Thursday, April 23, 2009

Buyer Beware of Insurance Trap

Not all health insurance company operates in a strictly ethical manner. There are a number of traps waiting for the unwary. Two of the worst are mail order insurance and cancer insurance.

Mail order insurance

About 2 percent of all health insurance is sold through television, newspaper, magazine, and direct mail advertising. These plans often look attractive, offering large cash payments to the person who is hospitalized, in return of small annual fee. But most of these mail order insurance policies are full of loopholes. Many, for example, do not start paying benefits until the patient’s eight day in the hospital, and most hospital stays are for less than eight days. Others offer a payment of $30 or $50 per day of hospitalization, which is not much help to the patient in paying the $300 or more per day that hospitalization can cost. Moreover, the fine print in mail order policies, often disallows may kinds of claims. You may not be entitled to any benefit for a “preexisting conditions,” that is, any condition for which you have ever been treated before you took out the insurance. Tricky wording allows many mail order insurances to avoid paying the benefits they seemed to promise. It is better to obtain insurance in a group policy through your job or in an individual policy from an insurer who can explain your coverage and answer your question directly.

Cancer Insurance

The fear of prolonged and expensive treatment for cancer has led millions of American to invest in special insurance policies that cover only cancer treatment. As with mail order insurance, the problem with this policies is that these seem to offer attractive coverage, but in fact their benefit are quite limited. Typically, they include coverage for unusual and rarely used cancer treatment but fail to provide the kind of coverage that is really needed, benefit for prolonged hospital stays, for example. Abuses in cancer insurance were recently the subject of a House of Representative hearing. As a result, the sale of insurance policies who coverage in limited to specific diseases has been banned in several states. Some other trick also not all of cancer type can be claimed from the insurance.

Sunday, April 19, 2009

Coping With Herpes

A typical case, suppose that Kate is college sophomore who is not seriously involved with anyone. It's not that no one is interested in her. Rather, she has been in relationships that didn't commit her emotions lightly. At a party, she meet Paul, whom she remembers having seen in her psychology classes. They enjoy talking and spend the rest of the party together, and several weeks later, they have sex.

A week later, Kate notices painful blister on her thighs and genitals. At first, she is unconcerned. She has had bladder infections, and she supposes that this may be some variations of that ailment. Nevertheless, the next time she sees Paul, she ask his as casualty as she can whether he has ever had venereal diseases. He denied it and she believes him. But when the blister persist for a few days, she decided to go to the University health service. There a doctor takes a culture. A week later, the doctor inform her that she has herpes. She learns that she almost certainly contracted the diseases when she had sex with Paul.

When she returns to the dorm, she calls Paul and tells him she has to talk to him right away. When he arrives, she gives him the news and angrily ask him what he has to say for himself. Flustered, he denies that he has herpes; he goes so far as to accuse her of giving it to him. Kate was angry before, but this infuriates her. They have a brief but very nasty argument and then Paul stalks off. She's disgusted and upset.

"That's the end of that," she says to herself.

Over the next few weeks, however, she slowly realizes the implications of what has happened to her. The diseases, of course, has not ended with the relationship, she has the diseases, it's incurable, and she may give it to anyone she's intimate with. She tries to stop thinking about it, but that makes her feel devious, as if she's hiding something. She's ashamed to tell her friends, even her roommate. Her self-esteem plummets. "Why would anyone want to be involved with me now?" she ask herself. She worries: What would her parents say? Will it be safe for her to have children? Will she be alone for the rest of her life?

For a few months, she avoid men. Although she knows it's unreasonable, she finds that she distrusts all men. But when the new semester begins, she is assigned to a project in arts class with a junior, Brian, and they and they are instantly attracted to each other. He's interesting and sympathetic, and it's soon clear that they are very fond of each other. Ordinarily, they would become lovers, but Kate is faced with a difficult choice. She can either tell Brian that she has herpes and risk loving him, or she can plunge into the relationship and try to avoid sex during the periods when the diseases is most contagious, hoping that if he finds out he will care enough about her to stay with her.

If you were in Kate position, what would you do? What would you want her to do if you were Brian?

Thursday, April 16, 2009

How the Viagra Work

I just read the advertising of Viagra sell; they are sell drug with offer something for our mind they are offer just for our imagination, something not real, just sell a shadow. Just create a fantasy to our live, not real but can make us feel happy even just for a second.

The message is written in messy word, but I try to read every word and the content also not very clear. She told about her tired and bored and achy, and also her imagination of so playing computer, go to church and hope to have beautiful life. She write something that difficult to understand and sent through email. She love all kind of music, she feel inspire from those music and imagine to marry with other man, and imagine have a normal live. She also express about her sex relationship, and write on her blog. This one are cutting story:

“I couldn’t find a video of him performing it but listen to the lyrics. I love babies & mamas sunshine happy rooms and cool colors and the dishes she cleans for me I don’t even have to rinse before putting things in the dishwasher anymore and how warm she keeps my toesies while I’m sitting at the desk working on the computer who needs slippers it seems her only desire in life is to be close to us and all she asks for is an occasional pet and some food and water truly my lowest maintenance friend it made me happy what do you look for in a best friend.”

After read all the message, I really don’t interest to use Viagra, because this drug make everything become not real, can not write good, difficult to understand by others, and make them more not realistic about this world.