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Tips To Choose A Healthcare Insurance Provider

Choosing a healthcare insurance provider can be difficult with the large number of providers in the industry. With health-care costs on the rise, having some kind of health insurance is essential in today’s market. When choosing a regular healthcare insurance or supplemental health insurance, it is important to keep a few factors in mind.

Look at the Network

Most health insurance today is based on networks. Whether the plan is a normal one that provides basic coverage or one that provides Medicare supplement insurance, it is typically based on a network of providers. Before choosing a provider, it is important to review the network of medical facilities that are included. If a network is chosen that doesn’t offer the medical facilities that the consumer wants, the provider may not be the best option to consider.

Plan Options

When choosing a health insurance company, it is also important to look at the plan options that they offer. Some consumers need a health insurance plan that is compatible with a health savings account. Others need Medicare healthcare insurance that they can depend on. Not every provider offers the same options. Finding a provider that offers the correct healthcare plan is essential.

Customer Service

Another factor that needs to be considered when choosing a healthcare insurance provider is customer service. Not every healthcare provider offers the best customer service that is available. When it comes to filing claims and getting things covered when they should be covered, consumers need a company that has their best interests in mind. Otherwise, the experience of the consumer may not be as desirable as he would’ve otherwise liked.

Compare Cost

When choosing a healthcare insurance provider, it is important to consider the costs that will be involved. It is usually in the customers best interest to get quotes from multiple insurance companies at the same time. The consumer will simply have to fill out an application and provide some basic information about the family members that he wants to be included on the policy. At that point, the individual can get detailed quotes from the insurance companies. While it’s not all about price, health insurance can be very expensive. Finding an insurance company that provides premiums that a customer can actually afford are usually one of the top priorities in the search for health insurance. At that point, the consumer can make an educated decision about what policy he wants to buy. After the policy has been chosen, he can start using his insurance to save money on medical bills.

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How to Reduce Your Hospital Bills

If possible, keep your own lists of tests, medications, and treatments. Hospitals have been known to charge men for pregnancy tests and adults for newborn tests.

– Never pay the bill before leaving the hospital. You may be told this is required, but it is not. Before paying your bill read it carefully, and compare it to the estimated costs you were given before being admitted.

– Demand an itemized bill, and ask for a detailed explanation for any items you don’t understand. Don’t accept generic answers like “lab fees” or “miscellaneous fees”.

Health Savings Accounts Promote Price Transparency

Health Savings Accounts (HSAs) are plans that have a high deductible, and a savings account in which tax-deductible contributions can be placed. The money in the account can be used to pay deductibles and other charges not covered by health insurance.

The great promise of health savings accounts is that they will re-inject market competition into the healthcare market. As all of us who were fortunate enough to take Economics 101 understand, the balance of supply and demand provides the public with the greatest value at the lowest possible cost. If company B can produce and distribute the same quality widgets as company A, but at a lower cost, then the average price of widgets will fall, more people will be able to afford more widgets, and the average quality of a widget will increase, as businesses compete for customers. This is a wonderful system, and is part of what has made the United States the wealthiest country in the world.

Unfortunately, this system has not been in play when it comes to healthcare, because the consumer has not typically been paying the bill. As a result, the consumer doesn’t care what the service costs, and most doctors, hospitals, and pharmacies are very reluctant to reveal their (high) prices.

Health Savings Accounts are now changing all that. Millions of people have purchased these plans because of the lower premiums and tax advantages they offer. This has made consumers much more aware of what they are being charged. By demanding to know prices up front, HSA holders will begin to force medical providers to compete on price and quality, just like any other business does.

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How Meditation Has Changed My Life

Every week day for the past 2 years, I’ve done a daily practice with others virtually. Here’s how it works. I call the others on the phone, then one of us rings a bell to start and then again at the end, after 30 minutes. When we’re done, we each wish each other a wonderful day and go about our business.

During the 30 minutes, we each do our own practice. Sometimes I do all mindfulness meditation, sometimes I add in some meridian tapping and at times I’ve done some energy work on myself during the half hour. I always state my intention for who I want to be as the day unfolds.

Having this daily practice has probably been the most significant factor in helping me be my best. I never would have stuck with it so consistently if others hadn’t been involved. Just knowing others were waiting for my call each day made all the difference. We’ve been going for 2 years now and I can really see how it’s changed me.

Here’s what I notice: *Instead of helping me -get away from it all’, my practice helps me to show up for it all. I’m clearer about who I am, so I’m not so rocked by the world and others. I can let WAY more of life in and just BE with situations that before would have been very stressful or difficult.

*It gives me a daily reminder of a bigger picture of myself and who I am as a spiritual being. Instead of reacting like a pinball machine to things in my life, I actually feel as if I have choices.

*I feel healthier than ever. No colds or flu this year….

* Since I review my intentions every day, I am much more likely to act in congruence with them during the day after this reminder.

Having a daily practice has been very rich and rewarding and I heartily encourage people to design one for themselves and then create the support to make it happen.

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Yoga Training, Yoga Teachers, Yoga Instructor, Yoga Asanas

Popularity of yoga as ideal fitness mantra has spread all over the world especially to the countries like UK and Europe. People here are now very much aware of health benefits of yoga and looking for the ways to incorporate it into their fitness regimes. They are therefore preferring to learn yoga from certified yoga trainers who can well teach them the basics of yoga, yoga postures, yoga asanas, pranayama and breathing techniques to the perfection. As such there is good demand for certified yoga teachers in London and hence a career as yoga instructor in London really has a good scope.

A number of yoga institutes in London have now opened up in cities like London and Croatia offering yoga classes for those who wish to become yoga instructors. These yoga centres London offer yoga teachers training to take ones yoga practice to a deeper, more meaningful level so that they can teach others about the wonderful benefits of classical yoga. The intense training offered at these yoga classes helps one to strengthen their yoga practices through self-discipline and probe into the nature of mind, body and spirit, building a firm foundation to enable them to teach others intuitively and with confidence. These yoga training programs are designed to impart comprehensive knowledge regarding the physical, intellectual, spiritual and social aspects and effects of yoga to the students. The students are taught on how to communicate with their students, how to demonstrate, observe their students in the class to avoid injury during practice of asanas. Teaching various types of yoga like yoga for beginners, yoga for pregnancy, yoga for children, yoga for old citizens, meditation yoga to the students these yoga classes London impart training to mould an individual into perfect yoga instructor. All the students of these yoga training programs at end are offered with yoga training certification which gives them international recognition as trained yoga instructor. So do not wait join yoga classes London and jump into bright future waiting for you as certified yoga instructor London.

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Healthy Diet Plans-how To Stay Fit And Healthy Your Whole Life

Healthy diet plans do not mean that you should starve to remain fit and agile. Your diet plan has to be linked to your body constitution, your daily routine and your metabolism factor.

A healthy diet plan keeps you light, fresh and mentally active through out the day. While there are a number of theories about the contents of a healthy diet plan, modern research proves that your diet plan should encourage you to eat healthy and eat organic foods.

Your diet plan should include eating small and medium servings at least 4-5 times a day, as compared to 2-3 heavy meals. Small and varied servings throughout the day keep you content without a heavy feeling. It also helps you avoid getting that craving for mid-meal snacks.

Make it a point to include generous amounts of fresh fruits, green vegetables, whole grain cereals and milk products in your diet plan. Fresh and organic fruits are good source of vitamins, minerals and carbohydrates and develop your immunity levels. Green vegetables are rich in iron, calcium and minerals.

If you are a non-vegetarian, then fish and egg white can be taken to meet your protein requirements. Pulses, nuts, tofu and beans are a good option for vegetarians.

One major misgiving about a healthy diet plan is that fat needs to be avoided at all costs. Remember that fat is an important element for your body to function efficiently.

It is like oil to your body machinery. You need to take unsaturated fats available in olive, sunflower and corn and avoid the saturated variety, which is generally found in animal products and bakery items.

Also, keep an eye on your calorie intake. Your calorie consumption is linked to your activity level and structure. People leading a sedentary life style require less calories compared to those who are more physically active. Gradually reduce your consumption of calories, if you are taking more than you need. Do not bring your intake to less than 1200 per day or otherwise you will feel burnt out.

Thus, to follow a healthy diet plan, you need to think positively and be prepared to make changes in your life style and food habits. Moderation is the key to success, and balanced food is an important ingredient for healthy and happy living.

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Reasons to Include Health Supplements in your Diet

Health is definitely the most critical factor influencing an individual’s overall state of mind. It is almost impossible for us to feel good about ourselves if we don’t feel good from inside. People many times associate happiness with the amount of money you are drawing from your business or employer. However, even though money is an essential part of our lives, it cannot make us feel happy if we are not feeling the same way. Therefore, in order to live the life as we should, we need to ensure than we are fit and healthy.

When talking about health and the measures we need to ensure it, the prime requirement is to maintain a healthy lifestyle. You need to make sure that you take adequate quantities of the nutrients required for the human body such as vitamins, minerals, proteins, carbohydrates, etc, to ensure that the body stays fit and healthy. Although you may get your diet plan sorted out from a health expert; our fast paced lives do not allow us to manage our meals as we should. Even if we somehow take time out to have meals at set times; thanks to adulteration in food items, we still cannot be sure. Furthermore, there are certain substances we take in our food that cannot be digested properly by our digestive system.

All these factors contribute towards the necessity of adding some health supplements in our daily nutrients intake. Before buying a health supplement, it is strongly recommended that you either consult a healthcare expert or use any reliable web based resource to find out the exact supplements suitable for your body structure. Once you have the names or the suitable supplements, you can shop for these health products from any online store. Although online market is flooded with innumerable brands offering health supplements; however, you must always buy health supplements from trusted manufacturers such as Jarrow and Metagenics. These health supplements can be easily found at all leading online healthcare stores.

jarrow and metagenics both are health supplements that are very essential in our daily diet these supplements are also recommended by the doctor as well as health consultant to keep your body healthy. If you want to get more information on health supplements please log on to

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Assurant Names Healthcare Solutions Team Americas #1 Health Insurance Agency

Lombard, Ill.Healthcare Solutions Team has been named Americas #1 Health Insurance Agency for a second straight year by Assurant Health.

The award was given to the Lombard, Illinois-based insurance agency based on the companys annual sales with Assurant Health. Overall in 2012, Healthcare Solutions Team had an annual sales volume of more than $83 million, which was a nearly 20% jump over the prior year.

Working with valued partners such as Assurant Health makes growth a realistic opportunity for our company, said Grant Born, principal at Healthcare Solutions Team. Our goal has always been to find the best health insurance coverage for families, individuals and groups while staying within their budgets. With the changes in healthcare reform, having a variety of plans to choose from has taken on even greater importance.

Its easy to succeed when given the right tools, said Joe Eichman, principal at Healthcare Solutions Team. Our agents really can find a plan for everyone.

He added that Healthcare Solutions Team is continually listening to top producers, looking for ways to help them improve their performance. The companys LeadMaster system is one such innovation that drives results.

Healthcare Solutions Teams LeadMaster is the most advanced lead and client management system the industry has ever seen, said Born. With fully integrated auto dialing, bulk texting and email functions, it has never been easier to manage and organize our clients and prospects while keeping them informed.

Eichman agreed: We have added to an already dynamic technology, which allows Healthcare Solutions Team agents to out produce any other agents in the industry.

When they excel, the whole company thrives, he continued. We nurture all of our agents so that they become true partners and our advocates in bringing consumers the best, most affordable health plans available.

Grant Born and Joe Eichman created Healthcare Solutions Team in 2007 and since then the company has grown into one of the countrys premier health and dental insurance agencies. Based in Lombard, Ill., Healthcare Solutions Team has agents across the country who provide personalized solutions and optimized plans to fit each individuals budget and needs. The companys goal is to make affordable healthcare accessible to everyone.

Assurant Health, part of Assurant (AIZ), a Fortune 500 company and a member of the S&P 500, is the brand name for a family of health insurance products focused on providing a variety of affordable plan choices to consumers. The companys portfolio of health care products includes major medical, supplemental and fixed-benefit plans for individuals, families and small employers.

In addition to being named Americas #1 Health Insurance Agency by Assurant Health for two years in a row, Healthcare Solutions Team was listed in 2012s Inc. 500|5000 and has been named Americas #1 Career Health Insurance Agency and Top Key Broker by UnitedHealthOne, as well.

For more information on Healthcare Solutions Teamincluding career opportunitiescontact Jackie at (630) 261-3000 or . Or, visit the companys website at www.HealthcareSolutionsTeam.com.

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Make Better Use of the Waiting Room of Your Dental Clinic

Are you running a dental clinic yourself? Do you want to provide a healthy, happy and stress-free environment for your patients? So, making the waiting room as comfortable as possible is a good way. The more at ease they feel in the environment, the more likely they are to come back to the office. Here are some decoration ideas for your waiting room that may leave a deep impression to the patients. – Paint walls with a neutral color: a proper color of the wall can help patients remain calm. Colors like white and light blue are recommended. – Put things that help distract nervous: many people feel afraid and tense when going to a dental clinic. Hanging dentistry-inspired artwork on the wall, adding toys that children and adults can enjoy, placing magazines on counters, setting a fish tank in waiting room are all ways to reduce stress. – Keep the air fresh with plants: putting out green or aromatic plants can not only help make the air fresh, but also add life and color to the waiting room.

Besides the tips above, are there any other unique ways that can make the clinic waiting room more attractive and functional? Yes, placing a flat-screen television and a DVD player to play interesting programs can be a good idea. By doing so, patients can view programs freely. Also, you can make DVDs with special purpose for exhibiting. Here is a list of things you can show on TV through the DVD player: – Provide some common advices to help patients protect their teeth. Like brush correctly, eat teeth damaging foods sparingly, and don’t clinch or grind teeth. – Explain the whole treatment process clearly in case someone are not familiar with what to prepare in the waiting room. – List how you can provide the dental treatment service, and your contact information. – Share what new smiles said about your clinic, this can build good reputation for your clinic.

When making such DVDs, you may think it is a hard job. But if you have picked up a right tool, you can also do it easily even if you are a newbie to DVD making. Yes, all you need is PowerPoint and a PowerPoint to DVD converter. PowerPoint is powerful enough to create all kinds of stunning presentations due to the animation and multimedia abilities of it. After you finish creating the DVD content with PowerPoint, convert the PowerPoint to DVD with Wondershare PPT2DVD, and then you can play the presentations on TV through DVD player.

The waiting room of a dental clinic can be a place only for waiting, but also a place for communication and to promote your business. It all depends on how you make use of it. Just make the most out of the waiting room with your talent.

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Cheap Protein Supplements – Optimize The Selection Carefully

Everyone wants to live healthy. Since last couple of decades, the craze for having well developed body structure is on tremendous rise. Apart from it, modern life style full of mental and physical stress, has made it a necessity to make the protein supplements a regular part of daily diets. Seeing the increasing popularity and demand, many manufacturers offer cheap protein supplements also. These are equally good to any other reputed brand that falls under premium category; the cost difference is created by the manufacturers to capture lion share of market.

When we approach the drug or grocery stores or we surf the online stores, we come across wide range of protein supplements, each claiming to be most efficient, result delivering and free from side effects. It is very tough to select the right one out of wide range of cheap protein supplements. The right practice to select the good one that you really need is to consult with your medical consultant. Even then, if you have basic knowledge about the supplements and their primary gradients, you may optimize your selection better.

Creatine Monohydrate based supplements increase creatine levels in the body. It reduces fatigue, increases energy metabolism in muscle cells and enhances body’s stress bearing capability. Creatine works as high energy bonds in muscles and tissues that support ATP levels during muscles contraction.

Methoxyisoflavone based supplements decrease cortisol level, increase proteins synthesis, maintain nitrogen balance, improve recovery after rigorous exercise and keep the body in anabolic state. These very cheap protein supplements have anti-estrogenic properties. These have been proved very effective in elevating testosterone output. These substances stimulate the release of LH (luteinizing hormone) from pituitary gland.

Anabolic Protein Matrix based cheap protein supplements are formulated especially for the people who like to build their muscles to impress others. These optimize muscle growth. These should be used by the people under 18 years age. These protein supplements can be made part of diets to gain mass also; however, these should be used under the monitoring of medical practitioner.

Different protein supplements are formulated differently for specific purposes; therefore, one supplement that has been good to your friend may not be suitable for you. Every supplement takes time to deliver the results; so dont switch over from one to another quickly. Therefore, dont chase the popularity of protein supplements or dont get influenced with attractive advertisements. First decide your requirements and priority; then, select the one that is most desired.

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Helpful Tips For Choosing A Medical Answering Service

When most people go to medical school, they are not focused on the business end of running a successful medical practice. Most of the time spent in school training for the medical profession centers on learning about the human body and equipping you with the skills you need to provide top quality healthcare for those individuals who will be relying on you for treatment. What most medical professionals are not aware of is that they will not only be caring for their patients in the examination room, but they will need to be able to provide information and care for their patients practically around the clock. Rather than running yourself ragged trying to answer phones, make calls, and field questions from patients in need, you should consider hiring a medical answering service.

One of your top priorities is making sure that your patients are taken care of. When you are looking at a medical answering service, you want one that will be available to help answer patient questions around the clock, even after your office hours are over and closed for the night. Many of these call centers will provide healthcare solutions for physicians after hours so that if a patient has some type of an emergency and needs information or help, the professionals working at the center will be able to assist them fully.

One of the most important aspects to look for in a good medical answering service is HIPPA training. Nothing is more important than making sure that all of your patients medical information is kept safe, secure, and private. Look to make sure that all the professionals working for the company have received HIPPA training and that they have a deep understanding of privacy laws surrounding medical information. You also want a company that provides regular HIPPA training updates to make sure that employees are kept abreast of the latest changes that have been made to privacy laws. Make sure that you choose a company that has a high reputation for protecting private medical information, because if a leak were to occur, you and your practice will be held responsible.

Another big part of choosing a quality medical answering service is the price. It is important to have a budget and choose a company that will offer all of the services you need at affordable prices within your budget. In the long run, by hiring a medical call center, you will save money since you will not have to hire a person to be on permanent staff.