How to Lose Weight Healthily

Losing weight is the main topic occupying the minds of many Americans right now. It is something which many people have not been able to stop thinking about for nearly their entire lives, or for at least several years. The fact is, many Americans are obsessed with loosing weight because of the media images which they are constantly bombarded with. Along with these media images usually come all sorts of diet secrets of the stars. Unfortunately, many of those people are naturally very thin, extremely airbrushed, and starve themselves.

The simple fact, which is also the easiest to forget and overlook, is that without being truly happy with yourself, to matter how think you are, you are not going to be any happier. If you are happy with yourself, and just want to feel better and be healthier, weight loss can be truly gratifying.

Here are some important tips which will help anyone feel better and healthier with the great side-effect of weight loss.

Eat (and enjoy) Breakfast

Breakfast really is the most important meal of the day. Statistics show that those who do not eat breakfast have a higher BMI (body mass index). It is very important to start the day off with some good-quality calories in your system. This way, your body will start off the day being able to have and maintain a high metabolism. Those who do not eat breakfast are only delaying the start of the metabolic process, and this is what makes us able to burn calories and thus lose weight.

Pay Attention to What you Drink

It is easy to leave out drinks when one thinks about the calories consumed for the day. A can of soda has about 150 calories, and many juice drinks which seem healthy can contain even more sugar and thus calories. Also, even diet soda can have adverse effects on weight loss. The ingredient phenylalanine, which is found in most diet sodas, can actually cause your metabolism to freeze so that it can’t increase throughout the day. Weight loss can be stunted also by substituting soda and juices for water. Water, being hydrated, is a major way in which your body can efficiently burn calories.

Start Gradually

Weight loss is something which one thinks about, gets really excited about, makes many plans for, and then gets burnt out after a couple days or weeks of working really hard and seeing little to no results, or just can’t maintain the drastic lifestyle change. It is easy to get excited about weight loss, and good to want to go all out, but it is really important to be realistic. At first, when loosing weight, one has to make small changes. Doing small things like eating just a little less at each meal, cutting back on food items which you know are detrimental, and exercising a small amount more than you were all will greatly increase your chances for success in weight loss. When these small items are conquered, it will be easy to increase to the next level. Weight loss will seem a lot less overwhelming this way, and you will be more likely to follow through with your goals.

Eat Constantly

This might seem crazy, but eating a little bit all throughout the day will actually help you to loose weight. One of the most dangerous things one can do while trying to control weight is to get really hungry. Hunger is the worst enemy of the dieter. Hunger usually equals binging. Also, when you are hungry, not only is your every thought directed towards food, but your metabolism is not performing at its peak. Our bodies cannot burn fat and calories without the metabolism directing the process. People who starve themselves actually gain more weight. This is because when we starve ourselves our bodies freak out. They don’t know when the next meal is coming, so any food you eat at all with be held onto tightly, immediately turned into fat. Eating little healthy meals throughout the day keeps the body ready and able to burn calories.

Eating at home is another healthy option. For a solid choice that tastes wonderful, hop on the craze of sous vide. Check out Sous Vide Wizard, where you can pick up a machine and the best sous vide vacuum sealer.

Losing weight doesn’t have to be the battle of the millennium. These simple steps will prove successful for anyone who commits to them.

Diversity and Health: Understanding Cultural Dynamics Through Healthcare Issues

Diversity plays a major role in fostering a climate of understanding and cooperation. This improved climate is particularly important in the health care arena where competent and compassionate care is essential to the well being of individuals seeking support. Furthermore, an understanding of multicultural beliefs and trends are crucial to the effective application of information and resources to target communities traditionally “let out of the loop” regarding vital information for life saving treatments. The issue of health disparity, particularly among minorities, has become a “hot bed’ controversy with millions of dollars invested in studies to determine root causes and outline possible solutions. Meanwhile, diseases of epidemic proportions, including heart disease, diabetes and cancer, are running rampant in minority communities and their tentacles in the form of obesity and high blood pressure are increasingly impacting our future generation – our children. We need to bring together the effective elements of diversity’s “best practices” with the core dynamics of healthcare outreach to develop and implement a program platform that will not only address these issues, but combat them.

The health care industry is reaching into many new directions with techniques geared towards bridging the gap with medical institutions, government agencies, medical professionals, pharmaceutical and insurance companies, etc. By bringing these entities together with members from the educational and communications/media arenas, we can take the strategies that are geared towards inclusion and initiate programs that are diverse, proactive and address the needs of the target populations so long underrepresented. Research is showing that there continues to be a lag in the area of support services for people of color to provide them with early awareness about critical diseases. In addition, the drop in the number of medical professionals of color who know that market and can meet the needs with compassion. There are many questions on the horizon. What is being done to address this concern? What staffing orientation dynamics are in place for medical professionals of one ethnicity working in districts where other ethnic groups reside in the majority? What messages are Board Members and Hospital Administrators giving in their interactions? What outdated beliefs are they bringing to the table that negatively impact healthcare applications and medical practices? Specific discussions that would address these types of issues should be taking place in community hospitals and major board rooms as the global mosaic continues to evolve.

Diversity in healthcare involves increased awareness about cultural dynamics and societal implications to expand prevention strategies in underserved communities and insure that all people are provided with comprehensive medical treatment.

Healthy Eating and Diet Tips for Children

Children can’t be expected to take responsibility for something as complicated as diet and food. You ask any child if they want fries or turnip it’s obvious what they would select. Bad eating habits in the home so a child’s weight problem is also the parent’s weight problem. Many kids who are overweight and continue to eat junk foods are on the way to developing very serious conditions such as heart disease.

DIET TIPS:

1. Never use food as a time filler:

If your child is throwing a tantrum in the store divert their attention by asking them to help you rather than handing them a bar or potato chips.

2. Breakfast is the most important meal of the day:

Always make your child a breakfast and insist they eat it. Select sugar-free cereals and use honey as a sweetner. Milk and oatcakes with honey are just an example of a healthy breakfast.

3. Never force a child to eat:

Listen to what your child has to say and respect the foods that they dislike but do not give in to their every whim and police their intake of junk foods.

4. Never comfort a child with food:

If you use food as a comforter this starts comfort eating. Everytime your child (or when they grow into adults) are upset or disappointed, they will turn to food as a pacifier. Instead, teach them to do something to feel good about, proud about and comfort eating will never be an issue.

5. Treat Days:

If you have a special day during the week that your child knows they are going to get something special such as biscuits and chocolate then they will look forward to that day.

6. Healthy Packed Lunches:

Great fillers for a healthy packed lunch include fruit, yoghurt, grapes and fruit slices.

7. Never use food as a reward:

If you use food as a reward then your child will automatically think that they deserve a treat. This habit will continue into adulthood and really it achieves nothing.

8. Never Feed In Between Meals:

Snacking in between meals is a definate “no”. You have to train an eating habit into a child and make them recoznize their feeding times. They have to learn to difference between meals and snacking.

9. Healthy Food:

For a main course serve your child boiled potatoes instead of roast potatoes. Fresh veg is an excellent source of nutrition for growing children but never add butter. Poach a child’s egg instead of frying them and beans are a great food source for energy.

10 Junk Food Just Isn’t Worth It:

Teach your child from an early age to look after themselves and teach them eating habits that are healthy. Forget the notion that doing without junk food is a punishment for your child. Just because Katie or Jamie go out for junk food regularly does not mean that your child may do so. The entire family needs to eat healthy means and change eating habits. Junk food leads to all kinds of illness including heart disease.

Overweight children need help to stop harmful eating and parents need to promote healthy eating. Encourage your child to eat healthy, wholesome foods and ensure that they get regular exercise at play. Overall, in this junk-filled nation, it is your responsibility to turn back the tide on obese children in your family. Help them to grow into healthy, fit and confident adults.

Five Easy Ways to Add Soy to Your Diet

Introducing soy products into your diet may seem like a daunting task at first glance, but without breaking your budget or drastically changing your lifestyle you can easily add soy to your family’s meals and snacks. There is no doubt that soy has tremendous health benefits. It is a wonder-plant, rich in protein, fiber, vitamins and minerals. Soy beans are one of the only nutrient sources of isoflavones, a phytochemical that lowers cholesterol, relieves symptoms of menopause, and fights cancer to name just a few benefits. I have enjoyed adding soy foods to my weekly menus and have compiled a list of five easy ways to get you started.

1. Snacks. If you like to snack (and who doesn’t?!), this is one of the easiest areas in which to make some changes and get soy into your diet. There are a variety of soy snack products on the market, including soy nuts, chips, snack bars, and shakes. One of my favorites are soy nuts because I love salty snacks. They come in lip-smacking flavors like honey roasted, asian, or BBQ. Trader Joe’s brand even makes tasty chocolate and yogurt-covered soy nuts.

2. Soy protein powder. I admit, this doesn’t sound in the least bit appetizing. Let me explain. I bought a large can of soy protein powder, fully intending on using it as directed (mix one scoop with soy milk and blend). Awful! I had to get creative. I started using it in smoothies and I was hooked. I love blending frozen bananas, peaches, or strawberries with yogurt, soy milk, or orange juice. Just throw in a scoop of soy protein powder and you have a healthy, delicious breakfast or post-workout drink. I also add a scoop of the stuff when I am baking scones, pancakes, or muffins. This little trick provides the illusion that chocolate chip cookies are actually a health food.

3. Frozen green soy beans. Here is a little soy miracle that I recently discovered. Frozen green soy beans (or edamame) are perfect to use as a substitute for peas, lima beans, or just as an addition to your favorite casserole or soup. Make sure to buy the shelled variety for ease of use.

4. Canned soy beans. I buy these cans in bulk and toss them in with any soup that calls for white or red beans. They are fantastic in chili or bean soups. My vegetarian aunt uses canned soy beans for her homemade baked beans.

5. Tofu. It may be a four-letter word in the midwest where I live, but even my local grocery store now carries a variety of tofu and meat-substitute products. Tofu is a forgiving food as it can be used in almost any recipe and just blend in perfectly. You may not even taste it because it tends to take on the flavors of the spices you cook it in. You can use tofu in addition to the meat you normally use in your recipes, or you can try substituting the meat with tofu (which is even healthier). Tried and true recipes such as lasagna, chili, tacos, stir-fry, even chicken salad are wonderful with tofu instead of meat. Many recipe web sites, such as allrecipes.com, have an abundance of tofu recipes. Hate to cook? Try ordering your favorite Chinese or Thai dish with tofu instead of chicken!

Here is a simple dish I make often: tofu parmigiana. Drag strips of tofu in Italian bread crumbs, fry in canola or olive oil until browned, and bake in your favorite marinara sauce with slices of mozzarella and parmesan cheese on top until cheese is melted. Serve over pasta. It is so easy and delicious!

Don’t be afraid to take small, simple steps to adding soy to your diet. Even if you decide to use just one of these idea, the health benefits are worth it!

How to Take Care of Your Face on a Budget

There are many things you can do to keep your skin healthy and vibrant, many of which are universal to all skin types, which will not break the bank. Here are a few of the major ingredients to beautiful facial skin on a budget:

Do Not Smoke: Absolutely do not smoke cigarettes. Cigarette smoking poisons your skin as it does the rest of your body. It sucks the life out of your skin leaving it dry, tinged, and pasty. It is impossible for a smoker to ever have truly beautiful skin.

Do Not Drink Excessively: A little elbow-bending now and again should not do your skin any permanent damage. However, excessive alcohol use poisons your skin as well as cigarette smoke. Take a close-up look at an end-stage alcoholic some day. Then, ask yourself if you ever want that skin on you face.

Sun: We have all heard much about the connection between the sun and skin cancer. We cannot bake in the sun until our skin rivals that of a crusty lobster and we must use a protective sun block when spending prolonged periods in the bright sunshine. However, sun in moderation is wonderful for your skin. The sun nourishes your skin with necessary vitamins but it is best never to go out into the sun without a moisturizer.

Moisturize: If you have normal or dry skin: Moisturize! Moisturize! Moisturize! This simple, little action cannot be stressed enough. Begin using a moisturizer on your skin in your teens and never stop. Use it up until the day your skin leaves this earth. As long as you are alive, never stop moisturizing. It is the best combatant against future dry lines and wrinkles. It also makes your skin look and feel smoother and healthier right now, today. Moisturizing should be done in two steps: day and night.

Day Crème: Use a soft, light crème for daytime wear. I recommend Burt’s Bees Marshmallow Crème as it is inexpensive, all natural, glides onto your skin and absorbs easily. Absorption is important in a day crème for three reasons: 1. you do not want to have to wait, 2. you want to be able to apply make-up easily, and 3. you do not want a greasy, shiny appearance to your face when you face the world. The main thing is that you use a crème of your choice, everyday, without fail.
Night Crème: A good night crème is much more penetrating than a day crème. I recommend Burt’s Bee’s Evening Primrose Crème. Again, just as in the daytime, be sure to apply the cream every night.

Lumene also offers a nice line of products that can be purchased inexpensively at your local pharmacy or on the Internet.

Facial Cleanser: Never wash your face with bar soap, not even moisturized soap. Use a crème facial cleanser made by the brands mentioned above or a brand of your choice. Wash your face every morning and in the evening to remove make-up. Do not over-wash your face if you have dry skin, even if you are using moisturizer, for you will only exacerbate the problem.

Exfoliate: You may laugh, but one of the best and most inexpensive ways to exfoliate your skin is to use good, old-fashioned baking soda. Wash your face with it once a week and rinse well. Of course, you can purchase an exfoliating crème if you want to waste money. Baking soda is less than $1.00 per box and you will get many applications.

Facial Masque: A facial mask is very important for deep-cleansing of the skin. However, some products may be harsh on sensitive skin. I recommend Queen Helene’s Mint Julep Masque. It really leaves my skin feeling refreshed and renewed without irritation. It also helps with acne and shrinks enlarged pores. All it takes is fifteen minutes and all it costs is $3.79 for an 8 oz. tube. At a masque per week it will last quite a long time.

Facial Massager: At first this may not sound like a budget item. A nice facial massager with brush, sponge and roller attachments costs about $35.00 and a heated massager with attachments, which I highly recommend, costs about $50.00. However, this is a budget item in the long run for it will last for many years to come and do wonders for your skin.

Take good care of your face and it will help you to face the world.

Taking Your Young Child to the Dentist

We took our oldest daughter to her first dentist appointment right after she turned four years old. Most pediatricians recommend a first checkup and cleaning at the age of three, and some doctors are recommending first visits even younger than that. We didn’t really mean to wait until she was four; but a new baby, and a new job that didn’t include dental insurance made it easy to delay that first visit.

I was so proud of my daughter when she had her exam. She was compliant and interested in the process. I wasn’t so excited, however, when we received the results: she had seven cavities and it appeared as though three of them were bad enough to need silver caps.

For those of you who have yet to experience a disappointing first dentist visit, here are some things I’ve learned about children, teeth, and pediatric dentistry since then.

Using a bottle at night causes a condition called “bottle mouth.” Usually the front teeth are discolored or decaying with this condition. Clean your child’s (yes, even your baby’s) teeth before bed at night. Breast milk alone will not cause bottle mouth, but breast milk combined with other sugars left on the teeth will lead to that condition.

Flossing is important. I knew that flossing was important for us as adults; but I was unaware that the American Dental Association recommends flossing your children’s teeth as soon as they have two teeth close enough to touch. And that was the problem with my daughter’s teeth: most of her cavities were between her molars where brushing was not going to help.

Fluoride really helps. You can begin using fluoridated toothpaste as soon as your child learns to spit after brushing. We made this into a fun bathtub game to practice taking a small drink, and spitting it out without swallowing. The incentive to learn this new skill was the promise of pink, bubble-gum-flavored toothpaste with a picture of Disney princesses on the bottle. Most tap water is fluoridated now, but if you and your family drink mostly bottled water, you may want to ask your dentist about other sources of fluoride.

Genes count. If you or your spouse have a history of cavities and other teeth problems, chances are really good that your child will, too. Of course, if you have a sweet tooth, the chances are high that your child has inherited that tendency, and excessive sweets do lead to tooth decay, as well. Other indicators of teeth problems might be thin enamel or teeth that grow really close together.

And while I was still reeling from shame that I had neglected or even somehow caused my daughter’s tooth decay; and while I was still stunned by the sticker shock of fixing the problem teeth, the dentist brought out another piece of paper for me to sign.

This paper listed a number of “behavior management” techniques that I was allowing the dentist and his assistants to use on my child. And I was informed that neither my husband nor I would be allowed in the treatment room. The idea that someone else would be able to hold their hand over my child’s mouth to stop her screaming; or that she might be forcibly restrained by Velcro ties; or that she might be strapped to a board to immobilize her, all without the presence of her parents went completely against our parenting philosophies.

Since then, I have learned that many pediatric dentists do not allow parents in the treatment room. They cite such reasons as the child may look to the parent to rescue him; that the child is more compliant without the presence of the parent; and that crying and screaming bothers the parent worse than the dentist, who is presumably used to it.

We found those reasons unacceptable. A parent should be working in conjunction with the medical or dental professional to gain cooperation from the child. And if any restraining needs to be done, I would want her dad or I to be the one involved, not a stranger.

So it is very important to ask questions of any prospective dentist, including the policy on allowing parents in the treatment room. Don’t ever think just one pediatric dentist is the only choice, no matter how highly your play group moms have recommended this one. I called every pediatric dentist in the phone book, until I found one who actually encouraged parents to cooperate in their child’s dental care in the treatment room.

That didn’t make it easy, though. We had a total of five appointments. One was for X-rays and cleaning. Three were for pulpectomies and caps. If you are unfamiliar with these terms, that’s a good thing.

A pulpectomy is a root canal for baby teeth. It is less extensive than a root canal for adults, but because children’s teeth are so small, in a lot of cavities, the nerve must be deadened before they can fill it. And because children are prone to grinding their teeth, and the small size of children’s teeth make it difficult for large fillings to remain in place, a silver cap is placed over the tooth. This cap, unlike a crown in an adult’s tooth, does not need to be specially fitted. The cap will only be used for a few years until the tooth falls out.

Our last appointment was for one filling. But because of the memory of her previous appointments, this last one was the most difficult in gaining cooperation. Even nitrous oxide doesn’t ensure complete relaxation. So if your dentist offers to do all the work at once under general anesthesia, my advice is to consider it. We didn’t take that opportunity because it would have cost us quite a bit more. But you also don’t want a child who dreads or actively hates going to the dentist. Regular dental visits will be a part of a good health regimen his whole life.

Hidden Dangers of Trans Fats in Women

We have been hearing a lot about trans fats in the news lately. Restaurants in New York and California have all ready been banned from using them. Boston and Chicago are considering the idea of banning them, as well.

If you don’t know what trans fats are, they are substances that are added to thousands of processed foods to make their shelf life longer. They have no nutritional value.

The reason for the ban was because it increased the risk of heart disease. Trans fats can raise bad cholesterol in our bodies.

Now a study done by the American Journal of Clinical Nutrition shows that trans fats pose more of a risk to women, who want to conceive. Their study showed that trans fats could increase a woman’s risk of infertility problems as much as seventy percent.

The study found that women who received at least two percent of their daily calorie intake from trans fats instead of carbohydrates or unsaturated fats were 70 to 100 percent more likely to develop infertility problems? Why? These women were not ovulating as they should.

To get an idea what two percent of one’s diet could be, consider this. If a person who on average eats about 2,000 calories a day, eats one doughnut or one portion of French fries this would equal to about two percent. Yes, it takes that little bit of trans fat to equal two percent of one’s daily calorie intake and it only takes that small amount on a regular basis to effect a woman’s fertility.

How do you know you are eating trans fats? It isn’t always easy to know. According to US law trans fats must be labeled. But then the law goes on to state that food can be labeled trans fat free when they are made up of half a gram of fat.

Now imagine that you are eating items you consider trans fat free, but in actuality have half a gram of trans fat. You eat four of these types of items a day. You have just ate the two percent amount that can effect your fertility level if you are a woman.

Food companies are aware of this loop hole. According to author, Mike Adams, who wrote: POISON IN THE FOOD: HYDROGENATED OILS, they are also taking advantage of this loophole.

As a consumer what can you do? First, watch those ingredients, even if the label reads trans fat free. Next, look for the ingredients Hydrogenated or partially hydrogenated oils. Avoid products that contain either one of these.

Finally, tell your representatives what you think. If you want to ban these trans fats, tell them so. Also ask them help make tighter guidelines for food companies.

Some fear that food won’t taste as good without the trans fats. But the experts say this is not true. The trans fats have nothing to do with taste, just shelf life. And really, do we need to be able to keep food for more than a year? If we haven’t ate it within a month or so, do you think we ever will anyway?

To Tea, or Not to Tea

While all teas have flavonoids and other polyphenols that appear to work as antioxidants and most likely help to neutralize free radicals which damage cells, there are differences you should be aware of. The four types of teas are black, white, oolong (wulong) and green.

So-called “herbal teas” (or Tisane) are not true teas as they do not come from the Camellia Sinesis plant, as the four true teas do. Instead they are derived from dried flowers, stems, leaves or berries of numerous other plants.

By the same token, supermarket teas that come in teabags are the lowest grade of tea because they are made up of fannings, or dust (tiny particles that break off when processed). They do not have much flavor, aroma, or as much beneficial qualities as whole leaf teas.

The main difference in the four types of teas is how they are processed, but there are some differences in health properties and preparation as well. The following is what I know about each type of tea:

Black
Partly dried, crushed, and fermented so the leaves blacken. Due to the longer fermentation there is a weakening of it’s natural cancer-fighting compounds and an increase in the amount of caffeine. However, a cup of black tea still has less than 1/2 the caffeine as a cup of coffee.

Black tea is said to aid in the prevention of cardiovascular disease and stroke. In fact, one cup a day could cut your risk of a heart attack 44%. Black tea should be brought to a full boil. Use it for one brewing only and remove and discard the leaves.

White
Very limited quantities as it is only produced in China and Sri Lanka. The new buds are picked before they open, left to wither, then dried. Due to the minimum amount of processing, white tea is said to exhibit potent disease fighting potential as well as high immune system building properties. In fact, recent studies reveal more antioxidant or cancer fighting benefits than green tea. Some researchers feel this is due to the increased caffeine content.

The water should not be too hot or too hard – some prefer bottled or spring water. Be generous with the tea leaves. The water temperature should be 185 to 190 degrees. White tea is best consumed after a meal.

Oolong (Wulong)
Semi-fermented, Oolong tea falls between the black and green teas as far as processing is concerned. It is best with light, savory meals, spicy foods, fish and poultry.

Oolong tea is said to increase metabolism, aid digestion and weight loss and ease eczema and psoriasis symptoms. It is also best prepared at 185 – 190 degrees.

Green
Green tea is unfermented. The leaves are steamed, dried and heat treated to stop fermentation and oxidation. Due to it’s processing it is said to have 1/2 to 1/3 the caffeine of black tea, although I have seen figures as high as 1/15. Green tea is good with a light savory meal, spicy foods, fish, and strong cheeses.

Green tea has three times the antioxidants of black tea. Numerous cancer studies have been done to show it’s tremendous cancer fighting properties. (Even prostate and skin cancer) Green tea is best when freshly brewed in water just under boiling, remove leaves. You may brew leftover tea with leaves removed over a few times if desired. Allow green tea to steep one to five minutes.

Affordable Health Insurance in Michigan

Yes Affordable Health Insurance in Michigan is available!!!

Health Insurance…do you have it? Health Insurance is one of those types of insurance that everyone needs, but many people go without. Nobody wants to pay for it. Employers don’t want to add the expense to their business and individuals don’t realize that they can find affordable individual health insurance in Michigan. Traditionally employers provided health insurance benefits for their employees. With the current trends of exorbitant premium increases many employers are reducing their benefits or simply not offering health insurance anymore.

People don’t have health insurance for many reasons:

1.Their employers don’t offer it.

2.Small business owners don’t have enough employees to qualify for a group.

3.Self employed people don’t think they can afford it.

4.People just don’t know where to look or they think that individual health insurance is not affordable.

Now I am here to give you an education on how to lower your health insurance premiums without giving up the benefits we use everyday.

First, when you are searching for health insurance, find an insurance broker. A broker is someone who represents many different insurance companies. They have the ability to search the prices of many companies they represent. A captive agent can only sell for one company…the company he/she works for. Another good tip is to find an insurance agent that is local. There are a lot of companies out there that sell health insurance over the phone. Having a local agent that you have seen in person can save you future headaches when it comes to servicing your policy. Your agent is the gatekeeper to the insurance companies. Use them. Any insurance broker that won’t help you after the sale shouldn’t be your agent.

There are ways to decrease your health insurance premiums by increasing your deductible, having a co-insurance. Now wait a minute, before you say “What is the point of having insurance if I can’t use it before I pay a high deductible?”

There are health insurance companies out there that offer really great plans with high deductibles and still offer first dollar coverage for the things we use the most. You can still get office visit co-pays, good prescription plans, yearly physicals, preventative care, and accident benefits. These types of benefits prevent you from having to satisfy your yearly deductible and saving that deductible expense for major healthcare expenses. For example, cancer, heart attacks, strokes.

(You can also increase your coverage by purchasing supplemental plans for these major health conditions. But that is another topic.)

Now the big question…Where can I find affordable health insurance in Michigan. I recommend using a service called Quotes Auction. They help you find health insurance by matching you up with someone who specializes in finding Affordable Health Insurance in Michigan. Keep in mind that when you use any quoting service that you will get phone calls from insurance agents and brokers. Now remember what I said earlier in this article, find yourself an insurance broker. All you have to do is ask if they represent many different companies or just one.

Finding Ways to Reduce Your Health Insurance Costs

Presently people are spending more on their health insurance costs then they are food their food, housing, and living expenses, and even more than the national debt as it stands today. Health insurance costs are rising everywhere we look, from medication, to hospital stays, and even to anesthesiologists. What used to be affordable for people has turned into one of everyone’s main concern when they get sick. In fact, some are choosing to overlook their health problems because of the rising cost and the lack of afford ability of health insurance.

There are some ways that you can try to lower your cost of health insurance while still retaining enough coverage to benefit you if you do get sick or hospitalized.

Take advantage of home delivery service for prescription medication. If someone in your family has a chronic illness or needs regular medication such as asthma, diabetes, or high blood pressure it might be beneficial for you to have it delivered regularly through a service that offers lower prices for regular home delivery.

Use generic prescriptions when you can. Generic drugs save consumers up to $10 million a year at retail pharmacies. They are FDA approved and generally as effective as brand named drugs with a much lower
cost. You may find that paying your deductible for your prescriptions may be higher than a generic form of your prescription.

Know your doctor and have a good relationship with them. Whereas a trip to your doctor can cost only about $300 on average, a trip to the emergency room can be much more expensive. If you have a good relationship with your doctor they can often get you in more quickly if you need to see someone, that way you can avoid the high cost of going to the ER.

Know your policy. It is important to read all the fine print and know what your policy entails. Make sure that you are not charged for something that is supposed to be covered, as this happens quite frequently. When the bills come in from different providers find out if it is covered and send it to your health insurance provider
immediately.

Stop smoking. It may sound like something that may not related to health insurance costs, but it is increasingly becoming one of the major reasons why your health insurance policy may raise their rates or
why your policy in general might be higher. It is considerably higher to have a health insurance policy if you are a smoker. So you should quit not only saving money, but possibly your life. These are all easy and effective ways to save money on your health insurance costs that you can do with little or no effort. You will find that over time you will save a considerable amount of money.