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Health Facts

Denied Health Insurance – What to Do If You Are Denied

You never think about it until it happens to you. You apply for health care coverage fully expecting that you will be covered. Instead, you get a letter or an email informing you that you have been denied health insurance. There are a number of reasons why an insurance provider would deny you coverage. Possibly the top reason is because of a preexisting condition. However, other reasons, such as being overweight and even poor credit, can cause a provider to reject your application. Being denied insurance is not the end of the world. You have several recourses available to you that can help you get the insurance you need.
Talk to the health insurance provider to see why they rejected your application for insurance. Generally, the insurance carrier will tell you why you were denied health insurance. If it is something you can fix, such as being overweight then work on correcting the issue. However, if it due to a preexisting condition, then you will need to take other action. Ask the insurance company if they will insure you based on a contingency, such as a waiting period before they cover the medical bills for your condition.
Another option is to check with other health insurance providers. Each insurance company has their own guidelines when it comes to underwriting a policy. Even though one company may have rejected your application does not mean you will be denied health insurance at all of them. A good way to find out who is willing to extend coverage to you is to visit a website that allows you to get quotes from multiple insurance companies at the same time. Instead of wasting time filling out several applications, you will only have to enter information once and the insurance companies will advise you of their answer. This will save you a lot of time.
If you are still having trouble getting standard insurance from carrier, see if you will qualify under a different type of plan. There are several types of insurance plans you can sign up for including HMO, PPO, Point of Sale, Fee for Service, High Deductible Health Plans, and Catastrophic insurance. You may not get the exact coverage you need but having some coverage is better than being completely uninsured. Lastly, if you continue to be denied health insurance from private insurers, contact your local government assistance office to see if you qualify for a government funded program.
If you need assistance in locating particular coverages at a pre-determined price, we can help you find a reduce health insurance premium today.…

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Health Food

Vitamin D: Check Your Levels, Avoid Illness

All summer long as sun hits our skin, our body transforms the sunlight into vitamin D. Our body stores much of that vitamin D, but as we stay holed up in the winter or face the cold outside in hats, scarves, and mittens, our vitamin D levels decline. Low levels of vitamin D may wreak havoc on our brains and we may develop depression. Low vitamin D may play a role in cancer as well.
Should you take a vitamin D supplement to avoid disease?
As with all nutrients, our vitamin D status is individualized. You may not need vitamin D at all and supplementation may cause a vitamin D overload. If you have lighter skin, you tend to make more. If you have more sun exposure, you make more. If you are obese, you need more. If you do not eat foods high in it or fortified with it, you need more. The surest way to know if you are low in vitamin D is to test for it.
Check Your Vitamin D LevelsIt has not always been possible to get a clinical test of your vitamin D status. Doctors had to rely on your body signs of deficiency which is a blunt measure at best. Today’s technology allows us to get a reading of our vitamin D levels. In fact, such tests are easily ordered from the Internet and administered right in our own homes by putting a spot of our blood on the test kit paper. We send in the test kit for a vitamin D reading and receive our results in the mail. We can use that reading to determine, first, if we are deficient and would benefit from supplementation and, second, to track our progress after we have begun a supplementation regimen.
Baseline Vitamin D TestYou will receive your baseline vitamin D results with some basic information about what vitamin D levels are “normal.” There is actually a great deal of controversy over what a “normal” level is. Typically the labs that administer the vitamin D tests are on the aggressive side. Many doctors will be on the more conservative side suggesting that a low test result is actually a “normal” one.
As consumers, it is difficult to know which interpretation to follow, but history appears to be supporting the side of more aggressive supplementation. Government recommendations on daily intake of vitamin D is going up, not down.
In any case, follow the recommendations from your lab report and make sure you stay out of the “low” end of the spectrum.
Track Your LevelsAfter your initial test, you want to continue tracking your vitamin D levels, every three months to start, then every six months to one year. You track your levels to make sure your supplementation regime is effective and also to ensure that you do not take too much vitamin D.
Vitamin D in large doses is toxic. During the summer months, in particular, if you are in the sun a lot, you could end up with vitamin D overload if you continue your supplementation. When sunshine hits your skin, you body produces vitamin D. You cannot overdose on vitamin D from sunshine — your body will make enough for your current needs and store some for the winter time. If you are taking a supplement on top of sun bathing, you could end up with too much. Do track your vitamin D status to avoid any future problems.…

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Health Food

Health Care Reform For Small Business – Professional Employer Organizations (PEOs) To the Rescue

Professional Employer Organizations offer a one-stop solution for companies averaging 5 to 100 employees. They provide HR consulting, employee benefits, payroll, workers comp insurance, and many other employer-related services. As more regulations are created, and managing them becomes more difficult for employers, the PEO value proposition become more attractive.
2010
A� Small business tax credit – This tax credit is applicable for businesses with less than 25 full-time employees with an average wage below $50,000. The maximum credit equals 35 percent of the employer’s contribution to health insurance premiums, but it is unlikely the maximum credit will be applied. Calculating exactly what an employer qualifies for is an extremely sensitive process.
How PEOs help:
PEOs proactively consider whether their clients qualify for the credit and pass the total amount directly to the client. Since most PEOs manage their clients’ payroll and insurance plans, calculating the credit amount is much easier.
2011
A� W-2 provision – Employers must report the aggregate cost of employer-provided coverage on employees’ W-2s for informational purposes.
How PEOs help:
PEOs manage all aspects of their clients; payroll and benefits, so complying with this provision is synergistically efficient – the amount will be shown on all PEO work-site employees’ paychecks.
A� Wellness Grants are available for businesses with fewer than 100 employees to assist in implementing employee wellness programs. There is $200 million dollars that will be distributed over a five year period.
How PEOs help:
Since many PEOs partially self-insure their health insurance policies, they have always had a vested interest in proving their clients’ employee easy access to wellness programs. Most PEOs have long offered robust wellness programs that help employees live healthier lives, and consequently, make less medical claims – which is cheaper for everyone.
In 2013
A� FSA limits – all employee contributions to the FSA or Flexible Spending Account are limited to $2,500 per year. The penalty for using Flexible Spending Accounts incorrectly will be an increase from 10 percent to 20 percent.
How PEOs help:
PEOs manage all aspects of FSA administration for their clients – all FSAs offered to client employees will be adjusted seamlessly to comply with this provision.
A� Tax increases – Medicare payroll tax increase of 0.9% on self-employed individuals and employees with respect to earnings and wages received during the year above $200,000 for individuals above $250,000 for joint filers will go into effect. The new tax does not change the employer’s tax obligations, but self-employed individuals are not permitted to deduct any portion of the additional tax. In addition, there will be a new 3.8% Medicare contribution on certain unearned income from individuals with AGI over $200,000 ($250,000 for joint filers).
How PEOs help:
Professional Employer Organizations are responsible for deducting and filing all payroll taxes to the appropriate governing body. Unlike a payroll service, PEOs are often responsible and liable for calculating and deducting the proper amounts.
A� Notices & Fines
1. Plan sponsors must supply participants at enrollment or re-enrollment a new form of plan summary that must include information on benefits, exclusions, and cost-sharing requirements. Those that do not comply with this provision are subject to a noncompliance fee of $1,000 for each failure.
2. Employers must provide a written notice regarding the existence of the Insurance Exchange and that the employee might qualify for subsidies by March 1, 2013.
3. Plan sponsors will be required to provide an annual statement to the government and covered individuals reflecting the months during the calendar year for which the individual had “minimum essential coverage”. Those that do not comply with this are subjected to a noncompliance penalty of $50 for each missed statement to an employee to a maximum of $100,000.
How PEOs help:
PEOs are often the plan sponsor for all their clients’ healthcare, unless they “carve out” benefits, which would mean they are not the plan sponsor, and the client maintains their own health insurance. Should a client be receiving healthcare through a PEO sponsored plan, each of these mandates falls squarely on the shoulders of the PEO. Notice the trend, due to co-employment, many of the additional requirements put forth by health care reform are burdens for the PEO.
2014
A� State-based insurance exchanges open – State-based insurance exchanges are planned to pool employers together into one large group much like PEOs have done for years in order to reduce overall premiums. However the exchange program has been attempted in other states and has not had the same success that PEOs have had. As with many public programs, cost-efficiency and timely service is inferior to that offered by private entities. We don’t foresee this principle changing.
How PEOs help:
PEOs have long pooled employers together for cooperative purchases of many items including health insurance, the result is lower cost. There is …

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General Article

Everyone Should Learn More About Vitamins And Minerals

Your body needs vitamin and mineral supplementation to perform properly. Your body is fueled by carbohydrates, but vitamins keep your systems functioning. Both the food you eat and the supplements you take are important for proper nutrition. Keep reading to learn some more about eating right.

Vitamins are essential in helping you get the most from your exercise plan. You’ll feel better, look better, and burn fat at higher rates.

Do your best to consume a balanced, nutritious diet to make sure that you receive the vitamins and minerals you need. Fruits and vegetables are the best things to add to your diet. If this is not possible for you, mineral supplements and vitamins may be for you.

Calcium helps build and maintain strong bones. You need to have lots of vitamin D to absorb calcium, though. You can give yourself vitamin D through foods, supplementation and direct exposure to sunlight. Any one of these helps you get more calcium into your system.

Iron is a key component for building red blood cells. These cells transport oxygen to areas of your body. Women generally need more iron than men, which is why there are some iron supplements that are just for women. You may be iron deficient if you feel exhausted or have trouble breathing.

At a time when health care is expensive, promoting good health is important and adding daily vitamins is a good start. The addition of vitamins to an already healthy diet maximizes health for less money than a visit to a physician.

Vitamin A is crucial for your body. It keeps your immune system healthy, helps out your eyes, keeps you looking younger and cuts back on your chances of heart disease. It may be toxic if too much is taken, so stay within the daily dosage that is recommended. That amount is 2300 IU, or International Units. Carrots are one of the best sources for Vitamin A.

Today, it is very important to add a high quality vitamin and mineral supplement to your daily health routine. Processed foods just don’t offer us what we need. You can, however, make up for what is lacking in your food by taking a multivitamin tablet.

If you are in menopause, it is not a good idea to consume prenatal vitamins. Sometimes, women will take these vitamins to help make their nails and hair grow longer. This is not a great idea for postmenopausal women because they are typically too high in iron.

There are many places to find Vitamin C, including tomatoes and citrus fruits. For those whose diets are vitamin deficient, supplements are great. Vitamin C can help with skin infections, stomach ulcers, acne, colds, and gum disease. It can also help anyone who has ADHD, Alzheimer’s disease, and dementia.

In conclusion, in order for the body to function each day, it needs minerals and vitamins. It is important not only for children, but adults too. Remember the helpful tips shared here and keep your body healthy.…

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General Article

How To Choose A Doctor To Treat Your Depression

With everything we go through in our day-to-day lives, it’s very easy to start feeling depressed. Sometimes, though, it becomes very tough to pinpoint the true cause of depression, which makes it even harder to find a good solution that can get you feeling better. This article can provide you with the information to help you understand what is causing your depression, and what you can do to feel better.

Do not let your depression control your social life by keeping up with normal social outings and activities. If you are feeling down and depressed, you might not feel like doing the things you normally do. Regardless, you should strive to do them anyway. Maintain your normal daily activities. If you avoid them, it can add to the severity of your depression.

Try to catch a few rays of sunshine every day. Research has proved that depression is worse when there is lack of exposure to sunlight.

If you are experiencing depression that is not very severe, you might want to consider over-the-counter treatments. Try something like grape juice combined with St. Those who regularly consume grape juice or St. Johns war are known to have better moods. It’s cheaper than most prescriptions, too.

You aren’t crazy. Depression is just as real as any other illness. Whether from a chemical imbalance or emotional issues, the effects are real. When your body needs help, depression can be an indication it is overwhelmed.

With depression there are many causes. Try to find the root cause of your depression. If you have an idea of what is causing the problem, you can either go about eliminating the cause or deal with them in a different way.

Dress well in order to feel more confident and lighten your mood. Wear an attractive outfit and go out. It doesn’t need to be a special occasion, just going out will make you feel better. How you look when you are around others will help to lift your spirits, and make you feel better about yourself.

If you’re clinically depressed, don’t expect it to vanish overnight. This is going to be a hard fought battle that takes time to win. So make sure that you are prepared by learning all that you can.

You need therapy in conjunction with medications. Speak with a professional to help with your mental condition. Personal and social friends are never an adequate substitute for professional counseling, regardless of how well they mean to help you.

When feeling down, don’t drink alcohol or take drugs. When people suffer from depression, they often think that drugs or alcohol will make them feel better, when in fact, it is just doing them more harm then good. Prolonged dependence on chemicals can lead to a host of other problems.

As you have already learned from this article, there is a lot that can cause you to become sad and depressed. But, by applying some or all of the tips and overall advice about why you may be feeling depressed to your situation, you may be one step closer to being your happy self once again.…

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General Article

Curious About Tinnitus? Read More In This Article

Read this article to learn the best ways to deal with tinnitus. The information and techniques in this article can help you alleviate or eliminate your tinnitus.

Stay away from situations where there are loud noises. If you can’t, such as when you’re at work, wear earplugs. A lot of the time tinnitus is created by the exposure you have to loud noises. Continuing that exposure to loud noises will damage you ears even more severely. It also prevents further attacks of the existing tinnitus.

Establish a bedtime routine to help you relax. Tinnitus interferes with sufferers’ ability to get to sleep and stay asleep. A calm, tranquil routine before you go to bed can help you remain on a strict schedule. A little bit of deep breathing following a few easy stretches is a great way for you to get ready to go to sleep. These activities not only help you relax, about also help lower blood pressure.

Allow yourself only 15 minutes to fall asleep. If you have not fallen asleep, get out of bed and leave the room. Don’t do anything overly vigorous! Instead, engage in an activity that relaxes you. By teaching your body that you only sleep in bed, will help prevent tossing and turning.

Cognitive behavior therapy can help to reduce the effects of tinnitus. One way to deal with tinnitus is to consciously disengage from constant attention on it. Speaking with a therapist will allow you to let out your anger, which could be causing your tinnitus. This helps you cope with it better. You will experience greater joy as you gain mastery over your tinnitus.

It probably won’t help, but it can’t hurt to have your ears cleaned by a doctor if you are experiencing tinnitus symptoms. Using Q-tips at home only compresses the wax in your ears most of the time, so most people have an excess of ear wax and don’t even realize it.

You may want to consider installing a sound generator close to the head portion of your bed. Sound generators are characterized by a much better quality white noise than you could imagine. This serves as a better diversion from the symptoms of your tinnitus. This wonderful mental switch opens the door to a good night’s sleep.

If tinnitus is causing you stress, try to meditate. Meditation has been used for centuries to achieve relaxation, not just for the body, but also for the mind. You will learn how to eliminate distractions and let go of the stress in your life. This helps sufferers of tinnitus focus on other things and get a little sleep.

Stay busy! This redirects your mind and encourages you not to focus on your tinnitus too much. You don’t have to let tinnitus be in charge of your life. You still need to go out, have fun and, most importantly, keep yourself distracted.

Now that you have read the insights and ideas in this article, you are, hopefully, content with the time you invested reading the preceding paragraphs. Hopefully, you learned some things you can use to help with any symptoms you are experiencing from tinnitus, as well as how you can prevent it.…

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General Article

How To Deal With Acid Reflux Issues

How is acid reflux defined? What are the underlying causes? What causes your symptoms to get worse? What makes them go away? Where can you go for answers? The information presented in the following article offers a good start to helping you understand acid reflux and what you can do to alleviate the symptoms.

Place wedges underneath your mattress to elevate your body so that your acid remains in its rightful place. You can do a variety of things to help elevate the mattress. There are beds which are electronically controlled which you can use as well.

Stop eating spicy foods if you want to prevent acid reflux. These ingredients stimulate acid production, which cause your problem to become more pronounced. If you simply avoid such foods, you will soon experience relief.

Certain foods trigger acid reflux. Some common problem foods are chocolate, alcohol, fast food, coffee, tea, or any beverage with caffeine. You should also avoid spicy foods as much as possible. Keep a log of what foods seem to cause your acid reflux. You may find some common problem foods are fine for you, while other foods that are not listed upset your stomach. If you want to err on the side of caution, simply stay away from everything listed above.

Slippery elm has proven effective in thickening the mucosal lining of your stomach. This makes sure you’re protecting the stomach from the inside. A tablespoon or two mixed with a cup of water before bed will often provide some relief.

Consider giving up smoking if you suffer from acid reflux. Your stomach acid is increased by nicotine and this will make acid reflux worse. However, quitting cold turkey can also worsen acid reflux. Quit slowly instead.

Refrain from sitting down after you consume a meal. Lying down directly after a meal can allow acid to travel up your esophagus with much greater ease. You can find relief by remaining in a standing or seated position.

After meals, consider a stick of cinnamon gum. This will increase the production of saliva. Saliva helps to neutralize the acid of the stomach. Additionally, you will swallow more which can reduce the acid built up in your esophagus. You can use gums that come in fruit flavors as well. You should not chew on mint gum because mint causes your esophageal sphincter to relax, worsening your acid reflux.

Sometimes reflux symptoms are so painful you may feel like you are experiencing a heart attack. However, you should never ignore chest pain. You very well could be having a heart attack. Talk to a doctor to learn how to handle the situation. Do not take chances when it comes to chest pain. The results can be life threatening.

Place your bed on risers to help with night time acid reflux. Raise your bed up for your top half using items like heavy books or bed risers. The head of the bed should be approximately six inches higher. This will naturally keep the acids and foods in your stomach when you sleep through the night.

Hopefully you now have a good understanding about how to control your acid reflux. Examine your daily routine to find triggers and prevent them. With what you’ve learned here, you’re ready to go.…