Ten ways to make your health cheaper to insure

November 30, 2015

Insurance rates are going up as always. And for many of us there comes a time when all the saving tips and suggestions start to matter a lot. Spending a larger part of your family budget on health coverage and receiving rate increase notices from the insurance provider each year isn’t quite pleasant, to say the least. So if you really want to cut your insurance costs, here are 10 practical tips on how to do it right.

- Raising the deductible is a must. A deductible is the amount of money you have to pay on your own before the insurance coverage kicks in. That is if you have $250 yearly deductible, all the services you receive below that amount should be paid out of your pocket, and when the amount is exceeded your coverage starts to apply. However, such a small deductible will cost you thousands of dollars in premiums. Raising your deductible to a higher level will instantly reduce your premiums. However, make sure to set the deductible to the amount your budget can afford. Say if you can’t spend $3000 on medical bills during the year, set to a smaller deductible.

- Having numerous policies will pay off. Quite a lot of smart insurance agents recommend their customers buying various policies and combining them, instead of buying one-for-all plans. For example, combining a basic health plan in conjunction with an additional critical illness or accidental policy will cost you less than if you were to include these types of additional coverage into your plan.

- Analyze your copay benefits. Sometimes the amount of copay benefits aren’t just worth the additional 25% of insurance premium you pay for them. See how often you go to a doctor each year, how much money you spend for each visit and adjust your copay and deductible respectively.

- If you have a moderate income in your household you may want to apply for a government insurance program. Many families with modest income have individual plans for grown ups and CHIPS coverage for their kids, which allows saving a lot of money on individual health insurance.

- Think about H.S.A (health savings account). This form of health insurance has become quite popular lately due to its lower premiums, additional saving options and tax advantages that ordinary insurance plans simply don’t offer.

- Start living a healthier life. Quit smoking and drinking, don’t do drugs, start exercising on a regular basis – make everything to improve your health condition, and your healthcare costs will decrease. And so will the insurance rates, if you do everything right.

- Increase your RX deductible. If raising the yearly deductible is something you don’t want to do, you may simply increase your RX deductible. With some plans you’ll keep your deductible low even if buying generics.

- Choose a plan that lets you resign of some services. For example, if you are a man or an older woman without children, you probably don’t need any maternity or childbirth coverage, so why paying for that? Choose a plan that lets you drop useless types of medical services you won’t need and you’ll save some money.

- In case your main job doesn’t offer group health insurance, you may want to apply for a part time job that does. Not only you will gain additional income but will also save money with a group insurance plan.

- Shop around for better rates. Always shop around before purchasing a plan, try getting at least 3 quotes from different providers for the same amount of coverage, and only then apply to the one that is most competitive.

Choosing Between Generic And Brand Name Drugs

November 30, 2015

Understanding more about generic and brand name drugs could be good for your wallet and your health.

First, what’s the difference, anyway? Branded medicines result from years of research and major financial investments by pharmaceutical and biotech companies. These medicines are protected by patents. Generic drugs are copies of branded medicines, allowed after patents expire. Before a patent expires, no generic may be available.

Generics can be a smart option for many people, and the drugs may save them and the health care system money. However, some brand and generic medicines may have subtle differences, such as differences in the formulation or the amount of drug that enters the body.

Formulation Differences May Be Important

According to a recent survey sponsored by PriCara, a division of Ortho-McNeil-Janssen Pharmaceuticals, Inc., among the 47 percent of pharmacists who recommended a brand name medication over its generic equivalent, 54 percent cited a formulation issue that could be important to a specific patient.

For instance:

- Branded medicines may have different formulations–such as being long-acting–that generic versions do not offer.

- For some critical dose drugs (such as some thyroid replacement drugs, anticoagulants, and anticonvulsants), a small change in the amount of drug that gets into the body–which can occur with generic drugs–can have significant health consequences.

“It’s very important that consumers talk to their pharmacists about health issues-particularly their medications,” explains Dr. Harold Silverman, consultant to PriCara, pharmacist and author of “The Pill Book.” “Doing so can clear up a number of misconceptions that could affect your health.”

Try these tips for talking to your pharmacist:

1. Ask for the name of the medicine you are prescribed and what it does.

2. Know how much medicine you should take, how often you should take it and for how long.

3. If a generic version of your medication is offered, ask if it might be different from the brand medicine and if it’s right for you.

4. Know what results you should expect.

5. Ask about side effects and, if the medicine does not work, how long you should wait until talking to your doctor about it.

6. Ask whether there is concern about taking the medicine with other medicines you are taking, even over-the-counter medicines or herbal and dietary supplements.

Learning More

You can find more information on medications at the Merck Manual online library at http://www.merck.com, in the Orange Book section of the FDA’s Web site at http://www.fda.gov/cder/ob/, and in “The Pill Book.”

It’s important to understand your options with generic and brand name drugs.

Disgusting Adult Websites Blocked Once and For All

October 30, 2015

Open it with notepad and add a line of information for each website you wish to block. Basically what happens is when that site you want blocked is added to the host file and someone attempts to enter that address into their browser it will loop them back to the address of the computers network card. The loop back address as it is called. One major advantage of this tool is it works for all browsers installed on the computer, including Internet Explorer, Firefox and Opera Browser.

It is difficult to explain how to edit the host file in an article such as this one. I will refer you to the link in my signature for a point and click instructional video on how to edit the host file.

One of the most important things you can do when you are using this network to get more traffic to your site is to block out sites that are not making you a profit. One of the biggest mistakes people make when they are using the Content Network is they don’t do this and end up losing a lot of money in the process.

Why You Need To Block Out Sites & Get Less Visitors To Your Site:

When you setup your ads on the Content Network they take your keyword and figure out which sites on their network will be good sites to run your ads on.

Then they let your text ad run on those sites and you eventually get people to click on your ads and hopefully you make money from those visitors.

The problem is that Google is not perfect and they can do a bad job at figuring out which sites your ads should be running on. So if you are in a bigger market they will sometime run your ads on sites that have nothing to do with what you are trying to sell.

For example: If I am trying to get people to my site using keywords related to “traffic generation”, they can easily think that I am trying to attract people looking for information about “highway traffic.”

So what you need to do is run a report in your account and see all the sites that your ads are being run on and check them out.

Once you figure out the once that are not relevant to what you are promoting, you need to use the feature in your account that lets you block them out so you won’t get traffic from those sites any longer.

This is one of the easiest ways to massively increase your profits as you will stop getting visitors from sites that have nothing to do with what you are trying to sell.

It would be a stunning piece of information to add to your knowledge bank that there are a huge number of schools who have initiated in this matter. A recent survey has revealed that the academic institutes have almost made it a mandate for the students who are studying in the sacred premises of the institute that they are not o operate any website that feature or present free online games. According to the disciplinarians it is a right move. There is a popular school of thought supporting the move. Those who are directly linked with the noble profession of teaching might indulge in the thought procedure that in time of the running academic sessions if students are allowed to enjoy the facilities of the websites catering free and unlimited gaming through it then it is quite natural that their mind would be preoccupied with such things .