Know More About Types of Health Insurance Plans in Florida

Individual, families, groups, and businesses need customized health insurance plans to ensure that they have to spend minimum out-of-the-pocket money for their healthcare needs. With the implementation of healthcare reforms, the options for buying health insurance are widened.With the advent of internet technology, the concept of transparency of price is gaining momentum. Insurers in Florida health insurance are facing a compelling need of price transparency when they offer health insurance quotes to their clients. At the same time, application time and waiting time for health insurance has reduced significantly as compared to earlier times.Types of health insurance plans offered in Florida
Apart from State and Federal governments’ sponsored program including Medicare, Medicaid, etc., there is an option of buying health insurance from private companies. Like many other states, health insurance plans in Florida are offered to the residents in traditional format. These could be classified as:1. Individual health coverage
2. Family health coverage
3. Group insurance
4. Student health coverage
5. Dental health insurance
6. Low cost insurance
7. Low-income families insurance
8. Short-term insurance
9. Small business insuranceCompanies offering health insurance Florida
Below is the list of health insurance companies offering health insurance to the residents of Florida:
• Aetna
• AMS
• Assurant
• Avalon Healthcare
• AvMed Health Plans
• Blue Cross and Blue Shield
• Celtic
• Cigna
• Coventry
• Golden Rule
• Humana One
• IAC
• Solera Dental
• VistaTypes of health plans offered in FloridaA lot of consumer end up having discount coupons, which sometimes are termed as health plans; however, it needs to be understood that these discount coupons are not insurance. To buy affordable health plans in Florida, consumers need to equip themselves with proper knowledge about the same.Traditional categorization of health coverage in Florida offers indemnity and managed care health plans. Indemnity health plans have the insured file claims for reimbursement. While managed care health plans allow the providers to file claims for the insured person.Managed care health plans are further categorized as HMO, PPO, and POS.Impact of the Affordable Care Act on insurance in Florida
• 290,000 small businesses in Florida will be offered tax credits for offering health coverage to their employees.
• Medicare beneficiaries in Florida will be automatically mailed a check of $250 to defray the cost of their prescription drugs.
• Early retirees will be offered reinsurance options.
• Uninsured Floridians with pre-existing condition will have a huge boost with $351 million federal dollars made available to Florida starting July 1 to provide coverage.
• Like many other states, for the first time ever, Florida will have the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.
• 8.8 million Floridians will no longer have to worry about lifetime limits on the coverage.
• Around 1.1 million individuals will not have to worry about getting dropped from coverage when they get sick.
• Children in Florida will be able to stay with their family insurance policy till the age of 26 years.Costs involved in a health coverage plan in FloridaIt is important to understand types of costs involved in a health coverage plan to make sure that Floridians have assessed everything before they finalize a health plan. We talk about the types of costs involved in a health coverage plan:Premium-premium is the amount of money to be paid on monthly basis. Premium is the main cost that a health plan constitutes. It could vary from person to person and in plan to plan. It mainly depends on the age, gender, and health status of a consumer applying to get health coverage.Deductible-deductible is the second major cost involved in a health plan. It is the amount of money that a consumer pays before the insurer actually begins to pay for the coverage. With higher deductibles, premium costs are reduced.Coinsurance – coinsurance, as the name explains itself, is the amount of money that the consumer agrees to pay in percentage of the total cost of medical service after the deductible has been paid. Generally, it is usually 80/20 of the total value where 80% of the cost is paid by the insurance companies while the 20% is by the consumer.Copay – copay is like coinsurance but it is not represented in percentage but in real value. Moreover, there is no consideration of deductibles in copays. Supposing a consumer needs to pay $70 per visit for the doctor: with copay, consumer will be paying $40 and the remaining $30 will be paid by the insurer. However, this copay facility will have some impact on the premium costs.

How and Why Should We Use Natural Skin Care Products

IntroductionThe human skin is the largest organ of the human body. It not only has quite a complex structure, but also performs several life sustaining functions.We can live without a Spleen, Gall Bladder, or an Appendix, and we can survive with only one Kidney or one Lung, but we cannot survive without our skin. As a result it is of the utmost importance that we take care of our skin.Using natural skin care products is a good first step in providing the skin with the right nutrients and building materials to retain its health and functionality.What Does Our Skin Actually Do for Us?Our skin has many functions, most of which we are unaware of until something goes wrong. They include:
Regulation of body temperature;
Protection against the elements;
Sensation;
Excretion;
Immunity;
Blood storage and
Synthesis of Vitamin D.
If you want to read about these functions in more detail you can have a look at this article: “Anatomy & Physiology of the Skin”.In summary, these functions provide us with awareness of our surrounding climatic environment, protect us against some of the bacteria and other potentially harmful bugs in our surroundings, allow us to experience touch and feel, eliminate toxins from our body, store blood, and provide the means for our body to obtain vitamin D while protecting our body from the sun’s UV-rays.Considering these vital functions our skin has to perform, it is no surprise that we need to look after our skin and make sure it is given every opportunity to function properly and remain healthy.Why You Should Choose Natural Skin Care Products?With all the media and news reports warning consumers of the potentially toxic ingredients in many of the commercially available skin care products sold in supermarkets and department stores, this is an easy question to answer.Firstly, many of the commonly used skin care products contain artificial and/or synthetic ingredients that the body has difficulties in eliminating, and as a result it tends to store these chemicals in its tissues. Research has shown that the accumulation of many of these substances can have serious health effects.If you are interested in learning more about some of the toxic chemicals used in skin care products, please read the article ” Potentially Toxic Ingredients In Skin Care Products”. It will provide you with much information and research references for you to be able to identify what is in your skin care products and what should not be there.Holistically natural skin care products do not contain artificial or synthetic ingredients. They should also not contain isolated, concentrated, natural substances, such as parabens (pseudo-natural preservative) and the like, that have been shown to be potentially hazardous.How To Choose Natural Skin Care Products That are Safe and Effective?This is where it starts to get really difficult. You see, many so called natural or organic skin care products are in reality nothing of the kind. Adding a minuscule amount of aloe vera to water does not constitute a holistically natural skin care product. It may be ‘natural’ or even ‘organic’, but it will not be effective and therefore is a waste of your money.To have an effective aloe vera product for example, it requires at least 10% of the overall content to be aloe vera. Or, the aloe vera needs to be combined with several other active, natural ingredients that are combined to achieve a specific result.The term ‘Organic’ is another area where consumers are being misled. Adding a single ‘organic’ ingredient and then calling the products ‘organic’, is quite simply wrong. You see the commercials on television and magazines every day… “xyz product contains organic this and organic that”… but no mention is made of the other ingredients that are contained in these products, many of which have been shown to be hazardous to our health.There is yet another problem with natural skin care products, that is an area of confusion and potentially misleading. Just ask yourself what exactly is “natural”? What is actually meant by the term “natural”?The word ‘natural’ congers up images of nature – pristine environments that make us feel good. A safe, natural environment that is conducive to health and a sense of wellbeing. Spring water, waterfalls, pristine lakes, a healthy salads, Rainforests, etc., are all images that we perceive as ‘natural’, or in other words ‘good for us’.The cosmetic industry has ceased on this and is using the word natural to instil in their advertisements a sense of wellbeing and the idea that this product is good for us. Unfortunately, one or two natural ingredients does not a natural skin care product make… Far from it, natural skin care products should not contain any ingredients that are not naturally sourced. This brings us to another problem with natural skin care products.A naturally sourced ingredient, such as the various forms of paraben, may still be potentially hazardous. Just think about it – would you put arsenic or lead on your skin? No of course you wouldn’t. But, they are natural, so what’s the problem? Natural substances too can also be deadly poisons.Applying this to skin care products, you might be looking for a product that is natural and contains AHAs (alpha hydroxy acids), which we know help to remove dead skin cell layers which in turn helps to remove fine lines and wrinkles, revealing new vibrant skin.Now, you could buy a product that lists as one of its ingredients AHAs, it might even contain AHA in its name, or you could buy a product that contains a concentrate called papain, which is a natural substance from the Papaya fruit. So, yes papain is natural and yes this product could, depending on other ingredients, be called a natural skin care product. However, papain is a concentrate and as such many people have experienced side effects because the papain is present in too high a concentration for some people.A truly, holistically natural skin care product would not contain papain as an extract. Rather it would contain Papaya fruit itself. You see, the whole fruit still contains papain, however, it also contains other ingredients in the papaya that modify the excessively strong effect of the papain. Choosing such a product will, at least to a large extent, reduce any potential side effects from the papain, because the product is naturally balanced and contains naturally balanced ingredients that will benefit your skin rather than burn it.The results of removing fine lines and wrinkles may take a little longer, but are overall better and you reduce the chance of ‘burning’ your skin with a concentrated AHA. Remember AHA stands for alpha hydroxy acid and we all know acids burn our skin.How To Use Natural Skin Care Products?Following directionsThis is actually a lot more important than most people think. Directions for use are a communication by the manufacturer of a product to their consumers about how to use and get the best results from a particular product.It has been our experience, that most people who purchase our natural skin care products do not read the directions and use our products the same way that they have been using their previous brand. This however, may or may not be the correct way to use our products.Properly formulated products contain ingredients in sufficiently high quantities to achieve a desired effect if used in accordance with the product’s directions. Using more does not mean better or quicker results, rather using too much can have adverse effects or no more effect than the lesser quantity.Conversely, if for example, the product’s directions suggest that it be used 2 or 3 times a day using it merely once is not likely to produce the desired effect in most cases.This is obvious when we think about taking medicine. We read the directions and take the drugs, herbs, or what ever, as prescribed and hopefully we get the desired result.So why is it that we do this when it comes to taking medicine, but ignore it (for the most part) when it comes to using skin care products or other personal care products?Reading the instructions carefully and following them ensures that a) you are not wasting your money, and b) you should get the desired results.Good and Bad Reactions from Using Skin or Personal Care ProductsThere are several possible reactions you may experience. There are good reactions and negative reactions. Let’s look at good reactions to begin with.Good Skin Reactions to New ProductsHerbs, essential oils and most of the other ingredients that you’ll find in our range of products have a medicinal actions and are included for a specific purpose, that is, the formulations that make up our various products were originally designed to treat particular skin health issues. This intent, though we do not actively promote this, continues to this day.As you probably know, there are three basic skin types; Normal, Oily and Dry. In addition, your skin may also be sensitive, prone to allergic reactions or under the influence of hormonal changes that are taking place in your body. The herbs and essential oils in our products are specifically chosen to normalize the skin given one of the skin types. The herbs and essential oils will have a therapeutic effect on the skin’s structure and function in order to provide an environment under which your skin will start to function normally again.Similarly this is relevant for sensitive skin that tends to react inappropriately to different stimuli. It is possible, for example, that an individual with sensitive skin who is using our products for the first time, will experience a reaction which they may see as being a negative reaction.This however, may well be totally the opposite to what is actually taking place. You see, in order for your skin’s health to improve, it has to change. This change may appear at first as a worsening of a particular skin issue and this will understandably be interpreted as a negative.Under normal circumstances however, this type of reaction, if the products are continued with, will only last for a few days and following this time the skin will improve and end up much healthier. This process is sometimes referred to as ‘A healing crisis’, and is actually a good thing to happen.
It signifies that the ingredients are doing what they are supposed to, that is they are repairing and normalizing the skin’s functions. This is a normal and in fact good reaction.Bad Skin Reactions to New ProductsObviously there are times when a new product may actually cause a bad skin reaction. Unfortunately a bad reaction often appears very similarly to a good reaction. So how can you tell the difference and what should you do?The first thing to do when ever you purchase a new skin or personal care product is to test it to see if you have any adverse reactions to this product. Below is a detailed outline and links that will provide you with all the information you need to test a new product in order to determine whether or not your skin is going to react adversely to it or not.Test the Products to Avoid Allergic ReactionsAnother important aspect to using any skin care, personal care or cosmetic products, whether they are natural or otherwise, is to test the products first in order to see if you are allergic to any of the ingredients.To do this, follow the steps described in our article “The Skin Patch Test”, which will provide you with a simple, yet effective step-by-step test that you can easily do at home over a 24 hour period, to reasonably ensure that you will not experience major adverse reactions to the ingredients in products you want to use on your face, or anywhere else on your body. This test is simple and very effective.Finally, before you purchase a product, look at the ingredients list and see if the ingredients are easily recognisable. As a rule of Thumb, if the ingredients are easily recognizable it is more likely that the ingredients are of a natural source and have not been excessively modified. If on the other hand you need a chemistry degree to understand what the ingredient is, it is likely not to be a holistically-natural ingredient. It may still be a natural ingredient, but it is likely that it has been isolated and is used in a concentrated, possibly even synthetic form.For the most part, most ‘natural skin care products’ widely available in the market place are far from natural or that matter organic. Most have minimal quantities of some natural ingredient in an otherwise non-natural product and are referring to the one natural ingredient in the product, rather than the nature of the product itself.Hopefully this article will clarify some of the confusion that exists about what is a natural skin care product and what is not, help you to choose natural skin care products that will actually live up to your expectations, and clarify why using natural skin care products is a healthier choice.

5 Expert Insider Steps to Begin Transforming Your Health & Body Today!

While yes, our team is born in a world of intense high athletic goals such as bodybuilding, it is not our goal to support people to become bodybuilders – FAR FROM IT!;-) So you can relax now!! But it IS our goal to share with you why the lessons from our experience of mastering human health & the body, & how developing a bodybuilder “mentality” for your own life can literally skyrocket you into a level of personal health you never thought possible, while showing you the shortcuts in how to get there! Sound good? Heck, it sounds GREAT to us, because we already know how it can CHANGE YOUR LIFE.If you are serious about stepping into your greatness of feeling & looking great, take 3 minutes & glean our insight, because this is the single-most MISSING LINK that we see people repeatedly leaving out of their game plan to great health & why they continue to fail at achieving quality health for their lives.When you have had an experience of taking your mental, emotional & physical self to the level that bodybuilding competition requires, as a coach for others it then allows you to see potential for your clients that they could never envision for themselves without you by their side AND TAKE THEM THERE, and that is the beauty of the gift that we REJOICE in offering others in order to achieve optimal health, energy, & joy for their lives. But to get there…to create a successful transformation of your health & body, you HAVE to begin INSIDE with our 5 MUST-HAVE Steps! Yes, that’s right – the focus begins in the MIND. Time & again we see this process work, and it’s our UNIQUE coaching psychology method that sets us apart, & why we are capable of producing jaw-dropping results with the level of motivational mentality we provide. You can have all the knowledge in the world, but if you fail to develop the DESIRE & MINDSET to IMPLEMENT it, you will never succeed.Want the insider view to our winning approach to learn how to transform your own health & body? We’re here to offer you the scoop because it’s our desire to support you fully to achieve authentic, preventative health from the inside, out in your lifetime. So where do we begin? There is a prolific spiritual author named John Maxwell, maybe you’ve heard of him, maybe you haven’t – but he writes of numerous spiritual topics & speaks on how we create TRUE transformation for our lives. Below we adapt his words for our article today because it’s a brilliant synopsis of just why & how we work with clients to coach them through mastering their personal health, as there are so many levels to the process.When we discuss transformation of the physical body, to be successful we cannot deny that mind, body & spirit are woven tightly together in our being & therefore EACH needs to be considered – not just one. Often people when wanting to conquer health or healing goals immediately BEGIN at the physical, they think weight loss, nutrition, exercise…but that is their first step to failure because they’re joining the race before they’ve even laced their shoes!! When we fail to address mind & spirit in the health process we eventually lose the vision of why we’re addressing the physical in the first place & sadly fall off course when interest wanes, times get tough, or we lose our way because the how-to’s become unclear or appear out of reach. But if we start INSIDE & work OUTWARDS friends, GAME ON!!Our 5 Expert Insider Steps to Transforming Your Health & BodySo these 5 KEY STEPS must be addressed in order to achieve a complete & SUCCESSFUL health & body transformation, and they must also be achieved in order as follows…1. When you change your (health & body) thinking, you change your (health & body) beliefs.If you think what you’ve been taught is healthy by the mainstream media is where your learning stops, then don’t expect to achieve great illness-free, authentic preventative health because they don’t teach proactive health approach, they teach reactive wait til you get sick & then act health approach. Begin to change your thinking to change your belief system about your body and health potential.2. When you change your (health & body) beliefs, you change your (health & body) expectations.Once you begin to expand your thinking, start to also seek out experts in areas of health & body who have shown & continue to show PROVEN ABILITY TO CREATE TRANSFORMATION RESULTS in their own health & body that you would like to emulate. Begin to sponge knowledge from them vs. what mainstream media claims leads to great health results, & you’ll in turn raise the bar on what you expect from your own health. You’ll see your new mentor/s are just ordinary people too like you, who decided to blaze their own health path about the quality of health they wanted to achieve for their life by taking the road less followed for their own health in life, and YOU CAN TOO – if you follow in their footprints.3. When you change your (health & body) expectations, you change your (health & body) attitude.Once your mind becomes opened by experts to your new health possibilities, you’ll have a renewed attitude & confidence about your abilities & empowerment around your personal health & begin to realize that anything you put your MIND to, your BODY can achieve -with the right tools in your toolbox. And THAT is exciting!4. When you change your (health & body) attitude, you change your (health & body) behavior.Now that you come to the table with a revitalized health attitude of possibilities & an arsenal from your health mentor, your entire being & behavior begins to shift because your mentor connects you with your own personal ability to achieve great results for your health, and as that continues to happen over and over, your self-efficacy GROWS & GROWS around your capabilities to manage your own personal health, as you transition into your own personal mini-health-expert!5. When you change your (health & body) behavior, YOU CHANGE YOUR LIFE.Now that you’ve achieved health & body mastery, you will begin to see an entire energetic, mental & emotional shift in your life that FAR EXCEEDS the physical. Yes, you will look & feel great, but the ways optimal health radiate outwards to all facets of your life will be astounding, as you attain a personal joy in life through health that you’ve never experienced before. No pills, no roller coaster of energy, no food cravings, no more blah approach to life, no more hiding from life within your own body,…you emerge a renewed person, ready to take on your full potential in this life.This list is the perfect example of why health coaching with experienced experts not only WORKS, but offers you AMAZING, permanent results you could never envision or achieve on your own. With the support of your coaches seasoned & proven mentality of success in health & body transformation, you develop a similar mindset, outlook & body of knowledge in order to reach external goals of physical health & body success!