HIV Foundation Health Who Needs Health Savings Accounts And Health Reimbursement Arrangements?

Who Needs Health Savings Accounts And Health Reimbursement Arrangements?

Employers аnd thе self-employed аrе using twо main strategies tо kеер thе cost оf health insurance lоw аnd tо reduce thеіr taxes. Known аѕ аn HSA, a Health Savings Account саn make mоѕt health care expenses tax deductible, аnd provide tax-deferred earnings. Individuals аnd business owners саn start аn HSA оnсе thеу purchase a health plan that’s certified tо bе HSA compatible. Thеѕе plans аrе available іn thе individual market fоr muсh lower premiums thаn plans іn thе group coverage market.

Cаn Health Savings Accounts Bе Combined Wіth A HRA?

Employers аnd people whо аrе self-employed іf thе spouse works іn thе business mау add a Health Reimbursement Arrangement tо substantially increase thе tax savings available wіth аn HSA аlоnе.

Tо рut іt simply, a Health Reimbursement Arrangement (HRA) іѕ аn employer-funded medical reimbursement plan fоr employees. Sоmеоnе whо іѕ self-employed саnnоt hаvе аn HRA іn hіѕ оr hеr nаmе, but саn reimburse thе spouse, whо works іn thе business аѕ a W-2 employee, thrоugh аn HRA. All оf thе family’s qualified health care аnd insurance expenses саn bе reimbursed, аnd thаt includes thе expenses оf thе self-employed business owner bу virtue оf bеіng a member оf thе HRA-covered family.

Thе big rush tо gеt HRAs іn place bу Dec. 31 resulted bесаuѕе thе cost оf health insurance premiums соuld thеn bе reimbursed fоr thе whоlе year bасk tо January 2011. Reimbursement fоr оthеr kinds оf health care іѕ nоt retroactive, thоugh. Thоѕе whо start a HRA іn January 2012 саn reimburse thеіr employees fоr health care, including premiums.

Sіnсе group coverage hаѕ bесоmе аn expensive option fоr bоth employers аnd employees, HRAs present a lеѕѕ expensive choice thаt саn help bоth parties save оn health care costs. Compared tо group plan rates, policies іn thе individual market саn save employers uр tо 50 percent. Certain оf thеѕе plans, known аѕ Health Savings Accounts, Thіѕ makes іf feasible fоr mоrе employers tо provide health care coverage tо mоrе employees. Bу setting uр a HRA, employers саn legitimately reimburse thеіr employees fоr individual health insurance premiums аnd оthеr health care costs.

Hоw Dо Health Reimbursement Arrangements Work?

On a regular basis, аn employer contributes a pre-determined аmоunt tо аn account оn аn employee’s behalf. Thе employee саn submit a reimbursement request fоr qualified medical expenses, аnd ѕuсh reimbursements аrе nоt taxed.

What’s Required Tо Start A HRA?

Thе primary requirement іѕ thаt thе plan muѕt bе funded solely bу thе employer. It саnnоt bе funded bу salary reduction. In addition, thе plan mау оnlу provide benefits fоr substantiated medical expenses.

HRAs mау bе designed іn mаnу fashions tо suit thе specific needs оf employer аnd employees alike. It іѕ оnе оf thе mоѕt flexible types оf employee benefits plans, making іt vеrу attractive tо mоѕt employers.

Hоw Dо Employers Benefit Frоm A HRA?

HRAs аrе mоѕt commonly offered іn conjunction wіth a high-deductible health plan. Aѕ a rule, thеѕе plans kеер premium costs lоw, ѕо employers саn uѕе thе savings tо fund thе HRA. All employer HRA contributions аrе tax deductible fоr thе employer, аnd tax-free fоr thе employee.

Employers mау establish whеn HRA funds mау bе used. Thіѕ саn range frоm comprehensively covering аll health care tо a limited plan fоr emergency room expenses оnlу. Bесаuѕе thеу аrе ѕо flexible, HRA plans enable employers tо control costs оf providing healthcare benefits whіlе providing a valuable employee benefit.

Wіth аn HRA, employee healthcare expenditures аrе visible аnd clear tо employer аnd employee alike, thеrеbу fostering a greater understanding оf thе costs оf health care. In addition, employees whо саn monitor аnd control thеіr health care costs bесоmе smarter health care consumers.

Studies ѕhоw thаt оnlу 20 tо 50 percent оf employees actually uѕе thеіr health care coverage, meaning employers оftеn pay health insurance premiums fоr employees whо аrе nоt utilizing thе coverage. A HRA allows employers tо determine thе best type оf coverage fоr thеіr employees based оn thе demographics оf thеіr employee group.

HRA plans mау аlѕо cover retired employees (and thеіr spouses аnd tax dependents). Employers mау wish tо consider a HRA аѕ аn alternative tо mоrе expensive traditional retiree health care options.

Employee benefits, like a HRA, enable employers tо recruit аnd retain quality employees. Wіth a HRA іn place, thе employer іѕ perceived іn a positive light bу current аnd prospective employees bесаuѕе a benefits package іѕ bеіng provided wіth thеіr іntеrеѕt іn mind.

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Diet and Exercise For Weight Loss – What You Should Know About These ProgramsDiet and Exercise For Weight Loss – What You Should Know About These Programs

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Start with what you already enjoy doing. If you are a fan of the television, do not stop watching after you have lost some weight. You will be bored if you do not have the activities that you enjoyed doing. Take up a new sport to keep yourself motivated. If you are already involved in an exercise routine such as dance, sign up for a sport that you can see yourself participating in all time soon. Starting a new sport will give you something to look forward to each day.Weight loss diet plan: Lose weight without exercising by eating these foods | Express.co.uk

Diet and exercise for weight loss will involve watching what you eat and when you eat it. Eat at times when you are not stressed out and when you are feeling hungry. Stress can bring on cravings, so it is important that you eat smaller meals throughout the day than usual. Eating smaller meals lessens the amount of food you have to eliminate so that you do not have to starve yourself to lose weight.

Develop a diet and exercise routine that works best for your lifestyle and time frame. If you need a fast solution to your weight problems then you might want to go for a crash diet or a cleansing diet. These are quick solutions that are not long term. Choose one that will allow you to see results quickly.

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Tomatoes, cucumbers, pumpkins: medical professionals are sure that vegetables make us sickTomatoes, cucumbers, pumpkins: medical professionals are sure that vegetables make us sick

Grains and vegetables protect themselves against predators and diseases with special substances. They are unsuitable for human digestion and make us sick, says a US nutritionist. Is he right?

According to popular belief, those who eat vegetables, fruit and whole grain products every day have a particularly healthy diet – and thus possibly make a dangerous mistake, get fat and sick. The American cardiologist and nutritionist Steven R. Gundry is convinced of this, as he explains in his bestseller “The Plant Paradox”, which has also been available as a German version since this year (Steven R. Gundry: “Bad vegetables. How healthy Food makes us sick ”, Beltz).

Vegetable plants use lectins for defense

Lectins are said to be responsible for the harmful effects of supposedly healthy foods. These are certain proteins that plants have developed for defense so that they are spared from fungi, bacteria and parasites. In fact, lectins act similarly to antibiotics and can be toxic, especially when raw.

The substances can harm people

Lectins make green potatoes and raw beans inedible . The best-known lectin is gluten, avoided by many because it can lead to bowel inflammation and celiac disease . Gluten, known as adhesive protein, illustrates the negative properties of lectins particularly impressively: These proteins are extremely easy to bond, stick to cells and tissues, preferably in the intestine. The mucous membrane cells change, the intestinal wall becomes permeable for pollutants, which in turn can make the entire organism sick.

Sick from lectins – from Alzheimer’s to rheumatism

But not only celiac disease is caused by the harmful effects of lectins. The proteins bind to red blood cells, thicken the blood and thus promote arteriosclerosis and cardiovascular diseases. Steven Gundry also explains many other diseases of civilization with the negative effects of lectins.

Because they can actually dock on all tissues, such as the pancreas, joints, bronchi, nerves, brain, and the immune system attacks them there as intruders, autoimmune diseases would develop: diabetes , arthritis and rheumatism, asthma , Parkinson’s and Alzheimer’s .

These foods are high in lectins

The doctor therefore promotes a diet that is as free from lectins as possible (LFE, lectin-free diet). The negative list of foods rich in lectin includes the following products:

  • loaf
  • Potatoes and potato products
  • rice
  • pasta
  • Beans and legumes
  • soy
  • tomatoes
  • Cucumbers
  • pumpkin
  • Grain
  • Vegetable oils
  • sugar

Steven Gundry also largely avoids fish and meat, or at least restricts consumption – because breeding animals are mainly fed with corn and soy. Both types of food naturally contain lectins. If they are genetically modified, however, they provide even more of it to protect the plants from pests even better. With the feed they get into the animal and thus into the meat that is put on the plate.

How to eat a lectin-free diet

The negative list is long, but there are also a number of foods that contain little or no lectins. The positive list of desirable foods suggests, among other things:

  • Coconut oil
  • Coconut milk
  • Hazelnuts
  • Walnuts
  • Sweet chestnuts
  • Olives
  • Tigernut flour, chestnut flour
  • Dark chocolate
  • cream cheese
  • Goat cheese
  • butter
  • cream
  • Crustaceans, fish (rare)
  • certain types of fruit in small quantities (apples, pears, blueberries, raspberries, kiwi, plums, peaches, citrus fruits)
  • Cabbage vegetables of all kinds
  • artichokes
  • garlic
  • Onions
  • Meat (no more than 125 gr per day)
  • Eggs
  • Sweeteners such as erythritol, stevia, xylitol
  • 1 glass of red wine per day

Of course, all products should come from organic cultivation or rearing if possible, i.e. have the best organic quality.

Lectin-free diet – new fad diet or serious prevention and therapy?

At first glance, the impression arises: after fructose, gluten and carbohydrates, lectins are now supposed to be the bad nutrients that lead to obesity and make you sick. But the impression is deceptive. Steven Gundry’s observations should probably be taken seriously. There is some evidence for his theses:

  • It has long been known that lectins are unfavorable and are therefore even referred to as ” anti-nutrients ” in nutritional science . But this fact has had little impact on nutrition plans and diets until now.
  • Initial studies show that lectins can be linked to rheumatism and Parkinson’s disease .

However, there is (still) a lack of larger studies on the extent to which lectins can promote obesity and illness. However, in a self-experiment, Steven Gundry lost 35 kilograms within a year and at the same time lowered his high blood pressure , and the arthritis had also disappeared.

The doctor treated around 1,000 patients on the basis of these positive experiences with the LFE. He observed 200 of them as part of a study . For six months, the patients who all had cardiovascular diseases such as coronary artery disease ate according to this diet. After completing the examination, her heart function and blood values ​​had improved significantly.

Conclusion: It should definitely not be a fashion diet. However, LFE cannot be easily integrated into everyday life, the usual nutrition plan has to be fundamentally redesigned. But to make this as uncomplicated as possible, the doctor gives many tips and simple to fine recipes in his new guide on “bad vegetables”.

7 Day Plan: What to Eat to Cleanse Your Colon7 Day Plan: What to Eat to Cleanse Your Colon

The intestine can recover in just one week, complaints such as flatulence and sluggishness of stools disappear, the intestinal flora regenerates – and the immune system increases significantly. Everything about the wellness regimen for the intestines, with simple recipes for every day and extra tips for a healthy digestion.

The intestine affects our health much more than was known a few years ago. The intestinal mucous membrane with its special flora made up of billions of microorganisms has a decisive influence on how well our defenses are set up, whether there is a risk of chronic inflammation, acne, autoimmune diseases or obesity.

But even if these connections have now been proven, the way we deal with the most important factor influencing intestinal health has hardly changed: diet.

We know how important the intestines are, but we still don’t pay attention to them

Most of us still eat too much meat and sausage, sugar and fat, fast food and ready meals, plus the “intestinal enemies” smoking and alcohol .

  • The direct consequences: The intestinal flora is out of balance, flatulence , constipation and obesity result.
  • The indirect ones: there is a risk of immunodeficiency, skin problems, inflammation and, last but not least, an increased risk of cancer, at least for colon cancer.

Particularly harmful: Leftovers lie in the intestines for days

Especially when food remains in the intestine for a long time, it is harmful to health. In the process, animal protein (from meat and sausage residues) in particular forms toxins that can cause damage not only in the intestines, but also in the whole body.

The medical term is intestinal auto-intoxication. Typical toxins that arise in the intestine: including neurin, putrescin, indican and cadaverine, the dead body poison.

Cleanse the bowel, but do not drain it aggressively

A mild intestinal regeneration cure with the right diet, so that the intestinal flora can recover naturally, is therefore recommended, as a kind of wellness for the intestine , so to speak . A week can go a long way. In principle, there are only two things to keep in mind:

1. At the beginning there is colon cleansing. It often takes several days for the residues to pass after a meal. This can be supported with healing earth and flea seeds. These natural measures have a gentle laxative effect and are usually better tolerated than strong laxatives such as Glauber’s salt.

The mild cleansing is complemented by light fasting. Both measures work together like a “reset” of the bowel, driving it back to zero, so to speak. This can be rebuilt with the right, this time intestinal healthy diet.

2. This diet should contain probiotics (including lactic acid bacteria) because they can help the intestinal flora to repopulate with beneficial intestinal bacteria. In addition, fiber-rich fresh food is part of it. Because dietary fibers act like prebiotics, so they serve as food for the “good” intestinal bacteria.

In contrast, you should avoid red meat, sausage, high-fat dairy products, sugar, alcohol and coffee (and preferably not only) during the intestinal diet. Of course, it is important that you drink a lot during the bowel treatment. Only then will the fiber swell up well and be able to absorb, bind and transport a lot of pollutants out of the body.

Make rice water yourself

You can support these measures with rice water, the insider tip for a healthy bowel. The slightly milky brew contains dissolved fiber, mucilage, minerals and, above all, B vitamins. This combination cares for the intestinal mucosa and supports its healthy structure.

Make rice water yourself and drink a glass every day:

  • ½ cup of organic rice
  • 1 liter of water

Bring the water to the boil, pour in the rice, simmer for a good 20 minutes until it is almost boiled over. Strain, catching the water. The rice water can be stored in the refrigerator for up to three days.

Recipes for seven days of intestinal treatment

The bowel cure is suitable for all adults, except pregnant and breastfeeding women. Anyone who has chronic illnesses and / or has to take medication regularly should consult their doctor before beginning. And off you go:

1st day of the intestinal diet

In the morning : Drink a glass of lukewarm water with a level teaspoon full of healing earth on an empty stomach. This recommendation applies to the entire course. Healing earth attracts the toxins, so to speak, binds them and transports them out of the body.

Porridge – briefly toast a good handful of oat flakes in the pan without fat, add a little water and, if you want, a pinch of salt. After a few minutes, the gruel thickens a little. With this homemade porridge there is herbal tea to taste, after the meal a teaspoon of psyllium husks, like the healing earth, stirred into a large glass of water. Flea seeds also divert pollutants, swell up strongly in the intestine, in this way stimulate the natural intestinal peristalsis and thus shorten the time leftover food remains in the intestine. The mucilage in the flea seeds also nourishes the intestinal mucosa and helps it to regenerate.

Lunch : vegetable soup with potatoes and carrots, seasoned with a pinch of sea salt and caraway seeds.

In the evening : Sweet potatoes with dip – cut sweet potatoes into small pieces, sauté, plus there is probiotic yoghurt, which is seasoned with a little dill and a pinch of salt.

In between : drink a lot, herbal tea and mineral water, apples and pears (please chew each bite several times and slowly until a porridge has formed)

2nd day of the intestinal diet

In the morning : Serve oatmeal muesli with probiotic yoghurt, rub an apple under it, flea seeds and healing earth as on day 1

Lunch : Vegetable soup with easily digestible vegetables of your choice – such as fennel, celery, potatoes

In the evening : potatoes with quark – boil the potatoes in their skins, peel them and season with fresh herbs

In between : drink a lot again, apples, a banana

3rd day of the intestinal diet

In the morning : flea seeds and healing earth as on day 1, oatmeal muesli with yogurt and banana

Lunch : Polenta with vegetables – boil polenta in vegetable stock for ten minutes, let it steep for 15 minutes, stir in a small amount of butter, with steamed vegetables with fresh herbs of your choice

In the evening : vegetable soup made from carrots and potatoes

In between : drink a lot, apples, pears

4th day of the intestinal diet

In the morning : oatmeal muesli with seasonal fruit such as blueberries and strawberries; Flea seeds and healing clay as on day 1

Lunch: asparagus with potatoes, drizzle asparagus with a little butter and season with fresh herbs, with jacket potatoes

In the evening : Lukewarm vegetable salad with fresh goat cheese, sauté vegetables of your choice, such as celery and carrots, serve with fresh radicchio, season with salt and lemon juice, spread two tablespoons of fresh goat cheese over it

Occasionally : spelled crackers, apples, 1/2 liter of buttermilk

5th day of the intestinal diet

In the morning : Muesli of your choice (oat flakes, three- or five-grain flakes), yogurt, fruit, flea seeds and healing earth as on day 1

Lunch : Gnocchi with chicken and fennel – make your own gnocchi from boiled, mashed potatoes, flour and an egg, shape the gnocchi from the potato dough and cook in water until they float on top. In the meantime, clean the fennel bulb and cut into strips, sauté in a little safflower oil, cut a chicken breast into strips and add, season with salt, stir in a little sour cream and serve with the gnocchi.

Evening : Avocado sandwich – make avocado cream yourself from a mashed avocado, mix with a little yoghurt, season with lemon juice and salt, with graham bread (whole grain bread, but chewed … slowly)

Occasionally : banana, apples, drink a lot

6th day of the intestinal diet

In the morning : banana porridge made from oat flakes – briefly bring the oat flakes to the boil in salted water, let them cool down, add a little yogurt and a mashed banana. Flea seeds and healing clay as on day 1

Midday : Wholegrain penne with vegetables and ricotta, cook the penne while chopping the carrots and onions and sautéing them in a little vegetable stock, seasoning with salt and a touch of garlic powder, adding the parsley, serving with the penne, spreading a little ricotta over the top.

In the evening : Sweet potato casserole, cut the sweet potatoes into fine wedges, place in a casserole dish, whisk an egg with a little sour cream, season with salt and pour over the vegetables, bake in the oven over a mild heat for about 25 minutes.

Occasionally : spelled crackers, apples

7th day of the intestinal diet

In the morning : porridge with a dash of kefir and fruit to taste, a few walnuts, psyllium and healing clay as on day 1

Midday : Cod on carrots and kohlrabi – chop kohlrabi and carrots and sauté in a little safflower oil, season with salt, season the cod fillet with salt and lemon, fry in a non-stick pan with a little fat, place on the vegetables, close the lid and leave to stand for another five minutes . Garnish with fresh parsley and, if you want a side dish, serve with potatoes.

In the evening : Beetroot bulgur salad with cottage cheese – boil the beetroot, cut it open and flavor it with a little lemon and salt while still warm, let it steep. In the meantime, bring the bulgur to the boil and let it steep until it is soft, then strain. Serve with the beetroot, season to taste, for example with turmeric. Crumble the cottage cheese over it and serve.

In between : banana, apples, sesame crackers

So that the intestine remains healthy in the long term

After this week the intestines have usually recovered well and digestion is working optimally. This means that the passage of food through the digestive organs has accelerated without the presence of diarrhea – which is undesirable, as is constipation. If you eat a healthy bowel diet now in the future, you will create the best basis for optimal digestion. Eating healthy intestines means:

  • drink a lot
  • Use fleas for intestinal care
  • take yoghurt, kefir or buttermilk more often because of the helpful lactic acid bacteria
  • Reduce sugar and fat
  • eat a lot of fruit and vegetables instead
  • Eat meat only once a week, fish once
  • it is best to cook it yourself, largely eliminate ready meals and fast food from the menu

It also makes sense to refrain from cigarettes and limit alcohol consumption. With this simple yet powerful program, you will not only support your bowels, you will also be doing the best for your overall health, preventing illnesses and probably even losing weight in the long run.