Saturday, October 13, 2018

Community and Charity at Heart of Fitnes Club

Not everybody who goes to the gym is trained by a previous professional fighter from the blood and thunder world of combined martial arts (MMA) who as soon as ranked fifth in the UK.Nor do many keep-fitters have the possibility to take advantage of the guidance of a guy who was crowned Coach of the Year 2015 in the Battle Arena Awards.

However, those who train at Tap or Snap, which has been based in Ashfield for 14 years, have just that at their disposal.For the driving force behind the club is Christian Smith, 42, who carved out a professional fight career from 2002 to 2011.

He has been an expert MMA coach since 2006.Tap or Snap, which opened new premises at Devonshire House, Sutton-in-Ashfield, this month, is affiliated to Shooters MMA, which is a blended that team is represented in a number of countries.

Shooters trains teachers, supports affiliated academies and promotes the team’s fighters and is involved in producing champions at various levels.Christian, who runs the club with his other half Maxine, described: It was by chance that I got into MMA.

I’d done a bit of boxing-type training but when a pal of mine had an MMA battle down in London I helped him prepare when I went to watch I simply fell in love with the sport.It all went from there actually.When I began experiencing success individuals wanted to train with me and I ended up being a bit of a local leader for the sport.

For Christian these days, MMA and Tap or Snap is by no means all about the cream of the crop.Motivation is provided for children through training boot camp for disadvantaged kids.As training expert and amateur fighters, the club is at the heart of the neighborhood.

It was established in 2002 by Christian and in 2006, through coach Dave Morris, became associated to Shooters.With more than 150 members Tap or Snap places a huge focus on family fitness.

Options consist of Elite fitness including Tabata training, TRX workouts, core classes, body weight classes, boxing, Thai boxing, submission fumbling, MMA fitness, women just MMA and yoga.

Christian, who has three children, Tia, 16, Rio, 13 and Thor, nine, said: Children start as young as 5 years of ages and we have members in their 50s who likewise train routinely.

We are a family-run business so we understand the challenges moms and dads in some cases deal with when it concerns exercising so we cater for families to train together by making sure kids and grownups classes run alongside each other.Christian has secured financing from Nottinghamshire County Council for one of his children’s boot camps, targeted at kids who are socially omitted.

He said: Some of the kids that come have autism or ADHD or they put on t have a very good background so we work with them to teach concentration, self-confidence and discipline.They respond actually well to the sessions and it’s terrific to see them develop.

The club is likewise huge on fundraising which has actually previously been for Rainbows Children’s Hospice.Its latest charity endeavor will realize members raise money for those who deal with Parkinson’s disease through Ultimate Charity Fighter.

The scheme has actually realized 28 rivals, both men and women, register for the eight-week totally free training program, which sees them take part in three training sessions a week, learn the essentials of MMA and after that compete against one another in a controlled, household environment.

The club’s occasions have actually constantly been well supported and cash raised this time will be donated to the City Hospital Rehabilitation Unit to assist movement and exercise for Parkinson’s clients.The occasion will be hung on Saturday July 30 at the Grosvenor Rooms in Sutton-in-Ashfield.
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Wednesday, October 10, 2018


Among the adult population, the best premium rates are always offered to groups. This makes the policies offered to employers the best value for money. But if you are self-employed, your employer does not offer a health plan, or your COBRA benefits have run out, the only option is to buy a private plan. Children are not able to buy a policy in their own right but must rely either on the coverage provided under their parents' plan or on state coverage.

Older people
As people grow older, it grows harder to find insurance companies prepared to offer cover. Once the magic age of 50 is reached, most insurers insist on a medical to prove you are insurable and do not have a pre-existing condition likely to cost a lot to treat. Because the insurance is only going to cover you up to 64, you end up with a policy costing more for less, i.e. there are fewer areas of medical treatment covered and the premium is higher. For the record, everyone over 65 falls within Medicare but, for those who wish to pay, there are supplementary plans to top up the Medicare benefits.

This makes the age group between 50 and 64 the most vulnerable. How much can you afford as a monthly premium, what level of deductible can you afford and could you afford co-payments? When you have these numbers, look at what you can buy. Be careful to check whether the policy has a yearly or lifetime limit on how much will be paid out. Start by looking at HMOs and PPOs, remembering that some states tell insurers to have open enrolment, i.e. to accept you for at least one month even though you may have an existing health problem. Check with your state's insurance department for the local rules. Your state may also operate a high-risk pool for those refused coverage.

In August 2009, President Obama signed the Kids's Health Insurance Program Reauthorization Act (CHIPRA) into law allowing more children to get health coverage. Every state has some protection for everyone up to the age of 18 being offered free or low-cost insurance. The combination of Medicaid and State Children's Health Insurance Program (SCHIP) offers a comprehensive safety net for all low-income families with children who are uninsured. CHIPRA bails out those states which have budget deficits with more than $6 billion released so far this year from federal funds. The intention is that families earning less than $44,500 should be eligible to receive help with the cost of getting prescription drugs, hospital treatment and dental care. Central and state governments have recognized that the future well-being of the nation depends on the health of its children. If the US is to continue strong, its children must grow up healthy. This is not some pie-in-the-sky scheme. This is every family's right to cheap health insurance for their children. Contact your state's CHIP/Medicaid program today for details.
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In theory, insurance is easy to understand. A group of people facing the same potential risks come together. They assess how much they might have to pay and divide that amount among the group members. Think of it as like saving enough money for that rainy day. They all enter into a contract, now called a policy, and that's where it starts to get difficult. Once lawyers are involved, what's simple is lost in complicated language. It's as if the insurers want to hide exactly what's on offer. Well, here's what should be a straightforward explanation of the choices you have to make when looking for cheap private health insurance coverage.

The policy or plan is a contract between you and the insurance company. The price you pay for the coverage is called the premium. You need to read the small print to find out exactly what is included in the coverage and how much you have to pay. That way, you see which policy is the best value for money.

All policies or plans use the "indemnity" principle, i.e. when you are expected to pay expenses or bills for your health care, the insurer steps in and pays it for you. The extent of the coverage is fixed by the companies and depends on how you incur the liability. All policies are no-fault, i.e. they pay out no matter why you need treatment.

The most expensive policies are full indemnity, i.e. the insurer pays out no matter how the bills arise. This gives you complete freedom to pick the hospital or doctors to treat you. With this policy, you pay all the bills in full as you go along and then claim the money back from the insurance company. All the other policies limit your freedom in some way. The more limited your choices, the lower the premiums charged.

The most popular policies are called HMOs (Health Maintenance Organizations). This gives you access to a network of doctors and hospitals. One doctor is nominated as your primary healthcare physician and this person acts as a gatekeeper. To get access to others in the network, your primary physician must approve. With a referral, you can then go anywhere inside the network. Note that any care given by an organization or person who is not a member of the network will be at your own expense! The advantages of an HMO are that premiums are generally lower with reduced co-payment requirements and smaller deductibles.

A POS (Point of Service) has a physician to act as a gatekeeper but, if you declare yourself willing to pay the additional costs of a referral outside the network, you have the freedom to choose.

A PPO (Preferred Provider Organization) is an HMO without a nominated physician acting as a gatekeeper. This gives you more freedom to pick your own healthcare professionals but the premiums are higher. If you stay within the “preferred” network, costs are generally lower. Once you go out of the network, the charges will rise. This may expose you to higher co-payments and deductibles.

There are other policies and plans available to cover you against disability. If you have an accident or disease leaving you unable to work, you can claim a proportion of your loss of earnings and the cost of longer term nursing care. These policies can be quite expensive so always ensure you read the small print before buying.
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Tuesday, October 9, 2018

Health Insurance Cost Vary by Where You Live

Most of us would expect that no matter where you go, the cost of health insurance would stay relatively the same. Unfortunately, that’s not the case at all.

Where You Live Can Cost You

To give you an idea of how pervasive this problem is, take a look at this example: In 2009, citizens of the District of Columbia spent twice as much on their health care, at $10,349 per capita the highest cost in the nation, than Utah, which spent just $5,031 per capita.

So, what’s contributing to the cost disparity?

A Lack Of Insurers

One problem The Affordable Care Act (ACA) has made clear is that in some parts of the country, there just aren’t that many insurers. For example, according to a May 2014 New York Times article, “One Reason Health Insurance Premiums Vary So Much,” in the government exchanges for the city of Tucson, Arizona, there are at least eight insurers looking to earn the business of citizens. In the city of Jackson, Missouri, there’s just one.

It’s not really clear why, or how, this happens. Some areas just simply have an overall lack of insurers, which means less competition and as a result, higher health insurance costs.

A Lack Of Hospitals

In some parts of the country, there’s a grand total of one hospital. That has many disadvantages, as you might guess, but one of the major ones is that this hospital pretty much sets the prices for any medical procedures in the area. And, just like any other market where a business has a de facto monopoly, they’re not usually inclined to keep the costs low.

As a result, premiums are driven up simply because the insurers don’t have a lot of leverage. It’s not like they can send some of their policyholders to a competing hospital, after all.

Cost of Health Insurance Premiums Vary Wildly by Where You Live

Can This Problem Be Fixed?

The problem of fewer insurers will hopefully be fixed by the free market. After all, if somebody can come in and offer the same insurance at a better price, that’s going to drive down the overall cost of insurance in exchanges.

But the problem of fewer hospitals is a stickier one. How do you encourage competition in an expensive industry with relatively little medical need? It’s a question we’ll have to figure out the answer to.
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Affordable Health Insurance Quotes for Individual & Family

Medical expenses possess touched the sky and so are still rising already. This has made health care insurance a necessity. Without comprehensive health insurance coverage it becomes exceedingly difficult for the average American to pay bills arising out of a sudden medical emergency or a long standing and complicated illness. A huge healthcare insurance industry has grown in the United States to address the above problem. Us citizens are in the advantageous position of being able to choose from a plethora of health insurance plans that have been designed to address their varying medical requirements along with budget limitations.

The flip side to this reality is that so many options make it very confusing for the layman to select the right insurance plan. This is where our website can provide invaluable help and insight. We work along with the best insurance providers in the country and bring you a host of personalized health plan options. We provide you with quotes on insurance policies that would help you select insurance plans, which serve your requirements while suiting your budget as well.

A sampling of issues on which will shed light for your benefit:

Affordable Family Health Insurance

Affordable Family Health Insurance policies are of the following types. These are:
Employment Based Insurance: Private Health Insurance is available for people who work in a company or belongs to a labor union and provided by the employer or the union leader.

Purchase of Direct Health Plans: You can buy them directly from a health insurance company. They have diverse levels of coverage and are provided for people with a low income range.

Government Health Insurance: They are low cost health insurance schemes and are known by various names. Under this insurance scheme you can have the low cost individual insurance and low cost child insurance.

Affordable Health Insurance

Affordable Health Insurance policies are low cost insurance plans, which are made for people with a budget constraint. Affordable health insurance has a good coverage and includes HMO, PPO and POS. Generally government health insurance and direct plans offer affordable health insurance.

Health Coverage

Health Coverage ensures that you have the power to combat the effects of any unforeseen accident or calamity. There are varieties of health coverage including PPO, HMO, Health Savings Accounts, and Indemnity plans.

Health Coverage Quotes

Health coverage quotes contains customized health insurance plans that covers all your essential health based requirements. Health coverage quotes are offered by Bluecross California, Health Net in America, and Kaiser Permanente.

Health Insurance Plans

Health Insurance Plans include Family Health Insurance Plans, Student Health Insurance Plans, Short Term Insurance Plans and Accident Insurance Plans.

Long Term Care Insurance

Long Term Care Insurance is meant for individuals who require long-term care, for example, people who are unable to perform the basic activities of daily living. Long-term care insurance covers assisted living, home care, adult daycare, respite care, hospital care, nursing home and Alzheimer's facilities.
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Monday, October 8, 2018

Personal Health Manager

Innovative online and telephone based health assessment tool helping you improve your health and get more out of life

Log on to Personal Health Manager
This online service, together with
telephone-based 24 hour GP and Stress Counselling Helplines, provides you and you family with personally tailored advice and information to improve your health and wellbeing.

Symptom Assessment
Confidential medical advice and information online at any time of the day or night
Build up a detailed history for you and your family
Linked to the GP Helpline enabling you to discuss any concerns with a doctor
Health Planner
Complete health and lifestyle assessment
Tailored action plan to help you reduce any health risks and maintain your wellbeing
Medical Information
Medical conditions sourced from Dorling Kindersley's Complete Family Health Guide
NHS waiting times for specific procedures and specialties
Pinpoint areas of stress and receive advice coping with these
Take that next step towards a healthier state of mind with mental health service provision
Health services available specifically for children in your local area
Talk to the Experts*
Access to fully qualified GPs for medical advice and information 24 hours a day
Find help and advice on combating stress with the 24 hour Stress Counselling Helpline
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Perhaps this is an unnecessary statement of the obvious, but the point of insurance is to give people a financial safety net. Should an emergency or disaster strike, money you would struggle to find is paid out by your insurance company. But the squeeze has been on for the last decade as medical costs and the prices of essential drugs have been rising fast. In fact, so fast that the insurers cannot pass on all the increases to their policyholders. It was hard to raise premium rates while the economy was doing well. It became impossible to raise premiums when the recession hit without there being investigations by each state’s Commissioners for Insurance and complaints from everyone else. There comes a point when the insurer cannot get any more blood from the stone and has to sacrifice profits. This has left the medical profession, the hospitals and clinics in a winning position, while the pharmaceutical industry’s profits have continued to rise despite the recession. At the other end of the spectrum, the patients are the losers. There are some who discover the small print in their policies denies cover for the very illnesses they have. There are others whose savings are not enough to pay the deductibles and co-payments. And then there are those whose policies are cancelled when they make a claim for a chronic disease or disorder.

There is a new piece of research from the Commonwealth Fund, an independent, non-profit body. In 2007, it carried out a detailed survey among 2,600 people aged between 19 and 64. When their coverage was analysed, 20% were found significantly underinsured. Why was this happening? Because they were already spending more than 10% of their income on health coverage, whether as premiums, deductibles or both. When the underinsured were added to the uninsured, this represented 42% of adult Americans. Like the uninsured, this forces the underinsured to think twice before they have treatment with more than half either refusing treatment or struggling with debt because of treatment.

In the push for healthcare reform, the focus has been on the uninsured. But this fails to recognize the injustice suffered by the underinsured. No one should be forced to choose between refusing needed treatment and potential bankruptcy. It is therefore going to be an interesting year in prospect as the reform slowly comes into force. Both the poor and the middle class need access to cheap health insurance with reasonably comprehensive coverage. This will further squeeze the insurance industry because it will be denied the right to refuse coverage to those with pre-existing conditions and will be forced to establish group health insurance for those who have struggled to find affordable plans. In all of this, the key to success will be the ability of government and the insurers to impose more control over costs. President Obama has negotiated with the pharmaceutical industry and there is some agreement to hold down prices for those in Medicare and Medicaid. The for-profit healthcare industry also sees some self-interest in moderating its price increases and has given undertakings to the Administration. If some of the pressure is removed from the insurance industry, premium rates will stabilize and the reforms should offer a more fair system to all with a health plan. We can only hope for the best while we wait and see what happens.
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