Where can I find the best family health insurance coverage for the right price?

May 31st, 2010

I am working for a small landscaping company that does not offer insurance. I am married with two kids, both under 2 yrs of age, and my wife has a pre-existing condition of asthma. Can someone help me find a good insurance coverage for a reasonable price and also accepts pre-existing conditions? Any idea on an average cost?

It’s hard to make a specific recommendation without knowing more about your situation, especially where you live. Health insurance rates and options vary widely from state to state. In most states, your wife could possibly be turned down for coverage due to her asthma, so that may be a challenge. You might find an insurance company that will cover her, but it’s possible they will approve coverage for yourself and your kids while declining coverage for her, or at least for all asthma-related services.

The best thing you can do is talk with a licensed agent who represents multiple health insurance companies in your area and who can offer you some frank personal advice. It doesn’t cost you anything extra to work through an agent. You can also check out your options online through an agency like eHealthInsurance.com, where I work. You can get free quotes from leading companies in your area, compare plans side by side, and apply for coverage online. If you want to talk with one of our licensed agents, give us a call at 1-800-977-8860.

If you find a plan that meets your needs and budget but your wife gets turned down for coverage due to her health history, you may have some other state-sponsored options, depending on where you live. In that eventuality, take a look at coverageforall.org. They offer free personal assistance and a state-by-state list of the different public options that are available for people who can’t afford or don’t qualify for coverage on their own.

Good luck!

Amir M, licensed agent

How do doctors diagnose a urinary tract infection?

May 31st, 2010

I’ve researched that it’s a painful burning sensation. But for urinary tract infections, is the burning only when you pee, or does the burning occur constantly?

Also, at the doctors, how do they check for urinary tract infections? Do they actually check the vagina?

It is a burning feeling while you are urinating, and you feel like you need to go constantly. You simply go to the lab at your doctors office, give them a urine sample,{pee in a cup} and the technician will check it for bacteria. Depending on the type of bacteria, your doctor will prescribe an antibiotic for you. When I get one, which is often, I don’t even see my doctor, he just calls in my prescription. Don’t be scared and good luck.

i swear i am gonna be a womans health professional?

May 13th, 2010

because girlz are asking all sort of questionz abou their period, pregnency blah blah and guyz are asking how to get girl to like us or to date us and all that
what the world coming to??
veronica: we are serving women, lol lol lol

All the best. And are you gonna give up on what u are currently doing just to serve women…Congratulations

Can a gynecologist do a pregnancy test and prescribe contraceptive pill?

May 13th, 2010

I have missed my period for a consecative three months but have done home pregnancy test and were negative. Also i am on the contraceptive pill i have booked an appointment with a gynecologist but amnot sure if a gynecologist even does a pregnency test or can prescrible contraceptive pill.. Can someone help me an tell me if a gynecologist is the best to see about this or would a GP Doctor be better.

Gynecologists specialize in that kind of stuff. That is the ideal doctor to see for your birth control needs and reproductive questions.

Can anyone give me advice on how to get a family health insurance plan?

May 13th, 2010

My husband is starting his own business and we will need to purchase an insurance policy for our family. When I started calling around, I am an automatic denial because I have Multiple Sclerosis. Does anyone have any advice as to how to find a policy to cover us? Thank you

Don’t get a discount plan…PERIOD. It’s not insurance and having an Amway type company responsible for your health care is ridiculous.

Find a broker that does business in your state as MS is going to need to go through a high risk pool.

How do doctors enjoy sex at home if they examine people all day?

May 13th, 2010

This sounds bizzare but how to doctors get sexual pleasure from their wives if they are giving breast exams all day and vaginal exams and helping patients with sexual problems?

Do they become numb to all sexual feelings?

If you think that sex is all about simply touching boobs and crotches, then you have a LOT to learn about sex, sweetie.

The brain is the biggest sex organ that you have. It is all about the intentionality behind the touch.

And helping patients with sexual problems means talking, it doesn’t mean bumping uglies.

Male Role Models: Who You Need And Why You Need Them

May 11th, 2010

Whenever youre searching for advice and wisdom and your dad just wont do, you have to look for role models elsewhere. You need to define yourself as a man, and you need examples to lead the way. Being a real man means that there are certain traits you have to adopt and most of these are already latent in your personality. All you have to do is find the perfect role models to mold yourself after. Here are the best men, fictional and real, to help you take the steps you need in order to become A Real Man.

1) James Bond

Bond: That looks like a woman’s gun.
Largo: Do you know a lot about guns, Mr. Bond?
Bond: No, but I know a lot about women.

Have you ever seen this guy in a crisis? Does he run away and scream at the first sign of trouble? Never. He maintains a state of relaxed confidence. The way you react during a crisis definitely shows your character, and if you have any sense at all, youll prefer having James Bonds character instead of Richard Simmons. Of course, you may give yourself only five seconds of panic at the first sign of trouble. But after that, you have to take a calm and confident attitude or else your emotions will get the best of you, and youll end up making things worse.

When it comes to approaching women, James Bond doesnt stutter or say Uhm between silences. He knows exactly where he wants to take the conversation. If the lady shows disinterest in him (a rare case), he shrugs it off. He doesnt wallow or linger around like a loser. He walks away from it elegantly. It takes practice to follow his example when it comes to rejections, but its an attitude youll definitely have to develop if you want to allow yourself to take chances.

2) James Dean

Dream as if you’ll live forever. Live as if you’ll die today.

James Deans persona is the embodiment of the saying Live fast, die young. While it is not recommended that you die young, living fast sounds like good advice. Do something wrong once in a while. It doesnt have to be illegal, it just has to be wrong in one way or another. Smash your fist into a wall. Take up boxing or wrestling and join an amateur competition. Find a way for you to get that natural, exhilarating high. While women say the like stability, most of them are attracted to the wildish nature in men. This wildish nature is the part of a man that seek adventure, unpredictability, and excitement. Get in touch with that aspect of yourself once in a while. Not only will this make you open to new experiences, but it will also make you feel as if youve lived life to the fullest.

3) Donald Trump

“Think big, or go home.”

His hairstyle notwithstanding, Donald Trump is a man that all men with ambition should look up to. He takes his dreams seriously, and he doesnt tolerate laziness and mediocrity. He was also married to very beautiful women probably because they couldnt resist how strong and driven he is. It doesnt mean that you should make money and business a priority, the Donald Trump way is finding something that youre passionate about and pursuing it. It means finding a balance between listening to other peoples advice and following your own instincts. Having a sense of accomplishment is something that all men should aspire to, mostly because it makes you feel as if youre contributing something to the world. And lets face it other people, especially women, are drawn to men who have attained something worthwhile.

4) Those Guys from Queer Eye for a Straight Guy

It just goes to show: bad taste does not discriminate. Jai Rodriguez

No, you do not have to sleep with other guys. While it may seem odd that five gay guys are in a real mans role models list, wouldnt it be great if these five guys didnt have to work on straight men anymore? The concept is simple, really men should pay more attention to proper food, grooming, fashion, interior design, and culture. Get rid of the stereotype that heterosexual men are clueless about fashion. Leave the dirty rooms and baggy gangsta clothes to highschool boys. You dont have to nit-pick on every speck of dust in your home or every gram of fat in your food, you just need to pay a little more attention on how you present yourself as well as what you put inside your body. If youre finding the whole gay thing a little awkward, get a subscription of a mens health or mens fashion magazine to keep yourself updated.

5) Vito Corleone

Do you spend time with your family? Good. Because a man who doesn’t spend time with his family can never be a real man.

Women like an alpha male, and one of the important characteristics of an alpha male is that he takes care of his family. Being protective and caring of your family and friends shows your deep interest in people, as well as your dependability. Give your younger siblings advice, give your mom the nice coat shes always wanted, and dont be afraid to help out random strangers. You have to be a rock that people can lean on during times of crisis. The test of a true man is to show strength during hardship and this strength is based on reason, not anger and brute force. All real men should display leadership qualities, but they shouldnt confuse this with bossiness. True leaders know when to take charge and when to step aside make sure that you let your woman take control from time to time. The plus side of being a good family man is that when you see how strong youve become for other people, youll soon learn to trust your own strength and instincts.

Brian McDonald
http://www.articlesbase.com/self-help-articles/male-role-models-who-you-need-and-why-you-need-them-117977.html

Five Things Every Woman Should Know Before Signing Any Credit Application!

May 11th, 2010

While some surveys show that 9 out of 10 consumers are unaware what their credit score is, I’d like to quickly share with you how your credit score could be costing you a fortune… in more ways than you can imagine.

We all know a low credit score will make everything in the world of finance more expensive because of higher interest rates from lenders due to being considered a greater credit risk (i.e. higher interest rates on car, homes and credit cards). While this may be considered common knowledge by some, it’s truly devastating effects are understood by few.

For example. If you purchase a $200,000 home on a 30 year fixed mortgage at 8% interest instead of 6% (because of your credit score); that 2% is going to end up costing you a total of $96,934.11 over the term of the loan. Now, think about how many “extra” years you’ll have to work to pay off $96,934.11 because of an extra 2% in interest?

The part few people talk about is all the other areas in life where a low score will increase your cost of living on an annual basis. For example. In addition to paying more for a car, home and credit cards, a low credit score will most likely have you paying more for the following as well.

1.) AUTO INSURANCE. As many as 92% of the 100 largest personal automobile insurers use credit information to underwrite new business, according to a 2001 study by Conning & Co., an insurance-research and asset-management firm.

2.) HOMEOWNERS INSURANCE. It’s thought many insurance companies see a correlation between low credit scores and increased property insurance claims. Therefore, a low score will result in higher rates.

3.) LIFE and HEALTH INSURANCE. Customers who are unable to pay their monthly insurance premium thereby pass along that increased cost to the insurance company whose stuck with the bill… resulting in a loss for the company. Since customers who pay without lapse are more profitable it is felt by many that a low credit score now even affects a monthly life and/or health insurance premium negatively.

One of the more shocking areas where a low credit score will you cost you is in the area of employment. It’s estimated as many as 42% of employers now do credit checks on applicants before hiring them (according to a 1998 survey by the Society for Human Resource Management).

While many employers claim they only do it to “verify” information on your application (such as where you live and where you have worked etc.) we can both assume they are taking the liberty to “have a peek” at how you handle your financial affairs as well. According to the Public Research Interest Group (PIRG) as many as 79% all credit reports contain errors — 25% of which are serious enough to cause the denial of credit (according to a 2004 report).

And that’s all the more troubling in light of the increasing impact a bad credit report can have, says Ed Mierzwinski, director of PIRG’s consumer program. “It’s outrageous that the credit bureaus are claiming their scores are accurate enough to take people’s lives and screw with them like this”.

Jay Peters
http://www.articlesbase.com/credit-articles/five-things-every-woman-should-know-before-signing-any-credit-application-139208.html

Is Spironolactone The Only Option for Women Over 35 With Acne?

May 11th, 2010

Spironolactone is generally prescribed as an “off label” acne treatment for women. This drug, though intended to help people with heart problems not zit problems, reduces the production of the hormone androgen. Androgen promotes excess facial oil secretion.

Less oil secretion limits the possibility of having clogged pores and acne flare-ups.

Spironolactone works as an androgen receptor blocker. This drug decreases androgen production in the ovaries and adrenal glands. Side effects from spironolactone can include breast tenderness and menstrual irregularity.

For this reason, doctors usually add oral contraceptives like Ortho Tri-Cyclen and Estrostephave to compliment acne treatments and ease potential spironolactone side effects. Ironically though, spironolactone is recommended for women who are not candidates for oral contraceptives.

So should a woman over 35 with acne go with spironolactone? According to the American College of Physicians, the answer is “No”.

In the 2004 May/June edition of the American College of Physicians (ACP) published a medical review of studies that tested the effectiveness of spironolactone for controlling hirsutism, acne, or both in fertile or postmenopausal women. The ACP review found insufficient evidence to recommend spironolactone as an acne treatment.

Nevertheless, Dr. Diane Thiboutot of Pennsylvania State University, Hershey uses spironolactone for female patients with acne accompanied by a suspected endocrine disorder.

For example, when a woman experiences a sudden onset of severe acne or acne that is linked with excessive facial hair growth, irregular menstrual periods, increased libido, dark patches of skin, deepening of the voice, insulin resistance and hair loss, spironolactone may be helpful.

Dr. Thiboutot noted that spironolactone “seems to control quite well those cystic-type nodules that they [women] get on their lower face and chin.”

Yet Dr. Julie C Harper Dr. Harper of the department of dermatology at the University of Alabama, Birmingham doesn’t recommend spironolactone so easily. Only if neither topical retinoids nor antibiotics have not worked for a woman’s case of acne would Dr. Harper then suggest using spironolactone for women over 35.

Author of “Acne Messages”, Naweko San-Joyz, says “A woman’s response to androgens is so varied that limiting herself to an androgen blockers like spironolactone certainly does not guarantee a cure, or even a quick treatment.”

San-Joyz adds that overproduction of androgens is just one step in a series of potential events that could lead to acne. Instead of hormonal manipulation with drugs, San-Joyz suggests women with acne regulate this conditional using food, stress control and greater awareness of potential acne triggers like environmental estrogens.

Women with acne have numerous treatments options. If a woman does decide to go with spironolactone, it’s best to get her prescription filled with her gynecologist rather that her general practitioner.

It’s most likely that the gynecologist will be more aware of how a patient may respond to hormonal treatments like spironolactone and oral contraceptives, thus making recovery faster.

Naweko San-joyz
http://www.articlesbase.com/health-articles/is-spironolactone-the-only-option-for-women-over-35-with-acne-10534.html

why is this on Womans health?

April 27th, 2010

these men who always say eww thats gross, or ooh thats hot. it annoys the heck outta me. if they think it’s so gross, the n why are the on womans health. they are just asking for it

They are just horny lonely guys that can’t get anything in real life so they come and read stuff in Womans health to get turned on.