They make it hard to get the money you’re entitled to. Here’s how to get them to pay.

1) Don’t pay if you don’t have a say.
When you purposely see an out-of-network doctor, your plan usually makes it clear that it’ll cost you. But when you have surgery, the hospital chooses the anesthesiologist. If you get that annoying “out-of-network” bill, Flynn says, draft a strongly worded letter stating you had no say about the anesthesiologist—in-network or otherwise—and, therefore, won’t pay any additional fees. “If you don’t have direct control, you are not liable,” Flynn says, adding that this tack is likely to work every time, but few consumers know about it. (more…)

From Reader’s Digest of all places, here’s a list of things you can do keep up a regular sex life. Yes, having sex is not only fun- study after study shows that gettin it regular is an important component of your overall physical, mental and spiritual health. In other words, doing it longer can help you live longer.

1. Have sex tonight! Having intercourse regularly helps to keep your sex drive in high gear by increasing the production of testosterone, which is the hormone mainly responsible for libido in both men and women. (more…)

Know this: “You’ll be able to comfortably work out longer and harder if you’re cool,” says Len Kravitz, PhD, coordinator of exercise science at the University of New Mexico. “Being too hot stresses your body out, so you don’t perform as well.” Translation: You burn less fat.

Do this: When exercising at home, put a fan in front of your workout area. Hitting the gym? Wait to use the treadmill that has a fan built into the console.
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Apparently, a lot of people are thinking that Brit Brit is bipolar. But what is Bipolar anyway?

According to the National Institute of Mental Health,

Bipolar disorder, also known as manic-depressive illness, is a brain disorder that causes unusual shifts in a person’s mood, energy, and ability to function. Different from the normal ups and downs that everyone goes through, the symptoms of bipolar disorder are severe. They can result in damaged relationships, poor job or school performance, and even suicide. But there is good news: bipolar disorder can be treated, and people with this illness can lead full and productive lives.

About 5.7 million American adults or about 2.6 percent of the population, have bipolar disorder. Bipolar disorder typically develops in late adolescence or early adulthood. The periods of highs and lows are called episodes of mania and depression.

The symptoms are as follows:

Signs and symptoms of mania (or a manic episode) include:

• Increased energy, activity, and restlessness
• Excessively “high,” overly good, euphoric mood
• Extreme irritability
• Racing thoughts and talking very fast, jumping from one idea to another
• Distractibility, can’t concentrate well
• Little sleep needed
• Unrealistic beliefs in one’s abilities and powers
• Poor judgment
• Spending sprees (more…)

Reduced risk of death from nearly all causes: European researchers suggest that moderate daily intake of red wine (22-32 g of alcohol) has a protective effect on all-cause mortality. According to studies from France, UK, Finland and Denmark, moderate consumption of wine is more beneficial than that of beer or spirits.

Smoking: Acute smoking significantly impairs vessels’ natural ability to relax, or vasodilate. Red wine, with or without alcohol, decreases the harmful effect of smoking on the endothelium - layer of cells that provide a friction-reducing lining in lymph vessels, blood vessels, and the heart. (more…)