Guide to Individual Health Insurance

March 19, 2016 Category :Uncategorized Off

The new Covered California health insurance marketplace offers a wide range of affordable health plans for you to choose from. Whether you are self-employed, or looking for coverage over and above what your employer currently offers, there is a plan that will likely meet your needs. Federal regulations require that health plans operating under the Affordable Care Act (ACA) meet certain access requirements. In California, those requirements include timely access to healthcare providers, as well as geographic access standards.

Here is a general guide to individual health insurance that you can refer to when choosing a plan. And do not forget these important dates regarding open enrollment for 2016.

Provider Networks

When selecting a health insurance plan, it is important to verify the plan’s provider network of doctors, hospitals, nurse practitioners, therapists, and other health care providers. It is equally important to understand what is not covered as well. Understanding your plan’s provider network helps you save money, receive better care, avoid unexpected fees and costs, and be happier with the care you receive.

Out-of-Network Care

You are not restricted to health care providers in your network, but should you decide to use one outside of your network, health insurance will cover less resulting in a higher out-of-pocket cost for you, except in the case of emergencies.

Provider No Longer in Network

If your health care provider leaves your network, you will generally need to find a new doctor inside the network, and most plans will assist you in doing so. As a rule, a health plan’s continuity of care policy allows a patient to continue care with a doctor no longer in the network for a certain period of time at the lower cost-sharing rate.

Cost-Sharing Requirements

Each plan has different cost-sharing requirements. Typically, your overall share of costs is a combination of the premiums you pay plus any other co-payments, co-insurance or deductibles for which you are financially responsible.

How to Find a Doctor

In most cases, the plan you choose will have a list of doctors who accept your insurance. The Medical Board of California offers some great tips on choosing a doctor:

Ask friends, family or co-workers about physicians they like.
Ask your county medical society or association for names of physicians in your area.
Once you have some names, call and ask if the doctor is accepting new patients and whether they accept your insurance plan.
Check with the Medical Board to verify the physician has a current California license.
Meet with the physician and consider having a physical done to determine if this is the doctor for you and your family.

Go Trampolining and Get a Lot of Health Benefits

March 19, 2016 Category :Uncategorized Off

Do you want to stay fit even without putting in great efforts? More so, do you want to mix fitness and fun together so that your daily exercises turn out to be a pleasant experience? If yes, you should then plan an outing to a park where trampolines are available.

Yes, trampolining is a fun way to stay fit. It’s simple and hassle-free and above all, it’s more beneficial than running or jogging. The best part is, people of any age can benefit from trampolining.

With trampoline, you smile and laugh and go on enriching the body with loads of health benefits. Jumping or rebounding on a trampoline is something that makes you enjoy it a lot.

Besides, trampolining brings holistic health as it impacts both physical and mental aspects. Many researches, including one from NASA, have proved why rebound exercise is effective and why they should be done on a regular basis.

Trampoline exercise brings many health benefits including:

Lower stress

Trampoline exercise helps one fight stress and depression-related issues with ease. It keeps the nervous system stabilized and this stabilization helps in release of serotonin. This substance is known to cut down stress and let one live a healthy life.

Strength to bones

Trampoline exercise gives strength and vigour to bones. It helps in the improvement of mineral content in the bone which stops bone diseases. More so, it not only strengthens the bone but also protects from impacts.

Immunity system

Jumping on trampoline boosts the immune system and keeps diseases away. It helps in improved circulation of lymph in the body, which keeps toxins out. With no toxins, less diseases strike the body.

Protection to joints

Trampoline is a low impact exercise and it does not affect joints in the same way as other high-impact activities do. Its being of spongy in nature also makes it a low-impact exercise. And with that, it protects the joints and strengthens the muscles.

Mental Health

Trampoline exercise keeps one happy and smiling. It never allows boredom to find a way in. Besides, trampolining is known to release some mood-enhancing substance to keep one happy for longer. And happiness is related to mental health.

Pain relief

Trampoline exercise is known to bring pain relief in a number of body parts. It makes one energetic and keeps fatigues away for longer. More so, it brings a great relief from pain in a lot of body parts including neck, back, head etc.

Weight loss

With trampolining, one burns more calories for a 30-minute exercise than running or jogging. It keeps digestive disturbances away and also boosts metabolism. It cuts down prospects of obesity.

Cardio-vascular

Trampolining boosts the pumping of oxygen in the body. This brings more energy and keeps one free from heart problems.