EOF 2005 » Health http://eof2005.org End Of Finance Crisis Thu, 29 Jul 2010 03:35:58 +0000 en hourly 1 http://wordpress.org/?v=3.0 Enlarge Your Penis http://eof2005.org/2009/07/enlarge-your-penis/ http://eof2005.org/2009/07/enlarge-your-penis/#comments Wed, 01 Jul 2009 05:43:00 +0000 ndre http://eof2005.org/?p=275 How to enlarge penis? This question may be in your mind right now. Is it possible to enlarge penis? Good question, and the answer is YES. You can enlarge your penis with Penis Enlargement Device, a unique product which can help you to extend your penis without any risks. This penis extender is a technology created by professional developers and it has been certified by medical department in US.  This device is comfort and efficient to use. In order to get the best result as you want you can use it everyday or only when you will have a sex with your partner.
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]]> http://eof2005.org/2009/07/enlarge-your-penis/feed/ 0 What to do when COBRA runs out? http://eof2005.org/2009/06/what-to-do-when-cobra-runs-out/ http://eof2005.org/2009/06/what-to-do-when-cobra-runs-out/#comments Wed, 24 Jun 2009 12:53:45 +0000 ndre http://eof2005.org/?p=229 We’re into murky waters with questions about losing or switching employment. No-one wants to think about times of uncertainty, but if the economy continues its current problems, you have to plan round the jobs you have and can get. The Health Insurance Portability and Accountability Act of 1996 (HIPAA), which took effect in April, 2003, was designed to give you some protection for health insurance coverage when you are switching between jobs.

health_carecosts_090109_mn_resizeTo get HIPAA coverage, your most recent cover must have been through a health plan. In total, you must have had at least eighteen months of continuous coverage. There must be no entitlement under Medicaid or Medicare and you must have used up all your entitlement under COBRA. If you give notice under HIPAA within 63 days of losing your health plan coverage, you have the right to buy cover. The health insurers cannot refuse you a health policy based on your medical history or pre-existing condition, nor can they change you a higher premium to deter you. In fact, many states have laws to limit what health insurers can charge in this situation. Thus, you have a right to get health insurance for you and your family and the premiums may be controlled. This is something you should investigate. Here health insurance online quotes may be of great use for you.

There are also privacy provisions to help keep your personal medical history confidential while making it available to the “right” people to give you health insurance and handle claims for treatment. HIPAA sets out national standards for handling health data to reduce the risks that your data is lost or stolen. There are also penalties if your data is sent to an unauthorized person. In theory, this is supposed to make doctors, healthcare providers and hospitals more accountable if something goes wrong. As a first step, you have the right to a copy of your health records. Most data processors make a handling charge for preparing the copy, but it is usually small. You also have the right to know who has seen your data and you can lay down limits on access. It’s in your interests to take an active interest. You should maintain the accuracy of your records and ensure that only authorized individuals are allowed to access it in appropriate circumstances.

]]> http://eof2005.org/2009/06/what-to-do-when-cobra-runs-out/feed/ 0 Out of work! Could it happen to you? http://eof2005.org/2009/06/out-of-work-could-it-happen-to-you/ http://eof2005.org/2009/06/out-of-work-could-it-happen-to-you/#comments Mon, 22 Jun 2009 12:16:45 +0000 ndre http://eof2005.org/?p=226 Hey, I know you don’t want doom and gloom but one of us has to ask the hard questions. So, with the housing market in free fall and price inflation taking off, jobs are less secure. Now is the time to spend a few minutes thinking about what you would do if the unthinkable happened to you. The headline. If you’ve been wise with your money, you’ll probably survive. It’s a rerun of Aesop’s fable called The Ant and the Grasshopper. The grasshopper spends all summer singing whilst the ant toils to fill his home with food for the winter. When it gets cold, the grasshopper dies of hunger. This is a dramatic way of telling you it’s better to make save and preparations for the worst before the worst happens. If nothing happens, you’re actually better off all round.

Let’s start off with the most vital question. What’s going to happen to your group health plan? All this time, you’ve been sheltered from the hard world of personal health insurance. What are you entitled to receive? Leaving to one side the questions of your severance pay, unemployment compensation and whether your employer will pay for outplacement services to help you find your next job, look at health insurance coverage through COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985).

All employees, their spouses and dependents have a right to continue coverage under the basic group health plans (both medical and dental) for eighteen or thirty-six months. Wellness plans, life insurance, savings accounts and disability plans are excluded. So long as your employer had twenty or more employees, and terminates you without a justification of gross misconduct, the rights will probably apply. Your employer should have sent you and your spouse a notice about your rights. If your spouse and children are covered under the plan, they have separate rights to claim COBRA coverage.

You all have sixty days from the date coverage under the plan ends to elect for coverage under COBRA. You must make your first premium payment within forty-five days and thereafter at regular monthly intervals. You will lose coverage if you miss a payment. If there is a slight shortfall in the amount, i.e. $50 or 10% of the premium, your employer cannot terminate. This means it is always better to send some money rather than no money. If you are short, you get an additional thirty days to make up the payment. Use this breathing space to find new employment, secure in the knowledge that your health insurance needs are covered. That is, assuming you have laid the money by like Aesop’s ant.

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