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On Line Health Insurance Quote – Finding Affordable Coverage is Just a Click Away

Searching for an on line health insurance quote can be a tough job. Finding the right medical coverage is not always an easy task and in most cases it usually takes a long time before you settle on one. This is because you need to get coverage that is within your budget. It also has to be suitable for the medical needs that you have. An on line health insurance quote is the best option in this case.

The cost of treatment is very high nowadays and most people cannot afford to make the payments out of their pockets. There are various companies that offer medical insurance and the internet is a great resource because it allows you to look at a variety of rates. The advantage is that you will only spend a few minutes on the computer as opposed to using several hours to contact all the companies in person.

When you are using the internet to look for an on line health insurance quote, the results are provided instantly and this saves you a lot of time. One of the mistakes that most people make when they are trying to find a suitable medical cover is calling several companies thinking that this will get them the best rates. Speaking to an agent in person cannot guarantee you the best rates. It is better to look at estimates from various companies and determine what works best for you.

While you are looking through an on line health insurance quote, the companies can either require you to make monthly or annual premium payments. If you want a cheaper option, you can settle for the estimates that allow you to make a single payment for your medical cover. This option has more advantages compared to making payments on an annual or monthly basis. It is better to compare the estimates because they are all different. You have to make sure that your medical needs are taken into consideration when you are making your choice. A cheap one will not do you any good if it cannot cater for your medical conditions.

Another advantage you get from an on line health insurance quote is that you do not have to pay for it. This allows you to compare rates from several companies. You are not obliged to take an estimate that you search for, which is an advantage because if you were using an agent, you might settle for a coverage because you were pressured.

Once you have selected some estimates, research the companies that provide the medical coverage. This will give you the chance to read reviews from customers that have used their services and is the best way to determine if you are going to work with them or not. Choose a company that has good customer reviews if you want to get a suitable medical coverage.

Mobile Phone Health Management in the Developing World

A cell phone is more of a luxury than a necessity, right? Unless you’re a teenage girl, who would probably rather give up food than texting, many of us consider owning a cell phone a wonderful convenience. So in the developing world, where millions have trouble accessing ample food, clean water and basic health care, providing mobile phones would be a wasteful extravagance, right?

Maybe not. Among the myriad of new services and applications available through cellular technology are a number of mobile phone health management applications that can provide medical support where little is found. Mobile connections can be used by health care professionals out in the field. Even when working far away from a clinic or hospital, they can call for support, advice from specialists, or report outbreaks of diseases.

As mobile phones have become cheaper, their potential in poor countries has expanded. Phones are a lot more prevalent than doctors or hospital beds! An inexpensive mobile device can be used as a handy reminder: when it’s time to take medications or undergo HIV testing or get vaccinations. More sophisticated applications may even ease the burden on overstressed healthcare systems.

For example, medical hotlines have been set up in some areas where people don’t have access to doctors. They can use their cell phones to call in for advice, even if they don’t have the use of a fixed line. Medical phone surveys help health professionals pinpoint areas where diseases may be breaking out.

Perhaps in time, systems now used in the developed world will make their way to places with limited health care. A number of devices and applications can be used to supply biofeedback. This personal feedback can be utilized to monitor treatment of chronic diseases. For example, mobile diabetes management can evaluate food intake, measure blood sugar levels and recommend insulin amounts based upon a patient’s stored personal information along with sensors in a device attached to a phone. Patients who need to monitor epilepsy, asthma, or cardiac care can also do so through mobile phone health management.

These systems, already available and beneficial here, could be life-saving in an area with little access to doctors. Not such a luxury item after all.

Learn How to Use a Health Savings Account to Become CEO of Your Own Health and Health Care

At his inauguration, Obama declared that “What is required of us now is a new era of responsibility.” That was about three weeks before signing a bill to spend a massive $800 billion in tax-payer money (plus interest that accumulates) that the government currently does not have. Interesting, if this is supposed to serve as an example…

It is imperative in the country that we all begin to believe in the importance of personal responsibility. People who have Health Savings Accounts are taking responsibility for some of their own medical expenses. They are taking responsibility for putting aside money to cover future medical expenses. They take responsibility for choosing medical services that offer the best price, convenience, and value. It may sound corny, but the whole nation really owes Health Savings Account owners a debt of gratitude for what you do to better society.

Take Personal Responsibility for Your Health

At the National Consumer Driven Healthcare Summit which focused on Health Savings Accounts, Elizabeth Bewley gave a fascinating talk titled “Consumers Need to Become CEOs of Their Own Health and Health Care”. She explained how our modern healthcare system is set up to benefit interests other than you. For instance, she spoke of a condition called ICU Psychosis, which affects many patients after spending time in intensive care. This problem manifests as a form of delirium or psychotic episodes, and is caused by the typical conditions in ICU – bright lights, noise, sleep deprivation, confusion about night and day, etc.

The first step in being your own healthcare CEO using your Health Savings Account is to take care of your health. Simply staying out of the hospital could save your life. The Institute of Medicine reports that medical errors cause about 100,000 deaths annually, making this the third leading cause of death. Hospital-contracted infections kill another 100,000 a year. Adverse drug events kill an additional 125,000. Thus, approximately 17% of total deaths in the U.S. may be attributable to medical care.

Up to one half of prescribed drugs do not work for patients as intended, and physicians rarely explain possible adverse side effects or how long the patient should take the drug. Bottom line, the system is not individual-centric, but rather built for the needs of the providers. By using a Health Savings Account to take more control, consumers need to ask more questions; create a personal health record; and realize that they, not the doctor, are in charge of their own health.

Healthy Eating

A new study was just published in the European Journal of Clinical Nutrition, titled Metabolic and physiologic improvements from consuming a Paleolithic, hunter-gatherer type diet. Humans evolved over millions of years as hunter-gatherers, and only very recently did humans begin eating grains, dairy, vegetable oil, sugar, and other modern foods. (10,000 years may seem like a lot of time, but it is nothing as far as evolution is concerned).

This was only the 4th human study to be done on the Paleolithic-type diet, and like the others it found dramatic results. Those who ate this way had lower blood pressure, better glucose tolerance, less insulin, greater insulin sensitivity, and better lipid profiles. People lose weight, their digestion works well, their joints stop hurting, they have greater mental energy, and their risk of cardiovascular disease and autoimmune disease plummet. Diet is the single most important factor in your health, and you really are what you eat.

If the current economy is affecting you, and you’re looking for ways to cut expenses, get a Health Savings Account to become CEO of your own health care. If you’re in good health, you can always check to see if there is a less expensive HSA insurance plan that you can switch to. Always explore all your options and find the best HSA Plan that will work with your Health Savings Account.