Own Your Arizona Health Insurance Plan As Well and Be Beholden to No One

Long term trends in employer and employee relationships have greatly changed over the past few decades. Statistics show that the average prospective employee will change their place of employment a minimum of seven times in their work lives. With that thought in mind, individuals and families should begin to question how they think about Arizona employer health benefits. A forward thinking person should consider owning their own Health, Life and disability policies so they have true financial freedom to act in their own best interest when seeking career choices.

In our current employment environment neither the employer nor the employee are offering each other much loyalty. Employers are increasingly under pressure to cut their human resources costs and those cuts often cause a slashing of Arizona health insurance benefits by shifting more of the cost to their employees to accomplish the cost saving measures. More and more employees are faced with escalating monthly costs, higher deductibles and higher co- insurance.

For employees the biggest drawback to employer benefits is the portability issue, if they leave their employer they leave behind their insurance. They have the COBRA option but it only lasts 18 months and is often cost prohibitive. Leaving a place of employment for personal, family or economic reasons becomes difficult if a person is leaving a great health plan behind. With employers cutting back on health benefits those seeking greener pastures must consider the economic impact of leaving their health plan behind as well.

You do not have to be in this situation if you owned your own Arizona health insurance plan. These policies are often less expensive than traditional group plans and are just as generous in benefits. The best reason for owning your own policy is that it can not be taken away from you as long as you pay the premiums. So no matter where your career takes you, your Arizona health insurance is never in question.

If in today's employment environment workers are claiming their independence to say no to their employers and decide to move from job to job for many reasons. They should become truly free of their employers Arizona health insurance plan as well and be beholden to no one.

Paul has been specializing in affordable Arizona Health Life & Long Term Care insurance for his Arizona clients since 1991. For more information please visit my blog at http://azhealthnow.blogspot.com/

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Health Risk Management - Prevent Undiagnosable Illness!

An astounding number of "patients" come out of a doctors office or even a hospital screening - where nothing had been found - yet the person feels that something is wrong. What is wrong is the contemporary, symptoms based "healthcare" that asks for symptoms to be present in order to come into action. The dilemma is that often subjects feel lousy but are unable to pinpoint specific symptoms. In a staggering number of cases this is because of accumulation of toxins in the body which may stem from various sources and in any combination and quantities:

There are substantial Health Risks to become ill from involuntary exposure to certain substances, such as environmental toxins:

• dioxin
• air pollution
• toxins in tap water (incl fluoride and chlorine)
• ionizing radiation (nuclear waste, medical products and drugs)
• electromagnetic fields, (incl. cell phones, wifi, wlan, etc.)
• contaminated industrial sites (landfills)
• oil and gas fields,
• waste incineration
• Dental "silver" fillings (amalgam), "gold" crowns, root canals
• Formaldehyde (in furniture, building materials, etc.)

Then there are Health Risks associated with voluntary exposure to toxins -even by innocence - such as the many chemicals in personal care products and household detergents and chemicals

• Toothpaste,
• Deodorants
• Fragrances
• Shampoos
• Cosmetics
• Sun block
• Lipsticks (lead)
• Lotions
• Household detergents
• Sprays
• Gasoline
• Paint (lead)
• Air fresheners
• Phthalates & Bisphenol-A (used to soften plastics, bottles, etc)
• Baby products

and finally the toxins in food and drinks (all commercial foods in the US have herbicides and pesticides in them):

• synthetic sweeteners (aspartame, sucralose, acesulfame K, Sweet and Low, Equal, etc.)
• Monosodium Glutamate "MSG"
• Nitrates and Nitrites (processed meats)
• Benzoates (in soft drinks)
• Irradiated Food (radioactive rays treated)
• Propylene oxide (terminal gas sterilization of raw nuts)
• Fluoride (added to tap water)
• Chlorine (added to tap water)
• Pesticides (in Baby and Children food)
• Aflatoxins, Mycotoxins (in Peanuts)
• Antibiotics (in meat, farmed fish, chicken, milk
• Synthetic Hormones rBGH (added to US Beef and Milk)
• Benzene (in soft drinks, sodas)
• Potassium bromate (added to bread)
• BHA & BHT (added to oil to prevent rancidity)
• Lead (in canned foods)
• Mercury (in fish, shrimps, prawns)
• Arsenic (seaweed, tap water)
• Campesterol and stigmasterol (estrogen-like compounds added to Margarine)
• Hexane (used to extract Omega 3)
• Copper fungicide (added to production of organic foods)

Of course, this list is by no means complete; consider that thousands of new chemicals are introduced into the food chain every year. In addition, although not per se referred as toxins, you have to consider the dangers of GMO (genetically modified) Foods.

Although the above is just a list of acquired impediments to your health, the toxins may have accumulated over many years in your body and may have already wreaked havoc by impairing organ functions, hormone and mineral absorption balance, weight gain, allergies or immunity.
Based on the status quo of your health, you may want to analyze what could make you sick in the near future, so you have ample time to adapt your lifestyle accordingly.

How do you analyze toxins in the body? Well here is the answer why conventional medical tests fail to diagnose the problem, unless there is a specific suspicious toxin, no tests are routinely ordered to find any. It would be just too expensive to order lab tests for unspecified substances, considering there are tens of thousands and thousands of new toxins every year. In addition, the interaction of various toxins with each other complicates the issue even further.

Hair sample tests are cheap, private and simple and can even be ordered by mail, they may provide an overview of accumulated heavy metals and mineral imbalances. The problem is that hair dyes may falsify the results which are not very accurate in the first place. However, given the low costs they may be worth the effort. In many cases they have shown mercury intoxication from fish and dental materials, arsenic from tap water and severe mineral imbalances - which then led the subject to get the problem clinically investigated.

When you consider the dangers from all the above and how it may affect you, you may become more vigilant about what products to use and how to compensate for the adverse effects that could come from the constant exposure to unnatural elements. As you can see, your lifestyle may play a major role in suddenly disrupting your mission, unless you are equipped with the knowledge of what toxins are in your body - in order to counteract the challenges.

You can find resources, references and available tests at: http://www.d4vc.com/

Heinz R Gisel is a Personal Nutritional Concepts and Medical Devices Innovator, based in San Diego and Tokyo. He is the Founder of Vitality Concepts Corporation and Doctors 4 Vitality Clinics, LLC. He developed a a clinical, non-invasive analysis system that can detect disease before any symptoms occur, without radiation. He believes that Nutrients belong into food and beverages and not capsules and pills and he has patents pending on such nutritional concepts.

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Health Insurance - Frequently Asked Questions (FAQ) - Part III

It is always good to have some basic knowledge of a subject before you have to make a major decision. Take health insurance. Constantly in the news. On TV, on radio, in magazines and newspapers. All the political candidates have it on their agenda. It touches the lives of us all. Does not matter if you are insured, uninsured, underinsured or uninsurable.

It is surprising how many individual do not understand basic health insurance terminology. I have attempted to list a few of the more common frequently asked questions. I've broken them down into a series. Here is Part III.

Q: "What is short-term health insurance?"

Short-term health insurance can provide you with major medical coverage for a limited period of time. It is ideal for those individuals who are between jobs, recent graduate or someone waiting for other health insurance coverage to begin. Typically, short-term health insurance plans offer coverage up to six months, with some plans offered up to 12 months.

Q: "What is a drug formulary?"

A drug formulary is a list of all the prescription drugs that are covered under a health care plan.

Q: "Are all prescription drugs covered under a health care plan?"

Generally, the only prescription drugs that are covered will be those prescribed drugs used to treatment an illness or injury less any applicable deductibles and coinsurance. Contraceptive drugs and nicotine chewing gum are examples of prescribed medications that are usually not covered.

Q: "What is a Discount Card?"

A Discount Card provides you with a great way to save money on your dental, vision, and/or chiropractic needs. Depending on your Discount Card, you can enjoy discounts of up to 50% with some national networks of leading service providers. Usually there is a simply application to complete and then you should receive your card in the mail in a few days. To use your card, simply locate a service provider in the network, present your card to the provider at the time of service and get instant discounts. A Discount Card may provide you with a valuable, inexpensive alternative or supplement to a standard health insurance plan.

Q: "Is a discount card considered insurance?"

No. Discount cards do just that - they provide discounts for health care services or prescription drugs. They give you and your family preferred rates from selected health care providers. You are still responsible for all costs beyond the discount. A discount card does not provide you the protections of an insurance policy.

About the Author: Rudy Wilson is currently active in the insurance industry. He is also a researcher and an author. Visit his web site at http://www.UninsurableHealthSolution.com to view more information on finding affordable health care for the uninsured, the underinsured and the uninsurable.

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Yacht Insurance

There are so many companies providing insurance cover for yachts and boats that it is often confusing for someone trying to look for specialist cover. The problem occurs as each insurance provider wants to include aspects that are not included in other company's plans but this can cloud the issue when someone wants to arrange insurance for their boat or yacht. Below are some things you should look for in a provider which may help you with your choice.

One of the most important but often overlooked facts is the stability of the provider, so try and find out how long they have been established. The financial stability of that boat insurance provider speaks much on the security of your own policy. The easiest way to do this is online by locating those providers with the largest customer bases that are rated highly by the industry watchdogs as these will probably be the best to start with.

A first class customer services department is a necessity as we all know how quick companies are to take your money but their true image shows when things go wrong. Choose a yacht insurance or boat insurance provider with a large network of claim centers, emergency services, agencies and helpful representatives to serve you in times when you need to clain on your policy.

We all like to deal with people that have good reputations as it provides a feeling of confidence and this is true with any insurance company so look for one that has pride in its reputation. Look for a company that can supply all the options that you could need or as comprehensive as possible as this will save you having to make separate arrangements.

You may find that there are a few boat insurance comparison sites that will help assess who is supplying the most reasonable quotes as it is better to do this before you have signed the agreement. This type of insurance policy hase a very complicated nature and deciding on which policy to sign up with is indeed a very troublesome business. These are the most important points to keep in mind when you search for provider.

The first thing to do is list the most important aspects of your insurance policy that you require and don't get bogged down with all the tiny details until you have made a short list for yourself. This is as much about the right policy as it is about the provider you choose, so by following these tips it should help you with your final choice and peace of mind.

Copyright (c) 2007 Keith Mallinson

Keith Mallinson BscHons Provides Information on yacht insurance, what it is, how to find boat yacht insurance and where to find the best offshore yacht insurance.

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Group VS Private Health Insurance

With so many people considering switching themselves, or some, or all family members from their employer sponsored group health insurance plans to personal individual and family medical plans, there are some things that first need to be considered.

Understand that there are major advantages and disadvantages, even some risks inherent to both options the decision to take a family member off of group coverage should not be taken lightly.

The advantages are immediately obvious. The savings on premiums are often significant. The average monthly insurance cost (varies by Zip code - and has probably already increased before the metaphoric ink on this page dries) for a healthy Californian single person is $139/mo. Family premium is, on average, $357.

Typically, employers charge their workers hundreds of dollars more than that for their contributory share

Another advantage of leaving your group plan and choosing individual or family health insurance is that with the latter you have choices. You can opt to cover only what you choose, while saving money on options you consider unnecessary. With private insurance you can choose the deductible, the copay and eliminate anything anything from the plan which you consider superfluous, thus saving a good deal of money.

One other factor in favor of opting for a private plan is that your coverage is not dependent on where you work, or even if you have a job. The coverage is yours. A dissatisfied employee can leave his job any time and not worry about the loss of coverage for himself, or his family. Your employer can move his whole company over to a third world nation and you'll still be covered, as long as the premium is paid on time. This is not the case with employer sponsored group coverage. There, when you leave an employer, you also leave your insurance behind.

If private, individual, or family health insurance sounds appealing, there are some major issues you need to be made aware of before making the decision. First and foremost, not everyone is accepted in private plans. Preexisting conditions may excluded from coverage and many conditions render a person "uninsurable" altogether to private companies.

Private companies also "rate" their coverage based on age. While coverage may be affordable when the policy is first issued, the age-based increases can render it beyond a person's means. You should review the costs annually.

Private health insurance may be less comprehensive than group health insurance. You are likely to find that some conditions and treatments (such as maternity) once covered are no longer and copays you had taken for granted with group are no where near the value of your group plan. Dollar for dollar your group plan may go farther, but you need to decide how far you need to go, what is important to you and what you can afford.

No matter what your priorities, your decision should not be made alone. You should enlist the help of a trained professional who can spotlight the advantages, disadvantages and potential risks of each path.

About the Author:
Rick Bronstein, the owner of California Medical Quotes and Greensky Insurance Services, has better understanding of the health insurance industry than most other professionals. He should; he's been helping Californians with their insurance needs and problems for more than a quarter century, earning his license while still a Student at UCLA in 1976.

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