Jailed US missionary faces business, personal woes
Jailed US missionary faces business, personal woes
As an Idaho woman sits in a jail in Haiti, her Internet business is closing and her ex-husband is seeking sole custody of their 5-year-old daughter and 15-year-old son.
Read more on AP via Yahoo! News
Digital…?
can photoshop color in pictures. like pictures that arent colored can you scan them and digitally color them in photoshop elements 6.0?
My-Health-Insurance-Info
For more info please visit XTRA INFO-Health Articles
Universities usually offer students some type special health insurance benefits that are slightly less expensive and more appropriate for a young, healthy student’s needs than more expensive commercial insurance plans. Many student work while in school and also may be able to get insurance though their employer for a reduced group rate that will cover more for their money. But for the student who does not work or live at home, insurance options can be tough. If the student has no qualifying dependents, they may not be able to qualify for public assisted health benefits. They would have to rely on the school’s health plan or go to a local clinic that pro-rates the cost of care. If you are an international student, you must have complete medical coverage before attending the college of your choice.
The student benefits cover basic health insurance for all students enrolled in 11.5 credit hours per semester automatically. If you have less than 11.5, you will have to purchase the plan for a small fee. Graduate students and teaching assistants get a different type or health insurance package from the school. They have the option of having their health care benefits through an HMO or through a comprehensive type group such as Blue Cross/Blue Shield. With the HMO plan you will pay a monthly fee from your paycheck or a yearly cost that will part of your tuition. That will allow you to receive care at a low fee co-pay option. It also gives you the ability to have extra coverage in case of emergencies or referral to specialists. With the comprehensive plan, you will go to a pre-approved doctor, pay him or her, and then submit your bill or receipt of payment to the insurance company for reimbursement. You will need to take to your particular school to see what benefits are available, who is eligible, and at what cost.
All eligible students are covered by the basic student plan, but many are still either on their parent’s policy, have work related insurance, or are on a spouses plan. The basic plan is additional coverage beyond any other insurance you have. This means that if you have other health insurance coverage you submit medical bills to those companies first for payment. The Student Health Service strongly recommends having additional insurance in the event of a major illness or injury. The basic coverage doesn’t cover emergency or hospital treatments, nor does it allow you to see any doctor off campus in most cases. Students having basic insurance are entitled to receive their health care at the student health centers on campus only. So any other medical need will come out of the students pocket. The coverage of a student health plan begins on the first day of the semester you are enrolled and ends the day the semester closes. During school and semester breaks, with the exception of scheduled school vacations, you will not be covered until the next semester begins. Depending on your individual school, the dates can vary.
The maximum benefit coverage for the basic student health plan is for expenses incurred due to injury as long as treatment was received with in 90 days up to $5000 per injury. The maximum benefit coverage for sickness is $5,000, provided that treatment is received within 12 months from the date of the first treatment for the sickness. If you need to go to the hospital most basic plans will cover up to $5000 for your treatment and stay. Anything accrued above and beyond, including out patient treatments after discharge will be your sole responsibility. The maximum per illness or injury is $5000 no matter what type of treatment and how long you need it for. This is why it is very much recommended to have some alternative form of insurance such as short-term if a regular policy is too expensive. Most universities also offer two major medical plans for student who would like more coverage than the basic plan in case of serious illness or injury that exceeds the $5000 cap. You can choose between a $50,000 or $100,000 maximum benefit for a cost that will be included in your tuition each year. Once you have exceeded the $5000 cap you will be responsible for a deductible of some kind, usually $250-$500. After that the major health plan will pick up 80% of the medical bills till the cap is met or you are done treatment, which ever happens first.
XTRA INFO
Food Rules: An Eater’s Manual
- ISBN13: 9780143116387
- Condition: NEW
- Notes: Brand New from Publisher. No Remainder Mark.
Product Description
A pocket compendium of food wisdom-from the author of The Omnivore’s Dilemma and In Defense of Food
Michael Pollan, our nation’s most trusted resource for food-related issues, offers this indispensible guide for anyone concerned about health and food. Simple, sensible, and easy to use, Food Rules is a set of memorable rules for eating wisely, many drawn from a variety of ethnic or cultural traditions. Whether at the supermarket or an all-you-can-eat… More >>
Man Utd’s Hargreaves says may never be pain free
Man Utd’s Hargreaves says may never be pain free
Manchester United midfielder Owen Hargreaves admits he may never be free of pain during matches as a result of the knee injuries that have sidelined him for 18 months.
Read more on AFP via Yahoo! News
Why Traveling Without Insurance May Cost You More
You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.
What is travel insurance? Well there are two kinds of insurance to look at when traveling.
1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.
2. Travel medical insurance protects you against any medical expense while traveling.
Ideally, you need a combination of the two when traveling.
Imagine these scenarios:
You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?
Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?
Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?
Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.
Every year the government deals with thousands of cases of travelers being injured, falling ill or dying overseas. This is a distressing situation for all involved, but made even worse when the travelers are not insured, often leaving them with huge bills to pay. Hospitalization in other countries can cost over one thousand dollars a day. Medical evacuations can be in the hundreds of thousands of dollars and if you die in Europe, it can cost over ten thousand dollars to bring your body back home. If you do not have travel insurance you have to cover these costs yourself (or your family will have to find the money).
Travel insurance is a cost you need to budget for. If you don’t take it out, your medical expenses could cost a whole lot more. Insure yourself and travel safe.
This article is brought to you by: Stuart S. Travel – Your Online Travel Guru
Stuart S. Travel / Your All World Online Travel Guru:
Sherry Hardesty has been a professional flight attendant for over 15 years. Her experience is extensive and she provides professional travel consulting and booking services at http://www.stuartstravel.com
RetailMeNot.com Releases February 2010 Report on Consumer Coupon Usage
RetailMeNot.com Releases February 2010 Report on Consumer Coupon Usage
MELBOURNE, Australia—-RetailMeNot.com, a top consumer destination for coupons, discounts and promotional codes for merchandise, groceries, travel and services, today announced the release of its February Consumer Coupon Report, which offers a comprehensive look at consumer coupon usage for both online coupon codes and printable coupons.
Read more on Business Wire via Yahoo! Finance
Study: Third of Americans use library computers
Study: Third of Americans use library computers
A third of Americans — about 77 million people — use public library computers to look for jobs, connect with friends, do their homework and improve their lives, according to a new study released Thursday.
Read more on AP via Yahoo! News
