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Search for affordable health insurance

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Search for affordable health insurance

Many children in the United States are not covered by health insurance or are not subject to large deductions and limited benefit plans.

If your child belongs to these groups, don’t despair because you can’t pay enough, or the plan your employer finances doesn’t cover everything. There are programs that offer affordable (and free) healthcare, designed to meet or complement your personal health insurance needs.

This qualifies you to cover your child and you may not know it. Below are some of the options available to families.

Enroll your child in a public program

In all states, there are two public programs that work together to provide health insurance for low- and middle-income children. Medicaid and Tips (Children’s Health Insurance Program).

Medicaid is managed by each state that combines state and federal funding. It provides health insurance for people with limited income and covers both children and parents, pregnant women, people with disabilities, and the elderly. Also, if the child is a US citizen. If you are the United States or legally permitted immigrant, your child is eligible for compensation, even if you are not a parent.

CHIP is a government-controlled, federally funded program. Provides health insurance for American children under the age of 19 in a working family. Participation in this coverage is based on the income of the parents. CHIP programs often help families who have too much Medicaid income to afford health insurance.

Each state has different rules for CHIP. For example, some CHIP programs are targeted at pregnant women, parents, and caregivers who have family connections (such as grandparents raising their grandchildren). Each state has its own name for the CHIP and Children’s Medicaid program. For example, the Delaware CHIP program is called the Delaware Healthy Kids Program, and the Connecticut program is called the Husky Plan.

Visit InsureKidsNow.gov or HealthCare.gov to learn about the state’s CHIP and Medicaid programs and other services available to families. There you can register for CHIP or Medicaid. You can also call 1-877-KIDS NOW (1-877-543-7669) for information about the state’s CHIP program.

Eligibility for children to participate in these government programs depends on household income. Once your child is enrolled, you will receive a list of healthcare providers who accept Chip/Medicaid patients near your home. You can make an appointment with these providers every time your child needs to see a doctor and they will be covered even in an emergency.

Find a private insurance company

Most low- and middle-income children receive free or low-cost medical care through Medicaid and Tips. However, many private health insurance companies now offer similar benefits through patient protection and affordable medical legislation.

Visit the virtual market for health insurers at HealthCare.gov to see if your family is eligible to join the plan. This government site and service will help you apply for insurance and find programs available in your area. Simply fill out a registration form to compare the benefits of each of the Marketplace plans and compare your medical costs such as personal payments and deductions for caregiving.

Access to community health centers.

Another option to give your child low-cost medical care is to go to a federally funded community health center. You can take your child for regular health checkups, vaccinations, disease treatments, medical care, prescription medications, and mental health care.

You can also go to full care, such as pregnancy and drug use if needed

These centers often provide health care on various scales, depending on your income. It is available free of charge depending on the situation. These centers take out health insurance and generally accept it after registration.

To find a center near you, go to the Health Center page of the Department of Health and Human Services and enter the postal code in the search for a health center. For services, fees, and business hours, please make a reservation by calling from the website of the nearest center in advance. Some community clinics are open during limited days and hours.

Similar to federal-funded community health centers, rural health centers serve families in rural areas. Visit the Centers for Medicare & Medicaid Services website to find a center in the state.

Reduce prescription drug payments

Prescription drugs can leave your pockets empty, especially if your child is not enrolled in a public program like Medicaid or Chips. Here are the best ways to control the money you spend on medicine:

  • Find out if your child can take generic (non-brand) medications. These drugs often have the same active ingredients as brand name drugs but at a lower price.
  • Check if there is a commercially available replacement. Check with your doctor or pharmacist to see if there are over-the-counter versions of prescription drugs your child will take.
  • Compare prices at your local pharmacy. Call each pharmacy and ask about the price of your child’s prescription drug. Many small private pharmacies can negotiate the price of the drug.
  • Contact the pharmaceutical company that makes the medicine. All major pharmaceutical companies have prescription drug assistance numbers that you can call for help.
  • Watch out for free samples of prescription drugs (or coupons and discounts). It may sound appealing, but it’s generally an expensive medicated brand. There is no problem if the sample remains. However, many doctors prefer not to change their medication if it is affecting their patients. Therefore, you may be required to pay the full amount once the sample is completed. Before accepting the sample, talk to your doctor about whether you can buy the drug long-term. If you need a gift only for the sample period, please use the gift.
  • Contact your doctor if you do not have money to buy the medicine. Tell her your child’s medication is very expensive and that she needs a cheaper alternative. If there is no alternative, ask what you can do to reduce costs. Today it is not uncommon to look for this type of support. Physicians’ clinics are familiar with how to obtain medications and how to communicate with those who can obtain them.

Do you have special needs? Family contact voice

If your child has special needs, Family Voices, an organization founded to help families like you, can help you. The Family Information Center provides state contact information, support, and information about children’s health problems.

It also helps manage insurance and other matters, such as taking on the appeal process if a claim is rejected. The offices in each state are headed by parents who have children with special health care needs.

Know your health plan

Understand your health insurance before your child receives treatment. In this way, you will not be trapped during medical expenses that you cannot pay. If you know if your doctor is connected to the network, your eligibility, and what percentage of the cost you will pay, this is a good place to negotiate your bill using the system.

Go to the website of your health insurance company and log in to the insurance portal with your health insurance card number. There you will find a benefit plan that includes a list of network providers, deductions, coinsurance, and out-of-pocket. These tools help calculate treatment costs. If you have any questions, please contact your insurance company. Write down the name of the person you are talking to and the date of the conversation in case you have problems later.

Insurance companies cannot deny compensation for existing medical conditions or limit individual benefits. Also, you cannot set a lifetime limit on the amount of money spent on benefits.

HEALTH

The Difference Between Anti-Wrinkle Injections & Fillers

Umar Nisar

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The Difference Between Anti

Aging is a natural phenomenon that every human being has to go through. It is an inevitable process that pushes you into a new phase of life. However, the one factor of aging which no one is fond of is its effect on the skin.

As you age, your skin, which is the largest organ of the human body, undergoes a significant change. A few instances of these changes include sagging skin, wrinkles, and the loss of skin volume and elasticity.

Though you cannot stop aging, you can surely make aging look good on you by going for anti-aging treatments available in the market today. When it comes to anti-aging treatments, the most prominent treatment options are anti-wrinkle injections and fillers. They are the first choice of many seasoned dermatologists for two simple reasons- they are non-intrusive and involve no downtime for the patient.

However, this doesn’t mean that they are the same things as they both are used to tend to different aging problems. Before we dive into their differences, let us first understand them in detail:

Anti-wrinkle injections

Anti-wrinkle injections work their magic by relaxing the muscles of the face that are responsible for giving way to lines and wrinkles. When injected, the purified proteins in them stop the chemical signals from the nerves that are responsible for muscle contraction. With no movement of these muscles, the wrinkles are toned down and reduced.

They provide good results over a period of time and hence, are one of the most prominent anti-aging treatments in the world today. Here are a few more pointers about this treatment:

  • The results of this injection are short-term and last for about 3-4 months.
  • Regular touch up sessions are required to maintain the acquired results.

The use of these injections is not recommended if the patient has delicate facial muscles.

Fillers

Also referred to as dermal fillers, the primary objective of filler treatment is to revitalise the fullness and volume of the face. The most common applications of fillers are in punctured cheeks, hollows under the eyes, and in folds around the mouth.

These fillers mostly use hyaluronic acid, which is also naturally produced by our bodies. This acid aims to keep the skin hydrated and maintain its volume. However, with aging, the production of this acid reduces.

After the filler treatment, the skin gets revitalized with elasticity, hydration, and volume. Some more important facts about this treatment are:

  • The results of dermal fillers last for about 2 years or more.
  • Regular touch up sessions is only required after 2 years or more, as the case may be.

Now, since you know what these treatments are and what they do, let’s come on to the main question:

What is the difference between anti-wrinkle injections & fillers?

If you read about anti-wrinkle injections and fillers in the details above, you can effortlessly sort out the differences between these treatments. But the most straightforward way to spell out the difference between anti-wrinkle injections and fillers is:

The anti-wrinkle injections are used to relax muscles and reduce wrinkles, while fillers are used to restore skin volume and amplify features.

Other differences between anti-wrinkle injections & fillers include:

  • Anti-wrinkle injections use a purified form of protein, while fillers use hyaluronic acid.
  • The effects of anti-wrinkle injections last for 3 to 4 months, while the effects of fillers last for up to 2 years or more.
  • Anti-wrinkle injections require regular touch-ups, while filler injections don’t.

Whether you choose anti-wrinkle or filler injections, they both provide several benefits to their users. The effectiveness of both these treatments depends upon your dermatologist.

Get the best treatments for all your skin problems from the city’s best dermatologists to get your treatment done to ensure that your appearance is in good hands!

 

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HEALTH

How performing art theaters are surviving/bouncing back in a COVID-19 world?

Umar Nisar

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bouncing back in a COVID-19 world?

Art is the only lifeline that is keeping us sane in this COVID-19 pandemic. If we talk about the pre-coronavirus world, performing art theaters were blooming with smiles, laughs, and claps. Now, the entire scenario has changed.

However, the tough times are not here to last. While some theaters have made plans to bounce back after the restrictions have lifted, some performing art theaters have started virtual screenings to keep their audience entertained and engaged and this is just the tip of the iceberg.

Here’s how performing art theaters will survive and bounce back in a COVID-19 world:

#1. Operating at limited capacity

If we talk about theaters in general, most of them are planning to open their establishments at a limited capacity. Here is how they are planning to implement this- first, they’ll offer only 30% of the seats for sale, which after a period would be increased to 40-50%. However, they’ll not cross the 50% mark until the entire COVID-19 situation has calmed down significantly.

Operating at limited capacity would make things safer for both the audience and the employees. This is because social distancing norms would become easier to follow hence, reducing the chances of transmission drastically.

#2. Disinfecting auditoriums after every show

The one common thread that would run through every performing arts theater would be to disinfect auditoriums after every show. The audience needs assurance that when they visit theaters, they are in a safe place and the best way to do so is through regular disinfection of seats, floors, and of anything which comes in human contact.

#3. Setting up sanitization booths and electrostatic sprayers

The presence of sanitization booths and electrostatic sprayers can provide reassurance to everyone that the theatre is well-prepared to function amid the pandemic. Sanitization booths can be set-up at the entrances of the theater and the entrance of each auditorium.

Electrostatic sprayers can also enhance a theater’s level of preparation as these would ensure round-the-clock sanitization of the facility.

#4. Screening diverse films and acts

By screening diverse films and acts, theaters would become the beacon of entertainment for people coming from all walks of life. The lockdown, along with the restrictions, has made people feel cooped up in their houses. When the theaters would finally open their doors for business, there would be a sigh of relief from the audience as they would finally get to enjoy themselves by watching their favorite films and acts.

#5. Online booking of tickets & food

Most of the theaters would take their ticket-booking system online. This would ensure that there is zero contact between the employees and the audience. Apart from the online booking of tickets, some theaters are also planning to launch contactless ticketing.

Food will now have to be booked while reserving your tickets. Thus, there will be no long queues at the food court and no refills of drinks. This measure would further help the cause of limiting human contact.

#6. Getting the audience hooked on virtual screenings

Amid this global pandemic, many theaters have resorted to the option of virtual screening, and why not? Theaters have found a viable way to keep themselves functioning as well as keeping their audience engaged and entertained. Several famous theaters are running virtual screenings of renowned films and acts. So, if you are tired of binge-watching Netflix, you can opt for these virtual screenings to replenish your mind!

By following all these precautions and generating creative ways of screening performances, this is how performing art theaters can survive and bounce back in a COVID-19 world!

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HEALTH

Effective Weight Loss Strategies for Long-term Success

Umar Nisar

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Weight Loss Strategies

Did you know that by the end of 2020, there will be nearly 2 billion overweight adults in the world? With a third of the world population growing obese, the question that arises is – what is the most efficient way to control obesity?

Many people believe that trendy workout plans, diet pills, and superfoods are the right way to lose weight.  However, while all of these solutions might deliver short-term results, they will not treat the condition from its core. The best way to lose and maintain a healthy weight is to follow an effective weight loss strategy.

This brings us to the next question- what is an effective weight loss strategy that can give results in the long-term?

Well, an effective weight loss strategy is one that involves an alignment of your heart, mind, and soul. Keeping this in mind, we have prepared the perfectly balanced weight loss strategy for you.

#1. Keep a check on your portion sizes

For those of you who don’t know what portion sizes are, they are the amount of food you choose to eat.  So, when we say keep a check on your portion sizes, we mean you must control the amount of food you eat in a day.

This can be done by following a few simple steps such as using smaller plates, drinking water before every meal, and eating food slowly. By following this in the long-run, you’ll avoid putting on a few extra pounds.

#2. Set practical goals

Most of the renowned weight loss programs have one thing in common- they begin by asking you to set a practical goal for yourself.

As the famous saying goes, “A journey of a thousand miles begins with a single step.”, we reframe that and say, “The journey of weight loss begins by shredding a bit of fat every day.”

When you set and achieve smaller goals every day, you start gaining confidence and move towards your larger goal of weight loss.

#3. Keep track of your progress

Keeping track of how much weight you’ve lost is important for several reasons.  It makes you feel happy that you have attained progress towards achieving your goal, while also inspiring you to continue your hard work with the same zest.

When you track your progress, you’ll be able to find patterns in your workout. For instance, maybe you lost more weight during the week you performed HIIT in comparison to the week when you performed weight training.

Discovery of such information can help in pacing your weight loss journey accurately.

#4. Identify your triggers

If you want your long-term weight loss journey to be a success, you must identify the food items that trigger binge-eating. For instance, let’s say you identified potato chips as your trigger. To prevent binge-eating, you must not keep stock of them in your pantry.

In case you are an emotional eater, try to find alternatives to relax, such as meditation or yoga.

#5. Keep making changes in your workout routine

Switching exercises in your workout routine can make things enjoyable and engaging for you. Plus, apart from making things interesting, it would also help in the development of new muscles in your body.

Learning new workouts can help in the development of your body while making your transformation process exciting for you.

When you enjoy the workout routine, you’ll fall in love with working out, and once you do, there’s no coming back. Perhaps, the best way to make any weight loss strategy successful in the long run is to fall in love with hard work and effort!

 

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