Preferred Provider Organization PPO

With a PPO, you may have:
  • A moderate amount of freedom to choose your health care providers — more than an HMO
  • Higher out-of-pocket costs than an HMO
  • More paperwork than other plans if you see out-of-network providers
  • The ability to manage your own health care
What doctors you can see. Any in the PPO’s network. You can see out-of-network doctors, but you’ll pay more.

What you pay.

  • Premium — Your monthly payments are based on the negotiated rates PPOs have with their network providers.
  • Deductible — Some PPOs may have a deductible. You may have to pay a higher deductible if you see an out-of-network doctor.
  • Copay or coinsurance — A copay is a flat fee, such as $15, you pay when you get care. Coinsurance is when you pay a percent of the charges for care, such as 30%.
  • Other costs — If your doctor charges more than others in the area do, you may have to pay the balance after your insurance pays its share.
  • Paperwork involved. There’s little to no paperwork with a PPO if you see an in-network doctor. If you use an out-of-network provider, you’ll have to pay the provider. Then you have to file a claim to get the PPO plan to pay you back.
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Best anti virus and anti spyware 2014

  • Best Anti-Virus For Android

    “Antivirus For Android..antivirus…‎Google PlayFree, top-rated, real-time antivirus and anti-theft protection for Android™ devices. protects you from harmful viruses, malwar… and also provides loss and theft protection through the ability to track and control your … Tablets not only keeps your tablet and private data safe from viruses and malware, it optimizes its performance and also …Antivirus & […]More
  • Anti spyware and Anti virus | Spyware Detector

    “Remove Malware  Spyware …Manage scans, threat detection, and notifications from a single user interface. … Designed not to conflict with your existing anti-spyware or anti-virus solution! for Windows, Mac, and Mobile. Get free antivirus protection now! ‎Support – ‎Mobile – ‎Company Profile  Antispyware Download.  PC Protection against virus, spyware, malware, worms, trojans, …Webroot: Antispyware, Antivirus, Endpoint Protection & […]
  • Best Anti Virus 2014

    ” Corporation AntiVirus Corporate Edition provides automated defense and response against the latest viruses, spyware, and adware, combining enterprise …Learn about the fastest, most powerful endpoint antivirus software for virtual and … Endpoint Security Performance Benchmarks, PassMark Software, …. Modern corporate networks are complex systems that typically consist of terminal servers, server …for Windows Server […]

how to properly wash microfiber towels

  • how to properly wash microfiber towels

    Microfiber fabric we use for various purposes, and it very helpful to us. Microfiber cloth can be easily damaged if we do not take care of him. Here’s how to wash microfiber cloth without damaging the lining
    wash microfiber towels
    How to properly wash microfiber cloth, soak it in warm, soapy water. For hand washing microfiber towels, The warm water serves to open the fibers and release the grime that may have gathered. Scrub the cloth lightly while soaking it
    After soaking,avoid squeezing out any excess water, let the cloth out to air dry. If you’re in a hurry you may blow dry it. that’s how to clean microfiber towels
    Hopefully these tips useful for you: D

Blog dofollow auto approve 2014

Link building merupakan hal yang sangat penting dalam membaungun populeritas sebuah blog maupun website. Tanpa backlink dari web lain akan menyebabkan web/blog kita menjadi kurang popular di search engine dan tentu saja akan sangat berpengaruh ke pada jumlah pengunjung ke blog kita.

Banyak cara untuk membangun link bulding diantaranya dengan cara membuat dummy blog maupun dengan membuat komentar dengan menyisipkan link blog kita dangan harapan kita mendapatkan backlink. menurut saya menyisipkan link di komentar cukup peraktis untuk membangun sebuah backlink karna selain praktis, kita juga ga perlu repot2 merawat nya.. Tapi tentu saja blog yg memiliki kebijakan dofollow

Nah ni saya punya blognya...silakan komen sepuasnya ..soalanya auto approve , dah gtu Dofollow lagi.
Lumayan kan hehe...tukeran blognya kalo ada yah.

ni blog saya :

Healthy dieting tips to lose weight

We are knows the keys to losing weight: Eat less and exercise more. Sounds simple enough, but in the context of real life and its demands, it can be anything but simple. So how do successful losers do it?
If you have failed diet plans to lose weight before, you may be convinced that diets don’t work for you. You’re probably right: traditional diets don’t work at least not in the long term. But there are plenty of small but powerful manners to avoid common dieting pitfalls, achieve lasting weight loss success, and develop a healthier correlation with food.
1. Drinking Water Is necessary for Weight Loss
Why Drinking Water Is necessary for Weight Loss?
  • Initial weight loss is largely due to loss of water, and you need to drink an adequate quantity of water in order to avoid dehydration.
  • The process of burning calories requires an plenty supply of water in order to function efficiently.
  • Burning calories creates toxins , and water plays a vital role in Detox diets for weight loss.
  • Dehydration causes a reduction in blood volume causes a reduction in the supply of oxygen to your muscles and it can cause you feel tired.
If you don’t like plain water, try adding citrus or a splash of juice, or brew infused teas like mango or peach, which have lots of flavor but no calories.
2. Too much eating without thinking can make failed your weight management goals.
Sometimes we don’t even be aware when it’s happening. maybe when you’re feeling languid in the afternoon, we have all eaten something when we weren’t truly hungry. Too much eating without thinking can really harm your weight management goals. And depending on what you eat, hurt your health, too. Keeping your portions proper will help you get more in touch with your feelings of hunger and fullness.
3. Eat your fruits and vegetables.
Getting the recommended Detox diet recipes for weight loss. “Eat your fruits and vegetables” is one of the tried and true recommendations for a healthy diet. And for nice reason. Eating many of vegetables and fruits can help you prevent off heart disease and stroke, control blood pressure, harm some types of cancer, avoid a painful intestinal ailment called diverticulitis, and keep against cataract and macular degeneration, two common causes of vision loss.
4. your daily calorie allowance.
(healthy daily calorie intake for weight more?). How many calories are needed each day can vary greatly depending on lifestyle and other factors. Factors that affect your personal daily calorie needs include your age, height and weight, your basic level of daily activity, and your body composition. You can discover the daily calorie needed recommended for you free, using the tools in WLR. Simply tap in your details and the programme will work out how many calories you need.
When choosing a snack, try to hit the nutritional targets below:
  • About 200 calories: This is plenty to maintain your metabolism humming, says Bethany Thayer, a registered dietitian in Detroit.
  • At least 3 grams of fiber: Fiber is digested slowly and helps preserve your energy. It also absorbs water and expands in your stomach to keep you full.
  • At least 5 grams of protein: “Protein releases a hormone in the body that escalate satiety,” says Elisa Zied, a registered dietitian in New York City.
  • No more than 12 grams of fat: This will help ensure that you don’t receive more than 20 to 35 percent of your daily calories from fat, which is the U.S. Department of Agriculture’s recommendation.
Try to always read food labels can help you choose healthier options, and keep a check on the amount of calories, fat, salt and sugars you eat. Use the calorie information to find out how a particular food fits into your daily calorie allowance on the weight loss plan. Find out more about reading food labels
5. Think lifestyle change
Involving more than 120,000 people over a 20-year period. The researchers looked at three separate studies to see how their lifestyle affected their weight change over every four years. Researchers identified the amount of weight gained based on the specific type of food the participants said they ate regularly.
Think lifestyle change, not short-range diet. Permanent weight loss is not something that a quick fix diet can get. Instead, think about weight loss as a permanent lifestyle change a commitment to your health for life. Various popular diets can help jump start your weight loss, but permanent changes in your lifestyle and food choices are what will work in the long run.
6. Essential Nutrients and Their Functions
Some people skip breakfast as they think it will help them loose weight but missing meals doesn’t help us lose weight and isn’t good for us because we can miss out on Essential Nutrients and Their Functions for your body health and Research shows that eating breakfast helps you control your weight. Because can prevent us to snack more throughout the day because you feel full.
7. avoid stocking junk food
Stock up on healthy snacks, such as fruit, unsalted rice cakes, oat cakes, unsalted or unsweetened popcorn and fruit juice to avoid temptation stocking junk food, like chocolate, biscuits, crisps and sweet fizzy drinks, at home.

Choose The Perfect Backpack For Traveling

Choose The Perfect Backpack For Traveling


Picking the right backpack is an important part of any trip. Too big, and have too much extra weight. Too small, and you will never fit anything in. Pick the wrong material, and when it rains, your stuff will be soaked. There are so many options out there that it can be very confusing.
As someone who has backpacked numerous countries, I often have people ask me what to look for in a backpack. The pack you choose will have a big impact on the comfort and success of your trip. To help you make the right choice, use this guide on how to choose the perfect backpack for traveling.
I spent a good hour picking out my first pack, and that was also after hours of online research and that research has paid off. My backpack has lasted me 8 years so far and is still looks and works just as good as it did the day I bought it. I have no plans to switch anytime soon.

Choose The Perfect Backpack For Traveling :

  • The right pack should complement your torso length and sit snugly on your hips. Instead of measuring the length of your entire body, focus on the area from your shoulders to your hipbones. Likewise, you’ll need to choose the appropriate capacity of the bag. While REI suggests choosing a pack that’s 80 liters or more for an extended trip, I don’t think this is necessary unless you’ll be hiking and camping for two weeks or longer.
  • If your backpack is uncomfortable, you’ll have a difficult time enjoying yourself. I’d recommend going to a passionate outfitter, like REI, where knowledgeable staff can help you choose the perfect pack. It’s a good idea before purchasing to walk around with rocks in the backpack to test it out. And, if the more expensive pack feels more comfortable, buy it.
  • Top loading can be a hassle. Every time you need to get something that’s not on the top of the bag, you’ll need to unload your belongings until you find it. However, the inside usually features a waterproof liner, which isn’t usually the case with panel loading bags. Likewise, panel loading tends to add weight to the pack, and the zippers are more likely to break off. If you can’t make a decision, one good backpack to consider is the REI Mars Pack, which offers top loading and a zippered front panel opening, giving you the best of both worlds.
  • The padded hip belt helps to distribute the weight in your pack more evenly, while also giving you more support. Likewise, padded shoulder straps allow for less pressure on your shoulders and lower back.
  • Having a backpack with numerous compartments can help you keep related items together within easy reach. For example, I use a Gelert Wilderness 55, which allows me to separate my toiletries, tank tops, undergarments, socks, medications and thin shirts in the bag’s extra pouches. Because of this, I never have to unload my backpack to get to these items.
  • Make sure the backpack you choose has a contoured back. Not only is this more comfortable, as it fits with your natural arch, it also creates a space to allow for air to flow through.
  • There are two types of frames when it comes to backpacks, an internal frame and an external frame. In my opinion, internal frames are a lot more logical. Not only do they help to effectively place your weight on your hips, they tend to have a slimmer shape for easier maneuverability.
  • Each backpack is unique in its own way due to the extra features you’ll be able to get. Some of these include secret compartments, camel backs, compression straps, adjustable torsos, sleeping bag storage, bite valve shut-off switches and much more. Think about what exactly you want your backpack to be capable of doing – for example, keeping you really organized or keeping your luggage dry – and then go from there.

Best Travel tips to have the best trip ever

Health Savings Accounts Help You Save Money

Health Savings Accounts Help You Save Money

If you have a high-deductible health plan (HDHP), you might also want to have a health savings account (HSA). This is an investment account that grows tax-free over the years. You put money in the account before you have to pay any taxes on it, so you save money. You don’t pay a tax when you spend it either, as long as you spend it on qualified health expenses — health care or products on an IRS-approved list.
HSAs must be paired with an HDHP, which means you must pay a large amount of your health care costs before your insurance pays anything.

What You Can Use the Savings For

You can use the money deposited in a health savings account for:
  • Co-pays
  • Deductibles
  • Hospital costs
  • Prescription drugs
You can also put aside money for dental work or vision care expenses.
Some plans allow you to use it for over-the-counter medicines if your doctor writes a prescription for them.
Requirements: You can only get an HSA if you’re enrolled in an HDHP. The plan must have at least a deductible of $1,250 a year for one person and $2,500 for a family.
Amount you can save a year: In 2013, you can put up to $3,250 if you’re single in your HSA. If you have insurance for your family, you can put in up to $6,450 for a family. If you’re over 55, you can put in $1,000 more. Your employer can contribute to an HSA account for you. However, your combined contributions can’t exceed the maximum amount allowed in a given year.
Benefits: You don’t have to spend the money you deposit into an HSA the same year it was deposited. It carries over from year to year, and the money grows tax-free.
Like a 401K account, you can take your HSA with you if you change jobs.
You can have an HSA and a dependent care flexible spending account (FSA). But you can’t put money in an HSA if you use your FSA account to pay for medical expenses.
Warnings: You need to report your HSA on your federal tax return. However, you can claim the money you’ve deposited into the account as a tax deduction and subtract it from your gross income. If you use it for anything except medical expenses, you will have to pay tax on it plus a 20% penalty.
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