Start Planning For Your Loved Ones With This Information

Start Planning For Your Loved Ones With This Information

The advantage of the employer provided health plan is that it does not discriminate against those with pre-existing conditions. Provided those with such conditions have maintained health coverage in the years prior to the employer provided package, pre-existing conditions do not rule out people from family health insurance plans by employers. Individual family health policies are usually more discriminatory against those with conditions of that nature.

There are several types of individual family health insurance plans available. These include fee for service plans (which are the most common), Health Maintenance Organization (HMO), which are a type of prepaid plan, Preferred Provider Organization (PPO) and Point of Service (POS)
Essentially you have to weight up all the options when it comes to looking for family health insurance plans.

Affordable Family Health Insurance

Affordable Family Health Insurance – Finding an Insurance Plan That Won’t Break the Bank

Millions of people go without health insurance because the cost is just too expensive. Everyone should be covered but how do you go about finding an Affordable family health insurance plan?

If your employer offers medical benefits you will have your choice of whatever options they make available to you. If you do not have medical benefits through your employer you will need to locate a health insurance plan on your own.

Some plans will have more coverage options but will be more expensive and others will be less expensive but have fewer benefits and services. There are also plans that have smaller monthly premium payments but have a larger copayments and vice versa. If you or anyone in your family needs to visit the doctor regularly it would be a good idea to go with a plan that has smaller copayments. The monthly premiums will be larger but the smaller copayments will save you money if you are visiting the doctor frequently.

There is a lot to think about because there are so many variables to consider when you are searching for an affordable family health insurance plan. Finding quality coverage at an affordable price can be challenging but it can be a lot easier if you know where to look.

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Getting a Family Health Insurance Plan

Getting a Family Health Insurance Plan

If you are starting a family, or are switching your coverage plan, you need to shop around for your family health insurance plan. All parents worry constantly about the safety of their kids. One of the best way to make sure that every member of your family is safe, is by getting a family health insurance plan.

Many companies will offer their employees plans that can cover their entire family. If your companies plan falls short, you might have to go to other sources to get coverage for your spouse and kids.

When you are buying your plan you need to make sure that you are buying from a reputable company. Check there insurance rating to make sure that they have financial security. Hundreds of insurance companies exist and some are more financially sound then others. To find a quality insurer you can deal with an agent. Comparing companies will allow you to find the best option for your family.

Happy 114th Birthday, Walter Breuning! Montana man is the oldest in the world

Walter Breuning is 114 years old today – the oldest man in the world.

On this day, as he did last year when he also held the title, he is preparing a speech that he will deliver to friends, fans and residents of the Rainbow Retirement Community in downtown Great Falls, Mont., reports the Great Falls Tribune.

State Gov. Brian Schweitzer is set to attend the speech as well as the following cake and festivities, along with representatives from the Guinness Book of World Records, public television, and Masonic, Shrine and Scottish Rite groups.

While he is certainly a local celebrity, his fellow neighbors also hold a sincere admiration for him – for more than just living to an advanced age. Residents mention his dignified air, his preference for pinstriped suits and his modesty, considering his world fame.

Resident Ray Stingley, 87, told the Tribune that he admired the fact Breuning never used a cane or walker to help him move around until the last few years.

"I think he's a great man, to be honest with you," Stingley said.

Margie Arganbright, 80, said she thought having him live at the Rainbow was "wonderful".

"He's such a gentleman," Arganbright said.

Breuning was born in 1896, in the Minnesota town of Melrose but moved to Great Falls in 1918 to work for the Great Northern Railway, according to the Tribune.

He married a girl from Butte named Agnes, who died in 1957. The couple had no children.

His parents died young at 50 and 46 but his paternal grandparents lived into their 90s. One of his own siblings lived to be 100.

He told the Tribune that his greatest regret was being too old to serve his country. When World War I broke out, he was already in his 40s.

He may be an extremely old man but to many of his elderly friends and neighbors, he’s just a man.

"I didn't know he was a celebrity; he's just lived a long time," Ray Milversted, 92, told The Herald.

nydailynews.com

Buzz killer: Could caffeine overload cause temporary insanity?

Could consuming too much caffeine make someone crazy enough to commit murder?

Lawyers for Woody Will Smith, whose murder trial in Newport, Ky., starts today, plan to argue that the 33-year-old defendant had ingested excessive caffeine before he allegedly strangled his wife and so was temporarily insane, according to The Associated Press.

Shannon Sexton, the defense attorney, plans to state that Smith was not even able to form the intent of committing a murder, although prosecutor Michelle Snodgrass will say that Smith tested negative for substances containing amphetamines after the killing.

Smith is charged with killing his wife, 28-year-old Amanda Hornsby-Smith, in May 2009, by strangling her with an extension cord.

He could receive a sentence of life in prison if convicted. Smith told a psychologist hired by the defendant that he recalls taking his kids to school, but little else, about the morning of the murder.

In the previous weeks, he told psychologist Dr. Robert Noelker, he had not been sleeping, partly because he was afraid his wife would leave him and take their two children.

During this period, according to reports and case records, the defendant was consuming five or six energy drinks and soft drinks daily, along with diet pills.

In all, he was taking more than 400 milligrams of caffeine each day. An overdose of caffeine is defined as more than 300 milligrams (about three cups of coffee), according to the American Psychiatric Association’s Diagnostic and Statistical Manual of Mental Disorders.

Smith could have had a "brief psychosis" due to sleep deprivation caused by heavy caffeine ingestion, according to Noelker. It is my opinion that this disorder was the direct result of psychosis due to severe insomnia," said a report filed by Noelker for the defendant.

The unusual strategy is not unlike one involving Daniel Noble, a University of Idaho Foundation budget analyst, who woke up last December after many nights of working long hours and drove to a Starbucks to down two large coffees. He was accused of mowing down and injuring two pedestrians with his car.

His attorney, Mark Moorer, got the charges dismissed.

Noble had a rare form of bipolar disorder brought on by excessive caffeine consumption, according to medical records. Charges were dismissed when the judge concluded that Noble could not form the mental intent necessary to even commit a crime.

"We referred to it as a temporary insanity defense," Moorer told The AP. "If you sat down and talked with him now, you’d think he’s as normal as you and I."
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British mum tweets 13-hour labor from birthing pool -- while undergoing natural childbirth

Fi StarStone, a British woman who runs a child-care advice website, posted constant updates after going into labor last Friday, according to the Daily Mail.

Her decision to tweet about her labor was to "dispel some of the myths of childbirth," she told The Daily Mail.

After posting nine updates that were followed by hundreds of people online, she gave birth Friday afternoon to a baby boy in a birthing pool at home. Oscar John Michael Victor Stone, weighing 7 pounds and 9 ounces, was born following a labor during which his mom used no pain relief.

When she went into labor, she posted, "Here we go lovelies! Contractions started at 2:30am! Baby decided he wants to come to his sister’s 1st birthday party on Saturday!"

Her final tweet before the birth was, Still going my lovelies. Still no pain relief."

And just 20 minutes after the birth of her son, the mom posted another update: "Introducing Oscar John Michael Victor Stone. Thanks so much for all your support. I’m shattered and sore but the happiest mummy on the planet."

Her husband, Richard, said his wife had decided to send updates during labor because so many mothers follow her through her website, Childcare is Fun.

And the proud mom of two told The Daily Mail, "I did it this way to show them the positive side of childbirth and to show it could be done without pain relief and while tweeting the whole time."

No word yet on when Oscar will be getting his very own Twitter account.

nydailynews.com