beauty and health

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COBRA Subsidy Expires: Less Affordable Health Insurance for Unemployed

Finding affordable health insurance is one of the primary concerns for people who have recently become unemployed. If your job offered health insurance benefits, the premiums were heavily subsidized by the company. Moreover, the cost of underwriting policies is spread among the entire workforce. This makes employer-sponsored health insurance relatively inexpensive. Since the risk is also distributed evenly among employees, you are virtually guaranteed to recieve health insurance, regardless of any pre-existing conditions you may have.

However, the situation changes when you lose your job; your former employer will no longer pay part of your health insurance premium, so you will be responsible for the entire amount yourself. COBRA, also known as the Consolidated Omnibus Budget Reconciliation Act, lets former employees retain the health insurance coverage from their last job. It won’t necessarily be affordable health insurance, but it’s there nonetheless. Keeping your health insurance policy (whether it is an individual health insurance policy or through COBRA) current is very important, since uninterrupted insurance will help protect you from future coverage exclusions.

Unemployment obviously makes covering the cost of a COBRA health insurance premium difficult. This recession has resulted in millions of Americans becoming out of work and in danger of losing their health insurance. As part of last spring’s stimulus package, President Obama and Congress enacted a 65% subsidy of COBRA health insurance premiums. Qualified ex-employees-those who were let go as a result of a layoff or downsizing between September 2008 and December 2009-were able to take advantage of affordable health insurance made possible by the government’s subsidization. This type of health insurance is still more expensive than insurance provided by an employer, but paying only 35% of the cost of health insurance frees up money for other consumer spending able to stimulate the economy.

Unfortunately, the subsidies only last for nine months. After that, health insurance rates will triple for many people, as they are again forced to shoulder the full cost of a policy. Without an extension of this provision in the American Recovery and Reinvestment Act, affordable health insurance options for the unemployed will decrease. Congress doesn’t seem to have any plans to address the issue in overarching jobs legislation or separate legislation any time soon. Economic recovery is occuring at a slow pace, which means that a significant percentage of the unemployed remain so after that length of time. Health insurance costs eat up a large portion of state unemployment benefits. COBRA enrollment has doubled since the subsidy was enacted, meaning that quite a few people feel an unwelcome shock at the cost of next month’s premiums.

There are multiple steps a person can take if they are worried about the cost of purchasing a health insurance plan. Affordable health insurance is available for both individuals and families on the open market. In many cases, these policies cost less than retaining a unsubsidized COBRA policy (when paying 102% of the premium’s cost). It is important, however, that a person doesn’t drop their COBRA coverage until another health insurance plan has approved him or her. When a person has pre-existing conditions, buying affordable health insurance becomes more difficult. However, most states have high-risk health insurance pools as supplements. There are also Children’s Health Insurance Programs run by each state that kids may qualify for if their family is earning below a certain income level. No matter what, there are solutions to the affordable health insurance crisis available.

The Gift of Mobility - Free Power Wheelchairs

There are many organizations that offer free power wheelchairs and assistive devices such as hospital beds, lift chairs, walkers and other medical equipment. Here are a few:

MDA (Muscular Dystrophy Association) accepts wheelchair donations, which they refurbish and offer at no cost to persons in need.

Orphaned Wheelchairs and The Wheelchair Foundation
The Wheelchair Foundation has partnered with Orphaned Wheelchairs to deliver wheelchairs to people in the United States. Orphaned Wheelchairs takes donations of new and used wheelchair equipment, identifies recipients in the USA, and distributes the wheelchair equipment to those in need. Included are free power wheelchairs

Special Kids Fund
Special Kids Fund is an alliance of schools, hospitals, and social service organizations that provide for the special needs of children with disabilities and at-risk youth. Through the Special Kids Fund Vehicles for the Disabled Program, donated wheelchair vans and vehicles are given to physically disabled persons who are not able to afford them. This includes traditional and powered wheelchairs.

The Senior Wheels USA Program
This program makes available power (electric) wheelchairs to seniors (age 65 and up) and the permanently disabled at no cost to the recipient, if they qualify. Power wheelchairs are provided to those who cannot walk and cannot self-propel a manual wheelchair, and who meet the additional guidelines of the program.

The Wheelchair Project
The site offers an inventory list of all available wheelchairs - both manual and powered. They do not put a price on the chairs, only ask that you either pick up or arrange for delivery.

If you plan on getting a power wheelchair through Medicare or your own private insurance, it is important to note that Medicare and most private insurers will cover between 50% and 80% of the allowable price for power chairs for those who are eligible. The amount that your insurance company pays will depend in part on the type of mobility chair you require and the state in which you live. Be sure to do your homework, and beware of anyone who knocks on your door or approaches you on the street and offers to take you to a physician to get a free power wheelchair or scooter. Legitimate providers do not do that. Instead, they prefer to work with your existing physician. Avoid anyone who will not allow you to use your own physician and insists that you go to theirs.

It is possible to find free power wheelchairs if you are realistic about what is available. Regaining your mobility and independence is definitely worth the research!

THE Housing Solution

Well the numbers are in and it looks like home foreclosures are up a whopping 15% in the first half of 2009, affecting more than 1.5 million households. This problem does not appear to be getting any better as unemployment is nearing 10% and could go even higher, if you believe like me that government forecasts are about as accurate as throwing darts in the dark.

So the most recent “shot in the dark” from the Obama administration appears to be this disaster: a rental option for those facing foreclosure. This will “help” people stay in their homes and will transfer their equity, if they have any, to the bank and allow them to rent from banks, who apparently are now to become landlords. This is flawed on so many levels I don’t know where to begin.

Perhaps they need to look no further than one of their own agencies, Sallie Mae, for a real solution to what’s becoming the #1 problem with our economy and our country. Let’s have a look.

When I was an 18-year old and about to start college, I knew it would be necessary to take out a loan to pay for some of the costs of attending a private university. What I didn’t know at the time was that I was basically signing my life away, and that this debt would follow me wherever I went through life, the only way to get out of it being either death or permanent disability. And while I had always intended upon paying the money back and since have; had I understood those ramifications at the time I signed on, I may have thought differently about it.

Fast forward to today, the average college student graduates with over ,000 in debt, and they haven’t even entered the workforce yet

So why are we letting homeowners (or those who took out mortgages) walk away from their obligations with not so much as a dent to their credit? Unfortunately, the mentality that got us into this mess is the same mentality that will continue to kick this problem down the road in the name of populism. But I say: it’s time to get tough!

Here’s how to combat this problem in a sensible way without harming those who were responsible citizens (any more than they already have been) and at the same time holding all of the “bad actors” responsible.

If you receive a foreclosure notice, you have 2 options: to either walk away (as is what is currently being done) or opt in to a new program which will be outlined below. Both options will have benefits AND consequences.

If you choose option 1, the consequences are: immediate removal from the property in question. An automatic 400 point hit to your credit and you are BANNED for 10 years from buying another property unless you pay back the loss the bank incurs in full. It becomes a criminal offense to damage a house on the way out with automatic jail time.

If you choose option 2, the new plan will be structured as follows: you are given a timetable by which you need to vacate the premises. The house is auctioned off immediately and whatever the market brings is final. The loss that is incurred is split 3 ways, 1/3 to the bank, 1/3 to borrower, and 1/3 to the government.

However, the loss incurred by the borrower is given an immediate forbearance and it now becomes a Sallie Mae-type loan.

For example: if a homebuyer paid 500K for a home he can no longer afford, the home gets auctioned off immediately. Say it brings in 350K. The 150K loss gets split 3 ways and each party is responsible for 50K.

But now the home-buyer does not have the “scarlet letter credit smear” on their report and can apply for a new mortgage at a time that they are ready to get back in the market. This means no more LIAR or NINJA loans.

So now some time goes by and that original homebuyer is able to get back to work and maybe save up a little cash for a down-payment. He can come back into the market and buy the amount of a house he qualifies for LESS the amount of the money he owes on his first failed attempt. So if he qualifies for a 250K mortgage, he can only buy a home worth 200K.

He pays a tax increase of 2% over the next 20 years to repay the government so that responsible citizens do not have to carry the load in full.

What does this accomplish? First, it allows the homebuyer an escape route AND still be responsible for their role in the mess and not be totally ruined. Secondly, it allows the banks to move the house quickly which will help housing prices bottom out more quickly which will bring in new buyers. It allows responsible homebuyers to upgrade if they choose, while at the same time forcing the less responsible to downgrade. The inevitable loss that a responsible homebuyer faces is off-set by the new lower price of his home, and you give him a tax credit for the loss which they can take over say 5 years.

While this is just one proposal, I really hope the government adds an element of personal responsibility back into any program that they choose to try to combat the housing problem. But trying to artificially prop up home prices and rewarding those who acted badly all on the tax-payers dime is a travesty.

After all, there are 22 year olds walking around with 25K in unforgivable debt and they haven’t even been given the opportunity to act irresponsibly yet.

Diabetes mellitus is a condition in which the pancreas can not produce insulin, or insufficient amount of insulin produced. It also refers to the condition that the body’s cells resist the effects of insulin on the issue of absorption of glucose. In general, the treatment of diabetes mellitus promote healthy diets and exercise routines to control blood sugar in the blood. Other drugs for the treatment will depend on whether the medium is a type 1 diabetes or type 2 suffer. Because the disease affects mainly the production of insulin, which the reader is informed that a hormone insulin is produced by the pancreas. His job is to transport glucose (sugar) from blood into liver cells, fat and muscles, allowing the body to use energy. If there is an imbalance in the production of insulin relative to the amount of glucose in the body, the result is high blood sugar or diabetes. There are three types of diabetes, namely, type 1, type 2 and gestational diabetes who require treatment to control blood sugar. Otherwise, the progression of type 2 diabetes can be held responsible for a type-1. In addition, the lack of care or treatment for all types of diabetes mellitus due to complications such as heart disease and stroke. In type 1 diabetes, the body’s immune system mistakenly insulin-producing pancreatic cells attacked a result little or no insulin production ever had. This is common among children and young adults, hence the nickname of “juvenile diabetes”. This represents 50-10 percent of people with diabetes. Treatment involves a daily injection of insulin and oral medications. However, the latter for this type of diabetes, because it discourages digested by the stomach. Type 2 diabetes occurs when insulin produced is insufficient to control the sugar or in which the cells to insulin than the insulin resistance known to react. They are used to scatter among obese people and now includes young children because of the impact of high technology in their environment. Today’s children are often at the computer and television instead of burning calories through their engaging in physical sports such as basketball, tennis, badminton, etc. They now comprise 90-95 percent of diabetics . Gestational diabetes occurs in the last months of pregnancy and should disappear after birth but he can not repeat that type-2. Patients with gestational diabetes should seek appropriate treatment from their doctors, to prevent the progression of type 2 diabetes. In general, diabetes mellitus is treated by diet, exercise and medications or drugs and insulin type-1. However, continued research on this disease, has led to the development of new therapies as treatment: a pancreatic islets transplantation specific (islet) 2 transplantation3 Pancreas. The introduction of new drugs with synthetic human insulin. 4th of insulin analogues, a drug that can mimic the action of insulin in the body. The effective implementation of diabetes mellitus diabetes should deep understanding of the value of close cooperation with their doctors and nutritionists and certified educators. You can patient information on the nutrient content of foods, regular exercise and medical care. Alvin Hopkinson is a health research leader in the field of natural remedies and natural treatment of diabetes. Learn how to reverse diabetes with proven and effective home remedies, all without the aid of drugs or dangerous drugs. Visit his website today at http://www. diabetes less. com

A large amount of food we eat is turned into glucose (sugar) during digestion. Glucose circulates in the blood and should be taken by the agency to provide food and energy for the body. If the pancreas does not produce in their production of insulin, blood sugar rises and leads lead to diabetes. It will now be necessary for drugs to treat diabetes. The drugs are taken to the following questions: - failure to produce insulin to insulin resistance too little insulin to produce address, there is too much glucose absorbed glucose is absorbed too little too sweet it unusedThe insulin treatment Basic diabetes, including requiring gestational diabetes diet plan and good exercise. The question on the type of drug is administered today differ by type of diabetes that is managed. The drug for the treatment of type 1 diabetes is insulin injection since the body needs glucose absorption as soon as possible. So complete insulin must enter the bloodstream directly, allowing immediate absorption of glucose. oral medications is that in this type of medication is not recommended to go through the digestive system before it enters the bloodstream. Take too long to make the diabetic patient is low, and even lead to death. The drug used to treat type 2 diabetes and gestational diabetes are oral medications, since glucose uptake is still ongoing, but too little to the normal amount needed by the body to maintain. In some cases, worsen the diabetic state and not enough medicine to allow oral drug absorption of glucose. Therefore, type 2 diabetes are now two oral medications and insulin injections. The five classes of drugs for the treatment of diabetes are listed below for the treatment of disease: a Chlorpropamide. There was a group of drugs that was introduced in the United States of America (USA) in 1955. He encouraged the beta cells of the body to produce extra insulin. This technique is effective in the treatment of type 2 diabetes, but only works on certain types of diabetes Type 1. Side effects include bloating, hypoglycemia, anemia, heartburn, weight gain, changes in taste about 1% to 3% and sensitivity of the sunlight. Metformin second. In 1957, metformin and phenformin have been developed. Unfortunately phenformin was withdrawn from the market because of several deaths of lactic acidosis in the United States. Metformin may be used in the United States for Type 2 diabetes, only in 1994 because of the margins placed by phenformin. Its effect is to reduce the overproduction of glucose by the liver. Side effects include nausea, diarrhea, bloating, flatulence, cramps, taste changes, lactic acidosis, agitation, headache, and lack of vitamin B12. Acarbose or miglitol third. Also known as starch blockers because they retard the digestion of complex carbohydrates. Side effects include diarrhea, bloating, excessive gas, abdominal pain and nausea. The fourth rosiglitazone or pioglitazone. The first class of medicine that the resistance of type 2 diabetes reverses the insulin. Targeting high blood pressure, high triglycerides and low HDL (good cholesterol). Side effects of fluid retention, weight gain, swollen legs, the upper respiratory tract infections, muscle aches, headache, sore throat and toothache. 5th Repaglinide. This medication stimulates the beta cells in insulin levels from different sulfonylureas by copying the first phase insulin secretion to increase after a meal is consumed by people without diabetes. Side effects include vomiting, muscle pain, hypotension, nausea, respiratory tract infections, joint pains, colds and flu like symptoms, diarrhea and back pain. In all types of drugs to treat diabetes, there is much emphasis on the importance of a support team of diabetes. They educate and care for diabetics to monitor the effects of the drug continuously by determining the levels of glucose in the blood. Alvin Hopkinson is a health research leader in the field of natural remedies and natural treatment of diabetes. Learn how to reverse diabetes with proven and effective home remedies, all without the aid of drugs or dangerous drugs. Visit his website today at http://www. diabetes less. com

Wholesale sales are of highly profitable. This is because the rapid rate of production and sales resulting in gains in large numbers. Also if the abundant natural resources make it even more profitable way not worried because of the amount of the staple. This occurs in products made from Dead Sea mud. When sold in dead sea bulk are higher due to the high number of requests as well. This occurs because of the popularity of Dead Sea mud that has properties very much for your health. This makes many people look for these products.

This gap is used by observant businessmen who saw an opportunity. They sell their products through wholesalers. This makes the consumers interested in the sale and resulting in soaring market demand. This is reinforced with given half the price that makes demand more out of control.

Dead sea mud wholesale increase year by year because many consumers are starting feel use of mud properties. It also heightens the market view that products made from Dead Sea mud has a property that truly proven. However, we as consumers should be observant in buying products in bulk amount. This is because wholesale sales do not guarantee the quality of all its products together.