There are all kinds of health care plans on the market today including comprehensive medical plans, managed health care plans, and a host of specialized plans. This article explains how to find an inexpensive plan that fits your needs.What kinds of health care plans are available?Health care plans fall under two basic categories – comprehensive plans that cover all you medical needs, and specialized plans that only cover a particular illness or situation. Here’s a breakdown of the most popular plans:Comprehensive PlansComprehensive plans pay for your doctor visits, prescription drugs, hospital care, and related medical costs such as X-rays and lab tests. There are two types of comprehensive plans:1. Fee-for-service plans (also called indemnity plans) – These are the traditional plans whereby you pay a monthly premium and your insurance company pays a percentage of your medical costs (usually 80%), after you pay a deductible. These plans allow you to choose your own health care providers and because of that they are the most expensive plans.2. Managed health care plans (HMOs, PPOs, POSs) – With these plans you pay a monthly premium, or pay for services as rendered, and are assigned to a group of doctors, hospitals, and specialists. You pay a small co-payment for each doctor visit (usually $5 to $10), and your insurer pays your medical expenses. These are the cheapest of the comprehensive plans.Specialized PlansSpecialized plans are for people who don’t want to pay the high cost of a comprehensive plan, or who only want coverage for a particular illness or situation. These plans include:* Major medical plans – These plans pay for hospital and surgical expenses for major illnesses such as cancer or a heart disease. You pay for doctor visits and prescription drugs and your insurer pays for major medical and hospital expenses. These plans have high deductibles and low monthly premiums.*Specified disease plans – These plans only pay for medical expenses associated with a single disease such as cancer, heart attack, or AIDS.* Accident only plans – These plans pay for medical expenses associated with an accident, and do not cover diseases or illnesses.Where can I find an inexpensive plan?
How To Fund Your Internet Gambling AccountBuying chips and credits at online gambling web sites seems to become more difficult with each passing month. Legislative changes combine with policy changes at processing companies to create an environment that is constantly changing and sometimes difficult to keep track of.The early days of online gambling offered few options for funding your casino or sportsbook account. Prior to the internet poker boom, most sites dealt primarily with credit card billing. A few casinos, mostly using the Microgaming software platform also used a platform by Surefire Commerce, which later became FirePay.With few options, direct billing of credit cards remained the main option for years, despite the numerous headaches involved. The transactions were considered high risk by banks, so they carried stiff fees, and consumers would often dispute the charges if they did not win. A new alternative was desperately needed, and the PayPal electronic wallet soon stepped up to fill the void.By the end of 2002, PayPal had been absorbed by online auction giant, eBay.com, and had ceased all internet gambling business. At this time a company called Neteller entered the market to provide an electronic wallet that catered to the online gambling industry. Although many others also entered this market over the next few years, Neteller remained the dominant force in the world of processing payments to and from online casinos, sportsbooks and poker rooms.In March 2007, Neteller bowed out of the market due to increasing legal pressure from the United States. That is to say that the company stopped processing transactions for the US and Canadian customers that make up the majority of internet gambling customers. Since most people utilized the services provided by Neteller, the move left many wondering exactly what options are still available to them. There are, of course, several methods that are still viable options for funding an internet gambling account.Credit Cards – It seems that the industry has come full circle, as online gambling sites are once again recommending the use of Visa and Mastercard as the primary method for funding your online gambling account.ePassporte – ePassporte is an electronic wallet that allows you to send and receive money anonymously to anywhere in the world. The system is based on a prepaid virtual Visa card that is reloadable. You can sign up for an account at epassporte.comClick2Pay – While ePassporte handles a number of e-commerce industries, Click2Pay is an electronic wallet that was designed specifically for the online gambling industry. This gives Click2Pay an insight into the industry that puts them ahead of the curve when compared to other payment options. Sign up for an account today at click2pay.comCheck By Mail – Old fashioned checks and money orders are always welcomed. The only downside is that you wont have credits in your gambling account immediately, since it takes time for the check to be mailed to the online gambling establishment.There are other options available for funding gambling accounts. New methods are being added all the time. For an updated list of available options, you can contact the online casino, sportsbook or poker room of your choice. They will be more than happy to tell you the best available option for buying credits to gamble with.
You never know what can happen in the future, especially events regarding your health. It is advisable you acquire an affordable health care insurance today to avoid any huge expenses incurred due to unforeseen health issues that may arise and you need to seek medical attention.These days, the living costs are always increasing but your salaries may not rise as fast. However, an affordable health care insurance is definitely required to see you through the huge expenses that you may incur when you seek medical attention in the future. Then again, there are also reasons why there are still so many people avoiding getting one. This is mainly because these health insurances are getting more and more expensive that a lot people could not afford to buy one. Therefore, there is a growing demand and need for an affordable health care insurance these days.Because of the high medical insurance costs, many people have no choice but live without one. Those who cannot afford the high premiums feel that it better for them to spend such money on basic necessities rather than on the health insurance. However, they do not know that without such health care insurance, they could burn a big hole in their pocket and even wipe out their entire life savings easily with just one unforeseen major illness or accident that could happen to anyone.However, that does not mean that one should live without a health insurance. With the availability of internet, you could look around for some of the best affordable health care option that is available online. The premiums are affordable and provide the necessary coverage for your requirements. Some of the most common and affordable ones include the HMOs, PPOs and POSs. These options not only are affordable, they provide you with the health coverage necessary to see you through in times of needing medical attention.Therefore, be wise to get an affordable health care insurance right now. See things in a long-term perspective as you can actually save more for the future this way by getting a health care insurance today. If you are young especially, you should start getting one today as premiums are lower for younger people. If you are young and healthy and do not smoke, your premiums can be even be further reduced. So, if you are smoking today, quit it immediately. This can help save you a lot in your monthly health premiums when you get one.