Bridge The Gap With Medical Bridge Insurance

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Medical bridge insurance is a type of insurance that bridges the gaps that occurs in some traditional policies. It is a known fact that no insurance pays 100% unless the out-of-pocket limit has been met. If this happens, then you have already experienced some major medical bills. In some cases bridge insurance can eliminate the entire portion of cost to the employee. This type of insurance can help provide coverage for confinement to a hospital, and other medical bills.

Those people that are lucky enough to work for a company that offers health benefits can still experience a financial loss. There are deductibles, co-pays, and co-insurance that still have to be paid. And that is on top of high promotions. Would not it be nice to have a low premium insurance that helps with these expenses in times of sickness?

The flexibility of medical bridge insurance offers different options. They are employee, one-parent families, two-parent families, and employee and spouse. This type of policy is priced very competitively so that makes it a great choice if you are looking for some type of supplement insurance.

Another benefit to this supplement is that you can sometimes afford to select your main health insurance with a higher deductible. This will make your promotions much less each month. If you do get sick, the bridge policy can help take up the slack and help keep your finances in good shape.

Talk to your benefit coordinator and see if there are options at your place of employment for medical bridge insurance. If there is not anyone assigned to your company as beneficiary coordinator, you can get the information you need through the human resource department or your manager.

It is good to know that supplementary insurance is not just for the elderly anymore. A medical bridge insurance policy is a safety net that is affordable to everyone. Investigate yourself, and see if this is protection you would like to have. …

Good Hospitals in Addis Ababa, Ethiopia

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Addis Ababa is the capital of Ethiopia and it is a major trade, commercial and industrial center. The African Union and United Nations Economic Commission for Africa are headquartered in this large city. It has several tourist attractions, offers many luxury services and is often referred to as ‘the spa capital’ of Africa.

In general, the medical services of Addis Ababa are underdeveloped. Though there are a number of hospitals in the city, most of them lack required facilities and only a select few are able to deliver good medical services.

Leading Hospitals in Addis Ababa

Saint Gabriel General Hospital is a major hospital in Ethiopia. This health care center, with full-fledged outpatient and inpatient departments, is well known for the services of eminent physicians and a dedicated nursing staff. This modern medical center came into existence in 1995 and has introduced many technological innovations to the nation. It has acquired the Century International Quality Award and provides effective clinical and diagnostic services in all main specialties of medicine. The cardiology department has equipment to conduct stress tests, echocardiography and pacemaker implantations. Modern departments for dental care, physiotherapy, and psychiatry are available for patients. The up-to-date surgery department has units in basic specialties and is well known for laparoscopy. With a well-equipped laboratory and radiology department, the hospital offers services to about 21,000 persons annually. Saint Gabriel General Hospital offers healthcare for staff of companies and organizations and has services with English-speaking staff for foreign communities. The emergency center is well equipped with an ambulance and medical evacuation facilities. Warm accommodations are offered in spacious private rooms equipped with modern amenities. Facilities like pharmacy, gift, flower and mother and childcare shops and restaurant are also available. Saint Gabriel General Hospital is a major center for medical training and research in the country. The hospital is currently undergoing an expansion programs. Telephone: 251-1- 62-14-22

Myungsung Christian Medical Center is located at Kebele 11, Addis Ababa is another well-known hospital in the city. The Myungsung Presbyterian Church of Korea founded this modern hospital in 2004. This center is on a 90,000-meter square compound and is better known as the Korean Hospital. It was built in memory of the Ethiopian soldiers who fought in the Korean War. The patient-centered hospital provides some well-known physicians and good health care services in all major areas of medicine at an affordable price. Myungsung Christian Medical Center pioneered neurosurgery and many other surgical procedures in Ethiopia. It provides a 24-hours emergency service unit, laboratories and radiology department. The hospital is an important center for medical training, particularly in surgical procedures. It currently is conducting a $10 million expansion project. Telephone: 629 5421

Swedish Medical Clinic is a notable hospital and is located at W21-k5-House #453 in Addis Ababa. The Swedish government founded this medical facility in 1967 under an agreement with the Ethiopian government. Effective health care services to expatriates and visitors are provided by this clinic at European standards. InDevelop, a Swedish consultancy group, is currently …

Medical Acupuncture – Does it Work Or Not? The Facts

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Today, people are quite concentrated on their health. Therefore, they try all kinds of activities for staying fit and getting rid of disorders. One of such activities is that use of acupuncture. It involves inserting needles inside the body. The body gets rid of the ailment when heat stimulation is, provided along with insertion of needles. Acupuncture is kind of a natural healing method and it can enhance the functioning of the body.

Therefore, acupuncture is one of the most effective techniques in the world. Today, acupuncture, is used, to treat pain. It can ensure that the needling involved in this process activates the nervous system so that chemicals are, released innocently inside the muscles and brain. Acupuncture is widely used as an imbalance restoration technique. It can make sure that you do not suffer from any problems in digestion and production of energy. It can ensure that the body is able to carry out all the activities normally.

The technique of acupuncture functions on the energy channels known as meridians, which are rivers that move through the body. Any hindrance in the flow of these rivers causes problems with other meridians. Since acupuncture improves the biochemical balance inside the body, the healing powers of the body are, raised. This makes sure that a person is both physically and emotionally well. The internal regulating system of the body improves tremendously through the generation of proper hormones and chemicals inside the body, which occurs through acupuncture. Today, so many people have started trusting this system as a way to remove ailments like pain in the joints.

Acupuncture is not only, related with pain control, it can have serious implications once a trained practitioner does it. In many surgical disorders, this treatment method can provide the required support. It can be, used to rectify digestive disorders like spastic colon, gastritis constipation, and hyperacidity. Even respiratory disorders can, be cured like bronchitis, sinusitis, asthma and sore throat. Even females can use this technique to cure any kind of menstrual, urinary and reproductive disorders.

Therefore, acupuncture can make sure that you get your periods on time and do not suffer from any unnecessary pain in the periods. It's also the right kind of treatment method for problems like tennis elbow, low back pain and frozen shoulder. If the victim of these disorders is, given medications, then they do not work that effectively on reducing the pain. World health organization has identified the use of acupuncture as an effective treatment method for various illnesses. Most of the people also fear the use of needles in this technique.

No pain is, caused once these needles are, inserted inside the body. When insertion is happening, some pain might, be felt. However, still the pain caused is not as much when a person is, injected. In injections, a hollow needle is used but in acupuncture, the tip of the needle is soft, due to which no chances of irritation on skin and bruising exist. Therefore, use acupuncture and …

Changes in the 2010 Kentucky Employees’ Health Plan

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State employee health insurance open enrollment will be held from Oct. 12-25 this year, so today seemed like a good time to go over any changes that active employees can expect from the Kentucky Employees’ Health Plan for 2010.

First, let us look at what will not change for the 2010 KEHP plan year. None of the current health plans has been discontinued, meaning Commonwealth Maximum Choice, Optimum PPO, Capitol Choice and the Standard PPO plans currently offered to employees can be selected for 2010.  Also, like last year, all active employees must enroll for the upcoming plan year either online or by paper application to receive health benefits next year, preferably by enrolling online (you should have received or will receive your enrollment ID and password in the mail in separate envelopes) while all retirees except KCTCS retirees should get their insurance applications and rates from the state retirement systems. Also, active employees in the state health insurance group can still expect to pay premiums well below the national benchmark, since premiums have only increased around 7 percent annually since January 2006.

The lowest cost non-smoker plan will still be the Standard PPO, which requires no premium contribution from single employees and has the lowest monthly premiums for the Parent Plus, Couple, Family and Family cross reference options. The next least expensive non-smoker plan is Maximum Choice, followed by Capitol Choice. The most expensive non-smoker plan is Optimum PPO, with monthly premiums of $27.50 for singles, $176.52 Parent Plus, $469.52 Couple, $561.16 Family and $28.34 for Family cross referencing plans.

Another benefit that will still be offered are Flexible Spending Accounts–tax-free accounts that are used to pay for certain health or dependent care expenses through payroll deduction. State employees and school board employees as well as certain local health department or quasi-governmental agency employees are eligible to participate in an FSA, which allows employees to pay less income and Social Security taxes. Eligible, active employees choosing to waive health insurance with the state will still receive $175 per month (up to $2,100 a year) from their employer in a Health Reimbursement Account (HRA) for reimbursement of qualified medical expenses. Funds remaining in the HRA account at year’s end will roll over to the next year for employees who continue to waive health insurance coverage or continue to select the health plan for which an HRA is offered.

Now, let us look at what will change. While basic coverage won’t change, some costs have been reduced while other costs will rise. First, employee premiums for Parent Plus, Couple and Family coverage under the Standard PPO plan have been reduced, with significant reductions from $64.72 a month to $8.28 a month for Parent Plus and $376.72 to $288.44 for Family coverage. This is excellent news for our families, especially in this economy.

Second, the copay for Optimum PPO emergency room visits in cases where the patient is not admitted will increase $25 to $75. This will only apply to cases where …

What Is A DO – A Medical Field for the 21st Century

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How is a DO like an MD?

A DO, or Doctor of Osteopathic Medicine, is in many ways like an MD and in many ways they are different. Many people have been to the doctor and seen a DO without even realizing the difference. Due to more osteopathic medical schools opening every year than allopathic medical schools, the profession is growing a rapid pace.

There are many similarities between the two professions, even though they have different names. Some of the similarities between an MD and a DO are that both are licensed to write prescriptions, both understand pathology of the human body and how to treat it, and both practice the full scope of Western medicine in all 50 states of the US, Including surgery and specialties.

What separates a DO from an MD?

What really separates the Doctor of Osteopathic Medicine apart from an MD is the use of hands-on manipulative medicine and the view that the body is a single unit, rather than organ systems that work independently of each other. The DO looks at the body and the health of a person in a more holistic way than an MD

A DO uses his or her hands for diagnosing maladies and for curing them. OMT, or Osteopathic Manipulative Therapy, has been used to treat lots of disease successfully for over 100 years. It has been proven in studies to help tremendously with low back pain, neck pain, and other musculoskeletal problems.

One of the biggest differences between a DO and an MD is their view of the human body and physiology. A DO believe that structure and function are interrelated, and if one is not working then the other can not work at full capacity. This is the idea behind OMT; To straighten out the anatomy so the body's natural healing properties can work at optimal rates.

A DO also views the body as a system of connected organs, including mind, body, and spirit. They believe that a headache can be caused by neck problems which is caused by hip problems. A DO looks at the whole system when diagnosing a disease. This is a fundamental difference in views that is different than any other medical field.

How is a DO Different From a Chiropractor?

While a DO can, and does, use his or her hands to straighten out the anatomy of the body, they are nothing like a chiropractor. A chiropractor believes that the spinal and nerves are all that needs to be adjusted to be fully health. They also believe that it is a life-long problem, so you have to keep coming back to see them for adjustments.

A DO knows how to adjust the spell like a chiropractor, but they do not believe that all problems arise from the spine being out of place. They also manipulate the muscles, the joints, hands and feet, and makes sure that the anatomy of the whole body is functioning at full capacity. A DO can usually …

Medicaid – Should We Just Go Ahead and Sell the House?

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“My mother, who is a widow, has no savings but owns a home, valued at $200,000, and just entered a nursing home. The cost is $6,000 a month! The only way she can afford that is if we sell her house…If we don’t sell her house, the state will take it anyway when she dies, right? So what difference does it make?”

My client was in a panic, and while selling the home seemed like the only solution, I suggested the following alternative: Don’t sell the house, but instead apply for Medicaid immediately. If mom’s only asset is her home, she will definitely qualify (assuming her income isn’t unusually high).

“But if the state will take her home after her death, why not just sell it now?” my client persisted.

First of all, the state doesn’t “take” a person’s home, either during their lifetime or following their death. What happens, as a general rule, is that following the Medicaid recipient’s death, the state will make a claim against the estate of the deceased recipient, for the total amount of Medicaid benefits paid out for their care, during their lifetime. (Note that a couple of states still do not seek reimbursement following a recipient’s death, even though federal law requires it.)

Thus, if mom only lives for one year after being in the nursing home, and the Medicaid “bill” for her stay in the nursing home for that one year is, say, $50,000, then the family has a choice: keep the house and come up with the $50,000 themselves, or sell the house, pay the state the $50,000, and then divide up the balance of the sale proceeds among the family members, as provided by mom’s will.

What if mom lives for many years in the nursing home, so that the bill from Medicaid exceeds the value of the house? In that case, the state is stuck—the most it can get is the net sales proceeds from the sale of the house. It can’t go after the children for the balance.

Another reason not to sell the house: If mom applies for Medicaid now, and qualifies, the nursing home will be paid the state “Medicaid reimbursement” rate, which is always a good bit lower than the private pay rate. The actual amount the nursing home must accept varies from nursing home to nursing home, so there is no general guideline. However, assume the Medicaid rate is only $4,500/month, instead of $6,000/month. If mom dies after one year, the family may indeed have to sell the house to raise the money to reimburse the state, but it will only owe 12 x $4,500 ($54,000) vs. what it would have paid had it sold the house and paid the nursing home privately, i.e., 12 x $6,000 ($72,000). Thus, the family saved $18,000 by NOT selling the house! And that savings would increase for every additional month mom lives.

So the longer mom lives in the nursing home, the more the family …

Fermented Red Korean Ginseng: A Natural Remedy for Almost Everything that Ails You

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Fermented Red Korean Ginseng: A Natural Remedy for Almost Everything that Ails You

Red Korean Ginseng has been an important herbal remedy in traditional Chinese medicine for thousands of years, where it has generally been used to treat weakness and fatigue.  Its powerful effects have also attracted the interest of modern scientists, making it the most highly researched type of ginseng.  Research shows that Red Korean Ginseng helps with a wide variety of problems, including improving sexual arousal, performance and satisfaction; strengthening the immune system, reducing viral and bacterial infections; effectively relieving fatigue and other issues associated with menopause; relieving stress; balancing hormone levels; and even preventing some types of cancer.

Red Korean Ginseng delivers an all-natural solution to any dysfunction, helping men to get sexually aroused.  In one scientific study with men with ere-le dysfunction, taking Red Korean Ginseng improved their er-le function, sexual desire and intercourse satisfaction.

But Red Korean Ginseng is not just for men.  It is also recommended for post-menopausal women who suffer from fatigue, depression, and/or insomnia caused by hormonal imbalances.  Taking Red Korean Ginseng has been shown to increase blood flow, which among other things, reduces blood pressure and increases energy.

Numerous other studies have shown that Red Korean Ginseng stimulates the immune system to protect the body from the flu and other viruses.  A study of healthy people showed that taking Red Korean Ginseng daily can improve how well the flu vaccine works and reduces a person’s risk of catching a cold.

Red Korean Ginseng also has anti-cancer effects.  In a scientific study with people over the age of 40, the risk of cancer was shown to be lower in those who take ginseng.

All of these powerful effects come from chemicals called ginsenosides found in the Red Korean Ginseng.  Ginsenosides, however, are absorbed only after being broken down by microorganisms residing in the intestine.  Absorption of ginsenosides can be greatly enhanced by taking fermented ginseng instead of regular ginseng.  Fermenting ginseng concentrates the ginsenoside compounds and makes the ginsenosides more easily absorbed from the intestines thus maximizing the benefits of ginseng.  Fermenting ginseng actually increases its potency.  Our patented methods for fermenting and activating ginsenoside results in a product that is an industry benchmark. 

Fermented Ginseng posses all of the properties that are found in Red Korean Ginseng, but it even has more benefits.  Many active ingredients that are present in plants are linked to sugars as like polymers resulting in big size and inefficient absorption into our bodies.  During fermentation, bifidobacterium breakdown these sugars and their energy source which results in smaller size, easier absorption, higher biological effects, and becomes less toxic.  The process of fermentation increases absorption, reduces toxins, and also increases antioxidants and anti-aging properties. 

Bifidobacterium is used in Fermented Ginseng due to its many benefits.  This includes prevention of diarrhea and constipation, reduction of serum cholesterol, improvement of lactose intolerance, digestion, anti –tumor properties, tamin synthesis of B2, B6 and B12, and the suppression of pathogens. 

Fermented Red Korean …

Prostate Cancer and Treatments – Macrobiotic Diet

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Prostate cancer is the most common type of cancer among men. Prostate cancer is especially frequent in men over fifty. The malignant neoplasms of the prostate are very slow growing, so that is why men over fifty are the most at risk. Factors like diet and genetics have been implicated in the development of prostate cancer. It is very important to create an environment where cancer can´t grow and expand. So the diet is very important in preventing and also curing cancer.

Macrobiotic Diets have been very successful in curing various types of cancer like prostate cancer. Macrobiotics is based on the writings of Sagen Ishizuka (1850-1910) a Japanese physician, who cured himself of cancer. He accomplished that by reverting back to the unpurified Japanese diet, abandoning the refined diet of affluent Japan. His diet consisted of soybeans, brown rice, miso soup, fish, sea vegetables etc.

The macrobiotic diet is basically a vegetarian diet that consists of 50% whole cereal grains, about 30% of white meat, fish, locally grown vegetables and some amounts of sweet potatoes, potatoes, eggplants, tomatoes, spinach, pepper, asparagus, zucchini, mayonnaise, avocados, coffee, tea and no read meat.

This diet helps because it is low in fat (processed), high in vegetables, high in fiber, it has the ability to change an acid environment into alkaline, there is improved sodium to potassium ratio, sea vegetables contain thyroid stimulating substances, anti-cancer agents found in soybeans, sea vegetables and other fresh foods etc.

Anthony J. Sattilaro an anaesthesiologist at Methodist Hospital in Philadelphia said this diet as the reason he recovered from metastatic prostrate cancer. In 1978 Michio Kushi established a macrobiotic center in Boston and he has encouraged cancer patients to continue with conventional care. Kushi also stated that cancer occurs mostly due to improper diet and personal behaviour, but also because of the lifestyle and the wrong way of thinking. The main goal of this diet is to detoxifie the body from toxic conditions and therefore make an environment that is unsuitable for the cancer.…

Lifetime Fitness – How to Get Off the Fat Farm and Get Back in the Game

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Are you physically fit? Did you just wake up one day, look in the mirror and discover that you had become soft and chubby? Let’s take this a little further. Are you a fatty? Hey, the truth hurts!

This is one of the biggest problems in America today. A person lets themselves go physically, gets fat and then gets there feelings hurt when someone tells them that they’re fat. Of course it’s going to hurt their feelings! But the truth of the matter is that no one is “pleasantly plump” so the only way for a person to be confronted is to be honest about it if they’re overweight. Yes, you may get some tears rolling, but you also may be saving this person’s life because nobody else may have the guts to be honest. Just make sure you’re not being a jerk and break the news gently, but firmly.

The first step an overweight person needs to take is to see a doctor for a complete check-up. This will give them a good idea of how much weight they need to lose, diet plans and fitness programs that they should look into. If a person is morbidly obese then running 5 miles out of the gate is not going to be an option.

Each and every health and fitness plan will be comprised of a variety of concerns and benefits. The concerns draw mainly upon the warning of balancing your diet and exercise properly, without overdoing it. The benefits, as long as the fitness program is maintained in a healthy way, will involve controlling your weight, improving the performance of all of your bodily organs, increasing strength and endurance, strengthening your respiratory system, boosting your immune system, and improving your general mental and emotional well-being.

Once you begin a physical fitness program, try your hardest to stick to it. Remember, the more physically fit you are the more you will get out of life. Who wants to be out of shape and miss some of the best times with family and friends? Sticking to an exercise plan can be a very trying task, but as long as you have the proper motivation, support, and goals, you will be glad that you did. Achieving a lifetime fitness goal is one of the best things that you will ever do for yourself.…

Kids Health – 4 Effective Ways to Improve Diet

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Nutrition is one of the most important aspects of the development of a child. In fact it is the main determinant of kids' health and development. So, you have to give your best in order to provide your youngster with the healthy diet they deserve. Here are some methods for improving the nutritional plan of your child – they have been tested and proven to work.

Cook beans more often and in different ways. They are rich in proteins, which are the building blocks of the cells in the body. Moreover, they are rich in antioxidants and can aid for the improved functioning of the immune system. Most importantly, children really love to have beans as part of their meal.

Avoid serving fried foods as best as you can. It is true that these are delicious, but they are very unhealthy. The good news is that kids enjoy other dishes too – the pasta, for example, is nutritional and tasty. You might be surprised how delicious the stews and casseroles can be for the youngsters especially when they are made with a lot of herbs.

Always give fruit for dessert in the evening to improve health of your kids. The sweets can really make your child active and prevent him / her from sleeping normally. So, you can quickly make a nice salad with different types of fruit – mix together pieces of kiwi, apple, tangerine and pineapple. You can always add a small amount of unsweetened whipped cream.

Make the healthy dishes as tempting as possible. One trick to use is to make the proportions as colorful as possible. Serving a small lean steak with a mix of differently colored vegetables is a great idea.

The heath of your kids comes first – you can easily use all these tips, and remember it is essential for you to teach your child how to have a balanced diet in his / her early years. …