Lack of Health Insurance Reimbursements

Lack of Health Insurance Reimbursements

Individuals who are insured with a particular medical insurance provider seem to forget that the health insurance provider is a business like any other thriving business in their local community. It is obviously true that all providers offer a unique service to the public, but it still remains a business just the same.

There are times when an individual will fill out a health insurance claim form and automatically expect to receive reimbursement as provided for through the terms of their individual health policy. This is not always the way the medical health care issues are executed.

It is very important for individuals to make the time to read their particular medical plan and the attached addendums to gain a full understanding of what they are covered for and what they are not covered. This will help to clear up any future misunderstanding between the health insurance provider and the insured. A few of the causes for non-reimbursement regarding  insurance claims are.

1.    Intentional suicide during the first two years of purchasing an individual medical policy

2.    Death through the act of war because most insurance providers exclude any military action

3.    Deliberate attempt to cause personal bodily harm

4.    All cosmetic surgeries

5.    All treatment procedures for substance abuse because this is considered a deliberate act

6.    Pregnancy and all preventive testing

7.    Dental care unless you have an additional, separate medical insurance policy for dental  care

8.    Vision, hearing, and elective surgeries

9.    Alternative methods of health  treatment such as holistic medicine

The health coverage as a rule must take in more healthy insured as opposed to taking in those individuals who are generally ill or have long-term pre-existing health care issues that require medical care treatment on a regular basis. Currently there are three main issues for …

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Maintain Your Oral Health by Going to the Dentist

Maintain Your Oral Health by Going to the Dentist

Many people really don’t like going to the dentist. This is partly because of fear of pain due to needles. However, to maintain good oral health, going to the dentist is something we must do. If you don’t take care of your teeth, you will likely have serious oral health problems in the future.

Today many of the processed foods we eat are filled with sugar, fructose, and fat. We are also big consumers of carbonated beverages. All of these foods can affect the teeth by damaging the tooth’s enamel and wearing away the tooth. When you go to the dentist every six months, you are taking precautions to assist your gums and teeth to stay in good health. A dentist will thoroughly exam each tooth and your gums to look for such problems as cavities and gum disease. The dentist has sophisticated equipment and tools to thoroughly clean your teeth and remove plaque and tartar which is a big factor in the cause of gum disease and cavities.

If you do not maintain your teeth and have regular visits to the dentist, it’s possible that you will eventually develop cavities, which will have to be treated so that they do not develop into further problems, which could result in an unpleasant treatment called root canal. In addition, cavities that are not treated can cause tooth loss. When teeth are not healthy, infections can develop causing gum disease, which can also cause tooth loss. In addition, infections can enter the bloodstream which makes you sick and can in severe cases even cause heart problems. Scientists in the dental community are examining the genetic relationship between periodontitis and heart disease through Chromosome 9.

The build up of plaque can lead to the development of empty spaces around your teeth. These spaces …

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How to Get Informed About Your Health Care Policy

How to Get Informed About Your Health Care Policy

When we get a policy to pay for required health care, it is important to realize how your insurance works and what responsibilities are needed of you and your insurance carrier but also follow some basic common sense steps.

The policy or benefits book ought to really be kept with other vital finance records, then become familiar with plan rules and follow them. For example, your insurance may need previous permission for surgery or other care, or it may need a referral from your first care doctor to see an expert. It is vital to double take a look at your plans list of participating suppliers to make certain the ones you want are still in-network. Doctors occasionally change networks; regularly updated lists are available on the net. Be informed of cut off dates and techniques. For instance, a referral could be good for just two visits, may expire after thirty days, or may be invalid if faxed.

Keep your physician informed about the policy, too. Your physician and other providers will help you follow insurance techniques. Ask for their assistance in getting referrals or other permission for hospital treatment and selecting among suppliers. Their billing staff might be particularly useful at finding a path through the system. Keep them in the loop and ask for advice when you need it. In my opinion, is a good idea to keep records up to date and all of the care you receive, when, from whom, and why. Also, keep copies of bills, clarification of benefit statements from the insurance supplier, and all the other written correspondence from doctors, surgeries, other suppliers, and insurers.

Call member services whenever you have got a question or problem. Call the insurer immediately for steerage. Attempt to be respectful and calm always even if you happen …

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Healthy Eating Tips Both Outside and Inside Home

Healthy Eating Tips Both Outside and Inside Home

Eating healthy is important to stay hale and hearty and live longer. In today’s fast moving life style it often becomes difficult to maintain strict  often eat outside foods that are not at all healthy. But here are few simple health resources that can help in maintain the nutrition level of the meal even while having outside food.

  • It is better to have lean meat
  • Have considerable amount of salad with low calorie salad dressings
  • It is better to have boiled and grilled dishes instead of fried stiffs
  • Cut down the portion of the meal by sharing the dish or by ordering small portion of the dish
  • Avoid eating everything in the buffet.
  • Stay away from the fillers that are given with drinks or with other food items

It is better to eat something before dinning outside. It will prevent over eating. It is also not necessary to have a complete meal from starters till dessert only because you are dining outside.

These are the simple tips to eat healthy food outside home. It is also equally important to maintain the nutrition level in home made food. Here are few simple tips that can help in preparing healthy food at home.

  • It is important to check the quality of the food item while purchasing
  • Clean and pack food properly before storing
  • It is better to store food items properly in the freezer
  • Try to eat the food items within few days
  • It is also important to maintain the hygiene level while cooking
  • In order to reduce the amount of fat in the food item it is better to use applesauce instead of butter or oil
  • Use non-sticking cooking spray instead of butter to grease pans
  • Have brown rice instead of white rice
  • It is better to have freshly cooked food
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Herbal Granny Knew Best

Herbal Granny Knew Best

I can still remember in horror my grandmother grumbled in her overgrown garden picking these leaves in the leaves, throwing them all into a pot of boiling water and drinking it. Of course at the time I, plus a lot of the other young members of the family, thought she was quite mad and more than a little weird. What we didn’t realise at the time was that Grandmother was saner than any of us and quite the herbalist, and it seems,  quite a brilliant one at that. As much as I rack my brain I can’t remember her suffering from anything so common as the common cold in her entire long life time. Of course, some might say it had nothing to do with her unusual er…habits, she was just one of those lucky few who experience a better health for most of their charmed lives. Of course, I can’t argue with that. However the more I think about it, the more I’m convinced that she knew something I didn’t. She knew I believe, some of the old ways. The ways that somehow tied us to the land for everything that we needed. The land, Mother Nature if you like, sustained us. Not just for our food but also (and doesn’t it make a lot of sense when you think about it), for our health.

Let me explain, I’m not one of those people we want to go back to. For all the grandmother’s wisdom, she still could not cure Rickets, TB, or Polio. Those terrible diseases that almost die will come later when we are wiser and vision is more hygienic. No, what I’m suggesting is a combination of both. A partnering of the knowledge of the past with today’s expertise in science and what have you. Of …

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