Author: ldobson

 

Obamacare vs Private Insurance Review

Obamacare has doubled the cost of insurance in most statesObamacare Has Doubled the Cost of Individual Health Insurance. Data on how much Americans paid for health insurance confirm that Obamacare’s mandates and regulations dramatically increased the cost of individual market health insurance in almost all states.

If you’re still searching for health insurance outside of the open enrollment period, a non-Obamacare plan could provide the coverage you need.

It’s no secret that the Affordable Care Act, Obamacare, is driving up the cost of health insurance. But forgoing insurance is not a good option. So what can you do to potentially save money and still have good coverage?

Many people are turning to non-Obamacare plans, also known as Term Medical plans. There’s a lot of misinformation floating around about this kind of insurance, so we’re here to clear it up.

First, let’s quickly cover what exactly these plans are. Some of the features include:

* Greater savings through PPO plans with lower deductibles and out-of-pocket costs
* Available for up to one year
* Access to more doctors, office visits, hospital stays, and surgeries
* Real medical insurance with up to $2 million in lifetime benefits

Get started with a quote now >> > 

Now let’s dig into the myths surrounding Term Medical plans and lay out the facts.

MYTH: Non-Obamacare plans have limited coverage.
FACT: These plans provide excellent coverage for doctors, office visits, hospital stays, surgeries, and prescription drugs up to $2 million a year. They also offer your choice of many more doctors and hospitals than Obamacare plans have.

MYTH: I will have to pay a tax penalty for purchasing a non-Obamacare plan.
FACT: You may or may not have to. You should speak with your tax preparer about the options available to you. Plus, if you’re on one of these plans for only part of the year, the tax is pro-rated so you won’t have to pay the full amount. In many cases, the savings on premiums outweighs the tax penalty.

MYTH: If I get sick I’m stuck with this plan.
FACT: You can go back to an Obamacare plan during the next open enrollment season with no medical questions asked.

MYTH: These plans don’t cover maternity, mental health, or pre-existing conditions.
FACT: Ok, this one is actually true, but it’s not necessarily a bad thing. If you don’t need these benefits, why would you pay for them like you will in an Obamacare plan?

MYTH: I have to answer a lot of medical questions.
FACT: You will have to answer some simple medical questions about mostly major conditions like heart disease, cancer, stroke, etc. But if you live a healthy lifestyle, and you qualify, the savings are huge. Plus, you can rest easy knowing that you’re not just helping to pay for sick people that are in Obamacare plans.

MYTH: I can just go without health insurance this year. I’m healthy.
FACT: That’s a bad idea. Did you know the number one reason people file bankruptcy is because of unpaid medical bills? What if you break a leg? That could be $5,000 out of your pocket. What if you need an appendectomy? That could be $25,000 out of your pocket. What if you have a heart attack or stroke? That will be a whopping $100,000 or more.

Affordable health insurance plans

MYTH: I already bought an Obamacare plan. I can’t switch until open enrollment.
FACT: Even if you already bought an Obamacare health insurance plan, you can cancel it and purchase a non-Obamacare plan outside of open enrollment.

Do any of the points below apply to you?

* Premiums for your Obamacare plan are unaffordable, and the deductible is way too high.
* None of your doctors or hospitals take your Obamacare plan.
* You have no coverage at all because Obamacare costs were too high during open enrollment.

If you said yes to any of these, it’s easy to check out rates for a non-Obamacare plan at www.lloyddobsonsrhealthinsurancegroup.com. You can start saving money in a matter of minutes.

 

How To Find Kids Affordable Medical Insurance

How To Find Kids Affordable Medical InsuranceHow To Find Kids Affordable Medical Insurance

Unless we are qualified for an excellent employer-sponsored group medical insurance plan, medical insurance can in some cases be anything but cost effective.

Numerous of us choose not to purchase health insurance coverage for ourselves when this is the case. We rationalize not acquiring medical insurance by informing ourselves there are mouths to feed, bodies to clothe, and other costs to be paid.

Denying ourselves medical insurance is not sensible; nevertheless, denying our kids medical insurance is even worse. Kids’ health needs a lot more attention than our health. Kids require immunizations to help them ward off diseases and infections and grow strong and healthy.

Kids require special attention to help them discover to practice excellent oral care routines and dietary ways of life. Plus, a bout of the flu, which typically indicates lots of rest and chicken soup for adults, might be a lot more major for kids.

Do, how can we find budget-friendly medical insurance for our kids– specifically if we can not seem to manage it for ourselves?

The very best choice is to call our state’s department of insurance coverage. Many states in America provide at least one sort of state-sponsored healthcare program for people who can’t otherwise discover budget friendly medical insurance.

How To Find Kids Affordable Medical Insurance

Even better news is that a lot of states in America provide kid-specific state-sponsored health care programs for kids with moms and dads who can’t otherwise discover economical health insurance for them.

Health care offered by state-sponsored inexpensive medical insurance for kids consists of all or any mix of the following: routine check-ups and health center check outs, immunizations, X-rays, lab work, prescription medications, and even dental care.

There might be days when getting budget-friendly health insurance coverage for yourself appears difficult, however discovering kids inexpensive health insurance is always possible. Discover cost effective health insurance for your kids; make sure they grow up safe, healthy, and pleased.

Unless we are eligible for an outstanding employer-sponsored group health insurance package, health insurance coverage can in some cases be anything however economical. Rejecting ourselves health insurance is not smart; however, denying our kids health insurance is even worse.

There might be days when acquiring budget friendly health insurance coverage for yourself seems difficult, but discovering kids budget-friendly health insurance is always possible.

Let us do the research for you to come up with the best affordable plan for you. GO HERE NOW

6 Foods Nutrition Experts Won’t Eat

Below are 6 Foods Nutrition Experts Won’t Eat.  These top nutrition experts avoid these foods — maybe you should too.

Put down the doughnut: Trans-fat foods like doughnuts can raise your heart disease risk.

Most of us are familiar with the typical no-no foods like sugared soda or anything deep-fried, but have you ever wondered what the experts steer clear of? Everyday Health’s nutrition mavens dish on the foods they won’t eat, and share tips for making healthier swaps.

1) Hot dogs, bacon, and sausages. Bonnie Taub-Dix, MA, RDN, CDN, Everyday Health columnist and author of Read It Before You Eat It, said she would never eat these processed meats, and for good reason: A diet high in processed meats like bacon and sausage can increase your risk of dying from cancer or cardiovascular disease, according to recent research.

Processed meats, like pepperoni, hot dogs, sausage, bacon, and deli meats, are best left for special or rare occasions like a trip to the ballpark or a family event. If beef or pork hot dogs and sausages are staples in your diet, Taub-Dix suggests chicken dogs or sausages as healthier bets. But beware the health halo of a food like chicken sausage, she said. Just because food items have some healthy qualities — like baked chips or 100-calorie snack packs — doesn’t mean they’re really good for you.

As with any processed food, watch out for sodium content. The Dietary Guidelines for Americans recommend limiting sodium to less than 2,300 mg a day — or 1,500 mg if you’re age 51 or older, or if you are African American, or if you have high blood pressure, diabetes, or chronic kidney disease.

Love bacon but hate the health repercussions? Use seasonings and spices like paprika and chipotle to add that smoky flavor to your cooking, suggested Taub-Dix.

2) Sugary coffee creations. “Those fancy blended drinks at coffee shops can have upwards of 400 calories and 15 teaspoons of sugar…yikes!” said Johannah Sakimura, MS, the writer behind the Everyday Health column, Nutrition Sleuth.

Unlike naturally-occurring sugars like those found in fruits (fructose), added sugars — syrups or sugars added to food items during preparation — can be harmful to your health. In fact, the added sugar Americans consume on a daily basis can more than double the risk of death from heart disease. The American Heart Association recommends no more than six teaspoons or 100 calories a day of added sugar for women, and no more than nine teaspoons or 150 calories a day for men.

If you can’t live without your favorite sweet coffee drink, Sakimura recommends indulging less often. “If you want to enjoy one occasionally as a dessert, that’s totally fine…but they definitely shouldn’t be a daily or even weekly order,” she said.

3) Stick margarines. Both Sakimura and Taub-Dix said they avoid trans-fat foods, which can raise your heart disease risk by boosting levels of bad cholesterol (low-density lipoprotein — LDL) and lowering levels of good cholesterol (high-density lipoprotein — HDL).

Sakimura avoids stick margarines because most are still made with partially hydrogenated oils, meaning they’re loaded with trans fat.  The American Heart Association recommends limiting the amount of trans fats you eat to less than one percent of your daily total calories. So, if you’re eating 2,000 calories a day, that’s just 20 calories. And since small amounts of trans fats occur naturally in some animal products, like meat and dairy, you’re probably meeting the 20-calorie threshold without reaching for factory-produced trans fats like those found in some margarines.

“When I occasionally make a baked good that requires solid fat, such as certain cookie or cake recipes, I always use butter. Butter does contain a large amount of saturated fat, but trans fats are far worse for your health,” she said.

4) Processed pastries. Everyday Health’s nutrition expert Maureen Namkoong, MS, RD, said she never eats processed pastries like Pop-Tarts, Twinkies, Devil Dogs, HoHos, or Hostess Cupcakes.

“The shelf life makes me nervous, too many preservatives, too many chemicals, too little taste,” said Namkoong. She prefers “real” desserts instead of these sugary snacks.

While the jury is out on the long-term effects and risks of preservatives in shelf-stable foods, a good rule of thumb is to eat fewer packaged, processed foods and more whole, fresh foods like fruits, vegetables, healthy fats and oils, and lean meats and fish.

 

5) Canned frosting. This is another trans fat offender that Sakimura avoids. When she wants to enjoy a nicely-iced dessert, she makes the icing from scratch.

“Hopefully, the proposed FDA ban on artificial trans fat will be finalized soon and we won’t have to worry about trans fat-laden products any longer,” Sakimura added.

Always read the product label for trans fat info. Why? Because right now, the FDA allows companies to round trans fat down to zero grams if the product contains less than 0.5 grams per serving.

“You have to turn it over and take a look at the label for hydrogenated fat or partially hydrogenated fat – that means trans fat,” Taub-Dix noted. There are bound to be similar products that aren’t loaded with trans fats, so opt for those instead, she suggested.

 

6) Sugar-packed cereals. Namkoong said she never eats sugary cereals because they’re not filling enough and have too little fiber. “The way I see it, the calories and sugar budget are better spent on a yummy dessert that I’ll enjoy more,” Namkoong said.

Sugary cereals your go-to guilty snack? Lower your sugar intake with this tip: “If you really like sugary cereals, and you know that they aren’t good for you, then mix them in a bowl with a cereal that is very low in sugar,” Taub-Dix recommended, so at least you’re getting less sugar per serving.

Lacking Health Insurance Coverage

Health Insurance CostsThe consequences of lacking health insurance coverage can be severe. Uninsured individuals often struggle to pay for medical care, leading to unmanageable debt due to their low or moderate incomes and limited savings.

It seems that health insurance premiums are increasing every year, with the deductibles and additional out-of-pocket expenses also on the rise. This makes it difficult for people to afford quality medical care.

Having health insurance may be expensive, but not having it can lead to even greater expenses. Here are four reasons why avoiding health coverage could end up being more costly:

Having health insurance can greatly reduce medical expenses. Health insurers that offer group policies have negotiated lower rates with healthcare providers, resulting in reduced costs for patients. On the other hand, individuals without health insurance are often charged higher fees for the same services.

Proactive preventative care can help reduce the frequency of doctor visits. Many health insurance companies provide free preventive services as part of their coverage, which may prevent more serious health problems that could be expensive in the future.

In some states, individuals may face a penalty for not having health insurance coverage.

The mental relief that comes with health insurance. A broken bone, emergency room visit or surgery can be financially crippling without it. Health coverage provides a safety net for unexpected medical expenses.

Unexpected Health Insurance Costs

Having health insurance is crucial, even if you are currently in good health and young. Not having it could result in overwhelming medical expenses from an unexpected accident or illness that may force you to use your retirement savings, take out loans, or file for bankruptcy.

Purchasing health insurance is crucial to avoid long-term financial burdens. There are various options available, including state-sponsored plans for those who qualify.

What Is a Catastrophic Health Plan

What Is a Catastrophic Health Plan? A catastrophic health plan is a type of insurance that covers medical expenses in the event of a serious illness or injury.

A catastrophic health plan is named as such because it carries the highest level of cost-sharing allowed by law.

Catastrophic health plans have certain unique features. One such feature is that not everyone qualifies for this type of plan.

Individuals who are under the age of 30 or over the age of 30 and have a hardship exemption or affordability exemption qualify for catastrophic health insurance plans.

Catastrophic health plans are available for individuals shopping on the Marketplace if they meet eligibility requirements. Additionally, insurers outside of the Marketplace offer catastrophic health plans as well.

Catastrophic health plans have low monthly premiums, but come with high deductibles. This means that individuals will need to pay for most medical services out-of-pocket before the plan covers any expenses. Once the deductible has been met, however, the plan pays 100% of covered costs without requiring additional co-payments or coinsurance from insureds.

Catastrophic health plans are a type of insurance coverage that provides protection against severe and unexpected medical emergencies. These types of plans typically have lower premiums but higher deductibles, meaning that they may not cover routine or preventative care costs. Catastrophic health plans can be an affordable option for individuals who do not require frequent medical attention but want to ensure they are protected in the event of a serious illness or injury.

 

Catastrophic health plans cover the same essential health benefits as other Marketplace listed plans, including preventative services at no cost. Additionally, insureds can visit their doctor three times before meeting their deductible.

Some people may benefit from catastrophic health insurance plans, but they can be more expensive in the long run for others. Individuals who qualify for a premium tax credit may find better coverage with bronze or silver plans. As with any type of insurance, it’s important to compare policies and their coverages as well as out-of-pocket expenses before making a decision.

Obamacare vs Private Insurance: A Comparison

Obamacare vs. Private Insurance: A Comparison

The Affordable Care Act (ACA), commonly known as Obamacare, has caused a significant increase in the cost of individual health insurance plans across most states. According to data on health insurance premiums, the ACA’s mandates and regulations have contributed to this rise in expense for consumers.

Are you looking for health insurance outside of the open enrollment period? Consider a non-Obamacare plan that may offer the coverage you require.

The Affordable Care Act, also known as Obamacare, has been causing an increase in health insurance costs. However, not having coverage is not a viable option. So what can you do to potentially save money while still maintaining good coverage?

There’s been a growing trend of individuals opting for non-Obamacare plans, also known as Term Medical insurance. With so much confusion surrounding this type of coverage, we wanted to provide some clarity on the matter.

Let’s start by explaining what these plans entail. Some of the features include:

* Enjoy greater savings with PPO plans that feature lower deductibles and out-of-pocket expenses.
* Up to one year available
* More access to doctors, office visits, hospital stays and surgeries.
* Enjoy comprehensive medical coverage with a lifetime maximum of up to $2 million.

“Begin your journey with a quote today at Healthcare Solutions Team USA”   www.HealthcareSolutionsTeamUSA.com/

Are any of the following statements true for you?

*The cost of your Obamacare plan is too expensive, and the deductible is excessive.
*Your Obamacare plan is not accepted by any of your doctors or hospitals.
*It seems that you were not able to obtain health insurance coverage through the Affordable Care Act (ACA) due to the high     costs associated with it during the open enrollment period.

If you answered yes to any of these questions, it’s simple to compare health insurance rates for a non-Obamacare plan at www.HealthcareSolutionsTeamUSA.com. You can begin saving money in just a few minutes.