chiropractic wellness

your chiropractic wellness

Read and learn more about your chiropractic wellness. For more, visit the Chiropractic website ChiropracticHealthiness.com

Q: What style of chiropractic practice fits with your idea of sickness, health and wellness?

A: I have found NUCCA chiropractic to be the most effective. I won’t go to any others now. Good luck!

Q: Would someone explain the deductible/OOP?
Why apply over the phone? 10 minute enrollment * Instant Approval * Underwriting Advice * ID Cards

Plan Benefit Summary OneDeductible PPO Elite

Monthly Premium 139.90

Deductible Benefit Summary
2,850

Office Copay No

Coinsurance / Maximum Out-of-Pocket 80% (OOP: $2,000)

Lifetime Maximum 25Mil

PPO Network HLK – www.healthlink.com
Don’t see your doctor or hospital in this network?
We have more than 80 PPO networks to choose from.
To customize this plan with a different PPO network call us at 866.425.3341

Maternity Coverage No Coverage

Outpatient Maximum

HSA Ready Yes

Plan Description The high deductible healthÂ plan with a single deductible for the whole family

Preventive Care / Wellness / Routine Physical Subject to the integrated deductible and plan coinsurance. Benefits for preventive medicine services are limited to a maximum calendar year benefit of $1,500 per covered person. The maximum will not apply to routine mammograms, routine pap tests, routine annual prostate specific antigen (PSA) tests, the annual exam for detection of prostate cancer, child screening tests and diagnostic follow up care for hearing loss, and child immunizations. Child immunizations are exempt from any deductible, copayment and/or coinsurance provisions. Child screening tests and diagnostic follow up for hearing loss are exempt from any deductible. If the Optional First Dollar Preventive Services Benefit is purchased (where available), the plan deductible and coinsurance will be waived for the first $500 of covered services performed by a participating provider for each covered person per calendar year after a 12-month benefit waiting period.

Doctor’s Office Visits Subject to the integrated deductible and coinsurance.

Outpatient Lab Tests & X-rays Subject to the integrated deductible and coinsurance.

Outpatient Surgical Subject to the integrated deductible and coinsurance.

Prescription Drugs Subject to the integrated deductible and coinsurance.

Inpatient Services / Hospitalization Subject to the integrated deductible and coinsurance.

Emergency Room Services Covered charges are subject to the integrated deductible and coinsurance.

Ambulance Services Professional ground or air transportation in an ambulance for a covered person who needs emergency treatment for a sickness or an injury to the nearest acute medical facility that can treat the sickness or injury. The ambulance service must meet all applicable state licensing requirements. Subject to the integrated deductible and plan coinsurance.

Rehabilitation Services Inpatient: subject to the integrated deductible and coinsurance. Benefits are limited to a maximum calendar year benefit of 90 days per covered person. Outpatient: subject to the integrated deductible and coinsurance. Benefits are limited to an outpatient physical medicine services maximum calendar year benefit of $3,000 per covered person. Outpatient physical medicine services (rehabilitation services) include benefits for chiropractic care.

Chiropractic Services Subject to the integrated deductible and coinsurance. Benefits are included in the outpatient physical medicine provision which has a combined calendar year maximum of $3,000 per covered person.

Mental Nervous / Substance Abuse Subject to the integrated deductible and 50% coinsurance for participating providers, 70% coinsurance for non-participating providers. $2,500 calendar year maximum.

Complications of Pregnancy Covered charges are covered the same as any other illness.

Calendar Year Maximum None.

Plan Exclusions Exclusions consist of the following, but are not limited to: illness or injury caused by war (whether declared or undeclared), commission of a felony, attempted suicide, influence of an illegal substance, or a hazardous activity for which compensation is received; routine hearing care, vision care, surgery to correct vision, routine foot care or foot orthotics, except for podiatric appliances for the prevention of complications associated with diabetes; cosmetic services; routine dental care unless the dental insurance option is chosen; diagnosis and treatment of infertility; maternity and routine nursery charges unless the maternity option is chosen; growth hormone stimulation to promote or delay growth; genetic testing, counseling and services; charges to treat sexual dysfunction or inadequacy or to restore or enhance sexual performance or desire; over-the-counter products; charges related to “quality of life” or “lifestyle” concerns including, but not limited to: smoking cessation, obesity, hair loss, or cognitive enhancement; charges incurred due to a pre-existing condition until you have been continuously insured for 12 months (unless the condition has been specifically excluded from coverage).

Pre-Existing Condition
A Sickness or an Injury and related complications:
1. For which medical advice, diagnosis, care or treatment was sought, received or recommended from a provider or Prescription Drugs were prescribed during the 12-month period immediately prior to the Covered Person’s Effective Date, regardless of whether the condition was diagnosed, misdiagnosed or not diagnosed; or
2. That produced symptoms during the 12-month period immediately prior to the Covered Person’s Effective Date which reasonably should have caused or would have caused an ordinarily prudent person to seek diagnosis or treatment.

A pregnancy that exists on the day before the Covered Person’s Effective Date will be considered a Pre-Existing Condition, subject to the Pre-Existing Condition definition. DEF: 500.002.TX

These rates are only valid for policies issued with effective dates from 5/1/2008 to 5/28/2008. Rates quoted for more than 30 days in advance of the effective date are subject to change and are not guaranteed. This proposal is not an insurance contract. Only the actual contract provisions will apply. Final rates may vary slightly due to the rounding process. The effective date on the quote does not guarantee coverage and is subject to change. The preferred rates are subject to final underwriting approval. Applicants may be subject to a pre-existing condition limitation on benefits. Refer to the certificate of insurance for terms and conditions.

For applicants under age 40, to qualify for preferred rates, cholesterol readings, if known, must be under 220 and blood pressure readings, if known, must be under 140/90 bp.

Preferred rates are not available to every customer. Generally, you must be in good health in order to receive the preferred rate. These rates are determined and subject to change based upon your application and medical history, our underwriting requirements, and any additional benefits you may select.

A: Well done by Christine R.
You also need to know this plan is a Qualified High Deductible Health Plan which makes it HSA compatible. That means you can open a Health Savings Account and deposit up to $2,850 each year. The deposit is written off your taxes just like an IRA. If you spend the money on qualified expenses the account remains tax free. If you don’t spend the money it remains in the account for future use. Qualified expenses include the decutible, dental, vision over the counter medications, etc.

This plan has a lifetime benefit of $25 million most other individual plans cap at $5 million

Michael,
The HAS’s actually cost me ( the broker) money. High deductible plans have lower premiums which = lower commission.
The HSA bank account provides no benefit to the broker/agent and saves the insured hundreds if not thousands over traditional plans. I suggest you learn about HAS plans if you are going to comment on them. I woul dbe glad to run you a quote you can use to compare to health link.

http://www.hsainsider.com/

Q: HELP ME WITH HEALTH!!! 10 points to best answers?
12. Which law helps to allow donation of organs without cost to the donor?
Good Samaritan Act
HIPAA
Uniform Anatomical Gift Act
DSHEA

13. Lucretia is having abdominal pain and decides she needs to have certain points in her foot massaged to control her pain. What type of unconventional medicine is she using?
acupuncture
iridology
reflexology
naturopathy

14. Marcus is complaining of a headache and his friend suggests to him that he should have a spinal adjustment to make the pain go away. What form of unconventional medicine is this friend most likely suggesting?
homeopathy
chelation therapy
iridology
chiropractics

15. Which of the following does not contribute to homelessness?
substance abuse
catastrophic financial event
domestic violence
medical insurance

16. What government agency helps homeless people find shelter?
FDA
FAA
HUD
CDC

17. Which policy helps protect patients’ privacy and insurance coverage?
FDA
HIPAA
OSHA
CDC

18. You stop at the scene of an accident and notice a woman face down in a puddle of water. You turn her over and determine that she is unconscious. What law enables you to proceed with emergency care?
Good Samaritan Act
Uniform Anatomical Gift Act
Controlled Substances Act
Dietary Supplement Health and Education Act.

19. What law prevents heroin from being prescribed by physicians and health care providers?
Occupational Safety and Health Administration
Workers’ Compensation Fund
Controlled Substances Act
Dietary Supplement Health and Education Act

20. Which of the following would help you to get the best health care information currently available?
Surf the .com websites for the most current treatment and prevention information.
Obtain oils from the neighbor to put on your feet to soothe your sore throat.
Buy the most current herb from the television infomercials.
Research a medical condition at the library of your local hospital.

21. Who pays most of the health care costs of patients over the age of sixty-five?
HIPAA
CHIP
Medicare
Institute of Medicine

22. Which of the following is not a reason why health care costs are spiraling upward in the United States?
lawsuits and need for legal coverage
advancements in technology
increased job losses and loss of benefits
decreasing numbers of uninsured

23. When people do not have adequate health insurance or good access to health care, where do they typically go for health care services?
the emergency department of a local hospital
a health and wellness clinic
a doctor that used to be on his or her insurance coverage
an herb shop for alternative medicine ideas

24. Which of the following is not a technological advancement of the twentieth century?
microscopes
artificial hearts
laser surgery
MRIs

25. In the United States, which drug resistant lung infection is increasing in frequency due to homelessness and other diseases?
malaria
tuberculosis
HIV/AIDS
cancer

26. Which of the following is not one of the top ten leading objectives outlined in Healthy People 2010?
Reduce the use of tobacco.
Increase the use of nutrient supplements in diets.
Reduce the use of harmful substances including drugs and alcohol.
Increase the use of helmets and safety belts to prevent unintentional injuries.

27. Which of the following environmental factors is not a major concern listed in Healthy People 2010 report?
available housing
food safety
clean water
landfills and waste

28. What is the main goal of Healthy People 2010?
disease control
health promotion
values clarification
ethical exploration

29. What is the role of OSHA?
regulates safety in the workplace
regulates employee wages
researches cancer and other diseases
researches sea life and finds new creatures

30. The value compassion affects a community by causing its members to do which of the following?
run organizations that help the needy
compete with one another for jobs and money
sue others when they break contracts
punish criminals when a crime is committed
Service Activity Questions

Please answer the following questions about your service experience (referred to in objective 4). These questions will not affect your grade on this Speedback assignment.

31. What category best describes where you per

A: I am afraid you are in the wrong category. The Yahoo Answers category is for questions like “How do I get to Level 2 on Yahoo Answers”?

Try asking your question again in one the the Heath Categories or in Homework Help. Here is a link to both:

http://uk.answers.yahoo.com/dir/index;_ylt=AiPkAj0_WwQTbDlfJNU9NHUGJ3RG;_ylv=3?sid=396545018

http://uk.answers.yahoo.com/dir/index;_ylt=AuY1UZIcT6tNYMsim0rXcR8.KXRG;_ylv=3?sid=396545134