Day: June 27, 2022

Health insurers to pay $1 billion in rebates to 8.2 million people this year

Sdi Productions | E+ | Getty Images

There's a chance your health insurance company owes you some cash.

Depending on how you get your coverage, you may be one of the 8.2 million policyholders expected to get a piece of $1 billion in premium rebates this fall from various insurers, according to a preliminary analysis from the Kaiser Family Foundation.

The amount is down from $2 billion issued in 2021 and a record $2.5 billion in 2020.

"In the last couple of years we've seen some really large rebates — twice the size of this year's amount," said Cynthia Cox, a vice president at the foundation and director of its Affordable Care Act program. "But I'd say $1 billion is still significant."

More from Personal Finance:
IRS working to boost audit rates for higher earners
The U.S. job market is still hot — at least for now
How to pay for college after a financial setback

Generally, you're more likely to see a rebate if you have an individual policy (including through a state health exchange or the federal one) or participate in a small- or large-group plan. (Many of the biggest U.S. employers choose to self-insure, which means their plans don't have to adhere to certain requirements placed on insurance companies. Different rules also apply to Medicare and Medicaid coverage.)

So why are the rebates going out?

Basically, insurance companies that sell group or individual policies must adhere to a "medical loss ratio" requiring them to spend at least 80% of premiums paid by enrollees on health-care costs and certain other expenses related to patient health. (For large group plans, the ratio is 85/15.) If that threshold is not met, enrollees are reimbursed the difference.

Each year, the ratio is calculated based on a rolling three-year average. So the rebates this year derive from insurance companies' financial data from 2019, 2020 and 2021.

This year's refunds — which will go to eligible participants enrolled last year — work out to about $141 per plan participant in the individual market, $155 in the small group market and $78 in large group plans, according to the Kaiser analysis. However, that amount can vary widely, depending on your location and insurer.

Insurers typically either send a check to policyholders or deduct the rebate from premiums (and send a check to individuals no longer enrolled but owed some money). Be aware that if you are in a group plan, your employer may split the rebate with you, Cox said.

If you're entitled to a rebate, you should receive it by Sept. 30.

Pregnancy Nutrition: What Foods to Avoid When Pregnant

Pregnancy gives a whole new meaning to food. Not only does what you eat help nourish and grow a human being, but it can also send you running for the bathroom as you discover yet another smell that disgusts you. There's already so much to consider when pregnant that it can hard to remember exactly which foods or beverages you absolutely can't ingest and which are safe in moderation. 

To help you through this exciting yet admittedly stressful time, we rounded up a list of foods and beverages to avoid so you can continue to figure out how best to fill your plate during this important time in your life. We also rounded up a list of foods that experts continue to debate if they are safe to eat during pregnancy. 

Read also: 6 Things Your OB-GYN Wishes You Knew About Pregnancy

Foods to avoid during pregnancy 

Alcohol 

It's not a food, but alcohol continues to sit high on the list experts say to avoid while pregnant. Alcohol can affect fetal development of the brain, facial features and other important body parts as it passes through the pregnant person's blood to the developing fetus. Alcohol can impact a child's life after they're born and cause physical and developmental disabilities, or what's known as fetal alcohol spectrum disorders. 

According to the Centers for Disease Control and Prevention, there's no safe amount of alcohol to consume at any point during pregnancy. If you're pregnant or planning a pregnancy and would like help quitting drinking, talk to your doctor or find help near you.

Pregnant woman with a hand on a wine glassPregnant woman with a hand on a wine glass

Experts say to cut out beer, wine and liquor during pregnancy because there's no known "safe" amount of alcohol to drink. 


Jamie Grill/Getty Images

Raw or undercooked seafood and all shellfish

This one might hurt a little, but raw or undercooked fish (like sushi) can contain bacteria and viruses that can be harmful to you and your baby. Importantly, eating raw fish runs you the risk of listeria, which is an infection 10 times more likely to affect pregnant people, and 24 times more likely to affect Hispanic pregnant people, according to the CDC. Listeria can cause miscarriage, stillbirths, preterm births and death in newborns. 

Some examples of seafood to avoid include sushi, sashimi, ceviche, raw oysters, scallops and clams, per the Mayo Clinic. You should also stay away from refrigerated seafood labeled nova style, lox, kippered, smoked or jerky, according to the clinic. 

High-mercury fish

The bigger and older the fish, according to the Mayo Clinic, the more likely it is to contain levels of mercury that aren't safe during pregnancy. A buildup of mercury in your body can affect your baby's nervous system. Common fish to avoid include bigeye tuna, king mackerel, marlin, orange roughy, swordfish, shark and tilefish, per the Food and Drug Administration.

If you catch your own fish, or eat locally sourced fish, check local advisories for mercury levels and possible pollution.

Raw and undercooked meat 

Pregnant people are at a higher risk for foodborne illness because pregnancy affects their immune system's ability to fight off those infections, according to the FDA. Meat served raw or undercooked can carry harmful bacteria such as listeria, E. coli, salmonella, toxoplasma and make you and your unborn baby (who doesn't have a functioning immune system yet) severely ill. 

So while you're pregnant, it's best to order that burger or steak well-done. 

Aerial photo of a salmon and veggie dinnerAerial photo of a salmon and veggie dinner

There's a long list of fish to avoid while expecting, but well-done salmon or other low-mercury fish are healthy options for you and your pregnancy. 


Aniko Hobel/Getty Images

Processed meat 

Hot dogs, cold cuts and deli meat are all examples of things you might want to avoid eating while pregnant. These "ready to eat" meats can also contain harmful bacteria or viruses. The FDA does say it's OK to eat these types of meat, though, if they're "reheated to steaming hot." Piping hot bologna, anyone? 

Raw eggs 

Undercooked or raw eggs pose the same foodborne illness threat to pregnant people, so it's best to avoid them. Some popular homemade food items that might contain raw eggs include hollandaise sauce, Caesar dressing, aioli dip and mayonnaise (but store-bought dressings and dips are typically safe because they're made with pasteurized eggs, according to the FDA). It's also important to cook your eggs thoroughly. That means firm scrambled eggs and hard yolks. 

Unwashed fruits and vegetables

You can blame listeria and the other common foodborne illnesses again, but the FDA recommends pregnant people wash their fruits and veggies in the case they've been contaminated. You should use plain water, scrub away the dirt with a vegetable brush (if you have one) and remove bruises or cuts that can harbor bacteria, per the FDA

Unpasteurized milk and cheese

If your cheese or milk product has "unpasteurized" on the label, it's best to skip because the potential infection with Listeria could lead to miscarriage, preterm delivery or affect a newborn. Goat cheese, feta, Brie, blue cheese, Camembert and queso fresco or blanco typically contain unpasteurized milk and are best to avoid, Parents reported. 

Hispanic people who are pregnant might be much more susceptible to listeriosis because their diets are more likely to include soft cheeses like queso fresco or blanco, panela and asadero. If queso blanco and queso fresco are made with pasteurized milk, it's safe to eat. (As a note of caution, the CDC says that some cases of listeriosis have been linked to contamination in products that were made with pasteurized milk.) 

Pregnant woman holding a plate of salad and a plate of donutsPregnant woman holding a plate of salad and a plate of donuts

It's best to eat small amounts of highly processed foods during pregnancy because they usually offer little nutritional value. 


Oscar Wong/Getty Images

Raw sprouts

Sprouts, though delicious and healthy, can be contaminated with salmonella -- a bacteria which causes about 1.35 million infections a year in the US, according to the CDC. While pregnant, it might be best to pass on the sprouts. 

Organ meat

Organ meats, especially liver, contain very high amounts of vitamin A which is harmful during pregnancy, sometimes leading to birth defects or miscarriage. Types of synthetic vitamin A like retinol and the acne medication isotretinoin (formerly called Accutane) should also be avoided during pregnancy for this reason. 

'Proceed with caution' foods 

Sugar substitutes

Expert advice for pregnant people on artificial sweeteners and "fake sugar" seems to be a mixed bag. Doctors advise that pregnant people avoid saccharin, the sugar substitute found in Sweet'N Low, because it can cross the placenta and stay in fetal tissue. Others cite a possible link to low-calorie sweeteners and high birth weights or child obesity. But other guidance, like that from the Mayo Clinic, is that artificial sweeteners are fine if consumed in small amounts or in moderation. 

Bottom line: a diet soda here and there likely won't be harmful to you and your baby. But if you think your diet is too sugary, talk to your doctor before replacing the real stuff with artificial or low-calorie sweeteners.

Caffeine

If you're one of the many people who need a cup of joe to start the day, you might be wondering if you need to quit the habit. Current guidance is that, while cutting out caffeine entirely is ideal, moderate consumption of less than 200mg a day doesn't cause miscarriage or preterm birth, according to the American College of Obstetricians and Gynecologists. (A typical 8-ounce cup of coffee has about 96 mg of caffeine, for scale, but amounts vary based on the brew). 

In addition to coffee, caffeine can be found in soda, chocolate, tea, energy drinks and other food and beverages. If you're particularly sensitive to caffeine, it might be best to keep your caffeine intake under 100mg, Healthline reported.

Caffeine, like a lot of substances that you can metabolize efficiently, crosses the placental barrier, so it's best to keep intake low for your growing baby. A study found that consuming 200 mg or more of caffeine a day increases the risk of miscarriage, but other research suggests even moderate caffeine consumption has been linked to low birth weight. If you have a history of miscarriage or are concerned about your caffeine intake, talk with your doctor.

A hand sprinkling sugar into a mug with coffeeA hand sprinkling sugar into a mug with coffee

Limit caffeine intake during pregnancy and be careful with sugar substitutes.


Tetra Images/Getty Images

Herbal tea

Caffeine is found in some teas, but herbal tea in pregnancy is a whole separate issue. The Mayo Clinic says to avoid drinking herbal tea while pregnant, unless your health care provider says it's OK, because of limited data on the safety for you and your baby. 

Herbal teas have been used by midwives and other people as cures for morning sickness and other pregnancy symptoms, but there's still a lot we don't know about the amount of herbs that are safe for pregnant people. Some herbal teas that might be safe to drink in the first trimester are ginger tea and green tea (which contains caffeine) according to Australia's Department of Health. You might add red raspberry leaf tea to the list in the second trimester (the tea is associated with uterine contractions, so the agency suggests you wait out the first three months). Be careful not to drink too much as drinking three or more cups a day has been linked to an increased chance for spina bifida

Some herbal teas to absolutely avoid during pregnancy include sage and parsley tea, which have both been linked to miscarriage, according to the Australian agency. 

Bottom line: Ask your doctor before you drink, or continue drinking, herbal tea while pregnant. And that includes tea marketed as "pregnancy" tea.

Fish

Fish are an excellent source of protein
and many have other awesome nutrients, including omega-3 fatty acids and, despite the long list of fish you can't eat, there are a few you can include as part of a balanced diet. The FDA recommends eating 8 to 12 ounces (about two or three servings) a week of safe-to-eat fish. Some of these fish to consider, per the Mayo Clinic, include: anchovies, catfish, cod, herring, light canned tuna, pacific oysters, pollock, salmon, sardines, shad, shrimp, tilapia and trout. White tuna is also OK, but stick to 6 ounces a week instead.

<img src="https://www.cnet.com/a/img/resize/242d3a3806aa7c7341cc8b515dbc20f3f9ba99f2/2021/08/13/9bf8d410-ae5b-4daa-bee6-1c2f1242206d/gettyimages-654400237.jpg?auto=webp&width=1200" class=" lazy" alt="Tea pot of herbal tea pouring into a teacup" height="801" width="1200"/>Tea pot of herbal tea pouring into a teacup

There are a lot of unknowns about tea, especially herbal tea, during pregnancy. Check in with your doctor if you're a tea drinker.


ATU Images/Getty Images

That's a long list 

Like every person, every pregnancy has different needs and finding a diet that works best for one person may not be sustainable for you. While it's important to find foods that provide nutrients for you and your pregnancy, asking questions and considering your individual health can make eating healthy during pregnancy feel less restrictive. If you have questions about whether a food is safe to eat during pregnancy, contact your health care provider. 

More from CNET Parenting

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

I tried Kate Middleton’s exhausting workout routine for 14 days – watch








June 26, 2022 - 15:01 BST

Georgia Brown




It's no secret the Duchess of Cambridge has a natural affinity for health and fitness, having given royal fans a glimpse at her athletic talent and competitive streak at many a sporting event in the past.

SEE: Kate Middleton's epic workout routine and healthy lifestyle is not for the faint hearted

Former rugby player Mike Tindall, who is married to Prince William's cousin Zara, even described Duchess Kate as an "engine", claiming his dream rugby team would involve the 40-year-old royal on one wing "because she loves running, she can run all day!"

[embed]https://www.youtube.com/watch?v=sI_rL00eQcQ[/embed]

WATCH: HELLO!'s Georgia takes on Kate Middleton's gruelling workout routine

Keen to amp up my exercise habits, I decided to take on Duchess Kate's workout and wellness routine for 14 days to see if I could emulate the royal's enviably lean physique and radiant skin glow. Read on to discover everything I learned after working out like the Duchess of Cambridge…

LOOK: 26 times the royals made us laugh while playing sports - see hilarious photos

What is the Duchess of Cambridge's workout routine?

The royal has been known to incorporate a generous hybrid of cardio and weight training into her lifestyle. From running to weight lifting, cycling to rowing, yoga to HIIT, the sporty Duchess' workout routine certainly isn't for the faint-hearted.

kate-middleton-rugby

The Duchess follows an extremely varied workout routine

I decided to follow a 14-day workout plan incorporating as many of the Duchess' favourite exercises as possible.

Day 1, 3, 5

  • 3km run
  • 45 min weight training

Day 2, 6, 7

  • 45 min spin class
  • 1hr Yoga

Day 8, 10, 12

  • 10,000 step walk
  • 45 min weight training

Day 9, 11, 13

Day 14

How did I find each exercise?

Weight training

Keen to seek some expert advice before delving into weight training, I spoke to Juliana Leonardi, Senior Personal Trainer at David Lloyd Kensington who weighed in (get it?) on the need-to-knows of lifting as a woman.

kate-middleton-tennis

The Duchess has an incredibly lean physique

"The key to achieving a lean, toned body like the Duchess of Cambridge without bulking is to do several reps of low weights," explained Juliana.

MORE: This is what happened when I drank Kate Middleton's green 'pond water' smoothie for a month

READ: Kate Middleton's daily diet: the Duchess' breakfast, lunch and dinner revealed

"I definitely believe the Duchess of Cambridge weight trains," says Juliana. "There are so many benefits to weight training, from making you leaner and stronger to improving your bone destiny, burning fat and helping with posture."

As a total weightlifting rookie, I found Juliana's exercises enjoyable and surprisingly simple - but the burn the following day proved you don't have to lift heavy weights to feel a difference.

Running

Both Kate and her sister, Pippa Middleton, are keen runners. According to the Daily Mail, the Duchess finds the time to run as often as possible when in Norfolk, having enjoyed long runs with the family dog Lupo by her side before he passed away.

kate-middleton-lululemon

KATE WEARS: Define Jacket, £98 / $118, Lululemon

SHOP NOW

bam-base-layer

WHAT I WORE: Bamboo Base Layer, £42, BAM Clothing

SHOP NOW

Getting in a daily run proved to be surprisingly difficult, as I think it requires the most motivation. I find running to be one of those 'love it or hate it exercises', and I'm definitely in the latter category. I always tried to kickstart my workouts with a slow 2 km jog, or finished a sweat sesh on David Lloyd's curved treadmills - which Juliana said are great for building endurance and working the core. 

Cycling

Though I'm sure the Duchess of Cambridge doesn't cycle to pumping Taylor Swift at 7 am like I did in my spin classes, we do know she's a keen cycler. Before she became a Duchess, Kate would regularly cycle near her parents' home in Bucklebury, and has been spotted using the London Cycle Scheme bikes in Hyde Park.

MORE: 13 times the Duchess of Cambridge showed off her enviable trainer collection

I'm not sure if it's just the London cycle scene, but spinning terrifies me. I find the instructors intimating, the strange cult-like atmosphere where everyone in the room seems to automatically know the choreographed bike-ography (yes, that's a thing!) overwhelming, and the Ibizia club playlist often a little too much for a Monday morning. The sweat is real though, so it must do something.

Yoga

I anticipated using yoga as my rest day activity to give my body a break from weights and cardio, but I often left the classes feeling exhausted.

Duchess Kate loves the holistic exercise. Kate invited a yoga instructor from the island of Mustique to her 2011 wedding and also prepared for the birth of Prince George in 2013 with prenatal yoga sessions.

What did I learn from working out like Kate Middleton for a week?

Regular, routine exercise works wonders for your mental health

Once I had nailed the routine of wake up, exercise, work, sleep, repeat, I started to notice a major shift in my focus, motivation and mental health. I started to crave the post-workout endorphins and knowing I had smashed my fitness goals for the day before I'd even started work was a far more rewarding feeling than my usual slog to wake up and drag myself to my desk to begin work (ahem).

mal-paper-journal

I planned my workouts in a Daily Goal Setter Planner, £24, Mål Paper

SHOP NOW

I was also starting to feel exhausted by around 9pm, so I was heading to bed far earlier and clocking in at least eight hours sleep each night - which is far more than I'm used to.

It's not worth injuring yourself

I really had to listen to my body as I neared the final days of the challenge in order to avoid injury. At one point I felt I had overdone it on the cardio, so swapped a weight training session for some slow yoga at home - and I know my body thanked me for it.

f45

All before 9 AM! No wonder my muscles ached...

It's always difficult to find the right balance between exercise and rest, particularly if you suddenly amp up the amount you're working out.

You have to up your food intake

We hear so much about 'calorie deficit' being the key to weight loss, but very little about the importance of eating enough calories to sustain your energy for exercise. If I had continued to eat the same as usual while tripling my daily exercise for this challenge, I'm certain I would have fainted by day three.

I noticed around day four of the challenge I was starting to wake up extremely hungry, and I was going to bed on what felt like an empty stomach. This is when I knew I wasn't giving my body enough fuel to power through my workouts. On some days, my Apple watch was telling me I'd burned over 3,000 calories in a day, so it's no wonder I started to feel weak and lightheaded when I hadn't eaten enough.

farmer-j

Wholesome fieldtrays from Farmer J were a lunchtime lifesaver

Still keeping my diet healthy, I added more protein and lots of fresh veg to give my body a boost. And I never denied myself a treat (or two) when I fancied one.

Don't underestimate the power of yoga

Weight training may have left me feeling exhausted and sweating, but it was always after yoga that my body felt it had worked its hardest. Not only was my core on fire by the end of every class, but my upper back and chest muscles were seriously struggling after a sweaty session of Chaturanga Dandasanas (low plank holds).

yoga-at-home

Rest days were a great opportunity for yoga at home

Yoga has proven benefits to the body's core, posture, and stability, so it's no surprise the Duchess incorporates yoga into her lifestyle as a way to wind down and promote muscle strength.

All bodies are different

As much as I would love to have woken up with the Duchess of Cambridge's slender, toned physique on the final day of the challenge (a girl can dream), I had to be realistic with my goals.

workout

Progress in fitness takes a lot of time and commitment

Fitness is a lifestyle, and it requires a lot of commitment and dedication. So although the physical changes in my body were minimal despite my disciplined approach to the challenge, that doesn't mean it was a total failure. I explored new styles of working out, braved the dreaded weights section of the gym, and nailed my first 5k run in months.

Aesthetically, the changes might be small. Mentally, I'm more than ready to take on my next workout à la Kate Middleton and continue exploring the potential of my fitness goals.

Make sure you never miss a ROYAL story! Sign up to our newsletter to get all of our celebrity and royal news delivered directly to your inbox.

HELLO!'s selection is editorial and independently chosen – we only feature items our editors love and approve of. HELLO! may collect a share of sales or other compensation from the links on this page. To find out more visit our FAQ page.

(function(d, s, id) var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "//connect.facebook.net/en_US/sdk.js#xfbml=1&version=v2.4"; fjs.parentNode.insertBefore(js, fjs); (document, 'script', 'facebook-jssdk'));

REDTAG promotes fitness and healthy lifestyle with retro sportswear on International Yoga Day

Drawing eclectic inspirations, Activewear adds an element of style to purpose-made exercise clothing, providing an additional reason to get up and pursue fitness and a healthy lifestyle. REDTAG’s dedicated collection also pays homage to vintage sportswear while retaining the contemporary design. In this way, Activewear perfectly encapsulates the spirit of yoga — an ancient practice with timeless significance and practicality.

“The practice of yoga, while rooted in Indian culture, has become ubiquitous, with proponents across the world, especially in the Middle East. Our Activewear pays homage to this ancient practice by empowering practitioners with fit-for-purpose apparel. While also bearing in mind the aesthetics, we have designed them with unwavering dedication and great attention to detail,” said Shehbaz Shaikh, Chief Retail Officer, REDTAG.

Through Activewear, men can relive the ’90s basketball experience with shorts in classic designs. Vintage options also extend to v-neck jerseys. Sleeveless hoodie sweatshirts and shorts with elasticated fastening are available in gentle colours. For those seeking fast-fashion gym outfits, REDTAG has brought enticing tie-dye shorts to go with t-shirts in fun colours like sage green.

Seamless short-sleeve cropped tops with push-up leggings in sober grey and dusky pink are just the yoga essentials that women need for a fulfilling yoga session. Activewear also features vintage, sporty and graphic sweatshirts that redefine comfort fashion. For the yoga regulars, there are relaxed t-shirts, two-piece sets, workout crop tops, and track shorts — all in warm colours.

“Activewear exemplifies REDTAG’s pre-eminence at the intersection of fast fashion and value pricing. Today, it also complements the growing awareness of fitness among all age groups and a rise in associated establishments such as gyms, yoga centres, and pilates studios. We intend to grow Activewear into a household sub-brand that will cater to fitness and yoga enthusiasts across the region,” added Shehbaz.

The value-driven brand recently concluded its Ramadan Bonanza, giving away SUV cars, cash prizes, and free gifts. In addition, REDTAG has been actively expanding across the region, with hyper-convenience value propositions such as ‘Anytime-Anywhere Exchange’, ‘Find Your Size’, ‘Fashion Stylists’, and ‘Free Home Delivery’.

With several such first-to-market services in the Middle East and its tiered loyalty program — RT Rewards — which boasts over 15 million members, REDTAG continues to cement its position as the leading value fashion and homeware brand in the region. Its contributions were recognized by Retail ME through the ‘Most Admired Brand Campaign of the Year’ award 2021.