Finding Ways To Keep Up With Tips

Some Reasons Why It Is Ideal To Join Private Golf Club

There are many sensible reasons to why it is a good idea to join in a private golf club. First of all, if you plan on participating in tournaments either locally or across the country, then you’ll need a legitimate handicap. Handicap in golfing terms is basically the number of strokes that the golfer subtracts from his or her total score for the round. It is a way to level out the field and as an example, a player with handicap of 6 will have to subtract 6 strokes off his/her play score at the end.

You have the option to have a handicap by joining a private golf club. You simply need to submit normally 3 to 5 scorecards of general play, the competition or professional secretary will help you regarding this matter. With this handicap, it lets you to play in competitions that are organized by the club in which you can try to lower the handicap and therefore, become a better player. Aside from handicaps, there are other reasons why joining private clubs are wise move like:

Practice facilities – many of the private golf clubs have their own practice facilities similar to practice greens, driving nets and so on. These are made available for you to use at any given time of the day. So, when you do not have time to play full round, you may just head to the field and practice your skill. Usually, you will find somebody else there to practice with, which is much better than wasting time at driving range with compressed golf balls.

Clubhouse facilities – you are about to get discounted prices at the bar and restaurant compared to other non members. The clubhouse also has a locker room so you could keep your clubs in your private locker, which is something that non members can’t do.

Confidence – if you are a member of a golf club, it actually gives you the desired confidence as you become more familiar with the course. This will help you know what lies ahead after every shot made allowing you to have a better game plan. You can have better understanding whether you can get some hazards and so forth.

Social events – there’s always something socially going on in a private golf club like special golf tournaments, holiday events like New Year and Christmas, you can even find parties hosted at the club venue. The clubhouse can be used as social meeting point for your family and friends whether you believe it or not.

Money saver – compared to guests members, you are going to get more discounts.
Figuring Out Golf
Tips – Getting Started & Next Steps

Health Care Reform Increases Access For The Uninsured In Tennessee

The Patient Protection and Affordable Care Act by President Obama led to numerous changes in the healthcare system. It is bound to impact how health care is delivered not only in Tennessee but in other states as well. The main goal of the health care reform law is to provide access to health care to millions of Americans without health coverage. These changes will affect everybody – whether you have health insurance or not. The health care overhaul presents people with both opportunities and challenges.

The Affordable Care Act Will Continue To Increase Access To Health Care

A team of researchers from the University of Memphis recently conducted an analysis on how the new law would affect Tennessee. The analysis showed that out of the state’s 910,000 uninsured; more than 558,000 under the age of 65 will gain Tennessee health insurance coverage once the health care reform is fully implemented in 2014.

More than half of the 558,000 newly insured will gain health insurance coverage though the expansion of private insurers and the remaining 240,000 will get coverage through expanded Medicaid. In addition, due to the changes in healthcare, more than 90,000 young adults will get healthcare access through their parents’ insurance policies.

Reducing the uninsured rate by more than half via the mandates of the Affordable Care Act would really help thousands of people. We are all aware that Tennessee health insurance premiums are constantly increasing making it harder and harder for people to get financial protection once they get sick. Improving access to healthcare services would lessen the financial burden on the uninsured when they get extremely sick. The fact that people will get coverage would also mean improving their well-being. If people are healthy, then this will increase productivity wherein it would be a win-win situation for everyone.

Due to the enactment of the health care reform law, new Tennessee health insurance plans now provide full coverage for preventive care services with no out-of pocket costs. Even if you haven’t met your plan’s deductible, once you go with in-network providers, 100 percent coverage is offered with no co-payments or co-insurances. This would encourage people to monitor their health condition because early detection would result in lower out-of-pocket health costs.

Challenges Faced By Health Care Reform in Tennessee

As said earlier, healthcare reform presents both opportunities and challenges. One of the challenges that the Affordable Care Act needs to face is that there is still a remaining 352,000 uninsured Tennessee residents who will have to go without Tennessee health insurance. They may have to continually rely on safety-net programs for assistance. As for those who rely on Medicaid, it does not necessarily provide full access to healthcare. Due to lower payment rates, fewer and fewer health care providers accept new Medicaid patients.

The expanded Tennessee health insurance coverage will also place a strain on the already-overburdened primary care network. It has been reported that there is a shortage of primary care physicians because the number of physicians choosing careers in primary care are decreasing. With the expanded coverage, it will necessitate additional primary care providers.

As a whole, healthcare reform by the administration will generally improve access to healthcare for many residents in Tennessee. However, it will require a full effort and commitment to give care to those who will be left behind. New strategies must be devised to meet future challenges when it comes to improving and giving access for health insurance in Tennessee.

Can California Health Insurance Rate Reviews Stop Excessive Rate Hikes?

Last year, California was granted the power to scrutinize proposed health insurance rate increases by insurance companies. Insurance companies planning to increase their plan premiums by more than 10 percent are subject to rate reviews. Excessive premium increases would necessitate insurers to publicly justify the unjust rate hikes.

Despite the implementation of rate reviews, little help is seen by millions of consumers. California health insurance premiums continue to skyrocket making it hard for Californians to afford health care coverage.

Even though California can publicly shame and persuade insurers to prevent proposed increases, it still lacks the power to reject the proposed excessive rates by insurance companies. The state couldn’t even stop Anthem Blue Cross from increasing one of its coverage rates by 16.1 percent even though it was publicly declared that the planned rates were excessive.

Consumers Demand California Health Insurance Rate Regulations

Since 2002, Californians have seen a 153 percent increase in employer health insurance. Because of this, the desire to regulate California health insurance premiums increased more than ever. Consumer groups want regulators to do more than embarrass and persuade. They want to put an end to excessive premium increases. A consumer advocate group even stated that they will begin gathering signatures from people to help set up real rate control.

Even though the Department of Insurance was able to reduce, postpone and withdraw 50 out of the 300 rate changes last year, it’s not enough. According to Deputy Commissioner Janice Rocco, in order to adequately protect consumers, having the authority to reject excessive California health insurance premium increases is necessary. However, there are still ways that consumers can afford health coverage despite increasing premiums.

How Can Consumers Afford California Health Insurance Plans?

If you are living on a tight budget, you might be pondering whether to get health care coverage or not with premiums on the rise. There are still ways to help people afford the health coverage they need.

A high-deductible health plan is an option for people who are in good health. Compared to co-pay plans, high-deductible plans offer lower premiums by as much as 40 to 50 percent. With the passage of the health care reform law, high-deductible plans are appealing more than ever. Preventive care services are 100 percent covered with no out-of-pocket costs even before meeting your deductible. Meaning, annual physical exams and screening procedures for health conditions can be enjoyed without worrying about co-payments, co-insurance and deductibles.

You can use this added free benefit as long as you go with in-network providers. Constantly monitoring your health can help keep money in your pocket. Early detection of illness can significantly decrease your out-of-pocket medical expenses. As we all know, developing a chronic illness is harder to treat resulting in expensive medical bills.

Now is the time to get a California health insurance plan. Once you have a pre-existing condition, insurance companies can charge you higher premiums or even deny you coverage. Without health coverage, you are financially exposed to huge medical bills when illness strikes. Luckily, insurers cannot deny children with pre-existing conditions health coverage due to the Affordable Care Act mandate. As for adults, you need to wait until 2014 when health care reform fully takes its course.

While your health is good, get coverage now to keep rates low. You should also do some comparison shopping every year to get the most affordable health insurance rates from insurance companies in your area.

Health Insurance For Truck Drivers And Other Health Care Options

It is vitally important that commercial truck drivers have some type of medical care plan due to the high rate of illnesses and injuries that they sustain. Most commercial truck drivers health is not the best and could be improved through better food choices. Typically, many truckers diets consist of far too many unhealthy food choices. High blood pressure, diabetes and obesity are a few of the conditions which require regular medical treatment. Accidents, injuries, heart attacks and strokes are some of the serious conditions which would require drivers to seek emergency room care. Health Insurance for truck drivers would cover these conditions and many more. Health insurance plans differentiate based on whether they provide regular health insurance or major medical health insurance.

Regular health insurance covers basic routine procedures. This includes regular exams and routine illnesses. This also includes colds, flu shots, vaccinations, ear infections, minor injuries, etc. It does not include coverage for serious health problems.

Major medical health insurance is for serious health concerns. This covers serious illnesses such as cancer, heart disease, strokes, accidents, etc. No one can ever predict when a medical emergency will occur as one could occur anywhere, and anytime to anyone. Serious medical problems such as these are very expensive and could financially devastate those who don’t have insurance coverage.

Major medical plans are often sold in combination with a comprehensive health plan that covers preventive care. One can be used to cover basic health care expenses such as routine doctor visits such as infections, colds, flu, minor injuries, etc. The other can be used to cover expensive emergency room visits and the treatment of serious diseases and long-term illnesses.

Many commercial truck drivers, especially independent operators don’t have any health insurance plan. Fortunately, a new plan offered by the Owner Operator Independent Drivers Association (OOIDA) can help by offering a basic health care plan. OOIDA is a company which fights for the rights of all professional truckers. OOIDA has introduced a plan called “My Community Care.” This is not an insurance plan but rather a membership program which provides medical care for injuries or illnesses as well as preventive health and wellness services. This plan does not cover life-threatening conditions or serious injuries. This health plan is available to truck drivers and their families.

This is a membership based program so interested drivers must join OOIDA and can do so for a very nominal fee. New members have 60 days from the effective date of their membership to enroll in the “My Community Care” Program. The open enrollment for the “My Community Care” program for current members has been extended until May 31, 2012. The cost for this program is $89.00 per month. That is your only cost for most services. All visits to the center for you and your family are provided at no additional cost. Infants are eligible once they reach six months of age. Adult children are covered through the age of 26. There are no exclusions for pre-existing conditions. There are no deductibles or co-pays at the direct health care centers. This is certainly a very affordable option for many drivers.

Services provided include illness, injuries, preventive care, general care and urgent care. The wide range of services offered include vaccinations, colds, flu, sprains, back pain, urinary tract infections, minor burns, sinus infections, bronchitis and annual work, school, sports and DOT physicals. Additional services offered are x-ray and imaging services. Limited lab work is provided at no cost.

OOIDA has contracted with over 1,300 direct health care centers throughout the United States to provide this service. One of the participating centers is Concentra Medical Center. Many truck drivers are already familiar with Concentra because it is a place where many of them obtain medical services and get their DOT physical. Services at these direct health care centers are available at no additional cost. A nationwide network of over 17,000 providers has been contracted for additional services such chiropractic and physical therapy. These services are available to members at a 25% to 30% discount. Discounts are available on eyewear including contact lenses, prescription drugs, dental care and diabetic care supplies. Discounts are also available for MRI and CT scans. Additional services include a 24 hour nurse-doctors hotline. Not all services are available at all locations.

All commercial truck drivers that are OOIDA members are eligible to sign up for this program. Many uninsured drivers and their families have postponed or gone without basic medical care even when ill due to a shortage of funds. With this plan all of them could obtain basic health care when needed. Truck drivers health should improve with regular access to health care. Although, this is not an insurance program it is a program which drivers can access and have peace of mind knowing that they and their families can get basic health care at a very nominal cost.

Better Health Today

BETTER HEALTH TODAY

What Actually Is Health?

What Does Good Health Mean?

The Old English word for ‘health’ was simply hale, meaning ‘wholeness’ or being whole, sound, or well.

A more modern definition created by the World Health Organization says that… “health is a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity.”

More recently the definition presented by the WHO states that health is not a: “state of complete physical, mental and social well-being: Nor is it “merely the absence of disease or infirmity.”

To fully understand Health and the definitions of Health in our present age one must introduce an era embracing new understanding of disease at the molecular, individual, and societal level. Today, most people recognize Health can be divided into two broad aspects: Physical Health and Mental Health.

PHYSICAL HEALTH

Physical Health or physical well-being simply means good body health which is healthy because of regular physical activity (exercise), good nutrition, and adequate rest.

Physical Health or physical well-being is something a person can achieve by developing components of a health-related lifestyle. This type of fitness would

Include: cardiorespiratory endurance, muscular strength, flexibility and body composition.

Other components of physical well-being may include proper nutrition, body weight management, abstaining from drug use, avoiding alcohol abuse, responsible sexual behavior, and getting the proper amount of sleep.

MENTAL HEALTH

Mental health includes a person’s cognitive and emotional well-being. A person who does not enjoy good mental health usually has some sort of mental disorder.

Again according to the WHO, mental health is “a state of well-being in which the:

individual realizes his or her own abilities;
can cope with the normal stresses of life;
can work productively and fruitfully; and
Is able to make a contribution to their community.”

Unfortunately, measuring mental health has been a very subjective assessment. Often times it has been easier to tell what mental illness is, rather than mental health.

Most of us agree that mental health again refers to the “absence of mental illness.” Unfortunately that measurement varies greatly from individual to individual.

In reality mental health includes:

the ability to enjoy life;
the ability to bounce back from adversity;
the ability to achieve balance or moderation;
the ability to be flexible and adapt;
the ability to feel safe and secure; and
the ability to make the best of whatever you have.

Quite naturally each individual must personally learn the attributes of good health. You can go through life learning them the hard way or you can seek out advice or information that helps you develop a course of action. Developing a course of action seems like the BEST WAY.

Fight Rising Texas Health Insurance Costs

In a statement made by Texas State Representative John Smittee, “You look at the cost of health care in general and it’s increasing faster than the cost of living.” According to a Commonwealth Fund report, we have seen individual Texas health insurance premiums increase by almost 50 percent in the past eight years. The rise in family and group Texas health insurance plan premiums was even greater. A 2011 survey conducted by the Kaiser Family Foundation found that the cost of giving health benefits to employees increased by 118 percent for large firms and 103 percent for small firms in the past 10 years.

Health Savings Accounts Made Available To Texans

Under the “IRC Section 223” or state “Qualifying High Deductible Health Plan,” certain high-deductible Texas insurance plans are allowed to pair with a Health Savings Account or HSA. Health Savings Accounts started back in 2004. Since then, there had been an influx in people enrolling in HSA plans. Health Savings Accounts are available to Texans who buy their own TX health insurance plan, who are self-employed or who have employer-provided HSA plans.

In a study by United Benefit Advisors it showed that HSA-qualified plans have fewer and lower rate hikes as well as lower premiums compared to traditional health care plans. The rate of HSA premium increases is one third to one half that of what traditional plans has been. Results showed that the cost of HSA plans had only risen by an average of 3.4 percent while premiums for all plans combined increased an average of 9.6 percent in 2005 alone.

Between 2004 and 2005, Health Savings Account plan premiums increased by an average of 2.8 percent while the combined cost of Texas health plans rose by 7.3 percent as affirmed by a survey released by the Deloitte Center for Health Solutions.

Employers And Employees Can Both Benefit From A Health Savings Account

Since Health Savings Accounts started, many employers have realized that switching from group coverage to Health Savings Account plans offered in the individual market increases their savings that permit them to fund an HSA for every employee. Thanks to the new health care reform law, HSA plans now cover preventive health care from in-network providers with no out-of-pocket costs. This is even before the policyholder meets their deductible. If the medical expenses are not covered by their health insurance plan, employees can withdraw HSA money tax-free to pay for qualified medical expenses.

How Can Health Reimbursement Arrangements Help?

Health Savings Accounts and Health Reimbursement Arrangements (HRA) can be used together. However, their use must not overlap each other. For example, you are not allowed to reimburse medical expenses that are meant to go toward the deductible of the HSA-qualified Texas health insurance. The main purpose of HRA plans is to reimburse workers for health care costs not covered by health plans as well as health insurance premiums. HRAs offer flexibility to employers because they can control the healthcare benefits of their workers without compromising the healthcare they receive.