What Are the Basic Things in a Good Health Insurance?

We really ought to think of health insurance as sickness insurance to help protect our loved ones from financial crisis. Insuring our health is our job, and we do pretty well on that score. We're more health conscious and generally in better physical condition than our parents were, but we live in a far different world. A hospital stay can easily cost hundreds of thousands of dollars. A single chemo treatment could cost you over $20,000. Health costs are insane! Nobody can withstand that kind of financial impact and obviously this type of budget could really crush us.

You might be forced to accept a health insurance policy with a higher deductible simply to be able to afford the premiums. What you can't afford to accept is health insurance that excludes or puts a low cap on serious illness. The alternative, losing all you've worked for your entire life, is unthinkable.

What can you do when health care costs are spiraling out of control and health insurance premiums have become all but unaffordable? If you expect your health insurance to cover all or most out of pocket expenses, your premium will be out of sight. Better to bite the bullet and pay the higher co-pay for a doctor visit or a lab test, especially if you are healthy and rarely use your insurance

That's a very famous quote from Dr. David Himmelstein, the lead author of a Harvard University study carried out jointly by researchers at Harvard Law School and Harvard Medical school that found the leading cause of personal bankruptcies in the U.S. are medical bills. Even people who had private insurance were faced with medical bills from a serious illness in excess of thirteen thousand dollars. And they thought they were insured!. It was much worse for cancer patients. Their uncovered bills averaged nearly thirty six thousand dollars. These are sobering, frightening statistics.

Let's suppose, If you or one of your loved ones is suddenly stricken with a major illness or you were seriously injured, the last thing you need is a mountain of debt that can wipe you out financially. When I was shopping for health insurance coverage recently, my agent told me something I should have known all along. He said that you buy health insurance to protect your assets. He's right of course. I just never thought of it that way. Have you?

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Skin care tips

Runescape Quest Walk Through

Runescape is most popular online computer game ever made. Runescape is a mmorpg (massive multiplayer online role-playing game) which is the same genre as games such as Warcraft and Ultima Online. Runescape has more than 197,000 members, which is a constantly growing figure. The amount of people that populate the game is more than the country of Liechtenstein! The game also holds the record for the number of online players simultaneously engaging in the same activity. The game is known for the way it constantly evolves and expands. There are loads of things you can do in Runescape from fighting with opponents and monsters to engaging in one of many jobs. The possibilities are endless and the world in which it is set is massive, making Runescape never boring!

The Runescape economy is much like the real world; unlike other Mmorpgs the game has more than one currency. One difference to the world is the fact that the development of your characters many skills is encouraged along side the accumulation of your wealth making the gaming experience much richer. There is inflation in Runescape much like there is in the real world, this and the economy in general is controlled by various means. Potatoes and Wheat make up the base of the economy, along with logs, coal, ore and fish. You can also collect raw meat by killing monsters. The next tier of the economy is made up of new items that are made up of the raw items. (Keeping up?!) These include metal bars, cooked foods, tanned hides, gems and runes. The third tier of the economy is made up of extremely rare items and other items made from things in the first two tiers. How rare the items are and/or the skill level of the player that crafted them determines the value of items in the game.

The weapons in Runescape are varied and exciting and can be bought, found or crafted. Again the more rare the weapon or the more skill it took to craft will determine the price of the weapon, which can be sold to other players.

Runescape is one of the most exciting and varied games you will ever play. Even if you are complete newbie to the world of online gaming the learning curve is perfect. Check it out today, you wont regret it!

For more runescape guides, walkthroughs and information go to http://www.squidoo.com/runescape-quest-walk-through

Free Online Games at GamingBooth

Gaming Booth is a great free online games arcade that offers over 5,000 games. My favorite game is Onslaught 2. Check out the site and see which game is your favorite.