Earn Your Child Care Credentials With An Online Degree

As the number of two-income household increase, more and more working parents are depending on day care centers to take care their children while they go out for work in day time. Parents know that children always come with surprises and they only trust child care providers that are trained to anticipate those surprises. Hence, if you want to success in this business, you need to earn your child care credentials and online education is one way to supplement your knowledge and experience with children to gain the trust of your potential customers.

What You Learn In Child Care Online Degree?

There are different kinds of children care online degree programs available. It’s range from early childhood education, children development to child study for grade 6 – 12 kids. Hence, you need to decide on one that best suit your child care business needs.

Basically, in children care related online degree programs, you will learn about education games, child growth and behaviors, child food nutrition, anticipation of children surprises and help children explore and learn about the world while developing relationships with peers and adults. If you are taking a degree related to business that focus on child care business, you will be taught on children management, activities planning and scheduling, socialization and much more.

Online Universities That Offer Child Care Online Degree Programs

There are a number of online universities that offer child care and children education related online degree programs. Among the online universities are:

  • University Of Phoenix Online University of Phoenix offers Master in Education with a Specialization in Early Childhood Education
  • Rasmussen College If you are interested to focus on children development, then Rasmussen College’s children development online degree program should be able to suit your need.

Choose Your Child Care Online Degree

Beside that, there are other online universities that offer child care online degree program, you could get most of information from internet, make a request to those online universities to send you a more details information of the course that you are interested in; request information from as many online universities as you can to make a comparison purpose on their online degree programs, information requests are free of charge; hence make use of it.

Accreditation

There are a lot of diploma mills offering “fake” degree. Hence, it is important to consider “Accreditation” when you choose your child care online degree. Make sure your selected online degree program is properly accredited by an accreditation agency that is recognized by U.S Department Of Education. Many “fake” degree programs do have accreditation but it is accredited by a “fake” accreditation agency. Hence, watch it of the potential trap of diploma mill when you choose your child care online degree program.

Summary

Your child care career will only be success if you manage to gain trust from parents. And getting an education online is an important way to earn trust or credentials as a child care provider.

Fast Food and Traditional Food

The term “cooking” includes a wide range of methods, tools and combination of ingredients to create the flavor and digestibility of food. Cooking technique, known as culinary art, generally requires the selection, measurement and combining of ingredients in a controlled procedure in an effort to achieve the desired result. Constraints on success include the variability of ingredients, ambient conditions, tools, and the skill of the individual cooking. The diversity of cooking worldwide is a reflection of many nutritional, artistic, agricultural, economic, cultural and religious considerations that impact upon it. Cooking requires applying heat to a food which usually chemically transforms it and changing its flavor, texture, appearance, and nutritional properties. There is archaeological evidence that the primitive human being used to cook their food with fire that was the most important thing discovered by the primitive human being. Cooking food and cuisine culture vary from country to country and from one culture to another and each cuisine has its specific particularity. Nowadays, because of the modern life that changes everything around us and influence our life style and eating habits, people are less preparing their own food. Eating habits tend to unify people from different society. The food production and the process of eating obtain new characteristics. Food available around us seems to be very different from the one that we used to eat.

Eating habits and modern life

Everything is running in high speed, people do not have time for cooking, don`t has the desire and patience to stay longer in the kitchen, and they don`t have the willing to prepare their own food. Old generation still prefer to cook their own food unlike young people who prefer to eat fast food because they don’t want to spend long time cooking and the desire for the cooking. The modern life shapes our eating habits and makes us like slave following its speed. It`s not hard to find fast food restaurant they are everywhere and every corner. Fast food consumption cause damages to the social and economic life of the country and leads to many health problems such as obesity and heart diseases according to many studies. Also, many nutrition experts from different countries have already declared the epidemic character of fast food. The rapid process of globalization and modern life influence our eating habits and gives opportunity to fast food restaurants to grow and flourish. Fast food seems to become very common everywhere, though some positive aspect of the fast food in easy to prepare, available in many places, and it is a substantial meal. But in other hand, we can estimate that its negative aspects are more important and bigger. I think it is easy to understand that fast food is one of phenomenon that is going to be accepted by people. We are going to see the process of disappearance of the traditional culture with the development of fast food restaurants in all countries all over the world.

How to fight fast food addiction

The best example of the fast food success to change the modern life is the invasion of the world’s food market by the giant fast food company such as McDonald, KFC and others. According to McDonald`s web site, McDonald has about 29.000 restaurants in 120 countries all over the world, and serves nearly 54 million customers each day. As well as it indicates the fact of such changing in eating preferences and even in the way of life itself. There is no doubt that right now fast food changes the face of many nations and eating habits around the world. To sum up, unfortunately, it is hard to prevent these global changes that traditional food is going to be replaced by new foods that common for all people in all countries all over the world. But the good news is that, recently there are some people and some movements which try to contrast the process of modern life and ask people to go back to their traditional food. To solve this problem we need restaurants that offers traditional food, and able to attract large amount of faithful customers. Also parents must teach their children how to prepare and cook the traditional food. Many People figure out that traditional food is much better for our health, so they want to preserve and keep the cooking tradition from evaporating. There is enormous hope of people to preserve their food preparation customs and tradition. The major obstacles are the modern life style. Some people might say that it is difficult to preserve our traditional food because it takes a long time to prepare and people today can not spend a long time in cooking. Other people, especially older people might say that, it is unfortunate to destroy culture and tradition. Those people might be right.

Conclusion

In these days, people have more health problems that are related with the new eating habits and fast food consumption. Despite some advantages of fast food the harm caused by fast food does not outweigh its benefit. I think that people should consider the negative fact of fast food consumption and the benefits of preparing their own food at home. It`s unfair that the traditional food which arrive to us from generation to generation we are going to replace it with junk food that will harm us more than benefit us. It`s unfortunate to lose the cooking tradition and eating homemade food prepared by our mothers together around the table. I am sure that all of us must think over this problem and try to find the appropriate solution to save our cultures, our traditional foods, and more importantly our health. So we should take action immediately to preserve traditional food and encourage people to prepare their own dishes, so they can stay healthy and live longer. Even though fast food is cheap, convenient, yummy and available in every corner in our cities, but that does not mean that our health is cheaper than the fast food that we eat.

If You Are Taking Digestive Health Medicine, You Need To Be Careful

It seems that all of us at one time or another feel a need for some kind of digestive health medicine. If by medicine you are referring to a natural treatment then you’re on the right track. If you want to take a prescription drug or non-prescription drug, you need to find out all the facts.

All drugs are unhealthy for you.

Of course, a certain pharmaceutical drug can save a live in an emergency but we as a modern society have become far too dependent on them and they are causing much more damage to some people than they are helping.

Pharmaceuticals are man-made synthetic drugs which leave potentially dangerous toxins in the body. It’s a proven fact that medications are the cause of certain disorders and disease so unless you absolutely have to take a drug for your condition, why not look at a natural alternative?

Digestive health in particular, is a great example of this. We eat a terrible, high processed diet for many years, until finally symptoms manifest because of certain nutrient deficiencies such as digestive enzymes and dietary fiber. Our body eventually needs quality nutrients or else parts of it will start to break down, just like your car if you don’t change the dirty oil and give it clean fuel.

Drugs are not made to cure a disease, only provide temporary treatment of recurring symptoms

Think about it, does a pharmaceutical company want to sell you a cure? Of course not. That would be the last sale they make to you for that problem. Our focus should be on digging a little deeper to find the true cause of the digestive health problem we’re dealing with.

If you have constipation, taking a laxative might give you some temporary relief but it won’t cure your problem for good. Extended laxative use can muscular functions of your bowel, can drain your body’s water, minerals and vitamins. Excessive use can also damage your kidneys.

Now, wouldn’t it be great to naturally cure constipation through the use of diet. Replacing high processed foods, and fast foods which don’t contain many quality nutrients, with real whole foods? Add fresh fruits, raw and steamed vegetables and then replace your processed grains such as white bread and rice with whole grain bread and brown rice. Get the idea?

These wholesome foods will add more dietary fiber, more vitamins, more minerals and digestive enzymes which will help in your body’s digestion and also absorb more of the nutrients from these foods.

Remember, digestive health medicines are a waste of time and money. You need to think about a cure, and that can be done with quality nutrients.

Let food be your medicine and medicine be your food.” – Hippocrates, 400 BC

Panic Disorder in Children – Caring For Them

Panic attacks are a rough thing for anyone to experience. These bouts of intense fear and panic often leave a lasting impression of the effects. Although millions suffer each year from this, it is not just limited to adults. Quite often just as adults can be affected with panic disorder, children can be too.

As parents, witnessing our children going through such an event can be a trying period of time for both the parent and child. Just as we may feel extremely stressed and worried about our young one, imagine how they feel too. We need to do what we can, but how do we care for them when these attacks occur?

The first thing that usually comes to mind, is the thought of calming them down. There are many different ways to go about this, and how effective they may be can differ from child to child. With this being said, there are a few generally effective things we can do.

When a panic attack occurs, our presence may often be one of the few things that can get through to them. Hold them close, and let them hear your reassuring voice. This will tend to bring about a sense of security within them, and could help them to calm down sooner.

Be more active with them. By this I mean talking with them more, being a little more involved with their activities. Understand them a little better, so you can spot the things that may trigger their panic attacks. Through your guidance, you may be able to help them overcome those fears and reduce the occurrences of attacks.

Doing this will also create a better bond. This will in turn act as a solid form of support for the child, something that is desperately needed during this period of time. Try to have open conversation and reassure them that everything will be fine. Reassurance from a parent can be very powerful.

The Fast Food Industry – You Pay Them to Kill You, While Still Making Hefty Profits

The power of advertising has made the public rethink their unhealthy habits. After the September 11th terrorist attack, the marketing department of the Department of Health used this angle to decrease the desire in young adults to use drugs. We’ve all seen these public service announcements from time to time, and I have mentioned them previously: “My drug habit lead to the ruination of lives far from where I live, I am directly helping organized crime… In other words, my drug use has financed murder…”

This chapter is using another angle to get the right point across. “Today, I built up the plaques in my arteries, I increased my triglyceride level by 30%.” I guess this is a blunt way to make a point. By eating fast food, you literally finance your death.

While several worthwhile books have been written in recent years about the broader social implications of a meat-centered diet (Erik Marcus’ “Vegan: The New Ethics of Eating”, Gail Eisnitz’s “Slaughterhouse”, and Howard Lyman’s “Mad Cowboy”, to name a few), none has been greeted more warmly by the mainstream press than Eric Schlosser’s “Fast Food Nation”. They all make one point in common: the dangers of eating fast food. In spite of this bad press, we haven’t seen many fast food corporate giants go under. Actually, some are doing very well, indeed. How can we comprehend the fact that despite everything that health magazines, newspapers, and television documentaries say about the dangers in the food we eat, such as hamburgers, fries, soft drinks, etc., people still find themselves filling the seats of these restaurants without thinking about the consequences of their actions? We are talking about your health here. A well-researched and trenchant expose of the fast food industry has caused some people to sit up, take notice, and perhaps even rethink their unhealthy eating habits.

It is obvious that a book talking about the causes of obesity talks about the fast food industry as well. Eric Schlosser’s book “Fast Food Nation” has enabled many to understand how fast food is being processed. Today McDonald’s is the country’s largest purchaser of beef, pork, and potatoes, and it’s the second biggest purchaser of chicken – which should seem obvious to us all. With their restaurants in every corner of America and beyond, millions of tons of meat and poultry are being processed in the slaughterhouses that supply meat to McDonald’s.

They can only offer their promotions, 2 burgers for $2.22, if their expenses are low. The point here is to make you realize that each time you enter their restaurants, order food, and pay the cashier to eat their food, you are signing your death warrant. Some statistics are truly staggering: In the early 1970’s, Americans spent about $6 billion on fast food; in 2000, they shelled out more than $110 billion, more than they spent on higher education, computers, or new cars. McDonald’s operates about 28,000 restaurants worldwide and opens 2,000 more every year. That equals six McDonald’s/day. If they follow the same trend for the next decade, they might reach the 50,000 franchises mark. In real life, opening more franchises will mostly send more Americans to their doctors or the emergency room to get diagnosed with several diseases, including high cholesterol, diabetes, and obesity. There is at least one positive outlook of these corporate giants. They keep our labor force working by creating many jobs in America and abroad. The 3.5 million fast food workers are by far the largest group of minimum-wage workers in the world; not too bad for the fast food industry.

However, creating jobs should not be used as an excuse, though. They are still convincing people to eat their food by using the media and other sources of advertising. Fast food chains collectively spend about $3 billion annually on television advertising, most of it directed at children-talk about creative marketing. By reaching out to kids, they (the fast food giants) assure themselves a future. What is the point in reaching the older crowd since they are already hooked to their food? They need to reach a virgin market. Yep, ladies and gentlemen, they are targeting your kids. While you are trying your best to teach your kids to adopt a healthy lifestyle by making their lunch everyday, making them participate in after school sports activities, encouraging them to avoid unhealthy temptation, the industry is spending several millions dollars to brainwash them about what food to eat. I guess you agree with me that these are counter-productive measures. Can this ever end? I don’t think so. Unless Congress confronts one of the underlying factors in health costs for the country, we might never see any progress.

There is some good news, though. We’ve seen some changes in this industry in the past few years. McDonald’s and other fast food chains have tried to implement some healthy items in their menus. Americans are finally seeing some choices offered to them: salad in a cup accompanied by low fat salad dressings is one positive result. Although, most consumers are still not ordering these healthier items, they do have the choice anytime they desire.

Diners can now order salads, baked potatoes and grilled chicken sandwiches, some of which weren’t on restaurants’ original menus. Jeff Bonasia, Burger King’s Senior Director of Product Marketing, says customer surveys revealed that 41 percent of Burger King’s “heavy users”, the beef eaters, wanted a vegetarian burger on their menu.

“We’re not necessarily going out to appeal to people who are strict vegans or vegetarians,” Mr. Bonasia says. “It’s meant to provide more choice and variety for the people who love burgers.” When the BK Veggie Burger idea came up, Burger King officials envisioned it as anchoring a nutritious meal combination, possibly paired with a side salad and bottled water. That didn’t register with customers, Mr. Bonasia says. “Their reaction was, ‘I’ll get the Veggie Burger, and I’ll have my fries’,” he says. Most fast-food chains supply customers with the nutritional content of their menu items, either through Web postings or handout guides.

Fast-food restaurants may have consistent menus, but items typically can be customized on request. Often, Ms. Gensler, a Chevy Chase Maryland Dietician, says, “the delivery time of such meals is the same as with a standard order”. “Today’s consumers appreciate a flexible, heart-friendly menu,” says Wendy’s company spokesman Bob Bertini. The burger chain just went nationwide with four new entree salads after successfully test-marketing them last year in five cities. The Garden Sensations salad lineup offers “ingredients that consumers are not used to seeing [in a fast food restaurant],” Mr. Bertini says, from Mandarin Chicken Salad to crispy rice noodles and roasted almonds. Condiments are included separately.

“The whole approach now is not as much on strict diet regimes … it’s more now about balance and choices,” he says.

“For too many, those choices involve super-, mega- or ultra-sizing the meal in question,” says Keith Ayoob, a registered dietitian in New York and spokesman for the American Dietetic Association. Super-sized meals also contain excess fat, salt, and sugar, the three main items people crave. The chains (fast foods giants, that is) “know exactly what they’re doing,” Mr. Ayoob says.
Too much fast food leaves diners susceptible to weight gain and all its risks, including diabetes and high blood pressure, not to mention the strain on the heart. Moreover, fast food tends to offer small amounts of fruits, vegetables and fiber, three components that counteract obesity and other health woes. Mr. Ayoob says: “Americans won’t stop eating fast food, but if they eat it wisely, there is nothing necessarily wrong with that”. “Go eat it, but eat smart,” he says. “Find the food there you like the most and have it in a more modest portion. As long as your weight is being maintained and you eat a low-fat, balanced diet,” he says, “An occasional journey into a fast-food restaurant should present no problem.

Give Your Loved Ones the Best Family Healthcare

There are many times when despite all the precautions, you fall ill. It is therefore important that people have the ability to get treated at such times. Family healthcare is one of the most basic needs of man. People need to seek treatment as soon as the first signs and symptoms of an illness show up. It is important that people are able to get the required medication and cure for their problem as soon as it starts lest it should turn into something far worse. Often minor problems could lead to major ones. When family members try to avoid going to a doctor, or getting treatment, it is mainly because the cost of treatment is too high for them to bear.

Family healthcare is one of the most important thoughts on the minds of the elders in the house. When it comes to children, the numbers of problems they can face by just going out of the house to play are countless. Since there are numerous infections in the air, it is difficult for anyone to stay protected from all illnesses. It is the same with adults in the house, when you are in office, at the market, or just at a neighbor’s house, you are vulnerable to a large number of illnesses. Family healthcare does not just mean that when a member is sick, he/she gets treatment. It rather means that when a person is hale and hearty, he/she should get regular check-ups to stay the same.

Whether it is the kids in the family or the adults, treatment for medical problems is seldom cheap. Everyone wants the best family healthcare for their family. But this means that people have to spend a lot of money on the same. This can easily be avoided with a medical insurance plan. The policy would pay for all the healthcare problems undergone by family members. At the same time, if the members use the plans wisely, then they have a better chance of staying healthy and leading a happy life.

People thus have the chance of staying healthy without having to pay much. The health insurance plan would take care of most aspects of family healthcare-inpatient treatment, day-care procedures, and other such problems. However, most such plans do not cover outpatient treatments. But there are plans that cover outpatient consultations, dental treatments, spectacles, etc. also. These are known as outpatient benefit plans.

All healthcare problems that a family faces can be dealt with. But the cost of doing so makes it difficult to get the right quality of treatment for individuals. There is the option of availing health insurance policies to cut the cost of family healthcare. But the problem is that people have the inclination to get the right health insurance plan for family members but they just get confused in selecting the right one.

When selecting the plan, one should remember that the policy is meant to get the family all the healthcare assistance it needs. This means that even pre-existing and hereditary diseases should be covered. However, it is not necessary that they be covered from the very first day. Such illnesses are often covered after a waiting period. One should be well aware of the waiting period before buying the policy.

A family is meant to share everything-happiness, sadness and problems. However, in most families, there are few earning members and more dependents. This means that while there are some members who earn money, there are more who spend the same. Thus the fiscal strain that is felt by the earning member can be easily understood. He/she has to provide for the needs of the whole family. However, when the cost of nearly everything around us is increasing, there is seldom any means by which all the ambitions of a family can be fulfilled. Family healthcare is one of the most difficult aspects of a family budget.

There are times when a person has the option of getting treatment that he/she needs, but in order to save money they avoid the same. This leads to further problems. Since there is no means of predicting the problems faced, one cannot tell the cost needed to deal with the same. The cost of healthcare is ever increasing. As time goes by this cost is going to go up manifold. It is important to stay protected against such high costs, so that there is no compromise on family healthcare and at the same time no stress on the earning members.

There are insurance plans that can come to the aid of a person at such times. However, the problem is that people often feel that they do not have the means of buying a health insurance plan. This is contrary to the reality. When a person cannot afford a mediclaim plan, there is no means by which he/she can afford the cost of treatment. Thus it is best to save money enough for a health plan and then buy the same. Also, one must be able to understand the offerings of the plan one is purchasing. The insurance plans are available with variety of offerings and in different values of sum insured. First, one needs to select the cover of benefits he/she is looking for and then accordingly he/she can choose a plan.

Apollo Munich offers comprehensive plans that are designed to take care of a family’s healthcare needs and give them adequate coverage for all medical problems that are likely to arise. It puts up the policy wordings on the website of the company in very transparent and simple terms. One can also buy and renew plans on its site. All the plans are designed t provide all-round family healthcare coverage. Apollo Munich offers mediclaim policies that are designed to give all-round protection to families. There are a variety of policies which are designed for the same.

Affordable Dental Care Available

Affordable dental care is available. Dental care may be one of the most unmet health care needs but if it’s affordable, your needs can be met. When you forgo dental care, you may be putting yourself at risk for more serious health conditions. It is bad enough that you will lose your teeth if you do not take care of them, but you may also be affecting your brain, heart, and immune system as well. According to the American Dental Association (ADA), the gum disease that causes tooth loss (called periodontitis) is associated with other more serious conditions like bacterial pneumonia, stroke, and cardiovascular disease. There are other reports that indicate an unhealthy mouth may be linked to diabetes. Without the proper dental care, small cavities or painful teeth can lead to more serious conditions than just tooth decay. You should not delay making an appointment.

Affordable dental care is available for people on a budget in the form of a “discount dental plan”. What is this? It is an alternative to traditional dental insurance that allows you to see a dentist quickly without breaking your wallet. Many major insurance companies offer an affordable dental care package that offers comprehensive coverage at a discounted price. This is to help people on a budget get the care they need quickly.

Discount dental plans are different from traditional insurance in four different ways:

#1 – Instant savings. Once you have your membership, you get a discount of 10-60% off of most procedures. You pay the dentist directly for their services and there are no hidden fees. For example, you need a procedure that usually costs $249. As a member of the discount network, you are eligible for a 60% discount on that procedure. Therefore, you would only have to pay $99 to get your dental work done ($249 – 60% = $99). That’s it. No additional fees will be charged. This significantly reduced rate allows you to get affordable dental care quickly. If you need to make payment arrangements, you can discuss it directly with the dentist.

#2 No paperwork hassles. With traditional insurance, there is a lengthy waiting period that you must go through while the insurance company decides whether or not you are eligible for coverage. This is called the underwriting period. There is no lengthy underwriting period with a discount plan. Your membership is usually active within 3 business days from the time you join the discount network. If you choose coverage for your family, they will be covered at the same time you are.

#3 – No monthly premiums. There are no monthly bills to pay. Once you have your discount plan membership, you are covered for an entire year.

#4 – No deductibles. There are no deductibles to pay before your benefits kick in. Once you are a member of the network, you are fully eligible for member savings. The dentists in the network offer their dental care services to members at a significantly reduced rate.

What You Must Know About Family Medicine

A Primary care physician is required for those who have certain types of health care coverage plans. This type of doctor can perform physical exams, write prescriptions for your medication, make diagnoses, and treat common illnesses, ailments, and some chronic diseases like diabetes. You can locate primary care doctors in the online business directory, local telephone directory or a physician referral service can refer you to one in your area or surrounding area. These types of doctors provide care to all family members like adults, teens, children, and babies. Sometimes they may refer babies to a pediatric specialist. These doctors can be contacted online or by phone and many of them require you schedule an appointment unless you have an emergency.

Family medicine is also called family practice and this is known as a medical specialty devoted to people of all ages for comprehensive healthcare. If you have been diagnosed with a serious or disabling condition, then this type of practice will refer you to a qualified specialist who can treat you. When you make an appointment to be seen a the family practice, a representative, receptionist, or nurse will schedule one for you. When you arrive for your appointment, the nurse will record your vital signs and then the doctor will visit with you to treat your medical condition.

If you or your family member need a general doctor to treat minor illnesses or ailments, then you may schedule an appointment to be seen by a regular family doctor. This doctor can provide basic treatment and medication to all members of your immediate family. These doctors keep charts on file on your medical records and medical history. Sometimes this type of doctor may be able to help you with prescription medication costs by giving you sample medications they have in stock in their office. This type of doctor usually does not write prescriptions for narcotic pain killers. They can prescribe anti-inflammatory drugs for pain. Only a pain specialist can prescribe narcotic pain killers.

A family physician can provide the same quality healthcare as a family healthcare doctor, a primary care doctor or a family RN. They can provide medical treatment to all family members of all ages. They offer many great resources to help you understand your medical condition. They monitor your weight by taking measure with a scale. Their nurses in the office take blood pressure readings and record them on their charts. They can monitor blood glucose levels too. They have blood glucose monitors in their office. Some of these physicians will accept walk-in patients. They accept new patients too. New patients will be required to fill out some information regarding their medical history and any drugs they may be allergic to.

Seeing a doctor for your healthcare needs will help you to improve your overall health and self-esteem. They can help you with weight control by providing you with a weight loss diet or refer you to a nutritionist. Family medicine doctors accept a variety of forms of payments that include cash online payments, payments by phone, credit cards, debit cards, e-checks, and bank checks and bank cards. They will also accept health insurance payments and their office staff will work directly with your insurance care provider to collect the payments for medical services provided to you. They make paying simple, easy and fast for their patients. If your medical problem cannot be treated with out-patient care services, these doctors have the authority to admit you for hospitalization in-patient services. After you have been admitted to the hospital, he will treat, run medical tests and prescribe medication for you.

If you have been experiencing problems with your health, seeing a doctor can greatly increase your chances for faster recovery and you will soon be back to your normal daily routine. Sometimes medical conditions can interfere with work. A family doctor can help you get back to work faster if you receive the right treatment and medication for your medical problem.

Buying Individual Health Insurance: 3 Essential Tips From a Health Insurance Specialist

When you’re buying individual health insurance, you’ll probably get overwhelmed by the prices and options of health plans online. Health insurance is now one of the more expensive items in the budgets of many people, but it can also be one of the best decisions you make if you have some know-how selecting the right health plan for you and your family. Here I will give you the 3 Essential Tips that I advise my clients to use when purchasing individual health coverage.

Tip 1: Do not take health insurance advice from someone that is totally unqualified to give you this advice!!

I cannot stress this enough. It amazes me how many sensible people take advice about what health insurance to choose from people who are totally unqualified to give you this critical advice. For example, when I see health insurance messes, (which I see virtually every day) and I ask where they got their health plan information, I inevitably hear things like: “My brother-in- law told me to choose this health plan, he used to work at the hospital.” or “I read an article that says this is the best plan available.” And so on. Everyone’s got an opinion about what health plan you should choose. Just because they are your relative, or involved in some area of health care totally unrelated to insurance, does not mean they know the answers to your individual needs and questions! Work with an insurance specialist BEFORE the problems come up! You have no idea how many clients I have worked with come to me after they chose a health plan online and then have an insurance coverage issue and expect me to fix it, I want to tell them: you should have come to me for help before! Most insurance specialists get paid through insurance carriers, so their services are free to you. USE THEM!!

Tip 2: Determine your actual needs.

The three things to keep in mind when determining your needs are: budget, patterns of doctor and hospital visits, and prescription drug usage. Ask yourself these questions: How frequently do you visit your doctor? Do you go for checkups only or do you go for sick visits? How many times have you been in the hospital in the past 2 years? Do you take regular prescriptions? What are they? Generic or Brands? This is another area where most of my clients neglect. It is not possible to have maximum coverage in all of these areas in any affordable way, maximum coverage for the doctor and hospital plus prescriptions leaves a dent in the budget. However, most health insurance plans offer more than one version of the same plan. For example, say you have “health plan A” that offers maximum coverage for the doctor, maximum coverage for the hospital, and maximum coverage for your prescription drugs. But “health plan A” costs the same as your mortgage. The good news is “Health Plan A” most likely also has customization options, meaning if after analyzing your needs, you discover that you rarely visit a hospital, you could change “health plan A’ s” hospital coverage to moderate or even minimal which will bring down the premium a great deal. If these options are confusing to you, again, a health insurance specialist will be able to help you. They are already aware of “health plan A’ s” customization features and can match your needs to the appropriate version of “health plan A”. A health insurance specialist also has access to versions of health plans that aren’t available as options to the average consumer buying health insurance online.

Tip 3: Resist the urge to over-insure!!

After you’ve analyzed your needs, resist the urge to over-insure! One of the most common health insurance messes I see is over-insurance. People think that if they have maximum coverage for doctors, hospitals, and prescriptions, they have “good” insurance. The truth is, most people who will be approved for individual health insurance won’t need all this coverage. Two things I advise my clients to be aware of: Health Care Reform and Stop-Loss. First, Health Care Reform allows for preventive care services to be covered at 100%. For example, if you only get checkups, why enroll in the plan with 100% doctor’s visit coverage? Enroll in the plan with a lower premium and pay a $10 copay for your sick visit. The difference in premium with this small detail is $100’s of dollars! Furthermore, some of these “maximum coverage” health insurance plans exclude things like pregnancy. The last thing you want to do is pay a small fortune for “good” health insurance only to discover it won’t cover something you need it for! Second, most health insurance plans have a stop-loss built into them which basically states that when your out-of-pocket costs reach a certain amount, the plan will cover you at 100% for all services. And you don’t need the “maximum coverage” plan for this benefit. Your health insurance specialist can even customize this stop-loss amount!

Then, select your plan after following My 3 Essential Tips:

1. Do not take health insurance advice from someone unqualified to offer this advice. Seek a health insurance specialist, they have studied and are licensed to offer this advice and they’re free to you. USE THEM!!

2. Consider your actual needs. Ask yourself questions so you know what your specific health plan needs are, that way you can make sure you select a plan that meets them. After all, if you don’t know what you actually need in a plan, how will you know if you’ve come across the right fit?

3. Resist the urge to over-insure! Health Care Reform has changed how many plans work and you may be able to receive ample or superlative coverage without over-insuring. And most importantly, without the hefty premiums!

There you have it, online health insurance shoppers! I hope this was helpful!

Some Helpful Dental Care Tips

Dental care involves taking proper care of your teeth, gums as well as related structures of your mouth. It encompasses preventing and treating diseases of the teeth and gum and replacing or repairing defective teeth. In most cases, people suffer from dental diseases due to poor brushing, unbalanced diet, and negligence to dental care. This leads to numerous dental problems, which can be expensive, painful, complex, and time consuming. Most of the dental diseases can be prevented by paying much attention to the daily dental care. Proper dental hygiene is not only crucial to our physical appearance, but also essential to the well-being of our body. Below are several dental care tips that will help improve your health and look.

Brush your teeth after each meal

The ideal dental care involves brushing your teeth after each meal. Use soft bristle toothbrush and fluoride and carefully brush along all the surfaces of the teeth in a back and forth motion. It is important to avoid brushing your teeth too vigorously as this can wear down teeth structures. To thoroughly clean each tooth, change the position of your brush after few strokes.

Take your time when you brush

Most people brush for as little as twenty seconds, which is not long enough to get rid of most of the plagues. You should brush for at least two minutes every time you brush your teeth. While you have to brush after every meal, it is before bedtime and after bedtime that is the most crucial.

Flossing techniques

For proper dental care, proper flossing technique must be used. Use about 18 inches floss and wrap both ends against each of your middle fingers. Firmly hold the floss between your thumb and forefinger on each hand. Pool the floss between each other gently, rubbing against the sides of your teeth.

Regular dental checkup

It is essential to visit the dentist at least once every three to four months. Getting your teeth checked by a dentist will help detect any oral problem early. There are no dental signs associated with many oral health problems until the condition has developed to the advanced stage. You should not hesitate to visit the dentist if you have a tooth ache.

Use mouthwash twice a day

For proper dental care, mouthwashes are imperative as they will keep your breath fresh and your mouth feeling clean. They contain effective antiseptic properties that slay the bacterial plaque. It is also vital to maintain a good balanced diet, and reduce the consumption of starchy and sugary foods that are known to trigger tooth decay. To maintain good dental care, avoid consuming between meal because it will make your teeth prone to decay.

Avoid smoking

For a good dental care, smoking should be avoided as it can cause tooth decay, bad breath, tooth discoloration, and gum disease. Some of the other bad effects of smoking are hairy tongue, mouth bores, delaying wound healing, shifting teeth, jaw bone loss among others.

Dental care in an important part of general health and proper oral health gives a sense of overall well-being. By performing daily care of your mouth, gum diseases and tooth decay will stay at bay.