The Healthy Bee

We can Help you find the best prices on Insurance!

Health insurance comes in all shapes and sizes. Some health insurance plans are highly customizable while other health insurance plans are not. More expensive medical insurance offers better services, but this does not mean that less expensive medical insurance plans are not as good. There are many affordable health insurance plans that provide excellent coverage options.

What are your Health Insurance Options?

To begin with, it is important to know what your health insurance options really are. Laws regulating health insurance are different in every state, which means that health insurance plans will vary from state to state as much as they do from company to company. For example, health insurance providers in Oregon are not allowed to deny coverage due to pre-existing conditions, while health insurance providers in Pennsylvania can deny coverage, but must offer uniform premiums. - There are three basic components of health insurance:

Premiums are the fees that a customer pays to a health insurance provider for access to their services. The rate of the health insurance premium can be dependent on the health of the insured party, their age and gender, or the amount of the health insurance deductible chosen for a particular health insurance plan.

Deductibles & Co-Pays can Vary!

The deductible is the amount of the health care fees the customer is responsible for before the health insurance provider begins coverage. Health insurance deductibles are determined for an annual period. Having no health insurance deductible, or a very low health insurance deductible will usually result in a higher health insurance premium. Having a high deductible health insurance plan can result in benefits that most other health insurance plans do not afford, such as coverage of services that are not normally covered by health insurance providers.

A copay or coinsurance is the amount of a medical fee that the health insurance customer is responsible for. A copay is a set dollar amount determined for each service by the health insurance provider, while coinsurance is a percentage of the fee that the health insurance customer is responsible for. Copay and coinsurance rates can be higher when the doctor does not have a contract with the health insurance provider.



By: Mark Feldman

About the Author:

The New Year is here and already two weeks has passed you by. You swore to yourself that this year would be different. You even got a gym membership and everything. So, why are you still procrastinating? For most people, it is the thought of sweating away all their time on a treadmill that keeps them from starting. What makes the difference for people who can not seem to get enough exercise to achieve a Heallthy Lifestyle?

In order to lead a healthy lifestyle, you have to have a love for exercise. Or, at least a like for it. If exercise is not in your heart, trick yourself so that it is! You can not move toward your goals without a willingness to do whatever it takes to achieve them…and getting started is the most difficult task to overcome. You may not want to do it, but nine times out of ten when a person just gets going, they want to continue.

Here are 4 proven ways to trick yourself into thinking exercise is something you love.

How To Love Exercise Trick #1: Get The Right Nutrition

How is this going to trick myself, you ask? Well, what happens when you provide your body with the right nutrition? You feel healthier and more energetic. This energy usually calls out to you to hit the gym, or even a simple walk around the block without you even knowing it. When you eat poorly, you feel like sitting on the couch and eating even more junk food.

Proper nutrition for me is a soy-based protein drink every morning along with a cup of hot green tea. This gives me nutrition and energy I need to get me through the day without ever even thinking about taking a nap. What’s even better is that green tea has been known to increase metabolism, so the more I drink the more I shrink. (width wise, not length!)

How To Love Exercise Trick #2: Baby Steps

Ease into exercise. Do not start out with a bang or you will burn out just as fast as you started. Take a laid back approach to exercise at first. Make small goals and achieve them every single day. If you have never been a runner but would like to begin, do not try to run 5 miles a day. Start with a half mile and increase it by a half mile each week.

So many people quit exercising after only a week because they over exert themselves and drain too much energy in too little time. Stretch properly to avoid muscle soreness and by all means drink plenty of water to keep yourself hydrated. This little trick of taking baby steps into an exercise program will allow you to enjoy the journey you are taking to good health.

How To Love Exercise Trick #3: Join A Class

Being around others who want to achieve the same goals as yourself will take the edge off your worries about exercise being too much work and not enough fun. Exercise is what you make of it. If you want it fun, make it fun. Think beyond the treadmill and stationary bicycle, and do not worry about the abilities of others. Focus on improving only yourself.

There are many classes that offer activities other than typical exercise that will give you the same benefits. You do not have to run like a hamster for an hour to get a great workout. Remember dancing? How about karate? Even joining a bowling league is more active that sitting on the couch. Just remember to choose a lane far away from the vending machine!

How To Love Exercise Trick #4: Listen To Music Or Watch TV

If you are the type of person who likes to exercise alone but can not seem to get yourself motivated to do so, purchase an IPOD shuffle and download your favorite music to accompany you. There is no better driving force than keeping yourself entertained while you exercise. Your mind will not be focused on the “work” of your work-out, and you will trick yourself into passing the time enjoying yourself without the boredom of silence.

If you can not tear yourself away from your television set, there is no reason you can not exercise during prime time. Gyms are equipped with TV sets, and they will usually let you choose the station you want. Set yourself up for a half hour of treadmill walking or stationary bike riding. The trick here is that you will be so into your tv show you will probably forget you are exercising.

The more you exercise, the less it will become a chore and the more you will love it. Exercise is the only proven “healthy habit,” meaning that is can become addictive so that you will never want to miss a day without it. In order to lead a healthy lifestyle, you must develop the mindset of a person who thinks this way. For some people it comes naturally. If you are someone who sonsiders exercise too much work and not enough play, follow the steps listed about to trick yourself into changing your way of thinking.



By: William Winch

About the Author: