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Showing posts from July, 2023

El Valor del Seguro Médico: Proteger su Salud

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  El seguro de salud se ha convertido en una parte crucial de la preparación financiera en una sociedad cada vez más incierta. Ofrece a las personas y a las familias la defensa necesaria contra los gastos médicos imprevistos. La importancia del seguro de salud, sus principales ventajas y las razones por las que todo el mundo debería pensar en adquirir un plan completo se tratan en este artículo.   Una red de seguridad financiera llamada seguro de salud protege a las personas de los costos potencialmente paralizantes de la atención médica. Los asegurados pueden acceder a diversos tratamientos médicos, como hospitalización, consultas médicas, pruebas diagnósticas, recetas y operaciones, mediante el pago de primas periódicas. Esta cobertura garantiza que las personas puedan recibir la atención necesaria sin tener que preocuparse por pagar tarifas astronómicas, lo que proporciona tranquilidad en los momentos difíciles.   El seguro de salud proporciona acceso a una asistencia sanit

Temporary Major Medical Insurance

  Short term or   temporary  major medical insurance is an   ideal , affordable type of medical insurance for those who are unemployed, in between   jobs , recent college graduates, in need of   medical  coverage. Temporary major medical insurance plans are available with a   variety  of options. Individuals opting for this plan are mostly allowed to select doctors and   hospitals  of their own choice.   Temporary major medical insurance coverage for  individuals  and families is available from 6 months to 65 years of age. It includes  benefits  such as inpatient and  outpatient  coverage, doctor office visits,  surgical  fees and  laboratory  fees. Provision is there to select the policy for a specified term, temporary or renewable. One can also choose the period of coverage from 1month to 6 months. Simple applications, credit card  acceptations , guaranteed rates,  prompt  claims payment, superior toll-free customer service etc are some of the additional benefits.   Short-term major

Unemployed Health Insurance - When Affordability and Coverage Matter Most

  Finding health insurance when you're   unemployed  presents some challenges. First of all,   affordability  is a key issue, because they have   recently  lost their income or don't currently have an   income . On the other hand, it's important to have   good  coverage in case of a major   medical  event.   Affordability   Most likely there are many types of plans you have available to you or your family. The most  common  types of plans are plans that offer full- benefits . These types of plans cover your office visits and your  prescriptions  before the  deductible  and have a relatively small medical deductible that you must pay for hospital visits,  surgeries , major  diagnostic  tests, and other major services. The other type of plan is  catastrophic  health insurance.   Full Benefit Plans   Even if you are  concerned  about price, there are some full benefit plans that are affordable. It's a good idea to look for a plan that has a higher medical deductible such a

Missouri Health Insurance and Medical Coverage

  Consumers who need health insurance   quotes   and coverage in Missouri have   numerous   options available to them. There are   several  well known carriers offering affordable coverage in MO   including  Aetna, Anthem, American Community, Assurant and United Health Care. Individual and family   units   can choose from high deductible,   catastrophic   plans as well as low deductible,   comprehensive  plans.   Self-employed individuals, small business owners, those losing COBRA, and the unemployed usually  seek  health insurance in the individual  market . Consumers can purchase short term insurance that provide coverage for up to six months - ideal for those who are  certain  they will soon be  eligible  for benefits with an employer. And consumers can enroll in  permanent  plans that cover  maternity , prescriptions and  hospitalization  if group coverage is not available to them.   Benefits, Coinsurance, and Deductible Options   Most  carriers  offer plans with a wide range of  b

Short Term Medical Coverage - Insurance Protection For the Unemployed

  Many people are dealing with   unemployment   because of the current   economy , but health insurance is something that is still   necessary   to keep your assets   protected   and to avoid years of medical   bill   repayment. Short term medical   coverage   is a great option for staying insured during a   temporary   period of unemployment.   Insurance is something that many people take for  granted  and some feel that being without it temporarily  probably  will not  hurt  anything and it may not, but it can lead to  extreme  consequences if you are hurt or sick during the  period  that you have no  insurance  coverage.   Short term insurance coverage is just that-insurance that is  meant  to cover  individuals  for 30 days to a year, while a  person  is looking for employment. If you are employed in the  corporate  world, you will usually be able to be covered by a group  plan  that will give you more  comprehensive  coverage for a better price. If possible, getting on a group pla

Bone Marrow Stem Cell Transplant & Congestive Heart Failure (CHF)

  Congestive heart failure (CHF) is a   serious   and life-threatening illness that is   associated  with premature death. If one thinks of the heart as a pump,   progressive   damage to this pump's muscle  fibers   results in decreased "pump   efficiency ," which causes blood to,   essentially , back-up within the   vascular   system under increased pressure. This increased back-pressure causes   swelling  of the entire body (edema), and   particularly   the lower extremities, the lungs, the liver, as well as within the heart itself. In more severe cases, CHF is   associated  with generalized weakness and profound shortness of breath.   As our population continues to grow older, on average, the  incidence  of CHF is expected to continue to rise. Although precise  estimates  are difficult to arrive at, the cost of caring for CHF is thought to be at least $33 billion per year in the United States alone.   There are several known major  risk  factors for CHF, including coro

Sperm Donor Nightmare

  Like many women, I had not found Mr. Right, and my   biological   clock was ringing loud and clear. I was 40 years old and   realized   if I wanted to become a mother, it was now-or-never. Perhaps selfishly, I wanted my own biological child. As a special   education   teacher, I had taught many   emotionally   disturbed children who had been adopted. I   figured   if I had my own child, I would at least know half of his/her genetic   background . The other half had to come from someone male, obviously, so I decided to use an anonymous sperm donor. At least he would have been screened for STDs and a few other genetic  disorders . It seemed safer than having an "accident" with someone I   hardly   knew. I didn't know if I was doing the right thing, having a child without a father, so I left it up to God. I made a deal: I would try three times, and if it was meant to   happen , it would. I did not   realize   at the time how   difficult  it can be for a 40 year old woman t