Does Your Family Need A Health Insurance Policy?
Sometimes, people feel that knowing all the nuances of health insurance can be rather complicated. Much of this confusion can be cleared up with the right information. The following will show you how easy health insurance is to understand and help you get started on the path to more affordable, quality coverage. Take this information and use it as an asset.
If you are a college student, check if your university offers a health insurance plan. University health insurance plans can be a great option if a student is no longer listed as a "dependent" under their parents' plan. Students who are still listed as "dependent" under their parents should check to make sure they are not automatically charged for a university health plan. Doing research into these plans can help you save money on health insurance.
One of the most basic tips about insurance is quite simple: never, ever put yourself in a situation where you have no insurance at all. Even if it means paying extra to your former employer to stay on COBRA, you never want to be without health insurance. Too many contingencies could come up that would very quickly put you in a precarious situation. The same is true for auto insurance: never drive uninsured. It's against the law in many states, so it isn't just a bad idea; in many places it is actually a crime.
Depending on the demographic makeup of your office, employer based insurance may not be the best for you. Insurance plans are built upon spreading out the risk. If you are the youngest person in an office, working with a group of people nearing retirement, you will pay more for your insurance to cover for them. Always check with outside insurance before choosing to go with your employers.
Look at your prescription coverage every year. Prescription coverage is subject to change in most insurance policies. You should double-check all terms so you don't get surprised after you've renewed your coverage. If a prescription medication that you need to take routinely is not covered by your insurance policy, it's time for you to find a new health insurance company.
Having pet health insurance is a good idea, even for pets who are kept indoors all the time. There always exists the possibility of your pet accidentally ingesting something poisonous or becoming injured indoors, or getting outside and getting hurt. Even while inside, you could notice a broken tooth or bone, and have to take your pet in to the vet.
Remember that health insurance representatives tend to record your conversations to use against you at a later time. Always be courteous and polite, but remind your self that they are not your friend or family member. Do not make chit-chat with them, or tell them anything about yourself that they have not asked.
Being aware of laws applicable to health insurers, is vital to protecting yourself and your coverage. Most of the time, an insurance company cannot cancel coverage or deny payment because of a clerical error on your part, including during the application process. Unfortunately, paperwork and red-tape are part of the health insurance process, but knowing your rights up front, enables you to plow through it with greater confidence.
Before you make the jump and purchase a health care plan you should find out what kind of plan will best read more suit you. There are 3 very different plans to choose from, which include, HMO, PPO and POS plans. You should research which one will work best for you before making a final decision.
With a good group health insurance plan in place, you will surely have happy and well-motivated employees. Even though purchasing group health insurance may seem like an extravagant expense, you will surely see excellent returns on your investment when you eliminate the problem of frequent employee turnover and employee dissatisfaction. Additionally, by taking care of your employees, you will be creating a work environment that you and everyone in your office will look forward to being a part of.
Hoag's Pickup Family Neurosciences Institute Selected to Participate in Study of Pioneering Surgical Epilepsy Treatment
For nearly 50 years, there were few options for patients who suffer from medication-resistant temporal lobe epilepsy. The most effective procedure was temporal lobectomy, a highly invasive surgery that involves removing a large section of the brain and can result in loss of vision, speech, memory and neurocognitive abilities.
The SLATE clinical trial will study the effectiveness of minimally invasive laser surgery using the Medtronic Visualase system. This approach uses an MRI-guided laser probe, approximately the width of a guitar string, to target and destroy the scar, tumor, or malformation that causes seizures. The procedure is revolutionizing the surgical treatment of epilepsy, previously a large and invasive surgery with numerous potential side effects, which may now be performed in a minimally invasive procedure requiring an overnight hospital stay.
"We are privileged to be on the forefront of offering minimally invasive, safer options for patients who wish to avoid large, open surgery," said Chief of Epilepsy Surgery and Hoag neurosurgeon Vik Mehta, M.D., who is the principal investigator of the trial. "In order to meet the needs of people with epilepsy, we need to modernize approaches that are more patient-friendly. This is one of the promising options to replace an invasive approach that had a lot of side effects, and we are excited by the data so far."
Hoag is the only site in the national study to employ Surgical Theater, which combines the use of virtual reality and augmented reality to "rehearse" surgery. This ensures the safest and most effective approach during the procedure.
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