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Thomas Mahoney, a 21-year-old uninsured network engineer & a part-time student of Dublin, Ga., has become a patient of epileptic seizure last December who eventually lost his health insurance at the age of 19. He was no longer eligible for coverage under his father's policy because he wasn't a full-time student.

Almost all states that regulate insurance plans for small- and medium-sized employers, fix a maximum age limit for coverage of dependent children. This limit is usually 19 for non-student and 23 for full-time college students.

Mahoney is one of 13 million plus people between the ages of 19 to 29 without health coverage. Many are just starting out in their careers who never had a serious health problem so far. Some people term this age group as all-resistance to major diseases and care nothing if they have health coverage or not. But unexpected does happen. A good example is Thomas Mahoney.

States now are looking at this group of young people who seek to reduce the number of uninsured.

Since the past two years, 17 states have passed laws that let young adults stay on the family policy until their mid twenties. New age limits range from 24 in Delaware, Indiana and South Dakota, to 30 in New Jersey. Eleven states settled on age 25, according to the Commonwealth Fund that conducts health research.

Barack Obama, a democratic presidential candidate has also picked up on the trend. Part of his health program would let young people up to age 25 continue to get coverage through their parents' health plans.

The Commonwealth Fund projects that 1.4 million people would gain health insurance if every state extended dependent coverage to at least 23.

State lawmakers, the National Conference of Insurance Legislators who specialize in insurance regulation will vote on a policy recommendation in two weeks to come that supports increasing the availability of dependent benefits up to age 25.

The insurance industry says the extensions cause insurers to pay for care that consumers previously paid for out of their own pockets. When insurers have to pay more claims, they have no alternative but to raise premiums to cover those claims. For the most part, employers bear the added cost.

Mohit Ghose, a spokesman for America's Health Insurance Plans, said it's too soon to know how much insurance costs went up in states that extended eligibility for dependent coverage. When evaluating the additional requirements, he said, each one by itself amounts to a small increase in the cost of a policy, usually adding less than 1 percent. But, eventually, those mandates add up. Eventually, they can price health coverage out of range for some employers and their workers, he said.

"Sometimes when states jump on a bandwagon, it's not necessarily the right bandwagon for the people they're trying to help," said Susan Laudicina, director of state research and policy at The Blue Cross and Blue Shield Association.

A better solution is to let insurers offer a mix of plans that appeal to young adults, Ghose and Laudicina said. Such plans typically have low monthly premiums but require the patient to pick up a large chunk of initial medical expense. Plans targeting young adults tend to cost less because those age 19-23 generate about $1,500 in medical expenses a year compared to $3,200 for those 30-49 or $6,300 for those 50-64.

J.P. Wieske, the council's director of state affairs, said that staying on a parent's policy could come back to haunt young adults who develop serious health conditions. Once they develop a serious condition, just like Thomas Mahoney did with epilepsy, they'll find it almost impossible to get insurance. But if they get their own health insurance before the problem hits, they'll have coverage that cannot be terminated.

"The sooner they can get on their own policies, the better off they'll be," Wieske said. "The rates will be cheaper and they're buying something they can keep with them. Wieske is particularly critical of New Jersey's law, which extended dependent coverage in some cases to age 30.

But Sarah Collins of the Commonwealth Fund said she believes the state's approach made sense.

"One of the fastest growing age groups in the uninsured are 19 to 29 year old. Between 19 and 23, you're somewhat protected by your parents plans," Collins said, referring primarily to college students. "But, this age group, from 24 to 29, you really are a new entrant in the labor force. When you are a new entrant to the labor force, you're more likely to be employed by companies that don't offer coverage."

Kaushik Adhikary operates http://www.myinsuranceinsiderinfo.com a blog all about fresh and quality content on insurance and personal finance field. He loves giving away Free Stuffs and now giving away Free 5 Days Interactive Email Course and Free Membership and Newsletters.

For more info, Visit- http://myinsuranceinsiderinfo.com/2008/02/22/family-health-policy-an-outlook/

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If you have you been rated up or declined for health insurance it's probably because you have a pre-existing condition.

Thousands of uninsured, underinsured and uninsurable individuals are facing serious health issues like heart disease, heart attack, diabetes, cancer, stroke, liver disease, AIDS, pregnancy, depression and kidney disease. Any of these pre existing conditions can cause them to be declined for health coverage. Today, you may even be declined if you are over-weight.

It's a real challenge obtaining health insurance for someone with pre existing conditions. However, before we get ahead of ourselves, here are some questions we need to address.

What is a pre-existing condition?

A pre-existing condition is any injury or sickness for which diagnosis has been made, treatment has been recommended, treatment has been rendered, or expenses have been incurred within a set amount of months prior to the effective date of coverage (usually 3, 6 or 12 months and this can vary by state). It includes any condition manifesting itself in symptoms which would cause a prudent person to seek medical advice.

What is a pre-existing condition exclusion period?

Insurance companies try to discourage people from waiting until they get sick to purchase medical insurance. This is accomplished by imposing what is known as a preexisting condition exclusion period. This simply means, if you have a medical problem which exists at the time you purchase insurance, the insurer will deny the claims pertaining to that medical problem for a certain period of time.

The rules governing preexisting condition exclusion periods in individual health policies vary widely from state to state and are very much different from the rules of an employer-sponsored plan. If you have or recently have had health coverage, you may be able to apply this creditable coverage to offset a preexisting condition exclusion period.

Why all the hoopla over a pre-existing condition?

The biggest stumbling block with private individual medical insurance is the problem with preexisting conditions. Plain and simple... insurance companies don't like preexisting conditions. They know in the long run... it will cost them more money to insure you. Frankly, insurers prefer to insure people who are not very likely to need the insurance.

But stop and think! Who doesn't have some kind of health or medical issue? It may be something as simple as asthma or as complex as cancer. Some pre-existing conditions can be managed and these individuals can live a relatively healthy and normal life.
Yet, insurers can and do turn down "high risks" individuals for coverage because of an existing or previous illness. Even if coverage is found, the premiums charged are often unaffordable. Sometimes the individual may end up with a modified policy paying more because of their medical history or having to take a policy that excludes their pre existing conditions.

Are there things I can do to get healthcare coverage?

Here are some choices for obtaining health coverage. See if any apply to your situation.

(1). Employer-sponsored group health plan

(2). Join a professional organization (e.g. Chamber of Commerce)

(3). Individual health insurance

(4). State risk pool (if one exist in your state)

(5). Discount health cards

(6). Guaranteed Issue Health Insurance

Whether covered by insurance or by some other means, the total cost of health insurance for someone with pre existing conditions is high enough to dramatically impact that person's lifestyle.

Today it is important for all of us to lead a healthy lifestyle. However, if you already have a preexisting condition that is keeping you from getting affordable health coverage, you should investigate the 6 options listed above to see which would work best for you.

Rudy Wilson is an avid proponent of affordable health insurance and a researcher of guaranteed acceptance health insurance plans. To learn about the guaranteed acceptance health insurance plan that Rudy recommends after extensive research, visit http://www.UninsurableHealthSolution.com now.

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It is essential to people to love themselves because without self love we can not truly give love to relationships or receive love. Self love involves celebrating our unique and special gifts we offer to the world. It is important to nurture ourselves: physically, mentally, emotionally, and spiritually and maintain balance in all of these areas. It is important to treat ourselves with kindness and love and affirm all the positive qualities we posses on a daily basis. It is important to believe in a higher source (g-d) outside of ourselves so we do not become selfish and narcissistic.

We all need a safe and nurturing relationship so we can grow and develop. We need an environment where we feel: safe, secure, consistent and stable. You might wonder what a safe and nurturing relationship looks like? The foundation of a healthy relationship is built upon self love and mutual respect. It is important to speak your truth with yourself as well as in all relationships. An authentic relationship with ones' self is essential in making healthy loving relationships with: a friend, neighbor, co-worker, mom or dad, sibling, girlfriend, husband or wife.

We need to feel that are boundaries are respected. Healthy boundaries are vital in relation to optimal love. Physical boundaries relate to creating: adequate sleep, healthy dietary habits, exercise on a regular basis, time to be alone, time to follow your passions and hobbies, time for your loved ones and family. Emotional boundaries relate to: how you communicate and how your communication is received. Healthy loving relationships are: respectful, loyal, honest, supportive, reliable, trusting, humble, considerate, and respectful. Intimacy is also important in a loving relationship. Intimacy can be thought of as "into me........you see." It is important to be honest with your thoughts and feelings and to communicate them in a healthy manner in order to develop a loving connection.

Love is a participatory emotion. We create it rather than passively waiting for it to arrive. Self awareness of feelings, self love, honesty, respect, balance (physically, mentally, emotionally, and spiritually), trust, support, loyalty, and healthy boundaries are essential to create a true loving relationship. Self awareness allows us the foundation to communicate in a healthy way. Love is hard work but the benefits are infinite.

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Our grandmothers have known this for a long time. Now many
physicians and healthcare providers have begun to also embrace this
concept as numerous recent studies document the statistical
relationship between past trauma and current health.

Our grandmothers have known this for a long time. Now many
physicians and healthcare providers have begun to also embrace this
concept as numerous recent studies document the statistical
relationship between past trauma and current health.

But how does this happen?

To address this question, health psychologist and author Kathleen
Kendall-Tackett examined her own field of study as well as the child
maltreatment literature. Her examination of the numerous studies in
both fields helped her identify five major pathways leading from past
abuse to current negative health conditions. In her book, The Lifetime Health Effects of Childhood Victimization, she lists these five pathways:

Physiological pathways

• Trauma causes your sympathetic nervous system to become morereactive. In the stress management literature the sympathetic nervoussystem activates the fight or flight stress response.
• Trauma can cause your levels of stress hormone to become permanently dysregulated (medicalize for "out of whack."
• Trauma may cause you to be more sensitive to pain as it may lower your pain threshold.

Behavioral pathways

• Because of past trauma or abuse, you may find yourself engagingin risky or harmful behaviors such as using alcohol or dangeroussubstances.
• On the flip side, you may ignore engaging in health-promoting behaviors such as proper exercise or eating.

Cognitive pathways

• As a trauma survivor you may be more likely to have negative beliefs about yourself and others
• Negative beliefs can undermine your health and may also lead to yourengaging in harmful behaviors and harmful relationships.

Social pathways

• As an abuse survivor, you may find that you experience troublein relationships: divorce, marital disruptions, and social isolation.
• Past abuse may condition you to become revictimized in adulthood.
• Trauma fallout can result in your having a higher incidence ofpoverty, becoming homeless, or having difficulty in school or work. Allof these social problems can negatively impact your adult health status.

Emotional pathways

• Past trauma or abuse may result in your having depression or post-traumatic stress disorder (PTSD).
• Depression or PTSD can suppress your immune system and lead to amyriad of health problems, including increased risk of heart attacks.
  

Healing past wounds to improve your health

Awareness affords you the opportunity to heal,
improve your life, and become more productive. How do you gain such insight and awareness? Start by journaling 15
minutes or so three times a week about what past trauma you have
experienced. As you identify the traumas, ask yourself how each one has
changed or driven your life. You will be amazed at what you learn as your journal pages take on a life of their own.

Once you are aware that a problem exists for you, you can set
the stage for action. Read everything you can about your problem,
consult professionals, and discuss with friends who support you. Then
craft a plan for overcoming your problem and take action.

Speaker and author Ellen Taliaferro, MD lives in Half Moon Bay, CA and serves as the Medical Director of the Keller Center for Family Violence Intervention at the San Mateo Medical Center in San Mateo, CA.

She is the author of three books: WellWriting for Health After Trauma and Abuse, The Physician's Guide to Intimate Partner Violence and Abuse, and A Handbook: Respond to Intimate Partner Violence - 10 Action Steps You Can Take to Help Your Patients and Your Practice.

Dr. Taliaferro can be reached by calling 650-393-3660 or through her websites http://www.healthaftertrauma.com and http://www.wellwriting.org

Lazer epilasyon

Son yillarda lazer epilasyon kalici epilasyon metodlari arasinda en cok tercih edilen metod oldu. Kalici epilasyon fikri bayanlarin yaninda erkeklerinde cok tercih etigi bir method. Yaklasik 20 yildir kulanilan lazer epilasyon yntemi gn getikce daha da yaygin bir sekilde kulanilmaya baslandi. lazer epilasyonun phototermis zelligi sayesinde tene zarar vermeden direkt kil kkne renk veren melanini grerek kil kkn tahrip eder ve kalici epilasyon saglanir.

Lazer epilasyon

Kalici epilasyon fikri insanlarin tylerinden sosuuza kadar kurtulabilmek adina cok byk bir sans vermistir.Agri esiginin az olmasi sonuclarinin eski yntemlere gre daha basarili olmasi; tm dnyada oldukca fazla tercih edilmesine yol acmisdir.Avrupa ve amerikada yaklasik 20 yildir kulanilan lazer epilasyon cihazlari gnmzde teknolojik olarak daha da gelimistir ve sonuclar cok daha basarilidr.Lazer epilasyon 4ile 6 seans arasinda netice almak mmkndr.Seans araliklari ortalama 2 aydir.

Lazer epilasyon

Vcudumuzdaki istenmeyen tylerde kurtulmak iin yilardir sre gelen metodlarin disinda son yillarda basarisi ile kendi ispat etmis olan lazer epilasyon gn getikce yayginlasmaktadir. Bayanlarin disinda erkeklerde son yilarda oldukca fazla bir sekilde bu yntemi tercih etmekedirler. Son yilarda fiyatlarinda geri gelmesi bu yntemi bircok kisinin kulanmasina sebep olmustur.Lazerline lazer epilasyon ve esteik hizmetleri lazer epilasyon konusundaki 5 yili asgin deneyimini 2 subesinde sizlerle paylasmaktadir

Health insurance policy is not only meant to give you a quality health cover but also to give you money for value where affordability, cheapness and adequate cover are determinants. It can enrich you with some extra thousands of dollars while giving you a comprehensive health cover of your choice. This is how.

Buying a multi-policy from the same insurer that have been insuring you in the recent past will certainly qualify you for very good savings that come by discounts. This is more affordable since you are still buying from the same provider and he'll appreciate the gesture by giving discounts. This is better than spending more to engage a new insurer on the same type of policy that your old one could efficiently provide.

Quality health insurance policy that will also help to enrich you can be found where your particular insurer is a member of a network that works to provide free or affordable cover to the poor. Being insured by an insurance company that belongs to such a network of companies inevitably leads to very great decrease in rates chargeable.

Taking advantages of certain options that readily exist in the industry also serve to enrich a potential subscriber. For instance, instead of going blindly to sign up with agents or companies whose rating and delivery are not known is taking a big risk that may turn out very costly. But when a potential decides to try out toll-free customer lines as that offered by the National Health Information Center to make inquiries will better position someone for better policy options.

While it is good to visit some quote sites online to determine how much they charge in terms of rates, and position oneself accordingly for leverage on such offers, it might even turn out better and more affordable to buy policies online where it is available. But one should be careful not to fall into the hands of crooks by checking the ratings of such sites from rating institutions.

Omedo I. Charles is a prolific writer and a magazine reporter. He has several yet-to-be-published fiction manuscripts. He can be contacted on charlesomedo@cbfmail.com

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The employer has a great role to play in keeping the employee happy and secured. The business should have a proper cover of insurance. Business insurance is mandatory now for all the establishment, however each organization can choose the insurance cover based on its capacity and budget.The list of liabilities are endless no matter what ever the efforts of the organization are.

There could be damage caused by fire, or any sort of crime that take place in the office premise. There could also be unpleasant instances like bad food served at cafeteria which has caused some damage to the health of a customer. So in order to safeguard from any sort of social, emotional and physical damage, the company should opt for business insurance.

While going in for a policy the company would prefer the business insurance policy to cover assets like property along with other liability protection. Mid sized business should choose a policy known as business owner's policy which has standardized insurance cover. The Business Owners policy(BOP) assures insurance cover on immovable assets both standard and special.

This plan also covers losses that have incurred due to fire or any other natural calamities. BOP however does not cover auto insurance or workers compensation on health. The expenditure on insurance may look heavy and unnecessary when things are moving fine but when disaster strikes then each and every penny spent as an insurance premium will be useful.

Business insurance policies are normally sold along with property loan or along with insurance policies that are sold on property. In case of disaster strike then you may have no work place to function if you have not taken any insurance cover. Then it would be an easy task for your competitor to take advantage of your situation. So when you are going in for the policy you need to make sure if you can get your business back in motion within 48 hours after the disaster has struck. If the policy does not offer this then you should think if that policy is suitable or not. There is no point in having an insurance cover if the waiting period is large.

So once the company is covered under the insurance policy then in case of any unforeseen events you must get in touch with the agent as soon as possible to process the insurance claims.

http://prospectsb2b.com/business_insurance.html

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Golden Rule Health Insurance of Arizona ( part of the United Healthcare family of companies) is just another of the many insurance companies that the 48th state admitted into the U.S. has to offer. If you live within the state of Arizona and know people that are covered through this health insurance company, then perhaps you may have heard the "follow the Golden Rule and you will find assurance" statement.

Golden Rule Health Insurance Company was founded in the year 1940 by Michael and Mary Rooney. The couple founded it in the city of Lawrence, Illinois; however the main office of this company can be found in Indianapolis, Indiana ever since the 1970's. The most important event in the history of this company was when they were bought by United Healthgroup Inc. in 2003 for the sum of $500 million. Ever since that year the company has been known as one of the most important subsidiaries to United Healthgroup Inc. and can now be found in 28 out of the 50 states of the nation.

Best known across the country for the low-cost and excellent coverage given to its members, Golden Rule Insurance Company also offers their members of selected states the option of Health Savings Accounts (HSA) compatible plans. What this means is that the premium they pay monthly and the costs they will have to pay for the services will be much lower. This is simply due to the fact that a Health Savings Account is a tax-favored savings account combined with a high deductible health insurance plan and the best of all is that they are the main type of consumer driven healthcare. What this means is that a person with an HSA can control their own health care decisions.

Golden Rule Insurance has exceeded their expectations through these three years they have worked under the United Healthgroup Company and are proud of their outstanding service. It is exactly the customer service part of Golden Rule that brings the company to the top of the health care industry. They process about 94% of quotes within 10 days or less and they also offer discounts of 35%-45% for their members thanks to their nationwide network of doctors and hospitals. Because of customer service and the outstanding coverage that they offer their members A.M. Best has given them a rating of A (Excellent) while Standard and Poor's have followed that with an A+ (Strong) rating. United Healthgroup, the parent company of Golden Rule Health serves more than 28 million members in the U.S. and provide higher quality care from an estimated 470,000 physicians in 4,500 hospitals across the country.

Golden Rule Health in the state of Arizona offers seven distinctive plans with many variations. This means that the plans and the network are associated by name, but within the plan the customer can choose their deductibles, their copays and in turn decide how high their monthly premium is going to be. Below you will find the seven plans that are offered in Arizona with a detailed description of what services it has and how much you should be expected to pay when you decide to use those services.

Plan 100: With this plan you have the following choices on deductibles: $1500, $2500, $3500 or $5000. They will pay 100% of the co-insurances on services once you have paid the deductible and the rate is locked for 12 months. For preventive care services (Doctor Visits, Child Immunizations and Mammograms) you wont have to pay anything once you meet your deductible, the same goes for outpatient services (doctor visits, prescription drugs and lab tests such as X-rays). The only thing you would have to pay is an emergency room fee of $100 if you don't get admitted into the hospital in case of going for an emergency. For inpatient services everything is covered 100% once you meet your deductible. It is important to note that since everything is paid for once you meet that deductible; the monthly rates might be a little higher than other plans.

Plan 80: This plan is much the same as the 100 plan. You will be able to choose between $1500, $2500, $3500 and $5000 deductibles and the rate will be locked for 12 months. The difference comes in the co-insurance payments once your deductible is reached. With this plan you will have to pay 20% to $3000. This means that the company will pay 80% of the co-insurance and up to $12000, then everything is covered. For preventive services such as doctor visits, immunizations and mammograms you should expect to say 20%. For outpatient services such as doctor visits, prescription drugs, CAT scans and MRIs you should also expect to pay 20% co-insurance. The emergency room fee is different because if you decide to go you will have to pay 20% co-insurance plus $100 more if you are not admitted. Inpatient services such as surgeries you also will be required to pay 20% of the total cost once your deductible has been met.

Saver 80: This plan is a little different that the two plans we have seen and is the plan with the lowest monthly premium because is the one that charges you more when you use the services. You have deductible choices of $500, $1000, $1500, $2500, $3500 and $5000 and just like the other two your rate will be locked for 12 months. Most preventive care is not covered and you will have to pay 20% co-insurance for preventive tests such as mammograms and Pap Smears. Outpatient Services are also much different under this plan. If you decide to go for a doctor visit you will have to pay full price, in other words you are not covered. Outpatient drug prescriptions are not covered, however a discount card is sent over the mail for members of this plan. Everything else is 20% co-insurance, except that with the emergency room fee you will have to pay $500 if you are not admitted. All inpatient services are 20% co-insurance as well.

Copay Select: This plan is a copay based plan instead of a co-insurance one. What this means is that you will have to pay a particular amount for most of the services instead of a percentage. With Copay Select you will be able to choose from $500, $1000, $1500, $2500 and $5000 in deductibles and your rate would be locked in for 12 months. For preventive care office visits and outpatient doctor visits you will have to pay $35 dollars. The prescription drugs under this plan are divided into tiers (generic, brand name and specialty) and you will have to pay $15, $30 and $60 accordingly. You will have to pay a 20% co-insurance in all the other outpatient services as well as inpatient care. Emergency room fee if you are not admitted is $100.

Copay Saver: This is another copay plan offered by Golden Rule Health in AZ. The plan only allows the member to choose from a $2500 and a $5000 deductible. Most Preventive care is not covered and only tests such as mammograms in which you would have to pay 20% are covered. For outpatient services you will have to pay $35 for a maximum of 2 visits per year, although you can purchase more. The prescription drug tier would $15 for generic with brand name and specialty drugs not covered and everything else would be a 20% co-insurance. The emergency room fee if you are not admitted is $500 and inpatient services are covered if you pay 20% co-insurance.

HSA 100: These plans are compatible with health savings accounts. Deductibles for this plan are $1100, $1850, $2850, $3500 and $5000 for an individual and for a family those deductibles double. The rate is locked in for 12 months and after you reach your deductible you won't have to pay for a single thing. Everything under preventive care, outpatient services and inpatient care is covered 100%. No need for copayments or co-insurances, not even if you go to the emergency room and are not admitted.

HSA Saver: These is another plan compatible with a health savings account. Deductibles for this plan are the same as the other one: $1100, $1850, $2850, $3500 and $5000 for individual and those are doubled for family. Within preventive care you are only covered 100% for tests, other than that you are not covered. Outpatient care is quite different from the other Health Saving Account plan. You will not be covered for doctor visits and for prescription coverage you will only be given a discount card. If you don't get admitted to the emergency room when you go, then a fee of $250 will be implemented. Impatient care stays the same and you will be covered 100% for anything within this category.

To compare Golden Rule United Healthcare Arizona health insurance quotes then be sure and request a quote comparison of Golden Rule against other top Arizona health insurance companies to determine if they may be a good choice for your health insurance needs. Get started comparing individual health insurance quotes today!

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