If you have a heart condition, you are probably already familiar with the world of cardiologists. These doctors specialize in finding and treating diseases of the heart. As you enter into the care of one of these highly trained doctors, take some time to get familiar with the tools of the trade, as your doctor will turn to many of these to help make you healthy again.Echocardiograph EquipmentAn echocardiograph is an image of the heart captured...more
Your flight to the Canary Island will be as smooth as an angel delight rather been as rough as a good whisk, which puts you in the perfect mood for enjoying summer holidays. Gran Canaria is the type of place where you want to do a 360§ with a camera then come home and have wall size print outs done so that you can have each room of your home a constant reminder of tropical and exotic scenery which blesses the island. Breath. That may be a...more
As a former health and life insurance agent I know insurance can be confusing. Quite frankly it is meant to be confusing. The less the consumer knows the easier it is to have them purchase whatever type of insurance is being presented. Insurance is, however, fairly easy to understand as long as you know a few key words. The first word you need to know is deductible. This is the amount played directly to the doctor or hospital before insurance covers anything. This money comes out of your pocket. The insurance company does not care how this portion of the bill is taken care of. Quite frankly, deductibles have no other effect other than how much your going to owe after you have been in an accident. Just know the lower the deductible the higher the monthly payment. Co-insurance is a term almost no one knows. All co-insurance is, is more money that comes out of your pocket. An agent will tell you you have a 80/20 or a 70/30 split. All this means is if you have a 10,000 hospital bill after your deductible, the insurance company will pay 80 percent ,and you will pay 20 percent. Whatever type of plan you get make sure there is a co-insurance maximum, you don't want to pay...more
Every life insurance policy is unique. When you take out a life insurance policy you take it out to fit your needs. Most people take out a life insurance policy to ensure their family members have enough money to bury them and take care of their financial burdens they incurred during life. Life insurance policies will pay out a death...more
It is important that every adult child who is at or above the age of 18 who takes classes at a technical school, college or university receives student health insurance. Some students maintain health insurance through their parent's family plan insurance policy. In this situation, an adult child is allowed to keep this plan until...more
Many business owners overlook the need for health insurance. They sometimes look at the cost of health insurance premiums and decide they would rather spend that money elsewhere in the business. What these business owners dont always consider is what would happen if they are not physically able to work and run the business. They overlook the importance of having health insurance in lieu of having cash available to spend on other projects such as marketing. Or perhaps they think they are in good health so extensive health insurance is unnecessary. Lets consider a few reasons why health insurance is important for business owners. Business Owners Are Often the Driving Force Behind a Business There are few businesses that can run themselves independently of their owners. Most business owners are an integral part of the day-to-day operations of a business. Consider for a moment if you as a business owner became ill and required extensive medical care. The cost of that illness is twofold. Not only will you have high medical bills to pay for, your business will also not have your input during that time. That could seriously impact the health of your business. Who will make decisions,...more
Whether you left your job voluntarily or got ejected out due to the economy, maintaining health insurance coverage for you and your family should be one of your top concerns. Even if you are flat broke, you cannot afford to go without health care...more
While our country is still facing one of the worst recessions that Americans have faced in years, the rate of uninsured individuals continues to rise. According to the Congressional Budget Office, there were over forty five million...more
Don't you love the heat? Warm sun on your back, hot sand on your legs and feet. Yes, we all love the beach. There is something very healing and relaxing about the sun. Our muscles feel great having lain in the sun for a bit. There is a way to have...more
I have once have had a massage. Have you? If not, have you ever contemplated it? If you have not had a massage, here's something you should know. They are many benefits that come with it. Do you think massage is some new fad? Not true. Massage is by...more
Any American these days knows the stress of working in the office - its the dread of Monday. Sure, it's great to have a job in this economy, but who needs the aches and pains that go with it. While its no 2 week vacation in some tropical place, some...more
The comfort and security of knowing you can see a doctor whenever the flu strikes or when you've broken your leg on the ski slopes is a privilege that many take for granted. Whether you have to select health insurance through your job...more