Catastrophic health insurance is a basic medical policy that provides financial coverage and security for severe medical conditions. A plan of this kind usually features benefits that cover expenses for medical specialists, an extended stay in the hospital, transportation between medical facilities, etc.

The Pros
Along with practical benefits provided by a catastrophic health guide insurance, the peace of mind it brings is also of major consideration. With such an insurance plan, you will no longer have to worry about your whole family's medical bills being left unpaid.

Also, many catastrophic health plans offer considerable benefit payments for a lifetime. The payments usually range between $1 million to $3 million. In the event that this cap is reached, the policy will be deemed void and the insurance company will no longer pay for medical expenses you incur.

Premium payments for catastrophic health coverage are generally lower than that of comprehensive coverage.

This type of plan also grants support for frequent travelers in the unfortunate event that they experience a health emergency while they are away from home.

The Cons
Although this type of plan typically costs less, it also offers a smaller number of benefits compared to comprehensive coverage. For example, catastrophic health plan does not afford coverage for expenses made on chronic health maintenance, except those that were acquired as a result of a catastrophic event.

Most catastrophic health plans also do not afford coverage for pregnancy, while others do not offer coverage for maternity for a whole year after the policy's effective date.

Further, catastrophic health plans are not offered to people who have pre-existing conditions. These conditions include AIDS, diabetes, emphysema, heart disease, multiple sclerosis, schizophrenia, etc.

Finally, although it extends benefits to frequent travelers, some catastrophic insurance plans will not be honored when used outside the United States.

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Today's world is totally based around computers, TV and other electronic visual elements that affect eyes with their harmful rays .Eyes are the most essential part of the body and much sensitive too.

When you sit in front of the computer whole day watching TV, reading books or when your eyes get exposed in pollution, it affects eyes very adversely. It makes your eyes look over worked and tired. In the busy life schedule give some relaxation to your eyes, spend 15-20min every day on eye exercise, and wash your eyes daily with clean and cold water.

It is important to cure your vision before it take chance to develop bad effects. Prevention is definitely better than cure. So what you can do for your eyes?

* Give proper relaxation to your eyes
* Do not expose your eyes to sunlight, wear sunglasses
* Wash eyes with clean and cold water regularly
* Take a layer of cotton dip into cold milk and put it on your eyes it will give relax to your eyes and also remove dark circles.
* Cotton layer dip into Coconut oil and rub it out skin of your eyes it gives nourishment and shine to your eyes.
* Take regular eye exercises.
* Take proper vitamin containing food and green vegetables.
* See greenery till five minutes it will increase your vision.
* Minerals and many eyes drop product can take care of your eyes.
* Dust particle can be harmful for eyes so clean your eyes daily

Which supplements or vitamins are the best for eyes?

Vitamin A -it helps from many eye disorders; lack of vitamin A can lead to corneal ulcer and night blindness

Source of vitamin A: - carrots, sweet potatoes and liver and many green vegetables.

Vitamin C -need to reduce the pressure in glaucoma and slow down the affect of degeneration.

Source of vitamin C: - fruits like oranges, strawberries, rosehip and broccoli, bioflavonoid and much more.

Vitamin E - It helps in the risk of contracts and muscular degeneration.

Source of vitamin E - Some rich foods are Dry Fruits and nuts like almond and hazelnuts and many more

Zinc: -Found in red meat, oysters and wheat.

As you all are aware that "Improper Diet is the Root to many diseases". So First of all if you take health care of your diet and take proper Vitamins and foods, mineral, water green vegetables, it will give a direct relation in nutrition and vision of your eyes.

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Would you like a dental plan for your entire family that costs less than $200 a year and can save you thousands on your dental bills? Take a few minutes and read through this brief article. It might give you a new insight on dental insurance and save you some money.

I know that you would you like a PPO dental plan with no waiting period that will cover all of your dental work. But, if you have tried to find one, you already know that such a plan does not exist. The PPO dental plans that are available are absurdly expensive, will not cover major dental work for one year and have a cap of $1,000 or less.

If you are a careful shopper and do the simple math, you will realize that unless you need a significant amount of dental work for the next few years, you will come up on the short end of the stick each and every time.

The companies that sell dental insurance and dental plans make an enormous profit on the plans. They do this by using the following methods, which you should be aware of:


1. They do not cover major dental work for at least one year. On some plans, they will make you wait 6 months to a year before they will even cover a filling. Or they will cover major work at a reduced rate (i.e. 10% coverage) during the first year and then advertise "no waiting period".

2. They put a cap on the amount they will pay out in a year. Usually it is $750 to $1,000.

3. Most plans have deductibles. That way, you pay for most of your cleaning or routine checkup.

4. They sometimes use a "usual and customary" payment schedule. In other words, they pay out $35 for the $75 cleaning.


However, in spite of all these loopholes, there is one type of plan that still makes sense.

Let me say a word about dentists before I continue.

It should come as no surprise that any dental or medical practice is first and foremost a business. You cannot blame the dentist for operating his or her practice in a way that will yield the highest profits. Dentistry is hard work. They do not sit around taking your medical history and ordering tests. It is a physical job.

I do not want to tell you that you should change dentists just to get a discount. That is up to you. But, many dentists will not accept any type of discount plan at all. If your dentist wants to charge you $1600 for a crown and a root canal and you can have it done for half that amount with a dentist who accepts the network fee schedule, you have a difficult decision to make.

Why I Like Discount Plans

I am a coupon guy. Yes, I admit it. I clip coupons for things I buy regularly and love the restaurant coupons. "Buy one and get on free" gets my attention. So, it is natural that I am attracted to dental discount plans. But, there is plenty to like about them.

- These plans generally cost less than $15.00 a month for the entire family. If you use a dentist in the network, you will get significant savings on all of your dental expenses.

- Some plans offer free cleanings, exam and/or x-rays.

- There are no waiting periods. You can buy the plan and in a few days visit the dentist.

- There are network dentists in most states and cities.

The Downside

If your dentist told you to find a PPO dental plan because that is all they will take, your dentist will probably not be a discount plan network. You will either need to find a new dentist or reach into your savings.

Specialists are not included in the discount schedule. You will find fine print that says network specialist offer a flat 20% discount. Still, better than nothing.

That is it. There are no other negatives that I can think of. It is like having a "Buy One, Get One Free" coupon for the dentist.

Finding a Discount Dental Plan

Fortunately, there are literally dozens of discount dental plans. Some are regional and work best in a particular city or state. Others use large national networks.

The best site we have found for dental plans is dentalplanadvisor. Just put the www before it and the dot com after it to go directly to the website. Or you can find the address in the resource box at the bottom of this article. They have numerous dental plans including discount networks.

Martin Unger is a nationally known expert in health guide insurance. He started flquote.com one of the first online health insurance agencies in the United States.

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Mental health is not merely the absence of mental illness, but it also the ability to cope with the challenges in life. Mental health guide is as important as physical health to everybody. Youths usually experiment with attitudes, appearances, and behaviors. Most of their experiments are harmless, but some experiments may have terrible results. Children and youths experience mental health problem such as stress, anxiety, harassment, family problems, depression, learning disability, etc. Serious mental health problems, such as self-injurious behaviors and suicide, are increasing among youth.

A good mental health is essential for leading a good life. Youth cannot succeed in academic and personal life effectively if they are struggling with a mental health problem, such as depression or unsteady feeling due to academic, social or family pressures.

Failure to detect youth's mental health problem may result in negative consequences such as increased risk for academic failure, social isolation, unsafe sexual behavior, drug and alcohol abuse, suicide attempt, unemployment, and poor health. A recent report says, The rising rates of mental and emotional problems among U.S. children and youngsters signal a crisis for the country.

Depression, anxiety, attention deficit, conduct disorders, suicidal thinking, and other serious psychological problems are striking more and more children and youths. Conservative estimates say one in every ten children and adolescents now suffers from mental illness severe enough to cause impairment." Even if detected earlier, unfortunately many children and youth do not receive the help they need. Some reports are there that most children and youth who need a mental health evaluation do not receive services and that the rates of use of mental health services are also low.

Parents and adults must take care of the youth's mental health. The parents and adults must talk with the youth, be a good role models to them, advice them to choose good friends, and monitor their activities.

There is a growing and unmet need for mental health services for children and youth. Mental health services are important for student's and youth's success. Prevention programs help in early identification of mental health problems in youth. These programs provide education on mental health issues, violence prevention, social skills training, harassment prevention, suicide prevention, conflict resolution, and screening for emotional and behavioral problems. The Family Guide Web sites are designed for parents and other adults to emphasize the importance of family, promote mental health, and help prevent underage use of alcohol, tobacco, and illegal drugs.

Good mental health is very important for youth's success. In order to emphasize the importance of mental health in youth, the following steps can be taken: Create awareness of child and youth mental health issues; provide a comprehensive guide for effective and meaningful youth meetings for organizations and professionals; and Conduct programs to generate awareness about youth's mental health in each communities. Awareness about the importance of mental health issues among youth equally important to other physical issues, such as heart disease, AIDS, cancer, etc. Local and state health officials must draw more attention to the importance of mental health treatment of affected children and youths.

Attention to youth's mental health will more effectively improve their life standard. This also positively impacts their academic and personal life achievements. The families, society and youths benefit only when mental health problems in youths are identified and prevented earlier.

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Scabies is an infectious skin disease which is caused by mites. Scabies mites lay eggs, reproduce and grow on the skins of human (mostly men). These mites can cause severe itching, skin rashes and lots more damages to the skin. Sometimes itching extends up to several years as they rapidly spread on other parts of the skin. That is why; scabies is also termed as "Seven-year itch".

Scabies symptoms are pretty similar to eczema, psoriasis, insect bite and other skin irritations. Therefore it gets difficult to diagnose scabies.

Diagnosis of Scabies

Mites make burrows on the skin and can be detected. Doctor will put mineral oil (few drops) onto any burrow and scratch out little portion of the affected skin. One can see mites, their feces and eggs through microscopes.

In some cases, mite burrows are not easy to identify. In that case, apply blue black ink on the skin. While applying ink, you will notice that ink is clotted at some portion and rest is blotted away. The clotted portions are the burrows made by mites. In addition, after applying ink, burrows attain their original color.

Another method of diagnosis is wood's light. In this method, a particular antibiotic solution is put on the skin and later skin surface is wiped. The solution's specific light wavelength makes burrows visible to the doctor.

Skin rashes and high itchiness are also scabies's characteristics.

Treatment of Scabies

Scabies is a rampant disease but not incurable. There are loads of effective medical treatments for scabies available. Scabies can be treated with medical lotion, solutions, creams, medicines and others. Even self care at home can be advantageous.

However, prevention is the best treatment of scabies. Try to avoid contact with the affected person. Don't share cloths, bed sheets or intercourse with the affected person. Stay clean and hygienic as much possible.

If someone is suffering from scabies, regularly change his underclothes, bed sheets, etc. Clean their clothing in boiled water. Also, treat the person having contacts, sexual contacts etc with the affected person, preventing him from the infection.

Get complete information on diagnosis and treatment of scabies, visit online men's health guide to browse more on common health care diseases in men.

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Do you know how much difference your diet can really make to those painful arthritis symptoms? Find out more about top natural arthritis remedies, hints and tips. Feel those painful, stiff, joint pains gradually fade away...

Around this time of year, as the weather starts to get cold and damp, you might be starting to feel those old aches and pains rearing their awful head...

It's tempting to reach for the pill bottle, but after a while, the pills won't work ... you need to find a natural remedy instead ...and one that works really well!

Your aches and pains may be a symptom of arthritis. Did you know that there are more than a hundred different types of arthritis? So this diagnosis does cover quite an array of different conditions.

Arthritis, of any kind, is a swelling in the joint. This swelling and inflammation causes pain, stiffness, difficulty in movement, redness and heat.

It is not known precisely what causes arthritis. Some factors which may play a part are hereditary factors, diet and lifestyle, a previous injury, or stress on the joint, allergy, a viral infection or an immune disorder.

Of course, with so many different factors involved, this means it can sometimes be difficult to pin down the exact cause of your arthritis, or decide on the best remedy to choose.

Your diet is a good place to start. It is quite possible that aspects of your diet may be causing your arthritis - or just making it worse. This might happen even if you normally eat a very health guide diet.

There are certain foods that should definitely be avoided if you have arthritis. Some of these are the 'usual suspects' such as refined and processed foods, sugar, salt, red meat and dairy produce. Drinks such as coffee, tea and alcohol should be avoided where possible - and, sadly, chocolate too! Other foods to be avoided are potatoes, tomatoes, aubergines, spinach, peppers and acidic fruits such as citrus fruits, rhubarb and strawberries. These, seemingly healthy, fruit and vegetables can actually have a very big effect on your arthritis symptoms.

The other foods which you should avoid, are any foods which you are allergic to. Take a simple test to discover the foods you may be allergic to or intolerant of - and then try cutting these out of your diet for a while. (You can find the hair analysis test I used on my website - just see the link at the end.)

Well that's enough about what you can't have...! What about the foods you can eat, and that are actually good for your arthritis. You will be pleased to discover that these do actually exist!

Of course, your diet should largely be based on the usual principles of a health diet - boring maybe, but necessary - you'll feel so much better! This is a diet based on wholegrain cereals, and plenty of fresh fruit and veg. If you can include raw fruit and vegetables in your diet (such as salad), this will be even more beneficial.

Include a small amount of fish, chicken and eggs - and a small amount of goat's milk products (if you are not allergic).

Other foods you should try to incorporate regularly are fresh (not tinned!) pineapple (it is the fresh enzymes in pineapple you need, which are destroyed by long term storage). Also try fresh juices made from carrot, beetroot, celery and cucumber. Celery juice, especially, is thought to be very beneficial as a natural remedy for arthritis, so you should aim for drinking some every day.

Swapping your usual cup of tea, or coffee, for anti-oxidant filled green tea should also help to alleviate those painful arthritis symptoms.

Of course, your diet isn't the only natural remedy for arthritis. There are lots of other options too. There is a whole range of supplements available, plus effective herbal remedies.

There are also the holistic remedies that many people swear by. These are treatments like acupuncture, yoga or t'ai chi, reflexology, osteopathy or chiropractic, aromatherapy and a whole array of relaxation remedies, as well as magnetic therapy bracelets. (I swear by magnetic therapy bracelets to help cure my own aches and pains - again find out more on my website - see the link at the end).

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Graduation from college is a vibrant and exciting time, full of adventure and yes, fearfulness. So many new choices and changes can be stimulating and thrilling but leaving some pieces of the past can be very scary. One of the things you leave behind when graduating is health insurance. Those great plans that the university offered or extended coverage from Mom and Dad's policy helped you put off the insurance crisis for 4 years. But now you are in the "real world" and you have to find insurance. There are no Cliff Notes or Dummies books that are going to solve this problem for you. But there are people, like the professors who guided you through years of academia, who can navigate the world of health insurance and find the right health guide insurance for you.

With 7% to 8.2% of recent college graduates unemployed one year after graduation it may be time to consult a health insurance specialist. If you are still unemployed or under employed six months after graduation you may not be able to count on the possibility of an employer sponsored health plan soon. But that doesn't mean you are out of luck. There is a big world of insurance out there and most of it doesn't depend on employer offered health insurance.
health care plan that will cover major illnesses is the best route to take. Your medical history and current health will be a major consideration and your health insurance specialist will guide you to the carrier that has the right plan for you. After all, the health insurance specialist's career and success depend on building a satisfied customer base, not a one time sales commission. Health insurance specialists have made a career out of guidance and finding just the right coverage for you. They have researched, studied, and written about the world of health insurance and are not simply sales people. The difference is commitment, dedication, and passion to a seamless experience in obtaining health insurance.

When you had trouble in Calculus you didn't go to your Accounting professor for help. When you locked yourself out of your dorm room you didn't go to Campus Health Services for help getting back in. Going to the right person for the right help is one thing a college graduate knows best, so use this knowledge to go to the right person for health insurance help. Don't go to your best friend, or the newspapers, or the yellow pages. Do your research and find the best health insurance specialist you can and let them help you navigate Health Insurance 101. With the right information, direction, and guidance you will pass with flying colors and make the passage into the insured adulthood in a way that will make Mom and Dad proud!

Arthur "Butch" Zemar is a health insurance specialist and author. He is committed to preserving the health and wealth protection interests of his client and sincerely believes that quality, affordable health insurance should top your list of necessities - right after food, shelter and clothing. With his passion of working with professionals and entrepreneurs, he has established a reputation as a health insurance "specialist" with a deep understanding of the industry, the options and the most intelligent and cost-effective ways to obtain and maintain comprehensive health care.

After years of studying, reading, and working with several mentors in the field, Butch Zemar is now making presentations on the options and services of the health care industry. He is committed to clearing the "fog" on subjects such as: deductibles, out-of-pocket expenses, Health Savings Accounts, and co-insurance rates.

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