Chocolate and Dogs Are a Dangerous Combination

Chocolate – For Humans, Not Dogs

Yummy, sweet, and absolutely delicious, chocolate stands as one of the best snacks in the world. It’s so versatile too in the different kinds of ways it can be incorporated into foods. You can dip strawberries into melted chocolate for a healthy, unhealthy combination, or perhaps bake yourself a moist chocolate cake, or maybe cook up a couple gooey chocolate chip cookies. Some of my favorite candy bars, Snickers and Twix, have something in common with one another; They are made with creamy chocolate!

Yes indeed, as amazing as this snack is, it still has a critical fault. What might that be? It’s easy to spot, really. The fault is white chocolate. Ha, I’m kidding! But seriously, while white chocolate is still a problem, I’m referring to a particular ingredient found inside of chocolate. It’s called theobromine, and theobromine is toxic for certain animals, one of those animals being a dog.

What makes it so deadly for our four-legged friend? It’s how the dogs digest it; they kind of have a difficult time doing so. A dog’s digestive system is not able to process the theobromine found in chocolate in a very efficient manner like us humans can. The half-life of theobromine in a dog is somewhere around 17.5 hours. Yikes, that’s awful!

Unfortunately, I don’t think you can buy theobromine-free chocolate for the simple reason that chocolate is made from cacao beans, a fruit that contains theobromine in it. There is no escaping the theobromine ingredient, sorry dogs.

There are two key factors when determining the lethality of chocolate. One of them is size, and the other is the type of chocolate. Let’s look at the size first:

Size or Weight

Size matters. Bigger dog breeds like German Shepherds, Bulldogs, or Dalmatians, can eat a far more considerable amount of chocolate than smaller dog breeds like Maltipoo, Chihuahuas, or Yorkshire Terriers, before experiencing chocolate poisoning. The reasoning is behind the weight. Just how much more chocolate can they eat, approximately? That depends on the type.

Chocolate Type
Time to do some math!

Dark Chocolate: A 5 pound Maltipoo puppy can consume 1 oz. of Dark Chocolate before reaching a toxic level. A 70 pound German Shepherd can consume 14 oz. of Dark Chocolate before reaching a toxic level. As you can see by the numbers, the difference in size is a huge factor, it enables a bigger dog to eat a greater amount. However, look what happens when we change the type of chocolate used.

Milk Chocolate: Milk chocolate contains less theobromine than most chocolates. The 5 pound Maltipoo or 70 pound German Shepherd can eat double, or even triple the amount of Milk Chocolate than Dark Chocolate, before receiving theobromine poisoning.

Why does that happen? It’s the fact that different types of chocolate are made with varying amounts of theobromine. Some chocolates are simply more potent than others because they consist of more theobromine. The examples above are merely two types of chocolate available to consumers, there are still other, even stronger types of chocolate found in stores.

Seeing the above math, you might ponder if only giving a dog a smaller amount of chocolate without approaching the danger zone might be safer, but the answer is still a big fat NO! Even smaller quantities of chocolate can result in stomach pains for the dog. Common side effects also include nausea, vomiting and diarrhea, and a whole bunch of stomach woes. Nobody wants to clean up that dirty mess, trust me! So for your dog’s well-being, and yours, and maybe your carpet flooring, avoid giving them a chocolatey snack, even when they beg for a nibble.

To keep your dog from ever chowing down on this dark treat, mull over on where you store your snack foods. I suggest high up in places they can’t reach, or safely tucked away inside of a drawer. Low down in cupboards is a big no no, because animals can have moments of brilliance. I have a few cats that can actually open my lower cupboard doors; they then go inside and fall asleep on top of any food in there. There are more comfortable places to rest than inside of a cupboard I tell them, but they are cats and do not listen to me! Anyways, keep your chocolate secure, high out of a dog’s reach, just not yours.

Chocolate Overload, What To Do

I warned you to hide that chocolate of yours, now look Chocolate bouquet  what’s happened! I’ve heard stories of dogs eating chocolate excessively, and the owners, instead of rushing their pet to the vet, decided to ride it out and see if the dog would recover. After the symptoms became too scary to keep waiting, only then did the owner decide to visit the veterinarian. Unfortunately, the dog arrived minutes too late, and passed away. How sad, if only the owner would have reacted sooner, there could have been a happy ending.

The moral of the story is, if suspecting that your dog has eaten a potentially fatal amount of chocolate, then don’t wait around! Action is required, the sooner the better. Immediately contact a veterinarian, and take them there quickly, every minute counts.

Something you might want to have in case of emergencies like the nightmarish situation above, is activated charcoal. It’s an antioxidant that can be used to treat poisoning such as this. It could buy your dog a bit of time before you rush them to the veterinarian’s office.
In Conclusion

Basically, chocolate is not a dog’s best friend. It can poison them even in smaller quantities, and should be avoided entirely. Next time you are snacking on a delicious chocolate bar, and your dog looks up at you whining for a bite, resist the urge to share, because it could mean the life of your pet! It also means you get an extra bite of chocolate. Mm!



E-Currency Exchange Business Reviewed

There are a whole lot of people at the net wondering what the e-foreign exchange commercial company is, and better but asking whether or not or not they’re able to make cash in e-foreign exchange. the solution to their query is sure, and right right here’s how it all works.

If you are like every person else, you may were struggling to make a respectable income on-line now and it appears as even though not anything is working. some have spent countless wasted hours and tens of masses of bucks on nugatory packages that promise the sector. i’m able to attest to this, because of the fact i used to be this type of humans.

E-currency is in reality virtual forex and it can be used to buy merchandise over the internet. Many people fund their e-foreign money debts through credit card or monetary institution cord. humans will then use their e-currency debts to buy products and services online. The maximum common shape of e-overseas money human beings are acquainted with is Paypal, but there are many others consisting of E-gold, Netpay, and E-bullion. inside the offline international, human beings continuously go with the flow money from one financial institution to every other for various reasons, and the same detail takes place inside the on-line international. human beings are constantly transferring cash from one e-foreign exchange to every other.

As an e-currency dealer, you act as a middle man processing those transactions. considering the fact that there may be constantly money being moved from one e-overseas money to another there can be continually an opportunity to make coins.

Many people want to recognize how an entire lot cash they are able to make inside the e-currency trading application. The possibilities are infinite. but, while getting started out in e-forex, you could have to conquer the learning curve and this varies from individual to individual. There are masses of schooling guides to be had on the trouble don’t forget, and deciding on the proper one is important. Many guides provide telephone resource, live chat assist, email assist further to video tutorials which will stroll you through every step of the manner.

After having been concerned inside the e-forex software for a hint over a year now I actually have in my opinion made $80 one,000. i will say that the e-forex software is an smooth manner to begin a worthwhile funding similarly to construct a coins making machine. simply undergo in mind to study the golden rule and in no way invest more than you may give you the money for to lose. The handiest tough detail that carries e-forex is the terminology and ones functionality to navigate through the device.

What Is Mudaraba in Islamic Finance and Banking?

styles of Mudaraba: There are two kinds of Mudaraba, and they may be noted under:

(1). Al Mudaraba Al-Muqayadah:

Rab’ul-Maal may additionally specify a particular business or a particular area for the Mudaarib, wherein case he will make investments the money in that unique company or area. this is known as Al Mudaraba Al-Muqayadah (restricted Mudaraba).

(2). Al Mudaraba Al Mutlaqah:

but if Rab’ul-Maal offers complete freedom to Mudaarib to undertake whatever commercial enterprise he deems in shape, that is called Al Mudaraba Al Mutlaqah (unrestricted Mudaraba). however Mudaarib cannot, with out the consent of Rab’ul-Maal, lend cash to in reality anybody. Mudaarib is authorized to perform a little thing, that’s typically completed in the path of commercial enterprise. but in the event that they need to have an great paintings, it is beyond the ordinary recurring of the consumers, he cannot reap this without unique permission from Rab’ul-Maal. He is also no longer prison to:

a) keep any other Mudaarib or a partner

b) mix his non-public investment in that particular Modarabah without the consent of Rab-ul Maal.

situations of offer & acceptance are applicable to each. A Rab’ul-Maal can agreement Mudaraba with multiple person thru a unmarried transaction. It way that he can provide his coins to ‘A’ and ‘B’ each so that each one of them can act for him as Mudaarib and the capital of the Mudaraba shall be utilized by each of them together, and the share of the Mudaarib.

distinction among Musharaka and Mudaraba

(1). In Musharaka, all companions make investments, but in Mudaraba Finance, nice Rab’ul-Maal invests.

(2). In Musharaka, all partners participate within the control of the commercial enterprise and can paintings for it. however, in Mudaraba, Rab’ul-Maal has no right to participate inside the management this is completed via the Mudaarib simplest.

(3). In Musharakha, all companions share the loss to the extent of the ratio of their investment. but in Mudaraba, only Rab’ul-Maal suffers loss because of the truth the Mudaarib does now not invest some thing. however this is challenge to a condition that the Mudaarib has worked with due diligence.

(4). In Musharaka, the liability of the partners is commonly limitless. If the liabilities of corporation exceed its belongings and the economic corporation is going in liquidation, all of the exceeding liabilities shall be borne pro rata with the aid of way of all companions. however if the companions agree that no associate shall incur any debt at some level within the course of enterprise, then the exceeding liabilities will be borne thru that associate on my own who has incurred a debt on the economic corporation in violation of the aforesaid condition. but in Mudaraba, the liability of Rab’ul-Maal is confined to his investment till he has authorised the Mudaarib to incur debts on his behalf.

(five). as soon as the partners combo up their capital in a joint-pool in Musharaka, all of the property turn out to be at the same time owned thru all the partners, regular with the proportion of their respective funding. All partners enjoy the appreciation inside the price of the belongings despite the fact that income has now not gathered through profits. In Mudaraba financing, the goods bought thru the Mudaarib are entirely owned through manner of Rab’ul-Maal and the Mudaarib can earn his percent in the profits handiest in case he sells the products profitably.

Distribution of profit & Loss

it is vital for the validity of Mudaraba that the activities agree, right on the begin, on a specific percentage of the actual income to which every one in all them is entitled. The Shariah has prescribed no precise proportion; as a substitute it has been left to their mutual consent. they can share the earnings in same proportions and they also can allocate distinct proportions for Rab’ul-Maal and Mudaarib. but in severe case wherein the events have no longer predetermined the ratio of profits, the earnings will be calculated at 50:50.

The Mudaarib & Rab’ul-Maal cannot allocate a lump sum amount of profits for any celebration nor can they determine the percentage of any birthday celebration at a specific rate tied up with the capital. for example, if the capital is 10,000 Pound Sterlings, they cannot agree on a situation that 1,000 Pound Sterlings out of the profits shall be the share of the Mudaarib nor can they say that 20% of the capital can be given to Rab’ul-Maal. but they could agree that 40% of the real earnings shall visit the Mudaarib and 60% to the Rab’ul-Maal or vice versa.

it’s far likewise allowed that unique proportions are agreed in special conditions. for example, the Rab’ul-Maal can say to Mudaarib “if you exchange in wheat, you’ll get 50% of the income and in case you trade in flour, you will have 33% of the income”. in addition, he can say “if you do the enterprise for your city, you may be entitled to 30% of the income and if you do it in some other town, your share can be 50% of the income”.

aside from the agreed percentage of the profit, as determined within the above way, the Mudaarib can’t claim any periodical earnings or a charge or remuneration for the paintings carried out thru him for the Mudaraba. All schools of Islamic Fiqh are unanimous in this element. but, Imam Ahmad has allowed for the Mudaarib to draw his every day fees of meals first-rate from the Mudaraba Account. The Hanafi jurists limit this proper of the Mudaarib handiest to a scenario while he is on a industrial enterprise adventure outside his own city. In this example he can claim his non-public expenses, accommodations, meals, and so forth. but he isn’t always entitled to get some element as each day allowances when he is in his personal town.

The Advantages and Disadvantages of Beauty in Love Relationships

Who would not need to be beautiful? what’s splendor? possibly, we have all given those questions attention at one time or any other. i might choose to be beautiful if given the choice. primarily based upon some of my observations of favored splendor, I understand it’d offer me a competitive issue as would children. I actually have followed a beautiful woman round all day, many days, to peer what it’s far need to be praised and prominent via those human beings a lovely female meets. I actually have determined others for you to learn about the professionals and cons of having an attractive appearance.

splendor is in the attention of the beholder. all of us should doubtlessly be adorable in line with another character. a few humans pick out blondes. Others pick out tanned pores and skin. Even others pick tall people. anyone has his very very own preferences; yet, there are a few humans who have facial and frame proportions which might be considered lovable by means of the majority. those folks that generally tend to fall into the category of popular splendor generally tend to get quite a few extra interest in the route of the day.

the attention given to a stunning woman is that of getting all eyes on her and that of receiving many compliments. people will speak to her a lot, provide her free beverages, offer provides, ask for her address, invite her out, and extra. at least that’s what i discovered even as following a beautiful woman spherical all day for lots days. She received such a lot of compliments that it have come to be specifically worrying even to her. people lavished her with loads praise for approximately the whole lot she did. As she done her challenge are seeking, capacity employers knowledgeable her they have been searching out a person who turn out to be stunning. One commercial enterprise business enterprise said she favored to lease someone with a “stunning presence.” evidently, the lovely female located a mission without a problem.

If being beautiful way a person can also have extra buddies, discover more jobs, and have an effect on others, then it is obviously handy to be cute. To be unattractive method that an person has a few proportions which might be an awful lot less standardized and more uncommon. There are some apparent reasons why someone taken into consideration less appealing with the aid of the majority may benefit from the warfare to draw others. she will benefit with the aid of having to do her process higher or through having to study diligently.

A individual who’s a whole lot much less attractive may be attractive to someone someplace. He or she can need to paintings harder to expose himself in some areas or research. with a purpose to compete with the so-called “lovely” man or woman, the “average” character will should circulate the greater mile. he or she would possibly are looking for for to be more courteous or innovative. She might likely increase a special skills like artwork, singing, or a game. perhaps the much less appealing individual will decide to examine more books to be able to be preferred for her information. She would probably come to be a discovered person to show herself. those folks who aren’t considered pretty stunning will recognize what it feels to work tough to achieve a few issue with out depending upon their looks. The same could be said of older human beings who’ve to attempt greater tough to find out a challenge than more youthful human beings.

The notion of splendor is in the thoughts so, to a degree, there can be fact in announcing humans are as stunning as they sense. it is essential now not to became vain or to envision oneself as being higher than others regardless of how lovely one feels.

One chance that beautiful people face is that of becoming lazy in the occasion that they should end up narcissistic, believing that everybody else should praise them and offer them unfastened presents. everybody desires to hold some humility. If parents and the sector deliver someone an excessive amount of regular praise, he’s going to run the threat of believing himself to be too essential. If he turns into narcissistic, he is going to take a seat round looking ahead to others to be his servant. One beautiful woman stated she changed into “too adorable for her husband.” She instructed him “no person aside from her may have him due to the fact he modified into now not extraordinary-searching.” some other beautiful guy refused to work for 9 years and continuously reminded others of the manner he changed into so good-looking. hence, he said his spouse’s DNA turned into inferior and that she must be his servant because of this. Such are the results of getting an over-inflated ego because of believing oneself to be the “epitome” of beauty. not every stunning lady or man turns into self-absorbed. Many stunning humans do no longer have massive egos and are thoughtful of others.

Self-absorption outcomes from having acquired such a whole lot of compliments that a man believes himself extraordinarily handsome. Such people would in all likelihood skip over out on reading on the college or developing their minds in extraordinary techniques once they feel they could get with the aid of on beauty by myself. alas, no person can be beautiful for eternity, and it does pay to devote some time to getting to know a talent or about the humanities and humanities irrespective of how attractive he might be. no one is so perfect that she or he couldn’t advantage from reading for learning’s sake.

If neither the player nor the financial backer is dealt with a total

If neither the player nor the financial backer is dealt with a total of 8 or 9 in the underlying two cards (known as a “trademark, the scene is directed, first for the  บาคาร่า player’s rules, by then the banker’s. Player’s norm If the player has a fundamental supreme of 0–5, they draw a third card. In case the player has a fundamental supreme of 6 or 7, they stand.

Agent’s norm On the off potential for progress that the player had pat (i.e., has only two cards), the specialist regards simply their own hand and goes about as demonstrated by a comparative rule as the player, that is the agent draws a third card with hands 0–5 and stands with 6 or 7.

the full-scale transformation of punto banco is regularly played wherever tables in held zones or private rooms secluded from the rule gaming floor. The game is frequented by superstars, who may wager tens or an enormous number of dollars on a single hand. Least bets are modestly high, often starting at $100 and going as high as $500. Posted most limit bets are often planned to suit a player.[13] The table is staffed by a croupier, who organizes the play of the game, and two sellers who discover appraisal and assemble and pay bets. Six or eight decks of cards are used, usually adjusted basically by the croupier and venders. the new financial backer is somewhat the accompanying part all together, and the bank resets to whatever that player wishes to stake. Various games have a set least bank or bet aggregate.

How Community Management Services Benefit a New Neighborhood

Once a new community is founded, residents must move quickly to put a leadership group in place. These leaders will oversee all aspects of the community and make sure that the residents approve of how the new neighborhood is run. These groups will also be responsible for providing community management services like providing upkeep of shared spaces and keeping residents in the loop. However, it is difficult to assemble a group of homeowners into a homeowners association (HOA) when most of the community’s properties are still unsold. The owners of these communities are also unable to provide community management services because they are too busy trying to sell these new properties.

The best action is therefore to outsource the task of community property management to a professional  Cyber Security Cloud  property management organization. This will ensure that the community is in excellent condition as it is being shown by the owners to potential buyers, and the presence of a community property management group might even make the property an easy sell. Below are a few more ways that a community property management organization will benefit a new neighborhood.

One way that neighborhoods benefit when a community property management group is hired is when these groups are able to help with the foundation of an HOA board. When an HOA board is established, the board members must satisfy several legal requirements and need to complete paperwork so that the association can be officially recognized. Additionally, the organization needs to acquire a tax ID number and bank accounts for operating and reserve funds. A company that provides community management services will be able to tackle these and other issues that are associated with the HOA’s formation so that the HOA board can begin providing essential services as quickly as possible.

Once the HOA board is established, the community property management organization will be able to help the board run smoothly. This company will help the board create subcommittees to focus on specific issues, and provide training for members of each subcommittee. If necessary, the company can even appoint an on-site representative to lead board meetings so that each issue is addressed quickly and effectively.

Another major benefit that community property management organizations provide is the management of shared areas within the neighborhood. An established HOA board might have enough experience to evaluate and identify the best vendors to provide services like trash removal, landscaping, and chemical testing for swimming pools. The board might even have a list of trusted vendors that it consults when it needs to provide community management services. However, a new HOA board made up of the few individuals who have already moved in to the community is unlikely to have this experience. Meanwhile, the property owners usually do not work on providing these services, so they are just as unlikely to have the necessary experience. A community property management company will have the experience and time needed to take over .

6 Tips to Help You Buy the Best Sofa

You can buy a sofa both online or at a local retail store. Regardless of your choice, we suggest that you know a few important things. Since this furniture article is expensive, we suggest that you make this purchase wisely. After all, you are looking for something that can stand the test of time. Read on to check out 6 tips to make the best choice.

1: Opt for a Sturdy Frame

First of all, you should opt for a sofa that features a sturdy frame. Ideally, hardwood construction, such as ash, beech, and kiln-dried oak is a great choice. But the downside is that it’s an expensive option. If you can afford it, it will be good for years to come.

On the other hand, softer wood, such as pine can be a cost-effective option. However, it may buckle or warp after a short period of time. Apart from this, a metal, plastic or particleboard sofa may not be a good choice. The reason is that it’s more likely to crack or warp.

2: Consider your Joinery

You should consider the joinery before making a choice. This refers to phrases like metal screws, brackets, double wooden dowels, dtconsultations wooden dowels, and so on. As far as quality is concerned, these joints are your best bet.

It’s not a good idea to go for a sofa that is held together using glue, staples or nails. Although these are used to hold the frame in place, they don’t have to be the primary feature of the construction of the sofa.

3: Consider the Hand-Tied Springs

Hand-tied springs are the best choice as they are sturdy and comfortable. Plus, their price tags are quite reasonable. But if you want to go for something even less expensive, you should opt for serpentine springs. This is an affordable option despite being lightweight.

4: Consider Quality Fillings

Polyurethane foam is a good cushion filling as it’s sturdy and easy to take care of. However, you should be choosy as overly dense foam may feel hard. On the other hand, the overly soft foam may deteriorate in a short period of time.

For an economical choice, you can go for foam that is wrapped in the batting of polyester. If you want to make the best choice, we suggest that you consider High-resilient foam as it’s lush and stylish.

5: Consider Durable Fabrics

Also, sofas with linen, leather, or cotton fabric may be a classic choice. On the other hand, synthetic fabrics, such as microfiber may be good as they are easier to clean and durable. Apart from this, fabrics with surface irregularities like woven texture or small-scale patterns may be good as they can hide dirt much better than a smooth fabric, such as plain linen. So, you should consider your lifestyle before making a choice.

6: Measure with Care

Lastly, don’t forget to ensure that the sofa can easily pass through hallways openings in your house. Generally, sofas come with removable legs. Therefore, these units are much easier to move.

In short, we suggest that you consider these 6 tips before you buy your desired sofa. Hope this helps.



Small and Medium Companies Make Strategic Use of IT Managed Services

The past few years have seen an increasing number of companies across verticals move from a more traditional in-house or standard IT service model to adopting IT managed support services. No longer are only large companies availing these services, small and medium companies have also discovered that they can too, reap significant cost savings, by offloading select or all of their IT operations to an IT managed services provider.

Why this trend? What have small and medium companies discovered about IT managed services?

Resources in many small and medium companies may be scarce, and may not be well equipped to handle all the infrastructure issues and needs of the company. Business tends to suffer when there is insufficient IT backup and/or security, as a result of system downtime and risks. Which is why we now see even small and medium companies are turning to IT managed services, as an extension of their own IT team.

Small and medium companies are IT Support London no longer forced to choose a standard set of services that are costly and do not meet the company’s distinct needs. IT managed services providers nowadays offer global bespoke and flexible solutions and services, and companies can take advantage of a service that best suits them, and make optimal use of IT managed services.

The benefits a company gains by engaging IT managed services are manifold.

Firstly, it significantly reduces costs. A company always looks to direct any savings it makes towards its core competencies. Tightening IT budgets while looking to meet increasing business demands seems to be the order of the day. Therefore, IT Directors and CIOs constantly look to efficiently manage cost pressures. An IT managed services company, by providing flexible solutions, manages IT operations 24×7, thus increasing productivity and eliminating downtime. Also, with the access to a dedicated global pool of IT professionals, the right tools, experience and software – problems are dealt with efficiently, thus improving operational efficiencies and increasing productivity. By entering into a partnership relationship with clients, IT managed services providers pull back resources during troughs and increase resources during peaks, enabling the client to maintain their key people and competencies. So the client pays for the services only as and when they are used.

Secondly, managed support services helps companies tap into a global pool of highly qualified support professionals, who have the advantage of working in various IT environments, and have extensive experience across sectors. IT needs are met with quickly: to ensure that IT systems function all the time, only the most skilled professionals are hired by IT managed services providers. The resources also are well versed in the local language as well as in English, and are sometimes multi lingual, thus eliminating language barriers.

Thirdly, IT managed services are more agile as they provide their services and resources globally. Therefore, there is a single point of contact for all IT issues, system administration, on-site hardware support, etc. This single point of accountability greatly reduces the risks associated with having to deal with multiple vendors. An IT managed services company should typically adopt a centralized help desk model, which manages resources in different regions.

Fourthly, IT managed support services help fix an issue as soon as it arises, eliminating downtime and ensuring seamless functioning of your business. The client has the option of using a resource either on a full time or on a part time basis, depending on the project or issue at hand.

Other advantages include: the close working of the IT managed services professional along with the company’s own personnel leads to an exchange of ideas, leading to a better resolution of problems. The resources could also train the in-house team, saving costs. Using IT managed services may also free up internal resources, who could then work on the company’s core competencies.

Better performance, a continued uptime, a secure and risk-free environment, and the flexibility to scale up down or work full time or part time, and significant cost savings is why companies – whether small or big – prefer IT managed support services.


What You Must Know About Your Health Insurance Plan

Health insurance coverage is something you typically don’t give much thought – that is, until you or someone you love needs it. This very thing happened in my family. My husband, son and I carried group health insurance through my husbands’ employer. Shortly after we married, I persuaded my husband to switch from the Blue Cross plan (80/20) to the HMO offered by his employer. Premiums for the HMO were somewhat lower and there was better coverage for doctor visits and pharmacy.

Within 2 years of switching health plans, my husband was diagnosed with lymphoma, a slow-growing cancer. The prognosis was good, but treatments, medications, and hospital stays were exorbitant. Medical expenses would have been overwhelming had we not switched to the HMO plan. Our HMO health insurance plan covered almost all expenses we incurred with his illness. We basically only paid our co-pays, and, of course, our premiums. In fact, our health plan still pays for his treatments.

Should everyone change to an HMO health insurance plan? Not necessarily. What is important is to know basic facts about our health plan. Important questions to answer include:

What does the health plan cover? Does the coverage meet your needs? Some plans do not include wellness care and preventive care, while others do. If you require many prescription drugs, are these included in your plan?
What does the health plan NOT cover? Health insurance plans usually do not include cosmetic surgery (unless the surgery is reconstructive, repairing damage from burns, an accident, etc.). Major medical insurance plans will only cover   and other “major medical” expenses.
Who does the plan cover? Family coverage includes immediate family in most cases, spouse and minor children. Are children covered while in college, for example? Are stepchildren or children in custody of the other parent covered? Some health plans cover any child in the family, some cover stepchildren (usually only if they live with you, however). Some plans only cover children who live under your roof. What about foster children, or other children under your care (grandchildren living with you, etc.)
How much are co-pays and deductibles? Most managed care plans require co-pays whenever you receive health services, but may require no deductible. A fee-for-service plan typically includes an annual deductible as well as co-pays for services received.

What health care providers (doctors, pharmacies, durable medical equipment) are covered under your health plan. Most managed care plans network” of contracted health providers and may not cover providers out of their network. If choice of health care provider is important to you, you should ensure that your providers are in the plan network, or choose a fee-for-service l that covers any provider.

These are just a few questions that you should consider if choosing a health insurance plan. Information about your specific health insurance coverage is very important to have. The last thing you want to be concerned about in an urgent or emergent health situation is “is this covered by my health plan? Be prepared by knowing basic facts of your particular health insurance plan.

Here’s to your continued health!

Kay Lowe holds a Master’d degree in health care and has 30+ years in the health care field. She is also webmaster for Heal /health_insurance.html], a website dedicated to disseminating health information.

Are You Throwing Money Down The Drain on Your Current Health Care Insurance Policy?

A discount health care plan is more important today than ever before, because of life’s unpredictability. Who knows what the future holds for us when it comes to our health and ability to work. We all have responsibilities in life and the bills do not stop if we become injured or ill, to the point of affecting our ability to work. For many of us, after paying the bills, we have little left over to survive in between pay periods. This is where discount health plans, health and dental discount plans, and a discount family health plan come in extremely handy.

With these plans, policyholders have the ability to save a great deal of money on different services such as health and dental procedures. Some of these savings can be upwards towards around 50% less than the cost of employer offered health care plans. The savings and costs you experience will be determined by a multitude of aspects in your life that includes, the area in which you live, your income, and your age. The help ease the burden of ever rising health care cost many companies are creating discount health care plans. This provides a peace of mind if you were ever to become injured or ill, this means that you will still be able to afford the daily necessities and bills if the event ever occurs.

Now, what can you do to find an affordable discount health care plan?

1. These are available for the entire family or just for yourself. You must remember however, this is not health insurance. This is a discount family health plan, providing you services and products at a steep discount from regular price. Find health and dental discount plans that works best for you, your family situation, and your household income.

2. Many discount health plans are available to you for a fee. These fees are on a monthly to yearly basis depending upon the company you choose. It is important that you understand the charges and you have the ability to pay this fee, as it comes around. The fee entitles you to a discount health care plan that gives you steep discounts at participating providers and prescriptions from pharmacies. This includes any hospital visits as well, if it is included. Again, you should choose based on what the discount health plans offer and make your decision accordingly.

3. Choose a discount health care plan that gives you the greatest options when it comes to service providers such as doctors, pharmacists, hospitals, and other facilities. Having choices is your best bet, meaning you have a wide variety of options and can choose the facilities you use.

4. Make sure the health and dental discount plans you choose has providers within your area, or very close to it. If the providers fall an hour or more away from where you live, the discount is not going to do you much good. You will need to pay for gas to get there and perhaps it is just not convenient for you to drive that distance. This means the discount family health plan is a waste of money for you and your family.

5. Do your homework. This is important to finding the best plans, services, and price. Compare different discount health plans with each other and find the most suitable for you needs.

6. As stated earlier, you can get a discount health care plan for yourself or for your entire family. The more people you add the more costly it is likely to be. Therefore, ensure that you find something affordable, but still provides your entire family with the discounts on health and dental services that will prove beneficial. Many companies will offer you a discount family health plan, to serve your whole family.