Alternatives to COBRA Health Plans

Might C.O.B.R.A. be a Big Mistake? Should you leave an employer, COBRA cover might be the right choice to insure your family. It may also be a very costly mistake. Knowing whether to or not to accept COBRA offer might save you a lot of money. C.O.B.R.A. can cost hundreds more each month when compared to similar non-C.O.B.R.A. insurance choices that may offer nearly identical benefits. (In many cases the benefits are better!) C.O.B.R.A. can be the best option when: Individual health coverage isn’t an option for you Private health care insurance would cost significantly more You are assured acceptance into a healthcare insurance plan when COBRA ends If you or a family member has a significant medical issue, accepting your C.O.B.R.A. option can be your best and only viable choice. Private medical care coverage may not be available to you and your C.O.B.R.A. medical care coverage plan will probably cover the medical condition. Usually COBRA medical insurance costs more than a similar policy available to those who acquire their coverage directly. This is because C.O.B.R.A. is an extension of your eligibility for your company’s group healthcare insurance plan and group healthcare insurance usually costs more than individual and family healthcare insurance. However, in certain situations, C.O.B.R.A. will cost less than a policy that you can purchase on your own. If that difference is great enough, you might want to consider the COBRA option. If you’re guaranteed acceptance into a reputable health insurance policy when your COBRA eligibility ends you avoid the biggest pitfall of COBRA healthcare insurance cover. Often people who are perfectly healthy when they sign up for C.O.B.R.A. won’t be when their eligibility ends. This can mean that their home or other assets are used to pay for health bills that are incurred after their COBRA plan ends. COBRA might be a pricey mistake. This is because accepting COBRA now could mean that you won’t qualify for other insurance when your COBRA ends. COBRA could cost you more than a individual and family healthcare insurance plan. The biggest problem with accepting C.O.B.R.A. isn’t the cost when compared to a similar private health care insurance policy. The biggest problem is the tens of thousands of dollars you could have to pay out of your pocket for health care after your COBRA ends. C.O.B.R.A. will typically end 18 months after your job ends. If you will be eligible for Medicare when your C.O.B.R.A. ends, this issue shouldn’t concern you. However, there is always the possibility that you will develop a serious medical condition during the time that you’re covered by COBRA. This might cause any new health assurance company to reject your application. Many people fail to even check prices for other health cover options. COBRA medical insurance is often the most expensive option. COBRA can cost twice as much as a individual and family health coverage policy! Often companies offering COBRA will also offer individual and family policies that don’t have the restrictions that you will find with their COBRA option. Be sure to check with them and also to check with some of their competitors. COBRA coverage might be an excellent choice in certain situations. However be sure to investigate different options because purchasing COBRA. Doing so can keep you from making an expensive error. Published at: https://www.isnare.com/?aid=812936&ca=Finances

Alternatives to Not Having Health Insurance in Texas

There are people that reside in the great state of Texas that still cannot get or find health insurance. It is very important to have health insurance in Texas for various reasons. However, there’s no need to despair. There are alternative resources that you can use to get some kind of help with your health care. Here’s what you can do to get health care if you can’t get Texas health insurance One place you can go if you don’t have health insurance in Texas is a clinic that services a surrounding community. Many times they take in people that need health care, but may not have health insurance here in the state. You will be able to get quality care, but at a reduced cost. You would get some of the same benefits and medical services as you would if you did have health insurance. You would be charged on a sliding scale, based on your ability to pay. You can check online for more information about these kind of clinics. If you don’t have health insurance in Texas and you are admitted in the hospital as an inpatient, there are avenues available where you can get assistance with your hospital bills. Keep in mind that you will have hospital bills, even with no health insurance. Depending on what kind of hospital you go to, there are some that are non-profit that can assist in clearing some of the debt. Hospitals that are non-profit based can do that because of what they stand for and because of their tax bracket. There are other hospitals that have programs that provide financial assistance. In addition to that, the federal government has mandates that can help you get rid of your hospital debt. Even though you will receive a bill for services rendered, you will still need to attempt to make a payment towards it. The hospitals have a financial aid department with counselors and advocates that can assist you. They will be more than happy to adjust your bill or implement a payment plan for you. By not having health insurance in Texas, it is crucial that you try to implement some type of plan to pay off the hospital debt. Another thing that can add to the cost of health care is the cost of prescription drugs. In the state of Texas, there are programs that will assist you with your prescriptions and other related expenses. Check for websites that can assist you in finding venues that can help you with the costs of your prescription drugs. This is a good idea, especially if you have a lot of drugs to take for your medical condition. Not having health insurance in Texas is not a total loss. You may be able to get prescription drugs for free or at a discount rate. There are programs that are sponsored by some of the major drug companies in order to get what you need. Pfizer and Merck are two of the companies that will help people without health insurance get what they need. If you are a veteran and don’t have health insurance in Texas, you may be able to get medical care by going to one of the VA’s medical facilities. The requirements for this are if you served on active duty and received either a general or honorable discharge. You will have to contact the VA facility in your area to get additional information. Published at: https://www.isnare.com/?aid=324568&ca=Medical+Business

Texas Health Insurance Has Alternatives

People who have an employer sponsored health insurance plan in Texas and then lose their jobs do not have to go without health insurance. The bad news is that it will cost you more since your employer will not be covering part of it. Health insurance in Texas for people between jobs is covered by COBRA. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This insurance is controlled federal government and must be offered to employees that lose their jobs so that they may have continuous coverage while they look for a new job. Basically, the employee keeps their same insurance, but now has to pay the entire bill, whereas before the employer was paying half of it. With this health insurance in Texas you and your family remain covered while you are unemployed. COBRA can be used for up to18 months for the employee and 36 months for your spouse and children. Losing your job does not have to mean losing your insurance. Insured persons are eligible for COBRA when they leave the employment of a company with more than 20 employees. If the employee is on disability and gets Medicare their spouse and children may still qualify for COBRA coverage. You must choose to extend your health care coverage with COBRA within 60 days of leaving your job or you will forfeit these benefits entirely. Those that opt for this health insurance in Texas will pay the entire insurance premium along with any additional fees. Continuing your HMO health insurance coverage is an option when you choose COBRA after terminating your employment. You must check your policy and be sure to use only the doctors in your network or you may only get emergency treatment covered. Texas has a law about health insurance coverage that calls for a continuance period which is usually about 6 months. This continuance period begins after the COBRA coverage ends. If you are eligible for the continuance, but prefer COBRA your coverage may last for up to 2 years. According to Texas law most health insurance carriers must allow for a group continuance period for people who no longer qualify for the other plan. This applies to people who should have been covered under the group plan. When using this health insurance in Texas, the group insurance coverage continues as long as payment is made on time. COBRA is not the only option for people who lose their jobs. Texas has what is known as the Health Pool. People who don’t qualify for new health insurance coverage due to a pre-existing condition may qualify for this kind of health insurance in Texas. This will allow for the most vital medical needs to be taken care of, although the coverage may not be as extensive as a regular health insurance plan. There are several factors that will determine whether you qualify for the Health Pool; Medicaid or Medicare: or perhaps using COBRA is the best option for you. You may wish to discuss your options with a social worker to see which would work for you. Published at: https://www.isnare.com/?aid=334721&ca=Finances

Health Insurance Alternatives For The Uninsured

Recently, I read an article in this publication, “The Middle-Class Struggling with Health Insurance.” Health insurance costs are certainly an issue for everyone today, especially the self-employed and those working for small companies. Many companies are trying to cut costs and those cost-cutting measures may eliminate employee health coverage, forcing employees to find coverage on their own. Consequently, many employed individuals and families are now facing the same challenge small business owners have been facing for years—finding affordable insurance. The nation’s uninsured population of approximately 45 million has risen dramatically in recent years. According to Todd Stottlemyer, president of the National Federation of Independent Business in recent testimony before Congress, nearly 63% of the uninsured are small business owners or employees of small businesses. Many uninsured are unaware of an alternative to costly individual health polices. Individual policies, unlike group health insurance, have premiums based the risk factors of the particular individuals covered by the policy, meaning the risks are not shared by a large group, making the polices much more expensive than group insurance. Without knowing about alternatives to individual polices, many will simply elect to forgo health insurance once confronted with the enormous costs of individual health coverage. Individual polices not only are expensive, they limit the insured’s ability to design a plan that meets their needs. Individual health polices are usually “off the shelf” polices that have set coverage. In addition, many who leave a corporate position and enter business for themselves are shocked at the real cost of health insurance. While in their previous position, their employer was paying a portion of their premium. What they paid wasn’t the premium for their insurance, but a percentage of the premium. When faced with the reality of having to pay the full premium themselves, many refuse, leaving themselves and their family uninsured. Health insurance costs are undoubtedly rising. The cost of healthcare continues to increase, from the cost of visits to the doctor, hospital costs, pharmaceutical costs, emergency care, and all other aspects of healthcare. Yet, perceptions about healthcare and insurance have not changed. People want the freedom of self-employment, or to work for a small company, but they want the same benefits and costs they have become used to when working for a major corporation. The self-employed and those working for small companies must rethink their concept of health insurance. Health insurance, like auto insurance and home insurance, is designed to protect against catastrophic loss, not for every sniffle. Rather than viewing health insurance as a go to the doctor free card, health insurance should be viewed as protection against disaster. Home insurance doesn’t protect against losing a single shingle or two. It protects against catastrophic roof damage. Auto insurance doesn’t protect against dings, minor dents and flat tires, it protects against significant loss due to accident, fire, theft, or other damage. Health insurance should be viewed no differently for the self-employed. It is protection against major loss, not minor dents and dings. In addition to a change in the way health insurance is perceived, uninsured people, whether self-employed or working for a company that doesn’t provide a group policy, have alternatives to the costly individual policy. Joining a group to purchase health insurance through business or industry associations cannot only reduce the cost of the health insurance policy; many times the individual has the freedom to design a plan that works for them and their family. Moreover, association policies are typically available to both self-employed and employed individuals and families. Calynn Colceri, a hair stylist, had an individual plan through a well-known national company. She had bought her individual “off the shelf” plan based solely on price. She was unhappy with the coverage, which didn’t meet her needs and she was distressed that the company increased her premiums on a regular basis. By showing her a group plan through an association, I helped her design a plan that meets her needs precisely, expands her coverage in many areas, and is cheaper than her individual policy. Not only have her premiums decreased and her coverage improved, she has also gained a number of additional business benefits that directly affects her business through her association membership. If designed correctly, self-employed individuals can also take tax credits for their deductibles, dental, vision and other medical expenses, up to 100% of the costs, further reducing the real costs of the health insurance. To determine how much, if any, tax savings one would be eligible for, a tax professional should be consulted. Although a serious issue, health insurance can be a manageable expense for most Americans. Certainly, it may require a new mindset regarding the use of insurance, but if approached rationally and by seeking out group alternatives to the individual health policy, health insurance need not be the financial monster it is perceived to be. Published at: https://www.isnare.com/?aid=182063&ca=Finances

Health Alternatives

Paying for health care can consume a large portion of an individual or family’s disposable income. Some costs are non-negotiable but there are ways to lower the amount you spend on insuring your health. Deductibles You may be able to pay a lower premium by paying a higher deductible. This is particularly true if you are insured as an individual rather than through your employer. If you choose this option it is wise to place a portion of the money saved on your premium into an account which is used solely to pay your deductible. Co-pay amount Many companies have lower premium policies available for those willing to make a higher co-payment when they visit the doctor. Opting for a higher co-payment can be especially advantageous for people who don’t often visit the doctor. Generic drugs Generic drugs are manufactured to the same standards as brand name drugs. Choosing to have a prescription filled with a generic drug can offer substantial savings over having it filled with a brand name drug. Healthy living programs Many insurance plans offer pre-emptive health care services which are entirely funded by the insurance company. Employee plans often do this as a way of avoiding paying for higher priced services later on down the line. Programs may include free immunizations, mammograms, prostate exams and general physicals. Paying a portion of monthly health club dues is also available on a few plans. Be sure to take advantage of these options if possible. Remember, while health insurance premiums are high the peace of mind brought by knowing you and your family are insured is priceless. Gathering as many quotes as possible is the best way to learn and compare companies. Please view our recommended sources for insurance quotes online. We have done the research so that you don’t have to. This site is powered by the largest online insurance broker in the world. With more brokers competing you save. Published at: https://www.isnare.com/?aid=34437&ca=Finances

Alternatives to Not Having Health Insurance in Texas

There are people that reside in the great state of Texas that still cannot get or find health insurance. It is very important to have health insurance in Texas for various reasons. However, there’s no need to despair. There are alternative resources that you can use to get some kind of help with your health care. Here’s what you can do to get health care if you can’t get Texas health insurance One place you can go if you don’t have health insurance in Texas is a clinic that services a surrounding community. Many times they take in people that need health care, but may not have health insurance here in the state. You will be able to get quality care, but at a reduced cost. You would get some of the same benefits and medical services as you would if you did have health insurance. You would be charged on a sliding scale, based on your ability to pay. You can check online for more information about these kind of clinics. If you don’t have health insurance in Texas and you are admitted in the hospital as an inpatient, there are avenues available where you can get assistance with your hospital bills. Keep in mind that you will have hospital bills, even with no health insurance. Depending on what kind of hospital you go to, there are some that are non-profit that can assist in clearing some of the debt. Hospitals that are non-profit based can do that because of what they stand for and because of their tax bracket. There are other hospitals that have programs that provide financial assistance. In addition to that, the federal government has mandates that can help you get rid of your hospital debt. Even though you will receive a bill for services rendered, you will still need to attempt to make a payment towards it. The hospitals have a financial aid department with counselors and advocates that can assist you. They will be more than happy to adjust your bill or implement a payment plan for you. By not having health insurance in Texas, it is crucial that you try to implement some type of plan to pay off the hospital debt. Another thing that can add to the cost of health care is the cost of prescription drugs. In the state of Texas, there are programs that will assist you with your prescriptions and other related expenses. Check for websites that can assist you in finding venues that can help you with the costs of your prescription drugs. This is a good idea, especially if you have a lot of drugs to take for your medical condition. Not having health insurance in Texas is not a total loss. You may be able to get prescription drugs for free or at a discount rate. There are programs that are sponsored by some of the major drug companies in order to get what you need. Pfizer and Merck are two of the companies that will help people without health insurance get what they need. If you are a veteran and don’t have health insurance in Texas, you may be able to get medical care by going to one of the VA’s medical facilities. The requirements for this are if you served on active duty and received either a general or honorable discharge. You will have to contact the VA facility in your area to get additional information. Published at: https://www.isnare.com/?aid=324568&ca=Medical+Business

Can Health Alternative Magnetic Therapy Healing Help You?

There are many people that are suffering with pain on a livelihood, but you don’t have to just deal with it because there is a manner to help you alleviate that pain. It is known as health alternative magnetic therapy. There are millions of people all over the world that are using these methods of alternative medicine to help them reduce the pain that they feel on a daily basis. So, will these types of alternative medicine help you?

The answer is; you won’t know if magnetic therapy will be effective for relieving your pain until you have tried it. This types of alternative medicine is very effective for most people, plus it is safe and natural, which is a big benefit of magnetic healing. This form of therapy has been used for many centuries and today it is gaining in popularity and effectiveness.

Magnets being used to treat pain in your muscles or joints are something that more and more people are doing these days because you don’t have to take medicine and it doesn’t cost a lot. There are many different quality magnetic therapy products that you can prefer to use as well, so this makes it more convenient and effective for anyone.

Health alternative magnetic therapy is an effective and safe way to help your body heal so it can be restored to its natural healthy state. The medical magnets will work by helping the chemicals in your body get to the areas that are affected by the pain, inflammation or swelling. The inflammation and pain is relieved because the affected area will get the oxygen and nutrients it needs.

It is vital that you talk to your doctor before you start using magnetic therapy healing. It is safe to use, but it is not for everyone. If you are pregnant, have a pacemaker, defibrillator, insulin pump or other implants, and then you want to make 100% certain that it is safe for you to use magnet pain relief therapy. Hence, positively talk to your doctor before you make any decisions or try this alternative medicine treatment for yourself.

Magnetic therapy healing is one of the best ways to relieve your pain, but you have to make sure you learn all you can about it before you use it. You don’t want to use it only to learn that you are one of the rare people that it won’t help. Therefore, research magnetic therapy information online, talk to your doctor about it and learn the benefits of alternative medicine of how it can help you.

Zahari Ibrahim A.K.A Zaharey the magnetic therapy user now is stay in Malaysia and who has expended a vast amount of researching the special methods for magnetic healing. Find out why magnetic therapy healing great for you and the alternative medicine review for your assistance. Please visit: => http://www.magnetic-therapy-greatness.com

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Pure Spirulina Powder – Best Health Alternative

Pure spirulina powder is comprised of all the basic nutrients that are indispensable as the concept of treating any cardiovascular ailments or any heart disease. They act as a basic source in generating blood cells. It helps in lowering the cholesterol level from your body and at the same time it also helps in preventing any problems that are associated with your liver function or kidney as well. The basic motto behind the use of such powder is to retain the functioning procedure of your immune system. Spirulina are basically cultivated in manmade habitat and they grow best in frozen lakes that were once harvested. As salt water is essential for the cultivation of the green algae which stands to be the basic ingredient for manufacturing powder as a result salt water is essential for proper cultivation.

Such supplement is available in the market in the form of tablets, powder and flakes respectively, which are sold at a large scale. As pure spirulina powder are considered to be a health alternative it is sold widely as an elegant drug. It owes its color from its original source that is the blue green algae out of which it is manufactured. It is comprised of blue colored phycocyanin as well as green chlorophyll. Chlorophyll plays an indispensable role in the functioning of the blood circulation in your body. As a result of which it acts as an agent that serves your body with adequate oxygen that is required. This in turn helps in the regeneration of the blood cells in your body. It is quite a common fact that our parents insist us to eat vegetables owing to the fact that they are a good source of nutrients. It acts as a substitute for such mineral content and hence it is essential for your body.

Spirulina is best known for its ability to boost the immune system, and research indicates it may even help both treat and prevent cancer. try spirulina wholesale at http://purebulk.com/spirulina-powder

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Do Your Body a Favour Naturally – Natural Health Alternatives

You live a busy, hectic life. There’s never enough time left in the day to do everything you think you need to do. Your job, family and extra curricular activities keep you going at a pace that often can result in over-load, causing your body to very often rebel and simply not work as well as you are capable.

Your body does so much for you and should be treated with respect, so why not return the favour. Natural health is one of the ways you can learn to appreciate all that Mother Nature has to offer in the ways of ingredients that help your body.

Natural health is also about being pro-active; taking charge of your own health, life and destiny. You need to understand that if you want to be happy and healthy for years to come, then you must be dedicated to making your life and especially your body healthy.

Living healthy is not about being a health freak, but about becoming health-conscious. It is about making the lifestyle work with and for you. To truly appreciate what natural health has to offer, consider investing in a natural health book and some good natural food cookbooks.

If you have been living the junk food and quick meal life, then you will need to incorporate vitamins into your natural health regime; to be successful in this, you will need to obtain knowledge on what vitamins your body lacks.

Through your research on natural health, you will quickly discover that there are many options open to you to help you in your aim of living the natural health way. Natural health also means incorporating more naturalistic solutions into your life. You will be able to enjoy the pleasures of life with a body that functions at its optimum at all times.

And if you are truly dedicated, you will succeed, and the best part is that once you start living better, you start feeling better; and that is crucial in dealing with everyday stresses and depressions.

Take time out of your busy, hectic life to learn more about living a healthy lifestyle by incorporating natural health alternatives to your daily routine. Your body works hard for you, and it’s time to return the favour.

Sherry Frewerd publishes websites on various subjects from recipes to mineral makeup to toddler learning. A nature girl at heart, Sherry believes in the benefits of natural mineral makeup and skincare. Stop over to http://naturalyoumineralmakeup.com for some helpful and fun natural remedies, tips and product suggestions. Forget the Botox, talk to Mother Nature today!

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Camel Milk – The Health Alternative To The Cow

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Expert Author John Michael Higham

When, in 1970, the then UK Secretary of State for Education Margaret Thatcher abolished free school milk in schools instead of being branded ‘Thatcher the milk snatcher’ she might have actually been applauded for doing children a huge favor.

According to Angela Epstein of the UK Daily Mail Newspaper studies in Finland have suggested children in later life may be vulnerable to insulin dependent diabetes after exposure to cow’s milk. In 2008 Sharjah University in the United Arab Emirates joined up with Baghdad University to investigate the rejuvenating properties of Camels milk on the immune system and initial findings seem positive especially in the fight against cancer. There are also frequent reports of allergic reaction to bovine milk and lactose intolerance is very well documented. Today there are alternatives, most recently being the emergence of milk from the Camel, although this white bluish elixir has been known by Middle Eastern Bedouins for its medicinal properties for centuries and the Cushite people of Kenya have long favored Camel milk over that of the cow.

The Camel has lower fat and cholesterol content in its milk, contains ten times more iron and three times more vitamin C than cow’s milk. Some research suggests that Camel milk contains up to 52 units of Insulin for every one liter of milk which could lead to a reduction in the need for insulin in diabetic patients. Most interestingly in Autism there are reports of increased verbal skills, sleep patterns and improved interaction with others. This being the case perhaps the revered Camel can improve the overall wellbeing of mental health patients given the known link between poor sleep and depression. Caution should however be shown when considering drinking unpasteurized milk as it has been shown to cause brucellosis, a disease which causes sweating and muscle pain.

Today Camel milk has started limited production in the USA after the efforts of Doctor Millie Hinkle of the American Camel Coalition to convince the FDA of its health benefits. The United Arab Emirates has been commercially producing Camel milk since 2006 and there are moves to export camel milk in powdered form to Asia following inspection by European officials. In the United Kingdom Camel milk will soon be available to the general public, all be it in specialist stores and the fast food giant Burger king is already stocking the product in certain outlets within the UAE.

Health nutritionists and other health care professionals in particular nurses can, where appropriate, play an important part in discussing alternatives to cow’s milk with their patients. Hospital canteens could introduce Camel milk into their ‘healthier alternative options’ menu. The public needs to be able to make informed decisions about food products including any potential health concerns; this is where health care professionals can make a real difference – by providing that information.

Article Source: http://EzineArticles.com/expert/John_Michael_Higham/1173173