Major Medical Plans – Covering the Disasters Without Employer Health Care Coverage

Major medical plans are an alternative to what most people consider normal health care insurance. Major medical covers the costs associated with major medical events such as an extended illness, hospitalization, or surgery. It does not cover the cost of going to the doctor or getting a routine prescription. Most people are under the mistaken impression that the only health care insurance worth having is that which they get through an employer. But, that is actually far from the truth. People have been getting health care coverage without insurance since medical professionals went into business millennia ago.Major medical plans are an affordable alternative for many people. For younger people in good health, the extra cost of comprehensive employer health coverage is a financial burden from which they get few benefits. They might go to the doctor once a year for a physical. They might hit the doctor a second time if they get the flu or some other seasonal illness. But, the monthly costs out of their paychecks seem excessive. They are smart enough to realize they need some coverage though. That is where one of these major medical policies fit in.Major medical plans often go hand in hand with discount plans and health care savings accounts. Discount plans offer people costs savings when they go to pay for doctor’s visits or prescription drugs. The health care savings accounts provide coverage for the deductibles and other costs associated with paying for health care yourself. Having all three pieces in place provides the coverage people need without the high costs associated with an employer based health care plan. And it is scalable to what the person is comfortable paying each month. Once you get your health care savings plan up to the right level that you no longer have that expense until you use the contents of that account.Major medical plans are a good choice for people between jobs. Maintaining medical coverage makes sense. But the cost of COBRA is often too high for people to afford. A major medical policy will help cover the costs of any catastrophic event just in case until you can get an employer plan in place at your next job. If you have a chronic medical condition, you need to verify that you will not interfere with the ability to get coverage at your next employer. Take the time to get the information you need and you will reap the benefits.

Three Health Tips to Overcome the Common Cold

The common cold is one of the most common health ailments that we see each day. There can be many different signs and symptoms associated with the cold, such as coughing, headache, runny nose, body aches, fever, and fatigue. Chinese medicine has been shown to be effective for the treatment of the common cold. Chinese medical treatment for the cold can include acupuncture, herbs, and nutrition. In most cases Chinese medical treatments can resolve the cold within 1-2 days. These are three health tips according to Chinese medicine that can help you overcome the common cold.1. The first tip is one of the easiest and cost effective. When you are experiencing a severe cough with or without sputum, some chest congestion, as well as regular cold signs such as headache and runny nose, then you can simply bake an orange. Go to you local grocery store and buy a good size orange. After you go home bake the orange in the oven at 375 degrees for half an hour. When the orange is cooked you can take it out peel it and eat it warm. The recommendation is to eat a baked orange at least three times per day. This will help warm the body and get rid of the cold. The orange is especially effective when you experience more coughing and chest congestion with your cold.2. The second tip is effective when you have a sore throat or loss of voice. It is simply making a lemon tea. What you need to do is get a lemon and cut up some pieces put them in a pot of water. Bring the water with the lemon to a boil. Afterwards, add some honey to sweeten the lemon tea a little bit, then drink. The recommendation is to drink the lemon tea at least twice a day or as needed. The lemon tea will warm your body and improve your throat and voice.3. The third tip is after you have tried some other things, but they are not helping the way that you would like them to. This tip is to go get some acupuncture and Chinese medicine. Acupuncture and Chinese herbs will help you get rid of your cold almost within one day. The acupuncture will balance your body to promote your body’s self-healing mechanisms, and it will help with all of the signs and symptoms of the cold. The Chinese herbs that are indicated for sore throat, headaches, runny nose are also anti-viral and anti-bacterial. They will help you feel better and get rid of the cold virus.These three simple tips and home remedies are effective for the cold according to Chinese medicine. When you are experiencing a common cold instead of taking cold medicine with lots of side effects try these three tips first and let your body heal naturally.