the coffee shop in town, and your own dinner table you probably want some answers. And you probably just want the facts, without the promises, hype, or speculation. Good, you've come to the right article to help you with information to secure your California health insurance needs.

California family healthcare insurance can be had at affordable prices. Finding affordable health insurance in California is not impossible, but it does take a little bit of work. Paying attention to the details is essential, and getting the best California healthcare insurance quote is paramount. But, it hardly starts and stops with merely an online insurance quote.

Most insurance carriers in California generally have their online health insurance quotes set to best case scenarios. And last time any of us looked in the mirror, chances are we weren't wearing Olympic gold-medals. As we age, each of us has our own specific health care needs.

If you are in need for California individual healthcare insurance we must take into consideration your present and current individual health situation when looking for the proper coverage, as well as the lowest health care insurance premium costs. Health insurance in California does not have to be complicated, and there are lots of great companies to chose from when deciding on the best California healthcare insurance plans to fit your family's budget, and all your individual medical insurance needs.

The State of California regulates health insurance companies, carriers, brokers, and agents quite strenuously, and they do this to protect our citizens, the consumers, patients, beneficiaries, and our elderly from abuse and fraud. Thus, you can bet that any of the healthcare insurance plans in California, those which are offered through legitimate companies in the health care insurance industry, at least in our state meet those guidelines.

This means if you need California Medicare supplemental "Medigap" insurance, each policy will have to cover the specific issues in each category Medicare Part A, B, C, D, etc., as per the State Insurance Commissioner. Prior to turning 65 you will need to enroll in Medicare, and you should also see about Medicare supplemental insurance to protect your nest egg and life's savings in case something happens.

If you need California health insurance for children, the state rules and regulations require that all health insurance policies in CA adhere to certain rules and regulations, which may or may not be different from those in neighboring states.

Since children have different types of medical care needs from us adults and parents, we need to make sure that your family insurance policy covers those unfortunate potential eventualities which often occur in that period of the life-cycle. One issue that is common is broken bones as our young and fearless children find out there are actually limits to their abilities and agility - Superman and Wonder Woman are only fictional characters. Please consider all this.

Lance Winslow is the Founder of the Online Think Tank, a diverse group of achievers, experts, innovators, entrepreneurs, thinkers, futurists, academics, dreamers, leaders, and general all around brilliant minds. Lance Winslow hopes you've enjoyed today's discussion and topic.

Article Source: http://EzineArticles.com/?expert=Lance_Winslow

How to get Low Cost Insurance For Health Coverage

How to get Low Cost Insurance For Health Coverage



You can get low cost insurance quotes for health coverage quickly and simply online. The quotes are on a no-obligation basis and will be tailored to your needs. Your requirements will be sent to representatives in your area who will start working on your quotes right away.

Sometimes it only takes a few minutes for you to receive detailed costings. However, if your needs are fairly intensive, it make take longer. Nevertheless you will still receive all your free no-obligation quotes in 48 hours maximum.

There are various kinds of plans when it comes to health insurance. In fact, there are so many that it can all be somewhat confusing. This article will very briefly outline some of the most popular ones. Once you have read through them you can get detailed information from an insurance agent or the internet.

You could choose a fee-for-service plan, also called an indemnity plan. This permits you to choose a specific healthcare facility or hospital and a doctor. The insurance company will cover a specified amount of any costs incurred in accordance with a predetermined fee. Most of these plans specify a cap on what you will pay annually. When this cap is exceeded, the insurance company will carry all further expenses.

Then there's a health maintenance organization (HMO) plan with rather harsh rules. This takes the form of 'managed care' insurance. You will have to select a doctor who operates in the HMO networking system. This doctor will become your primary care physician and will be the person who refers you to specialists if necessary. You will not be liable for any up-front payment for services, but you might have to pay a token co-payment.

A preferred provider organization (PPO) health plan also utilizes a physician network. However, unlike an HMO or a PPO, you do not have to select a primary care physician. But you will have to pay a larger co-payment should you consult a doctor who is not part of the network.

A point of service (POS) plan combines the benefits of an HMO and a PPO. The POS has no deductible and, like the HMO, the co-payment is very small. A network of physicians is used so your primary care doctor will have to be chosen from this. You will need a referral to consult a specialist.

Lastly, in your quest to get low cost insurance, you could consider opening and HSA (health savings account). This differs from other health plans because the main purpose is to provide coverage for people who have retired. This type of savings account is tax free and is funded by a person under the age of 65 who has a recognized health plan.

You can get low cost insurance quotes for quickly and simply online. It is however important that these quotes comply with recommended ins limits. We've got the inside skinny!

Article Source: http://EzineArticles.com/?expert=Ted_Kripps
Benefits of Vitamin A, deficiency and Food Sources

Benefits of Vitamin A, deficiency and Food Sources

Vitamin A, also known as retinol, is essential to the formation of visual purple in the retina, which allows vision in dim light. It helps your eyes adjust to light changes when you come in from outside and also helps keep your eyes, skin and mucous membranes moist. Vitamin A mostly comes from animal foods, but some plant-based foods supply beta-carotene, which your body then converts into Vitamin A. Vitamin A deficiency is rare in the United States, but it can cause night blindness, eye inflammation, diarrhea and other problems. Overconsumption of vitamin A can cause nausea, irritability and blurred vision in its mild form. Vitamin A toxicity can cause growth retardation, hair loss and enlarged spleen and liver in its more severe form. Vitamin A overdose can also cause birth defects and has been linked to increased risk of bone fractures in some people. Like other vitamins, vitamin A does not replace food and in fact, it cannot be assimilated without food.

Benefits of vitamin A to us:-

1. Vitamin A improves our vision and prevents night blindness.

2. This vitamin promotes formation of strong bones.

3. Vitamin A supplements may help kids who have respiratory problem.

4. Act as anti-oxidant, helping to protect our cells against cancer and other disease.

5. It can improve skin condition like acne or psoriasis.

6. Vitamin A guards us against bacterial, viral, parasitic infections.

Deficiency Symptoms of vitamin A

1. Bitots spot.

2. Night blindness.

3. Conjunctival xerosis.

4. Corneal xerosis.

5. Keratomalacia.

Sources of vitamin A

1. Spinach and collard greens.

2. Egg yolk.

3. Fortified milk.

4. Sweet potato and Broccoli.    5. Pumpkin and carrots.

6. Cheddar cheese.

Source:ezinearticles.biz
Explained: Health Insurance Deductible

Explained: Health Insurance Deductible

Health insurance plans have changed in America over the last few decades. When insurance first became available there were no co payments for prescription drugs and doctor visits. There were no benefits for preventive care services through your insurance plan. Those plans primarily focused on major medical surgery and emergency room situations. Every medical expense was subject to a deductible before the insurance would pay anything. The deductibles were lower than they are today. But a $50-$100 dollar deductible wasn't cheap when it was normal. The reason for the deductible is to lower the monthly costs. The higher the deductible, the lower the monthly cost because the insurance company would be less likely to incur a cost the higher the deductible goes.

This is a major consideration in the price of your insurance each month. If you think you are paying too much for insurance, many Americans will choose a higher deductible. These days a deductible of 1000 or 2500 is not unusual. While that is a lot to pay out of pocket in the event of an illness, nobody is required to pay it if they do not get sick or injured. It is not unusual for someone to have a plan for ten or twenty years without paying anything toward a deductible if they are healthy and do not use medical services. Doctors visits for sickness and wellness check-ups that people might use once or twice a year might be a few hundred dollars out of your pocket. But the savings in monthly premiums could more than make up for that amount each year.

This is where they came up with the concept of Health Savings Accounts (HSA). Health savings accounts couple a high deductible health plan (HDHP) with a tax free savings account to try to keep costs under control. These plans are also known as consumer driven health care plans. The reason for this is that the consumer is more likely to reconsider the doctor visit or expensive and questionable test if they have to pay for it out of their pocket rather than paying a single co payment for everything they do. Most HSA's come with plans with a 2500 or 5000 deductible. The insurance will not pay anything until that deductible is met except for a free annual physical each year. These plans offer more savings if you put the money to pay for the deductible in a savings account that acts much like an IRA. Individuals and families can take the money they put into the savings account off of their taxes. This way if they need to satisfy the deductible for a medical claim, they have the money in a savings account. The high deductible causes lower premiums for the insurance. So if they don't use the medical insurance they get to keep the money. Consider higher deductibles to lower your medical insurance costs.



Article Source: http://EzineArticles.com/6769048
The right time to eliminate gluten: Gluten Allergy Symptoms

The right time to eliminate gluten: Gluten Allergy Symptoms

Today I'm going to share with you the leading gluten allergy symptoms. Perhaps you have seen the words gluten-free written on a food label and wondered what it meant and is it healthy. Gluten is a protein that is used to help foods keep their shape, almost like glue. Most people eat it without any problems, but there is a small minority of people who have issues with it and this is called Celiac Disease.

When I mean a small minority of people I'm talking about less than 1%. Their immune system thinks it's as evil as Dark Vader from Star Wars and it starts to harm the small intestines. This damages a person's ability to absorb nutrients and brings about a wide range of symptoms. Apart from people who have Celiac Disease there is also a class of people who have a sensitivity or allergy to it. This just means their body doesn't like it, but it's not as extreme as Celiac Disease.

There is also one more class of people associated with gluten and can you guess what it is? Yep, the last group is a huge majority of people who can eat gluten without any problems. The million dollar question is how do I know if I'm sensitive to gluten and I have an allergic reaction to it? The first area that might have some trouble will be digestion. If you constantly struggle with constipation, diarrhea and possibly stomach aches then gluten might just be the problem.

Next when it comes to your mental health do you have trouble concentrating? How about problems with memory, brain fog and headaches? Another sign is if you feel irritable, anxious, depressed more often. Maybe everyone feels irritable and depressed more than they should, but it is a symptom of a gluten allergy. Lastly, there could be some skin problems if someone has trouble with gluten. This includes wanting to itch the skin a lot, which could be very annoying. Another sign would be hives and visible red rashes on the skin.

If you do experience these symptoms I recommend giving a gluten-free life a test drive. Eliminate gluten from your life for a little while and see what happens. If you notice many problems disappearing then you might want to continue going gluten-free. If nothing happens then there is no reason not to consume this protein and you can enjoy all the food that comes with it.

To sum everything up the leading gluten allergy symptoms involve digestion problems. This includes constipation, diarrhea and stomach pains. A person could notice trouble with concentration, memory, irritability, anxiety, brain fog and headaches. Lastly a person's skin might itch a lot and there could be a rash as well as hives.

Supplements and alternative medicine can be confusing and even harmful. Make things really simple and give your body a HUGE edge by viewing a free video guide I created at http://utahtexans.com/.

You can watch a video on gluten sensitivity at https://www.youtube.com/watch?v=knUHL0mz7ug

Article Source: http://EzineArticles.com/?expert=Kevin_Whitsitt

How to Naturally Whiten Teeth with Easily

Who does not want to have white teeth? certainly all including men and women crave clean white teeth. Clean white teeth will radiate charm so that every person who will see will love it. Many ways you can do to get white teeth, natural teeth Caring is not only can be done in a way such as brushing your teeth with toothpaste that is branded, but we also have to be able to avoid bad habits that can cause your teeth to yellow. In addition you can also do some traditional tips / natural for teeth whitening following:

1. Whiten teeth with Siwak or MiswakWearing 
Teeth whitening can also be done by using Siwak or miswak is a branch or tree roots that can be used to clean the teeth, gums and mouth. The way this has been done since time immemorial to maintain hygiene and tooth strength. All the branches or roots of trees can be used to qualify the miswak if soft and must be kept clean.

2 Whiten teeth by Using Wood Charcoal 
The next tips that you can do is whiten teeth using wood charcoal. Wood charcoal is what you get when you burn wood that will produce wood charcoal. Whiten teeth with things that are clearly black. This method is indeed a traditional but powerful way to eliminate the yellow color. But you also have to be careful in using wood charcoal, excessive use can damage tooth enamel and cause pain in the teeth. So do as needed.

3. Whiten teeth with Orange Peel 
This way also you should try, because the orange peel Who would have thought, we used to peel away the exhaust was also helpful. Orange peel can be used to take care of teeth. Use the inner white peel to rub your teeth yellow. Do it regularly every day and will become white teeth naturally and quickly. Be careful for those of you who have sensitive teeth, vitamin C contained in it is not suitable for the type of your teeth.

4. Whiten Teeth with Lemon added with salt 
Whiten teeth could also do with a lemon added with salt, how to use Make toothpaste made ​​from natural ingredients, from lemon juice plus a little salt. A natural toothpaste that is believed to help whiten your teeth. But remember not too often, because the salt can damage the enamel.

5. Whiten teeth with baking soda 
The next tips you should try is to use baking soda. Whiten teeth with the way this one is easy. You only need to apply baking soda to the entire surface of the tooth and let sit for about 10 minutes. After that brush your teeth with toothpaste to clean. Baking soda is able to remove stains that exist on the teeth, not too often used baking soda as it will damage the surface of the natural tooth.

The above tips are natural ways you can do, you should also pay attention to the selection of toothpaste are you using at the moment because of various toothpastes can also cause your teeth become white.



Top Secret - Juicing Recipes For Weight Loss

Top Secret - Juicing Recipes For Weight Loss

If you've never tried this method before, all you need is a good, quality juicer and some fresh fruits and vegetables and you're good to go. Juicing can help you lose and maintain your ideal weight in a variety of ways. One of its greatest benefits is cleansing and detoxification. Through this process, your body flushes out toxins which increase the risk of diseases and infections. Toxins are stored in fat, so when they are removed from your system, you lose fat cells as well. Another way that juicing helps you lose weight is by boosting your energy, so that you can perform fat-burning exercises.

There are literally thousands of juicer recipes out there, but here are some of the most effective most powerful ones you can try:

Cucumber and Tomato Slimmer

Ingredients:

3 cups chopped tomatoes

2 cups diced cucumber

1 stalk celery

1/2 tsp. sea salt

1/2 tsp. ground black pepper

1/4 tsp. cayenne pepper

The Weight Watcher's Breakfast

Ingredients:

2 medium carrots

1 cup chopped watercress

2 red tomatoes, diced

1/2 cup baby spinach

1/2 cup cilantro

1 tsp. kosher salt

1 tsp. ground black pepper

Slimmin' to the Beet

Ingredients:

1 small beet, cubed

4 celery stalks

1 cup chopped spinach

1 bunch cilantro

1 tsp. sea salt

Orange and Greens

Ingredients:

3 medium carrots

2 celery stalks

1 handful spinach

1 handful parsley

1 apple

1/2 lemon

Sweet with a Spike

Ingredients:

1 grapefruit

1 small kiwi

3 carrots

1 small beet

1 yellow pepper

1/2-inch ginger, peeled

The Dieter's Cooler

Ingredients:

1 cup watermelon, seeds included

1 lemon

1 tsp. mint leaves

Tropical Chili

Ingredients:

1 cup sliced carrots

1 cup sliced pineapple

1/2 lime, peeled

1/2 chili

Garden in a Glass

Ingredients:

1/2 cup spinach

1/2 cup celery

1/2 cup carrots

1/2 cup beetroot

2 oranges

1/2 lemon

1-inch cube ginger root

Green Juice Dessert

Ingredients:

1 banana or 1/2 avocado

1 orange

1 large carrot

1 apricot, fresh or dried

Berry Effective Weight Loss Juice

Ingredients:

3 apples

1/2 cup fresh cranberry juice

1/4 cup blueberries, fresh or frozen

1 tbsp. powdered psyllium

These delicious juicer recipes are very effective in weight loss, provided that you also do your part in trimming down - healthy eating and regular exercise is a must. Drink a fresh glass of any of these weight loss juices before a meal to suppress your appetite. You can also mix and match any of your favorite fruits and vegetables to create your own weight loss juices, just be sure to watch your fruit ingredients as they are high in natural sugar content.

Healthy dieting and eating is Donna H.'s passion and it has changed her life. With over a decade of experience and advice from nutritional experts, Donna spends her time writing about what she loves most - nutrition. Her book, Juicing Recipes for Weight Loss can be purchased on Amazon.com. Check out Donna's book for more juicing tips, tricks and recipes.

Article Source: http://EzineArticles.com/?expert=Donna_H.

Best Health Insurance Plans  for Your Family or Business

Best Health Insurance Plans for Your Family or Business

In today's society, health insurance represents a controversial subject, and from HMOs and PPOs to HDHPs and EPOs, the many different coverage options can be difficult to understand. Nevertheless, it's crucial to protect yourself, your loved ones, and/or your valued employees with this type of coverage, especially considering the costly nature of health care. Whether you're looking for individual or group health insurance, the highlights of each plan listed below will help you better understand the options available to you, allowing you to find the best health insurance coverage for your specific needs.

HMO - Health Maintenance Organization

A coverage option for both individuals and groups, the type of health insurance plan known as a Health Maintenance Organization (HMO) uses a Primary Care Physician (PCP) to direct all health care. Under this type of plan, services are provided by physicians and allied health care personnel who are employed by or under contract with the HMO. If you select this type of prepaid, or capitated health insurance plan, individuals will pay a small monthly fee to be a member of the HMO, as well as small fees or copayments for specified health care services. Except in the event of an emergency, no benefits are available outside of the provider network.

PPO - Preferred Provider Organization

Another plan option when looking for health insurance, the Preferred Provider Organization allows you to self-refer to any provider in the network. Under a PPO, hospitals and physicians provide discounted rates to plan members, so when receiving services from in-network providers, you will enjoy a greater benefit, which may be as high as 90 to 100 percent after the deductible. In regard to treatment received outside of the network, you will typically be reimbursed 60 to 80 percent, and these services typically have a lifetime maximum benefit per member (ie: $1,000,000). With this type of health insurance plan, all in-network office visits, the ER and prescription drugs are covered for just a co-pay, but pre-authorization requirements must be met, regardless of whether the provider is in- or out-of-network.

POS - Point of Service

Similar to an HMO in-network plan, the Point of Service (POS) health plan uses a PCP as a "gatekeeper" to refer cases to other in-network providers. Although you will pay more out of pocket if you opt to receive treatment from an out-of-network provider, as an insured individual under a POS plan, you are allowed to see either in-network or out-of-network providers.

EPO - Exclusive Provider Organization

Similar to the PPO health insurance plan, the Exclusive Provider Organization or EPO allows you to self-refer to any provider in the network. However, unlike the PPO, there is no out of network coverage under an EPO health insurance plan, except in the event of an emergency. If you choose this type of plan, you will have coverage for office visits, the ER, and prescription drugs for just a co-pay. Like the PPO, pre-authorization requirements must be met under the EPO as well.

Indemnity

Indemnity health plans, also known as "fee-for-service" plans, existed primarily before the rise of PPOs and HMOs, and provide traditional coverage. As an insured individual under an indemnity plan, you are allowed to receive services from the doctor, clinic, or hospital of your choice, but will pay a predetermined percentage of the cost of health care services, while your insurance company (or self-insured employer) will finance the remaining costs. Individual providers determine the fees for these services, causing them to vary from one physician to another. Under these types of plans, there are normally no co-pays for visits to your doctor's office and a deductible generally applies.

High Deductible Health Plans (HDHP)

Under a High Deductible Health Plan (HDHP), all covered services are subject to your deductible, with the exception of routine preventive care, which is fully covered. If you opt for this plan, you typically will not be charged co-pays for prescription drugs or visits to your doctor's office. HDHPs can be either EPO or PPO plans and may be paired with an H.S.A. (Health Savings Account). Both the annual contribution levels for the H.S.A., and the deductible and out of pocket maximums under the HDHP are determined by the IRS.

In today's society, health insurance is a controversial and at times, confusing topic, so when looking to find the most appropriate NH health insurance plan for your family or business's specific needs, it's best to rely on an independent insurance agent like Eaton & Berube Insurance Agency.

Article Source: http://EzineArticles.com/?expert=Darryl_William_DeLong
 How to Choose the Right  Health Insurance  With Your Employer Company Group

How to Choose the Right Health Insurance With Your Employer Company Group

Every year your Health Insurance Group with your company will have an open-enrollment period. This is the time when you can add dependents to your current plan, change your coverage and add on to the group if not currently a member. Most people try avoid this like a dental check-up, but you really should take advantage. You should not just go with whatever plan you have had for the past year, two years or since you started with your company because its easy you should see what other plan would work for your life style. There are a number of insurance plans and with employers raising health-insurance premiums while at the same time scaling back benefits, so you need to be proactive in getting all the information necessary and making sure you and your loved ones are properly covered, after all, you can't change your mind until next year around this time.

Don't find yourself paying $200 for your allergy prescription you were paying $25 for last year, check ahead of time, because after you check that little box next to your plan of choice it is too late to go back. Don't let the pharmacist be the barer of bad news.

Here are some of the best tips out there when making a decision concerning medical insurance during the open-enrollment process:

There are changes that you can make to your health-insurance plan during open enrollment.

If you do not currently have a health-insurance plan, now is the time to get enrolled. If you do have a plan, now is the time to switch if you have the option to do so. At this time you also want to correct inaccurate information and make sure that your spouse and all of your dependents are also covered.

Cheaper Premiums vs. Less Expensive Co-Pays

Like with most things in life, this depends on your situation. If you are healthy and younger, you can go for the lower premiums for your chances of having to visit the doctor often are lower, However, if you are older, have certain health conditions or have young children who visit the doctor frequently, you are much better off with higher premiums and lower co-pays--this will save you a bundle in the end. Make sure to also weight the value of the price vs. your health plan. If you choose a cheap medical plan that does not pay for certain benefits that you need, you are getting a poor value for you will find yourself paying in the end.

Lifetime Maximum Benefit

A lifetime maximum is the cap on the amount of benefits available to each policyholder. This cap is put into place in order to keep the cost of benefits affordable and to stabilize potential future costs. There are a lot of health plans that cap lifetime benefits at $1 million and are most often applicable to mental illness, drug and alcohol treatment and organ transplants.

If your plan has a low lifetime maximum cap, make sure to think carefully about how much risk you are taking on. It is possible for you to be healthy now, but have large expenses from one severe accident that can exceed a $100,000 in no time.

Can I switch health plans without undergoing medical screening for pre-existing conditions?

Yes, but only once time during the year. All other time sin the year you will have to sit out a pre-existing condition exclusion period. Also, if you were to enroll late in a group health plan you May have to wait as long as 18 months for coverage or your pre-existing conditions.

HMO vs. PPO vs. POS

There are several different types of health-plans out there. There are traditional fee-for-service plans (FFS), health-maintenance organizations (HMOs), point-of-serve plans (POS) and preferred-provider organizations (PPO). There are benefits and disadvantages to each plan that are necessary to consider when making your decision.

The least expensive are HMOs, however they are also the least flexible. HMOs require that you select a primary-care physician. In order to see a specialist you must obtain pre-authorizations from your primary-care physician for certain medical procedures. POS plans are more flexible than this, but they still require you to select a primary-care physician.

PPOs give policyholders great financial incentive -- in the form or reasonable cop-payments -- as long as you stay within the group of practitioners. While you can visit doctors that are "out-of network" specialists with out pre-approval, it can be more expensive.

Drug formularies and Pharmacy Benefit Tiers

Formulary: a list of medications for which a health plan pays.

Most health insurance plans that pay for prescription drugs have pharmacy benefit tiers in place that group certain drugs together for pricing purposes. Brand-name drugs, are usually in the top tier, and are the most expensive; generic drugs dare in the lower tiers and are less expensive. Depending on your prescription drug co-pay for a medication, you may be $5 to $10 for a lower tier drug and anywhere from $25 and up for a higher tier drug. Most plans have have 4 to 5 tiers, but some have as many as seven.

FSA's vs. HSA's

An FSA is a flexible spending account. This is a benefit plan that allows workers to certain companies the opportunity to pay out-of-pocket health and dependent care costs on a pre-tax basis. Over time, this lowers payroll-related taxes for both the employee and the employer. Although, if you decide not the use the money you've set aside by the end of the year, you will lose it.

An HSA is a health savings account that is technically a trust. It is designed to let you set aside money specifically for health costs, while receiving a tax break. HSA funds not used within the year can roll over to help pay for future expenses in the next year.

What's the best way to compare different plans?

When you are given a choice between plans the most important things to consider are price and whether your family's doctor is covered in that plan's network. However there are other important criteria to investigate.

There are accreditation groups, such as the National Committee for Quality Assurance, who measures plans using a variety of standards. There are also ratings companies such as Standard and Poor's, A.M. Best and Moody's, that help to give you a overall picture of a health plan's financial strength. Consumer groups publish "report cards"of insurance plans as well.

What if I have questions about my health insurance plan?

Visit your human-resources department at work or your benefits administrator. If you go to your state department of insurance there are analysts you can speak with.

If you have further questions please visit my blog at http://www.Health-InsuranceCalifornia.com/blog or email your questions to lesley@health-insurancecalifornia.com You can also reach me toll-free at 877-707-9898. If you are just looking for a free health-insurance quote you can visit http://www.health-insurancecalifornia.com/free-quote

Article Source: http://EzineArticles.com/?expert=Lesley_Politi

Options - How to Get Cheap Oregon Health Insurance easily

Options - How to Get Cheap Oregon Health Insurance easily

More than 17 percent of Oregonians, about 609,000 people, have no health insurance. If you're part of that group, or are looking for less expensive insurance than you already have, here's how to get cheap Oregon health insurance.

Cheap Health Insurance Options

Oregon offers several options to help you find cheap health insurance:

* Low-wage earners may be eligible for the Oregon Health Plan. This coverage is free for pregnant women, families, the elderly, and the disabled.

* Children under the age of 18 may qualify for the Oregon Children's Health Insurance Plan.

* Low-income families may be eligible for subsidized Oregon health insurance through the Family Health Insurance Assistance Program.

* If you have pre-existing health conditions that makes it impossible to obtain affordable health insurance, you may be eligible for the Oregon Medical Insurance Pool.

Saving on Private Health Insurance

If you don't qualify for any of these options and you need to obtain private health insurance, the best way to find a cheap policy is to shop around. Go to an insurance comparison website where you can get quotes from several insurance companies. As you compare the quotes look at ...

* Costs, including the monthly premium, annual deductible, annual out-of-pocket limit, co-payment, and out-of-network charges.

* Lifetime cap on benefits.

* Plan features such as the choice of caregivers and access to specialists.

* Coverages included, such as pre-existing conditions, preventive care, prescription drug, diagnostics, surgery, urgent and emergency care, elder care, rehabilitation, prenatal and maternal care, mental health, vision, and dental health.

You will no doubt have questions about your insurance options, so look for an insurance comparison website that offers a chat service where you'll be able to talk with insurance professionals and get prompt, accurate answers to all your health insurance questions (see link below).

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Oregon health insurance rate quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on finding inexpensive Oregon health insurance rate quotes.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens

Beauty Supply Stores: Why I Love Beauty Supply Stores

Beauty Supply Stores: Why I Love Beauty Supply Stores

One of my favorite things about beauty supply stores is the wide variety of things you can find there. Unlike drug stores such as Eckerd or Rite Aid who devote only an aisle or two to beauty products, beauty supply stores have rows and rows of everything you could ever imagine. As an added bonus, the items are usually priced far cheaper than you'd find anywhere else. The only negative thing I have to say about them is that sometimes you have to be a licensed cosmetologist to buy certain things. On the other hand, sometimes the only thing that licensed professionals can get the Average Joe Public can't is a discount on certain merchandise.

Another great thing about beauty supply stores is that the people who work there are incredibly knowledgeable about the different product lines. What makes a $20 curling iron different than its $200 counterpart? If you have questions about anything from tools of the trade to which conditioner will get rid of the green tint that chlorine leaves in blond hair, beauty supply stores are where to go. Also, you can get professional products that you can't find anywhere else.

Beauty supply stores are a great place to go when you're feeling kind of homely and you've got an extra $20 in your pocket. It's at these beauty supply stores that you can find all of the materials you need to give yourself an amazing manicure and pedicure, detoxifying face mask and paraffin wax warmer for your feet or hands. You can also go to a beauty supply store when you need a new shade of lip gloss that makes drug store brands pale in comparison. I have saved thousands of dollars over the years by buying professional quality hair dye and dying my hair at home instead of going to a pricey salon and having a hair stylist do the exact same thing.

For more great beauty supply information, visit the Makeup Forum at [http://www.TheCosmeticsForum.com/] today. It's free to become a member so join today!

Article Source: http://EzineArticles.com/?expert=Jennifer_Robertson

Amazing: Health Benefits of Coconut Oil

Amazing: Health Benefits of Coconut Oil

Because coconut oil has a wide variety of healthy, healing and tasty attributes, it has easily earned a worldwide reputation as the best overall oil to use. Health benefits associated with oil from the coconut have been documented a dozen different ways, and when you toss taste and aroma into the equation, coconut oil becomes the easy favorite of fans everywhere.

Like many natural fruits, it turns out that the coconut has natural anti-oxidant properties, helps make the immune system stronger, has the ability to fight viruses and ward off disease, and still manages to add great taste to zillions of recipes. Here then are a few amazing traits credited to the coconut, and the natural oil it produces.

Coconut oil contains lauric acid, the critical link to monolaurin production

Lauric acid is significant, because once it's in the human body, it converts to monolaurin. Monolaurin destroys bacteria, and aggressively attacks viruses. Monolaurin can not be produced without lauric acid, so this nut oil is a good, natural source. Researchers have also found that monolaurin works great against the flu, hepatitis C, the measles and most exterior fungi like athletes foot. And because lauric acid is non-toxic, it is used in some of today's modern drugs that have been created to attack viruses in the body.

Talk about a helpful nut. In a study by The American College of Chest Physicians, coconut oil was shown to help pneumonia patients recover faster. These oil supplements have been used to successfully lower cholesterol levels, and is known to help the body absorb calcium and magnesium, thereby aiding the fight against osteoporosis. Throw in the fact that oil from the coconut has no known side-effects, and I think we can classify it as one of natures most miraculous gifts.

Coconut Oil works great on the outside of the body, too

Another great anti-oxidant of coconut oil is vitamin E, so skincare manufacturers have latched onto coconut oil because of its exterior versatility. It's used in lotions and shampoos because it naturally moisturizes skin, and this nut oil is used in antiseptics creams because it has terrific healing properties, and helps cuts, burns and skin rashes heal quicker. But the coolest skincare benefit of using it is that it acts as a natural sunscreen, actually screening out up to twenty percent of ultraviolet rays from the sun. Can't you just smell the Coppertone!

As you can see, coconut oil is an extremely versatile and helpful concoction... thank you, Lord. There are no known side-effects to the oil, so feel free to apply it liberally to your outside, or treat your inner self to a favorite recipe that uses this awesome oil. Our favorite way to use coconut oil is in making popcorn, as it gives popcorn that 'movie-popcorn' taste and aroma from yesteryear, when you'd get the real thing when you went to the show. However you use it, you can relax and enjoy the many health benefits of coconut oil, comfortable in the knowledge that it's one of natures very best things to indulge in.

Thanks for reading. I enjoy writing on a wide range of interesting topics, and they're posted at [http://www.glenhawke.com]

Article Source: http://EzineArticles.com/?expert=M_Heimann