Corporate Health Insurance

There are over seven million on people that are un-insured in the state of California. Most of them have been declined by multiple insurance companies and gave up on their search in finding health insurance. It seems like it is unfair system if you do not know what is available to you. I you have been declined by one insurance company in the state of California the chances are you will get declined by all of them. Most of the insurance companies use similar underwriting guidelines.
There is a way to get Health Insurance in the state of California without insurance companies even looking at your medical record. There is a way to get a guarantee issue plans from any insurance company of your choice without underwriting. It is also guaranteed that all of the pre-existing conditions and prescription drugs will be covered. It is even guaranteed by the state of California insurance commissioner that you will be guaranteed coverage and all of your pre-existing conditions will be covered, no exceptions… none. You might be thinking, well how much is that kind of coverage going to cost. The answer is not more than what you will be paying for a regular individual medically underwritten plan. If fact in most cases it will probably cost you less.
How can you get coverage like that? It is not simple process and it will require some work on your end. If you a kind of person that complains and procrastinates all the time, chances are you are not going to do anything and you still will be without coverage whining on how evil the insurance company are and that they do not want to insure you. The process is simple and might not be easy for lazy people. In the state of California all the group plans are guarantee issues plans. That means that you are accepted without medical underwriting. To have a group plan started all you need is two or more people. If it is a group of two which could be husband, wife, friends, relatives… and anyone who has a pulse. If it is a group of two one of them can be the owned and the second person in most cases must be on the payroll. That means that person must be W-2 employee. I can hear some of you might be whining that, do I have to do that?… Yes. Like I mentioned before if you are going to whine stop reading this and
keep doing what you were doing before. I have some one on the payroll is very simple process you can do it your self or you can get one of the payroll companies to do it for you and it can be as little as $39 per month for pay-roll company to do that for you. Next we need some kind of proof that you have some kind of business. It could be anything, no one cares. Say you sharpen pencils, make staples, watch snails, say you are in home couch tester, who cares, remember, no one cares. You can go to your county and get a business permit. It cost almost nothing and that will be a sufficient proof to insurance company that you have a legitimate business. Last thing we are going to need is a record from a payroll journal for the first month only to submit it to insurance company. Ask your accountant what that means. Since insurance companies will ask you for two primary things DE-6 form (Quarterly Wage Report) and some kind of business license, that’s it. It takes 3 month for you to get DE-6 (that is the proof that you have legitimate payroll) that is why you are going to need a payroll journal record for the past or current month. Some insurance companies will even accept a payroll stub.
The absolute best way to get this handled and get it all in place is to contact health insurance broker. Most brokers avoid small group like that, because the people who are trying to get group like that going are extremely difficult to work with. If you want to have insurance broker to get it all set up for you be cooperative and get the paperwork mentioned above in the timely fashion to them. Good insurance broker could be extremely valuable to you. If you would like to get more information or need assistance setting up a group plan see resource box below for more information.
Dennis Alexander – leading consultant for employer group and individual/family health insurance. Marketing consultant for major health insurance resource websites and brokerage firms online. Some of the websites consultant and/or administrator http://www.HealthCoverageQuotes.com and http://www.aaahealthcoverage.info
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With all the Health Insurance options that are available to us it can be overwhelming finding right health insurance plans for ourselves. There are literally dozens of companies with hundreds of plans to choose from. We have to agree that the main reason for having Health Insurance is to protect ourselves from large unexpected medical bills. So when comparing medical plans that is the main thing we should be looking at. Since IRS says that number one cause of Bankruptcy in the United States is medical bills, specifically medical bills that are over $17,000. We will keep that in mind as we will looks all the factors of selecting right health plan.
Before we get into comparing plans there are three main plan options to choose from: PPO (Proffered Provider Organization), HMO (Health Maintenance Organization) and HSA (Health Saving Account). The simple way to understand the differences is keep this in mind; PPO plans will give the greatest flexibility and ability to choose your own doctor usually from a extensive network of doctors. Most PPO plans have reasonable monthly premiums and usually have a hospital deductibles ranging from $500 to $5000. We will get in to deductible and how they work later on. The simplest way to explain how HMO plans work is to think of a gate keeper system. That means that you get assigned to a specific doctor or medical office (Primary Care Physician) that you have to go thorough to get authorization to get medical care. Most HMO plans comprehensive coverage, small co-pays to go see a doctor and low deductibles ranging from $0 to $1500. HMO plans tend to cost more that PPO plans. HSA plan is a relatively new concept and
becoming extremely popular. HSA plans work similar to PPO plan in a context that you can choose your own doctor from extensive list of providers. HSA plan have great advantages when it comes to low monthly premiums and ability to save money tax free for the medical expenses, in similar way to 401k or IRA accounts. The reason for low monthly premiums is that HSA plans have large deductibles usually over $2400. For more information on how HSA plans work and if it is a right choice for you visit www.GuideToHealthInsurance.org
Number one thing we should be looking at is what is called “Maximum out of Pocket”, also might be called “Yearly Maximum out of Packet”. What that means is that amount is the maximum you can be out of pocket in any given year for ALL the medical expenses combined. Most of the time that amount will exclude prescription drug coverage deductibles and co-pays. When you are comparing health insurance plans it is important to find out if everything in the plan is applied towards the “Maximum out Of Pocket. Some plans that have attractive monthly premiums might have exclusions to where “Maximum out Of Pocket” is applied only for the hospital stays. Most of the PPO plans have “Maximum out of Pocket” range from $3000 to $9000. For HMO plans “Maximum out of Pocket” ranges from $1500 to $4500. Most HSA plans have where your deductible is your maximum out of pocket.
Second we should be looking for a plan from a known insurance company name. There are a lot of large well established insurance companies that you might never hear of. Reasons for staying with a large well known insurance company are that you know they will pay your bills and not going to disappear. The other reason is that chances are most doctors will accept the insurance plan that they offer. I would definitely stay away from 99.9% of Association plans and small insurance companies with less than 10 billion in Assets. You can find that our by going to Forbes.com. To date largest insurance company that provides Health Insurance is Fortis and their health insurance plans are called “Assurant Health”. Largest health insurance provider in the United States is Wellpoint serving approximately 34 million members nationwide. We all know them as Blue Cross and Blue Shield. Keep in mind that in some states Blue Cross and Blue Shield are owned by two completely different insurance companies.
Third we will be looking at the deductibles. There is a huge misconception with how deductibles work. The number one misconception with deductibles is that nothing is covered by the insurance company until this large deductible is met. The reality is that most plans cover most of the things before the deductible is met with small co-pay. In most cases deductible applies only for inpatient and out-patient hospital (surgeries, emergency room). Second misconception is that once deductible is met everything is covered 100% or in case of hospital stay all we will be responsible is the deductible. Although some plans do work that way, most health plans do not. Majority of health plans you are still responsible for, what’s called co-insurance. That meant that you are still paying percentage of the bill usually 30% up to you “Maximum out of Pocket” as me mentioned earlier. That is why “Maximum out of Pocket” is more important that the deductible. For example if you have a plan with a 2500 deductible and 30% hospital co-insurance, then you are responsible for 2500 plus 30% up to “Maximum out of Pocket”. There are some plan today available that have no deductible and they are relatively inexpensive. Chances are those are the plans that have high “Maximum out of Pocket” in most cases over 7500 per person. In case of a family of four in worst case scenario you could be responsible for $30,000. If there is no deductible it does not meat that everything is covered at 100%. The way plans with no deductible work is by having you pay a percentage of the bill starting with the first dollar. Percentage could range anywhere from 30% to 50%, again up to your “Maximum out of Pocket” amount. The larger deductible you choose the lower monthly premium you will pay. My recommendation will be that you choose deductibles over 2500 unless you are planning on being admitted to the hospital often.
Fourth we will be looking at the prescription drug coverage. The reason prescription drug coverage is very important, because drugs can be very expensive. In the event of major illness or accident drug cost could be in the hundreds even thousands of dollars every month. Most plans do cover prescription drugs. There are few things to consider. First check if the plan has limits on how much the insurance company willing to pay for your prescription drugs per year. Most plans cover prescription drugs up to your life time maximum which should range anywhere from 2 million to 8 million. Some plans offer option where they will cover only generic drugs. This in most cases is sufficient. About 90% off all the brand name drugs have equivalent generic drug available. By choosing a plan that covers generic drugs only you can be saving a lot of money every month on you health insurance premium. Next you should be looking at the deductibles for the prescription drugs. In most cases if plans covers generic and brand name
drugs you will have a deductible for brand name drug before your co-pay begins. Most brand name drug deductibles range anywhere from $250 to $1000. Majority of the health plans cover generic prescription drugs right away.
Fifth we will look at annual physical exam coverage. Most plans cover physical exams once a year. There are few things to consider. First if there a waiting period before you can get insurance company pay for your physical exam. Second what is the maximum that insurance company is willing to pay for your physical exam? Last is what your co-pay to get a physical exam is.
Sixth we will look at the doctor visit co-pays. That means what is the amount that you are responsible for after witch insurance company pays for everything at 100%. There are some options to consider. Doctor office visit co-pay could range anywhere from $10 to $50. Some plan might have you pay a percentage of the doctor’s office visit. After witch insurance company is willing to pay at 100%. Second thing to consider is if the co-pay included lab work and x-ray. Most of the time Lab work and x-rays is billed separately. Company like Assurant Health is willing to pay up to $100 for your lab work and x-rays as part of your co-pay. One of the main things that most people look for in a plan is, how much is their co-pay to go to a doctor? Even though no one in history ever went bankrupt because they could not pay for their doctor visit. If you were to going to pay out of pocket for your doctors visit it will probably cost you anywhere from $45 to $100. The only way it is going to be more than that is of you had
sad lab work or minor out patient surgery done.
After reading this article you should have idea of what kind of plan you might want for your self and your family. The one additional thing that I would consider is how well your plan travels with you. For example if you decide to move to a different state or if you travel outside of the country. Most plans do not travel well and most don’t cover you if you are outside the country. I most cases if you can a plan in one state and you decide to move to a different state you have to cancel the plans in the state you are moving from and re-apply in the new state. Even if you had same insurance company in the state that you are moving from.
Dennis Alexander – leading consultant for employer group and individual/family health insurance. Marketing consultant for major health insurance resource websites and brokerage firms online. Some of the websites consultant and/or administrator http://www.HealthCoverageQuotes.com, http://www.GuideToHealthInsurance.org
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With individual health insurance, it certainly seems to be the case that you will pay more than you would have to for group insurance. This makes it all the more important that you compare the different options available. The best advice is to shop around until you get the right price for your needs.
What Other Options You Have
If you are considering taking out individual health insurance, then there are a number of questions you need to ask yourself. These questions are as follows:
* Does the policy cover the doctor’s bills?
* Is there a limit on the number of hospital stays, covered?
* Do you have to pay for services before the insurance pays you?
* How much do you have to have paid in premiums before they will give you a payout?
* Are accidents and emergencies covered by the policy?
* How far does it cover for long standing health problems?
You should never take on an individual health insurance plan before you are quite clear of the commitment on your part and what the benefits are. It is a mistake to take out health insurance and then assume what it is intended to cover. Just in case you have an accident and find out that you are not covered by your insurance for that. Another thing to consider is whether the plan includes visits to the dentist. If it doesn’t then you will need separate coverage for that.
Premiums are an important element of the insurance and may affect your decision on which individual health insurance plan you take out. Premiums for individual health insurance plans tend to be higher than group plans and there are times when premiums may be even higher. This is especially the case if you have existing health issues – for example you have a weight problem, or are a smoker.
Premiums are also likely to be higher if you have allergies or if you suffer from asthma. In each of these cases your premium is likely to be higher than if you were perfectly healthy with no history of any medical problems. This is because, if there is a problem with your health, you are a lot more likely to be an insurance risk than not.
Difficulty In Finding Individual Health Insurance
Some people do find it increasingly difficult to find health insurance to suit them because many insurance companies do not accept people who have a medical history that shows they have had problems in the past.
All insurance companies are different but if:
* You have a condition and have not consulted a doctor
If you have a health problem that your doctor cannot explain
* Or, if you have a health problem where you have not yet completed treatment
You are likely to be turned down for insurance. This is because an insurance company is there to make a profit so they really do not want to pay out unless it is absolutely necessary. People with chronic illnesses or people who are having current medical problems are a lot more likely to file a claim than those who don’t and insurance companies do not like that!
Short-Term Individual Health Insurance
It is possible to apply for temporary individual health insurance and this usually comes in most helpful for people who are working part time. This is because, when you change jobs or you go into working part time, you will not be offered the full group insurance in the same way as full-time employees.
Bear in mind that with temporary health insurance, it usually only lasts up to 36 months, at the most, but it in some cases the period is only 12 months. They do not take on anybody who has any current health problems, so you do have to be perfectly healthy and have no current or previous problems.
Overall, when finding the right health insurance to suit you, you really need to do as much research as possible and compare as many different plans as you can. This helps you to find the best price and coverage for you and you will know what is actually covered in your insurance. That will give you a peace of mind.
Summary:
Make sure that you know what is covered in your plan, that way you can have peace of mind knowing that you are fully protected.
Brooke Hayles
Check Out More Helpful Information About Individual Health Insurance For FREE!
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Keywords: individual health insurance, individual medical insurance, individual health coverage,

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You are willing to do all within your power to give your loved ones the best health insurance. However, you could use some savings if it does not expose your family. Here you have tips that will make a big difference on what you spend on health insurance (That is, if you use them).
You must take note of the fact that your health insurance rates are determined based on the risk an insurer associates with insuring you. While some of these risk factors are entirely out of your control, there are quite a few of them that are within your control.
Here’s one of such factors that you can control — Smoking. If your family has smokers, that is bad for your health insurance policy. Furthermore, you also increase the risk level of your kids by their exposure to second hand smoke. Although it can be difficult to quit smoking, the gains both in lower health insurance rates and otherwise are huge. You’ll usually get a discount once you’ve quit smoking for over 12 months.
A first aid box is something that is cheap but very useful especially where there are kids — It can help reduce fatalities. This really shouldn’t be an issue in this day and age. However, you must make sure your kids maintain basic health and hygiene rules.
Your family health insurance plan should exclude your kids in college. There are health insurance programs that are specifically made for them. However, make sure you know what the exclusions are. For example, such programs don’t usually cover pregnancy.
Quotes sites are resources that ensure that you make savings on health insurance not withstanding your profile or preferred health insurance policy. If you use insurance quotes site run by independent brokers (which I prefer and recommend), you’ll get not less than five health insurance quotes from A rated insurers.
All you have to do thereafter is simply compare their price/value. It a good idea to always read through and understand any contract you want to sign. This is also true about health insurance policies — Especially for your family. You don’t want unpleasant surprises when you make claims.
Visit at least three insurance quotes sites if you want to increase your chances of getting massive savings. All it will take is 15 minutes on the whole. You’ll have a broader basis for comparing quotes when you get health insurance quotes from many more insurers. You never can tell beforehand who’d offer the best rates.
Here are my favorite pages for health insurance quotes…
InsureMe Health Insurance Quotes
Health Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.
Chimezirim Odimba writes on insurance.

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1. If you want to reduce your health insurance cost then join a group health expense sharing plan. This is a situation where a group of individuals teams up to provide themselves health insurance coverage. They are usually associated with large organizations like churches. Rules and coverage types differ from group to group.
You can take out some time to find out such groups, know what they offer and see if they fit your personal needs. You’ll pay far less on health insurance if you get one that you can join.
2. You may qualify for Medicaid if you’re really finding it hard to pay for coverage. Eligibility rules vary from state to state. But the underlying rule is that you must be a low-income earner. You can still qualify even if you’re employed.
It could help reduce your health insurance cost if you or any family member qualifies. So find out from your state’s Medicaid program if you qualify.
3. A Sure-Fire Way To Pay Less On Your Family Florida Health Insurance Plan…
You’ll save much if you will shop around by visiting quotes sites and doing detailed comparison. Getting and comparing quotes from not less than three quotes sites raise the chances that you would make more savings.
The plain reason for this is that you’ll obtain a greater number of quotes from a wider range of insurers. This provides you a broader basis for doing better comparisons thereby increasing your chances of getting more for less.
Here are my favorite pages for health insurance quotes…
InsureMe Health Insurance Quotes
Health Insurance Quotes
Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.
Chimezirim Odimba writes on insurance.

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How to get health insurance is a common question that arises in the mind of an individual who contemplates to buy health policies. The first thing, people need to do is, make a study about the different types of health plans and policies available. Hence, to start with, there are four basic types of health insurance policies available.
The first type of plan is indemnity plan. Indemnity plan allows people to select their own doctors. In this plan, insurance companies pay up all the cost of medical expenses, if individuals are hospitalized. Indemnity plan is the most flexible of all the health insurance plans. However, this plan is also the most expensive amongst all plans and involves a lot of paperwork.
HMOs, PPOs and POS Health Plans:
Second type of plan is HMO (Health Maintenance Organizations) plan. In this plan, individuals have to pay monthly insurance premium. It enables people to seek treatment from different hospitals located anywhere in the country. However, these hospitals or clinics need to be in list of hospitals that insurance companies provide.
In this plan, individuals can choose physician of their choice but that physician needs be working in one amongst the hospitals mentioned in the list. HMOs are restrictive sort of health plans but are affordable. In this plan, individuals have to pay low insurance premiums.
PPO (Preferred Provider Organizations) is another plan where, individuals have to pay monthly insurance premiums to avail treatment from the network of doctors and hospitals. In PPOs plan, people may choose their own doctors or choose physicians from the network. Nevertheless, if individuals are choosing their own doctors, they will have to pay extra premium each month.
Next type of plan is POS plan (Point of service). POS plans are the amalgamation of HMOs plans and PPOs plans. Here, individuals need to select their physicians from the list of doctors as provided by the insurance companies. However, people may select any other doctor which may not be present in the list, without having to pay extra premium.
How to Choose the Best Plan:
After the in-depth study of these health insurance plans, people need to obtain quotes from different health insurance companies. For that purpose, they may approach any of the local health insurance agents. These agents work either for different health insurance companies or for a single company.
However, people need to approach those agents, who work for different companies. The reason is, such agents will be in better position to provide quotes of several companies. Individuals may also log-on to health insurance web sites and select the questionnaire form. Fill in few personal details such as health information, job status, address, and contact numbers and so on. Submit the form and people will obtain quotes of different top rated insurance companies in a matter of seconds.
Compare different quotes and choose the one, which offers best rates. While selecting the plans, people need to see if the chosen plan covers features that they need. Check the co-pays, premium rates, deductibles and so on. Thus, people need to compare the features and select a plan that fulfills all their needs. Isn’t the procedure of how to get health insurance plans simple enough?
You can get started right now by getting quotes using the following resources.
Ian Wright wants everyone to be able to get the health insurance coverage that they need. So to help he has created pages on how to get the cheapest health insurance quote and free health insurance quotes.

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The right health insurance plan can be beneficial for you and your family, and one can choose from an array of plans offered by various insurance companies. Choosing the best insurance plan is not easy, as most plans differ in their payment and services one needs. Although a single plan might not pay all the costs associated with your medical expenses, most plans provide insurance against common medical expenses.
Health insurance plans can either be indemnity or managed care, and differ in choice of providers, out-of-pocket costs for covered services and how the bills are paid. Although indemnity plans offer more choice of doctors, hospitals and other health care providers than managed care plans, the latter plans usually have agreements with certain doctors, hospitals and health care providers for services to members at reduced cost. Both plans have benefits, as a managed care plan has less paperwork and lower out-of-pocket expenses, while indemnity plans provide a broader choice of health care providers. However, these days, the difference between the two plans is getting blurred, with some indemnity plans offering managed care options and some managed care plans giving members the opportunity to use health care providers other than the ones in the plan. Thus, it is imperative for an insured person to understand his health plan properly.
After reviewing the basic benefits provided by different plans, one should also compare the policies on the basis of services offered by the insurer, choice of health care providers, location and cost. Before choosing a plan, one must look at the services offered by each plan, the services excluded from the plan, the doctors, hospitals and other medical providers that are part of the plan, whether the policy cover the fees of specialist doctors, whether the hospitals or care providers are near your place of work or home, what is the total expense covered by the plans, etc.
Health insurance policies are an excellent way to plan for any unexpected health expenses; however, while buying a policy, one should compare the plans carefully and should choose a plan that is most suited to his needs and budget.
Health Insurance Plans provides detailed information on Health Insurance Plans, Individual Health Insurance Plans, Compare Health Insurance Plans, Family Health Insurance Plans and more. Health Insurance Plans is affiliated with Health Insurance Online Quotes.

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After Tesco health care launched a new offer promising up to 25% off the first year premiums. The big question is do children really need health insurance cover or are insurance companies just playing on the fears of parents.
This is always one of the biggest selling points for any health insurance policy offering peace of mind if the worst was to happen, so this is obviously a big factor for any parents thinking they need to get health insurance cover for their children.
So what is out there for any parents looking into getting private health insurance for their children? There are just as many health care plans for children as there are for adults, as with most health insurance plans the big advantage is the option of choice. If your child was to fall ill or needed an operation, with the right cover you will have a choice of hospitals and time frame for which your child can get the relevant treatment he or she needs.
It is true that all this can be found on the NHS but if you can afford the best care for your child why wouldn’t you? One major reason may be, how many children need serious medical care, and even if they do need it more often than not the NHS well have more than adequate medical care for your child.
Taking for example the Tesco health care deal for children, what is available for those who apply for it? According to Tesco, the insurance offers fast access to medical professionals for private consultations, tests and diagnoses. Private treatment is also covered in case a child needs surgery and cannot be treated within six weeks on the NHS.
The added bonus with the Tesco cover is that the child cover is not part of a family cover plan, meaning that any medical history to do with the parents, will not affect the cost of cover for your children. Jeremy Sutton, head of Tesco Health Insurance, said “parents do not need to include themselves in the cover and that the policy does not carry an annual maximum limit on claims.”
So the simple question any parent needs to ask them self is does my child really need health insurance? Well it could all be put down to just how much do you trust the NHS, many parents will have been bombarded with stories to do with superbugs and post code lottery its enough to put off any parent going to the hospital.
The NHS is by all means equipped to care for your child if he or she was to fall ill, but the thing is if you believe private health insurance is good enough for you then surely it is good enough for your children. There are many companies offering comprehensive health insurance for children.
Seamus has more articles pertaining to health insurance.

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Many a healthy person has woken up one day to find he/she is afflicted with a stroke or cancer.
Many individuals are succumbing to illnesses on a daily basis, in spite of the fact that there is health insurance available that is within their means. People need reasonably priced health insurance to help cover them against economic and financial pit-falls and also provide that much needed peace of mind. The saddest truth is the fact that the majority of the populace harbor habits that are detrimental to health like gobbling all the unhealthy and junk foods, drug abuse, smoking, lethargy and substance abuse.
Health care cost is always and will always be a step ahead of people’s wages. The high price of often sophisticated and mostly complex medical diagnostics and treatment recommended by doctors give many people second thoughts before going to the hospital. Majority of us wait till the last moment when the disease has taken toll and is beyond control. This reason is enough as to why every one needs inexpensive health care insurance cover.
Reasonably priced health insurance is a good way to guard oneself against emergency cases of diseases and other illnesses. This assures one that if anything happens, affordable health care insurance is there for them.
Health insurance comes in many forms and packages by many providers, but people are advised to select the best available, affordable health insurance package they can find because the different providers have their own different packages priced differently. Some reasonably priced health care insurance cover programs come with premium offers that may happen to be lower priced than others. You are therefore advised to go for a health care insurance program that suits your individual situation and weed out those health insurance coverage programs that provide packages you do not really need.
When selecting health care insurance programs that are within your means, you ought to consider the duration required to pay for the health insurance plan. Keep in mind that there exist health insurance programs only applicable for a fixed duration and nothing more; this could be 30 or 40 years. Other health insurance programs are lengthy and may extend until an individuals death. Extra payments should also be put into consideration when selecting an affordable health care program.
Managed health care plans are reasonably priced and are pre-arranged and do work with hospitals. Some individuals may prefer this kind of kind of inexpensive health care insurance. This kind of coverage is is time saving and requires little effort because it includes physicians and hospitals to be affiliated with them. Some people may however prefer other forms of inexpensive health coverage plans that over flexibility sufficient to allow them seek treatment from their personal doctors and go to hospitals they prefer.
Be extra cautious when selecting among these different affordable health care programs. Choosing bad one will drain your funds and time. Take your time to study the various options available before making up your mind on which one ideally works best for you without provoking a financial nightmare in your wallet.
Abhishek is a Health Insurance expert and he has got some great Health Insurance Secrets up his sleeves! Download his FREE 39 Pages Ebook, “Health Insurance And Health Savings Account Made Easy!” from his website http://www.Health-Whiz.com/196/index.htm. Only limited Free Copies available.

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