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"Americorps as health insurance bridge" posted by ~Ray
Posted on 2008-11-23 12:36:09

“Many colleges and universities require health insurance,” Jeanne Hebert director of the University’s Office of Insurance and Risk told The Herald in an e-mail. “If students are faced with unexpected medical expenses they may not be able to continue their enrollment in college.” After graduation students no longer have access to SHIP and most are barred from their parents’ policies when they turn 22 or cease to be full-time students. Some like Rastelli apply for jobs with firms that provide insurance. Others enter graduate programs many of which have policies similar to Brown’s. But those who don’t receive insurance and have no mandate to purchase it face a difficult choice. As the article notes in its last paragraph. Americorps offers a comprehensive health care plan although it doesn’t include coverage for preexisting conditions. It’s not always the best insurance in the world - our coverage was so skimpy when I was serving my first year that we called it the ginseng and band-aid plan - but it’s better than nothing. I do know of at least one Americorps member in my group who was staying on a second year partly because of the health plan (and child care subsidies) that Americorps offers. This is a real challenge for 20-somethings. Although health care plans can be cheap for healthy graduates those with preexisting conditions or disabilities can face premiums that far outstrip the weight load of their fresh-out-of-grad-school earnings. Alas. Americorps isn’t much help in these cases but for the otherwise healthy college grad it’s an option that can give you a year or two of breathing room while you suss out your options decide what you’re going to do and build up your resume/experience which will hopefully improve your chances of landing a benefits-loaded job or one that pays well enough to afford your own plan. XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> “What do I know now that I wish I’d known going into my Americorps service?”Share your answers. All branches and varieties of Americorps service welcome as well as service org staff and members. Thanks!

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"Presidential Leadership" posted by ~Ray
Posted on 2008-07-01 07:09:02

I received a this morning from the Obama race. A former student interviewed me about my investigate on the link between bankruptcy and health compassionate and move of the converse appears in the clip. What struck me about the video is its vision. Obama lays out the case that we be universal health care because it is right. Hard-working Americans should not be struck down financially by a broken health care system. Drugs health insurance coverage and cancer treatments may save lives but cost families their financial security. Obama is not alone in advocating for universal health care coverage but this video reminded me how far the debate has come. While Democrats debate who will provide the best intend most Republicans be away. Obama makes it alter in this video that health compassionate is one middle categorise promise that he ordain tie himself to: he is willing to be judged by the quality of what he can deliver. A tough middle class economic issue has become one of the signature pieces that defines this presidential season. During the campaign candidates are pushed to come up with specific plans plans that can be criticized and picked at and shown to be less than promised. This is an important part of differentiating candidates. But the details of the intend are not what define a president. A president is a leader and a campaign is about selecting a leader who will identify problems and pledge him/herself to find meaningful solutions. A leader is also someone who makes the case for change. Roosevelt made the case for social security. Kennedy explained the need for technological advancement with his promise to put a man on the moon and Nixon explained the importance of opening relations with China. They stated the terms on which Americans could cause themselves. The Obama video taps into this same leadership copy. He sells the importance of national health insurance to everyone--even those who have their own insurance today. Progressive policy wonks have been talking about health care for a desire time but less than two years ago those who understood politics better than I did said that the health compassionate system could not be changed--it was too dangerous politically. Now the Democrats are betting that it will be dangerous to remain silent. There are more middle class issues. Consumer ascribe. Paying for college. Home mortgages. Preschool. Child compassionate. Transportation costs. Retirement security. Incomes are flat and families are squeezed on multiple fronts. I see signs in this presidential consider that the economic compel on middle categorise families is beginning to act into the spotlight. That's leadership I like. I'm a bit surprised that the GOP has not responded to this air object for throwing out a few very small bones. approve in 92 when the air had caught fire Bush-41 suggested letting the uninsured buy into Medicaid (which is somewhat similar to the idea of setting up a public intend for the unisured which the Democarts are now proposing) and a number of other GOP leaders proposed full blown reform plans (granted the best of them were about as good as what Romney did in MA or Schwartzeneggar proposes in CA). Any idea why the GOP is ignoring the issue? Seems to me like a bad idea if they undergo any hopes for next year. "There are more lay class issues. Consumer credit. Paying for college. Home mortgages. Preschool. Child care. Transportation costs. Retirement security. Incomes are flat and families are squeezed on multiple fronts. " So why not just reduce their taxes instead of cobbling together a dozen different new programs that demand taxes and bureaucracy? The rise of managed health care in the U. S is largely responsible for what we undergo and it is high time we changed the game. The biggest impediment to change is the fact that the industry makes huge political contributions. No be how you cut it there is an unspoken quid pro quo for the political support of this and other major industries. None of them want this to dress because independent politicians just might act responsibly and actually be the real America. Dennis Kucinich brought it up in 2004 since he and Conyers authored the "medicare for all" bill and now Michael Moore goes around talking about it. In 2004. Dennis was ahead of everybody else; Kerry only promised to let people buy into the congressional plan if they had no other choice. I don't remember where John Edwards was then probably bouncing around trying to sight bandwidth. Do you beleive that there will be fewer workers paying into SS than receiving it in the next decade or not?  If so then there is a problem and that gap needs to be addressed whether you call that a crisis of not... Obama is offering a solution and Hillary is offering a commission to study the problem.  I [like leadership that brings change than it being just a slogan for a politicians race. It's not clear to me that John Edwards' plan is doable; He believes in "universal healthcare" but it looks like HillaryCare which already failed. And unless things change a similar plan in Massachusetts isn't getting much traction. I disagreed with the Dean people because like the Edwards crowd they agreed that a single payer model was right but they settled for junk in an effort to win-- and they didn't win. Remember Al Gore? He taught us the evince: "politicians celebrate false victories." that's fanboy talk. Edwards was working for a hedge finance that made money off subprime Katrina loans; Of course Edwards claimed that he didn't know that but if he's that stupid we don't need 'em as president. As Dennis said in the debate: "don't you want a president who voted right the first time?" Edwards is a bunch of excuses. Apparently the social security air can be "debated" forever without the most obvious facts ever being acknowledged. One fact in particular should injure drink such debates on the spot. That fact is that it will be about 30 years minimum before there might be a shortfall in SS assets vs SS obligations. Nothing that depends on Congressional challenge can be solved 30 years ahead of it being a problem - absolutely nothing. Even if this Congress voted to reduce SS payouts by 90% nothing whatever keeps the next congress from increasing them by 200%. Obama is not acknowledging that only because he sees a potential gain to his campaign by pretending otherwise. I have looked at all three of the major democratic candidate’s positions on health compassionate. In using the market system to create cost containments and in mandating business participation they are all similar. Obama does appear to have a more comprehensive and come up articulated plan. What I wish the candidates would do is to consider how they can help businesses grow. His small business exemption will help innovation buy making healthcare one measure thought at least till later for small business owner. This really is pro-economy and pro small scale business and agribusiness. What also needs to happen is a tax break for all businesses that provide health care to their employees. We should also reward good corporate citizenship and invest in our public. Re: So why not just reduce their taxes instead of cobbling together a dozen different new programs that require taxes and bureaucracy? Because they don't really pay that much in taxes and the only sorts of tax cuts that are feasible furnish only chump change for the middle class. More over many of the problems are structural not financial and major reform is called for. You could cut a chronically ill person's taxes to 0 but that won't buy them health insurance when major insurers refuse to insure them at any determine.

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"Adults over 50 ? Health Insurance, Automobile Insurance, Home" posted by ~Ray
Posted on 2008-03-26 00:04:45

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"Adults over 50 ? Health Insurance, Automobile Insurance, Home" posted by ~Ray
Posted on 2008-03-26 00:04:45

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"What We?re Thankful For, 2007 Edition" posted by ~Ray
Posted on 2008-01-03 20:06:28

I went around the Monster go Advice table and asked my coworkers what they were thankful for at work. Here are their (and my) responses. Happy Thanksgiving and tell us what you’re thankful for in the comments below. Ann: Health insurance is my thing -- the thing I read about think about and talk about pretty much all the measure. (Yes. I make a fascinating party guest.) So I am thankful that we were able to host an in April on health insurance issues. I am grateful to our guest experts of the Kaiser Family Foundation and author of In July just as a new health insurance mandate was going into effect here in Massachusetts. I am happy -- and thankful -- to inform that my friend’s husband has since found a full-time job with health insurance and that they are now covered. But I will really be thankful when health insurance is no longer a major cause for worry in this country. Brooke: As it is my first year out of college. I am thankful I have a job! I have been fortunate enough to be able to work in a challenging and dynamic environment alter after graduating. I must adjudge it’s been a pretty unique experience working for a career advice Web site at the beginning of my career; I’ve learned so much on many different levels. In the past five and a half months other than career advice (which I’ve come to experience). I’ve learned a whole new set of skills and perhaps most importantly. I’ve discovered a lot about myself. And if a job can do all that for you you know you have a lot to be grateful for. Happy Thanksgiving! Bryan: I’m especially thankful this year that my wife and I found a good babysitter for my 1-year-old son. I can come to work knowing that he’s in safe hands. I’m also grateful for the arrival of a new coworker who’s successfully encouraged me to. Christine: There are a lot of personal things I’m thankful for this year my husband’s continued good health being high on the list. The biggest of course is my belly or more accurately what’s inside it -- we’re due with our first child in early January and are over the moon. This has made the whole concept of come into beat focus for me. I’m thankful I work at a company that understands life isn’t all about bring home the bacon and has been accommodating for doctor’s appointments sick (alter that exhausted) days and other fun pregnancy brings. And then there’s after the do by comes... Christopher: measure year at Thanksgiving. I was gearing up for my wedding which occurred just two days.

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"What We?re Thankful For, 2007 Edition" posted by ~Ray
Posted on 2008-01-03 20:06:27

I went around the Monster go Advice table and asked my coworkers what they were thankful for at bring home the bacon. Here are their (and my) responses. Happy Thanksgiving and express us what you’re thankful for in the comments below. Ann: Health insurance is my thing -- the thing I read about think about and talk about pretty much all the measure. (Yes. I make a fascinating celebrate guest.) So I am thankful that we were able to host an in April on health insurance issues. I am grateful to our guest experts of the Kaiser Family Foundation and author of In July just as a new health insurance mandate was going into effect here in Massachusetts. I am happy -- and thankful -- to report that my friend’s husband has since found a full-time job with health insurance and that they are now covered. But I will really be thankful when health insurance is no longer a major cause for mind in this country. Brooke: As it is my first year out of college. I am thankful I have a job! I undergo been fortunate enough to be able to bring home the bacon in a challenging and dynamic environment right after graduating. I must adjudge it’s been a pretty unique undergo working for a go advice Web place at the beginning of my career; I’ve learned so much on many different levels. In the past five and a half months other than career advice (which I’ve come to know). I’ve learned a whole new set of skills and perhaps most importantly. I’ve discovered a lot about myself. And if a job can do all that for you you know you have a lot to be grateful for. Happy Thanksgiving! Bryan: I’m especially thankful this year that my wife and I found a good babysitter for my 1-year-old son. I can come to work knowing that he’s in safe hands. I’m also grateful for the arrival of a new coworker who’s successfully encouraged me to. Christine: There are a lot of personal things I’m thankful for this year my husband’s continued good health being high on the list. The biggest of course is my belly or more accurately what’s inside it -- we’re due with our first child in early January and are over the moon. This has made the whole concept of go into full focus for me. I’m thankful I bring home the bacon at a affiliate that understands life isn’t all about work and has been accommodating for doctor’s appointments sick (make that exhausted) days and other fun pregnancy brings. And then there’s after the do by comes... Christopher: measure year at Thanksgiving. I was gearing up for my wedding which occurred just two days.

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"Insurance - Private Health Insurance, Managed Care and Medicaid - AARP" posted by ~Ray
Posted on 2007-12-15 16:12:29

Pearce & Pearce. Inc.. Student Insurance. Recreation Insurance. College Health Insurance. Intercollegiate Sports Insurance. Sports Insurance. Sports Accident Insurance. Soccer Let Allstate help protect your home condo or mobile home with Property Insurance Coverage. deliver money on homeowners insurance renters insurance mobile domiciliate insurance and more Committed to putting populate first we undergo the allow of protecting the incomes of more than 25 million people around the world through our industry-leading income protection Mission is to defend the interests of the public through the consistent and fair application of Ohio’s insurance laws and regulations. acquire jaunt insurance online. Offers trip cancellation insurance global visitors medical and student travel insurance. Attempts to alter public understanding of insurance — what it does and how it works. The place is subdivided into sections for “Individuals” (consumer info) “Media” (press info [Colorado. Connecticut. Indiana. Kentucky. Nevada. New Hampshire. Maine. Ohio and Virginia] Anthem Insurance Companies. Inc. offers health insurance and other benefits options to Specializing in non-standard go insurance products for independent agencies throughout Illinois. Indiana and Missouri. A member of Vesta Insurance assort. Inc. Provides a broad range of insurance and insurance-related products and services for individual consumers as well as automotive dealerships and other businesses. A division of INsight 2007. Europe and Asia Pacific Exploring ways to provide solutions to the unknown risks today and tomorrow. Also available: INsight Americas 2007 Our customers can be certain that their coverage is carefully tailored and customized to their specific needs. Gather information about various types of insurance seek data about an insurance affiliate or communicate a complaint form. Subscribe to our Money Matters newsletter. Tips on VA loan benefits car buying military taxes and cause to be perceived budgeting. Distributed every two weeks this print and online publication highlights recent U. S and international property/casualty insurance news. Camping World RV & Car Insurance’s underwriter. GMAC Insurance was named America’s #1 RV Specialist in an independent study conducted by URI Information Services and Dr Online ride insurance. RV insurance and ATV insurance services from GEICO: online motorcycle insurance quotes online policyholder service report and bring in claims buy

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"Free Auto, Health, Life and Homeowners Insurance Quotes - MSN Money" posted by ~Ray
Posted on 2007-12-09 14:31:31

Get remove auto health life and homeowners insurance quotes from top insurance companies in the country. Find the latest news and information related to auto health life and Pearce & Pearce. Inc.. Student Insurance. Recreation Insurance. College Health Insurance. Intercollegiate Sports Insurance. Sports Insurance. Sports Accident Insurance. Soccer AARP helps consumers understand the complexities of private health insurance supplemental insurance. Medicaid. Medicare. Camping World RV & Car Insurance’s underwriter. GMAC Insurance was named America’s #1 RV Specialist in an independent study conducted by URI Information Services and Dr This entry was postedon Saturday. October 20th. 2007 at 11:00 amand is filed under. You can follow any responses to this entry through the cater. You can or from your own site. <a href="" title=""> <abbr call=""> <acronym title=""> <b> <blockquote cite=""> <code> <em> <i> <strike> <strong>

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"Update on things." posted by ~Ray
Posted on 2007-11-09 22:18:33

The youngest is comfort in college. Her roommate is there now too. She recovered much faster than they thought she would and she is making up the time she missed. The lay one is in her measure year at the moldy old hysterical college. One of the classes she is taking is climbing. measure year she fell off her bike and broke her arm. I hope she does not fall off the climbing walls now or the mountain they are going to arise at the end of the course. I am working more hours which is good but only as many is I can and still be part time which is bad. The job search.  alter now the job examine is not a search.  He has started a Career Switcher schedule to be a teacher. There were two evaluate to pass before he could sign up and the second test advance came in the send on the last day to sign up for this session. The session ends at the end of November.  He is also subbing at some of the local libraries.   We ordain soon join the many people in this country with no health insurance. At least we were told that but no one can express us why.  The be of it is crazy. <a href="" title=""> <abbr call=""> <acronym call=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <touch> <strong>

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"College Students Have Health Insurance Options" posted by ~Ray
Posted on 2007-11-03 15:41:17

College students approach unique health risks when they leave domiciliate for school. Illness can move quickly in tight living quarters like dorms and shared apartments. And students with an active lifestyle and student athletes are at a higher risk of injury. "Colleges and universities are aware of these increased risks," explains eHealthInsurance executive Bruce Telkamp. "Many demand students to have health insurance upon admission. There are a few options: a parent's health plan a school-sponsored intend or the often-overlooked option of individual coverage. Some individual health insurance plans are specifically designed for students." Health coverage under a parent's intend or a school-sponsored plan can come with certain disadvantages desire a limited coverage area. If a student moves to a different city or state acquire levels under a parent's health intend may be restricted. The same can be true of school-sponsored plans when the student is on vacation or domiciliate for the pass. Individual health insurance plans in move present some advantages. In many states there's a wide range of individual plans to decide from so students can sight coverage for their specific needs. Most students won't undergo trouble qualifying for coverage and it can be quite affordable. A student can even act a semester off and still be covered as long as he or she pays the monthly premium. One of the benefits of an individual health plan designed specifically for students is that it typically won't limit coverage to a specific geographical area. Most student health plans allow students to see any adulterate they want no be where they go whether they're at educate or home for the summer. And typically student health insurance plans ordain adjoin the student 365 days a year not just during the academic year. "When it comes to health insurance students and their parents be to experience their options. A licensed agent desire eHealthInsurance can help them sight the best be for their needs and calculate," says Telkamp.

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college health insurance