Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for health insurance. Do you just pay for Health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.

If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total – not separately – you would pay 100%).

Now, once the deductible is met, the insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let’s say you need to have some tests done and your family has met all your deductibles. Let’s also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let’s say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the Insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.

Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don’t pay anything.

Last, there is a co-pay – what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).

And that’s the short version of how insurance works.

Let’s say there’s a family, and there’s three different prescriptions for different medications within the family. Let’s say the Dad is paying for Health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I’m confused.

When you get health insurance, there is what is called a premium. This is the amount you pay on a scheduled basis. For instance, if you get insurance through your employer, you would pay your part of the premium each payday.

If you pay your premiums on time, you get to keep your insurance. Now, when you use your insurance, there is what is called a deductible. This is an amount of money you must spend before the insurance starts paying anything. A typical deductible might be $250/year for the policy holder and $500/year for the family. So, if your dad had the policy and went to get a prescription, if it was his first prescription of the year and it cost $100, he would pay $100. Every time he used stuff under the plan, he would pay everything until he hit the $250 deductible, then the insurance would kick in. (the same goes for the family coverage, until the $500 was met by everybody in total – not separately – you would pay 100%).

Now, once the deductible is met, the Insurance starts picking up some of the costs…usually the costs are based on what doctor or provider you use. If you use someone who is called "in network" the insurance company pays more of the bill. They do this because they have negotiated lower costs with that provider. For example, let’s say you need to have some tests done and your family has met all your deductibles. Let’s also say the tests normally cost $200. If you go to an in network provider, the insurance would cover 80%. If you go out of network, the insurance might only cover 70%. Now the nice thing is, by going in network, you get the discounted price, let’s say $160. So, if you go in network, you would pay $32 for the tests and the insurance would pay $128 (totaling $160). If you went out of network, you would pay the 30% of $200 or $60 and the insurance company would pay $140. So, by staying in-network, both you and your insurance company save money.

Also, there is something called an out-of-pocket maximum. This just means that if someone in your family gets real sick or injured, the most you can pay for that year is the out-of-pocket max…say $5,000. Once you hit that, everything after that is covered 100% by your insurance and you don’t pay anything.

Last, there is a co-pay – what this means is that if you go to the doctor for a routine visit, it is usually covered without worrying about the deductible and you pay just the co-pay. usually this is $15 or $20 on say a $100 office visit and the insurance company pays the rest (based on a negotiated amount).

And that’s the short version of how insurance works.

I need 12 examples so a little help would be nice! Thanks so much to whoever helps. I really need it! By the way, by public health care I mean Canadian health care. So like, free health care but higher taxes.

I’m from California & I’m not sure about your question, but I’ll say some stuff I know. Half of my relatives are in Canada & although I’m poor, several of my Canadian Uncles, Cousins, etc., are doing quite well financially. Every one of them LOVE the health care in Canada & look with disgust at the USA. Health care in America is much more expensive & less available because it is a FOR PROFIT industry. Drugs are extremely overpriced & the insurance companies care about your Health as much as they care about the stuff they just expelled into their toilets. They will DENY you coverage on anything. All they need to do is find an excuse to drop you, that is, when you make a claim. They’ve got the most educated lawyers who do nothing but try to save the Insurance companies money. We are the most backward "First World" country on this planet morally in regards to caring about it’s own citizens. Here is a site to look into. & there are many more on the internet. http://www.pnhp.org/facts/singlepayer_faq.php If you’re mostly concerned about Canada’s situation, keep looking on the web. I’m sure you’ll find something. And remember, Insurance companies are only concerned with profit!

I know there are lots of reasons to cut meat out of your diet. The one I personally find the most reasonable is for your health. I have met several people who have become vegetarian or vegan for "Health reasons".

So I’m wondering, what are these health benefits? Is meat not healthy? Why does cutting meat from your diet make you a healthier person?

Just because someone says they are vegetarian or vegan doesn’t necessarily mean that they are healthier. It depends on the protein sources they are eating in place of meat. You can do it right, but most people dont, and I have found that veg eat way too much sugar.

Key reasons: benefit to the planet, it takes a lot less resources to grow vegetables for Food consumption than it takes to grow cows (also responsible for disappearing rain forests), plus, it doesn’t support factory farming practices which are not only horribly cruel to animals in that they have horrible living conditions, but also, this type of farming is Environmentally destructive.

I was veg for about 6 years. Health benefits (if you do it right with nutrition focus), you can find a better pH balance. Most people in our culture are too acidic, meats, dairy, animal products, and even beans and brown rice are all high acidity pathways in metabolizing in the body. Because the body needs to maintain a balance, it draws Calcium from the bones to counter the acid levels of metabolizing these proteins. A main cause for Osteoporosis is this high acidity level (if it were just about getting calcium, US would not have the highest rates of milk consumption and osteoporosis).

America would do better to eat less meat, and more fruits and vegetables. We need only a fraction of the protein we are getting daily.

Cyprus seems to me the best bet if you are British. It has a low crime rate and English is their second language.
What happens if you get sick, or just want to see a doctor?
Is their some agreement between UK and EU countries about getting free health care or not? It’s very difficult to get information about all this.
What about over-sixtyfives? Health Insurance does not pay for pre-existing conditions !

This might help, it looks as though if you’re a pensioner you get an E 121 form which gives you treatment as an EU national, that is if you’re talking about the Greek part that is in the EU
http://www.cyprusshelteredhousing.com/euentitlement.html

Is it OK to have just the Health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?

Health Insurance is the one that pays for your medical expenses should you incur one. While health care program is designed for the continuity better living despite health disability.. Long Term Health Care Program is best be planned ahead.

If you find it suitable for you, then it’s fine. Otherwise, seek for a medical/legal health expert for a better advise.

1.What is good Food?
2.What is a balanced diet?
3.Why is this important?
4. Why is sensible exersize important?
5. What parts of the body does it benefit?
6. Why should we take time out to relax and rest?

Please number the awsner your giveing.. this is really important.. xxxxxx

OMG!!! LOLOLOL. HOW MANY POSTS ARE YOU GOING TO POST CONCERNING YOUR HomeWORK??? PLEASE DO IT YOURSELF. USE GOOGLE. IT IS GREAT! GOOD LUCK! LOLOLOL

Health and fitness

yes………………………..!

I already have pretty good health, for example I go to a gym regularly and buy my own Health foods. But this does tend to be quite expensive at times. What can I do to save money but improve my health?

For optimal health, I advocate a low carb way of eating. As long as you have <9grams carbs per hour, you will maintain insulin control & shouldn’t gain weight, no matter the calories, because insulin (the ONLY fat storage hormone) isn’t activated.

I personally believe in using fat as fuel instead of carbohydrates. Fat is totally benign in the absence of insulin. There aren’t enough calories in vegetables & fruits to fuel the body, if you get enough calories from carbs to fuel the body, then you maintain an almost constant high insulin level with roller coaster blood glucose levels. I recommend fats from butter, coconut, olives, nuts, fish & meats, chia seeds & flax seeds.

When you restrict higher carb, lower nutrition foods, it becomes much easier to greatly increase vegetables in your diet. Change your mindset just adapt it to low carb -
replace bread with lettuce
replace pasta with cabbage
replace rice with cauliflower
replace potatoes with brocolli

High carb levels trigger insulin which unbalance other hormones, promote inflammation, weight gain, hunger. Controlling insulin levels will balance out other hormones and allow sex hormones (testosterone in men) & human growth hormone (HGH) to be produced naturally so lean muscle will be gained even without exercise. Any exercise will greatly increase muscle mass with high HGH levels.

Simple carbohydrates (sugar, flour, bread, cereal, pasta, potatoes, rice) trigger insulin which can store the calories eaten into fat. The more protein the more the fat burning hormone glucagon is released. The more carbohydrate the more the fat storage hormone insulin is released.

Highly nutritious foods you should consider: sprouts, spirulina, paprika, turnip greens, mustard greens, kale, garlic, brewers yeast, raw almonds, ground flax seeds & chia seeds.

Paprika – 1 Tablespoon = 20 cal = 71% DV Vit.A – 8% DV Vit.C – 10% DV Vit.E – 14% DV Vit.B6 – 9% DV Iron & others way too many to list.

Brewer’s Yeast Powder – Two tblspns. provide a whole lot of nutrition! 158% RDA Chromium – 90% Selenium – 88% B2 – 80% B1 – 50% Copper – 50% Niacin – 40% B6 & others way too many to list. It tastes peanutty to me. I have been adding it to sesame butter, a lil raw honey, coconut cream & coconut oil, powdered whey and tastes like peanut butter to me!

Chia seeds sound so expensive but 1# will make 10# Food – Amazon.com has couple lbs. for $16 shipped to you. I buy in bulk (24#) from getchia.com for $5.83# with free shipping.

Chia seeds – 3.5 oz is nearly 500 calories, half calories from fat (high in Omega3 fatty acids) 38g fiber 151%DV & 16grams of COMPLETE protein for 6grams carbs & 63% DV Calcium – 95% Phosphorus – 23% Zinc – 9% Copper – 108% Manganese.

Faux tapioca – 2 cups of water, 5 scoops of low carb whey protein powder, stir together & add cup of chia seeds, after they have started to absorb the water, add in 2 cans of coconut milk & sweetener if you like and mix it all in. Can be eaten after an hour but will be better tomorrow. Cream a pkg. of cream cheese into a can of pumpkin and add to the faux tapioca for an even more nutritious pumpkin pie pudding.

Ground flax seed (2-4 Tbsp) 1/4 cup water, sweetener, cinnamon & mix in a raw egg – let sit 10 min. to absorb liquid, put some cream cheese in the middle & nuke 2 minutes. Suggested for daily fiber needs.

I have been making a "porridge" every day lately as suggested by Dr.Mercola. A low carb whey powder & water, I add ground flax seeds, chia seeds, sunflower seeds, almonds, coconut milk, tahini (ground sesame seeds) & raw egg. All seeds & nuts are raw & soaked to germinate them.

Flax seed – 3.5oz – 534 cal – 65% calories from fat (high in Omega3 fatty acids) for 2gram carb – 27g fiber 109%DV – 26% DV Calcium – 64% Phosphorus – 29% Zinc – 61% Copper – 124% Manganese – 36% Selenium – 98% Magnesium – 32% Iron – 110% Thiamin – 9% B2 Riboflavin – 15% B3 Niacin – 24% Vit.B6 – 22% Folate – 10% Vit.B5.- 39% Potassium

Raw nuts are living and full of the energy of life and should be capable of building a tree. Roasted nuts are dead & they may still provide some nutrients, but none can compare to the nutrients and enzymes from a live food.

Unfortunately, raw does not necessarily mean living.

For example – Commercially sold almonds are now required to be pasteurized turning a live food into a dead one. You can not sprout an almond that has been irradiated. I buy my almonds direct from growers off ebay. I get 20# for less than $3# including shipping.

Almonds- 3.5oz – 575 cal – 72% calories from fat for 10gram carb & 26% DV Calcium – 48% Phosphorus – 21% Zinc – 50% Copper – 114% Manganese – 4% Selenium – 67% Magnesium – 21% Iron – 14% Thiamin – 60% B2 Riboflavin – 17% B3 Niacin – 7% Vit.B6 – 12% Folate – 5% Vit.B5.- 131% Vit.E – Potassium 20%

Brazil Nuts- 3.5oz – 656 cal – 85% calories from fat for 4gram carb & 16% DV Calcium – 73% Phosphorus – 27% Zinc – 87% Copper – 61% Manganese – 2739%

Hi,

I suffer from toenail fungus, and I’ve tried ALL Home remedies available without success. I’m also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are:

1. Which Health insurance plans offer the best coverage to treat toenail fungus?
2. Do they cover the medication and the surgery required in some cases to remove the toenail?

Thank you for all your help!

most Insurance will cover the costs you mention if the doctor thinks it is medically necessary.