Monthly Archives: October 2017

Discount Vitamins and Nutrition Products Offer Equal Health Benefits

When it comes to discount vitamins and nutrition products, the old adage, “You get what you pay for,” simply doesn’t hold true. Many retail outlets and websites tout overpriced products that promise the moon and don’t deliver. The results you obtain from high quality discount vitamins and nutrition products are as sound as those you get from higher priced products.

Here are a few examples:

Multi-Vitamins – Although some people like taking an assortment of specific vitamins, many more prefer the convenience of a multiple vitamin supplement. Different brands of vitamins – and different multi-vitamins within a given brand – contain different formulations, so it’s important to look at the labels rather than the price tags.

A general multi-vitamin is appropriate for most adults, although special formulations tailored to specific groups of people are available for women, for men, for older adults, and for those who are engaged in sports or other very active lifestyles.

When choosing discount vitamins, look for those that offer multiple sources of nutrients and natural sources of trace minerals and micronutrients. Each person’s ability to absorb nutrients is unique, so multiple sources ensure that virtually everyone can benefit.

Acidophilus Powder – Acidophilus powder is a somewhat generic term for a group of dietary supplements that are probiotics. Probiotics are microorganisms that help the body’s own beneficial bacterium and yeasts. Acidophilus powder and capsules/tablets are available in both regular formulations and those specialized for women, vegetarians, and so forth. As with discount vitamins, you can find online sources of acidophilus powder at steeply discounted prices.

St John’s Wort – Everyone from ancient Greeks to modern-day medical professionals have explored the benefits of St John’s Wort. Found to affect the levels of serotonin in the brain, the herbal supplement can improve mild depression, help balance mood swings, and help with sleep problems. Some nutritional products include complementary formulas (such as anti-oxidants) that can also enhance well-being.

Fat Burners and Weight Loss Aids: Some companies that sell the best fat burners charge premium prices, but there’s no reason for you to pay high retail prices when you can buy the same products at deep discounts. Said to stimulate the body’s ability to metabolize fat, the best fat burners contain no ephedrine. HydroxyCut, a popular weight loss supplement said to increase your energy, burn calories, and control appetite, is but one example of a brand name product that can be found online at a steep discount over retail prices. Similarly, you can find a carb blocker through an Internet health and body source at a fraction of the price you would pay at a retailer.

Sports Nutrition: Sports nutrition is big business, but that doesn’t mean that you need to spend big bucks for protein powders, health shakes, muscle formulas, and nutrition bars. Again, you can get a wide variety of high quality, brand name products at the same place where you buy your discount vitamins.

Of course, prices aren’t everything. When you select your online source of discount vitamins, be sure that it also offers expert advice, perhaps in the form of a free weekly newsletter. Look for writing that reflects the knowledge base of the site’s owners. Insightful advice gleaned by trial and error is more valuable that the stale reiterations found on many health websites.

Different Types of Health Insurance Explained

Health is the biggest and most crucial asset of every living being. An unhealthy animal and individual can never truly experience any joy. It is the wealth of health that provides the requisite potential to topple over all odds and to move ahead with life. So such an essential part of a person’s life demands extra care and concern. An ideal way to secure an individual’s prized possession for him and for those who love him is a health insurance policy.

A health insurance policy is meant to financially assist a person in case there occurs a setback to his health. For instance he is afflicted by some grave disease, meets an accident, becomes handicapped etc. In order to provide complete service and for the all round development of the individual the health care system of America offers ample of options or different types of health insurance for its citizens. Some of these are explained below:

• Preferred Provider Organization or PPO is a discount form of health insurance policy. PPO has a complete network of health care providers from hospitals to doctors. If an individual has taken PPO policy and takes treatment from any of these assigned providers, the PPO covers his complete medical treatment. While if the person takes recourse to some other doctor or institution, he gets served at a reduced rate. PPO’s thus facilitate medical services at abridged rates.

• One immensely cheap form of health insurance is the catastrophic health insurance. This sort of policy is basically meant for the people who have the financial means to manage regular illnesses and hospitalizations. The deductibles i.e. the sum of money an individual for these policies are quite large for this policy. At times there are caps on the amount the policy will pay in case of illness.

• A Short term health insurance policy is akin to a life insurance policy in the sense that both can be adopted for a specific tenure. This policy covers catastrophic to comprehensive cases and excludes the situation of pregnancy and childbirth. Quite often it is hard to qualify for these policies as there are strict conditions or qualifying procedures. Moreover these policies may not cover any pre-existing medical conditions.

• HMOs or the Health Maintenance Organizations also offer health insurane t significantly lower premiums. But the disadvantage is that they confine the sources a person may seek in non-exigency situations. HMOs do not cover the precautionary measures such as immunization, mammograms and physicals. There are quite a few issues associated with the HMOs. For instance it is believed that doctors receive financial perks for deducting the cost of medical services to patients. One way to do this is to pay monthly fee to the doctor for each patient despite of delving in to the issues of what treatment the latter one needs.

• There are also full-service health insurances. The lucrative feature of these policies is that they cover all sort of illnesses, cover any medical treatment the patient takes regardless of the institution or doctor and the deductibles are at the discretion of the policyholder. He may pay a high or a low one.

• Medicare or Medicaid insurances are meant for the retired or the low-income individuals.

Disability Insurance – Why Young And Healthy People Need It

Unfortunately accidents happen. Some of these may unfortunately put you in the hospital for weeks, followed by months of rehabilitation. Or you are not able to work or leave the hospital because of a permanent injury.

Health insurance might pay for your medical expenses, but you need something like disability insurance to make your mortgage payments and pay your household expenses?

Disability Insurance Is The Answer

For most of us the answer is disability insurance, which provides income when an illness or injury makes it impossible to earn a living. Disability insurance is the policy to have, whatever your age, to continue the income you need.

What Does Disability Insurance Do For Me?

While employers often provide short term disability, few companies offer long term disability insurance unless there is a union contract. If you don’t recover, or have your own disability insurance contract, you will have to use your savings to survive.

Accordingly, it is in your best interests to protect your income and earnings with a personal disability insurance policy.

How Much Disability Insurance Do You Need?

No insurance company will insure you for your full income as generally the payments are not taxable. Another consideration is: if you have group disability insurance from your employer, there may be a cap on how much you can get.

Some Additional Disability Insurance Benefits:
Escalator Rider – an benefit that annually increases the amount of your income .
Return-To-Work-Provision – a benefit of your disability insurance policy that pays you a portion of your disability income if you can work part time.

There are numerous other disability insurance riders which can be added, but which increase the overall cost of the insurance policy. Employer group disability insurance policies are not portable, which is the best, most simple reason to own personal disability insurance.

Discount Plans versus Health Insurance

A woman from Las Vegas thought she was buying health insurance. It looked and sounded like health insurance. The Las Vegas woman is not 65 yet, which means she can’t get Medicare. So, she went online looking for health insurance. She ended up finding something called Healthcare Advantage, and signed up after paying $100. Come to find out, this was not medical insurance at all and the sales representative never told this poor lady. She found that out when her cards arrived in the mail. In tiny writing at the bottom, it read, “not an HMO, PPO insurance or managed care company”. This was a discount plan. These plans do not have the same coverage as a full medical health insurance policy. Make sure you know what you are getting and if it fits your needs.

So what is a discount plan? The plans claims to save people money by offering discounts on physician visits, prescription drugs, dental work, eye care and other treatments for a monthly fee. Unlike normal health insurance, which is very costly and very selective about who it covers, a discount health plan accepts everyone, no matter what health conditions they may have. You will use a list of doctors that are willing to charge discounted rates to the subscriber. Discount is not the same as coverage, and so you will pay more for visits and other services that you wouldn’t with a regular medical plan. The average savings is only 25% that could be very expensive if you have to see a specialist or require surgery. These networks claim to have as many as 400,000 doctors and 50,000 hospitals available to choose from, but what if none of them are near you? You can get a savings of up to 30% on both generic and brand name drugs, which can also be costly if you have multiple prescriptions or they are costly ones. So if you have a health plan already but have a high deductible, this extra plan may help save you some money. But to use as a complete health plan, it really isn’t designed for that and will cost you more than a great HMO.

HMOs and other medical plans can offer full medical coverage at great rates. Managed care plans are the way to go for those who are limited on funds. They offer the best policies for the least amount of money. Most of these plans are available to anyone and can save you a ton of cash. You can make the plan even more affordable by asking for a deductible, which will lower your monthly expense. Most HMO’s do not have one at all but, you can request one, and most basic PPOs and POS only have a small one, usually $200 to $500 per year, which you can also asked to raised. The co-pays are also very reasonable with these types of plans. If you choose to purchase an HMO, expect to pay about $5-$10 per office visit and per prescription. With PPOs and POSs you will have a 20% co-pay with both visits and medications. The differences are how strict they are and you pay more of a co-pay to have extra flexibility. Usually a PPO or POS plan is less expensive and you have more freedom to see whom you want so the insurer makes you more responsible for payment. HMOs tend to be the least expensive and best policies for people with fixed incomes.

Make sure you know what your needs are and double-check what you are getting. If you need full medical coverage with low co-pay then a discount plan will not work for you. If you are already covered by a medical group but have a large deductible then you might benefit from the extra savings a discount plan can offer. Also, ask whether the plan is insurance that covers your treatment, or is a discount plan that still requires you to pay all medical bills yourself. Beware of slippery sales pitches. Make sure you know what’s being offered. Discount health plans may only sell you access to a large mailing list of medical providers that it purchased commercially. Don’t assume you’re getting access to a large provider network just because your discount card displays the network’s name and logo. If you plan to use a specific listed doctor, hospital, pharmacy or other provider, ask a few questions before you sign up.

Dining Out Guide for the Health Conscious Eater

Here’s food for thought! Did you know the average restaurant meal has over 1,000 calories? That’s enough to blow any healthy eating plan. Fortunately, by following a few simple guidelines, you can dine out without having to sacrifice good taste and nutrition.

1. Avoid ordering an appetizer. It’s a little known fact that some appetizers have more calories and fat than the main course. Plus, many appetizers are fried and served with heavy sauces which will add to your intake of saturated fat as well as trans fats and calories. It’s not a healthy way to start your meal.

2. Say “yes” to salad. Salad is a healthy eater’s best friend. Not only will it fill you up so you’ll consume fewer calories overall, but it will also give you a hefty dose of antioxidants which are heart healthy. Be sure to ask your waitress to hold the croutons and cheese which will further reduce your caloric load. Also, choose your dressing wisely. Avoid cream based dressings and go for the vinegar based ones. You also have the option of using vinegar and olive oil which is heart healthy.

3. Make the right entree selection. Go for broiled and grilled rather than fried. Not only will you save calories and fat grams, you’ll also avoid trans fats which are so prevalent in fried foods. Instead, consider asking for a doubles order of vegetables with your entree. Very few Americans are getting the 7-9 servings of fruits and vegetables recommended for optimal health. Plus, by avoiding the starch, you’ll be reducing your caloric and carbohydrate load. Also, stick to tomato based sauces rather than cream based and you’ll enjoy a considerable calorie savings. Lastly, ask for the sauce to be served in a separate dish on the side so you can control the amount you eat.

4. Think about what you’re drinking with your meal. By not ordering an alcoholic beverage, you’ve saved yourself a considerable number of calories. Try sipping iced tea sweetened with a noncaloric sweetener, a diet soft drink, or water with lemon. You’ll be glad you did when you consider the calorie savings.

5. Indulge your sweet tooth wisely. Many of the chain restaurants now offer a low fat or low carbohydrate dessert selection such as a low carb cheesecake. These are wise choices for the health conscious eater and still allow you to end the meal on a sweet note. If a healthy dessert option isn’t available, try a cup of coffee with skim milk to help satiate your desire for something sweet.

6. Learn to control your portions. Many restaurants are serving larger quantities of food than in the past. If this is the case, put aside a portion of your entree at the beginning of the meal to take home with you. If you remove it from your plate before you start eating, you’ll be less tempted to overindulge.

By following these steps, you can make your dining experiences not only healthy, but enjoyable. Your heart will thank you!