Monthly Archives: September 2017

New Health Insurance Policy: Understand What You Are Paying for

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You now are the owner of a new health insurance policy because your place of employment changed providers, but you do not have the first clue what the new policy covers. The first thing you should do is take a moment to read the policy. Do not be surpirsed if you get more confused as each word. This is common pace for a lot of people and it shouldn’t discourage you. Insurance policies are simple to understand if you understand the language they speak. If you don’t tspeak their language, which most of us do not, then you will surely get lost.

The first things you want to understand about your policy are the many terms that are in your policy. One of the common terms that you will see is a deductible. A deductible is what you pay before any benefits in your health insurance policy are accessible. Usually, this is an annual amount and will vary greatly by the type of policy. Usually there are separate deductibles for an individual account versus a family account. A few policies let consumers use some of their services with out meeting the deductible. The following year after you have exhausted your deductableh you will have to start all over again.

Co-payments are dollar amounts that are paid by the consumer before the insurance will pay for services and this is paid in addition to the deductibles by the consumer. Some policies will allow the consumer pay a co-payment for certain services without meeting the deductible.

Out of Pocket costs are what the consumer is required to pay out of your own pocket. This could include deductibles, and co-payments. The term “annual out of pocket expense” is the maximum omaximum amounta consumer would have to pay for health services minus the premiums.

Most policies have a lifetime maximum term. This means that every policy has a cap on it. During the lifetime of the policy the consumer expenses can’t go over a predetermined amount or the health insurance policy underwriter will not pay. Do not worry. It is usually a very high amount to start but with the rapidly escalating health care costs a consumer can reach it quickly.

The exclusions section must also be read very carefully and a consumer must fully understand the health insurance policy. Exclusions are conditions that the policy does not cover. This can be a very hazy area. The policy may cover operations but not the after care of the operations or it may cover the after care and not the operation itself. This is the most important section of your policy so read it carefully to ensure that you grasp all of exclusions.

There are many things that you should always remember as you read your health insurance policy. Read every paragraph to ensure you understand how the policy functions so you will not have questions if the need ever arises to use it.

Nutritional Supplements And How They Help Your Health

From ancient times people have been taking nutritional supplements. They started with natural herbs often home grown which were usually brewed into teas and tonics.

Now they have become more sophisticated and are available in all sorts of pills, capsules, liquids and of course teas of all sorts.

What are nutritional supplements? Nutritional supplements are used to add nutrients to our diets that are missing or not taken in large enough quantities. They are available in pills capsules, liquids and teas. They can be synthetic or from natural sources. They will contain one or more of the following ingredients:

• Vitamins
• Minerals
• Herbs
• Amino acids
• Saccharides

Why do we need nutritional supplements? These supplements are not intended to replace meals but enhance our diets. There are several reasons that we would be taking them:

• Environment: our environment has deteriorated over the years and we are now getting more toxins from the air, the water and even in the foods we eat, than ever before. Our bodies have to work more to protect and rid ourselves of these unwanted substances. Therefore it is wise for us to take nutritional supplements to help our bodies to do this.

• Stress: Stress will cause your body to function less efficiently. This will put your body at risk for a number of things, especially low resistance for disease. Supplements, especially Glyconutrients will help your bodies immune system get stronger and also help your body function better.

• Poor eating habits: Due to busy lifestyles, our ways of growing food and green harvests we are not getting the important nutrients our bodies need to keep us in good health. We often do not even stop to eat proper meals. This makes it necessary for us to take supplements to enhance our diets and add important nutrients to our diets.

• Athletic activities: when we take more exercise then normal our bodies need more nourishment. A professional athlete or even someone doing extra work outs needs more nutrition. Dietary supplements would include, Proteins, minerals, vitamins and saccharides (Glyconutrients).

• Part of a weight loss plan: when you go on a diet to lose weight you will be eating less and running the risk of not getting enough of the essential nutrients in your diet that your body needs. Therefore you would often be taking some nutritional supplements. Some of these substances even claim to help you to lose weight.

How do they improve your health? Different supplements will help you in different ways.

Glyconutrients: The latest nutritional supplements to come on the market are the saccharides. These are known as Glyconutrients. There are 8 of these essential nutrients:

• Mannose
• Glucose
• Galactose
• Xylose
• Fucose (not fructose)
• N-acetylglucosamine
• N-acetylneuramic acid
• N-acetylgalactosamine

These nutrients have only lately been researched with a technology known as Glycobiology. These nutrients have been shown to be vital to our health especially regarding our immune system and the ability of the body to heal itself.

Ambrotose: is a supplement made up of these Glyconutrients. Taking these supplements will help you to feel healthier and enjoy your life to the fullest.