Finding Health Insurance If You’re Self-Employed

November 14th, 2011  |  Published in Sexual Health

The concept of looking for your individual health care will probably be rather overwhelming–perhaps that’s why the majority of persons without health care insurance in the USA are individuals who are self-employed. However, living with no health care insurance insn’t worth the hazard–in fact, more than sixty percent of bankruptcies in America are the end result of physicians bills. Nonetheless, there are actually a number of options for folks looking for health care for people that run their own business.

If you are switching from customary employment to self-employment, the best choice is to make use of the Federal Consolidated Omnibus Budget Reconciliation Act (COBRA). This act requires all employers with twenty or more workers to make the company’s group care choice obtainable to all employees at the employee’s cost if they depart the job. As group policies are frequently much less than individual rates, via the COBRA will offer considerable short term savings, and can be used up to eighteen months subsequent to you ditch the job.

In addition, a number of health care insurance companies feature health coverage for the self-employed. It’s usually much more complicated to obtain health health care insurance health care insurance if You’re self-employed, particularly if you declare pre-existing health conditions, but it’s not exactly hopeless. When you start to look for individual health care insurance, you should really shop about. You might want to talk to many different health care coverage companies about the kinds of health insurance they offer for the self-employed, and read all the conditions very carefully–in a group health health care insurance plan the risk is shared, while in heath insurance for the self-employed, the risk falls all on one person. This being said, there are most of health health care insurance policies out there for self-employed persons; some states even offer health coverage for the self-employed. When evaluating these policies, you should make for certain that they are a decent fit for you–for instance, various health care policies will be personalized to cut out some benefits that you may not need, like maternity coverage, if you’re a man.

While it’s tough to get health coverage if you’re self-employed and have a pre-existing health condition, it’s not impossible. A few states offer what is called “guaranteed issue” health care insurance, which means that companies in that state has to offer people the option to buy insurance despite of pre-existing conditions. However, only a few states offer guaranteed issue coverage, and such insurance policies sometimes come with additional limitations. However, there is a little pleasant news for persons with individual health coverage–those who are self-employed can subtract their health health care insurance premiums from their federal payable earnings, because they are considered a business expense.

Among the number of options existing, it is easy to get beset, but there are a few good places to start. For more information, you should drop a line to your state coverage department, which will offer regional information. Still, the quickest and easiest method to find extra information regarding health coverage for the self-employed is to utilize the net. Various sites may offer free personalized quotes, furthermore you can clearly evaluate companies to check which selection works best for you.

If you wanna buy cheap low cost individual health insurance then grab a few free health insurance quotes from us.

Article Source:http://www.articlesbase.com/health-articles/finding-health-insurance-if-youre-selfemployed-1312876.html

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Arthritis, diet, circulation and traditional Chinese medicine

June 22nd, 2010  |  Published in Sexual Health

The following is an excerpt from Hot and Cold Health by R. G. Heft (Acupuncture Physician FL 1992- 2002) based on traditional Chinese and Ayurvedic medicines and the questioning and counseling of 10,000+ Traditional Chinese medicine (TCM) is based on the theory, observation that everything is an ongoing balance of opposites, many of which we control through diet, exercise, sex, thought, etc.

 

Know the whole before attempting to diagnose and or treat the part, as you cannot cure the part ithout curing the whole. The whole is equal to and greater than the sum of its parts.  If you cannot afford or do not want to risk your money ($20 or less), then I will send, email you the E Book (Adobe file, 1,005 KB) for free.  Your health is  more important than my bank account. Email me (rgheft@netzero.com) your request or questions.  Peace.

 

All disease is defined by its collection of symptoms. All symptoms are defined, produced by biological functions. All biological functions are produced by biological structures (organs, bones, muscles, nerves, etc.), which in turn, are produced, maintained and cleansed by blood, nutrients.  The body, digests, transforms food, nutrients into blood into structure into function, into health or disease.

 

Arthritis is a generic term for inflammation of the joint that tends to cause pain, swelling, pain, redness, etc. A joint is where two or more bones join. The joint, space between the movable bones is composed of fluid sacs, in addition to cartilage (gelatinous substance that caps the end of the bones). Both act as shock absorbers.  Ligaments hold bones together.  Tendons attach muscles to ligaments. Muscles contract and expand according to their nerves, electrical supply, stimulation, which in turn pulls and relaxes the tendons, ligaments, moving the bones.

 

Blood, nutrients build, fuel and cleanse the muscles, tendons, ligaments, bones. Poor nutrition, diet and or poor circulation tend to reduce, thin the blood, which in turn, thins, dries, weakens, pains and or inflames the joints. Poor posture, misalignment and or injury can also adversely affect the joints, i.e. cause arthritic symptoms.

 

There are three types of arthritis: rheumatoid (autoimmune), gout (uric acid) and osteo (bone on bone), Rheumatoid Arthritis is more common in women (middle aged), although it does attack men. The difference is cause. Women tend to suffer from blood, protein and fat deficiency via diet and menstruation.

 

Many women tend to eat anemic diets: low protein, low fat (milk, yogurt, soft cheeses, beans, nuts and seeds) and high carbohydrate (pasta, bread, salads, tropical fruits, juices, etc.). Women menstruate monthly 30+ years from the first period, menarche (teen, preteen) to the last (menopause).  This combination tends to thin and weaken the blood, which in turn, thins, weakens, dries, inflames and pains everything else, especially the extremities: arms, legs, hands, feet, bones, muscles, tendons, etc

 

Men tend to suffer the opposite: too much, stagnant blood via high protein, high fat diets, high cholesterol, atherosclerosis, congested liver, etc. restricting, reducing blood flow, which in turn, inflames, dries, thins and pains the joints: bones, ligaments, tendons, muscles, nerves, etc. especially in the extremities: arms and legs.

 

All blood passes in and out the liver. The liver stores, cleanses (filters excess protein, fat, cholesterol, impurities, etc.) and releases the blood. High protein and high fat (especially animal) diets in excess tend to thicken the blood, which in turn, thickens, clogs and swells the liver reducing not only liver, cleansing function but also distribution, circulation of blood. Less cholesterol, fat is removed form the blood, more stays in the bloodstream, arteries, veins, heart, liver, brain, etc. Less blood is circulated as more (blood) passes into the liver (clogged, swollen) than out reducing the overall amount circulated to the rest of the body, especially to the extremities: head, arms and legs, which contain no vital organs.

 

The vital organs (heart, liver, lungs, etc.) located in the center of the body (abdomen and chest) command the blood. In times of drought, and or the common cold, less blood is circulated to the extremities (includes the head).

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Inappropriate diet (overbuilt or under built) is a major cause of rheumatoid arthritis. It is also tends to cause gout, excess uric acid that accumulates in the blood and joints. Uric acid is a by-product of protein (especially animal) digestion. High protein, high fat diets, in the extreme, tend to cause too much uric acid in the blood and joints. Gout is more prevalent in western countries and or those eating high protein, high fat diets. It tends to attack men (high protein, high fat) more than women.

 

Osteoarthritis cannot be improved through diet or herbs. You cannot grow cartilage (separates and cushions the bones) where there is none. You can grow cartilage where there is some. Glucosamine sulfate ((1500 mg/ day) and other supplements (bovine cartilage) have been shown to grow cartilage. Solgar, Solaray, Enzymatic Therapy, Twin Lab and Natures Plus are high quality companies that research, manufacture and distribute. I owned and operated a small health food store, Food and Thought, Hollywood, Fl (1984-2001). I sold a lot of Glucosamine Sulfate and never heard a complaint, just praise. Check with your doctor before making any changes.

 

Dietary cures for arthritis via blood deficiency and or stagnation are relatively simple. Blood deficiency (via low protein, low fat and high carbohydrate diets) requires the hotter middle diet, meal plan (more protein and fat: red meat, chicken, turkey, etc, cooked foods, soups, vegetables and spices. Spices (cardamom, cumin, coriander, fennel, ginger, cayenne, etc.) are hot in nature. They increase digestion, improve circulation, etc.

Weak digestion transforms and transports less food, nutrients into blood.  Too many cold and damp foods, drinks (milk, yogurt, salads, fruit, juices, cold drinks, etc.), in excess and or at the beginning of a meal, tend to dilute and weaken digestion (acid, enzymes, etc.) reducing nutrient absorption, blood, circulation, etc. while increasing waste product, abdominal bloating, gas, loose stools.

 

Blood stagnation (clogged arteries, veins, liver, etc.) is also curable, depending on severity.  It is a disease of excess: too much protein and fat. The colder middle diet, meal plan is recommended. Reduce animal protein and fat, no more than one animal food per day and never at night. A little chicken or turkey is permissible. Eat more vegetables (cabbage) fruit (apples), drink peppermint tea, etc. Avoid alcohol. Bitter herbs (golden seal, gentian, etc.) may also help. Eat less, skip, space the meals (gives the body extra time, energy to digest excess) and do not eat late. Avoid nightshades (tomatoes, potatoes, eggplant) which tend to aggravate, worsen arthritic conditions.

 

Hot salves (containing spices, camphor, capsicum/ cayenne pepper, etc.) used externally for reducing pain are also effective. Heat not only dries and warms but also moves. Spices, cooked foods move and warm the blood, and reduce pain via increased circulation, blood. They also help to thin the blood. Cumin, coriander and fennel are mild spices.  

 

Medication, blood thinners can also cause arthritic symptoms. Blood thinners not only thin the blood of excess protein and fat (includes cholesterol), but also thin the bones, skin, hair, etc. which are all fed, thickened by the same blood, protein and fat. When you thin the blood, decrease protein and fat, you thin everything else.

 

 

Hot and Cold Health

TABLE OF CONTENTS

SECTION I PHILOSOPHY AND DIET

Chapter 1 The Way of Thinking Chapter 2 The Way of Food Chapter 3 Digestion, Spices and Chinese Herbs Chapter 4 Cooking Class

SECTION II BIOLOGY, EAST AND WEST

Chapter 5 Three Treasures Chapter 6 Blood and Body Fluids Chapter 7 Spleen Chapter 8 Stomach Small Intestine Chapter 9 Large Intestine and Urinary Bladder Chapter 10 Heart Chapter 11 Liver & Gall Bladder Chapter 12 Lungs Chapter 13 Kidneys Chapter 14 Disease and Diagnosis

SECTION III DISEASES A- Z

Chap 15 A Diseases AIDS 141 Alzheimer s 143 Anal fissure 143 Anemia 144 Anger 145 Aging 146 Anxiety 147 Arthritis 148 Asthma 152 ADD 154 Auto-immune 154 Chap 16 B Diseases Blood 157 Blood Pressure 158 Body Odor 159 Bones 161 Breast lumps 162 Bronchitis 164 Chap 17  C Diseases Candidiasis 167 Canker Sores 169 Cellulite 171 Cholesterol 173 Chronic Fatigue 175 Circulation 176 Cirrhosis 178 Cold hands, feet 178 Cold (lungs) Constipation 180 Coughing 182 Crohn s 182 Chap 18 D Diseases Depression 185 Detoxification 188 Diabetes 191 Diarrhea 193 Diuretics 195 Dizziness 195 Dysmenorrhea 196 Chap 19 E-F Diseases Ear Infections 197 Eczema 197 Edema 200 Endometriosis 202 Eyes 202 Fear 204 Fever 204 Fibrocystic Breasts 204 Fibroids 205 Fibromyalgia 205 Forgetfulness 207 Frigidity 208 Chap 20 G-H Diseases Gall Stones 209 GERD, GIRD 210 Gout 212 Hair Loss 213 Hearing Loss 215 Hepatitis 218 Herpes 220 Hot Flashes 220 Hysteria 221 Chap 21 I-J Diseases Infertility 223 Inflammation 223 Insomnia 224 Irritable Bowel 226 Itching 227 Jaundice 227 Chap 22 K-O Diseases Kidney Stones 229 Miscarriage 230 Mucous 231 M. Sclerosis 231 Nails 233 Nausea 235 Numbness 236 Obesity 237 Osteoporosis 238 Chap 23 P-R Diseases Pediatric 241 Perspiration 244 Plantar F. 244 Pregnancy 248 PMS 250 Prostate 251 Psoriasis 252 Rashes 252 Restless Leg 252 Chap 24 S-Z Diseases Sex 255 Shaking, tremors 257 Sinusitis 258 Skin Diseases 259 Sleep Apnea 261 Snoring 262 Sweaty hands 263 Teeth 264 Tumors 266 Urinary T. I. 267 Varicose Veins 269 Weight loss 270 Yeast infection 274 Chap 25 Case Histories 275

SECTION IV DAILY PRACTICES

 Chapter 26 The Way of Breathing, Chap 27 Exercise, Chap 28 Meditation 303, Chap 29 Spiritual Practices (belief in God)  307 Appendix 313 Bibliography 315 About the Author 317

Author: Hot and Cold Health; Acupuncture Physician (FL 1992-2002; owner, operator Food and Thought, health food store, Hollywood, FL (1984-2001); questioned and counseled 30,000+; There is no disease that I cannot figure out, cause, effect and cure, treatment.” Email me.

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The Benefits of Outsourcing Drug Development to Third Party Pharmaceutical Companies

November 6th, 2009  |  Published in Sexual Health

A large number of pharmaceutical and biotechnology companies are now outsourcing their drug development requirements to independent pharmaceutical development companies. The reason behind this lies in the fact that the development of synthetic medication entails a highly specialized, not to mention costly, process. Companies can save a lot of money, and ensure the quality of their products by passing their technical product formulation processes to expert and experienced pharmaceutical companies.

Independent pharmaceutical product development firms are more likely to have an established technical grasp of the field of drug formulation and development. They will also have adequate experimentation and production tools and facilitates as the employ a team of highly competent and experienced scientists and professional pharmacists. While some drug development companies assist their partner firms only in the actual production of the pharmaceutical product, there are companies that provide comprehensive services, taking over product development right from the earliest stage of chemical discovery and experimentation and up to the evaluation of the effects of the finished product.

Pharmaceutical and biotechnology companies can greatly benefit from employing the services of an independent pharmaceutical development company. By outsourcing their technical processes to these professional firms, the companies can focus more on the entrepreneurial and marketing side of their business.

Since they would not need to spend too much on advanced drug development equipment and laboratories, the company can allocate its budget toward more pressing issues. The company will also be able to keep up with the fast paced pharmaceutical and biotechnology industry with minimized difficulty.

Resource Box:

UPM Pharmaceuticals, Inc. is an independent drug development company based in Baltimore that provides professional services to the medical and biotechnology industries. With its team of leading scientists and experienced professionals, the company develops effective pharmaceutical solutions through expert formulation development, analytical methods and stability testing. For more information about the company and its products and services, visit http://www.upm-inc.com or call 410-843-3700.

Jeff Paul is a writer and copy editor who likes to share information on many different topics.

Article Source:http://www.articlesbase.com/health-articles/the-benefits-of-outsourcing-drug-development-to-third-party-pharmaceutical-companies-1428085.html

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