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Mosquito-borne diseases has threaten World

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Non-Obamacare Short Term Health Plans On The Rise

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American’s are looking for lower cost alternatives when it comes to their healthcare needs. Those who do not need a huge demand for medical services to be covered have other options. Even those with some medical requirements on a monthly or quarterly basis are OK with little less coverage if they are saving enough on premiums. The good news is alternative plans are here, and they will continue to grow in demand as 2018 continues.

The Trump Administration signed off on an executive order in the fall of 2017 requiring that short-term health care plans be extended from the current 90-day restriction to the full 365 days as it once was. These types of policies are not there to replace the ACA plans, but to provide individuals and families with more choices for their healthcare needs.

This is great news for millions of Americans who do not qualify for the federal health subsidies and really cannot afford the premiums for the ACA plans. By freeing up some of their hard-earned dollars, they can put it back into the economy, retirement, college or whatever they need.

Short-term plans are non-ACA qualified health plans that are not required to cover preexisting conditions or certain ACA (Obamacare) mandated Essential Health Benefits (EHB), that are covered by ACA-qualified plans.

These benefits include:

  • Maternity and newborn care
  • Mental health and substance use disorder services
  • Specific preventive care benefits such as routine exams, mammograms, cancer screenings, etc
  • Pediatric services (oral care and vision)
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The short-term plans are a great option without the above coverages in the policy. Insurance is supposed to be for sudden, expensive things that you usually could not afford on your own. Look at your homeowners and auto insurance. They provide coverage for the unforeseen, costly risks that you cannot afford to take on yourself. The short-term medical plans do just that.

The short-term medical plan extension from the current 90-day maximum to 365-day maximum takes effect May 1st. After that date, you can apply with an insurance company that offers the short-term plan that does not have the 90-day maximum limit.

One other drawback for 2018 is the individual mandate. The short-term medical plan is not an ACA-compliant plan according to the IRS and will be subject to the tax penalty when you file your taxes in 2018. There are other ways around this. You will need to seek out a professional in the field to get more information. For the tax year 2019, this tax penalty goes away.

Arthur “Butch” Zemar is a 2014 Broker of the Year Finalist, an insurance specialist, author. Butch Zemar is actively developing informative resources, such as articles and videos that deliver vital information on healthcare reform and employer options. Butch Zemar has consultative packages for employers, as well as insurance solutions, to keep employers compliant with healthcare reform and keep skyrocketing premiums under control. For more information please visit http://www.ButchZemar.com

Article Source: http://EzineArticles.com/9902732

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Health Insurance: Why It Is Important

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In case you don’t know, health insurance is a type of assurance that is given based on agreed terms in case the insured person falls sick or needs medical treatment. The insured life may have a chronic condition requiring medical care for years to come. Let’s know more about it.

Who will pay for the medical expenses?

This is one of the most common questions that people ask. If you have a health insurance, you can have the peace of mind that your health will be taken care of. Actually, it is a type of agreement or contract between you (policyholder) and the company providing health insurance. The purpose of the agreement or contract is to provide protection against costs. At times, the costs are so high that the sick person is unable to pay the bills. As a result, the person is unable to get the care he needs to recover.

While you will pay a monthly or annual premium, you should expect that the amount of premium you are going to pay would be far less than the amount you would pay in case of illness.

Keep in mind that health insurance is a type of benefit that a non-profit organization, private business or a government agency provides. In order to figure out the cost, the company gets an estimate of the collective medical cost of all of the people in the state. Then the risk is divided among the policy subscribers.

As far as the concept goes, the insurer knows that one person may suffer from huge unexpected health care expenses while the other person may incur no expenses at all. So, the expense is spread across a large group of people in an effort to make the health insurance much more affordable for all the insured lives.

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Aside from this, public plans are funded by the government. Therefore, they offer extra health insurance to the vulnerable groups like people with disabilities and seniors.

Let’s take an example to understand the concept better. A person with Cerebral Palsy needs special treatment through their lifespan. It’s understood that a chronic illness costs a lot more money than a standard care. Cerebral Palsy may result in a physical impairment that may last for the whole life of the sufferer.

The treatment for this condition may require regular doctor visits, many therapies and long hospital stays. Based on the degree of impairment, you may need special health insurance. Many health care professionals will involve, such as vocational therapists, occupational therapists, physical therapists, orthopedic surgeons, radiologists, pediatrician, neurologists and so on.

Some patients may need the services of more than one. Some may even need a speech pathologist, registered dietician, cosmetic dentists or urologist, to name a few.

So, the coverage offered can help you get some relief as far as the burden of the expenses is concerned. If you don’t sign up, you may suffer from a lot of financial strain and you may need help from other sources like charity organizations and community groups. Therefore, it’s a good idea to benefit from a health insurance.

It’s a good idea to sign up for a health insurance. If you want a good plan, you can check out Mutual of Omaha Medicare Supplement Plan G.

 

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Nigeria bans production & importation of codeine containing syrups

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The Federal Ministry of Health has directed the National Agency for Food and Drug Administration and Control (NAFDAC) to ban with immediate effect further issuance of permits for the importation of codeine as active pharmaceutical ingredient for cough preparations.

The Minister of Health, Professor Isaac Adewole made this known in his office in Abuja on Tuesday, May 1, 2018.

He said that the directive became necessary due to the gross abuse codeine usage has been subjected to in the country, especially in Northern Nigeria.

In its stead, the minister said codeine containing cough syrups should be replaced with dextromethorphan which is less addictive.

He also directed the Pharmaceutical Council of Nigeria, (PCN) and NAFDAC to supervise the recall for labelling and audit trailing of all codeine containing cough syrups in the country, while he has also banned sales of Codeine containing cough syrup without prescription across the country.

He noted that the National Agency for Food and Drug Administration and Control had an emergency meeting with the Pharmaceutical Manufacturers Group (PMGMAN) to inform them that there is an embargo on all new applications for registration of codeine- containing cough syrups as well as applications for renewal has been abolished.

The PCN has been directed to continue enforcement activities on pharmacies, patent and proprietary medicine vendors’ shops and outlets throughout the country.

Details to follow…

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