Thursday, December 25, 2008

The five health insurance plans

Given that competition in health insurance is that increasingly, it is not surprising that more and more forms of health insurance is being developed. Among these, there are some famous and they are described below.

Individual Insurance: To ensure a person is a form of insurance. May we to be selective about what he wanted in the plan through this process. Thus, the premium was calculated, and the insurance plan takes effect.

Insurance group: other types of insurance is the group's business. With this type of insurance, which must comply with what is happening, and it depends on the provider of insurance services. These are the people who decide what is possible to include in the plan, and at the base, a group insurance policy may occur.


Compensation Plan: This plan provides access to a doctor if necessary, does not have this restriction, which seems to be more traditional plans. We do not need permission to go to a health care providers. However, what usually happens is that members pay 20% of the total cost of treatment, while the insurer to pay 80%. In addition, there was a period of up to pay by that means, then took over the company to pay 100%.

HMO: Health Maintenance Organization, which is one that allows members to choose a doctor on the panel. He is a doctor who will be chosen in cooperation with members of the problems. The doctor who was elected to one of them will be addressed in any reviews, and if there is a problem with members who can not be treated by him, called the expert members.

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Monday, December 22, 2008

Health Insurance and health care

Health insurance is something that all the needs of today. The rising cost of health care providers to visit or hospital stay, it is important that each person has a certain type of health insurance. Government statistics estimate that over 40 million people in the United States are not covered by any type of health insurance on certain days. That many people who really take the financial risk.


Even if you are on strict, limited budget, it is very important that you select a certain type of affordable health insurance. Even if you only have a plan that covers unexpected hospital, you're very quiet improved. Please note that the disaster health insurance policy may come with a large deductible before their kicks in the coverage they do not take the cost of visits to the doctor or emergency room visits for get a few stitches.


Some questions to ask when considering affordable health insurance.

1) Can you and / or your family, pay all the expenses you if you are sick or injured?

2) How many have been reduced?

3) How are the premiums?


With a little research and comparison shop, you'll find the best price for your affordable health insurance.

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Sunday, December 21, 2008

Why Our Healthcare System Isn't Healthy

Most people are well aware that about 45 million Americans currently have no health care, but the crisis is simply the absence of health insurance or even the cost of health insurance? Is there a bigger underlying problem at the root of our health care system? Although the United States claims to have the most advanced in the world, government and health statistics peer to provide a solution are painting a different picture - that allopathic medicine often causes more harm than good.

People in general have always felt they could trust doctors and the medical profession, but according to the Journal of the American Medical Association in July 2000, iatrogenic deaths, also known as death doctor or death of error of medical treatment, was the third leading cause of death in America and rising, respect for at least 250,000 deaths a year. These statistics are regarded by many Conservatives as the figures only include in-hospital deaths, no injury or disability, and do not include deaths iatrogenic external such as those resulting from home nursing and other private treatment facilities, and the adverse effects of prescriptions. A recent study estimated the total deaths iatrogenic causes unnecessary Approximately 800,000 per year at a cost of $ 282 billion per year, making the death of American medicine the leading cause of death in our country.


Currently, at least 2 of 3 Americans use drugs, 32 million Americans are from three or more medications a day, and commercials and advertisements for pharmaceutical products have saturated the market. Although our population is aging, exorbitantly expensive drugs are marketed and distributed to younger and younger patients, including many children years would never have been given or needed medication, for everything from ADHD to the asthma to bipolar disease and diabetes. It is clear that the state of health in this country is not yet improving police there is a growing number of medications and treatments. Between 2003 and 2010, the number of prescriptions expected to increase significantly by 47%. In recent years, many drugs already considered safe by the FDA were recalled because of their toxicity, after the drug companies were actually funded invested pharmaceutical companies themselves.

According to media reports, thanks to advances in the U.S. The procedures and drugs, Americans are living longer statistically, but patients live longer, with a declining quality of life, and often dependent on synthesis of several drugs which is not history or address the underlying causes, but only suppress arms, often with a plethora of dangerous side effects to the tune of billions of dollars for the drug industry. Whereas the U.S. is expected to have the most advanced technology in the world and the best health care system, it contradicts that we spend more on health care, are still the most obese and suffering from the disease outside of the AIDS epidemic in some countries.

Unless you have an emergency that requires emergency care, to be admitted to a hospital environment May also be more dangerous to health than to stay outside. In 2003, epidemiologists in the New England Journal of Medicine that nosocomial infections have risen steadily in recent decades, with blood and tissue infections known as sepsis almost tripling from 1979 to 2000. No transaction costs two million patients in the United States get an infection while in hospital each year, and more than 90,000 patients die per year, up dramatically from only 13,300 in 1992. Statistics show that nearly 56% of the population has been treated unnecessarily or ill-treatment, the medical industry.

Moreover, because of the overuse of antibiotics and drugs in our bodies and the environment, our immune systems have not significantly weakened, allowing antibiotic-resistant strains of disease causing bacteria to multiply, we leaving more susceptible to the disease further. Not surprisingly, the incidence of diseases have been increasing in epidemic already absorption spectrophotometer according to the CDC. Now, once thought conquered diseases such as tuberculosis, gonorrhea, malaria and childhood ear infections are much more difficult to treat successfully than they were decades ago. Drugs are not history. They do not remove the arm that your body needs to express, while ignoring the underlying causes. The side effects of synthetic chemicals and drugs, even if they are partly derived from nature have been perverted to make them patentable and profitable, are not healthy or natural, and usually cause more harm than of any perceived benefit from the medication.

Where "physician errors" are concerned, these May not be entirely the fault of doctors because they are force to operate within their profession or risk losing their license, but doctors have become pawns and spokesmen for pharmaceutical companies, and the best interest of the patient has become secondary. In the name of profit, doctors are also under pressure of hospitals for patients as quickly as possible, as an assembly line, increasing the likelihood of error.

In conclusion, increased health care costs are not only the result of frivolous prosecutions, but are mainly the result of a profit that promotes the industry practices that lead to unnecessary and harmful procedures underway , Lethal adverse drug reactions, infections, legitimate expensive trial in hospital and doctor errors, resistance to antibiotics due to the overprescribing of antibiotics and medicines, and hundreds of thousands of unnecessary deaths and subsequent injuries. Many people are not natural that are healthier options, and nothing unnatural or invasive we are exposed to is likely to cause either immediate or cumulative damage over time.

For more information on how to help your body to heal itself naturally without chemicals, information on side effects of drugs, diseases and pests causing chemicals in the food you eat and your environment and how to avoid them

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Sunday, December 14, 2008

How to choose a health insurance

Are you thinking about buying health insurance? With various alternatives, it is very difficult to know which to choose.

When selecting a health insurance plan, not on your decision only on the monthly premium. There are many factors other costs - deductibles, co-payments, and so on - that determine the price tag is your insurance. You need to read the print of health insurance, including what they are and not in the network versus out-of-network coverage and costs, processing techniques, and the coverage limit.


You know the health needs

The first step is to the extent of your needs: coverage only for themselves for large families, or something in between?

Continue to assess the health needs of everything you intend in your health insurance plan. Is there a requirement to take into account? Does anyone have access to specialist doctors or medical facilities?



Research and compare your options

Answers to the above questions is a good starting point for finding the right health insurance plan.

Next, you need to make your options. If you have group insurance through your employer, your options are to the society. This is not the case, you need more research and compare. At a minimum, you must understand the difference between 2 kinds of basic health insurance plan offered today: the indemnity plan, and managed care plan with its variants.


Indemnity plans and managed care --

An indemnity plan offers the freedom to choose when and where to find medical help. Along with this freedom usually come more out-of-pocket costs. For many, this is a fair trade-off.

Managed-care plans more limited, and ask you to the benefits of medical professionals and institutions that are part of the plan of "Network". Participants must often before the authorization for medical services outside the basic preventive care. The cost for this type of plan is usually lower than indemnity plans. For those who are basically healthy, do not forget that the medical services and the need, the cost of medical care, managed care plans are usually better decisions.

This is a very simple comparison of the type of health insurance plans available. This is the first step in collecting your own data and process analysis.


Choose the right company

After homework and you know what you want, you must obtain a health insurance. Many companies offer health insurance, known from giant companies to small independent outlets. As a major purchase, you want to research this company before making the final decision.

Moreover, knowing that countries or federal agents the type of health insurance, check to see if you have questions or problems.

Any type of health plan has advantages and disadvantages. You are in the best interest for the research thoroughly, so that the health plan you choose the right one for you and your family. To this day, and for the coming years.

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How to buy individual health insurance

If you are in the position of spending for each health insurance policy, there are things you want to remember. Are you just work you front door, or at the end of your Cobra benefits, or simply did not have coverage before, there are things you can do to get coverage on yourself and relatives.

Basic that if you try to group health insurance, either through your job or members of the association, which are generally much cheaper than buying individual health insurance your own. First, you need to know what your health insurance, in other words, if, after you? If you are young, healthy as a horse, no dependents and not try to Mt Everest next week, you want May to choose a policy that covers only the disaster, and covers all payments. On the other hand, if you are the only bread winner with a family to support, another scenario.

Basic options, you will cost to service, managed care plans, and the Health Insurance Association. Service fee is a traditional indemnity plan, difficult to obtain, more expensive, but usually great opportunities. Plans managed care, including most of the HMO and PPO. This offers a lower cost option, but you're still a bit limited. Another way to obtain insurance through groups or associations May you have already become members, such as professional, religious or trade organizations. Often they offer in May of health insurance. It is a balanced review, because sometimes you can attack the gold in this vein.


Things to consider when you search for a policy that is included in this plan, how the monthly premium, the annual out-of-pocket, which has been reduced, the number of visits to the Office does not cover preventive medicine, vision, dental? And I'm sure you can do a lot of your own. Meeting before you go shopping and make a list of needs and desires, and decide in advance what will you give to get. Note that when you start to get a quote they can vary up to 50% for the same person! Remember, your shopping, and you do not do anything. If a guarantee is not cut, move to another. If you come in this cold and do not have a good recommendation May be wise to use a broker who represents several companies, such as Wil him more likely to find the best policy for you, and not sell the business for which they work.

Shopping for individual health insurance can be frustrating and time, but if you come armed with facts, you'll be able to navigate this highly competitive and evolving field.


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Thursday, October 16, 2008

3 Essential Tools for Starting and Maintaining a Small Business

by: Ryan Hough
We believe that there are 3 factors that drive the success of small businesses.


1) Acquiring start-up capital
2) Finding customers
3) Accounting for, budgeting and controlling sales and expenses

The following resources will help your small business achieve these success factors.

Acquiring Start-Up Capital

An adequate supply of capital is essential as many profitable businesses fail because they don’t have enough cash to pay their employees and suppliers. But what is an adequate supply of capital? The only way to tell is by doing a significant amount of research on your potential market and formally documenting this in a business plan. I’m sure you know that a business plan is a very important document that is crucial to convincing your banker to lend you money.


There are two ways to obtain a business plan.


1) Do it yourself by amending a business plan template, or
2) Hire a professional to do it for you.


Obviously obtain 1) will be a great deal cheaper.


Our research led to a website that has over 60 high quality and free business plan templates. We also found a directory that you can use to easily find a business plan writer in your city – where ever you live in the world.


Finding Customers


Finding customers is a difficult and expensive task for service business owners such as accountants, lawyers and plumbers. We believe that a cost effective marketing strategy for service business owners is to simply give all their personal contacts a few business cards.


Our research led to a few websites that have pre-designed business card templates. We felt that the diversity and quality of these designs was outstanding. In addition, we found that you can obtain a significant saving by finding a printing service on the Internet. We found that you could get 2,000 full color business cards for as little as US $150.


Accounting For, Budgeting and Controlling Revenue and Expenses


Accurate accounting is very important for small business owners. It’s essential that you have timely access to information that could make or break your business. If stocks are running low – you need to know about it. If a large proportion of your debtors haven’t paid – you need to know about it. If you do not react to these situations quickly you may have a situation where you don’t have enough money to pay your employees – or worse still someone is stealing cash out the till.


Our research led to a website that compares and reviews top accounting software for small businesses. The cheapest software cost US $89.99 and the most expensive software cost US $1,499. It was interesting to note that the top 3 ranked websites were not the most expensive and cost between US $250 - US $300.


Hopefully you now have an idea of some of the tools that you can use to grow and maintain your small business. If you would like to benefit from our research please visit our website. We do not charge for this research and offer the content freely on our website.


About the author:
http://www.best-quality-small-business-resources.com/

Ryan Hough is the webmaster of best quality small business resources.com, who's aim is to help you save time and money by finding reviews and case studies that will enable you to choose the best resources at the right price.



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Monday, June 11, 2007

Why People Buy Life Insurance by Donald Lusan

Have you ever considered why people buy life insurance? I know the salesmen and the creators of the policies themselves have thought about it because if they didn't these policies simply wouldn't sell. Probably the greatest life insurance salesman ever once said that "selling is 98% understanding human beings and 2% product knowledge". Another question that is worth exploring is why do some people not own any life insurance at all. Why would you buy life insurance?


• Love of Family
More often than not the reason people buy life insurance is because they care about what their loved ones will experience if they should die suddenly. This caring can be expressed in different ways. The Hawaiian people, I am told, have such a deep passion for the well being of their families that they will go to extreme limits to protect them. They tend to buy lots of life insurance as a result.
There are others who buy life insurance through a deep sense of responsibility. They love their families but they are driven more by the fact that the family relies on them so they have to live up to what is expected of them.
• Tax Advantages
Some people, especially the business minded, buy life insurance for the tax advantages the purchase provides. The death benefit of the policy is paid free of Federal Income Taxes more often than not. If the policy is part of your estate the proceeds are taxable.
If you own cash value life insurance the cash value and dividends accumulate tax free. When you cash in the policy you will need to pay the taxes on the interest earned. The reason this is advantage is that these policies are usually cashed in round and about retirement time. Your income is likely to be less than when you were working so you would be in a lower tax bracket.
• Tax Shelters
The most highly paid life insurance salesmen are the ones who know the tax laws inside out. Here is how they do it. They are usually qualified Financial Planners. Some are Attorneys or Accountants. What they do is to show well off people legal ways of sheltering their income from Income Taxes. They save them a lot of money. As a result these clients think nothing of putting some of the money in a life insurance policy that they need anyway. They need to buy life insurance to protect their families. A large portion of an estate can easily go to pay estate taxes. These people buy life insurance policies sufficient to pay the taxes upon death.
The reasons we buy life insurance may vastly differ but everyone needs to buy some sort of a policy...if it is even just to take care of final expenses.
Here are some things that everyone should consider:
http://www.lifeinsurancehub.net/estateplanning.html
And for the person who owns a business:
http://www.lifeinsurancehub.net/businesslifeinsurance.html
About the Author
For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable.
Donald's website is: http://www.lifeinsurancehub.net


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