Showing posts with label healthcare. Show all posts
Showing posts with label healthcare. Show all posts

Tuesday, March 20, 2007

Weight Loss with 3 Day Diet

By 12BuyOnline.com

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There are many occasions that make women want to lose weight quickly. Maybe there is a wedding or a class reunion that is right around the corner. We want to look our best for such occasions, especially if we haven't seen some of the party goers for a long time. One weight loss option is the 3 day diet. This plan promises quick weight loss in only three days.

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Of course, quick weight loss is very appealing to many of us, but it is not recommended by most of our doctors. Many nutritionists argue that the 3 day diet only leads to temporary weight reduction. Most of us who follow the plan will only find the weight creeping back on in just a few weeks.

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However, we must consider the purpose for the 3 day diet before abandoning the eating plan entirely. If the goal is to lose about ten pounds in three days for a specific occasion, then this plan is perfect for you. If you want permanent weight loss and an eating plan that you can follow for the rest of your life, then the 3 day diet is definitely not for you.

The plan is very restrictive and it requires a lot of will power. Anyone following the 3 day diet is urged to follow the plan for only three days. This is why the plan is best for anyone who wants to slim down quickly for a special occasion and not for someone looking for a long-term diet plan. People who follow the 3 day diet are instructed to go off of the diet for at least two days before starting the regimen over again.

Tips! Set Realistic Goals The first step to weight loss is setting a realistic goal. By using a BMI chart and consulting with your health care provider, you can determine what a healthy weight is for you.

Just about every woman has experienced the urge to drop one or two dress sizes before a special event. Maybe it is that little black dress that is hanging in the back of the closet that you haven't been able to zip up for a few years. The 3 day diet can be a great way to get you back into that dress in just a few days.

Maybe you just need a kick start to your long term weight loss plan. Sometimes losing a lot of weight quickly can give a dieter the motivation required to get on a good diet and exercise plan. I have found that dropping significant weight in the beginning of a weight loss plan will insure that I am motivated to continue.

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Even though the 3 day diet has many critics, remember to consider the purpose for the plan. This is not a long term diet and it definitely is not a way of life. However, if you are looking to drop a few pounds quickly or if you just need the motivation to get yourself into diet mode, consider the 3 day diet as a start.

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Wednesday, March 14, 2007

Affordable Health Insurance Family Plan

Tip! Realize that you will be required as an employer to contribute as least 25% of the premiums for the group health insurance. (I never seen an group health carrier ask for less.

Choosing between family health care plans is not as simple as in the past. Although no plan will pay for every medical expense you come across, they do differ in what they offer for coverage. The majority of health care plans offer ways to keep down the costs of health care.

How do the health care plans differ from one another?

Indemnity insurance - Once you meet your deductible, most indemnity plans pay a portion of what is considered appropriate charges for covered services. The usual split of how much the insurer and insured pays is 80/20. You are responsible for the 80 percent and the insurance company pays the remaining 20 percent. The policy will also cover charges for lab and x-rays, prescriptions as well as care from doctors and hospitals.

Tip! Insurance Company � There are many reliable insurance companies in the health insurance industry use their quotes to compare coverage.

Managed Care plans such as; Preferred Provider Organizations (PPOs) allow the insured to choose medical providers that may or may not be a part of the network. If you decide to use a doctor within the PPO network, you will be responsible for a copayment. If you go outside the network you are responsible for a larger percentage of the costs.

Health Maintenance Organizations (HMOs) offer members a variety of health benefits for a set monthly fee. HMOs provide you with a list of doctors from their network so that you can choose a primary care physcian (PCP). When you have chosen your PCP, they will be the core of providing your medical needs.

If you were to need a specialist you would first need to obtain a referral from your PCP. If you were to go to a physician outside of the network you would be responsible for the charges, unless of course you or a family member is in an emergency situation.

Tip! The cost of prescription drugs is, perhaps, one of the first things that people look for in a health insurance policy. Many companies will include a discount prescription drug card with the policy at no additional cost.

Point-of-Service (POS) Plans allow members to choose any doctor or hospital that they wish to attend and will still receive a form of coverage although not as comprehensive as the other insurance plans mentioned.

How to choose a plan

Remember that regardless of the plan you choose there will be sacrifices of some sort. So consider what you and your family need for medical coverage. Do you like the idea of your doctor being the one who has to refer you to a specialist or would you prefer to do this on your own?

How much have you budgeted for out-of-pocket expenses, deductibles, and the premiums that you will be required to pay? Consider also any life changes that may apply; are you considering starting a family or are you closer to retiring? Does any member of your family have a pre-existing condition, if so this may affect certain insurance plans.

Here are some more articles on Health insurance broker and small business group health insurance.

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