How Much Does Health Insurance Cost Per Month

For many non-insured people, the question of how much does a health insurance policy cost today can make or break their decision to pick a plan. It must be emphasized that insurance is a necessity in our times especially with the rising costs of health care.

Even if you have to take the cheapest plan with basic coverage, take it for indeed it is better to have health insurance to help shoulder the costs of medical care than to have no protection at all. Besides, many factors will affect the cost of your insurance plan such that you might be persuaded to think that indeed the premiums you pay are worth every penny.

Factors Affecting Costs

Health insurance plans are not islands unto themselves. Just like other aspects of modern life, it is dependent on varying degrees on the economic and political environment as well as on the applicant’s personal circumstances and preferences.

On one hand, economic and political factors include use of insurance plans amongst people and advances in medical science and medical technology. As modern medicine finds newer and better ways to prolong the lives of human beings, insurance costs will rise to meet the consumer demand. And with the proposed health care reform, we may see a shift towards greater burden on consumers of insurance plans.

On the other hand, personal circumstances will also affect the cost of the insurance policy. These personal factors will include:

– Age – As you age, your premiums will increase.

– Gender – Women will pay for higher premiums than their male counterparts

– Medical history – Your past and present health can either swing the favor of premiums for or against you.

– Lifestyle choices – Alcohol consumption, smoking habits, use of street drugs and obesity will affect the costs of the plan

– Place of residence – Each state has its own insurance laws especially where coverage and caps are concerned

– Types of plan preferred – Comprehensive plans are more expensive to pay for than scheduled benefits plans. Fee-for-service plans, preferred provider organizations, point-of-service plans and health maintenance organizations all have their costs.

The insurance company will evaluate all these factors before providing you with a quote.

Actual Costs

As can be expected, each individual’s insurance quotes will vary depending on the personal factors. If the 2008 figures for the United States is the basis, an average individual will spend around $5,000 while an average family of four will spend up to $18,000 on health insurance policies per annum.

Unfortunately, health insurance rates now cost more than compact cars. However, you have to remember that a compact car will not provide financial protection in times of medical emergencies, unlike the health insurance policy.

It cannot be denied that health insurance costs are on the slight rise. You may grumble about it but the fact still remains that health insurance is an essential part of modern life.

Pre Health Program Prepares Students For Further Training

There are educational options for students who require some preparation training in order to perform at a level that will allow them to succeed in specialized programs. At Centennial College, these undertakings are called College and University Preparation programs. Not only do these programs offer small classes, state-of-the-art science and language laboratories as well as dedicated, experienced faculty support, but they also help ESL students brush up on their English. The prep programs are meant to assist in developing a thorough understanding of the personal, academic and professional requirements needed for taking diploma and advanced diploma programs.

One such offering is the Pre Health program, which helps students to gain access to a range of options within the School of Community and Health Studies. This School is committed to delivering innovative teaching through state-of-the-art laboratories where students receive hands-on experience in a stimulated environment. As such, students watch theory come with the guidance of industry-experienced instructors. Among the programs for which Pre Health prepares students are: Practical Nursing, Massage Therapy, Transportation and others.

Additionally, students receive the preparation they need if they are:

– Exploring a science program at college toward their future career goal
– Acquiring academic admission credentials needed to enter college-level science programs
– Seeking science courses required for post-secondary programs and have not finished high school or completed science courses

As one of the respected Pre Health programs in Toronto, this offering is very well rounded. It not only includes health-related courses such as Computers for Healthcare Professionals (introduces students to word processing, spreadsheet and presentation applications in a Windows-based operating system and gain skills related to basic research technique and APA reference format) and Pre-Anatomy and Physiology (allows students to develop a strong foundation in anatomical terminologies and fundamental human physiology through an emphasis on understanding and applications rather than memorization), but also math, communication and science courses.

Aside from obtaining a strong theoretical base, students also gain a practical one as they complete a range of projects and hands-on activities prior to graduation. For example, in the Computers for Healthcare Professionals course, students finish a final project for which they are expected to apply the computer skills, research technique and data analysis tools to prepare a properly referenced health-care related research report.

To apply for this Pre-Health science program interested persons must have completed and Ontario Secondary School Diploma (OSSD) or equivalent, or mature student status (19 years or older); English Grade 12 C or U, or equivalent or take the Centennial College English Skills Assessment for Admission; and Mathematics Grade 11 M or U; or 12 C, M or U, or equivalent or take a Centennial College Math Skills Assessment for Admission.

Demand for High-End Health Care on the Rise in China

The original health care system cannot meet the demands of the wealthy market. This is an opportunity for investment, especially as the government is now encouraging and promoting the development of high-end health care” – Ministry of Health Medical Services Regulatory Secretary Chen John Jiu, July 2012

China is home to the 4th largest number of millionaires in the world and Beijing is home to the greatest number of wealthy people in China, including 179,000 millionaires and 10,500 people considered super-rich. Those with higher incomes, thanks to a rich diet, urban living, and less reliance on manual labor or exercise, often suffer from a higher incidence of chronic illnesses such as cancer, heart disease, liver disease, respiratory illness, diabetes and stress. These people are increasingly concerned about their health and finding access to health care services that meets their needs.

INVESTMENT & IMPROVEMENTS IN HEALTH CARE
On June 3 2012 Research Institute Fortune issued a white paper titled “China Wealth Health” stating that although wealthy Chinese are paying more attention to their health about 68% of them are suffering from sub-health conditions. The paper concludes that there are over 30 million individuals of high net worth and emerging wealth in need of improved medical services.

Director of the Chinese Doctor Association, Yin Dakui says, “Most people want to be able to enjoy better medical services. Chinese and foreign capital investors are coming together to meet the needs of the population with a higher standard of medical care.”

To help meet this demand, in November 2012 the international company WA Optimum Health Care established their new specialty health care facility in Beijings Fragrant Mountain National Park. Their Chairman, Dr Shu Li, Harvard PhD comments “The location, architecture, quality of medical care and standard of service were all designed with the needs of patients in mind. Privacy, discretion and excellent follow-up care are crucial. Of course the most important factor is the level of personal medical attention given to each patient, which is why we have invested in bringing the best doctors from within China and around the world here.”

With a flagship center already operating in Shanghai for over 2 years, the international management and medical teams of WA Optimum Health Care are very familiar with the realities of meeting the demands of the market as well as navigating the regulations and licensing issues that have historically challenged other international health care providers that have tried to enter Chinese market. WA Optimum Health Care Vice Chairman Derek Muhs said, “With the implementation of recent health care reforms in China, we are pleased to be one of the first foreign companies providing a gold standard of health care services in this market. The growth opportunities over the next 5 years in the health care sector in China are very exciting.”

The WA Center in Beijing is a multi-discipline medical center of excellence specializing in the treatment and prevention of serious chronic conditions such as infertility, diabetes, liver disease, joint degeneration, chronic pain and sexual dysfunction, among others. There is also an advanced cosmetic medicine department that offers rejuvenation and cosmetic improvements performed by leading cosmetic surgeons from Switzerland, USA, South Korea and China.

At the WA Beijing private opening event Mr Wang, President of the “China Industry-University-Research Institute Collaboration Association” presented WA with a plaque endorsing them as a “China Clinical Research Center for Functional Anti-Aging Regenerative Medicine”.

Countless Chinese people go abroad annually for health care services, especially for anti-aging and cosmetic treatments, cancer screening, to give birth and to get treatment for chronic diseases. But with the governments health reform and support for private health care facilities, more and more Chinese are opting to stay home, where they can now have an international standard of health care in their own language and essential follow-up maintenance program with their personal doctor.

According to a September 2012 report by McKinsey & Company, Chinas health care spending is projected to grow from $357 billion in 2011 to $1 trillion in 2020. China remains one of the worlds most attractive markets, and is by far the fastest growing of all the large emerging markets.

Mr Muhs, quoted earlier, disclosed “We are looking closely at some exciting new opportunities for expansion and acquisition in the health care sector in China. With our 3-5 year IPO on the horizon this will be a very strategic expansion so as not to compromise the medical service that the market is demanding, and that we envision is the future of a new standard of health care in China.”

The Health Benefits Of Buckwheat Honey

A number of years ago we ran an apple farm in Northfield, Massachusetts. To prepare and enrich the soil for future plantings we would grow a cover crop of buckwheat, a tall plant with a beautiful white flower. As apple growers we had several hives of bees for effective fruit pollination and the bees loved the buckwheat flower transforming its nectar into a beautifully dark and rich honey. Our children loved the buckwheat flower season because they came to love delicious taste of the buckwheat honey. What we as parents discovered was that a teaspoon of buckwheat honey seemed to greatly help whenever the children had sore throats or coughs. This proved to be especially true if they took the honey at bedtime for they always seemed to sleep a little better. Throughout their childhood we always made sure to put away enough buckwheat honey from the hives to get through a winter of respiratory ailments.

This was a long time ago and I had forgotten about this aspect of buckwheat honey until I recently read about a study that had been done in 2007 and published in the Archives of Pediatrics and Adolescent Medicine. This study found that children who received a small dose of buckwheat honey before bedtime slept better and coughed less than those who received either a common over-the-counter suppressant or nothing at all. Dr. Ian Paul, a researcher at Penn State College of Medicine indicated This is the first time honey has been actually proven as a treatment.

The research study involved 105 children between ages 2 and 18 in their randomized, partially double-blind study. Parents would answer questions about their childs sleep and symptoms after the first night during which there was no treatment. On the second night the children were given honey flavored cough syrup, honey, or nothing at all. It was clear that the children who received the honey slept better with fewer symptoms. Dr. Paul also noted that honey is generally less expensive than over-the-counter medications with none of the side effects like dizziness or sleepiness. Dr. Paul indicated that the type of honey plays a role in the treatment. Darker honeys have more antioxidants that lighter honeys and we wanted the best chance to see improvements.

Intrigued by this information I searched further and found that The Journal of Pediatrics in May of 2008 gave their assessment of this study. In this well-designed and valid study, Paul et al were able to show that honey was significantly superior to no treatment for improvement in cough severity (47.3% reduction vs 24.7%) and an overall symptom score (53.7% reduction vs 33.4%). The findings of this study suggest that honey is better than no treatment for reducing cough frequency and improving combined symptom scores. Paul Doering, co-director of the Drug Information and Pharmacy Resource Center at the University of Florida has weighed in on the subject. I believe recommending honey as a cough medicine has merits. It provides a safe option to using chemical based options, he said, adding that honey is part of a trend of recommending more commonplace traditional remedies for ailments.

It should be noted that the Dr. Paul study gave no honey to children under 2 yrs. of age and the newest research seems to support that practice.

Acai Berry Weight Loss

Lose Weight and Look Good with the Acai Berry

We all know how hard it is to lose weight. Many of us have tried and failed in testing different ?miracle? lose weight products. But here is something that may seem new to you, but has in fact been around for many decades. This super fruit has so many great health benefits and losing weight effectively is just one of them, and this fruit is called the Acai Berry.

First and foremost, it would be highly controversial to make a claim that the acai berry is a ?miracle? fruit or superfood. It will not cure all ailments nor clear any disease instantly. One thing that is for sure is that the acai berry is a fruit that is highly nutritious and contains many compounds that will help prevent diseases, illnesses, and will help our body get healthy. The Acai berry is one of the healthiest foods that can be found in this planet.

Now with that said, there is one issue though that you may have. No there are no side effects, but its availability in its fruit form may be very hard to find. Since they perish easily and cannot be grown locally, as they are only found in the South American jungle, your local fruit shop or grocery is more than likely not to have them in stock. Fortunately though, Acai berries are usually formed into a powdery substance and freeze dried and is used in many weight loss products. They are even made into juice.

Now for the good part. To lose weight with acai berries is very viable. This small berry is packed with numerous vitamins and minerals that are associated with weight loss. They also help our muscles to grow and aid in rejuvenating our energy. Acai berries are also great sources for fiber, antioxidants, fatty acids and other nutrients. Just by ingesting or introducing acai berries to your body, you can help it to process food better and provide it with the nutrients it need even if you are on a diet and don?t eat that much. You will still be able to provide your body the nutrients that it needs to work perfectly and make it healthy.

You can do this by purchasing acai berries either fresh, if you?re lucky enough, dried, or in powder form. You can them mix them with your food as an ingredient. You may use it in making yoghurt, or maybe as a topping to your healthy low fat cereal. You can even mix it with healthy baked products such as cookies and muffins.

In its liquid form, acai berries can be made into a low fat smoothie or juice. This way you can get more of its health benefits as it is in its concentrated form.

You may even find acai berries in a capsule form. You could easily ingest the benefits that acai berries provide in this form, just make sure not to forget to make it a daily regimen.