Dipping into your State Health Insurance Pool – What Are The Requirements?

State health insurance is a branch of health insurance that is for high-risk individuals with chronic and/or pre-existing conditions. Most common diseases to see on this type of insurance are HIV, AIDS, kidney disease, obesity, and diabetes. This high-risk pool is designed to act as a safety net to offer some form of insurance to these people but for a hefty premium. This program has fewer participants due to the cost. This plan is not low-income friendly. Rates can be as much as double what the normal market value for health insurance is. The pool does tend to offer better benefits but is definitely geared to those people that truly afford insurance. So, most people who fall under this category and require this type of plan are likely to be uninsured due to not being able to afford a plan. This plan is last resort for persons with such illnesses that land them for emergency or hospital care frequently, and it that case pays for itself quickly. Some of the few persons who cannot afford this are lucky enough to have a spouse in the work place that is able to add them to their policy from their employer, these plans cannot discriminate due to chronic or long-term illnesses. The State Health Insurance Pool knows its rates are high, and claims so are medical costs for the chronically ill. They have to charge more to be able to get ahead and stay afloat.

Most risk pools are nonprofit associations ran by the state. Usually they do not use taxes to operate their business. Most persons requiring this type of service usually are filling up the gap in cost of what their normal plan won’t cover or is a temporary pit stop till they can find a plan that accepts them at a lower cost. The people who qualify for this type of coverage must be a resident of the state they are applying in. Most states require you live there for at least six months and some up to one full year before reaching residency status. You also need one of several possible documents from other insurance companies. You will need proof of rejection from at least one company denying them benefits similar to the ones being asked for. You can use proof of insurance with a higher premium as well. You may also be eligible if you can show proof of insurance with a rider or rated policy. Any of the above mentioned could get you approved to apply for the risk pool in the state you reside in. A reciprocity agreement is when a person who is eligible for the plan and is currently on a similar plan, met the waiting period quota, and not used up the lifetime maximum benefits can still be eligible if they move to another state after they meet the residency requirement. Not all states, but most, have this agreement included into their plan.

There is a list of those who are not eligible in the high-risk pool besides non-residents. You are no longer eligible if you move to another state but if you have a reciprocity agreement, you can become eligible in the state you now reside after residency has been established. Most people who are eligible or receive Medicaid or Medicare are also not eligible. Many states do have a high-risk plan for Medicare eligible persons, but if you receive or could receive Medicaid than you don’t qualify. If a person has terminated their coverage in another plan and less than 132 months have passed they are not eligible for the pool till that time is up. Those who have used their maximum lifetime benefits for their plan are also not qualifying. Inmates of a public institution are also not eligible for the risk pool. Other specific exclusions can include state decided specific diseases or medical conditions that they just don’t want to cover. An enrollment cap may also be in affect so only a specific amount of persons may be actively enrolled at any given point of time. All other applicants who are eligible will be placed on a waiting list till there is an opening. There seem to be a higher list of those who don’t qualify then who do for this high-risk benefit that costs an arm and a leg anyway.

A Colon Detox Can Improve Your Colon Health

A healthy colon is a vital part of a healthy body. The colon, along with the small and large intestines, are a major area where the nutrients in food are absorbed. If the colon is not clean, it cannot fulfill this important task. Not only that, the impacted fecal material that builds up in the colon and intestines releases toxins into the bloodstream. You are in effect getting toxins instead of nutrients – not a very good trade.

Symptoms that a colon detoxification might be in order include tiredness, PMS, headaches, and of course, constipation. There are a variety of ways colon cleansing can be done, including colonic irrigation, enemas, dietary fiber, and laxative herbs. These methods can help, but each has negative points.

Another natural option for colon health is to use an oxygen based colon cleanser. This method uses magnesium oxide that has been treated with oxygen and ozone. This substance will react with the hydrochloric acid in the stomach to release oxygen. The oxygen gets into the bloodstream to nourish all parts of the body, but it does more than that. It also nourishes the favorable bacteria that live in the digestive tract.

Unfavorable bacteria in the digestive tract will give you vomiting, diarrhea, and cramps. Favorable bacteria compete with the unfavorable ones for living space. An oxygen based colon detox will encourage those good microbes, for better all around health. So how exactly does it work?

An oxygen based colon health product creates a chemical reaction that releases oxygen and melts the impacted material in the intestines and colon into gas and liquid. It will make you need to stay close to a bathroom for a day or so while you eliminate the material from your colon, but you will feel much better afterwards.

Look for an oxygen based colon detox product that is available in a capsule form. Make sure it does not include ascorbic acid among the ingredients because ascorbic acid is an antioxidant. An antioxidant will undo the good that could be done by the oxygen. A good ingredient to look for, however, is GE-132. This is the germanium-132, which is good for the health of the immune system. It also facilitates and adds oxygen. It is considered to be a nutrient that is helpful for many ailments.

Cleansing the colon can help with weight loss. Many people who have eaten an average diet for years have accumulated ten to twenty pounds of impacted fecal matter in their colons. An oxygen based colon cleanse will help the body eliminate this material, resulting in a quick loss to jump start your weight loss plan. Follow up the cleanse with reasonable portions of healthy natural food. You should have enough energy after the cleanse to start an exercise program,

Campaign Helps Uninsured Kids Get Health Care Coverage Millions Of Children

Millions of children will head back to school this Fall without one of the most important of all school supplies–health insurance.

More than 8 million children in the United States are uninsured-that means one in every 10 kids might not receive the medical care they need, when they need it, because they don’t have insurance. In fact, uninsured children are 10 times more likely than insured children to miss out on needed care. Even when uninsured children do get some medical care, they often miss out on vital medical screenings and preventive care or seeing a doctor when they are sick.

To help these students start the school year off right, the Covering Kids & Families Back-to-School campaign, sponsored by the Robert Wood Johnson Foundation, is making sure that parents, grandparents and teachers of uninsured children know that low-cost or free health care coverage is available. Many uninsured children are eligible through Medicaid or the State Children’s Health Insurance Program (SCHIP).

These programs cover doctor visits, prescriptions, hospitalizations and more. That means parents can put ‘getting coverage for our kids’ at the top of their back-to-school checklists.

“As a physician and mother, I have seen first hand that children who have health care coverage are better prepared to learn in school and better equipped to succeed in life,” says Risa Lavizzo-Mourey, M.D., M.B.A., president and CEO of the Robert Wood Johnson Foundation. “Uninsured children are less likely to receive proper medical care for childhood illnesses such as sore throats, earaches and asthma-all of which can become very serious without treatment. These children are the future of our country and we need to make sure that they get the care they need.”

Although these programs are in every state and the District of Columbia, many parents may not believe their kids are eligible. Because these parents are working, they may think they earn too much to qualify. Children in a family earning up to $40,000 a year or more may qualify for Medicaid and SCHIP. Eligibility is based on family size and income.

“Medicaid and the State Children’s Health Insurance Program have provided millions of children with low-cost or free health care coverage, but there are millions more who are still eligible,” said Sarah Shuptrine, national program director of Covering Kids & Families. “Many people still do not know about these programs, and parents in working families might assume their children would not qualify. Anyone can help get eligible kids covered. Grandparents can play an important role and are encouraged to find out about these public health coverage programs.