Health Loan Basics: Should You Apply for Medical Health Loans?

Health Loan Basics: Should You Apply for Medical Health Loans?

Medical debts are becoming a nightmare in the United States. Health care costs have risen while health insurance coverage options have been limited, which has left people with no choice but to apply for medical health loans.

According to a survey conducted by the Kaiser Family Foundation, twenty percent of working-class American citizens are unable to pay their medical health bills.

Maybe you could opt to subscribe to an insurance plan to cover a portion of your health bills, though, it is better to consider looking into ways of how you can secure health loans.

What’s a Medical Health Loan?

Medical health loans are personal loans that you take to help you cover some of your medical expenses. Usually, your lending institution has personal loan rates that will apply when you’ll be paying back your loan.

Why Should You Apply For Medical Health Loans?

According to the Patient Advocacy Foundation, American residents file bankruptcy because of huge medical bills that they are unable to foot out.

Opting for a medical loan to help you trim some of your medical expenses could be a significant stepping stone. The best of all is that there are online personal loans options you can opt for. Therefore, don’t fret about paying substantial medical bills all by yourself.

Below are some of the benefits of securing a medical loan:

  • You can receive the financial faster as compared to an insurance cover that will keep you waiting
  • You don’t need collateral if it’s unsecured loans
  • Medical loans, in most cases, may not affect your credit report
  • Medical loans in some cases have the best finance options and interest rates as compared to other money lending institutions
  • You have the freedom to use your medical loan funds in sorting out other medical issues

5 Situations When Medical Health Loans Could Be Of Benefit

Usually, you can use your medical loan funds to cover a variety of medical expenses that aren’t covered adequately by your insurance company. Below are the five most common situations when medical health loans could be of benefit:

  • Fertility medications
  • Orthodontics
  • Cosmetic surgeries
  • Weight loss surgeries
  • Medical debt consolidation
  • When to Use Medical Loans

You may have an insurance cover but not sure whether your insurance company will cover all your medical expenses. In this case, you’ll have to go for a loan from a reputable financial institution like that offers pre-approved loans.

For instance, some insurance health plans may cover just a portion of your medical bills. So, you’ll have to apply for a medical loan to help you settle the bills.

Sometimes you may be subjected to a medical procedure, in which your insurance provider doesn’t view as medical-related. Similarly, you’ll opt for medical loans to supplement your funding.

How Medical Loans Work

First, it’s critical to note that the process for applying a medical loan is similar across financial institutions, though, there could be differences in the credit score requirement from one lending institution to the other.

Sadly, medical loans are subject to have higher interest rates. That’s why it is advisable first to know their interest rates.

How to Compare Medical Loans

1. Annual Percentage Rate

The interest rate on loan can significantly affect what you’ll have to pay every month. Besides, it can impact whether or not you will be able to pay back your loan.

Five to six percent interest rate could be considered a low rate. Sadly most medical health loan interest rates range between twenty to thirty percent.

If the interest rates are high, you’ll take a long time to complete paying back your loan – especially when you have a large loan yet your payments every month is small.

2. Origination Costs and Interest-Free Periods

Some loans will offer you a grace period of up to eighteen months to start paying interest. This is a bonus, and it should be one of your considerations.

Originations costs are charges that you incur to process your loan. Usually, the lending institution will charge it once, and it usually costs around $100 or more.

The origination cost is the percentage of your loan value. So, the more your loan, the higher your origination cost.

For example, if you apply for $10,0000 and your origination cost is $500, you will receive only $9,500 and not the full $10,0000.

Therefore it is essential that you check if your loan has an origination cost and familiarize yourself with how it works.

3. Choose Between Fixed and Variable Interest Rates

A variable interest rate occurs when your interest rate changes over your loan period. This can affect your monthly payments, and how long you will take to complete paying back your loan.

On the other hand, a fixed interest rate enables you to know the exact rate you will be paying monthly. Unlike the variable interest rates, this type of interest rate doesn’t change. So, it won’t affect your monthly payment schedules.

4. The term of Your Loan

Now, the other thing to consider is the term of the loan. Are you going for a short-term or a long-term loan? If you take a long-term loan, you will pay smaller amounts monthly, but it is essential to note that you’ll be paying more. It’s therefore to choose a plan that best suits your need. Depending on your interests, you can select any plan.

Wrap Up

Honestly, you need a medical health loan. You cannot rely on one option as your primary source of financing your medical bills. Choose the best medical loan that suits you today and secure your life.

Watermelon Nutrition Facts

Watermelon can be enjoyed by the whole family, especially children who love the sweet taste of the melon. The watermelon is similar to the cantaloupe and the honeydew which contains a sweet pink flesh which is surrounded by the rind. Watermelon is delicious all by itself or added into a fruit salad. You can even cook a watermelon steak which isn’t done too often but is a nice summer treat. There are so many watermelon nutrition facts that many people are quite unaware of.

Watermelon is actually a great source of energy. Having 100 grams of this fruit is only 30 calories and water makes up a great amount of the watermelon fresh. That is why it has such a low-calorie content, the majority of it is water. This is a great snack for dieters who want to lose weight. The majority of these calories come from the content of sugar and the watermelon contains a good amount of carbohydrates. Fructose is a natural fruit sugar that makes up most of the sugar content in watermelon, and this gives fruit the sweet taste.

Watermelon has a lot of Vitamin A, C, and the mineral potassium. Vitamin A contributes to the proper vision and both A and C assists in having healthy skin and hair. The potassium will help to regulate the blood pressure and also prevent any hypertension from taking place. Hypertension is a risk factor for heart disease as well. While consuming watermelon it will help to give your body the minerals and the vitamins that it needs to uphold your health and overall well being.

One of the other beneficial nutrients is lycopene, which is a compound that gives watermelon flesh its pink hue. This acts as an antioxidant in the body and consuming this could have a lot of health benefits. When there is a diet rich in lycopene, it could easily lower your risk of developing any heart disease issues. It could also keep you safe from having skin, bladder, lung or prostate cancer.


This fruit is one of the richest in lycopene, and if you can consume it regularly it will contribute immensely to your health and to your future. If cancer runs in your family, it’s always smart to start dieting well at a younger age – although, everyone should eat healthy at all ages to ensure healthy development and high performance.

Bodybuilding Nutrition

Bodybuilding Nutrition

Nutrition plays a huge part in getting the body that you want from lifting or for a competition that’s coming up. Without bodybuilding nutrition, you will not put muscle on the way that you want or for a long period of time. These types of diets are changing constantly because the human muscle mass increases along with it. If you lose muscle then you’ll need to eat less.

There are a couple of ways to monitor where you’re beginning and where you want to be. Of course, you can go with the dusty scale that’s sitting in your bathroom. Monitoring your weight helps you to see if your goal to put muscle on is allowing you to increase your body weight. If the scale is showing that your weight is the same or going down then it’s possible that you need to start eating more. If it’s going up then take notice as to whether your actual muscle ration is going up instead of your stomach. Do know that you can expect to put on a certain amount of body fat when you gain muscle and you will want to monitor this as well.


You can use body fat calipers every two weeks to see exactly what kind of progress you’re making with your body. If the muscle mass is going down due to you not eating enough then you need to eat more than you already are. If the body fat is going up then you need to eat less and work out more. All gyms should have a set of these calipers and as long as the same person is doing those measurements you should get an accurate depiction from it. When you have obtained the total amount of millimeters the chart is going to show what percentage you have of body fat. Take this figure from the total weight and it will give you a figure for your fat-free mass. This will include the weight of your organs, bones, muscle, and water.

You should constantly keep track of your body fat and your fat-free mass. This way you will see if the body fat percentage has gone up. You are going to find that if your food intake is correct then your exercise and fat-free mass will go up. This, in turn, will result in a body fat percentage going down and if you’re not eating enough then the muscle mass will go down and that’s definitely not what you want.


Most bodybuilders don’t focus enough on bodybuilding nutrition and ignore the time that it takes to consume protein which is before, during and also after a workout. These are not only the very best times to consume protein but the ideal time in which it will take many of the other nutrients and supplements to set in and help your body build muscle.

When you are training your body is going to soak in anything that you put into it because your bloodstream is rocking out! When certain nutrients are taken at certain times it is going to have a huge effect on your hormone level. It’s all about timing when it comes to taking in those calories and this is going to help you build more muscle while cutting out more fat. The very best way to take in the nutrition is by having three different protein shake mixtures before training during training and right after it. This is going to ensure that it’s being delivered to your muscles and that your blood is taking it in completely.

Healthy Eating on a Budget

Healthy eating is essential for a productive lifestyle – but, it seems that for many it’s very difficult to buy healthy foods due to the high price tag. Everyone needs to include a significant amount of fruit and veggies into his diet because that is where he will get the most nutrients. When buying meat for your family it may be better off to choose grass-fed that is treated ethically. Organic foods are on the rise but they tend to cost more because it is a better lifestyle. The following are tips and tricks that you can use so that you can stay on a budget but get the foods that you or your family need to stay healthy and productive.

Why should you go to Organic?

When you purchase organize foods it will keep the toxic ingredients out of both our bodies and the environment. You should always choose meat from animals that were raised in natural settings because they will not include the chemicals that contain toxins; although, these are much pricier. Most of us need to watch the amount of money that we spend due to the high cost of everything.

Here are a few ways that you can spend less yet get more organic foods:

  • Eat less meat. Did you know that there are millions of Americans eating more meat than their body should actually be consuming? Purchasing meat that is free-range and free of hormones will always cost most and although it is quality meat to go organic your body and your family doesn’t necessarily need the meat in their diet very often. Limit the amount that you buy and you, in turn, will limit your spending.
  • Include a lot more grain in your diet because they give you the energy that you and your children would need throughout the day. Healthy eating on a budget can really be maintained by incorporating grains because they will add heaviness to a meal that most people need and will accidentally incorporate more meat. Use more grain and beans in your cooking and you will be surprised as to how much money you save. Eden organic brand is the way to go because they cook their beans in Kombu; the beans help with digestion.
  • Trying buying in bulk to save more money. This will keep you from buying the foods that you don’t need and cooking more often instead of getting takeout or going to a restaurant throughout the week. You can buy grains, dried fruits, and nuts in bulk isles of the natural food stores. Choose an amount that will last for cooking and for the number of people in your family. The bulk food will cost less and will give you more. Although you will spend more during the first trip, you won’t have to go back to the grocery store and spend more again.
  • Make smart organic choices. Prioritize the twelve fruits and veggies. Always make sure that you clean them before you eat them, even if they are all natural or local. A quick soak at home is necessary or you can use Environne, which is a veggie wash that removes the chemicals from the surface of the foods. Pesticides are actually water resistant which is why sometimes just using water to get off the toxins isn’t enough. Soaking them is much better or using a product that will wash them off without making the foods taste bad. Even if they are from an organic produce store, make sure that they are cleaned at home before consumption.

Healthy Eating Plan for Kids

Healthy eating is one of the most important factors in life, and sadly, it is the aspect that is neglected the most. With all of the responsibilities that we all have throughout the day, the week and throughout life we all tend to fuel our bodies with foods that aren’t good for us in the slightest bit. Especially, in America where far too many portions are large, foods are processed and sugar intakes are high we are not conscious of all of the detriment we are doing to our bodies in the processing of eating and even taking in liquids.

For kids, it’s especially important for parents to monitor what they are eating and fill their kitchen cabinets with foods that are low in sugars, high in proteins, nutrients and vitamins. Why is it important for children to eat right? The nutrients that you give them now will determine a lot of things throughout their life time. Their overall health is the foundation of the way that they focus at school, perform in sports and it will make them feel happier throughout the day. If you supply them with snacks that are high in sugar and low in protein, it’s likely that they’ll get on a sugar rush and then crash – without being able to function or get their work done at school.

Teach your Kids about Health

Although there are nutrition classes and health classes throughout an education, students need to be reminded daily about the importance of their health and how their diet and physical activity has everything to do it. Did you know that children adopt their eating habits from their parents? If a parent requires a child to finish the portion of food on their plate is it correct if it is too much food? It’s important that every person, including children, eats when their hungry and stops when their full. A healthy eating plan for kids would be one that is educated and actually planned out in advance before they take off for school the next day.

Children should always have snacks with them so that they can munch on them throughout the day. Of course, they are growing unlike adults therefore their bodies can take in and will need a lot more calories than a full grown adult. Pack a bag of healthy snacks for your child that they can enjoy eating instead of candies, cookies or foods that are processed. The best thing that you can do is supply them with fruits, veggies and snacks such as granola bars that will give them energy to stay active and focused throughout the day. Try to avoid any juice drinks because those are mostly packed with sugar and that’s the last thing that they need at school.

Stress to them the importance of water or give them all natural juice drinks so that they are at least getting some vitamins from fruits in their diet. There is a lot of food for children that is healthy but is made so that the child will actually like the taste of it. Always make sure that you give them a breakfast that is high in protein in the morning so that they are ready before they hit the books.

Although every child and adult should splurge, it’s best to keep sugar to a minimum because it can do a significant amount of damage to the body and brain. Avoid grease and a lot of carbs as well because an overload of food is just as bad as a child not eating enough food. It is detrimental to the way that the nutrients are processed.

Healthy Eating Plan to Lose Weight

Healthy Eating Plan to Lose Weight

If you want to start shedding the pounds then you’ll have to design or abide by a healthy eating plan to lose weight. Your diet is what gives you the nutrition that your body and mind needs at every single stage of life for overall body function and for your day to day health. You can eat tons of foods that fulfill this type of criteria or you can choose to indulge of foods that taste good but are not beneficial to your body whatsoever. This choice that you make will ultimately determine how often you are sick, how your children develop and grow, how much you weight and how you also feel about yourself. If you have a poor diet it can easily raise your own risk of illness and often heart disease.

If you want to avoid any health conditions, dental problems, bone problems and even breathing problems then you need to start paying attention to the amount of nutrition your body is getting each and every day. You need all of the vitamins to ward off disease, calcium and you also need to limit the amount of sugar you take in to avoid having to deal with any bone problems. These and other nutrients will keep your blood flowing properly and provide your body with the proper oxygen. This will also support your metabolism which will help you to lose weight and maintain digestion.

Controlling Weight

A diet that is full of nutrition, tied into an exercise routine that will burn calories is going to control your weight without you having to cut an excessive amount of calories out of your diet; although, the foods should be healthy and smaller in portion. An eating plan that works for you and is consistent is the best pattern that your body and mind can find for ultimate performance.

Let’s face it, to get through the day both your body and mind needs calories. If you aren’t feeding it with calories then you will feel low on energy and moody. Eat very small portions (under 200 calories) every 2-3 hours and drink a lot of water. This is a great way to design a healthy eating plan to lose weight. When you can expend the calories that you consume then you will remain at a very healthy weight without having to go on extreme dieting.

The rate of chronic disease has risen significantly along with the average weight of the American citizen according to the Disease Control and Prevention Center. If this isn’t a warning to the public, then what is a warning? Being able to maintain the appropriate body weight will make you far less likely to develop any sort of Type 2 diabetes and it will ensure the health of your children. When you can eat less saturated fat, decrease the amount of cholesterol as well as sodium in your diet then it’s going to decrease your risk for heart disease immensely. These are some serious health problems that can rise within the body over a long period of time and it can even end your life abruptly, prematurely without you having any idea.

The best way to prevent that from happening to you and to prevent that from happening to your family is by designing a healthy weight plan to lose weight. That is the best way to live a healthy and prosperous life without partaking in yoyo diets or in fad diets that only last for a month or two and cause you to lose all of your weight back afterwards.

Healthy Eating Plan

Healthy Eating Plan

In order to get healthy and lose weight the right way, you’re going to first have to comprehend that some days it will be extremely difficult. With having a full-time job, schedule or family to take care of it’s very challenging to abide by a healthy eating plan and get the results that you want from your body and mind. Of course, there’s a way to do it but you first have to convince yourself that your health comes before absolutely everything. You really are what you eat, and if you don’t eat right then you definitely will not feel right.

In order to do this the right way, you will have to stock your kitchen with healthy foods. Throw out all of the sweets and processed foods or canned foods. Having them in your house will only lead to late night cravings unless you can control them and leave them for one splurge day throughout the week. A healthy eating plan consists of you planning out the diet before the next day. Knowing exactly what you’re going to eat in the morning, and every two hours after that; yes, I said every two hours!

Although, that seems like a lot the portions are going to be very small. Doing this will speed up your metabolism and lead to your body burning fat very quickly instead of storing it. The body will begin to store fat if you do not eat every two hours – especially if you do not drink enough water. Water will allow for digestion and your body needs that hydration throughout the day to stay energized. When you are energized you can stay focused and be productive.

What foods do I Eat?

There are certain foods that are fantastic to carry around and snack on throughout the day. Consider almonds, low fat and low cholesterol crackers, cheese sticks, bananas, apples – anything that does not contain a lot of sugar. In order to lose weight and feel good, you should be burning more calories than you’re consuming throughout the day. As tedious as it may be sometimes it might be necessary for you to count calories so that you know that you are burning more than you’re taking in.

Always have a larger breakfast and every small meal after that should progressively get smaller; that way, you know that you’re burning more and keeping your metabolism revved up. Always have water with you. Chugging a bottle of it when you’re hungry or before a meal will keep you from snacking and overeating. Water is your best friend when you’re attempting to lose weight and trying to stick to a healthy eating plan.

The mistake that many people make is that they excuse themselves from eating well because they work out. Did you know that losing weight comes from dieting and not working out? Exercise is how you can shape and tone your body and core. Losing the fat and weight will come from the calories that you feed it. If you continue to feed it too much then you probably will not see any results quickly.

The best way to stay motivated is by thinking about the results that you will have the next day if you are disciplined today. Remember that the events that happen today and tomorrow are an effect and not a cause. The decisions that you make are the cause, and everything that comes after that is an effect of how bad you want something and how much you’re willing to do to achieve that goal and get the body that you’ve always wanted.

Healthy Eating Plate

Healthy Eating Plate

A healthy eating plate is one that has all of the food groups incorporated into it. The big problem that most people have with their dieting is not getting the proper amount of nutrients in it, eating too much, eating processed foods and not drinking enough water throughout the day. A healthy eating plate consists of veggies, fruits, grain, fiber, protein, and vitamins. Of course, not all of this will be present in one meal or snack but having a percentage of these throughout the day will give you the daily intake that you need every day and that is enough to improve your health significantly with a very short amount of time.

I cannot stress enough the importance of water in your diet. If you do not drink enough water throughout the day it can easily result in overeating, in not getting enough sleep, mood swings, and improper hydration. When your body is not hydrated properly you will not feel and look you’re very best. Who doesn’t want to feel and look his best at all times? To ensure that you drink the correct amount of water every day, carry water bottles or a water thermos around with you at all times. This will really contribute to weight loss as well as being that it curbs appetite.

Self Discipline and Planning

The two most important things in losing weight and gaining health as well as seeing significant improvement are both self-discipline and planning out your meals. Without these two things, it’s very likely that you will not get the results that you want from this. Without self-discipline, you will not be able to stop yourself from eating. The key to losing weight and getting healthy is visualization. If you can imagine what you will look like tomorrow if you do not eat the piece of chocolate cake or the burger then you will not eat it. With that come beneficial rewards that you will later be very thankful for.

If you do not plan your meals ahead of time, you may eat anything that is in front of you and delay increasing your metabolism. To increase your metabolism it is completely necessary to eat every 2-3 hours. This will allow your body to start dropping the fat and increase the amount of muscle if you are also physically active. You will not get the results that you want if you simply work out and don’t restrict your diet. It is actually more important to watch your diet and eat less than have a rigorous workout routine. The exercise is fantastic for shaping and toning the body, but if you are eating whatever you want then you will not see any results.

That is why you should plan your healthy eating plate every day by carrying healthy foods around with you for those 6 small food portions. Have the water with you and if you do plan on working out, which you should start losing weight, carry a water thermos or water bottles around with you so that you can prevent yourself from either a snack, overeating and give your body the proper hydration that it needs to function properly.

Do not estimate your own potential in getting the results that you want. If you need to cut some things out of your life to focus on your weight then do so – this will give you the ability to stress less and focus more on what’s going to make you happy. Confidence is going to make you happy; without confidence, you will not pursue your dreams and remain ambitious in life.