Group items tagged

Women Pay The Price For Health Insurance by Sarah Varney April 2, 2009 Listen to the Story Morning Edition [4 min 40 sec] * Add to Playlist * Download * Transcript In Depth Search For Health Insurance Learn About COBRA Read About A Government Subsidy For COBRA A State-By-State Guide to Health Insurance text sizeAAA April 2, 2009 During the last economic bust, I got laid off and couldn't afford the monthly COBRA payments for my health insurance. I applied for an individual plan through Blue Cross. I was 28 at the time and had no health problems. I was thin and athletic. In fact, I'd done a triathlon and biked from San Francisco to Los Angeles twice. I got a letter from Blue Cross saying I was denied. They told me it was because my medical records showed I'd gone to the doctor complaining of stomach pain. The pain had long since gone away, but Blue Cross said if I wanted insurance, my doctor would need to fax a note guaranteeing I didn't have stomach cancer. He faxed the letter, and eventually I got a plan. It makes you wonder, though, if Blue Cross didn't want to insure me - a healthy 20-something - how on earth do actuaries determine who's a good risk and who's not? "It's very scientific and fact-based," says Jeff Fluke a senior underwriter with the risk management company Ingenix in Minneapolis. Fluke says actuaries first calculate average health costs over a broad population like 28-year-old women or 50-year-old men. Then the underwriter adjusts those averages based on your medical history and health status - your height and weight, and whether you have high blood pressure, asthma or hay fever. "Maybe there's a heart condition," Fluke says. "How long ago was it? What were the treatments? Are you on treatment now? What are the medications you're taking? Because some medications [are] expensive and some aren't." Complex Calculations These complex algorithms boil down to: Will you cost the insurance company more money than the insurer c

Women Pay The Price For Health Insurance by Sarah Varney April 2, 2009 Listen to the Story Morning Edition [4 min 40 sec] * Add to Playlist * Download * Transcript In Depth Search For Health Insurance Learn About COBRA Read About A Government Subsidy For COBRA A State-By-State Guide to Health Insurance text sizeAAA April 2, 2009 During the last economic bust, I got laid off and couldn't afford the monthly COBRA payments for my health insurance. I applied for an individual plan through Blue Cross. I was 28 at the time and had no health problems. I was thin and athletic. In fact, I'd done a triathlon and biked from San Francisco to Los Angeles twice. I got a letter from Blue Cross saying I was denied. They told me it was because my medical records showed I'd gone to the doctor complaining of stomach pain. The pain had long since gone away, but Blue Cross said if I wanted insurance, my doctor would need to fax a note guaranteeing I didn't have stomach cancer. He faxed the letter, and eventually I got a plan. It makes you wonder, though, if Blue Cross didn't want to insure me - a healthy 20-something - how on earth do actuaries determine who's a good risk and who's not? "It's very scientific and fact-based," says Jeff Fluke a senior underwriter with the risk management company Ingenix in Minneapolis. Fluke says actuaries first calculate average health costs over a broad population like 28-year-old women or 50-year-old men. Then the underwriter adjusts those averages based on your medical history and health status - your height and weight, and whether you have high blood pressure, asthma or hay fever. "Maybe there's a heart condition," Fluke says. "How long ago was it? What were the treatments? Are you on treatment now? What are the medications you're taking? Because some medications [are] expensive and some aren't." Complex Calculations These complex algorithms boil down to: Will you cost the insurance company more money than the insurer c

Microfruits Daily Tablets healthy energy boosters Vitamins and minerals are required for digestion and metabolism of food but cooking and processing destroys 80-90% of vitamins present in the food. This food is called as dead food. This dead food when enters our body, steals the vitamins from body resulting into weak metabolic system. Our skin, bone, blood and every cell of body gets replaced by new cell every year. Weak metabolic system and dead food cannot regenerate new cells efficiently leading to low energy, rough & dry skin, weight gain and many diseases. The fast-food served in restaurants and malls is a dead food; you feel very lethargic and low in energy after having food. This dead food has stolen vitamins from your body, pulling your energy down. Microfruits Daily tablet provides 26 different vitamins, minerals and phytonutrients to refill the lost vitamins. Disclaimer: This product is a dietary supplement, not a drug. Hence it is not intended to treat, cure or diagnose any disease.

Gender can cost you in individual health insurance June 22, 2008 When it comes to health insurance, Valencia resident Tova Hack's first problem is that she works part time and thus needs an individual policy for medical coverage because her employer doesn't offer one. Her second problem is that she's a woman. Ads by Google / Ad Feedback * Blue Cross Blue ShieldHealth insurance plans as low as $4/day. Call 1-8... FREE! www.Vimo.com * Individual BlueSave Big on Health Insurance Rates- Get Affordable Brand Name Care Now! www.YourFreeQuotes.com * Nevada Health PlansFree health insurance quotes! Find the right plan and apply online. www.GoHealthInsurance.com * Blue Cross Short Term InsHealth Insurance Quotes Online from Blue Cross. Plans from $50 month. www.healthinsurancesort.com Hack, 22, a grad student at Cal State Northridge, is insured by Blue Shield of California. She just found out that the cost of her bare-bones, high-deductible insurance plan is going up 20%, to $119 a month from $99. But the real surprise -- which Blue Shield neglected to point out in its recent letters to individual policyholders but which was apparent from a close reading of an accompanying chart -- is that men and women will now be charged different rates. The change takes effect July 1. "I don't think it's fair at all," said Hack. "I'm in perfectly fine health." That may be. But as far as Blue Shield is concerned, Hack and all other women are somehow more accident-prone, or more likely to break a bone, or more susceptible to costly ailments. Why? Because they're women. "Our egghead actuaries crunched the numbers based on all the data we have about healthcare," explained Tom Epstein, a Blue Shield spokesman. "This is what they found." That women get sicker than men? "It's all about the statistics," Epstein said. It's not about pregnancy, though. Hack's policy doesn't even cover pregnancy and maternity care. No, this is purely a matter of Blue Shield deciding t

Gender can cost you in individual health insurance June 22, 2008 When it comes to health insurance, Valencia resident Tova Hack's first problem is that she works part time and thus needs an individual policy for medical coverage because her employer doesn't offer one. Her second problem is that she's a woman. Ads by Google / Ad Feedback * Blue Cross Blue ShieldHealth insurance plans as low as $4/day. Call 1-8... FREE! www.Vimo.com * Individual BlueSave Big on Health Insurance Rates- Get Affordable Brand Name Care Now! www.YourFreeQuotes.com * Nevada Health PlansFree health insurance quotes! Find the right plan and apply online. www.GoHealthInsurance.com * Blue Cross Short Term InsHealth Insurance Quotes Online from Blue Cross. Plans from $50 month. www.healthinsurancesort.com Hack, 22, a grad student at Cal State Northridge, is insured by Blue Shield of California. She just found out that the cost of her bare-bones, high-deductible insurance plan is going up 20%, to $119 a month from $99. But the real surprise -- which Blue Shield neglected to point out in its recent letters to individual policyholders but which was apparent from a close reading of an accompanying chart -- is that men and women will now be charged different rates. The change takes effect July 1. "I don't think it's fair at all," said Hack. "I'm in perfectly fine health." That may be. But as far as Blue Shield is concerned, Hack and all other women are somehow more accident-prone, or more likely to break a bone, or more susceptible to costly ailments. Why? Because they're women. "Our egghead actuaries crunched the numbers based on all the data we have about healthcare," explained Tom Epstein, a Blue Shield spokesman. "This is what they found." That women get sicker than men? "It's all about the statistics," Epstein said. It's not about pregnancy, though. Hack's policy doesn't even cover pregnancy and maternity care. No, this is purely a matter of Blue Shield deciding t

Have you ever wondered why there are so many hang-ups about sex in the Catholic Church? Sex is an important part of our lives and so are relationships, passion, emotions. Sexuality in the world is a big deal because our bodies are hard-wired to want sex. We are fully prepared to develop into sexual beings who use sex not only for procreation but also for coming closer to a spouse and having great fun doing it. A D/s-M Lifestyle is a lifestyle in which submissive men and women and slaves of any gender are engaging in all or Dominance and submission lifestyle. Life's Hierarchy is considering sex because our evolution needs us to pass on our genetic knowledge to keep the species alive. How are we listening to religious nutcases and encouraging them to manipulate habits that don't concern them and have no facts to prove their God's impact.

Throughout a sexual partnership, the dominant partner is the one who takes control, while the submissive partner refuses any form of control and generally prefers letting their dominant partner make decisions. Submissive partners don't have to be submissive to ' act like slaves. You would actually choose to let someone else making the decisions on how intimacy should be worked out. Most dom and sub couples find a good balance in the bedroom with the sub being that way, yet domestically dominant. Or they may be submissive at home and dominant at work. If you look at BDSM, dominant partners or membership typically discuss with a willing sub their deepest and darkest desires while the submissive partner allows himself to be dominated and enjoy the resulting sensation of losing all control. For more info about Domination and Submissive lifestyle visit our site.

SCI Healthcare offers a full-service surrogacy program to Indian national and international clients. We currently have more than 600 successful surrogacy births with babies safely home with their families, and more than 100 pregnant surrogates for international clients. We cater to single men and women, and married and de facto couples.

We are proven SCI Healthcare's surrogacy program is proven, many times over! With one more than 600 babies now home with their families, and another 100 on the way, it's clear SCI Healthcare is doing a lot right! We can provide you with references from past and present clients, better still, read about our client satisfaction first-hand from the numerous online blogs praising our service. High success rates Dr Shivani Sachdev Gour and her team are one of the largest and most experienced IVF/surrogacy providers in India. Dr Shivani is "hands-on" - she performs all donor/client scans, egg collections and embryo transfers - she does not outsource this vital work to less experienced doctors. SCI Healthcare's embryology team is experienced and sought after by IVF and surrogacy centres across India. We enjoy a higher than normal positive pregnancy results with 75 per cent of donor egg/surrogacy clients achieving pregnancy on their first try. Ninety per cent of clients are pregnant on their second try, very few clients need to try a third time. Our miscarriage rate is lower than national and international averages. http://surrogacycentreindia.com

Surrogacy Centre India and Isis Hospital, where life begins. We are the leading provider of IVF and surrogacy services in India. Our sole aim is to create families.

Building your immunity doesn't have to be complicated. Most people dread the process because they think they have to follow an awfully difficult diet plan or gulp down bitter decoctions. The good news is you don't have to jump through any of these hoops to increase your immunity and overall wellness. Kerala Ayurveda provides organic jam that is 100% natural, sweet, and comes in convenient packaging. Scoop it out of the jar and spread it over the bread, or eat it as it is. The recommended dosage is 1-2 teaspoons a day, preferably alongside your breakfast. If unsure, consult your Ayurvedic practitioner for the right dosage. This organic jam is made with a special blend of antioxidant-rich ingredients like Amalaki fruit, clove, cinnamon bark, and various other herbs that help build immunity and promote overall wellness. It also contains just the right amount of ghee, which acts as a bio-enhancer for maximum absorption. Apart from improving immunity, this sweet organic jam also helps pacify vitiated doshas, enhances blood circulation, aids in digestion, and helps stay healthy and age gracefully. Visit the official website of Kerala Ayurveda to place your order now.

Oil Change Intervals With improved technology, does the old mantra of 'every 3,000 miles' still apply? by Larry E. Hall Most of us already know that regularly scheduled oil and filter changes are a vital part of routine car maintenance that is necessary for engine longevity. During the miles between changes, the oil in your vehicle's engine gradually becomes contaminated with soot, metal particles, gasoline and other impurities. As mileage accumulates, so do the contaminates in the oil. Eventually, enough impurities accumulate that the filter cannot remove them and the oil cannot keep them in suspension. When this happens, the resulting sludge can dramatically shorten engine life. Even though modern technology has vastly improved engines and the oils that lubricate them, regularly scheduled oil and filter changes are still a vital part of regular, preventative auto maintenance. The question is: Just how often does the oil need to be changed? At regular intervals The old mantra of responsible motorists that said, "Change your oil every 3,000 miles!" is being replaced. Today car manufacturers' recommendations for oil changes range from 5,000 to 7,500, or even 10,000 miles for many cars when operated under "normal" driving conditions-more often if conditions are "severe." Before you relax, let me point out that the way most of us drive is listed as severe by the automotive experts. According to the owner's manuals of many new cars and trucks, normal operation of a vehicle is at least 20 minutes, at a medium speed with a steady throttle, and in a clean environment.

Estrogen dominance is a condition where a woman has excess estrogen and low progesterone. Progesterone Hormone helps in counter balancing the effect of estrogen hormone. Even a woman with low estrogen levels can have estrogen dominance if she has very low progesterone. This was first time recognized by Dr. John Lee. Estrogen hormone imbalance may lead to weight gain especially on hips and thighs. You might have observed that fat deposition on hips and thigh is common in women but rarely in men because estrogen is prominent in females. Symptoms associated with estrogen imbalances are excess fat deposited on hips and thighs, menstrual irregularities, PCOS, infertility, miscarriage, unsuccessful IVF, heavy menses, decreased libido, mood swings, increased triglycerides, forgetfulness, painful and heavy breast. Lipolyzer Hips & Thighs Tablet contains natural herbs and nutrients which help in weight loss and inch loss for females having estrogen hormone imbalance. Lipolyzer Hips & Thighs also contains Garcenia Cambogia whose main role is to reduce the absorption of carbohydrates in the body thereby helps in losing weight, Disclaimer: This product is a dietary supplement, not a drug. Hence it is not intended to treat, cure or diagnose any disease.

Description It is very quite often to see the less desire of sex in female. But, for a happy life it is very important to have the same desire of sex male and female both. And that's why Dr. Hashmi made a product namely Fezinil Capsules to get you rid off from. It is one of the best women sex enhancement treatments that enhance the desire of sex in females and Improves nervous system. It is 100% made of natural herbs and have 0% side effects that make it unique from others. So, why are you waiting? Just book your order on http://hashmimart.in/product/fezinil/ And make your life amazing. Keep smiling and keep growing with Hashmimart.in

It is common knowledge that men prefer a tight vagina for extra sexual pleasures. Generally, the vagina can lose some elasticity due to ageing, menopause, overstretching from childbirth or sexual activities. VAGITOT Vaginal Cream is proven to restore vaginal tissues to help relieve vaginal dryness and even painful sex due to menopause. Menopause can cause changes in the vaginal tissues, called vaginal atrophy. This can lead to vaginal dryness, itching and burning, and painful sex. VAGITOT Vaginal Cream treats the underlying cause of vaginal dryness and painful sex, to restore the tissues that provide elasticity and lubrication. And you don't need to use it forever; just for as long as you need treatment. http://hashmimart.in/product/vagitot/

New Health Dialogue - logo Health Policy Facts February 27, 2008 - 1:57pm - admin "We're raising the first generation of children who may live sicker and die younger than their parents." --Risa Lavizzo-Mourey, president of the Robert Wood Johnson Foundation Upcoming Events February 27, 2008 - 2:11pm - Paul Testa Upcoming Events Obama and Health Care Reform Wednesday, September 23, 2009 12:00pm - 1:30pm American University Washington College of Law 4801 Massachusetts Avenue, NW Room 603 RSVP here Recent Events: Health CEOs for Health Reform To see a webcast of this event click here The Wireless Future of Health IT For a summary of this event click here New Health Insurance Marketplace For a summary of this event click here CEOs for Health Reform To see a webcast of this event click here For previous events click here Health Policy Links February 27, 2008 - 2:17pm - Joanne Kenen * Who We Are * NEW SITE: The State of State Health * Health Policy Program Website * Guide for Journalists * Guide for Hill Staff New America Blogs * The American Strategist * Blockbuster Democracy * Climate Action * Ed Policy Watch o Early Ed Watch o Ed Money Watch o Higher Ed Watch * The Ladder * New America Voices * New Health Dialogue * Political Reform * The Religious Center * US Budget Watch * Wireless Future * The New America Network Topics Ambulance Diversion California California Cancer Chronic Disease Comparative Effectiveness Comparative Effectiveness Congress Cost Cost Coverage Disparities Emergency Rooms Employer Burden Global Health Good News HC4HR Health Care Health Insurance Health Insurance Health IT Health Politics Health Reform Health Reform Hospitals Hospitals Individual Mandate In the News In the States Lessons of 93 Mandate Massachusetts Medicaid Medical Errors Medical Homes Medicare Nurses Obama palliative care Payment Policy Payment Reform Prevent

New Health Dialogue - logo Health Policy Facts February 27, 2008 - 1:57pm - admin "We're raising the first generation of children who may live sicker and die younger than their parents." --Risa Lavizzo-Mourey, president of the Robert Wood Johnson Foundation Upcoming Events February 27, 2008 - 2:11pm - Paul Testa Upcoming Events Obama and Health Care Reform Wednesday, September 23, 2009 12:00pm - 1:30pm American University Washington College of Law 4801 Massachusetts Avenue, NW Room 603 RSVP here Recent Events: Health CEOs for Health Reform To see a webcast of this event click here The Wireless Future of Health IT For a summary of this event click here New Health Insurance Marketplace For a summary of this event click here CEOs for Health Reform To see a webcast of this event click here For previous events click here Health Policy Links February 27, 2008 - 2:17pm - Joanne Kenen * Who We Are * NEW SITE: The State of State Health * Health Policy Program Website * Guide for Journalists * Guide for Hill Staff New America Blogs * The American Strategist * Blockbuster Democracy * Climate Action * Ed Policy Watch o Early Ed Watch o Ed Money Watch o Higher Ed Watch * The Ladder * New America Voices * New Health Dialogue * Political Reform * The Religious Center * US Budget Watch * Wireless Future * The New America Network Topics Ambulance Diversion California California Cancer Chronic Disease Comparative Effectiveness Comparative Effectiveness Congress Cost Cost Coverage Disparities Emergency Rooms Employer Burden Global Health Good News HC4HR Health Care Health Insurance Health Insurance Health IT Health Politics Health Reform Health Reform Hospitals Hospitals Individual Mandate In the News In the States Lessons of 93 Mandate Massachusetts Medicaid Medical Errors Medical Homes Medicare Nurses Obama palliative care Payment Policy Payment Reform Prevent

Ovral- G is a newly discovered Oral Contraceptive Pill used to prevent pregnancy in females. Ovral-G is available in the blend of Levonorgestrel and Ethinyl Estradiol. Ethinyl estradiol consists of two hormones like oestrogen and progesterone. They stop the release of an egg, it shows its action by altering the mucus lining of the uterine wall and therefore sperms are not able to reach the eggs and averting them to get fertile and avoid the pregnancy in ladies.

Up to Speed The latest buzz in L.A.'s car culture. « Previous Post | Up to Speed Home | Next Post » Price of a new car hits 30-year low -- but not in California May 14, 2009 | 8:00 am Dealerprices Californians may not agree, but a new car is more affordable to the average family now than at any time in the last 30 years, according to a new report. Buyers can expect to see an average of $2,931 in incentives off the price of a new vehicle. In some cases, such as buying a Chrysler, a consumer can expect to get as much as $6,000 off the price of a new vehicle as dealers seek to move inventory amid a recession -- and in Chrysler's case, a bankruptcy -- and a sudden downshift in sales nationwide. The average price of a new vehicle nationwide is $1,700 less than in the final quarter of 2008, according to Comerica Bank's Auto Affordability Index, which has tracked auto prices since 1979. California buyers likely will see a smaller drop in average price. A temporary 1% rise in the state's sales tax that began April 1 and a doubling of license fees to arrive May 19 add about $400 to the average price of a new car. A provision of the nationwide economic stimulus package, however, allows them to write off a portion of the sales tax and license fee on any new vehicle bought between Feb. 17 and Dec. 31 this year. Nationally, the survey found it took 21.5 weeks of work for a median family to buy an average-priced new car or truck, or 1.3 weeks less than in the fourth quarter of 2008. It also found that consumers are getting better interest rates from dealers as credit slowly returns to the market. Financing, though, may not be available to as many potential buyers as before.

send to a friend printable version What that car really costs to own Knowing a vehicle's cost over time can save you thousands in the long haul Illustration of a car blowing money out the exhaust Illustration by Carlo Stanga A less-expensive car can cost you more in the long run than a more-expensive alternative, our new ownership-costs comparisons have found. At about $17,500, a Mitsubishi Lancer could cost $4,000 less than a base Mini Cooper to drive home. But when you estimate the total costs of ownership for each car, the Lancer could cost you $5,000 more over five years. A Toyota Highlander can cost you $3,000 more to purchase than a Ford Explorer V6, but owning the Ford after five years can cost $6,750 more. In addition to shopping for a good deal, car buyers should also consider how much a model will cost them to own. That includes depreciation, fuel costs, interest, insurance, sales tax, and maintenance and repair costs. To help, Consumer Reports is introducing its new owner-costs estimates, which can help you compare models and could save you thousands of dollars. The "owner costs" Ratings cover one, three, five, and eight years of ownership and are based on a comparison of all models within the Consumer Reports database over eight years. Because depreciation is factored in our estimates, we assume that the vehicle will be traded in at the end of the term.

Fernandez Stork Home is the top natural birth hospital in Hyderabad, supports natural birth to the fullest, unless there is any emergency medical complication. Natural childbirth allows you to remain in control of your body as much as possible. If you choose natural labour, you accept the potential for pain and discomfort as part of giving birth. With the right preparation (childbirth classes) and support (especially of a professional midwife) you will be confident and empowered to make decisions. Stork Home, the best natural birth hospital in Hyderabad, offers you different types of preparations and motivation needed for natural childbirth.

Lipolyzer Herbal Slimming Tea is a sweet and tasty blend of powerful herbs which helps in weight loss and inch loss. You must follow the diet plan provided with the pack for maximum benefit; you may contact NutroActive nutritionist during office hours for any queries. There are two main mechanisms through which Lipolyzer Herbal Slimming Tea helps in weight loss; first - it helps in reducing water retention in the tissues and second - it may improve the metabolic power of liver to burn more fat. Apart from weight loss Lipolyzer herbal tea has several other benefits. It contains antioxidant which helps protecting our body from harmful toxins, it is anti-inflammatory hence may reduce joint and muscle pain. It's easy to prepare Lipolyzer herbal slimming tea; you may use both water as well as milk.

You'll love the best Dom sub relationship and lifestyle stories. Read quick, famous stories on life hierarchy about being dominant and submissive. A spot you can submit short stories of fantasy or non-fiction or Dom and sub lifestyle scenarios.