One Size Health Insurance Does Not Fit All

Health insurance coverage and associated costs vary greatly based on whether the insurance is an individual policy (for the self-employed/unemployed), for a small businesses (from 2 to 50 employees), or for a large group. Coverage for group plans is far more comprehensive and considerably less expensive because there are more people paying into the insurance pool making more money available group-wide to cover medical claims.

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Those who try to get health insurance on their own, either because their employer does not offer this benefit or because they are self-employed or unemployed often have difficulty obtaining health insurance. Many simply cannot find an insurance company in their state that is willing to offer individual plans. Pre-existing conditions complicate this search and put individuals into a ‘high-risk’ category. It’s often the reason coverage is denied.

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Those who are fortunate enough to find individual coverage don’t feel so fortunate once they review the policy details. They typically find that the cost is significant and the coverage less than desirable and loaded with out-of-pocket costs. Those who obtain health insurance on their own can usually purchase a family plan, but then the costs are even higher.

Those individuals who are employed by small businesses, defined as having more than 2 but 50 or fewer employees, also find themselves in a difficult situation when it comes to health insurance. If the employer chooses to, it may offer a group type of health insurance to the employees. When applying for coverage, the overall costs will be based on the number and physical condition of all the employees who wish to participate. High risk individuals and those with pre-existing conditions will bump up the costs for everybody. Even so, the costs for this type of coverage will usually be better than if each employee obtained an individual policy. Employers are not required to cover other family members and can choose the percentage of the employee’s costs that they will cover.

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Group health insurance generally offers the best coverage at the most affordable price. Group insurance is available to all eligible employees of the company offering the health insurance and generally also to the employee’s immediate family members, including spouse and/or children. A group plan must accept every eligible employee even if the person has a known pre-existing condition and even if that person or his/her family members fall into a high-risk category.

Whether you need private health insurance if you participate in a group health plan is not an easy question to answer. To adequately assess this situation, you’ve got to review your group insurance coverage and compare it to what you need. Some group health insurance plans exclude certain medical services such as dental and vision care, experimental treatments, cosmetic surgery, some mental and substance abuse therapies, and more so you may find you need to complement your group plan with a private health insurance plan. In doing so, you’ll incur more costs so you’ll have to weight the additional benefits against the additional costs to see what makes sense for you.

Winter Eye Problems

During the winter months, the weather and environment can really affect your eyes, and this can often be forgotten about. Here are some common eye problems people can suffer with during winter and tips on how to combat them.

Dry Eyes

During winter, the weather is colder and windier and this can really dry the eyes, but also when you try to warm up by using heat, such as a blower heater or central heating, this can also dry out the eyes. Some easy tips to help combat this problem is to use artificial tear drops to keep your eyes hydrated throughout the day, drinking plenty of water, and even warm soup, will keep your body and eyes hydrated. Also try to avoid direct heat, especially heat that is blowing directly in your face, like car heaters for example, try to direct the airflow away from your face. If it is a windy day you can use glasses or goggles to help protect your eyes from the wind directly drying out your eyes. If you already suffer from dry eyes it is always a good idea to speak to your ophthalmologist if you are struggling in the winter months, as they will advise what else you can do to keep on top of your dry eyes during winter.

Tearing Eyes

Apart from winter weather drying out your eyes, the cold weather can also make your eyes over produce tears which can be very annoying and can make vision blurry. The best thing to help with this is to wear glasses, goggles, or sunglasses when outside to avoid the wind causing watery eyes. Also, if you are wiping your eyes to get rid of the tears make sure you use clean tissues or cloths to avoid infection. Excessive tearing eyes can also be caused by other factors such as infection, blocked tear duct, or surprisingly dry eyes, so if you are concerned make an appointment with your eye clinic or opticians so they can check it out.

Tired Eyes

The winter months are darker and natural light is less which can make certain tasks more difficult, reading and writing for example. Straining your eyes to see in lower light can cause eyestrain making your eyes feel tired quicker than usual. To help avoid this try having a lamp on when carrying out close work and if you require glasses to see well, make sure you wear them to avoid overstraining your eyes.

Light Sensitive Eyes

The sun tends to be lower in the sky during winter and this can cause difficulty seeing, especially when driving, light sensitivity, and damage caused by UV rays. Try to make a habit of not only wearing sunglasses in the summer, but also the winter. If you drive, keep a spare pair of sunglasses in your car so you are always prepared for the low, bright sun. Sunglasses also protect your eyes from the sun’s harmful UV rays which can contribute to many eye issues, such as cataracts. Make sure your sunglasses are 100% UVA and UVB protected.

Red Eyes

Red eyes can be a sign of many things, such as tiredness, dryness, blurry vision, over tearing, infection, and inflammation. Winter weather can cause eye redness due to many of these factors but also it can be caused from the sunlight either directly or from being reflected on snow for example. This can lead to inflammation of the cornea causing the red eyes, therefore this is another reason why wearing sunglasses or snow goggles is so important in winter.

Cheap and Simple Way to Manage Our Savings

Have you checked your coverage for better coverage price fees recently? Many human beings forget about this simply due to the fact they don’t want to go through all of the issues searching out coverage fee statistics or evaluating costs, and decide to stick with the vintage organizations which they think have already given them the excellent fees and insurance even though the rates are raised by means of the organizations. If that is what happen, they could have missed the chance of having better rates and coverage provided with the aid of different insurance businesses in the marketplace.

In each insurance corporation, insurance price is dynamically modified via time. There are such a lot of aspects which could impact the fee changing whether it’s miles an outside or inner issue.

Government rules and regulations, political and financial scenario, business atmosphere which include number of competitors, or maybe a herbal disaster could be considered as external elements that provide impact to an coverage rate as well as the insurance. For example when the political scenario is getting hot which would possibly trigger some riots or civil commotions coverage agencies will raise their charges since the danger factors are growing, and they might lessen the increase insurance for RSCCTS (rebellion, strike, civil commotion, terrorism, and sabotage) or provide an additional fee for the gadgets. But if an coverage business enterprise finds numerous competition in the marketplace selling the same insurance product, this can make the agency decrease their charge and occasionally offers a higher insurance and service.

While the inner elements typically have something to do with the loss and earnings of an insurance employer. Let’s say insurance company A offers automobile insurance and house owner insurance. Due to a catastrophic in a single place, they should pay out a large amount of homeowner insurance claims. To cowl the loss over the home owner coverage claims, the organisation may additionally improve premiums for his or her auto insurance customers. But if the organization is in a worthwhile year they might lower their prices to draw greater clients. Beside that, certain record of costumers can also have an effect on the coverage rate like credit score history or using report within the case of auto coverage.

Since there are such a lot of factors that would affect the raise or lower of insurance fees, we can be certain that there is no guarantee we can continue to obtain the first-rate rates from the time we signed with an coverage employer. Like I stated earlier than, coverage rate is dynamically modifications via time, so even though we nonetheless pay the equal charge just like the first time we signed with an insurance business enterprise or maybe decrease than that, we still have a threat of getting a higher insurance deal available on the market.

To make sure we have become the high-quality price, pleasant is to make a regular overview of our policy and then make a assessment in opposition to the offerings from different competing coverage companies. Not like inside the beyond, whilst to reap coverage charges should take a number of time and waste a lot power considering that we ought to spend hours at the phone and having lots of meetings with special insurance agents, nowadays we will easily get unfastened coverage rates from the internet. This could be accomplished in a very short time, most effective by means of filling out the net questionnaire and with out lifting the cellphone or leaving domestic, we already can acquire free insurance rates from many specific coverage groups.

We can get unfastened coverage charges from coverage enterprise web sites, coverage broking websites, or from some other insurance web sites that have free coverage fees tool. If we’d want to have a more element data on insurance and offerings of an coverage product beside the charge, we can get a loose insurance quote from coverage organization websites. But this way, we are going to ought to journey from internet site to website to get charges from other coverage groups and additionally we ought to fill the questionnaire shape again and again. So if we would like to save a bit time and strength, we are able to get unfastened coverage rates from insurance consulting websites that offer free insurance rates. We can effortlessly find those web sites by using actually kind “unfastened insurance prices” at the search engine, and we’ll locate hundreds of websites imparting to provide unfastened insurance charges. The high-quality aspect is we do not should visit some other websites to get coverage charges from unique insurance agencies and normally we simplest should fill the questionnaire shape as soon as. These kind of web sites commonly also provide tips on a way to get the first-rate price, coverage, and different coverage offerings.

Understanding Temporary Or Short-term Health Insurance

There are a variety of reasons that you may find yourself in the market for temporary or short-term health insurance. You may have graduated from college and can no longer be covered on your parent’s policy, but don’t have a job yet that will provide coverage. You may have lost or left your job and now need health insurance coverage until you find a new one. Or you may have started a new job and have to wait a period of several months before you are covered under their plan. Whatever the reason, going without health insurance coverage, even for a few months, can be a costly gamble. If you find yourself in this predicament, temporary health insurance coverage may just be the key to solving your dilemma.

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What Is Temporary Health Insurance Coverage?

It’s basically just what the name suggests. Temporary health insurance coverage offers you the opportunity to continue to be covered under a health plan for a limited amount of time, usually one to six months, although there are plans out there that will cover longer periods of time. If you find you will need to be covered for more time than you originally thought, some temporary policies can be extended past their expiration date, but you may want to consider getting a more traditional health insurance plan instead.

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What Do These Plans Cover?

We do not mean to show some implication that health insurance have to rule the world or something like that. We only mean to let you know the actual meaning of health insurance!

Temporary health insurance plans cover most of the same types of medical occurrences that permanent policies do, but there are some very important differences.

For one, these plans are usually strictly indemnity plans. Preventative treatments like check-ups, as well as dental and optical coverage are generally not covered. Pre-existing medical conditions and work-related injuries or illnesses are also not covered.

Your temporary health insurance policy will generally cover any emergency medical care you may need, prescription drugs, hospital and intensive care needs, lab and x-ray needs, ambulance care, and even some in-home medical care.

How Do I Get It?

Your first step should be to find an agent that specializes in temporary health insurance. Decide in advance how many days or months you need the coverage and when you want it to start. Pay attention to the ‘exclusion’ clauses in the policy and ask questions about any concerns you may have. Review the application and make sure all your personal information is correct before you sign anything. Also, remember to get a copy of all paperwork for your files.

The cost of the temporary health insurance plan will depend on the type of coverage you pick. To keep the cost down, you can choose to have a higher deductible with a 50/50 co-insurance option rather than the more common 80/20 ratios. There are some extras that you may want to consider, though. With the high cost of prescription medicines, you may be better off buying the coverage rather than leaving it off.

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The important thing is to read through the temporary health insurance policy carefully and make sure you are being offered the coverage you think you are paying for.

How Does Drinking Alcohol Affect Your Eyes

Drinking alcohol can of cause effects to your entire body including your eyes. A low intake of alcohol shouldn’t cause you any health problems but drinking alcohol heavily can potentially cause health problems including harmful effects to your eyes.

Here are a few of the effects heavy drinking can have on your eye health.

Pupils

Alcohol can cause slow pupil reactions. It slows down the iris’ ability to dilate and constrict. This might not seem to be too much of a problem at first but if you have been drinking alcohol, even a small amount, and then drive your pupils won’t react as quickly to oncoming car headlights, therefore dazzling your vision which could cause an accident. So even if you have drunk alcohol and it is under the legal limit for driving and you feel fine to drive, think again about the other effects the alcohol is having on your vision.

Vision

Drinking alcohol can not only affect your pupils but also your general visual performance, especially if you have been drinking heavily. The alcohol can weaken the eye muscles which can cause blurred or double vision and also can cause delayed reactions.

Peripheral Vision

Not only can your general vision be affected after heavy alcohol consumption but your peripheral vision can change. Alcohol can sometimes lower your peripheral vision sensitivity and this can give the sensation of tunnel vision.

Contrast Sensitivity

Another way alcohol can affect your eyes is by making them less contrast sensitive. This means it can be harder to tell the difference between shade of grey.

Eye Lid Twitching

Eye lid twitching can be caused by many factors and one of these is a high intake of alcohol. If you suffer with eye lid twitching and drink heavily, try to lower your alcohol intake and see if your eye lid twitching improves.

Eye Dryness

A study carried out by the Hallym University College of Medicine indicated that drinking alcohol, even a small amount, reduced tear breakup time and induced tear hyperosmolarity which in turn can result in eye dryness.

Optic Neuropathy

Optic neuropathy can also be caused by consuming alcohol in excessive amounts. It can cause loss of vision which is normally painless, lowered peripheral vision and issues with seeing and distinguishing colours. This is an ongoing condition which gets worse as time passes and is much more serious that the ones mentioned above. If you suspect you may have optic neuropathy or any eye concerns relating to alcohol consumption you should get an appointment with an ophthalmologist, who can carry out a thorough eye exam.

Eye Appearance

Apart from the effects alcohol can have on how your eyes work, it can also alter the appearance of your eyes. Drinking alcohol can make the blood vessels in your eyes dilate which makes them look very red, and long term heavy drinking could cause this to be a lasting effect.

Migraines

It has been shown that, in some people, alcohol can start off migraines or severe headaches. If this happens you can initially suffer with a visual aura at the start of the migraine or headache, which is temporary but can be visually debilitating causing blind spots or light patterns in your vision

When You Need Short Term Health Insurance

Do you know how valuable health insurance can be? Are you aware of how much trouble you will be saving yourself from if you get an insurance plan today? Having health insurance means that your insurance company will be helping you pay for some of the expenses you may incur when you require medical attention. Some insurance plans take care of your hospitalization, your treatments, and also the medicines you will need.

Other health insurance plans cover for a certain amount, so you can go for regular doctor visits and checkups. If you will require tests as instructed by your doctor, health insurance should help you out. One of the benefits that working individuals receive from their employers is insurance. Most companies include their employees under a group health insurance plan.

What if you are unemployed, or if you recently resigned from your company? Will you still be insured? Unfortunately, you will not be included under the group health insurance plan as mentioned before. Of course, you will still need to be insured, because you can never tell when you might be in need of medical help. Then it is about time that you get short term health insurance for yourself.

Also, if you were a student, and you have been under a student health insurance plan during your four years in college or in the university, you will also need short term health insurance. When is this required of students? Some student insurance policies only cover the amount of time they spend in the academic institution, or a short period after they graduate. When this student graduates, and he or she is still looking for a job, he or she might not be covered under student insurance anymore. He will then need short term health insurance as well.

Short term health insurance is a very flexible policy to apply for, because you can determine the terms of your plan, may it be for a few months up to a year. Employees who are on strike from their company might also need short term health insurance, aside from graduated students or resigned employees.

Short term health plans are often geared toward the more healthy, and with a higher deductible you might find it useful in providing piece of mind during times when you’re between employer sponsored health plans. People not on the top end of the healthy spectrum might find it more difficult to find coverage, or to afford it if a carrier is willing to offer a policy.

Many people find short term health insurance to be a less expensive alternative to COBRA when they are between jobs. It is always a great idea to do comparison shopping and do a side-by-side evaluation of your COBRA policy with a short term health policy. One of the more noticeable differences in the coverage is the deductible, which is often significantly higher for the short term health plan, so people between jobs often consider the short term policy as a means to save money but still be covered in case of a major medical event.