Why you should work with a coach?

What every employer should know when you can already offer health insurance coverage

Seventy per cent of the crackpot (70%) of small companies in America today do not provide health insurance coverage for their employees. In most cases is not that they don't want to, but because of their activities may not be able to afford to such benefits. Is simply efforts to reduce the cost of current activities.

However, employers must consider If this strategy cost reduction helps the medium to long-term growth of their companies. If one would think about it, which is more expensive? Contributions, the company has to pay for group health insurance or the cost of the loss of good employee to a competitor that offers the benefits of health care? In fact, there is a higher price-to-bottom time, training costs and lost sales, or manufacturing. Fortunately, you do not want to choose one or the other.

One of the solutions for the high cost of health insurance premiums is insurance solution. Discount health care plans. This alternative to health insurance costs only a fraction of what traditional group insurance policy. More importantly, continue to meet the needs of the healthcare workers company
on an undiscounted basis.

These programs are not insurance, but rather a medical savings programs. Is more like the health-care lawyer, about what medical bills are reduced members before even. Workers still have to pay for their care, but the employer gets credit with giving them significant cost savings in medical, dental, vision, hearing, pharmacy and many other types of necessary medical care. These programs can also supplement existing insurance schemes with high deductibles, or rules, that flat fees for hospital stays, or certain conditions.

Affordable health care becomes possible by the delegation of the group. Discount health plan transportation providers do not have enough clout to get prices reduced to what insurance companies have used for years. In other words, because it has a sufficient number of members participating, they are the highest purchasing power to negotiate discounts from suppliers of medical products and services. Some discount healthcare plans have been around 23 years. These programmes combine fully insured benefits to providers of health care by a policy of blanket Group cover its members.

These plans provide affordable health care coverage to its members by providing access to hundreds of thousands of doctors, dentists, specialists, laboratories, pharmacies and hospitals throughout the UNITED STATES, which agreed to significantly reduced pre-negotiated rates for procedures which can be done. Healthy discounts from 30% to 70% in addition to medical, dental, vision, hearing, prescription and chiropractic care. For the uninsured or under insured in this way, often the world of the difference in their ability to receive needed medical care. Acceptance is guaranteed, anyone young or old, regardless of pre-existing conditions may participate and includes some even maternity.

Several plans for health care as a benefit of discount come. There are no forms to fill out claims, no restrictions, no waiting periods, or pre-existing conditions, restrictions, and some you can now become a member and get treatment care the day after. Therefore, testimonies of the members of the one below are not rare.

"I had the opportunity to use the Date, healthcare discount on many occasions and has always been pleased with the savings. Last February, I had the hospital, which was $ 2900.00 and reduced to only $ 410.00. Had a pinched nerve in my shoulder and went to the chiropractor. The initial fee was $ 620.00, but $ 203.00 shall be paid only. My treatment chiropractic went from $ 62,00 to $ 40.00. My savings were at the dentist around 60%. My brother, who is also a member of, recommendations, which were $ 574.00 and through our mail order are now $ 299.80. The best was that it was easy. All I did was call telephone support this member and they checked everything. "-Richard P., Dallas, TX

Membership fees are significantly lower than traditional health insurance. Fees for membership may be anywhere from 8 USD per month for the minimum benefits to 50 USD per month comprehensive packages. In addition, the companies that get up to 20% discount on fees for membership during their record 25 members or more.

For employers who are unable to provide health insurance for their employees, these plans health care discount can only be the answer. Service which is similar in many respects, and some would argue, more than health insurance for only a fraction of the cost. Companies continue to reduce their cost of insurance
When you acquire the loyalty of their employees.

Abel Quitoriano is webmaster EZ-entry-Medical-Dental-Benefits.com [http://www.ez-entry-medical-dental-benefits.com]. Free resoucrce for affordable health care [http://www.ez-entry-medical-dental-benefits.com] an alternative for millions of people in America who don't have health insurance coverage. They cannot afford health insurance or they are not eligible due to pregnancy or pre-existing conditions.

Health savings accounts, should be available for all Americans

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All Americans should have the right to save for current and future healthcare expenses with pre-tax dollars. Health Savings Accounts provide some Americans with precisely that opportunity, but it is too limited in its scope to benefit the majority of the US. I love the concept of Health Savings Accounts (HSA), if you're not familiar with them they are savings accounts in which money can be put away for future medical expenses on a pre-tax basis. In order to be eligible for an HSA you must be covered under a qualifying high deductible health insurance plan (HDHP). These are health insurance policies that typically cost less because they require their holders pay a high deductible (typically greater than $1000 annually). Unfortunately, the eligibility requirement to participate in a health savings account precludes the majority of the population from receiving a privilege that should be as basic as saving for one's own retirement.

In a recent response from my Congressman, he suggested I consider using a sister product, the Flexible Spending Account (FSA). Although beneficial, the benefits of an FSA fall short of the benefits in an HSA; primarily because the balance of unused money in an FSA expires annually where an HSA rolls over from year to year. This is a monumental difference. With an HSA I have a means to cover current and future medical expenses which can accumulate to a retirement vehicle which becomes available for any purpose at age 65.  The rollover benefit becomes an even greater benefit when you consider the funds in Health Savings Account are eligible to pay the premiums on Cobra. Contributing to an HSA provides financial resources to use should one lose their job. Americans can use their HSA to pay the necessary 102% of their health premiums through COBRA or they may roll the money into a less expensive high deductible health plan (HDHP) with the resources to meet the high deductible.

Let's look at a couple of case studies.

Dick and Jane

Dick and Jane are engaged. Jane has been submitting $2600 into and HSA for the past five years. During that time she has only consumed $1600 in health care costs that means Jane has been able to build up a health nest egg of $11,400. After they are married Dick begins carrying Jane as a dependent on his health care plan which does not qualify as a high deductible health care plan. Under current laws, Jane would be forced to discontinue contributing to her HSA, but it if all Americans were eligible for this savings incentive she wouldn't have that problem. Instead they could increase their contribution $5,150. After a year, Dick may lose his job, but the family has been able to save $16,550. Their healthcare nest egg provides Dick and Jane with additional options. They may select to continue their current coverage through COBRA or they can select an alternate health care option. If COBRA were to cost $400 a month they can utilize their HSA funds. With these funds they would have the means of paying for coverage for 41 months. They could also choose to purchase independent health coverage. Their $16,550 nest egg minimizes their risk on a high deductible healthcare plan. They could conceivable absorb a $10,000 deductible and reduce their monthly payment to about $200, or half the cost of their cobra payment.

Scott and Laura

In the scenario of Scott and Laura, Scott is a severe asthmatic. His condition leads to a hospital stay about once a year costing about $3000. He must also have continuing medication at a monthly cost of $112. Scott and Laura are both on her employer's group health plan. They pay $112/month with a $500 deductible and a 20% coinsurance. Their annual healthcare responsibility is approximately $2610 with insurance or approximately $4340 without insurance. Their insurance saves them approximately $1700 annually from paying full price on their medical care. Their FSA saves them about 20% (their tax bracket) on their prescription charges. Because Scott and Laura will lose the money in the FSA if they don't spend it by the end of the year, they only save the cost of Scott's prescriptions. Now, if Laura loses her job their healthcare future becomes much less secure because Laura's plan was not HSA eligible, they do not any residual savings from their health care expenses nor were they granted guaranteed tax savings from their medical expenses. If they keep the medical insurance they clearly need through COBRA they now need to pay $400/month. These annual premiums total $4000 alone meaning that Scott and Laura only save about $340 a year by having health insurance. This does not include the cost of any of the co pays. Keeping the insurance could increase their medical expenses to about $6000 a year or $550/month at a time when the family income has been reduced. Scott and Laura have a very difficult choice to make in regards to their healthcare. Should they continue with coverage or should they let the family health insurance lapse?

Had they been able to contribute to an HSA, their scenario may have looked a little different. Scott and Laura would still have the same policy but chose to contribute the maximum allowable to their HSA. From the $5150 they withdrew $2610 for healthcare expenses leaving $2540 to accumulate over for the next year. Over the course of 5 years they have accumulated $12700 in the HSA. If Laura loses her job their options look much more promising. They can more easily absorb costs of COBRA and provide for the costs of their existing coverage for their entire 18 month term of eligibility. By making wise decisions in time of plenty, Scott and Laura would be able to prevent financial devastation or public dependence in the future and still provide the means to maintain their health needs. All health consumers should have the option to participate in an HSA and receive the corresponding tax benefits. The opportunity to participate in an HSA should not be tied to a high deductible health insurance plan. As it is written an HDHP with an HSA discriminates against most Americans, namely, consumers whose employers don't offer a qualified high deductible healthcare plan and those who may have regular health needs which require a more generous health plan including young families who may need maternity or well child care.

Ironically, those ineligible to participate are doubly discriminated against. Not only do they lose the opportunity to financially prepare for the future healthcare needs, but it actually results in having higher healthcare costs. Here's how:

1. High deductible health care plans often attract the healthiest segment of society, and when you remove the healthy consumers from the general insurance pool, rates rise to cover the lost revenue and higher payout per consumer.

2. Non participants must pay deductibles and uncovered health care from post tax dollars or they must try to forecast their annual health expenses through a flexible spending account (FSA). If they underestimate, they are again paying for expenses with post-tax dollars and if they overestimate they lose the unspent balance.

3. Individuals who have continuing healthcare needs are at the mercy of their employer for continued coverage. The loss of employment often means the loss of health care and can bring great personal risk and financial hardship.

By eliminating the requirement that an individual have a HDHP plan, you open the door for many more participants. These are people who need to hedge against risk in their health and financial well-being. When you allow people to pay their insurance premiums with their HSA, you grant them a means of planning for their health future, without discriminating based on their health care needs. Nationally, you increase the savings rate, sending more money into banks, and driving down your uninsured among the unemployed. Fewer people are dependent on government healthcare subsidies because they were able to plan during times of plenty. You open a door for increased retirement savings and, by giving people access to their funds when healthcare is needed, you limit some of the draw on government resources because they don't end up on state sponsored plans.

All Americans should have the right to save for current and future healthcare expenses with pre-tax dollars.

Marla Finnigan is a health insurance broker who seeks to further the availability of healthcare within the United States. She would like to see coverage become more affordable, individuals more informed, and to maintain the United States' position as the lead innovator in health related advancements. She has a BA in English Literature from the University of Arizona and an MBA from Brigham Young University.

7 Reasons why you should start the health network Marketing Business

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More and more people are looking into starting a home based business. The unstable economy, low job satisfaction and the high cost of living are some of the many factors driving people to explore ways to create additional income. Even network marketing doesn't seem to have the stigma it used to as people are starting MLM businesses more than ever.

If this describes you then I congratulate your entrepreneurial spirit! I admire people who seek ways to improve their lives and those of their families. I also encourage you to do your due diligence before leaping into just any MLM company if that's what you're considering. I've been in many network marketing companies and I learned what to look for (and what to avoid) in MLM companies through painful trial and error.

There are a huge variety of multi-level marketing companies out there offering almost any product or service you can imagine including travel services, legal services, nutritional and health products, weight loss products and many more. But I personally recommend you seriously consider starting a health network marketing business rather than any other. And I have seven really good reasons which you'll never forget because they form the word HEALTHY.

Here we go!

Huge market. When you start your health network marketing business you'll automatically have the largest market possible--everyone! Everyone either wants to improve their health or maintain their good health. You won't find anyone who will say, "Nah, I'm not interested in being healthy."

With some other network marketing companies, however, the market can be very limited. Not everyone needs a cell phone plan or dental insurance or legal services, for instance. These aren't bad companies but their markets are obviously smaller than that of health MLMs.

Everyone wants more money. The primary appeal of network marketing is the potential for additional income. This is another place where health network marketing outshines other forms of network marketing. With other types of MLMs, getting people excited in the products or services can be a "tough sell" which means making money is harder. Many health and nutrition MLMs, on the other hand, offer products that create visible and dramatic results with their customers, creating instant excitement. If you've had dramatic results with your own health products, even better! Sales are easy when people are excited and want to get the same results you had.

Before and after photos are common sales tools in health MLMs, usually showing improvement with skin problems or significant weight loss. These photos are visual evidence that customers are getting great results. Great results create an emotional attachment between the customer and the products. This translates into more repeat sales, better customer retention, increased word of mouth advertising and referrals for you.

This is in contrast with other network marketing companies which may have great products or services but are less likely to create dramatic physical results, emotional attachment from their customers and repeat sales. I've been in other types of MLMs myself and I can tell you from personal experience that the income potential in a health network marketing company is significantly higher.

Alternative health industry is booming. Health network marketing products generally fall into the alternative health category versus more traditional forms of Western medicine such as surgeries and pharmaceutical drugs. This is a good thing because there's a growing trend of people preferring alternative health options such as high-density nutritional products; vitamins, antioxidants and other supplements; natural weight loss solutions; etc.

Think of the "buy organic" trend and the popularity of Whole Foods and other similar stores. When it comes to picking a good business, it's like picking a good stock: "The trend is your friend." Ask yourself if the other network marketing companies you may be looking at are part of a booming trend like alternative health or if they just have run-of-the-mill products and services that could have been offered 20 years ago.

Lowers your grocery costs. Many health network marketing companies offer a wide variety of nutritional products including meal replacements, vitamins, protein bars and energy drinks--all of which can replace equivalent products that you and your customers probably already buy at the grocery store.

If you're a distributor, you're getting your company's products at wholesale prices which in many cases will be about the same price or lower than what you'd pay at a regular store. Not to mention your products are probably much better for you! Plus, if you factor in the advantage of deducting you autoshipped products from your taxes (check with your CPA) your food costs are even lower.

Take advantage of massive income potential. With health network marketing companies, your chances of getting large initial and ongoing purchases are very good as customers stock up on their favorite products for themselves and their families. This means higher commissions for you--and more business volume from your team members.

With other types of MLMs, though, it's much harder to get large orders on a regular basis. For instance, it's not likely that a customer will order several hundred dollars worth of household cleaning supplies or greeting cards on a monthly basis. But this is common practice for many customers with families in health network marketing companies. That's why there's so much more potential for huge income in a health network marketing business.

Health professionals are seeking additional income streams. With the uncertainty in the economy, the questionable future of health care (at least in the US) and rising costs of running a health practice, health professionals are looking into health network marketing businesses like never before. Normally, health professionals need to get past one or more "hurdles" before they'll join a health MLM, though.

These hurdles include believing that alternative health products must be inferior to Western medicine counterparts and the concern that selling products to their patients may be "unethical". Once they see proof that alternative health products can benefit their patients, many health professionals will take a serious look at the products and company behind them. Then, once they see that sales of these health products can create a significant income stream, even surpassing their income as a health professional (like the millionaire chiropractor I know), stepping over their earlier hurdles becomes much easier.

Of course, the benefits of having a health professional on your team can be huge. Few people have more authority or bigger personal networks than health professionals. I'll write another article about attracting health professionals to your business soon.

You get to help others transform their lives. The best reason of all for starting a health network marketing business, though, is you are able to impact people's health and improve their lives like no other type of network marketing company. I've personally helped people lose hundreds of pounds total, improve their energy and probably extend their lives through my business. I get incredible personal satisfaction knowing how much I'm helping people lose weight and improve their health.

In other network marketing companies, you can certainly help people save money with helpful products and services. They'll probably be grateful to you for introducing it to them. But if these aren't health products, are you really transforming their lives? You can only really do that with a health network marketing business offering highly effective products.

And those are the 7 HEALTHY reasons why you should start a health network marketing business!

Don't Get Me Wrong

I know it sounds like I'm bashing other types of network marketing companies and saying a health network marketing business is the only type of MLM you should consider if you want to be successful. I'm not bashing other types of companies, though. There are lots of great companies out there.

But I've been in this industry for many years and I've seen other companies from the inside. And it's my strong and obviously biased opinion that if you want to improve your chances for outrageous success in network marketing, a health network marketing business is the way to go for the 7 HEALTHY reasons above.

Marc Menninger is a network marketer and blogger. He enjoys helping people lose weight, get healthy and build their businesses both online and offline. Read his health network marketing blog here: http://www.HealthNetworkMarketing.com