The days of nickel sodas

HMOs offer more than health insurance. Many HMO plans can be used with flexible spending and health reimbursement accounts, enabling employees to decide how some of their health care dollars are used. The days of nickel sodas and 25-cent phone calls are long gone — and so are $5 and $10 co-pay plans. It's time to rethink the value of co-pays. Furthermore, with these plans, employees continue to have a co-pay instead of a deductible for highly utilized areas such as physician or specialist visits. For example, an employee may have a $20 copay for a primary care physician (PCP) visit, which will include all services provided in that visit.

Each time employees go to their PCP, they can expect to pay $20 — no surprises there. However, times have changed. HMO plans today offer extensive provider networks, excellent coverage for preventive care, the ability to frequently change a primary care physician and outstanding prescription drug coverage through broad pharmacy networks. HMOs take the surprise out of the bill. But that covers all services provided during that visit. HMOs offer bold new designs.Rediscover today's HMO — you'll be pleased with what you find. That's right — health maintenance organizations. As an employer, you want to provide good coverage, but the cost increases in recent years have been tough to handle. In most deductible-based plans, employees have a high deductible that applies to all services. You may have heard bad stories or had a rough experience in the past.

However, there is a better solution. With an HMO structured co-pay plan, an employee knows up front the expenses associated with most covered services. It's not your father's HMO. Many carriers are also developing health spending account-compatible HMO plans. The HMOs of today offer a whole new generation of health care financing tools that every employer should consider. After the deductible is satisfied, a co-pay also applies to that service. However, with these new focused-deductible HMO plans, the deductible is limited to specific services, such as hospital care or prescription drugs. There are two primary reasons to revisit today's HMO — savings to you and savings to your employees. Today's HMO plans offer health improvement programs such as discounted fitness Treadmill Machines for sale club memberships and valueadded options that let employees take charge of their own health. Think HMO.

A typical response to these increases may be to select a high-deductible insurance product that lowers your cost. New HMO plans have fresh cost-sharing strategies that provide low employee out-ofpocket expenses in some areas while controlling your costs by increasing employee expenses through deductibles in other areas. This can add up very quickly, and employees can't predict what their expense is going to be. That's a valuable cost limit these days. . With most health insurance plans, an employee is responsible for a percentage of the cost of care, often 20 percent or 25 percent.In this era of creative financing and cost management tools, many employers are looking for new ways to help employees finance their health care expenses. HMOs are FSA and HRA compatible. Higher co-pays offer savings. New HMO plans have higher co-pays, some as high as $30 for a primary care visit and $50 for a specialist

Monounsaturated fats help to decrease

What if I told you that fat is a major contributor to the increasing problem of obesity in the world today. Examples of polyunsaturated Fats - would be vegetable oil and palm oil.Fats are found in foods such as butter, margarine, oils, fats, dripping, nuts and oil seeds.* Limit the saturated fats in your diet - which includes butter, cream, full-fat dairy products, fatty meats, cakes, pastries and fried foods. Research has indicated that saturated fats in the diet can increase LDL cholesterol levels in the blood, which is the unwanted cholesterol and should be avoided.

The following foods contain this type of fat:* Meat* Dairy* Eggs* Cakes, biscuits and pastriesMonounsaturated fats - Monounsaturated fats help to decrease the cholesterol and LDL levels in the blood. It's stored in the fat cells of the body.We also know that eating too much fat leads to health problems and weight-gain, but we do need some healthy fats in our diet.. Sources include fish, olive and canola oil, nuts and avocado* Also try to include the good omega-3 fats daily - fatty fish such as salmon, tuna, and sardines are good sources and try to eat three fish meals a week if you can.

Fats provide hormone production and skin health and protection of vital organs and insulation Too much fat in the diet however, can increase the risk of a number of lifestyle diseases that are common in the western worldSo Please remember... Lard, animal shortening, coconut oil, palm oil, vegetable oil, butterfat, whole milk solids, copra, tallow, chocolate chips, shortening, margarine, cocoa butter.Now that you are armed with this information, start checking what you are eating, firstly by checking the labels on all the foods that you consume. olive and canola oil over butter* Include amounts of unsaturated or 'good fats' in your diet. It can be up to 100 billion for the obese person. Fat cells are like storage tanks of energy to be used for later use. Other names for fats include. Research conducted indicates that good fats such as fish oils especially deep sea fish, olive oil, canola oil, avocado and nuts contain important fatty acids which if taken by people aged 65 plus reduced the risk of a fatal heart attack by 44%.

There are three types of fat to found in the diet:Saturated fats - are found mainly in animal products and do the most damage and are the most related to the build-up of cholesterol in the arteries. I recommended that people eat less than 20% of total their total calories from fat. The number of fat cells is estimated to be around 50 billion for the average person.As pointed out before, consuming fats is the major culprit that leads to fat being on the human body mainly because fats are high in calories.Lets have a look at the different types of fat. Fats are a source of soluble vitamins A, D and E. It has been shown that obese people who binge eat may stimulate baby fat cells to sprout to increase the number of fat cells they have.* Choose lean meats where possible and trim visible fat and skin before cooking* Select low fat dairy products where possible* Be aware of the hidden fats in processed foods and foods high in salt* Choose liquid fats over solid fats e. Remember anything that has 5grams of fat or below is good and anything above this figure eat sparingly. The following foods Walking Pads Manufacturers contain this type of fat:* Olive Oil* Canola Oil* Peanut OilPolyunsaturated fats - Polyunsaturated fats in small quantities can help to decrease total cholesterol.