beauty and health

Posts Tagged ‘car’

Employer based Health Insurance

When looking for health insurance, the first question you should ask is, “Does my employer offer a health insurance plan?” Most companies provide health insurance as a benefit, and larger firms are required to provide health insurance. If your employer has a health insurance plan you should take the time to look into the costs and benefits. Very often employer-based health insurance is less expensive than comparable individual coverage.

Employer-based health insurance is cheaper for a number of reasons. Number one is your employer bears some of the cost for your health insurance. Another key reason employer-based health insurance can be less expensive than individual health insurance is rates and qualification requirements are typically lower. You can also save additional money with employer-based health insurance. One way is to have your employer pay the premium on a pre-tax basis to lower your overall taxable gross pay. Another way to reduce your taxable income is to participate in your employer’s flexible spending plan to save money for out-of-pocket health insurance expenses such as co-pays, some medications and certain medical devices.

COBRA benefits

A concern you might have about employer-based health insurance is what happens to your health insurance when you change jobs, are released by your employer or otherwise become unemployed? A government program called the Consolidated Omnibus Budget Reconciliation Act (COBRA) gives you the right to carry your employer-based group health insurance coverage with you for up to 18 months. While COBRA will allow you to remain insured, you will have to pay the entire premium for your group health insurance. Previously both you and your employer contributed to the cost of your health insurance. If you find yourself requiring COBRA benefits make sure to fill out the appropriate forms available from your previous employer’s benefits department within 60 days of leaving the job. Otherwise you could be denied COBRA health insurance coverage.

No employer-based health insurance? No problem!

What if your employer doesn’t offer health insurance? Not a problem, you can always buy an individual health insurance policy. And it’s possible, if you are member of an organization or group that offers group health insurance, to retain the benefit of employer-based health insurance in terms of lower rates and qualification requirements.

Whether your employer offers health insurance or you are just looking for an individual health insurance policy, be sure to take your time and compare health insurance quotes to find a policy that best fits your family’s health insurance needs and saves you money. It pays to shop around for your health insurance policy.

Your Must Know Guide to Wheelchair Lifts

What are wheelchair lifts?

Vertical wheelchair lifts, wheelchair lifts for short, are automatic or manual machines that aid the mobility of those in wheelchairs or with difficulty walking. In addition to being motorized, lifts come in exterior or interior varieties for transportation. There are also a number of choices for home stairway lifts. Lets take a look at the choices.

Automatic or Manual

Though many like the electric wheelchair lifts, they are significantly more expensive than the manual lifts. However, the manual lift is heavy and unless it is an interior vehicle model, the caretaker will need to be able to pick up the heavy item. When the lifts are outside and able to fold, it makes it easier on the caretaker but they have a bit of weight as well. Through their shortcomings manual wheel chair lifts are able to easily fit into budgets.

Automatic or power wheel chair lifts are easily operated and some have manual options built in for backup support. They are powered by hydraulics and come in a wide range for the home and automobile. The batteries for the wheelchair lifts are either on board the wheelchair itself or connected to your car battery. The onboard batteries can fit in any home outlet and can be taken off and recharged as needed. The models that are connected to your car battery will require professional installation, which can be expensive, but you won’t have to keep recharging the battery.

Which one is right for you?

Picking your wheelchair will depend on your individual needs. Each type has their advantages and disadvantages. Take into account your budget and the ability of the caretaker(s) and health professional. Don’t be afraid to ask questions to better understand your option. Also remember that research is key in finding the best wheelchair lift for you.

If you owned a Hoveround Power Chair where would you go next?

Physical Therapy is Like Penicilin

It seems to me that sometimes, in physical therapy, people decide to stop scheduling their appointments before I’m quite ready for that to happen. I’m sure this happens to practitioners like chiropractors as well. For us, here in Spokane, physical therapy needs are based on many factors. Only one of those is the patient’s pain level. There are other reasons why people need physical therapy after a rotator cuff repair, ACL repair or car accident. When you first meet with your therapist you will probably remember that he tested lots of things about your injury, not just asked you about your pain. Why is this important you ask?

Physical therapy is like an antibiotic. Do you remember your doctor always telling you to take the whole course of the antibiotic even if your symptoms go away before you are done? The reason you need to do that is that the infection is not totally gone from your system until the antibiotic course is over. If you leave 5 or 6 pills in the bottle the infection will most likely make reappearance.

The same is true for physical therapy. When you therapist does your evaluation he finds lots of issues with your injury and only one of those is your pain. You may also have issues with range of motion, strength, endurance and function. At the end of your course of physical therapy, hopefully all of those issues will have been resolved. If you stop coming to your appointments because your pain is gone it is likely that all of your other issues have not yet been resolved. You didn’t finish your “course of antibiotics”. Most likely what that means is that with in a few weeks or if you’re lucky a few months your original pain will return. The good news is that your therapist knows not only how to decrease your pain but how to treat all of those other issues so that your pain doesn’t come back. If you commit to continuing your course of therapy until all your issues are resolved, not just your pain going away, it is much more likely your therapy will be successful for the long term. If your Spokane physical therapist completes your course of PT you will even be provided with strategies to deal with your issues in the future to help prevent their return. So when in doubt, talk to your therapist and if you still have issues with stability, strength or range of motion, continue your treatment until those are resolved and you will be much more successful.

After your physical therapy course has finished, and your physical therapist has discharged you from treatment, you will likely be given a home exercise program. Your PT should be able to give you some sort of timeline of how long you should perform your home exercise program. For some people this may mean for the rest of your life, but more commonly it will be for the next couple of months. Remember, pain is one of the worst indicators of biomechanical dysfunction.