How to Save Money and Get Discount Health Insurance in Florida

Health insurance is generally considered one of the least affordable of all the types of insurance that the average America is expected to purchase. In fact, approximately 17% of all Florida residents can't afford any health coverage at all.

Group health insurance is almost always less expensive than individual health care so if your employer or some organization that you belong to makes group health insurance available to you that may be your best bet.

If you have no insurance and you meet certain low-income requirements then your children 19 years of age and younger may qualify for the state of Florida's KidCare Program. For more information on this state-sponsored program check out: http://www.floridakidcare.org/

If you have a home business check with your insurance agent. Many home-based businesses in Florida, regardless of whether they have any employees or not, qualify for group rate health insurance.

If you are still looking for individual health insurance there may be ways of getting the cost of your policy down to the point that it doesn't make you sick.

Let's start with your smoking. If you smoke or use any other form of tobacco product (such as chew) then you need to quit. Period. Smokers pay a considerably higher rate for health insurance than do non-smokers. If you have a health insurance policy currently and you smoked when you first got your policy but you have since quit you need to speak with your agent - you could be due a rather heft decrease in your monthly premium payments!

Are you overweight? Even though the majority of Americans are overweight it still costs overweight people more to purchase health insurance than it does for people who fall within the "normal" range on the weight charts. The good news is you don't have to lose all of your weight to get a break on your health insurance. Often even losing just a little will place you in a lower-priced category and save you money year after year.

Don't engage in dangerous or extreme sports or hobbies. Unnecessarily placing your life or your health at risk will drive up the cost of your health insurance. Having a dangerous occupation can also increase the cost of your health insurance.

If you've been insured by the same company for at least 5 years you could be entitled to a Long-Term Discount on your health insurance. Similarly if you have other insurance policies, such as homeowner's or auto insurance with the same company you should receive a Multi-Policy Discount on your health policy.

What is your current co-pay when you visit your doctor's office? Many people have a 20% or 25% co-pay. Did you know that if you increase your co-pay to 50% that you can save as much as 20% on your monthly health insurance premiums? This is a particularly good way for people who do not visit their doctor on a regular basis to save a great deal of money every year.

What about your deductible? Your deductible is the amount of money you spend on your own health care each year before you even bother your insurance company. The higher your deductible the lower your monthly premium payment will be - but consider everything carefully before increasing your deductible because this is extra money you will have to come up with each year for your own health care.

Finally its time to go online and take everything you've learned in this article and plug it into at least 3 of the many websites that allow you to quickly make head-to-head comparisons of health insurance policies and prices between companies.

Remember to make your comparisons on at least 3 different sites if you want to make certain that the low price you see is truly the lowest price you can get. It takes a little extra time to make comparisons on multiple websites, but the result is that you really will save money and get discount health insurance in Florida.

My recommended sites here:

Discount Health Insurance in Florida
Great Health Insurance Companies

Health Insurance: 10 Strategic Ways to Save Money on Health Insurance Quotes

It is known a fact that Medical Bills and Health Care Costs is the number one cause for Bad Credit and Bankruptcy in America. Therefore, it is obvious that Health Insurance is truly a beneficial investment. However, the cost can sometimes be very high for most individuals. In some cases, employers offer group plans to their employees but the rates can sometimes still be too high to add to your monthly expenses. This causes many individuals to avoid obtaining health insurance. Therefore, listed below are 10 Ways to Save Big on Health Insurance:

1. Shop around and Compare Quotes (don't purchase the first rate you receive).
2. Buy Online where the prices are generally cheaper.
3. Purchase policies while you are young (the older you are the higher your premium).
4. Under HMOs (Health Maintenance Organizations) you will generally pay a lesser premium.
5. If you are a member of a Trade Organization, you may be eligible for their group insurance.
6. If possible, increase your deductible (don't increase it too high unless you put away savings as well).
7. For individuals with High Deductible Health Plans, open a tax advantaged HSA (Health Savings Accounts)
8. If you smoke, Quit Smoking (this could save you nearly 5% off of your premium).
9. If you drink alcohol, Quit Drinking.
10. Maintain a Healthy Weight.

With the steady rise of Health Care Costs, it is in one's best interest to maintain Health Insurance. With the use of these tips, the cost of Health Insurance will be less expensive and could save you money on a monthly basis.

For more tips: visit http://www.gogetinsurancerates.com

Why LuxSpas Elite Far Infrared Saunas Are the Best Buy for Your Money and Health

Far infrared saunas are the modern version of ancient heat-based therapies. Hot springs, hot baths, and traditional saunas have provided health and age-defying benefits for centuries around the world.

In Scandinavia, saunas are a part of everyday life. And their effectiveness to detoxify your body, promote weight loss, resist aging, strengthen your immune system, combat arthritis, and relieve muscle and joint pain has been well known and documented for many generations.

In fact the word sauna itself is derived from the Finnish language and has become synonymous with health and healthy living.

LuxSpas Elite Saunas have taken this ancient heat-related therapy to the next level utilizing modern state-of-the-art technology.

Every LuxSpa Elite Sauna is loaded with more quality advanced features than any other sauna available today. Their sauna for two includes seven 100% Black Bio Spectrum Carbon Heaters that emit the greatest spectral distribution of beneficial infrared heat on a 7-14 micron level. These are the only clinically tested heaters that have been proven to have the most beneficial effects.

In fact, there is no better heating element available! And after all, isn't this the primary purpose of a far infrared sauna, to provide the best penetrating heat achievable and thus the best healing power possible?

Far Infrared Sauna technology delivers targeted and deep penetrating beneficial heat. Far infrared waves come from the upper regions of the naturally occurring infrared spectrum. They are completely safe, won't burn or damage your skin, and are delivered in perfect harmony with your body's own internal thermometer. It's like enjoying the health and healing benefits of our sun without all the harmful UV rays.

All LuxSpas Elite Far Infrared Saunas also feature their unique and effective "Free Flow" heat circulation. This design provides for optimal far infrared heat circulation, penetrating your entire body including your lower back, buttocks, legs, and thighs.

And the carbon heaters are positioned on the sides and back of the sauna, ensuring that there will be no hot or cool spots in your sauna.

They also feature contoured lumbar support backrests to provide comfortable support while allowing for optimal deep heat penetration.

Whether you're looking for weight loss, body detoxification, skin treatment, anti-aging therapy, fat and cellulite reduction, pain relief from joints and muscles, beauty enhancement, or just superb relaxation and a better night's sleep, you're not going to find anything better than a LuxSpa Elite Far Infrared Sauna.

The LuxSpa Elite Far Infrared Sauna affords you the best technology, clinically proven heaters, the highest quality, and a lifetime warranty to make them the best buy for your money and health!

For more information, please go to far infrared saunas.

David Allen is a health nut and is always looking for ways to improve his health. For more information on how you can improve your health as well as your skin tone and texture, please go to [http://infraredsaunascenter.com].

Boomers and Boomer's Children Must Have an Honest Talk About Money and Health - Here's How

It was so exciting when the troops came back after World War II that you could practically hear the babies being conceived for at least two years! And now, that amazing generation is around sixty years old.

What's the big deal? So they are sixty. So what? Well, traditionally, people "retired" from hard labor jobs in their sixties. They stopped working the hard job, and rested, traveled, puttered around the house until they died. Which was not far off for folks only thirty years ago.

With the advancement of science, medical technology, and a pile of other factors, humans are living longer. So while you could retire at 60 and probably live to 70/75, now people are living until 90, 95, 100+. This is amazing! This is wonderful! And it also brings up the answer to the "what's the big deal?" question.

If you're a boomer, there is high probability you're going to live longer.

Do you have enough money to keep you in the manner to which you've been accustomed?
Are you going to keep working? Do you want to keep working?
What kind of health care do you need now as you age? what will you need later?
Who is going to take care of you as you get older? Your kids? Your family? Friends?
Where are you going to live? Stay in the big house? Downsize? Live with the kids? Do they know that?

If you're a boomer's kid, in general your parents are going to live longer.

Society in the past has seen families live close together. Now, our society and culture has changed so that families are spread to the four corners of the country and earth. What expectations do you have for taking care of your parents? Do they expect you to take care of them? Will you stop what you're doing to take care of them?

Have they been supporting you physically? Financially? Do you expect that to continue?
If something happens to them, how will you know what to do to help them?
Are you going to be the one to help them?
What happens to them if they can't live alone anymore? Where will they live?
Who is going to pay for it all? You? Them? The government?

Boomers and boomer's children must have a very blunt and open conversation about aging and what expectations are for support as both groups age. Start by asking and answering the above questions. And if you're not sure what other questions you need to ask, use a tool like a Financial Documents Binder to provoke questions and answers. Find a financial advisor, an accountant, an insurance agent or another professional to talk with you about what is available and what you need to care for yourself and loved ones as you age.

Having the conversation is the starting point to ensuring you get exactly what you want as you get older. And if you don't know what you want, now is the time to figure it out while you still can.

Jessica D Chapman, is a small businesses customer service expert. She has been supporting business owners for over 10 years to improve systems and service at http://www.FinancialDocumentsBinder.com

Save Money on Health Insurance - Tweak Your Coverage

There are a number of things you can do to keep high quality coverage and save money on your health insurance premiums at the same time.

Lower Your Co-Insurance Percentage

Most plans cover 100%, 90%, 80%, or 70% of your medical expenses after you meet your deductible. If you have the option to lower your co-insurance percentage, consider moving making the switch to lower your monthly cost. Most plans will have out-of-pocket maximums (the maximum amount you would pay per year for all covered services, in the event of a catastrophe) to protect you in a major event, so it's not as bad as it sounds.

For instance, my out-of-pocket-maximum is $3,000 for the year. That's the most I would pay in one year, period. Changing your co-insurance percentage to a lower level might raise your out-of-pocket maximum or total risk a little bit. Find out the details before you make the change.

Drop Your Accident Benefit

Sometimes accident riders are a good benefit to have. They typically cover the first set dollar amount of an accident, before you are required to pay toward your medical deductible and co-insurance. Accident riders can be beneficial especially if you have kids. However, if you can do without this benefit, find out how much it will save you to drop it, if that's an option.

Reduce Your Annual or Lifetime Maximum Benefit

Some plans have very high lifetime maximums. I have seen them as high as $25,000,000. Also, you may be able to lower your annual benefit maximum. Only consider making these two changes if you feel confident that your maximum benefits are substantial. Even then, it's good to consult your agent.

Save money on health insurance coverage - tweak your benefits

For help changing your current benefits, or to review the options available to you, contact a local agent by completing this short and easy form.

To receive your copy of my free eBook titled "Seven Money Saving Health Insurance Tips" subscribe to my free "Valuable Health Insurance Tips and Tools" newsletter by visiting my website!

How to Save Money and Get Discount Health Insurance in Iowa

It's no secret that health insurance can cost an arm and a leg. For many people health insurance is so expensive that they are simply forced to go without it at all.

Obviously if you are offered health insurance at work or if you can obtain health insurance at group rates through some organization that you belong to, then you should probably look into such coverage since group insurance rates are almost always lower than individual rates - plus a group insurance may accept pre-exiting conditions more readily than an individual policy will.

For more and more people, especially those working out of their homes, group insurance rates simply aren't an option. Fortunate there are still a few things you can do to keep your rates on the low side.

First and foremost, do not smoke. If you already smoke then you need to stop. You need to stop using chew, snuff or any other form of tobacco product. Period. People who do not use tobacco products pay far less for their health insurance.

Everyone knows how difficult it is to lose weight, but if you are overweight you are considered a greater health risk and so you will pay a higher monthly health insurance premium. Losing even a little weight may bump you down into a lower payment bracket, so anything you can do may save you money for years to come.

Don't participate in dangerous or extreme sports or hobbies. If you routinely participate in dangerous activities then you will either have to pay a higher insurance premium, or your extreme activity will be excluded from your coverage.

Similarly, driving a high-powered car or a sports car can also increase your health insurance premiums each month. Anything that increases the chances of your filing a health claim will increase your monthly premium.

The percentage of your co-pay will greatly influence how much your premium is. Every time you visit a doctor's office or have other health care you are expected to pay a certain percentage of the bill in cash at the time of your visit. If you increase the amount of your co-pay then you will reduce your monthly premium. This can work out especially well for people who do not see a doctor on a regular schedule.

One of the biggest determinants for the cost of your monthly health insurance premium is your deductible - the amount of money that you will pay each year out of your own pocket before you trouble your insurance company to begin making payments. The higher your deductible the lower your monthly premium. Again, this works best for people who are generally healthy and rarely require medical care each year.

An extreme form of this is to purchase a health insurance policy with a super-high deductible of $2,000 or even $3,000. Such policies are very inexpensive and are designed to protect your home or other assets in the event that you suffer an unexpected catastrophic accident or illness that racks up medical bills in the tens or even hundreds of thousands of dollars in the blink of an eye.

Now that you know what some of your money-saving options are it's time for you to go online and start comparing different health insurance polices from a variety of different insurance companies so you can find the one that's right for you at a price that you can afford.

Take your time and make comparisons on at least 3 different websites. In this way you can be certain that you are seeing the best prices from all the companies operating in Iowa and you can be absolutely sure that you have saved money and gotten the best discount health insurance available in Iowa.

My recommended sites here:

Discount Health Insurance in Iowa
Recommended Life Insurance Companies

Compound Interest - In Life, Money and Health

The making of YOUR future

In this life of yours, YOUR future is based on some fixed and variable factors!

And what if YOU could take a situation, and turn it into a fixed; predictable and doable task? Believe me, I have seen people jump for joy, and cry tears of SATISFACTION! I did something too, and smile to myself as I have reached many 'milestones'; so new challenges in life can make me feel more NORMAL!

You train up your body with discipline today, tomorrow and for years with consistency.

People in the environment will admire the 'cause' YOU had supported; YOU are the result! Plan, prepare, execute and; "REAP WHAT YOU SOW!"

A Straight Line

Try drawing a straight line to connect two points on a piece of paper. This is direct and simple for the educated mindset!

But problems and distractions will 'DERAIL' your focus, and the straight line towards the target becomes a curve.

Similarly;
Consistency in behavior- makes it MUCH more predictable; for planning any form of activities!

And this is just the tip of the iceberg.

How many times did people think of the 'best case scenario' and fantasize about success?

The fantasy is possible. Remember, the successful people do what they do; and love to do it!

But, these people do it, with the open mind. So each failure will serve as a form of feedback. Undeterred; they change strategies to continue; their progress in the STRAIGHT LINE to their objectives.

Train yourself, make the event a part of YOUR life. YOU will be focused on IT!

I, Stanley Lai am a cancer survivor who achieved in an awkward way and lived on; to learn more.

http://Cancer-Past-Present-Future.blogspot.com

How to Save Money and Get Discount Health Insurance in Oregon

Oregon is a great state to live if you are looking for discount health insurance. Even if you have no health insurance, Oregon's Prescription Drug Program went into effect at the end of 2006, providing deep discounts on prescription drugs to just about all residents of the state, regardless of income.

According to the Insurance Division of the State of Oregon, 39% of the citizens of Oregon are currently covered by one of the major private health insurers in the state. Many more families are covered by employer-supplied health insurance.

For those seeking discount health insurance in Oregon on their own, here are a few things to keep in mind.

One of the main ways in which people balance the cost of health care is through the raising or lowering of their plan's deductible. A deductible is the amount of money you pay out of your own pocket for your health needs before your insurance begins paying. The larger the deductible, the lower the monthly premiums you'll have to pay.

One of the best ways to keep health care costs down is to make a list of exactly what you and your family need most from health insurance. Do you need to have routine doctor visits covered? Do you foresee any hospital stays in the coming year? Are prescriptions your main concern? Is there a chronic health need in your family that needs to be addressed? Can you put aside enough cash to cover a larger deductible?

Once you know exactly what your family's primary needs and concerns are, there are several websites which allow for side-by-side comparisons of policy costs based on the criteria which you have determined are most important to you.

By taking the time to make a list of your major insurance needs and then comparing policies online, you and your family should be able to save money and get the discount health insurance that you need and deserve.

Recommended sites for low rate insurance

Cheap Health Insurance Quotes
Instant Health Insurance Quotes Online

How to Save Money and Get Discount Health Insurance Oklahoma

Unfortunately some people seem more prone to illness than others. For someone living in Oklahoma with a history of health problems, this can prove detrimental when it comes time to purchase health insurance. Individuals who fall into this category may have to turn to the Oklahoma High Risk Pool to get health insurance.

For everyone else the best approach to saving money and getting discount health insurance in Oklahoma is through a group plan. These are typically offered by employers and consist of coverage that is very extensive. Although the employee is responsible for part of the cost of the premiums, the employer usually pays a portion as well. If a family has the luxury of coverage from more than one of these plans because both partners work, they should take full advantage of it. One plan more offer partial coverage while the other will cover the remainder. For a family with small children, this can be a great resource for their health care needs.

Another way to find a discount health insurance plan is by talking to your life or home insurance agent. Many insurance companies offer several different types of insurance and will give a discounted rate to clients who purchase more than one policy. This means you could potentially save on several different types of insurance just by purchasing from one company.

Staying healthy will also go a long way to helping reduce your insurance costs. If you haven't made too many claims in the past and you don't have a history of any serious illness, your rates will generally be quite low. Exercising and maintaining a healthy body weight in addition to eating right can contribute to better general health. If you are overweight, try and adopt a more nutritious menu and start a regular exercise regime. All of this will help to keep your insurance costs down.

Discount Health Insurance Oklahoma

Instant Health Insurance Quotes [http://www.easymedinsurance.com]

How to Save Money and Get Discount Health Insurance in Virginia

Regardless of how healthy you are today, tomorrow could be an entirely different story. Even if you believe you will never need health insurance, it's a good idea to consider it. When a person is in an accident or becomes ill they are already under stress, add to that the exorbitant cost of medical care and they will be suffering even further.

Finding discount health insurance in Virginia takes some research. If you are one of the many people in the state who fall into the low income category you may be able to access one of several plans in place by the government to aid residents. One program, the Family Access to Medical Services or FAMIS program is focused on children whose parents fall into a low income range. There are other qualifications as well including the age of the child who must be under nineteen.

For others, who make beyond that limit they ultimately have one goal and that is to save money and get discount health insurance in Virginia. The first place to look is with your employer. Many employers offer a great rate on group health insurance. The premiums are typically divided between the employer and the employee. An added bonus is that the payments are deducted right from the employee's weekly or bi-weekly pay check.

If your employer doesn't have a plan in place you can still find a great rate on health insurance. In this case you need to consider what options in a health plan are crucial for your family's situation. From there you can start obtaining quotes from various insurers. As your family grows you may need to alter the protection you have and when that does occur it's best to price out different insurance companies again just to be certain you are getting the best deal possible.

My recommended sites here:

Discount Health Insurance Quotes in Virginia
Free Instant Health Insurance Quotes Online

How To Save Money And Get Discount Health Insurance In Indiana

In Indiana if an individual is unable to afford health insurance because they fall into a low income bracket there is help available to them. This help comes in the form of the government of the state stepping in to pay their Medicare premiums. This is done through the Medicaid program.

For everyone else the best way to save money and get discount health insurance in Indiana is through a group health plan. These are typically offered by employers as a benefit for those who work for them. Although they are often subject to a waiting period after employment commences, they are definitely something that should be strongly considered. The cost in relation to the coverage that is offered is typically quite low. Most people would be hard pressed to find comparable coverage for a similar price anywhere else.

Beyond that, for those who aren't fortunate enough to be eligible for group coverage or state assistance, there are still ways for them to find a better rate on their health insurance premiums. The most notable way is to be healthy. This means giving up any bad habits, such as smoking or drinking excessive amounts of alcohol. It also is a good idea to drop any excess weight and start a regular exercise routine. Some health insurance companies will actually lower premiums for clients who can prove they have an active membership to a gym or fitness club.

It's also good to look at what coverage you really need and what coverage can be considered optional. For instance, if you are single and you have perfect eyesight, you can likely forgo vision care benefits. If you have a substantial savings account, you might decide that disability insurance isn't something you need at this time. Picking and choosing your benefits in this fashion can really help to save money.

My recommended sites here:

http://www.ezquoteguide.com/health Discount Health Insurance in Indiana
http://www.saveitmonthly.com Instant Medical Insurance Quotes

How to Save Money and Get Discount Health Insurance in Vermont

Individuals in Vermont are generally quite fortunate when it comes to health insurance. The majority of people living in this state are receiving their health care insurance through their employers. Group plan numbers are high in Vermont which means anyone covered by a group plan is getting excellent, if not free, rates. If you don't qualify for an employer sponsored health insurance plan in Vermont, there are still ways to secure a discount rate.

Everyone's health care needs are different. Some people have long term illnesses and must regularly visit a physician and take prescription medication on a daily basis. Others are rarely sick and only feel they need coverage that will protect them in the event of an accident or if they are diagnosed with a major illness.

The first step to saving money and getting discount health insurance in Vermont is determining what your fundamental, health care needs are. If you do indeed use prescription medications regularly you'll need to look for a plan that pays at least a portion of those costs. If you have small children, it's a good idea to purchase a plan that offers regular physician visits, because children seem to fall ill quite often. You'll also want to think strongly about dental coverage and vision care coverage at least until the child goes to college.

One of the best ways to combat high health insurance premiums costs is by staying healthy. This includes maintaining a good body weight and exercising regularly. You should also be mindful of the fact that many companies charge extra for individuals who participate in high risk sports or have a dangerous job. If the health insurance company views you as a risk, that will be evident in higher premiums. Taking great care of your health will result in a much better rate.

My recommended sites here:

Discount Health Insurance in Vermont
Great Health Insurance Companies