6 Crying for Health Benefits

Gradually crying can make the eyes red and swollen. But behind it, cry or shed tears it could be a useful panacea for the health of body and mind. Anything?

Quoted from Beliefnet, this is it six tears that can benefit you get after crying or tears.

1. Helps eyesight
Tears turned out to help one's vision, not just the eye itself. Discharge from the eyes to prevent dehydration of the membrane of the eye that can make the vision become blurred.

2. Killing bacteria
No need eye drops, enough tears that serves as a natural antibacterial. In the tear fluid contained the so-called lisozom that can kill around 90-95 percent of the bacteria left behind from computer keyboards, railings, sneezing and sites that contain bacteria, just 5 minutes.

3. Improve your mood
Someone who cries can lower levels of depression with crying, mood will be lifted again. Tears were generated from the type to cry because the emotion contains 24 percent protein albumin are useful in regulating the body's metabolic system than tears resulting from irritation of the eyes.

4. Remove toxins
A biochemist William Frey has conducted several studies about tears and found that the tears that came out of the emotional cry because it contains toxins. But make no mistake, tear out the poisonous it signifies that he brought the poison from the body and release it through tears.

5. Reduce stress
How tears can reduce stress? Tears of stress hormone release was also found in the body of leucine-enkaphalin endorphin and prolactin. In addition to lowering levels of stress, tears also help fight diseases caused by stress such as high blood pressure.

6. Comforting feeling
Everyone seemed to feel that way. Although you suffered various kinds of problems and trials, but after crying usually will appear a sense of relief. After crying, the limbic system, brain and heart will be smooth, and it makes a person feel better and relieved.

Hepatitis

Hepatitis is a general term for all forms of inflammation that occurs in the liver or liver. Hepatitis can be acute or chronic with a variety of causes. Hepatitis can be caused by viral hepatitis (A, B, C, D and E), other viruses such as mononucleosis or chickenpox virus.

Hepatitis is also caused by drugs, excessive alcohol consumption and toxins from the environment. Another factor causes of hepatitis including excessive fat accumulation in the liver (fatty liver), trauma and disease autoimmun.

Diagnosis of hepatitis is sometimes obscured by the flu because the symptoms are almost the same. Though some of hepatitis must be handled properly so as not to be serious and affect liver function.

The liver is the organ that is essential for the body because the liver produces bile acids to aid digestion of fats, cleanse the blood of substances hazardous chemicals and regulate chemical substances contained in blood.

Five viral hepatitis can only infect humans in various ways but the point remains the same ie they infect the liver and make it inflamed. The acute phase of this disease will be cured in 2 to 3 weeks and complete recovery in 9 weeks.

Causes of Hepatitis

Although the symptoms are caused almost similar but the effects of each cause can be different. In cases of viral hepatitis, severe illness is very terggantung least of the type of virus that infects.

Hepatitis A

The virus is transmitted through the mouth and anus of contaminated food or water. This virus is the most harmless and can heal itself without complications.

Hepatitis B

Hepatitis B virus is transmitted through sexual contact, blood transfusions and needle exchange rate with the patient. The virus can cross the placenta so that it can be transmitted from pregnant mother to the fetus.

Generally, patients with hepatitis B will recover completely. A small percentage will still carry the virus in their bodies (career) and can transmit the virus to others. Some of them can become chronic hepatitis. Almost 25% of patients will experience complications of chronic hepatitis liver cirrhosis or liver cancer is deadly.

Hepatitis C

Hepatitis C is transmitted through blood contact or use of contaminated needles, including tattoo needles. Although infection with this virus had no symptoms but about 20% of sufferers will develop liver cirrhosis within 20 years.

Hepatitis D

Hepatitis D occurs only in people infected with hepatitis B and aggravate the illness. The virus is transmitted through sexual contact and from mother to fetus. Although it is rare but hepatitis D is very dangerous because its combination with hepatitis B who are also dangerous.

Hepatitis E

Hepatitis E typically occur in Asia, Mexico, India and Africa. As with viral hepatitis A, hepatitis E is transmitted through the mouth. This disease can not become chronic. The virus is slightly more dangerous than hepatitis A because it can cause death in pregnant women.

Hepatitis due to alcohol, toxins and drugs provide the same symptoms caused by viral hepatitis. The difference, hepatitis is not caused by bacteria infection but because of excessive alcohol consumption in a long time, the entry of toxic / hazardous chemical substances from the environment and the use of drugs that are not true. Drugs that often cause hepatitis is paracetamol, if taken to excess. 

Antioxidants Good For Male Fertility

 According to research, the antioxidants are very good for improving male fertility.

Data taken from 34 clinical trials (clinical trial) with more than 1,000 couples of childbearing age who visited a fertility clinic in England. Most of the men of couples of childbearing age has a low number of sperm cells.

The couple is then able to conceive and give birth to live children after the men consumed antioxidants include vitamins and minerals.

The findings are then published in the journal The Cochrane Library.

However the research is very promising still needs further research, according to Dr. Allan Pacey, senior lecturer at the Andrology, University of Sheffield, England.

According to antioxidant therapy is not always to increase the number of sperm cells of men and not all cases of male infertility can be helped.

Tips for Overcoming Cough

Flu symptoms are cough cough is gone but still felt until a few days. Even many who returned to the doctor just because a cough is unwilling to go. Here are some tips to get rid of a stubborn cough.

1. Heat a bowl of water, after boiling move to another place and then breathe out water vapor. It aims moisturize the inflamed airways and cause coughing. If there is money, you can buy water humidifier.

2. Avoid foods or drinks that contain milk because it can increase the production of mucus in the airways.

3. Expand the consumption of water and make sure your body is always fulfilled his need for water. Sufficient amount of water in the body will optimize all bodily functions including the immune system.

4. Drink honey. Honey has anti-bacterial effect and anti-virus. But do not give honey to children under 1 year because it can cause the disease botulism.

5. Take a piece of ginger and then input into the warm tea, drink 2-3 times a day.

If after trying several ways over the cough is still stubborn, immediately to the doctor.

Vitamin A On Sunscreen Causes Cancer

A press release came from practitioners surprising Environmental Working Group (EWG) Retinyl Palmitate on the possibility that many chemicals found in sunscreen products may cause skin cancer if this material is exposed to sunlight.

According to the conclusion of the National Toxicology Program or NTP that quoted EWG, based on observations of 11 scientists from several universities on the effects of Retinyl Palmitate in animals found that there has been increased activity of skin tumor cell growth if the material is applied to the skin of animals and then exposed to sunlight.

Sunscreen should prevent skin tumor cell growth and not vice versa, so this discovery really surprised. Especially since most of the sunscreen products on the market contain ingredients Retinyl Palmitate.

This result is, of course, received criticism from other scientists. According to them, the results found in animal experiments certainly can not be generalized to humans. Remember, in a sunscreen product does not only contain Retinyl Palmitate but mixed with other ingredients and of course the effect will berebeda.

Reasons to Move Your Doctor

When you visit a doctor of the patient is given the option to deliver any form of complaint which he felt to require a doctor. Unfortunately not all doctors have the opportunity and time to listen to patient complaints.

Not all doctors could be a good listener even though in terms of scholarly can not doubt his abilities. Not all doctors are also able to communicate well with patients without judging people who are in pain.

Here are some things that you can make a benchmark for moving the doctor:

1. You feel the doctor is blaming, ignoring or criticizing you or people you inter-treatment.

2. Doctors do not give a response to your complaint or impressed defend themselves and no fun.

3. You notice the doctor is not seriously respond to your complaint or the person you are inter-treatment.

4. Doctors do not want to explain about the drugs or the actions he did.

5. Doctors are reluctant to explain the treatment options that can be selected by the patient, including side effects or risk of such action.

Anger can make Shortness of Breath and Tingling

Screaming with bulging eyes do not necessarily indicate a person is really angry, because they sometimes can be made up. But if until shortness of breath and tingling, can be sure his emotions completely out of control.

We're very angry, a person may have a short breathing very fast or often termed a 'breath of hunting'. The direct impact that often accompanies this condition is shortness of breath for which the lungs are not strong enough.

Condition called hyperventilation syndrome (Hyperventilation Syndrome) is often mistaken for asthma, and not infrequently wrong doctor diagnose. And because it was triggered by psychological factors, this condition is almost never accompanied by damage to lung tissue and respiratory system.

Although not life-threatening illness as a real lung, hyperventilation syndrome can still lead to disruption if not addressed. One of the indirect impacts are caused numbness and tingling in some parts of the body.

Fast, shallow breaths and ongoing exchange of oxygen caused by carbon dioxide occurs very fast. Circulatory system is not able to keep up and become involved in the composition of biochemical imbalances in the blood.

Protein levels in the blood increases, on the one hand calcium levels dropped dramatically. One result of the lack of calcium in the blood is tingling and numbness, especially on the fingers of the feet and hands as well as some areas around the mouth.

Meanwhile, to handle it, some way could be done like:

• Do not panic, because in general symptoms of shortness of breath and tingling not life threatening. Try to curb your emotions and try to breathe slowly with more relaxed.
• If it is difficult to catch his breath, grab a paper bag and breathe in it for a while. Make sure your mouth and nose closed to restrict the exchange of oxygen and carbon dioxide.
• It is better to tell someone else, that this disorder is not asthma, and only appears when not able to control emotions. This step is useful to avoid panic in the people in the neighborhood.
• Learn to control your emotions and manage stress, try to always face the problem with more relaxed.
• Regular exercise can reduce the risk of hyperventilation syndrome, because the lungs are trained will be better able to tolerate a variety of changing conditions on the respiratory system.
• When all of the above does not work, contact the psychologist to consult or go to a psychiatrist to get a stress reliever medication.

Male Sex Lower Level Teen When Sleep Deprivation

Chicago, Chronic Fatigue due to lack of sleep can have serious consequences on the sexual life of a grown man. Libido or sexual desire can come down drastically in just a week, up to par with passionate sex in teens aged 15 years.

A study at the University of Chicago reveal, lack of sleep can lower testosterone levels. Because it is a major sex hormone in men, low testosterone levels can interfere with sexual function of a man as a whole.

One function of this hormone is to form bone and muscle density, so that was instrumental in supporting and raising stamina. If this function does not work, the impact energy level falls, the concentration decreases and triggers fatigue.

Based on these studies, sleep less than 5 hours / day for a week in a row to reduce testosterone levels quite significantly. Level can be synchronized with the condition of ABG (Anak New Gede) or teenage boys around the age of 10-15 years.

"Low testosterone levels associated with the strength and quality of sexual and one of the factors influencing it is the lack of sleep," said one researcher, Prof Eve Van Cauter.

Prof. Van Cauter prove it through an experiment that involved 10 healthy men, average age 24 years. Over the past 11 days, all participants underwent sleep patterns conditioned by researchers with very controlled in the laboratory.

In the first 3 nights, all participants are conditioned to sleep for 10 hours every day. Meanwhile, in the next 8 days, participants are limited sleep time so as not to exceed 5 hours each day so that experience chronic fatigue.

In addition to observing sex drive through questionnaires and oral interviews, the researchers also examine testosterone levels in the blood of participants. Evident only in 7 days, kruang sleep was reduced testosterone levels and serious impact on a man's sexual function. 

Seeing the Color Red Make Muscle Gaining Strength and Lively

New York, instinctively, human muscles become stronger and move faster when he saw all things red. If you do not believe, observe reflex when a wife slapping her husband who came home with red lipstick-stained shirt.

The above example may be too extreme, but it can be compared with the response when a student receives a report card that all red contents. Heart muscle will definitely work more quickly, thus beating very fast and uncontrolled.

Likewise, when a man ran into a pretty girl on the street and are interested to follow it. If the girl in the red dress, without realizing the man's footsteps will be faster than if the girl wearing a shirt with another color.

Andrew Elliot, a professor from the University of Rochester, New York, said in an instinctive movement of human muscle is influenced by the color red. In the concept of evolution, this tendency is useful to prevent people from danger.

When a person appears on the face, the red color often expresses anger is mounting. If you want to survive, someone who is dealing with opponents that his face began to redden his muscles have to move faster to get out or prepare to defend themselves.

The threat in the form of a red color can trigger anxiety, making distracting and sometimes disturbing comfort. It all affects the physical and mental condition.

To prove this theory, Prof. Elliot conducted experiments on 46 students. Clutching a special tool to observe the strength of grip, the participants were asked to read tightly written a few words with a different color.

After comparison, the hand grip of the students tend to strengthen when reading the brightly colored red, especially bright. Volume during red reading is also higher than that observed when reading the text in another color.

Paracetamol

Generic Name: Acetaminophen

Trade Name: Pamol, Sanmol, Paraco, and others.

How Drugs Work

Paracetamol belongs to the class of analgesic drugs (pain relief) and anti piretik (alleviate fever). How drugs work exactly is still unknown but the suspect in relieving pain, these drugs increase pain threshold in the brain. Meanwhile, to relieve fever, paracetamol works on the central regulation of brain fever.

Need Recipe Doctor: No.

Dosage: Syrup, chewable tablets, caplets membranes, suppository. Doses are available 125, 250, 500 and 600mg.

Indication

Paracetamol is used to relieve fever and pain caused by many things. Pain-relieving effects are not too high but his fever-relieving effect is very good.

Dose

The dose for adults 250 to 500 mg every 4-6 hours. The maximum dose in one day is 4 grams. For children, adjusted for body weight and age.

Pregnancy and breastfeeding: Paracetamol safe drinking by pregnant mothers and lactating women.

Side Effects

If used in accordance with the rules, drug side effects are very rare. The most dangerous effect is liver damage if used excessively. The use of these drugs are accompanied by drinking alcohol also causes damage to the stomach.

Lower Blood Pressure With Strawberries

Eat a bowl of strawberries once a week can reduce the risk of high blood pressure which is the main factor for heart disease and stroke. The findings were published by the American Journal of Clinical Nutrition.

A total of 3 phases of research studies conducted in the Nurses 'Health Study I, which studied 87,242 women, Nurses' Health Study II, which examined 46,672 women and the Health Professionals Follow Up Study of 23,043 male sample. After observation for 14 years, 29,018 women and 5629 men suffered from hypertension.

Men and women who consume anthocyanins from strawberry, the risk of hypertension decreased to 8% compared with a never eat strawberries.

Anthocyanins are antioxidants that are very strong and gives the skin color of strawberries. This substance helps dilate blood vessels so that blood flows more smoothly and reduce the risk of high blood pressure or hypertension.

Adverse Impact of Social Media for Teens

Adolescents who spent more daily air and air-sms social media tend to have worse behavior than their friends who are not too active air and air-sms social media. Thus the conclusion of a recent study.

Research conducted by Case Western Reserve School of Medicine, studied 4257 high school students in a town on the outskirts of the United States.

Teens who are too active pro-sms or known by the term "hyper-texters" are those who wrote more than 120 messages per day. They tend to behave badly, namely:

     40% tried smoking.
     43% tried to drink liquor.
     41% tried to use illicit drugs.
     55% tried to fight.
     90% of them have more than 4 dates.

"These results show, if not controlled, adolescents who are too active pro-sms has a tendency to behave badly." demolished, Scott Frank, MD, of Case Western Reserve. "This is a warning to parents to pay more attention to activities of their sons and daughters."

Frank and his friends also reported active youth research tehadap bersosial media or known by the term "hyper-networking." Those who belong to this group is that spend their time more than 3 hours per day hanging out in the world of social media. They are at risk:

     62% tried smoking.
     79% tried alcohol.
     69% tried to party liquor.
     84% tried to drug trafficking.
     94% tried to fight.
     69% of attempted sexual contact.
     60% have more than 4 dates.

Frank presented the findings of this in Denver, the United States during the meeting to the 138, American Public Health Association.

Rare Breast Implants Cause Cancer

There is a relationship between saline and silicone breast implants with a rare cancer that attacks the breast (Anplastic Large Cell Lymphoma-AlCl). Thus disclosed by the U.S. Food and Drug Administration.

The observation of some of the literature published between January 1997 and May 2010 concluded that women who use breast implants have a risk of AlCl in the scar tissue around the implant. In this observation AlCl found 34 cases in women who wear saline and silicone as breast implants.

The FDA also recommends every health care facility in the United States to report every case finding AlCl in patients with breast implants. To ensure that every woman safe use of breast implants, the FDA and implant manufacturers will work together to create a safer implant.

Tips to Prevent Insomnia

Sleep tight is a very good habit. Many of the benefits for the body if we can just sleep in one day. However, this is not easy for those who have sleep disorders like insomnia.

Insomnia is one type of sleep disorder in which sufferers fail to be able to sleep soundly every night. If insomnia lasts longer, any health problems will emerge one by one.




Here are some tips you can do to combat insomnia:

• Try to go to bed and wake up in the morning at the same hour every day including holidays. Try not to nap for a nap to make your nights sleep a little.
• Avoid caffeine, nicotine and alcohol shortly before bedtime. Caffeine and nicotine are stimulants that keep you awake while alcohol disturb sleep quality or night night often waking himself.
• Exercise regularly. Do not exercise close to bedtime. Experts suggest not exercising at least 3 hours before bedtime.
• Avoid consuming too much dinner. Snacks before bedtime can help you to be able to fall asleep.
• Make your bedroom as comfortable as possible. Make sure the bedroom is dark atmosphere, not noisy and not too hot or cold.
• Do something that makes you comfortable before bedtime such as reading books, listening to music or take a bath.
• Avoid using your bed for things other than sleep and sex.
• If you have trouble sleeping, got up and read or do anything until you are sleepy.
• To avoid you lie in bed and think of something, try writing a list of work to be done before bed so that when your sleep time did not think about it anymore.

Eating Saturated Fat Cause Depression

Those who regularly consume saturated fat or trans fat is likely to experience depression, according to a new study.

Research conducted in Spain to 12 059 people over 6 years found that people who consume lots of saturated fat, 48% more likely to experience depression than those consuming less saturated fat.

Instead they are consuming foods that contain unsaturated fats such as olive oil, a small possibility of depression.

The study also noted, those who already suffer from heart disease also experience depression so concluded jenuhlah fat that causes such conditions.

The study is published in the journal PLoS One.

Selecting the right to healthy food

Ever hear the phrase as the title above? Certainly we often heard the expression when there are promotions in a restaurant. By paying a few dollars we are freed to choose food and eat until satiety.

Before choosing foods that will make you sated, it's good you look, what kind of food that you can take as much and what kind of food that you should also take in small amounts.

Meals can be taken as much:

•      Beans.
•      Fruit, anything from apples to watermelon and so forth.
•      Rice grains such as rice or wheat.
•      Vegetable.

Foods that you can take in moderation:

• Fat-free dairy products like skim milk, fat-free yogurt, fat-free cheese, fat-free milk cream and egg whites.

Foods that you should take in small amounts:

•      All kinds of meat such as red meat and fish.
•      Oil or oily foods such as margarine and salad seasoning.
•      Fruit Advocat
•      Olive
•      Nuts.
•      Fat dairy products.
•      Sugar and kinds such as sugar, honey, syrup, and so forth.
•      Alcohol.
•      Fast food is greasy and fatty foods in containers.

Comparison of Five Pet Health Insurance

Comparison of Five Pet Health Insurance. It doesn’t matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.

    

At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.
    

An insurance plan through Pets Best Pet Insurance will cost approximately $32.00 a month ($384.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of $99,750 dollars per pet. Pets Best health insurance plans come with a $75.00 deductible. Multiple pet discounts are available. Pet’s Best pet health insurance does cover cancer.
    

Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.
    

ShelterCare is a pet insurance that cost pet's owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.
    

A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.  
    

PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.
    

None of the estimated monthly prices for these insurance companies include any extra insurances riders.
    Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.
    

Remember to read the fine print before you sign up for a pet health insurance plan.
    

All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.
    

There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.

Serious Things To Look For When Buying Health Insurance

Serious Things To Look For When Buying Health Insurance. The comfort and security of knowing you can see a doctor whenever the flu strikes or when you’ve broken your leg on the ski slopes is a privilege that many take for granted. Whether you have to select health insurance through your job or need to choose an independent company, there are plenty of factors that can affect your final decision. Weighing the pros and cons of various options is the best way to choose the health insurance that will accommodate your needs as an individual or family. Below are a few points to consider as you search for the best health insurance plan for you:

Know Your Choices

There are many different kinds of health insurance plans offered to the public. Knowing the various options you may qualify for will help satisfy your needs in the future. There are five type of health plans to consider: traditional indemnity, health maintenance organization (HMO), Preferred Provider Organization (PPO), Point of Service Plan (POS), and Health Savings Account (HSA). You should familiarize yourself with each option.

Know the Advantages and Disadvantages

Out of the five main types of health insurance plans, each one contains their own set of advantages and disadvantages. For example, with a traditional indemnity plan, individuals seeking complete freedom in the medical providers they can select should choose this option. But freedom comes with a price; the insurance plans produce higher rates and costs. This means individuals will face few restrictions, but also have to cope with no financial incentives that lessen patient financial responsibility.

Coverage and Benefits

An important factor to consider when choosing a health insurance plan includes the type of benefits offered and whether or not they will accommodate your needs. Some of the coverage capabilities to ask about include maternity, prescription, childcare, immunizations, emergency visits, and annual checkups.

Costs

Seeking information on the premium or employee contribution associated with a particular health insurance plan is important to make an effective decision. The cost you are responsible for will depend on the type of plan you choose; the deductible, coinsurance and co-payment; lifetime maximums, and the limitation of plan benefit coverage.

Are You Considered “Hard to Insure?”

If you are labeled as a “hard to insure” case, you may not find the most cost-efficient or accommodating health coverage. A few things to keep in mind include: avoiding lifetime maximums of less than $500,000, straying from plans that only offer hospital and surgical benefits, seeking out an HMO plan that tend to be the least expensive, and researching health insurance coverage provided by professional organizations, school alumni programs or unions.

The quickest way to lower your health insurance premiums

It is an old saying — “Health is Wealth.” The most important step to maintain this wealth is to get a health insurance policy for you as well as your family. But, sometimes the premiums of such policies can leave you in and out of the budget situation. Can you really do something to bring down your premium? Read on to learn about the 5 quickest ways to lower your health insurance premium.

1.    Adopt a healthy lifestyle
Living a healthy life has many benefits. Your healthy lifestyle can easily help you in bringing down the health insurance premium. Exercise regularly, eat healthy diet, avoid smoking and heavy drinking — and your visits to the doctor will surely be minimized. The healthier you are, the lesser you are represented as a risk for the insurance company.

2.    Shop for the best available price
One of the best options to keep your premium lowest is to go out and shop around for the health care policy. This will ensure that you find the best available policy that fits in your budget. Do a thorough research before investing in any policy. You can get information from your friends and relatives or even Internet.

3.    Take up plans with higher deductibles
Insurance plans with higher deductibles tend to have lower premiums. Typically, deductible is the amount you are expected to pay toward hospital, doctor, and other medical bills. Taking up a plan with a higher deductible may not be a universally applicable idea. If you’re generally healthy and do not fall ill very frequently, then you can take up this plan. This way you can keep your premium at a lower rate and avail basic health care facilities as well. But, if you have a history of some major consistent illness, avoid taking this plan.

4.    Take up a policy early in your life
The premium varies to a great extent with the age of the person. Try and get a policy as early in your life as you can. For example, if you buy a policy at the age of 25, then you’ll have to pay lesser premium but, if you go for the same policy at the age of 50 you’ll end up paying a raised premium amount.

5.    Get in touch with independent insurance agents
You can take help from independent insurance agents. These agents represent several insurance agencies and can guide you to pick the right kind of health insurance policy and then plan your premiums at an affordable rate. Since independent agents will compete to get the business – so you’ll get serious offers quickly.

Basic Health Insurance Policy in Poor Economy

Basic Health Insurance Policy in Poor Economy

1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?
Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again.

COULD HAVE BEEN COVERED!?
That is correct. Most self employed people and even some small business owners do not carry Workers Comp on themselves.

There are designed insurance plans that will cover you on and off the job — 24-hours a day, if you are not required by law to have Workers Compensation coverage.

2. ARE YOU WRITING IT OFF?
Independent contractors (1099's), home based business owners, professionals and other self employed people generally are not taking advantages of the tax laws available to them.

Many people who are paying 100% of their own costs are eligible to deduct their monthly insurance payments. Just that alone can reduce your net out-of-pocket costs of a proper plan by as much as 40%. Ask your accounting professional if you are eligible and/or check out the IRS website for more information.

3. INTERNAL LIMITS
All true insurance plans use some form of internal controls to determine how much they will pay out for a particular procedure or service. There are two basic methods.

-Scheduled Benefits

Many plans, some of which are specifically marketed to self employed and independent people, have a clear schedule of what they will pay per doctor office visit, hospital stay, or even limits on what they will pay for testing per 24-hr. period. This structure is usually associated with "Indemnity Plans". If you are presented with one of these plans, be sure to see the schedule of benefits, in writing. It is important that you understand these type of limits up front because once you reach them the company will not pay anything over that amount.

-Usual and Customary

"Usual and Customary" refers to the rate of pay out for a doctor office visit, procedure or hospital stay that is based on what the majority of physicians and facilities charge for that particular service in that particular geographical or comparable area. "Usual and Customary" charges represent the highest level of coverage on most major medical plans.

4.YOU HAVE THE ABILITY TO SHOP!
If you are reading this you, are probably shopping for a health plan. Every day people shop, for everything from groceries to a new home. During the shopping process, generally, the value, price, personal needs and general marketplace gets evaluated by the buyer. With this in mind, it is very disconcerting that most people never ask what a test, procedure or even doctor visit will cost. In this ever-changing health insurance market, it will become increasingly important for these questions to be asked of our medical professionals. Asking price will help you get the most out of your plan and reduce your out-of-pocket expenses.

5. NETWORKS AND DISCOUNTS
Almost all insurance plans and benefit programs work with medical networks to access discounted rates. In broad strokes, networks consist of medical professionals and facilities who agree, by contract, to charge discounted rates for services rendered. In many cases the network is one of the defining attributes of your program. Discounts can vary from 10% to 60% or more. Medical network discounts vary, but to ensure you minimize your out-of-pocket expenses, it is imperative that you preview the network's list of physicians and facilities before committing. This is not only to ensure that your local doctors and hospitals are in the network, but also to see what your options would be if you were to need a specialist.

Ask your agent what network you are in, ask if it is local or national and then determine if it meets your own individual needs.