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Could I Benefit From A Short Term Health Insurance Plan?

Who Needs Short-term Health Insurance?

Because people never know when some form of health insurance might be necessary, it is always a good idea to take the steps necessary to make sure that some form of it is readily available. Everyone knows that accidents happen all the time. The smartest thing to do is to be fully prepared for them when they do occur. In addition, many people go through the majority of their life in relatively good health, thus allowing them to assume that their good health will last forever. Regardless of one's health history, though, a major illness or debilitating injury is always possible.

In the case that a person is stricken with something unexpected, it is always much better to use the time after a major illness or accident to focus on getting better. People often use much of their strength and emotional energy worrying about impromptu medical costs when they should be focused on doing what they need to do to get themselves healthy again. A major cause of stress after an illness or accident is a lack of a clear answer as to how an untimely medical bill is going to be paid. This uncertainty as to when a medical crisis might arrive and what will happen immediately following is reason enough to make sure that one is protected at all times. Short-term health insurance is becoming an increasingly popular option for people who happen to find themselves without insurance for a brief amount of time. So, the question becomes: "Who exactly might need this type of health insurance, and what might they be entitled to?"

The hundreds of thousands of people in the United States and Canada who suddenly find themselves having to deal with a change in status in regard to their job or their schooling are the ones who are encouraged to apply for short-term health insurance. Within the workforce, part-time and temporary employees are the most likely consumers of short-term health insurance. This is due mainly to the fact that many businesses do not make it a policy of theirs to cover part-time employees or those who were recently unemployed.

People who happen to be between jobs make up a large percentage of those who purchase short-term health insurance. Short-term insurance companies have made it very clear that they will gladly accept individuals who are temporarily out of work. This is good news for these workers, because most of the other insurance markets do not welcome those who find themselves unemployed with such open arms.

Since the establishment of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), people who have recently been fired or who have lost their job for one reason or another are allowed to hold on to their previous employer's insurance for up to 36 months. Of course, this depends upon the circumstances. Most of the time, though, those people who are unemployed will be able to use COBRA to protect themselves until a new employer's plan kicks in. While COBRA sounds like an appealing option, it is usually the least favorite for those who do not currently have health insurance. This is due to the extremely high cost of the premium. Companies must be compensated for their willingness to continue an ex-employee's health insurance, and charging a high price for a premium is one way to make sure that happens. If COBRA premiums are too high for someone's budget, a short-term health insurance policy with considerably lower premiums might be the solution. In fact, due to the increasingly competitive nature of the health insurance industry, one is likely to find a monthly premium that actually costs less than a car payment.

Another group of consumers who are beginning to make very good use of short-term health insurance plans are those who have recently graduated from college. Many graduates hunt for jobs that will offer health insurance benefits. Most of them are usually successful, but there is still a brief amount of time in between graduation and when the health insurance kicks in. Theirs is the perfect example of a situation which requires temporary coverage.

Young people who are about to lose their dependent status under their parents' health coverage are now beginning to find comfort in short-term health insurance plans. Many young people who reach the age of 18 are not planning on going to post-secondary school. If they turn 18, and have not yet enrolled themselves as a full-time student, they will be excluded from their parents' health insurance policy. If this situation occurs, the young person will be eligible for COBRA. However, the premiums may be way too high for someone who is just coming out of high school and who has yet to line up a steady job. A short-term health insurance policy is much more feasible in this situation. The young person can be insured for a while, or at least until he or she finds a job that offers health insurance, or until they enroll in an individual health plan.

The final group of people who are making the move to short-term health insurance are those who are temporarily without coverage for some other reason than the ones already mentioned. For example, if a worker is on strike from his company, he or she may try to get coverage. Or, if someone has recently been discharged from the military, they most likely will be able to obtain short-term insurance.

Because of its tendency to offer both low monthly costs and high coverage limits, sales of short-term health insurance plans have skyrocketed in recent years. Those who run the business of short-term insurance can now boast of the shortest application in the health insurance industry. In addition, many insurers now offer credit card payment plans which make the whole process that much easier and stress-free.

Due to the fact that it offers low costs, high coverage amounts, and a fast purchase process, short-term health insurance serves an important function for people who are in dire need of medical coverage. Those who find themselves suddenly without a job or who have recently graduated from college are now able to take comfort in the fact that they too will be able to receive a limited form of medical coverage in the event that a medical situation arises. Thanks to the many benefits of short-term health insurance, these people, as well as others, now find themselves adequately protected in times of emergency.

Various Cosmetic Treatments to Slow Down Ageing of the Face

Our skin naturally starts to lose its elasticity which will cause wrinkles, and repeated facial expressions, sun exposure, smoking, poor diet and dehydration will all speed up the natural ageing process and cause early wrinkling.

Our skin ages in different ways:

Wrinkles - Skin loses some of its elasticity causing wrinkles and fine lines, the skin becomes thinner and drier and new wrinkles are often found around the neck, eyes, forehead, mouth and lips. Frequent fine motor movements of the face, get repeated over the years, are usually the cause of these lines.

Eye Lines - Wrinkles appear at the outer corners of the eyes, caused by squinting in sunshine, reading in dim light, or looking at the computer screen.

Frown lines - frequent frowning when concentrating or worrying, can cause deep forehead furrows.

Mouth lines - fine lines around the edges of the mouth and lips are usually caused by smoking, pursing the lips or puckering up the lips when drinking through a straw.

Loss of volume

As we get into our 30's, one of the most dramatic changes to the skin is the loss of collagen. Collagen production starts to diminish over time, leaving fine lines and wrinkles and a loss of skin elasticity. Our skin will start to lose its plumpness because of the loss of fat and tissue under the skin. This lost volume can make the face look gaunt and hollow, especially around the eyes and the cheeks.

Loss in facial volume causes:

    Permanent parentheses lines on the resting face
    Sagging skin after sudden weight loss
    The cheeks flatten over time
    Hollows to appear under the eyes
    Sagging

As we age, our skin loses the collagen and elastin which keeps it looking soft, plump and youthful. Ageing and gravity cause the facial muscles to weaken, which causes the skin to sag a little further down every day.

Sagging skin causes:

    Fine lines and wrinkles forming in the skin.
    Pores in the skin often seem bigger.
    Furrows and crevices start to develop around the eyes, neck and mouth.
    Lack of definition at the jaw line

The natural rate of ageing causes some of our wrinkles, sagging and volume loss, but there are some characteristics of ageing which are completely out of our control; like genetics, anatomy and gravity. However, there are cosmetic procedures available which can help to slow down the ageing process.

Botox - When we relax our facial muscles, lines and wrinkles don't show up. These signs of facial ageing can easily be reduced or eliminated by botox treatment, resulting in a natural and more youthful appearance.

Dermal fillers - The precise placing of fillers gives a natural filled out appearance to the hollows in sunken cheeks and under eye troughs and softens deep grooves, giving you dramatic results.

Accent skin tightening - We can use this as a stand-alone treatment or combined with other treatments like chemical peels or microdermabrasion to enhance results. These are great ways to tone, tighten and smooth our skin. It gives the skin a rejuvenated firmness with the toned look of youth.

If you need help choosing a cosmetic procedure, we provide an extensive range of cosmetic procedures for the face and body: Botox, Vaser Lipo, Lip Augmentation, Dermal Fillers and many more treatments, to help create a younger, slimmer, more youthful looking you!

The Selston Cosmetic Clinic is located in Selston, Nottingham, where we offer a bespoke service with a personalised touch and deliver high client satisfaction. We have been involved in the cosmetic industry for over 10 years.


Anxiety Symptoms and Solutions


A stressed mind and body uses anxiety symptoms to alert you of this difficulty. In essence, it is reaching out to you by exhibiting symptoms, hoping you'll recognize this and take the proper actions which will alleviate the difficulty. This is your body's way of messaging you to help it settle down and return to balance. There is a definite pattern to anxiety symptoms and with full understanding of each symptom and application of the solution, you'll be able to navigate through these intrusions and move forward with your life.

We are going to list some of the most frequent anxiety symptoms for greater understanding about them, and solutions to alleviate your fear and distress about them. Remember, anxiety symptoms are your body's way of letting you know that you might be overdoing things. They are little red flags or markers telling you that you might need to slow down, self-nurture and take better care of yourself. Heed these warnings as they will help you naturally heal and successfully recover from stress symptoms. The natural approach is a gentle approach without the risk of adverse reactions and withdrawal symptoms from medications.

Anxiety Symptoms:

Panic Attacks: Panic or anxiety attacks are your body responding to increased stress and pressure. This is your body going into "fight or flight" mode where adrenaline is released and other stress chemicals in response to stressful situations and issues. Your heart rate increases during a panic attack giving you energy to run, escape or take flight. You might begin to perspire, feel lightheaded, dizzy and your legs might feel shaky. This is all due to the release of adrenaline, allowing you more energy to fight or run depending upon the situation. This is the built-in response to perceived danger. The danger isn't always real or threatening but our perception of the situation determines how much adrenaline is released.

SOLUTION: Slow down and breathe during a panic attack. Many hold their breath or over breathe when frightened. Walk it off and the body will absorb the adrenaline within 5 minutes. Watch how you speak to yourself (inner dialogue) during this time. Let go of fearful perceptions. Remind yourself that this will pass and is only a temporary reaction to stress. Do not fuel it by going into "what if" thinking, which only intensifies the release of adrenaline.

Palpitations: Racing heart in response to fear, either conscious or subconscious. One often reacts to events that occurred much earlier in the day. Although upsetting, the racing heart will always slow down. Relax as much as possible and be aware of your inner narrative. Fearful thinking only fuels this symptom so settle down, focus on something soothing and breathe through the situation. Naturally we are assuming this is anxiety related. If you are worried, rule out any physical cause of this symptom. Anytime you are unsure if it is anxiety related, a visit to your primary physician will always allow you piece of mind.

SOLUTION: Walk in moderation and leave the worried mind behind. Read something interesting and soothing. Splash cool water on your face as this has been known to slow down a racing heart. Breathe slowly and calmly. Watch fearful inner dialogue.

Slowly Beating Heart: This too is an anxiety symptom created out of stress. It goes along with "shaking" heart (overstimulated by stress) and the sensation of the heart turning over or flip flopping (also caused by overstimulation due to gas producing foods, caffeine or nicotine). All of these will settle down when one releases the fearful response and practices coping skills.

SOLUTION: Avoid too much caffeine, nicotine and gas producing foods. Exercise is helpful in removing this symptoms as well.

Stomach and Digestion Difficulties: A nervous stomach is a very common anxiety symptom. The stomach has long been known as the "second brain" as it is one of the first body organs that reacts to stress. This is why so many require a bathroom break when faced with shocking news or a stressful situation.

SOLUTION: Understanding is everything. The more one worries about this symptom, the greater increase of adrenaline, stomach acid and reactive digestive symptoms. Meditation often quiets the digestive tract along with exercise, activity and proper diet and nutrition. Learning how to interrupt anxiety also quiets the digestive tract.

Dizziness: Feeling lightheaded or dizzy is another frequent reaction to stress and anxiety. One holds their breath or over breathes without realizing they are doing so. Neck muscles tighten in response to stress as do the muscles surrounding the eyes and ears. This and stressful thinking may lead to dizziness and even blurred vision. Naturally, it helps to rule out any inner ear difficulties which may create these symptoms as well, before assuming it is just anxiety related.

SOLUTION: The best approach to alleviating this symptom is to stop and take a full breath, hold it to the count of 4 and exhale very slowly. This will re-establish the oxygen/carbon dioxide balance and help eliminate that dizzy sensation. Inward thoughts also play a part in this symptom. Fearful negative thinking only add to the release of adrenaline, which also fuels this symptom. Acknowledge the feeling without adding to it by the addition of worry, fear and negativity. This temporary sensation will pass much more rapidly if you do. Remember to breathe slowly and calmly.

Insomnia: A highly stressed mind and body are not always conducive to a good night's sleep. One carries stress throughout the day and into the night within their overactive mind and body. It's often difficult to turn off the mind and relax a body that has been stressed for so many hours. Insomnia is frustrating and adds to anxious reactions if one becomes upset over the inability to fall asleep and remain asleep. It also may follow into the next day, leaving an individual feeling irritable and anxious over lack of sleep and fearful of missing another night's sleep due to anticipatory anxiety.

SOLUTION: Outdoor activity during daylight hours is essential, especially early in the day so one will not be overstimulated by evening.

Ringing in Ears (Tinnitus): Believe it or not, the high pitched hissing or ringing sounds in your ear/ears is most often connected to anxiety. When stressed for long periods of time, the body goes into high alert, fight or flight mode and even sensitization. This means all your senses are heightened, enhanced, and intensified, especially your hearing. In essence, your ears are perked up, vision becomes sharper, all senses are exaggerated, to a fault. Faint background sounds become louder and more noticeable, more intrusive. The more upset you become, the more annoying they seem.

SOLUTION: Understanding plays a large part in the relief this symptom. Tension and anxiety over the sensations only serve to fuel it further. Knowing that fear and adrenaline release enhance the sounds, allows you the choice to calm down, accept the fact that you are temporarily sensitized and let go of the worry which fuels the symptom. Know that less worry about this symptom brings forth great relief. Release your focus and know that this temporary symptom will quiet down when your nerves do the same.

Shaking Legs and Trembling Hands: This symptom is primarily due to the release of stress chemicals such as adrenaline, due to a fearful message received from the brain. A minor shock or fearful thought is often enough to trigger this response. Adrenaline release causes the legs to feel weak and shake. In response to the same adrenaline the hands tend to tremble as well. Within a few minutes, if the response is not fueled by fear, this reaction is quelled, as adrenaline is naturally reabsorbed into the body.

SOLUTION: You can hurry this process along by walking, which helps speed up the re-absorption of adrenaline.

Feelings of Unreality or Depersonalization: A mind that is analytical and overwrought with worry sometimes becomes fatigued from constant fearful thought, resulting in feelings of unreality, fogginess and brain fog. This is not serious although many become quite frustrated by this stubborn symptom. This tired mind is not exhausted from lack of sleep but from the constant habit of fearful worried thought.

SOLUTION: Learning to interrupt this symptom is essential for complete and permanent recovery. Changing the way one thinks along with proper nutrition is the most rapid route to recovery from this symptom. Learning how to make specific corrections in thinking allows a tired mind to refresh, allowing clarity to return. Learning to move out of one's own way is also imperative for the mind to refresh. With the proper treatment, one should recover in approximately a 2 month period of time.

Memory Loss or Difficulties: A worried mind becomes tired and often slower due to stress. This may result in temporary or intermittent memory difficulties. Naturally the anxious person is fearful of Alzheimer's but this is not the case. The truth of the matter is that a fatigued mind will often exhibit these symptoms due to the habit of over thinking, combined with worry and fear.

SOLUTION: The solution to this problem is understanding that a tired mind, due to excessive worry, will often result in these symptoms. Practicing letting go of the worry habit and giving up fearful, negative thoughts will help the fatigued mind refresh. A mind allowed a restful pause from habitual worry does wonders for the memory. Let go of fear, worry, and self analysis in order to allow this symptom to reconcile itself.

In Conclusion

Be aware of the Anxiety Cycle as well. This is the habit of constant focus on an anxiety symptom, one replacing another as soon as the initial symptom is reconciled. This is a strong habit that will reconcile when recognized and acknowledged. Also, locate your emotions and issues, as anxiety symptoms are often used by the brain to cover and distract from a strong emotion that is often painful to face and reconcile.