Archive for February, 2009

Sensible Weight Loss

Tuesday, February 24th, 2009

There are healthy ways and not so healthy ways to take off the pounds.  Do you know the difference and can make a difference to your healthThe most sensible way to do it is slow. We all would like a quick fix, but a quick fix is short lived. I am about to say something that we all know, but tend to ignore. The best way to achieve a healthy weight is to reduce calories and exercise.

And I don’t mean drastically reduce calories. A safe weight loss is 1-2 pounds a week, not 5-10. If you are losing 5-10 pounds a week you are not getting enough nutrition. All sorts of nasty things can happen to your body. For one your metabolism will slow and who wants that to happen?

It gets worse. Your body will be deprived. You will not get enough vitamins and pills can not replace that kind of loss. You will be tired all the time. You will lose muscle, which is a key ingredient for weight loss. You will have skin that looks and feels 10 years older and yup, your hair will fall out.

Instead you should opt for a healthy diet of at least 3 meals a day. Five mini meals is even better. Exercise at least 3 times a week for at least 30 minutes at a time. Drink plenty of water and visit your doctor for a complete health evaluation.

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New Health Insurance Law

Monday, February 23rd, 2009

In October of 2008 the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 was signed. The new law has made medical history and a huge impact on health insurance. The new law requires that health insurance plans (of groups more than 50) must use the same benefits for mental illness and substance abuse as they do for any illness.

This law means that people with a mental illness or substance abuse claim no longer has to worry about stricter limitations and more out of pocket expense. they can expect the same benefits as if they were going to the doctor for allergies or diabetes.

We will have to wait awhile to see the changes take place. The new law will not start until January 1st of 2010. One of the laws namesakes, Pete Domenici a retired Republican from New Mexico took personal interest in the law. He has a brother and a daughter who suffers from mental illness.

Domenici believed that the huge out of pocket expenses he saw his brother suffer with was a huge inequality. He does not believe that the healthcare system does not look at mental illness as a defined illness, in return not treating suffers as sick individuals.

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A few PPO Features to consider.

Tuesday, February 10th, 2009

Many people have a PPO health insurance plan these days. They are very popular with consumers. They provide flexibility and freedom and that is what consumers are looking for. PPO’s are not difficult to understand , here are some basics:

The first thing to understand is your lifetime maximum. A life time maximum is the amount the insurance will pay out in your lifetime. If you met that maximum your health insurance will cease. These maximums typical are 2 million to 5 million.

The next order of business is total out of pocket or deductibles and co insurance combined. Your deductible is the amount you will be responsible for annually before the insurer shares expenses with you. The co insurance is the amount they will share once your deductible is met.

Most PPO plans include the office visit co pay. This co pay amount can vary from one plan to another and one carrier to another. Basically, if you have a office visit you would pay the set amount such as $25 and the insurance company will pay the rest. Co pays waive the deductible.

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UniCare Health Plans Texas

Tuesday, February 10th, 2009

UniCare Health Plans Texas 

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