Health and Dental Insurance Quotes – Applying Online

Since 2001, large health and dental insurance companies such as BlueCross and GE Financial have offered health insurance online. As a result, individuals and small business owners have more options when purchasing insurance. Consumers can access quotes for premiums and coverage plans to find the most affordable package for their needs.

Determine Your Needs

Health and dental insurance is not just about finding the lowest premiums. You also need to factor in the costs of co-pays, deductibles, and maximum benefits. Determine how often you see a doctor and how much you can afford to pay in medical expenses. Too little coverage can set you back financially if you have an unexpected hospital bill, so make sure you have enough coverage to protect yourself.

You should also be aware that pre-existing conditions are not typically covered for the first 12 months of the health or dental insurance policy. This is common whether you receive coverage from an employer or purchase it yourself.

Start Getting Quotes

Online health and dental companies are dominated by traditional insurance companies, not shady entities. These traditional insurance companies use the internet to allow you to research their financial records, terms and conditions, and customer service practices. The internet has also increased competition between providers, resulting in more affordable options for individuals and small business owners.

Comparing Quotes

When you request a quote online for health or dental insurance, the company will give you a “base” rate quote, what an average consumer will pay in your area with average health conditions. The more information you provide, the more realistic the quote will be. “Base” quotes allow you to quickly compare plans and prices, without having to submit answers to a tedious amount of questions.

The Official Quote

To get an official quote, you will need to fill out an application with an insurance company. Typically an insurance company will require access to your health records, submitting to a medical exam, and providing answers to a detailed questionnaire. The insurance company uses the information to determine your risk to give you an official quote.

Once you have an official insurance quote, the paperwork is practically finished so you can quickly have health and dental insurance. The entire process can take up about four weeks.

Heart Health and Vitamin D Enriched Calcium Supplementation

Is there a connection between heart health and vitamin D? Are vitamin E and heart health linked? Researchers for the Women’s Health Initiative hormone replacement therapy and heart health study also investigated the role of other vitamins and minerals.

Since the calcification of plaques on arterial walls can cause coronary disease, researchers took a look at the relationship between heart health and vitamin D enriched calcium supplementation. After seven years, women taking these supplements had neither a decreased nor an increased risk of blood clots, stroke or heart disease. Although calcium and vitamin D are important for preventing osteoporosis, they do not seem to play a role in heart health.

The hormone replacement therapy and heart health study was ended early because of the number of adverse events experienced by the women in the study. At one time, it was believed that HRT promoted heart health, helped to prevent osteoporosis and improved the general health of post-menopausal women. After the hormone replacement therapy and heart health study was published, the recommendations concerning HRT were changed. Now, it is recommended that women who choose HRT to relieve the symptoms associated with menopause should use the lowest dosage, for the shortest period of time possible.

While there may be no connection between heart health and vitamin D, vitamin E and heart health are believed by many to be clearly linked. Vitamin E is a powerful antioxidant, meaning it reduces the negative affects of oxygen on the body. Preliminary research indicates that vitamin E limits the oxidation of “bad” cholesterol in the arteries. It may help prevent the formation of blood clots. It naturally thins the blood to such an extent that high dosages should be avoided by people using blood thinning medications or with bleeding problems.

Other herbs, amino acids and vitamins are believed to support heart health. These include l-arginine, ginkgo biloba, folic acid, potassium and magnesium. While the hormone replacement therapy and heart health study did not focus on these, the better supplement manufacturers rely on the research provided by numerous groups to formulate products that support heart health.

Health and Wellness Industry Review

Why are we writing this Health and Wellness Industry Review? What’s So Hot About Health and Wellness? The answer lies in the convergence of two trends. The first trend was sparked by the fact that the Baby Boomers are living longer than previous generations ever have in the past. They’re looking at ways to keep themselves healthy, active and vital so that they can enjoy life into their later years. They’re focusing on being well — or “Wellness” instead of waiting to get sick and just reacting to it with medications.

The second trend, is also at least partly the result of baby boomers and the longer life span of the population in general. What are people going to do now to ensure that they have the money to enjoy their retirement — sometimes for the next 20, 30 or 40 years? With the breakdown of the old order (financial system) it’s becoming absolutely critical to generate a passive and residual income stream.

Thus, we get the birth of an industry — Health and Wellness.

Due to the reasons mentioned above, lots of people are thinking about launching a home based business.
With the economy the way it is, and unemployment rates growing, it’s no wonder some are turning to a home business as a way to make a living.

But how do you decide what to do? So many choices out there, so many “business opportunities” screaming “I am the best opportunity-make lots of money…fast…easy…overnight…” and on and on it goes.

Hopefully you’ve gone through our other articles to help you and guide you down the path that’s right for you.

When you’re trying to decide what type of home business you want to set up, of course it’s a good idea to take a look at what industries are hot – and will continue to grow.

We’re going to focus on an industry that has absolutely exploded – and is anticipated to continue to grow for years to come – the Health and Wellness Industry. Industry. People who have become involved in this industry are finding it Extremely Lucrative and are poised to do quite well financially in the future.

The Health and Wellness Industry is concerned with prevention of illness and disease.

This is different from Health industry which includes doctors, hospitals, pharmacies and pharmaceutical companies. This industry focuses on treating the symptoms of illness, and not on prevention of sickness, and or helping people feel healthier.

The Health and Wellness Industry is expected to be a $1 trillion dollar industry by 2010. This industry includes nutritional supplements, juices, health/fitness clubs, chiropractic, naturopathy, homeopathy, and holistic health care. So what are the forces making the Health and Wellness industry so hot?

The economic downturn has affected peoples’ ability to spend money on insurance, doctor visits, and hospital stays. People are focusing on prevention of sickness and disease: According to cNMI (Natural Marketing Institute) President Maryellen Molyneaux:

“NMI research clearly shows that the current economic downturn is changing consumer behavior on many levels, including spending related to health and wellness. So while sales in each category continue to grow, consumers are becoming more discerning and are looking for real value in their purchases and not just the perceived value. This shift in behavior will impact manufacturers and retailers not just short-term but also in the future. With the economic future unclear, NMI projects that the health and wellness industry as a whole will remain relatively stable over the next five years at approximately 7% growth each year.”

More and more people are searching for ways to prevent illness and improve the quality of their life through better health. Many people feel that the nature of western medicine is treating symptoms, rather than preventing disease. They also feel that what traditional medicine does best is treating emergencies, not not keeping people from getting sick in the first place.

Many Doctors and scientists have dedicated their lives to finding natural “cures” for common “dis-eases” and have embraced a natural approach to treating peoples’ conditions.

Pharmaceutical concerns: There is growing mistrust in the general population towards the pharmaceutical industry. Side effects of medications are often serious, and sometimes even lethal.

Lawsuits and product recalls are making people leery of just taking a pill in hopes of getting better. The majority of prescriptions are merely to treat symptoms of sickness, not in curing or preventing disease.

This is creating lifetime customers. Pharmaceuticals are being designed to be taken for life — and people are becoming aware of the dangers of this to their health.

People are living longer. And they want to be healthy doing it. Life spans keeps getting longer, and people are willing to invest in their health more now than ever before. They are seeking ways to feeling good, staying well, and having health and vitality — and are turning to the Health and Wellness Industry for the answers.

David and Patricia Bouchez wrote Health and Wellness [http://mlmonlineadvantage.com/health-and-wellness-industry/] industry review to teach about the roots and future of this exploding home based business industry segment.

Three Keys to Health and Wellness

It should come as no surprise, that any discussion on health and wellness, must take into account exercise, diet and supplementation (in the form of vitamins and minerals). When I talk about vitamins and minerals, I include natural herbs in the discussion. These three keys to health and wellness are the foundation upon which good health is built.

If you have done any research on health and wellness, then no doubt you are aware of the growing mountain of evidence about exercise, diet and supplementation as keys to great health.

We live in a culture of medical extremes, where advertising dollars often drive the information that the public views as “truth”. For example, we are deluged daily about the need for strenuous often exhaustive exercise. This information is no doubt driven primarily by the money to be made by selling us the myriad products associated with the exercise/ sports industry. However, slowly the conventional medical wisdom is showing that light to moderate exercise is far healthier for us. It only makes sense really. I mean, we weren’t designed to work our bodies unnaturally to the point of exhaustion and even injury every time we exercise. Moderate to brisk walking or cycling is a more natural and healthy approach to beneficial exercise.

When discussing health and wellness, diet is the real foundation upon which all roads to health and wellness rest upon. If we eat a healthy diet filled with meats, cheeses, fruits and vegetables we balance our metabolism and greater health is a direct consequence. Our blood sugar stabilizes as we eat a diet that is more natural and in tune with how we are designed to eat. In particular, a low carb high protein diet is most beneficial to balancing out nutrition needs and also helps us to maintain a normal and healthy weight.

Minerals, vitamins and all natural herbs are the other key ingredient to excellent health and wellness. There is growing evidence literally day by day about the benefits of supplementing our diets with vitamins, minerals and herbs. Holistic practitioners are strongly convinced in particular about herbs and their benefits to mankind. Many of our most effective modern medicines are traceable back to herbal remedies. So, a balanced healthy life is not only attainable, but likely when we add these three keys to health and wellness to our daily living. With them we are on the road to health and wellness and aiding our bodies to help us in the prevention of disease.