Tips for Healthy Living: Importance of Excersize and Balanced Diet

 

Healthy living is not just living a disease-free life, nor being at the gym most of the time. It is a kind of lifestyle which includes eating the right kind of food at the right time and doing regular exercises. It is a choice a person has to do to make him physically, mentally and spiritually fit.

Healthy living is a choice to live a healthy life. It entails a lot of sacrifice and self-control. For instance, you do the things that you “SHOULD DO” even if you don’t like to do it or you “SHOULD NOT DO IT” even if you really like to do it. More so, it would also mean “EATING” the foods that you don’t like and “NOT EATING” the foods that you really like to eat.

With the rise of technology, “push button” and remote controls has dominated the world. Manpower becomes less efficient while almost everything that man has to do is already done by the machines. Men have become more dependent on the devices, machines and equipment to the extent that he becomes less productive. They no longer exert too much effort to do his work.  They spent most of their time doing online activities.  On the other hand, there are many foods now that can be bought in different food outlets that some people would just buy to save them the burden of cooking and preparing their meals. Combining the two effects, brought about by the rise of technology, has given negative results to some people. Considering that men have become less productive and he spent most of his time in his laptops or computers he forgets to condition his body. He does not exercise, instead he just sit all day in front of his computer or laptop. To make things worse, he never gave any second thought the foods that he ate. He lost track of the so called thing diet”. It’s like adding insult to injury. He becomes prone to all kinds of disease or illness. He becomes a good candidate for high blood pressure, diabetes, heart problems, obesity and other ailments.

Something should be done to help yourself and other people to spare living a miserable life because of being sick. You have the all the option that can help you live a healthy life. What is needed here is to opt to change your lifestyle.

Changing your lifestyle from bad to good or better would also mean dropping all of the negative  and bad pieces of your life and picking up those positive and good pieces that you can still put together to achieve a much better life than before.

If you want to live a healthy life, you have to combine proper diet and regular exercise. You have to indulge yourself with healthy and nutritious foods. After eating the right foods, you also have to sweat it out to condition your body. With this kind of lifestyle you’re sure to stay fit and healthy all the time.

 

 

Group Medical Insurance

Medical insurance pays for the expenses incurred when the insured got sick. A person can avail of an insurance benefits if he opts to be a member of a particular insurance company. If he is self employed, his membership could be voluntary, but if he is employed, he can be a member of the group medical insurance, which his office or the company where he is connected pays for the insurance of their members. Making yourself a member of a reliable and trustworthy insurance is a wise move not only to yourself, but to all the members of your family. After enrolling in an insurance company you automatically become a member of the insurance company and your family becomes your beneficiaries. The group medical insurance is provided by the employer and will cover all the members enrolled in the group in a single policy. A group insurance plan has lower premiums for participants compared to individual plans, yet it has the same benefits to its members.

If you’re working in the United States of America, your employer will pay for your medical/health insurance. In most cases, the employer will get a group medical insurance since the premiums that should be paid for the group insurance is lower compared to the individual plan.

After complying with the requirements needed to apply for a group insurance, the insurance company will give you a health insurance policy which is a contract between the company and the person insured. Before coming up with the health insurance policy, it is important to know the different terms of the health insurance plans like:

  • Premium- amount which the policy holder should pay for the health insurance every month. In most cases the employer’s share is 80% and the employee’s share is only 20%. The amount of the premium will depend on the plan which can either be an individual plan or a family plan.
  • Deductible- is the out of the pocket payment that the policy holder must pay before the health plan pays.
  • Co-payment- is also the out of the pocket payment that the policy holder must pay for the doctor’s services.
  • Co-insurance- the amount that the policy holder should pay over the total amount due. The amount that should be considered represents a certain percentage of the total amount incurred for services received. For example: the policy holder should pay 20% of the amount due after surgery has been performed. The remaining 80% will then be charged to the health plan.
  • Exclusions- The health plan does not cover all services. In the event that the policy holder has received some services which are not covered by the plan, he will have to pay personally for the services he has received.
  • Coverage limits- The health plan coverage has limits, hence, the policy holder is expected to pay any excess charges.
  • Out-of –pocket maximums- after the policy holder have exhausted his personal limit the health plan then pay the other costs.