health catch


7 Tips For Super Health

Posted on June 27, 2019 in Uncategorized

What is real health and how do we get there? Getting down to your target weight, exercising every day, eating a balanced diet – is that health? Here are 7 Super Health tips that I’ve gained from my health journey.

Super Health Tip # 1 – Become Your Own Doctor – Get a 2nd Opinion – Your Own. Three critical facts about today’s doctors. First, they have little, if any, training in nutrition, or how to prevent or cure diseases. Second, they treat your symptoms, not the cause, and third, statistics show that 94% of them get paid for prescribing drugs. 3 good reasons for a 2nd opinion.

Super Health Tip # 2 – Balance is Critical. A stool Has 3 Legs – just one or two and you fall over. What you eat determines 70% of your health. Exercise determines 20% – do something. Your health environment, both internally, the way you think and feel, and externally, your social network, is 10%.

Super Health Tip # 3 – Discover Super Foods. Whole foods provide better nutrition, more energy, and build a stronger immune system. Eat whole grains and seeds in cereals and breads, and wheat germ, bran and brewers yeast. Eat fruits and vegetables and drink green smoothies, fruit smoothies with 2 or 3 green veggies added. I have my green smoothie recipe on my site.

Super Health Tip # 4 – Invest In You. You educate yourself, spend thousands on your home and cars. Invest in your body – for the best results over your lifetime. Take nutrition courses – read some health books. Learn what builds health and what causes degenerative diseases (tip: it’s what you eat). Read The China Study to revolutionize your life.

Super Health Tip # 5 – Discipline Yourself – No-one Else Can. Become a closet health nut year by year. Don’t broadcast it – live it. Many people care more about their cars than their body – and spend more time planning their vacations than they do caring for the temple they live in. Don’t be one of them. Incorporate what you learn into your lifestyle.

Super Health Tip # 6 – Health is a Journey. Your body is miraculously resilient. You can recover from obesity, alcoholism, drug addiction, and from abusing your body. Your health is always determined by what you do in the previous 3 months of your life. Commit to and become healthier, and live into your 80s and 90s, and even 100s with joy, zest, and bounding energy.

Super Health Tip # 7 – Become a 95% Vegetarian. The evidence is now conclusive. The fat, cholesterol, triglycerides, and carcinogenic protein from meat and dairy products clogs us up, restricts our blood flow, decreases the oxygen to our cells, makes us sluggish, causes high blood pressure, high cholesterol, heart disease and cancer. Cut out 95% of meat and dairy. Fruits, vegetables and grains taste heavenly when your tongue isn’t filtering them through layers of fat, grease, salt, and sugar. The sensational Eating DVD documents it all.

by Terry Kent, founder of The Health and Nutrition Center

To your health,

High-Deductible Health Insurance Is Winning Over Employees

Posted on June 23, 2019 in Uncategorized

With skyrocketing rates on health insurance, employers (particularly small businesses) are moving to options with lower premiums, such as high-deductible health insurance. Not all employees initially see any advantage in such a change in terms of their out-of-pocket costs, but many are finding they can save more after the change.

A Health Savings Account or an HSA can only be started in combination with certain as high-deductible health insurance policies. Money contributed to the HSA is only available to pay for qualified health care expenses. Try to withdraw funds for expenses that aren’t medically related and you’ll see a 20-percent penalty fee. The list of qualified expenses is extensive, though. Several services not covered by conventional health insurance can be paid for from an HSA, such as dental care.

To persuade employees that these plans have advantages that will work for them, some businesses are contributing to employees’ new Health Savings Accounts and the idea has been gaining popularity. About 22 million consumers are now enrolled in HSA-qualified high-deductible health insurance, according to the head of health research at the Employee Benefit Research Institute.

One of the advantages of an HSA is that employees control the accounts even if employers contribute funds. Employees retain the money when they lose their job, resign or retire and the HSA balance continues to grow year after year with tax-free earnings. Individual HSA annual contribution limits remain at $3,050 in 2011, while the contribution limit for family HSA plans is $6,150.

High-deductible Health Insurance Coincides With Low Premiums

Employees are reporting it’s easier to save with the lower cost of high-deductible health plans. For example, at the Atlanta Medical Center, just over half of the employees are enrolled in an HSA plan. To increase staff enthusiasm for the transition, the center increased contribution levels to employee Health Savings Accounts by hundreds of dollars.

After a few years, some of the center’s staff are surprised at the additional savings they’re seeing. For Andrea Sweeten, who’s a contract administrator at the center, high-deductible health insurance meant much lower premiums.

With an 18-year-old daughter, the 45-year-old was paying $260 every two weeks. Since they rarely went to the doctor, she could see how that was just a waste of money. After switching to a high-deductible health plan with a $2,400 deductible, her premium dropped to $62. She deposits much of the savings in an HSA and plans to buy laser eye surgery with the surplus.

High-deductible health insurance plans typically have deductibles from $1,000 to $5,000, but those that are qualified to work with an HSA must have deductibles ranging from $1,200 to $5,950 for individuals and from $2,400 to $11,900 for families.

That kind of out-of-pocket expense can be trouble for consumers who do not plan for the unexpected. One way to cut that deductible until the HSA balance has had time to grow is with accident insurance. Preventive care is 100 percent covered before the deductible is met with insurance purchased after the passage of health care reform, but accidents take consumers by surprise. For low monthly premiums (as low as $22), $5,000 worth of accident insurance coverage is available with just a $100 deductible.

Prescriptions may also be troublesome because few people realize the total cost of their prescriptions with co-pay health insurance. Several strategies promise to cut prescription costs until an HSA balance has time to grow. Discount cards are readily available on the Internet. In addition, prescription drugs can be purchased online at amazing discounts from overseas providers.

Careful planning and HSA tax-free earnings are proving valuable for more employees. Back at the medical center, assistant trauma coordinator Emily Page has been won over by the advantages of high-deductible health plans and now equates her HSA with a 401(k) plan. In the three years she has invested in an HSA, she and her husband have been able to save almost $8,000. It’s that kind of success story that is fueling the move to high-deductible health plans and Health Savings Accounts.


California Health Insurance Rate Hikes Face Regulation

Posted on June 18, 2019 in Uncategorized

In California, health insurance rate hikes are one of the hottest issues being discussed not only by consumers, but also by the California legislature. Every year, insurance companies have been increasing health insurance premiums even though they are reporting record profit levels.

Skyrocketing premiums are one of the main reasons why some people tend to neglect their health care. High premiums are forcing millions of Californians to go without health coverage. Since 1999, individual and family health rates have gone up a shocking 139 percent!

Policyholders continue to voice their complaints on unreasonable rate hikes. This is inevitable since CA health insurance companies annually report huge profits. However, this entire ruckus with rate increases is about to change. California’s Assembly took a brave step to protect Californians from unjustifiable insurance premium rate hikes.

Health Insurance For California Faces Assembly Action To Stop Egregious Premium Increases

To address premium rate hikes, California’s Assembly passed AB 52. According to Assembly member Mike Feuer, the main proponent of AB 52, the bill would require California health insurance companies to seek the state regulator’s approval before increasing co-pays, deductibles or premiums.

California has been one of the 17 states left where regulators do not have the power to block excessive premium increases on health plans. The Department of Insurance and the Department of Managed Health Care could only review rate increases. With this bill, prices on CA health plans could be regulated. It is hoped that this would make it more available and put coverage within reach for millions of Californians who are now uninsured.

As stated by Feuer, the passage of the bill into law would be the ultimate solution to protect Californians from skyrocketing rates on individual California health plans. He also added that people should not have to live in fear that one day they would be unable to afford it in CA anymore. For most people, the protection is all that stands between them and bankruptcy in the face of devastatingly high medical bills.

What Makes Premiums On Health Insurance For California Affordable?

While this bill is still being reviewed by the Senate, there are other ways to keep California health plan premiums low. One of these options comes in the form of high deductibles. As a general rule, getting a health coverage plan with a high deductible corresponds to some of the lowest premiums available. Another option is adding a supplemental accident insurance policy to cut into that deductible for any accident-related injuries. These plans come with different amounts of coverage, up to $10,000, but keep the deductible down to $100.

Another strategy to keep CA health plan premiums low is quite a guarantee. Maintain your health with the best, and yet inexpensive, foods like vegetables that have high levels of nutrients. That makes it easy to cut both out-of-pocket costs for health care and CA health plan premiums because you won’t need health care beyond preventive services.

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