1. Find Reliable Sources Of Information

Whether you’re looking for TRICARE vs. TriWest Insurance or looking for the best offers, you should only use trusted sources so that you have accurate information. You could speak with the human resources representative at your place of employment or consider looking at your options through Healthcare.gov.

2. Estimate Your Needs

Are you going to need prescription coverage? It can be difficult to know what you’re going to need before you invest in a plan. Consider your best guess and go for the options that you believe are going to cover as many of your needs as possible. You want a plan that covers physical exams and screenings and any necessary medical needs if you plan on starting a family and covering catastrophic injuries.

3. Be Familiar With The Terminology

If you know what the specific terms mean, then you’re going to better understand what each company is offering. Words like “deductible,” “reimbursement account,” and “co-payment” aren’t used in everyday conversation, so you might want to look at Healthcare.gov’s comprehensive list of terms.

4. Consider Where You Get Your Care

Some health insurance plans restrict where you can go to receive treatment. You may be limited to a specific hospital, a clinic, or certain health professionals. Consider where you want to get your care first, and then look for an insurance provider that includes your preferred choices.

5. Focus On Quality

 You should consider more than just the costs of the plan that you’re investing in. You want to ensure that you’re getting high-quality service and that you have the full spectrum of healthcare options available to you. You want to know that the medical professionals actually care about your well-being.

6. Look For Added Benefits

Some health insurance plans may be able to offer virtual care, nurse advice, or free health assessments. Any service that makes it easier for you to access healthcare is worth it.

7. Ask Those You Know

If you’re still stumped on finding a health insurance provider, ask your friends and family who they go with. If they have a good experience with a certain provider, they’re going to let you know. They’ll also warn you about other companies they may have had a bad experience with so that you know to avoid them in the future.

Speak with your human resources or health insurance representative so that they can provide you with a comprehensive list of the options that are out there. You’ll have a better start finding a health insurance plan that provides you with all the access and coverage that you need.

The post 7 Tips on Selecting the Best Health Insurance Provider first appeared on You Must Get Healthy.

The post 7 Tips on Selecting the Best Health Insurance Provider appeared first on You Must Get Healthy.

Today, I have compiled a list of the top 10 countries with the best healthcare in 2023. Let us get this useful knowledge, and see what we can learn from these countries.

First off, there are many ways or criteria used to rate the level of health care in a particular country. They may include the life expectancy, mortality rate, heart disease & cancer survival rate, and successful birth rate.

Others may take into account the healthcare facilities, equipment, healthcare professionals, or preventive care.

They are actually so many criteria used, but I don’t want to bore you with the details in all of them, I did the research for you. The most widely accepted method is the Health Care Index.

The Health Care Index is an estimation of the overall quality of the health care system, health care professionals equipment, staff, doctors, cost, and access to preventive care.

It is given on a scale of 0-100. This is basically what I used when compiling this list, but I also took into consideration, other factors like life expectancy, mortality rate, etc. So here it goes.

10. Finland – 77.11

The healthcare system in Finland is a publicly funded system that provides comprehensive medical services to all citizens.

The Finnish government is responsible for financing the healthcare system through taxes, and medical services are provided by both public and private healthcare providers.

The Finnish National Health Service (NHS) manages the public healthcare system and is responsible for overseeing the provision of medical services and ensuring that they are of high quality and accessible to everyone.

One of the achievements of Finland’s healthcare system is its high-quality medical care. The country has a well-educated and highly trained medical workforce, and its healthcare facilities are well equipped with modern medical technology.

In Finland, all citizens have the right to access medical services, regardless of their income or social status. This is ensured through a comprehensive network of healthcare services, which includes primary care, specialist care, and hospitals.

The Finnish government also provides financial support to those who are unable to afford medical services, and there are programs in place to help ensure that everyone has access to the care they need.

9. Netherlands – 77.16

The Netherland’s healthcare system is one of the most effective in the world.

The healthcare system in the Netherlands is a mix of public and private systems. Citizens are required by law to have basic health insurance which covers a range of services, including hospital treatment and GP visits.

This insurance is mostly funded by the government but citizens pay a premium based on their income. There is also a choice between different insurance providers which allows for competition and drives the quality of services offered.

The healthcare system in the Netherlands is known for its high quality and patient-centered approach

8. Austria – 77.20

Austria’s healthcare system provides publicly funded care, and to their citizens, they can also purchase supplementary private health insurance.

The health insurance system is funded through taxation from both employees and employers. Everyone with employment in Austria is required to pay into a public health insurance scheme.

As of 2015, the cost of healthcare in Austria was 11.2% of GDP – the fifth highest in Europe. Furthermore, tourists and visitors in the country have access to free healthcare services. They also have a high life expectancy rate and low mortality rate.

7. Thailand – 77.90

Thailand’s healthcare system is divided into three major components: the government health services, non-profit healthcare organizations (NGOs), and the private medical sector.

Thailand has a universal health care system ( In 2001, Thailand introduced the Universal Coverage Scheme, UCS) that provide health services to civil servants, private employees, and other citizens.

There is at least one major hospital in each province in Thailand and many in popular tourist destinations. Thailand also has a fair amount of English-speaking healthcare professionals.

6. Spain – 77.95

Spain has a health care index of 76.34, and that makes them one of the countries with the best healthcare system.

Like Denmark, Spain also spends 10 percent of its GDP on healthcare and impressively has a rate of four doctors per 1,000 citizens. Spanish healthcare consists of both private and public healthcare, which gives both primary and secondary healthcare to its citizens.

Spanish women have a life expectancy rate of 85.5, second only to Japan in the world. Furthermore, up to 98.7 percent of Spaniards are insured for Spanish healthcare.

5. Denmark  – 79.20

Healthcare in Denmark is said to be one of the most effective in the world. The Danish healthcare system is largely provided by the local governments of the five regions, which are regulated by the central government.

Also, primary healthcare facilities like nursing homes, home care, and school health services are the coordinated by the 98 municipalities.

They also have effect medical emergency units and a fast ambulatory service. In Denmark there is a ratio of 1,000 people to 3.4 doctors and 2.5 hospital beds. 

Another reason why Denmark has one if the best healthcare systems in the world is because of their extensive use of health care technology.

Almost all primary care physicians in Denmark have electronic medical records with full clinical functionality. The country also has an extensive vaccination coverage, and a life expectancy of 80.6 years in 2015.

4. France – 79.40

France was said to have “close to best overall health care” by WHO and they are right. In 2015, France’s healthcare expenditure amounted to 11.5% of GDP per capita.

That figure is higher than most European countries. The French government body is called ANAES, short for, Agence Nationale d’Accréditation et d’Evaluation en Santé (The National Agency for Accreditation and Health Care Evaluation).

They have very strict rules and guidelines for regulating healthcare in the country. Healthcare in France is a universal health care system mainly financed by the government’s national health insurance.

The French government also refunds patients 70% of most health care costs, and 100% sometimes, in cases of expensive treatment or long-term ailments. The country’s life expectancy is 82.8.

3. Japan – 80.30

Healthcare in Japan is of excellent quality. The healthcare system in Japan provides healthcare services to its citizens and covers 30% of the cost.

In Japan, all citizens are obligated to have health insurance coverage. They have one of the highest life expectancies in the world, very low infant mortality rates, and high illness recovery rates.

2. South Korea – 83.00

South Korea is the second-beat country with the best healthcare in 2022.

South Korea has a universal healthcare system that is said to be the most efficient healthcare system on earth. The Healthcare system in South Korea is controlled by the Ministry of Health and Welfare.

The system is funded by a compulsory National Health Insurance Scheme that covers 97% of the population.

The number of hospital beds per 1000 population is 10. They have one of the highest life expectancy rates on earth and are the second country with the lowest obese people.

From 2006-2011, South Korea had the highest Colorectal hand Cervical cancer survival rate, with 72.8% and 76.8% respectively.

Indeed the healthcare system in South Korea is very efficient and effective.

1. Taiwan – 85.90

There is no doubt that Taiwan has the best health care in the world.  Many people might not know this because Taiwan is not a member of the World Health Organization (WHO). In spite of this, the healthcare system in Taiwan stands out as one the most brilliant and effective in the world.

The current healthcare system in Taiwan is known as National Health Insurance. It is a mandatory social insurance plan which centralizes the spending of healthcare funds equally to every citizen. By 2004, this insurance coverage had reached over 99% of Taiwanese citizens.

The National health insurance in Taiwan is financed squarely through premiums, from the payroll tax, and is supplemented with out-of-pocket payments and direct funding by the government.

Or put it this way, the national health insurance program, works in a way in which everyone pays a share on a monthly basis to cover those who are sick. Additionally, only the smartest students in Taiwan are qualified to work as doctors.

The Health Insurance policy in Taiwan has been praised by many. Even Nobel Prize Laureate in Economics, Paul Krugman, in an article, cited Taiwan’s

National Health Insurance, as a useful reference for health insurance policymakers in the United States and all over the world. It is also noteworthy that Taiwan’s 14 major hospitals rank among the top 200 hospitals in the world.

Also, Taiwan tops the entire world with the highest five-year survival rate for liver transplants, surpassing even the United States, Japan, and South Korea.

I know I have a lot of readers from the United States of America, so it would great, and fair to also write where they rank in the world. The United States are ranked 35 in the list of countries with the best healthcare in the world in 2023, with a healthcare index of 69.03.

The post Top 10 Countries With The Best Healthcare In 2023 first appeared on You Must Get Healthy.

The post Top 10 Countries With The Best Healthcare In 2023 appeared first on You Must Get Healthy.

The thought of money and inability to pay your creditors will stress you more than you can imagine. You will feel sad, depressed, anxious, melancholic, irritated, experiencing outbursts of anger. If you do not pay your debts on time, the outstanding balance will keep increasing.

The rates of interest will grow with late fee charges. You cannot escape unless you pay off your creditors. To be candid, you’re enmeshed in the web of debt. There is no possibility of avoiding the situation. In fact, there are many other adverse ways debt can affect your health.

According to an article published on Huffington Post, debt is a silent killer and so is the stress resulting out of it. Statistics show that Americans have approximately $16,000 credit card debt per individual and chronic stress is killing them.

The things need to change for the better, implying people drowned in debt must opt for consolidated loans to pay off their numerous debts for once and for all.

There is no other solution to the problem if you do not have sufficient funds to pay off the debts. Then, you can get rid of debt stress. Here are some of the best tips to dig out of your debt-related stress.

Best Ways to Get Rid of Debt-related Stress and Stay Healthy

1. Change your attitude

The way you think affects what you do in life. If you always play the victim of debt, then you will find ways to miss payments instead of arranging for funds to repay your creditors.

When you have loans in the market, you need to face the challenge instead of feeling depressed doing nothing about your financial situation.

Change your attitude and realize that you have taken the loan and you should take the responsibility to repay the same. Do not think negative, playing the victim card. Think of the solutions instead.

Think that the money you borrowed helped you in your bad times. Now, it is your turn to repay the loan. The change in your mindset will help you repay your loans and move ahead in life

2. Feel good about your finances

When you feel powerful about something, it brings strength in you and makes you feel empowered more than ever. There is no doubt about the same. It is essential when it comes to debt and financial condition.

Finally, when taking stock of your finances, you get the power to change your current situation and improve your lifestyle. It means you start finding ways to take action and pay off your loans.

These actions could be as simple as adjusting your W4 form using this 2022 W4 calculator, or something a little more complex, such as applying for a consolidation loan to lump all of your debt into one monthly payment.

Financial empowerment results in financial confidence, leading to a successful, healthy life ahead free of debt. Take the plunge and try making an effort. You will benefit and nobody else.

3. Learn how much funds you have

When you’re in debt, ignorance is not bliss. It leads to a more stressful situation. You are depressed and sad, having poor physical and mental health.

Then, you do not think or realize how much cash you owe to your creditors and how much funds you have that you can use to repay your debts. Once you realize this, you will not feel stressed. Many times, knowledge means power. When you know your debts and earnings, it gives you the mental strength to evaluate your current financial situation. You need to start paying off your debts instead of sitting doing nothing.

Therefore, take some time out of your work, take a paper and pen, and calculate how much you owe in every debt. Make the calculations, and that will be your starting point.

You cannot live in debt all your life. Once you start paying off your creditors, your debt pile will start reducing until you are free of debts. Use the savings to repay your loans in addition to the monthly payments you make.

Reputed lenders will not charge you if you pay more in addition to the minimum amount you shell out each month. You can also think about making more money by learning CFD trading. You can learn about that on CFD Konto.

4. Stay updated

You may not know much about loans and interests when you were in school. Now that you are in a job with family and kids, you can find many resources online to teach you about the ins-and-outs of personal finance and ways to improve the same. It is a subject that you should never cease learning. It is a continuous process. Monitoring your earnings, expenses, debts, and budgeting is essential to manage your loans well.

You will benefit with regard to financial solvency and improved health, therefore no debt-related stress. Making savings each month and planning for your retirement days will keep you financially stable even when you have debts.

You can study books, online journals, podcasts, articles, and blogs to learn more about debt management and personal finance. Staying updated is the key to your happiness and health. There is no doubt about the same.

5. Create a plan to repay

Now that you know how much you need to pay to your creditors, the stress is over. You know about your financial situation. Then, is the loan amount worrying you? You are feeling stressed again.

Then, sometimes, the thought that you need to make a payment on the due date will keep you inspired to repay your creditors quickly. It is a blessing in disguise. There is no doubt about the same.

You may feel perturbed when you learn that you have $35,000 debts to pay to a creditor. Then, the shock is temporary. You will feel better that you have some savings in your bank for these years, which you can use to make additional payments. It will help you make a plan and pay accordingly to your creditors.

Conclusion:

Now that you have these tips handy start paying off your debts. You will become financially stable once again. Stay healthy and stress-free with no loan to pay off to your creditors.

The post 5 Best Ways to Get Rid of Debt-related Stress and Stay Healthy first appeared on You Must Get Healthy.

The post 5 Best Ways to Get Rid of Debt-related Stress and Stay Healthy appeared first on You Must Get Healthy.

It is crucial we first know what happens when we breathe. The process of breathing in is called inhalation while breathing out is called exhalation. When you breathe through your nose or mouth, the air travels from your windpipe or trachea to your bronchial tubes and then through smaller air passages called bronchioles before ending up in alveoli which are little tiny sacs where oxygen goes into the blood and then distributed throughout the body cells.

In the same vein, when you exhale, the alveoli absorb the carbon dioxide released by your cross, and they pass from your body using the same pathway right to your nose.

Carbon dioxide isn’t as harmful as we think; it is essential in regulating blood ph. Breathing too fast can lead to surplus oxygen and low carbon dioxide in your body. This often happens during hyperventilation and may lead to the development of a medical condition called respiratory alkalosis, which occurs when the blood pH is pushed beyond the normal range due to excessive respiration, leading to reduced carbon dioxide in arterial levels.

Low carbon dioxide levels in the body can cause spasms, dizziness, irritability, and nausea as your cells can’t exchange it for the surplus oxygens in your blood cells. On this note, it is medically beneficial that you practice holding of breath (breath training) because it gives your cell more time to let in oxygen and increases the needed amount of carbon dioxide to regulate respiration.

Benefits of Holding Your Breath

Besides regulating the number of oxygens and carbon dioxide in your body cells, the following are the health benefits of holding your breath. 

1. Improves longevity

The practice of holding breath has been linked to longevity. When you hold your breath, it improves your lung functions, which helps preserve the health of stem cells. One research suggested that longevity rates increased when study participants could increase their ability to hold their breath after an exhalation.

2. Enhances brain tissue regeneration

Holding your breath improves brain tissue regeneration, as studies have pointed out as one of the benefits of practicing breathing techniques. 

3. Produces an anti-inflammatory effect 

Research has found that the practice of holding your breath can stimulate the sympathetic nervous system and the immune system to induce the production of anti-inflammatory mediators. It helps to treat health conditions associated with pain and chronic inflammation. Another study showed that holding your breath increase the body’s resistance to bacterial infections.

4. Increases lung capacity

The practice of holding your breath as a part of a breathing exercise is viewed as the most effective way to enhance your lung capacity. This, in turn, contributes immensely to your physical performance. This is mainly practiced by performing artists, surfers, swimmers, runners, and wind instrument musicians.

5. Reduce stress and anxiety

Holding your breath is one of the ways to manage your stress and induce your body to relax. It also helps to deal with anxiety and panic attacks. Breathing exercises can help people with chronic anxiety to manage the symptoms.

Breath Training Exercises Can Improve Your Health

Now that you have learn the health benefits of holding breath, you need to also learn the best ways to implement it. You should not just randomly hold your breath for as long as you can, because it can be dangerous. Here is a simple exercise that involves holding your breath.

1. Inhale slowly through your nostrils.
2. Hold your breath for ten seconds.
3. Pout your lips
4. Breathe out as slowly as possible through your pouted lips. This should take at least twice as long as it did to breathe in.
5. Repeat it a few times.

The post 5 Breathtaking Health Benefits of Holding Your Breath first appeared on You Must Get Healthy.

The post 5 Breathtaking Health Benefits of Holding Your Breath appeared first on You Must Get Healthy.

You see, having health insurance is necessary for every individual who wants to live healthily. Unfortunately, so many people don’t know about health insurance or have little knowledge on the topic. If that is your case, then I will advise you to read my article on the beginner’s guide to understanding health insurance. There I comprehensively explained the meaning, types, and common terminologies in health insurance. So you should read it so that you can understand this article better.

Reasons To Get Health Insurance

Many people have heard different reasons for getting health insurance. Well, this are some of the main reasons why you should get health insurance.

1. Unforeseen medical emergencies

In life, many unforeseen circumstances and occurrences happen. Sometimes, these unforeseen occurrences could be health-related, probably leading to a medical emergency. In fact, the rate of medical emergencies has increased a lot in the past few years. When that happens, many people are usually stranded and confused. However, having health insurance coverage can help you in such dire situations. Unforeseen medical emergencies are one of the main reasons why you need to get health insurance now.

2. Affordable medical costs

Contrary to popular belief, having health insurance means that you get affordable medical treatment. Someone might reason that he might save a few dollars on health insurance and instead pay for each visit to the doctor themselves and save more money, but is that really true?

Well, this is a financial mistake that most people are making. First, insured medical fees are generally lower than when you personally pay for them, they can even be up to 10 to 40 percent lower.

Secondly, you can get lower medical expenses when the insurance companies are negotiating for you.

Nonetheless, it’s essential that you read the reviews about any insurance company you want to opt for. For example, this review of Americo Life Insurance gives you a comprehensive guide to their offer.

3. Guarantees you better financial safety

Having health insurance means you have good financial planning, especially when you are still young. Rather than spending excessively when a sudden medical issue arises, you can easily use your health insurance company to cover the costs. It will be foolhardy to wait till a health problem arises, and cause you financial issues. Better financial security will be guaranteed with premium health insurance coverage.

It is imperative to opt for a reputable health insurance company that gives you better financial safety and group benefits. You can visit Taylor Benefits Insurance group portal and check out their impressive insurance services.

4. Get adequate preventive care

Many healthcare systems in the world, governments or health insurance companies offer preventive care in their services. Preventive care health services usually include:

• Blood pressure screening
• Cholesterol screening
• HIV testing
• Colorectal cancer screening
• Vaccines for hepatitis, herpes,
• influenza, tetanus, measles and
• mumps
• Depression screening
• Alcohol misuse screening and
• counseling

Interestingly, most preventive health services are free because the federal government makes it mandatory.

These preventive health services will help you learn about health risks on time and ensure that you receive proper treatment before your health deteriorates. Preventive care can also help you learn how to change an unhealthy lifestyle to a healthy one, so as to avoid health issues in the future. As you can see, the benefits of preventive care are manifold, but if you don’t have a health insurance plan, you can’t benefit in any way.

5. Better health management

Health insurance will guarantee you better health management, in case you have a medical problem. Here is why, many people who do not have health insurance, usually realize that the costs of drugs and treatment are very expensive. Consequently, they begin to buy cheaper medication, avoid testing or surgery, which often leads to poor health management. Uninsured patients are less likely to receive the best health management. These might be worse if there is a serious health issue or cause a minor health challenge to turn into a much more dangerous one.

6. Better mental health

Yes! Health insurance will grant you peace of mind and better mental well-being. The stress of dealing with a medical issue can be overwhelming, especially if it is a loved one. That’s why you need good health insurance coverage for yourself and your family. It will prevent you from worrying and overthinking about the medical bills.

Conclusively, you need to get health insurance now, especially when you are young. It will not be wise to wait till you’re 50 and start having lifestyle illnesses, like cancer before acquiring one. Remember, a healthy will ensure that his health and wellbeing are well cared for, and having health insurance guarantees you that.

The post 6 Compelling Reasons To Get Health Insurance first appeared on You Must Get Healthy.

The post 6 Compelling Reasons To Get Health Insurance appeared first on You Must Get Healthy.

Setting achievable fitness goals and keeping them could be a very difficult task for you. But when you focus on the rewards of being committed to your goals, you will definitely stick to it. However, the truth is that it is not as easy as it seems.

Today, you’ll find out how to set fitness goals and keep to them. But before that, why is keeping to fitness goals a challenge.

Reasons why achieving your fitness goals is a challenge

1. Procrastination – Procrastination is a major goal killer, and it usually gets worse as you keep procrastinating.

2. Loss of enthusiasm – Losing the will to work out could cause you to lose focus on achieving your fitness goals.

3. Poor results – When we don’t see immediate results, we could get distracted and lose focus.

How to set and achieve fitness goals

Here are 10 steps that’ll aid you to properly plan your fitness goals and keep to them. 

1. Achieve it mentally:

If you imagine yourself doing something that you find difficult, it becomes easier. Think of yourself exercising and working out. It starts by mentally succeeding.

How To Set Fitness Goals And Keep To Them

2. Write down your fitness goals:

The next step is to write down your fitness goals. This is where you write down what you want to achieve. Do you want to lose weight? Get ripped abs? Get a toned body? Or generally, want to stay fit regularly? Pen it down. Write down why you want to do it, and what you will gain when you finally achieve it. Keep it safe and read it once in a while.

3. Make your goals S.M.A.R.T:

Just like any other goal, a fitness goal needs to be S.M.A.R.T.

After writing your goal, you should make sure it is measurable, achievable, and reasonable. It should also have a time frame for which it will be achieved.

4. Plan and research:

It’s important to do research regarding the fitness goals and exercises that will best suit your plans.

5. Break down your goals:

Breakdown your goals and achieve them little by little. Start by doing the simplest tasks and then gradually progressing to bigger ones. This will help you to avoid procrastination and keep you focused.

6. Create a backup plan:

It is essential that you have a backup plan so that you can easily maneuver any obstacle. For example, an issue or an event could come up that might cause you to miss a workout. A good back up plan for that would be exercising another time of that day.

Having a backup plan keeps you flexible.

7. Work with a fitness partner: 

fitness partner will help you stick to your plans by providing you with friendly competition. This can help maintain your enthusiasm towards getting fit and achieving your goal.

8. Be consistent as possible:

When you regularly stick to your plan and exercise on a consecutive basis, you are sure going to achieve your goal. But if you miss a single workout, you will end up missing subsequent ones and hence allow procrastination to overwhelm you.

9. Keep a fitness diary:

Note down the progress you’ve made and the problems you have encountered. Additionally, include what you are dieting, so you can find out what is working for you. This allows you to adjust your workout accordingly, and you can focus on problem areas.

10. Get up from setbacks immediately:

When you work towards any goal, there are bound to be setbacks and failures. Make sure you get up, keep going, and work harder. There will be times when you will feel that you are not making progress. That’s why you need to keep motivating yourself.

In truth, keeping setting fitness goals and strictly keeping to them is never easy. But remember this, critical planning will help you set goals, the commitment will help you keep to them, and hard work will you achieve them.

The post How To Set Fitness Goals And Keep To Them first appeared on You Must Get Healthy.

The post How To Set Fitness Goals And Keep To Them appeared first on You Must Get Healthy.

Medicare Deadlines

The Initial Enrollment Period

If you are already receiving Social Security benefits, you will automatically have access to Medicare Part A and Part B. For everyone else, and there is an initial enrollment period. This is a seven-month window that starts three months before your 65th birthday. Missing this deadline could see your benefits delayed as you will have to wait until the next enrollment period, and could cause you to face late enrollment penalties.

The best time to apply is before your birthday, as coverage will start as soon as you turn 65. If you are eligible for Original Medicare, you can immediately apply for a Medicare Advantage plan (Part C). Offered from private, Medicare-approved insurers, this type of plan gives you additional coverage for services such as dental and hearing, as well as drug prescriptions (Part D). You can submit a Medicare application in-person or online or enroll over the phone.

The Annual Election Period

You can make changes to your Medicare plan from October 15th to December 7th each year. These changes won’t take effect until January 1st of the next year and will be locked in place throughout the duration of the year.

If you missed your initial deadline for Medicare, you could enroll at this time. During the annual election period, you can add a new plan or modify an existing one.

The Special Enrollment Periods

There are some circumstances where you can qualify for a special enrollment period. For example, if you have moved states, relocated to a nursing home, retired, or your eligibility has changed, you may be able to modify your Medicare plan. Discuss your needs with your health insurance provider to find out whether you meet the requirements.

The Medicare Advantage Enrollment Period

For anyone with an existing Medicare Advantage (Part C) plan, there is one other important deadline to remember. If you ever need to stop your coverage or switch plans, this can be done between January 1st and March 31st. Once your request has been received, these changes will be implemented from the first of the following month.

Getting Your Health Insurance Right

Health insurance is essential. Original Medicare has a number of benefits, but you will likely need a range of other extras.

A Medicare Advantage plan will support your existing Medicare coverage while streamlining your insurance with one simple bill. Look for a plan that includes hearing services, dentistry, eye care, and drug prescriptions. According to the Kaiser Family Foundation, 89% of adults ages 65 and older take prescription drugs, so even if you don’t need them now, you likely will in the future.

Remember, if you miss the deadline, you may have to wait another year, so it makes sense to get it right from the start!

The post 4 Medicare Deadlines You Need to Know first appeared on You Must Get Healthy.

The post 4 Medicare Deadlines You Need to Know appeared first on You Must Get Healthy.

In the US, ensuring good health requires that you have quality health coverage. This helps in reducing medical care, hence making healthcare affordable for the masses.

According to Statista, over 67.3 percent of US citizens have private health insurance, and the cumulative health insurance premium amounts to over 185.5 billion dollars.

In 2020, the importance of health coverage has increased even more. Considering the recent pandemic outbreak in the form of COVID-19, having sound coverage can ensure that you receive timely medical care if the need arises.

Merely having health coverage is not enough. You must strive to get the best health insurance coverage possible. As per Value Penguin, there are over 900 health insurance companies in the US. Selecting the best one can get tricky.

Don’t worry. We are here to help you pick the right one! Here are the top companies operating in the US that offer quality health coverage.

Top Companies in the US offering Health Coverage

1. USHealth Group

Health insurance provided by USHealth Group has satisfied over 15 million people so far. The company has been operating in the US for more than 50 decades and is known for offering innovative packages that are tailored to customer needs. This is in stark comparison to some of the other companies that offer standard insurance for all.

Differentiating features of all of its health coverage packages include uninterrupted service, portable coverage, wellness benefits, and applicability to any doctor and hospital within the country. The company has received the Gold Stevie Award for three consecutive years, starting from 2017.

If you are in need of quality coverage, you can peruse their nine packages and select one which seems best for you. You can then customize it further as per your needs.

  2. UnitedHealth

UnitedHealth is both health as well as a well-being company with expertise in clinical, data, and health information and advanced technology. Apart from serving clients within the US, the insurance company also runs its operation in over 130 other countries.

It makes use of two platforms to deliver their services. Firstly, UnitedHealthcare helps in offering healthcare coverage, while Optum delivers technology-enabled health services.

UnitedHealthcare doesn’t just help individuals and employers. Instead, it uses its network to help healthcare providers and brokers to best serve their customers as well as employees.

3. Anthem, Inc

Anthem, Inc. is quite popular in the US for all the right reasons. The vision of the company is to improve the lives of the masses by simplifying the healthcare process. Anthem is affiliated with a wide variety of companies, through whom it serves more than 78 million people.

Out of these 78 million people, over 41 million are those directly making use of its health plans. Its affiliated services deliver PPOs, HMOs, and network-based dental products. By combining flexibility and innovation with cost-effectiveness, Anthem manages to deliver comprehensive plans tailored to specific customer needs.

4.  Cigna

The chances are you have already heard of Cigna. This medical insurance company is top-rated in the US. With over 17 million clients, this insurance company also delivers its health insurance and services to other companies in the world.

Headquartered in Bloomfield, Connecticut, Cigna offers corporate health insurance, dental, vision, behavioral health, Medicare retirement benefits, etc. as well. Within the US, the company delivers its insurance services in 11 states including Texas, South Carolina, Tennessee, Missouri, Georgia, Maryland, Florida, Arizona, Colorado, California, and North Carolina

5. HCSC

Health Care Service Corporation, or HCSC, is by far the largest customer-owned medical insurance company in the US. Currently, it successfully services over 16 million individuals. Its operations are concentrated on only five states, including Texas, New Mexico, Illinois, Oklahoma, and Montana.

HCSC delivers various types of insurance products, which include both health and life insurance. To ensure variety in options, the company operates through affiliates and subsidiaries.

Some of its notable partnerships include Dearborn Group and TriWest Healthcare Alliance, Availity, Medecision, and Dental Network of America.

6. WellCare

WellCare specializes mainly in government-sponsored managed care services. These services are generally limited to individuals, children, seniors, or families that have a complex medical need, which may be met through Medicaid or Medicare.

As of 2019, the company serves over 6.4 million people through its health plans.

Ending Remarks

Each of these six health insurance companies has managed to satisfy its members and deliver comprehensive health coverage plans. Whether or not they are suitable for you depends on your healthcare needs. However, rest assured that when it comes to reliability, none of these companies fall short. They are so many compelling reasons to get health insurance today.

Gauge your financial standing and healthcare needs and decide on a plan that offers you the best package of them all.

Do you think there are other health coverage options worth mentioning on this list? Let us know below.

AUTHOR’S BIO:

Alycia Gordan is a freelance writer who loves to read and write articles on healthcare technology, fitness and lifestyle. She is a tech junkie and divides her time between travel and writing. You can find her on Twitter: @meetalycia

The post Top Companies in the US offering Health Coverage first appeared on You Must Get Healthy.

The post Top Companies in the US offering Health Coverage appeared first on You Must Get Healthy.

Although you may not know, getting the right health insurance policy when it comes to the health and safety of your clients is very important.

If you’re a personal trainer thinking about how insurance for personal trainers works, this post is meant for you. Here you’ll find important questions to consider in your decision-making process.

1. What Type of Insurance Do Personal Trainers Need?

Insurance for personal trainers is designed to offer protection against accidents that happen during training, leading to property damage and bodily injury.

Accidents and injuries are far too common for personal trainers. For instance, a customer could trip over weights left unattended from a previous training session, fall off a treadmill due to loss of balance, or even lift a weight in which a pin has been improperly inserted, resulting in an injury. Personal trainer insurance will cover any costs if you’re held liable.

General Liability Insurance

This type of insurance protects you against any third-party claims due to property damage and bodily injury. If a customer is injured during a training session, you may be held responsible for medical bills and missed wages. A general liability policy will cover these costs.

Professional Liability Insurance

Also referred to as errors and omissions coverage, professional liability insurance protects your business against claims from clients who suffered harm following your professional advice. For instance, if you recommended a supplement, which causes severe side effects, which in turn leads to a claim, this insurance will come into play.

So, as a personal trainer, you should have these two policies. A comprehensive insurance policy should protect both the business owner and employees. Having the right coverage means you’re protected against any business-related lawsuits.

2. What Types of Occurrences Need Coverage?

When buying an insurance policy, it is important to understand what activities are included in your coverage.

For instance, if coaching and nutrition guidance are key components of your clients’ sessions, you need to select an insurance policy that includes all these aspects. If you are unsure whether a given policy is good for you, you can ask for a sample policy before you buy it.

3. Am I Covered Wherever I Train?

A general liability policy will actually cover you no matter where you train. Even if your business includes public park training, in-home training, or training clients at a different gym, you’ll be covered.

Even if you’re training clients at a facility that has a general liability policy, this policy is likely to cover employees and not personal trainers at the facility. You’ll need an individual policy that will cover you against defense costs or medical bills resulting from accidents and bodily injuries.

4. What’s the Ideal Coverage Duration?

In recent years, the standard annual policy was the only general liability coverage available for personal trainers. However, this policy is not enough for the needs of many personal trainers with varying client load as well as varying schedules.

Whatever your needs are, it is important to buy an insurance policy that is specifically tailored to your needs.

5. How Much Will I Pay for Personal Trainer Insurance

Sometimes there are many unexpected costs that emerge when opening a new business. However, you might be surprised at how affordable insurance for personal trainers is, especially after considering the kind of protection it will offer.

Key Questions a Personal Trainer Need to Ask New Clients

As a personal trainer, it is important to know your prospective clients well before deciding to train them. But many personal trainers don’t know the right questions to ask to help evaluate their potential clients better.

Here are some questions to ask your new clients before you schedule them for their first workout session.

Do You Have Any Medical Condition?

This is a critical question to ask upfront as there are some medical conditions that you might not be qualified to handle. For instance, a general personal training certification is different from certification for training people with heart disease, diabetes, or those who are morbidly obese.

What are Your Goals

It is also important to inquire about the short and long term goals of your client. Why are they hiring a personal trainer in the first place?

Through this, you’ll be able to determine whether you’re the best-qualified person to help them achieve their goals.

What Does Your Daily Nutrition Look Like?

Ask your new client about their daily nutrition habits. Also, get a list of food items they are allergic to. This will prevent you from recommending a nutritional supplement that may contain those allergens. By knowing more about their current food habits, you’ll understand where their nutrition is lacking and what you would recommend for them so they can achieve their goals.

The post 5 Questions to Consider When Choosing A Personal Trainer Insurance first appeared on You Must Get Healthy.

The post 5 Questions to Consider When Choosing A Personal Trainer Insurance appeared first on You Must Get Healthy.

Without the right health insurance policy, you will struggle to get the care you need. If you do receive medical care, you run the risk of the cost of this care bankrupting you. Rather than waiting until you are staring down the barrel of a real financial crisis, you need to be proactive. You can read the beginner’s guide to understanding health insurance.

Read below to find out more about the most common health insurance misconceptions and the truth behind them.

Disclosing Pre-Existing Conditions Isn’t Important

One of the biggest hurdles people have to get over when attempting to get the right health insurance policy is dealing with pre-existing conditions. Most people try to get health insurance for the cheapest price possible, but pre-existing conditions can thwart this effort. The biggest misconception most people have regarding their pre-existing conditions is that reporting them to the insurance company is not that important.

In reality, if your health insurance provider finds out you withheld this information from them, they can cancel your policy. This means you will be without health insurance, which is why disclosing this important information is so crucial. While a pre-existing condition may make the price of your health insurance coverage increase, you can avoid having the policy voided at a later date due to the withholding of information.

Being Healthy Means You Don’t Need Health Insurance

Thinking that health insurance is something you can get later in life will lead to lots of problems in the future. Even if you are healthy, you will still need occasional healthcare services to stay that way. Attempting to pay for things like doctor’s visits and medications out of pocket can be very expensive.

The healthier you are, the less you will ultimately pay for your health insurance coverage. Instead of waiting, now is the time to visit the HealthMarkets website to find out more about the policies at your disposal. Once you find information about health insurance here, choosing the right policy will be much easier. There are so many compelling reasons to get health insurance, which you should know of.

Choosing the Cheaper Health Insurance Policy is the Best Idea

Before going out to look at the various health insurance policies on the market, you will need to gather some important information. Creating a budget to figure out how much you can afford is a good idea. One of the biggest mistakes most people make when shopping for health insurance is immediately choosing the cheapest option they find.

In most cases, these cheaper policies will have extremely high deductibles. This means that major medical expenses may cost you a lot of money out of pocket. Instead of gravitating towards the cheapest policy, you need to read the details of each policy at your disposal.

Finding out about the deductibles, prescription plan and preventative care offered by a particular insurance policy is crucial. With this information, you can start to narrow down the selection of policies at your disposal. While finding the right insurance policy may be time-consuming, it is definitely worth the effort. The right health insurance policy will help you get the medical care you need without paying lots of money out of pocket.

Seek Out Professional Help

If you are having a hard time figuring out what type of health insurance policy is the best fit for your needs, allowing professionals to help you make this important decision is crucial. With their assistance, finding a comprehensive and affordable health insurance policy will be simple. 

The post Common Health Insurance Misconceptions and The Truth Behind Them first appeared on You Must Get Healthy.

The post Common Health Insurance Misconceptions and The Truth Behind Them appeared first on You Must Get Healthy.