The coverage loopholes left by your health insurance plan are filled in by supplemental insurance. Many different types of supplemental insurance plans are available to support health issues. Supplementary insurance can be bought either directly from the supplement insurance company or from an agent. No matter what, supplemental insurance which is a collection of mini insurance plans that are sprinkled over your regular health insurance is a boon to the healthcare coverage of your family. You can always research about supplemental insurance companies Medicare provider and also compare Medicare supplemental insurance plans.
The various types of supplemental insurance are as follows:
- Critical illness insurance: As the name suggests, this type of insurance provides coverage for cancer, organ transplants, strokes, heart attacks, kidney failure and more.
- Accident insurance: In case you are injured in an accident, then the accident insurance pays you lump-sum cash.
- Hospital insurance: This is a worthy investment as even a night stay in the hospital can work up to a bill of $4000.
- Fixed Indemnity insurance: This type of insurances covers you’re out of the pocket expenses with cash benefits paid directly to you.
- Disability insurance: If you become too sick to continue working then the Disability insurance helps retain some of your income. Some disability plans pay out only for illness whereas there are some others that pay out for both illness and injuries.
- Long Term Care insurance: This insurance helps to protect your assets and it also gives you more choice and control when you need long term care.
- Life insurance: In the event of one’s death a sum of money is paid out to the beneficiary. Dental insurance: Majority of health plans do not include dental insurance as it isn’t mandatory by the ACA. For children however dental insurance is a required benefit by the ACA and is therefore included in most plans.
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What is an ESA and how to get one
Read moreHaving a dog as a companion can contribute to one’s mental and emotional well-being. Therefore, some canines are trained to officially aid people with disabilities. These dogs are known as emotional support animals (ESAs). People can qualify a dog as an ESA with a few crucial steps. With official evidence, such individuals can be exempted from strict federal housing norms and rules that restrict flight travel with an animal. If you want to know how to register a dog as a support animal or understand the process of getting an ESA, you can follow these steps.
- Register through a trusted ESA service
There are several online ESA services in the country, like the US Service Animals that register a support animal. After entering details about the owner and the dog and completing registration, the ESA service will send the owner a photo identity card of the dog and a certification of registration. This identity card will also contain legal information regarding rights. Having an ID of your dog, along with a certificate, can make it easier to establish the authenticity of the whole process. - Locate a licensed health care provider
Only licensed practitioners can qualify an ESA officially. People usually connect with a licensed therapist via a referral from a trusted doctor. There are online search tools like the Psychologist Locator by the American Psychological Association that may be useful. Simply enter the zip code and practice area to locate an ideal licensed therapist close to the person’s residence. - Ask for an ESA letter
After speaking to the therapist, one has to request for an ESA letter. The letter must state the diagnosis of an emotional or mental disability and that an ESA can help improve the symptoms associated with the mentioned condition. Note that the severity of one’s disability need not be revealed in the letter.
Only an official letter from a licensed practitioner can qualify an animal as an ESA. However, when you register a dog as an emotional support animal with a service, you can show additional documentation to someone who doubts the validity of your ESA.
- Register through a trusted ESA service
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Six tell-tale symptoms of Hepatitis C
Read moreAccording to the U.S. Center for Disease Control and Prevention (CDC), there have been at least 30,000 reported cases of acute Hepatitis C infection every year. A study shows that around 3.5 million people were detected with Hepatitis C virus in 2015. The Hepatitis C virus causes inflammation of the liver that occurs over a prolonged period. This makes Hepatitis C is one such disease that does not show immediate symptoms.
It has been observed that about 20 to 30 percent people experience Hepatitis C symptoms in the first six months. The symptoms of Hepatitis C tend to resemble those of common flu. Hence, it is quite difficult to detect whether a person has been infected by the Hepatitis C virus or not. If you get the following symptoms, consult your doctor and ask whether you are at a risk of Hepatitis C infection.
- You frequently experience pain in your upper abdomen. The pain usually occurs on the right side. You will also notice a swelling on this part. This happens due to water accumulation. You might also suffer from diarrhea.
- Your urine is dark and you pass light-colored stool. This is one of the clearest symptoms of Hepatitis C. If you observe these symptoms in yourself, rush to doctor and get tests done to determine whether you are suffering from Hepatitis C.
- You have jaundice. Your skin and eyes develop a yellow tint. You might suffer from constant itching.
- You lose your appetite and lose interest in your daily activities. You tend to be nauseous and experience vomiting.
- You are constantly tired. You experience periodic pains in your muscles and joints. Also, you experience chronic body aches from time to time.
- You might also suffer from extreme mood swings with a persistent feeling of sadness and lack of energy and enthusiasm.
Most of these symptoms appear within first three months of infection. These can last for two to twelve weeks. Sometimes, certain subtle symptoms can occur periodically over decades. It can take about six months to ten years to became aware of the virus in the body. Since most of these symptoms are similar to illnesses such as flu or diarrhea and other viral infections, Hepatitis C often goes undetected in most cases. It is only when the liver stops functioning normally that it becomes clear that the person is suffering from Hepatitis C infection. In extreme cases, the person might suffer from a condition known as cirrhosis. If you observe any of the above six symptoms, ask your doctor to test you for Hepatitis C. After all, prevention is better than cure!