Health and Wellness Are About Embracing Your Life

Health and wellness are a lifestyle choice, not a diet, but to achieve it, you need to make a decision to change the way you look at yourself in every moment: who you think you are, your place in this world, and how you choose to take care of yourself. The choices you make about health and wellness are likely to be some of the most important decisions in your life. The three basic components of health and wellness are education, prevention and intervention. Health and wellness are key elements in the full experience of happiness. Wellness, on the other hand, is defined as the overall process of maintaining a general state of good health.HealthWe all want to live long healthy lives, but at times, don’t take care of ourselves like we need to. It is important to remember the role of natural healing, whole nutrition, complementary and alternative therapies, and ancient practices that have been helping people achieve greater physical and mental health for centuries. Healthy behaviors are most effective when practiced for a lifetime. Health, wellness, and fitness are influenced by the aging of our population. Physical activity is critical to the development and maintenance of good health. Good physical fitness is important, but it is not the same as physical health and wellness.FitnessEvery moment is an opportunity for you to enjoy living when you choose health and wellness through fitness in harmony with the life you currently live. By learning to develop sustainable fitness habits you can fully enjoy your life. Now more than ever people are in need of professional guidance toward improved fitness and health. With hundreds of fitness and recreation opportunities offered around the city, you’re guaranteed to find a place you belong. You can exercise in the privacy of your own home with a fitness program suited for you. The health-related components of physical fitness are directly associated with good health.NutritionWithout the right nutrition and lifestyle, which are “good” choices, our bodies age faster and become weakened and diseased. Nutrition is the basic, essential process of nourishing or being nourished, especially the process through which a living body assimilates food and uses it for growth and for replacement of tissues. Nutrition is in fact one of the cornerstones of good health for all. Nutrition is an important consideration regardless of age but choosing vitamins and minerals for kids is especially important as they are still growing.SupplementsIn addition to a healthy diet, many healthcare providers will encourage supplements to increase the probability that you get all the nutrients you need. Supplements not only help the body physically to heal, but the proper supplements can change your emotional well-being. Whether a person is looking to balance their diet with the right nutrition content, they’re interested in adopting a smart, but healthy low carb meal plan or they want to add nutritional supplements into their everyday routine, there are good ways to go about those prospects and bad ones. Following suggested use for diets and nutritional supplements can result in great benefits for the body and overall health. Plus, there are wonderful nutrition vitamins and nutritional supplements that can fill in where diet falls short.ConclusionGood health and wellness are not a luxury but an essential for people everywhere to reach their life’s potential. The secrets to health and wellness are simple: good life style and wholesome diet choices; sufficient rest, exercise, and good water; conscientiously practicing your faith; and spending time with friends and family who love and support you in healthy ways.

Consumer Managed Health Care and Health Savings Accounts (HSA’s) May Be the Wave of the Future

The need for reduced health care cost brought about the formation of Health Saving Accounts about four and a half years ago and their use has grown in use by American consumers exponentially. Most consumers will agree that health insurance is too expensive especially if you have a family to cover. Deciding what policy makes the most sense can be confusing regarding co-pays and deductibles, and features because the ones with the most features and lowest deductibles cost the most so you are left with the dilemma of determining how much will you actually use if you pay for all the bells and whistles. This is where the Health Saving Account can make it possible to get great coverage with a reduced premium and have a reserve expense account for when a major medical expense does occur.Why Use A Health Savings Account?Most consumers choose health plans with low to medium deductibles and co-pays for doctor visits and prescription drugs to defray the cash outlay for health related expenses. Deductibles are the amount you the consumer pay before your insurance kicks in to cover the difference. While these traditional plans can ease the pinch on the pocketbook at the initial appointment or at the pharmacy, you actually pay for these features in the form of a higher premiums.The concept behind Health Savings Accounts (HSA’s) is that you choose a plan with a high deductible because plans with higher deductibles have much lower monthly premiums. The savings in premium for the high deductible plan is then placed into a HSA account owned by you. The contributions to the HSA are 100% tax deductible from your income up to the legal limits and the money accumulates tax deferred sort of like an IRA for health care. As long as the money is used for any qualified health care cost then it is also tax free. The best part is the contributions are yours to keep and they continue to accumulate interest. If you change jobs or become self employed the HSA account goes with you, and unlike Flexible Spending Accounts that have the “use it or lose it provision” these accounts do not forfeit your contributions.Is A Health Savings Account Right For Me?HSA’s were originally created as a tax deductible medical insurance program with the self employed consumers in mind, but were quickly recognized as a viable solution to better manage health care cost for all Americans. Some advocates believe that HSA’s are geared primarily toward wealthy self employed families in good health who need a low cost plan for any major medical expenses. Clearly it makes more sense for somewhat healthy individuals to benefit more from the cash accumulation than someone who actively is tapping into their insurance because of health issues. The consumer market says these plans are growing in favor within only a few years over 3 million have signed up for HSA plans and that number is expected to be over 30 million by 2010. Determining if an HSA is right for you will require you to consider your current health insurance cost and how you feel about covering the smaller healthcare expenses in exchange for a lower premium. The savings in premium can be substantial and once you have fund accumulation you will have enough to cover doctor visits co-pays prescription and deductibles. The benefits of the HSA are twofold; Lower overall insurance premiums and a self managed tax deductible medical expense account. One of the greatest uses in our current economy with the suffering employment market would be the ability to use a HSA account to fund a short term medical plan for a consumer or family income earner who has lost their employer sponsored health insurance plan.How Do I Enroll in an Health Savings Account Program?Most major health insurers such as Assurant, United Health Group Golden Rule and Aetna provide Health Savings Accounts right alongside their traditional medical insurance programs. Agent websites with carrier links will actually spreadsheet the different plans side by side for you to compare. Agents also can provide you a personalized comparison to show how you might save by making the switch from traditional plan to an HSA plan. Many of the carriers have already established bank accounts with debit cards allowing you to sign up for the programs all at the same time.Health Savings Accounts are clearly a viable option and will likely continue to offer more features and options as more consumers learn about them and employers begin to introduce them. The long term benefit is better managed health care and lower overall cost to consumers.