Make Your Health Insurance Plan Work For You

No matter how avidly you take care of your health, there are unexpected circumstances that can land you a day or two in the hospital. If you are not prepared and you do not have enough health insurance coverage, this can cut a great deal with your savings. Thus, it is very important that you choose the best health insurance plan that can help you in case of an emergency.

First, check out all the health insurance options that you have. Consider your family’s health needs as well when signing-up for an insurance plan. There are two types of health insurance plan that you can sign-up for: private and government health insurance options. The private health insurance is personally signed-up for by an individual. You will also have a health insurance plan when you are employed. The company will provide you with coverage as part of your employee benefits.

The health insurance coverage provided by the government may be offered on a local, state or national level. Medicare is an example of a health insurance plan offered on a national level. Medicare benefits are available for people who are over 65 years of age, and to persons with disabilities. Other government-initiated health insurance programs include: Medicaid, the State Children’s Health Insurance Program, health care benefits for the veterans and military, as well as eligible American Indians.

If you want to sign-up for a private health insurance plan, learn everything that you need to know about the coverage stipulated on your contract. Read the coverage information and check the sections stating the exclusions. Avoid signing up for one which has a long list of exclusions that would not cover much of anything. More importantly, make sure that you have a copy of every contract that you will sign. See to it that your personal information is correct and make a note of the coverage period. All in all, make sure that you have ample health insurance coverage for you to use whenever you need it.

Green Tea The Secret To Good Health

Green tea has been around for 1000’s of years, and the Chinese have always known about the many health benefits of green tea. Now the rest world is catching up and jumping on the green tea bandwagon.

What makes green tea so healthy? Antioxidants, green tea is loaded with antioxidants that support your bodies immune system and helps eliminate harmful toxins from your body. These powerful antioxidants are so potent that research is showing that they might even be able to cure cancer.

In addition to being healthy green tea can also help you lose weight. Green tea has what is called a thermogenic effect on your body meaning that it makes your body burn more calories there by causing you to lose weight. In addition many people feel they get a natural energy boost, and also that they can think better when taking green tea.

Promoting good health and weight loss are great, but perhaps the best part is that green tea tastes wonderful. It doesn’t give you that insulin crash that soda does, and it’s not hard on your stomach like coffee. You can find green tea in many different flavors, but stay away from bottled tea because most of the time it’s filled with sugar or artificial sweeteners. The best way to buy green tea is in bulk loose leaf form, or if that’s not available in your area you can substitute it with bagged tea, but keep in mind that bagged tea is typically lower in quality than loose tea.

By simply replacing soda, coffee, or any other sugar filled beverages with green tea you’ll be doing yourself a huge favor and you will notice a positive change within days.

Living Will Forms And Health Care Power Of Attorney Forms.

The purpose of a Living Will declaration is to document your wish that life-sustaining treatment, including artificially or technologically supplied nutrition and hydration, be withheld or withdrawn if you are unable to make informed medical decisions and are in a terminal condition or in a permanently unconscious state.
1. Life-sustaining treatment means any health care, including artificially or technologically supplied nutrition and hydration, that will serve mainly to prolong the process of dying.
2. Terminal condition or terminal illness means an irreversible, incurable and untreatable condition caused by disease, illness or injury. Your physician and one other physician will have examined you and believe that you cannot recover and that death is likely to occur within a relatively short time if you do not receive life-sustaining treatment.
3. Permanently unconscious state means an irreversible condition in which you are am permanently unaware of yourself and your surroundings. Your physician and one other physician must examine you and agree that the total loss of higher brain function has left you unable to feel pain or suffering.
Having a Living Will does not affect the responsibility of health care personnel to provide comfort care to you. Comfort care means any measure taken to diminish pain or discomfort, but not to postpone death.
In most states, a Living Will is applicable only to individuals in a terminal condition or a permanently unconscious state. If you wish to direct medical treatment in other circumstances, you should prepare a Health Care Power of Attorney.

The Health Care Power of Attorney form gives the person you designate (agent or attorney-in-fact) the authority to make most health care (including dental, nursing, psychological, and surgical) decisions for you if you lose the capacity to make informed health care decisions for yourself. This authority is effective only when your attending physician determines that you have lost the capacity to make informed health care decisions for yourself. As long as you have the capacity to make informed health care decisions for yourself, you retain the right to make all medical and other health care decisions. You may also limit the health care decisions that your agent will have the authority to make. The authority of the agent to make health care decisions for you generally will include the authority to give informed consent, to refuse to give informed consent, or to withdraw informed consent to any care, treatment, service, or procedure to maintain, diagnose, or treat a physical or mental condition.