Sex, Health, Diet Info

Whether you already know it or not California has a lot of options for health insurance. There are companies that we all heard of and there are some companies that we never heard of. With all the Health Insurance Companies out there you might be wondering what the differences are and which one is right for you.

First in state of California the health insurance companies you should be looking at are; Aetna, Assurant, Blue Cross, Blue Shield, HealthNet, Kaiser, Nationwide, PacifiCare, Celtic and new company that is going to be available in state of California is Golden Rule. These are the largest carriers that are available in the State of California. If you are looking at any other company that was not mentioned previously, use caution. With all the health insurance premiums going up there are companies that prey on people with low premiums and coverage that does not cover anything. They are just out there to make a quick buck buy collection as much premiums as they can before you cancel your coverage. Stay away from companies that you never heard of, not matter what they tell you. If you hear something like, ?affordable health insurance for self-employed?, run.

Second what you have to understand that the actual cost of insurance no matter what company you go with is about the same. So how do insurance companies have so many different plans with different premiums? If it is a large insurance company and the company ran efficiently that is how you get great premium with great coverage. What creates variety of prices for coverage is the creative aspect of the insurance company designing their plans. The way they do it is by deductibles, co-pays, co-insurance, drug coverage deductibles, whether the plan covers brand name drugs or generic drugs only, maternity coverage, maximum out of pocket, deductible and co-pays for all kind of different services.

The name we all know is Blue Cross Blue Shield. Blue Cross has been around since the recession of 1929, and it used to cost only 1 cent a day. The times have changes since then, but the Blue Cross name is still around. Blue Cross has been over the years the most stable largest health insurance provider in the United States. Their strategy is to keep rates stable and have stable rate increases. While most other plans might lower their rates to get more people on their coverage and then keep increasing their rates. There fore as some plans might be more attractive in premiums at the moment over time eventually they have to catch up with the actual market health insurance rates. Sometime the company has to charge people more for health insurance in the future so they can give more affordable rates today. Blue Cross will give the one of the largest varieties of plans to choose from and you can always downgrade a plan without going through underwriting is the monthly premiums because to expensive.

The most competitive health insurance coverage you will be able to get in California today is through Aetna and once Golden Rule plans come out by United Health Care then Golden Rule plans are going to be the most completive plan. Every time most of the large insurance company enters a new state with a new plan they make that plan more combative just to capture the percentage of that market eventually the company will have to raise their rates to the market level. Aetna plans in California are the most competitive. This is where you can get the most coverage for your money. Keep in mind that the Aetna Individual plans in the state of California do not cover Maternity.

Assurant Health Plans is provided through Fortis Insurance Company which is the 26th largest company in the world and Fortis Insurance Company has been around since 1892. Assurant Health Plans are the most widely accepted and flexible plans that are available on the market today. Assurant Health Plans utilizes dozens of provider networks Nationwide to give you the worlds largest selections of doctors in United States and worldwide. Assurant Health Plans are the only plans that will cover you world wide as they will cover you in the United States. There is a big difference when insurance company says that you are covered for emergencies worldwide. Insurance company can make a final decision on whether that was true emergency or not. Assurant Health Plans have no such restrictions. Assurant is the only company that will allow you to move to different state without going through underwriting process all over again. That meant that with most companies even if it is a same company if you move from one state to another you have to cancel you policy in the current state and re-apply in the state that you are moving to. The down side with Assurant in some states is that they are not the most competitive and harder to get approved for. If you considering HSA plan Assurant is the best options available to individuals and families.

Blue Shield of California is great coverage especially if it is young family looking for a plan with maternity coverage and for a family where one of the adults on the plans is significantly younger than the other. Blue Shield bases their monthly premiums on the youngest primary policy holder. This can be any adult in the family. Blue Shield plans have low maximum out of pocket and wide acceptance with doctors. A lot of doctors in state of California prefer Blue Shield plans because Blue Shield reimburses them faster than most other insurance companies. Keep in mind that in some states Blue Cross and Blue Shield are the same company in state of California they are two different insurance companies competing for your business.

HealthNet of California is the insurance company available in western states. HealthNet family plans are affordable, have some of the lowest maximum out of pocket and designed for healthy individuals and families. The new line of plans form HealthNet are their popular no deductible PPO plans. Which are not the greatest plans for families. No deductible plans are not designed for families since they have extremely high maximum out of pocket witch might be a great fit for single healthy individuals. HealthNet of California also offers some of the best HMO plans available on the market.

HealthNet simple design and affordable plans are perfect match for healthy families. The way their family plans work is that once you meet your deductible HealthNet will pay 100% for all of your medical expenses after that. The down side is that their family plans do not cover regular sick doctor visits. The money that you are going to save monthly is going to be way worth no having doctor visits covered until the deductible is met. All you will get is negotiated rates that HealthNet has with doctors and hospitals. Your doctor office visits are going to cost you anywhere from $65 to $65 per visit.

Nationwide Health Plans have some of the great unique options that other plans just don?t offer. The only way you can get Nationwide health plans is by being a member of California Farm Bureau. Anyone can become a member of California Farm Bureau also know as Farmers Association. Because it is a group plans it has some options available that most individual plans do not have. You still have to qualify medically to get health insurance through Nationwide. Nationwide offers some of the most comprehensive health plans available on the market today. Nationwide health plans offer low maximum out of pocket. Some plans that they offer work similar to the way HealthNet?s plans work. Once you meet your deductible nationwide covers everything at 100% and Nationwide plans cover doctor visit before you meet your deductible and Nationwide is the only health insurance company that has no prescription drug deductible on most of their plans. If you are looking for the most competitive HSA plans, Nationwide will be your choice.

PacifiCare is company that has been available to Californians for a long time until recently they were bought by United Health Care. PacificaCare will be replaced by Golden Rule health plans. If you have PacifiCare you might want to find out if you will have to re-qualify medically for new health insurance once they take the company of the market. Golden Rule owned by United Health Care witch known as the quality company and recommended everywhere. If you are considering PacifiCare I would wait for Golden Rule or get something else.

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Watch this video for a demonstration of “How To Diet Like a Man”. Tocomplete the task, you will need: Strength training Protein snacks Physical activity Get started with the first step: One reason men can drop weight just by ignoring the Buffalo wings for a few weeks is because they have more lean body mass. But women can catch up by strength training. The more muscles, the faster your metabolism. For the complete guide, go to www.howcast.com Also check out Howcast for other do it yourself videos from SheriffThompson and more videos in the Weight Loss category. How can you contribute? Create your own DIY guide at www.howcast.com or apply to the Howcast Emerging Filmmakers Program at www.howcast.com

One of the advantages of reaching midlife is that we are finally finished with all those issues that make childhood and adolescence such a pain in the neck, such as needing set bedtimes as well as  regular dental and eye checkups; having to worry about using protection during sex and about cigarette smoking; getting all those shots to prevent diseases and wearing helmets to prevent sports injuries; needing to eat all our vegetables and avoid sugar as well as not missing gym class. What a relief to let these issues fade right along with our memories of tetherball on the school playground!

Not so fast. Would it surprise you to know that you still have to be aware of each and every one of the above so-called “child/adolescent” health issues?  

For instance, what about set bedtimes? The obvious reason that we needed enforced, regular  bedtimes each night was so that we would get enough sleep. Being tired and sleepy the next day in school caused everything from lousy concentration to crabby moods. Now that we’re in midlife, many of us believe that sleep is no longer an issue. This is not the case at all. It’s still essential to our health and wellbeing. Recent studies have shown that not only do sleep disturbances often indicate a serious health problem, but that lack of sleep can actually cause health problems, such as weight gain. Polls have shown that nearly two thirds of adults over the age of sixty-five have sleep complaints, but that less than 15 per cent of them have been formally diagnosed with a sleep problem. Why? Because we don’t mention sleep problems to our health care providers. Our mothers were right — we still need to be concerned about our bedtimes.

Once we’ve gotten the glasses we need and all our baby teeth are gone, we no longer need to get regular eye and dental checkups as we did in our younger years, right? Again — no. Although our vision does remain stable from young adulthood until we need bifocals, there are common eye diseases that begin to occur in midlife, and that can lead to blindness if not diagnosed.  And even though we no longer have our baby teeth,  other dental issues take the forefront upon reaching midlife, such as gum inflammation which has been shown to be associated with diabetes and heart disease. So, continued regular dental and eye checks are as important as in our younger years. 

And what about sex at midlife and beyond?  We’ve moved from groping and being groped in the backseat of the car to more sophisticated maneuvers in a comfortable bed, and finally, finally no longer have to worry about pregnancy. So we don’t need protection; or so many of us think. Although it’s true that once menopause arrives one can’t get pregnant (warning: make sure you have completed menopause before assuming this as diagnosing menopause can be tricky),  protection is still needed during sex because of sexually transmitted infections (STIs). Yes, we can still get those, and in some cases are even more prone to becoming infected after menopause, even after a hysterectomy. And even though we’re past the childbearing years and our reproductive organs seem to have no further use, we still need regular pelvic exams and Pap smears. It is also important at that exam to discuss with our healthcare providers the need for testing for STIs; if there is a new partner or the worry that the current partner is not monogamous, this testing is a must.

STIs are not the only threat held over from our adolescent years; so is cigarette smoking. Many women in midlife think that there is no reason to stop smoking cigarettes at this age, since they wrongly assume that the damage is already done from all the prior years of smoking. This is not the case. No matter how many years one has smoked, stopping can prevent further damage to the heart, blood vessels, and lungs, and in some cases can reverse some of that damage.  

Also relevant to the lungs is the fact that asthma can begin in midlife, where once it was thought to only begin in childhood.  The two major causes seem to be occupational exposure to substances that damage the lungs, and the recreational exposure to air pollution by adults who run predominantly outside. So, a new onset of shortness of breath at this age — even if it occurs only with exercise — does not necessarily mean heart disease; remember that we can develop asthma now.

Did you think you were finished with all those horrible shots you had to have in childhood and adolescence? Sorry, you’re not. There is a recommended immunization schedule for adults in midlife and beyond, just as there are for children. At certain ages over 50 and at certain intervals, you’ll need shots against the flu, certain types of pneumonia, tetanus, and in some instances, shingles and hepatitis.  Ask your primary care provider about these.

And did you pack away your helmet when you gave away your bike with training wheels? Probably ok to have done this since now you will need a bigger size helmet. But you do need a helmet. A recent report by the U.S. Consumer Product Safety Commission stated that sports-related injuries in the Baby Boomer population was on the rise, with over 1 million injuries in this age group in 1998 alone, most of the injuries being due to bicycling and basketball.  The same report said that the many head injuries associated with bicycling were probably due to the fact that Baby Boomers use helmets less than younger people do.

The fact that exercise and proper nutrition are as important in midlife and beyond as in childhood may not come as a surprise. Regular exercise at this age has been shown to increase longevity and wellbeing, postpone and possibly prevent dementia, strokes, heart disease, and diabetes, and aid in the treatment of depression. Important to know as well is that several different types of regular exercise are recommended at this age, including aerobic (cardio) exercise, weight-bearing exercise or strength training, and exercises to improve balance and flexibility.

What we eat as we get older is every bit as important as it was in our younger years. One particular healthy way of eating, the Mediterranean diet, has been shown to stave off dementia, prevent heart disease and diabetes, maintain a healthy cholesterol level, and improve longevity. One study showed that this diet even improved sexual function in certain women! This diet is exactly as expected given its name: lots of natural whole foods, like vegetables, fruits, and nuts, lots of fish and olive oil, moderate amounts of wine, and limited amounts of foods containing refined sugar. Controlling the portions of the foods we eat is even more important at this age. Our metabolic rate decreases with age, making it easier to gain weight while eating the same amounts of food as in our younger years.  

So, as you are rummaging through your mother’s attic looking at your old dolls, baseball bat and Ouija Board, and breathing a sigh of relief that you no longer have to worry about being picked for a baseball team or that your best friend copied your paper doll’s dress, don’t get lulled into complacency about your health. Although you once may have thought that taking care of yourself  health-wise would get easier as you get older, you know now that that’s not true. Make your appointments for regular checkups, get more than 5 hours of sleep a night, use protection when having sex, particularly with a new partner, stop smoking no matter how old you are, get the recommended immunizations, be careful and wear your helmet and seatbelts, and exercise regularly and eat well. Your mother’s recommendations from your childhood continue to apply!

©2008 Janet Horn, M.D.

Author Bio
Dr. Janet Horn is Board Certified in Internal Medicine and Infectious Diseases, with training in Obstetrics and Gynecology. She spent many years on the fulltime faculty of the Johns Hopkins University School of Medicine, where she published articles in medical journals on her research interests, including sexually transmitted diseases, AIDS, and women’s health. She was also the primary author of several chapters in medical textbooks.  She started her solo private practice in 1990 while continuing to teach as an Associate Professor of Medicine on the part time faculty at Hopkins. She has been selected by Baltimore Magazine as one of the “Top Doctors in Baltimore” and by the Maryland Daily Record as one of the “Top 100 Women in Maryland.”   She is included in the books Consumer’s Guide to Top Doctors (in the US) and Best Doctors in America, Southeast Region.  She is the co-author of The Smart Woman’s Guide to Midlife and Beyond, which will be available this September from New Harbinger Publications.

Everyone wants a healthy and active sex life, but all too often, we forget that we cannot enjoy lovemaking if we aren’t physically fit. A proper diet combined with exercise can affect every aspect of our lives. We are born with one body, and will not get another one. If we expect the one we have to serve us well, we have to take care of it.

One important way of taking care of the body we have is to feed it a balanced diet of nourishing foods, and stay away from those that are detrimental to it.

There’s no one right way to eat that will apply to every human body because each one is unique. And, because of illness, stress, pregnancy, exposure to toxins, the quality of the food supply, and many other factors, no single diet is the ideal diet for everyone at every stage in life. Follow the basic guidelines that will help you find the regiment that’s right for you.

Pile massive amounts of love foods onto your plate and get the essential sex vitamins and minerals, Vitamin E, C, and A, plus selenium. Foods high in nutrients and low in fats will help you stay healthier and dramatically enhance your sex drive.

Loving tomatoes are a good source of vitamin C, which aids in the formation of hormones that are involved in sexual vitality such as estrogen, and progesterone. Passionate peaches are rich in vitamin A, which is important for sexual health, providing various benefits such as a strong thyroid and the making of the hormone progesterone.

Erotic black beans are high in another sex vitamin that helps you stay energized and feeling sexually vibrant. Steamy hot onions can help stave off heart disease so that you don’t need heart disease drugs, which zap a man’s libido and sexual performance. Sensual clams can have amatory effects due to their high levels of zinc, which has been shown to help control prostatitis and impotence.

Diet experts say that the exotic banana is rich in potassium, which is essential for the proper functioning of nerves and muscles, the key to successful lovemaking. The magical asparagus is a rich source of potassium, phosphorous and calcium, all of which are essential for energy, and it stimulates the urinary tract and kidneys (sex drive is derived from the kidneys).

Whatever diet you follow, select fresh foods whenever possible. A varied diet also helps avoid getting too much of something that’s not good for you. One thing for sure, a prudent and carefully planned diet can be one of the best tactics for a healthier sex life and longevity.

Mineral makeup is here and it looks like it is going to stick around for quite a while. Whether you are going to be a first-time user of mineral makeup, or you’re a regular user, you need to know how to apply it. It might seem difficult at first and you might need to practice it for some time till you can be perfect at it.

Mineral pigments can give your skin a healthy glow that looks natural and, unlike traditional makeup, adheres to your skin all day without the need for touch ups, even if you perspire or go in the water. Mineral makeup blushers are used primarily to give the cheeks color, whereas mineral bronzers can be applied anywhere on the face and body that would normally develop color from being in the sun.

Open the mineral makeup foundation and a tiny amount into the cap of the bottle. If this is overmuch, try putting in your finger and add more if necessary. Then you apply eyeliner and use your kabuki brush to dust off any powder droppings from your cheeks.

Mineral makeup blushes are designed to brighten your complexion, while still looking natural. The goal is to have your makeup look natural – not look like you have on makeup. A tapered makeup brush works best for blush application. Pat the minerals onto your chosen brush and sweep softly over the cheeks to accentuate the shape of your face.

To apply these mineral beauty products to the skin, use small amounts of mineral makeup and apply with gentle strokes made with special brushes. Every woman can have a fresh and flawless look that lasts for hours in just 5 minutes time. The minerals used in these cosmetic tools are very simple to use, mainly because it is an all-natural product.

Using a Kabuki brush (sold wherever mineral makeup is sold), dip the bristles into the makeup. You won’t need much of it to use on your face. Tap the handle of the brush against the lid with the bristles facing upwards. This spreads the mineral foundation throughout the bristles of the brush as well as removing any extra from the brush.

Begin applying the eye liner shadow at the outer corner of the eye, just outside of the lash line. Work from the outer eye towards the bridge of your nose, stopping where your lashes end. To keep the eye liner looking subtle and natural, gradually make the line finer as you inward.

Place a small amount of mineral powder into the lid of the foundation jar. Swirl your brush in the lid, to help the mineral powder adhere evenly to the bristles of the brush. Then tap the brush on the lid to remove any excess minerals.

Using a fluffy face brush is the other popular way to apply mineral makeup. Better quality makeup is more pigmented, so using a kabuki is out of the question for most women. But a nice fluffy brush is just the ticket since a little makeup goes a long way. Whether you choose synthetic or animal hair brushes is up to you. Both can be equally good, depending on the quality.

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