Buying yourself some ‘value’? + Buzzcoin revisited

June 4, 2019 by  
Filed under The Fitness Bug

First…

You all know we’re an S-curve Xperience today. A platform for everything that goes on, under one roof.
 
It’s an acquired taste of living @ life on plant earth.
 
And because we are a platform.
 
The things that are on offer within S-curve world. Stretch beyond a program that allows you to Become S-curvish and the benefits from becoming so.
 
'Soft lean' bikini-curvish moments @deboramirtes
‘Soft lean’ bikini-curvish moments @deboramirtes
 
Now…
 

In terms of the price of ‘things’.

 
For the most part. When you see something labelled with a ‘high’ price tag.
 
It usually means that there is increased value, within whatever that thing is.
 
With the S-curve program that allows you to Become S-curvish. The price goes up. Simply because there’s access to unlimited 121 coaching chats.
 
Because the more we communicate. The better and faster results you get.
 
It’s been proven too many times already @ link above/behind Debora.
 
That’s just one example.
 
And if you’re reading this. This probably isn’t news to you. But everyone does need a reminder from time to time.
 
Especially when you’re not a huge brand, like Ferrari or Apple.
 
In which case… For us…
 
It means building up trust with you, over time. So that in YOUR head. It doesn’t even become a question. In regards to how much you pay for something.
 
It could be…
 
> Stuff from the Amazon page
> Stuff from the Supplements page 
 
'Coming up for air' for an S-curve #workout @clara_lindblom
‘Coming up for air’ for an S-curve #workout @clara_lindblom
 
– If you’re a business… A placement on stayfitbug.com
 
So keep on lapping up everything that you see. Across all of our social media profiles and websites.
 
As it’s the S-curve Xperience. Seen in all it’s glory.
 
 

Buzzcoin revisited

Gosh… It has been a minute since we talked about this.
 
But fast forward 6 months. And we were right.
 
The blockchain and cryptocurrency industry has indeed evolved.
 
So yes… In time. We’ll start to apply elements of the blockchain shenanigans. Into relative parts of the S-curve Xperience.
 
We already have some ideas.
 
But as usual. You’ll see official announcements via these newsletters.
 
And for those of you who have been interested in boosting your personal income, via the S-curve Xperience.
 
Then you would have already done that, if you invested into bitcoin (Or another cryptocurrency) 6 months back.
 
As the price has since tripled.
 
Just remember though. That investing and trading in that area. Is something that we’re not ‘super’ experts at.
 
But we do have personal experience with it.
 
And a strategy that makes sense. When living the S-curve Xperience.
 
All of which… We discuss in 121 chats ONLY.
 
Which is free to do with us.
 
All that’s required. Is that you sign up to the following 2 websites. Via the links below.
 
> Here 
 
And > here too
 
Newsletter done!
 
Leave a comment below. Or slide into the DM’s via the blue button in the bottom right side of this page.

The latest

 

 

Change… Fear… Fear of change/success (Within S-curve world)

June 1, 2019 by  
Filed under The Fitness Bug

‘Change’… Or lack there of, in your life…

Become 'Soft lean' #bikini-curvish @deboramirtes
Become ‘Soft lean’ #bikini-curvish @deboramirtes
If you’re reading this… I KNOW you want something to change.
 
Unfortunately… For this to truly happen to most of you. You need to be pushed into ‘change’. Usually by an unfortunate event.
 
It could be an injury. A job loss. An end to a relationship.
 
And it’s usually quite a painful process.
 
Which is what the > Going deeper post was for.
 
Fortunately for you though. We’ve taken all the hits on the chin @ doing all this shit for an entire decade (10 year anniversary in July @ see > archives).
 
So we’ve seen all the trial and error. Knows what works and what doesn’t.
 
The upside of all the change that does happen. Is that you’ll start to succeed, even more than YOUR wildest dreams.
 
There’s an emphasis on the word YOUR (Because a lot of people want things @ making every part of the S-curve Xperience more awesome than the norm).
 
Because a lot of you might be selling yourself short.
 
Aka scared of success.
 
There’s a lot of varying factors at play. Most of which we discover via our 121 chats.
 
Just know… That when you get deep into the S-curve Xperience. Change is guaranteed!
 
 

Talking of change…

 
Part of why all of what we do, ‘works’. Is due to the rise of being able to access your shit from anywhere.
 
  • Music? Spotify
  • A place to stay? Air bnb
  • Watch videos? YouTube 
  • Chat? Whatsapp, Viber, FB Messenger
  • Access the Internet? – Pocket wifi and countless hot spots when in the city
 
All of that… Enables ALL of us to:
 
  • Earn from anywhere.
  • Become S-curvish from anywhere.
  • Work from anywhere (See side bar on the right).
 
 
And best of all… Gives us more free time and less stress.
 
Both which… Is causing you you to have issues in your life. Because there’s currently not enough time or too much stress.
 
 

Parts 1-4 of the S-curve Xperience.

 
Everything is formulaic. And we’ve been building and improving upon it, year after year.
 
 
There’s still some issues though… 
 
There always will be some @ all parts of business and life.
 
One issue that we have. Is communicating with you in your language @ those of you who speak Portuguese, Spanish and French.
 
Google translate is our current day option for that. Especially for those of you who we speak to face to face.
 
Since the mobile app let’s you speak into the device. And spits out what you say, in any language that you want it to.
 
But one other area where we can nail this issue Is the supplement pages. Like these…
 
> Prime male page
 
> Lean Bean page
 
Because the page can be translated into your language. Even the videos.
 
And with supplements. It’s pretty easy to make a purchasing decision. Because what you see is what you get.
 
In fact… That’s one of the rules for buying supplements. As we encourage to buy and try. In small amounts 1st.
 
The S-curve 'explained' @ read the fudging description under the vid behind this pic @eujessicadourado
The S-curve ‘explained’ @ read the fudging description under the vid behind this pic @eujessicadourado

 

To conclude

Fear… Change… Fear of change…
 
All of this is a topic ‘today’. Because we can see that these are the only real things that are causing you to have issues in your life.
 
On that note…
 
Read the description, under the following video.
 
You’ll see why, when you get there.
 
 

THIS… Is what the S-curve Member Partner Program and ‘Motivation’ is 

May 30, 2019 by  
Filed under The Fitness Bug

It’s been a crazy week here, behind the scenes.

 
Out and about. Meeting 1-5 people daily. In all kindsa places…
 
shangri-la
Shangri-la
 
@ Working from anywhere… Everywhere.
 
And one topic that came up during various chats.
 
Is the fact that the Travel-curvish 2.0 trips… Is what causes folks to move off their ass and Become S-curvish. More than the actual 121 coaching chats.
 
Why that is so?
 
Well… No one looks forward to ‘hard work’. Which is what’s required for 1-3 months. In order to Become at least 60% ‘soft lean’ S-curvish…
 
Standing 'soft lean' #bikini-curvishly @rosaiiriisss
Standing ‘soft lean’ #bikini-curvishly @rosaiiriisss
 
But everyone does look forward to seeing themselves in those awesome TC2.0 destinations.
 
TC2.0 = @cavotagoomykonos @michutravel
TC2.0 = @cavotagoomykonos @michutravel
 
And for all of you involved here. Just remember that the goal… Is to make every morning… Better than the prior.
 
And if you become an S-curve member partner. That is something that is taught into you. Which of course… Leads to making you a better partner.
 
You’ll succeed as a partner. Because you’ve been through the process that took you to 60-100% S-curvish. Using the S-curve program/Formula.
 
Which is the same mindset and teachings. That’ll turn you into a successful partner. In regards to the process of ‘winning’.
 
The actual partner stuff…. That is of course, different knowledge and info.
 
Because there’s no workout or nutrition shenanigans involved.
 
This can’t be taught via a member page or even a blog post.
 
It can only be effectively taught via 121 chats**.
 
So yes… There’s been a lot of conversations in regards to people becoming S-curve member partners.
 
And although the public instructions are vague, in regards to becoming that.
 
One thing that you can do right now. Is to:
 
– Start embracing the S-curve Xperience. 
– Take GREAT pics and vids, of you doing so.
– Post them to your social media profiles.
 
And if we like what we see. We’ll repost all of that content for free. Which gives your profiles a significant exposure boost. Where you…
 
1. Bring more attention to whatever it is you have going on in your life.
 
2. Your S-curve member partner program link. Where of course. You get up to 75% commission from each person that becomes a member.
 
Just remember though…!!!
 
Tis the S-curve Xperience. And around ‘ere. We bring all of our people closer together.
 
Improving relationships and happiness levels across the board.
 
And a common scenario that happens here. Is that we spend some of those member payments, on TC2.0 trips. With those members.
 
Which also encourages everyone to remain as members.
 
THAT vibe… Is what the S-curve Xperience is all about.
 
 

To conclude

As usual… Everything that happens. Ends up on this newsletter/Blog post.
 
It’s how we keep the S-curve Xperience 100% real and relevant to YOU!
 
Online… We do that with the help of your comments and 121 chats. So comment below. Or more commonly… Send a direct message via the blue button (Bottom right if this page).
 
 

The latest

At which point. You > Feed the monster (Body/Butt) S-curvishly

 

The platform is ‘Us’

May 28, 2019 by  
Filed under The Fitness Bug

First 

You all now know that we’re an S-curve platform now.
 
> http://www.stayfitbug.com/the-fitness-bug/the-state-of-the-s-curve-may-2019/
 
Which means…
 
1. You get to shine in more ways than one @ read this post.
 
2. More people (Who aren’t necessarily after an S-curvish bod) get to shine within our world. Namely biz folk.
 
So if you’re enjoying the S-curve Xperience. One the best things you can do. Is to invite your people to this newsletter and/or social media profiles.
 
Because all of your lives will go this way ↗️… For both of you.
 

Second 

The desire for the S-curve has returned.
 
What I mean is…More questions have been coming in from YOU. Asking us how to go about achieving an S-curvish body….
 
 
Of course… This is the page you need to go to.
 
> https://www.scurveandbuttfitness.com/product/become-an-s-curve-member
 
To answer that question.
 
But that’s not what you really want to hear.
 
And… That’s not what will help you much either. In the way that you and I know you want to be helped.
 
When the question is truly coming from the heart (We always know when). The 1st thing we’ll tell you to do. Is to chat with us 121 via Messenger.
 
Why?
 
Because that’s what always takes people’s results to the top.
 
Because that’s where the daily 121 coaching chats happen.
 
You become what you think about and are surrounded by the most. Hence…
 
 
When the question is a little more passive. Then it’s all about sending you to the supplements page.
 
> https://www.scurveandbuttfitness.com/product/a-guide-to-using-supplements-within-s-curve-world
 
Because it means you’re not THAT serious.
 
Which means… You need something super simple to apply to your life.
 
That’s the page that will give you ‘simple’. You’ll see why when you get there. And of course… When ALL results types kick into gear.
 
 

To conclude 

 
Done!
 
Reply with what’s on your mind. Because that’s what will end up on here. Wether you’ve been meet on or offline!
 

What’s hot in S-curve world? (Q2 2019)

May 26, 2019 by  
Filed under The Fitness Bug

It’s RECAPO time! And time to highlight all the important aspects of S-curve world right now.

 
We have to recap… Because life sometimes feels like a blur.
 
So we need to slow things down and come back down to earth.
 
Which is of course, one reason why we embrace Travel-curvish 2.0 trips.
 
Anyway… Let’s get into it!
 
 

1. Get yourself posted!

'Soft lean' #bikini-curvishly seated @zoeealexandra

‘Soft lean’ #bikini-curvishly seated @zoeealexandra

 
Yup…
 
This of course, happens on a wide scale, via our social media profiles.
 
All of which, you can see on the right side of this page @ this section…
 
 
 
You…
 
  • Become 60-100% S-curvish via the main S-curve program and/or are already S-curvish. To then… Get posted in bikini/OOTD/OOTN attire.
 
  • And/Or… Pics of YOU living life S-curvishly. Like…

OOTD-curvish Krispy Kreme moments @domiwaffles

OOTD-curvish Krispy Kreme moments @domiwaffles

 
 
  • You’ll gain extra exposure because of it. And on your own profile. You can encourage others to start the S-curve program (Which you’ll get a commission from doing so).
 
Note: Our goal here… Is to spend those earned commissions, with those friends who become S-curve members. Ideally on a Travel-curvish 2.0 trip.
 
Or simply embrace all extra exposure to whatever you have going on in your life, on your profile.
 
You can even do this via stayfitbug.com via a website blog post.
 
There are of course costs involved with that. Which you can learn more about, when you email directly via mailus@stayfitbug.com.
 
 

2. Travel-curvish 2.0

The following recent post, has been labelled protocol content…
 
> http://www.stayfitbug.com/the-fitness-bug/may-10th-newsletter-2019
 
So dig into that.
 
But this is still the thing that most of us look forward to.
 
It’s arguably a stronger motivation/goal setting/habit building tool, than the main S-curve program.
 
So we will continually and consistently highlight this part 4 of 4 of the S-curve Xperience.
 
 

3. The supplements page 

 
> https://www.scurveandbuttfitness.com/product/a-guide-to-using-supplements-within-s-curve-world
 
You simply need to…
 
A) Bookmark it
B) Learn, buy from it 
C) Revisit it over time
 
Do that… And you’ll never look or feel less-curvish, ever again.
 
 

4. Becoming S-curvish and the partner program 

> https://www.scurveandbuttfitness.com/product/become-an-s-curve-member/
 
I’m personally on the ground, getting people together for all the partner program shenanigans. @ meeting 1-5 new people, every other day.
 
It’s mostly getting folks to do, what I was doing back in 2016.
 
Which is…
 
  • Running people through the S-curve program.
 
  • Getting their people involved. 
 
  • Improving happiness levels amongst everyone… Resulting in TC2.0 trips and/or more exciting daily life shenanigans @ part 3 of 4 of the S-curve Xperience.
 
 
It works… Because friends trust friends that are doing things that they believe in. And more importantly… Because it gets results.
 
 

5. The items page 

> https://www.scurveandbuttfitness.com/product/s-curve-experience-items/
 
It hasn’t been updated much in recent times.
 
But that’s a good thing. Because we only ever add new things, when something that has truly help us… Comes along.
 
With the most recent addition being this solar power bank.
 

Hobest solar

Hobest solar

 

 
If you have anything to add @ awesome stuff you currently use. Feel free to share that with us. And we’ll add it.
 
 

To conclude 

 
Recap over.
 
Reply in the comments below. Or DM us via the bottom right blue FB Messenger button. Like you have been doing.
 
The latest

 
 

Going from simple to awesome

May 23, 2019 by  
Filed under The Fitness Bug

Ya know… The S-curve Xperience is simple.
 
It’s all about making all 4 parts of it. More awesome than it currently is @ your life.
 
 
And we need ‘simple’. Because if it’s not. You’ll quit and walk away.
 

Now…

  1. Eat whatever the fudge (Our ‘F word’) you want and still look S-curvish.
  2. Take advantage of our platform to improve your life and/or biz 
 
 
Those are the best things you can do/look forward to right now.
 
 

Eat whatever the fudge you want and still look S-curvish 

 
This is arguably the thing that we all look forward to the most within the S-curve Xperience.
 
That is… Enjoying the final (And most fun) parts of the S-curve meal structure. On Travel-curvish 2.0 trips. Or even locally.
 
It’s when we have become at least 60% S-curvish. From all the S-curve member shenanigans.
 
To then… Eating whatever the fudge we want. 
 
– In exotic environments
– Usually half naked
– With some of the best tasting foods on earth… A-F rated too
 
It’s a point where we don’t have to worry about what we eat. Because we have become S-curvish to a certain level.
 
In fact… These moments are like a mini Thanksgiving season. Where we embrace the binge fest. Due to the fact that we may not eat S-curvishly 100% of the time, in our busy day to day lives (Which is OK… As long as you eat ‘something’ @ S-curve meal structure meal time).
 
Which of course… Leads to lackluster results.
 
So if you are 60-100% S-curvish right now. And are enjoying moments like this. Continue.
 
If you’re not quite there yet… THIS PAGE.
 
 

Take advantage of our platform to improve your life and or biz 

 
That is the hot theme in S-curve world right now. And most likely for the forseeable future.
 
We’re basically now a platform for anyone that’s interested in living life… The way you see it on our social media profiles.
 
 
If you’re a business that wants extra targeted and relevant exposure. Then the best thing to do is request to get a post up on this website.
 
You’ll get all of the details that’s required. When you email directly via mailus@stayfitbug.com.
 
And if you are 60-100% S-curvish. You can request to get posted on our social media profiles and websites. Just send a DM.
 
Chatter done. Motivation time.
 
Standing 'soft lean' #bikini-curvishly @megkylie
Standing ‘soft lean’ #bikini-curvishly @megkylie
S-curve #workout moments @priscillatrindadeofficial
S-curve #workout moments @priscillatrindadeofficial

The latest

As usual… Comment below or hit the Messenger button to chat.

4 Drinks That Can Help You Lose Weight

May 21, 2019 by  
Filed under The Fitness Bug

There are some drinks that will make it very easy for you to get the best possible weight loss results.  You have to imagine how easy ti will be to change your life if you are using these special drinks every day.  There are a lot of things that you can do to be sure that you will feel your best, and you should try all four so that you are not in a place that forces you to do odd or Trang’s things to get your body to lose weight.  You are going to feel great because you are on a plan that makes it easy for you to lose weight, and you will have a drink that works for all times of the day.

  1.  The Supplement Drink

You can pour your supplement with just a dose of the powder from your supplement in the glass.  You can use the Isagenix NZ Products – Buy Isagenix Online in New Zealand to make sure that you have a drink that is going to give you energy that you need to get through the day.  These are basic drinks that you can make at any time, and these supplements come in some nice flavors that you will truly enjoy.  This might be your best option because it makes it so much easier for you to feel like you have started the day right.

  1.  The Meal Replacement

The meal replacement that you use is going to make you feel so much better just because you have a chance to skip over a meal and get the nutrition instead.  You might want to use the meal replacement for breakfast or lunch, and you can have a very good meal at the end of the day that will feature lean protein. You also need to see what you might do if you are trying to replace certain meals before or after your workouts.

  1.  The Vitamin Replacement

There are a lot of people who have vitamin deficiencies because they have never addressed these problems.  They need to be sure that they have taken this drinking the morning or evening. When you are using these drinks specifically, you will have control over your health because most people who are drinking these drinks will not need to worry about how bad they feel because of the lack of vitamins.  You do not necessarily need to take the vitamins when you can use these drinks to supplement your body’s output.

  1.  The Nightly Drink Or Recovery Drink

The nightly drink or recovery drink is going to be very nice for you because it can help your body recover at the end of a long day.  You also need to be sure that you have had this drink if you have a very big workout. This makes it easier for your body to get the kind of nutrition it needs to come back from a lot of stress.  You are adding all these things together to create a nice plan for your body that will help you lose weight and remain as healthy as you possibly can.

Going Deeper

May 21, 2019 by  
Filed under The Fitness Bug

'Come up for air' moments with your dog @miss__heather_jo

‘Come up for air’ moments with your dog @miss__heather_jo

 
Sooo… You now know that the Tues/Thurs/Sun newsletters are now viewable on this website. 3 x a week.
 
And because of that… They’re now a little better too. Since we have more room to play around with on there.
 
But for those of you who TRULY want to be helped.
 
More info isn’t want you need.
 
And ‘more’… Has been proven NOT to help you much either.
 
Want to know what has made folks in S-curve world succeed, more than anything else?
 
It’s one on one help. And A LOT of it!
 
And I’ll tell you why it works so well.
 
It works… Because you become what you think about and communicate with the most.
 
A bit like that 5 friends rule @ you become the 5 people that you hang with the most.
 
Most of you who seek help. Currently have a real problem on your hands. It could be anything (Mostly related to body, mindset and lifestyle).
 
And what tends to happen with 121 help. Is that we end up creating a super strong bond.
 
And because of today’s tech… There’s many ways that we can make ‘communication’ happen.
 
The offline and online experience can nearly be one of the same thing ‘today’.
 
This is what has also created the thing that we look forward to the most.
 
Which is taking Travel 2.0 trips… With those you became S-curvish with.
 
Which is usually…
 
1. You… Deciding to get 121 help
 
2. You… Getting your folks involved. Mostly because they became intrigued with the changes that they started to see in you.
 
3. All of that happiness and success, resulting in a trip.
 
So today. If you are reading this. And want true help. 121 is what you need to do.
 
Now… 
 
The reason why you see and consume these newsletters. Is to stay informed. As all events are LIVE and in the moment.
 
And to get educated on all that’s on offer within S-curve world and how things work… How they’ve worked for others.
 
At which point… You now have some trusting reference points to jump in with. Without having your defences up.
 
But one thing you must do. Once you go 121. Is to not stop consuming the daily posts or newsletters. As that’s a part of the S-curve formula to fixing you.
 
So stay subscribed to everything. As you are now a part of what has become the S-curve platform (Aka play ground).
 
And like we said in this newsletter.
 
Because we are a platform. There’s different things that you could be subscribed to.
 
Like > regular supplement orders.
 
Or stuff you see on the > items page
 
Done.
 

'Come up for air' S-curve workout moments @victoria_ifbb

‘Come up for air’ S-curve workout moments @victoria_ifbb

 

Poolside bikini-curvish moments @thalitanascimento_

Poolside bikini-curvish moments @thalitanascimento_

 

Reply in messenger to chat. Or comment below. 

Some words about ‘motivation’

May 19, 2019 by  
Filed under The Fitness Bug

MOTIVATION…

 
Providing a ton of it, over the years. Is the reason why our first S-curve program exploded. Circa 2012.
 
This of course… Started with pics and vids… Via official/unofficial partners S-curve members and associates. That you see on all of our platforms and/or websites.
 
That still continues on today.
 
And today YOU now have the opportunity to become that person. And make a living from doing so.
 
 
1. Becoming S-curvish. On your own or with > our help.
 
2. To share your own stuff. Or the S-curve program. Which is easy for you. Since you went through the program your self… With success.
 
Now… It is true. That motivation isn’t best thing for you to focus on.
 
Goals are. Which is what is set, once you become a member. Which is why everyone succeeds at such a high rate @ #Scurveformula shenanigans.
 
But motivation is needed. Because it moves and gets you off your ass.
 
I mean… Just look at how many of you respond to these newsletter messages and insta/FB stories.
 
So ya… Motivation isn’t going anywhere, any time soon.
 
And if you’ve been getting ‘motivation’ from our Messenger messages. Just make sure you click through to these newsletter links, in those messages.
 
As you’ll see the pics and vids here now.
 
Simply because we can’t send those inside Messenger any more @ FB rules.
 
The biggest motivator of all though. Is…
 

Travel-curvish 2.0

Just scan through the most recent Insta mini blog posts to see why this is.
 
 
 
And for those of you who are into the ‘business’ side of things, here in S-curve world. Travel-curvish 2.0 is important… Especially for YOU!
 
Why?
 
Because more often than not… YOU are working harder/more… Than the average person. With the pay off, being more freedom to do what you want with your days.
 
However… It will often mean that you won’t be able to take long trips away @ 1-2 weeks.
 
It’s not that you can’t. It’s just that your ‘focus’ won’t let you. Because it’s that focus that causes/caused you to win in your business endeavours in the first place.
 
And so… Travel-curvish 2.0 to the rescue.
 
– 2-4 day trips
– 2-4 hours away from home
– There’s an awesome, yet less popular destination… Wherever you are located in the world.
 
Done. Message or reply in the comments.
 
Oh… And be sure to dig into the archives to view the previous newsletters. All of them will help you within the S-curve Xperience. 

 

'Coming up for air' for an S-curve #workout @maayan__peri

‘Coming up for air’ for an S-curve #workout @maayan__peri

'Coming up for air' for an S-curve #workout @victoria_ifbb

‘Coming up for air’ for an S-curve #workout @victoria_ifbb

S-curvish #bikergirl moments @marianny1616

S-curvish #bikergirl moments @marianny1616

 

The latest…

 

5 Things to Know Before You Choose Your Health Insurance Plan

May 16, 2019 by  
Filed under The Fitness Bug

Choosing your own health insurance plan can feel downright overwhelming and stressful. There are so many things to budget for and so many confusing terms, where do you even begin? You know you need the right coverage to make sure you have access to quality, affordable care, but you’re unsure how to get started.

 

Before you choose your health insurance plan, whether you’re going with an employer-sponsored plan or something from the federal marketplace, make sure you read through these things. There are a lot of misconceptions about health insurance that prevent you from getting the care you need. Don’t let that happen to you.

 

Assorted Doctors Tools

Image via Pexels

 

1. Understanding The Plan Types

First, you need to know how the different types of health insurance plans work and are categorized. Some plans allow a lot of flexibility, and you can see different doctors and use different facilities at a similar price. On the other hand, some plans limit which providers you can see, but they might charge you less for coverage. Here are some of the most well-known plans:

 

  • Health Maintenance Organization (HMO) – Limits coverage to care from doctors in-network without covering out-of-network care except for emergencies.

  • Preferred Provider Organization (PPO) – Pay less if you use in-network providers, but you’re able to use outside providers for an additional cost.

  • Point-of-Service (POS) – Pay less to use in-network providers, but you can see an out-of-network provider with a referral.

  • Exclusive Provider Organization (EPO) – Care is managed by a primary care physician and you need a referral for outside coverage.

2. Part-time or Unemployed Plans

There’s a lot of confusion about how to gain access to health insurance coverage. If you’re not employed full-time or if you decide you don’t want to choose a plan through your employer, you still have options. By searching an online marketplace, you can review plans from recognized national and regional insurance companies to find the right one for you no matter your employment status.

3. Metal categories

Most healthcare plans are categorized not only by plan type but also by “metal” categories. These categories are actually a way to show you just how much you’ll expect to pay for your coverage. However, these categories in no way indicate the level of care you’ll receive or even your providers.

 

Plans range from bronze coverage to platinum coverage, with bronze being the most affordable and platinum being the most expensive. The more you pay in monthly premiums, the less you can expect to pay out-of-pocket.

4. Indemnity vs Managed Care

Another way to categorize insurance is to consider whether the plan is an indemnity health plan or a managed care system. An indemnity plan is known as a fee-for-service plan, and this is any plan in which you pay a percentage of your medical costs while the insurance provider pays the remaining costs. You have more flexibility with your doctor and provider coverage with an indemnity plan.

 

On the other hand, a managed care system requires you to choose a provider who’s under contract with your provider. Both HMOs and PPOs are examples of managed care. For this, your employer usually pays a fixed monthly fee for services, and you’ll need to stay in-network for the best cost of service.

 

View of Clinic

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5. Supplemental Insurance

Finally, recognize that most traditional health insurance plans don’t include coverage for “supplemental” things like dental and vision insurance. These are considered extras that usually need to be purchased as an additional plan. Luckily, supplemental plans are very affordable. For instance, dental insurance costs anywhere between $14 and $30 a month, so it’s not a huge expense as long as you stay up-to-date with preventative care.

6. Choosing Your Health Insurance plan

It’s time to choose the best health insurance for you at a price you can afford. Don’t fall victim to any of the common health insurance myths and listen to the tips above. It doesn’t have to be unaffordable to have the care you need when you need it.

 

While it’s true there are a lot of complex parts of healthcare to figure out, it’s not impossible to discover what you need to choose the best plan. You’re now ready to make a smart decision to protect your health for the future.

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