What You Need To Know About Health Insurance Benefits

When evaluating potential job offers, health insurance benefits are most likely one of the first issues you inquire about, second only to salary. Indeed, if you have a large family or a history of medical problems, this may be the first thing you ask about.

Of course, health insurance benefits will vary by health insurance plan, so if you are unsure about any aspect of your health insurance options, it's important to get help from either your Human Resources department at work or a health insurance broker if self-employed or unemployed. It's easy to make the mistake of assuming that features or benefits exist when they don't. If your assumptions are wrong, you could be left facing insurmountable medical bills. This is especially true for low cost, cheap health insurance.

In a perfect world, all individual or family health plans would pay for every health issue that may arisepregnancy, blood transfusions, sick and well care, minor and major surgery, hospital stays, etc. But the truth is health insurance benefits typically are limited and they seldom will cover 100% of the costs, which is why it's so important to read the policy's fine print. You've got to know exactly what is and is not actually covered.

The majority of valid health insurance policies provide a minimum level of coverage that typically includes major medical expenses such as hospitalization and emergency/urgent medical care. Some of the most sought after additional benefits include annual physical exams, referrals to and treatment by specialists as needed, hospitalization and emergency care, prescription drug coverage, laboratory work including blood testing and x-rays, maternity benefits, prenatal and well-baby visits, vision benefits, and dental care.

Health insurance benefits less commonly include mental health care and treatment, rehabilitation services for drug and alcohol abuse, home health care, hospice care, physical therapy, and chiropractic care.

One thing to keep in mind as you evaluate various health insurance benefits is that the primary purpose of any health insurance policy is to protect you from a major financial loss - not to protect you from spending "small" sums of money on office visits. These small expenses can be a burden, but they generally will not break you.

To conclude, with something as important as health insurance and the impact it can have on you and your family, be careful not to make any assumptions. Granted, a typical health insurance policy is not exactly a beach read, but in the long run it pays to have a clear understanding of your actual benefits. At a minimum, you need to have someone from your Human Resources department or your broker if you are purchasing your policy as an individual, go through and summarize each section of the plan. Again, this may not be your idea of a good time, but in the end it just may save you a bundle.

Jonathon James has been working in the health insurance industry for nearly twenty years. For additional tips and information about affordable health insurance, please be sure to visit http://LearningAboutHealthInsurance.com1 2 1
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Quick Question: Does God Advocate Murder?

It appears, scandalously enough, to be the question Islamic terrorism foists on us. Of course, there are times when a chancy question can diplomatically be allowed to slip by unanswered, especially by a humor magazine. But there are also times when, instead of slipping by, it just keeps putting itself in your face. On such occasions, apparently, the only way to deal with it for ourselves and our readers is to address it.

We became even more convinced of the necessity as we experienced another ineffably sad 9/11.

So here we go, back to Theology 101.

Do does God advocate murder? Even more scandalous, does God usher off to an eternal reward in heaven those who murder in his name?

First, lets get our definition of God in order. We can certainly all agree that He (She or They) is simply the ultimate source of us all. You can add your own details. The inference would still apply. A God with a credit like the ultimate source of us all would be very unlikely to endorse one group of us murdering any other group.

If you add to the definition the accolade God is great, the likelihood that He (She or They) would advocate murder only seems to diminish even further. After all, we do not consider, when widely workable values have a place, murder an attribute of greatness, which is one reason we do not consider mafia bosses who order it and then reward the perpetrators as great. We toss them in jail. And we certainly dont want to think of God as someone who should be locked up for murder.

Just to put a bow on the logical present we would like to ship off to Osama bin Laden, if we only knew his address, and to his planeloads of ill-fated dupes, we offer the following of all things? syllogism: God is great. Greatness, at least, as virtuous people understand it, does not include murder. Therefore, God does not advocate murder.

Now, lets take the other side of the argument for a moment to clarify our position: God is great. Greatness, as virtuous people understand it, includes murder. Therefore, God advocates murder.

We can say for our part, if the opposite side of the argument applies, we are then in the same riverboat with Mark Twain, who, when contemplating eternity, said, Heaven for climate; hell for society.

Speaking about eternity, lets deal with the second part of the question. Since we have determined that any God worthy of the name would not advocate murder, but would, as the ultimate source of all our lives, more likely abhor it, probably as the worst offense. So, within the traditional paradigm of reward and punishment in terms of upward or downward mobility, such a God would more likely have waiting for them, not an upwardly mobile reward, but a decidedly downward punishment.

We have now done what we can to address the outrageous terrorist platform of God misconstrued as advocating and rewarding murder and hope we have helped slip the platform out from under at least some of its mistaken proponents, so that they might awaken as they topple and spare their own lives and the lives of the people they might otherwise murder.

We may, we think, conclude with the assurance that, as it might grace a folk song, 9/11 and aint no terrorist in heaven.

Tom Attea, humorist and creator of http://NewsLaugh.com, has had six shows produced Off-Broadway. Critics have called his writing "delightfully funny," "witty," with "great humor and ebullience" and "good, genuine laughs." Cosmetic Surgery Texas
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