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Golden Rule Health Insurance of Arizona ( part of the United Healthcare family of companies) is just another of the many insurance companies that the 48th state admitted into the U.S. has to offer. If you live within the state of Arizona and know people that are covered through this health insurance company, then perhaps you may have heard the "follow the Golden Rule and you will find assurance" statement.

Golden Rule Health Insurance Company was founded in the year 1940 by Michael and Mary Rooney. The couple founded it in the city of Lawrence, Illinois; however the main office of this company can be found in Indianapolis, Indiana ever since the 1970's. The most important event in the history of this company was when they were bought by United Healthgroup Inc. in 2003 for the sum of $500 million. Ever since that year the company has been known as one of the most important subsidiaries to United Healthgroup Inc. and can now be found in 28 out of the 50 states of the nation.

Best known across the country for the low-cost and excellent coverage given to its members, Golden Rule Insurance Company also offers their members of selected states the option of Health Savings Accounts (HSA) compatible plans. What this means is that the premium they pay monthly and the costs they will have to pay for the services will be much lower. This is simply due to the fact that a Health Savings Account is a tax-favored savings account combined with a high deductible health insurance plan and the best of all is that they are the main type of consumer driven healthcare. What this means is that a person with an HSA can control their own health care decisions.

Golden Rule Insurance has exceeded their expectations through these three years they have worked under the United Healthgroup Company and are proud of their outstanding service. It is exactly the customer service part of Golden Rule that brings the company to the top of the health care industry. They process about 94% of quotes within 10 days or less and they also offer discounts of 35%-45% for their members thanks to their nationwide network of doctors and hospitals. Because of customer service and the outstanding coverage that they offer their members A.M. Best has given them a rating of A (Excellent) while Standard and Poor's have followed that with an A+ (Strong) rating. United Healthgroup, the parent company of Golden Rule Health serves more than 28 million members in the U.S. and provide higher quality care from an estimated 470,000 physicians in 4,500 hospitals across the country.

Golden Rule Health in the state of Arizona offers seven distinctive plans with many variations. This means that the plans and the network are associated by name, but within the plan the customer can choose their deductibles, their copays and in turn decide how high their monthly premium is going to be. Below you will find the seven plans that are offered in Arizona with a detailed description of what services it has and how much you should be expected to pay when you decide to use those services.

Plan 100: With this plan you have the following choices on deductibles: $1500, $2500, $3500 or $5000. They will pay 100% of the co-insurances on services once you have paid the deductible and the rate is locked for 12 months. For preventive care services (Doctor Visits, Child Immunizations and Mammograms) you wont have to pay anything once you meet your deductible, the same goes for outpatient services (doctor visits, prescription drugs and lab tests such as X-rays). The only thing you would have to pay is an emergency room fee of $100 if you don't get admitted into the hospital in case of going for an emergency. For inpatient services everything is covered 100% once you meet your deductible. It is important to note that since everything is paid for once you meet that deductible; the monthly rates might be a little higher than other plans.

Plan 80: This plan is much the same as the 100 plan. You will be able to choose between $1500, $2500, $3500 and $5000 deductibles and the rate will be locked for 12 months. The difference comes in the co-insurance payments once your deductible is reached. With this plan you will have to pay 20% to $3000. This means that the company will pay 80% of the co-insurance and up to $12000, then everything is covered. For preventive services such as doctor visits, immunizations and mammograms you should expect to say 20%. For outpatient services such as doctor visits, prescription drugs, CAT scans and MRIs you should also expect to pay 20% co-insurance. The emergency room fee is different because if you decide to go you will have to pay 20% co-insurance plus $100 more if you are not admitted. Inpatient services such as surgeries you also will be required to pay 20% of the total cost once your deductible has been met.

Saver 80: This plan is a little different that the two plans we have seen and is the plan with the lowest monthly premium because is the one that charges you more when you use the services. You have deductible choices of $500, $1000, $1500, $2500, $3500 and $5000 and just like the other two your rate will be locked for 12 months. Most preventive care is not covered and you will have to pay 20% co-insurance for preventive tests such as mammograms and Pap Smears. Outpatient Services are also much different under this plan. If you decide to go for a doctor visit you will have to pay full price, in other words you are not covered. Outpatient drug prescriptions are not covered, however a discount card is sent over the mail for members of this plan. Everything else is 20% co-insurance, except that with the emergency room fee you will have to pay $500 if you are not admitted. All inpatient services are 20% co-insurance as well.

Copay Select: This plan is a copay based plan instead of a co-insurance one. What this means is that you will have to pay a particular amount for most of the services instead of a percentage. With Copay Select you will be able to choose from $500, $1000, $1500, $2500 and $5000 in deductibles and your rate would be locked in for 12 months. For preventive care office visits and outpatient doctor visits you will have to pay $35 dollars. The prescription drugs under this plan are divided into tiers (generic, brand name and specialty) and you will have to pay $15, $30 and $60 accordingly. You will have to pay a 20% co-insurance in all the other outpatient services as well as inpatient care. Emergency room fee if you are not admitted is $100.

Copay Saver: This is another copay plan offered by Golden Rule Health in AZ. The plan only allows the member to choose from a $2500 and a $5000 deductible. Most Preventive care is not covered and only tests such as mammograms in which you would have to pay 20% are covered. For outpatient services you will have to pay $35 for a maximum of 2 visits per year, although you can purchase more. The prescription drug tier would $15 for generic with brand name and specialty drugs not covered and everything else would be a 20% co-insurance. The emergency room fee if you are not admitted is $500 and inpatient services are covered if you pay 20% co-insurance.

HSA 100: These plans are compatible with health savings accounts. Deductibles for this plan are $1100, $1850, $2850, $3500 and $5000 for an individual and for a family those deductibles double. The rate is locked in for 12 months and after you reach your deductible you won't have to pay for a single thing. Everything under preventive care, outpatient services and inpatient care is covered 100%. No need for copayments or co-insurances, not even if you go to the emergency room and are not admitted.

HSA Saver: These is another plan compatible with a health savings account. Deductibles for this plan are the same as the other one: $1100, $1850, $2850, $3500 and $5000 for individual and those are doubled for family. Within preventive care you are only covered 100% for tests, other than that you are not covered. Outpatient care is quite different from the other Health Saving Account plan. You will not be covered for doctor visits and for prescription coverage you will only be given a discount card. If you don't get admitted to the emergency room when you go, then a fee of $250 will be implemented. Impatient care stays the same and you will be covered 100% for anything within this category.

To compare Golden Rule United Healthcare Arizona health insurance quotes then be sure and request a quote comparison of Golden Rule against other top Arizona health insurance companies to determine if they may be a good choice for your health insurance needs. Get started comparing individual health insurance quotes today!

A NATIONAL BROKERAGE AGENCY MISSES THE OPPORTUNITY. Google and the internet are national and even international. This means Google's Adwords used by local, state, and regional agent recruiters automatically are put at an disadvantage. For example, look at a smaller regional advertiser with a territory of Washington DC, Maryland, and Virginia.

If their contract is for this area, any response they would receive from California or Florida would be totally useless. Half of them, still do not truly understand this. The purchase by bidding to get one of the top slots for key phrases like individual major medical.. After a few dozen calls outside their territory come in from visitors seeing their website, they finally get the hint. The keywords they bid on must be more exact. Or no sales.. "Maryland individual major medical", or "major medical insurance Virginia" must be used for their key Google AdSense word phrases. This usually increases the bidding costs, and also their advertising budget.

The National Brokerage General Agency can purchase keywords to target agent responses such as: best income indexed annuity, fixed income indexed annuity, fixed premium indeed annuity, or top return income indexed annuity. Advertising keywords prompt an internet searcher to go to a page directly on your internet site. This landing page should then give the agent more product info and how to contract for contracting. The National Brokerage Agency however is guilty of not spending some money for Google sending traffic their way, and also for not having pages designed with the agent in mind.

The 3^rd opportunity, although a tough one to avoid all the scam operations, is the use of a quality internet Email list of insurance agents nationally. 4 hours of intense searching the internet resulted in finding only one firm who seem reputable in providing an Email list both high enough in quality, and backed by a good reputation at a fair price. Instead of 6 cents each on a questionable list and source, we located one charging 1 cents each, $1,500 for 100,000 emails.

Since the National Brokerage General Agency firms average a few years behind the times, many of them are taking on the responsibility for far too much territory than they can handle. They should turn their attention to finding a mailing list compiler skilled in providing them with a target list of quality annuity brokers. Yes a more refined list might cost them $20-$30 per thousand agent names more. Instead procrastination sets in along with the unwillingness to spend money on either precise internet or direct mail recruiting to agents. Magazine Ads do NOT recruit agents, but excellent recruiters can recruit excellent agents. This is sometimes why a regional firm that understands direct marketing ends up being more profitable.

While National firms are still in the twentieth century, now is the perfect time for state and regional firms to steal more than their share of producing independent agents and brokers.

You have heard the saying that the more you know, the more you realize you don't know. Don Yerke likes to concentrate on what you don't already know and what no one else dares to print. Tell it like it is, and more people listen. Besides writing articles, Don is the founder and adviser at Agents Insurance Marketing. The website address is http://www.agentsinsurancemarketing.com You find in pages after pages of info lots of facts, tips, tricks, industry secrets, advice, insight, news, and articles. Check out the website now. If subjects such as lead quality, lead generation, agent training, recruiting, direct marketing, insurance marketing, lead sources, sales pitches, or successful sales results appeal to you, then it's a website worth bookmarking.

With sky rocketing gas prices, many people are turning to new vehicles rather than purchasing gas guzzling used cars. Virginia Beach gas stations are charging a dollar more per gallon than they did a year ago and this means wasting fuel is going to eat at your wallet regardless of how new or old your vehicle is. There are many things you can do that will not only save you gas money, but also help your new or used vehicle last longer too.

Driving in Hot Weather

In the summertime, air conditioning is one of the biggest causes of poor gas mileage. If you absolutely have to use the air conditioning, run it on a low setting until the car reaches a comfortable temperature. Then, turn it off and run the fan by itself to maintain the temperature of the vehicle.

Driving with your window down at low speeds is fine, but at highway speeds, this can be worse for your gas mileage than anything else can be. When you run your vehicle with the window down, the air current enters into the vehicle and holds it back causing your car to work harder to propel itself forward.

Car Maintenance

For both new and used cars, Virginia Beach drivers and others around the country need to schedule maintenance on a regular basis. Things such as dirty air filters, spark plugs, and dirty oil can wreak havoc on the best running vehicles. When you schedule your vehicle for its oil change, make sure to have a quick check done on the rest of these small components. They are quick, easy, and cheap to change and the payoff is significant.

When was the last time you checked your tires? Tires that are extremely worn down slip on the road's surface and are forced to rotate more than they should. Check your tire pressure at least three times each week to ensure they are correctly inflated, but keep in mind, that overinflated tires are just as bad as underinflated ones.

Driving Habits

Perhaps most influential on the gas mileage of a vehicle, is your own personal driving habits. For example, in Virginia Beach, used cars and new ones alike spend hours in any given month lined up at red lights.

To cut this down, try to avoid rush hours and alter your route as much as you can to cut out red lights without adding on too much added distance. Stopping and starting is also hard on gas. It also helps to keep your overall speed down to the speed limit or slightly less while accelerating and decelerating as gradually.

All vehicles will have a top limit on their gas mileage, but practicing these few simple tips will help you to save as much gas as possible. Best of all, these are all simple things that don't require a large investment of time or money. Soon, you will notice that you are not only saving money on fuel, but you will also find that you will save money because your vehicles will last longer.

Author is a freelance copywriter. For more information on Used Cars in Virginia Beach, visit http://www.beachford.com.

Soul Travela.k.a Astral projection (astral travel) is an interpretation of out-of-body experiences (OBEs) and is one of the practices of Echanka, Religion of the Light and Sound of God. Eckankar is ancient wisdom. Its teachings, emphasize the value of personal experiences as the most natural way back to God. Whatever your religious beliefs, Eckanka shows how to look and listen within yourselfto expand your consciousness and enjoy spiritual freedom. Learning, perhaps for the first time, how to lead a happy, balanced, and productive life and put daily concerns into loving perspective. OBEs are achieved either via deep meditation, awake and aware transitions, lucid dreaming or use of psychotropics. Those who believe in Soul Travel maintain that their consciousness or soul has transferred into an astral body (or double) which moves in tandem with the physical body in a parallel world known as the astral plane.

The understanding of Soul Travel dates back to ancient China. There are two schools of thought on the nature of Soul Travel, these are defined as the mystical model and the phasing model.

The mystical model includes a variety of belief systems and astral maps, but they are tied together by their belief that Soul Travel takes place outside of the actual physical body. A more subtle energy body is believed to carry the consciousness outside of the physical body, and as one progresses to more advanced levels of the astral plane, more subtle bodies are realized and consciousness is transferred in turn to each of them. (Other mystical models assume only one subtle body.) The subtle body is attached to the physical body by means of an energetic connection which usually takes the appearance of a silver cord 'plugging' into the chakras like an umbilical cord. I have seen this silver cord. It has been suggested that the cord is related to etheric projection, not astral. If the cord was associated with just astral projection, then we would see it every time we astrally projected.

The phasing model, defined by Robert Monroe, contains the belief that it is impossible to actually leave the body in the truest sense of the word, and that the astral planes and the physical world are merely points on the long spectrum of consciousness. When a person projects, they actually "phase" into another area of consciousness and the locales it contains. This can be likened to tuning a radio to another station. One of the initial signposts representing a phase shift away from physical reality has been labeled the state of focus (mind awake/body asleep). This viewpoint can be seen as a logical progression of the philosophy that external reality is actually an internally created state.

There are four types of Soul Travel:

UnconsciousUnintentional a person is unaware and had no intention to Soul Travel usually during sleep or sometimes a person is awake, but seems to be absent.

UnconsciousIntentional a person is unaware, but had no conscious intention to Soul Travel does not remember the experience clearly, may have some images, but has no definitive recollection.

ConsciousUnintentional a person is aware, but had no conscious intention to Soul Travel

ConsciousIntentional a person is aware of the experience and intentionally created the Soul Travel experience.

To perceive other realities, we have to use the Inner sensesmethods of perception that belong to the inner self and operate whether or not we have a physical form. The Inner Senses expand normal consciousness and allow us to become aware of our own multidimensional existence. Seth, from The Seth material.

One of my ConsciousUnintentional Soul Travel experience occurred while mindlessly dusting. Being in nature is a passion. As I dusted I found myself standing on a path near the Bell Rock vortex in Sedona, AZ. The experience was magnificant as I was living in NJ and missed the beautiful skies full of Love, Spirit energy and awesome beauty of the red rocks jutting high into the sky in all directions.

Another ConsciousUnintentional Soul Travel experience occurred while I meditated. I saw myself looking back at myself sitting in the chair meditating.

Dorothy M. Neddermeyer, PhD, author, hypnotheraist, motivatinal speaker and inspirational leader specializes in: Mind, Body, Spirit healing and Physical/Sexual Abuse Prevention and Recovery. Dr. Neddermeyer empowers people to view life's challenges as an opportunity for Personal/Professional Growth and Spiritual Awakening. http://www.drdorothy.net

We Travel to Try New Foods

Travel and teaching English as a foreign language abroad are some of the most interesting and mind-altering experiences we can have. We travel to meet new people, to experience new cultures, to see bold new sights and to try new foods. We need to be careful though, some foods can make you really sick, turning your dream trip into a nightmare. The quantities of bacteria, protozoa, molds, fungi and parasites ingested from food is truly amazing.

Here Are Four Food Areas to Be Wary of When Traveling Abroad

Water

The old saying, "you can lead a horse to water, but you can't make him drink" That's because ole horsey knows that water is most often unsafe for you to drink on foreign soil. Water supplies in many countries are subject to a multitude of factors you don't want to know. Drink only bottled, treated (by you) or boiled (preferably by you) water when traveling abroad.

Water-based Juices

Didn't we just say, "don't drink the water"? Well, if your lemonade or other juice is made with local water, you don't know where the water comes from - and maybe you don't want to know, either. The same holds true of ice and ice cubes. You can't be sure what the water source was they are made from.

Fresh Salads

Again, "don't drink the water" holds true. Yes, even for fresh salads. What do you think they "washed" the vegetables with? If you don't know or can't be sure, you'd better not eat that garden salad. I don't care how "good" it looks. You could be expressing your regrets later the same day quicker than you can ask, "where's the toilet?"

Street Vendor Foods

Are you kidding me? You're not actually going to eat something from the cart of that slovenly-looking guy on the corner, are you? Hey, I know that you're here to have new experiences and to try new things. But is a tour of all the local toilet facilities and emergency rooms on your list too? If not, then be very careful about what you put in your mouth (in more ways than one, too).

Be Wary of When Traveling Abroad

By all means travel, explore new regions, see new sights and wonders, learn and grow. Just remember to be wary of these seven foods mentioned here when traveling abroad. That way you help yourself to be assured of good health when traveling and eating abroad. In the companion article to this series, "Foods to Be Wary of When Traveling Abroad", we'll detail some additional "delicacies" to watch out for. See you then.

Prof. Larry M. Lynch is an EFL Teacher Trainer, Intellectual Development Specialist, prolific writer, expert author and public speaker. He has written ESP, foreign language learning, English language teaching texts and hundreds of articles used in more than 120 countries. Get your FREE E-books, English language teaching and learning information at: http://bettereflteacher.blogspot.com
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