Honestly, all forms of insurance are really nothing more than a big rip off; at least, this is one way of looking at it. Another way is to think of insurance as a morbid form of gambling (especially life insurance). You pay a monthly premium to stay insured so that if you get sick or die or get into an auto accident, your insurance premiums pay off to your benefit, saving you from piles of debt and a potential bankruptcy.

With that said, it goes without saying that insurance is just a necessary evil in the overall scheme of life, especially health insurance, thanks to bureaucracy and crooked billing practices on the part of hospitals and insurance companies. So bite the bullet and get health insurance, and look on the bright side, it the one form insurance you are almost guaranteed to use at some point in your life.

The most difficult part of buying health insurance is buying health insurance (no this is not a typo). There are so many health plans and providers that it’s a miracle anybody is ever able to get insured. And if you think buying independent health care insurance on your own is difficult, you should see what people whose employers offer it sometimes have to go through. It used to be easy for employees in the work place when it came to getting coverage; all that was required was to choose how many people in your family would be covered and then sign on the jotted line, and human resources did the rest. Not any more though.

Consumers and workers who sign up for insurance today now have options. Insurance companies boast about their options and how they make them better than the competition, but to the average consumer it is nothing more than a big headache caused by the precious time wasted sifting through guides and reading convoluted text that makes no since to anyone but the lawyers who wrote them.

Essentially, these options allow you to choose a deductible and premium, which in turn will stipulate what amount of coverage you get. The higher your monthly premium the better the coverage is and the less out of pocket expenses you face. This is the opposite if you choose a plan with a low premium and low deductible.

It would be unfair though, to feel too much sympathy for employees trying to choose the right health coverage at work; after all, they can always seek help from their human resources department. What about the self-employed, or those who have jobs that don’t offer health benefits?

The best place to begin shopping for health insurance and gathering information is the Internet. Find a company you are interested in and then call them. Ask a representative to send you an information package, and when you get it call back and have someone explain everything within it that you do not understand. Make sure and ask what your total monthly premium will be, as well as your deductible.

If they are a good health insurance company then they will be more than happy to take the time to answer your questions, and will probably even be willing to work with your budget to help you find the best possible coverage. Finding the right health insurance will take some time, but could turn out to be well worth it if you or a loved one need it.

Genital herpes in some people may never show symptoms, but for others, the symptoms become so severe that complications develop, especially if sores or herpes blisters appear in other areas of the body.

Cold sores on the lips, called “herpes labialis”, are normally mild and may be considered a mere nuisance. But if these become prolonged, frequent, or severe, the use of antiviral treatments is recommended.

Blisters on the hands and fingers can also occur and it is called “herpetic whitlow”. Since the hands can practically reach all parts of the body, it has the greatest capacity to spread the virus. To prevent such a disaster, the hands must be covered with plastic or rubber gloves.

There can be blisters on the anus, too. The infection is called “herpes proctitis”. This infection is usually more painful and more distressing than genital herpes.

The eyes, especially that of the newborn, is also susceptible to the herpes virus. The infection is called “herpes keratitis” or “ocular herpes”. When this happens, or even when you only feel a painful irritation in your eyes, consult the doctor immediately. If ignored, herpes keratitis could lead to blindness.

Women who experience genital herpes outbreaks may also have vaginal yeast infections, called “vulvovaginal dandidiasis”. There will be swelling, itching, and pain when the woman urinates or engages in a sexual activity. This is due to the presence of too many yeast organisms in the vagina. If you have vaginal yeast infections, it doesn’t mean that you also have genital herpes. The excess growth of yeast occurs for many reasons, such as when the woman is taking antibiotics or birth control pills, or when she is pregnant, or when she is wearing tight body-hugging clothes. Fortunately, with good hygiene, this type of infection disappears on its own.

Sometimes, the genital herpes virus can infect the cerebrospinal fluid and the tissues that surround the brain. This will result to meningitis and encephalitis. Meningitis is life-threatening especially when these occur: changes in vision, photophobia, drowsiness, bulging on the baby’s head, and seizures. Encephalitis happens when the brain becomes swollen. It is also a life-threatening complication and have similar symptoms to that of meningitis. It can also lead to coma.

Other internal organs, such as the joints, lungs, and liver, may suffer complications when a person has genital herpes. These complications occur in people with ineffective immune systems, such as those with HIV, diabetes or cancer and those who are undergoing chemotherapy.

To avoid complications, you must again recall that HSV survives in mucus and may affect any part of the body where mucus is found.

Moderate consumption of red wine on a regular basis may be a preventative against coronary disease and some forms of cancer.” Chemical components of red wines function as anti-oxidants, preventing free radicals from doing cellular damage. Other compounds help to “boost the immune system, block cancer formation, and possibly protect against heart disease and even prolong life.”

This information has shocked milk and tea drinkers the world round. However, with this information, there has been an increase in the consumption of wine by those who would have never considered it before. According to winebusiness.com, wine sales in the United States were higher in 2006 than ever before. The site also says that the sale of red wine in particular continues to surge. In order to tap into the trend, wine gifts have sprung up as a way to compete for many companies. Wine gifts are used to promote corporations, foundations and even events.

Wine gifts range from basic corkscrews to wine and cheese carriers. Wine gifts can be simple or extravagant. All gifts are easily engraved or printed upon in order to promote a business or foundation. Wine gifts are available in a variety of styles, colors and uses, which makes them ideal as promotional products to anyone a company is trying to reach.

Wine gifts can add a touch of class and fun to an otherwise boring promotional event. There are few better ways to reward a client with great taste than a wine gift. More extravagant wine gifts, such as a wine and cheese carrier, make great prizes during corporate events. After all, as any wine enthusiast will tell you, a wine drinker can never have too many ice buckets, corkscrews or glasses. The simplest wine gift can make anyone’s day a little brighter.

There are also few better ways to spread the word about the health benefits of red wine than with a gift that accessorizes it beautifully. Anyone who is interested in the benefits will be interested in consuming it. Sales numbers have shown that this information has contributed to the success of wine; why shouldn’t your company be a part of the phenomenon?

Not everything in life goes smoothly or as we expect it to. That is why it is important that we should always be careful. Insurance of any kind is important to cover up for the uncertainties that may occur in future.

However the insurance that is most important to have is the health insurance as we can afford not to have the other insurances but the absence of health insurance can prove to be fatal not only for us but also for people around us as well.

There are different types of health insurance policies person who wants to get insured can choose the policy suits them the best. The two main types of policies are

1. Free – for – service insurance also known as indemnity insurance this is a traditional type of health insurance that pays the portion of each medical service you get like doctor’s visit and hospital stays while you pay the remaining costs. Premiums are higher than the other policies.

2. Managed care plans also known as HMO’s (health management organizations) or PPO’s (preferred provider organization). In this case the health insurance company has a contract with doctors and hospitals to provide you service. In this type of health insurance you pay monthly premiums and a small amount per visit called co pay. You can use the advice of other doctors as well by paying a higher amount of co pay.

The best way to go in for the health insurance is through a broker. You can choose your broker depending upon your requirements. A broker can get you a good health insurance policy as well as give you information on several key features of the policy in general. Like:

• What is the monthly premium?
• Is the policy guaranteed renewable/non cancelable or just guaranteed renewable?
• Are premium rates based on age of attaining the policy or using the features of policy?
• Does the plan pay for catastrophic medical costs?

You can answers to all the questions and more if you take the help of the brokers in your health insurance policies.

The health insurance organizations offer you different deductibles with larger the deductible the lower the monthly installments. You can choose a deductible of 50% to 80%. It all depends on your conditions.

Individuals with pre existing conditions for example, they have a health problem before going in for health insurance find it difficult to get health insurance coverage. However depending on your state you can choose any of the following policies. They are: open enrollment, health insurance provability and accountability act (HIPAA), high risk pools or temporary coverage.

The borrowers can choose from the myriad of resources that deal in health insurance.

Life is uncertain that’s why it is essential that we have insurances with us and every member of our family to live life with a reasonable amount of certainty. Also health insurance has plenty of features which help us in times that we feel a little vulnerable. So it is important that we go for a policy of health insurance.

Mesothelioma and asbestosis are the long term result of prior exposure to asbestos. You have undoubtedly heard of asbestos, and are probably aware of its dangers. But many people are not aware as to exactly what it is and where it can still be found in the environment in which we live.

Asbestos is a type of mineral fiber that used to be utilized in many products for the purpose of making them more resistant to the extremes of heat and cold. For many years asbestos was used widely by the building industry, before it was known that this material releases particles which produce mesothelioma – an aggressive form of lung cancer – when they are inhaled. Asbestos is no longer used, for this reason.

There is also active controversy that some sectors of the building industry continued to exposure their workers to asbestos, with the attendant risks of asbestosis and mesothelioma long after the building industry was in possession of compelling evidence of the dangers of asbestos use.

One issue many people may not realise is that asbestos use was not limited to commercial buildings – it was commonly used in the building of homes, and yours could be one of them. The fibers of asbestos are in some roofs and tiles built up with asbestos cement. They also can be found in paintings and substances to cover holes in walls or ceilings. Some old hot water pipes might be covered with asbestos too. Ask a professional to take a look to your house in order to ascertain if you and your family are in risk.

Certainly, if you are considering demolishing any walls, or renovating or remodelling your home, it is imperative that you have an asbestos expert determine whether or not there is asbestos present in your home. Indeed, it is illegal to demolish or otherwise interfere with any structure containing with asbestos. It is necessary to have the asbestos professionally removed by people who know exactly what precautions to take to remove asbestos containing structures, and how to safely dispose of the asbestos so as not to cause any inadvertent exposure to asbestos, which could well cause the development of mesothelioma some years later.

Various organizations and government officials have cited estimates for the number of illegal immigrants at between eight and twenty million. With rising health care costs as a major issue for most Americans, this article considers the moral and practical issues of providing medical care for uninsured immigrants.

According to a research report entitled “The Size and Characteristics of the Unauthorized Migrant Population in the U.S.” {© [2006] Pew Hispanic Center, a Pew Research Center Project}, there are an estimated 11.5 to 12 million unauthorized migrants currently residing within The United States. The report was based on Census 2000 data, as well as the Current Population Survey of March 2005, and the monthly Current Population Surveys through January of 2006. The Pew Hispanic Center uses the term: ‘Unauthorized Migrants’. This term refers to persons residing in The United States who are not U.S. citizens, have not been admitted for permanent residence, and do not have specific authorized temporary status that permits extended residence and work within the United States.

The Pew Hispanic Center report found that the unauthorized population consisted of 5.4 million adult males, 3.9 million adult females, and 1.8 million children. Adult males are in the majority, making up 58% of the unauthorized adult migrants, while females account for 42%.

When discussing the percentage of unauthorized migrants, it is important to consider their labor force participation. Thirty-one percent of unauthorized migrants are employed in service industry jobs, while only sixteen percent of natives work in service. Native workers make up the great majority of white-collar jobs, while unauthorized migrants are underrepresented. Certain occupations have proportionately high concentrations of unauthorized migrant workers: Farming (24%), Cleaning (17%), Construction (14%), Food Preparation (12%), Production (9%), and Transport (7%). This is relevant to the issue of health insurance because the cited industries do not typically provide health insurance coverage.

The Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (PRWORA) addressed eligibility requirements for non-citizens to receive Federal means-tested public benefits. The Act resulted in significant restrictions on immigrants’ eligibility. Such benefits include Medicaid and the State Children’s Health Insurance Program (SCHIP). Certain immigrants are not eligible for Medicaid or SCHIP for five years from the date they enter the United States in a qualified-alien status.

Generally, only “qualified aliens” are eligible for coverage. Who is considered a qualified alien? There are nine basic types of qualified aliens: Aliens lawfully admitted for permanent residence under the Immigration and Nationality Act (INA), 8 USC 1101 et seq.; Refugees admitted under §207 of the INA; Aliens granted asylum under §208 of the INA; Cuban and Haitian Entrants, as defined in §501(e) of the Refugee Education Assistance Act of 1980; Aliens granted parole for at least one year under §212(d)(5) of the INA; Aliens whose deportation is being withheld under (1) §243(h) of the INA as in effect prior to April 1, 1997, or, (2) §241(b)(3) of the INA, as amended; Aliens granted conditional entry under §203(a)(7) of the INA in effect before April 1, 1980; Battered aliens, who meet the conditions set forth in §431(c) of PRWORA, as added by §501 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996, P.L. 104-208 (IIRIRA), and amended by §5571 of the Balanced Budget Act of 1997, P.L. 105-33 (BBA), and §1508 of the Violence Against Women Act of 2000, P.L. 106-386. Section 431(c) of PRWORA, as amended is codified at 8 USC 1641(c).1; Victims of a severe form of trafficking, in accordance with §107(b)(1) of the Trafficking Victims Protection Act of 2000, P.L. 106-386.2.

Unauthorized migrants will be denied health care with the exception of emergency situations. This policy creates a problem for paramedics and other medical professionals, who will be forced to determine whether the individual’s life is at risk and what constitutes a medical emergency. How emergency health care workers are expected to enforce this policy is unclear. The Department of Health and Human Services is currently working on the terms, with the start date set for less than three months from now.

To receive health care, individuals will be required to provide proof of citizenship or proof that they are

This is what they call “Hope”?

We’ve all gotten used to the idea that certain maladies will be around for a while…like until the Second Coming. Maladies such as cancer, heart disease, diabetes, arthritis…and many more are expected to be around, in epidemic proportions, longer than we think we will be alive…and anyone who tries to tell us otherwise is looked upon with real skepticism. In fact, when anyone tries to tell us “there’s hope” for such maladies as, say, diabetes, we are more likely to believe that the person is trying to sell us something…and usually we are right.

But, what’s even worse is the fact that the “hope” we do receive is usually something like the following:

Studies show people at high risk for type 2 diabetes can prevent or delay the onset of the disease by losing 5 to 7 percent of their body weight. You can do it by eating healthier and getting 30 minutes of physical activity 5 days a week. In other words: you don’t have to knock yourself out to prevent diabetes. The key is: small steps that lead to big rewards. Learn more about your risk for developing type 2 diabetes and the small steps you can take to delay or prevent the disease and live a long, healthy life.

Of course, this is good advice. No denying it. As a medical doctor, I had to dispense advice like this for years, for diabetes and other conditions. Funny, as good as it is, I NEVER saw anyone become ecstatic, do cartwheels or celebrate because they had just received such counsel. Why? BECAUSE WHAT WE REALLY WANT FROM THE MEDICAL WORLD IS A CURE!

And why not? It just doesn’t seem fair that the only real answer to conditions like diabetes or obesity is the “hope” that we stop eating almost everything we enjoy, sweat till we drop, “pop” prescription pills ’till we’re bloated, and think positive…forever.

A new future?

So, of course, I was skeptical too when I began to hear the claims associated with glyconutrition. As a long time medical professional and scientist, I know that “claims” are easily made… And who ever heard of “glyconutrition” anyway?

In 1999, the Nobel Prize for Medicine was awarded to Dr. Gunter Blobel for his work in the science of Glycobiology (the biology of glyconutrition). Out of the last eight Nobel Prizes awarded in medicine, four Nobel Prizes have been awarded for discoveries made in this ONE field. Believe it or not, this field (glyconutrition) affects maladies such as diabetes, cancer and heart disease directly. Why? Because, eight sugars have been isolated for their support of the immune system and cell communication. Additionally, human life cannot be supported without them.
This information got my attention. When a single Nobel Prize is won in medicine, everyone is paying attention. When four of them are won in the SAME field, as in this case involving glyconutrition, the medical world is “on fire” with the news.

As that information made its way through the medical world, other issues made the news too. For decades the American Medical Association, the powerhouse of medical professionals, taught that nutritional supplements were not necessary for good health. But, in June 2002, the AMA admitted that nutritional supplementation was vital to good health and helpful in treating diseases.

Also, the prestigious MIT published its findings. It wrote that these “sugars” were one of ten technologies it believed would change the world in the next decade. Nutritional supplementation was again vital to the conventional medical world…and at the center of the storm was glyconutrition.

But, what really jolted me professionally was this: Until these discoveries, scientists had NO idea how the cells of your body could tell the antibodies of your body you had an infection and that they had to “get on over here” to deal with it. Until these discoveries, scientists had NO idea how the cells of your body told the rest of your body that they needed nutrition, oxygen, waste elimination, infections healed…and a thousand and one other necessary functions of every cell. Goodness! We in the scientific world hadn’t known just exactly HOW even aspirin made its way to that nasty headache of yours. We just knew it worked. So, we prescribed it.

Sugar? Say it ain’t so, doc!

But, my attention was riveted to the news that scientists like Dr. Gunter Blobel had discovered what it was that let the cells COMMUNICATE with the other systems of the body. And would you believe it? What he found was amazing. Sugar…SUGAR! (Glyco = Greek for “sugar”) No…not table sugar (else diabetics wouldn’t be so excited over this new-found help for their diabetes). There are over 200 sugars in nature but, eight of them are VITAL to our good health. In fact, eight of them are the glyconutrition “backbone” for helping the body prevent or heal:

” auto-immune diseases such as diabetes, psoriasis
” overactive immune disorders such as allergies and asthma
” under active immune disorders such as cancer, TB, strep
” inflammatory disorders such as colitis, ulcers, Fibromyalgia
” other conditions such as Alzheimer’s, infertility, heart disease

Suddenly, the medical world was on fire over glyconutrition. The “anecdotal evidence” concerning glyconutrition is mounting rapidly as people are finding conditions which have long grieved them…to be a thing of the past. For so many, the expectation for the future is not a “long, long, road” fraught with impossible dieting, grueling workouts, thousands of dollars of prescriptions, and the need to dream positively. People are getting relief – from diabetes, heart disease, cancer, allergies, and many others – with glyconutrition…and without prescriptions! (Glyconutrition products are NOT prescription items…they’re food.)

Oh yes. I almost forgot. If you go to your doctor and he isn’t aware of glyconutrition, don’t panic. Your poor doctor CANNOT possibly keep up with all of the signs, symptoms, conditions, and their myriads of treatments, chemical make up and complications associated with thousands of maladies and the millions of prescription antidotes for those maladies. I couldn’t as a doctor, and I had several DECADES of experience in the field. “Been there … done that” as they say.

Incidentally, doctors don’t usually find out first what works. They’re just too busy being overwhelmed with the medical conditions they face, day to day. They usually find out like everyone else…They read about it or attend some seminar. Often, the marketplace produces antidotes – or research finds the right treatment, as in this case – long before they do. But, I can tell you this. Glyconutrition is helping conditions as diverse as diabetes and Alzheimer’s … and a lot of people have hope that these conditions CAN be and are being…overcome…

Orgasm is the crowning of a successful and highly pleasurable session of sex. It puts a smile on the lips of satisfied women and makes men walk with a swagger. It’s the biggest little thing in the world and the crucial detail and the end of a delightful exertion. Life without orgasms is simply not possible.

But orgasm is not limited in scope to making one (or two) people feel good for five or ten minutes before falling asleep. Science has shown that frequent sex and orgasms are very important to the general well-being and health of every person. The more frequent the orgasm, the better off that person is going to be on both the physical and psychological planes.

Everyday life is bound to result in some nervous tensions for most people as the troubles of jobs and relationships take their toll on the mental balance. Sex and orgasms are a chance for these tensions to join the psychological and physical build-up and release. Thus, the mind uses orgasm to flush the tensions out of the system and replace them with the delicious relaxation of that comes with pleasure.

The best thing to do after disentangling from the tender embrace is, of course, to slide into sleep. The combined exertion of sex and relaxation brought by orgasm is the perfect replacement for any sleeping pill. Instead of reaching out for the bottle of pills, you would be better off reaching out for the man lying in bed next to you or for your favorite sex toy. It’s a perfectly natural solution that we heartily recommend.

Don’t let headaches get in the way. What men don’t realize is that headaches are many times a woman’s way of saying “You have to try harder”. The pleasure brought by orgasm is the result of a discharge of endorphins into the brain. No headache can survive the attack of pleasure flooding the brain and the calming effect it has.

Aside from releasing endorphins into the brain sexual stimulation also activates the production of phenethylamine, an amphetamine secreted by the body which is thought to play a role in the regulation of appetite. Of course, sex is not meant to replace dieting, but it seems to go some way toward helping you rein in those food cravings and it does burn some calories. In fact, sex burns a bit more calories per minute than tennis.

The number of scientific studies showing that frequent orgasms are good for one’s health is testimony to the important role played by a successful sex life in the physical and mental health of all men and women. Aside from the fact that increased heart rate and heavy breathing keep the circulatory system in shape and make oxygen circulate through the body, sex has other benefits.

A study published in Psychosomatic Medicine in 1976 showed that failure to reach orgasm has a negative impact on the cardiovascular health of women. Doctor Winnifred Cutler, a specialist in endocrinology, found that women who have sex at least once a week are more likely to have normal menstrual cycles and higher levels of estrogen in their blood. Healthy levels of estrogen help keep the cardiovascular system in shape, fight cholesterol and keep the skin supple.

This is why we recommend the Ultimate Sex Guide. This one-stop guide to more pleasure than ever before is packed with new positions, tricks and tips that will banish boredom and routine from your relationship. Bring back the spark and make it turn into a flame with the help of new information. More pleasure means a healthier life for you and your partner.