Health Insurance Information For You!
You might think it is hard to find the right insurance because there are so many options available. However, if there happens to be a medical emergency, you will be relieved to have that little card handy to present to the staff at the hospital. The article below will teach you about having health insurance and what it can do for you.
When buying a health insurance policy, know exactly what events and conditions the policy covers. If you have health insurance which covers incidents like these, it can make a difference in paying for the down time you need to incur.
Make sure you consider your overall health, as well as that of your family, as you make your policy selections. If you are not dealing with any health issues, you may be tempted to buy insurance that has a cheaper premium. While you can save some money now, it is a huge risk because a problem could develop, and then you will have to pay much more.
Do your research and calculate your costs if you are thinking about purchasing individual health insurance. Do your calculations on how much you can pay for premiums, deductibles, and co-pays before you choose which insurance policy to buy.
It is usually cheaper to obtain insurance through group policies, such as those provided by employers, than obtaining an individual policy. You may need to sacrifice some aspects of your policy to help keep the cost affordable, such as a higher deductible or less coverage. As with any service, you should do your research to find the best price and plan.
Vision insurance is a good thing to have if you already have vision problems, or if there are vision problems in your family. The insurance will likely cover some of the cost of doctor visits as well as a portion of costs related to contact lenses and glasses. You do not have to have vision insurance, and some choose to save money by not buying this coverage.
Health insurance can help you pay less taxes. Not everyone is aware of this fact, but the amount of money you pay in for health insurance premiums can actually be claimed on your taxes. Any money you spend to cover your deductible, your prescriptions, or any visits that your insurance doesn’t cover can also be deducted from your taxable income. Check to see what guidelines the federal and state governments have for tax breaks.
Expect that there will be loopholes in any health insurance policy. Peruse every word of your policy, so that you won’t have any unpleasant surprises. Make sure you are ready to pay for medical expenses that are not covered, such as certain medications that can come out of pocket.
Do not ever openly volunteer unsolicited information when your potential medical insurance provider calls in regards to your application. Give them only the information they directly request, nothing more. Any extraneous information you throw into the conversation will get recorded by them, and could come back to haunt you later in the form of higher premiums or even total denial of coverage.
When shopping for a new health insurance plan, you should carefully consider your individual needs. You can select from among an HMO, a PPO or even a POS. Each offers their own unique benefits and shortcomings which must be considered before choosing which you want to go with. Check to make sure your doctor will be covered under their plan.
If pregnancy is in your future, make sure your insurance plan covers all your expenses. You should know this because there are health insurance plans that do not cover certain procedures pertaining to pregnancy and labor.
Starting a personal Health Savings Account or HSA is a good idea if you are among the lucky few that rarely goes to a doctor’s office. This is an alternative to health insurance where you save money in a tax-deductible account in order to pay for health services.
When you are going to be switching to a different insurance policy, be sure to have all of the facts about your new plan. Be aware of your annual payments, more information deductibles and what medical costs are covered after reaching the deductible. Keep all of your policy information, along with the actual policy, on hand while shopping for new health insurance.
One way to site web keep costs down when paying for prescription medication is to ask your doctor to prescribe twice your usual dose. It is not uncommon for a pill that is a higher dose to be the same price as 1 pill of a lower dose. You can use a pill splitter to split your pills in half. It is imperative that you make sure that you don’t forget to split the pills so that you don’t accidentally take too high of a dose.
You may get cheap health insurance if you’re part of a group, like a company that provides cheaper insurance. What if you work for yourself? The Freelancers Union is one such group that you could consider joining. They will offer you affordable health insurance, but you’ll also have their support and advice.
Are you currently medically insured? When you have health insurance, you are making sure your family (and yourself) is going to get proper medical care if they have any health issues come up. Use this article’s information to help you protect your family and yourself.
to lead the development of exendin 9-39 for the treatment of post-bariatric hypoglycemia (PBH). “Dr. Porter brings over 15 years of experience in developing medicines for diabetes and metabolic diseases with a singular focus on bringing innovative therapies to patients with high unmet need,” said David Cory, President and CEO of Eiger. “As the exendin 9-39 program in PBH matures with nearly 30 patients dosed in the clinic, we prepare to advance a novel liquid formulation of exendin 9-39 and are very excited to welcome Dr. Porter to the team. We have great confidence that she will take exendin 9-39 and the PBH program to the next level.” Dr. Porter was most recently Chief Medical Officer of Dance BioPharm, focused on the development of inhaled insulin products to treat diabetes. Previously, she was Vice President, Medical Development of Amylin Pharmaceuticals where she led the R&D efforts for the Amylin-Lilly Alliance culminating in the approval of the GLP-1 agonist Bydureon (exenatide extended release), the first once weekly treatment for Type 2 diabetes. Earlier, Dr. Porter held positions of increasing leadership at GlaxoSmithKline, where she was responsible for clinical strategy for Avandia (rosiglitazone) for Type 2 diabetes. Dr. Porter earned a B.S. in Biology from William & Mary, an M.D. from Duke University, and completed her fellowship in Endocrinology and Hypertension at Brigham and Women’s Hospital. “Eiger and Stanford have made amazing progress across multiple clinical studies in which exendin 9-39 was shown to prevent and reduce symptoms of hypoglycemia in post-bariatric surgical patients during an oral glucose tolerance test (OGTT), and I’m very encouraged by the results,” said Lisa Porter, M.D. “Exendin 9-39 represents the first potential targeted therapy for patients suffering from PBH, a significant unmet medical need. I’m excited to join the team and lead this program moving forward.” Eiger is developing a proprietary, novel liquid formulation of exendin 9-39 which in dog studies has demonstrated a greater than two-fold increase in peak plasma concentrations compared to the original lyophilized powder of exendin 9-39. Development of a liquid formulation of exendin 9-39 represents an opportunity for lower dosing and once on the market, would eliminate the need for patients to dissolve powder in saline, which could be a more convenient product presentation for patients. Eiger is evaluating the new exendin 9-39 liquid formulation in patients in the ongoing MAD study and also in a Phase 1 PK study scheduled for Q2 2017, both of which will inform the next, larger Phase 2 study planned for second half 2017. About Insulin, GLP-1, and Exendin 9-39 Insulin is the principal physiologic hormone secreted to control high blood glucose levels. Abnormal increases in insulin secretion can lead to profound hypoglycemia (low blood sugar), a state that can result in significant morbidities, including seizures, brain damage, and coma. GLP-1 is a gastrointestinal hormone that is released postprandially from the intestinal L-cells. GLP-1 binds to GLP-1 receptors on the beta cells of the pancreas and increases the release of insulin. In patients with PBH, GLP-1-mediated insulin secretion is dysfunctionally exaggerated.
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