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.

Healthy Breakfast: Not An Impossible Mission

It’s a trite but true refrain that breakfast is the most important meal of the day. For most of us, it’s been about 12 hours since our last meal and our bodies need a good refueling. Yet, statistics show that as many at 50% of us don’t eat breakfast.

We’re too busy. We don’t like breakfast foods. We’re not hungry. We’re trying to lose weight.

Sad to say, none of those reasons are valid. There are many healthy breakfasts that can either be bought or made that are fast and even portable. There’s no law that says you have to eat breakfast foods for breakfast. You legitimately might not feel hungry in the morning, particularly if you aren’t accustomed to eating breakfast. But you should eat something, even if you make a fairly light choice, like fruit and yogurt. Trying to lose weight is the worst excuse of all. Study after study shows that people who skip breakfast end up eating more the rest of the day than people who eat a solid breakfast every morning.

So how do you get the magical mix of the right nutrients that will give you energy and send you healthfully into your day?

It’s not that hard, really. Spend a little bit of time thinking about what you like and then plan some healthy breakfasts. Here are some ideas to get you started:

* If you need something portable, the ever-popular smoothie is a good choice. Be careful when you purchase a smoothie at a shop, however, as some can have as many as 600 calories. You can purchase a good blender or smoothie maker to have at home and whip up your own smoothie in less time than it takes to stop at a smoothie store, and you’ll know exactly what’s in it.

* For an even faster breakfast, try making some breakfast burritos and keeping them in the freezer. You can use regular or whole-wheat tortillas, scrambled eggs (either whole, all whites, a mix, or an egg product), some veggies like peppers and onions, and soy sausage. These freeze beautifully. Pull one out, and while you’re pouring your coffee, it can be heating in the microwave. Add a banana or apple for on-the-go dining.

* Cereal is a fine breakfast, as long as it’s not the only thing you eat. Consider adding some banana or blueberries on top, or fixing it with soy milk for a healthy dairy addition. Otherwise, stick to skim milk.

* If you don’t like breakfast, consider making a peanut butter and jelly sandwich on wheat bread. Grab a banana on the way out the door. Have some leftover vegetarian pizza from dinner? That’s a fine breakfast, though you will want to add a glass of milk or some fruit to round it out.

* Trying to lose weight? Breakfast might be the easiest meal to fill up without using a lot of calories or fat. Have oatmeal with soy milk, or a high-fiber cold cereal. Consider a homemade version of a fast-food sandwich. You can fry up an egg, add a slice of Canadian bacon and put the two into a toasted English muffin for a 200-calorie, filling breakfast.

Drink A Glass Of Mangosteen Juice For Health Benefits Every Day

Fruits and vegetables have always been an important part to a healthy diet. Along with daily exercise and your body will reward you with great energy and radiating skin. This is no secret; it’s just plain fact.

Choosing the Proper Fruits

While some of us love our vegetables and fruits, some of us barely eat a handful a week. Eating the proper foods is a part of promoting good health. Learn a bit about your daily diet and you’ll be able to eat right even if you don’t consume the exact amount needed daily. The mangosteen is a fruit that is filled with all the vital vitamins and minerals required to provide that needed dosage for good health on a daily basis.

The Mangosteen Fruit

Grown in the tropical land of Southeast Asia several centuries ago, the mangosteen tree needs warm temperatures and large amounts of rain to grow. Nonetheless, its growth is very slow and it achieves its peak-season in about 10 years. By then, it starts to produce large quantities of mangosteen fruit yearly.

What Exactly are The Health Benefits of Mangosteen Juice?

The health benefits from mangosteen juice is faster absorption in the body instead of eating fresh or dried. The most significant health benefit from the mangosteen juice is the rich content of antioxidants in each fruit. Antioxidants are recognized for their ability to fight and delay the aging process, thus leaving us with healthier skin.

Drink mangosteen juice for your health benefits. These health benefits include a good daily dose of vitamins and minerals, such as Vitamin E, Vitamin B6, Vitamin B1, calcium, potassium, iron and fiber.

Just a Reminder

Although the health benefits from mangosteen juice are huge; it acts to compliment our immune system by assisting it to fight infections and other possible diseases. It does not cure any illnesses on its own. All fresh fruits and vegetables are good for our health and well-being.

Feeding our bodies with natural foods found in nature, with no preservatives or additives, is one of the best ways to ensure a long, healthy and happy life. Consume fresh fruits and vegetables as frequently as possible to sustain your health for the long haul.

Different Types of Health Insurance Explained

Health is the biggest and most crucial asset of every living being. An unhealthy animal and individual can never truly experience any joy. It is the wealth of health that provides the requisite potential to topple over all odds and to move ahead with life. So such an essential part of a person’s life demands extra care and concern. An ideal way to secure an individual’s prized possession for him and for those who love him is a health insurance policy.

A health insurance policy is meant to financially assist a person in case there occurs a setback to his health. For instance he is afflicted by some grave disease, meets an accident, becomes handicapped etc. In order to provide complete service and for the all round development of the individual the health care system of America offers ample of options or different types of health insurance for its citizens. Some of these are explained below:

• Preferred Provider Organization or PPO is a discount form of health insurance policy. PPO has a complete network of health care providers from hospitals to doctors. If an individual has taken PPO policy and takes treatment from any of these assigned providers, the PPO covers his complete medical treatment. While if the person takes recourse to some other doctor or institution, he gets served at a reduced rate. PPO’s thus facilitate medical services at abridged rates.

• One immensely cheap form of health insurance is the catastrophic health insurance. This sort of policy is basically meant for the people who have the financial means to manage regular illnesses and hospitalizations. The deductibles i.e. the sum of money an individual for these policies are quite large for this policy. At times there are caps on the amount the policy will pay in case of illness.

• A Short term health insurance policy is akin to a life insurance policy in the sense that both can be adopted for a specific tenure. This policy covers catastrophic to comprehensive cases and excludes the situation of pregnancy and childbirth. Quite often it is hard to qualify for these policies as there are strict conditions or qualifying procedures. Moreover these policies may not cover any pre-existing medical conditions.

• HMOs or the Health Maintenance Organizations also offer health insurane t significantly lower premiums. But the disadvantage is that they confine the sources a person may seek in non-exigency situations. HMOs do not cover the precautionary measures such as immunization, mammograms and physicals. There are quite a few issues associated with the HMOs. For instance it is believed that doctors receive financial perks for deducting the cost of medical services to patients. One way to do this is to pay monthly fee to the doctor for each patient despite of delving in to the issues of what treatment the latter one needs.

• There are also full-service health insurances. The lucrative feature of these policies is that they cover all sort of illnesses, cover any medical treatment the patient takes regardless of the institution or doctor and the deductibles are at the discretion of the policyholder. He may pay a high or a low one.

• Medicare or Medicaid insurances are meant for the retired or the low-income individuals.

Assessing Your Health: Sleep May Be More Important Than You Think

If counting sheep is not working for you, here are some facts you may want to sleep on-chronic sleep deprivation can do more than make you tired. It can significantly affect your health, safety, performance, and lifestyle.

Most people are surprised to learn that sleeping less than six or seven hours a night can increase their mortality risk more than smoking, high blood pressure or heart disease.

Losing as little as one and a half hours of sleep for just one night could result in a reduction of daytime alertness by as much as 32 percent. This loss can impair memory and the ability to think and process information effectively.

Decreased alertness can also affect your life by limiting your participation in activities that require sustained attention, such as reading a book or watching your favorite TV show. And the risk of receiving an occupational injury more than doubles when a person is sleepy.

Car accidents are another problem. The National Highway Traffic Safety Administration (NHTSA) estimates conservatively that each year drowsy driving is responsible for at least 100,000 automobiles crashed, 71,000 injuries and 1,550 fatalities.

As many as 70 million Americans have sleep disturbances-which include taking a long time to get to sleep, sleeping less and waking up frequently.

Sleep disturbances may in fact be a symptom of a much larger problem, especially if they are associated with irritability and mood swings. Emotional stress, racing thoughts and restlessness can be signs of something more serious, such as bipolar disorder.

“If someone is experiencing restlessness and irritability, along with sadness or emotional ups and downs for more than two weeks,” said Dr. Ellen Frank, professor of psychiatry and psychology, University of Pittsburgh Medical Center and the Western Psychiatric Institute and Clinic, “they should seek medical attention from a specialist who is trained to diagnose or perhaps just rule out depression or bipolar disorder.”

The Depression and Bipolar Support Alliance (DBSA) has launched a new Web site, www. sleeplessinamerica.org, which offers educational resources that provide screening for sleeplessness, information on when to see a doctor and a questionnaire to determine when sleeplessness might be symptomatic of a more serious illness. The Web site is also available in Spanish.

Birth Control: Shaping Your Family’s Health and Future

Some people ask themselves if it’s okay to engage in premarital sex and in their minds try to weigh its pros and cons. There are couples who engage in premarital sex way before they even get into high school. At the onset of puberty, kids begin to be curious about their sexuality. And without proper guidance, these kids explore and venture into the realm of the senses without much thought of the dire consequence of their impulsive actions. Come to think of it, teens are not the only ones guilty of such wanton behavior but even adults as well. Indeed, the world has shaped a permissive attitude towards premarital sex.
On the positive side of the scale, there is peer acceptance and the gratification of sexual desires. After all, the kind of message we receive in the media today, be it on TV or in the movies, is that “everyone is doing it.” But its downside carries the risk of contracting sexually transmitted diseases, unwanted pregnancy, and the heavy weight of moral consequence such as guilt. Thus, morality plays a vital role in dealing with the issues about premarital sex. But for those couples who have learned to “wait”, the prospect of married life and eventually, raising their own family becomes a satisfying experience.
Parenthood is one of the noblest tasks a married couple has to take as they carry on with their relationship. Some who are not blessed to have their own children would even go to the extent of adopting someone else’s child just so they can experience parenthood.
In most countries, there is no limit as to the number of children couples can have as long as he can provide for their needs and welfare. However, due to economic considerations, many couples have decided to put a limit to the number of kids they want to raise, much to the consternation of the church. We all know that the church advocates procreation and is totally against family planning or birth control. Thus, we are faced with the dilemma of choosing between having a big and happy brood than a small but a well-planned family.
Family planning is not just to limit the number of kids a family but is also a means to improve the quality of life of each family member. It’s not just about birth control but laying a solid foundation for a better future.
The type of birth control you choose depends on your needs. Some people only need to prevent pregnancy. Modern couples try not to have babies in the first two years of marriage in order for them to enjoy each other as husband and wife. This will enable them to have strong bonding and prepares them for the coming of their future children. If and when they decide to have kids, they try to plan or limit the number and succession of their offspring. By doing so, they are able to manage and monitor the needs of their children in terms of their financial, emotional, and physical capabilities.
Other couples may also resort to contraceptives to protect themselves or their partners from diseases that can be passed on by having sex. These diseases are called sexually transmitted diseases (STDs): AIDS, chlamydia, herpes, genital warts, gonorrhea, and syphilis.
Statistics released by Planned Parenthood shows that birth control paved the way for improved family life: “The maternal death rate has fallen more than 60 percent. The infant death rate has declined by more than 70 percent. Birth control not only saves lives — it helps women and their families prevent poverty, plan their futures, and take charge of their destinies.”
To decide which method to use at this point in your life, talk with your family doctor about the pros and cons of each birth control option. Better yet, think before you do.

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.

Eclipsing the Mind: The Most Common Mental Health Disorders Today

Statistics about mental health problems are now becoming more increasingly alarming. The

key factors in the apparent rise in mental health cases have not yet been fully determined.

In fact, authorities may have released inaccurate figures since people tend to hide mental

illness or ignore them. This is also the reason why many mental health problems worsen.

Perhaps, the only good news to come out from this is that there are some common mental

health disorders and conditions among the statistics. According to the records of a number

of Washington-based psychiatric hospitals, there are four particularly common strands of

mental health problems that have been recorded.

Depression

Among all the common mental health disorders, depression is stated as being the most

common. Approximately 80% of the population has experienced clinical depression at one

point in their lives. In the early stages, this problem can be alleviated through

counseling. However, the problem lies in the fact that most people tend to see the early

stages of depression as just a negative mood swing. Since it is typically difficult for

most people to detect depression until it has taken full effect, the condition can often go

completely unnoticed. For some people, the physical and mental changes are gradual, which

only makes it harder to detect the problem.

Bi-polar Disorder

Bipolar disorder, as compared with depression, is more difficult to detect. The condition

causes the person’s mood to swing, being manic one moment and depressed in the next. While

this usually fits the stereotype of people with this particular strain of mental health

illness, the reality is that there are periods where the person exhibits a relatively

normal mood. This period of normalcy between the high and low points is often enough for

casual observers to discount the possibility of a person having bi-polar disorder. Often,

casual observers and the patient himself will only note the frequency of the mood swings

and the possibility of a problem much later on. On occasion, a session of psychiatric

counseling mandated by company policy can detect the problem. However, not all companies

have such a system in place.

Schizophrenia

Approximately two million people are suffering from schizophrenia at any given time, which

should be a cause for alarm. The condition is often characterized by the patient hearing

“voices” in their head that no one else can hear, a typical trait of insane people. This

mental health condition has a number of sub-varieties and can effectively disable a

person’s ability to interact with others if left unattended or treated. Schizophrenia can

also sometimes cause other mental health disorders. While there are medications that have

been proven to alleviate the problem, there are still some cases where medication must be

complimented by counseling. Roughly 20% of people who develop the condition never fully

recover and times of great stress and anxiety can sometimes result in a relapse.

Alzheimer’s

Arguably, Alzheimer’s Disease is among the most debilitating mental conditions known to

man. The increasing frequency of the condition has caused alarm since current medications

only help ease the symptoms and not really treat the condition. Usually diagnosed during

the latter years of a person, Alzheimer’s can take an immense toll on one’s life and

relationships. As a debilitating condition, it rapidly takes away the patient’s self-

confidence and ability to physically function in a normal way. In contrast to other mental

health problems, Alzheimer’s is relatively easy to detect if the person is properly

informed. However, as previously mentioned, the disease is difficult to treat with any

level of certainty. Counseling is known to have minimal effects even the mildest of cases.

There is still no psychoactive medication that has shown appreciable effects other than

“delaying the inevitable.”

As these mental health conditions eclipse the human mind, it has become more clear that

more work needs to be done in terms of research and drug development.

Health Administration Schools – The Foundation You Should Choose to Start a Great Career

In the event that you have a craving to work in the human services industry yet would prefer fundamentally not to seek after a clinical profession, then turning into a Health Care Administrator is the right occupation for you. In any case, keeping in mind the end goal to do as such, you need to look at numerous Health Administration Schools to discover the best for you.

The Job

Human services Administration is a prestigious employment for nearly anybody required in the medicinal services industry. Human services directors are the foundation of any doctor’s facility, center or Health Management Organization. Normally, a human services overseer is in charge of coordinating and overseeing distinctive social insurance establishments, their long haul arranging, money related and faculty organization, material administration and open undertakings.

To wind up an effective medicinal services overseer, you should first prepare to end up one. Keeping in mind the end goal to do as such, one of the essential strides which you have to take is picking the right degree program. This includes picking which zone to represent considerable authority in. Probably the most widely recognized bosses programs identified with this field incorporate Masters in Health Care Administration, Health Services Administration,Business Administration in Health Care and Public Health. When you choose your specialty, you have to experience the courses offered by Health Administration Schools to discover which one obliges your requirements. Here some essential rules to help you locate a decent school:

1. Direct an appropriate personal investigation

The initial move towards finding the right school for you is directing exhaustive research. Discover as much as you can about this profession, the required degree and abilities, the occupation obligations, and so forth. A smart thought is to ask your companions or different experts inside this field. Utilize their experience to explore your vocation in the right heading. In the event that you are still not fulfilled, take a stab at getting the subtle elements on the web. The Internet is one place where you can without a doubt discover every one of the points of interest you have to think about this field.

2. Contract down your pursuit

When you have assembled all the essential insights about this profession, the following stride in getting yourself a decent school is to limit down the Health Administration Schools in your general vicinity to the ones that are putting forth your required program. Nonetheless, at the same time, you should likewise investigate their accreditations, the educational programs and the courses being advertised. Don’t simply make suppositions; have a nitty gritty take a gander at the projects being advertised. In the event that regardless you don’t feel fulfilled, have a word with the course guide to get out every one of the inquiries.

3. Examining the monetary subtle elements

Another essential angle to mull over while surveying Health Administration Schools is the expenses of your instruction. Consider the expenses caused in your studies as a venture on you for what’s to come.

Be that as it may, on the off chance that you are one those individuals who need to bolster their families, then a costly training can some of the time stretch your financial plan. For this reasons, numerous schools these days offer budgetary guide or grants to the meriting understudies. Have a go at investigating these choices and benefit as much as possible from it.

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Allied Health School Admissions Checklist

Allied health is one of the few fields that offer larger opportunities for young aspirant like you to make a career in all most every field of health care industry. Earning an Allied health degree can provide you the best platform to start your career in different health care fields starting from nursing, radiologist to medical transcriptionist. There are plenty of other options to choose according to your areas of interests. When you are all done with the selection of a profession you are interested in, the next most vital aspect that actually plays a major role is the choice of school that can help you get or upgrade the proficiency in your chosen field.

Today there is quite a huge number of Allied healthcare schools that are providing Allied health programs. Availability of health schools in great numbers may show you overwhelming career growth prospects, but ultimately choosing any one of them without performing a good research is never going to be a good idea. Many health schools make big promises of following high education standards, but later you may find the quality of education not meeting the standards that it meant to be. Certainly, few important measures can help you overcome all these sort of problems. You can actually avoid being cheated if you take on specific measures to judge an Allied health school. Here are some of the most valuable points that you need to consider and examine again and again before you make a final selection of an Allied health school:

Check the Accreditation Status

No matter what program you decide to pursue, the most important and foremost thing is to check is whether the chosen Allied health school is accredited or not. Now you may ask – what’s the benefit of an accredited health care school? An Allied health care school before being accredited is reviewed by an independent third party. Moreover, in case your health care program requires certification or licensing, then the courses can be transferred to another post-secondary institution. You can also avail student aid programs, which you can get only from an accredited school.

Look for broad range of health services-related programs

At times, it can be beneficial for you get as many health programs as you can in one Allied health school because this offers inter-disciplinary study and collaboration. With many health care programs having shared classes, as the mandatory courses can provide an opportunity to meet students from other programs and create a network of health service professionals.

Try to know the class size

You may be wondering how a class size can affect your learning program and in turn your selection of a good school. Ultimately, the answer is that you may find yourself working better in a small group setting then large lecture hall that can make you bit uncomfortable. On the contrary, you need to determine your choice and find if the school actually meets your need or not