Points to Consider While Shopping for Health Insurance

December 1, 2009

Your lifestyle will affect the cost of your insurance coverage – if you smoke, are overweight, or have an otherwise unhealthy lifestyle, your insurance costs will be higher. Pre-existing medical conditions will also increase the cost of your insurance coverage.

Most plans cover normal medical expenses – but before signing anything, think about what other services you and your family are likely to need, and if the plans you’re considering cover those needs. This is where it pays to know about the medical history of your relatives, so that you can make decisions based upon what types of medical conditions might run in the family.

If you require specialist care, make sure your plan covers it.

Emergency care – usually a referral from your doctor is a prerequisite of emergency medical care. Some health insurance policies won’t pay for weekend hospital visits unless you are referred by your doctor, and some will require that you wait until a weekday if it’s not a matter of life and death. Check out these types of details before making a commitment.

Prescriptions – think about what prescriptions you currently need and what you may require in the future. Insurance plans vary as to the percentage you are required to pay on prescriptions, and some charge a flat fee rather than a percentage.

Supplemental insurance – dental insurance and chronic or acute illnesses such as cancer are not usually covered by normal health insurance. Dental insurance is usually covered by an entirely separate policy. Diseases such as cancer, or critical conditions such as heart attack or stroke, can quickly become expensive, and supplemental insurance is designed to kick in when regular health coverage is exhausted.


Tips for Flat Stomach

November 28, 2009

Add lots of fiber to your diet. Keep away from those nasty carbs like cakes, biscuits, etc. Lots of fiber will help your digestion and keep you nice and regular, which will stop that horrible feeling of a bloated stomach.

Create a strength training routine that addresses all of the major muscle groups. A nice trick I learned along the way is to increase the musce in your shoulders. This gives the appearance of a smaller waist. Working your whole body is more advantageous for many reasons.

Drink plenty of fluids. Water and unsweetened teas are best. Keeping the body properly hydrated will aid in digestion and elimination.

Increase your intake of Protein. If you fancy a snack eat some almond or pumpkin seeds. Increase white meats like chicken. Protein’s are great for building muscle, and will aid your plan for a flat stomach in a week, if that’s possible!

Participate in a cardio activity most days of the week. I recommend doing a mix of session lengths and intensity levels. The total workout time should typically be kept under an hour (including strength training). A few days should be medium intensity and medium length cardio sessions. A few days should be reserved for long sessions with low intensity. One day each for a higher intensity, shorter program and a rest day.

Cycling for Good health

November 27, 2009

Cycling is excellent aerobic exercise. It does not place undue stress on the body, but enables a good workout, which will reduce the risk of heart disease, and other illnesses associated with lack of fitness..

On your first day, cycle a block or cycle to work at a medium pace. Don’t try to race there – you will tire yourself out and you’ll be in no state to hit the office. Likewise its important to ease yourself in to an exercise programme, particularly if you haven’t been overly active for a few years or you’re looking to shift excess weight. With the coming days boost your intensity and your distance on your cycling regime, to start building up your fitness levels and to get you moving and burning calories and fat. Ultimately keep going up in intensity as your body can handle in order to leave you with the perfect introduction to a fitness for cycling programme.

Cycling for fitness reasons can be both fun and practical, and it can also help shift excess weight in no time at all. Try it today, after visiting your GP for a health check, and see what wonders can lie in store for you after beginning a more active, healthier lifestyle with a view to losing weight and feeling great.