The Best Advice on Bedding I’ve found

Things You Need to Know About Pillows Travel pillows are seen as orthopedic pillows. This is because of its ability to support the head and neck. The kind of neck pillow that one should own is something that gives enough support for the neck while making the person comfortable in his or her sleep. Here are the things that you should consider before you decide on purchasing your own neck pillow. Stated below are the questions which will help you choose the pillow that is perfectly ideal for your needs.
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1. Does it have a firm composition that is enough to make you comfortable?
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Each and every one of us knows that when we are travelling, we are spending most of our times sitting down, and that it is with this that you need to have a neck pillow which has enough firmness that will give enough neck support and will prevent any body pain to be felt by your body once the day is over. 2. Is the contour design effective in making the shape fit your neck? Neck pillows should be comfortable with your breathing and these should never give you the “choking” feel, otherwise it would be pointless. It is indeed required to see to it that the contour design of your pillow fits your neck because this ensures proper body posture when you are in the sleeping position. 3. Is it convenient to use and wash? It is good news that most of these pillows are made up of easy to wash pillow covers, which makes it convenient for you. Even though many are manufactured using soft and quality material, there are still some of them that are not that consumer friendly as they cause discomfort in the perspective of laundry. Be sure to have the time to check on how to maintain your pillow so that you can see if it is easily washable. 4. Is there are lot of positive feedback with the pillow? Be sure to also do a research for the feedback of past customers as this is where you are able to know the quality of the product. Be sure that there is a lot of positive recommendations and high ratings from users before you get to purchase a neck pillow. See to it that you are not skipping this checkpoint especially if you wanted to purchase your own neck travel pillows online. The only way to check the quality of the product is to read the reviews and dig deeper into the facts. Just let the above questions guide you on the important things in letting you choose the perfect and right travel pillow for you.

Health Insurance for Seasonal Workers – Bridge Policies

As always, let me disclaim that I am NOT a health insurance agent or expert. I am just sharing what I have learned and recommending you consult a professional. Without a doubt, I do recommend taking the time to really educate yourself about your health insurance options if you are buying your policy independently.

I HAD heard of bridge policies – designed to act as a gap between loss of coverage for whatever reason and the next opportunity to enroll in “Obamacare.” Going forward, I’ll use the official abbreviation of ACA for the Affordable Care Act. These policies are NON-ACA compliant.

That means they HAVE exclusions for pre-existing conditions.

It also means they are substantially… SUBSTANTIALLY less expensive.

Here is the kicker, and what I did NOT know. You can buy bridge policies as an ongoing method of insurance.

As long as you do NOT have one of the pre-existing conditions that would exclude you, such as a heart condition, cancer, etc, you are allowed to just purchase these types of policies, instead of ACA compliant ones. There are a couple “gotchas” that I want you to be aware of:

1) Talk to an Independent Health Insurance Agent

The “Navigators” that are part of the ACA process cannot talk to you or really give you guidance about health insurance in general. They can only talk about differences between their ACA-compliant policies. Ask your insurance agent if bridge policies would be an option for you.

2) Timing Matters

Bridge policies are for a specific period of time, up to 12 months. If you develop an exclusionary condition while covered, you will not be able to get another bridge policy when it ends. You can only sign up for ACA during open-enrollment (unless you have an exemption like losing a job). So, it might be wise to time your policy end date during open-enrollment. Ask your insurance agent.

3) There IS a penalty

There IS a tax penalty for choosing this option. Talk to your accountant. For my family, the combined cost of the penalty AND the bridge policy was still considerably less than the premium for an ACA compliant policy.

4) Stay Healthy

Without a doubt, the key to using these policies is being healthy. If you already have an exclusionary condition, then most likely they won’t work for you. But if you can stay healthy, bridge policies may be an affordable alternative.

Talk to an Insurance professional.

I recently read that one thirty-minute walk per day can make an incredible difference in your overall health. See you on the trail.

5 Keys to Choosing the Right Individual Health Insurance Plan

The internet has made it easier to compare different health insurance policies and shortlist health insurance plans. With the right health insurance policy, one can make substantial savings if a family member gets sick. Although there is no golden rule to choose the right individual plan, yet, some common tips help in the decision making process. Five keys to choosing the right individual insurance plan have been listed below:

• Determine your need and your affordability: Even before you start your online search for insurance plans, one needs to be sure about the details of the plan. You need to make sure that the benefits offered by the plan covers what you need for yourself and your family. However, the perfect plan will also come at a considerable cost. As an informed customer, you need to do a proper cost benefit analysis to make sure your trade-off between price and benefit is in the appropriate proportion. If we take into account, frequent trips to the doctors, medications and dental coverage – such scenarios eliminate unsuitable plans and makes the comparison process much easier.

• Don’t overbuy: The scenario is similar to buying a luxury car where the monthly EMI equals your home loan payment. There is no point in purchasing a health insurance policy with benefits which are unlikely to be used at a high and unviable cost. For relatively young and healthy individuals, a policy with a high deductible is more suitable. Deductibles are the amount paid by insurers before certain benefits kick in. A plan with a decent deductible will cost considerably less per month and could save money in the long run.

• Walk through several plans: It is always advisable to go through several plans. In the process, benefits associated with different health insurance plans can be reviewed and analyzed for better decision making. At first glance, some plans may look appealing. Later, the same plan turns out to be a costly affair due to cost sharing arrangement. The burden of medical cost in the future will be a big headache. Hence, going through and analyzing several plans is the best way forward.

• Co-insurance and co-payments: Several health insurance plans require the holder to contribute to the coverage payments. The contribution is called co-insurance and is the portion the customer has to pay after deductible. A co-pay is a flat fee one has to pay while paying a visit to a doctor or specialist. While choosing a personal health insurance policy, consumers should look into co-insurance and co-payments factors.

• Reputation matters: After identifying the price and need of the plan, reputation of the company should also be in the reckoning. Ideally, a company with a long haul in the market should be trusted and relied upon. There are many ways to assess the standing of insurance companies and their health insurance policies.