The Healthy Bee

With all the health insurance options that are available today you might be wondering which company is right for me. Most of us purchase health insurance based on impulse. We look at the next TV ad or some mailer that we got. The reason I can say that is because I’ve been in health insurance industry as insurance broker for over a decade. I will share with you things you should look for when shopping for health insurance. Also I will share with you a company which offers best options you can possibly get in health insurance coverage.

The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well…. Maybe. Let ask our self’s on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do.

There is more to health insurance plans and companies than you ever thought. Let me ask you this question… If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial.

The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this “Our Health Plan is Based on Yours”. Why Assurant Health is so much better that anything that is available on health insurance market today.

Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. I’ve been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article.

Options that Assurant Plans Include that your plan does not.

Worldwide coverage, 24 hours a day.

It doesn’t matter whether you’re nearby or

Far from home-you’re covered.

Initial rate guarantees-up to 36 months available.

You’ll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month!

Lifetime benefit maximum options up to $8 million

You choose the amount of protection you want.

Your choice of doctors and hospitals

You’ll have access to some of the largest and best preferred provider (PPO) networks in the nation.

No referrals necessary to see a specialist

You don’t have to jump through hoops when you need a specialist’s care-simply make an appointment.

Single deductible for accidents.

In the event there’s an accident involving more than one person in your family you’ll pay only one deductible.

No limit on Intensive Care Unit (ICU)

With no daily dollar limit when confined in an ICU, you’ll have the peace of mind you need at a critical time.

Healthy Discount

Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates.

Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans visit http://www.AssurantHealthCoverage.com



By: Dennis Alexander

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Although there are no hard and fast rules about setting workout routines schedules, a carefully planned schedule will allow you to get more out of your workout routine in the long run. For one, a schedule gives your muscles a rhythm for healing and building, allowing you to be in the best condition for the next workout. Also, sticking to a schedule helps make exercise a natural feature of your lifestyle rather than just a random or “seasonal” activity. It helps to remember that a workout routine does not necessarily involve a gym. You can go for outdoor activities that you enjoy or choose from the many excellent ways to workout at home, even without fancy equipment.

Workout routines schedules usually fall into two categories: daily workout schedules

and 3day workout routines. Based on these two, there are three general workout routines schedules you can follow or modify depending on your goals.

Schedule 1: Work out 3 days a week, preferably with a rest day in between each session. This could mean Mondays, Wednesdays, and Fridays, with the weekends off as well.

Schedule 2: If you have been exercising regularly for some time, you may do a daily routine focusing on one muscle group per day, rest on the fourth day, and then begin another 3-day cycle.

Schedule 3: Work out daily, alternating between cardio exercises and strength-training.

Many people like to focus their 3day workout routine around one outdoor activity like biking or swimming, and this is a great way to have fun while exercising. The trouble is that the former takes care of only the lower body, while the latter focuses mainly on the upper body. The best way to get a total-body workout is to do a different activity or routine focusing on one muscle group per day. Some people like to work out all muscle groups for each day. If you want to go for this type of routine, three sets of 15 reps per muscle group is recommended. If you are a beginner, however, this might prove too tiring—perhaps even dangerous to those coming from a sedentary lifestyle. To be safe, do week one with one set per muscle group, and move on to weeks two and three with two sets of each. By the end of the fourth week, you should be able to do three sets of each with little difficulty.

Needless to say, you will find many variations of workout routines schedules. Whichever you choose, keep in mind that it is reasonable to allow a full month for your body to get used to a new routine, especially if you are a beginner. The important thing here is to ease the body into a routine that would best help achieve your goals. There is no sense rushing the body, only to end up burnt out or injured before you have made any progress.



By: Jeff Anderson

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To lots of people, summer means hanging out at the pool or the beach, soaking up rays and baking in the sun in pursuit of the perfect golden tan. Indeed, most Americans, including up to 80% of people under age 25, think they look better with a tan.

Tanning saloons and tanning beds are everywhere! Are they safe? Yes! When used as directed, tanning salons and tanning beds provide the best and safest place in the entire world to tan! Timers provide control to measure the dose. It is overexposure, or sunburn that might be cause for any of the negative things you read about sunlight and health.

Taking care of your skin may seem to take a lot of effort. But you only have one skin. You spend money on it so that it will have a perfect tan. But you must also invest in skin care products to protect your skin from the aging process caused by tanning and to keep your skin health and younger looking.

Staying out of the sun altogether may see to be the only logical answer. But who wants to live like a hermit? The key is to enjoy the sun sensibly, finding a balance between sun protection and those great summer activities like beach volleyball and swimming.

Buying good quality tanning lotion and other tanning supplies will help you get a gorgeous tan that is sure to be the envy of many. Always remember that the healthier your skin, the better your tan is likely to be. Moisturizers such as Hempz Shea Body Butter, New Body Invest Moisturizers and Hempz Moisturizers offer your skin much-needed protection when you are on a beach vacation

Skin care products are made up of cleansers, masks, toners, moisturizers, and sun blocks. The cleansers, which come as creams and gels, deeply clean the skin.

The masks, which are also known as mud packs or exfoliants, peel off old skin. The toners, which should be non-stringent, remove stubborn dirt lodged in the pores. The moisturizers return the protective skin oils. Moisturizers should be different for various types of skins. And the sun blocks shield the skin from the damaging radiation from the sun or tanning bulbs. Then, there are also specialty skin care products such as eye creams that are meant to lessen facial lines, and lip protectors (for lips are special skin) that are used to prevent the lips from chapping due to freezing or scorching temperatures.

Nivea is one of the foremost brands in skin care products worldwide. The Nivea Face Moisturising Sun Block Cream is included in its products lines of face moisturizers and sun protection. This product contains Jojoba oil and Vitamin E, ingredients that are known to be beneficial to the skin. You can check out this product on the Internet. You can also see some reviews of the product which have favorable ratings.

Solbar is one of the products of sun block cream that has the highest number of sun protection factor. The Solbar Zinc Sun Protection Cream that can be found in some online shopping sites has been known to have SPF 38 as shown on its label. This skin care product contains zinc oxide, an opaque compound that can block ultraviolet rays A and B but can produce white out to the skin when applied. However, in Solbar Zinc, the zinc oxide is not visible when it is massaged onto the human skin. Though invisible, the compund cannot be penetrated into the skin.



By: Peter sams

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