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As the owner of an independent health insurance agency and the founder of a website for comparing health insurance providers I often get asked, “What type of health insurance do YOU have?” Of course, no one health insurance company or health insurance plan is right for everyone because everyone has different needs, lives in a different area, etc… but I can certainly feel comfortable telling people that I personally have a Health Savings Account (HSA) and I absolutely love it!
Here are 7 reasons why I love my HSA:
#1 All Contributions to my HSA are Tax Deductible

Every single dollar that I contribute into my HSA http://www.easytoinsureme.com/united-health-one.html every year is deductible on the front of my personal 1040 tax return (up to certain annual limits imposed by the IRS – for 2010 the maximum deductible HSA contribution is $3,050 for singles and $6,150 for families with those age 55 or over getting an extra $1,000 allotted maximum contribution amount).  This HSA contribution deduction is great because it is an “above the line” deduction meaning that it is deducted before arriving at your Adjusted Gross Income (AGI) number.  To make this deduction even better there are absolutely no income phaseouts for the HSA contribution deduction so you could be Bill Gates or Warren Buffet and still take the full HSA contribution deduction.  The more money you make the more attractive this deduction is to you.
#2 The Money in my HSA Grows Tax Free

All of the money in my Health Savings Account grows tax free as long as I use the money in the account for qualified medical expenses or wait until I am age 65 or older and use it for my retirement.  Yes, you heard me right “Tax Free” not just “Tax Deferred” as you may be accustomed to hearing about with a 401K or other similar tax deferred account.
#3 I Can Choose any Health Insurance Company I Want

Another reason I love my HSA is that the HSA itself is simply a savings account with some special paperwork so that it receives special treatment from the IRS.  The HSA itself is NOT health insurance but is simply the second component of what is commonly thought of as a HSA health insurance plan with the first component being a high deductible health insurance plan (according to the IRS a high deductible health insurance plan is any health plan with a deductible of at least $1,200 for singles and $2,400 for families – so still pretty low minimums).  What this means is that many different banks offer Health Savings Accounts and you can choose the bank that you prefer to set up your HSA and then buy your high deductible health insurance plan from any insurance company that you like.  You can even purchase a plan from United Healthcare one year and then shop around in year two and switch to a potentially cheaper plan with Humana and then in year three switch to Blue Cross Blue Shield, etc.  This ability to constantly comparison shop and not be tied to one particular insurance provider is a great benefit to an HSA (as your actual savings account component of the plan still stays with your original bank).
#4 I Pay Very Low Monthly Premiums

The higher the deductible is on your health insurance plan then the lower your monthly premium payments will be.  Since a high deductible health insurance plan is a requirement for opening a Health Savings Account then one of the nice things about the plans is that the monthly premiums are comparatively very low!  I would much rather save a large sum of money every month by paying less in premiums each month than paying extra for a very low deductible and co-pays.
#5 I Am Firmly In Control of My Health Care Dollars

The beautiful thing about an Health Savings Account as compared to a Flexible Spending Account is that while Flex Spending Accounts require you to use up the money in the account every year all of the money that you contribute to an HSA rolls over from year to year.  In fact, as mentioned above, even if you don’t end up using the money in your HSA for medical expenses (a good thing!) then when you reach age 65 you can withdraw the money tax free for your retirement.  Most HSA custodians will give you an option to place your HSA money into a savings account, investment account, etc. as the decision is up to you as to where you place your HSA account money.
#6 I Can Rest Easy

Admittedly some people simply sleep better at night knowing that they have a very low deductible and low co-pays for things like doctor’s visits and prescriptions and I understand that but I like to think of it like this -  After your first year of contributing the maximum to your HSA then unless you use up all of the money with a large unforeseen medical bill then you will have enough money in your HSA for years two and on that even if you have to meet your deductible then as long as your HSA health insurance plan covers all expenses 100% once the deductible is met then you effectively have zero out of pocket costs because you already have the money in your HSA account!  Sure, if you start an HSA tomorrow and you have only contributed a couple hundred dollars into the account so far and you get hit with a big medical bill then you will have to come out of pocket for your deductible amount but once you have maxed out your HSA contribution for a year or two then you are essentially home free with potentially no additional out of pocket costs even for large medical bills!
#7 HSA Setup is Very Easy

If you can open a savings account then you can open a Health Savings Account just as easily.  If you can apply for a regular health insurance plan then you can apply for a high deductible health insurance plan just as easily.  Almost every bank has HSA’s available and almost every health insurance company has high deductible health insurance plans available.  Setting up an HSA is so easy that I probably took twice as long to write this article as it would take you to apply for both a Health Savings Account at your bank and a high deductible health insurance plan at your health insurance company.

What you put into your body determines just how you live or how long you live. Food takes in vital nutrients, giving you energy for life and aiding in all bodily functions. You receive nutrients from food for maturation and health. There candidly isn’t one food has all the nutrients that you need, hence the four basic food groups comes to the rescue. Eating from the four basic food groups enables you to acquire the nutrients you need from eating a balanced diet.

What Are the Basic Nutrients Found in Food?

Fats and carbohydrates are also vital to splendid health. They will give you the energy you need. Multitudinous foods comprise of fat and carbohydrates. Milk, cheese, and butter are rich in fat and foods from the bread and cereal group such as pasta is rich in carbohydrates. Fruits also incorporate a fair amount of carbs. It is advised that you should use fats in your diet sparingly as it can purpose heart malady and unwanted weight gain in some people.

Proteins are an considerable nutrient. Proteins can be found in a wide potpourri of foods. Meat, fish, eggs and poultry are very rich in proteins. Your body utilizes proteins to form advanced cells.

Bounteous people take a daily vitamin supplement. Did you know that you can also get an adequate amount of vitamins from food you eat? Vitamins help your body to grow and maintain stupendous health. The origin of the term vitamin surfaced in the early 1900s. The general consensus was that vitamins contained nitrogen and was consequently spelled “viatmine”. After it was discovered that all vitamins do not emcompass nitrogen, the “e” was dropped.

Vitamins can be found in foodstuffs or can be obtained as an over the counter pharmaceutical. Sometimes when foods containing life-giving vitamins are cooked, a immense deal of those vitamins are lost, so taking supplements may be helpful. If one does not get the required amount of vitamins in his or her diet the metabolic balance can be disrupted and deliberate health problems could arise. Some of the vitamins you will obtain in foods are:

Vitamin A

This is found in carrots, sweet potatoes, melons and green leafy vegetables to name a scattering. Vitamin A is essential for healthy skin and positive eye function.

Vitamin C

This is found in citrus fruits such as oranges and lemons. Broccoli and other dark green leafy vegetables also consist of vitamin C. This vitamin is probably most well known for the effects it has on the cold virus. Taken in additional amounts it has been proven to ward off the cold virus or lessen the effects of it. Vitamin C also gives you healthy bone and blood cells.

Vitamin D

Vitamin D can be found in milk, eggs, and saltwater fish. It will give you strong bones and teeth and help you grow. You can also get vitamin D from the sun.

Thiamin and Niacin

These vitamins help you to digest food and aid in nervous system functions. Foods containing these vitamins include eggs, peas, liver and some meat.

Minerals are another vital nutrient that helps the distinctive parts of the body work as they are meant to. Some of the augmented significant minerals are calcium, iron, potassium, and sodium.

Calcium helps with the growth of teeth and bones as well as the functions of your heart and muscles. Some foods rich in calcium are milk, cheese, yogurt and some vegetables.

Iron is found in liver, beans cereals, some dried fruit and some vegetables. This mineral helps blood carry oxygen to your cells.

Potassium and sodium both help to maintain the function of your muscles and nerves. Foods containing these vital minerals include cereals, salt, and some vegetables to name a scattering.

Understanding the nutrients found in food is just the basic step to eating right. All the foods are divided into four basic food groups. The food groups relief you decide just what you should eat. In each group there are opposed foods with incomparable nutrients. You should eat from the four basic food groups at each meal for a balanced diet.

The four food groups include the milk and dairy group, the meat group, the bread and cereal group and the fruit and vegetable group. You should eat a certain amount of food from each group everyday in order to get all the nutrients you need. Everyday you should have three to four servings of the milk and dairy group; one or two servings form the meat group, three or four servings from the bread and cereal group and three to four servings from the fruit and vegetable group. If you eat the right amount of servings from each group every day you will be eating a balanced diet.

Although water is not considered a nutrient or a food group, it is vital for life. You get water from multitudinous foods, but will get most of your water from by clearly drinking it. Water keeps your body hydrated and aid in blood formation as well as digestion. Drink eight to ten glasses a day for stupendous health.

In summary, schooling to eat right can take some time. Basic awareness of what the food groups consist of as well as what nutrients are and their function is key. A healthy body depends on your eating the right foods along with the right servings of each food.

Partying may feel good when you are in your twenties, but there is a big price to pay later. Inside the Living Body: SUN SEPTEMBER 16 8P et/pt : channel.nationalgeographic.com

Proactol Vs Hoodia

The heavy weight Diet pill face off!

There are a lot of things to say pre fight about both of these products, Proactol has had it share of Clinical Training and Development, backed by big hitters such as The Guardian and The Florida Style Magazine, where as Hoodia has been covered across America on ‘CNN’ and other news programs as being the new kid on the block, being a prickle Cactus of a fellow and the newest buzz word to rock the states!

But our first round will come down to success story’s not promoted by there own website!

Simple! a straite Google race to see to see which product has the biggest results!

Ding ! Round 1

Proactol moves in with a quote from a Blog page “I have been using PROACTOL now for 8 months , and have lost nearly 42 pounds. I am down from a size 16 to a 10, like I used to be. I am much happier, healthier and fitter thanks to this product. I’m so glad I found a review on PROACTOL. Thanks to Proactol I now have my shape back from 6 years ago. I feel like a new woman!”

Big opening move from Proactol but what can Hoodia come back with, “I started taking Hoodia in August. Now it’s been coming off a little slower because I have not been able to do the exercising that I should but I was restricted in doing that because of my back. I couldn’t lift any kind of weights or do any kind of physical activity, but Hoodia has helped me lose so far 40LBS and I feel great.”

With a close opening round edged by proactols Superior weight i can hear you all saying that this just could be extreme cases or how do we no its true..Simple google your self ‘ I lost weight with Proactol/Hoodia! and for those who are believer’s the fight continues!

Round 2 The Price OFF!

so whats a month supply and diet plan going to cost me! Well Hoodia is straite out of the trap, smashing in with a month Package at around £42 a little over a £1 a Day where as a month supply of Proactol comes in at around £52 mark! A slight victory for Hoodia but the Proactol package contains more pills! so fair to say this round was a draw.

Final Round The Knockout!

Hoodia has the edge with price, but something i have noticed when trying to buy this product is that every time i search for the product i get different pages selling Hoodia. Now there has been a few issues with products not being 100% genuine and lots of different price fluctuations and with that in mind, and Proactol being backed up by an excellent customer support team (which i have spoken too), a reliable Web page that’s both secure and fast and the fact that if your not completely happy with there product they offer a money back guarantee. The judges decision has to go with Proactol for an all round package that provides results and guarantees success, Well that’s gets my vote!

I’d like to start using a natural skin care system that includes a foaming cleaser, toner and moisturizer. Can you recommend any brands? I’ve been looking at the ingredients in the products I have been using and it’s getting harder and harder to use stuff whose names I can’t pronounce!

1/3 www.youtube.com Swine Flu: Master Acupuncturist and Herbalist Seattle, Chicago, San Francisco… ETC see daoian.com

Each year, hazards in the home cause millions of illnesses and injuries across the nation. Many can be prevented by keeping your home clean and well-maintained. Recognizing problems and correcting them can protect you and your family. In HEALTH BEGINS AT HOME, several common problems and simple solutions are discussed. Comments on this video are allowed in accordance with our comment policy: www.cdc.gov This video can also be viewed at www.cdc.gov

Week of March 15, 2010

The White House last week continued to rail against rising health insurance premiums to help build popular support for his health care reform package. But the effort to focus the blame for rising costs on insurers was questioned, in particular, by state insurance experts and economists quoted in a New York Times story last week. Insurance commissioners said that trying to hold down premiums before costs were under control would be very risky. This approach could mean solvency issues in some cases, they told the Times. To help educate Americans about the true drivers of rising health care costs, America’s Health Insurance Plans, the industry trade association, last week launched a new national ad campaign. The ad demonstrates that health insurance company costs represent a small slice of the overall health care cost pie.

Federal

With a cadre of staff operatives searching for the right health insurance reform provisions among those previously discarded from the House, Senate and the President’s proposals, Democratic leadership has been relentlessly pursuing every possible pathway to pass a final bill. The expected process would have: 1) the House pass the Senate-adopted reform bill (which most House members hate), 2) the House passing a bill to “fix” all the things it hates using a reconciliation legislative vehicle, followed by 3) the Senate passing the very same reconciliation bill — requiring only 51 votes in the Senate. The House Budget and Rules Committees are expected to start the review, hearing and mark-up process of the reconciliation bill this week. The Senate commitment to using reconciliation was made official in a scathing letter from Leader Harry Reid to the Minority Leader. Along the way the two Chambers will need to see the latest CBO “scores” on the bill before voting, and 216 House Democrats will have to resolve policy disagreements over abortion, federal health insurance rate review and authority, and other substantive issues. Additionally, the House will have to trust that the Senate can pass the reconciliation measure without changing one comma. Partisanship has blossomed into open hostility over health reform. Whether Congress can overcome these policy, process and political mine fields remains as murky as ever, but Democrats have chosen to try and will push for resolution by the Easter recess.

The Senate has passed Jobs Bill II and shipped it off to the House, where passage is not certain. Within the bill are two health-related items of note. First, the COBRA eligibility and subsidy program will be extended to the end of 2010. (These provisions are set to expire at the end of March.) Second, the bill contains a suspension until September 30, 2010 of the cut to physician Medicare reimbursements for the current calendar year. (This provision is also set to expire at the end of March.) Aetna urged Congress to apply the “doc fix” to next year’s reimbursement as well, since insurers’ Medicare rates are based on what doctors are paid, but in the end Congress failed to make this change. Aetna and the industry will continue to find ways both to establish a more lasting, if not permanent, doc fix and to devise a legislative solution to the disconnect between doctor reimbursement and Medicare Advantage rates for 2011 and beyond.

States

ARIZONA: Budget issues remain front and center as the governor and Republican leadership proposed a plan they hope will close the $700 million deficit this year and reduce the anticipated $2.6 billion deficit in 2011. Righting the state’s fiscal ship has become a very partisan exercise, with the Republicans supporting reductions in Medicaid and KidsCare, and the elimination of full-day kindergarten. As the special session on the budget is running concurrently with the regular session, no other bill hearings were held. The oral chemotherapy parity bill may be dead for this year as proponents did not meet the deadline for submitting amendatory language.

CALIFORNIA: The Assembly Accountability and Administrative Review Committee chaired by Assemblyman Hector De La Torre held a hearing last week to examine how the Department of Managed Health Care (DMHC) and the Department of Insurance (CDI) has handled issues surrounding the rescission of policies in the individual market. According to a report prepared for the committee by Bryan Liang, director of the Institute of Health Law Studies at the California Western School of Law, fewer than 300 of 6,000 former policyholders are participating in health insurers’ agreements to settle such cases. Republican committee members were highly critical of this witness, while De La Torre was critical of the Departments. The DMHC reported that since their settlements were completed there have only been nine rescissions over the past two years, proof that the DMHC and the health plans have revamped their processes for rescission and have worked to address the problem.

COLORADO: A bill mandating maternity and contraceptive coverage in individual policies continues to receive significant attention in the Senate. The most recent amendment proposes requiring maternity coverage in at least three of the plans marketed by an insurer. It would also allow a current member of a plan without maternity coverage to switch to a plan with maternity coverage from the same carrier during the first trimester. The other major bill would require that second level appeals be performed by physicians who are actively involved in clinical practice. This measure is counterintuitive in the current economy, since it would result in outsourcing appeals and drive up costs for plan sponsors and their employees.

CONNECTICUT: A proposal that would require health insurance plans to cover oral chemotherapy in the same way that intravenous chemotherapy is covered made it through the legislature’s Insurance and Real Estate Committee last week. Currently, many health plans treat the two kinds of cancer treatments differently. Chemotherapy treatments that come in pill form are often categorized as prescription drug benefits that can require patients to pay a larger share of the cost. Cancer patients, doctors and patient advocates spoke in favor of the bill, while insurers and the Connecticut Business and Industry Association opposed it, arguing that it would put a mandate on health plans that could raise costs and make it more difficult for employers to afford insurance.

GEORGIA: A bill restricting the use of rescissions in individual health insurance policies passed a Senate committee last week. Aetna continues to work with its trade organizations to educate legislators about the adverse effect of this type of legislation. Discussions also continue regarding legislation affecting the use of rental networks.

KANSAS: Roughly half way through the legislative session, several health care bills are still moving through the process. On the regulatory front, the Insurance Department has proposed a regulation that would mandate coverage of routine patient care costs while the insured is enrolled in a cancer clinical trial – a mandate that was rejected by the legislature in 2008. A hearing will be held on April 20, and Aetna will have an opportunity to present testimony on this issue. Bills still alive include mandates for autism and orally administered chemotherapy, legislation prohibiting dental contracts that require the dentist to follow a fee schedule for non-covered services, and a ban on “most favored nation” clauses by some insurers. Another bill would allow small employers to create individual HRAs to fund premium payments on individual policies, require administering insurers to offer employees the option of receiving health insurance coverage through a high-deductible health plan with an HSA, and requiring insurers who offer small group health plans to offer high-deductible health plans with HSAs, while authorizing tax deductions for health insurance premiums for individual insurance policies. Separate legislation would amend the definition of “eligible employee” to include part-time workers (currently less than 30 hours per week). Pending legislation concerning hospital charges would prohibit charging private-pay patients more than 25 percent of what the hospital’s highest volume private payer would pay for the same goods or services. Legislation that died includes a telemedicine mandate and creation of a health care insurance database for employers.

KENTUCKY: Health issues that are being hotly debated by the legislature right now include an autism mandate, a dental bill that would not allow insurers to hold dentists, optometrists or ophthalmologists to a fee schedule for non-covered services, and a bill setting a reimbursement floor for chiropractic services. The chiropractic services proposal would allow chiropractors to bill, and would require insurers to reimburse, an evaluation and management (E&M) CPT code on each and every visit. In addition to billing for follow-up services for manipulations and other therapies, the chiropractor would be allowed to submit, and the insurer required to pay, for another E&M code on each and every visit. The legislation would also add a new mandated benefit to the Kentucky statutes. Currently, reimbursement for chiropractor visits is required only if the chiropractor performs a service already covered by the health benefit plan. Under the proposal, any service within the scope of practice of a chiropractor that is billed would become a mandated benefit. Finally, the bill would require health benefit plans to provide reimbursement without the chiropractor having to provide any documentation that the services were medically necessary. Each of these bills has, or is expected to, pass at least one chamber.

SOUTH DAKOTA: Several important legislative deadlines are approaching, resulting in a flurry of activity. Bills or resolutions not passed by the second chamber by March 9 died. But the Governor has already signed a bill that amends the premium rate-setting procedure for the high-risk pool so that rates for a given classification are 150 percent of the average actively marketed premium. The pool will have to offer three or more plan designs, remove coverage requirements for the plans (such as disease management) and remove set cost-sharing values. The bill was signed by the Governor on March 1 and will become effective on July 1, 2010. The Governor has also signed a bill prohibiting rating based on injuries caused by domestic violence and legislation requiring refunds of premiums for partial months, in the case of mid-month cancellations. Both chambers have passed legislation prohibiting contract language requiring dentists to accept a fee schedule for non-covered services, and the bill awaits the Governor’s signature. Finally, the legislature passed a resolution opposing the federal health care reform proposals passed in the U.S. Senate and House.

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