Stressed!!…But Staying On Track With My Weight Loss

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This blog is like a dairy to me. I realize there are many that read it but since I don’t have personal contact with them…it’s ok. In fact, there were only three people who know of this website…..two of my sons and my husband. None of them read it very often.

I’m so upset at my husband. He took it upon himself to show my website to a couple of his friends when he was doing something to their computer Saturday. (They have to know VERY little about a computer to ask him for help.) I told him it was an invasion of my privacy.

I only got about two hours sleep Saturday night. All I could think about is someone I know, reading my stuff. (I’m hoping they read this and delete the website off their computer.) I’m actually a very private person and don’t share things about myself. I’ve always been that way. Actually, I’m a good listener and most people do love to talk about themselves or people in their lives.

My point is with sharing this is…..I am still staying on my weight loss path. Normally, when things use to upset me, I’d find myself raiding the refrigerator for comfort. There’s nothing like a cheeseburger and fries or a pizza, to take my mind off what’s bothering me. This time, I’m sticking to my bottled water.

Today is my 10th day on introducing my healthy life change. I have decreased my calorie intake, and increased my exercise. I am proud to say, I have lost 5 pounds. I had lost 6 pounds but the scales says 5 pounds this morning. Either way, I’m happy with this weight loss. I am not using any particular diet or drugs. I’m just back down to the basics….eating healthy food in moderation and going to the gym.

I refuse to let anyone rain on my parade…even if it is my inconsiderate husband. Gotta run…time to deliver Meals on Wheels for the disabled.

Working Out Using My Rake

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We have a new lawn customer and we cut and trimmed her yard yesterday. I volunteer with her in the gift shop at the hospital when her partner can’t work. I decided to rake all the leaves that were in the front ditch and under her hedges. This bright idea took me three hours and a multitude of leaf bags.

Raking…..bending over and filling the sacks…..carrying them/dragging them to our truck….wow….that was a GREAT workout. Although the weather was cool, I managed to work up a sweat. When I finished and stepped back to look at my work. I was pleased. It looked great. She kept telling me to quit because she thought I was working to hard. I knew she was happy with the end result.

My husband did most of the lawn with the riding lawn mower. I also did all the trimming. Where I live in Tennessee, there aren’t very many flat yards…so it’s my job to use the push mower on the areas that can’t be done with one of our riders. I finished cutting along the ditch and bank of the front yard.

Back and forth…..up and down with the lawn mower is great exercise. I like doing that much better than going to the gym. Today I have a little soreness in my shoulders. My stamina is getting better. One day at a time…..that’s what I’m telling myself.

I tell myself: Healthy eating=weight loss……………… Working out=building muscles and toning up. What can I say………Life is great……I’m feeling good…….ready to tackle another day on my weight loss journey through exercise and healthy eating.

Off I go……today’s my day to work at the hospital gift shop. I hope you all have a wonderful day!!!! I wanted to thank everyone for their comments. They are such a confidence builder for me.

Lost Six Pounds In Two Weeks

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Since I have renewed my weight loss efforts two weeks ago, I have successfully lost six pounds. I am still as committed to winning this weight loss battle. These are the things I’ve done in the past two weeks to lose six pounds:

1. I have been working 3 days a week cutting grass with a push mower for my husband’s lawn service . (4-6 hours each day)

2. I have been drinking approximately 10 (8 oz) glasses of water each day.

3. I am religiously keeping a journal of all my activities as well as what and when I eat.

4. I have switched to low fat foods as well as reducing my carbs to approximately 15 grams or less per meal. I’m eating more fish and chicken while reducing my intake of red meat. ( I also kicked bread to the curb) I now snack on fruit such as watermelon and fresh strawberries. (no more hershey bars or gharedelli candy)

5. Working out at the gym 3 days a week. (I’m up to 45 minutes now) I’ve also started using some of the weight machines.

6. I’ve changed my sleeping habits. I’ve been turning the tv off by 11:00 pm instead of staying up half the night. (my worst snacking use to start after the 10:00 pm news)

These are the things that are working for me. Having realistic short term and long term weight loss goals are also helping me. Hopefully you can incorporate some of them into your life and have success as well.

It’s time for me to get ready to go work in the gift shop at the hospital. I enjoy the people I work with and also the customers. God has blessed me so so much!!!!!!

Weight Loss Stall This Week

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This past week I’ve been busier than a bee. I’ve been working too many hours at the various places I volunteer. I haven’t had a free day this week and I am working tomorrow as well at the thrift store which is part of our local mission.

I got a phone call Thursday night and I start training next Wednesday for 5 days to work on the 2010 census. That’s going to be about 11 hour days by the time I drive there and back home.

The bad thing is, I’ve been helping others so much….I’ve been neglecting myself. That paper and pencil I put on this page…..well……that is just what my daily journal looks like for the past week. Hurry here…hurry there….grab a quick bite of crap food and off to another job. I was only able to help my husband with the grass service one day this past week.

I feel so drained tonight. I haven’t been able to walk or go to the gym once this week. None of my volunteer jobs consist of any type of physical activity. Delivering meals on wheels, sitting in an office pushing a pencil, and working in the kitchen of the gift shop doesn’t burn many calories.

Maybe after I get a good night’s sleep, I’ll feel better. I have to learn to say “NO” when people call me to work for them. I’ve always been a pushover.

I know not losing any weight this week is my own fault. Tomorrow’s a new day….I’ve got to get my weight loss journey back on track. I’ve decided that going to the gym is going to have to be like a job to me. I never missed work before I retired and have never missed a scheduled volunteer day either. Putting it into that perspective, I shouldn’t miss any more days at the gym. (They are open 24 hours)

Wu-Long Tea Diets: Truth & Lies

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There is good news and bad news about the Wu-Long Tea Diet that is so prevalent on the internet today. Do any search for “lose weight fast” and you will eventually find yourself reading an advertisement for Wu-Long Tea. These expensive programs claim quick weight loss results if you consume their mysterious and previously “unavailable” tea blends. Although some research studies absolutely support the fact that Wu-Long tea speeds up metabolism, the amazing truth is that all teas have those same qualities. Also, you don’t need to buy Wu-Long tea from these overpriced sources because they’re not selling anything you can’t already purchase at the local grocery store.

Wu-Long = Oolong

First, let me eliminate the mystery: Wu-Long tea is the same thing as Oolong tea. It is simply another translation into the English alphabet. A few years ago, certain companies began using this alternative translation in an attempt to deceive the public. They hoped that dieters would think a new secret tea blend had come from Asia to magically increase their metabolism. And, unfortunately, it worked.

Many people were deceived and spent too much money on something they already owned. Oolong tea is probably served in your local Chinese restaurant. Of course, it certainly is a delicious and healthy beverage, but, it is not some secret formula that is only known to these diet companies trying to hype their weight loss products.

What Is Oolong Tea?

In North America, we typically group tea products into four basic types of teas (white, green, oolong, and black). It should be noted that Chinese classifications are slightly different and include yellow and red teas among other slight alternative groupings.

Whatever the classification scheme, all teas come from the Camellia Sinensis bush and are so named by the way they have been processed and the degree of oxidization. White tea is the least oxidized and black tea is the most oxidized. Oolong is semi-fermented, or partially oxidized, and the taste qualities reside between black and green teas. The leaves of oolong vary in color, too, from the less oxidized green shades to the more oxidized dark brown shades.

Sometimes called the “champagne of teas,” oolong tea is richly aromatic with a range of floral flavors that are smooth and complex. The variety of leaf colors is determined by how oxidized they are and also determines the flavor and aroma characteristics. The lighter green the leaves, the more floral the flavor. This complexity makes oolong a favorite among tea connoisseurs.

Mostly cultivated in Taiwan and Southeast China, oolong teas involve the most difficult and time-consuming processing of all four tea classifications. It is vital that the leaves for oolong tea are picked at a particular time and immediately begin the processing stage. The processing starts when the leaves are placed in the sun to wither. Next, the leaves are placed on bamboo mats and are shaken so that they bruise, just slightly, on the edges.

This aspect of the processing is required to partially oxidize the leaves. After being shaken they are placed in the shade until they turn a slight yellow. The entire process is repeated a few times. Once the desired level of oxidation is reached, the leaves are placed in high heat so they will not oxidize any further. They are then dried a final time and packaged. Because oolong teas have less moisture in the leaves they have a longer shelf life than green and white teas (but slightly less than black).

Is Oolong the Only Diet Tea?

As research about the health benefits of teas arise, so do fads and exaggerations. We must beware of the diet hype and lies claiming Wu-Long is the one and only “slimming tea”. The fact is that all teas contain a variety of thermogenetic benefits, antioxidants, vitamins and minerals. These antioxidants, as well as other helpful ingredients such as fluoride and caffeine, work to fight heart disease and cancer, strengthen bones and teeth, raise metabolism, and improve mental cognition.

So the truth is that dieters and health conscious individuals in general can benefit from drinking all teas. It is also true that white and green teas typically contain more antioxidants than oolong and black teas; however, there are other benefits in the more oxidized teas that are not available when drinking less oxidized teas. For example, Pu’erh teas undergo an additional stage of processing that allows them to age well in contrast to all other teas, and simultaneously lower an individual’s LDL cholesterol.

Lose Weight and Improve Your Health with Any Tea

Go to pubmed.gov and do a search for “tea”. You will find over fourteen-thousand medical studies that have been published and recorded by the US federal government analyzing the benefits of various teas on the human body. The fact is that all tea is good for your health and the best thing you can do is to drink a variety rather than just focus on one particular style looking for some unique benefit that may not exist in other teas. Remember that all tea comes from the same plant.

For those who like a tea with a weaker richness than black tea, but not quite the grassy notes of green tea, oolong offers the perfect compromise. And with so many tastes available, it is worth exploring the immense varieties of all teas to find a suitable match for each and every palate. Certainly give oolong a try and reap the metabolic rewards of this tea. But, don’t fall prey to the claims that Wu-Long tea is the one and only miracle diet beverage. Save your money from these scam artists, look for a reputable company that sells premium quality loose leaf teas, and drink to your health.

Contributed by Steven Van Solkema, Founder and President of LeafSpa Organic Tea.

Measuring Success in Weight Loss=Ten Pound Weight Loss

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When people are starting their weight loss journey, they always sent themselves some type of goal. Some set a goal to lose “X” amount of weight. Some set more detailed goals to lose “X” amont of weight.

To reach their weight loss goals, people use various diets, pills, and drinks combined with exercise. There are so many weight loss gimmicks out there, with more being presented every day. It’s a real money maker for these companies.

I’ve read a ton of books on weight loss and tried so many methods of weight loss. I find I get discouraged. When that happens, I gain back the weight I’ve lost. I’ve been analyzing why this happen to me. I’ve decided it is because of the way I measure success!! I always set myself up for failure….thus leading to my weight gain.

I have redefined success in my weight loss journey. I am looking at the positive things I do each day and realizing it is a success. Example: Delivering meals on wheels. (I know….you are thinking….what is she talking about.) I now see delivering these meals is two hours of exercise. Jumping in and out of the car, walking to the door with the food…..it’s burning calories.

For me, it is taking a look at my day and seeing all the positive things I’ve done and realizing it’s been a successful day for me. I make sure I document it all in my weight loss journal.

I’ve talked before about setting realistic goals. I have found for me, the most important thing is measuring my success. Of course, some days are better than others but each day, I find I’ve made at least on successful choice. It is keeping me on track and I feel so much better. (I’ve lost another 10 pounds!!!!)

I know I haven’t made a post in sometime but I’m back and will be sharing some of my experiences of late in upcoming posts.

We’ve got a heat advisory out for today so I’m going to get my running done before it gets too hot. I hope you all have a great day. Toodles….I’m off to the store!!!!

Broken Lawnmower Leads to More Exercise

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My little riding lawnmower is broken down. As you can see, my husband has it totally taken apart. All this for a darn $2.34 part. The steering went out on it two weeks ago while I was cutting a lawn. Actually, what happened is the darn thing, it quit turning to the right. All it would do is make a clicking noise when I turned the steering wheel. Needless to say, finishing that lawn by only being able to turn left was tricky. I was proud of myself though. I was able to finish the job.

My husband had me ordered the two parts he thought it needed but neglected to order this little $2.00 piece. So here we are…..waiting again for that little piece to come in so he can reassemble my mower.

I’ve been having to use my pushmower on yards I usually use my rider. I’m afraid to use my husband’s lawnmower. It’s a zero turn commercial Ferris and it goes so much faster than mine. I can still remember when I was afraid to learn how to use the other riding mower. I finally attempted it when I had a 3 acre yard to work in. I figured I would have plenty of space to turn around. I’ve finally graduated up to smaller and tighter areas.

I’ve been getting a lot more exercise using my push mower. I don’t like the self-propelled type so it’s all “pushing.” Anyone that has spent much time in Tennessee knows it’s hard to find a flat yard. I’m up and down hills and gullies most of the time. I know that is burning off more calories than sailing across a flat piece of ground. I’m losing my weight slowly this time and hopefully will be able to KEEP it off.

I enjoy being outside. Cutting grass for me is more fun than working in my flower garden. I hate pulling weeds and hoeing. The past few weeks it’s been very hot. There have been several heat related deaths in our area. To combat this hot and humid weather, I’m drinking plenty of water, taking plenty of breaks in my airconditioned vehicle, and trying to remember to use sunscreen. I only had one day I quit around noon. The combination of the heat and humidity just took my breath away. I started having cold chills so I knew I had been at it too long.

I’ve got to go meet my husband at the church and cut the grass on the playground.

Have a safe and happy 4th!!

Healthy Recipe Using My Garden Vegetables

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My husbands hard work is paying off in the garden. We are finally getting vegetables we can eat. This morning I decided to whip up this healthy dish before we head out to cut grass. I have cooked up freshly diced green peppers, onions, garlic, celery (not from the garden), and baby portabella mushrooms. I added a little sea salt and some fresh ground pepper. It smelled so good while it was cooking, I had to taste it. Yum!! It’s great!!

In another pan, I cooked up some fresh broccoli from the garden and plan on added it to my healthy concoction. I plan on dishing this over jasmine rice (it’s my favorite). I don’t know the calorie content of this recipe but it has to be very low. What a bonus, low calories and good tasting. That is such a winning combination.

It’s still be real hot here. My husband and I are still busy cutting grass. We just picked up another new customer on Thursday. It’s great because they live across the street from one of our regular customers. It makes it nice when you can knock off a couple of lawns without having to drive any distance. It seems we get most of our customers by referral. Our customers are happy with our prices and our work.

I’ve been drinking plenty of water in this heat. The good news is I’m down two more pounds. My husband just finished fixing my push mower ( fuel line was clogged) so it’s time for us to hit the dusty trail.

Hoping everyone has a great weekend!! (We’re going to the weekly Saturday night auction tonight.)

Building Muscles Using An Echo Gas Trimmer

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We picked up another lawn customer this past week. It’s a very large apartment complex. It took us a little over 3 days to cut and trim the entire place. I cut grass with my pushmower as well as the small rider the first day. (even apt. complexes have hills down here) The second and third day, I was doing edging with an Echo SRM 230 string trimmer. The first day I used the trimmer from 9:00 AM until 5:00 PM. The second day I used the trimmer from 9:00 AM until 6:45 PM. I didn’t take a lunch break and only stopped long enough to drink some water while I was cutting the first day. The second day it was much hotter so we did take an hour lunch break.

I love this Echo trimmer. It’s light weight and easy to use. It has a nice big trimmer head so I don’t have to keep loading the string so often. I’ve never done trimming. I’ve always left that job up to my husband. Since there is so much trimming with this complex, I knew I was going to have to learn.

By the end of the second day, I was scooting right along with my trimmer. I’ve claimed that trimmer as mine. Using this trimmer has helped my shoulders as well as my upper arms. I’m looking forward to the next job so I can do the trimming. I tried using my husband’s trimmer but it just didn’t work for me since I’m left handed. The guard on the bottom of the shaft was on the wrong side for me. I had no protection from flying rocks and debris. I tried holding it with my right hand but it just felt too uncomfortable.

It’s been raining off and on all morning so the grass cutting is I’m getting a break. This has given me a chance to make up a large cucumber salad. I’ve used fresh cucumbers, onions and tomatoes from our garden. I add fat free half and half, cider vinegar, and a little sugar to balance the taste. Top it with a little salt and pepper and let it marinate for a couple of hours. This makes for a nice low calorie healthy salad. I don’t put much tomato in the bowl because it makes it too watery. It’s better to just add the tomato to you individual bowl a few minutes before you are going to eat it.

You can also keep adding cucumbers to the dressing. When it begins to taste bland, it’s time to make a new batch of the dressing. (Although it’s not necesary, I usually peel the skin off my cucumbers.)

Weighing the Pros and Cons On My Favorite Milkshake

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Two days ago, after my husband and I finished cutting a customer’s lawn, I got a craving for a milkshake. It’s been so many years since I’ve had one. I couldn’t even think of a place in town that made them.

I went to this icee place and had to settle for a root beer ice cone. I didn’t care for it. It tasted wayyy too sweet. Since I don’t care much for sugar, I wasn’t able to eat it.

When I got home, I still was thirsty for a milkshake. Low and behold I had some Blue Bunny strawberry frozen yogurt in the freezer. I used that large glass in the picture and filled it with ice cream and 2% milk. Wow was that ever good. In fact, I made myself one of these strawberry shakes two days in a row.

I was feeling guilty about all the calories. I was kicking myself for indulging in such a manner. I decided today to take a look at the calories and sugar I consumed. Ahhh….not as bad as I thought. There are 90 calories in half a cup (I used a cup) and there are 120 calories in 8 ounces of 2% milk (I used 2 cups).

The shake really filled me up and on both days it ended up actually being my lunch. I’m not feeling so bad now. I’m glad to see my indulgence wasn’t as bad as I had orginally thought.

Best Hip Replacement Procedure Saves Money, Time, and Anguish

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Hip Replacement

Today’s post about hip replacement surgery reminded me of the huge difference in money, time, and anguish that can occur when a hip replacement is needed. We had a family member who has had a hip replaced in the “regular” way – with months of rehab, following a few weeks in the hospital. Had we known in advance about procedures like the one mentioned in the InsureBlog post “Nice joint. Thanks, I’m hip.”, our family member would have saved months of recovery, thousands of dollars in hospital costs, and been back on her feet in days, back at work.

When looking at the cost of health insurance and procedures, we often overlook the non-covered costs to the patient and family, which can sometimes exceed the costs of the procedure. Being out of work for months, needing additional care at home (or in a facility), and the physical pain and accompanying mental anguish are large costs, too. If you are in the market for a hip replacement, or know someone who might, shop around for different doctors and different approaches. There might be a huge difference.

And while I don’t know alternative treatments for many other maladies, there have got to be some other big ones, such as the difference between back surgery versus chiropractic or osteopathic medicine.

Medicare: What’s Covered and What’s Not

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Medicare - What's Covered and What's NotPuzzle Image

Medicare can be confusing. There are a number of pieces to the Medicare puzzle, and understanding how they fit together and where the gaps are is important to knowing where Medicare coverage begins and ends. For the official U.S. Government perspective on Medicare, visit the Medicare Options Compare website . Remember that Medicare is a financial tool and should be used with your own common sense to determine things you may also want above and beyond Medicare.

Pieces of the Medicare Puzzle

Medicare comes in four parts, with variations, and can be supplemented with other health insurance options purchased privately or from an employer retirement plan. The four parts of Medicare have evolved over time, and names have changed, too. They are now known as Part A (Hospitalization), Part B (Medical), Part C (Medicare Advantage), and Part D (Prescription). The other popularly known piece of the puzzle is Medigap, which is private insurance that supplements the other parts.

Puzzle ImagePart A: Hospitalization

If you end up in the hospital, you're likely to have significant medical bills. Medicare Part A, hospitalization insurance, is intended to help you reduce your liability for those charges that occur when you are in a hospital, a skilled nursing facility, or hospice, along with some home health care expenses.

Medicare Part A Diagram

  • Premium: Varies based on your eligibility. Can range from nothing to several thousand dollars depending on whether you've worked the minimum 10 years to qualify.
  • Out of pocket: You must pay an annual deductible that is close to $1000 for the first 60 days of hospitalization. For 61-90 days in the hospital, you must pay about $250 a day. For 91-150 days in the hospital, you're on the hook for about $500 a day. Go over 150 days and you pay it all.
  • Providers: Anyone who takes Medicare Hospitalization.

Puzzle ImagePart B: Medical (Doctor)

Unpredictable medical expenses can make your financial life a mess. Medicare Part B, Medical Insurance, is intended to balance out the financial ups and downs to help you stay financially sound in the face of medical needs, including outpatient services, doctor visits, and some home health care. It specifically does not include vision, dental, routine foot care, hearing aids, and routine doctor visits.

Medicare Part B Diagram

  • Premium: about $100 a month or more
  • Out of pocket: You pay 20% of the total allowable charges, Medicare picks up 80%.
  • Providers: Anyone who takes Medicare Medical.

Puzzle ImagePart A + B Supplement: Medigap

The Medigap supplement reduces the difference between what is paid by Medicare and what is charged by the healthcare providers. This can really make a difference once you look at the out of pocket costs of Medicare Part A and Medicare Part B. Since it is purchased from private insurers, the quality of the insurance company should be foremost.

  • Premium: Varies. For a 65+ in excellent health, insurers in my county are charging from $60 to $250 a month per person.
  • Out of Pocket: Varies
  • Providers: Anyone who takes Medicare Hospital & Medical

Puzzle ImagePart C: Medicare Advantage from a private insurer

When managed care was introduced for Medicare recipients, many insurers entered the market only to withdraw after a few years, leaving their policyholders unable to get coverage at the same rates. While this market has settled down, there is still a slight risk that this might happen again. Medicare Advantage Policies cover parts of A (hospitalization), B (medical), and D (prescription) and may cover other things, such as vision or dental. These are purchased from a private insurer and feature a "network" of authorized medical providers, much like an HMO or PPO, that restrict which providers you may see in order to be covered.

  • Premium: Varies, perhaps slightly more than A+B+D together
  • Out of pocket: Varies
  • Providers: Restricted to a network of providers. Utilization outside of network may result in higher costs or denial of coverage.

Puzzle ImagePart D: Prescription

Anyone who is taking significant prescriptions or who may take significant prescriptions may want this coverage. While the premium may exceed the cost of prescriptions while healthy, you may find that it works well if you need medication due to an illness. This is a particularly tricky one to figure out the point at which you break-even on the premiums due to the complex nature of the way it pays for medication.

Medicare Part D Diagram

  • Premium: Varies, less than $100 a month
  • Out of Pocket: Varies. An example, after a deductible near $250 a year, you pay 25% until you've paid over $500, and then you pay about another $1500 before you get benefits again: where you pay 5% of prescriptions. Confusing? Yes!
  • Providers: Most pharmacies

Your Medicare Mileage will vary...

It may take some work to figure out the best Medicare options for you and your spouse. There are a few other things to keep in mind before jumping in:

  • Get a good insurer - if you're selecting Medigap or Medicare Advantage, you'll be working with a private insurer - and there is variance in satisfaction.
  • Make sure you play by the rules - ask first, don't assume, make sure it is necessary or covered when possible.
  • Know when to appeal - to the insurer, to the government.
  • Never miss a payment - if you do, you may not be able to get back into the plan, and if you can you may have to wait or pay a higher rate.

What is and is not payable under the plan is always changing - new items are added regularly, and things that you might have had last year may no longer be covered. You should check with your provider to determine what they believe is covered - and hold them to it. If in doubt about coverage of specific items, check with the Medicare Coverage website.

Can’t Get Medical Insurance? Move!

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I know it sounds crazy, but did you know that if you move to another state you may easily get health insurance, no questions asked? The reason is because some states do not allow medical underwriting when applying for health insurance, whereas the bulk of them do. So those states that don’t allow medical underwriting are much easier to get health insurance regardless of medical status – the application forms don’t involve disclosing your detailed medical history.

Sure there’s a waiting period for pre-existing conditions (perhaps six months), but then you’ll have your health insurance – and having health insurance is an essential component of many people’s financial picture. For whatever reason you no longer have health insurance, whether it due to an illness, a family situation, a layoff, or one of the many other reasons, getting it back can be essential. Relocating to a friendlier state may be your solution, along with considering the other options available without moving, including obtaining employment that offers health insurance or buying your own (and making sure that you know all of your options – that’s why I wrote a book on health insurance!)

Moving is not to be taken lightly – there are many consequences and expenses involved with moving. However, you can move to your new state in a very lightweight way, simply by establishing a residence consisting of no more than a studio apartment or a bedroom in a shared house. As you further transition to your new state, you may begin moving more items to the new state, and continue to make your transition. Some people never move everything they own to a new state, but have a second residence elsewhere (such as the scenario that many retirees desire – with a residence in Florida and a second home elsewhere). So long as you meet the defined requirements of residency in your new location, you’ll still continue to be able to travel and visit anywhere that you wish.

So which are the states that offer guaranteed issue health insurance without medical underwriting? Presently the short list of states includes:

* Maine Health Insurance

* Massachusetts Health Insurance

* New York Health Insurance

* New Jersey Health Insurance

* Vermont Health Insurance

A few more states that I’ve found have special programs that really help people in need of guaranteed issue health insurance (check with your state department of insurance as well as others before you make a move):

* Oregon Health Insurance
* Washington Health Insurance
* Michigan Health Insurance
* Rhode Island Health Insurance

If you don’t wish to move, then you may find that your state offers guaranteed issue health insurance, subsidized rates for certain income levels, and special programs and special times of year when health insurance is not medically underwritten. There may also be specific special programs for those that have lost employment due to jobs moving overseas, or certain other industry and natural events. The best place to start finding out about these programs is with your state department of insurance. You can find contact information for your state department of insurance at State Health Insurance Resources at http://www.besthealthinsurancebook.com/state-health-insurance-resources/

As always, consult your team of financial and medical professionals before making a move. With these ideas and their advice, you may be better off.

Health Insurance Q&A for Small Business

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This health insurance question came to me recently and I thought it worth sharing:

We are meeting with our health insurance broker tomorrow to review and select options in providing our employees HMO/PPO health insurance benefits. We have many options, and many rates in front of us between two insurers. Would you be able to suggest a few key critical review questions we should be asking our broker both from the perspectives of 1) lowest cost options to the company and 2) acceptable employee options? We have under 50 employees now, and are going to contribute 50% to the plan for the employees. None of us are experts in benefits, so we want to be sure we are making the choices in both the best interest of the company and to our employees which range in age from 22 to 75, half of which are over 50.

From a benefits perspective, you certainly know more about what it takes to attract and retain employees in your industry. My recommendation is to make sure you get all the numbers to make your health insurance spreadsheet for comparison and know how high a health insurance deductible your group will be able to tolerate (the higher the health insurance deductible, the lower the monthly health insurance rate). Depending on the group of employees and creative strategies allowed in your state, some companies are able to create reimbursement packages for employees such that they buy their own health insurance and/or receive HSA contributions from the employer.

Buying health insurance will be an annual exercise for your company, and of course there are other options such as employee leasing companies that can handle all of these details for you. Be sure to check out news stories (such as those from the LA Times and the Wall Street Journal) on these health insurers as well as to check them out via the free online databases in the health insurance resources center. You may also wish to make sure you are considering all of your options by looking at the insurers rated best at in the health insurance resource center and ensuring that you have health insurance quotes from them.

Best wishes on your search.

California health insurance ambition narrows

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Seeking to salvage two years of efforts to completely remake California's health insurance system, Gov. Arnold Schwarzenegger and Democratic legislators are nearing deals intended to rein in costly, meager medical insurance policies sold directly to individuals.

In the final weeks of the legislative session, they are negotiating measures that would limit insurer profits on California individual insurance plans, require plans to provide a minimum set of benefits and restrict insurers' ability to cancel policies retroactively.

The new focus reflects how far Schwarzenegger remains from his original healthcare goal: to orchestrate medical insurance for the 5 million Californians who lack it. Despite a year of strenuous campaigning for his vision, which garnered attention nationwide, the state Senate rejected that $14.9-billion plan in January.

Many of the concepts now under discussion were included in that proposal. Although most supported the governor's broader effort because it would have created millions of new customers, the industry is uniformly resisting the current push to circumscribe some of its most lucrative products.

Three million Californians buy health insurance on their own rather than through employers. Insurers keep health insurance premiums low -- and profits high, their critics say -- on some individual policies by limiting the services they cover. Such plans may exclude prescription drugs and maternity services, for example; others may cover only hospital visits.

Many of the policies have big deductibles and require patients to pay large portions of their expenses, costing them much more than coverage obtained at workplaces.

Insurance Cancellation Questions Could Spread Beyond California

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Today’s Health Blog jargon of the day is rescission, the California insurance industry’s practice of revoking individual insurance policies because of health-related mistakes or omissions on the application for coverage.

The companies say this is a key step for fighting fraud, but they’ve come under criticism in California by those who accuse them of going over applications with a fine-tooth comb after members who’ve been enrolled for a while get sick or injured and start submitting claims.

Now it looks like the push-back against rescission may be spreading. Henry Waxman, a Democratic California Congressman, held a hearing on the subject yesterday and said his oversight committee plans to investigate the issue nationally.

“I understand that California insurance companies need to protect themselves from fraud,” Waxman said in his opening statement. But “insurers are using technicalities or trumped-up ‘misrepresentations’ to rescind policies after individuals get sick and accumulate hundreds of thousands of dollars in medical bills.”

The health insurance industry supports third-party review, established by the states, for rescission decisions, Stephanie Kanwit, special counsel to the trade group America’s Health Insurance Plans , said at yesterday’s hearing.

Kanwit said the practice is very rare. And, she said, collecting accurate information on applicants’ health history is essential for the insurance market to function. “When individuals wait until they are ill before purchasing health insurance, costs are increased for other policyholders who pay into the system on a regular basis,” she said.

Meanwhile, back in California, the industry’s rescission problems are rolling on. The state’s Anthem Blue Cross and Blue Shield yesterday agreed to pay the state $13 million in fines and to offer new coverage to more than 2,200 Californians the companies dropped after they became ill, the Los Angeles Times reports. As part of the agreement the companies didn’t admit wrongdoing.

And earlier this week, Los Angeles’ city attorney announced a lawsuit against Blue Shield over the rescission issue. The city attorney launched an investigation into the issue earlier this year, and has already filed lawsuits against a few other insurers.

California Children at Risk of Losing Health Insurance Coverage

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Thousands of California children could lose health insurance coverage in the coming months as a result of changes in Medi-Cal rules and decreased funding for local efforts that have provided coverage to children, the Los Angeles Times reports. Medi-Cal is California's Medicaid program.

State lawmakers will require parents of children enrolled in Medi-Cal to renew their enrollment every six months.

The administration of Gov. Arnold Schwarzenegger (R) projects that the requirement will contribute to a drop in Medi-Cal enrollment over the next two years of about 196,000 children.

State lawmakers also have increased monthly premiums for Healthy Families, California's version of the State Children's Health Insurance Program , by $2 to $3 per child.

As a result, the state estimates that the parents of 19,000 children no longer will receive coverage through the program by July 2009.

The changes to Medi-Cal and Healthy Families were approved as part of a larger effort to address the state budget deficit.
Local Efforts.

Beyond changes to Medi-Cal and Healthy Families rules, children also could lose coverage because of funding challenges faced by local initiatives operating in 30 counties. The efforts target children who are ineligible for Medi-Cal or Healthy Families because of income or citizenship requirements.

The initiatives are funded largely by private philanthropies and local First 5 commissions, which disburse funds from a state tobacco tax for early childhood health care and education efforts.

Wendy Lazarus, co-president of the advocacy group Children's Partnership, estimates that enrollment in the efforts has dropped by 8,000 over the past two years.

California Health Coverage Costs are a Bit Lower

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Cost increases for California health insurance premiums are lower this year, and although California’s are higher than some other states, they are also still lower than in previous years.

The Kaiser Family Foundation and Health Research and Educational Trust confirm what news wires also are reporting: nationally, the rise in cost of health care premiums is about 5 percent. This continues a trend from 2007, when a similar small cost increase was instituted.

However, according to Randy Jones of Hometown Insurance Services in Solvang, in California premiums are somewhat higher: “Ours in California, the rate went up higher than that. We’re getting a 10 percent rise,” he said.

Although the national increases were reported at the end of September, California’s current insurance rates are more difficult to come by. Insurance industry and regulatory agency figures found on the Internet indicate the 10 percent rise is in the ballpark.

“If increases aren’t as bad this year, they were pretty horrendous last year,” Jones continued. One reason California’s premiums are not shooting up, he said: “We’re healthier.”

Another reason that California’s health insurance premiums have stayed relatively low, according to Jones, is the result of a ballot measure from about 15 years ago. That measure was approved by voters, capping punitive damage amounts. “So insurance companies don’t have to approve every little thing for fear of being sued,” Jones said. “But quality of California health care the hasn’t changed.”

The Kaiser study showed that not only insurance premiums have shown a steady increase. “Cost sharing for medical services has also increased in recent years. The percentage of employers sponsoring insurance and the percentage of workers covered by employer-sponsored insurance remained stable over the past year.”

ABC's Dr. Tim Johnson, 15 Years of Shilling for Universal Health Care

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ABC's liberal medical editor, Dr. Tim Johnson, appeared on Wednesday's "Good Morning America to boost Barack Obama's universal health care plan and critique the more market oriented proposals of John McCain. Co-host Robin Roberts began the segment by seriously asserting, "We're not endorsing one plan over the other. We're just showing the differences between the two."

But after she mentioned Obama's assertion during Tuesday's presidential debate that health care is a right, Johnson marveled, "But, I'm struck by the language of the right to life, liberty and the pursuit of happiness. Without good health, and that usually means without good health care, it's hard to have those other rights." Johnson, despite being a doctor, adopts the standard, liberal positions of most journalists and has a 15 year-plus history of advocating universal health care , including once asking if Republicans who opposed the policy were "immoral."

Regarding Senator McCain's idea to give people the opportunity to buy individual plans, even if they don't have an employer, Johnson criticized, "That's a difficult thing to do because there are so many different plans marketed." Accentuating the negative, he added, "So, you've got to do a lot of work on your own and read the fine print. It's a very difficult job for an individual."

Johnson found no such criticisms for Senator Obama's proposal. After describing the various health insurance plans the Democrat would offer, he approvingly observed, "But these plans will have been vetted by the government, just like they do for federal employees...But you know they've been vetted for basic care and coverage and that the cost is fair."

Grim Health Picture For California's Low-income Kids

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There are some positives - the number of overweight children in California declined slightly and preschool enrollment increased. Yet the overall health picture, especially for California's low-income kids, is grim according to a new research brief "Trends in the Health of Young Children in California" by the UCLA Center for Health Policy Research and sponsored by First 5 California.

The brief found that two-thirds of California children are without health insurance are from low-income families. Low-income children utilize community clinics for primary care at three times the rate of higher income children. And the proportion of children enrolled in private health insurance is shrinking - while the reliance on public programs is growing.

"The research suggests there has been a steady erosion of health care and health access for the most vulnerable children," said David Grant, lead author of the policy research brief and director of the California Health Interview Survey (CHIS). "As Californians, we have a lot of work to do to reverse the trend."

The research brief examined trends in health among Californian children from a wide range of ethnicities and economic backgrounds. It is based upon an analysis of data collected by CHIS, the nation's largest state health survey, in 2001, 2003 and 2005. Conducted by the UCLA Center for Health Policy Research , CHIS surveys up to 50,000 Californians - including up to 10,000 children - every two years.

"There is no higher priority than the health and well-being of our children," said Kris Perry, executive director of First 5 California. "This research brief provides a valuable reminder of where our priorities must be, even at a time of scarce resources."

Researchers drew upon those interviews for "Trends in the Health of Young Children in California."

Among their findings:

Fewer overweight children: The prevalence of overweight children ages 0-5 dropped slightly in California from 14% in 2001 to 12% in 2005. There were steep drops in Riverside County (16.2% in 2003 to 12.4% in 2005) and San Bernardino County (16.2% in 2003 to 8.4% in 2005). Los Angeles County also dropped (14.3% in 2003 to 12.8% in 2005) as well as Alameda County (13.4% in 2003 to 8.9% in 2005) and San Diego County (12.9% in 2003 to 8.5% in 2005).

No improvement in health insurance coverage: The proportion of children ages 0-5 in California who lacked health insurance for all or part of the previous year - one in ten children - remained unchanged between 2001 and 2005.

California farmers, ranchers struggle over health care costs

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California’s farmers and ranchers are struggling with health care bills that, in some instances, threaten the viability of their family businesses, according to a report Wednesday by the Access Project and funded by the California Endowment.

The report finds that while almost all farm and ranch operators have health insurance, one in five says that California insurance premiums and other out-of-pocket health care costs are causing financial difficulties for themselves and their families.

These families report spending 37 percent of their income on health care coverage and medical costs.

“A better term for health insurance that leaves nearly one in five purchasers in financial jeopardy might be called ‘product failure’,” says Carol Pryor, a report author and policy director for the Access Project.

The survey also found that more than three in 10 farmers and ranchers (31 percent) are spending at least 10 percent of their annual income on health insurance premiums , prescriptions and other out-of-pocket medical costs. Spending this much on health care is a commonly used indicator of financially burdensome health care costs, the report’s authors say.

Farm and ranch operators are especially hard hit because they are often forced to buy insurance on the individual, non-group market, where insurance generally costs more and covers less, says the report.

The study shows that on average, those farmers and ranchers purchasing insurance in the non-group market spent almost twice as much on health care as those who got their health care coverage through off-farm or off-ranch employment. The median amount spent by farmers and ranchers who got insurance on the non-group market was $8,500 a year (including premiums and out-of-pocket costs), compared to $4,630 spent by people who got insurance through employment off the farm or ranch.

Three in 10 of the study’s respondents purchased health coverage directly on the open market. Nationally, only 8 percent of Americans obtain their health insurance this way.

“Right now farmers are faced with increasing costs for everything – fuel, feed, fertilizer. Adding exorbitant health care costs on top of these expenses is simply not sustainable and threatens the viability of family farm operations,” says Lynn McBride, director of the California Farmer’s Union.

One-fourth of those surveyed (26 percent) report having to draw on other financial resources to cover the costs of care. Of these respondents, 70 percent dipped into family savings and nearly one in three (29 percent) incurred credit card debt or increased existing debt. Others took out a loan, borrowed against their farm, withdrew money from a retirement account or turned to friends and family for help.

Why is single-payer health reform not viable?

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When it comes to health care reform in America, there is a relatively simple solution that will cover everyone's basic health care, control costs and save businesses, most people and the country a lot of money.

It's called a single-payer health plan, where the government collects taxes to finance national health insurance. The government, which is the "single payer," covers all citizens and pays the bills when they visit private (or public) doctors, hospitals and other facilities for medical care.

All would have basic coverage, regardless of whether they have a job, or where they work. Nobody gets billed for basic care. No-body goes broke because of medical bills.

Yet this option has been declared "off the table" by Sen. Max Baucus, D-Mont., who's among those leading the charge for health care reform in America.

Top Democrats who will be deciding policy in America in 2009, including Baucus and President-elect Barack Obama, say single-payer is "not politically feasible," because the public won't strongly support it.

What they really mean is that when it comes to health care reform, they don't want a political fight with some of the nation's most powerful financial interests, which have the resources and the motivation to turn public opinion against meaningful reforms.

These interests include the health insurance industry , pharmaceutical drug companies, some hospitals, highly paid medical specialists, medical suppliers and others who now profit handsomely from our current system - and who could no longer command those profits under a single-payer system or an alternative form of a national health plan.

Public Health Insurance Would Be Too Good and We'd Like It Too Much

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A common thread is emerging in the right wing response to healthcare reform. Its opponents aren't claiming that public healthcare will be bad. Rather, they are terrified that the new system will be so good that no citizen would buy expensive private insurance--or vote for politicians who wanted to take public insurance away.

The Obama team is sending clear signals that healthcare reform is a core economic issue, and the health insurance industry is becoming increasingly anxious by the future administration's determination to bring healthcare costs under control. Some Americans are seeing their healthcare premiums rising at four times the rate of inflation, if they have insurance at all. Healthcare reform is a pocketbook issue for all of us, according to the Obama team.

In tough economic times it might be tempting to postpone healthcare reforms, but Obama is adamant that delay would be a false economy.

In the American Prospect, Joanne Kenen and Sarah Axeen support claims about the high cost of doing nothing:

A recent report by the New America Foundation's health-policy program estimates that the cost of doing nothing about health care, including poor health and shorter lifespan of the uninsured, is well above $200 billion a year and rising. That's enough to and still have some left over for other public-health needs.

If healthcare costs continue to rise at their current rates, it will cost $24,000/yr to insure a family of four by 2016, an 84% increase from today. At these rates, half of American households would have to spend at least 45% percent of their income to be insured.

In the Nation, Willa Thompson describes how a bicycle crash made her appreciate the connection between healthcare and politics . Thompson was 21 years old when she suffered major injuries after a collision with a truck. Luckily, she was covered by her parents' medical insurance until she turned 22. She later realized that if she had been just a few months older when the accident happened, she wouldn't have been able to pay for her medical care.

We all agree that something needs to be done. Let's briefly review the options that have been proposed so far. Obama wants to provide healthcare for all by requiring private insurance companies to cover everyone and creating a public health insurance plan to compete with private insurers. The second part of his plan is the public option that Republican opponents are so scared of.

California Offers Lessons on Insurance Exchanges

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As Congress debates creating insurance "exchanges" as part of a health-care overhaul, the failure of a similar effort in California may offer important insights, former participants in the program say.

From 1993 to 2006, small businesses in California could buy health insurance through an exchange run initially by the government, and later by a nonprofit group.

The plan was undermined when some businesses with relatively healthy workers bought policies more cheaply directly from insurers, bypassing the exchange. That left the exchange with a shrinking pool of less-healthy workers, forcing rates higher and prompting many insurers to withdraw. Managers chose to shut the program in 2006 when one of three remaining insurers withdrew.

"There are definite lessons to be learned," said John Ramey, who as former head of the Managed Risk Medical Insurance Board helped implement California's exchange. "We learned them the hard way out here."

Among those lessons, he and others said: Employers and individuals who qualify must be required to obtain health insurance through the exchange. Failing that, John Grgurina, who ran California's exchange from 2002 until it ended, said government must impose rules governing rates and eligibility to protect the exchange from attracting a disproportionate share of high-risk people.

An exchange aims to get better prices for coverage by banding together businesses and individuals. Insurers would have an incentive to join an exchange because they would gain access to more potential customers. Individuals and employees of businesses that participate in an exchange would be able to chose from the available plans and pay the same rate.

Exchanges, either on a regional basis or a single national one, are likely to be a part of any final health-care legislation. Late Friday, the House Energy and Commerce Committee approved its health-care bill, though a full House vote won't come until the fall.

President Barack Obama on Saturday praised the House committee's action and urged lawmakers to "build upon the historic consensus."

The compromise proposal agreed to in the House Friday exempted more businesses from the mandate to provide coverage to their employees and offered subsidies to fewer individuals to buy insurance through an exchange, which would shrink the number of potential participants.

Each of the three major bills -- one in the House and two in the Senate -- would create one or more exchanges. The specifics vary, but most of the proposals would impose more regulations than the failed California program, which analysts say would help the exchanges compete.

Despite California's struggles, insurance exchanges are still the most effective way to expand coverage, said Elliot Wicks, a health-care consultant who wrote a report on the California program. The report, released last month, was commissioned by the California HealthCare Foundation, a private independent nonprofit.

Veterans of the California effort said the ultimate effectiveness of any exchange would rest on details that have yet to be worked out. They said the pool of people in an exchange should be as broad as possible, to spread both risk and administrative costs.

Health Insurance Blog

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Plenty has changed since 2006, the latest year that the uninsured of California was counted by the U.S. Census. But even then, many months before the current recession hit, the percentage of people living without health insurance in our state was startling.

This week, the Sacramento Bee laid out the statistics, finding quite a disparity between those with health insurance and those without. Just in the five-county region The Bee covers, Yolo County posted an uninsured rate of 22 percent of people under 65, while the more prosperous Placer County -- with more employment-based coverage -- posted a 13.7 percent rate.

That's quite a disparity, and the article by Phillip Reese and Anna Tong is worth reading. But the Bee doesn't limit information to its circulation area, it also posts online a comprehensive rundown of each of California's 58 counties' uninsured rate, along with an interactive map of the state and rollover charts.

Here's a sampling of what the authors wrote:


"The uninsured present an immense fiscal and public health challenge: 18,000 Americans die each year because they aren't covered, according to the Institute of Medicine, a nonprofit research organization. This is because having insurance is closely tied to health outcomes: The uninsured won't see a doctor regularly, and if they seek care it is likely to be inadequate or too late.

Moreover, the uninsured are a cost for society: One economist recently estimated the tab at $56 billion per year, 75 percent of which is paid by governments. In cash-strapped California, that cost is critical: 6.6 million residents went uninsured in 2007, more than in any other state, according to the California Healthcare Foundation."

You can bet that, with massive layoffs and small businesses closing since that Census count, the number of those among us -- members of our communities -- who are going without health insurance is a great deal larger. Factor in the Governor and Legislature's cuts in health and insurance programs for lower-income Californians, their children and the elderly, and you get an unimaginable sum of fellow Californians without access to affordable, quality health care -- notably, preventative health care, with better outcomes.

This is what the conversation about health care reform boils down to, not pumped-up talking points and hyper-emotive protests based on misinformation. This is not a partisan issue. It is a people issue. And the bottom line is that the majority of Americans have already voted -- for substantive change for a better future for our country.