Posts Tagged insurance
Group Health Insurance Plan For Your Business
What is the cover offered on group health Insurance policy?
Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.
Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.
A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.
Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee’s medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee’s insurance premium.
With the new law passed by Congress, the employee’s net expenses for the group health insurance policy have been greatly reduced.
How can businesses benefit from this policy?
It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.
A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.
Although an employer is required to pay some percentage of an employee’s individual premium, which ranges from 25% to 50%, depending on the state’s laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependant, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you’re given that option, you should really consider it, Often, spouses and children can be included under such a plan.
What are the factors you need to watch for a good group health insurance policy?
Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.
One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.
Employers may use the guidelines below to select a health insurance plan that meets your needs:
* Study the websites and brochures of the health insurance companies you have short listed to engage.
* Make a comparison of their services, costs and what they pay.
* Find out if there are services or illnesses that are excluded from the policy.
* Take notes of the starting and ending dates of the insurance policy.
* Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.
* Stay away from policies that limit your choice as to whether you can choose a period to stay with them.
* And finally stay away from any group health insurance policy that only covers limited diseases.
Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.
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History of Medicine
Herbalism
There is no actual record of when the use of plants for medicinal purposes first started, although the first generally accepted use of plants as healing agents were depicted in the cave paintings discovered in the Lascaux caves in France, which have been Radiocarbon dated to between 13,000 – 25,000 B.CE.
Over time and with trial and error, a small base of knowledge was acquired within early tribal communities. As this knowledge base expanded over the generations, tribal culture developed into specialized areas. These ‘specialized jobs’ became what are now known as healers or Shaman.
Egyptian Medicine
Medical information contained in the Edwin Smith Papyrus date as early as 3,000 B.C. The earliest surgery was performed in Egypt around 2,750 B.C.
Imhotep in the 3rd dynasty is credited as the founder of ancient Egyptian medicine and as the original author of the Edwin Smith Papyrus, detailing cures, ailment and anatomical observations.
The Edwin Smith Papyrus is regarded as a copy of several earlier works and was written circa 1,600 B.C as an ancient textbook on surgery and describes in exquisite detail in the examination, diagnosis, treatment and prognosis of numerous ailment.
Medical institutions are known to have established in ancient Egypt since as early as the 1st Dynasty. By the time of the 19th Dynasty their employees enjoyed such benefits as medical insurance, pensions, sick leave and worked eight hours per day.
The earliest known physician is also credited to ancient Egypt: Hesrye, ìChief of Dentists and Physicianì for King Djoser in the 27th century B.C. Also the earliest women physician, Peseshet, practiced in Ancient Egypt at the time of the 4th dynasty. Her title was ìLady Overseer of the Lady Physicians.
Indian Medicine
Ayurveda (the science of living), the Vedic system of medicine originating over 3,000 years ago, views health as harmony between body, mind and spirit.
Its two most famous text belong to the schools of Charaka and Sushruta. According to Charaka, health and disease are not predetermined and life may be prolonged by human effort. Sushruta defines the purpose of medicine to cure the diseases of the sick, protect the healthy and to prolong life.
Ayurveda speaks of eight branches: kayachikitsa (internal medicine), shalyachikitsa (surgery including anatomy), shalakyachikitsa (eye, ear, nose and throat diseases), kaumarabhritya (pediatrics), bhutavidya (phychiatry or demonology), agada tantra (toxicology), rasayana (science of rejuvenation) and vajikarana ( the science of fertility).
Before graduation, the student was to pass a test. But the physician was to continue to learn through texts, direct observation (pratyaksha) and through inference (anumana).
In 2001, archeologists studying the remains of two men from Mehgarh, Pakistan, made the discovery that the people of Indus Valley Civilization, even from the early Harappan periods (circa 3,300 B.C), had knowledge of medicine and dentistry.
The physical anthropologist who carried out the examinitions, Professor Andrea Cucina from the University of Missouri-Columbia, made the discovery when he was cleaning the teeth from one of the men.
Chinese Medicine
Chinese also developed a large body of traditional medicine. Much of the philosophy of traditional Chinese medicine derived from empirical observations of disease and illness by Taoist physicians and reflects the classical Chinese belief that individual human experiences express causative principles effective in the environment at all scales.
During the golden age of his reign from 2,696 to 2,598 B.C, as a result of a dialogue with his minister, Ch’I Pai, the Yellow Emperor is supposed by Chinese tradition to have composed his Neijing Suwen or Basic Questions of Internal Medicine.
During the Han dynasty, Chang Chung-Ching, who was mayor of Chang-sha near the end of the second century A.D, wrote a Treatise on Typhoid Fever, which contains the earliest known reference to Neijing Suwen.
The Chin dynasty practitioner and advocate of acupuncture and moxibustion, Huang-fu Mi (215-282 A.D), also quotes the Yellow Emperor in his Chia I Ching, 265 A.D.
During the Tang dynasty, Wang Ping claimed to have located a copy of the originals of the Neijing Suwen, which he expanded and edited substancially.
Early European Medicine
Astrology played a very important part in early Western medicine; most university-educated physicians were trained in at least the basics of astrology to use in their practice. As societies developed in Europe and Asia, belief systems were replaced with a different natural system.
The Greeks, from Hyppocrates, developed a humoral medicine system where treatment was to restore the balance of humours within the body. Ancient Medicine is a treatise on medicine, written roughly 400 B.C by Hyppocrates.
Medieval medicine was an evolving mixture of the scientific and the spiritual. In the early middle ages, following the fall off the Roman Empire, standard medical knowledge was based chiefly upon surviving Greek and Roman texts, preserved in monasteries and elsewhere.
Islamic Medicine
The Islamic World rose to primacy in medical science with such thinkers as Ibn Sina (Avicenna), Ibn Nafis and Rhazes. The first generation of Persian superb physicians were trained at the Academy of Gundishapur, where the teaching hospital was the first invented.
The Comprehensive Book of Medicine (Large Comprehensive, Hawi or “al-Hawi” or “The Continence”) was written by the Iranian chemist Rhazes (known also as Razi), the “Large Comprehensive” was the most sought after of all his compositions.
The “Kitab fi al-jadari wa-al-hasbah” by Rhazes, with its introduction on measles and smallpox was also very influential in Europe.
The Mutazilite philosopher and doctor Ibn Sina was another influential figure. His The Canon of Medicine, sometimes considered the most famous book in the history of medicine, remained a standard text in Europe up until its Age of Enlightenment and the renewal of the Islamic tradition of scientific medicine.
Ibn Nafis described human blood circulation. This discovery would be rediscovered or perhaps merely demonstrated, by William Harvey in 1628, who generally receives the credit in Western history.
Modern Medicine
Medicine was revolutionized in the 18th century and beyond by advances in chemistry and laboratory techniques and equipment, old ideas of infectious disease epidemiology were replaced with bacteriology.
Ignaz Semmelweis in 1847 dramatically reduced the death rate of new mothers from childbed fever by the simple experiment of requiring physicians to wash their hands before attending to women in childbirth.
His discovery predated the germ theory of disease. However, his discoveries were not appreciated by his contemporaries and came into use only with discoveries of British surgeon Joseph Lister, who in 1865 proved the principles of antiseptic.
His work is based on the very important discoveries made by French biologist Louis Pasteur who was able to link some microorganisms with disease.
This brought a revolution in medicine. He also devised one of the most important methods in preventive medicine, when in 1880 he produced the vaccine against rabies.
Pasteur also invented the process of pasteurization to help prevent the spread of disease through milk and other foods, whom it’s named after.
Also Pasteur was an individual worker, an unlike his contemporary Robert Koch, regardless, Pasteur was a man who thought laterally and his vaccination for Rabies, was indeed a milestone, but no one still understood in the 1880s the mechanisms for such immunity.
The role of womankind was increasingly founded by the likes of Elizabeth Blackwell, Elizabeth Garret, Florence Nightingale, etc. They showed a previously a male dominated profession, the elemental role of nursing in lessening the aggravation of patient mortality, resulting from lack of hygiene and nutrition. Nightingale, set up the St Thomas hospital, post-Crimea, in 1852.
Robert Koch is considered one of the founders of bacteriology. He is famous for the discovery of the tubercle bacillus (1883) and for his development of Koch’s postulates.
It was not until the 20th century that there was a true breakthrough in medicine, with great advances in pharmacology and surgery. For the great war spurred the usage of Rontgen’s X-ray and the electrocardiograph, for the monitoring of internal bodily problems.
However, this was overshadowed by the remarkable mass production of penicillium antibiotic, which was a result of government and public pressure. The antibiotic prevented the deaths of thousands during the conquest of Vichy France in 1944. The 20th century witnessed a shift from a master-apprentice paradigm of teaching of clinical medicine to a more “democratic” system of medical schools.
Tags: balance, chinese medicine, clinic, cures, foods, health, healthy, herbal, hospital, insurance, medical information, method, school, surgery, treatment, vaccination, vaccineRelated posts
What Are the Signs of a Stroke?
This year about 800,000 Americans will experience the signs of stroke, and will suffer a stroke of some kind. Stroke happens when blood supply to the brain is interrupted, resulting in damage to the brain tissue. One-third of stroke survivors will have another one within 5 years. Each year strokes claim about 160,000 lives in the United States. Of the 640,000 who survive, many will have long-term disabilities that will effect their quality of life, physical appearance, and their capacity to earn a living.
Early detection
Early detection of the signs of stroke and symptoms of stroke make it much more likely that you’ll survive and have fewer lasting effects.
The National Stroke Association uses an anagram to remind people to act “F.A.S.T.” if you think someone may be having a stroke. Here are some easy things you can do to tell:
F – FACE Ask the person to smile. If one side of the face droops, this is one of the signs of stroke.
A – ARMS Ask the person to raise both arms. Does one arm drift downward?
S – SPEECH Say a simple sentence and ask the person to repeat it. Are the words slurred and incomprehensible?
T – TIME If you can answer “yes”, to any of the above questions, you need to call 911 immediately. Every second counts during a stroke.
Recently there has been an email going around that is saying another one of the signs of stroke that you could look for in place of the “T” is to have the person stick out their TONGUE. If their tongue is ‘crooked’, if it goes to one side or the other, this is one of the signs of stroke.
While this is also likely true, as a test it is not as valuable than the other three because there is room for interpretation of the results. How ‘crooked’ is crooked? How far to one side does it have to go before you might say it’s definitely one of the signs of stroke? The other three test mentioned above are better to use (smile, raise both arms, speak a simple sentence) and are very easy to determine if there is a problem.
When stroke strikes
Even with quick intervention, strokes can result in long-term disability. Depending on what people can afford, stroke patients may decide to have rehab in a hospital or long-term care facility. Others may even get help in the comfort of their own homes. With therapy, patents can relearn and regain basic activities of daily living such as speaking, eating, getting dressed and walking.
Costs of care
As with all medical care, treatment for stroke patients can be very costly. The 2009 annual cost of stroke is expected to reach $68.9 billion according to the American Heart Association.
Not very many families today are ready to handle the high costs of health care. Especially in today’s economy, it’s very difficult to have extra expenses beyond your normal household budget. Not surprisingly, about half of all personal bankruptcies filed in the U.S. are attributed in part to medical bills.
Cost-saving solution
Recognizing the signs of stroke and the costs of stroke are critical. But you really shouldn’t stop there.
Supplemental health insurance policies provide financial support when an individual is diagnosed with a stroke. These policies, also known as critical illness insurance, provide cash that can be used however you want. A person can use money to cover medical bills, pay for living expenses, or pay for assisted care.
When the signs of stroke are caught early, the long-term effects can be alleviated. And when individuals prepare themselves with a critical illness plan, they gain the peace of mind that comes from securing their personal and financial future.
Tags: brain, having a stroke, health, health insurance, heart, hospital, insurance, mental health, mental health insurance, national stroke association, rehab, signs of a stroke, signs of stroke, stroke, stroke patient, stroke patients, stroke survivors, strokes, symptoms of stroke, treatment, treatment for stroke, treatment for stroke patients, what are the signs of a strokeRelated posts









