Tag: Plan


Insurance companies that offer Medicare Advantage plans engage in a familiar ritual every fall. Beginning in early October, they introduce their plans for the coming year. This is also the time, if plans are not being renewed for the following year, that notices are sent to those plan members informing them of their plans renewal status and detailing the options that they have available.

If your Medicare Advantage plan is not renewing for 2011, there are certain things that you need to be aware of and several steps that you need to take to make sure that you are properly protected in the coming year.

Understanding the realities of your plans renewal status and knowing what steps to take can give you the piece of mind required to make an informed decision for the following year.

Why do insurance companies choose not to renew their plans?

Often, when Advantage plan members receive a notice from their insurance company informing them that their Medicare Advantage plan will not be renewed, the first response is anger. Most of us like some degree of certainty. Having the rug pulled out from under our feet, especially when it comes to our insurance and health care, is unsettling.

If we understand the reality of how an Advantage plan works, we should be able to anticipate possible changes. When an insurance company contracts with CMS (Centers for Medicare and Medicaid), they agree to an annual contract in a defined County or service area. By design, you should be aware that things can change from year to year. Understanding this can alleviate any anger.

Beginning in January 2011, companies that offer PFFS (private fee-for-service) Advantage plans, will be required to allow those members access to a provider network should they decide to utilize it. A PFFS plan is not a network based plan, but rather members are able to visit any provider that accepts Medicare assignment. The provider must agree to accept the plans payment terms and conditions, as well as having the right to accept the plan on a visit-by-visit basis.

If a company decides not to renew your Medicare Advantage plan for 2011, this could be due to not having a credible network in place for your County or service area. If an insurance company only has one plan available, and it is a PFFS plan, it may be an easier and a more cost efficient solution for them to merely pull out of the market.

What do I need to know?

First, you need to be aware that the insurance company has a contractual obligation to honor their commitment to you. Your plan is still a valid plan for you to use for the remainder of the calendar year. Claims will still be paid and customer service will still assist you with any issues that may arise.

In addition, you now have a guaranteed enrollment period to apply for a Medigap insurance policy. If you decide to apply for a Medigap policy, which is also known as a Medicare supplement, the company cannot refuse to sell you any plan that they offer. Health conditions will not prevent you from purchasing a Medicare supplement during a guaranteed enrollment period.

What do I need to do?

If your Medicare Advantage plan is not renewing for 2011, you need to assess you options. It is comforting to know that you have several choices.

  • Return to traditional Medicare and purchase Part D drug coverage.
  • Enroll in another Advantage plan.
  • Purchase a Medicare supplement and Part D drug coverage.

If your Medicare Advantage plan is not renewing for 2011, start exploring you options early. Your current Advantage plan will end at midnight December 31st. You are not required to stay with the same company should they have an alternative plan available. It is in you best interests to take this time to look at all available options. Armed with knowledge, you can choose the right coverage and be protected for the following year.


Source by David Forbes


It is rightly said that necessity is the mother of invention. This applies to health insurance also. Deteriorating lifestyle patterns and the rising cost of health care in India has paved way for health insurance services. This need has further aggravated by the fact that unlike the West, the social security systems are non-existent in India. The governments have made all the provisions to extract tax from the citizens at all possible points but when it comes to health care and social security, it has not done anything at all.

Thus, it is the responsibility of the citizen to secure himself. But it is not that smooth to get the right health insurance policy. There are over two dozen general insurance companies which are offering different types of health insurance plans in India. Many times, people end up buying health insurance plans which are not relevant for them and which do not help them during the time of need.

Therefore, it bears crucial significance that you understand the nuances of health insurance plans and then only make a decision. Here is a quick list for you.

What all do health insurance plans cover?

Health insurance plans are primarily meant to provide you coverage against hospitalization and critical diseases. Most plans cover this. But, there are many plans, which do not cover certain types of health ailments. For instance, you can find several mediclaim plans which do not cover blood pressure and diabetes related issues.

The scope of coverage can be different too. For instance, not every plan covers post-hospitalization expenses. In some the coverage period can be as large as 45 days and in some the period could be as little as one week.

It is your responsibility to check on these matters. If you are relying on the insurance agent who is pursuing you, it can cost you dear at later dates. Agents are interested in making sales and commission. They may show their concern and tend to offer you the best plans, but they reality can be very different. So, just take care of these aspects.

The development of health insurance industry in India has motivated insurance companies to introduce comprehensive plans. A wide range of riders are also available at your disposal. Thus, if you buy a standard policy, you can add on riders which can provide you cover against many other risks such as permanent disability benefit, diabetes coverage, etc.

Do they cover pre-existing conditions?

Most mediclaim plans in India do not cover pre-existing conditions unless specified. Do not assume on this matter. If you are looking for coverage against a pre-existing medical condition, then clarify it at the very first instance. You can compare health insurance plans online and consult with customer care center through online chat option or telephonic call.

There are plans which cover pre-existing ailments at certain conditions. Generally, there is a pre-specified period under which pre-existing conditions are covered. The cost of such plans is naturally higher than the standard ones.

Can multiple family members be covered under one plan?

Yes, it is possible. You can simply opt for a family floater plan and get your family members covered under a single plan. There are myriad benefits of these plans. The premium is a bit higher but quite less if you go for different health insurance plans for various family members. The collective cost for various plans is much higher.

Family floater plans, at the other end, are cost effective. The most frequently asked question about family floater plans is what happens if one member consumes the coverage limit and another member falls ill. There are solutions to these conditions.

You can top-up coverage limit during the policy period. Of course, you need to pay some additional premium to get the extended coverage.

Can you switch from one health insurance plan to another?

Portability is not limited to the telecom sector only. The Insurance Regulatory and Development Authority of India (IRDAI) has made portability possible in the health insurance sector.

If, due to any reason whatsoever, you wish to change your health insurance service company, you can file an application for the switch. Health insurance is offered by general insurance …


The 2000 calorie diet plan limits a person’s daily intake of food to 2000 calories. This is almost close to the normal amount of calories a person consumes in a day. But the difference between a 2000 calorie diet plan and a normal everyday eating is that the 2000 calories from a diet plan come chiefly from fruits, vegetables, nuts and other nutritional food stuff rather than from foods that contain saturated fats. Following the 2000 calorie diet will keep you hale, healthy, energetic and brisk. With this 2000 calorie meal plan, your odds of reducing your weight and maintaining it at the desired level is more because you don’t have to worry about adjusting calories and food stuffs after the weight is lost. Against normal conceptions, a healthy diet like this can also be very tasty and so sticking to the diet plan will not be a difficult task at all. Consequently all the pieces those are required to achieve a healthy weight loss and to maintain a perfect body shape fall into their places correctly with the 200 calorie diet plan.

Sample 2000 calorie diet plans:

In general terms, a 2000 calorie diet plan can be made up using two servings from the fruit group, seven servings from the grain group, eight servings from the vegetable group, three servings from the dairy group and eight servings from the meat and bean group. This comes to around six ounces of grains, two and a half cups of vegetables, two cups of fruits, five and half ounces of meat and beans, three cups of milk and six tea spoons full of oil. In a 2000 calorie meat plan, you should limit the sugar intake, avoid trans fats, eat lots of whole grains, limit the intake of saturated fats by consuming mono-unsaturated and poly-unsaturated fats. Moreover around 20% to 35% of your calorie intake per day should come from dairy products. Now we will have a look at two simple, tasty 2000 calorie diet plans which will give you an idea of how the actual diet must be framed.

Sample Diet 1:


Two scrambled eggs, two slices of bacon, two slices of whole wheat grain toast, a single cup of skimmed milk and one serving of jam and preserves will make the ideal breakfast for a 2000 calorie diet plan.

Morning Snack:

The morning snack can be anything of your choice but the total calorie content of your morning snack should be around 100 calories.


You can dine on anything you like as long as the total calorie count for lunch comes around 450 calories. Three crunchy tacos would be an excellent choice for lunch.

Afternoon Snack:

Enjoy any dairy product for an afternoon snack. Low fat cottage cheese, low fat cheese and low fat yoghurt are a few suggestions. Just a keep an eye on the calorie content so that it does not exceed 110 calories.


Three ounces of steak (oven roasted, grilled or pan roasted), a small baked potato, margarine, half a cup of beans (baked), whole grain bread and a mixed salad made of lettuce or spinach with a little lemon, a table spoon of shredded cheese, a slice of tomato and cucumber and a 60 calorie salad dressing of your choice.

Bedtime Snack:

You can have a bedtime snack of a cup of skimmed milk blended with half a cup of strawberries.

Sample Diet 2:

Breakfast: (570 calories)

Omelet from three egg whites and one yolk with chopped onions and garlic, two slices of whole wheat bread with jam, natural fat-free yogurt and a small piece of fruit. This will make up the mouth watering breakfast for a 2000 calorie diet plan.

Lunch: (530 calories)

Lunch comprises of chicken pasta salad, four tablespoons of whole wheat pasta and fruit juice worth 90 calories.

Snack: (200 calories)

Two slices of malt loaf with a thin smear of butter.

Dinner: (800 calories)

Chili Con Carne, salad with light dressing, and one small low-fat fruit trifle.

Whatever the diet you follow make sure that you drink lots of fluids. Water is the best option to keep your body hydrated. You can also drink liberal amounts of …


Big social event coming up. Enter Turbo Fire Workout. And you need to know how to lose weight fast in a week so you can fit into that outfit and impress the socks off of EVERYONE. Enter the 5 Day Inferno Plan.

Well, failure is not an option with the Turbo Fire 5 Day Inferno Plan workout, which is included in the complete Turbo Fire DVD Program. It's a mini "crash" program formulated for people who are getting ready for a big social function or just want to get a jump-start on the Turbo Fire ("TF") Workout program in general.

Basically, this is developed as a Monday through Friday plan. The 5 Day Inferno Plan helps you to get on the fast-track to losing weight and helping your muscles go from flabby to toned quickly and boosting your metabolism and burning fat.

As long as you follow the meal suggestions faithfully, and do one TF workout, minimum everyday, you can start this 5 day plan on any day of the week that works for you. Just stick to the plan!

The TF Inferno Plan comes with preplanned menus of 1200 calories, give or take, each day. And, each day has scheduled Turbo Fire classes or workouts. This will cause you to begin to plan out your meals and workouts using your personal tracker that is provided.

If you follow these instructions, you could lose up to 10 pounds and 10 inches in those 5 days.

To give you an idea of ​​the Inferno Plan, here is Day 1:


Fire 55 EZ Class and Stretch 10 Class (Don't let the "EZ" fool you.)


Breakfast – Turkey Bacon Breakfast Sandwich

Snack 1 – half of a medium-sized banana, 7 walnut halves

Lunch – Tuna Salad

Snack 2 – One serving of Shakeology, 8 oz. water, 1/2 tbsp. almond butter, mix in blender with


Dinner – Honey Dijon Chicken with Steamed Garlic-Parmesan Broccoli

The nutrient information for Day 1:

Calories: 1183

Total fat: 41g

Protein: 107g

Carbs: 101g

Fiber: 16.5g

So, whether you're doing the 5 Day Inferno Plan or TF as a whole, you will burn 9X more fat and calories than you would with a typical cardio routine. TF accomplishes this by implementing HIIT, which is high intensity interval training. This is done by longer bursts of high intensity energy with shorter breaks.

Although, the HIIT workouts are intense, they are for a shorter period of time. Even though they last only a few minutes, scientific studies have shown that HIIT exercises, like in TF, burn calories during and after working out. You can get that after-burn for up to two entire days.

And it's perfect for people who don't have much time to work out or go to the gym and want an effective workout, since the workouts are shorter!


Source by McKenna S.


Who is home fitness for?

Focus on putting together a solid home fitness plan if you’re looking to get better physical conditioning and improve the shape of your body. It doesn’t matter the age or ability of the individual, anyone can put together a basic workout focusing on three components to show results. Stick with cardiovascular conditioning,strength performance, and stretching to increase functional ability.

Increasing your cardio endurance doesn’t mean you have to use a machine or have a wide open space. A good running program (slow or fast) can be achieved with a pair of running shoes. For those looking for a piece of equipment to aid them in their cardio workout, they have a good amount of options. A few types of devices to pick from are:rowers,treadmills,bikes,and gliders.

Strength training can be accomplished with body weight movements or various forms of weighted resistance from an array of equipment. A good home fitness schedule hits the major muscle groups at least one time in the course of a weekly workout.

Body weight resistance exercise routines can be as basic as push-ups,squats, and core conditioning or you might want to make it a little more challenging by using various types of equipment like a pull up bar or a weighted vest.

The general pieces of weight exercise devices are a barbell and weights with a flat workout bench. For those with limited space, the use of adjustable dumbbells or adjustable kettlebells will work just as effectively. Strength workouts routines use a variety of equipment to get the greatest benefits.

Stretching is one area of a fitness plan most individuals put very little time into or don’t do it at all. The greatest results from working out will come from incorporating stretching into your weekly workouts and it shouldn’t be overlooked.

Regardless of your flexibility, everyone can receive the benefits of increased range of movement, reduced tension in muscles, and muscular coordination. Yoga and Pilates are two types of stretching programs that can be all-encompassing workouts on there own.

Why home fitness

Home fitness will provide the same results as any franchise gym center at the fraction of the cost and on the time schedule you set. No more hurry to make it to the gym to get a fast workout in before it closes. Stop paying monthly dues for equipment or programs you don’t even use.

Most gym programs require a signed contract that commits members to up to a year of expensive monthly dues that are taken even if you don’t use the facility for a month or more.

Trying to make it to the gym to get a last-minute workout in before it closes can be a hassle. Not to mention the time wasted and workout ruined from waiting to use a specific machine when the gym is busy.

Other areas of home fitness to consider

Nutrition is a substantial component of home fitness and when worked into the plan correctly, can provide high levels of energy and beneficial stress relief throughout the day. Following a basic plan of small healthy meals with sensible snacks will keep the energy levels up over a long period of time.

Eating lean portions of meat and having a serving of vegetables with each meal will give you a good proportion of needed nutrients. Fruits and nuts are a good alternative for bad snack choices. The last thing you want is to do is sabotage a healthy meal plan with garbage.

Lack of water consumption can kill workout performance and make it extremely hard to progress with results. While it is advisable to drink water before, during, and post workout, it is also important to drink it in moderate amounts during the day.

Adjust the amount of water you need by monitoring you activity level throughout the day. If you want your body to function properly make sure to drink plenty of water.

Don’t underestimate the role rest plays in allowing the body to adapt and repair itself for the next workout. A good rule to follow is to get a minimum of two days rest from a home fitness workout during a week period with the days off being staggered …


As Watermelon Day (Aug 3) is drawing near, more and more people are going ga-ga over the benefits of watermelons. Researches have brought to light the immense health benefits that watermelons store up within themselves and scientists are on the look out for some more revealing facts about this amazing fruit. Lycopene, one of the most-talked about nutrients in watermelons, is the target of observation of most of the scientists. Watermelons store a high percentage of water besides containing decent proportion of essential vitamins. It acts as an antioxidant, relieving the body of stress during the summer months. Watermelons are excellent rejuvenators, relieving the body of fatigue after an exhaustive day’s work. No wonder, watermelons are vastly becoming popular with the health conscious and diet freaks. Current trend reveals a huge number of people switching to watermelon diets so as to lead a fit and healthy life.

People recommend numerous ways of leading a healthy life. Hitting the gym, following a vegetarian or protein diet, fat-free food … the list is endless! Some of these diet patterns are often boring and tasteless. Variety is very important to tickle one’s taste buds. So whatever diet pattern a person follows, he or she should keep on altering so as to retain interest in food intake. Lack of attention to one’s diet might even cause anorexia without the person realizing so! To avoid such mishaps, try out some excellent mouthwatering recipes that are low cal and loaded with a number of essential nutrients. You guessed it right! It’s definitely gonna be some of the best-known watermelon recipes. These delectable recipes can act as snacks, appetizers, filling lunch or dinner, a refreshing drink, delectable desserts and what not! When so many healthy options are on offer, one can hardly control oneself from switching to a watermelon diet.

As appetizer, one can try out the Balsamic-dream appetizer i.e. watermelon cubes sprinkles with fresh limejuice and balsamic vinegar, to be served with cheese and crackers or bread slices on the side. Watermelon gazpacho makes an amazing summertime starter, using pureed watermelon as its base instead of tomatoes. A combination of cheese (feta cheese or goat cheese) and chilled watermelons can provide you with an energy-driven breakfast. Watermelons can also be used for dressing seafood like crab salad to make a healthy and wholesome lunch. Spicy watermelons, sprinkled with either pico de gallo seasoning (a chili-mixture available in Latin American markets) or an Asian chili salt (a mixture of salt and chilies available in Asian markets, such as the Vietnamese Bon Bon brand) are hot snacking items. Watermelons, in combination with dry sake (Japanese wine), make an excellent sorbet. Smoothies of watermelons are teamed up with various fruity flavors especially strawberries. Watermelon pies and other forms of its desserts are just too irresistible! Watermelon rinds can be pickled, barbecued or even made into salad with ginger and grenadine. These preparations can be made easily without any hassles and do not consume much time. These amazing varieties of watermelons can easily lure us to change our diet patterns.

Besides, most workingwomen find watermelon diet convenient both in terms of preparation time and health. So check out this new trend of food as well as lifestyle introduced by watermelons. For sure, the more people try this out, the more they are gonna stick to it, the primary reason being the desire amongst all of us to look and feel great. watermelon diet, therefore, is the key to man’s latent dream of acquiring a great body and is making its way into the hearts of people worldwide.


Source by Suzanne Macguire


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.


Source by Amar N Tyagi


The skyrocketing medical expenses, make health insurance plans very essential. When you have an insurance plan, you feel more secure because you are covered even in emergency medical situations. You do not have to start looking for money to get medical attention and you do not have to use the money you have to cater to the medical needs when you have a health insurance plan. There are so many health insurance providers today offering all sorts of plan and you therefore must know what features to look out for to get a plan that is most valuable for your medical needs.

1. Good room rent limits. This is an important feature when hospitalization is inevitable. A good health insurance plan should not have a maximum limit on the room rent so that you know this expense is well covered no matter how long you or a member of your family gets admitted in hospital. Such plans are however hard to find because most come with small percentages on maximum limits, they will pay for room rent. At least choose a reasonable percent to get better value from your plan.

2. Preexisting disease cover. A good plan should cover even pre-existing diseases you have before you buy your insurance plan. This is the best kind of policy because then you get the important medical care you need with the diseases compared to plans that do not include preexisting diseases in their plans. Choose a plan that covers the preexisting conditions and one that has a lower waiting period for claims on the same.

3. Impressive hospital network. When getting a health insurance plan, a good one is the one that makes it possible for you to get medical help from a number of hospitals. Such an impressive hospital network ensures that you get help as soon as you need it and from a hospital nearest to you. Choose a plan that directly ties you up with the good hospitals within your locality to enjoy better delivery of services. Cashless facilities are best because you won’t have to go through the process of filing for reimbursements.

4. High no claim bonuses. The truth is that you will not always make claims on your health insurance. For this reason, a good plan should offer you no claim bonuses when no claims are made. It affects the sum assured by the next renewal, but you definitely want to choose a policy that offers you high no claim bonus, so you get better value for your money even when you do not end up laying claim.

5. Least exclusions. A good health insurance plan should cover most of your health needs. There is always an exclusive section of the policies and unfortunately most people forget to go through it before taking up the policies. Ensure you check the section out and select a plan that has the least number of exclusions to help you relax knowing that it has you covered for most health issues.


Source by Jovia D’Souza

A 7-Day Workout And Fitness Plan For All


While a week-long total-body reform and complete overhaul do not exist, a 7-day workout and fitness plan for all that will have you jump-starting your way to successful and long-term improved body composition do. The key to any diet and workout plan is persistence with the spokes on the key being good form, consistent reps, a good diet, and lots of water. The first three weeks of any diet are crucial and the first week itself can make or break you on the way to starting a good habit. Therefore, consistency is the name of the game. We’ve compiled a complete 7-day workout and fitness plan for you with step by step instructions, tips, and encouragement for along the way.

A Few Tips to Begin With

1. Prepare yourself.

This means preparing both mentally and physically. For your seven-day commitment to work, you need to commit to it with your whole mind and body. Admit to yourself that it isn’t going to be easy, but it is something you can do. Set a goal for yourself each day and for the end of the week. Tell yourself that you may not see huge differences by the end of those seven days, but you are laying a strong foundation.

Preparing also means that you may need to make some changes to your schedule or plan appropriately so that you will follow through with the diet and workout. Plan to go grocery shopping and prep food for the week on a day when you have time. Take time to write out your schedule so you can find appropriate exercise times around your busy schedule. These should be times that you can’t make excuses. If you have a family, prepare them as well letting them know that for this week, you are committed to your exercise and diet schedule.

2. Determine where you are going to exercise.

If you have access to a gym, that is great. If you do not, you will need to plan to exercise at home which may mean buying the necessary equipment or ensuring you have something at home with which to perform the exercises. You can also consider asking your local gym for a free 7-day membership or trial. Several offer promotional trials.

3. Keep your goals and focus in mind.

It takes twenty-one days to make a habit but only one to break it. Psychologists and therapists will tell you that when you write down your goals and put them in a visible place, you are more likely to pursue them, especially when it becomes difficult to do so. When you really want that ice cream or don’t feel like you can do that last rep, think of your goals, smile, breath, and stay focused.

The exercises and diet in this 7-day rapid weight loss program are designed to go hand-in-hand to help you gain muscles and flatten your tummy in 7 days. If possible, try not to substitute unless otherwise instructed. You will see that each day has an encouragement, a tip, a diet plan, and exercises for the morning, evening, and night. Although this may seem difficult, rapid weight loss requires keeping your metabolism boosted and this can only be done by eating a good diet throughout the day in tandem with exercises.

Meals and snacks should be as evenly spaced out as possible with about 2 hours between each. With the gym routines involving weights, a good rule of thumb is that you should have enough weight to be challenging but not severely difficult. If you can’t finish the final set of reps, that is alright as several trainers suggest that taking your muscles to the point of failure will build them the best. It is also more than appropriate to use lighter weights and be able to finish all the reps. Taking muscles to failure will build reps while using lighter weights will tone. Either way, be sure to focus on form and exercising the muscle from both angles. This means that you do the repetitions slowly both up and down.

You may also notice that you will be eating a lot of food. This is necessary for both your metabolism …

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