7 Steps To Apply For Federal Permanent Disability Insurance.

Do you know how to apply for permanent disability? Do you know how long it will take to complete your goal? Do you know you can not work at all when applying for permanent disability? If you answered yes or no do any of these questions, read on.

STEP ONE:

Call Social Security and tell them you want to start the paperwork for you being permanent disability.

Or

Make an appointment at your local Social Security office.

Or

Or you can walk in and take a number and wait.

Note: Being represented by an Attorney and having Medical assistance available will help your case.

STEP TWO:

You will receive a packet of papers in the mail to be filled out and returned to the Social Security Office by the date requested. All your medical records will be sent for from your various medical providers.

STEP THREE:

You will receive a letter from Social Security with a date and time for you to have a medical examination by a Medical Doctor.

STEP FOUR:

If after your examination you are refused permanent disability you have a time limit to file for an appeal. The appeal form will be enclosed with your refusal letter from Social Security.

STEP FIVE:

At this time you may be represented by an attorney. Actually you may have attorney representation starting with Step One.

STEP SIX:

You will be waiting for a court date to be set. This can take months.

STEP SEVEN:

You can appeal again.

If denied again. You can start Step One over again.

Note: Each state has different requirements to be fulfilled by you. Always call your social security office and get the correct information for your personal use.

During this complete process you will not be able to work. You will have to depend on your bank account, family and friends for support to make it through the tough times.

The 5 Tips To Help Beat Anxiety And Depression.

I read an article recently that stated it could take up to five years to be able to correctly diagnose bipolar disorder, also known as "manic" depression. Although there are big differences in each of these disorders, there are some common tips that have been known to help some people cope. Here are a few you can use.

#1. Maintain a healthy diet. When your mind is giving you problems it's even more important to put good foods into your body, in order to maintain your energy level and also to help improve your mood. The last thing you need at this time is to be loading up on processed sugars, like candy and soda pop. You might get a sugar rush and be "high" for a short time, but you'll eventually crash and your mood will crash right along with you.

#2. Avoid stimulants. The reasoning is the same as the reason above, but even more so if you suffer from anxiety disorders. Caffeine, sugar, cold medicines, like Sudafed, or any other type of legal stimulant will kick your anxiety into high gear. If you're depressed and trying to use these stimulants for energy you must realize that it's going to eventually wear off and you'll be even lower than before. Worse yet, you may not be able to sleep either. There's nothing like feeling crummy and staring at the ceiling all night.

#3. Avoid drugs and alcohol. Besides the fact that drugs are illegal, they're also the worst thing that you can do for your mental health. If you're smoking marijuana, stop now. Besides the physical dangers, it's also a downer, especially after the THC wears off. I've had some people tell me that it doesn't affect them like that, that they get more of a high or feel "normal" afterword. This may be true for some individuals that are chronic pot smokers, but for the large majority of people I recommend that you leave it alone. Leave it alone anyway, it's against the law.

Methamphetamines is a huge problem these days and has reached near epidemic proportions. Meth will completely rob you of your spirit. If you suffer from anxiety or depression I urge you to stay away from this drug. You may initially get a fantastic high, but, like most other addictive drugs, it will soon take more and more and when you come down your depression and anxiety is multiplied many times over. It's also estimated that only 22% of those that begin using Meth are ever able to quit and stay clean permanently. Please don't do this to yourself.

#4. Exercise every day. Not just a quick "walk in the park", but exercise until you work up a good sweat. You need to really work your body out. This has helped many people manage their symptoms and has nearly eliminated symptoms in others. When you exercise you're building up good endorphins in your brain. You're burning off excess stress and, as an added bonus, you'll also burn off calories! Exercise is just a "win, win" activity. There are no negatives and the benefits are numerous. Get off the couch and get to work right now!

#5. Find someone that understands what you're going through to confide in. This can be a good friend or family member. All of us must occasionally get stuff off our chest. It's calming and releases tension. You may have something on your mind that's been bothering you and made your anxiety flare up. I'm not going to say that it's going to cure your problem, but it surely won't hurt.

I hope that these tips help you, as they've helped others. For some people anxiety attacks and depression are an everyday event, while others have milder cases. Until researchers find that "little magic pill" that we've all been waiting for, it's important that we do all that we can to help ourselves

The 6 Simple steps to prevent the occurrence of heart disease.

Heart disease is the leading cause of death due to disease in the United States today. What many people may not realize is that simply preventing it before it happens is the best medicine. In fact the steps to prevention are relatively simple and easy but it does involve some significant lifestyle changes. But then a few changes to live a long healthy life are certainly worth the effort, aren't they.

Here are six simple steps you can take to help prevent the occurrence of heart disease.

1. Cut the Fat - This can be difficult for many people because fat is what makes everything taste so good. Unfortunately eating to much fat, particularly trans fat, can lead to a rise in LDL cholesterol, known as the bad cholesterol. It builds forming plaque that narrows and hardens the arteries. This can cause a clot which leads to a heart attack or stroke.

2. Cardiovascular Exercise - By keeping your heart and the rest of your cardiovascular system strong and in shape you can significantly decrease you chances of suffering from heart disease. Doing some form of physical activity everyday is a good way to heart disease at bay. It can be as simple as doing housework, going for a daily walk or bike ride, taking the stairs instead of elevators, or any number of other daily activities.

3. Quit Smoking - more than 135,000 people in the United States die from tobacco related heart disease every year. In fact if you smoke you are two to three times more at risk to die from coronary heart disease.

4. Use Less Salt - Salt is a necessary part of any diet but to much salt can cause your body to retain water and other fluids. This can cause blood pressure to rise which is a major factor in cardiovascular disease.

5. Reduce Stress Levels - This is easier said then done because stress happens. Most of the time there is nothing you can do about it when it happens. But when stress does rear its ugly head you need an outlet that lets you keep its effects to a minimum. Find time everyday to spend time by yourself, in a quiet, relaxed environment. You can also use exercise to reduce stress, thus taking care of two of the steps at one time.

6. Keep Your Weight in Check - The interesting thing when we talk about weight and heart disease is that there are two sides to this issue. Being overly thin, including because of eating disorders, increases the risk of heart attack just as being overweight does. The idea is to maintain an ideal body weight for your height and body type. A good starting point is to use the body mass index (BMI) to determine your ideal weight.

By following these six steps you can go a long ways to preventing heart disease. It is important that if you think you have some form of heart disease or are exhibiting any of the symptoms that you see your doctor for the proper tests to determine your current health status.

The 6 Tips for Loosing Weight Quickly .

Ever since I went through my growth spurt in my teen years, I've been obese. I finally said to myself "I'm tired of being fat and people looking at me, I'm going to be thin and muscular". I actully accomplished that over the last year. Now I run every day. I feel great and I eat like a horse because of my high metabolism.

You too can have what I have and learn how to lose weight quickly. You just have to commit yourself to a whole new lifestyle. Here's some weight loss tips:

1. If you want to lose weight quickly, try some intervals. Intervals are a combination of running and walking. For example: You can run for 5 minutes and walk for 5 minutes then repeat. This pumps your metabolism up and also allows you to have a "resting" period while walking. Do this every day and the fat will melt away and you will notice your clothes getting bigger... or you getting smaller!

2. Eat Breakfast! Breakfast is the most important meal of the day. If you don't eat it, your body doesn't give itself the jumpstart it needs to keep a high metabolism throughout the day. Make sure to eat within 2 hours of waking up.

3. Do not eat right before you go to bed. This is just asking for trouble since it would be extra energy your body stores which translates into fat. Give yourself a couple of hours in between that last snack and bedtime.

4. Stay away from processed foods, soda, foods with fructose syrup, hydrogenated oils and trans fats. When you go food shopping, try to pick a variety of foods, preferably whole grain and organic foods. If you're going for the deli meats, stay lean by choosing turkey or roast beef.

5. Water is important! Drink at least 8 cups of water a day. This keeps you hydronated and flushes out your body of toxins. Your body consists of mostly water anyways.

6. When you're working out, make sure you give each half of your body a rest every day. For example if you work your upper body on Tuesday, only work on your lower body on Wednesday, alternating every day. This gives your body a chance to actully build muscle onto your body.

Please remember that strength training is a very important role in weight loss. Ever hear of the term "turn fat into muscle"? That's not literally what happens but it is pretty darn close. When you build extra muscle, your body needs more energy. This is why body builders eat alot. Their metabolisms are very high, they are very muscular, therefore they have low body fat.

Skip 100 Calories Today, Lose 10 Lbs. This Year

Skip 100 Calories Today, Lose 10 Lbs. This Year

You can drop ten pounds this year without lifting a weight, without starting a diet, and without lacing up your running shoes. In fact, it’s what you DON’T do that will get rid of those ten lbs. Simply DON’T eat those extra 100 calories a day.

100 calories are easy to find – we’ll go over that later. Here’s is why it works: By leaving out 100 calories per day, you are eating 36,500 less calories a year. (100 calories a day x 365 days in a year = 36,500 calories). It takes a decrease of 3,500 calories to lose one pound of fat. A decrease of 35,000 adds up to 10 pounds of fat…10 pounds of excess fat off of your body!

According to the American Heart Association, as of 2005, there were 140 million overweight or obese people in the United States. 72 million of them were men, 68 million women. Overweight is defined as a BMI of 25+. Obesity is a BMI of 30+. Overweight and Obesity -- Statistics.

Just think of how well you can do if you add in exercise, too. If you burn 100 calories a day through exercise and skip another 100 from food, it will equal 200 calories a day. That, in turn, will equal twenty pounds of fat gone from your body this year! Burning 100 calories with exercise is easy: (at a casual pace, for a150lbs. person) Ride a bike for 10 minutes, jog for 12 minutes, play tennis for 15 minutes, walk for 30 minutes. Start today!

100 extra calories that you can go without:

1. 1 can of soda (12 ounces)

2. ½ of a Klondike Ice Cream Bar

3. 1/3 of a Good Humor Ice Cream Sandwich

4. 1 tablespoon of mayonnaise

5. 2 McDonalds Chicken McNuggets

6. 15 potato chips

7. 6 potato French fries

8. 15 French fries

9. 2 tablespoons of sugar

10. 1/3 order of a small Arby’s Curly Fries

11. 1 tablespoon of butter

12. 1 pretzel rod

13. ½ order of McDonalds French Fries (small)

14. 1 can of Iced Tea (12 ounces)

15. 1 slice of white bread

16. ½ glass of chocolate milk

17. 1 regular beer

18. 2 Oreos

19. 1 shot of most liquors

20. ½ glass of wine

21. 8 Reese’s Pieces BITE size

22. 2 Kit Kat sticks

23. ½ Milky Way Midnite

24. 2 ½ Milky Way Mini’s

25. ½ Dunkin Donuts Chocolate Frosted Donut

26. 5 marshmallows

27. ½ a brownie (most brands)

28. 2 ½ Burger King Chicken Tenders

29. 1 ounce Burger King Honey Mustard Dipping Sauce

30. ½ order of Burger King French Fries (small)

31. 2 tablespoons pancake syrup

32. ½ cup of sherbet (most brands)

33. ½ cup sorbet (most brands)

34. 1 tablespoon peanut butter (most brands)

35. 2 raviolis, large (most brands)

36. 5 raviolis, mini (most brands)

37. 1/3 slice of pie (most brands)

38. 1/3 piece of cake (most brands)

39. 1 ounce of pasta (most brands)

40. 2 ‘pigs in a blanket’ (most brands)

41. 2 slices of bacon (most brands)

42. ½ buttermilk biscuit (most brands)

43. 2 tablespoon hollandaise sauce

44. 1/3 cinnamon bun

45. 2 TWIX Mini’s

46. ½ bag of M&M’s

47. 2 tablespoons caramel syrup

48. 2 tablespoons chocolate syrup

49. 2 Chips Ahoy! Chocolate chip cookies

50. 2 Oreos

51. 20 croutons (most brands)

52. 2 tablespoons cream cheese (most brands)

53. 1/5 Dairy Queen Choc. Chip Cookie Dough Blizzard (small)

54. 2 tablespoons cake frosting (most brands)

55. 1 ice cream cone (empty)

56. 1 KFC drumstick (regular)

57. 2 tablespoons pesto sauce (most brands)

58. 1/3 piece French bread frozen pizza (most brands)

59. 1 pudding (small)

60. 2 tablespoons Caesar salad dressing (most brands)

61. 4 tablespoons BBQ sauce

62. 2 tablespoons walnut ice cream topping

63. ½ of a hamburger bun or roll

64. 1/3 cup of half and half cream

65. 3 tablespoons sour cream

66. 3 tablespoons sweet and sour sauce

67. ½ cup frozen yogurt

68. 1 waffle

69. ½ of a White Castle bacon cheeseburger

70. 3 White Castle chicken rings

71. 3 cups of popcorn (popped)

72. 1 cup of buttered popcorn (popped)

73. 1 bite of a Burger King whopper (assuming you take 7 bites to finish it)

74. ¼ of a McDonalds sausage biscuit

75. 1/6 of a McDonalds Big Mac

76. ¼ of a Burger King Croissan’wich, sausage and cheese

77. 1 ounce of cookie dough

78. ½ of a slice of pizza

79. 6 Ritz Crackers

80. 5 Hershey’s Kisses

81. ¼ Wendy’s Frosty (medium)

82. ½ Wendy’s chili (small)

83. ¼ of an Arby’s Breakfast Biscuit with sausage

84. ¼ of an Arby’s Beef and Cheddar sandwich

85. 10 Junior Mints

86. 2 Andes Mint Patties

87. 1 TWIX stick

88. 1/3 of a muffin (medium)

89. 1/3 of a Danish

90. 4 tablespoons of dip (for chips)

91. ½ of frozen ice pop (most brands)

92. 3 caramel candies

93. ½ cup chocolate covered raisins

94. 1 ½ ounces of steak

95. ¼ cup cranberry sauce

96. Pepperoni (enough for 2 slices of pizza)

97. 2 tablespoons of tarter sauce (most brands)

98. ¼ cup Alfredo sauce

99. 1 Kellogg’s Pop-Tart

100.1 hot dog (most brands, no bun)

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

The 4 Warning signs to watch out for Fraudulent Medical Insurance .

Processing medical insurance claims are serious matters as well. Hence, it is best that you know how to choose a home-based business that can give you a good medical insurance work at home job.

Here is a list of some warning signs that you have to watch out:

1. Look for no start-up rates

One of the most common signs of getting into an illegal activity, which focus on providing medical insurance work from home job, is to compel collection from the person concerned. If you are being forced to purchase something from them, chances are, that company is simply good for nothing.

In most cases, fraudulent work at home jobs will insist on purchasing paraphernalia such as software programs and other items needed for the work at home job. There is nothing wrong with that to some extent, but what is wrong is when these items are being sold at very steep prices.

2. Training sessions

Since you will be working in a medical insurance work from home job, most scammers will ask you to undergo special training sessions. These sessions are required to certify you that you are eligible to work in this kind of environment and that you would be mostly working with health care professionals, hence, a certification will be needed. The drawback: these training sessions are very costly.

3. Work coordination

Most fraudulent medical insurance work from home jobs will tell you that your work will be synchronized with an insurance company through a special device known as 'central computer'. With this, your work will seem professional enough, letting you think that everything is supervised and done legally.

In the end, no central computer backs you up. No affiliations with a certified insurance company. And worse, your medical insurance work at home job is nonexistent.

4. Pressures! Pressures! Pressures!

A fraudulent work from home job will not just urge you to join their workforce but will insist that you do the work without more ado. In turn, you get confused, cannot think straight and may end up deciding without being able to check if the job is authentic or not.

These things will surely give you a hint that the work at home job you are about to start with is a definite fraud. Things like these will surely put you in a hot spot with your customers. There will be no way you can deliver the services that you have assured to them. And whether you like it or not, you will be doomed because you are the person in the front line.

Getting Out of the Fraud

Do not let this thing happen to you. Never wait to get yourself out of the fraud. It pays to stay informed and learn to detect and avoid fraud as early as possible. You can simply start with evaluating each work at home job you encounter. The number rule is that if the idea seems too good to be true, it probably is. So better stay out of it.

10 Important Things to Remember When Buying Life Insurance.

It is always better to find out vital information about life insurance prior to buying cover. This ensures that you obtain the best cover your money can buy.

10 facts about life insurance are:

1. Research the market: It is nearly always preferable to investigate all the cover available and to be clear about the monthly fees before deciding. A great place to source this info is online.

2. The sooner the better: Do not procrastinate in buying a life insurance policy. The best time to purchase a policy is when you are young and in employment. This will give you a choice of great policies.

3. Do not get too much: Try to have just the correct amount of insurance that is within your budget. Getting too much cover will attract increased costs which is unnecessary.

4. Always tell the truth: Never try to misguide when completing the insurance application. If you are discovered hiding facts, such as smoking, the insurance provider may terminate your plan.

5. Stay healthy for lower costs: Health conscious individuals pay the least expensive fees. But, habits like cigarette smoking, too much alcohol, intake of drugs and obesity can make your premium sky high.

6. Never pay unnecessary fees: The fees of some insurance coverage are high due to the fact they also incorporate the commissions of the broker. To prevent this, go with an insurance company that offers policies sold direct.

7. Monthly fees can cost more: One way to keep costs down is to avoid monthly costs. You should therefore go for bi-annual or annual premiums, which are discounted.

8. Check your cover from time to time: You should check your cover when there is a major change in your circumstances, like the birth of a child or your children starting university. Occasional reviews help you to ensure that you are paying the right fees, and that you have the right level of cover.

9. Do not rely upon your employers insurance cover: Most employees are provided with company insurance by their employers. But this may be insufficient for your requirements. Additionally, the group insurance policies get cancelled when you depart the company and because of this can not be relied upon.

10. Higher cover could be cheaper: With life insurance, monthly fees get less expensive as you go for increased cover. As such there is nothing wrong in increasing the cover, if your budget will allow it.

Life Insurance is a Way of Financially Protecting your Family

Life Insurance is a Way of Financially Protecting your Family

Life insurance is a way of financially protecting your family or business in case something unforeseen had to happen to you and you were not there to do it yourself.

Many people do not believe in spending money on premiums for something that they may not every need and others would not be without it as it gives them peace of mind to know that they have made provision for their young family in case they should need it.

Insurance is not only for families with young children but also for single people. There may be a number of reasons why you would want to have life insurance. If you have anyone financially dependant on you it is wise to make provision for them in case you were no longer there to support them.

Once your family has reached adulthood and you no longer want to keep up the premiums of this policy there are ways of getting rid of the policy. Not many people are aware of the fact that they can make money out of their life policies. There are insurance brokers that will buy your policy from you for more than you would get from the relevant insurance company if you cashed it in for the surrender value. They in turn will sell the policy to various investors who buy up these life policies and then keep them until the person in question has passed away. They can then cash in the policy. Many of these investors make huge profits from these policies.

Life Insurance No Medical Exam - Is It Really Possible?

Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs. It is only a click away on a computer, but you really do need to check to see if life insurance without having to visit a medical doctor applies to you.

You will have to complete the online application for life insurance answering a series of questions regarding your age, gender and the state of your health. Once the online agents assess the answers to the questions, they will determine whether or not you qualify for no exam medical life insurance. One thing is for certain and that is to get life insurance and no medical exam, you do need to be young and in prefect health.

When you find the perfect life insurance online where you do not need to have a medical exam, the process is quite simple. Once you receive a reply that your application has been accepted for life insurance, you can pay for it online using your credit card and print off your no medical exam life insurance policy. If you do not tell the truth regarding the state of your health, this will result in cancellation of your life insurance no medical exam.

When you shop for life insurance, you need to be an educated consumer. Even though you may be eligible for life insurance no medical exam, life insurance policies are either standard (permanent) or term (temporary). Basically, standard coverage remains in affect for the life of the insured. Term coverage expires after a set term of 5, 10, or 20 years (except for term to 100 insurance). Term life insurance is generally less expensive because death is not certain during the policy term. Generally no medical exam life insurance is term insurance. While there is no guarantee you will be accepted for life insurance without a medical exam, it is worth a try.

Not everyone qualifies for life insurance no medical exam.

The Advantages of Level Term Life Insurance.

Shopping for life insurance is a tedious and confusing undertaking. It is a task that many of us would like to avoid if it were not so necessary. Just as you finally decide which policy plan might best suit your needs, you then have to worry about your premiums increasing with each passing year as your risk of death increases with age. To simplify your venture in insurance shopping, many insurance companies offer what is known as “level term” life insurance.

Level term life insurance has premiums that are designed to remain the same for a period of 5, 10, 15, 20, 25, or even 30 years. This type of term life insurance is extremely popular because it is comparatively inexpensive while providing short to long-term coverage. This is especially ideal for individuals who are just starting out in the workforce.


How the Premiums Work

As noted, the premium paid for level term life insurance are the same each year. Payments are based on the total cost of each year's annual renewable term rates. The carrier then makes a time value of money adjustment (the “older,” more expensive to insure years are averaged into the premium). Therefore, the longer the term the premium is level (or remains the same), the higher the cost to the insured.

Most level term programs include a renewal option and allow the insured to renew for a maximum guaranteed rate if the insured period needs to be extended. This clause is typically only revoked if the health of the insured deteriorates significantly during the term.


What is the Catch?

As with all things that sound too good to be true, there are a few things to watch out for when choosing to purchase level term life insurance . Most level term policies provide you guarantee that your premiums will remain unchanged from original purchase price. However, not all carriers comply with their guarantees. Without a guarantee, the company can surprise you by raising your premiums when that was the last thing you wanted purchasing a “level” policy. It is imperative that you read all disclaimers and fine print. Ask questions if you do not understand the terms of the policy you are considering and make sure you purchase from a top rated (A to A+) company.


Conversion Policies for Term Life Insurance

In the case where you may become ineligible for level term life insurance renewal or if you decide that you would prefer to take advantage of the benefits offered by permanent life insurance programs, many term policies offer a conversion privilege for a certain period of years. During the allotted time period, the insured is allowed to convert to a permanent policy regardless of their health condition at the time of conversion. Purchasing a plan with a conversion policy is especially beneficial for young families. They are able to obtain the necessary coverage immediately at an inexpensive rate and then convert to take advantage of permanent policies as their income and assets increases through the years.

Conversions are usually implemented without proof of insurability. Some carriers will allow conversions until the age of 75. The coverage would be equal or lesser to the term face value already in place. It is a good idea to compare various term life policies to see which carriers offer conversions and the stipulations attached to their policies.

Discount Dental Plans vs Dental Insurance.

Dental insurance is a benefit typically provided by employers to help offset some of the high costs for dental care.

Good overall health relates to good dental health. Dental insurance is a benefit typically provided by employers to help offset some of the costs for dental care. Individual dental insurance Plans are available and provide dental benefits similar to the dental insurance you can get through an employer. Dental insurance typically pays claims directly to the dentist for most dental procedures. Dental insurance will pay the dentist a set amount or percentage for each dental procedure. Typically dental insurance will provide benefits for any dentist you might use.

Individual dental insurance is typically more expensive than group dental, and individual dental insurance can come with waiting periods. Sometimes discount dental plans would be a better fit for individuals than dental insurance. Discount dental plans typically have no waiting periods or claim forms and the cost less than dental insurance. Discount dental plans offer a set fee schedule for dental procedures done by dentists within a network of dentists. People with discount dental plans enjoy big savings on procedures like cleanings, fillings, crowns, and root canals if they are done with a dentist within the network.

Dental insurance and discount dental plans can work together to provide enhanced dental benefits. Dental insurance may have waiting periods of up to 12 months before major dental services are covered. Dental insurance also typically has an annual maximum of and750 - $2000 for dental procedures. with a discount dental plan there are no caps no waiting periods and no claim forms. If someone needs dental work done right away, a discount dental plans would help save money on dental procedures right away, and dental insurance could begin to pay once the waiting periods are met.

How To Pick A Good Health Insurance Company.

What good is life if you can't enjoy it? Health insurance helps ensure that you will be able to live your life fully. So, health insurance is very important indeed. There is no perfect plan already set up and there is no one single perfect provider. What you need to do is choose the plan that is perfect for you (your personal needs given your situation) at the lowest price. That is the best deal out there for you.

What Coverages Will Be Best For Me?

If you are not worried about paying out of pocket for doctor visits and such, and they are few and far apart, and you are young and healthy, then perhaps all you need is a catastrophic health insurance plan. Catastrophic coverage will only cover, yep, you guessed it, things that are catastrophic. Your coverage plan will have a detailed list of things considered catastrophic such as you get your head smashed in a car wreck or you wake up one morning and discover you have cancer. This type of coverage is the cheapest but obviously, very needed for everyone.

Additional Coverages

Usually when one thinks about what one wants covered, we remember to take into consideration doctor visits, injuries, illnesses, lab work, hospital stays, and those kinds of fun things, but there are many additional things that many do not think about that requires additional coverage. Suppose you needed a root canal, or your mind was no longer quite there, or, you became pregnant? You would need health care for those things along with, I am sure, plenty of prescription drugs to go along with it which also, by the way, usually requires additional coverage as well unless you plan on paying out of pocket. So, never assume you are covered for something. Have the whole coverage list in front of you so you won't forget to cover yourself for something you may regret in the future. For example, did you realize that some plans have additional options called wellness benefits that can help you pay for classes to help you stop bad habits hazard to your health, memberships to help you stay in shape, and consultations for your nutritional needs? There are usually more options than people realize, so make sure you know them all, then pick and choose from the entire list of options to tailor your plan exactly how you need it to be.

The Best Way To Protect Yourself Through Your Coverages

It is especially important to make sure all your needs will be met if you have your health insurance through your employer. Do not assume that any health insurance through your employer will be good enough for you. You may need to add additional benefits to your insurance to get the proper coverage that you need. And, of course, one must be honest on all the forms. It would be horrific to be denied coverage after paying premiums for so long only because of a question on the form answered dishonestly. Remember, your coverage is based on the forms you fill out, so be as detailed and accurate as possible. The coverage only covers the person on the form, not anyone else!

Should I Get An HMO Plan Or A PPH Plan?

HMO (health maintenance organizations) or also known as managed care, are typically less expensive but you are limited to using only their very specific network of doctors and therefore, hospitals as well. If you go anywhere else for your care you will have to pay full price. Your main doctor (primary care physician) will refer you to a specialist if the need is present. You will not simply be able to go wherever. However, many HMO plans now offer more choices to help ease the burden of being so constricted.

PPH (preferred provider health insurance plans) are more flexible in that you can choose from many more doctors and hospitals because they usually have many other providers also registered with them, but you also pay more for that flexibility.

So, you must decide which is more important to you, more flexibility or paying less for insurance. Once you decide that you will be able to decide on the plan.

How Can I Save On My Health Insurance Plan?

First of all, if you can get your health insurance through your employer, then chances are that that is going to be the best deal for you financially because your employer is going to be paying part of that cost and usually, insurance companies give good discounts for many purchased all at once. That is not to say that that is going to be sufficient coverage for you, as mentioned earlier, but you can always add onto that insurance plan as needed. The older you get the more expensive health insurance will get, so it will be especially good to get any kind of discount you can, especially when you are older.

If both spouses work with each spouse on a different insurance covered through their work, depending on the insurances, it may be cheaper to have both on one. That you will need to figure out to see which option is cheapest for you.

Another great way to save money, just like auto insurance, is to up your deductible (the money you are required to pay before your insurance will help you out). The larger your deductible, the lower your premiums (your monthly payments to stay insured). Just make sure that you will be able to pay your large deductible should the occasion arise (if something major happened).

How To Pick A Good Health Insurance Company

Call their customer service with as many questions as you can think of and see how they handle it! And, see how long you are on hold for. If calling them seems like a nightmare than chances are they are not the right company for you!