In order to protect the rights of those who do not have health insurance due to a separation from service, Congress passed the Consolidated Omnibus Budget Reconciliation Act, or COBRA, in 1986. This law essentially states that if an individual participates in a group health care plan through their employer, they will be allowed a continuation of that coverage to help with health care costs while seeking new coverage. However, during this period,...more
The fate of the Affordable Care Act is uncertain as the Supreme Court is still pondering over the constitutionality aspect of the Affordable Care Act and a ruling is expected only by June 2012. Taking this into account some US states have slowed down or entirely discontinued their health insurance exchange implementation efforts. In view of this, it is a surprising development to see Governor Andrew Cuomo issue an executive order for the...more
When you are separating from your spouse, there are many financial issues that need to be considered. One of the most important for many people is the issue of health insurance. Health insurance is a significant expense for most people, especially if coverage through an employer is not available. As such, if one spouse was receiving health coverage from the other spouses work insurance plan, this issue will need to be considered and addressed in a divorce situation. An experienced Florida divorce lawyer can provide detailed information on how the issue of health insurance should be handled.Florida Divorce and Health InsuranceIn many cases, when a couple divorces, someone who is receiving health insurance coverage from his/her spouses health insurance will no longer be considered a relative for purposes of insurance coverage. This means that the person cannot just stay on the employers plan and continue to have help from the employer in paying the premiums. In some cases, however, coverage may continue under COBRA. This would mean that the divorcing spouse would be able to continue to obtain insurance through the employer/group plan still, even after the divorce.In order to take...more
There are a lot of people who practice as obgyn. Obgyn refers to doctors who specialize both in the field of obstetrics as well as gynecology. Obstetrics is the branch of science that stresses on caring for the different reproductive tracts of a women and the health of her children during the pregnancy and even just after it as well. At the same...more
Visiting an eye doctor is one of the most important things men and women with diabetes need to do. This condition can affect vision, and early detection of it can be profoundly important in maintaining your ability to see. Look for a specialist that works with conditions like this to ensure you have the best access to the care you need. You should...more
First, and most basically, I'll describe the use and purpose of a deductible. A deductible is money you pay towards a claim before the insurance company begins to pay. Deductibles are often attached to prescription benefits and hospital benefits but they can be used with any benefit. When they are attached to prescription benefits, you pay your deductible first and then you pay coinsurance with the insurance company or you pay a copay and the insurance company pays the balance. Lets look at an example. Suppose you have a prescription plan that has a $200 deductible and co-pays of $10 for generic, $45 for preferred brand name drugs, and $65 for non-preferred brands. Also, suppose you had a prescription that costs $100 per month. For the first two months you would pay the full amount out of pocket until you met your $200 deductible, then on the third month you would pay the copay and the insurance company would pay the difference. Insurance companies usually decide to put drugs in different tiers depending on how expensive they are and whether there is a generic alternative. Now, for the remainder of your benefit period (either calendar year or policy inception year) you will...more
Those seeking pearly penile papule treatment may be suffering from a condition they simply cannot tolerate. However, it poses no type of health risk and it is not affiliated with any type of sexually transmitted disease, many men can struggle with...more
Crows Feet TreatmentCrows feet are sometimes called as wrinkles which appear around the eyes and on the forehead. The medical term for crows feet is said to be lateral canthal wrinkles. These Crows feet occurs in the face when they grow old but for...more
Foot problems can be very hard to handle. There are a lot of different things that can cause foot pain. Sometimes, it is as simple as just as the footwear that is being used. An evaluation can be done by a foot doctor Flushing to find out what could...more
If you are one of the millions of people that are unhappy with the shape of your teeth, talk to your dentist to see how you can effectively straighten your teeth. Although braces are very effective in straightening your smile, they also are...more
With a massive growth in the number of drug addicts over the last few decades, the seriousness of the issue could not be overlooked. The nature of the addiction varies from person to person which is why treatment types differ accordingly. As a result...more
Families of patients suffering from drug abuse in Pennsylvania need not panic much. There are a number of good drug treatment centers in the state that have successfully given new life to patients suffering from drug addiction. In fact substance...more