Day: August 14, 2018

Good Health Leads To A Good You

A person’s health is of utmost importance to him or her. Health is basically defined as the complete and definitive mental, physical and social well-being of a human being. Being in good health simply means that the person is free from any disease and is in good shape. The World Health Organization has stated that a healthy person must fit perfectly in all three aspects that have been mentioned above; physical, mental and social. This trio is sometimes also called the health triangle. According to diagnosticians, there are a few critical and key factors that determine whether a person is healthy or in a same mind. A few of those key factors include, firstly a person’s biological health, the person’s development as a child, the social and external environment the person grew up in, education, income, literacy, lifestyle, social networks of the person, the culture the person lives in and personal health practices conducted by the person in the form of exercise, diet, yoga, training or any other physical activity undertaken to keep the person fit.

One can maintain health at a very personal level so as to escape from the many deadly diseases found. The first and most important thing that comes into consideration is a person’s personal hygiene. If one doesn’t keep oneself clean, by bathing on a regular basis, brushing teeth, washing hands, keeping the environment they live in clean and basically avoiding anything that could harm their body, they are bound to fall sick. Health is a very critical matter, since your health makes or breaks you. A healthy person has all the happiness in the world, but a sick person is dependent on others to provide him or her with basic care, which leads to mental instability as well.

Your health also depends greatly on the relationships that you have, meaning how strongly intact your social life is. If all your relationships are going well and you do not have social interactions issues i.e. mingling with others, having a group of people sharing similar interests, this shows that you are in good mental health. If a person shows deteriorating social relationships, this shows that the person is unstable and has self esteem issues, which can lead to development of mental illnesses such as depression, alienation and stress. Your biological health is directly related to your mental and social health, since stress has been known to cause a number of biological diseases.

Which Health Insurance Plan Is Best for Me?

Health insurance has proven itself of great help and financial aid in certain cases when events turn out unexpectedly. In times when you are ill and when your health is in grave jeopardy and when finances seem to be incapable to sustain for your care, health insurance is here to the rescue. A good health insurance plan will definitely make things better for you.

Basically, there are two types of health insurance plans. Your first option is the indemnity plans, which includes the fee-for-services and the second is the managed care plans. The differences between these two include the choice offered by the providers, the amount of bills the policy holder has to pay and the services covered by the policy. As you can always hear there is no ultimate or best plan for anyone.

As you can see, there are some plans which may be way better than the others. Some may be good for you and your family’s health and medical care needs. However, amidst the sweet health insurance plan terms presented, there are always certain drawbacks that you may come to consider. The key is, you will have to wisely weigh the benefits. Especially that not among these plans will pay for all the financial damages associated with your care.

The following are a brief description about the health insurance plans that might be fitting for you and your family’s case.

Indemnity Plans

Flexible Spending Plans – These are the types of health insurance plans that are sponsored when you are working for a company, or any employer. These are the care plans inclusive in your employee benefit package. Some of the specific types of benefits included in this plan are the multiple options pre-tax conversion plan, medical plans plus flexible spending accounts, tax conversion plan, and employer credit cafeteria plans. You can always ask your employer of the benefits included in your health care/insurance plans.

Indemnity Health Plans – This type of health insurance plan allows you to choose your own health care providers. You are given the freedom to go to any doctor, medical institution, or other health care providers for a set monthly premium. The insurance plan will reimburse you and your health care provider according to the services rendered. Depending on the health insurance plan policy, there are those that offers limit on individual expenses, and when that expense is reached, the health insurance will cover for the remaining expenses in full. Sometimes, indemnity health insurance plans impose restrictions on services covered and may require prior authorization for hospital care and other expensive services.

Basic and Essential Health Plans – It provides a limited health insurance benefit at a considerably low insurance cost. In opting for this kind of health insurance plan, it is necessary that one should read the policy description giving special focus on covered services. There are plans which may not cover on some basic treatments, certain medical services such as chemotherapy, maternity care or certain prescriptions. Also, rates vary considerably since unlike other plans, premiums consider age, gender, health status, occupation, geographic location, and community rated.

Health Savings Accounts – You own and control the money in your HSA. This is the recent alternative to the old fashioned health insurance plans. These are savings product designed to offer policy holders different way to pay for their health care. This type of insurance plan allows the individual to pay for the current health expenses and also save for untoward future qualified medical and retiree health costs on a tax-free basis. With this health care plan, you decide on how your money is spent. You make all the decisions without relying on any third party or a health insurer. You decide on which investment will help your money grow. However, if you sign up for an HSA, High Deductible Health Plans are required in adjunct to this type of insurance plan.

High Deductible Health Plans – Also called Catastrophic Health Insurance Coverage. It is an inexpensive health insurance plan which is enabled only after a high deductible is met of at least $1,000 for an individual expense and $2,000 for family-related medical expense.

Managed Care Options

Preferred Provider Organizations – This is charged in a fee-for-service basis. The involved health care providers are paid by the insurer on a negotiated fee and schedule. The cost of services are likely lower if the policy holder chooses an out-of-network provider ad generally required to pay the difference between what the provider charges and what the health insurance plan has to pay.

Point of Service – POS health insurance plans are one of the indemnity type options in which the primary health care providers usually make referrals to other providers within the plan. In the event the doctors make referrals which are out of the plan, that plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service charges may also be covered by the plan but the individual may be required to pay the coinsurance.

Health Maintenance Organizations – It offers access to a network of physicians, health care institutions, health care providers, and a variety of health care facilities. You have the freedom to choose for your personal primary care doctor from a list which may be provided by the HMO and this chosen doctor may coordinate with all the other aspects of your health care. You may speak with your chosen primary doctor for further referrals to a specialist. Generally, you are paying fewer out-of-pocket fees with this type of health insurance plan. However, there are certain instances that you may be often charged of the fees or co-payment for services such as doctor visits or prescriptions.

Government-Sponsored Health Insurance

Indian Health Services – This is part of the Department of Health and Human Services Program offering all American Indians the medical assistance at HIS facilities. Also, HIS helps in paying the cost of the health care services utilized at non-HIS facilities.

Medicaid – This is a federal or s state public assistance program created in the year 1965. These are available for the people who may have insufficient resources to pay for the health care services or for private insurance policies. Medicaid is available in all states. Eligibility levels and coverage benefits may vary though.

Medicare – This is a health care program for people aging 65 and older, with certain disabilities that pays part of the cost associated with hospitalization, surgery, home health care, doctor’s bills, and skilled nursing care.

Military Health Care – This type includes the TRICARE or the CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affair). The Department of Veterans Affair (VA) may also provide this service.

State Children’s Health Insurance Program – This is available to children whose low-income parents were not able to qualify for the Medicaid.
State-Specific Plans – This type of plan is available for low income uninsured individuals.

There are many different types of insurance plans that you may have the prerogative to know about. By learning which health care insurance fits your situation, you can avail of the many options that will likely be of great assistance to you in times when you will need it most. Insurance costs have typically become one of the common draw backs in choosing for an insurance quote. However, weighing the benefits will really matter. Make sure that you always read the benefits, terms and conditions before landing to whichever type of health insurance you choose.

What’s The Definition Of Physical Health and Does Good Health Naturally Mean All Natural Is Good?

Let’s begin with a good health definition in general. The WHO health definition (World Health Organization), albeit from 1948: “Health is a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity”. Assuming that’s true, what’s the definition of physical health and does good health naturally mean that “all natural” is good, especially as it applies to food?

What’s the definition of physical health?

Is there one?

Based on the WHO health definition as it applies to physical health, is it safe to say that simply because everything is working as it should in the absence of disease or infirmity (weakness or ailment), that we’re not necessarily in good physical health?

What do you think?

I personally believe there is more to being healthy in the moment. On the other hand, I also believe that because we are only guaranteed the present, if you’re healthy, don’t take it for granted. Enjoy it while you can.

I also believe the state of our physical health depends largely on our personal health plan. In other words, it depends on how well we take care of ourselves on a regular basis. That includes:

  • Eating habits
  • Exercise habits or lack thereof
  • Sleep habits
  • Spiritual habits
  • General living habits

Without seeming as though I am a pundit, expert or zealot about any of the aforementioned, that I am personally the definition of physical health, the definition of spiritual health, or anything that resembles the definition of good health, in a nutshell, what I’m saying is all the bullet points have a bearing on our physical health.

What do you think?

It’s about good health

One dictionary provides this definition of health:

“The general condition of the body or mind with reference to soundness and vigor: good health; poor health.”

The ancient Roman poet Virgil said, “The greatest wealth is health”.

I couldn’t agree more but I am a bit troubled by the amount of over-emphasis placed on physical health, as if it is mutually exclusive from the other aspects of health.

I believe health is about:

  • Physical
  • Mental
  • Emotional
  • Spiritual
  • Financial

The “soundness and vigor” in which we pursue and maintain these factors has a direct and indirect effect on each and every one of the factors.

Furthermore, I find it troubling that the word wealth is so overly associated with money and financial wealth.

It’s not to say that I don’t see the importance of physical health and financial wealth. They are both key components of overall health but they are not stand-alone concepts.

What are your thoughts?

All Natural

The “all natural” phenomenon, especially as it applies to food, is one of the biggest marketing ploys ever. If it’s not a scam, it’s a joke.

It means nothing!

There is a HUGE difference between organic and all natural. Don’t confuse the two and by all means don’t fall for the propaganda that leads you to believe they are one and the same. They’re not.

Organic, at least as it applies to food, is highly regulated. It actually means something. However, keep in mind that just because it’s organic doesn’t necessarily mean it’s healthy.

All natural can mean pretty much anything. As far as the food we eat is concerned, it is not regulated. It is a highly misleading tag.

Don’t be fooled.

I’m not saying don’t enjoy it. I’m not saying all natural is bad. I’m simply saying it’s about as superfluous term as there ever was. There is no depth to it.

My formula

For me, it all boils down to a few simple concepts and principles beginning with:

  • Honesty
  • Respect
  • Best Effort

These are indispensable. They cost nothing and should be applied at all times.

Next are the 5 F’s:

  • Food – Not just what we eat but includes anything we consume physically, mentally, emotionally, and spiritually. If we are what we eat, this says it all.
  • Fitness – Includes all the 5 bullet points mentioned above
  • Finances – Affected by the previous two and affects the previous and next two
  • Fulfillment – It’s about completion and includes all the bullet points mentioned
  • Fun – The importance of how it affects health and is affected by it is often overlooked

I have tagged the 5 F’s as the components of a bulletproof life.

To sum it up, all the above is important but the proper balance is the key. I believe too many of us are simply out of balance. Furthermore, there is not a one-size-fits-all balancing act.

Last but not least, from the late, great Redd Foxx:

“Health nuts are going to feel stupid someday, lying in hospitals dying of nothing.”

Agree? Disagree?

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Bob is a retirement planning and safe money professional who specializes in life insurance products and who has more than 20 years experience.

His company, A Bulletproof Life is the 5 F’s: Food, fitness, finances, fulfillment, fun. and is based on his motto: Honesty, respect, best effort

Plan Your Dream or Prepare for a Nightmare.

No one has EVER lost one cent doing business with A Bulletproof Life.