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	<title>www.quotebyte.com &#187; politics</title>
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		<title>health insurance lobbying</title>
		<link>http://quotebyte.com/blog/health-insurance-lobbying/</link>
		<comments>http://quotebyte.com/blog/health-insurance-lobbying/#comments</comments>
		<pubDate>Mon, 13 Sep 2010 16:05:27 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[corruption]]></category>
		<category><![CDATA[health]]></category>
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		<description><![CDATA[Did you know that the number one killer of dogs today is cancer. Some may have thought it was accidents, heart disease or parvovirus. It is poor dog nutrition and it is getting worse not better. Why you may ask? Well we got a warning call during the recent pet food recall. It is startling [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance lobbying.jpg" alt="health insurance lobbying" border="0" align="left" /></p>
<p>Did you know that the number one killer of dogs today is cancer. Some may have thought it was  accidents, heart disease or parvovirus. It is poor dog nutrition and it is getting worse not better.  Why you may ask? Well we got a warning call during the recent pet food recall. It is startling to know that many pets succumbed to the hands of the pet food manufacturers either knowingly or unknowingly.</p>
<p>It seems as though the more fancy dog foods that come out, the more sickness and cancers  veterinarians  see every day.  Anne Martin's book  "<i>Food Pets Die For: Shocking Facts About Pet Food.</i>"  is shocking, well researched, and very disturbing and tells an interesting story about pet food safety  and nutrition.</p>
<p>Her two dogs became very sick after eating a dry dog food. The food was analyzed by two independent labs, as well as a Ministry of Agriculture lab.  The long and the short of it is that pet foods  today are made up of waste that is leftover from processing human food - blood, bone, ligaments, tails, etc. Even worse than , it's been proven that euthanized animals are making their way into pet food... dogs and cats from shelters, and other livestock that had to be put down. Not what I would want to see.</p>
<p>We all know of the  big Pet Food Recall in 2007, in which tens of thousands of cans of food were recalled and pulled from the shelves. Don't you think it's fair to say that there <i>would not have been a recall</i> if efforts were made to ensure the food was safe for consumption in the first place or if the public was immediately advised of the testing to discover the toxic chemicals ? You may have also heard of the controversy around the pet food preservative called "Ethoxyquin"...The FDA tested this preservative and found that it was unhealthy for canine consumption... so they of course banned companies from using it, right? Wrong. The pet food manufacturers argued that it was too important to do away with, and instead of banning the substance outright, the FDA cut the amount that pet foods were allowed to contain in half. So my dog can get only half sick!</p>
<p>Well I will have to ask myself who is protecting my pet and the quality of the food that is available.  Some time a few decades ago when I was a youngster our pet food came from the butcher or farm under our supervision. Today I have to think twice and take steps to protect my pets from poor nutrition. I have to ensure my pet is getting the best food and  supplements available.</p>
<p>Fortunately there is some decent food out there for dogs that does meet the "recommended" daily allowances of vitamins and minerals... but remember... these "recommendations" were created by the same industry that creates the food itself, they just aren't enough to keep your dog from becoming sick. Think about it: You know that as a human it's important to regularly eat the right amounts from all 5 food groups and take vitamins and supplements to keep your body in the best possible condition. Would you agree that people who do that are probably far healthier than those who eat recklessly? Well my dog should get the same consideration.</p>
<p>I have been following a young holistic vet in Nelson, British Columbia, Dr. Andrew Jone and trust his recommendations to improve the quality of life and longevity through nutrition. He is the author of several publications : Veterinary Secrets Revealed, the Pet Food Recall Report and Dog Health Remedies. He decided that if he was going to truly make it easy for loving dog owners to guarantee that their dogs received the proper nutrition they needed every single day, he was going to have to develop <i>his own dog multi-supplement</i>. And of course... spare no expense when it came to the amount or type of ingredients it needed to keep a dog healthy. And that is just what he did.</p>
<p>I invite you to find more information on what Dr Andrew Jones did about dog nutrition. Find out for yourself a by visiting me at <a target="_new" href="http://yournewpets.com">Your New Pets</a>. Subscribe to get my content delivered directly to you at <a target="_new" href="http://feeds.feedburner.com/yournewpets">Send me YourNewPets</a>. Learn how to care and protect your dogs ,cats and other pets .</p>
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		<title>health insurance syracuse ny</title>
		<link>http://quotebyte.com/blog/health-insurance-syracuse-ny/</link>
		<comments>http://quotebyte.com/blog/health-insurance-syracuse-ny/#comments</comments>
		<pubDate>Fri, 10 Sep 2010 00:20:52 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health insurance syracuse ny]]></category>
		<category><![CDATA[ny]]></category>
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		<guid isPermaLink="false">http://quotebyte.com/blog/health-insurance-syracuse-ny/</guid>
		<description><![CDATA[where can I cash a health insurance reimburs.ck writtenonchasemanhattanbank? It is from unitedhealthcare insurance company written on chase manahattan bank of syracuse. I live in plattsburgh,ny. I want to cash it but only have an acct. with UFirst Federal Credit Union. you can deposit it in your credit union account. or you can cash it [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance syracuse ny.jpg" alt="health insurance syracuse ny" border="0" align="left" /><br />
<b>where can I cash a health insurance reimburs.ck writtenonchasemanhattanbank?</b><br />
<i>
<p>It is from unitedhealthcare insurance company written on chase manahattan bank of syracuse.  I live in plattsburgh,ny.  I want to cash it but only have an acct. with UFirst Federal Credit Union.
</p>
<p></i></p>
<p>you can deposit it in your credit union account.</p>
<p>or you can cash it at any Chase branch for a fee.</p>
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		<title>health insurance articles</title>
		<link>http://quotebyte.com/blog/health-insurance-articles/</link>
		<comments>http://quotebyte.com/blog/health-insurance-articles/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 07:27:16 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health insurance articles]]></category>
		<category><![CDATA[health insurance articles 2010]]></category>
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		<category><![CDATA[recent health insurance articles]]></category>

		<guid isPermaLink="false">http://quotebyte.com/blog/health-insurance-articles/</guid>
		<description><![CDATA[Does Failure to comply w/ Individual Mandate to buy Health Insurance result in Unconstitutional Capitation Tax? According to Article 1, section 9 of the U.S. Constitution: No capitation, or other direct, Tax shall be laid, unless in Proportion to the Census or Enumeration herein before directed to be taken. Thank the Cønservatives. http://www.miamiherald.com/2010/03/23/1544396/that-health-mandate-gop-is-suing.html "Healthcare reform [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance articles.jpg" alt="health insurance articles" border="0" align="left" /><br />
<b>Does Failure to comply w/ Individual Mandate to buy Health Insurance result in Unconstitutional Capitation Tax?</b><br />
<i>
<p>According to Article 1, section 9 of the U.S. Constitution:<br />
No capitation, or other direct, Tax shall be laid, unless in Proportion to the Census or Enumeration herein before directed to be taken.
</p>
<p></i></p>
<p>Thank the Cønservatives.</p>
<p>http://www.miamiherald.com/2010/03/23/1544396/that-health-mandate-gop-is-suing.html</p>
<p>"Healthcare reform bill incorporates big GOP idea: Individual Mandate"</p>
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		<title>health insurance horror stories</title>
		<link>http://quotebyte.com/blog/health-insurance-horror-stories/</link>
		<comments>http://quotebyte.com/blog/health-insurance-horror-stories/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 03:53:26 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[american health insurance horror stories]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health insurance horror stories]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[insurance]]></category>
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		<description><![CDATA[I've heard many horror stories from employees who have notified their supervisors that they are resigning from their jobs: When I handed in my resignation letter, my boss stopped talking to me. I thought he liked me, but when I told him I was resigning from my job, he made my life a hell on [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance horror stories.jpg" alt="health insurance horror stories" border="0" align="left" /></p>
<p>I've heard many horror stories from employees who have notified their supervisors that they are resigning from their jobs:</p>
<p><i>When I handed in my resignation letter, my boss stopped talking to me.</i></p>
<p><i>I thought he liked me, but when I told him I was resigning from my job, he made my life a hell on earth.</i></p>
<p><i>Everything seemed to be going well in my job but when I told him that I was leaving, he fired me.</i></p>
<p>Do any of these stories resonate with you?</p>
<p>Some managers have difficulty with accepting the fact that an employee chooses to leave. For some, an employee's decision to end their employment seems to represent some type of a hidden message or indictment on their effectiveness as a manager.</p>
<p>Employees leave for a variety of reasons. Sometimes it's for career advancement. Sometimes it's to make more money. Some employees leave their jobs to go back to school full time.</p>
<p>Sometimes, employees leave because they have issues with their supervisor, or the company.</p>
<p>That's why exit interviews can be an invaluable tool that can help you to understand why your employee decided to leave their job and, help you to assess what their experience was like while working with your company.</p>
<p>When meeting with your employee, be open and receptive to their feedback, whether you agree with what they are saying or not. Use your employee's exit to learn more about what has worked well in terms of their actual job and what things were detrimental to doing his or her best work. Learn about their perspective about the company; everything from their thoughts about company benefits to policies and procedures.</p>
<p>Remember that not everyone will feel comfortable answering your questions. Get their permission to meet with you for an exit interview in advance, and let the employee know that their response is voluntary. Be sure that they are aware that the goal is to learn what you can do differently or better.</p>
<p>No matter what the reason is for your employee's resignation, it's incumbent upon you as a supervisor to separate your emotional response from the reality of the situation. Use an employee's resignation as an opportunity to learn what you can do to make any necessary changes that will only enhance the experience for all of your staff.</p>
<p>Dianne Shaddock is the Founder of <a target="_new" href="http://www.EasySmallBusinessHR.com">ESBHR.com</a>, a website which provides "Quick and Simple Human Resources Strategies for Small Businesses, Non Profits, and Entrepreneurs. Go to <a target="_new" href="http://EasySmallBusinessHR.com">http://EasySmallBusinessHR.com</a> for more tips on how to hire and manage your staff more effectively. Easy Small Business HR, Your Personal HR Consultant!</p>
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		<title>health insurance watchdog</title>
		<link>http://quotebyte.com/blog/health-insurance-watchdog/</link>
		<comments>http://quotebyte.com/blog/health-insurance-watchdog/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 00:34:54 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[health insurance watchdog]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[insurance]]></category>
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		<description><![CDATA[In May 2008, the BBC Watchdog programme alerted viewers that a number of people were reporting itches, blisters, burns and rashes after buying imported Chinese leather sofas. The reason: sachets containing the chemical dimethyl fumarate (DMF) had been used by Chinese manufacturer Linkwise to prevent mould from growing on their leather sofas during transportation and [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance watchdog.jpg" alt="health insurance watchdog" border="0" align="left" /></p>
<p>In May 2008, the BBC Watchdog programme alerted viewers that a number of people were reporting itches, blisters, burns and rashes after buying imported Chinese leather sofas.</p>
<p>The reason: sachets containing the chemical dimethyl fumarate (DMF) had been used by Chinese manufacturer Linkwise to prevent mould from growing on their leather sofas during transportation and storage.</p>
<p>Unfortunately, the chemical, which is sometimes used as a fungicide, led to severe allergic reactions in some people using the sofas.</p>
<p>Tests have shown that DMF can cause severe eczema, a term referring to a range of skin conditions which are difficult to treat. The allergic reactions occur when the substance warms up.</p>
<p>Consultant dermatologist Dr Sandra Winhoven explained the condition at the time: 'The substance that's causing the sofa dermatitis outbreak is a fungicide, and this fungicide has a very low vapour point. So when it gets warm, more of it gets released.' As a result, the summer months led to higher numbers of allergic reactions.</p>
<p>Symptoms of eczema</p>
<p>Eczema, which is sometimes known as dermatitis, can refer to a range of unpleasant and distressing symptoms including itching, blistering, redness, swelling, dryness, crusting, flaking, cracking, oozing and bleeding of the skin. These symptoms can be very damaging to a person's quality of life, and some of the sofa rash sufferers reported symptoms of depression as a result.</p>
<p>With up to 50,000 households having been sold a contaminated sofa, and many people suffering from increasingly severe reactions, sufferers were often unaware that the reaction they were experiencing was connected to their sofa.</p>
<p>Some sufferers even unwittingly aggravated their injuries by staying at home to recover from their symptoms, thereby further increasing their contact with the problem sofa.</p>
<p>How the stores reacted</p>
<p>The sofas were sold by Argos, Land of Leather and Walmsley Furnishing. After learning of the problem with their sofas, the shops selling them responded in different ways. According to a Daily Mail report from June 21, 2008, Argos, who had sold the most contaminated sofas, withdrew the sofas from their shops and notified buyers, contacting them to arrange collection of the products.</p>
<p>Land of Leather, meanwhile, withdrew the sofas but was criticised for not notifying buyers, while Walmsley said they had removed the sachets from sofas they sold after they learned of the issue, though they also did not recall the sofas which had already been sold, as Argos had done.</p>
<p>Claiming compensation for sofa rash</p>
<p>In the UK's largest ever consumer injury claim, thousands claimed for compensation against the stores where they bought their sofas. Compensation is expected to total up to &pound;10m for this initial class action.</p>
<p>Along with the thousands already claiming compensation, an estimated tens of thousands could have suffered or still be suffering from burns which have not yet been linked to their sofas. These cases could lead to further claims for compensation.</p>
<p>If you have been affected by a 'toxic' sofa and experienced skin problems as a result, you could be entitled to claim compensation for your injuries and money lost due to time off work.</p>
<p>National Accident Helpline can help you make a <a target="_new" href="http://www.national-accident-helpline.co.uk/personal-injury-claims/sofa-rash-claims.html">sofa burn claim</a>. We will put you in touch with a specialist <a target="_new" href="http://www.national-accident-helpline.co.uk/personal-injury-claims/personal-injury-lawyers.html">personal injury lawyer</a> to help you with your claim.</p>
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		<title>health insurance news articles</title>
		<link>http://quotebyte.com/blog/health-insurance-news-articles/</link>
		<comments>http://quotebyte.com/blog/health-insurance-news-articles/#comments</comments>
		<pubDate>Fri, 20 Aug 2010 14:15:51 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[economics]]></category>
		<category><![CDATA[health]]></category>
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		<description><![CDATA[Clinton supporters, can you explain the details of her contribution to Children's Health Insurance program? Her website says "..her successful effort to create the SCHIP Children's Health Insurance program which now covers six million children" http://www.hillaryclinton.com/feature/healthcareplan/ while looking for details I came across Ted Kennedy's site http://www.tedkennedy.com/content/622/improving-the-health-of-americas-children which goes into details on how he was [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance news articles.jpg" alt="health insurance news articles" border="0" align="left" /><br />
<b>Clinton supporters, can you explain the details of her contribution to Children's Health Insurance program?</b><br />
<i>
<p>Her website says<br />
"..her successful effort to create the SCHIP Children's Health Insurance program which now covers six million children"</p>
<p>http://www.hillaryclinton.com/feature/healthcareplan/</p>
<p>while looking for details I came across Ted Kennedy's site</p>
<p>http://www.tedkennedy.com/content/622/improving-the-health-of-americas-children</p>
<p>which goes into details on how he was involved in the SCHIP program.</p>
<p>and then saw this:</p>
<p>http://www.boston.com/news/nation/articles/2007/10/06/clinton_claims_credit_for_child_program/</p>
<p>So why is it that Ted Kennedy is never mentioned when she takes credit for this program?</p>
<p>Could this be why Kennedy endorsed Obama rather than Clinton?<br />
John, you haven't answered the question at all. What exactly was her role? It was NOT as leader, clearly Kennedy was. Are all Clinton supporters just reciting the same mantra with no details? Why don't you try researching it yourself and then let me know.
</p>
<p></i></p>
<p>Good luck with your question .   Her name will appear, but that's about it.  Ditto for New York. As NY Senator, Hillary also asked for and received 20 million dollars from the feds to assist the families of policemen and firefighters after 9/11. </p>
<p> But try to find exactly how Hillary was instrumental in that endeavor.  You won't find it.  What you will find is Hillary turned most of that money over to CORPORATIONS to disperse the funds accordingly.  Of course, there were the expected tax breaks. All legal, yes, but it's one more instance of Hillary billing herself as a major player when she was nowhere to be found.</p>
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		<title>health insurance tax exemption</title>
		<link>http://quotebyte.com/blog/health-insurance-tax-exemption/</link>
		<comments>http://quotebyte.com/blog/health-insurance-tax-exemption/#comments</comments>
		<pubDate>Sun, 15 Aug 2010 04:23:08 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[employer health insurance tax exemption]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health insurance tax exemption]]></category>
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		<category><![CDATA[reform]]></category>

		<guid isPermaLink="false">http://quotebyte.com/blog/health-insurance-tax-exemption/</guid>
		<description><![CDATA[Federal tax exemption for health insurance? What does it mean when there is "federal tax exemption for health insurance".. in simple words so i can understand clearly.. thank you. Health insurance premiums are not taxed at all under the following situations: 1. The taxpayer is employed and pays his health insurance premiums out of his [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance tax exemption.jpg" alt="health insurance tax exemption" border="0" align="left" /><br />
<b>Federal tax exemption for health insurance?</b><br />
<i>
<p>What does it mean when there is "federal tax exemption for health insurance".. in simple words so i can understand clearly.. thank you.
</p>
<p></i></p>
<p>Health insurance premiums are not taxed at all under the following situations:</p>
<p>1.  The taxpayer is employed and pays his health insurance premiums out of his pay before he pays taxes on his pay.  This is "pre-tax".</p>
<p>2.  The taxpayer is self-employed and pays health insurance out of his net profits.</p>
<p>But there is no general exemption from federal tax for health insurance premiums.</p>
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		<title>health insurance reform bills</title>
		<link>http://quotebyte.com/blog/health-insurance-reform-bills/</link>
		<comments>http://quotebyte.com/blog/health-insurance-reform-bills/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 17:05:53 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[obama]]></category>
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		<description><![CDATA[Bart Stupak, D MI, a Villon or Hero? demanding Abortion funding (page 270) be removed Health Reform Bill vote? Is Bart Stupak your Villon or your Hero for standing on Principals and not giving his vote to the Health Insurance Reform bill because it allows tax credit for abortions, that is a tax subsidy in [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance reform bills.jpg" alt="health insurance reform bills" border="0" align="left" /><br />
<b>Bart Stupak, D MI, a Villon or Hero? demanding Abortion funding (page 270) be removed Health Reform Bill vote?</b><br />
<i>
<p>Is Bart Stupak your Villon or your Hero for standing on Principals and not giving his vote to the Health Insurance Reform bill because it allows tax credit for abortions, that is a tax subsidy in his opinion, using Federal money to pay back, ergo, pay for Abortions?<br />
Villon?<br />
Hero?      what say you and why?
</p>
<p></i></p>
<p>Villain?<br />
Bart Stupak is doing exactly what he was elected to do- represent the wishes of his constituents.<br />
He is a good guy in that regard whether you agree with him or not. He's showinmg integrity which is a very rare quality in Washington today.</p>
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		<title>obama health insurance veterans</title>
		<link>http://quotebyte.com/blog/obama-health-insurance-veterans/</link>
		<comments>http://quotebyte.com/blog/obama-health-insurance-veterans/#comments</comments>
		<pubDate>Sun, 18 Jul 2010 03:55:17 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[obama]]></category>
		<category><![CDATA[obama health insurance veterans]]></category>
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		<category><![CDATA[veterans]]></category>

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		<description><![CDATA[will veteran's or american indians have to buy health insurance under obama's health plan? While both the IHS and The VA are butcheries, I have my own and can get either, so, no.]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/obama health insurance veterans.jpg" alt="obama health insurance veterans" border="0" align="left" /><br />
<b>will veteran's or american indians have to buy health insurance under obama's health plan?</b><br />
<i>
</p>
<p></i></p>
<p>While both the IHS and The VA are butcheries, I have my own and can get either, so, no.</p>
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		<title>health insurance history</title>
		<link>http://quotebyte.com/blog/health-insurance-history/</link>
		<comments>http://quotebyte.com/blog/health-insurance-history/#comments</comments>
		<pubDate>Sat, 17 Jul 2010 00:31:15 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[american health insurance history]]></category>
		<category><![CDATA[cobra health insurance history]]></category>
		<category><![CDATA[employer based health insurance history]]></category>
		<category><![CDATA[employer health insurance history]]></category>
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		<category><![CDATA[insurance]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[national health insurance history]]></category>
		<category><![CDATA[politics]]></category>
		<category><![CDATA[private health insurance history]]></category>
		<category><![CDATA[united states health insurance history]]></category>

		<guid isPermaLink="false">http://quotebyte.com/blog/health-insurance-history/</guid>
		<description><![CDATA[How to assess your needs In order to select the best health insurance plan, you need to figure out what your priorities and restrictions are. Are you on a tight budget? What benefits are vital? Here are some questions to ponder: Assessing your needs: Five questions to consider I: Do you save, or do you [...]]]></description>
			<content:encoded><![CDATA[<p><img style="margin-right:20px" src="http://quotebyte.com/blog/wp-content/uploads/health insurance history.jpg" alt="health insurance history" border="0" align="left" /></p>
<p>How to assess your needs</p>
<p>In order to select the best health insurance plan, you need to figure out what your priorities and restrictions are. Are you on a tight budget? What benefits are vital? Here are some questions to ponder:</p>
<p>Assessing your needs: Five questions to consider</p>
<p>I: Do you save, or do you live only for your wage packet?</p>
<p>If you haven't got savings salted away in a bank or in another financial institution, you require a health plan with a low deductible. For those who are more prudent financially, and have savings put away, a higher deductible health plan will suit you, because then you will not be forced to pay a high premium.</p>
<p>II: How many times did you see your doctor last year?</p>
<p>Regular visitors to the doctor would be well-advised to purchase a plan with a high premium in order to keep any deductible or co-payment costs down. Those who are fortunate enough not to have to visit their physician can choose a plan with a lower premium as higher co-payments and deductibles are not such a big issue.</p>
<p>III: How much did health care cost you last year?</p>
<p>Anyone with high health care costs need to analyze what they spend it on, and whether they think they will continue to spend money in this manner at the same rate or if these costs will taper off. People who have recurring costs like prescription drugs need a solid plan to cater for this. If you don't have these costs, then you should buy a plan that doesn't offer much coverage on doctor's visits or prescribed medication.</p>
<p>IV: Are you plagued by pre-existing medical problems?</p>
<p>If you have had an illness like cancer, or have had heart problems, then it will prove exceedingly difficult to find suitable health insurance or any type at all. In this instance, you will need to find an insurance Company who will assist you in finding the appropriate health insurance policy.</p>
<p>V: What specific benefits are necessary, and which are not?</p>
<p>If you are in need of prescription drugs on a regular basis, you need to locate a health plan that will allow you to afford the co-payment amount. If there is the potential for pregnancy in your household, then you should keep an eye on any maternity benefits available. Those who don't require prescription medication or maternity benefits could end up saving money. Anyone who has been made redundant or quit their job has several available health insurance choices. Taking the time to find out extra information will allow you to discover what the best insurance options are available for you.</p>
<p>Your partner's plan: Find out how much extra it would cost your partner to include you on their insurance plan.</p>
<p>Coverage by COBRA: COBRA enables you to extend coverage under your employer-sponsored plan for a limited amount of time and you have to pay the bill yourself. As you cannot be rejected because of your previous medical history, it is an excellent choice for those who have had previous medical problems.</p>
<p>Family and individual plans: Before you reject COBRA out of hand, look at every family and individual health plan in your locality. Perhaps you could apply for one of these plans, and have COBRA as a contingency plan.</p>
<p>Public health insurance options: Every state in the country has public plans available for those who are in financial strife, and cannot afford or get accepted for other plans.</p>
<p>STEP IV: COMPARING YOUR OPTIONS<br />
<br />Getting quotations</p>
<p>With all the above information helping you understand the world of health insurance, now is the time to start getting insurance quotes. Like with most things, you will need to shop around and do some research in order to get the best prices. It is a good idea to compare health insurance quotes and rates online.</p>
<p>Compare <a target="_new" href="http://www.insurewish.com/cheap-health-insurance-rates.php">health insurance quotes</a> from America's leading health insurance providers and learn more about health insurance at <a target="_new" href="http://www.insurewish.com/">InsureWish.com</a></p>
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