What Negative Impact Does Video Games Have On Children?


Computer games are exciting and cool, you get to do things in the game that you would never actually do in real life.

Without a doubt, electronic games are more than than just high-tech entertainment, they challenge your skill and help keep boredom at bay. Video games games can sharpen your reflexes and some of them may even enhance your math and reading skills. Besides, the latest video game is likely to be the basis for school-yard conservation. If you play a popular game, then you have something to talk about with your peers.

Video games have been describe as by parent as time-consuming and very addictive that encourage laziness and make us fat. They often portray violent, gang wars, drug use, explicit sexual content, foul language, intense violence, blood, and gore. Some bestselling games features cult practice.

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Many of these violent games can be play live on the internet. The internet roleplaying games have become hugely popular. In these, participates create online characters whether human, animal or a blend of both. This online world contains shops, cars, home, dance clubs, brothels- in many ways, it is a replica of the real world.

Mafia men, pimps, prostitutes, extortionist, counterfeiters and assassins are just a few of the sordid character that inhabit these online worlds. Just by pressing a few buttons, avatars can engage in sex while the real world participants talk about sex via instant messaging. Some games even promote homosexual behavior. Studies repeatedly shoe that watching violent entertainment increase aggression in those who view it. Infact, some experts say that because of the interactive nature if video games, they can have a stronger effect than TV. Exposure to high does of graphic sex and hideous violence can damage your sense of moral.

Many video games are created for single players, so they can isolate you from friends and family. They may also lead to addiction and affect your everyday life. In rare cases, players spent days in front of the computer without eating or sleeping. Another drawback is that video games can increase your changes of becoming obese and unfit. The constant use of thumbs and wrists may cause tendonitis, wrist pain, RSI and other problems.

 

Rather than playing game just because your peers enjoy it, have the strength to make your own informed choice.

Their are ganes designed to have educational and physical benefits for players. Games that require your thinking abilities like Chess, Board games, Scrabble, Cards, Monopoly and so one train the brain to perform better in real-life activities.

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Major Health Risk To Aviod When Traveling with Children

Parents traveling overseas with children should know health risks and how to avoid them.

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An estimated 1.9 million American children travel internationally each year, and the number is increasing. In general, children face most of the same health risks as their parents, but the consequences can be more serious. Some conditions can be difficult to recognize in children, especially in those who aren’t talking yet. If you are planning to travel to another country with your kids, be familiar with the risks of travel to help them stay safe and healthy.

DIARRHEA

Diarrhea is among the most common illnesses experienced by children who are traveling. For infants, the best way to prevent diarrhea is breastfeeding. Older children visiting developing countries should follow basic food and water precautions: eat only food that is cooked and served hot, peel fresh fruits and vegetables or wash them in clean water, and drink only beverages from sealed containers or water that has been boiled or treated. Children should wash their hands or use alcohol-based hand cleaner frequently.
Diarrhea can be serious in infants and small children because of the risk of dehydration. The best treatment for diarrhea in children is to give plenty of fluids; there is usually no need to give medicine. Oral rehydration salts (available online or in stores in most developing countries) may be used to prevent dehydration. Over-the-counter drugs that contain bismuth (Pepto-Bismol and Kaopectate) should not be used in children, and antibiotics are usually reserved for serious cases. A child who appears to be severely dehydrated, or whohas a fever or bloody stools, should get immediate medical attention.

Malaria and Other Diseases

Children who travel to areas where malaria is a risk should take drugs to prevent malaria, just like their parents. A doctor can tell you which malaria medicine is best for your child. Many of these drugs have a bitter taste, but a pharmacist can pulverize the capsules and put the powder in a flavorless gelatin capsule. Because of the risk of overdose, malaria drugs should be stored in childproof containers and kept out of the reach of children.
Malaria drugs are not 100% effective, and other diseases (such as dengue, leishmaniasis, and trypanosomiasis) also are spread by insects, so children (and their parents!) need to avoid bug bites. Children should wear bug spray and long pants and sleeves. Permethrin Adams Plus Flea & Tick Yard Spray (32 fl oz)can be applied to clothes for extra protection. At night, children should sleep in screened, air-conditioned rooms or under a bed net.

Rabies

Rabies is more common in children than in adults because children are more likely to try to pet strange animals. Children need to be told to stay away from all animals; however, they also need to be assured that if they do get bitten, they won’t get in trouble and should tell an adult immediately. Any animal bite should be washed thoroughly with soap and water and must receive medical attention as soon as possible.

Accidents
Car crashes are the leading cause of death in children who travel, and drowning is the second-leading cause of death. Children should always ride in age-appropriate car seats when traveling. Parents should plan to bring car seats with them because they may not be available in many countries. Children should be supervised closely and should always wear a life preserver around water.

Routine and Travel Vaccines

If possible, children should complete their routine childhood vaccines on the normal schedule before traveling overseas. However, if they must travel earlier, accelerated schedules are available for many vaccines. Some travel vaccines cannot be given to very young children, so it’s important to check with a travel medicine doctor, who should consult the child’s pediatrician, as early as possible before travel.

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Early Detection Of High Blood Pressure In Children

We usually think of High Blood Pressure—also known as Hypertension—as a problem that affects adults. But, in fact, the condition can be present at any age.
Rates of High Blood Pressure in children and adolescents have increased in the last 20 years in the United States. 

An estimated 3.5% of all children and teens in the United States havehigh blood pressure, however, the condition often goes undetected and untreated.




Childhood Hypertension, particularly in pre-adolescents, is more often secondary to an underlying disorder than in adults. Kidney disease is the most common secondary cause of Hypertension in children and adolescents.

COMPLICATIONS

Hypertension occurs in around 0.2 to 3% of newborns; however, blood pressure is not measured routinely in healthy newborns. Hypertension is more common in high risk newborns. A variety of factors, such as gestational age, post conceptional age and birth weight needs to be taken into account when deciding if a blood pressure is normal in a newborn.
Blood pressure rises with age in childhood, failure to thrive, seizures, irritability, lack of energy, and difficulty in breathing can be associated with Hypertension in neonates and young infants. In older infants and children, Hypertension can cause headache, unexplained irritability, fatigue, failure to thrive, blurred vision, nosebleeds, and facial paralysis. 

In 2004 the National High Blood Pressure Education Program recommended that children aged 3 years and older have blood pressure measurement at least once at every health care visit and the National Heart, Lung, and Blood Institute and American Academy of Pediatrics made a similar recommendation.
High blood pressure in children is almost always asymptomatic—that is, without any symptoms or noticeable discomfort.

In many cases, high blood pressure seems to develop with age. As a result, a child may show no signs of High Blood Pressure as an infant, but may develop the condition as he or she grows.

By age 7, more than 50% of Hypertension is due to obesity; this rises to 8595% by the teenage years. Thus, good eating habits (without overeating and emphasizing foods low in sodium, low in added sugar and high in fruits and vegetables) and plenty of physical activity are important throughout the early years of childhood (and for the rest of life).
Diagnosing High Blood Pressure in Children​ If your child’s blood pressure is high, your pediatrician may recommend tests to see if there is an underlying medical problem causing it. These tests include studies of the urine and blood. Sometimes, ultrasounds are used to examine the heart or the kidneys. If no medical problem can be found, your child will be diagnosed with essential Hypertension—the word essential refers only to the fact that no cause could be found.

Management & Treatment 

The first-line treatment for high blood pressure in children remains lifestyle changes.

*.If obesity is a possible cause, the first step will be to have your child lose weight. This will need to be very closely monitored by your pediatrician. Not only will weight loss lower blood pressure, it can provide many other health benefits as well.

*.Limit the salt in your child’s diet. Giving up the use of table salt and restricting salty foods can lower blood pressure in some patients. Common sources of salty foods include bread, deli meats, pizza, and foods prepared outside the home.  

 *.Use caution when shopping for packaged foods. Most canned and processed foods contain a great deal of salt, so check labels carefully to make sure the items have little or no salt added.

*.Help your child get more aerobic exercise. Aerobic physical activity can lower blood pressure, because of its effect on blood vessels and the heart—even when patients do not lose weight. The AAP recommends 60 minutes of physical activity each day.

FINAL NOTE.

Once your pediatrician knows your child has high blood pressure, he or she will want to check it frequently to make sure the Hypertension is not becoming more severe. Depending on how high the blood pressure is, your pediatrician may refer your child to a specialist—usually a pediatric nephrologist (kidney specialist) or pediatric cardiologist (heart specialist).

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Dog Pet Care: How to Choose a Dog & What to Know Before Getting One

Healthy Pets

​Owning a dog is a priceless experience, but it also takes a lot of hard work. Getting started is the hardest part, especially if you’ve never owned a dog before.

Having a dog is like a less self-sacrificing version of having a child. It takes a ton of work and preparation, and you still can’t escape a few surprises along the way. It helps to have some guidance so you can at least know where to start when you’ve decided you want one. Here are some tips for starting on the right track for a happy life with your new companion.

FIRST: MAKE SURE YOU’RE SURE

Getting a dog is no small endeavor, and it’s something you’ll spend the next 10-plus years either being happy about, or regretting. There are some things you really want to consider before you adopt.
Here are some questions you might want toask yourself in addition to any you’ve cooked up on your own:

Will your lifestyle still accommodate adog in five to fifteen years?

Do you have the time for a dog?
Dogs take up a lot of time and energy. Yes, they are rewarding. But if you live alone and work twenty hours a day, then perhaps a dog is not the best choice for you. Hey, there are always those super-cool robot dogs.
If you are not often at home, and you really want a dog, you probably should invest in a dog walker. You’d probably be wise to choose adog breed that isn’t especially needy, too. Check out PetMD’s Breedopedia to select from a wide variety of breeds. Any dog you get should be suitable to not only your lifestyle, but your surroundings. If you live in a shoe box apartment, then a large dog is not a good choice. You don’twant your dog to develop health issues, be bored, or destroy things. Large dogs really belong in big places with lots of outdoor space.
Can you afford the extra expenses of a dog, and any medical expenses that might turn up?

Is your home suitable for the size and type of dog you think you want?



You now have a financial dependant, too. While the dog is only a part of your life, you and your family are everything the dog has to look forward to. This means you’ll have to provide all the attention, exercise, affection, and care the dog needs.
Immediately after the dog comes home it’ll need its initial checkup at the vet’s office, flea and tick prevention, and possibly pet insurance. You might also want to schedule puppy training and obedience classes, especially if you don’t have much experience.
Within the first year of a puppy’s life you’ll need at least three rounds of shots over the first few weeks and, depending on the dog, a spay or neuter appointment. You’ll also want to keep in mind consistent costs. Puppies quickly outgrow old collars, and eat a lot while they’re growing as well. Most adult dogs won’t require as much vet attention, but they will still eat and need a “just in case” fund. If you travel, you’ll want to consider boarding, and if you’re busy, you might want to calculate the cost of your local doggy daycare or dog sitter. To keep from turning timid or aggressive, puppies need to be well socialized with all kinds of people and animals starting at an early age, so you’ll plan to spend plenty of time out of the house with your puppy at dog parks and parks (after the vet gives you the go ahead once vaccinations are complete), and with friends and family.

DECIDE WHAT YOU WANT IN A DOG

Choosing a dog is a lot like choosing a spouse. You’ll need to make compromises, but you’ll also need to get to know the dog and have your expectations and preferences figured out beforehand. Start by listing the most important things to you. Maybe you would like a high-energy runningcompanion, or maybe you need something small and quiet because you live in an apartment. Whatever the case may be, write it down. Some preferences you might want to consider are:

How old do you want your dog to bewhen it comes home? 

By adopting an older dog you might be able to skip house and crate training, whereas a young puppy will require extra training, but you also get to have a greater impact on how the puppy is trained and shaping how it behaves in the long run.

What Size Dog Do You Want?

The larger the dog, the more it eats, and the more difficult it can be to handle if you live in a small space. On the other hand, some of us just like big dogs, or live alone and want to feel protected.

Do you have the time, energy, and desire to take long walks every day? 

Or do you prefer a companion that’s either a little lazier or more self-sufficient? Dogs that have a lot of energy tend to behave badly when not given the opportunity to express it, whereas other dogs, like bulldogs, are pretty lazy and don’t require a ton of extra exercise. Either way, be prepared to be active with walks, trips to the dog parks or puppy play dates, but you do get to call the shots on exactly how active you want to be.

Are you a beginner who’s worried about the difficulty of training a dog?

If so, you’ll want a dog that’s easier to train. Some breeds are more difficult to train than others.

Do you need a breed that’s known for being gentle and well-behaved with small children?



IN CONCLUSION

Keep evaluating your lifestyle and personality to get a picture of the kind of dog you want. If you’re experienced or super laid back, you may not have a ton of preferences, and that’s awesome. However,some people have some pretty strict needs. It’s best for both you and your futurecompanion for you to lay these out before hand.

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Owning Your First Pet Dog 

I will like to Congratulate you on deciding to own your very first dog! With the correct level of training, planning, love and attention, your canine will be the perfect companion for many years to come. Dogs can bring such love and joy into our world. Research from the American Psychological Association has even indicated that those who own a pet will be much healthier and happier throughout their life.

You may worry that you lack the knowledge to keep your pet healthy, safe and entertained.   Don’t worry – here are six tips to turn you from a canine rookie into a savvy dog owner:

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THE CARE YOUR DOG DESERVES

Owning a dog is a big commitment. As a result, you will need to take on a number of new responsibilities. Daily care, medical visits, as well as vaccinations and training are potentially some of the financial costs you will incur.

However, this is simply the very nature of owning a pet and as thousands of other dog owners will agree, it’s worth it for the difference they make to your own life.Your dog deserves to be loved, so therefore it’s down to you to make sure they are cared for in the best conditions possible. Progress may be slow initially, as all dogs have to get used to their new surroundings, but it’s important to stay focused and not to lose your temper.

ESSENTIAL EQUIPMENT AND SUPPLIES

It’s advised to purchase all of the essential equipment you need to successfully look after your dog before you bring them back to your home.
When owning a dog for the first time, there are a number of supplies you will need straight away and others which should be viewed as optional. The optional supplies can be purchased at a later date as and when needed.

The main and essential supplies include:

*.Water bowl

*.Food bowl

*.Dog food

*.Leash

*.Collar

*.Treats

*.Dog bed

*.Stain and odour remover
The optional supplies include:

*.Dog toys

*.ID tag

*.Crate

*.Dog shampoo

*.Puppy/dog training pads

*.Clippers

*.Dog flea treatment

*.Kennels – for outdoor use

*.Pet gates – for inside the home

*.Muzzles

*.Grooming products and accessories
As your dog begins to settle into their new surroundings, this will give you a clearer indication as to what optional supplies you need to purchase.

A COMFORTABLE LIVING SPACE

It’s only natural that your dog will arrive home and explore its new home. Before your puppy or dog is brought back, you need to make some small amendments to your living space first.

The home and the garden can be dangerous for inquisitive dogs. So, to avoid injury, ensure your items remain intact, and to stop the dog entering or exiting areas of the home that it shouldn’t.

BASIC HOUSETRAINING STEPS

After making the above alterations in the home, your dog will now be ready to familiarise themselves with their new surroundings. At this stage, it’s important to provide leadership so that the dog can comfortably adjust.
On first arrival, walk your dog around the garden on a leash. This will allow them to take in the smells associated with their new home. Pick a spot for your dog to relive themselves so that they also associate this area with this action.

It might take a while for this to happen, so be patient. Always praise your dog for completing a desired action through positive praise and treats. Remember that they have a lot to learn, so rewarding them early on will make them learn good traits for the future.

MEETING OTHER PEOPLE

Always give your dog time to settle in before you invite people over to say hello. The initial learning stage is hugely important and the dog needs time to learn without multiple distractions.
When you are introducing friends and family, keep thedog on a leash for extra control. Have a handful of treats ready to reward them for good behaviour too.

Remember that your dog can detect if your guests are nervous, so they also need to feel relaxed in this situation. Your dog is also likely to smell and sniff any visitors that enter your property.

Growling, barking and jumping are common behaviours, but you should always teach your dog not to jump on guests when they arrive. Using the command “off” from an early age will steer them away from bad habits.

With control and training, most dogs will learn to feel comfortable around others and enjoy meeting new people.

DOGS AND CHILDREN

First and foremost, never leave children alone with your dog. Teach your children, as well as those entering your home that they should never:

*.Scream or run towards your dog

*.Harass or mistreat them

*.Be forceful, aggressive, or play rough with them

*.Encourage play biting

A dog’s natural defence when threatened will be to growl, nip and bite to show that they are afraid. Therefore, be extremely cautious when dogs and children are in the same premises.
If the above guidelines are carried out your dog should be able to acclimatise to having younger children around them.

INJECTIONS AND VACCINATIONS

If you’ve bought your dog from a registered breeder, there’s a possibility that they would have already been given the required vaccinations. It’s best to check with them first and if not, speak to your vet straight away.

Getting your dog vaccinated will give you peace of mind and prevent your dog from becoming seriously unwell. In addition, while also keepingthem immune, you will be protecting the spread of infection to other animals too.
Vaccines can protect your dog against the following:

*Canine distemper

*.Canine parvovirus

*.Infectious canine hepatitis

*.Kennel cough

*.Leptospirosis
FOOD AND DIET

In order for your pet to live a healthy life, a decent doggy diet is essential.

Puppy Diet

As puppies grow quickly, they need a separate diet compared to adult dogs. It’s advised to use formulated growth food initially. This can be given to your puppy at regular intervals during the day to aid their development. Startby feeding your puppy four meals a day and reduce thisto three meals when they are four to six months old. After this period, two mealsa day will suffice.



A Mature Dog’s Diet

It’s advised to choose established dog food brands, as bargain food can cost you more in the long run. An established and renowned brand that uses high quality ingredients and fewer preservatives is the best option. This will help to avoid any allergies and offer the nutrients your dog needs. Always check the packaging to see what ingredients are contained.

Dry foods can help to keep a dog’s teeth clean and incorporating fresh vegetables into their diet will provide extra nutrients.

Just like puppies, always make sure that your dog has access to fresh drinking water and stick to scheduled feeding times. Always wash food and water bowls before each meal too, as this will prevent the spread of germs.

AND FINALLY

All that’s left to say now is best of luck with training and looking after your dog. Remember that you are the one to make a difference by acting as the leader, which a dog will need when settling into their new surroundings.

Healthy Pets

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Hair Loss in Children

H​air loss, or alopecia, isn’t just a problem for adults. Hair loss in children is responsible for an estimated 3% of pediatric office visits in the U.S. Whether your child has thinning hair or distinct bald spots, the loss of hair can be frightening. The good news is that, with a proper diagnosis, most cases of hair loss can be treated successfully.

Medical Causes of Hair Loss in Children

For the majority of children 26 months or older suffering hair loss, one of the following conditions isthe cause. Your child’s pediatrician or a pediatric dermatologist should be able to diagnose these conditions and prescribe the appropriate treatment. Tinea capitis, commonly known as ringworm of the scalp, is a fungal infection often seen in children. It can show up in a number of ways, but often as scaly patches of hair loss on the head. The patches are usually round or oval. The hairs may be broken off at the surface of the skin and look like black dots on the scalp.

If your child’s doctor suspects tinea capitis, a microscopic examination can confirm the diagnosis. Treatment usually involves an oral anti-fungal, such as grise of ulvin taken by mouth for eight weeks. Your child should also use an anti-fungal shampoo such as selenium sulfide or ketoconazole to decrease shedding of the fungus. Because ring worm is contagious, your child should be careful not to share any objects that touch the head such as hats, pillow cases, hair clippers, or brushes.

Alopecia Areata.

Alopecia areata is a non-contagious condition of hair loss thought to be caused by the body’s immune system attacking the hair follicles. It is characterized by the sudden appearance of round or oval patches of hair loss. The patches are slick or smooth, without scaling or broken hairs. About 25% of children also have pitting and ridging of the nails.
While there is no cure for alopecia areata, treatment can control the disease in some children. Many have their hair back within a year, although regrowth is unpredictable and many will lose hair again. For about 5% of children the disease progresses to alopecia total is — loss of all of the hair on the scalp. Some of these will develop alopecia universal is — a total loss of body hair. Trichotillomania (the habit of twisting or pulling hair out), Onset of this disorder tends to begin around the onset of puberty and usually continues through adulthood. Due to the constant extraction of the hair roots, permanent hair loss can occur.

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Types Of Health Insurance You Can Choose From

​It’s no secret that health care is expensive today, without insurance many families would be one health setback away from financial ruin. Regularly paying a set premium for health coverage assures that money will be available to defray the cost of everything from routine checkups to catastrophic medical bills, there is also an increased emphasis on the role of consumers in managing their own health care and health care finances. There is now a focus on providing information on the cost of care and health care quality—at the level of the physician, physician group, and hospital—to help consumers and employers choose among the many options available to them.

Before you choose a health insurance there are fews important things you must know-

“What Are Copayments,Deductibles And Coinsurance – And How Do They Differ From One Another?”

A “copayment” or “copay” is a specific dollar amount that you may have to pay for an office visit or a prescription drug.
A “deductible” is a dollar amount that you may be required to pay out-of-pocket each year before the health insurance company pays medical bills for some covered services. Plans may have separate individual and family deductibles and/or deductibles for separate services such as hospitalization.

Coinsurance” usually describes the percentage of a total bill that you may have to pay for certain services.

First, keep in mind that not every plan has a deductible or coinsurance – though many high quality plans do. Lastly, keep in mind that some plans have more than one deductible. For example, a health insurance plan may have a standard deductible that applies to most medical services and a prescription drug deductible thatonly applies to prescription drugs.

Major Types of Health Plans

Most health insurance plans fall into one of three categories. In order to choose the best plan for you and your family, you should understand the difference between these major types.

Health Maintenance Organization (HMO) HMOs have a network of providers that you must use in order to be covered and not pay additional costs. If you have doctors or another provider that you use now, you should be sure they are in the network before you enroll in the HMO. Also, an HMO’s network of providers are located within the HMO’s “service area.” If any family members you want to cover do notlive in the service area, an HMO may not be a good choice for you.
Preferred Provider Plan (PPP)

PPPs also have a network of providers, but (unlike an HMO) will cover and pay for services for out-of-network providers. The benefits are usually greater for the network providers. If your usual providers are in the network, but you want to have the option to go to other providers, a PPP may be a good choice.

Major Medical or Indemnity Plans

These plans cover services with any licensed health provider. This may be a good plan if you have family members outside the HMO’s or PPP’s service area, or if your providers are not in the network.  Indemnity insurance is often calledfee-for-serviceor traditional health insurance. This type of coverage generally assumes that the medical provider (usually a doctor or hospital) will be paid a fee for each service provided to the patient—that is, you or a family member covered under the policy. With fee-for-service insurance, you go to the doctor of your choice, and you submit aclaim to the insurance company for reimbursement. Often, your doctor or hospital will submit the claim for you. You will only be reimbursed for “covered” medical expenses; that is, the covered services listed in your plan’s benefits summary.

 

Remember when comparing different plans, put your family’s medical needs under the microscope. Look at the amount and type of treatment you’ve received in the past. Though it’s impossible to predict every medical expense, being aware of trends can help you make an informed decision.

Checkout…. Tips And Questions That Will Help You Choose The Right Health Insurance plans

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How To Choose The Right Health Insurance Plan

​Today health insurance as become the leading sortout insurance for individuals, families and small businesses. “Over the past year, consumers has struggle to understand what health care reform means for them, they also continue to ask basic questions like ‘what is the best plan for them?’ or ‘how does a deductible work?’ so it’s important to understand the health insurance basics if you really want to find the right plan for your needs.”

Choosing a health plan can be confusing, but choosing the right plan for your needs is important-know what kind of coverage you need. Look carefully at what the plan covers and what it doesn’t cover (exclusions or limitations) and compare benefits.

Things To Consider Before Shopping For Health insurance

* Find out about the dollar limits on how much you’ll pay for health care services you receive (out-of-pocket maximums).

* Look carefully at policies with bargain-priced premiums – they might turn out to be too limited to be useful for you.

* Understand how the claims process works, how your providers get paid and what portion you have to pay.

* Ask if your providers are in the insurance company’s network.Ask if your medications are covered and their costs.

Why Do you Need  Health Insurance?

 

Everyone’s life is different. But no one is immune to illness and injury. That’s why there’s health insurance.   You need health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.

What If You Are Insured Through Your Job

Most people get health insurance through an employer. If you’re one of them, you won’t need to use the government insurance exchanges, or marketplaces. Essentially, your work is your marketplace. If your employer offers health insurance and you still wish to search for an alternative plan in the exchanges, you can. But plans in the marketplace are likely to cost a lot more. Most employers that provide insurance pay a portion of workers’ premiums, so they’ll likely offer the least expensive option.
If your job doesn’t provide a health insurance benefit, you can purchase through a private exchange or directly from an insurer- insurance marketplace in your state. Many private health insurance may not eligible you for premium subsidies, which are income-based discounts unlike your employer. A good approach is to get a plan that balances the lowest out-of-pocket expenses with a monthly payment you can afford. That could be the right plan for you, a subsidy can help make your health insurance more affordable. When you’re shopping for plans, you’ll be able tosee if you qualify for lower costs.

 and You Leave?

If you leave a job where you have had employer-sponsored health insurance, you will want to ensure that you have continued protection against the high costs of health care. Whether you leave the job on your own or you are forced to leave, there is a Federal law that may help you to maintain coverage. In united state Under the Consolidated Omnibus Budget Reconciliation Act of 1985 (commonly known as COBRA), group health plans sponsored by employers with 20 or more employees are required to offer continued coverage for you and your family for 18 months after you leave the job.

Some States have laws similar to COBRA that apply to employers with fewer than 20 employees. To find out if this applies in your State, contact your State Insurance Commissioner. If you open your own business and become self-employed, you may be able to obtain health insurance through a trade or professional association.

In America going without insurance could bring a tax penalty. For 2014, that penalty is 1 percent of your annual income or $95, whichever is higher, and $47.50 for each uninsured child, to a family cap of $285.

Checkout….. The Best Healthinsurance Plans That Fit Your Health Care Needs And Your Budget.

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Tips To Know And Questions To Ask When Choosing Any Health insurance Company

Buying a medical insurance plan should involve some consideration on your part when it comes to the plan features and coverage options. Blindly buying a plan because your friend bought that too or your agent asked you to. Do we conduct any research and go through the checklist of health insurance FAQ when buying a policy or do we settle on whatever the agent pitches us?

Handy list of health insurance FAQ:

QWhich are the network hospitals in your vicinity?

To avail a cashless settlement of your claim, you should be admitted in a network hospital. A company has a list of such hospitals and you need to find out whether the hospital in the company’s network is your preferred choice of hospital and/or located in your area.

Q – Is my policy valid Anywhere within the state?  

 This is a one of the most important health insurance questions to be considered because medical emergencies may arise anywhere. Usually, health plans cover treatments anywhere in India but you should make sure of this clause. Find out whether the claim settlement in your policy has any geographical limitations or not. There are some medical insurance plans that offer international coverage too.

Q – Will I get covered for my pre-existing illnesses?

Every insurer excludes coverage on the pre-existing illnesses for certain tenure at the starting of the policy. You need to find out what this waiting period for your pre-existing illness is and how soon can you be covered for your pre-existing illnesses. Basically, you need to understand whether your pre exiting condition is temporarily not covered or is it completely excluded from the scope of coverage.

Q – Whom do I call at the time of an emergency hospitalization?

An emergency situation involves a lot of stress and you don’t need the additional burden of finding out the claim settlement process. If your policy facilitates cashless settlement of claims, find out the policy of emergency hospitalization. Ask about the documentation and, most importantly, whom to contact at the time of such emergency hospitalization. Good brokers have a customer service desk or a specifically appointed representative who would help at the time of claim.

Q –What to do if I am admitted in a non-network hospital?

In an emergency situation, you might beadmitted in a non-network hospital and knowing the claim protocol at that timeis imperative. Always remember that treatment in a non-network hospital would be on a reimbursement basis only where you would have to shoulder the medical bills and then get them reimbursed from your insurer. So find out the reimbursement process, the documents required in this case, and the deadline for informing the insurance company, etc. for this situation.

Q — How long do I need to keep this health insurance policy? What if I don’t need it for very long?

Unlike employer-sponsored health insurance plans that might lock you into your coverage for a year, individual and family plans that you buy on your own can be cancelled at any time. You’ll typically pay for your coverage on a month-to-month basis. When you want to discontinue your coverage, contact your licensed agent or the insurance company directly.

Q — Can I buy a health insurance policy from one state and use it in another?

“Health insurance is regulated on a state-by-state basis and each state has its own health insurance market. Buying health insurance across state lines is not allowed at present – and the fact is that it wouldn’t make much sense to do so. Health insurance companies negotiate with doctors and hospitals in their state or local area to secure discounted priceson medical services for their members. That’s one of the basic benefits of health insurance. However, health insurance companies do not typically negotiate discounted rates with health care providers outside of their state. As a result,if you were to buy a plan in one state and use it in another, you would probably have to pay morefor your medical care than if you bought a health insurance policy for your own state.

Tips To Know on Health Insurance

* If you’re under age 26 and your parents are agreeable, you can stay enrolled in your family’s health insurance plan. A lot of young people do this, andif you live close to home and have access to network doctors, it may be your most affordable option.

* Choose plans that provide coverage for prescription drugs, which drugs are covered can vary significantly from one plan to another..Some health plans place different drugs in different coverage tiers, while others may excludecoverage for one drug butextend coverage for a second one when both are used to treat the same condition. If you’re someone who uses prescription drugs on a regular basis, you can potentially save a lot of money by knowing which plans will cover your personal prescription drug needs at the highest level.

* You should always double check whether or not a doctor accepts a particular coverage before you enroll. If you end up going to a doctor, who is outside of your provider network it can cost you substantially more than if that doctor was in your plans network. To verify coverage, don’t just simply call the doctor’s office, and assume they’re in your provider network if they say that they “accept” your plan. It’s always a good idea to confirm the doctors network status with a licensed agent or the insurance carrier.

If you are unsure about the insurance company you are dealing with, STOP before signing any paperwork or writing a check; CALL your state insurance department – easily reached by phone; and CONFIRM the company or agent offering insurance is legitimate and licensed in the state.

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Prevention,Symptoms and Treatment Of The Zika Virus

Symptoms Of Zika Virus

Most people who get the virus do not get sick. One in five people do get the symptoms, which can include a fever, rash, joint pain and conjunctivitis (pinkeye). Symptoms are usually mild and  start 2 to 7 days after being bitten by an infected mosquito.

Most people find it difficult to notice if they are infected because they might be infected and treated without knowing, we called them Carriers. Carriers are person who can resist the disease although they are infected with the parasites. The mosquito spreads the disease by feeding on blood of an infected person.

Some of the nematode larvae live with the victims blood to the new victim. Adults infected with zika virus can develop a number of serious neurological conditions. Until now, the most troubling zika- related illness in adults has been Guillain-Barre syndrome, which causes muscle weakness and paralysis. Other neurological conditions include Inflammation and Swelling of the brain and Spinal cord.

Most people infected with zika will only have mild symptoms like

* Fever

* Headache

* Weakness and common cold

A blood or urine test can tell whether you have the infection.

Zika Effects On Pregnant Women

Zika virus can cause Microcephaly ( a serious both defect of the brain) and other problems in babies whose mother were infected. Some finding showed that birth defect could occur even in women who had no symptoms of zika infection. Zika virus can cause many defect in pregnancy which include- Vision problems, brain abnormalities, and other devastating consequences of brain damage.

Some babies have seizure, which other have little or no control over their limbs. Other do find feeding difficulty and trouble swallowing or breathing while eating.

And their are babies who cry constantly and are often inconsolable, no matter what their caregiver does to smooth them. Some babies maybe born with a normal head size, but may have underlying brain abnormalities, experience slow head growth and hearing issues.

Mode Of Transmittion

Zika can be spread from to person through sexual intercourse or blood transmission. Researchers conducted that casual contact such as kissing or sharing eating utensils is not enough for zika to move from one host to another. After infection, the virus remains in blood and saliva for a few weeks. And it remains in bodily fluids like breast milk for weeks and semen for months, the researchers said. It’s been unclear whether the saliva of an infected person poses a threat to other. The make-up of saliva maybe the main reason why zika can’t move from one person to person.

Here’s what you need to know BEFORE, DURING, and AFTER visiting to keep yourself and your family safe!

 

When traveling to visit friends or family, think about possible healthrisks during your trip. If Zika is in the area you are visiting, protect yourself and loved ones from mosquito bites and sexual transmission of Zika.

Zika can be passed from a pregnant woman to her fetus and can cause birth defects.

Follow these recommendation to protect your pregnancy:

*.If you are pregnant, do not visit areas with Zika. Learn how to protect yourself from Zika.

*Talk to your doctor about your travel plans if you are planning  getting pregnant in the near future.

*. It’s recommends waiting to get pregnant before traveling to an area with Zika. For time frames for both men and women.


What to take with you when traveling

* Clothing that will protect you from mosquito bites: long-sleeved shirts and long pants.

*.Clothing and gear (boots, pants, socks, and tents) sprayed with permethrin to help protect you from mosquito bites.

*.Enough insect repellent to last your entire trip for everyone whois traveling. It might be difficult to find the right kind to keep you safe when you’re away from home.

*.Bed net, if you might be sleeping in a room that is not well screened or air conditioned.

*.Condoms to protect yourself and your partner since Zika can be spread through sex.


Prevention Of  Zika

*.Protect yourself from mosquito bites.

*.Cover exposed skin with long sleeves and long pants.

*.Wear permethrin-treated wears and gear

*.Follow the instructions on the label.

*.If you are also using sunscreen, apply sunscreen first and insect repellent second.

*.Keep mosquitoes outside.

*.Stay and sleep in screened-in and air-conditioned rooms when possible.

*.Mosquito netting can be used to cover babies younger than 2months old in carriers, strollers, or cribs to protect them from mosquito bites.

NOTE: Zika virus can be found in a person’s blood after they return from their trip. If a mosquito bites that person then it can spread the virus to other people.

So it best to go for a medical checkup to see if you aren’t infected with the virus during your trip.

Please feel free to comment on this article, let me know what you think. Don’t forget to share.

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