Your Health Insurance Should Also Cover These 5 Areas

Not all citizens in the world experience free healthcare services. While those living in Canada do enjoy that benefit, majority of the global population need to pay a lot of money to receive medical attention.

If you work in an office or if you’ve paid for your own health insurance, chances are you only have to worry about monthly payments and not the big, one-time costs of a medical procedure or executive checkup. However, do you know your existing health insurance coverage? While most health insurance providers cover basic medical procedures, it pays to have an insurance that also takes care of your other health needs.

Here are five health or medical areas that your insurance should also cover.

Preventive Checks

A vaccine for hepatitis, human papillomavirus, or even rabies can be costly and heavy for your budget. Health insurance coverage should include vaccinations and other preventive checks for your urine, blood sugar levels, and cholesterol levels. Yearly preventive checks allow patients like you to detect diseases early on and thus prevent further complications from happening. Since medical professionals advocate that prevention is better than cure, go ahead and ask for the same principle form your health insurance providers.

Pregnancy

Being pregnant is different from being ill, but it also involves major healthcare costs for you. You can understand some healthcare providers who exclude pregnancy from coverage areas, but if your insurance does cover pregnancies, consider yourself lucky. Your medical insurance should cover those regular visits to the OB gynecologist for ultrasound and general consultation, after all.

Dental Procedures

A good health insurance should also cover routine dental procedures like prophylaxis, fluoride washes, and maybe even tooth extractions. However, advanced procedures like dental implants and impacted tooth extractions may be excluded. When getting a medical insurance, make sure to ask about your dental health needs with the consultants. After all, you only get one set of adult teeth in your lifetime, so do everything you can to protect those pearly whites.

Physical Therapy

If you live an active and adventurous life, chances are you have visited a physical therapist at least once in your life. Most medical insurance providers do ask about lifestyle for clients, though, so your skydiving trips can be a risk for them. If you’re an athlete, your healthcare provider should cover your visits for physical therapy. Your minor and major injuries should be covered as well.

Psychological Health

Mental health is as important as your physiological health, maybe even more so because your mind runs everything that’s happening to your body. Not all health insurance products cover visits to a psychiatrist or even marriage counselors, though, so go ahead and ask the consultant about this detail if you believe that it should also be taken care of.

Protect your overall health and ask about these details when applying for a health insurance. It pays to be prepared after all.

5 Lucrative Fields for College Graduates Who Want Financial Stability

Are you a current college student who considers changing a major? If you have a passion for things outside of your current college course, perhaps it’s time to consider shifting to these fields now. After all, why waste time learning about things that you will only forget after a few years. There are physics majors who now work in the marketing industry, and there are also biochemists who want to make furniture for a living.

In any case, it helps to know which industry generates the most lucrative income for its practitioners. As they say, money can’t buy happiness but it is more comfortable to cry in a convertible sports car than in a bicycle, especially if it’s raining outside.

Here are five careers that you can work in if you want financial stability.

Engineering

Engineers of various specializations enjoy some of the biggest salaries worldwide. Engineers in the fields of oil production, nuclear energy, aerospace, and biomedicine handle life-changing and essential output after all. If these seem too specialized for you, you can also work on civil, mechanical, industrial, or electronics and communication engineering disciplines. Even fresh graduates who work on these fields enjoy a better salary than, say, an office worker who has been working on the same thing for five years.

Medicine

It’s no wonder that most parents dream of having a doctor, nurse, or dentist for a child. After all, it’s expensive to get healthcare services these days, which means that medical researchers, practitioners, and service providers also enjoy a stable income. Even medical transcriptionists enjoy a bigger salary than most people.

Information Technology

IT professionals are a shoo-in for people who earn considerable compensation and benefits especially in the strengthening presence of the internet as a business tool. Data is king, after all, and these system administrators protect and manage sensitive information. Freelance software and app developers also sell products that can be worth millions if sold to the right people and marketed to the right group of consumers.

Business and Economy

Economists run the world, and business practitioners run along as well. They understand finance, foreign exchange, and the stock market, making them gods in terms of marketing, sales, and manufacturing. If you understand the economy, you handle money well and even advise the government on how to best benefit from any money situation.

Law

Studying law can be considered hell, but you’ll be in heaven once you’ve began to establish your own career. This involves hours and hours of reading in school and in practice, so it suits people who love to read and investigate and formulate a working strategy for winning cases. If this sounds like a career for you, go ahead and study law now.

Of course, getting certified and actually starting to practice in these disciplines involve years of hard work. Still, it pays to know which career path to choose especially if you want to live a comfortable life when you retire.

4 Transport Services that Can Work for You

Movement is the key in today’s rapidly changing world. With technological advancements in travel, communication, and business, it’s not surprising to see how millions of people commute and drive to work daily. People move from one place to another to interact with others, experience new things, and maybe even to change addresses. Regardless of reason, people have constantly been moving since the ancient civilizations have invented the wheels, and people are moving more in the modern times.

Here are four transport services that can work for common people like us.

Valet Services

Have you ever gone on a date with your wife in one of the posh hotels in town? Did you notice that the other guests hand over the keys of their precious vehicle to a hotel attendant and do away with the worries of finding a space for parking? You can also enjoy that experience through your hotel’s valet service. These trusted valet attendants know how to handle most vehicles, including your sedan, SUV, or sports car. Once your date is done, you can ask from them to pick you and your wife out front, hand the keys back to you, and let you drive your own date back home granted that you’re sober.

Limousine Service

While going on a date with the wife is a special event, some even more special events like your wedding anniversary, your only daughter’s prom, or a valued business partner’s arrival at the airport calls for exceptional transport services. Most cities worldwide have limousine service providers for such needs. It’s expensive, yes, but impressions do last and you need money to make money, as most wise people say. Invest in a one-time limousine service and give your wife, daughter, or trusted business partner some special treatment.

Rent-a-Car

Are you a businessman who is out on a week-long trip in one of your office’s locations in Europe? While your company has probably provided a car for your hotel-to-office trips, what if you decide to explore the countryside on your own? You can check out the local town or city’s rent-a-car business for this weekend trip. Instead of limiting your experience to the established bus routes or hiring an expensive taxi, rent your own vehicle and drive at your own leisure and pace in the small towns of Italy or France. You can stop by in any store or restaurant you see on the road and experience the best joyride of your life abroad.

Office Shuttle

While an office shuttle service may not be for individuals, it does address the transport needs of your employees. Transportation may be challenging especially if majority of your staff do not own a car, and giving them a company-backed transport option can be a great working benefit. Ask your employees about their opinion and suggestions and hire an office transport provider that can benefit you and your business.