Tag: Keys

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The internet has made it easier to compare different health insurance policies and shortlist health insurance plans. With the right health insurance policy, one can make substantial savings if a family member gets sick. Although there is no golden rule to choose the right individual plan, yet, some common tips help in the decision making process. Five keys to choosing the right individual insurance plan have been listed below:

• Determine your need and your affordability: Even before you start your online search for insurance plans, one needs to be sure about the details of the plan. You need to make sure that the benefits offered by the plan covers what you need for yourself and your family. However, the perfect plan will also come at a considerable cost. As an informed customer, you need to do a proper cost benefit analysis to make sure your trade-off between price and benefit is in the appropriate proportion. If we take into account, frequent trips to the doctors, medications and dental coverage – such scenarios eliminate unsuitable plans and makes the comparison process much easier.

• Don’t overbuy: The scenario is similar to buying a luxury car where the monthly EMI equals your home loan payment. There is no point in purchasing a health insurance policy with benefits which are unlikely to be used at a high and unviable cost. For relatively young and healthy individuals, a policy with a high deductible is more suitable. Deductibles are the amount paid by insurers before certain benefits kick in. A plan with a decent deductible will cost considerably less per month and could save money in the long run.

• Walk through several plans: It is always advisable to go through several plans. In the process, benefits associated with different health insurance plans can be reviewed and analyzed for better decision making. At first glance, some plans may look appealing. Later, the same plan turns out to be a costly affair due to cost sharing arrangement. The burden of medical cost in the future will be a big headache. Hence, going through and analyzing several plans is the best way forward.

• Co-insurance and co-payments: Several health insurance plans require the holder to contribute to the coverage payments. The contribution is called co-insurance and is the portion the customer has to pay after deductible. A co-pay is a flat fee one has to pay while paying a visit to a doctor or specialist. While choosing a personal health insurance policy, consumers should look into co-insurance and co-payments factors.

• Reputation matters: After identifying the price and need of the plan, reputation of the company should also be in the reckoning. Ideally, a company with a long haul in the market should be trusted and relied upon. There are many ways to assess the standing of insurance companies and their health insurance policies.

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Source by Amar N Tyagi

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First of all, I want to say that I’m not a mental health professional. I was a high school social studies teacher and in education for 34 years, and I do have Mental Health First Aid certification, but still, these suggestions are only personal opinion and do not represent professional advice.

• The first recommendation deals with sleep. Most professionals recommend eight hours of sleep per night for adults. More than eight hours may lead to depression or at least sluggishness. Less than eight hours may lead to anxiety or nervousness. However, I maintain that sleep does not have to be completed in one block of time. Personally, I sleep for about three hours, work on projects for an hour or two, sleep for another one or two hours; then I nap once or twice during the day when I’m tired. Sometimes naps last an hour, sometimes only ten minutes. I think the key is to sleep when your body tells you it needs rest. Of course, I’m semi-retired, and my schedule may not work for most professionals.

• A conscientious diet is helpful for mental stability. I recommend a diet high in omega-3 fatty acids. Those can include, most nuts and seeds, but most helpful are walnuts, sunflower seeds, ground flaxseeds, and soaked chia seeds. I like to soak my chia seeds in milk overnight and that combination ends up similar to a tapioca pudding. Cold water fish provide substantial omega-3 fatty acids – sardines, salmon, trout, char, and herring lead the parade in this area. Avocado is another helpful food in this area. Low fat proteins are helpful including beans, chicken, fish, and turkey. Of course a diet grounded around fruits and vegetables is important, and finally probiotics are helpful for digestion. Those can include pickles, sauerkraut, and yogurt.

• Another important step includes respect – respect yourself, treat yourself, and value yourself. Find a hobby like fishing; go to a nice restaurant or a movie once a month, keep a journal of your thoughts, or even go shopping.

• Exercise is another important aspect that bolsters your self-esteem and overall mental health. An outdoor walk, especially in a park or the woods – that provides, fresh air, strength, and the sun can provide much needed vitamin D to stave off depression.

• Finally, it is helpful to engage with others face-to-face. Conversation can provide a feeling of worth. It is beneficial to get off the smart phone and deal with people in person.

These five keys will not guarantee good mental health, but they will go a long way toward that end.

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Source by Christopher E Gregory

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