In these tough economic times, lots of workers who have been laid off have opted to start their own businesses rather than seek new corporate jobs. While this choice can be enormously satisfying and empowering, it comes with significant disadvantages, and one of them is finding health insurance self employed alternatives.It's not impossible to find health care insurance if you're self employed. The Employee Benefits Research Institute found that...more
The restaurant industry employs millions of Americans. These workers are more likely than most to be uninsured. There are several reasons for this.First, many waiters, waitresses, hostesses, etc. earn minimum wage or less. It is difficult enough for employees earning $7 or $8 an hour to afford health insurance. A lot of states have a separate minimum server's wage that is slightly over $2 an hour. The remainder is expected to be...more
Many people feel intimidated when it comes time to find a doctor. Whether they need a specialist or a general practitioner, that list of names in the phone book can be off putting. Some surveys suggest that people actually put off getting health care they know they need simply because they are overwhelmed by the process of getting in to see a physician. Others choose to just go to their local walk-in clinic or emergency room because they don't know how to find a doctor. If this behavior speaks to you, you should know that the search for a local physician need not be so traumatic. With a few easy decisions, you can narrow your search, make the right calls, and be in the waiting room before you know it. Remember, this is your health in question here; don't let procedure keep you from getting the care you need.One of the best places to start, if your insured, is with your insurance company. They should have provided you with a list of in-network physicians when you signed up for the plan. If you don't have this list, give them a call and get them to help you out. Have them give you some choices when it comes to physicians in the specialty you need. If you're not sure of that, browse...more
There are few things worse than being diagnosed with a critical illness. It is an unpleasant surprise for which most people who are not able handle the crises. The only thing they can do in that case is pray for good health and in the meanwhile, do everything they can to maximize their security under such circumstances.This is exactly why critical...more
In California, health insurance companies offer what's known as high-deductible health insurance. You typically get lower premiums on plans that don't cover your healthcare until you've spent $5,000, $10,000 or more out-of-pocket in a year.High-deductible plans aren't the only way to cut healthcare costs. Here are other ideas that can help you keep...more
How great to be pregnant! It's a time of joys and challenges. There are so many aches and pains, such discomfort. Though we are gaining weight, have muscle and joint pain, we are elated. What can we possibly do to alleviate this? I recently heard about pregnancy massage. What a luxury! During my pregnancies, I wish I had heard of this. In most circumstances, pregnancy massages can be a great relief and comfort.When pregnant, we all know that we must, not only take care of ourselves, but also of the new baby growing within us. We have many feelings, some of them stress, anxiety, depression, as well as joy of the wonders and challenges ahead. All these feelings are normal, and can be alleviated a bit, unbeknownst to us through a pregnancy massage.The many symptoms of pregnancy can be reduced by an appropriate pregnancy specialist. These specialists are also known as pre-natal specialists. She/he will have appropriate pillows that are needed to support the baby, and will know the proper positioning to make you most comfortable, and to keep the baby safe and healthy. When having a massage when pregnant, deep tissue massage is not recommended, as it may do harm.One important point is...more
In all my years on this earth, I have only had one massage! Now that I know the many benefits and history of massage, I'll be looking forward to a series of massages. It is an ancient form of healing and ways of relaxation and rest. It is found in to...more
For 20 years, Texas residents have fared worse than the rest of the nation by having less access to medical care. September marks new relief to help the public pay for Texas health insurance plans.Over the last five years, Texas health insurance...more
Most individuals who use private health insurance continue looking for ways they can cut their insurance premiums without losing some of the quality benefits their current plan offers them. Now, you can lower your rates by simply taking...more
The right kind of health insurance quote can help you to purchase a cheap health insurance policy for you as well as your family members. Research is the main activity that you have to undertake to avail a perfect health insurance...more
Every year, more than one million Americans earn a college degree. Graduation is exciting, but flipping your tassel also means taking on new challenges. One of them is deciding what to do about health insurance.Traditionally, young...more
In the past 9 years, I have had 3 normal pregnancies and healthy children. While the pregnancies were all normal and complication-free, I had all the different feelings going through both my mind and body. Between muscle and joint pain, there is also...more