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World Heart Day | “Heart disease and strokes claim 17.1 million lives each year”

National activities such as public talks, health screenings, walks and runs, concerts and sporting events are taking place across the UK, Europe and beyond to mark the day. You can find out whats happening near you by visiting the activities page of the World Heart Foundation website. But its argued that the real action should be taking place at the household level. After all, home is where the heart is.

One of the core messages of World Heart Day 2011 is that lifestyle changes at home can make a significant difference to the risk of having a stroke or contracting heart disease. The benefits of stopping smoking, eating less saturated fat, exercising regularly and knowing your cholesterol levels are made abundantly clear on the World Heart Federation website. Its worth if you get five minutes, especially as it could potentially add years to your life.

As medical travel insurance specialists, we insure travellers who have had a stroke or are living with heart disease on a daily basis.

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Car Insurance for Young People

Finding cheap car insurance for young drivers is unfortunately a rather complicated task. This is because most companies are wary to insure, mainly because of the high accident rate levied on this group. However, using our insurance comparison you can find out in just 3 minutes which insurers would be willing to take cover, including a detailed analysis of coverage and prices.

Young people, especially those aged between 18 and 25 years, who bear the higher insurance premiums, which can reach up to 400% higher that of older drivers in the same circumstances. The reason is that insurance for teens are those that generate higher spending per policy to the insurance companies since, according to statistics, recklessness and lack of driving experience for children under 25 years have increased the Chance a traffic accident.

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7 Misconceptions about Health Insurance and Health Care Reform

Health insurance is confusing but since it became a political target with health care reform there are now more misconceptions about getting a policy.

Here are a few debunked health insurance misconceptions:

1. The cheapest health insurance policy is the best. The cheapest policy does not mean that it is the best option for your health care needs. It’s better to find a policy that is good for your budget and health care needs.

2. The plan with the lower monthly premiums and highest deductible is a great option. Find a plan with a deductible that you could meet if there is an emergency or hospitalization. Some deductibles are so high that people can go into medical debt even though they have health insurance.

3. I

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Life Insurance and New Years Resolutions

Most of us make New Years resolutions every year, but how many people include life insurance in their resolutions?  There are many resolutions we all have in common lose weight, exercise more, quit smoking, drink less alcohol, spend more time with the family, spend less, save more, etc., etc.

Many people have get my financial house in order as a general resolution.  However, what does this mean?

• Unless youre the Federal Government, this would include getting your budget in order so that your expenditures are less than your income (sorry, I couldnt help the easy dig).
• If you have an IRA or other retirement plan, its always a good idea to review your investment mix and modify it, if necessary.
• The end of the calendar year is a good time to start pulling together the financial records you will need to file your tax returns (actually, its a good idea to look at it before the New Year so you can take any last minute deductions available to you.
• Time to review your insurance policies, including home, auto, health, disability and life insurance.  Is your coverage for each adequate or too much or not enough?  Regarding life insurance, if you have had a change in income or significant life changes (marriage, new child, changes in employment) you might want to review your policy with your agent to see if any changes are necessary.

If your insurance agent offers to review your policies, take him/her up on it.  We recommend doing this annually and what better time to do it than when youre making your resolutions?

Medicaid payments endure another round of cuts

About a dozen states have announced budget cuts by reducing payments to doctors, hospitals and other health care providers that treat the poor. The cuts, most of which went into effect July 1 or will later this month, could add to a shortage of physicians and other providers participating in Medicaid.

Cutting payment rates further is a depressing prospect in a system that is already in bad shape. Some states, such as South Carolina, are already experiencing severe Medicaid doctor shortages. Insurers and employers are also concerned about the cuts, as it inevitably means raising prices for private insurance to help offset the Medicaid burden.

“It’s always a concern that when providers get less from Medicaid, that they will shift the costs to private insurance so families and employers pay more,” says Robert Zirkelbach, a spokesman for America’s Health Insurance Plans, an industry group.

States reducing Medicaid payments to physicians this month are Colorado, Nebraska, Oregon, South Carolina and South Dakota.

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Related posts:

1. Are price comparison websites leading consumers astray?
3. Whats new in the travel bloggersphere? Its time for the World First Weekly Wander.
5. World First Weekly Wander: 20th June 2011

What Are My Over 50s Life Insurance Options?

As we age, we become more aware of our mortality and the need to ensure that those we love will be looked after when we are gone. For many people, the age of 50 is when they first begin to think seriously about what will happen when they are no longer able to care for themselves or for their loved ones, and as a result, over 50s life insurance slowly changes from something people think of for their parents to something they think of for themselves.

However, not all kinds of insurance for people over 50 are the same; there are a lot of options to consider, and making the right decision can make a difference in the amount of care and coverage that is provided to ones family members after ones passing.

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Reasons to Review Your Health Insurance Policy

Throughout the years, you may realize how quickly your health care needs change. It’s important to review those changes and make sure that your current coverage is exactly what you need from a plan.

1. Your premiums have gone up every year.

If your premiums keep increasing, try switching to a new plan. When purchasing coverage, you are put into a “pool” with other individuals. As that pool gets older and sometimes more sickly, then the health insurance premiums will increase for the entire pool.

2. You haven’t gone to the doctor in three years.

Many people may think that since they haven’t gone to the doctor in a long time they can cancel their policy. It’s not a good idea – no matter how healthy you are but instead of getting rid of coverage completely try switching plans that are more economical. Switch to a p

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