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Posts tagged ‘health insurance’


by James Tuck

Top 10 Health Insurance Companies in the US

A short list and description of the top 10 health insurance companies. The state of the health insurance industry has been one of the most intensely debated topics in theUnited States. With such a wide range of diversity within the industry, targeting a list of the top 10 health insurance companies can vary greatly depending on criteria. This list of the top 10 health insurance companies was created using 2011 data based on direct premiums written.

UnitedHealth Group: With over 84 million policy holders in 2011, UnitedHealth Group has the highest market share and has the highest number of direct premiums written of any other insurance company on this list. It is also very committed to preventative medicine issues and to health education.

WellPoint: Since its merger with Anthem, Inc. in 2004, WellPoint Inc. has held the distinction of being the largest, publicly traded health benefits company. Though it is a young company, it stands out in its mission to provide high quality health care at an affordable cost.

Health Care Service Corporation: Offering a wide variety of private and group insurance options, Health Care Service Corporation stands out to employers as having affordable, versatile policy options. It is the largest customer-owned health insurance company which shifts the focus away from accountability from investors, towards accountability towards customers.

Humana: This company distinguishes itself by marketing its products in the United States, Puerto Rico and Western Europe. Additionally, they administer health insurance for one of the United States’ largest markets, the U.S. Military.

Highmark: Highmark Inc. covers a smaller market than most of other companies on this list but excels in a much needed niche, providing supplemental and temporary insurance policies. These types of policies provide services for short-term needs and cover costs that normally might not be covered under a single insurance policy.

Coventry Health Care: Coventry stands apart in it diversified coverage offerings. Plans are set up so that individuals or businesses can select the coverage options and create a unique package that suits their particular needs. As of 2011, their prescription coverage plan is ranked third in the nation.

Kaiser Foundation Health Plan: The Kaiser Foundation is a non for profit insurance provider, dealing exclusively in HMO insurance. This means a dedication to lower costs and affordable premiums. The Kaiser Foundation is often praised for its quality of customer care and stance on preexisting conditions.

Aetna: Aetna has a long history which starts in 1819 as a fledgling fire insurance company. At the turn of the century, it became one of the first companies to offer health insurance. Since that time it has grown to be one of the world leaders in health insurance providers and a Fortune 100 company.

EmblemHealth: Providing coverage exclusively to New Yorkers, EmblemHealth Inc. has committed itself to community-focused partnerships and superior customer care. It is a relatively young company yet, as of 2011 it held 2.3% of the total market share.

Independence Blue Cross: Innovation drives this Pennsylvania-based health insurance company. Independence Blue Cross has committed itself to seeking out creative solutions to meet the everyday challenges in health care systems. Their goal is not to keep up with the changes in health care, but to create those changes.

 


by James Tuck

4 Tips for Getting Family Health Insurance

1. The state insurance

State insurance has been set up for people who can’t afford to invest in a private policy and have no other options. Most of the time, the state will not make the parents pay any money for a co-pay but it really depends on the policy. If a person is under insured, the state will often pick up the rest of the tab that isn’t covered by the first insurance. The state has programs specifically set up for families, and pregnant women. Ideally, the state would like to be the second insurance behind a primary insurance. The state programs have been set up for people in need though, so it’s not an option for everyone.

2. Work insurance

Many companies will offer health benefits to the immediate family of an employee. In order for the spouse to get the health benefits, the couple has to be married. It doesn’t matter if the employee is male or female, the spouse is entitled to the same benefits once the couple is married. Although every health insurance company and employment company will do things a little bit differently. The kids are entitled to the company of their natural parents or their guardians. It doesn’t matter if the parents are married or not. Ultimately, the rules and regulations are up to the employment company. All the companies do not offer health benefits though, so this also may not be an option.

3. Private family health insurance

Sometimes, families choose to invest in a private health insurance company. Often times the premium of these polices are decently priced monthly payments for the head of the household. This is a good option for families who do not get insurance through their work but make too much money to get the state insurance. The companies that sell polices to certain companies will also sell polices to individual families, so these private health insurance companies are well known in the health insurance industry. These polices may not be an option for everyone because some people can’t afford the premiums but still make too much for the state insurance.

4. The factors of getting improved for private health insurance.

There are certain factors that are important to the health insurance industry when it comes to getting approved for private family health insurance. The age and overall health of the person at the time they apply are key to how much it will cost to get a policy. It’s highly recommended that people get family health insurance while they are healthy because it’s nearly impossible to get a decently priced policy when you are sick. Bad health can come unexpectedly such as a car accident; which is all the more reason to get good health insurance before you need it.


by Logan

Are You Taking Fake Medications?

Have you ever picked up a medication tablet or capsule, looked at it, and wondered what in the world you were really taking. Luckily for you, the FDA governs medications very closely. Pharmacies are held to a very high standard when they are getting their medication that they in turn dispensing them to you and me, their customers.

But, as health insurance prices are climbing higher and fewer employers are offering insurance, people are looking at different avenues to get their prescription medications.

I have been approached by several people about my opinion of getting medications through the internet. Of course, this is often without a prescription.

Their argument is that they have been on the medication for years. Why do they need to see a Doctor, just to be written for another prescription that they have already been taking.

On one hand, I understand their dilemma. Doctor visits are expensive, especially if you don’t have health insurance.  But, they need to be followed and evaluated for improvement on the medication or lack of improvement despite the medication.  So, for me this argument doesn’t hold water.

But regardless, more and more people are looking to Canada,  Mexico, China, and other countries for their medications

The problem is that they can no way verify that what they are actually taking is what is being sold.

Absorption of a Medication

Every time you take a medication, whether it is Acetaminophen or a Depression medication, a portion of the medication will be lost in the digestive process.

What does this mean?  

For arguments sake, lets say that 50% of the medication is lost from the moment in enters your mouth, until it is absorbed in the stomach.  As the process of digestion begins, the medication usually is intended to be digested through the stomach. As this happens, the medication is actually broken down and absorbed. Sooner or later it enters your blood stream.

This is why dosing is very important. A larger does may mean more absorption. This will help treat you more effectively.  Though there is a saturation point, where more medication doesn’t mean a better effectiveness. A balance is needed to be found.

Counterfeit Medication

This is also called fake medication. Often the medication cannot be verified.  This means you could be taking IBU instead of that expensive muscle relaxer that you are trying to find.   Even if they work to make the medication look like what you are used to taking, you just never know.

Then we are back to dosing. Even if you are taking the right medication, how do you know the dosing is right. This is the real problem. Maybe you are over or under medicating. It is hard to tell, unless you are a pharmaceutical and analysis genius to know if you are taking what you need to be taking.

Some medications, even off by a small amount will drastically change the effectiveness of the medication.

I’ve brought this argument up with my friends, and they think that even some medication is better than no medication. It is hard to sway them differently. But, I hope that they at least know the risk that they are taking.

The WHO or World Health Organization has also looked into this large problem.  They are identifying several areas where fake medications are being used and abused.

They are following several cases where treatment failure and death have resulted because of fake medications.   They tend to call fake medications SFFC medicines.  SFFC means Spurious – Falsely labeled – Falsified – Counterfeit (SFFC) medicines.

The WHO also came up with some of the fake medications.  In 2012 in the US, a counterfeit medication for cancer was found. Avastin was the medication name and it lacked the active ingredient in the medication.

For the last several years Viagra and Cialis have been counterfeited.  This medication is for erectile dysfunction and is a common “underground” medication.

Other medications that have been targeted are HIV medications, Weight loss medications, depression medications, high blood pressure medications, and more.

Overall, the risk of fake medications far outweighs the benefits they could provide. You must think that whoever is creating these medications is doing so for a profit. They will cut corners, even if they are well intended. There is a reason medications are so closely controlled. It is a very difficult and important area and we need to make sure we are doing it right.


by Logan

Are You Choosing Not to Have Health Insurance?

Health Care and health insurance is a huge debate – both on national levels, state levels, and even in our own homes. The dilemma is present and the outcomes are even scarier. No matter what side you are on, hopefully you can see that not having health insurance can be a potentially huge problem.

Often health insurance is something that we take for granted. Of course, this isn’t in all cases. It appears to be especially true for college age students.  Is the reason for this availability or choice. Are more people loosing their jobs or is good coverage becoming too expensive.

A recent study came out and indicated that some 48 million Americans may be without health insurance. But not all of the cases are because of a lost job or unemployment. Some are by choice. Others site that individual health insurance is too expensive.

Without health insurance, large problems brew. With no insurance, you may skip out on that yearly exam or you may avoid getting treated for moderate pains, problems, or concerns. In the end, this only worsens your overall health.  In the long run, this could prove to be a vital problem.

The Commonwealth Fund provided the study of around two thousand individuals. 25% did not have any insurance and around 25% of those who didn’t have insurance have never had insurance. Another 30% or so indicated that they had lost their insurance from an employee sponsored insurance through cutting of jobs, benefits, or a complete loss of a job altogether

Some argue that no one is choosing to not have insurance

There are those who report that choosing not to have insurance and being unable to pay for it is vastly different. What do you think?

Could someone make enough money on paper, but have too much debt. It looks like they may be well off but really, they are struggling to stay afloat.

Common sense or your own history would make it difficult for you to believe that anyone would actively choose not to have insurance.  Ideas that they may be saving the money that they were going to use for insurance into a special account to use for doctor visits.  Are you money savey enough to save your money enough to have a real benefit from not getting insurance.

Remember back to your College years

I personally had tons of friends who choose not to waste their money when they were single on insurance. They had the invincibility shield on and believed that they would never need the insurance and so why pay for it.

The U.S. Department of Health and Human services estimated that in 2008 – 44 percent  of those uninsured were between the ages of 18 and 34.  Their belief that a good portion of these people believed that they were immune to sickness.  In half of these cases, the individual could pay for individual insurance.

But many of those, who choose not to have insurance while single and a student, once married, are strong supports for health insurance. When a family comes into play, a lot of things change.

Overall

Health Insurance is a very tricky issue to deal with.  Without a doubt, there are those who need insurance who can’t get it. This could be a variety of reasons, and the most basic, is that they haven’t taken enough time to search through and find a individual coverage that suits them.

Others have recently lost their job or are in-between jobs. Another good proportion of people, their companies no longer offer this benefit. That would be so hard, to previously have had insurance, to have not lost your job, but are no longer able to have insurance through your employer.

But at the same time, for whatever reason, there are those who are actively choosing not to have insurance. They may see someone else forcing them to have insurance as a bad thing.

The one thing that we know for sure, not having insurance is a horrible thing. You may think that you are invincible but one day, something may happen. By not having insurance, you could be setting yourself up for a life full of financial misery. 

Take the time and find an insurance that is right for you.


by Logan

What is the Children’s Health Insurance Program? Also called CHIP.

CHIP is called the Children’s Health Insurance Program.  It is a program that is given or administered by the United States Department of Health and Human Services.

It is a state and sort of a federally funded program. In essence, the program is matched fund to fund by the federal government  to provide insurance for families of children.

There is little worse than not having insurance when you have children of your own. Stress and anxiety eat at you daily as you try to find a job that has insurance or another way to get it. CHIP is a good source of insurance for children.

It was initially designed to cover children who were uninsured where the parents’ incomes were modest but too high to qualify for Medicaid.  In other words, Medicaid covered insurance for very low income families. But studies were showing that there were a large number of children, whose families made some money, and therefore didn’t qualify for Medicaid, but who still weren’t insured.

History of the CHIP Program

CHIP was started in 1997 and was an expansion of taxpayer-funded insurance. It was the largest of sorts since Medicaid began in the 1960’s.

It was originally seen as a ten year program.  Therefore a reauthorization was required in 2007.

It began under the Social Security Act.  It was supported by Senator Edward Kennedy, Senator Orrin Hatch, and First Lady Hilary Clinton at the time.

It really became hatched after the 1993 Clinton Health Care Plan had failed. This smaller version, and more specific was envisioned. They also wanted something that would gain support from both parties.  It was funded on the thought of increasing tobacco taxes by 75 cents.

 

Partnership of the State and Federal Governments

This program is a partnership and it was passed with the belief that success depended on both parties working well together.   The state would have certain responsibilities, guidelines, and choices.

The first choice for a state was how to use the CHIP program. 3 different possibilities were seen.

1.)     The state could use the CHIP program separate from the Medicaid Program.

2.)     The state could use the CHIP program and the funds, to expand the Medicaid Program.

3.)     The states could make a combination program.

The states would then receive federal funds in addition to the funds for Medicaid match.

In early 1999, less than 2 years after it was passed, 47 states had signed up for the CHIP program.  But, the problem soon became clear. It was difficult to get children enrolled.

Administration of George W. Bush and Barack Obama

There were two attempts under this presidency to expand the funding for the CHIP program. In both times, President Bush vetoed the bills.

The belief was a large concern by President Bush that the government was moving towards federalization of the health care in general.

His belief was also that the government was heading away from providing insurance for poor children and moving toward providing insurance for the middle class families.

In February of 2009, President Obama signed into place a bill expanding the CHIP program to 4 million additional children.  It also included pregnant women and also legal immigrants.

 

The Debate

The cost of the CHIP program over the first 10 years was calculated and came to over 40 billion dollars.  The largest debate is the increasing role of the federal government in health care.

Studies in 2007 showed that children who were once on CHIP and then dropped out, would seek emergency care facilities rather than primary care physicians. In the end, this increased the overall cost for the government.

Another study showed that for every 100 children added to CHIP, there was a loss of between 25 and 50 children from private coverage. This means that some families used the CHIP program not out of necessity and chose it to save themselves some money.  On the flip side, that means that 25 to 50 children who needed the program were unable to use it.

 

Reauthorization

The bill was originally scheduled for 10 years. That means in 2007 it was up for renewal. It passed both houses of the congress and a expansion was approved.

The expansion was considering an annual income cut off of $82,600.  This was vetoed by President Bush.

Three weeks later, another bill was passed with an annual income cut off of $62,000 which was also vetoed by President Bush.

Congress ultimately extended CHIP funding through March of 2009 after the other two bills were vetoed.

It was finally Reauthorized in 2009 by President Obama and the expansion was set into place. A cigarette tax of 62 cents was added.

The CHIP program has great expectations for those children who are uninsured. The goal should be with them alone. Additional programs are being considered to help with overall insurance problems.  The CHIP program is just one battle that is being done for the uninsured.


by James Tuck

Cheap Health Insurance

It is estimated that over 40 million people in the United States do not have health insurance coverage. While some choose not to purchase coverage, for most the lack of coverage stems from an inability to find affordable coverage for themselves or their family. While not carrying health insurance may seem like a more affordable option, the fact is that medical expenses can mount quickly with an illness or injury. Approximately half of all bankruptcies filed each year are caused by medical debt. Finding cheap health insurance can help you prevent you from being in such a disastrous financial situation and can ensure that you and your family have access to the healthcare you need. So how can you find affordable coverage?

Employer Sponsored Plans
Perhaps the most affordable option for most people are employer sponsored plans. These plans generally receive a discount because they are a group policy. Further, many employers will pay for at least a portion of the premium on the employer, if not for the entire family. Because this is the easiest and often most affordable way to get health coverage, it may be in your best interest to look for a new job if your current employer does not provide health coverage.

Government Sponsored Plans
The state and federal governments do offer cheap health insurance for some individuals. These options provide government sponsored healthcare coverage for a select group of individuals. Medicaid is an option for low-income households. Medicare is an option for senior citizens’ healthcare coverage. If you are unemployed, you can look into coverage offered through worker’s compensation benefits. Further, some states offer coverage for those who have been turned down by health insurance companies due to pre-existing conditions.

Individual Plans
If you do not have access to an employer sponsored plan or find it too costly, and if you don’t meet requirements for a government sponsored plan, you can shop around for an individual policy. Unlike what many people believe, you can find cheap health insurance under an individual policy. You will first want to analyze your needs and how you plan to use your coverage. Choosing a policy that has a higher deductible and a higher co-pay will provide you with a lower premium. However, if you visit the doctor frequently, have kids who often visit the doctor for well-checks or illness, or have other healthcare needs that require regular medical attention, it may be less cost-effective to choose a higher co-pay and higher deductible plan. So consider how often you have visited a doctor, emergency room, or other medical facility in the last six months or so, and then consider how a certain policy’s deductibles and premiums would fit in your budget with your own medical history.

Shopping Tips
If you choose to shop for cheap health insurance, you will find that there are numerous policy options available by just a single insurer. With dozens of insurers each offering multiple plans, it can be quite a chore to find the right policy for your needs. To save time and effort, you may find that it is easier to shop around when you use the services of a health insurance broker or make use of a price comparison website on the internet. It is easy to become overwhelmed by all of the figures and details of a plan, so be sure that you narrow down what you are looking for in a plan before you start shopping. Health insurance brokers typically work free of charge to you, with their services mainly compensated for by health insurance companies. So they are a great resource to utilize.

Health insurance unfortunately is not as cheap as most people would like it to be, but you cannot predict when you or your family will need medical attention for an illness or accident. Having cheap health insurance in place can help you to ensure that you and your family gets the medical attention needed without delay. Consider some of these strategies for finding coverage that you can afford.


by Logan

What is COBRA?

Well, besides a snake, a decent book, and some last names of some famous individuals.  COBRA is a health insurance plan that can protect you.  It is an interesting  fall back plan of health insurance and it is something every individual should know more about.

When you’ve lost your job, besides the loss in income, one of the first roadblocks considered is insurance, especially health insurance. But Job loss isn’t the only thing that causes this worry. What if, your spouse was the one with insurance and you weren’t. A messy divorce may have you worried about insurance. COBRA is a solution for both cases.

COBRA stands for The Consolidated Omnibus Budget Reconciliation Act of 1985.  This law requires many large and small employers to offer employees to continue their group health coverage.  In most cases, this health care coverage can last anywhere from eighteen months to thirty-six, depending on the situation. They will take into account disability, dependents, and spouses.

The COBRA plan would cover anyone who was covered under the plan in the first place.  Even a new child, born while under COBRA qualifies as long as they are added within 30 days of birth or adoption.

 Why would you need COBRA?

1.)     You were terminated from your employment.

2.)    You quit your employment

3.)    You lost the necessary hours for the employer to offer benefits

4.)    The divorce or legal separation of a covered employee from their spouse.

5.)    Others

Choosing to start COBRA can be a difficult position. For whatever reason arises that this must be considered, you must remember that you must approve COBRA coverage. It is not automatic. A 60 day time period is given where you may choose to begin coverage. After 60 days, additional discussion must be made with someone involved in your insurance coverage.

Payment must be made within the first month or two after initiating coverage. If the initial payment is not received, within the first 6 weeks of coverage. The insurance may be denied, revoked, or reviewed.

The interesting aspect is that COBRA is not endorsed by any insurance plans. Because it is a law, it is a provision to protect an employee and and employer to allow medical coverage even after something has happened, such as a family change or termination from employment.

The big drawl back from COBRA is price. Typically, because the employer is no longer paying a portion of your health insurance, the cost skyrockets. This has been a real turn off to many number of people. The American Recovery and Reinvestment Act or ARRA has provided some breathing room in the area of cost.

This act substantially reduces the premium offered for COBRA policies. This was largely put into affect a few years ago. It was primarily for those who were terminated. Continued decreases in premiums could go for fifteen months. The deadline was May 31st 2010 and for those who took advantage – additional fifteen months of decreased premiums have been seen.

Overall, health insurance nightmares have largely been avoided, but at a steep price. But for many, this is a good bridge to be used until another source of health insurance could be found. If used for a month, or ten, insurance didn’t lapse and the result of good health coverage and relief can not be measured. Learning about COBRA in any circumstance is helpful, you never know what will happen in the future.


by Logan

Health Records are Electronic Medical Records….or are they?

The EMR is the new medical word of the day. EMR or electronic medical records is something that has really come into its own in the last decade. EMR is a computerized record that helps organize a patients medical chart into a single file. Well, at least for a single patient at a single facility. If you are seen in an emergency room and at your Family Physician’s Clinic, you could have two files.

Well, then again, you could have one also at your Dentist office, your OBGYN and also at that place you went last month to get some laser hair removal.  Oh ya…two years ago you went and had a urology visit because of bladder issues and had your first ever colonoscopy.

In reality, there are several files with your name on it.  Each could say the same thing…or they could be saying something different.

So what’s the big need for an Electronic Medical Record?

Truthfully there is a need.  Especially for those patients who have many medical issues. This computerized file allows a provider to follow you better. It really does.

Immunizations, Follow up appointments, medications changes, procedures, and so much more can be done with this file. It can be easy to store and even easier to access. Well, accessed by medical personnel at your clinic.

 It’s either a EMT or paper-based system.

Now, don’t get me wrong. Paper-based systems are vitally important in certain facilities and settings. Due to a number of reasons including, user friendly, cost, history, difficulty to switch over, and desire, paper charting may be still used. It really depends on the size of the facility and the complexity of the patients. But in most cases, the EMR is the way to go.  Or the direction clinics are planning to go.

If several different paper files exist and a single provider or health care individual wanted to look at each of the files. This would be very time consuming and probably repetitive in work the was done and would be done.

Cost is really a huge thing. Paper-based systems are relatively inexpensive where as an EMR can be a very costly endeavor.

Legal Ramifications

Medical providers and Medical clinics are often embattled in legal actions, one way or another.  Whether this is a good thing or not, is another argument entirely.

But accessing medical records in a timely manner, being able to make adjustments, and reviewing the record when necessary or when changes are being made, makes sense both on a patient treatment basis and a legal basis.

HIPPA laws are there to protect the patient and the provider. Better records help attain both goals.

But, EMR’s are not legally mandated for good reason. Each facility has different needs. Having a single EMR company or manner, would be ineffective. A large hospital would have an entirely different need than an OBGYN clinic, or even a dermatology clinic.  It would be very hard to have one company that controls the entire EMR world.

Speaking of world, EMR’s aren’t only found in the United States, but truthfully worldwide. Europe and other countries have their own systems. The exception is the United Kingdom.  The Health system is unified, therefore the EMR system is as well.

 Are Privacy Concerns Real?

Yes and No.  Yes on the side of accidents do happen. Access is accidentally given or hundreds of documents are thrown away instead of being shredded. It can happen, but overall, an EMR system should protect the privacy of the patients. This is being seen in this case.

Overall, there are good and bad sides to the EMR world. Work will move forward on a country wide EMR for at least basic patient information. There are many who argue against this. For now, we will continue having several different charts at our different medical clinics. This is a good thing. Cost is rising, but so is patient care and protecting the patient.

Just in case you didn’t know it, there is a medical chart [EMR], somewhere with your name on it.


by Logan

Can an Increase in Sexual Activity Really Help Prevent You From Prostate Health Problems?

Many men would just love to come home from the Doctor’s office with great news. This news would be… that an increase in sexually active may really prevent them from getting Prostate Cancer. Of course, the number one problem would be the validity of this information, whether it was true or not. Let’s dive into the two camps of thought.

First, let’s look at the Prostate itself.  The prostate is a gland, an exocrine gland, of the reproductive system of men.  Exocrine means that it secretes a chemical or hormone. In this case, it is an alkaline fluid that makes up a third of the fluid involved with semen that is produced within the prostate and then released.  The prostate, along with the spermatozoa and seminal vesicle help create semen.  For the prostate to work properly, you need androgens or male hormones.  The primary hormone is testosterone.

In some cases the prostate can become a cancer. As illustrated in the picture above. Prostate cancer can be a seen in a large majority of men. Though often symptoms do not present themselves. A large amount of research has been done to look at possible prevention of Prostate Cancer.

Now back to the dilemma. The real problem is that in the past, there has been so much conflicting information on whether increase sexual activity can really prevent cancer of the prostate.  Some have even hypothesized that sexual activity would lead to problems with the prostate, causing damage and even increasing the risk of prostate cancer. Often these cases deal with increased risk of infection and STD’s.  But often the risks, in these studies, had little to do with the actual ejaculation process.

In other studies, they speculated that increased sex drive means increased male hormones and this increase is a risk, in of itself, for prostate cancer.  Since hormones are associated with the function of the prostate, and hormones also seem to play a role in cancer, the two became linked. The jury seems to still be out on this aspect of the debate.

In 2005 it was produced through Johns Hopkins Medical Institution that a massive study, overlooked by epidemiologist Michael Leitsmann at Harvard. It appears that this was a decade long study. They studied nearly 30,000 men.  Most of the men in the study where white, middle-aged, and very few had history of a sexually transmitted disease.

The main question asked was the typical number of ejaculations per month in their twenties, forties, and during the past year. This information, at least immediately, was minimally helpful. The group of men was followed for the next eight years.  During the next eight years – 1,500 of the 30,000 went on to develop prostate cancer.

The findings were equally important to note. When men, on average, had more than 21 ejaculations per month for their lifetime, had ¼ or 25% the risk of men who reported few ejaculations per month (4-7).

Elizabeth Platz who also had difficulty with conflicting theories organized the Harvard study felt this study was more credible than other studies.  She pointed out that they had asked questions, especially about average monthly ejaculations, prior to the diagnosis of prostate cancer.  The other item is the large number of men that took apart in this study.  The last item of importance was that the men in the study had been without a large amount of sexually transmitted diseases.  This essential eliminated this risk from their group.

Additional studies have looked at the correlation of increased ejaculations with prostate cancer and have thus far found no relationship. Elizabeth Platz has indicated that the next step in her research will be to identify the protective reasoning behind increased ejaculations and prostate cancer.

It can be assured that new information may shed light on this debate.  Even though a somewhat recent study has suggested that there is a link between sexual activity and decreased risk for prostate cancer. I feel that the debate will rage on.  So, if your husband does suggest increased sexually activity to protect against sexually activity, you’ll know that the jury is still out. But, it might not hurt!

Protect your family with affordable health insurance. Use the form above to compare quotes and find great deals.


by Lyndsie

5 Great Resources to Get Cheap Health Insurance for College Students

One of the first things penny-pinching or underfunded students cut from their budgets is their health insurance. That is expensive health insurance for college students. Health problems seem avoidable and unlikely to affect the seemingly healthy students who would rather spend their money on more immediate concerns. However, when disaster strikes, the student is left unprotected. The best thing a student can do to protect him or herself from costly health care is to look for reliable and cheap resources for health insurance.

Sign Up with Parents

The first place to look for health insurance for college students is to their current health plans. Many health insurance plans held by parents, either through their employers or by themselves, can offer cheap and convenient sources for student health insurance. Oftentimes, because the students have been under the same plan for years, extending the plan through college age adds little to monthly costs. Also, recent legislation makes it a requirement for insurance companies to offer this extended coverage through a student’s young adulthood.

Student Union or Health Center

Some colleges may require that students carry health insurance as a condition of enrollment. Because of this, several public and private campuses offer health insurance through the school’s medical or health center or even through the student union. Many colleges have contracted with private health insurers to offer low cost health insurance plans for full time students. Others may provide their own brand of health insurance through an on campus medical center, affiliated medical schools, or simply a campus health center. These health insurance plans are often very affordable as they are designed with students in mind.

Online Plans

There are several health insurance companies that offer specialized health insurance for college students online. One place to find much lower cost plans than larger insurance carriers is right here – this is because we do not have the costs associated with a large staff and buildings to house them. The trick with online plans is to comparison shop the many different companies, investigating reviews and ratings, and comparing the prices of one company against another – luckily our quote comparison tool can also do this for you. Student unions and student health centers can also help suggest companies that will provide adequate coverage without charging outrageous fees.

Community Health Centers

State, local, and community health centers exist to help people who otherwise struggle to fund health care. These organizations will be more than willing to work with students who otherwise cannot find adequate health insurance or are unable to pay monthly premiums or co-pays. Many times these organizations can help find doctors’ offices and hospitals that offer payment plans, provide easy access care, or even offer discounts for students seeking health care. Many of these have sliding scale payment plans based on income and will gladly provide checkups, emergency visits, and other services for much less than other premium health care centers.

Medicaid

Medicaid was created to help low income individuals secure health care and health insurance coverage. If a student is not covered by his or her parents’ plan and is unable to acquire health insurance on his or her own or through his or her school, Medicaid can provide a reliable state-sponsored alternative. Students must meet certain requirements such as an already low income, high medical bills, or a serious disability to qualify, but Medicaid can offer a reliable alternative when other options have failed.

Being a student does not have to mean going without health insurance. With the above five resources, it is possible for even the least well-off student to acquire and hold on to reliable health care.

Also you can compare health insurance for college students by filling out the form at the top of this page. It only takes a few seconds and can save you the money you need!