Dos and Don’ts When Completing Individual Health Insurance Application

If you do not have access to a group employer plan then the other option you have is to apply for individual health insurance plan. Individual health insurance application require more information from you then group health insurance plans that you might have had through job. The reason for that is that individual, and that applies to family health plans, are medically underwritten. That means that a person called medical underwriter will go over your medical application and decide if you are a good risk for the insurance company. The main reason for medical underwriting is to keep over all cost for every one low. The more insurance company has to pay out in claims the more they have to charge every one for health insurance to keep the average cost down.If you have already had a chance to take a look at individual application then you probably know that it can be long. How much of the application you have to fill out depends on your previous medical history. If you are in perfect health then there is not much that you can write on your application other then some basic information. If you are some one who has been to the doctors for lab work, test or takes prescription medication then you would have to include that on your application. Most individual application require you to provide information of your doctor or the last doctor you have been to. If you are not sure of the name of the doctor you can always include the hospital name, clinic name or doctors practice name. When it comes for the dates of your last doctor office visit or any other dates. If you do not remember exact dates, just put down your best estimate.The most important thing to keep in mind when filling out individual or family application, especially if you do have some medical issues, is to understand this. Until there is a permanent change to health care system and health insurance is not medically underwritten. Insurance company will consider every condition that you have and every medication that you take. The reason for that is that in most states in the US health insurance companies require to cover everything once you are approved. That means that all of your medical conditions and prescription drugs have to be cover by law once you have been approved for coverage. That is if you are approved. I hate to use this analogy because we a talking about human lives, but the simple way to explain health insurance is to compare it to car insurance. For example lets say you get in the minor car accident and you do not have car insurance. Your car is still drivable and it looks like you will need a new bumper and some paint. The next day you go out and purchase car insurance to cover your accident. Well we know it does not work like that. If you could just go out and get car insurance only after you had an accident then no one would pay for car insurance. Why pay if you can just get it after you had an accident. No one would pay for car insurance and car insurance companies would not exist. Then you would be fully responsible for all the damages out of your own pocket. I know I would rather pay that $100 a month just in case something does happen.Most people do not recognize that health insurance works in the same way. Health insurance companies are not going to approve some one who requires immediate medical assistance. That includes pending follow up visits to the doctor, recent surgery (after a surgery a lot of complications can arise), prescription drugs and anything that is known upfront that could potentially be covered expense. Insurance companies use a “actuarial tables” to underwrite individual applications. If based on what you have put down on the application could potentially cost insurance company money, chances are your application will not be approved.If health insurance companies automatically approved all the application then it would be the same scenario as with car insurance example, that no one would pay for health insurance. I know I would not, why pay for insurance if I can get it when I get sick. If no one would pay for insurance then there would no insurance companies to cover us for unforeseen large medical expenses. I am certainly not prepared to pay $400,000 or higher for medical emergency.Getting approved for health insurance could take some preparation. If you are currently taking prescription drugs, find out how to can slowly get off them. I am not a doctor and certainly would never tell anyone to not take drugs that were subscribed by their doctor. I think sometimes great health starts with us, with small daily choice we make. Take care of your body and it will take care of you. When completing application sometimes being too honest can cost you also. That does not mean lying. Going to chiropractor and writing on the application that you have had back pains and you will need to see a specialist. On top of that is that you have not has any health insurance previous is just way to suspicious. It looks like you are trying to get health insurance to get medical care for something that you do not want to pay yourself. Do not make it worse then it is and always phrase everything in the positive. Instead of you writing that you are having back pain, taking Advil and going to chiropractor. Phrase it that you went to chiropractor for maintenance just to realigning your back. I see a lot of people get declined for coverage even though they are in perfect health just because how and what they wrote on the application.Real people will be looking at your application if you are making it worse then it is or you are volunteering too much information then it is only your fault if you get declined. Your answers should be, everything is fine, just a check up, results were normal. Also before you know that you might be looking for health insurance do not go see your doctor until you do have coverage. If you go to the doctor and they find something “wrong” with you then bye, bye health insurance. Now you are stuck. When at the doctors office, again, be careful what you tell your doctor because it will end up in your medical records. When self diagnosing your self do not volunteer that information to your doctor, it is your doctors job to find if there is an issue. If you have been declined for health insurance there are options available to you so is having or not having health insurance. Having any health insurance plan is infinitely better then not having anything at all. It is a know fact that you will get a better treatment if the hospital knows that you have some way to pay for your medical care and that they are not just working for free taking care of you. The one and the most important thing that you can do is to take care of your health. Eat your broccoli.

The Art of Communication – Essential For Solid Success in MLM

The art of communication has been a vital topic throughout the history of mankind. Of course this art to a considerable extent depends on the timing in history, the cultural background, the position in a society, the level of education, the profession or industry, the age group involved, etc.It is very obvious that the rules for communication were very much different in ancient China, in medieval Europe or perhaps ancient Egypt. In each time and place the rules of communication vary depending on the personal background of the people involved. Communication patterns are very subtle systems and violating these systems creates uneasiness, estrangement or perhaps offense, it may make you an outcast, stranger or intruder, although lots of the people involved will not be able to put their finger on the “why”.At the courts in Europe it was unspoken etiquette at a time that a foreign guest had to be treated according to his rules. There is a story, that a glamorous member of oriental nobility was a guest at a dinner of the Royals in Austria. Part of the served dishes was roast chicken and all of a sudden the noble guest started throwing the bones with his hand behind his back. The other guests froze, yet within a split second the emperor himself started to fling the chicken bones behind his back – a gesture in honor of his guest who should not be made ashamed.In our days the art of communication seems to have been lost in a way or at least people tend to think so. Yet when you start looking closer it becomes very obvious that communication still is a major factor in determining success or failure. Most people will agree that in diplomacy this is recognized. Some are even aware of the fact that it is a major factor in business behavior. Here again the rules are pretty clear when it comes to hierarchy structures and the rules of common courtesy.However, let’s look at the world of Network Marketing – MLM. Network marketing is a business of people joining people, that is, interaction between people is THE factor in this industry. It surprises me again and again, that education is not a general must for this industry – at least for those who want to achieve success.Most people don’t consider communication a topic which requires education, yet some people do.Watching what is going on you see quickly that it is those who accept the necessity for education who are the top earners in this business.So what is this education all about: first of all you surely know the 3 monkeys – one covering the mouth, one covering the ears and one covering the eyes – an ancient symbol! It signifies that listening, speaking and looking at something is important and attached with know-how. Common sense should tell us that we have 2 ears and only one mouth – an indication that we have to listen twice as much as we speak and we have to listen to what is being said and not what we think is being said! Next we have to look with intent (2 eyes) at what we learned, to in the end give a well tempered reply (1 mouth). And this is only a small percentage of what is required. There are different types of people who need to be dealt with in different ways and of course well proven routines as to how to give a conversation/communication direction.Hopefully this has given a first idea as to how essential good communication skills are when inter-relating with people – you simply need to do it! Welcome!

New Laws Against Crime

Missouri Governor Jay Nixon signed on Thursday five new laws in a signing ceremony that happened at the office of the Missouri State Highway Patrol Satellite which is located south of Carthage. These five new laws is said to become the answer to the many issues that concerns Missourians.The laws, which will take effect in August, will affect five important sectors. But as Gov, Nixon puts it, the laws may be different, but they are interrelated. The laws signed by Gov. Nixon include these ones which we are about to discuss.House Bill 62 has three most noted provisions. One is prohibiting Missourians who are not yet 21 years of age to be driving and sending messages at the same time. This law is imposed because Nixon believes that these younger kids’ attention should be on the wheel and not on their mobile phones. Another provision is the protection of senior citizens from scams that are targeted towards them and the last is Hope’s Law which concerns methamphetamine possession in homes where a child under 17 years of age lives.House Bill 65 discusses a new law that simplifies the job of the Highway Patrol by abolishing the need of county sheriff or deputy to come with them in serving search warrants. According to Nixon, this law will make county sheriff more efficient in dealing with issues that is of more importance like safety of community.House Bill 863 is known as Child Witness Protection Act. As it implies, it deals with the protection and well-being of a child who is a witness to a crime or is a victim of it. This law ought to serve justice fairly by protecting the child from stress and emotional torture that they are exposed to while testifying in court.Senate Bill 36 according to Nixon is a bill for the younger Missourians. Those who committed serious crimes like sodomy or rape on a child under 12 is entitled to a probation or parole after serving 30 years in prison.House Bill 152 is about the collection of DNA for the DNA database of suspects arrested for felony in the state. This change is the most debated because according to them, an arrest is different from conviction. One identified benefit of this is the early knowledge whether the arrested person has been charged with the same or other charges. However, the law also states that if a complaint is not filed within 90 days after the arrest, all information including the DNA sample will be destroyed.These laws are created and implemented to the best interest of the community. Further your knowledge about all other laws and read on Lexington law and Lexington law information. These are all available for those who are interested online.