Supplemental Medical Insurance – What is Supplemental Health Insurance?

By Gavin Bloom

Group health insurance rates have been increasing year after year and employers have been forced to make some drastic changes in their employee benefit programs. Many employers have changed their health insurance to high deductible plans. Dental Insurance has been discontinued by some companies as well as vision care. Disability programs have been trimmed down as well as group life insurance. This has created gaps in coverage and employees have had to look for alternatives for coverage that has been omitted or decreased in their benefit package. The answer to this problem has come in the form of supplemental health insurance. Supplemental health insurance companies will enroll employees with these products and the premiums are paid through payroll deduction.

Supplemental health Insurance Products

1. Disability Insurance – Supplemental disability insurance is sold to employees to fill in gaps or replace lost benefits. Long term and short term disability insurance can be purchased with a variety of waiting periods and benefit periods.

2. Life Insurance – Supplemental life insurance includes a variety of permanent plans as well as term life insurance. There are non-medical life policies available for larger groups when a certain amount of employees participate in the plan.

3. Dental Insurance – This is one of the more popular supplemental health products because it usually the first discontinued by the employer.

4. Cancer Insurance – The cancer policy is a single need policy with relatively low premiums.

5. Accident Insurance – The accident policy covers accidental injury and death. There are accident disability riders on some accident policies.

6. Hospital Income – The hospital income policy pays a daily dollar rate to the insured while hospitalized. These policies can pay as low as $10 per day and as high as $200 for each day hospitalized.

The need for supplemental insurance is stronger than ever before. These policies can also be purchased on an individual basis with most companies.

Types and Process of a Drug and Alcohol Rehab Facility

Executif summary  about drug ang alcohol rehab By Rosemary Grace Brooks

drug and alcohol rehab

There are four different types of rehabilitation centres available to those looking for drug and alcohol rehab facilities: Primary care, extended primary care, secondary care and tertiary care.

Primary care facilities
Primary care facilities usually have a programme lasting three to four weeks and are an intensive treatment type which requires a doctor or psychiatrist to examine the patient and refer them to the centre. Primary care treatment centres are extremely costly and whilst some medical aids do pay for the treatment fees, many do not.

Extended primary care facilities
Extended primary care is a type of facility that runs an inpatient programme similar to a regular primary care facility, but the client stay for a longer period; usually three months but in some cases and when the client is still not ready to progress to the next stage of their recovery they can stay longer. Extended primary care facilities will run a recovery programme exactly like the normal primary care facilities with all day groups and one-on-one counselling.

With extended primary care treatment, patients are able to access the same level of therapy as in a regular primary care centre, but for much longer, allowing clients a better chance at recovery.

Secondary care facilities
Drug and alcohol rehab patients will often leave a primary or extended primary care facility to move to a secondary care facility for further assistance with their substance abuse problems. Every treatment centre differs from another but a secondary care centre will generally have a less intensive programme than primary care centres and allow much more freedom than primary or extended primary.

Tertiary care facilities

Tertiary care facilities usually do not run a day time programme except for maybe an occasional art therapy group or step work group and will have group therapy a couple of times per week in the evening.

Drug and alcohol rehab centres are a very successful way for struggling addicts to seek help for their addiction and most centres will refer clients to further centres to help them start a successful life of recovery.

Drug And Alcohol Rehab

Executif summary  about drug ang alcohol rehab By Stephen Huston

People in the past believed that addicts were possessed and had the devil living inside them. This thought has been thrown out and now scientists and researchers have concluded that drug or alcohol addiction is not caused due to one single factor. The alcohol or drugs gives him a high and in this state he finds a little courage and shows it off.

Alcohol Rehab

The minor side effects can be treated as an outpatient itself. Sometimes they may go into severe depressions or have other serious side effects. Alcohol rehabilitation is not just giving medicines. There is no medicine to stop a man from drinking. There are some pills known as Antabuse, yet the pills make a person sick if he takes alcohol.

To stop the vomiting they will start avoiding the alcohol. The pills have caused mixed reactions from addicts. This is the reason why alcohol rehab centers have various therapy sessions which can be for an individual or group, they have counseling session and even have spiritual sessions to help the addict stay away from alcohol for ever and to cut down the chances of a relapse.

The support of the family is of utmost importance. Alcohol addiction should not be looked at as an individual problem but as a family problem.

Over the Counter Drug Abuse - Prescribed Addiction?

Executif Summary About Drug Abuse and Addiction By Ned Wicker

Prescription drugs are all over the television, every channel is filled with ads for pills; pills that will make our lives better. There are pills for allergies, pills for heart problems, pills for sexual problems, pills for blood disorders and pills for depression.

Madison Avenue and the pharmaceutical industry have collaborated to create the great American need for pills.

Are doctors causing the problem?

The drug companies visit clinics and hospitals, selling their product to doctors. Use our drugs, not their drugs is the message. The Milwaukee Journal-Sentinel ran a front page article by Gina Barton on February 24, entitled “Lethal drugs, lethal access” that told the story of the unexpected consequences of prescription medicine. Collie’s father, Alfred, trusted the care of the physician. Daryl also got drugs from a third doctor, who had been investigated for the same issue. The story talked about sanctions against the three doctors by the Wisconsin Medical Examining Board.

How did Collie get three different doctors to write prescriptions?

The article focused on doctors who overstepped the bounds of accepted medical practice. Emergency departments all over the country face drug-seeking patients every day.

What if a primary care physician could go online and see that their new patient has received these prescriptions from other physicians?

There has to be a balance between patient need and patient demand. A patient may need more drug to manage pain over time, but will not be addicted. The patient’s condition needs to be monitored and medical decisions need to be based on that information.

Otherwise we will have lawyers practicing medicine.

Pharmaceutical companies need to be part of solution

Drug abuse is abundant in our country. If nothing else, just take the ads of TV. Pharmaceutical companies do great good in developing medicines to fight against so many diseases. That is to be respected, but when the fight for the good of mankind becomes more business than science, the ethical and moral issues pollute the cause.

Motivation to Stop Drug Abuse - Inside Yourself is the Key to Breaking the Addiction

Executif Summary About Drug Abuse and Addiction By Dee Cohen

The problem is that you find it hard to function without the drugs. If a number of people have recently asked you about your drug habits or if you have a problem, that should also help you to see that your drug use has become excessive.

Do you know that you’ve lost your sharpness, focus and powers of mind to a certain extent?

Does each day require some compensation to deal with the boss, family, jealous feelings or unresolved thought patterns? What situations and thoughts proceed the use of smoking or taking pain pills?