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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

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.

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Definitely, that lazy butt who did not want to feel the stress on their legs. The sitting position might get you the comfort zone inside the washroom but it's actually harmful to sit and not squat on a toilet seat.

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Visiting the Chennai Fertility Centre can help you as you can conceive easily. The IVF treatment is also known as In Vitro Fertilization. This process involves manually combining the egg and the sperm in a laboratory dish of fertilization. The process is used with the embryo transfer, which the embryo is physically placed inside the uterus.

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Life is great when you can do the things you enjoy. Walking, swimming, taking vacations and being with family are all ways life can be enjoyed. Having health concerns can place a lot of stress and a dark cloud over your life. Feeling unhealthy or worried about health issues can greatly affect your quality of life and well-being. Here are a few places where you can take your health concerns to help you maintain your quality of life.