Cataract: How Should You Diagnose and Treat It

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In case you have noticed cloudy vision in the last few days, and you think that you do not see as before while you are driving, then you should do something about it.

The main problem that may affect your vision and eyes is a cataract, which is a problematic disease that you should treat surgically.

The eye doctor near me will conduct various tests so that he can determine whether you should be able to clear foggy view by using non-invasive methods or the surgery is the only way to do it.

What Are the Simplest Ways to Diagnose Cataract?

If you wish to check whether you have a cataract, you should first visit an eye doctor and tell him/her all about your symptoms and things that are happening along the way. They will ask you whether your eyesight is hazy or blurry and if intense light glares are bothering you or not.

After getting a close look at your eyes and manual testing, the doctor will conduct a few screening methods that will determine what is going on with you.

  • Visual Acuity – This particular test includes getting chart exam, in which you will read letters from 20 feet away so that doctor can determine whether you have sight issues or not. At the same time, this particular test will see how sharp your vision is, and it includes using one eye and then the.
  • Retinal Exam – The first thing your doctor will do is place a few drops in your eyes so that your pupil can dilate and widen. That will cause dark spots in the middle to control the amount of light, which is getting inside your eye. At the same time, dilated pupils are essential because the doctor can see what happens with your retina, which is a tissue at the back of your eyes. He/she will be able to determine whether you have a cataract or not through it.
  • Slit-lamp Exam – This particular process includes using a special microscope that features bright light so that your doctor can check the various places of your eyes. The doctor will check for cornea, which is an outer layer, and also iris, which is the colored part of your eyes as well as lenses that are sitting behind it. The lens can bend light when it enters your eye, which will allow you to see things.

Manage Everything without Surgery

The last resort in treating cataract is surgery, and since it is an invasive procedure, you do not have to think about it from the very beginning. The idea is that you will be able to catch the issue at early stages so that you can get prescription glasses that will make you reduce the process.

In case you have issues with reading, and then you should find a magnifying glass or brighter lamp that will help you with it. If the problem happens due to glare, you can find special glasses that feature anti-glare coating, which will also help you handle this particular condition.

These glasses are efficient because you can continue driving with ease, but you will not be able to work in the transportation industry, which is another thing you should remember. Of course, if you have this particular condition, it is crucial to conduct an eye exam at least a few times a year.

If your vision starts to trouble you and begin to affect your daily routines, then you should talk with your doctor to see if surgery can help you.

It is important to understand what cataract is in general, which is why we recommend you to enter this website: https://en.wikipedia.org/wiki/Cataract for more information.

Different Types of Surgery

  • Small Incision – This is one of the most common ways of surgery in which your surgeon will make a short cut on the cornea and place a small device in your eye that will produce ultrasound waves that will break lenses and cloudy issues that you have. Then it will take all the pieces and put it back as it was while implementing artificial lenses.
  • Large Incision – Even though it is not that common, the doctors may suggest in case you have large cataract to conduct it. Your surgeon will take out the clouded lens in the piece and swap it from the artificial one. You will need more time to heal after this particular surgery.

Most Prominent Short Layered Hair Looks for Girls

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If you are bored with your long hair and you are thinking about switching to short hair, short layered hairstyles are the best place to start experimenting with the short hair. you will be excited by how amazing you would look with new short hair. all you need to do is make the right selection and take it to your stylist.

Layered hairstyles are great when it comes to maintaining your hair neat, regardless of the type of your manes. They are the best choice to tame messy hair. Besides, short hair commands some respect from people. They are very versatile and can be rocked in an office and also outdoor events. See the source here.

  1. Medium-Length Bob with Highlights
    The medium short layered hairstyle for girls gives you a touch of medium length bob style, with free hanging strands on the side that leaves an impression your hair cut. You can pick some bright highlights to add more impression on your hairstyle. You can rock this hairstyle to work and other official events as well as social events making you stand out in the crowd.
  2. Blond Layers
    Many women prefer blond hair as it looks fantastic on almost any woman of all ages. Bright color adds volume to your fine hair especially if you cut it in a layered bob hairstyle. You will look beautiful with this blond bob layered haircut as it adds drama to your look with the wild free hair.
  3. Textured Ombre
    People with long hair will opt for ombre hair, but the color will also look good with short hair.  To get amazing ombre look with short layered hairstyle for girls, you should cut and color the ends with a darker shade, it will give you amazing texture and color combination that will make you stand out in a crowd.
  4. Short Length Layered Hair
    Most of us love voluminous short layered hairstyle for girls, short length layered hair work for you as the look gives you layered shoulder length look. The hairstyle creates a voluminous top while the bottom part is thinned creating a beautiful contrast. You can add bright colors to enhance your look and stand out in any occasion.
  5.  Stacked Bob
    This hair cut will work well for you if your hair is thick and voluminous, the stacked part adds a lot of neatness to your hair and brings out your facial features. The layers add a sense of fashion for your hair and a completely stylish look that suits women of all ages. Book an appointment with your barber today and get this cut which will help you bring out the beauty of your hair and facial features. this is what you need for a glamorous look.

GET READY FOR THE NEW TEST OF WEIGHT LOSS IN THE EASIEST WAY

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Weight loss may be one of the important tasks to be on gossip right nowadays as people are recklessly trying out different kind of ways in order to get shorten by an inch. However, the bigger part of the scenario is you need to work a hell lot in order to get the best possible substitute all by yourself. All you need to have a little search on the given topic of the weight loss and when it is up to an alternative way where you have no issues with getting a major weight loss issue then all you need to have a quick search regarding everything and then you get the best possible results however stay sound little different  but working out for OT doesn’t make any odd out reasons all you need to put some patience and then you get the best results all by yourself. All you need to do some work by yourself and thereby you get the best possible results. There are times when you need to think of the exact point where you can get along the point of weight loss and the results may be on your way as soon as possible.

HOW TO COMBAT THE FATE OF WEIGHT LOSS?

it is definitely not a hard task to think about the ways by which you can actually make a sever change in your methodology of weight loss. All you need to put on a sharp end to whatever you are thinking and then put all your thought on point. However, there are many ways by which you can have complete control over yourself and thereby you can get the things all in one question. All you need to experiment with the new methods and get the results as soon as possible.

HOW TO TEST YOURSELF FOR WEIGHT LOSS METHODS?

There are different ways by which you can get along the exact way of weight loss. However, there are many ways by which you can keep your eye on the exact position of your series to weight loss. However, the exact point to ponder about is Forskolin diet. This diet is very useful to those who are getting absolute hight vibes in order to get the best results possible. However, if there is a way by which you can escape out then it is the point where you can think of. Experimenting new things do add experience and more importantly, it does not have any side effects.

To conclude. There are many diets that are been widely followed nowadays. However, you need to get things sorted all by yourself in order to get the best possible results. It is not that it becomes easy for you if you chose the above-mentioned diet but there is nothing wrong in testing something different and out of the box. All you need to keep calm and look for the best possible results so that the things get sorted in your way.

Vitamin B12 patch boost my energy and I’ll never need a coffee ever again

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Vitamin B12 is an important B vitamin that’s required for great deals of bodily features, consisting of power manufacturing, carbohydrate metabolic procedure and also formation of well balanced and also healthy red cell.

Creations, dishes as well as the instantly clear lyrics to some lengthy neglected track are simply a few of the distractions that separate us and our conked-out selves. When we finally do wander off, an unfathomably loud alarm system breaks the peace, and we’re anticipated to obtain up as well as function like a normal human.

For the majority of that suggests coffee, for others it’s some variety of tea, yet for a few of us, any type of buzz-inducing kick of high levels of caffeine (strong or weak) comes with a side of heart palpitations as well as anxiousness. Sure, we can pass up liquid energy totally, yet being in a continuous comatose state doesn’t truly appeal either.

With any issue, it is necessary to check out the root of the problem. Prior to stress stimulates at yet an additional pointer of ‘extra sleep’, consider this– according to NHS UK, extreme tiredness, an absence of power, as well as troubles with your understanding, reasoning and also memory might be signs that you are lacking in Vitamin b12 energy patch. Captivated? Well, suppose we tell you that this energy improving vitamin is naturally located in dairy, meat as well as fish? Yea, that’s right– the terrific, wholesome decision you made to end up being vegan can just be the factor you’re so damn weary!

Don’t give in to the cheeseburger just. There are other ways to get that fix of B12.

Vitamin b12 energy patch has two alternatives. For those that don’t mind needles, you can pump a B12 cocktail straight right into your bloodstream with an IV * eek, no thanks *, or just add among their Vitamin B12 covers * that’s even more like it *.

The little, self-adhesive patches look a little bit like rounded plasters and each will supply 12 hrs. of constant B12 to up your energy degrees. The brand even advises a checklist of details application points on your body for maximum result. The easiest to discover gets on your right wrist. Face your right palm upwards, and then follow your thumb down up until you feel a dip. Pop on the spot as well as enjoy a soft, subtle boost of energy that’ll leave you feeling on top of your video game all the time.

I attempted one out and also can prove my energy levels sky-rocketed. I haven’t touched a mug of coffee considering that.

As for securing some shut-eye, attempt counting lamb. Simply joking, below are some of our best insomnia-curing methods.

Developing Community and Public Health

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March Health Awareness Campaigns

  • National Colorectal Cancer Awareness Month
  • Brain Injury Awareness Month
  • National Kidney Cancer Awareness Month
  • Multiple Sclerosis Awareness Month
  • National Myeloma Awareness Month
  • National Nutrition Month
  • National Endometriosis Month
  • Workplace Eye Wellness Month
  • National Save Your Vision Month
  • Hemophilia Month
  • National Chronic Fatigue Syndrome Awareness Month
  • American Red Cross Month
  • Learning Disabilities Awareness Month
  • National Developmental Disabilities Awareness Month
  • National Eye Donor Month
  • National Poison Prevention Month
  • National Professional Social Work Month
  • Save Your Vision Month

For those in community or public health, the topics in this article will be nothing new-but as busy professionals ourselves, we often find it helpful to be reminded of the basic premises of our chosen fields. It’s so easy in our hectic-and very important-drive to complete work tasks that we lose sight of those core values for which we strive.

There are a growing number of evidence-based interventions for use by community and public health professionals to promote health and prevent disease. [Leeman, Calancie, et al: 2015] These practices have the potential to improve environments, behaviors, and health outcomes in our communities. In order to adopt these practices, however, public health agencies and community partners often need additional tools, strategies, and training to enhance their capacity to improve health outcomes.

The most effective prevention strategies actively engage the communities they are intended to serve. Effective health promotion and health-enhancing social change require communities to identify, plan, channel resources, and take action. The concept that a community is the solution to its own problems is not new. There is considerable support for designing community-based interventions to improve the health behaviors and overall health status of community members. According to Sotomayor, Pawlik, and Dominguez in the journal Preventing Chronic Disease, “These community-based interventions are important because health disparities and the high rate of chronic diseases in minority populations, particularly among those who are poor and lack access to community resources, are not likely to be prevented without them.” [Sotomayor, Pawlik, and Dominguez: 2007]

The U.S. Office of Disease Prevention and Health Promotion’s Healthy People 2020 strives to

  • Identify nationwide health improvement priorities.
  • Increase public awareness and understanding of the determinants of health, disease, and disability and the opportunities for progress.
  • Provide measurable objectives and goals that are applicable at the national, State, and local levels.
  • Engage multiple sectors to take actions to strengthen policies and improve practices that are driven by the best available evidence and knowledge.
  • Identify critical research, evaluation, and data collection needs.

Many health prevention and promotion consultants stress the importance that local leaders play in building community health. The Healthy People 2020 toolkit Identifying & Engaging Community Partners, answers the question “How Do You Define Meaningful Citizen Participation?” in this way:

  • Power to make decisions and affect outcomes
  • Citizen driven; from the community up, not top down
  • Proactive, not reactive
  • Encourages and facilitates broad community involvement
  • Inclusive, not exclusive; accessible to all
  • Balanced representation in the participation process; not just major “partners”
  • Consensus-oriented decision making Compromise; give and take
  • Opportunities for involvement in all levels of activity, which include creating a vision, planning, prioritizing, deciding, evaluating [ODPHP: 2010]

Building strong relationships with necessary community partners can be time consuming. Facilitating meetings to allow the meaningful participation outlined above requires a particular, practiced set of skills. Here’s where a community health consultant could be extremely valuable. Each community health consultant is different, of course, but in general he or she will have significant experience with the following tasks:

  • Developing health education and promotion programs, such as school or community presentations, workshops, trainings, etc.
  • Writing and formatting health education materials, such as reports, bulletins, and visual aids, to address public health concerns.
  • Developing working relationships with agencies and organizations interested in public health.
  • Designing and conducting evaluations to assess the quality and performance of health communication and education programs.
  • Collaborating with community groups and public health officials to identify community health needs and the availability of services needed.
  • Writing press releases and public service announcements, conducting media campaigns, or maintaining program-related Web sites.
  • Developing grant proposals to obtain funding for health education programs and related work.

Health Anxiety and Solutions

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It’s always important to take care of oneself using all the principles of good health. Regular check-ups, proper nutrition and healthful living all enable one to keep on top of their health in a careful yet reasonable way. Often one becomes overly concerned with health issues and caught up in a cycle of health worries. One health issue is reconciled when another immediately pops up to take its place. These worries become all encompassing and exhausting after a while.

Eventually, the individual realizes that this cycle of health anxieties has intruded upon the quality of their life. A dark cloud, always hovering over daily living, this intrusive form of anxiety has to be addressed. One begins by determining why this is occurring, what purpose does it serve and how to interrupt this behavior.

Reason for Health Anxiety

Health worries actually serve a purpose and this purpose is not difficult to detect if one looks deep enough into this pattern of behavior. Often this pattern involves the brain distracting from specific emotions which the individual finds difficult to address.

Many emotions are so overwhelming, such as anger, grief or fear, that the brain looks for ways to distract. Health worries fit the bill because when one worries intensely about their health, there is little room to address an upsetting emotion.

Health worries blanket every other thought and this WORKS. This is the perfect distraction from unsettling emotions. When one worry is reconciled, another takes it place to veil the unaddressed emotion. Each health worry has a strong purpose, as it masks the true upsetting emotion, which is much more difficult to face in the long run.

Solution

– Recognition and acknowledgment of the Health Anxiety habit, one worry quickly following another in a noticeable loop that never ends. Awareness of this cycle is always the first step to reconciliation of the issue.

– Determining if this health worry is a true physical problem by visiting one’s primary physician and ruling out a definite physical cause for the difficulty. Always rule out a physical cause before assuming it is merely health anxiety.

– Noticing that these health worries settle down when you become intensely interested in another topic or swept into a new relationship, job or cause.

– Identify your patterns. Do you experience twinges of symptoms that often jump from one area of the body to another? Do you find yourself overestimating physical intrusions and instantly jump to the conclusion that they signify danger or warrant the attention of an alert?

– Find interests that involve your entire being. Lose yourself in things that allow you little time for inward thinking. True illness does not surface through boredom as do these behaviors. True health problems do not generally follow the same time table as health anxieties do. Health worries are stronger during times of boredom and when one lacks interests. An intelligent mind requires challenges and goals.

– Activity is an important therapeutic tool against health worries. Exercise and movement invigorate and stimulate the mind and body in a positive way. Endorphins are released and Serotonin levels are boosted naturally when activity is a part of a daily routine. Moderate walking, jogging, tennis, swimming and dancing are all helpful activities that bring forth positive results.

– Nutrition is also essential to good health which in itself helps eliminate the strong habit of negative thinking, often concerning health worries. When eating properly, Serotonin levels are naturally boosted and blood sugar levels remain stable. This helps settle down an over-reactive mind, leading to a lessening in health anxieties.

– Talk back to the brain by firmly telling it to stop when health worries enter the mind. Shift into a more positive mode of thinking because you always have a choice in what you think about.

The mind will respond by quieting down as negative thoughts subside. The brain, caught red handed in this behavior is instantly embarrassed causing it to suspend this cycle of negative thought. This is comparative to a child being caught with his hand in the cookie jar. Embarrassment at being caught, stops this intrusive behavior.

– Be aware of “what if” thinking. If the majority of sentences you think begin with “what if” then this is proof of a strong health anxiety habit. Change “what if” thinking to “so what” and watch the cycle break.

Most of all, understand that worry solves nothing. Health worries, in particular will only serve to exhaust and deplete both mind and body. Consciously make a concerted effort to change the way you think and you will succeed in changing your life. You will go from self victimization to freedom from the intrusive habit of fearful worry.

You always have a choice. Life can be wonderful and fulfilling when you learn to alter your perspective and chose a more positive point of view. You always have a choice. Never define yourself by your habit of worried thinking. Do not be victimized by health anxiety and fear. With a few simple corrections, especially in thinking, you will find your life changes from being difficult and upsetting to becoming easier and much more fulfilling on a daily basis.

Health And Wellness Products

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Health and wellness products will mean very different things to different people.

Wellness can be defined as ‘the pursuit of a healthy, balanced lifestyle.
For the benefit of this article, wellness products are being looked at in the context
of ‘over the counter drugs, health supplements and health remedies.

While for some people, wellness products might be viewed as an aid to recovery
from illness, for others it might be a means of further enhancing some
aspect of their current health. The variety of and uses for such products
are as numerous as are the the definitions of wellness products or wellness
programs, depending of course upon who is promoting them at any given time.

Whatever your reasons for pursuing alternative care health or health and wellness
products, a common goal is to achieve optimised health and well-being.

There are powerful media images hailing the benefits and safety of many over the
counter drugs, supplements and health and wellness products, every where you turn
these days. They have equally strong claims of being the one and only miracle cure
or solution for one ailment or another. How accurate are these claims though, and
what are the real costs to you in monetary and health risk terms?

Immediately after reading this article, go take a look and do a quick add-up of the
total cost of all the health and wellness products you currently have in stock. I’m
sure the figure will surprise you just as much as learning about the very real and
harmful side effects which can be caused by some of these drugs or supplements
that are supposed to be contributing to your overall state of wellness.

You may also be surprised to know that many of the ‘over the counter drugs you
buy on a regular basis, simply treat the symptoms and not the real health issue.
Needless to say, this approach of focusing on the symptom, side-steps
the crucial requirement of getting to the root cause of your condition or whatever
it is that ails you.

You’re most likely to pursue a wellness product either because you are becoming
wary of the adverse effects of chemically produced drugs or because you’re keen to
recover from ill-health and improve a specific health condition. In some instances it
might be that you just want to optimise your current state of good health.

While some health and wellness products can be an effective measure toward
improving your health, you should note that long-term use of certain over the counter
drugs and some supplements can cause you more harm than good, with the long-
term implications far outweighing any short-term benefits. You may well find that
you are paying far too high a price on the basis of a mere quick fix promise.

For thousands of years, people in lands far and wide have used natural homemade
remedies to manage their health conditions and wellness needs, without manufactured
health and wellness products, that can be detrimental to health. They have purely relied
upon attaining or maintaining health by plants or by other natural means.
It could be argued that with the emergence of chemical and pharmacological methods,
many forms of this natural means to health and wellness have declined. In fact, even
by today’s standards, there are many so-called under-developed countries where
inhabitants’ rely on nothing more than homemade health and wellness products,
gained via natural methods of plants or plant-based extracts.

While conventional medicine relies on scientifically backed research to substantiate
effectiveness and safety. In contrast, similar cannot be said about some alternative
medicines or health and wellness products. There is no such requirement but their
promotion as regard effectiveness are deemed sufficient in themselves as support
for therapeutic or wellness claims.

Herbal remedies in general are harmless, however, certain claims being made by
some health and wellness products promoters, (under the banner of being
‘natural’)) can insinuate their health and fitness products being the
exclusive answer to your health condition or wellness questions, thus putting you
at great risk. Secondly, how open are they being about what’s really inside? You
should always consult your physician over any health concerns, as well as discussing
with him/her your intention or choice of alternative means for treatment with any
health and wellness product or remedy.

Multi-billion-dollar industries have long weald their power by way of
lobbying to gain exemption from FDA regulation. This has been exactly the
case, according to the Skeptical Inquirer, who, on commenting on
the ‘dietary supplement industry back in 1994, states – “Since then, these
products have flooded the market, subject only to the scruples of their
manufacturers”.

The above point is an important one to note in that, while health and wellness
products manufacturers may list ingredients and quantities being used in
specific health and wellness products, there has been no real pressure on them to
do so, or to do so accurately. Furthermore, neither has there been any
watchdog body to ensure they are penalised for this failing.

So, what are the alternatives open to you? Increasingly, more and more people
are turning to do-it-yourself health and wellness homemade herbal remedies.
The distinct difference being that in making your own health and wellness products,
you are in the driving seat. Not only do you have a full awareness of exactly
what the ingredients are and the true quantities, but with the appropriate level of
guidance from a reputable practitioner, you’re more conversant with any health
implications, if any.

With the right know-how, you too can draw on the old-fashioned yet effective
sources to greatly improve your health. For instance, using naturally prepared
herbs, vitamins, minerals and nutritional supplements, essential oils and flower
essences to create real healing solutions that deal with particular health
conditions rather than just the symptoms.

It is in the interest of a health and wellness product manufacturers to promote their
products as being the only option open to you. They don’t want you to know about
the abundant natural resources and health-giving potent attributes of herbs and home
remedies which have been used effectively for thousands of years. You see, these
remedies cannot be patented because you can make them yourself and at a
fraction of the cost.

Whether your goal is to overcome illness, drugs intolerance, allergies or just to
optimise your already good health, with a little know-how, you can start making
your own health and wellness products and remedies, using nothing more than the
readily available natural resources in your home and garden. Not only will you
save your hard earned cash, you also alleviate the risk of serious or harmful
additives and side effects.

Are you interested in learning more about how you can treat numerous common ailments without the harsh side effects, using nothing but natural herbs, vitamins
and nutrients you prepare yourself at home? For instance, did you know that
placing yogurt on your face help to bring water from the deeper layers
of your skin to the surface, moisturizing your skin for the rest of the day and hiding
wrinkles?

Here are just a few more of the many quick and effective remedies you can learn
to make:

1. Natural laxatives

2. Beauty recipes

3. Skin care and cleansing preparations such as acne treatment

3. Herbal shampoos as well as how to treat hair loss

5. Dermatitis

6. Menstrual Pain and PMS Symptoms

Where Can You Get Affordable Health Insurance

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What is health Insurance

The main reason why you need an affordable health insurance is to help you plan ahead in case of unexpected costly emergencies. The only way you can accomplish this is to compare prices from most leading insurance companies and also choosing a health insurance plan that best suits you. Back in the days, getting a cheap health insurance plan was simply unaffordable. But these days, individuals, small groups, families and students can choose a health insurance plan that is best for them, e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded.

Private health insurance plan is totally an unrestricted open market, so those who do not yet have a health insurance plan should consider taking out a plan. For those who are seeking good medical health insurance program, having one is possible through the help of specific companies which specializes in providing health care insurance for individuals and also meeting their requirements and also staying within your budget.

Also for individuals who do not want to use a company, then they can use the internet. One major way Americans get health insurance coverage is mostly through their employers. Many employers them receive health insurance coverage for their workers for a limited time thus enabling them receive health insurance coverage. The internet provides an option for a cheaper health insurance. There are lots of companies that provide all types of health insurance plans, making it possible for you and your family to have a specific reasonable and affordable health care insurance plan. Finding out what kind of reputation the company has and how long the company has been in business is a smart idea.

Having a kind of ideal they have for you is advisable also making sure they have been licensed in your state, because it is of no use getting an insurance with a form which has no license and cant get the exact health insurance you want, many agents will help work hard for you, so you could have an affordable health insurance plan which you and your family could live with without great cost. Everyone wants the best health insurance both for themselves and for their families, but only the best health care insurance can do this with low premiums and full coverage.

What are the advantages of health insurance?

Having the right and the best health care insurance is difficult. In order not to get confused, one needs to decide which the best is by doing his or her research thoroughly. The first step to take includes checking out the credentials and also their past performances of the very company you are considering. Just as on insurance outfits does a background check of individuals before accepting proposals, one should also review the financial status including the customer care services of the insurer, by so doing; you stand the chance to know which health insurance company’s best for you. One major way for you to get ratings of these agencies such as A.M best or Moody’s is by using the better business bureau. Many employers use the health insurance scheme to either attract or even retain their quality employers. The health insurance coverage might be a personal scheme or a group scheme organized and sponsored by the employers for employers who work between 20-29 hours per week.

Companies also do not add cost of fringe benefits alongside health insurance, to the price of their product and service. Over the past decades, the cost of health insurance has increased tremendously, surpassing the general rate of inflation in most past years.

The different types of health insurance includes individual health insurance, affordable employee health insurance which is also known as group health insurance, affordable family health insurance, affordable business health insurance etc, your monthly insurance is determined by certain numerous different things. For instance, most premiums based on or according to your age. So your health insurance rates changes accordingly with the type of health policy you have. If your health insurance is basically for yourselves or your entire family, the procedures must surely have an impact on any quote you are young or advanced in age, self employed receiving health insurance companies will adjust your premium based upon your age and this will also affect the cost of your health insurance.

What are the Disadvantages of health insurance?

Since unforeseen occurrences may occur any time, one will never know when an accident is likely to happen, be it the need to be admitted in the hospital for stitches or a broken bone, you may be in the position to receive help quickly without the worry of receiving a huge bill, unlike when you don’t have a health insurance your credit rating beers all the cost. But you can prevent all this problems from happening and also protecting your credits for your future health financially. Increasing the amount of your health insurance deduction is another way in which you can help make sure your insurance rates are lowered. This higher monthly premium is necessary for anyone who has an existing health problem that requires an extensive medical treatment getting variety of quotes from insurance companies which meets for your health and budgets standards, is a wise decision when selection an health insurance. Searching can be done online and this will have saved you money as well.

Many people feel that they are healthy enough, so they don’t need health insurance because they have never had any major medical problems but one thing to note against the possible health insurance is the protection against the possible health problem that may happen in future. It might happen to you in particular or any member of your family, so why not plan on having an affordable health insurance plan today.

Florida Health Insurance

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Florida Health Insurance Rate Hike

Florida Health insurance premiums have touched new heights! Every Floridian has the common knowledge that most annual health insurance contracts will endure a rate increase at the end of the year. This trend is not new and should be expected. Every time this issue pops up it seems as though the blame game starts. Floridians blame Health insurance companies; Health insurance companies blame Hospitals, Doctors and other medical care providers, Medical care providers blame inflation and politicians, well, we really don’t know what they do to help the issue… No one seems to be interested in finding the real cause of the health insurance premium rate increase. Most individuals, self employed, and small business owners have taken Florida Health Insurance Rate Hikes as the inevitable evil.

Hard Facts

What are various reports telling us? Why do Health insurance premium have annual rate increases?

Rate of inflation and heath insurance premium rate increase.

America’s health expenditure in the year 2004 has increased dramatically, it has increased more than three time the inflation rate. In this year the inflation rate was around 2.5% while the national health expenses were around 7.9%. The employer health insurance or group health insurance premium had increased approximately 7.8% in the year 2006, which is almost double the rate of inflation. In short, last year in 2006, the annual premiums of group health plan sponsored by an employer was around $4,250 for a single premium plan, while the average family premium was around $ 11,250 per year. This indicates that in the year 2006 the employer sponsored health insurance premium increased 7.7 percent. Taking the biggest hit were small businesses that had 0-24 employees. There health insurance premiums increased by nearly 10.4%

Employees are also not spared, in the year 2006 the employee also had to pay around $ 3,000 more in their contribution to employer’s sponsored health insurance plan in comparison to the previous year, 2005. Rate hikes have been in existence since the “Florida Health Insurance” plan started. In covering an entire family of four, a person will experience an increase in premium rate at every annual renewal. If they would have kept the record of their health insurance premium payments they will find that they are now paying around $ 1,100 more than they paid in the year 2000 for the same coverage and with the same company. The same item was found by the Health Research Educational Trust and the Kaiser Family Foundation in their survey report of the year 2000. They found out that the premiums of health insurance that is sponsored by the employer increases by around 4 times than the employee’s salary. This report also stated that since 2000 the contribution of employees in group health insurance sponsored by employer was increased by more than 143 percent.

One business man predicts that if nothing is done and the Health insurance premiums keep increasing that in the year 2008, the amount of health premium contribution to employer will surpass their profit. Professionals within and outside the field of Florida health insurance, think that the reason for increase in Florida health insurance premium rates are due to many factors, such as high administration expenditure, inflation, poor or bad management, increase in the cost of medical care, waste etc.

Florida health insurance rate hikes affect whom?

Rising rates of Florida health insurance generally affects most of the Floridians who live in our beautiful state. The highest affected individudals are the minimum wage and low wage workers. Recent drops in the renewal of health insurance are mostly from this low income group. They just can’t afford the high premiums of Florida health insurance. They are in the situation where they can not afford the medical care and they can not afford the medical insurance premiums that are assosiated with adequate coverage. Almost half of all Americans are of the opinion that they are more worried about the high health insurance rate and high cost of health care, over any other bill they have on a monthly basis. A survey also finds that around 42% of Americans can not afford the high cost of health care services. There is one very interesting study conducted by Harvard University researchers. They found out that 68% of people who filed bankruptcy covered themselves and their family by health insurance. Average out-of-pocket deductibles for people filed bankruptcy were around $ 12,000 per year. They also found some co-relation between medical expenditure and bankruptcy. A national survey also reports that main reason for people not to take health insurance is the high premium rate of health insurance.

How to reduce Florida’s high health insurance cost? Nobody knows for sure. There are different opinions and experts are not agreeing with each other. Health professionals believe that if we can raise the number of healthy people by improving the lifestyle and regular exercise, good diets etc. than naturally they will need less medical care services which decreases the demands of health care and hence the cost.( This year in Florida the smoking rate has increased by 21.7 percent) One Floridian sarcastically suggested that there are ‘highs’ and ‘lows’ in health care that are needed to reversed. That the state of Florida is to ‘high’ in cost of medical care compare to other States and ‘low’ in the quality of health care.

Florida Health insurance rate hike has attracted many frauds. These frauds float many bogus insurance companies and offer cheap health insurance rate which attract many people to them. These companies usually through assosiations that are based in other states.

Meanwhile reputable Florida health insurance companies provide different types of health insurance like employer sponsored group health insurance, small business health insurance, individual health insurance etc. to vast number of employees and their families. Still there are many people in Florida that lack any health coverage. Today the employer also has found it challenging to decide how to offer employer sponsored group health insurance to their employees, so that both of them arrive at some point of agreement.

An American Innovation in Health Insurance

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INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health Plan (HDHP).
– Those not covered by other health insurance plans.
– Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are –

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.