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4 Mistakes to Avoid When Purchasing Health Insurance

Health insurance protects you from unexpected, high medical costs that cover things like vaccines, screenings, check-ups, prescription drugs, emergency services, rehabilitative services, and so on. There are many options for health insurance, including Aetna Medicare Insurance, Cigna Medicare, Humana Insurance Plans, Mutual of Omaha—there are different layers of Medicare, ranging from affordable Medicare with less coverage or more expensive Medicare with more coverage. There are many common mistakes people make when purchasing health care, so read on to know what you should watch out for:

1. Not knowing what’s covered
Oftentimes, individuals purchasing health insurance don’t consider what each of the policies cover, when you can use each policy, and what you may have to pay for yourself. There are limitations on what is covered, and without doing the proper research, you may be left paying for a lot of healthcare situations out-of-pocket, leaving you wondering if you choose the right plan.

2. Not having enough coverage
As your life changes, minimal health insurance coverage probably won’t cut it. If you buy a home, get married, have children, etc., your income and budget will change, and so should your healthcare plan. Be sure that you have the right amount of insurance for your specific needs, and do it sooner than later. You’re more likely to get approved for higher coverage when you’re in good health, so don’t wait, and it will bring you some peace of mind for the future.

3. Hiding accurate medical history
Many individuals think that by concealing their medical history out of fear of higher premiums or being rejected. However, health insurance plans are built on the good faith in the information provided, and by lying or hiding something, you risk being denied insurance claims later on. While disclosing medical history may result in a slightly higher premium, it will prevent the possibility of future claim rejection, so save yourself the trouble and be honest. 

4. Investing in health insurance only during old age
Contrary to popular belief, health insurance is not just for the elderly. A medical emergency cannot be predicted, and being young doesn’t exclude you from any potential issues. By investing early on, you can avoid any wealth erosion by having to pay out of pocket for medical expenses. In fact, policies for those under the age of 45 often are easy to obtain and have a lower premium payment.

An alcoholic beverage is any drink that contains more than a minimal amount of ethanol or ethyl alcohol. This is achieved by a process called fermentation, which is the natural result of yeast digestion of the sugars found in ingredients like fruit, cereal grain or other starches. Almost any source of sugar and yeast can produce alcohol. An alcoholic beverage, a depressant when consumed in low doses causes euphoria and sociability but when consumed in high doses causes intoxication, stupor and unconsciousness. Long term consumption of alcoholic beverages can lead to alcohol abuse, physical dependence and alcoholism.

Tiny traces of ethanol may be present in non-alcohol beverages, including juices. Some beer, wine and spirit drinks although designed to look and taste like alcoholic beverages, contain very little ethanol in them and are hence termed as ‘non-alcohol beverages’.

Alcoholic beverages, although recipes vary are broadly classified into three categories:


  • Beer:

    It is typically made with barley that is sprouted and roasted, cooked with water, fermented with yeast and then flavoured with the flowers of the Hops plant.

  • Wine:

    Wine is made from grapes and sometimes other fruits that are made into a juice and then fermented.

  • Distilled Spirits:

    These are made from grain, fruit or other sugar sources that are first fermented and then distilled in a heating and cooling process that concentrates the alcohol.

Alcohol is one of the most widely used recreational drugs in the world. Archaeologists have discovered Stone Age jugs that have lead them to believe that fermented drinks existed as early as the Neolithic Period (10,000 BC). Animals also react similar to humans when they consume alcohol.

Health Effects:

Alcoholic beverages have been classified as a Group 1 Carcinogen. Studies show that alcohol consumption can cause cancer in the female breast, colorectum, larynx, liver, oesophagus, oral cavity and pharynx. It is a probability that alcohol is also the cause of pancreatic cancer. Alcohol in carbonated drinks is absorbed faster by the body than alcohol in non-carbonated drinks. The short term effects of alcoholic beverages include psychological effects on the user, a flushed appearance in the face, lethargy, sedation, balance problems, blurred vision, respiratory depression and pulmonary aspiration. The long term effects of alcohol on the body includes increase in the risk of heart disease, stroke, atrial fibrillation, reduce in life expectancy, cancer, liver cirrhosis and alcoholism.

Uses of alcohol:

Alcohol can be used as aperitifs and digestifs, the former is used to serve before a meal to stimulate appetite while the latter is used to improve digestion after a meal. They can also be used as flavouring agents in making stocks and for braising and are also a source of food energy as many of the alcoholic beverages contain carbohydrates. The laws on alcohol regulate the manufacture of alcoholic beverages, thereby seeking to reduce the adverse health effects and social impacts of alcohol consumption.

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There’s just something about a classic pick up truck. As far as stature and power, the following trucks led the way as far as impressive styling, engine power, hauling and off road capabilities that, no doubt, inspired the design of many pickups on the road today.

Here’s our list of the six most tried and true pickup trucks in history:

1. Ford Baja Bronco

When I was a kid, all the cool teens had a Ford Bronco, but those with a limited edition Baja Bronco were king of the road. Why? As far as off-roading capabilities, the Baja offered a powerful 302-cid V8 paired with a C4 automatic, plus drivers got a impressive boost due to the high cut rear wheel wells and flares, which left ample room for huge tires. The Baja screamed daring adventure roll cage and special enhancements made to offer heavy-duty suspension.

2. Ford SVT Raptor

Ford longed to take their classic F150 off-road, but it took until 2009 for them to create the Raptor, a pick up that offered smooth driving and handling and four-wheeling on even the most extreme desert terrain. Not to mention, this truck could haul an 8000-pound trailer. No problem! Offered in a SuperCrew cab and SuperCab configuration, the Raptor also featured a 4WD system based on the standard F-150, plus urethane bump stops and internal-bypass Fox Racing shocks, which allowed for smooth-riding suspension over the roughest roads and highest jumps.

3. GMC-Chevy-Napco

More of a conversion kit than a model truck, Napco (otherwise known as the Northwest Auto Parts Company) made up for the fact that 1950s pickups didn’t come in 4WD (opposed from Dodge). So Napco designed a 4WD offered a conversion kit that let Chevy, Fords, and GMC owners get the 4WD power they longed for. By the year 1957, pick up manufacturers finally caught on and began installing Napco Power-Pak 4WD conversions on their assembly line pick ups.

4. Dodge Ram

While GM and Ford enthusiasts may have issue with this truck, one can hardly match the ruggedness of the Dodge Ram of the early 90’s with it’s Cummins diesel engine. In fact, you can still witness the impact of this redesigned Ram on many GM and Ford trucks to this day, with it’s “big rig” styling.

5. Ford F-250 “Highboy”

Prior to the Ford F-150, the Highboy was king of the Ford pick up empire. A tough-as-nails truck renowned for it’s ultra-rugged driving capabilities on any terrain, the Highboy was named for its sky-high frame and 35-inch tall tires that was inches taller than any Jeep, Dodge, or GM on the market. After 1977, the Highboy was considered a “Lowboy” as it was constructed at least 2-inches lower, which is why the original pre-1977 model is now considered a collector’s item.

6. Rod Hall Signature Edition Dodge

When a celebrity race car driver pairs up with an auto manufacturer, sometimes the results can be disappointing, which was sort of the case when Rod Hall collaborated with Chrysler to birth the Rod Hall Signature Edition Dodge pick up truck. Only 33 of these beauties were made, and despite the Dodge Ram 150 base design, bed-mount light bar and driving lights, and slick pre-runner front and rear bumpers, for some reason Dodge plopped in a whimpy 318-cid V8 with only 170 hp. Despite the fact, this truck continues to be a collector’s item among pick up truck buffs.

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The pickup truck is synonymous with America. It’s tough. It works hard. And it has no problem getting dirty to get the job done. This is likely why the pickup truck continues to be among the best selling vehicle in North America. Regardless of if you’re part of team Dodge, Ford, or Chevy, you know that owning a truck offers a truly unique driving experience compared to any sedan, small compact, or even an SUV.

Here are our top reasons to super-size your driving experience to a pickup truck:

1. Tons of room

If it’s room you desire, ignore any desires to buy a sleek, compact car and turn to a pickup instead. Seriously, a recent Chevy Silverado offers ample legroom and cargo space for a comfortable daily commute or road trip because who wants a leg cramp to start the work day. Passengers can literally stretch their legs out in a roomy four full pickup truck with ample room for tools and everything you need.

2. Safest drive on the road

Perhaps power and hauling capabilities are your biggest concern when thinking about pickup truck ownership. However, believe it or not safety is a huge benefit of pickup truck ownership. positive! Think about the safety features built in to most full-size trucks—you get a caged cab, vehicle stability, safety seatbelt systems, side impact protection, and even trailer sway control already built into your vehicle.

3. Towing capacity

Sure, if you own a pickup truck you kind of open yourself up to helping every single person you know move house. However, when it comes to hauling your own stuff, you can’t go wrong with a pickup truck. Take a truck like the Chevy Silverado for example, you can suddenly haul up to 12,000 pounds no problem thanks to the impressive torque and horsepower. Suddenly your vehicle can easily transition from work truck to off road camping vehicle of your dreams.

4. Look at that view

If it’s a boost you want, a pickup is your best bet when it comes to the best visibility on the road. The height of a standard pickup truck cabin permits a view over most other vehicles on the highway. Is that a traffic jam 6 blocks ahead? Luckily, you’ll be able to see it and take a quick detour if you drive a pickup. Not to mention, the cab of a pick up offers the driver and all passengers all-round visibility, front, back and side thanks to huge rear and side-view mirrors.
Leading us into the next reason why trucks are such great vehicles.

5. Feel the power

Putting aside all jokes about overcompensating, there is little doubt that many individuals choose to drive a pickup for the sheer power it offers. While Ford, Chevy, and GM differ as far as horses under the hood, most current trucks offer between 350- to 440-horsepower (hp) if you consider a Ford F-250 or a Dodge Ram.

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Pickup trucks represent the American dream. And while car buyers have vered from SUV to sports coupe over the past few years, pickup truck buffs tend to harken to the past when it comes to sticking with their love of the classic pickup truck. Many of the following classic trucks in good condition sell for a pretty steep price among collectors.

Here are four of the most coveted collectible pickup trucks:

1. 1966-1977 Ford Bronco

Considered neither a car nor a truck, the Bronco was unique as far a broaching the needs of both a car and a truck driver, which explains it’s motto “the best of both worlds”. This cube shaped truck debuted for 1966 in rudimentary form for a mere $2400 (base model). However, it was the impressively wide (at 92-inches) wheelbase that offered serious off roading, smooth highway driving, and extreme towing capabilities in a single vehicle. Touted literally as a sports car with 4-wheel drive, the Bronco was mounted on coil springs and outfitted with a V8 engine that could literally take drivers from camping to off roading while offering the style and comfort of a family wagon. Today, this year range of Ford Bronco retails for $25k plus.

2. 1948 Ford F-1

Behold the inaugural Ford F-series pickup. Think of it as the crown of America’s trucking obsession. Considering this Ford series has ranked in the best-selling for decades, many pickup truck owners are still firmly planted in the Ford camp thanks to this very vehicle. If you’re lucky enough to find a 1948 Ford F1 for sale, you can expect to pay upwards of $30K depending on condition and customizations.

3. 1946-1968 Dodge Power Wagon

Looking at this truck, there’s little wonder that it was originally designed in the early 1940’s for military purposes. However, the Dodge Power Wagon caught on in the mainstream market due to its ability to travel virtually anywhere. The impressive 4×4 capabilities of this truck was so good that it there were no revisions until it was discontinued in 1968. If you spot one, expect to pay $45k or more!

4. 1971-1972 Chevrolet C10/C20 Cheyenne Super

It was called the “Super” for good reason. This high-option, everyday use pickup truck boosted unique interior design with a/c, tach dash, power brakes and steering, headliners, and tilt columns. Plus, the exterior could be costoumize with special paint and trim. Find one and expect to pay up to $30k for a model in good condition with lots of options.

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