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costs Another feature estimates the annual out-of-pocket costs for someone of the user s age and general health status A survey of member satisfaction with each plan also is available This web site provides information on nursing homes and prescription drug discount plans in the area The web site, however, is only a starting point It does not indicate, for example, which doctors belong to an HMO It also doesn t say which drugs are covered under plans with prescription drug coverage Look in the local telephone book for health insurers listed there A few will deal directly with individuals Don t forget to look into health maintenance organizations (HMOs) Some have bad reputations, but others provide good care at competitive cost Reports about an HMO s quality are available from the National Committee on Quality Assurance at wwwncqaorg Start a business.

Turning a hobby or new interest into a business allows you to become self-employed and eligible to join a professional association or one of the associations formed primarily to provide group health plans to individual business owners If you join an association, however, carefully review the health insurance Some associations are formed by insurers primarily to offer health insurance policies that avoid a lot of state regulations Raise the deductible The most certain way to reduce insurance premiums is to raise the deductible Raise the deductible from the typical $250 to $1,000, and in many cases the premium will drop by around 50 percent Self-insuring means the user pays many of the routine expenses and leaves insurance to cover the major problems Consider short-term health insurance This is a niche in the insurance industry offering health care coverage for up to 12 consecutive months.

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A product labeled whole grain consists of the endosperm, bran, and germ.The grain may be polished or milled to remove the bran and germ.White rice and other polished grains are only the endosperm. Although rice appears on menus more often than other grain starches, several other grains can also be served as side dishes to add variety to your menu.The most popular of these grains are described following the section on rice.

The coverage can be much cheaper under than most other plans, but there are reasons for the low cost The policies usually have high deductibles In addition, preexisting conditions generally are not covered When the policy expires, longer-term insurance must be obtained If a chronic disease or lingering injury is incurred while under a short-term policy, then when a longer-term policy is obtained the chronic problem likely won t be covered for the first six months or longer That s why this insurance generally is sold only to young, unemployed people A few states prohibit these types of policies Many states have a guaranteed-issue law that requires health insurers to make coverage available to everyone regardless of medical history The premiums might be high, and there might be a limited enrollment period during which anyone can enroll.

results. Similarly, online panels have a tendency to be comprised of a disproportionate number of broadband users, which can affect the response to some questions. Respondents for this survey were selected from among those who have registered to participate in online surveys and polls. The data have been weighted to reflect the demographic composition of online N-Geners. Because the sample is based on those who initially self-selected for participation in a panel, no estimates of sampling error can be calculated. All sample surveys and polls may be subject to multiple sources of error, including but not limited to sampling error, coverage error, error associated with non-response, error associated with question wording and response options, and post-survey weighting and adjustments. Information reported on media use is based on self-reports of online N-Geners. This self-reported data is likely to vary from syndicated audience measurement data. 14. Talpin, John. Different This Time. TPM Coffee House, June 17, 2009. http://tpmcafe.talkingpointsmemo.com/2009/06/17/different_this_time/ 15. Prahalad, C.K. The Fortune at the Bottom of the Pyramid: Eradicating Poverty Through Profits. Philadelphia: Wharton School Publishing, 2004.

Some states also offer special insurance pools for small business owners or for high-risk people who have trouble getting insurance Some people return to work either full- or part-time primarily for the health insurance Or, one spouse remains employed using employer.

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