Tag: Health

Nutrition, health, and fitness coaches provide an invaluable service to their clients. Clients who have a coach are much more likely to improve their health on a permanent basis due to the amount of support and motivation they receive from their coach. There is a huge demand for health coaches, and more nutrition and fitness coaches have entered the job market.

As a new health or fitness coach, a popular service is to take clients to the grocery or health food store to demonstrate how to shop for healthy foods, make wise food choice decisions, read a label, and determine the difference between a good choice and choices which don’t support a healthy body. A successful and helpful tour requires a few elements.

1. Variety: The health food store tour should cover all the sections of the store, produce, meat, fish, bulk, dairy, condiments, snacks, cereals, sweeteners, flours, bread, cookies, etc.

2. Advice: The client should be advised how to make their own determination between a healthy and not so healthy choice. Illustrate how to read a label and what to look for when making decisions.

3. Choices: Be sure to show the client which healthy foods you and your other clients have found to be both healthy and delicious as alternatives to foods they may be currently eating. Give them tips for transitioning to a healthy diet.

4. Reference: A grocery store tour can be an overwhelming amount of information for a client to digest in one hour. Be sure to have a reference guide to give to clients to refer back to at a later date.

The health food store tour is one of the most enjoyable and effective tools a health coach can utilize to support a client in transitioning to a healthier lifestyle.

Source by Cheryl Heppard

Let’s start with the basic terminology with health medical plans (health insurance).  There are three basic coverages to a plan, the deductible and coinsurance (coins) and the frequently used copay.  I will explain them below.

Deductible: This is what you pay out of your pocket before the insurance company pays any claims. Deductibles are on an annual basis and reset every January first. This is similar to your car or homeowners insurance policy.

Coinsurance: Once you meet your annual deductible, the insurance company shares some expenses with you until you reach your annual maximum out of pocket. Plans are written as 80/20 plans or 90/10 plans, they always add up to 100%. This is not unlimited there is a stop loss for you.

 

Co-pay: A co-pay is the amount you pay for a visit to the doctor (HMO or PPO plans) or a pharmacy prescription plan. The copay has nothing to do with the annual deductible and not all plans have co-pays.

 

What should a family look for when buying health insurance?

 

If you see the doctor a lot or your children frequently need a doctor’s care you may want a Health Maintenance Organization (HMO) plan. An HMO is a type of plan that has a network of doctors and facilities that you must go to for health care. Your health insurance company will have a list of doctors for you to choose from and the doctor you choose is the doctor you must go to when you feel sick.  You the patient is responsible for when you visit a health care facility with a co-pay, this is good for an individual or family with children that need to see the doctor many times in a year.

 

If you’re a person who does not go to the doctor a lot except for a checkup, you may want a PPO plan. These insurance plans have a network of providers that you can go to receive health care at a discounted or negotiated rate. Although there is a network of doctors who agree to the negotiated rate not all do and these are considered out of network. A PPO health plan allows you to go to out of network doctors but you will be responsible for the higher non-negotiated cost of health care.

 

The greater the insurance coverage, the higher the premium that you need to pay for individual and family health insurance.

Buying Health Insurance Online

The internet is a powerful way to shop for insurance. Most health insurance quotes from websites will let you run comparisons of all types of plans from all the top health insurance carriers. You can search and purchase insurance online without the need to talk to an agent. The prices for insurance plans are state mandated and no one website can give you a better quote than another.  Buying direct from the insurance company won’t save you money either, everybody has the same price.  Working with an agent gets you free advice and helps you sort out plans that are best for you.  So shop online, there is no obligation to buy and you can complete applications right online.

Source by Ronald Filian

Square one. Stop thinking about diet, diets, dieting, on a diet, fad diet, latest diet, celebrity diet, diet pills, diet plans, diet programs… ad nauseum… literally!

A diet is simply what you eat! Your diet can consist of chocolate donuts or alfalfa sprouts, but most “Diets”, with a capital “D” will not set you free. Instead, they lock you in a cage. Eat anything other than what they prescribe, and you are a failure… at least, so reads their literature.

Of course, what we eat and when we eat it can play a big part in weight loss or weight gain. Even where we eat can be a factor. Ever eat too much at Grandma’s on Thanksgiving? I have. How about that cocktail party when you went wandering over to the snack trays, and drank one more drink because someone offered it to you? Okay, for me it would be sitting at the bar ordering one more beer (light, of course) because the game’s not over yet. Oh yeah, pass the chips.

FORGET THE WORD “DIET”

Let’s just eat healthy and live healthy, OK, Sister Mary Fides, healthily. I know. It’s an adverb.

HERE’S THE LOWDOWN ON WEIGHT LOSS.

If you take in more calories than you use, you gain weight. If you burn more calories than you take in, you lose weight. Proven scientific fact. No ifs, ands, or buts. Although we are all different and our bodies shuffle quantities of calories and file them a little bit differently from our neighbors’ bodies, we can all contribute to weight loss by taking in fewer calories or by burning more calories… or both.

You’ve already figured out that using both techniques simultaneously will be more effective than trying to accomplish successful weight loss with only one.

I’m going to assume that the reason you want to lose weight is to improve your quality of life. You are concerned about your health. Being over fat can contribute to major and minor health problems. Yes, you honestly believe it would be great to lose weight, but you don’t want to be miserable, and neither do the people around you.

By the way, I said over fat, rather than overweight, because healthy people can weigh more than what the charts and tables say they should weigh. Weight per se is not the problem. It’s the fat that cripples and kills people, so I was just making a point. According to the charts, when he was in the best physical condition of his life, Arnold Schwarzenegger was “overweight”, but I doubt he was “overfat”.

WELL, YOU CAN CUT CALORIES BY DIETING. RIGHT?

First, if not at the beginning, then somewhere in the diet, you will begin to feel deprived, depressed, and desirous of dessert. (Neat trick with the d’s, eh?) You might even feel like you’re being punished. Can’t eat the things you like. Can only eat asparagus, or bean sprouts, or three from this column and two from that column; except on the third Tuesday when the moon is full. Is it any wonder you and any other living human might quit a diet simply because of this nonsense?

THE REAL REASON DIETS DON’T WORK.

As if discomfort and stress were not enough, there are actually a couple of hidden reasons why diets don’t work. I’m not even going to go into the effects of stress and cortisol on your weight. That’s a book by itself, and is too large a topic to go into here.

IN FACT, DIETING CAN MAKE YOU GAIN WEIGHT.

Most diets are structured on one principle, cut calories taken in. Most of us burn calories at a given rate based on our age, physical makeup, activity, and heredity. The rate at which we burn calories is called the “metabolic rate”. Our metabolic rate is unique to each of us, and is simply the measure of how fast we burn, or metabolize, calories. As we grow older, the metabolic rate slows down and eating the same number of calories as last year will cause us to gain weight. As we age, we also tend to become less active, and our body gradually changes its metabolic rate based on our …

You can improve your cardiovascular fitness with the help of many exercises. Following are the few exercises that will keep your heart healthy and fit. Have a look at them:

1. Circuit Training

The health of your heart is improved with movements. Sitting still is dangerous for your heart so keep that in mind and add circuit training to your everyday routine. Circuit training involves high intensity exercise for short periods. It pumps the blood a lot harder than usual and it increases the elasticity of the arterial wall of the heart and improves your heart muscles.

2. Walking

When you talk about heart health, you should never forget the basics. The basic thing to keep the heart healthy is a regular walk. Choose a time during the day when you can just walk for half an hour or so. The best time for a walk is in the morning. Walking can prevent lots of heart problems and other medical issues that can lead to heart disease. For example, high blood pressure, blood clots, and obesity.

3. Swimming

Your heart and lungs will love swimming. Swimming is a great activity for your heart as it improves the circulation of blood and makes it pump better and faster. If you want better results, try to swim in a lane. So learn all those amazing swimming techniques and try a new technique every day.

4. Weight Training

Another great exercise for the heart is weight training. It is the best exercise for people suffering from cardiac disease. It’s not just amazing for the heart but your bones as well. For weight training, you can purchase a set of dumbbells with a rack. Adding strength training to your routine will do wonders for you. You can set the weights accordingly to your body’s strength conditioning and add more weight as your muscles get stronger.

5. Running

You may have heard that running is the best thing you can do to stay in shape and to maintain a healthy body but what you may not know is that running is an excellent activity for the heart as well. Cardio activities like running improves heart and blood circulation. It doesn’t matter how busy you are or how hectic you day was, make the time for running.

6. Squats

Squats are something very easy to do and you don’t need any equipment. You can do squats anywhere and whenever. Squats help your body increase its core strength and flexibility. They are great for cardiovascular muscles as well. It will increase the blood flow to your heart, especially oxygenated blood, making your heart better every day.

7. Push-Ups

There are a lot of people who believe that push-ups are beneficial only for the muscles and to build upper body strength, but that is not all the benefits of doing push-ups. Push-ups are equally beneficial for our cardiovascular health. Doing push-ups regularly can increase the supply of blood to the heart and control your cholesterol level, decreasing the chances of heart disease. You can start with ten to twelve push-ups a day and increase it over time.

8. Yoga

Last, but not least, yoga is another wonderful activity for your heart health. It improves your circulation, not to mention your muscular flexibility and mental well-being. You don’t have to be a yoga expert, just start with a few simple poses and then gradually add additional poses increasing the difficulty over time.

Source by Bob Tom

While the term 'NEBOSH' may sound like a very effective wrestling move, it in reality stands for the well regarded National Examination Board in Occupational Safety and Health. NEBOSH health and safety has been giving students around Britain certificates along with diplomas in matters of health, safety and environmental issues since the year 1979.

NEBOSH health and safety courses are taken by people around the globe – in 65 nations to be precise. While Nebosh do not do the teaching itself, it does accredit each given organization with the authority to provide the teaching. The Qualifications and Curriculum Authority of England oversee this public body.

Occupational health is a big area and may take in various aspects of the work place. Both the (WHO) World Health Organization as well as the ILO (International Labor Organization) have recognized occupational health as important since 1950.

The term occupational health has been revised twelve times, but the version as it stands places an emphasis on the importance of a safe working environment for staff. It maintains that no activity or aspect of life at work should be negative to the worker. Further to this it states that industrial activities should not negatively affect people outside the place of work – for example, from hazards or pollution caused by working practices / environment. Nebosh health and safety courses help make sure these concepts are widely upheld.

There are 3 guiding principles which support the such an ethos – supported by NEBOSH Health and Safety as well. The initial one is moral – the idea that a worker shouldn't feel under any or be in any danger while they are doing their job. The next one is economic; the financial costs to the country would be much increased if the workplace is a perilous place – namely costs of social security from those injured from a dangerous workplace.

The third of the three is legal. This aspect has no doubt become a more noted reason for better health and safety over the years and decades-an idea that NEBOSH health and Safety also takes into account. Failure to ensure that workers have an safe and adequate working environment can end in legal procedures. Things like fire safety, an absence of physical perils such as heavy things falling on staff or workers, risks of heavy lifting, enough heating (or cooling if needed), good seating; these are just a few of the various aspects to this big area – all of which get covered by NEBOSH health and safety courses.

These courses are given by various independent teaching organizations around Britain as well as the world. It is a good idea to research the institution in question before putting cash down for such a course – maybe finding the feedback of previous students. Some NEBOSH Health and Safety courses are more cost effective than others, but arguably those may have less of a standing in the education and training situation and so high quality should be a loftier aim, instead of price.

Source by Gino Hitshopi

It's a well-known fact that smoking causes an adverse effect on your health. You must have seen the warning message on all cigarette boxes – 'Smoking is injurious to health'. Smoking tobacco is a root cause of 30% of all cancer deaths and causes 16 times higher risk of heart attack.

There are almost 120 million smokers in India. As per World Health Organization, India accommodates around 12% of the world's smoking population. The number of men smoking tobacco has increased from 78 million in year 1998 to 108 million in the year 2015. Tobacco consumption is accountable for the death of 6 million people each year. Direct tobacco consumption accounts for over 5 million deaths and 0.6 million deaths are due to exposure to second-hand smoke. Considering serious public health risks, the Government has banned smoking in public places from 2nd October, 2008.

Not only your health, it also causes you to pay higher premiums for a health insurance policy, due to increased health risks and shorter life expectancy. A nonsmoker however, gets premium discounts as a reward to lead a healthy lifestyle. Being a smoker, it is advisable not to hide your smoking habit from your health insurance company, as it helps you to cover the smoking-related health issues.

There is a wide curiosity among people, how smoking impacts the health insurance and its cost. Let's educate yourself about smoking and its impact on health insurance policy.

Smoking – What It Includes

Smoking includes inhalation of of the smoke of burning tobacco in the form of cigarettes, cigars and beedi. Whether you are an occasional smoker or frequent smoker, you will be considered as a smoker under the health insurance policy.

Smokers can buy health insurance, however an insurance company may charge extra premium or reject your application for insurance, depending on the number of cigarettes you smoke on a regular basis. A smoker may also have to go through additional health check-ups that can help an insurance company to ascertain the risk factor and then charge the premium amount accordingly.

How Smoking Affects Your Health and Insurance Premium

Smoking makes the serious impact on your health, some of them are detailed below.

Circulatory System: Smoking results in increased risk in the heartache and blood pressure. Building up of fatty acids could resulting to atherosclerosis.

Immune System: Smoking results in severe and long lasting illnesses. Smokers are more prone to develop ulcers, cancer, pneumonia, high blood pressure, bronchitis, and other viral / bacterial / fungal infections.

Respiratory System: Smoking may damage lung functions and breathlessness. It may cause damage to the air sacs of the lungs, increased chance of developing chronic bronchitis.

Oral Health: Smoking can lead to tooth loss, tooth staining, gum disease which may increase the risk of tooth decay.

Cancer: Smoking for a long time also causes cancer to various body organs.

When it comes to a health insurance policy , an insurance company considers the magnitude of illnesses and deaths caused due to smoking and that's why, smokers need to pay higher premiums to avail health insurance cover. Typically, the insurance companies charge around 15 to 20 percent higher from a smoker policyholder. Those who smoke would need to undergo additional medical checks, before the insurer issues you the policy.

Let's understand the difference of premium between a smoker and non-smoker individual.

Ritesh (non-smoker) at 30 years of age buys an individual health plan with Rs 5 Lacs coverage, for 1 year policy term, the chargeable annual premium amount is Rs 4,656. However, Raj (smoker) is buying an individual health plan, he is charged with an annual premium amount of Rs 7,552. An increase in premium amount is only due to the fact that Ansh lies in the smoker category of premium. We can see Raj is paying Rs 2896 extra on account of smoking.

Smoker with Existing Health Problems

If you are a frequent smoker that has caused the symptoms of the declining health condition and getting puzzled whether you can get a health insurance. The answer is yes, the only thing required is to make honest and proper disclosures.

The insurance company will then assess the risk associated with your profile and …

Have you been searching for the right supplement to give you a much needed boost? Do you want to incorporate essential vitamins and minerals into your daily supplement, but aren't sure which one to take? Wish you could get all the benefits of nutritional supplements, and only have to take one pill?

There are tons of dietary supplements on the market. Each supplement can assist with a particular system in the body or serves a specific purpose. There are very few supplements that can benefit your whole body.

Some health enthusiasts end up taking dozens of supplements daily to keep up with their body's nutritional needs. This can be overwhelming for some and unrealistic for most.

There is one supplement on the market that can surely fill the gap and help a broad spectrum of body systems and conditions. It can help kill bacteria and strengthen the immune system, as well a slower blood sugar, repair tissue damage and treat all sorts of ailments like digestive disorders. It can even help hydrate your body, both inside and out.

So what is this miracle supplement? Aloe Vera. Aloe Vera is a timeless remedy that has been used for thousands of years, and is now available in capsule form.

Aloe Vera is an all-in-one supplement that can offer dozens of health benefits with just one pill. It has a very unique composition that enables it to assist almost all of the body's systems and parts, from digestion to muscle flexing.

Aloe Vera capsules can help treat a number of skin disorders. Acne, eczema and psoriasis can all be treated with these potent capsules, as well as age spots, hyperpigmentation, stretch marks and even wrinkles.

Aloe Vera capsules can also improve your overall health. They are known to boost the immune system, containing approximately 200 nutrients including vitamins B-12, calcium, copper, iron, zinc, magesium, phosphorus, potassium. It also contains nine out of ten of the essential amino acids, as well as alanine, asartc acid, cystine, glutamic acid, glyine, hydroxy-proline, proline, serine and tyrosine. These nutrients strengthen the body and can prevent infections before they have the chance to take form.

In the event that an infection does form, the mucopolysaccharides found in aloe can trigger the body's natural defense system and kill dozens of harmful bacteria.

The capsules are especially potent when it comes to stomach disorders. Aloe Vera's long sugar chain molecule, mucopolysaccharides, plays a key role in normalizing the damaging processes that cause poor digestion and can act as a potent anti-inflammatory agent, stopping the damage and leakage of the intestinal wall. IBS, indigestion, heartburn, and constipation can greatly be alleviated with natural aloe capsules.

Aloe extracts can also help with the reduction of blood sugar and can help cure both type I and II diabetes. It has also been proven to treat various forms of arthritis as a result of its anti-inflammatory properties.

Additionally, the musopolysaccharides can function within cell walls (unlike other vitamins and minerals that can only function outside the cell) and can therefore serve as an antioxidant combating free radicals. Aloe Vera therefore plays a crucial role in preventing and treating arteriosclerosis, heart disease and Parkinson's disease.

It is no wonder why aloe vera has been called the 'miracle plant' for centuries. With just one pill you can benefit a variety of body functions and treat dozens of conditions. I urge you to visit http://www.NaturesFactoryProducts.com and purchase the most potent and effective aloe vera capsules … today!

Source by Shira Mar

Many people want to believe that poorly designed “gimmick” machines are the way to get fast effective results in terms of health and fitness. Further all over the world fad diets are all the craze with more and more people spending amazing amounts of money on these quick fix solutions. “Gimmick” machines more than not prove to be both expensive and completely ineffective. Fad diets on the other hand seem to give people short term relief from their health and fitness burdens but are not sustainable in the long term. For an exercise and dietary regime to be effective it needs to focus on developing a long term lifestyle change. Therefore your exercise and nutritional programs should be conducive with your work, your budget and most importantly your goals.

To make your exercise and nutritional plans effective they must be specifically designed to how you want to live your life now and in the foreseeable future. You must ask yourself the following five questions:

1. How many times can I train per week?

2. How much time do I have to train during my training sessions?

3. What specifically do I want to achieve out of my training sessions?

4. Am I willing to make gradual changes to my diet over time so I can speed up the effectiveness of my training sessions?

5. How much do I want to spend on my fitness and nutritional needs knowing that I will be changing my life forever and some expenses will be recurring?

These questions should guide you away from the thought of spending an initial large sum of money to get perceived fast results. Further the answers to these questions should provide you with information from which you can develop a plan to achieve your goals. Fast and effective results are possible with correct guidance and with the aid of professionals you will be able to maintain these results for the rest of your life. When budgeting for your lifestyle change, keep in mind that knowledge is often the most inexpensive yet effective tool in changing and maintaining your body. Simple exercises performed properly with minimal equipment often lead to the best results. In terms of nutrition, a restructuring of your existing diet, will prove most effective in ensuring you can maintain a nutritional plan in the long term.

It is no secret that a healthy and balanced nutritional plan accompanied by a tailored exercise plan is the key to any health and fitness goal. So next time you think about that quick solution think about how long you want your results to last. In terms of health and fitness it would appear that sustainability is better than spontaneity.

Source by Richard J Holt

In this article we will explore the reasons that motivate employers to get group health insurance for employees and we will look at the advantages and disadvantages from both points of view.

Group Health Insurance VS Individual Private Health Insurance

Probably the most significant distinguishing characteristic of group insurance is the substitution of group underwriting for individual underwriting. In group cases, no individual evidence of insurability is usually required, and benefit levels can be substantial, with few, if any, important limitations.

Group underwriting normally is not concerned with the health or other insurability aspects of any particular individual. Instead, it aims to obtain a group of individual lives or, what is even more important, an aggregation of such groups of lives that will yield a predictable rate of mortality or morbidity. If a sufficient number of groups of lives is obtained, and if these groups are reasonably homogeneous in nature, then the mortality or morbidity rate will be predictable. The point is that the group becomes the unit of underwriting, and insurance principles may be applied to it just as in the case of the individual. To assure that the groups obtained will be reasonably homogeneous, the underwriting process in group insurance aims to control adverse selection by individuals within a group.

In underwriting group insurance, then, certain important features should be present that either are inherent in the nature of the group itself or may be applied in a positive way to avoid serious adverse selection such as:

Insurance Incidental to the Group: The insurance should be incidental to the group; that is, the members of the group should have come together for some purpose other than to obtain insurance. For example, the group insurance furnished to the employees of a given employer must not be the feature that motivates the formation and existence of the group.

Flow of Persons through the Group: There should be a steady flow of persons through the group; that is, there must be an influx of new young lives into the group and an out flow from the group of the older and impaired lives. With groups of actively working employees, it may be assumed that they are in average health.

Automatic Determination of Benefits: Group insurance underwriting commonly requires an automatic basis for determining the amount of benefits on individual lives, which is beyond the control of the employer or employees. If the amount of benefits taken were completely optional, it would be possible to select against the insurer because those in poor health would tend to insure heavily and the healthy ones might tend to elect minimum coverage.

As the group mechanism has evolved, however, insurers have responded to demands from the marketplace, particularly large employers, for more flexibility in the selection of benefits. This flexibility typically is expressed in optional amounts of life and health insurance in excess of basic coverage provided by the employer and in more health care financing choices. Also, increasingly popular cafeteria plans allow participating employees to select among an array of benefits using a predetermined allowance of employer funds. Individuals select, subject to certain basic coverage’s being required, a combination of benefits that best meet his or her individual needs.

Minimum Participation by the Group: Another underwriting control is the requirement that substantially all eligible persons in a given group be covered by insurance. In plans in which the employee pays a portion of the premium (contributory), generally at least 75 percent of the eligible employees must join the plan if coverage is to be effective. In the case of noncontributory plans, 100 percent participation is required. By covering a large proportion of a given group, the insurance company gains a safeguard against an undue proportion of substandard lives. In cases in which employees refuse the insurance for religious or other reasons that do not involve any elements of selection, this rule is relaxed.

Third Party Sharing of Cost: A portion of the cost of a group plan ideally should be borne by the employer or some third party, such as a labor union or trade association. The noncontributory employer-pay-all plan is simple, and it gives the employer full control over the plan. It provides …

Whether you are just starting a home healthcare agency or have been in business for years, there are several features to keep in mind when evaluating home healthcare software. Below are the top ten features to look for in a HHC software:

1. Intake Management. Look for software that is able to quickly admit and process new patients as well as keep a running history of past patient episodes.

2. Billing. It is not necessary to hire a billing consultant when you choose a home healthcare software with a built-in billing module. Make sure the software supports Medicare, Medicaid, Wellcare and private payers.

3. Scheduling. Most software packages include scheduling but not all of them automatically schedule caretakers according to their availability. Your chosen software should automatically account for travel time, vacation days and sick leave.

4. Customized Payroll System. Look for a software package that offers a customized payroll system so you can easily change pay rates, payroll methods (i.e. pay per visit, per hour or per unit), location rates and third party providers.

5. Point of Care. Some software vendors offer this POC feature and others don’t. It is a very useful feature that allows your caregivers to enter visit notes via a web-browser and send them to your office. The Point of Care feature should work on all portable devices and communicate with the main software.

6. POC 485 Forms. The software needs to be able to print your 485 forms on a standard printer.

7. OASIS Management. Corrections and inactivations should be supported in this module, as well as OASIS validation and electronic submitting capabilities.

8. Outlier Management. With this tool you can proactively manage and control the impact of outlier cases. Most outlier modules offer a PPS calculator.

9. Reports. When you are evaluating the reporting feature on your prospective software, ask how many reports are available. Also find out if the reports, especially those for your patients, are translated in different languages.

10. Narrative Builder. This feature is not offered in most software packages but is extremely convenient. The reason is that instead of having to type standard answers, you can choose answers from a library. Look for a builder with a search function and one that allows you to create your own answers.

In addition to the features above, you are going to want a user-friendly Admissions module that allows you to easily process the in-take and discharge of patients.

When you are evaluating the technology behind the software, make sure it does not require a digital certificate, modem or VPN to submit claims to Medicare. Also, choose a software that is web-based.

Ask the software company if they provide free training and technical support. Also ask how much installation fees are. Lastly, ask for a demonstration so you can see all of the features in action.

Source by Luciano Lapaz

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