Monthly Archives: September 2017

Answers to 5 Common Questions About Texas Health Insurance

Although Texas ranks the highest among U.S. states in the number of uninsured residents, obtaining affordable Texas medical insurance is easier and more affordable than you think. Here are answers to five common questions about getting health insurance in Texas.

1. I’m young and healthy. Why should I spend money for medical insurance that I’ll never use?

Having insurance is like carrying an umbrella. You may not need it most of the time, but when there’s a torrential downpour you’ll be glad you have it. Even young and healthy people have accidents, seasonal illnesses, and sometimes tragic health issues. If you wind up having a serious medical condition, it can become very difficult to obtain Texas medical insurance, or your preexisting condition may be excluded from your coverage. In addition, you can get much lower premiums when you’re young and healthy, so health insurance provides excellent protection at very little cost.

2. Is there a benefit to using a health insurance agency, as opposed to getting quotes for policies on my own or going through a single agent?

A health insurance agency provides a number of benefits. First, they have established relationships with many, many insurance companies. This means that they have access to all of the best Texas medical insurance plans in the marketplace, while not having a bias toward any single insurer. This is in contrast to some individual agents, who work on behalf of one or two companies, and who will try and push you to sign up with their company. While you can research various plans on your own, a health insurance agency will do the legwork for you and present you will all available options, at no charge to you.

3. What’s the most important feature to consider when buying health insurance?

There are two important features that people often overlook: the lifetime maximum coverage and the maximum out-of-pocket expense. Although your more immediate concerns might be co-payments for doctors’ visits and prescription coverage, if you or a family member experiences a catastrophic illness, your overall coverage and out-of-pocket costs are much more crucial. Look for a policy that offers lifetime maximum coverage of $3 million or more, and a yearly out-of-pocket maximum in the $2,000 to $3,000 range.

4. Can I trust online comparisons for Texas health insurance?

Yes. The law requires that identical plans have identical pricing, regardless of whether you go directly through the insurer or use a health insurance agency. In other words, if you’re looking at the XYZ company’s Plan A, you will receive the same quote whether you get it online, place a phone call, or visit an insurance agency or company. Keep in mind though, that the price you pay may depend upon a number of variables, including your age, your gender, whether or not you smoke, and any pre-existing medical conditions that you may have. The final price is in large part determined by your medical history.

5. What’s the difference between an HMO and a PPO?

When it comes to Texas medical insurance, a health maintenance organization (HMO) requires that, for non-emergency services, you use their physicians and hospitals. A preferred provider organization (PPO) allows you to visit any health care provider, but gives you more benefits if you use health care professionals and services within their network.

Alternatives To High Priced Health Insurance

Most Americans are struggling to afford health insurance. In just the past few years, the cost of buying health insurance for your family has skyrocketed. I was talking with an insurance agent recently, who told me it’s not unusual at all for his clients to be paying $1,000 to $1,400 per month for their family to be covered.

I don’t know many people who can easily afford those kinds of monthly insurance payments. Most who are paying them are making major sacrifices in other areas. The vast majority of Americans put health coverage very high on their list of priorities, so the other things that get left behind might surprise you. No question, the quality of life is far lower for many people now that they pay so much to be insured.

Meanwhile, many employers are cutting back their employees’ insurance coverage. Professions that once paid all their employees’ health insurance premiums — like teachers and firefighters — are finding the employee footing the bill for larger and larger portions of their insurance.

How are people coping? Many Americans simply don’t have health insurance anymore. That’s a big problem not only for families, who often put off going to the doctor, but also for society in general. People who hesitate buying medicine or seeing a doctor often end up very sick in hospital emergency rooms.

Others are simply reducing the amount of health insurance they have. They pay a larger portion of their doctor visits and prescription medicine costs. If you are a young adult, it may not make a lot of sense to pay huge insurance premiums to be covered for major illnesses that you are very unlikely to experience.

There are a growing number of health insurance plans that let you pick and choose the areas of coverage you want to pay for. While this practice was prohibited in many states, more and more places are seeing the wisdom and necessity of this approach.

Even more pressing than the cost of health insurance is the cost of buying prescription medicines. Many people simply can’t afford the spiraling cost of the medicines they need. Others might insist, willingly lowering their standard of living just to afford overpriced medicine. The solution to this problem increasingly has nothing to do with insurance. Organizations use their large pool of members to negotiate big discounts on prescription drugs at thousands of chain and independent pharmacies nationwide. Typically you can save up to 60% off generic drugs and up to 15% off name-brand drugs.

This is a big advantage for the elderly, families, businesses, organizations, and anyone who wants to lower their cost of medicine. Additionally, some programs also cover medicine for your pets. If you often care for an ill animal, this can save you a lot of money over time.

Unlike insurance, discount drug programs are often very low cost or free. Pharmacies participate in the discount programs to encourage you to buy from them. It’s a win-win for both you and the medical industry.

Natural Way to Purify the Body for Health and Longevity

Most people think that they are quite safe in their homes, or any other place which one has been used to; but its time to think twice. Why?

Our world is no longer the same world as it was a very long time ago. Before, when civilizations were just beginning to form, the whole environment was safe and free from any pollution. But now, because of the rapid changes which took place in almost every part of the world, the environment is ‘unsafe’ to almost any individual.

Who wouldn’t want to attain longevity in life? Seldom can you find people that reach the age of 120 years or more. But before, that is quite possible. People now are contented and happy enough when they still reach the age of 65.

The lifestyle of many people now has a major effect on the entire body system. Because of the unhealthy lifestyle that people are getting used to, the body is able to acquire harmful chemicals (like acids). These harmful chemicals should be eliminated from the body’s system, however, when the body is unable to perform natural detoxification, the chemicals or acids stay in the body and form build ups.

This build up cause imbalance in your body, and after sometime, other complications may arise. You might wonder how you were able to get too much acid build up in your body, but the answer is very much obvious.

Observe your daily life; most of the food stuffs that you’re used to eating contain many harmful chemicals. Beverages like soda pop, coffee, alcohol and other milk beverages can cause certain diseases. Cigarette smokers are not exempted from acquiring harmful acids; as well as inhaling exhaust from cars, trucks, and other vehicles. Dousing yourself with hygiene products which contains harmful chemicals; pharmaceutical drugs, and the modern technology all contributes to acid build up in our body.

So you can just imagine living your life every day with all this harmful things around us. No wonder a lot of people get sick. A call to a natural way of healing diseases or illnesses is the cry of many people who are now aware of the sad fact that many others refuse to believe.

Body detox is a good way to rid your body of the harmful chemicals that has been inside your body for some time now. Detox can help your body to reverse all negative effects from unhealthy lifestyle and eating habits.

There is a lot of detox resources that you can make use to guide you in your quest for a rejuvenated and new life. The book entitled The Tao of Detox: The Natural Way to Purify Your Body for Health and Longevity was written by Daniel Reid. This book will show you a holistic approach to cleanse your body. There is a need to detoxify our internal body, just as it is needed to clean our environment (and the whole planet).

This book will provide you with a solution to restore and preserve good health. And this will only be realized through detoxification.

If you desire to live a long life, purchase this book, and let it be your guide to detox your body, and help you change your unhealthy lifestyle. Start now before it is too late.