You realize you are in a soup when after undergoing kidney stones surgery, you are told the medical expenses for this surgery aren't payable in your health insurance policy. When you get your claim rejected stating that kidney stones are only covered after 2 years from Buying the Health Insurance Policy, you want to find that rogue health insurance agent of yours! When you were buying the policy, he kept repeating that all your...more
How E-cigarettes can save your family health You've seen the labels – "Smoking is Dangerous to Your Health", "Cigarettes Cause Lung Cancer", "Tobacco Use Increases the Risk of Infertility" – all of these warnings are meant to increase public awareness on the harmful effects of smoking. But the most glaring sign is one that smokers probably don't see – Cigarette Smoke Can Harm Your Children. You are putting your family members in...more
Emergency Hygiene and Sanitation - A Safe and Healthy Family If you are the kind of person who knows that it's better to be safe than sorry, then you already understand the importance of having the most effective and reliable first aid and medical supplies on hand in case of an emergency. A first aid kit will not solve all of you or your loved ones potential illness and injury problems. You should be aware of some of the other products and kits that are out available. If you have a family to care for you know that as soon as one gets sick the whole family will suffer and that is why you need to think about emergency hygiene and sanitation products.When you are looking for emergency hygiene and sanitary kits, there are a few things that you are going to want to keep in mind. To begin with, you are going to want to be sure that you have are considered issues and illnesses such as flu season. If you are in charge of keeping a family well, you should know that you do have some power over how often the members of your family get sick. A big part of this has to do with having the proper hygiene supplies around. You will want to make sure that you have access to safe and...more
As a way to begin let's define what I mean by traditional health insurance. The traditional health insurance policy is composed of:The deductible - This is the amount that you have to pay for a medical event before your health insurance will start to pay. In today's world that deductible is often $3000 or more.The coinsurance - After the deductible...more
Buying medical insurance in Virginia does not demand too much home-work, but there should be certain amount of thought-process to make a learned decision. Virginians have wide variety of options when it comes to buy health insurance, be it student health insurance, small business health insurance or individual health insurance.It makes sense to...more
1. DOES YOUR PLAN COVER YOU ON AND OFF THE JOB?Many health insurance plans have specific exclusions that eliminate your benefits for anything that could have been covered under Workers Compensation or similar laws. Now read that last sentence again.COULD HAVE BEEN COVERED!?That is correct. Most self employed people and even some small business owners do not carry Workers Comp on themselves.There are designed insurance plans that will cover you on and off the job - 24-hours a day, if you are not required by law to have Workers Compensation coverage.2. ARE YOU WRITING IT OFF?Independent contractors (1099's), home based business owners, professionals and other self employed people generally are not taking advantages of the tax laws available to them.Many people who are paying 100% of their own costs are eligible to deduct their monthly insurance payments. Just that alone can reduce your net out-of-pocket costs of a proper plan by as much as 40%. Ask your accounting professional if you are eligible and/or check out the IRS website for more information.3. INTERNAL LIMITS All true insurance plans use some form of internal controls to determine how much they will pay out for a particular...more
"LOS RELATOS DEL DOCTOR CALCAGNO"Hoy: "LOS SECRETOS DEL FUTBOL"COMO DECIA RIPLEY, ESTO ES VERDAD ANQUE UD. NO LO CREA. Por el Lcdo. Miguel Angel Castro Lazo (1)Ya todos sabemos que los periodistas ocultan su verdadera simpatía por un...more
There are times when colon cancers bleed. Under some circumstances, the blood might be visible in the stool. In cases where the cancer is in the vicinity of the rectum, the blood could even surface as bright red. Even though the blood is not visible,...more
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