Twitter Results For Personal Health
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Wellnessinfo47 (Cornelius) – The Perfect Home Business You & Your Famly’s Health & Wealth Nutritional & Toxin Free Beauty and Personal Care Products http://t.co/ba4QYiH
Youtube Results For Personal Health
3.78 min. | 4.544554 user rating
This is an overview of how to sign up for a free Google Health account. In this video, you will learn how to create a Google Health profile for yourself or family members and import medical records and personal health information from connected providers.
1.90 min. | 4.716814 user rating
Learn how to get data into Google Health on-the-go using integrated devices. Getting wellness data into Google Health is now available through connected partners. Create trackers for weight, cycling, walking or monitoring your weight loss. When you can see your daily results, working towards your goals are easier then ever before.
Yahoo Answers For Personal Health
Question How much/who are the personal health/dental insurance providers?
I’d like to know a bit about personal health insurance, considering most things on the internet are spam from scammers I’d prefer to know what the average person actually does when their job doesn’t offer health insurance. I’m especially interested in dental insurance providers. Thanks for any information you can provide concerning this.
The Best Answer You can easily check your minimal health care rates in internet, for example here – health-quotes.talk4fun.net
Question Who Is Responsible For Our Personal Health Costs?
With the possibility of universal health care which has little to do with health care and has more to artificially support the medical industry, should we be responsible for our own personal health care or should we rely on the government to tax us so that all of us can be taken care of?
The Best Answer Personal responsibility for my own medical care thanks. I don’t want the government to control me, especially when it comes to my health, any more than it does.
Also, the government is inefficient at getting anything done. Think about this, what if you were sick and needed to go to the hospital? If the government ran the place, it would run like the DMV – long lines and nothing gets done.
Health care is not a right, it’s a privilege. If you can pay for it, it’s yours. If you can’t pay for it, go get a job like the rest of us.
7 Things You Should Know About Health Savings Account Plans
Health savings accounts (HSAs) are wildly popular. Since their introduction in 2004, approximately 2.5 million Americans have enrolled in these so-called consumer-driven health plans. But, alas, HSA plans are not for everyone.
Here are some pointers to help you consider whether an HSA will benefit you and your family.
1. An HSA plan can cut healthcare costs by an average of 40% for many people.
Nevertheless, some people will not realize any net savings. Those most likely to realize significant savings are people who pay all of their own health insurance premiums, such as the self-employed, who are relatively healthy with few medical expenses.
2. Health savings plan restores freedom of choice.
An HSA plan puts individual consumers back in control of their own health care. This also means that each individual must be more responsible for his or her own health care decisions. This approach of self-reliance is not always popular with or appropriate for everyone, especially those who have become comfortable with HMO-type “co-pay” plans.
3. Health savings accounts reduce income taxes.
Every dollar contributed into your HSA account is deducted from your taxable income in the same manner as contributions into a traditional IRA account–regardless of whether you spend it or just save it. Interest and investment earnings in a HSA accumulate tax-deferred, just like a traditional IRA. Unlike an IRA, withdrawals are tax-FREE when used to pay qualifying medical expenses. In many situations, new account holders are able to almost fully fund their HSA with money saved on premiums from a prior, higher priced plan. By stashing all or most of those savings into an HSA, the account holder realizes instant, additional savings in the form of reduced taxes.
4. You must have a properly qualified high health insurance policy in place first before
you can open a health savings account. One of the biggest misconceptions about HSA plans is that any insurance policy with a high deductible will qualify the policyholder to establish an HSA account. IRS regulations, however, are quite specific. Not just any policy with a so-called “high deductible” will suffice. It is important to be certain that you are insured under a properly qualified policy. Your best bet is to work with a qualified and duly licensed health insurance broker who is experienced in marketing properly qualified HSA plans.
5. You must be insurable in order to qualify for the HSA-qualified health insurance policy.
Because most people do not have a properly qualified high deductible insurance policy, they will need to switch insurance plans in order to become HSA-eligible. Unless coverage is being offered under small group reform laws (generally groups with 2-49 employees), the new high deductible policy will be individually underwritten by an insurance company. This means that some “pre-existing” conditions may not be fully covered. Alternatively, some companies may opt to cover certain “pre-existing” conditions in exchange for slightly higher premiums. Unfortunately, some health conditions simply render an individual uninsurable (examples: diabetes, chron’s disease, heart attack, etc.). Underwriting requirements vary by state, which is another reason to rely on an experienced health plan broker.
You should not switch to a HSA plan when the management of existing medical expenses is more important than saving up-front medical insurance premiums. Do not change health plans: in the middle of ongoing medical treatments; after a major health issue has been diagnosed; or if any family member is pregnant.
Generally, it is relatively hassle-free to qualify, i.e. no medical exams, etc. Most insurance companies offering HSA coverage will issue based on your application answers, perhaps accompanied by a follow-up telephone interview. In some cases, medical records may be requested, and companies always reserve the right to order a paramed exam.
6. Although HSA insurance premiums are low, they are not always as low as you might expect.
This happens for one main reason. Simply stated, the underlying insurance policy is just that-a health insurance policy. Although it has a “high” deductible, as required by law, the insurance company still must compensate for the risk it is assuming over the deductible amount, which it does by charging premiums. Many companies offer policies with “one deductible” that all family members contribute toward. With those plans, it is not uncommon for premiums for a 5000 family deductible with 100% coverage after the deductible to be comparable to a 2500 “per person” deductible plan with 80/20 coverage after the deductible.
Lower premiums represent just one element of the lower net cost achieved with an HSA plan. The low net cost of an HSA plan is achieved after factoring in the benefits of lower taxes, made possible by the tax-deductible contribution to the HSA account. Thus, if obtaining the lowest possible gross premium is your main concern, you may wish to consider a high deductible, non-HSA policy, especially if you do not see the benefit to contributing to a tax-deductible savings account.
7. An HSA offers your best chance to keep a lid on health insurance rate increases.
Make no mistake-you will have rate increases with your HSA insurance policy. Because an HSA qualified policy is still a health insurance policy at heart, there is no logical reason to presuppose that an HSA policy would be immune to rate increases required by an insurer to keep paying claims and stay in business. But what you can expect is that the actual dollar amount of any future rate increases will be substantially lower compared to traditional health insurance plans (regular PPO and HMO plans). This is true because insurers base increases on percentages, and the same percentage of a lower base premium results in a lower dollar increase. It’s not a perfect solution-but it is the most cost-efficient solution for many qualified people.
C. Dean Richard, JD is a benefits consultant and financial planner with over 25 years experience. His nationwide agency has marketed health savings accounts and their predecessor, the medical savings accounts, since 1999. His familiarity with health savings accounts has earned him the nickname “the HSA king.” Clients of his agency range from white-collared self-employed professionals to spouses of employees who must purchase their own individual health insurance.