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8 Factors to Consider When Choosing a Health Insurance Company



Health Insurance

About 30% of adults in the U.S. have put off going to the doctor or taking medications they need because of the cost.

This is true for people who have coverage through their employer or through an individual plan with a private health insurance company.

The costs of health insurance and health care in the U.S. have ballooned to the point where it’s out of reach for many. They roll the dice and hope that nothing serious happens to them without health insurance, so they can save money.

Yet, if you don’t have health insurance and something happens, then you have to pay the medical bills. You can avoid that scenario by choosing the right

Keep reading to learn about health insurance and how you can choose the right plan for your needs.

1. Health Insurance Terminology

Only a small percentage of Americans know what to look for in health insurance policies. About 41% of Americans are surprised when they get a high tax bill because they expect insurance to cover it.

They are familiar with basic terms like deductible, premium, out of pocket costs, and network, but don’t understand how they impact coverage. Here are the most important terms that you need to understand.

Deductible: This is the amount of money paid out of your pocket before your insurance company contributes to the expenses.

Premium: The amount of money you pay for health insurance. This is usually paid on a monthly basis.

Co-Pay: The amount of money you pay for doctor’s visits and services once you met the deductible. This is usually a flat rate for office visits and a percentage for other medical services.

You might have a $10 co-pay for a doctor’s visit, $30 co-pay for specialists, and 20% of emergency services and hospital stays.

Co-Insurance: Co-insurance is the same as a co-pay.

Once you understand how these items work together, you can anticipate your health care costs.

2. Your Main Health Insurance Options

How can you get health insurance coverage? That’s the big question for many Americans. Traditionally, employers offer health insurance as part of a benefits package.

With the costs of coverage increasing, that’s less and less likely. Most employers ask employees to share the burden, looking to off-set the costs of insurance.

Another issue with employer-sponsored health insurance is that there are 44 million people who are self-employed. These workers are responsible for their own health insurance.

Since they don’t have an employer, they’ll have to get group coverage through an industry association or individual coverage through the Health Insurance Marketplace.

How Does the ACA Impact Taxes?

Self-employed workers are especially sensitive to taxes. They have an advantage because they get to write-off business expenses to lower their tax bill.

They tend to pay a higher percentage in taxes because they’re responsible for 15.3% in self-employment taxes to cover Medicare and Social Security. They then pay additional income and state taxes depending on how much profit they earn each year.

To add a little bit more confusion to the fire, the ACA has tax implications for people who get coverage through the Healthcare Exchange.

Your health premium subsidies are tax credits that are based on your anticipated income. If your income is higher than you anticipated, then you may have to pay back some of those tax credits. A lower income than you expected could result in a tax refund.

If you do have a significant change in earnings during the year, you should update your application to reflect the changes. Your tax credit amount will be adjusted.

3. Provider Network

Do you have doctors and specialists that you already have a relationship with? You want to make sure these practitioners are in your help insurance company’s network of doctors.

When you visit these practitioners, you’ll pay the in-network co-payments. If your providers are outside of the insurance network, you may have to pay the entire bill out of pocket, or the health insurance company’s out-of-network rates.

Health insurance companies usually have a directory of providers on their websites. Check these thoroughly before you sign up for a plan.

4. PPO vs. HMO

There are two terms that weren’t covered in the first section because they need to be on their own. There are a few different types of health insurance plans. These plans will determine your access to doctors within your network.

An HMO is a network of doctors where you have a primary physician. Anytime there’s an issue, you have to see the primary physician first. You’ll get a referral to see another specialist.

PPOs will cost a little more, but you have more choice as to what provider you want to use. You still need to use in-network providers. You just don’t need a referral for every single thing.

5. List of Benefits

What are the benefits of working with one particular insurance company? Does one insurance plan offer perks like naturopathic care or chiropractic visits?

You may want to lose weight, and some insurance companies will provide access to weight loss services at no charge.

For example, a health insurance company may offer supplemental insurance. These are additional plans that you pay for each month that cover vision and/or dental care.

6. Total Cost of Health Insurance

It’s a costly mistake to only look at the monthly premium and not calculate the total cost of insurance. Let’s say that you choose the insurance plan with the lowest monthly premium.

Low-premium plans have very high deductibles, so you will pay more out of pocket for medical care. This may be fine for someone young and healthy, but not for someone who visits the doctor regularly.

For someone that visits the doctor regularly and is on prescription medication, you need to calculate potential co-pays, prescription costs, and premiums.

7. Pharmaceutical Coverage

Pharmaceutical coverage is important if you already take prescription medication. Not only that but if you have a preferred pharmacy, you need to make sure they take your insurance plan.

Some insurance plans will only cover generic drugs, while others provide more coverage.

8. Life Changes

Do you have any major life plans for the coming year? Do you plan to move, change jobs, or start a family? All of these changes can impact your health insurance.

For example, if you change jobs, you’re likely to change your health insurance plan with it. You’ll need to know what your new health coverage plan is and how it compares to the one you have at the moment.

For couples trying to start a family, your health insurance needs will change. You’ll need to have prenatal care, hospital care for the birth of your child, and coverage for your infant.

If you know that is in your plan during the year, then it’s important to check to see which plans cover childbirth.

The Future of Health Insurance?

The Affordable Care Act was a controversial bill, and it certainly wasn’t perfect. It did, however, get more people covered by health insurance.

It also ensured that all people with health insurance would have access to preventative screenings, and get coverage with pre-existing conditions.

The future of the Affordable Care Act is now in the hands of the U.S. Supreme Court. In the coming week, the Court will hear oral arguments brought by a coalition of some state attorneys general.

They argue that the individual mandate is illegal, and the entire law should be illegal. No one knows for sure what the Court will do.

There is speculation that the entire law could be struck down, which would leave your coverage in place, but the tax credit payments to your insurance company would stop immediately.

Parts of the law could get struck down, or an opinion is handed down that doesn’t change the landscape at all.

Since parts of the Affordable Care Act affect all health care plans, you need to pay attention to what happens in this case. The Supreme Court is expected to decide by the end of the term in June 2021.

Health Insurance and Privacy

Health insurance companies are responsible for guarding your privacy online. They are required by the Health Insurance Portability and Accountability Act, which was introduced in 1996.

This required insurance companies to inform you as to what personal information they kept on file, and how they shared that information.

There are new rules that take effect in 2021 that you should be aware of. You want to choose a health insurance company that is prepared to follow these rule changes.

Choose Wisely: The Best Health Insurance Company Is…

It’s not easy to compare health insurance companies. You need to make sure that you know what your medical needs are now and in the near future.

You can then compare the benefits of different plans, along with the total costs of health care.

Hopefully, you learned how to choose a health insurance company that fits your needs. For more tips to better your health, head over to the Health section.

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What Is Cosmetic Dentistry?



cosmetic dentistry in Eatontown, NJ

Cosmetic dentistry is any dental procedure that improves the quality and appearance of the teeth, gums, or bites. This procedure will often improve your teeth by whitening them, adjusting the position and shape, reducing the size, and aligning them to give your face an appreciable look. When you undergo procedures that will affect your teeth, you should ensure that a qualified dentist is in charge of it. Doing so will assure you of the procedure’s success and that there will be no problem after the procedure. Check out dentists that practice cosmetic dentistry in Eatontown, NJ.

There are two types of cosmetic dentistry, namely, prosthodontics and orthodontics. And they generally involve the addition of a dental material to your gum, the removal of a part of your dental structure, whitening of your teeth, straightening of your teeth, proper alignment, among other things. Let’s check out some of them.

  1. Whitening

This dental procedure is the most common dental procedure among patients. It is safe and boosts a person’s smile and beauty after it. There are different methods of whitening the teeth, including laser whitening. And all of them are very effective. Just discuss with your dentist to arrange the best procedure for you. Proper dental care will boost your confidence. Check out the best dentists in Eatontown, NJ, and pick out a dental center to whiten your teeth.

  • Reshaping

This procedure removes some parts of the enamel, thereby improving the tooth’s appearance. With this method, you can change your tooth’s length and position and correct a chip. However, you cannot replace the enamel again. This method is a better way to reshape your teeth when compared to braces. And that is because it corrects your teeth faster than braces.

  • Bridging

This procedure is used to replace a missing tooth. It can also replace an entire set of teeth. Your dentist will make a bridge of abutments, and they will cement it onto your gums to replace your missing teeth. The procedure can be permanent, fixed, or you can remove them and fix them again. Discuss your options with your dentist.

  • Bonding

This procedure involves the addition of an enamel-like material to your teeth. This material will have the same color, and when your dentist applies it to your dental region, they will arrange and position it to follow the natural alignment of your teeth, then harden and polish it. You cannot tell the difference between your natural enamel and this new material. They are used to replace and repair cracked or decayed teeth.

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Share How to Quit Smoking




Smoking is detrimental to health and you may wonder why you can’t stop something that doesn’t improve your health positively. Well, if you can’t stop smoking it’s mostly because you have become addicted to it and just like any other form of addiction, stopping it is no easy task. Not to worry, I’ll be providing you with practical tips that’ll help you learn how to quit smoking.

What is smoking?

Smoking is an act or habit of inhaling and exhaling smoke commonly from tobacco by sucking the end of a lit pipe, cigarette, or cigar etc. 

What is addiction?

According to MedicalNewsToday, Addiction is an inability to stop using a substance or engaging in a behavior even though it is causing psychological and physical harm.

Smoking and Addiction 

Smoking is not safe for your health, cigarette companies even warn that smokers are liable to die young. So, at what point does smoking become very dangerous? Smoking gets to this point when you smoke not because you want to but because you can’t help it and at that point, it becomes an addiction. 

How to Quit Smoking 

I’ll be introducing to you a few practical steps or activities that will help you stop smoking. This is a crucial point in this article, hence, continue reading to learn how to quit smoking.

  • Hate the Act

Amongst all of the tips, I’ll be introducing to you today, this is one effective method. Before you’ll be able to quit smoking for good you will have to learn to hate the act. This is the first step in stopping the act for good. Once you start hating the act you’ll find yourself gradually declining from the act as each day goes by. 

  • Motivate Yourself 

Most times hating the act is just not enough and in such scenarios, what better way is there to motivate rather than giving yourself a reason to stop the act. The reason could be that your family members are not okay with the act, or you want to prevent them from inhaling second-hand smoke or you just want to turn a new leaf in life. Whatever your reason is, use it to fuel the hate you have developed in indulging in the act.

  • Prepare Yourself 

Now you hate smoking and you have a reason for hating it, the next thing would be to prepare yourself. You might ask, prepare myself how? Well, I’ll tell you, since smoking has turned to addiction, your brain is now hooked on narcotics and when you stay long enough without it you’ll begin to pass experience what is known as withdrawal where you start craving it again and sometimes the hate you developed for the act may not be enough to quench the thirst.

So what should you do? Start preparing yourself for that time, you can start by asking your doctor methods that’ll help, participate or register for a quit-smoking class, go for counselling, meditation, etc.


When smoking becomes an addiction trying to stop smoking is not an easy task but if you carry out the tips provided in this article diligently, you’ll stop smoking in no time. Some may try all the tips above and it may seem like it’s not enough, give it time and if you still require further help then you can try Nicotine Replacement Therapy. This therapy helps in curbing the craving for smoking.

Try and much as possible to avoid triggers. A trigger is anything that’ll make you want to consider smoking again. Hence, until you are convinced that you no longer feel the urge or craving to smoke and you have stopped the act, avoid all possible triggers.

Finally, there have been cases where people stopped smoking by transitioning from smoking to vaping. Are you thinking of making this move? Then you can get the best ejuices at Cloudedvisions.

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How To Properly Brush Your Teeth



When you brush your teeth, you don’t just keep your mouth clean, but the entire body as well. The American Dentist Association is recommending the brushing of your teeth twice every day. Each brushing should last for at least 2 minutes. With proper brushing, you can eliminate plaque and harmful bacteria which could collect between your tongue and teeth, leading to gum diseases. Proper brushing also ensures that your teeth don’t suffer decay, promote a healthier lifestyle and boost your immune system.

What you require to brush your teeth

You need fluoride toothpaste, a toothbrush, floss, and an optional mouthwash. Remember that your toothbrush should be in great condition, and you must replace it once in three or four months. Overuse of a toothbrush could make the bristles frayed; therefore lose their ability to brush properly. You can order high-quality toothbrushes, toothpaste, and other oral health supplies from reputable online suppliers. Fluoride toothpaste that has the approval of a reputable dental association is the best choice for the majority of adults.  With the right quality of fluoride, you complete protection against decay.

Brushing normal teeth

Put some water inside your mouth, and then apply a small amount of fluoride into the toothbrush. Move the brush back and forth, and keep doing this for at least two minutes. Don’t forget to brush your tongue lightly, as this helps to get rid of microparticles and 

Recommendations for children

Children who are three years or younger, and whose first teeth have just been seen above the gum should smear a fluoride toothpaste, which is about the size of a  rice grain. Children between three and six years can use pea-sized fluoride toothpaste. There are a few specialized fluoride-free kinds of toothpaste for kids. This is a fantastic choice for those who are worried that their loved ones can swallow the toothpaste.

Brushing teeth that have braces

 There are a few extra steps that you should take when brushing teeth with braces. 

  • Start by removing any removable part of the braces.
  • Apply a small amount of toothpaste into your toothbrush.
  • Clean around your braces, under the pins, and the wires.
  • Brush the wires, and ensure that they are free of food particles and bacteria.
  • Brush your teeth the normal way, just as you do every day. Brush for about two minutes continuously.
  • Brush your tongue gently.
  • Spit out any saliva and the remaining toothpaste.

Brushing teeth with spacers

Spacers are instruments that dentists install, which creates spaces for braces.  If your teeth have spacers installed, just do it as you would with normal teeth. Move your brush in a forth and back movement, and not up and down. This helps to keep the spacers in their place.


The process is brushing your teeth is straightforward. But if you have braces and other cosmetic dentistry installations, you should exercise caution and ensure that you don’t damage the braces. Pick the recommended brush and toothpaste from the best suppliers of medical and related products.

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How to Lose Weight Even During Lockdown



lose any unhealthy weight

Have you gained unwanted weight while we’ve been on lockdown? Have you been telling yourself that exercising is too tedious and draining? After the onset of COVID 19, many people have found themselves in a lockdown from time to time. Being on lockdown means that you spend most of your time at home, where you can be tempted to eat more and exercise less. 

Now that most health centers and gyms have been closed, it’s a good idea to exercise to maintain mental and physical health and lose any unhealthy weight. Surprisingly, there are some very simple things that you can do to help you lose weight during a lockdown, including:


Ella Rose Corby, an instructor at Rumble Gym, recommends walking as the best way to lose weight during lockdown. Ensure that you walk for at least 20-30 minutes daily. It would help if you tried tilting the pelvis slightly while walking to activate your abdominal muscles and glutes, helping you lose your belly fat.

Try probiotics

It’s very important to care for your gut; the gut has several good bacteria that help digestion, enabling the absorption of nutrients in your body. Probiotics help clear gut inflammations, ensuring that proper digestion takes place, which keeps the pounds away.

Stay Hydrated

Drinking approximately 2 liters of water in a day helps you to minimize your food cravings. You can jazz up plain water with cucumber slices, lemon, or mint to make it more appealing.  At times you may feel hungry when you’re only dehydrated, making you eat more. 

Watch Your Food Portions

A good way to lose weight during lockdown is by watching your portions; eat small portions and more regularly, perhaps eating after 2-3 hours. By doing this, you’ll never get too hungry, which can push you to eat bigger portions. 

Get Up After Every Hour

Setting up an alarm to get up after every hour is another way to lose weight during lockdown. Ensure that you increase your movements throughout the day; do quick exercise routines or walk around the house instead of curling on your couch.

Try High Intensity Interval Training (HIIT)

HIIT is a very enjoyable workout that helps you to lose weight during lockdown, and it’s easy to follow on your own. A simple HIIT workout for approximately 15-20 minutes helps burn calories.

Try Intermittent Fasting (IF)

Intermittent Fasting means going for a prolonged time without food to cut down on calories. For instance, you could have a meal at 8 pm and not eat anything until 1 pm the next day. After a while, you’ll get used to skipping breakfast, helping you to lose some weight. 

Tell Your Friends & Family

Inform your friends and family that you’re trying to lose calories; it holds you accountable, and they’ll avoid giving you calorific grub, which could thwart your weight loss efforts.

Household chores

You may not enjoy cleaning or tidying up your home, but this simple task can do wonders in helping you to lose weight during lockdown. 


If you have been taking dance classes to lose weight, lockdown doesn’t mean you have to stop! Select your favorite playlist or radio station and pull some shapes at home, and lose the extra weight from home!

Engaging in simple activities like cuddling, gardening, or going up and down the stairs will help you lose weight during lockdown.

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Non-surgical hair replacement solutions



Non-surgical hair replacement is a solution for people experiencing hair loss. It’s an option that doesn’t require any surgery and is often called “hair restoration or Man Weave 

Solutions for hair loss usually fall into the following categories: transplants, medications (for example Propecia) and non-surgical replacement products.

Man Weave is one the most popular non-surgical product for hair loss. This is due to its ease of use, affordability and lack of side effects.

When using the traditional method for this kind of procedure you’ll need to take two separate steps: first, apply a topical solution then second apply the hair System with a special applicator.

However, with facial hair integration, there’s no need for this two-step process: you can simply apply an adhesive and then the hair building fiber directly to the skin.

Before we continue with our topic, we’d like to make it clear that we don’t consider non surgical hair replacement products as a permanent solution for male pattern baldness.

However, since applying Men’s hair systems is considered to be very simple and quick, this method can be used as an option before undergoing surgery or during the surgical treatment process (until hair has grown back completely).

Hair restoration: the basics

Before we begin with our topic let’s start by explaining what this hair replacement method is all about.

Hair Systems are toupees used to camouflage hair loss, thinning hair or bald spots. There are are also different types of hair building fibers on the market and they can be divided into two large groups: natural non-synthetic fiber and synthetic fiber.

Natural fibers

Natural fibers are made of animal protein. This means these products will only look natural on someone with the same hair color as the animal they’re made from. For example a blonde can’t use a wolf hair replacement solution since it’ll look too dark and unnatural.

Synthetic fibers

This type of product is usually made out of nylon or polyester. However, there are several different variations of this type of fiber and depending on the material used you can find products that have a very similar appearance to human hair.

Non surgical hair replacement products are becoming increasingly popular for many different reasons. Let’s discuss some of them in further detail right now:

1. No surgery required

While it may seem obvious, non-surgical solutions are an excellent alternative to invasive surgeries that have the potential to cause scarring or side effects.

2. Affordable price

Compared with hair transplants, hair systems are extremely cheap. This is especially important for those who are experiencing hair loss but cannot afford hair transplant surgery.

3. Simple to use 

There’s no you’re using the hair replacement method that uses non surgical hair replacement products. Simply apply

Non-surgical hair replacement is usually much more affordable than traditional hair transplants.

4. Availability

These products are readily available at drugstores, online or even through your doctor’s office.

5. Discreet solution for hair loss

Using hair systems allows people to create the illusion of hair growth on hairless regions which means

hair loss will be less visible.

6. Product for hair thinning

Although hair pieces won’t help hair loss this product is often used to thicken hair in areas where hair was previously very thin or even non-existent.

7. Can use hair replacement method at home 

This makes the hair integration method a practical choice for hair restoration.

8. Unnoticeable hair loss solution 

Unlike hair transplants that leave a hairless scar, the hair replacement method makes hair build-up look natural which means it’ll be unnoticeable to others.

9. Can use hair replacement product as a total hair loss solution 

For those who have only a thin hair line hair replacement can be used in combination hair transplant surgery.

10. Can create hair designs 

People with hair replacements usually have the option of creating their own design so no two systems will look

Hair systems are hair replacement products that can be used to create the illusion of hair growth in hairless or thinning hair regions. These products are very affordable, simple to use and provide an excellent solution for hair loss. There are non-surgical hair solutions for all hair types (from dark hair to blonde hair) and hair replacements are usually undetectable to others. 

This hair replacement system is a hair replacement method that uses hair pieces. You can read all about hair replacement systems and hair loss solutions HERE. 

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