Healthcare Recovery for the Gulf Coast

A recent article in the USA Today stated that there was a 47% rise in deaths in the Gulf Coast states within the impact area of Hurricane Katrina as a result of the loss of healthcare professionals in those areas. Healthcare professionals displaced by Hurricane Katrina, many laboring under the burden of student loan repayments and the daily financial needs of life assimilated themselves into their new home community as they landed in cities and towns across the United States.

Now that the cities of the Gulf Coast are rebuilding they are discovering that these healthcare professionals are not rushing home to the Gulf Coast.

Startup cost for a private medical practice vary between $100,000 and $200,000 for rent, business insurance, malpractice insurance, equipment, supplies, information systems, computers and simple office decorations. Most of the healthcare providers in the Gulf Coast region lost well-established practices and if they were insured at all they used the funds from those insurance payments to begin again in their new communities. Unfortunately, healthcare practices in 2007 have little resale value; particularly, when only one or two years old. Even if these professionals were inclined to move back to the Gulf Coast region, they face significant financial hardship in accomplishing that feat.

Add to this the lack of meaningful business recovery and a decline in the number of insured patients in many of these regions. The sad facts are that employment statistics and new business starts in the areas most affected by Hurricane Katrina are well below national averages. Healthcare providers, now comfortable in their new homes, find little inducement to assume the responsibilities, liabilities and hardships of returning to their former practices and even when they do often find that their former patients have yet to return as well.

Physicians are not the only individuals affected in this fashion. Hospitals that have already reopened in the Gulf Coast region are finding it more difficult to recruit nurses in a nation where there are already nursing shortages. Even when temporary staffing agencies provide nurses, known as travelers in the industry, to the Gulf Coast region to fulfill short-term contracts, most of these nurses decline the opportunity to extend their stay, take full-time positions, or return at a future date.

Much of the problem is that as healthcare has moved from the individual private doctor and the small community hospital to large corporate enterprise, it severed its relationships with its healthcare professionals seeing them more as expendable drones and less as a necessary and valued part of the healthcare delivery system.

Healthcare professionals regularly find themselves mandated to choose between maximizing patient flow and maximizing patient safety. They are often forced to forego important family events under threat of suspension, retaliation or termination. When the healthcare professional finds a home where they can achieve a level of work/life balance, it is difficult if not impossible to dislodge them again. It took a hurricane to dislodge these professionals from the Gulf Coast and nothing short of another force of nature, perhaps this one favorable, will move them back.

Dr. Maurice A. Ramirez is co-founder of Disaster Life Support of North America, Inc., a national provider of Disaster Preparation, Planning, Response and Recovery education. Through his consulting firm High Alert, LLC., he serves on expert panels for pandemic preparedness and healthcare surge planning with Congressional and Cabinet Members. Board certified in multiple medical specialties, Dr. Ramirez is Founding Chairperson of the American Board of Disaster Medicine and a Senior Physician-Federal Medical Officer for the Department of Homeland Security. Cited in 24 textbooks with numerous published articles, he is co-creator of C5RITICAL and author of Mastery Against Adversity. Dr. Ramirez invites comments at: http://www.disaster-blog.com

Tags : transcend 8 gb class 6 sdhc flash memory card ts8gsdhc6e Wholesale Diamonds Healthy Low Calorie Recipes Restaurant Favorite Recipes

Review Canker-Rid®

Canker-Rid® Best Review

This product is absolutely amazing! I have tried many products such as mouth wash, over the counter items that contain benzocaine to numb canker sores, prescription mouth wash, Avamins, and Canker Melts. None of them worked the way I wanted (fast and long lasting). This product works immediately to relieve pain and speeds healing. I get canker sores on my tongue and can sometimes hardly talk but all I have to do is apply this in the morning and I am good the rest of the day. I usually brush after applying because it leaves a brown residue on the teeth sometimes. This is a must buy if you have canker sores trust me. I wish I knew about this product years ago.

Check For More Special Promotion, Now at Amazon.com

Canker-Rid® Feature

• Effective canker sore treatment.
• 100% Money back guarantee if not satisfied
• Immediate relief of pain and healing process
• Low Cost Next Day Delivery Available
• Read customer reviews!!

Canker-Rid® Overview

If you suffer from Canker Sores or Mouth Ulcers, or Cold Sores (fever blisters) then Canker-Rid is what you have been looking for. DO NOT go one more day in agonizing pain. Order a bottle of Durham's Canker-Rid for only .95. (This will last the average person 6 months)

Canker-Rid is the best treatment for canker sores, mouth sores as well as mouth ulcers. Ordering Guaranteed canker sores treatment is quick and easy. You can get your canker sores, mouth ulcers and mouth sores treatment quickly and drastically improve your quality of life. Just use our easy secure online ordering and your canker sores, mouth ulcers and mouth sores solution will be on its way to you promptly.

Available Now => Check For More Special Promotion, Now at Amazon.com

Customer Reviews

The only remedy that works for my canker sores - Mark Bely - Bay Area, California
Thank you so much, Tim Durham! Your Canker-rid is the only remedy that works for my canker sores. I have been your customer for about 5 years now. Every time I order, the shipment arrives very quickly. I actually just received one today. I also like the honey candy that is included in every purchase. It's yummy :) But the most important thing is that Canker-rid really works. If you suffer from recurring canker sores, like me, get it and you will not be disappointed.



Amazing Stuff - D. Luttenegger - Iowa
This stuff really works....don't waste your time with the prescriptions and Dr. visits....save your money and use Canker-Rid....worth 10 times what it costs...just try it and you will see...enough said !!!!






I LOVE this product! It's a LIFESAVER!!! - Stefan - Chicago USA
This is an absolutely fantastic product! Put it on a painful canker mouth sore today, and it will likely be gone by tomorrow!
Numbs the sore immediately upon application. I reapply 2-3 times a day and it is gone by the next morning. Nothing I've tried works like this! IT IS A MIRACLE!!!

Limited Time Offer, Order Now at Amazon.com

*** Product Information and Prices Stored: Sep 26, 2010 21:46:05

Related : western digital wd elements 2 tb usb 20 desktop external hard drive wdbaau0020hbk nesn amazon kindle cleartouch anti glare screen protector single pack 2 year extended warranty for kindle 6 display free 3g 2nd generation us customers only Signs Of Obsessive Compulsive Disorder Horse Jewelry

How Does Health Insurance Work?

There are lots of different kinds of health insurance. Plan that cover medical services and prescription medicines, plans that cover dental expenses, disability insurance that replaces income lost due to extended illness or injury, long-term care, and so on. In the United States, people typically refer to the plans that cover medical expenses as "health insurance", and these plans are usually bought by employers and offered to employees as part of their compensation, or "benefits".

Health insurance plans are usually sold once, then renewed on an annual basis. So when a consumer buys health insurance (either directly or through an employer), the insurer agrees to pay for health expenses as long as the premiums are paid on time and the account is in good standing.

Health insurance plans come in two flavors: "Fee-for-Service" or "Managed Care". Both types of insurance cover major medical, surgical and hospital expenses, and are often referred to as "major medical plans". Fee-for-service plans pay the medical service provider a fee for each service provided to a patient, and that patient can usually go see whatever health care provider they wish. Managed care plans, on the other hand, pre-pay contracted providers for each member's coverage in advance. Members are offered a financial incentive to use providers who belong to the plan.

Here are a few common terms that you'll probably run into:

Deductible: This is the amount you must pay out-of-pocket before the insurer will pay anything. Deductibles can vary widely, ranging from $0 to a few thousand dollars.

Co-insurance amount: This is the percentage of your medical expenses you must pay after you reach your deductible. This will typically range from 10-30%.

Maximum out-of-pocket amount: This is maximum amount you are required to pay in a given year, after which the insurer will pay 100% of the cost of covered medical expenses.

Covered benefits: Types of medical services the insurer will pay for.

Exclusions: Types of medical services the insurer will not pay for.

Its true: there's a lot of jargon, and plans are difficult to evaluate and compare. But it's important, and worth your time. Carefully review plan descriptions, and take your time to understand the coverage of any plan you're currently under - or considering purchasing.

Kurt Stammberger is VP, Marketing at Healthia Inc. Healthia provides integrated comparison-shopping information on group health insurance and small business insurance plans [http://www.healthia.com], free tips and advice for selecting the best plans that suit your needs.

Related : 2 year extended warranty for kindle 6 display free 3g 2nd generation us customers only ikross 3 pack premium reusable lcd screen protector with lint cleaning cloth for ipod touch 1g sandisk 4gb secure digital sd hc memory card sdsdb 4096 bulk no reader Princess Diamond Engagement Ring Woodworking Crafts Bachelorette Party Speeches

Nursing Shortage Causes Concern About The Future Of Healthcare

America is in the midst of a nursing shortage that is expected to get worse as baby boomers age and the need for health care increases. Complicating the nursing shortage problem is the fact that nursing schools and universities across the country are having difficulty maintaining enrollment levels that still are not sufficient to meet the projected demand for nursing care.

Based on a recent survey, it is common knowledge that there is a nursing shortage and this is viewed as a serious issue. The study revealed that 75% of Americans think that the nursing shortage is a very real and very important health care concern. The general view is that the nursing shortage will have a negative effect on health care services. The poll indicates that 81 percent of the population is acutely aware of the nursing shortage and fully 65 percent believe that the nursing shortage is nearing crisis levels.

The survey also found that, despite the nursing shortage most Americans are confident that nurses' opinions on medical issues are highly credible and that the nursing profession is generally respected and admired. Because of the nursing shortage there are many more nursing positions available than can be filled. This is despite the fact that average nurse salaries match up quite well with other professions.

Many potential solutions, such as travel nursing, are being developed to address the current nursing shortage.
The position of travel nurse was created more than 20 years ago in order to address shortfalls in staffing in states that experienced dramatic swings in seasonal population. Now, being a travel nurse is regarded as operating in a specialized nursing category and has become a crucial factor in potential solutions to the worsening nursing shortage.

Becoming a travel nurse opens the door to a world of possibilities. Agencies that specialize in travel nurse placement will help you locate a variety of travel nurse positions in areas of the U.S in which you have an interest. A travel nurse assignment will normally last for about 90 days but may continue for up to six months. After selecting the region or state you then must decide which travel nurse position you will accept. It is entirely up to you which type of program and which type of medical facility you will join on your travel nurse adventure.

The compensation for a travel nurse is well above average and is attracting more nurses into the travel nurse profession. The salary or a travel nurse is well above the norm. What's more, the travel nurse package may include complimentary housing. Plus, travel expenses may also be covered. A travel nurse will also receive generous benefits such as health insurance or a retirement plan, if they are working with a good travel nurse agency

Most travel nurse assignments provide a substantial bonus upon completion of atour. The collective compensation for a travel nurse is far greater than permanent, local nursing positions. In many cases being a travel nurse can result in a six figure annual income.

Considering the severe nursing shortage, a qualified nurse can fill a crucial need and be handsomely compensated for it.

J. Terrence McDermott is the administrator of Travel Nurse Source, at http://www.travelnursesource.com, a resource center for the travel nurse industry. Travel Nurse Source helps identify medical staffing needs and find qualified nurses to meet those needs.

Visit : amazonbasics high speed hdmi cable 98 feet 30 meters supports 3d audio return channel belkin neoprene kindle case fits 6 display 2nd generation kindle amazon frustration free Vintage Wedding Rings One Plane Golf Swing Invicta Luxury Watches Guide

Review Philips Norelco 7340 Men's Shaving System

Philips Norelco 7340 Men's Shaving System Best Review

The 6940 would get a 2 star rating from me, and is clearly not on the same level as the 7340. If you're on a budget I'd still pass on the 6940. The extra few dollars is well worth the upgrade to the 7340. My face was really soar with the 6940, but not with the 7340. The upgraded heads on the 7340 made a huge difference. Another bummer with the 6940 is the short cord... even though the 7340 is cordless, the charging cord is longer on the 7340 and a bit too short for the fixed corded 6940.

Both sound much more quite then my older Norelcos I had. The quite sound makes it seem like they are slow, but don't let that fool you the 7340 works great. I also recommend spending the couple of extra dollars over the other 7310XL and get the better heads. I believe that is the only difference besides color between those two.

Overall I think the 7340 has worked out great, and is the best overall value Norelco Shaver. I've had it for over a month and it still has only been charged once. I've used it nearly every day and have thick and quick growing hair.

Check For More Special Promotion, Now at Amazon.com

Philips Norelco 7340 Men's Shaving System Feature

• Fully washable men's rechargable shaver with patented Reflex Action System that automatically adjusts to the contours of your face and neck
• Super Lift and Cut Technology lifts hairs to cut comfortably below skin level
• Individually floating heads align the blades next to your skin for exceptional closeness
• Precision Cutting System features slots to shave longer hairs and holes to shave the shortest stubble
• Rechargable batteries offer up to 10 days of cordless shaving; two-year warranty

Philips Norelco 7340 Men's Shaving System Overview

The new 7340 features the Precision Cutting System with slots to cut long hairs and holes to shave the shortest stubble. Cleaning is simple with the 7340 as it is completely washable. The Patented Reflex Action System automatically adjusts to every curve on your face for flexible, smoother shaving. Super Lift and Cut technology features a dual blade system that lifts hairs to cut comfortably below skin level.

Philips Norelco 7340 Men's Shaving System Specifications

The fully washable Philips Norelco 7340XL Men's Shaving System showcases the unique Philips Norelco Precision Cutting System, which combines slots to cut long hairs and holes to trim even the shortest stubble, resulting in a clean, uniform shave. The Patented Reflex Action System combines with Individually Floating Heads to easily navigate the curves of your face and neck, while Super Lift & Cut Technology allows this shaver to achieve a below the skin cut. An eight-hour full charge means that you can enjoy up to 10 days of cordless shaving.

The Philips Norelco 7340XL Men's Shaving System features a stylish, easy to use design. View larger.

A spring release, pop-up trimmer helps you keep sideburns and moustaches neatly groomed.

	Precision Cutting System Ultra thin heads featuring slots to shave longer hairs and holes to shave the shortest stubble provide a clean, uniform shave.
	Patented Reflex Action System The patented reflex action system adjusts automatically to every curve on your face and neck for an uncommonly smooth shave.
	Individually Floating Heads Three individually floating heads follow the contours of your face and neck, aligning the razor-sharp blades next to your skin for exceptional closeness.
	Super Lift & Cut Technology Super lift & cut technology is a unique two blade system. The first blade lifts and the second blade cuts. This below skin cut results in a more comfortable shave.
	Fully Washable It's simple to rinse this water-resistant shaver under the tap. This saves time, eliminates messes, and keeps your shaver in tip-top condition.

Standard Features
A spring release, pop-up trimmer is a standard feature on the 7340XL--a perfect way to keep your sideburns and moustache neatly groomed.

With an eight-hour full charge, you can enjoy up to 10 days of cordless shaving. The convenient electronic on/off button puts control of this razor at your fingertips, while an LED charge and battery full light and LED power indicator make keeping track of the energy source behind your shaving system easy.

This shaving system also features a cleaning brush to help you keep your Philips Norelco shaver in great shape, a protective razor head cap for easy storage, a hair collection chamber to keep your shaving area clean, and a power cord.

Every Philips Norelco shaver has a 60-day money-back guarantee and a full two-year warranty.

Available Now => Check For More Special Promotion, Now at Amazon.com

Customer Reviews

A Helpful Product - Bob J -
I've been a safety razor user for years - and a frustrated one at that. This is a process way too complicated and messy for me at this stage in life. I was looking for something simple to use and found it in the Norelco 7340 men's electric razor. It's quiet and easy to use. The rotating heads give me a close enough shave that lasts a day or two. It's super easy to clean with warm water by just opening the head. I wipe the shaver body dry, shake it out with the head closed, re-open the head and air dry it. The one downside is the lack of a light that signals the need to re-charge the shaver. I called customer service about this and was told that when the motor slows down, it's time for re-charging. I can live with this. I was also told that the internal batteries last about 3-5 years. The customer service rep told me to buy a new razor rather than send it back for a new battery to be installed. The reason: the higher cost of replacing the battery. I've been using it for about 3 weeks and recommend it. For me, it's a good buy for the price.



Very slow to shave - Tarasso - Austin, Tx USA
I just want a razor that worked, this seems to fit the bill okay -- does a decent job. I had a braun, and it started tugging the crap out of my hair, even with a new blade replacement. This razor doesn't tug or get caught, but you have to go very slowly around and over multiple times to get all the hair.

Pros:
Nice Close Shave

Cons:
Very slow to shave
Leaves stragglers
Tough to get tight spaces






Philips norelco 7340 - N. Salsgiver -
My husband loves his new razor! He says that it works great and saves him a lot of time. It was his first real razor, so we have nothing to compare it to, but nonetheless, he would recommend it.

Limited Time Offer, Order Now at Amazon.com

*** Product Information and Prices Stored: Sep 21, 2010 00:20:21

Friends Link : amazonbasics high speed hdmi cable 65 feet 20 meters supports 3d audio return channel amazonbasics anti glare screen protector film for iphone 3g 3gs 3 pack kingston 4 gb class 4 sdhc flash memory card sd4 4gbet How To Smoked Salmon Recipes Drugs For Anxiety And Panic Attacks Cure Male Infertility

Review Moroccanoil Moisture Repair Shampoo, 8.5-Ounce Bottle

Moroccanoil Moisture Repair Shampoo, 8.5-Ounce Bottle Best Review

Both me and my daughter have fine, curly hair that can be frizzy, especially my 4 y.o. who still has her baby hair. Enhanced our curls and eliminated the frizzies. Really was shocked at how impressed I was with the product. I tend to think all shampoos/conditioners are the same. This changed my opinion of that. My husband loves the smell. He even noticed the differences in mine and my daughter's hair texture.

Check For More Special Promotion, Now at Amazon.com

Moroccanoil Moisture Repair Shampoo, 8.5-Ounce Bottle Feature

• Color safe that does not wash away your hair color
• Restores moisture and revitalizes skin
• Keratin enriched
• Sulfate, phosphate and paraben free to avoid hair damage

Moroccanoil Moisture Repair Shampoo, 8.5-Ounce Bottle Overview

MOROCCANOIL by Moroccanoil MOISTURE REPAIR SHAMPOO 8.5 OZMOROCCANOIL by Moroccanoil possesses a blend of A Unique Ultra Light Non-Greasy Formula That Seals In Shine And Produces Silky Perfection For All Hair Types, Products Use Argan Oil From South West Morocco, Argan Oil Naturally Renews Hairs Cell Structure And Consistently Restores Shine To Hair

Available Now => Check For More Special Promotion, Now at Amazon.com

Customer Reviews

Not good - Diane M. Lanum -
After having been very happy with the Moroccan Oil, I tried the shampoo, conditioner and curl creme and I have to say I am 100% dissatisfied. The shampoo strips the oil from you hair, dries it out, and the conditioner is not nearly rich enough to return it. The curl creme? Good grief..save your money. I have naturally curly hair, and all it did was make my hair dry (on top of the very drying shampoo and conditioner) and certainly did nothing to enhance curls or reduce frizz. With the exception of the oil itself, these other items in the line are no good.



THE BEST - Carol Pence -
This shampoo is absolutely fantastic! More than worth the price - works on my coarse, unruly hair - it should work on every hair type.



Moraccan Oil - Christina Bryant -
I was not impressed by the Shampoo. It left my hair really dry and in need of deep moisture. For the price, I think I could have stuck with Nioxin products.

Limited Time Offer, Order Now at Amazon.com

*** Product Information and Prices Stored: Sep 19, 2010 08:28:48

Visit : kingston 4 gb class 4 sdhc flash memory card sd4 4gb Dog Problems Solved Ways To House Train A Puppy

Review BSN Cellmass 1.76 Lbs 50 Servings Artic Berry Blast w/ AVPT

BSN Cellmass 1.76 Lbs 50 Servings Artic Berry Blast w/ AVPT Best Review

This product is intended as a post-workout mix and it does the job every time. If you like the stiffness the day after a workout, but don't like all the soreness, this is the product for you. I used to do a complete lower-body workout (quads, hamstrings, glutes & calves) and I would feel sore for up to a week after from delayed muscle soreness. After I took cell mas (one scoop right after my workout & another scoop 6-8 hours after) I would wake up the next day ready to work my legs again, it definitely gave me direct results the next day. It has helped my lifts go through the roof without any specific numbers it definitely has results. Keep in my though, this is only a supplement and won't give you results unless you kill your muscles in the gym and eat a lot of protein and carbs. If you want amazing results, get in the gym at least 5 days a week and combined with this supplement (I also stack it with no-xplode & syntha-6) you'll see results within the first two weeks. Highly recommend this product to anyone who's determined to get their lifts and their size up.

Check For More Special Promotion, Now at Amazon.com

BSN Cellmass 1.76 Lbs 50 Servings Artic Berry Blast w/ AVPT Feature

• Serving Size - 1 scoop
• Does Not Contain: Sugar.

BSN Cellmass 1.76 Lbs 50 Servings Artic Berry Blast w/ AVPT Overview

A new breed of Esterified Creatine has arrived! An Esterified Creatine unlike any other in existence. One so powerful and effective that it adds new meaning to mass, strength, muscularity, performance, and recovery. A product so perfect that it delivers unequaled new cell volumizing nutrients to every muscle in the body. Something so strong that it doesn't just penetrate the muscle cell door; but instead, kicks it down with unmatched amounts of muscle expanding creatine. A product so cutting-edge that it contains a new super-anabolic Glutamine innovation that promotes intense muscle hardening and rapid recovery. A formula so effective that it immediately triggers new levels in size and strength that will alter your body and performance from the very first dose. Prepare your body for CELLMASS...Redefining creatine as you know it!



* Picture may be of different size or flavor

Available Now => Check For More Special Promotion, Now at Amazon.com

Customer Reviews

AVOID SELLER - DIRECT SUPER CENTER (DAB NUTRITION) - David Maison - East Lansing, MI
So for starters, the item is good and definitely a good choice. I always notice and see huge gains whenever I use it!

I wanted to warn any potential buyerss to AVOID seller DIRECT SUPER CENTER (DAB NUTRITION).

I recently purchased from them since they offered a good price. However, 10 days later when I had to contact them about the status of my order, they informed me that they did not actually have the product because it was on backorder with the manufacturer. So if it wasn't bad enough that they sold me a product that they did not own, nor were able to deliver, I called BSN to see if ANY had been on backorder this month. They told me that no flavors had been on backorder for several months.
WORST SELLER EVER.... The only reason they have a good rating is because they cancel orders before sellers can leave feedback (happened to me)!



Didnt Really Like it - Texan -
Of course, this does have a 4g creatine blend.
But, there are no calories or protein.
So you would have to get your carbs/protein from some other supplement.
If you tried NO-explode, you would know that when you mix your drink with water, you get a more homogenous mixture.
But with Cellmass, you get ALOT of sediments in the bottom. (I mixed it and drank it RIGHT after, so it didnt just settle to the bottom).

Overall, Id recommend something else.



GOOD but dont get ARCTIC BERRY!? BLEH! - J. Duke - WA USA
This helped raise my mass faster, before I was going without supplements and not enough nutrition this helped greatly. BUT, for the love of god and all that is holy if your cherish your life and your family, DO NOT try arctic berry! It almost made me gag...

Limited Time Offer, Order Now at Amazon.com

*** Product Information and Prices Stored: Sep 17, 2010 10:07:06

My Links : kodak easyshare z915 10mp digital camera with 10x optical image stabilized zoom and 25 inch 3 pack of premium crystal clear screen protectors for apple ipad amazonbasics high speed hdmi cable 98 feet 30 meters supports 3d audio return channel Wholesale Auto Auctions

Low Cost Health Insurance In Texas

Texas health insurance options are pretty good if you need to get individual or family health insurance because you are self-employed or it's not available any other way. There are different types of plans, and costs and coverages can vary quite a bit. Here's how you can find health insurance coverage.

Like in most states, you can get health insurance in Texas that basically falls into two categories: Fee-for-service and managed care.

Fee-for-service: With this type of health insurance policy, you can see any doctor or provider you want and typically go to a specialist without a referral. The provider may bill the insurance company, or you will need to submit a claim form to the health insurance company to reimburse you for the expenses that they cover. The insurance company may cover from 80 to 100 percent of the expenses. You will pay a premium, a deductible, probably a coinsurance amount and will have a maximum yearly limit to your coverage. Texas law requires health insurance companies to pay claims promptly.

Managed care: A managed care plan uses doctors, hospitals, and other providers that are associated in a network. You would become a member of an HMO, PPO or POS network and usually have to use the providers in the group to receive benefits. This put some limitations on who you can visit for health care, but these plans usually provide an affordable health insurance alternative to fee-for-service. Also, Texas law is very comprehensive about protecting your rights when you join a network.

You should get several quotes when shopping for health insurance -- at least three. In Texas, one of the easiest ways to get multiple quotes is to go online to an insurance comparison site. These sites allow you to enter your information into a "quote box" or form, and then they'll provide you with multiple quotes from different companies or agents. Since coverages and plans all differ, make sure to see if the plan you like is giving you the service and coverages that you and your family needs.

You can get free comparison quotes for Texas health insurance and learn more about saving on health insurance at LowerYourInsurance.com Scott Lunt writes often about health insurance.

Friends Link : 3 packs clear lcd screen protector for amazon kindle 2 e book reader all in one travel power plug adapter for us uk eu au 2 year extended warranty for kindle 6 display free 3g 2nd generation us customers only Photo Film Flatbed Printer Scanner

All About Employee Sponsored Healthcare Programs

So exactly what are the factors that promote workers to enroll in an employee sponsored healthcare program? Various studies have found out that it is usually the unmarried male who is working full time most likely to enroll in such programs. The married workers share their healthcare policies with their spouse.

A simple but a very powerful factor that may shed some light on the reasons is the amount of employee contribution towards these programs. The higher the contribution demanded from workers, the less likely are they to enroll in employee sponsored healthcare programs. The enrollment rate for employers who didn't require any contribution form their workers was nearly 87 percent as compared to 77 percent for organization requiring some sort of health insurance contribution form the workers.

Numerous studies have proved that the average contribution of a worker in private sector has increased by nearly 15 percent per year since the last two decades. Although only 60 percent of the small firms offer a company sponsored healthcare program but it is an interesting fact that the average contribution of employees in these firms was 19 percent lower then their larger counterparts. Some analyst believes that such an anomaly is due to low paying jobs in smaller firms.

Another study conducted by the AHRQ examined the impact of zero premiums for workers where the firms pay the entire healthcare costs. The results proved that nearly 2.5 million out of 13.8 million private sector workers are most likely to enroll in a healthcare program if companies bear the entire costs of health insurance. The scientists also concluded that the number of workers in small enterprise who will be willing to enroll in a fully employee sponsored program will increase by nearly ten percent as compared to four percent in larger enterprise. Such studies are a proof that US government should help finance the private sector to provide health insurance coverage to the many uninsured workers.

Written by Everson Ferriola. Now you can learn top info on Group Health Insurance Quotes and even Affordable Group Health Insurance.

Related : logitech hd pro webcam c910 with 1080p video Camp Furniture Plans

Review Roux Temporary Haircolor Touch-Up Stick Dark Brown

Roux Temporary Haircolor Touch-Up Stick Dark Brown Best Review

I saw this product on Dr Oz, then read alot of the reviews. It is one of the best investments ever! I went with a darker color (as recommended by a user) and when it covers the grey it does lighten up to my current color. There is a fragrance to it (a reviewer thought it was repulsive), its not a bad or offensive fragrance and doesn't linger. I cannot recommend this enough! As I applied it, all I kept saying was "OMG!!!!"

Check For More Special Promotion, Now at Amazon.com

Roux Temporary Haircolor Touch-Up Stick Dark Brown Feature

• Especially effective for blending away gray
• Easy to use, applies like lipstick
• 8 natural-looking shades
• Compatible with all haircolor
• Blends gray

Roux Temporary Haircolor Touch-Up Stick Dark Brown Overview

Roux Tween Time Temporary Haircolor Touch-Up Stick is a easy to use temporary haircolor that applies like lipstick. Compatible with all haircolor.

Available Now => Check For More Special Promotion, Now at Amazon.com

Customer Reviews

Cover that Graay - Debbie Muss - Chicago
The product was okay, but takes a bit longer then I like to get it the gray covered. It also sometimes pulls your hair, because the lipstick like color is very hard not like lipstick, but all in all it helps.






easy, effective and cheap. what more is there to say? - D. Sorenson - seattle, wa
Takes about a minute, especially if you've just towel-dried your hair. Perfect for when you have a meeting today and a hair appointment next week.



does not work well - flyman - alabama
This product does not work well at all. You can barely get the thing to get on your hair. Waste of money. I would not recommend this product.

Limited Time Offer, Order Now at Amazon.com

*** Product Information and Prices Stored: Sep 10, 2010 22:46:16

My Links : amazon kindle 2 2nd generation usb car charger usb wall travel charger earphones and all in one travel power plug adapter for us uk eu au garmin portable friction mount Simple Woodwork Plans Anxiety Attack Symptom Gold Cubic Zirconia Ring

Evolution of Health Insurance

We all know that Medical health insurance pays for the medical expenses but now the question is what type of medical expenses it covers. Here you have to look at the slow revolution of this type of insurance. From the beginning to the modern day this health insurance policy has experienced lots of changes and experimentation's with itself.

When we study these changes then we can find out the answers of our questions. These days the term health insurance is used in a much broader concept as it was earlier. Now sometimes the health insurance also covers disability costs and also long-term nursing and custodial care if it is needed. Medical insurances are provided by government or government-sponsored social insurance program as well as private insurance companies. In every case the policy holders are needed to pay its premiums and taxes. And the health care policies will benefit them when the policy holders need them. The health care policies help protect themselves against the high and unexpected health care costs.

Let us now have a look at the history of the health insurance plans. It was Hugh the Elder Chamberlen from the Peter Chamberlen family, who was the first one to propose about the health care insurance plans in 1694. And perhaps the accidental insurance was the first among the health insurance policies first launched during the late 19th century. This was something like the modern disability insurance. This type of policies continued till the start of the 20th century.

The accidental insurance was first launched in the United States by the Franklin Health insurance Company of Massachusetts, which was founded in 1850. They offered insurance against the injuries from accidents caused by railroads and steamboats. Soon after, by the year 1966, about sixty companies were found to be offering accidental insurance in the United States. However, the main drawback was that other than the accidental insurance the Medicare beneficiaries were to pay for all other medical costs. Later during the late 20th century begins the start of the modern health insurance programs. And gradually it evolved and the present day Medicare policies cover a lot more things like preventives, emergency health care procedures, prescription drugs and others.

Now beside Medicare policies there are also Medigap policies which can be called Medicare Supplement Plans. The Medicare Supplement Plans or the Medigap policies are supplementary health insurance policies that are sold by the private insurance companies. These policies are not completely independent but actually they are invented as a supplement to the original Medicare insurance. These are closely related with the Original Medicare. The purpose of the Medicare Supplement Plans is to fill up the gap between the policy coverage of the Original Medicare plans and the actual medical bill payable.

That is a reason why these policies are also known as the Medigap plans. However, though these plans are totally administered and sold by the private insurance companies still there are only 12 standard plans under the letter heads A through L that they are permitted to sell.

Attractive Medicare supplemental plans and Supplemental Medicare California find out here.

Visit : transcend 8 gb class 6 sdhc flash memory card ts8gsdhc6 Build A Simple Chicken Coop Poultry House Plans Chicken Coop Design

Technology in Healthcare

The use of technology in healthcare has opened the way for improvements in a variety of areas. One proof of the advantages and benefits of technology is that more people are surviving diseases like cancer and heart disease due to the ability to diagnose them earlier than previously capable. With this capability comes the advantage of being able to use a protocol that may be less drastic than one needed as the disease progresses. With a disease like cancer, as it metastasizes, the ability to fight it and eliminate it gets harder and harder. Although, another use of technology in healthcare has brought us new drugs that can target more precisely the particular cancer cells along with being more targeted in other areas. It has also brought us new radiation equipment that can be far more accurate and not have to use the shotgun approach to get to the cancer. The beam can even be bent around key body parts like glands and arteries so as not to damage them when focusing in that area.

One interesting and futuristic advance is the use of robots. You can now have a robotic prostatectomy with an outcome that may be to the advantage of the patient. With the use of a robot in surgery there is a smaller incision or incisions which is less trauma for the patient, there is less blood loss, a greater chance of precise cuts around delicate nerves and tendons which may allow the patient a better chance of not having side effects from the surgery, and usually a shorter stay in the hospital and a shorter recovery time. The precision of the robot is far more accurate than a surgeon using his or her hands alone. One reason is the use of a microscope and lights in the area of the surgery. A doctor has access to this technology in an operating room but this is amazingly close and well lit in a very small area without having to cut the patient open. The accuracy of being able to see within a fraction of a millimeter is a great advantage for the doctor operating the robot.

Another area where robots are used is in robotic heart surgery. Again the accuracy and precision of the tools lead to a greater chance of a quicker recovery time and less trauma to the patient. The finer incisions and the likelihood of less blood loss are one advantage to using a robot in heart surgery. The da Vinci robot used in both heart and cancer surgeries and has the opportunity to be used in a variety of areas where precision and accuracy are paramount.

The use of technology in medicine has been instrumental in diagnosing diseases much quicker along with preventing diseases. One major milestone is the use of robots and the new robotic prostatectomy [http://www.riversidehealthcare.org/services/cancer-institute/robotic-cancer-surgery.html] for treating prostate cancer. Also, robotic heart surgery [http://www.riversidehealthcare.org/services/heart-center/robotic-heart-surgery.html] has been a major step in helping heart patients heal quicker. Needless to say, the da Vinci robot is taking surgery to a place it has never been before.

See Also : seagate expansion 640 gb usb 20 portable external hard drive st906404exa101 rk patagonia kindle case fits 6 display 2nd generation kindle 3 pack of premium crystal clear screen protectors for apple ipad Ocd And Thoughts

Self Employed Health Insurance

People are focused towards their health these days. This is the reason that you can find several health gyms, food chains and dieticians around you. This is fine. However, people tend to neglect an important aspect about their health and that is the possibility of getting inflicted by various diseases or facing medical emergencies. This makes them lose out on all their savings during an emergency. These days, it is really hard to pay for hospital treatment and medical bills without an insurance policy. Hence, it is important to purchase health insurance policy to ensure safety for your health.

Self employed health insurance is one of the most famous and appreciated insurance policies available for consumers on the market. People who own a business or freelance do not have a fixed income. Therefore, they cannot be benefited by a general health insurance policy. Self-employed health insurance is especially designed for people who own a business or freelance.

If you purchase a self employed insurance policy, you can easily incur costs for all your hospital treatments, serious ailments, physical injuries and medical bills. It is a great option. However, you can only get benefited if you are able to find the best self-employed cover. The policy should be affordable.

Here are some common options that can make health insurance affordable if you are self employed:

a) COBRA:

This is the best option for the beginning of your self employment. Once you leave your job to start a business of your own, your employer should give you the option of retaining membership in his health insurance plan by law for several months. You need to cover the entire monthly premium paid by your company. Here, the actual cost of this insurance is more affordable compared to those plans that you would have otherwise purchased as an individual. However, you should remember that it is only temporary. Try to look for other health insurance options while you are still covered.

b) Group health insurance for the self employed:

Most states such as Maine provide affordable group policies for groups of one via health insurance companies. All you require to do is to shop around to find a company that provides one at affordable rates. Make sure that the health insurance covers everyone in the group, irrespective of health conditions. The policy insures you and your family against possible hazards due to illness or accident.

c) Coverage under a spouse's plan:

This is one of the most common options available to cover the family for health insurance with the help of a spouse's employer. If a member of the couple is working for a company that has a group health insurance plan, it is usually considered as the most affordable option for insuring the whole family.

There are several factors you can benefit from when purchasing self employed health insurance plan. First and foremost, you will have the tax benefit with your self employed health insurance plan. The self employed health insurance premium is 100% tax deductible.

Another benefit is reduced costs in premium. This can be easily availed via your spouse group insurance through the spouse's company. You can also get this benefit via employing 2 to 50 people in your company.

A self employed insurance is very important for a business owner and a freelancer.

For more information on health insurance, try visiting http://www.healthinsurancedecision.com - a website that specializes in providing health insurance related tips, advice and resources to include information on self employed health insurance.

Tags : sanyo eneloop aaa nimh pre charged rechargeable batteries 4 pack transcend 8 gb class 6 sdhc flash memory card ts8gsdhc6 Buy Video Online