There are many misgivings about health insurance. It is very helpful when medical emergencies happen. It helps keep you happy by making preventative care affordable. However, health insurance itself is protected by various federal and state laws. In Texas, health insurance is protected by laws that the state itself regulates. This does not mean that only state-provided health insurance is covered by these laws. It simply means that any health...more
It's a fact that sometimes even the best companies go under. Insurance companies are no different. If your Texas health insurance company closes, you may find yourself stranded, wondering what options you have now. Why would a health insurance company close? This only happens when the amount of debt exceeds the amount of money coming in. Fortunately, Texas has state laws in place that can help soften the blow if this should ever happen. When the...more
Texas does abide by federal law that protects you and your health insurance. They also have laws that supplement this protection for residents of the state. However, there are limits to Texas health insurance laws, just as there are limits to federal laws. There are certain circumstances that are not covered by either. It is best that a policy holder becomes familiar with the limits of the laws regarding health insurance. This education will help you if you ever find yourself in any of these situations. For most of them, preventative measures can be taken, to ensure that you don't fall into these circumstances. One of the most important limits of the Texas health insurance laws is your employer does not have to provide health insurance for you. This may seem shocking, but it's true. If you're changing jobs, this can really hurt you in the long run. Perhaps you had health insurance provided by your last job. This doesn't mean that your next employer will provide health insurance for you. And, unless you exercise your rights under COBRA, you can't take your health insurance with you from your old job to your new one. This means that you'll be paying for health insurance out of...more
A checkup also is a chance for you to talk with the doctor about developmental and safety issues and to ask any questions you have about your child's overall health.What to Expect at the Doctor's OfficeAt a typical well-child visit, your doctor will weigh and measure your child to chart progress along a normal pattern of growth....more
Buying your own health insurance makes sense both financially and personally. Health insurance can protect your financial assets in case you develop a medical problem that is expensive to treat. Additionally, purchasing private insurance can save you from dealing with a gap in coverage should you ever lose your job since your medical...more
I asked Kristi (a 32 year old woman who suffers from an extremely rare, serious and disabling neuromuscular disease called Stiff-Person Syndrome (SPS), as well as Myasthenia Gravis and Gastroparesis) while I had her on the phone, "If she knew then, what she knows now, what would she do differently?" One of the first things she said was to make sure everyone had disability insurance.No one wants to think about being disabled, however, the reality is one third of all American's between the ages of 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers.What's worse is that one in seven workers will be disabled for more than five years. This is not normally caused by a freak accident, most of the time it is caused by illness.Disability insurance replaces a portion of your income if you become disabled and are not able to work. Check with your employer, they usually offer a group plan that will replace up to 60% of you salary. Supplemental plans and individual policies will usually cover more. Benefits usually last for a set number of years or until you reach retirement age.Long-term disability plans vary quite a bit. Some...more
Normally healthy humans have about 100,000 hairs on the head only. Each of the hair shaft has 3 layers, the outside layer or cuticle and the 2 inner layer. The cuticle protects the inner side layers. If you are having shiny hair then it is the sign...more
There is a common perception that working as an employee for a business is not very enjoyable. Whether or not that is true is debatable. However, there are two distinct advantages that employees have over people who are self employed; a...more
The cost of health care has reached such high levels that you could actually go bankrupt if you get sick and do not have enough health coverage. Yet according to a Gallup poll, 26% of Texans cross their fingers, hope for the best, 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...more
Any American these days knows the stress of working in the office - it's the dread of Monday. Sure, it's great to have a job in this economy, but who needs the aches and pains that go with it. We always think that a prescription or an...more
Universal Health Care Means Discounted RatesI assume most (maybe all) Americans know about the upcoming health insurance changes, but little do they know! You could save some serious money on your health insurance costs with this...more