It is a hot debate, ever since the first drafts of the proposed Patient Protection and Affordability Health Care Act: Should the government support health care commerce by forcing citizens to buy insurance or pay a tax?In your medical practice, management of finances is key. Where that money comes from may not matter as much as it does to your patient, but the final outcome of the proposed healthcare mandates might affect you in unanticipated...more
Copyright (c) 2010 Mountain West Foot & Ankle InstituteFor 3 years now, I have been playing soccer in a Highland Co-ed Adult league during the summer. The league is designed to help people learn the game of soccer, but also to have lightly competetive games in this great sport. One Saturday (7 August), I was playing in this game and broke my foot.While playing defense (which I usually do), I take it personally when a goal is scored....more
Whether you have group insurance through your place of employement or you buy individual health insurance directly from an insurance carrier, you have gone through underwriting. Underwriting is process used by insurance companies to determine the risk factors of single individuals or the risk factors of a group as a whole. Once the level of risk is determined then carriers will be able to determine premiums that correspond to this level of risk. If you have traditionally been on group plans you probably haven't felt the effects of underwriting; however those that buy their own coverage will feel it the most. This article will touch on the underwriting process so that you can better understand what may be affecting your final price.Underwriting is a process that financial service providers use to assess their customer's eligibility to purchase their products. It has been around for a long time and is used in several industries besides the group and individual health insurance market such as securities, banking, and real estate. The goal in underwriting is to minimize the risk of loss while maximizing profits for the insurance carrier. As such, when evaluating you for coverage an...more
You cannot hold a grand wedding, but you cannot do without a romantic honeymoon, honeymoon in environmental transformation, bumpy journey, but also may face a strong sun, dry climate such as baptism, is the skin a great challenge, how to honeymoon in can maintain the freshness of sweet muscle, it would side with us honeymoon right side of skin care...more
Have those muscles been aching forever? Over the counter medications often don't work, and nobody wants to be on long term prescription medication. If it is the stress of work, family, income, or just long-standing problems with muscle ache. You can try a deep tissue massage. Many of us don't know what that is. Let me tell you more about deep...more
To the untrained, health insurance plans can be difficult to understand. Too often, they contain insurance jargon that can make you feel like your insurance policy was written in another language. However, it is important that you look over your health policy so you understand exactly what kind of coverage you have available to you. The last thing you want is to have a medical problem develop and find out that your health plan does not cover the bills. Two frequently misunderstood parts of the health plan is the deductible and the coinsurance. This article will take a look at both.A deductible is the amount of money that you have to pay out of pocket before the health insurance benefits kick in. Generally, this is a yearly amount that must be paid. So, when your insurance renews so does your obligation to pay the deductible. Depending on the insurance policy, the deductible can be assigned on a per person basis (i.e. $1,000 per person) or can be a single deductible for the whole family (i.e. $2500 for the family). Not all medical services you use and pay for will be applied to the deductible and some services, such as doctor's visits, may be paid by a set amount,...more
I love my massage therapist. Of all the 90,000 people in the United States who claim massage therapy as their part-time or full-time job, mine is the greatest. Like most, she is self-employed. A large percentage of these workers are of part-time and...more
What a great massage I just had! Oh, I feel so great after that massage. If you are saying that, chances are you just had a Swedish massage. This is one of the more modern styles of massage, however, it is by no means new. This style of massage...more
Low income families face a weird dilemma they are not eligible for insurance at work because of their poor salaries and their poor salaries do not let them afford private individual health plans. And considering that this one income bracket that...more
Are you stressed? Do you dread returning to work having had a nice relaxing weekend? Even though you are happy to have a job, it can be awfully stressful in the workplace. You wish for some sort of relief from all of this (short of a...more
Don't you love the heat? Warm sun on your back, hot sand on your legs and feet. Yes, we all love the beach. There is something very healing and relaxing about the sun. Our muscles feel great having lain in the sun for a bit. There is a...more
In a world where all we do is stand, run, walk and lift - our feet support us all day long. While being in shoes and socks all day, we restrict circulation and air contact. One of the most thoughtful gifts I ever received was the gift...more