Health

Most people with health … … employer paid health … really don’t know what their health care costs are. … in many cases, they are limited in which health …

Most people with health insurance, especially employer paid health insurance, really don’t know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use.

Most people are locked into a network of doctors. They know what the co-pay is, but have no idea what the doctor actually charges.

When insured consumers are hospitalized, they rarely see the bill. They don’t know if the insurance company was overcharged or not. There are firms that audit hospital bills for insurers and self insured companies. They get paid a percentage of what they save on the bill payer by finding overcharges, duplicate charges and the like. The last I heard these firms were still making lots of money.

Overcharging, whether deliberate or not, by doctors and hospitals drive up health care costs for all. (So do malpractice suits, but that’s another story.)

In order to give consumers more direct control not only over their health costs, but in the choice of which doctor they can see or which hospital they can enter, Congress enacted the Health Savings Account Availability Act. As of the beginning of 2004, individuals who are not otherwise insured can have Health Savings Accounts (HSA) , which carry with them some very attractive tax benefits.

An individual can set up an HSA for himself or his family. An employer can add an HSA option to the so-called cafeteria benefit plan it may already offer.

The money put into the plan is before taxes, including Social Security, if part of an employer plan. Otherwise it is a above-the-line deduction, meaning you don’t have to itemize your deductions to get the tax break and that the deduction is not subject to the phase-out rules that make many itemized deductions unavailable to high wage earners.

The plan is set up like an IRA. A trustee approved by the IRS must be used. Money put in the plan grows tax free and funds withdrawn for qualified medical expenses are also tax free. Unlike the older Flexible Savings Accounts offered in employer cafeteria plans, you don’t have to spend the money put into the account by year end or otherwise lose whatever’s left. Money can be rolled over from year to year. This can allow for a nice chunk of money to accumulate that can be withdraw tax free at age 65.

In order to qualify, the individual or family must purchase a high deducible health insurance policy. These are special policies that have a minimum deductible of $1000 to a maximum of $5000 for an individual and $2000 to $10,000 for a family. The higher the deductible, the lower the premium.

Individuals can deduct the lesser of $2250 or the deductible on the policy: for married couples or families it is double that. If over 55, the deduction is $600 higher for individual and $1200 higher for couples and will continue to rise at $100 a year until 2009, where it will be capped at $1000 for individuals and $2000 for families.

The money in the HSA cannot be used to pay the premiums for this policy except in certain circumstances (basically when you’re unemployed). It is meant to meet the deductible, co-pays, drug costs, eyeglasses or any other medical expense that could be itemized on an individual tax return as a medical expense.

Money withdrawn in excess of qualified medical expenses is taxed as income and subject to a 10% penalty, unless the owner is disabled or over 65. Any money in the account at death is added to the taxable estate.

There are no income limits on this plan. If started early, when you are still young and healthy a substantial amount of money could accumulate to either meet higher medical costs as you get older or to use to supplement your income.

It pays to compare the costs of this plan with whatever your insurance you have now. It might turn out that your employer’s plan is still cheaper and you might want to keep it. Or you might want to consider HSA’s for their portability (you carry it from job to job without cost or loss of any contributions) and the tax benefit of having another vehicle to shelter income and capital growthBusiness Management Articles, while giving you more control over the cost and quality of your health care.

Health

Our personal health is vitally important and every aspect is a major responsibility that must never be taken lightly. Health is often referred to as man’s irreplaceable personal wealth and rightly so because this treasure is very significant above and beyond anything that a person takes care of. It should also be understood that health in the human being should be taken more seriously than any other living creature on the planet. Health consists of the overall functioning of the internal and external being, be it male or female and health cannot only include just the internal or external alone; being health always refers to the inside and outside.
Our personal health is vitally important and every aspect is a major responsibility that must never be taken lightly. Health is often referred to as man’s irreplaceable personal wealth and rightly so because this treasure is very significant above and beyond anything that a person takes care of. It should also be understood that health in the human being should be taken more seriously than any other living creature on the planet. Health consists of the overall functioning of the internal and external being, be it male or female and health cannot only include just the internal or external alone; being health always refers to the inside and outside. Others define and consider a healthy person as someone that is a holistically and positively functioning being in general society, mind, body and soul.

Health is usually defined as the absence of disease, illness, impairment and is the one aspect that man sometimes finds difficult to maintain at the level it should be to remain optimal and in top form. Many are the times that pains and aches in various body locations will come and go without any explanation as well as the unexpected injuries and traumas that no one can really prepare for. There are fine examples that really do support the necessity for health and medical insurance coverage benefits.

Insurance companies have several ways to formulate and offer great deals on insurance that will give each person or situation the adequate coverage required. Businesses also have benefit packages for their employees that include free medical services for their dedication to the company. There are however, fees that must be paid when admission to a health treatment facility is necessary or just a medical check up. In addition to these bills there are prescription drug coverage that generally is included in a heath insurance plan.

However, not all hospitals and health care institutions credit health insurances. Thus, it is vital that prior to getting health insurance offers, ensure that such kind of Health Insurance Company is well recognized and duly accredited in most of the hospitals found in your place of residency.

Apart from getting your health and yourself insured, it is always best to be conscious of one’s health. The mind, the body and the soul are the most important aspects in the existence of man and these do last as long as man desires to. Thus, each and every individual must be responsible and critical enough to keep their health always at an optimum level of functioning by eating right, doing right and living right.

Health

Sub-health state can be changed. To change the status of this sub-health, you must first learn to rest in a scientific manner and regulation of emotions.

Thus it can make a leisurely treatment at work, learning and the various problems encountered in interpersonal relationship. You should have the courage to face up to yourself with a positive attitude. You also need to take effective action to face the objective reality. Under the premise to ensure adequate sleep, you are alone in meditation and have a travel with own inner conversation. Or you can find a trusted friend to talk about heart fatigue and trouble. Friends help you analysis and accept the reality. You must be good at adjusting the life and work to have a relaxation.

The reason why people feel fatigue, emotional tension in our body, so to learn to relax, self freed from nervous fatigue. Second, actively participate in physical exercise and recreational activities. This is to improve and to relax and feel good medicine. To develop an exercise program or jogging, or cycling, gymnastics, etc., through body movement to shift the mental fatigue. The other also in their leisure time engaged in the interest of loving entertainment, such as listening to music, chat, travel and collectibles; go to a movie, etc., for sustenance and forget fatigue.

However, to completely eliminate the CFS, the use of natural astaxanthin is recommended. A astaxanthin was recognized by cosmetic raw material suppliers as the fourth generation of antioxidants. If the first generation of antioxidant vitamins (such as vitamins A, C and E), the second generation of antioxidant B-carotene, coenzyme Q10, SOD and the like, the third generation of antioxidant anthocyanins (OPC), grape seed, blueberry extract, green tea extract, tea extract, alpha lipoic acid, lycopene, the class, the fourth generation of the antioxidant is ASTA astaxanthin (from rain pluvialis example: the moment of the United States natural astaxanthin capsules). Astaxanthin is found in nature in so far the most powerful antioxidants, the antioxidant activity of vitamin E is 1000 times. Grape seed 17 times, 20 times the lycopene (lycopene and B-carotene prooxidant effect).

Pulse hardening and sub clinical studies show that low-density lipoprotein (LDL) oxidation is an important reason leading to atherosclerosis. The higher the LDL concentration in the body, combined with platelet deposition to vascular thinning hinder blood flow velocity, the greater the risk of human suffering from arteriosclerosis. High-density lipoprotein (HDL) in blood the opposite effect can prevent the occurrence of atherosclerosis. In human blood, astaxanthin carried by the very low density lipoprotein (VLDL), LDL and HDL. Vitro and in clinical trials to prove that each person oral 3.6mg / d astaxanthin for two weeks, can prevent LDL oxidation. In addition, animal studies have shown that astaxanthin in the body has significantly increased the efficacy of HDL and lowering LDL, in which HDL from 49.7 ± 3.6mg/dL increased to 66.5 ± 5.1mg/dL, speculate astaxanthin can reduce the oxidation of the apolipoprotein, can be used to prevent health, atherosclerosis, coronary heart disease and ischemic brain damage. Different from the generally lower LDL drug daily doses 1.8, 3.6, 14.4 and 21.6mg astaxanthin for two weeks, the LDL oxidation were prolonged by 5.0%, 26.2%, 42.3% and 30.7%, which can prevent the occurrence of atherosclerosis