ALL YOU NEED TO KNOW ABOUT SHORT TERM HEALTH INSURANCE PLANS

Who Needs Short Term Health Insurance Plans?

Having one offers you peace of mind and ease of pocket by giving you protection against large medical bills. If you ever require medical care, these companies will share the burden of the medical bills with you. It is almost a necessity now with the ever-increasing cost of medical care and medications.

However, there may be some instances in your life that you may be left without the protection of a health insurance. For examples:

If you have just completed your education, your student health insurance that would have provided you coverage previously may have ceased tobe effective. If you are currently unemployed and looking for a job, you may be without a medical coverage. If you have just resigned from your job which previously offered you a group health insurance, you will be left without any until you find another. If you are travelling to U.S. for a short period of time as an international student or as an employee, you may want onw to cover you during your stay.

The great news is there is a perfect solution to these instances that you are left with no health insurance protection – a short term health insurance.

How Long Is Short Term?

While most of these plans cover you from one to six months, there are those that offer you coverage for up to a year. The period basically depends on your stipulation. You can always renew your short term health insurance plans if you require coverage for a longer period. However, most of them do not run for more than a year.

Advantages of Short Term Plans

They do not require you to undergo physical examinations The application process is easier with lesser paperwork and effort than for a general health insurance. However some companies may charge you a nominal fee for processing your application. Your coverage becomes effective from the time the company gets your first premium, which can be within 24 hours of submitting the application for the insurance. They do cover you for accidents and sudden illnesses. Often you are allowed to visit doctors and medical facilities of your choice.

Disadvantages of Short Term Plans

They usually do not cover pre-existing health conditions (something you may have received treatment for within the past 5 years). They also do not cover routine medical care such as dental, optical and medical check-ups. They do not cover medical bills pertaining to pregnancy and childbirth. They do not guarantee renewals. So suppose you had taken a 3-month plan and you get into an accident on the 3rd month, the company will cover your costs only for the 3rd month. However, you may need on-going medical care during the 4th and 5th months. You are not covered by the insurance during the 4th and 5th months and there is no guarantee that you current company will renew your policy. If you want to go somewhere else for a short term insurance policy, they will also not cover your medical costs pertaining to the accident as it will be considered a pre-existing condition. People with pre-existing conditions may find it difficult to get a short term health insurance. If they do get one, it would probably be more costly.

While short term health insurance may prove to be useful to many, there are some people who would prefer a general one. One reason is because, they may not know the exact time-frame they require the short term coverage. Furthermore, for those looking for a job, there is also no guarantee that their new employee will provide group medical plans. Study your needs and situation carefully when deciding on a short term health insurance.

The pharmaceutical companies who manufacture weight loss pills are enjoying a boom time at the moment feeding off the desperation of a populus that is increasing in weight year after year.

Sales of prescribed weight loss pills and over the counter variants are going through the roof since the health scares surrounding types of this product caused it to be removed from circulation during the late 1990s. Links to heart valve disease were something of a death nail to the weight loss pill market.

Nowadays, the weight loss pill is experiencing a renaissance. According to the pharmaceutical companies these weight loss pills are made completely of natural ingredients and are no longer of risk but yet they are still dogged by health issues.

Weight loss pills can be either prescribed or bought over the counter and the difference between the two are briefly highlighted here:

Prescription Weight Loss Pills:

Weight loss pills that are prescribed are regulated by the Food and Drug Administration agency. These pills have been monitored and scrutinized by the administration prior to use by the general public and as such are deemed the safer option.

The most popular of these is Xenical which works by reducing the amount of fat consumed by the body by 30 %. Unfortunately, Xenical is still dogged by side effects that include passing gas, abdominal cramping, increased number of bowel movements, leakage of oily stool and a loss of total control over bowel movements.

Over-the-Counter Weight Loss Pills:

The temptation to use over-the-counter weight-loss pills is often irresistible and the fact that many are not regulated warrants the question, are these products safe?

There are many pharmaceutical companies cashing in on the revived weight loss pill market and this is mirrored by the myriad of products available. Here is a shortlist of products, their claims and what you need to know:

1 Hoodia:

Possibly one of the better known products, claims to decrease appetite substantially.

Verdict: No conclusive evidence to support any of their claims.

2. Alli:

Reduces fat absorption by the intestines. A lesser strength variant of Xenical.

Verdict: As one of the few FDA approved over the counter weight loss pills it has the benefit of backing to substantiate its weight loss claims.

3. Guar gum:

Stops absorption of fat and suppresses appetite.

Verdict: Unlikely to cause weight loss, can cause gastrointestinal problems.

4.Green tea extract: Much revered in certain circles as it is claimed to increase metabolism

Verdict: Limited supportive evidence.

There are literally hundreds more all with relatively the same verdict. There is one resounding factor that all of these weight loss pills have in common. They all state that they are more effective when used in conjunction with a diet and a exercise routine.

If you decide to use a weight loss pill and follow its instruction to use a diet and an exercise program isn’t that hiding whether or not the tablet is effective or not?

Personally, I would forget the weight loss pill and look for an effective weight loss plan that will:

1. NOT tell me to go on a low calorie diet yet still provide me with fast but sustained weight loss

2. NOT put my health at risk

3. NOT cost a fortune

4. NOT be difficult to keep up

Never take diet drugs if pregnancy is suspected or if you are allergic to sulfites and tartrazine. Individuals under 18 or over 60 should consult their doctor prior to taking weight loss pills

 

Healthy and nutritional eating keeps body healthy and active. Healthy eating for men is the combination of nutritional and proper diet. If you think that by including more and more quantity of meat you can help you gain good health then it is not the fact. Excess of anything is always bad and similarly excess eating of meat can also harm your body.

Hence men’s tips for healthy eating include balanced eating.

Doctors recommend that daily consumption of not more than 52 grams meat. According to diet experts extra consumption of high protein diet might be harmful for kidney and may result in kidney problems and coronary artery disease.
During exercise body muscles burns carbohydrate called glycogen and for keeping body working properly it is essential to keep optimal level of carbohydrate in body. For this, men must eat a diet full of whole grains, potatoes, beans and any other food containing carbohydrates. Whole grains such as brown rice, millet and whole wheat breads are the source of carbohydrates. Men need to limit the consumption of white refined foods and eat food with required amount of carbohydrates.

· If you are body building then add protein in your diet. Protein assists in making muscle and blood. Lean meat, fish, lentils and low dairy product are good source of protein. Make sure you do not add extra amount of protein than required for your body as it may convert into fat.

· Add vegetables serving in your food.

· Try to go for bakes, steamed and roasted food.

· Add 2 to 3 servings of fruits every day in your food. You can eat it between meals or even with meals you can eat fruits.

· Have lighter lunch and then have heavier meal.

· Drink everyday 6 to 8 glass of water.

Good food is the energy source for your body. Your body works well if you are having food that is full of required nutrition like protein, minerals, carbohydrates and vitamins.

Mental health care needs are on the rise with more and more people suffering in silence. Depression is one form of mental health care that people tend to ignore because of the stigma associated with this type diagnosis. There are many causes of depression including the death of a family member, break up of a marriage, and failing health. Many people see this condition as a weakness that can be prevented but this is far from the truth.

Depression is a chemical imbalance which causes a person to feel blue and down trodden. If left untreated it can lead to thoughts of suicide. Many people are good at hiding their feelings because they don’t want the public to know they are ill. People who suffer from depression often feel worthless and they think nobody cares about them. Some people will begin spending more and more time in bed sleeping and they may experience a loss of appetite. Mental health care intervention can be a big help towards restoring normal day to day functions.

The Need For Understanding

People who suffer from mental health problems have an additional need for compassion and understanding. The stigma of mental health care is a big part of the problem of escalating mental health illness cases. Mental health workers are looked upon as “shrinks” and most people will try to avoid them. The public needs to be educated about mental health and the needed care that goes with it. Offering understanding is the first priority in getting help for that friend or loved one. Showing that person you understand they are ill and not “crazy” is an important step. Offering support can go a long way towards helping that person heal.

Seeking Help

If you or someone you know is suffering from a mental illness it is important to understand that there is help available. Mental health care can provide emotional support and help with understanding and treatment. Counseling can help the patient explore the reasons for their feelings and get those feelings out in the open. Once those feelings are faced head on there is a real hope of healing.

Some people will need the added support of anti-depressants to help them get back on their feet. Often these drugs can be taken on a temporary basis. With the support of counseling and anti-depressants the patient can return to a normal life much sooner than they expect. Once people approach mental health care as being an illness instead of a stigma they can begin the healing process without having to worry how other people think.

      What is Home Health?

Home Health Care is skilled nursing care and certain other health care services that you receive in your home for the treatment of an illness or injury. This could also include physical, occupational, and speech therapy. Medicare Part A will cover home health expenses at 100%. Private duty home care is not covered by Medicare and is paid for by the individual receiving the service. This type of service usually includes housekeeping and other routine personal care services (cooking, laundry, and shopping, and live in care givers.).
This could also include physical, occupational, and speech therapy. Medicare Part A will cover home health expenses at 100%. Private duty home care is not covered by Medicare and is paid for by the individual receiving the service. This type of service usually includes housekeeping and other routine personal care services (cooking, laundry, and shopping, and live in care givers.).  

***FREE OF CHARGE***if Medicare approved

Call or email now to see if you are Medicare/Medicaid Qualified
If you or someone you know needs help with
1. Diabetes
2. High Blood Pressure
3. Wound Care
4. Arthritis/Joint Pain
5. Any Chronic Illness or Disease
We Also Provide:
1. Light House Keeping/Laundry Services
2. Senior Transportation
3. Meal Preparation
4. And Much More At No Charge to YOU!!

CLICK LINK BELOW TO WATCH VIDEO ABOUT HOME CARE  http://www.tahc.org/associations/1626/files/TAHC new VO.wmv

II. How to get Medicare Home Health Care: 

• Your doctor must determine you need medical care in your home.

 • You will need at least one of the following services: skilled nursing care, physical or speech therapy. 

• You must be homebound. Homebound means that leaving your home is a considerable and taxing effort

III. What qualifies as Skilled Home Care Services?

• Wound Care for pressure ulcers or surgical wounds 

• Physical Therapy (fall prevention, recent fractures, recent stroke, TIA’s, endurance issues, or transfer training) 

• Occupational Therapy (recent strokes, ADL training-such as dressing, grooming, and bathing)

• Speech Therapy (swallowing issues, aspiration, recent stroke, pneumonia)

 • Patient and Caregiver education

• IV Therapy

• Injections (diabetes, B-12)

• Medication Management

IV. Home Health vs. Hospitalization:

• In many cases home health care services may be appropriate to prevent an individual from being hospitalized.

• Most patients and their families prefer to stay at home rather than be placed in the hospital or skilled nursing facility when their condition allows them to remain at home.

• Home health care is usually less expensive and in some cases just as effective as care in a hospital or skilled nursing facility. 

Home health care assists a person in their recovery from an illness, accident, surgery, or change in their medical condition. Professional health care and rehabilitation services are delivered in a person’s home environment under the direction of their personal physician.        

Services offered include:     

Skilled Nursing 

24/7 Availability     

Physical Therapy 

Wound/Ostomy Care   

Occupational Therapy  

Infusion Therapy   

Speech Therapy 

PT/TNR results in home  

Home Care Aides 

Pain Management    

Medical Social Workers 

Rehabilitation 

Who pays for home health care?

If you are Medicare eligible and qualified for care, there is no out of pocket cost to you. Home care can also be paid for by many private insurances or a variety of public programs.

To qualify for Medicare home health services, there are five basic requirements:

1. Your physician must determine that you need home health care services

2. Your own physician must write the orders for home health services, and oversee your care

3. You must need skilled services that are provided by a nurse or therapist

4. Your physician must determine that you are homebound, requiring considerable effort and help to leave home

Because benefits and requirements can vary, we can help you check with payors about your specific benefits, even before beginning services, so you can have this information at the start of care. 

-Medicare pays 100% of the cost for home health care for individuals 65 years of age or over or permanently disabled.

-Private insurance will pay for home health care. Benefits vary per policy and verification of benefits is required.

-Medicaid pays 100%. Pre-authorization is required.

-Workers Compensation Insurance.-Private Pay.

We can HELP you in a number of ways.      

   ·     Patient specific health data with observations by a professional nurse are reported to the physician. 

 Helping patients and their families to understand and follow physician’s orders regarding nutrition, special diets, medications, and general nursing care:

 ·       Assisting with home management of catheters and feeding tubes.

 ·     Giving injections ordered by the physician and teaching patients and family the proper techniques for doing so. 

  ·       Helping patients restore strength and independence through physical therapy exercises, 

Educating diabetic patients on how to manage diet, insulin, and other health related measures.  Enabling the patient with ostomy how to resume a full, active life.

 ·        Assisting patients with bathing and personal grooming (ADLS).