Commonwealth Of Virginia Low Cost Health Insurance

Title:Commonwealth Of Virginia Low Cost Health InsuranceWord Count:307Summary:If you live in the Commonwealth of Virginia and are looking for low cost health insurance, youand/or your children may be eligible for coverage under one or more of the three FAMIS healthplans sponsored by the Commonwealth.The three FAMIS (Families Access to Medical Insurance Security) plans are as follows:FAMIS ?The Children's Health Insurance Program: This program for children covers servicessuch as:doctor visitsWell-baby checkupsHospital visitsVaccina...Keywords:Article Body:If you live in the Commonwealth of Virginia and are looking for low cost health insurance, you

and/or your children may be eligible for coverage under one or more of the three FAMIS healthplans sponsored by the Commonwealth.The three FAMIS (Families Access to Medical Insurance Security) plans are as follows:FAMIS ?The Children's Health Insurance Program: This program for children covers servicessuch as:doctor visitsWell-baby checkupsHospital visitsVaccinationsPrescription medicineTests and x raysDental careEmergency careVision careMental health careFAMIS ?Moms: This program provides health care for pregnant women up to two monthsafter the pregnancy.Smiles for Children: This program provides diagnostic, preventive, restorative/surgicalprocedures and orthodontics (Basically the same coverage as provided through Medicaid) Sincethis program is primarily for children, it provides limited necessary diagnostic/oral surgeryservices for adults (emergency only)The beauty of this program is that the co-payments are only $2.00 or $5.00. Regular check-upsare free and there are no monthly premiums or enrollment costs. With Smiles for Children,there are no co-payments or cost for dental services. However, you must use dental providersthat are within the network.To qualify for any of the FAMIS programs the applicant must be a US citizen under 19 (for theChildren's program), live in Virginia and not covered by another plan. You must not have hadinsurance for 4 months and are not eligible for Medicaid. There are also income requirements.For example, the gross income for a family of 4 must not exceed $40,000 annually. The FAMISwebsite (http://www.famis.org ) has a family income calculator in which potential insureds maycheck their income to see if they qualify.The Commonwealth of Virginia realizes that quality medical care is important, and hassuccessfully provided a low cost health insurance program for their low income residents.Title:How bacteria affect your health?Word Count:337

Summary:First of, is really a bacteria a good thing or vise-versa? So what do we need to know of thesebacteria?Keywords:Amoxicillin, bacteriaArticle Body:Under a microscope, bacteria are living things that have only one cell. They look like spirals orballs. They are so small. Some bacteria help to digest food, destroy disease-causing cells andgive the body needed vitamins. But there are infectious bacteria that can make you ill. Manygive off chemicals called toxins, which can damage tissue.搇Although, viral infection can cause infections, it is different from bacterial infections. Unlikebacteria, viruses are not iving?organisms. They require living hosts like people,animals?even plants in order to multiply. When a virus enters your body, it invades some ofyour cells and takes over the cell machinery. Viruses spread directly from person to person suchas the common cold and influenza.Bacteria are single-celled microorganisms that reproduce by dividing and can grow onnonliving surfaces. Once an infectious bacteria enters your body, they can make you sickbecause of the toxins that can damage specific cells they've invaded such bacterial infectionscan be contagious, such as tuberculosis.Bacterial infections are treated with antibacterial antibiotics such as AMOXICILLIN is apenicillin- type antibiotic. It works by stopping he growth of bacteria from growing andmultiplying by preventing the bacterial cells from forming the wall that surrounds them.The common used for this medicine is infections of the tonsils, throat, larynx, bronchitis,pneumonia, urinary tract, skin, middle ear, and gonorrhea. Amoxicillin oral can also treat:typhoid fever, bacteria anthrax, stomach or intestine infection caused by anthrax among others.This may not kill bacteria, but can stopped bacteria from multiplying. It prevents formingbacteria from forming the walls that surround them.The walls are necessary to protect bacteria from their environment and to keep the contents ofthe bacterial cell together. There are no adequate studies of this drug in pregnant women. Sideeffects include dizziness, diarrhea, heartburn, insomnia, itching, vomiting, abdominal pain,nausea etc....Amoxicillin comes as a capsule, chewable tablet, tablet, liquid and pediatric drops. It is usuallytaken every 12 hrs or every 8 hrs with or without food.Title:Tedious? Yes! Necessary? Yes! Things You Need To Ask About Your Health Insurance

Word Count:770Summary:For many Americans, simply finding an employer that offers health insurance is anaccomplishment. As health care costs spiral, many employers have eliminated thisonce-standard benefit so many people are seeking out insurance on their own. Those luckyenough to be offered insurance may simply sign on the dotted line, feeling that any insurance isbetter than none at all.This is not always the case.Before signing up for insurance, it is important to know what you are g...Keywords:Health Insurance, Short Term Health Insurance, Health Care Coverage, Insurance Plans,MedicalArticle Body:For many Americans, simply finding an employer that offers health insurance is anaccomplishment. As health care costs spiral, many employers have eliminated thisonce-standard benefit so many people are seeking out insurance on their own. Those luckyenough to be offered insurance may simply sign on the dotted line, feeling that any insurance isbetter than none at all.This is not always the case.Before signing up for insurance, it is important to know what you are getting into. All plans arenot right for all people. If you determine that the offered insurance will not meet your needs,you have a few different options. One is to speak with your employer. You may be able tonegotiate a different plan at a different cost to you. You can also look into private insurance抯plans that are offered directly to individuals, though these tend to be priced much higher.Additionally, if your spouse employer offers insurance, be sure to check into both policies.One may offer better coverage, or you may be able to combine your policies for maximumcoverage. Be careful not to duplicate coverage, however, or both insurances may refuse to pay.When investigating offered coverage, there are a few things that it is important to understand.What is the monthly premium, and will it be automatically deducted through payroll deduction,or will you need to make payment each month? What is your co-payment for doctor visits?What about for hospitalization? What is the annual deductible per person and per family?Be certain that you understand exclusions. Will you be a member of an HMO or PPO? Whatdoctors are in the network? Where is the nearest in-network hospital? What do you do if youneed medical care while traveling inside the United States? What if you are in a foreign country?Do you need a referral to see a specialist? What do you need to do prior to going into thehospital?Pre-existing conditions are often not covered. What constitutes a pre-existing condition?Additionally, certain medical procedures that are considered experimental may not be covered.

揺Be sure that you understand what makes a medical procedure xperimental.Be sure that you understand exactly what types of care are covered. Are maternity benefitsoffered? What about well-baby care? Are vision, dental, and prescription medication plansavailable? What about mental health and substance abuse treatment? Are you entitled to one ortwo yearly physicals? For women, are you able to choose a gynecologist as your primary carephysician?What are the rules governing changing life events? Marriage and the birth of a child are eventsthat will change your coverage needs. What will you need to do to add dependents to your plan?What will happen to your coverage if you retire? Are partner benefits available for those in along-term relationship?Be certain that you understand how your rates and benefits can be changed. Your employer maydecide to switch providers. How much advance notice will you be given in that situation? Theinsurance company may decide to raise rates. Are you protected against rate increases for acertain length of time? Can your rates be raised individually or your coverage dropped if youare diagnosed with certain illnesses?In many cases, employer-offered health insurance is the best solution. However, it is importantto investigate group insurance just as closely as you would a private solution. Your employerwill usually have a benefits office, with counselors who are specially trained to answer all ofyour questions. Read all documentation that you are given, and take the time to make aninformed decision. Investigate all of your options, and you will discover the insurance plan thatworks best for your family.Yes, there are a lot of little details so force yourself to take a deep breathe and slow down andfocus on each item until you understand it and the options you have. Try to avoid getting a 'Ijust want to get this over with' type of attitude. This is important and you could save yourself alot of stress and grief in the future should anything ever happen by taking time now.抰Don be afraid to ask any questions you have. Your insurance agent is supposed to beworking for you. He or she is not doing you a favor, your doing them a favor by giving them achance to convince you to do business with them抰Remember that you are the client. Don be rude, but do not be intimidated. It is your right toask questions. Please do so.