An older, white-haired man walked into a jewellery store one Friday evening
with a beautiful young girl at his side.

He told the jeweller he was looking for a special ring for his girlfriend.
The jeweller looked through his stock, brought out a $5,000 ring and showed
it to him.

The old man said: “I don’t think you understand, I want something special.”

The jeweller then went through his special stock and brought another ring over.
“Here’s a stunning ring at only $40,000.”

The young lady’s eyes sparkled and her whole body trembled with excitement.
The old man, seeing this, said: “We’ll take it.”

The jeweller asked how payment would be made and the old man said by cheque.

I know you need to make sure my cheque is good, so I’ll write it now and you
can call the bank on Monday to verify the funds and I’ll pick the ring up
on Monday afternoon.” he said.

Monday morning came and a very angry jeweller phoned the old man.
“There’s no money in that account,” he said.

“I know,” said the old m,an. “But can you imagine the weekend I had?”

Medical specialists can be a godsend, especially in particular medical emergencies. Imagine knowing that a specialist could provide exceptional care for your particular medical condition. Now imagine that your insurance carrier does not allow you to see any specialists outside of their approved list. Would you be upset? I certainly would be. This very same situation happens to people everyday who tried to cut corners on their insurance premiums in order to save a measly 10-15%. When they finally need to file for a major health condition, they are stuck visiting doctors who must be on the carriers “approved” list.

If your current health insurance provider severely limits your decision-making ability when it comes to seeing a specialist or even family doctors you might prefer over others, you should purchase an additional Major Medical policy that allows you the freedom to go wherever you wish. If you ever encounter the above described scenario and you are not happy with the “approved” doctors you are referred to, simply go see the doctor of your choice since you are covered under the additional policy. To offset the cost of purchasing an additional policy for this unique situation, you can choose a much higher deductible on the second policy.

Do you travel a lot? Do you live in different states or perhaps different countries at different times of the year? If so, you should make sure your insurance policy covers you wherever you are. If your policy does not cover you for worldwide, non-emergency medical attention, you can purchase an additional policy that will. If it is expensive, choose a higher deductible. And should you decide to purchase an additional policy for travel or international living, purchase your policy limits accordingly to the amount of time you intend to stay at each location.

The last thing to consider when choosing a health insurance policy is whether or not the insurance provider has paperless claim submission. Although a minor detail, paperless claims can provide you with significant convenience after you experience extensive medical attention. Consider it the icing on the cake for a good insurance policy. After all, who wants to spend hours and hours filling out paperwork to file a claim? If you’ve just experienced major medical attention such as a surgical procedure, filing out paperwork is the last thing you want to worry about.

If you are married and you provide health insurance for the both of you through your employer, there’s no need to purchase additional health insurance for your spouse unless its coverage falls outside of your current policy limits. “Double coverage” is a waste of money since you cannot collect twice on the same claim. This recommendation does not applyto a Major Medical policy if purchased to extend coverage or allow for greater flexibility as mentioned elsewhere in this article.

Choosing insurance coverage for your children should be based on the criteria mentioned earlier in this article and not by cost of coverage. When it comes to your children, don’t cut corners on health insurance unless you simply cannot afford it. If both parents can provide it through their respective employer, choose the insurance policy that allows for the most flexibility on the areas listed above, and then use cost as a final determining factor if you need to.

Health insurance typically comes in two forms: individual or family, and family could be a single parent with one child or a married couple with ten children. The insurance companies do not further define the definition of family other than a minimum of two individuals. As a single parent or a small family, this means you are paying premiums equal to a large family. The simple solution for a single parent is to take the policy provided by their employer but for a single individual. Since your employer is paying part of the cost, this should be on the “less expensive” side of health insurance coverage. When it comes to your children’s health insurance, purchase an individual policy for each child. Again , don’t cut corners when it comes toyour children’s health insurance. Choose a policy that affords the greatest flexibility in the areas mentioned throughout this article while still being affordable cost-wise.

About The Author, Christian Rios

For health insurance quotes, please visit: buy cheap healthinsurance online quote, instantindividual health insurance quotes, and onlineindividual health insurance quote.

Get your membership before it’s too late…

Dear Friend,

I want to share some information which might be interesting for you. I just found out about
a new service which seems to be rather powerful. It is called RSS Ground:

JUST DO IT OK!

It offers a number of great RSS tools such as RSS Generators, Feed To Converter with
implemented feed reader and Templates Generator.

RSS Generators can produce RSS feeds out of more the 50 online sources. Among them are
Amazon, ClickBank and eBay Feeds Generators with the option of implementing your affiliate
ID in them.

JUST DO IT OK!

It is a very powerful and stable service for a fair price. They is also an affiliate program available
to members. So it is even possible to use the service for free as a result.

By becoming a member you will also get access to their exclusive library of Internet Marketing
materials, most with Private Label rights –eBooks, scripts, software, video and audio interviews,
membership websites, articles, keywords lists and members only forum. The library is updated
very frequently.

It is very advanced, easy to use service with powerful tools and great resources. They might
stop accepting new memberships any time so don’t wait to check it out. I highly recommend it.

JUST DO IT OK!

Best regards,
—Webmaster VeryGoodTips.com—

10 Essential Health Tips
(The Basics to Practice Every Day)

“He who has health has hope, and he who has hope has everything.” -Arabian Proverb

1. Move More
Make it a daily challenge to find ways to move your body. Climb stairs if given a choice between that and escalators or elevators. Walk your dog; chase your kids; toss balls with friends, mow the lawn. Anything that moves your limbs is not only a fitness tool, it’s a stress buster. Think ‘move’ in small increments of time. It doesn’t have to be an hour in the gym or a 45-minute aerobic dance class or tai chi or kickboxing. But that’s great when you’re up to it. Meanwhile, move more. Thought for the day: Cha, Cha, Cha…. Then do it!

2. Cut Fat
Avoid the obvious such as fried foods, burgers and other fatty meats (i.e. pork, bacon, ham, salami, ribs and sausage). Dairy products such as cheese, cottage cheese, milk and cream should be eaten in low fat versions. Nuts and sandwich meats, mayonnaise, margarine, butter and sauces should be eaten in limited amounts. Most are available in lower fat versions such as substitute butter, fat free cheeses and mayonnaise. Thought for the day: Lean, mean, fat-burning machine…. Then be one!

3. Quit Smoking
The jury is definitely in on this verdict. Ever since 1960 when the Surgeon General announced that smoking was harmful to your health, Americans have been reducing their use of tobacco products that kill. Just recently, we’ve seen a surge in smoking in adolescents and teens. Could it be the Hollywood influence? It seems the stars in every movie of late smoke cigarettes. Beware. Warn your children of the false romance or ‘tough guy’ stance of Hollywood smokers. Thought for the day: Give up just one cigarette…. the next one.

4. Reduce Stress
Easier said than done, stress busters come in many forms. Some techniques recommended by experts are to think positive thoughts. Spend 30 minutes a day doing something you like. (i.e.,Soak in a hot tub; walk on the beach or in a park; read a good book; visit a friend; play with your dog; listen to soothing music; watch a funny movie. Get a massage, a facial or a haircut. Meditate. Count to ten before losing your temper or getting aggravated. Avoid difficult people when possible. Thought for the day: When seeing red, think pink clouds….then float on them.

5. Protect Yourself from Pollution
If you can’t live in a smog-free environment, at least avoid smoke-filled rooms, high traffic areas, breathing in highway fumes and exercising near busy thoroughfares. Exercise outside when the smog rating is low. Exercise indoors in air conditioning when air quality is good. Plant lots of shrubbery in your yard. It’s a good pollution and dirt from the street deterrent. Thought for the day: ‘Smoke gets in your eyes’…and your mouth, and your nose and your lungs as do pollutants….hum the tune daily.

6. Wear Your Seat Belt
Statistics show that seat belts add to longevity and help alleviate potential injuries in car crashes. Thought for the day: Buckle down and buckle up.

7. Floss Your Teeth
Recent studies make a direct connection between longevity and teeth flossing. Nobody knows exactly why. Perhaps it’s because people who floss tend to be more health conscious than people who don’t? Thought for the day: Floss and be your body’s boss.

8. Avoid Excessive Drinking
While recent studies show a glass of wine or one drink a day (two for men) can help protect against heart disease, more than that can cause other health problems such as liver and kidney disease and cancer. Thought for the day: A jug of wine should last a long time.

9. Keep a Positive Mental Outlook
There’s a definitive connection between living well and healthfully and having a cheerful outlook on life. Thought for the day: You can’t be unhappy when you’re smiling or singing.

10. Choose Your Parents Well
The link between genetics and health is a powerful one. But just because one or both of your parents died young in ill health doesn’t mean you cannot counteract the genetic pool handed you. Thought for the day: Follow these basic tips for healthy living and you can better control your own destiny.

Copyright 1999 - 2002, Accurate Online Solutions, LLC. All rights reserved