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Posts Tagged ‘Health’

Types Of Health Insurance Plans

Monday, July 9th, 2012

When individuals approach any health agent for health insurance help, insurance agents suggest four types of policies to them. They are as follows:

Major medical plan:

Major medical plans are those plans in which individuals need to pay deductibles to health coverage companies to obtain benefits. Deductibles are nothing but a part of the amount, which people have to pay while applying for a policy. Later, health insurance firms pay about 80% of medical bills and insurers have to pay the remaining 20% of billed amounts.

Buyers may select any doctors to get medical services and pay fees to these doctors directly. However, they need to obtain a bill and furnish it to the insurance companies, who in turn reimburse 80% of the bill amount to the insured. This type of health insurance plan is a traditional health plan.

HMO plan:

An HMO (Health Maintenance Organization) is a type of health policy that focuses mainly on life long health care of the insured. This plan is more affordable than the major medical plan. People need to select their doctors from a list of doctors furnished by insurance companies. These doctors provide medical services to them. If required, they also co-ordinate with other specialists and hospitals, to provide the best available health service.

As a result, most people across the US prefer this type of health plan.

PPO health plan:

PPO (Preferred Provider Organization) is similar to an HMO plan. Health insurers refer in-network doctors and insured people refer their own out-network doctors. Here, people may choose in-network or out-network doctors as per their wish.

However, if people choose out-network doctors they will have to shell out a huge amount as fee because in-network doctors charge a reasonable amount. Whether insured people choose in-network or out-network doctors, health companies pay only 80 % of the medical bill amount to insured people.

POS Health Plan:

POS (Point of service) health plan has properties of both PPO plan as well as of HMO plan. Here, people need to select the doctors referred by insurance companies. However, people may then seek treatment from out-network doctors after informing and taking permission from their in-network doctors. This plan is slightly more expensive than other health plans.

Thus, refer to this health insurance help and choose the best health plan to cover the medical bills so that the unexpected cost does not hamper the monthly budget..

Take Care Nail for Men

Tuesday, March 20th, 2012

Clean Up

To start with, special attention should be paid to your fingernails. When cleaning your hands, be sure to clean just not the palm and the fingers, but also the fingernails. In most pharmacies and retail stores, you will find nail brush which are not very costly. Buy one and use it to clean the dirt under the fingernails at least once every day.

Keep Nails Short

Of course if you keep your fingernails short, then chances of dirt accumulating under it will be less. But always trim your fingernails with nail clippers and not your teeth. Many men have this habit of tearing off their nails with teeth either consciously or unconsciously. It is not only a bad habit but unhygienic as well because germs in your fingernails then can easily get into your mouth and not to mention jagged and uneven edges! So, as WebMD suggests, use the clipper to clip nails straight across and round off slightly at the edges. Pay a little more time to your nails and smooth any jagged edges with a nail file.

Cuticle Care

The next step of nail care for men is maintaining the cuticles. Cuticles are the soft tissues that surround your nails. After you take your shower or when you have washed your hands, gently push back your cuticles. Remember never to cut them as it can lead to infection.

Take Care Of Hangnails

Often you will find bits of bothersome dry skin around your cuticles. These are called hangnails and you should clip them with cuticle scissors to avoid further problem.

Moisturize

Your hands and nails are in danger of drying up because they are washed frequently and exposed to all the harsh elements. So it is very important, as WebMD suggests that you use a good moisturizing cream, gel or lotion after washing your hands. If you are particular about your products, then there are hand and body lotions for men available in the market; otherwise a good moisturizer is enough for this step of nail care for men.

Buff

If you are meticulous about your looks, then buff your nails to give that polished look and a nail buffer can help you to get that. You will find this product in various types in most retail stores and pharmacies. Instruction of use is generally written on the package which you should follow for best result..