Monthly Archives: December 2017

Essential Things To Look For In A Good Health

If you’ve recently decided to go shopping online for your next health insurance plan there are a few items of interest that you should really become aware of in order to get the most out of your health insurance coverage. With many of today’s insurance plans looking familiar the only real differences may rest in the coverage, rates or premiums, deductible amounts and prescription fulfillments. It’s important that you know how to distinguish between a good health insurance plan and a bad one. The tips provided in this informative article will help you accomplish that task.

Probably the best place to start is with the actual benefits that are offered in the health care plan you are currently thinking about purchasing or are researching online. Although almost every plan provides routine medical coverage it’s always a good idea to check and see what else may be offered or covered. Don’t let any additional fees or hidden costs appear out of nowhere and be leery of fees that may be due based on the doctor or health care professional you choose as your primary health care provider. Don’t hesitate or be afraid to call the health insurance provider or company in order to speak with one of their service agents in order to clarify any points of interest that you may be concerned with or have questions about. Remember it’s your health and your money that is being dealt with.

For many folks the idea of a physical exam or health screening leaves an unpleasant taste in their mouth. Unfortunately, many of the more popular health insurance provides require a pre-medical screening as a requirement before signing up for their health insurance plan or service. The health insurance companies do this as a precaution in order to determine if you have any pre-existing chronic medical conditions that may end up costing them a lot of money in associated health care costs in the future. If this stipulation bothers you then you may want to avoid using these health insurance providers and choose a company that doesn’t require a physical before rendering coverage to you.

Make sure and double check the fine print in order to determine if there are any restrictions that can be placed against you or any additional fees or costs that you will have to absorb if you require any medical attention from a health care specialist such as a nutritionist or cardiologist. Be especially wary of any health care plan that meets your initial price budget because it may not actually allow you the opportunity to see the doctors that you truly require in order to stay healthy.

Unlike indemnity health care plans (which were once immensely popular) today’s more common health coverage plans are based around an HMO or health maintenance organization which basically means the insurance company provides you a list of hospitals and doctors to choose from as opposed to letting you pick your own primary health care provider outside of the health care network.

Finally make sure that you completely understand the prescription drug policy portion of your health care insurance policy. Find out if you are able to use name brand prescription drugs or if you are regulated into only using generic drugs. Other minor feature to look for in a good health insurance plan include coverage for any vision or eye related consults and any type of dental coverage.

Good Health to Us All

The key to good health is a nutrient-rich diet that promotes well-being and reduces the chance of diseases. The cornerstone of good health is good food. Fine health is something we take for granted when we have it and strive for when we haven’t. Being healthy is something we all should cherish. Another important component of health is regular exercise and a positive mental attitude. Staying healthy is a fusion of mind and body. Keeping our bodies in a good state is something we should pay close attention to. Health is one of the essentials for a happy life. Making positive choices in your diet every day promotes good nutrition and fine health and may reduce your risk of some types of cancer. Use the Nutrition Facts Label on packaged foods to make a healthy choice. Good nutritive knowledge and proper nutrition is vital for good health. At the very basic level, nutrition is important for normal growth and development, and for maintaining a healthy body. Nutrition is the cornerstone of good health.

By forming a base of good nutrition you may reduce your risk of certain chronic diseases. Good nutrition means a daily consumption of foods in appropriate amounts. You know how important exercise is, right. Experts suggest children need at least an hour of daily exercise and a healthy diet. Did you realize that less than 15% of all kids get enough good exercise each day? Exercise is a vital component for staying healthy, especially as you age. Regular exercise and healthy eating are fundamental to good health – so is choosing the right physician. Vigorous exercise involves minimal health risks for individuals in fine health or those following a doctor’s advice. One example of the benefits of exercise is an aerobic workout which has long been shown to reduce the incidence of low back pain.

The Price of Good Health

To paraphrase the scripture “What Profit a man if he loses his good health”. Our good health is taken for granted, and we usually feel unhappy when our health fails. What to do, “alas, alack, I don’t feel well, my health is failing”. What do we do – why, off to the doctor we go. Consequence outside a quick recovery often involves tests and examinations, consultants, and chemists.

Now, if your nation or employer does not provide cover to pay for those extra services and drugs you may find the biggest ache you have is in your wallet. Writing this in the UK at this time the author is aware of moves by government to reduce access to a range of health services, with the real cost to be borne by the ill and needy. This not to say the poor will be so treated, but certainly, if you can pay then you will find you will be paying a lot more for your health care. Be aware, this is a recurring theme over the decades past, and will certainly continue to recur in the future

Another common expression is “your greatest asset is your good health”. Most people expect good health, yet do little or nothing to try to ensure that their good health continues. For instance, dependence on fast foods, processed foods, and widely recognised as “unhealthy” foods is not uncommon – just because it tastes good, is easy to get, and “fills the hunger need”. What we have as consequences include the well recognised “muffin-top” figure, obesity, and poor health in its many guises. Another segment of the question of good health continuance is the food chain in general.

Farmers are now looking to add minerals to their cropping areas to try and correct what is the mining of the soil by crops – taking up minerals as part of the growth of the plant.

The task here is that the farmer is not in a position to add the trace and ultra-trace minerals – unless he/she is using seaweed, for instance. Yes, the sea is a great source of all minerals and like the dry-ground crops, seaweed is also taking up minerals from its environment.

Well, there just is not enough seaweed to fill the need in the short-term, let alone the economics of adding seaweed to the cropping areas.

What to do about this.

Strangely enough, food is a critical element in our survival, but we need to be mind-full of the nature and quality of what we eat. Organic farmed food does offer hope in respect to quality, but there is always a cost – and there are other factors impacting on the food chain, even if we take the organic route.

For instance, elements such as omega6-rich cooking and salad oils are impactful in questions of inflammation. Inflammation is a precursor to degenerative disease of the joints. More on this can be sourced from the link below.

It is clear that if we (I, the individual) do not act to protect our health at the base-line level we are definitely on track to high-cost part-health maintenance.

“An ounce of prevention is worth a ton of cure” is very clear, and so the question is –

Do you want Good Health by investing in yourself and thus being in control, or part-health and being the investment of others, and in their control.

What’s The Definition Of Physical Health

Let’s begin with a good health definition in general. The WHO health definition (World Health Organization), albeit from 1948: “Health is a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity”. Assuming that’s true, what’s the definition of physical health and does good health naturally mean that “all natural” is good, especially as it applies to food?

What’s the definition of physical health?

Is there one?

Based on the WHO health definition as it applies to physical health, is it safe to say that simply because everything is working as it should in the absence of disease or infirmity (weakness or ailment), that we’re not necessarily in good physical health?

What do you think?

I personally believe there is more to being healthy in the moment. On the other hand, I also believe that because we are only guaranteed the present, if you’re healthy, don’t take it for granted. Enjoy it while you can.

I also believe the state of our physical health depends largely on our personal health plan. In other words, it depends on how well we take care of ourselves on a regular basis. That includes:

  • Eating habits
  • Exercise habits or lack thereof
  • Sleep habits
  • Spiritual habits
  • General living habits

Without seeming as though I am a pundit, expert or zealot about any of the aforementioned, that I am personally the definition of physical health, the definition of spiritual health, or anything that resembles the definition of good health, in a nutshell, what I’m saying is all the bullet points have a bearing on our physical health.

What do you think?

It’s about good health

One dictionary provides this definition of health:

“The general condition of the body or mind with reference to soundness and vigor: good health; poor health.”

The ancient Roman poet Virgil said, “The greatest wealth is health”.

I couldn’t agree more but I am a bit troubled by the amount of over-emphasis placed on physical health, as if it is mutually exclusive from the other aspects of health.

I believe health is about:

  • Physical
  • Mental
  • Emotional
  • Spiritual
  • Financial

The “soundness and vigor” in which we pursue and maintain these factors has a direct and indirect effect on each and every one of the factors.

Furthermore, I find it troubling that the word wealth is so overly associated with money and financial wealth.

It’s not to say that I don’t see the importance of physical health and financial wealth. They are both key components of overall health but they are not stand-alone concepts.

What are your thoughts?

All Natural

The “all natural” phenomenon, especially as it applies to food, is one of the biggest marketing ploys ever. If it’s not a scam, it’s a joke.

It means nothing!

There is a HUGE difference between organic and all natural. Don’t confuse the two and by all means don’t fall for the propaganda that leads you to believe they are one and the same. They’re not.

Organic, at least as it applies to food, is highly regulated. It actually means something. However, keep in mind that just because it’s organic doesn’t necessarily mean it’s healthy.

All natural can mean pretty much anything. As far as the food we eat is concerned, it is not regulated. It is a highly misleading tag.

Don’t be fooled.

I’m not saying don’t enjoy it. I’m not saying all natural is bad. I’m simply saying it’s about as superfluous term as there ever was. There is no depth to it.

My formula

For me, it all boils down to a few simple concepts and principles beginning with:

  • Honesty
  • Respect
  • Best Effort

These are indispensable. They cost nothing and should be applied at all times.

Next are the 5 F’s:

  • Food – Not just what we eat but includes anything we consume physically, mentally, emotionally, and spiritually. If we are what we eat, this says it all.
  • Fitness – Includes all the 5 bullet points mentioned above
  • Finances – Affected by the previous two and affects the previous and next two
  • Fulfillment – It’s about completion and includes all the bullet points mentioned
  • Fun – The importance of how it affects health and is affected by it is often overlooked

I have tagged the 5 F’s as the components of a bulletproof life.

To sum it up, all the above is important but the proper balance is the key. I believe too many of us are simply out of balance. Furthermore, there is not a one-size-fits-all balancing act.

Last but not least, from the late, great Redd Foxx:

“Health nuts are going to feel stupid someday, lying in hospitals dying of nothing.”

Agree? Disagree?

Leave comments.

Bob is a retirement planning and safe money professional who specializes in life insurance products and who has more than 20 years experience.

His company, A Bulletproof Life is the 5 F’s: Food, fitness, finances, fulfillment, fun. and is based on his motto: Honesty, respect, best effort

Plan Your Dream or Prepare for a Nightmare.