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Valerian PowderLimited Benefit Health Insurance - Is It A Good Deal?

These days, everyone is looking for ways to save money. Some have found that buying cheap health insurance is one way to go. And while this has its upside, you should be careful, because you may end up with a health crisis.

For many folks in Dallas, Houston or throughout Texas with no health insurance, a policy known as "Limited Benefit" sounds like an appealing choice. Premiums are as low as $10 a week. But there's a big catch: these policies pay as little as $1,000 a year or $10,000 for a lifetime ? so little that some health insurance experts question whether they really amounts to health insurance at all.

Even insurance industry executives and agents are highly skeptical of such plans. At one insurance-company meeting last year, a roomful of agents burst into laughter when an executive described a Limited Benefit plan. But plan defenders say the simple act of giving low-income workers an insurance card can encourage them to seek routine preventive care. They contend that some measure of health coverage, however small, is better than none.

Currently, Limited Benefit policies are among the fastest-growing health insurance offerings for temporary and hourly workers. Sold by half a dozen insurance companies, they cover an estimated 750,000 employees and family members. Wal-Mart Stores Inc., McDonald's Corp. and Lowe's Cos. are among major companies making them available to their employees. For the nearly 47 million uninsured people in the United States today, having Limited Benefit health insurance would be better than having no coverage at all.

Limited Benefit plans place severe financial caps on benefits such as inpatient care, hospital room and board and other critical services. One of the bigger selling points for Limited Benefit plans, however, is that they often cover at least part of the insured?s everyday medical expenses. Still, even with respect to every day care, the policies have restrictions such as waiting periods for "wellness checks" and exclusions for the treatment of pre-existing conditions. Limited Benefit plans typically also have deductibles that policyholders must pay each year before benefits kick in.

Some insurance companies have tried offering low-cost policies that cover "catastrophic" health costs. But industry officials say low-income employees haven't shown much interest because such plans require high deductibles ? perhaps a couple of thousand dollars ? before coverage kicks in. Low-wage workers are more interested in something that covers basic expenses.

While many employers who sponsor Limited Benefit health plans for their employees reluctantly concede that the plans offer little to no help with a serious illness, the employers and their insurance agents say that they make sure workers understand what this particular insurance will and will not do.

Enrollment in Limited Benefit health plans has grown about 20% in each of the past few years. Employers make them available mostly to hourly workers, either full- or part-time, and collect the premiums through payroll deduction. Many companies in the service sector typically find that 10% to 30% of eligible workers elect to purchase the Limited Benefit coverage.

Limited benefit plans may have their place in today's health insurance market, but it?s important that consumers know exactly what they?re getting up front. So if you?re looking for an affordable health plan that offers catastrophic coverage, without a high deductible, you should take a look at the revolutionary, comprehensive individual health insurance solutions created by Precedent specifically for young, healthy individuals. For more information, visit us at our website, www.precedent.com. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans and an unparalleled ?real time? application and acceptance experience.

Precedent puts a new spin on health insurance. Learn more at http://www.precedent.com

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MSM for health

HealthThe Amazing Nutritional Benefits of Cherries

The nutritional benefits of cherries are pretty big, particularly when you consider their small size. Many of the health benefits of cherries are related to the natural chemical that gives them their color.

Anthocyanins give flowers, berries and other fruits the colors ranging from red to blue. Some of the best food sources of anthocyanins are red grapes, chokeberry, eggplant and, of course, cherries.

These pigments attract pollinators, act as a ?sunscreen? and protect the plant from radicals formed by UV light, so they act as antioxidants. The antioxidant benefits are transferred to people when the fruits or vegetables are eaten.

Health Benefits of Cherries

The health benefits of cherries and other plant foods containing anthocyanins are many. Anthocyanins are used by the body to produce essential amino acids. As antioxidants, they protect the cells of the body from the damaging, aging and disease producing affects of oxygen, nitrogen and UV radiation.

Anthocyanins are also natural pain relievers and anti-inflammatories. They inhibit the production of COX-2 enzymes, as do over the counter and prescription pain relievers. Natural anti-inflammatories are believed to reduce the risk of many types of cancer. But, there are more nutritional benefits of cherries.

Cherries contain melatonin, another natural pain reliever and COX-2 inhibitor. Melatonin also helps to regulate sleep cycles and has been sold as a natural sleep aid. Reduced levels of melatonin have been associated with heart disease and increased cancer rates in night workers. The human body naturally produces melatonin, but primarily in darkness.

Constant artificial lighting present in most homes and work places reduces the amount of melatonin that the body produces. So, one of the health benefits of cherries to modern day man has to do with replacing some of the melatonin that has been lost to artificial light, unhealthy work schedules and unnatural sleep patterns. And, there are more nutritional benefits of cherries.

Cherries, like most fruits, contain vitamin C. The proven and suspected health benefits of cherries and other vitamin C rich foods are too numerous to be covered in this short article. One of the most exciting and newest discoveries has to do with cancer treatment. In both clinical trials and test tubes, vitamin C has been shown to kill cancer cells and inhibit their replication.

Cherries also contain fiber, which is important for a healthy digestive system. Diets high in fiber are believed to reduce the risk of colon and rectal cancer and most other diseases involving the digestive tract.

One of the most recent studies related to the nutritional benefits of cherries had to do with unhealthy cholesterol levels. A group of men with high LDL (bad) cholesterol levels were recruited to participate in this study.

The men were given whole food supplements containing cherries and other fruits. After 4 weeks, total and LDL cholesterol (known as "bad cholesterol") levels were significantly lowered, while HDL (good) cholesterol levels were increased. There were no changes in cholesterol levels in control groups, given a placebo.

In all, the health benefits of cherries and other fruits cover most of the systems of the human body. The healthy function of the digestive system, the immune system and the cardiovascular system are all linked to a healthy diet.

Cherries are one of the first fruits to ripen, but have one of the shortest growing seasons.

Whole food supplements, like the popular Juice Plus+?, are an option for people who want to obtain the nutritional benefits of cherries, whether they are in season or not. These supplements contain not only cherries, but other fruits, vegetables and grains that are vital for better human health.

Russell Cantwell is editor of http://www.whole-food-supplements-guide.com/ Visit us now to learn more about the Nutritional Benefits of Cherries and to discover whole food supplements that contains them.

MSMBadger Basketball - Under the Radar

Mon, 15 Dec 2008 14:53:15 EDT
Nice piece here by Matt Lepay, announcer for Badger Football and Basketball, on the lack of MSM attention Badger Basketball gets....

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