Monthly Archives: September 2016

Easy Health and Fitness Tips

Getting started with a lifestyle of health and fitness is not really the hard demanding task that anyone usually believe it is. When you really think about this, the difficult element is often the beginning. Later on, the rest will likely be a lot easier after you really get the hang of it. All it takes is self-control along with responsibility.

Below are 5 easy health and fitness tips on how to get a head start on your route to superior health and fitness. Read every one and you’ll realize that it is actually easier than you maybe thought it would be. You only need to take the initial few simple steps.

Health and fitness tips #1: Start small.

When your preferred food is something you have to steer clear of, there isn’t any meaning in leaving it out if you just binge when you can’t take the abstinence any more. Take moderate actions. If you consume the meal each day try and cut down on your consumption and make it just 3 times weekly. When you have managed that, decrease further and make it once every seven days. Doing this, you can still take pleasure in the foods but not build up your longing for these.

Health and fitness tips #2: Plan reasonably.

Establish goals for yourself. But it does not necessarily imply that you will need to kill yourself to get it so when you don’t you’ll also kill yourself. Establishing too high goals will usually only bring about failure and frustration. While you prepare, be sure that you is able to do it. How will you know? Remain realistic. You know what you are capable of. It is far better setting goals for yourself that you know you can apply. Achieving them gives you a feeling of achievement which will make you more self-confident and much more happy to continue with your task.

Health and fitness tips #3: Use a friend.

Sharing the pains and aches along with the pleasures of achievements with a buddy may help make the program easier plus more tolerable. In reality, those with a companion are better suited to stick to their plans than those who will be undertaking the projects on their own. Simply because if you have a friend with you, he / she provides an assistance system that can help keep you on course which will help prevent you from abandoning. In addition to having a buddy along with you encountering the same struggles definitely makes the process more fun and much more enjoyable.

Health and fitness tips #4: Have self-discipline.

This really is one of the few issues that can make or shatter your intends to finally live a healthful lifestyle. As a way to really stick to the plan, you should develop self-discipline especially when it involves things which you eagerly want to accomplish or stuff that you are used to doing. Temptations in the process will be many and you need to be willing to face all of that!

Health and fitness tips #5: Practice it for your self.

Many men and women set out to live a life of health and fitness in hope of getting noticed by other people. Even though this is a valid reason, at times, it’s not sufficient to see you through the full process. It is better that you just do this for yourself simply because you want a healthier and better you compared to do it for other people’s acceptance. After all, the only real acceptance that you ever need to have is your own.

Tips For Good Health

If you want to make a fresh start and a new, healthy you, here are some tips which can help you to achieve your aim.

Eat Breakfast

The best way to start your day is with a breakfast which is not only healthy but rich in protein. It is twelve hours or more since your last meal, and you need to provide your body with some fuel, so that your metabolism gets going. If you don’t have time to make breakfast, then eat some fruit or some cheese.

Choose Fresh Foods

There are forty or more nutrients which your body needs for good health, so eat the greatest variety of foods you can in order to provide these. This means that you need lots of different fruits and vegetables, whole grains, dairy products and cereals, and just a limited amount of sugars and fats.

Organic Foods

Processed foods contain lots of additives, preservatives and pesticides. These are not good for our systems. Gradually toxins build up in your body, and this can be detrimental to the functioning of your immune system. If you want to keep your body healthy, then as much of your food as possible should be organic, in other words not over-processed and not chemically treated.

Don’t Eat Out or Eat Fast Food Too Much

We are all very busy these days, and sometimes don’t have the time to prepare a healthy meal. Occasionally, therefore, it’s fine to stop at a fast food joint on the way home. But it’s not good to make this a habit, otherwise you could put on weight or start feeling unwell.

Skipping Meals is Not a Good Idea

Your food is the fuel your body has to have to keep going, and your brain needs it too to function properly. Skipping a meal will cause a serious drop in blood sugar levels, which produces a sluggish feeling, and also makes your body think you’re starving. When you do eat, your body feels it needs to store the food, and it therefore turns to fat. To prevent this from happening you should eat at least every three hours.

Choose Your Snacks

When you are feeling in need of a lift, or just a bit hungry, have a healthy snack, which you can have conveniently to hand. For example cheese sticks, crackers or fruit.

Eat Sitting Down

We so often multi-task these days, but it’s good to take some time, sit down and enjoy a meal with your family or friends. This helps your digestive system and is therefore better for your health.

Calcium

Your body needs calcium to help it process other nutrients in your food, and to build healthy muscles and bones. You need to ensure you get plenty of calcium by eating dairy products and vegetables which contain lots of this mineral.

Limit Your Alcohol Intake

We often drink alcohol on social occasions, but if you drink heavily too often, your health will suffer. So limit the amount of alcohol you drink, and choose an alternative when you can, such as club soda or juice.

Drink A LOT of Water

Water is the best addition to your daily diet. It flushes out toxins, cleans out your system and keeps you feeling healthy.

Following the above tips should help to keep you healthy: make a start now, and you’ll soon see the difference.

Mental Health Care

If you work in the mental health field, you are a natural born communicator. Can we all agree that there is no counseling without a true command of language? After all, psychiatrists, counselors and social workers must all be well versed in BOTH, the spoken and written word to succeed within their chosen career fields.

Counseling sessions are based on active listening skills and the ability to successfully organize and summarize what the client shares. In addition, everything learned from each client session must be converted to accurate, comprehensive and concise progress notes. The data is often admissible in legal proceedings, so the mental health professional must be able to use an economy of words which express a multitude of thoughts and details. Let’s also just remind everyone that professionalism and field credibility also requires neatness, flawless spelling and grammar and attention to proper syntax.

So, where does Social Media enter in to a discussion about listening, thinking, talking, writing and detail orientation?

Social Media Represents the “New World” of Opportunity for Everyone

Social Media is an important form of communication these days. It is becoming a communication tool of choice for many mentally ill clients, especially when they wish to communicate – anonymously – with others to avoid positive

identification and attached stigma. Mental Health professionals are increasingly spending their counseling time instructing their clients in the safe and productive use of Social Media, for this purpose. The chief goal is ALWAYS to protect the vulnerable from exploitation.

The mental health professional is also using Social Media as a way to gain additional professional knowledge as well as to network with others in his own field; including the many that live and work a great distance away.

There are also new opportunities for degree work and certification through online universities and professional organizations, respectively. There are moderated and open forums for career-related discussions on a variety of professional topics developed to advance the field of mental health care.

Plenty of collegial relations and friendships have been forged in the online world, often leading to one-to-one telephone conversations and live meetups. Face-to-face meeting have always been the goal of Social Media, which is designed as an enabler and not a replacement for physical human interaction.

Job information has been exchanged and employment interview offers are often tendered online. And, then there is the research that keeps the mental health care professional up to date on the changes taking places in his field from day to day. Some of the research and anecdotal contributions are the product of practitioners, just like you and me, who choose the Internet as a place to publish our work and share it with the world. We no longer need to wait for third parties to publish what we write.

Forget the Yellow Pages. You Must be Active in Social Media to

Succeed

There is another area in which the worlds of mental health care and Social Media often come together – marketing and outreach. Can any nonprofit or private business afford not to avail themselves of the benefits offered through Social Media? I think not. Why? Because, the collective Social Media audience is huge and diverse. We need the kind of visibility and name recognition that the Internet can lead us to.

Most everyone that we need to connect with is already online, with more and more people showing up daily. Facebook, alone, is already at or nearing 600 million users. Confidently, there is no one on earth that does not know – at least – a single person with a Facebook profile.

Marketing and outreaching others in Social Media need not take a huge amount of resources, either. In fact, the entire effort can be limited to just a few platforms and a limited amount of posts on a consistent basis. This is resource allocation, well positioned.

Are you LinkedIn?

All professionals in any field belong on LinkedIn. Create a profile with your credentials, contact information and over time, as many business references as you can gather. Take some time to join some professional groups and pose and answer career-related questions among the group members. There is a lot to learn from others and much one can share to prove his field expertise. It is such expertise that builds professional credibility and helping relations over time. Such relationships are invaluable when it comes to creating all sorts of professional opportunities including business partnerships, client referrals and employment offers. Do not discount the value of LinkedIn as a premier Social Networking platform for mental health care professionals.

Are you Facebooking?

Facebook is another place where the people we need and wish to “talk” to are a great deal of the time. Sure, it is a place where one must be especially careful not to embarrass himself among his friends or professional colleagues, but it is a place where using good posting discretion can balance the fun with the serious. The common denominator is “value.” Bring value to others and garner their respect and loyalty.

Facebook does have a business side, too. The Facebook business page offers a place to create and foster community, client and professional relations through providing value to some and offering an outlet for others to do the same. A few well placed posts about happenings in the mental health care field on your Facebook business page and a few more quality posts and comments on the pages of others you seek to have an audience with and you are on your way to growing a successful Facebook presence. Just remember that on Social Media, it’s not all about you. Value for others, FIRST. You have the right to pitch your own endeavors about 15% of the time. Do not try and sell in Social Media; work harder to impress. Being respected and liked will get you the opportunities you are looking for.

Have you Blogged, Today?

Blogging is also a great tool to become better known. Show you are an expert in something and share it wherever you can. One or two 400 – 500 word blog posts per week, can quickly establish a professional as an expert that others want to hear from regularly. Invite others to write for your blog, too. Guest bloggers are refreshing and help give the impression that your blog is important enough for others to take the time and contribute to. Their followers will come to read their posts and have a chance to read yours. Often newspaper and magazine writers read the blogs, so don’t be surprised when you receive offers to publish your contributions in their print and online publications. This is good for you and your business, because their readers are probably your own target audience.

When did you last Tweet?

Do you need to tweet? Twitter can be effective if you can develop a targeted and convertible following. Building such a dedicated following takes much work. You want to create a following of credible mental health care gurus; respected field publications; a pool of mainstream field nonprofits and for-profit; federal, state and local government leaders; supportive local businesses and potential client groups. Retweeting others and replying to their tweets is just as important as tweeting your own materials. Again, you must limit tooting your own horn to about 15% of your tweets. Tweet value and seek to connect with others. If you can build relations and take them off-line, you are succeeding.

Are you in Constant Contact with your Primary Audience?

Lastly, look into using an E-mail service such as Constant Contact to keep your audience up to date. Send out a monthly newsletter; issue announcements such as new hires and business expansions; announce your Social Media presence: and even create event invitations and holiday E-cards for your contacts. The more you can get your name in front of others, the better it is remembered. Just don’t overdo it. Strike a balance by using all of your Social Media tools, timely and appropriately.

This is a very exciting time for mental health care professionals. Their appropriate use of Social Media can do many wonderful things for them; their professions; their businesses and organizations; and the clients they serve.

Affordable Family Health Care Insurance

Finding family health care insurance is important. Without health care
coverage medical bills often become expensive. In family health care insurance
there are many different types of coverage for different needs. There are ways
to save money in the process of finding affordable family health care insurance.

Research the many different carriers of health care insurance. Make sure to
target what your families’ medical coverage needs are and then research the
different carriers to see if their policies fill those specific areas. Some
policies may be less expensive but they may not cover the needs of the entire
family. Family health care insurance is sometimes covered by the parents through
their employers. If this is the case make sure the coverage is able to take care
of the insurance needs of the entire family. Also make sure to review your
policy periodically as insurance policy add-ons will raise the price of the
premium and they are not always needed.

In comparing insurance carriers do not necessarily go through an insurance
agent. There is little regulation in the pricing of insurance in most states and
the premiums can vary widely between different insurance carriers. Policies tend
not to be standardized in dealing with the coverage or the price. Therefore the
premium that is the lowest cost might not be the best deal.

Many major insurance companies offer discounts if you have more than one policy
through their company. For example if you have a home, auto, or life insurance
policy inquire if you qualify for a discount for a health insurance policy.

When carrying an expensive policy with great coverage and the lowest deductible
it may not be the best option. By paying a higher deductible it can then lead to
lower rates and you can also combine a deductible that is higher with a Health
Savings Account (HSA’s) for a greater benefit. Health Savings Accounts also
offers tax deductible features.

Quality Health Care

I would like to share a few facts with you.

Fact 1 – 47 million Americans or 16 percent of the population were without health care insurance in 2005.

Fact 2 – Nearly 90 million people about one third of the population below the age of 65 spent a portion of either 2006 or 2007 without health care coverage.

Fact 3 -Because of the above information the lack of insurance compromises the health of the uninsured because they receive less preventative care, are diagnosed at more advanced disease stages, and once diagnosed tend to receive less therapeutic care and have higher mortality rates than insured individuals.

I would now like to share a true life scenario with you :

This article is about a young woman who shall remain nameless because she could be anyone without health insurance in the United States. After being informed from a family member that symptoms she had recently began having sounded like a condition called Polycystic Ovary Syndrome (PCOS) she did extensive research on the condition and decided that she needed to make an appointment to see an OB GYN physician.

Knowing that she didn’t have health insurance coverage, she phoned the clinic and spoke with a nurse about an appointment day, costs and having tests run for (PCOS). The appointment was made and the woman was greatly relieved that she would finally have answers to the questions that had been plaguing her.

On the day of her appointment because she was self pay, she had to pay in advance. After a couple of hours she was taken from the waiting room to the back where her blood pressure and weight were taken. A pap smear was then performed and afterwards the woman (patient) was instructed to get dressed and wait in the examination room.

The physician was not in the office that day so the midwife examined her. She entered the examination room and gave the patient a prescription for birth control pills and told her that she had (PCOS). The young woman then asked what she should do about the excessive hair growth under her chin and she was told by the midwife to get laser surgery or simply go to the drug store and buy wax to remove it.

Needless to say the woman (Patient) was greatly disappointed. How could this diagnosis be given without proper blood tests? Well she was informed that she was diagnosed based on the fact that she met criteria. Yet upon further investigation and a conversation with the nurse who sits at the front window the woman was informed that she could not have blood tests done because she did not have health insurance and that it would (These were her exact words) cost “thousands and thousands and thousands of dollars” to do the blood tests. This nurse actually said that!

I have to quote her again ; ” It would cost thousands and thousands and thousands of dollars” to have a HGB A1c, Testosterone, Progesterone, FSH, DHEAS and Prolactin blood draw done.

The nurse was later confronted by an advocate for the young woman, who happened to be a nurse. She asked the nurse at the window how she could purposely misinform the young woman with such an untruth. After disappearing for about 20 minutes (in conversation with the midwife no doubt) the nurse finally re-emerged with a lab work up sheet and instructed the young woman to take it to outpatient over at the hospital.

It was later discovered that the blood tests were actually no more than about $500.00. PLUS! The lab informed the woman that after she made initial payment the rest would be worked out in a payment plan.

I was infuriated after hearing this story. First for the Midwife to just give a diagnosis without any real conclusive evidence. Second, to take away this woman’s (patients) option to have tests done in the first place. But most of all the nurse and the Midwife both offered the poorest quality healthcare imaginable by not being an advocate for the patient and purposely leading her in the wrong direction because she was uninsured. We wonder why so many people don’t get properly diagnosed until well into the disease process? Well incidents like this are the very reason why.

This article was written with one purpose in mind. To inform YOU that you are entitled to quality health care. You are entitled to participate in options and decisions that could possible decide the outcome of your life. You have rights.

With that being said I offer this advice when seeking healthcare for any reason. Don’t be intimidated by the nurse at the window or the physician for that matter. My comments are in no way suggesting that all medical personnel behave as these two did, but as evidenced, unfortunately they are out there. Don’t be afraid to ask questions. Write them down if you have to. Do research, educate your self as much as possible as the woman in this article did. Finally find out what your options are and don’t be patronized with condescending words just because you’re uninsured. If at all possible talk to the Physician. Last but not least please get a second opinion especially if your red flag goes up.

It is my hope and dream that one day each and every American will be provided with good quality health care, but until that day comes……Fight for your rights and your life!

Healthy Living Tips

The hustle and bustle of life in Nigeria has made many people to ignore the care of their health until they fall sick or have one reason to see a doctor before they are concern for their body. But getting proper healthy living tips and applying it should make you healthy and is yours for the taking. First and foremost, what is health? Health may be regarded as a condition when all the functions of your body are free from diseases, mentally healthy and state of experiencing peace of mind.

With this article, I will be sharing healthy living tips that will make you physically, socially and mentally healthy, thus keep the doctor away. Let’s get started:

1. Eating Natural Balanced Diet: The key to enjoy good health is eating proper natural balanced diet. If you are giving the body natural food, disease cannot be present in your body. I am talking of natural food that as already been prepared by nature such as vegetables, fruits, grains, they are easily converted by the body. You should avoid junks such as meat pie, chocolate, white bread, etc. If you don’t have the time to prepare natural balanced diet food, there are nutritional products containing the basic balance diet food that can complement your diet.

2. Do Exercise Regularly: Regular exercise help the body to function well especially the digestive system, and enhance sound sleep. Ideally, exercise should be taken in open air; it can be in the form of game or walk. Especially, for people that do brain work, physical exercise should be priority so that too much blood will not concentrate on the brain.

3. Fresh Air in the Bedroom: To ensure maximum productivity in your daily activities, it is essential to have sound sleep daily. So make sure your bedroom is expose to fresh air.

4. Avoid Worries: According to Dr. Alexis Carrol, the Nobel Prize – winner in medicine, “Business men who do not know how to fight worry, die young.” One of the healthy living tips you should not ignore is to learn to manage your worries. It has been noted that continuous worries can result to diseases such as cancer, ulcers, diabetes, heart diseases, etc. You should try and maintain positive attitude no matter the challenges you are experiencing. Do what you can do about the problem, and then pray to God to do the rest. How and when he will do it should be left to him. As they say, when the need is greatest God’s help is nearest to us.

5. Manage Your Finances: With the economy recession happening globally, there are millions of people that have developed needless health problems because they lack to buy daily needs. From all the healthy living tips discussed if you can manage your finances well, with discipline other tips will fall in shape. You should learn to save for the future and earning multiple streams of income. The easier way to go about it is to get mentor that will expose you to earning from leverage and residual income.

In summary, with the aforementioned healthy living tips, that is eating natural balanced diet, doing regular exercise to keep the body fit, sleeping in a room expose to fresh air, avoid worries and manage your finances, you will be physically, socially and mentally healthy.

Health Advice

Where to go for a reliable health advice?
People can go many places to get a health advice.

Going to the internet:

With the internet the source for answers to a health question are only a click away. The problem, though, is many people rely too much on sources that may be unreliable for their health question answers.
Before the internet became a household commodity, people only went to one source for their health questions – they doctor.
Today, though, people are searching online and hitting online databases and message boards to get the health questions answered. This can spell trouble, though.

Going to the doctor:

A doctor or other health care professional is the best source for an advice to a health question. They have the training and knowledge necessary to provide an answer. The answer a person gets from a health care professional can be trusted. They can feel secure with the answer and know that they can follow the advice without harming themselves.

The best source for the answer to a health question has been and always will be a medical professional.

When a person seeks answers to a health question from an unqualified source they are putting their health at risk. Getting advice from someone whose only knowledge may be form a personal experience or something they read somewhere is dangerous. There are many things that can go wrong. A person could take the advice and end up with an allergic reaction or prolonging treatment for a serious illness or injury. Taking this type of advice should lead to further illness or injury.

Daily Health Tips

There is an Arabian proverb which says, he who has health has hope and he who has hope has it all. Contrary to the belief, living a healthy lifestyle is not complicated or time consuming.

Here are a few daily health tips to burn calories and stay fit while you work, play or even drive.

As you wake up sit up slowly. Do not use your hands. Straighten your legs and lean forward. You then feel a gentle stretch in your back and hamstrings. Hold; then using your abs, lower yourself flat. Rest and repeat a couple of times. This exercise strengthens the core.

This is a daily health tip which you can practice as you make your morning cup of coffee or tea. Stand sideways. Put one hand on your kitchen counter. Lift the outside leg straight out in front of you, keeping it extended. With your upper body straight, hold for a few seconds and move it to the side. Hold and extend it behind you. Repeat 5 to 10 times with each legs. This exercise tones up your outer thighs, hips and quadriceps.

Use slim milk for your coffee and tea preparation. Opt for whole grain preparations and cereals rather than instant food. Have a protein heavy meal earlier in the day as you may eat less as the day progresses. Hard boiled egg is a good choice as it makes you feel full and you will not feel tempted to snack before lunch.

Every time you apply brake while driving, squeeze your derriere, holding it for 10 seconds. You will develop buns of steel.

Snack smart by grabbing an apple. It is packed with fiber and water. So the stomach will feel full and save you a few calories which you would otherwise gain by snacking on cookies.

Whenever you converse over the phone, stand up and pace around. Walk up to a colleague who is seated farthest from you and deliver the daily messages. Take the stairs whenever possible. Carry some weight when you go on grocery shopping or running errands.

Sit in your chair with your back straight and your feet on the floor, squeeze knees together and gently bring them toward your chest. Do it a couple of times. It will strengthen your abdomen.

Start with a clear soup for lunch or dinner. You fill feel fuller and subsequently eat less. After dinner, while still sitting at the table, extend your leg out; slowly bend it up and down. Squeeze and hold in the up position for at least 5 seconds. Repeat with the other leg. It sculpts the quadriceps.

Finally, before you tuck in, lie on your back on the floor with your legs up on the edge of the bed or chair. Slowly bend your knees, lifting your hips off the floor. Hold for five seconds, relax and repeat for a few times. It firms up hamstrings and core.

The above daily health tips will help you burn the calories throughout the day. You may not even realize it until you find yourself stronger, healthier, sharper, leaner, more energetic and feeling years younger in mind, body and spirit.

Medical Health Care

There are many medical health care centers in America and they are in operation in order to provide medication, therapy, counseling and relief to people suffering from various diseases. These centers work to lessen the load that hospitals face. They run under different names and some of them specialize in certain fields. Some of the important medical health centers running in America are blood centers, facilities to conduct x-rays, ECG, EEG, Blood bank, Clinics, Therapists, and the many other centers that have opened up in the name of health.

The centers that are opening up these days are increasing in a rapid pace. Most of the doctors, nurses, therapists and other people of different professions for different medical fields, come from various cultures and countries. With them they bring a whole lot of new ideas and concepts that have never been tried out in America. For example, Chinese doctors have a way of treating you by pricking your body at various strategic points (Acupuncture). These are all proven to be successful medication substitutes after some years of research and the like.

In light of all this, there are many other clinics that are opened, which run bogus claims. One should be very careful while visiting a new doctor. This is essential as you don’t want the doctor to be prescribing you medicines that instead of saving you could kill you. The best way to stay safe is to educate yourself about the disease, condition or sickness that is affecting you. You should know about the various facts and myths that are often associated with most diseases.

Today, there are numerous sites that offer free information to people so that they can know what to do when they have a certain kind of illness. Most people, when they are sick, find it hard to describe to the doctor what the symptoms are. This is very important because a wrong symptom reported can make the doctor change his or her medication plan for you. Always remember this when you are telling the doctor about your symptoms; he is eliminating the possibilities of what sickness could be affecting you.

To find out about the American medical health care centers that are located in your area, you should check the local listing for numbers. If you still don’t find anyone contact your nearest hospital to help you locate a good medical center. They will know names of some of the best centers around to help you with your sickness or condition that you are facing.

Find the Best Long Term Health Care Insurance

How does one find the best long term health care insurance in South Florida? People living in the state of Florida should be aware of the many long term health insurance options that they have. The reason for this is that long term care insurance is becoming very common through the state and in the entire United States, and for this reason it is important to know the various options given to you by an insurance company. You must also know the different types of care that you can receive after being diagnosed with a chronic illness or after you cannot perform two out of the many daily activities. In this article you will find out the long term care health plans in the “Sunshine State” and the many options you have.

Types Of South Florida Long Term Care Health Plans

It is very important to understand that the variety or the extent of what a plan covers varies by company and can also vary by state. For this reason it is very difficult to describe the many plans offered by every single long term care insurance company operating in the state of Florida. We can help you with the two different types of policies that a customer can get when it comes to long term care insurance. Before this however, it is important to mention that you can get long term care insurance at any age and that in the United States people between the ages of 18 and 64 are covered.

1. Non Tax Qualified: This type of long term care insurance is also called NTQ when abbreviated. It was once called “Traditional Long Term Care Insurance because it was the first form of long term care implemented. This type of policy has been in the industry for the past thirty years and it simply includes that for a person to get the benefits specified in the policy, they will need a “medical trigger”. This trigger can only be stated by your own medical doctor or a doctor from the insurance company itself, and from that point on if the trigger is effective you will receive the benefits in the policy. It is important to highlight that the status of the benefits under this plan have not been determined by the United States Treasury Department, which means that you might be at risk for facing a large bill for what the insurance paid.

2. Tax Qualified: Also like the type of policy mentioned above, this policy is usually abbreviated at TQ. It does not need for the person to have a “medical trigger” which makes it much easier for a person to receive benefits. On the other hand the downsides of these plans are that the health plan will have a waiting period (ranging from 30 to 90 days) in which the insured will have to pay for their own medical care. In addition to that a doctor must provide a plan of care and the insured must be unable to perform two out of the many activities of daily living (include dressing, toileting, bathing, eating, transporting, etc). The benefits given to the person under this plan are not taxable!

It is important to highlight that if you work for a place that offers a long term care policy, you must make sure about the company and the language specified in the policy. The reason for this is that many insurance companies that take part in group policies are not regulated by the state and therefore charge more and can raise premiums whenever they feel like it.

Types Of Long Term Care Specified In South Florida Long Term Care Health Plans

As said before policies tend to change from company to company in the state of Florida, as well as in the entire country. It is important to read your policy fully before actually signing it, so that you know what is covered under it and what is not. Like in any other industry, the long term care insurance business offers the customer many different types of long term that can be best for them in the future. It is important to see that the policy covers the type that you want so that you don’t just have to settle for what they give you. The types of long term care found in South FL health care plans will be specified below.

1. Home Care: This is perhaps the most common type of long term care insurance nowadays. This is simply because people don’t want to go around visiting various nursing homes or hospitals and instead they would much rather stay at home enjoying of their own space. Under this category the insurance company usually covers nurses that come to your home and help you out with daily activities. It is important to highlight that some health care plans cover home health aids of personal workers that help you around your home. The average rate in the state of Florida for Home Care is estimated to be between $10 and $16 an hour.

2. Adult Care: This is a new type of long term care option that has emerged for individuals that want to get out of their home, but want to return to it in the same day. They provide senior citizens with programs of social interaction and they usually provide meals five days a week. Some may also have a means of transportation from the person’s home to the care center.

3. Assisted Living: A person should consider this option if they are unable to live at home without help, but they want to remain as independent as possible. In these facilities senior citizens are only helped by staff to take medications on time, bathe, dress and provide any medical care that the person needs. They also have recreation time and provide a great environment for community interaction. In the state of Florida the cost of this type of care ranges from $2,000 to $5,000 a month.

4. Nursing Homes: Perhaps the most expensive of any long term care type, these establishments provide the person with 24 hour nursing care when the person is recovering from an illness of disease. They can also accept patients in the end of their lives and help them out with any medical care that they need. In the state of Florida the cost for a nursing home on average is $206 per day (with Jacksonville at $190 per day, Miami at $236 per day, Orlando at $201 per day, and Tampa at $212 per day).

Tips For Finding A Cheap South Florida Long Term Care Health Plan

There are many things you can do in order to lower your long term care policy quote. The thing that many people don’t understand is that this industry, just like any other insurance business has its ups and downs and that it gives customers a possibility of lowering their coverage. Below you will find three tips that may help you save money on a South Florida long term care health plan:
1. Bundle Insurances: Perhaps this might not be the best option for you, but is can sure save a person a lot of money. Most people that have long term care insurance have some sort of health plan and most Americans have an automobile insurance policy. If you are with a company that offers all three of them do not hesitate to change and put all your insurance needs under a single company. If you do this the company usually rewards you for being a “preferred” customer and you can save up to 10%.

2. Shop Around: The more you shop around and do your homework the easier is going to be to save some money. If you are doing the shopping online, be sure to visit many insurance companies or maybe an insurance comparison website. If on the other hand you are shopping in person make sure you visit three of four companies and get quotes from each them. Shopping around leads to cheaper policies!

3. Look at your Waiting Period: Sometimes you can save a lot of money by expanding your waiting period; however you must only do this if you can afford it. By making your waiting period larger you are taking costs off the insurance company and placing them in your pocket. They will reward you with a good premium.

South Florida Long Term Care Health Plans Vary From Company to Company

As you can assume from the article that you just read, no plan is the same and you should definitely go to insurance companies personally and ask them for their services. If you shop around and are patient however, you can be assured that the best long term care plan for you will be in front of you at no time!