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When you look at today’s health care climate, things are looking pretty scary. Costs are at an all-time high and continue to rise, while health is at an all-time low and continues to decline. It is widely known that we are in a crisis and need to take action. We have taken action on the insurance side by creating the Affordable Care Act or ACA, which we refer to as Healthcare Reform.

These treatments will be paid for by standard private and group although sometimes “mental conditions” are paid at a lower percentage than physical conditions.

A POS plan offers the most freedom of the three. Like a PPO or HMO a POS plan has their network doctors. However, with a POS plan a person does not have to worry about if a doctor is in the network or not because the plan will cover all costs for doctors in or outside of the network. Only on occasion will a person have to pay a co-payment when using an outside doctor.

The art of massage dates way back, back to over 3000 years. It has been documented by the ancient Hindus, Persians and Egyptians. They all applied forms of massage for many ailments, including stress, headaches and joint pain. Hippocrates even wrote papers recommending the use of rubbing and friction for joint and circulatory problems.

What else did you spend money on. Shopping for fun? Drinking? Cinema, socializing etc? This is a great place for cutting your budget down to a size you can afford. Don’t cut it out completely, just look at what you are spending and reduce it by allowing yourself a budget for it. If you were spending $200 a month on clothes shopping limit yourself to $100, if you like to go out for drinks then do so, but cut back on either the number of drinks or the frequency of times you do. Allow yourself fun but never go over a set amount.

Open up your own checking and savings accounts. While you do not need to put a lot of money in there at first, you should try to find ways to secretly put more money into them.

You do not need to be discouraged by not having health insurance. Keep yourself healthy with regular checkups. Once you realize there is care for you out there you don’t have to worry about getting sick.

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