Learn How to Become A Pro in Eyelash Extension

The goal of putting on makeup is to make you more confident with your own appearance. The right application of makeup can really accentuate your character and personality and to make you more attractive. Of course, you want everything to be perfect including the perfect eyelashes. Many women who don’t really have long and beautiful eyelashes want to apply eyelash extension and that’s a promising prospect for beauty and makeup practitioners.

Eyelash extension isn’t something you can wear by yourself at home. It requires skilled and trained professional to perfectly apply the eyelash extension with impressive result while preventing risks to your eyes. Having this kind of skill will be very valuable for those who works in beauty and makeup business. You too can learn this valuable skill to improve your professional skills and able to provide better services to your clients. Even better, now you can learn this skill from the expert online. This online Eyelash Extension Course is available at Zeqr, the platform for real time online course. This platform has expert contributors and course providers who are professional at their field including professional makeup artists and beauty care therapists willing to share their knowledge and experience. Advanced technology including real time HD video conference, chatting app, and screen sharing allows the course session to be very effective.

Learning about eyelash extension, you are recommended to take Eyelash Extension Artistry Intermediate Class by LeVonne King. She is a beauty artist and a teacher of eyelash extension application and design at Lash Fanatics Academy where she has been training many professionals in this field. This course is designed for those with basic knowledge in makeup artistry and will focus to give comprehensive knowledge about eyelash extension and its design as well as giving practical skills on how to apply eyelash extension professionally.

Low-Cost Health Insurance Coverage Plans

A study was done by the CDC, The Centers for Disease Control and Prevention, that showed that 44,786 people suffered deaths because of a lack of health coverage. Factors that contributed to these deaths were a obesity, cigarette smoking, and excess drinking. These people more than likely never had a physical and never had a physician educate them and inform them when they were not taking care of their bodies. Low cost health insurance coverage is very easy to get but since the media is so blanketed with advertising from large scale corporations, it is incredibly difficult to find these companies.

An increasing number of Americans are becoming either underinsured or have no insurance and this is contributing to excess deaths in our country. A study put out by Harvard Medical School and Cambridge health alliance show that those who were under 65 had a 40% increase in death against those who were carrying health Coverage.

‘Excess deaths’ have been shown higher for males, who experienced a 37% rise in premature deaths due to poor health habits that would have been caught by a physician.

Low cost health insurance coverage is very easy to get but still many Americans remain uninsured. According to a professor at the University of Harvard, one American will die every 27 minutes due to a lack of health coverage. This is estimated to be a very conservative figure and this study was done in 2008.

In 2009, one American will die every 13 minutes due to a lack of health insurance. Your health is nothing to play with, especially low cost health insurance coverage is available.

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Lack of Affordable Health Insurance Causes More Headaches For Migraine Patients

At times, some people minimize the necessity of health insurance. Can’t people just visit the hospital, regardless of their ability to pay? Emergency rooms are required to admit all comers. While that is true, emergency rooms are not ideal for treating chronic conditions. By the time people get there, they are often in dire straits. Treating them often ends up being more expensive and less effective at that point, since their health has worsened.

Migraine sufferers are a case in point. Their issues go beyond simple headaches; the throbbing pain can negatively impact their daily lives to a severe degree. As it turns out, hospital emergency rooms are more likely to provide substandard care for migraines. They are simply not equipped for such purposes. Patients with affordable health insurance are more likely to visit doctors or hospital outpatient departments.

The study from the Cambridge Health Alliance found that emergency rooms, where uninsured patients tend to receive their care, are five times as likely to offer worse treatment of migraines. That leads to the disparity of uninsured migraine patients being twice as likely to receive worse treatment.

Why do uninsured patients have worse outcomes? Emergency rooms do their best to treat the acute condition, giving a prescription for a narcotic that alleviates immediate symptoms. However, they do not typically prescribe the correct drugs found to decrease the chance of future moderate to severe headaches, such as DHE (dihydroergotamine). A primary care physician is more likely to have a steady relationship with a patient, and better able to help him or her manage their condition.

The authors of the study believe that up to 5.5 million patients will be assisted by a quality health insurance plan that covers severe migraine treatment.

New Controversial Health Insurance Options

Last Wednesday, state officials declared their intention to go ahead with new, highly controversial health insurance options aimed at state employees in light of the vote of a legislative oversight panel geared at stopping the action.

The resolution stating that the state will not expand self insurance health care options was adopted by The Commission on Government Forecasting and Accountability (COGFA), as supporters stood by the measure, saying that this action would actually stop the health care changes from being able to be implemented, as the resolution includes a new self insured open access plan as a health insurance option for state employees.

The Office of the Governor, Pat Quinn, however, denied the measure, saying that The Commission on Government Forecasting and Accountability actually does not have the legal authority necessary to adopt such a resolution. This finding was seconded by the Department of Health Care and Family Services. As a spokesperson for the Governor stated the intention of the administration to move forward, even the Commission on Government Forecasting and Accountability co chair voted against the resolution, saying that the organization moved past its legal authority in the situation.

The final result of the legal scuffle is that the state will assume the risk of paying insurance claims for state employees instead of insurance companies, as would happen under fully insured plans.

The health insurance contracts for state employees were bid upon early in the year. Two offers from Health Alliance and Humana HMOs were rejected, citing their excessive cost. The state, to replace them, selected Blue Cross Blue Shield and PersonalCare, as well as an open access plan from HealthLink, as the HMOs of choice for the state.

The main focus of the switch was to save the state money, of which reports claim will happen in excess of US $1 billion over the course of the next 10 years.

The Commission on Government Forecasting and Accountability remains unconvinced of the position of the other governmental agencies, with some of the legislative supporters predicting a lawsuit from one or more of the insurance groups that had their offers rejected. Some legislators on both sides have stated this outright.

The government agencies in support of the switch base their findings on independent third party consultations including those by Mercer. They have found that state employees who are actually on HMOs has dropped by 42% and that the open access plans are much more expensive for the state in general.

Health Cards and Health Insurance Are Very Different

Recently there has been a proliferation of advertisements for health cards. These cards claim to offer access to high quality and affordable medical care, dental care, prescription drugs, vision and other health care services. The rates vary but may be as little as $20 a month to as high of $125 a month for a family. The two big selling points of these plans are that they are affordable and that you cannot be turned down.

Exactly what are you buying? Health cards can also be called discount medical programs or plans. This industry has grown so large that they even have their own trade association, the Consumer Health Alliance. Here is the definition of a health card given by the Consumer Health Alliance. “Our member companies make health care products and services, including prescription drugs, dental, chiropractic, eye care, physician, hospital and laboratory services, available to millions of Americans by providing opportunities for consumers to directly purchase health care services and products at discounted rates.” According to the Consumer Health Alliance more then 28 million consumers have purchased these plans for various companies.

The problem lies not in the concept of the programs but in the sale and execution. The most important fact you must know about these health cards is that they are NOT health insurance. Many consumers have failed to understand what they are buying and as a result have been saddled with hundreds and even thousands of dollars in medical bills they assumed would be covered by their health card.

These plans advertise that they are affiliated with networks of medical providers. That is generally true. Their affiliation may even be with some of the national networks that insurance companies use themselves. The plan representative tells you that if you use the services of a network provider, you will get a discount on the service similar to the discounts that insurance companies negotiate when providers join their networks.

One company, for instance, gives you an example. If you see a network provider, that doctor’s normal charge for an office visit may be $120. But with your discount health card, you will only be charged $90 thus saving you $30 each time you visit the doctor, On the surface that may sound good, but remember, the consumer and only the consumer, has to pay the provider $90 every time he visits that doctor.

What happens if we discuss a hospitalization rather than a doctor’s visit. You find you need a hip replacement. According the the American Academy of Orthopedic Surgeons, the average cost of a hip replacement in 2006 was $42,000. You see a doctor who is in the network used by your $29.95 a month health card. You expect to get a significant discount for the procedure because you used a network provider. Remember your doctor visit. You got a $25% discount and only had to pay the doctor $90 of the $120 bill.

But now you have a bill from the hospital for your hip replacement for $42,000. It is also discounted at 25%. That means you owe the hospital $31,500. And you have to pay it. It’s better than owing $42,000 of course, but $31,500 is still a pretty significant amount of money that the consumer has to pay out. Unfortunately, the companies that sell these cards focus your attention on the small services. But, if consumers are smart, they will focus on the big items, which is the real risk of not having health insurance.

For some people who don’t qualify for medical insurance, discount cards may be the only option. Individual health insurance generally is medically underwritten which means if a person has a medical condition that the insurance company does not want to insure, they will be unable to get health insurance. Most states have what are called pool plans, which will insure persons with medical conditions, but as you can imagine, these plans are extremely expensive.

The real danger of these cards is the aggressive methods used to sell them. Many of these plans are actually sold as Multi Level Marketing plans. The sales representatives do not have to be licensed insurance agents, because the plans are not insurance. There interest is in adding people to their downline as that is how they make money. Learning the programs and carefully advising consumers as to what they are buying may not be the most important thing to these sales representatives.

If you are considering buying a health plan, be careful and ask questions. Understand first and foremost, that you are NOT buying insurance. Be wary of extravagant promises of discounts up to 60%. In our hip replacement example, for instance, a 60% discount would mean the service would only cost you $16,800. It is unlikely that a provider hospital would give you that kind of discount. Ask for specifics about hospitals, doctors and procedures. Ask if all the providers honor the advertised discounts. Sometimes doctors and other providers are not even aware they are listed as participants in these plans.

Ask about hidden fees. Often there are administrative fees hidden in the fine print. Be especially careful if there are fees charged for each use of your card. These fees may eat up almost all of your discount.

Discount health cards are never a substitute for health insurance. Before you consider buying one, think about how you will use it. If your need is for less expensive services, such as routine doctor’s visits, dental or vision discounts, they may be worth it. Remember, if you need an expensive procedure such as a hospitalization or surgery, you will be paying most of the bill yourself. No matter what the representative tells you or the advertisements imply, your card will never pay one single cent to any provider. The consumer will always be responsible for the amount of the charge less any discount that might be applied.

Consider your needs and the needs of your family. If you can afford it, buy health insurance. Even a plan with a high deductible such as an HSA will be a better option because at some point after the deductible is met, the insurance will pay the balance of the bill. If you can’t afford insurance or you cannot qualify because of medical problems, a health card may be useful. But before your buy, understand what it is and what it can really do for you.

Health Insurance for Musicians? – An Innovative Austin Program

Austin enjoys the self-promoted but well-deserved reputation as live music capital of the world. In recent years, the city has decided to put its money where its mouth is to ensure that it stays that way. One of the most innovative and socially progressive ways it is doing that is by providing an insurance program for working musicians through HAAM, or Health Alliance for Austin Musicians.

It’s a unique concept. Besides New Orleans, Austin is the only city in the US to provide such comprehensive health care to its local musicians.

“This city loves those who make music for us all,” according to Betty Dunkerley, Austin Mayor Pro Tem and HAAM board member. “What better way than Health Alliance for Austin Musicians is there to show our appreciation? HAAM makes members’ lives better.”

HAAM was created in 2005 as a result of a partnership between local hospitals and the SIMS foundation with support from the city and various Austin businesses. They recognized the tremendous need that existed in the community of musicians in the city for affordable health care. More than 8,000 working musicians live in Austin and most of them are uninsured. Rather than wait for the federal or state government to come up with a plan to help the millions of Americans who do not have health insurance, this community of musicians and their supporters decided to provide that help themselves.

Funding for the organization is provided by business and private donations and various grants. The HAAM benefit day every October mobilizes musicians, local businesses and city officials to raise money for the organization. In 2006 they raised more than $107,000, and more than $180,000 in 2007. Other events throughout the year, such as Austin music backer Nancy Coplin’s BIG SIX-O birthday party recently, donate their proceeds to HAAM as well. Of course, interested supporters may also donate money at any time through the HAAM.

HAAM’s 2007 annual report reveals nearly 4,900 medical, dental and mental health visits which earned a 94 percent approval rating from member-musicians. This success results from a one-of-a-kind collaboration among the Seton Family of Hospitals (clinic visits, prescriptions, hospital services and specialist referrals), St. David’s Community Health Foundation Leadership (dental visits) and The SIMS Foundation (counseling, psychiatric and addiction-recovery sessions).

Membership in 2007 grew to 929 of which 65 percent were age 40 and younger, with 67 percent earning less than $15,000 a year. To receive the benefits from the program, members must live in Travis County and be able to prove that they earn money playing music. For many services, members must pay a small co-pay; some other services are provided for free.

The SIMS foundation was named after Austin musician Sims Ellison who lost a long battle with depression and committed suicide in 1995. His death shocked the Austin community and a group of family and friends decided to create the SIMS foundation to provide low-cost counseling, psychiatric and addiction recovery service to musicians who needed it. The foundation provided more than 2,300 such sessions in 2007.

In addition, through HAAM, more than 573 members made more than 1,300 clinic visits that same year and benefitted from more than 500 hospital services of various kinds as well. Many members also took advantage of the free dental services provided by the organization.

Almost all members are very positive about the work HAAM is doing and the services it provides. Guy Forsyth is an Austin musician who has built up quite a reputation throughout Texas.