About Managed Care Health Plans

Managed Care Plans are health care plans that contract with area health care providers who agree to provide discounts to plan members or other favorable pricing in exchange for a stream of referrals. Generally, plan members must go to these contracted providers in order to receive non-emergency services. Premiums are generally lower for managed care plans than they are for other kinds of health insurance offering similar benefits, but access to care is generally restricted to the approved list of care providers.

Types of Plans

  • There are three basic types of managed care organizatons: Health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans. All of them contract with a limited numbers of plan providers in the service area. The list of contracted providers is called the “network.” Managed care plans tend to emphasize access to preventive care services.

History of Managed Care Plans

  • Congress passed the Health Maintenance Organization Act in 1973 that subsidized start-up costs for managed care firms and required companies with 25 employees or more and which offered traditional health insurance benefits to offer a qualified HMO plan as well. This requirement expired in 1995, but by that time HMOs and other managed care organizations were well established in the workplace market.

Preferred Provider Networks

  • Preferred provider networks also contract with a specific network of care providers, but do not typically require a referral from a PCP in order to cover visits to specialists. They provide coverage for ‘out-of-network’ services as well, but at reduced rates. For example, visits to out-of-network providers may require large copayments (flat-fees per visit) or require the plan member to pay a greater percentage of costs out of pocket.

Health Maintenance Organizations

  • HMOs require plan members to select a primary care physician, or PCP. The PCP acts as a ‘gatekeeper’ to the plan network. Except for emergencies, all covered visits and services to specialists first require a referral from the PCP. In practice, these restrictions are effective at controlling costs. HMOs frequently have the lowest premiums for a given level of covered services compared to other private health care plans.

Point of Service Plans

  • Point of service plans encourage the use of a primary care physician, but it is not a requirement. Visits to specialists are still covered, but you pay less out of pocket if you first get a referral from a primary care physician. In a sense, they are a combination of the HMO and PPO approach.


  • Managed care plans — particularly HMOs — have come under criticism from consumer groups for restricting access to medically necessary care. Criticisms include the perceived conflict between profitability and providing quality care, the administrative termination of doctor-patient relationships, and the perception of reduced patient contact time. According to data from the Henry J. Kaiser foundation, managed care plan members rated their plans lower than traditional insurance plans.

How to Cover a Pregnancy With Health Insurance

Cover a Pregnancy With Health Insurance

The average cost of having a baby is $6,378 for a normal delivery, $10,638 for a cesarean. The best way to ensure your pregnancy will be covered by health insurance is to plan ahead, making sure you obtain insurance before you become pregnant.


  1. Try to have health insurance before you get pregnant. If you haven’t had insurance coverage at all and then get insured through a group plan, the new health plan does not have to immediately cover your pregnancy and could make you wait a couple of months before coverage is offered.
  2. Find out what kind of coverage your health plan or prospective plan provides for birth, adoption and pregnancy. Look at what type of maternity, preventive and well-baby care the plan provides.
  3. Ask potential employers if the health insurance they offer covers maternity.
  4. Avoid switching jobs if you are pregnant. If you do begin a new job during a pregnancy, it is possible that you might have to wait up to a couple of months for coverage.
  5. Consider applying for Medicaid if you are uninsured and meet the program’s low-income requirements.
  6. Contact your state insurance department for more information on how to cover your pregnancy and ask what other types of low-cost insurance plans they offer.
  7. Think about applying for COBRA to cover your pregnancy if you are between plans. COBRA is a federal law that provides health insurance for qualified workers, their spouses and their dependent children if they are between plans.
  8. Try to get on a group health plan through your job or a professional organization if you are uninsured and pregnant. These will be less expensive than purchasing individual insurance.

Home Health Monitoring Helping Elderly Living Independently

Eventually we all get old and in many locations the life span of people can be quite high as well. This is why socially services become tremendously necessary in such cases especially when elderly people prefer to live alone in their own home rather than being relocated to nursing homes or institutes. Ever since more and more, older adults have developed a preference of living alone, home health monitoring systems for the elderly started to be developed to help them safely spend their lives on their own. For older adults regularly estimating their health condition is very important and the elderly health monitoring technology made it possible to monitor their physical activities, daily habits and physiological functions.

The most popular health home health monitoring systems of today were a lot designed such that they would not put pressure on the elderly by disturbing their daily lives. These elderly health monitoring systems were designed to be ideally unobtrusive. Before the development of these systems which would help elderly to live independently, quite a lot of research has been carried out. In order to ensure that these systems would successfully help the older adults to live alone, the sensors which are a part of these systems were tested by placing them in the homes of elderly living alone. Not only did these home health monitoring systems made it possible to monitor the health of these elderly, but they did not even worry about the operation of the sensors or the wires.

Another ideal aspect that elderly can conveniently benefit from elderly health management and monitoring systems and safely get to live at home is because these systems are quite cost effective. These sensors included in these systems are usually very inexpensive and can therefore be placed in every room of the home. This means that not only do the elderly get to independently live in their home but they even get to more around freely while being monitored at every moment.

The monitoring process of the home health monitoring systems includes principles such as:
The duration the elderly stays in each room
No-response time interval
Patterns of movement

By monitoring all of this it becomes possible for authorities to ensure that the elderly could receive immediate health care in any situation of an adverse health incident or accident. As for the elderly themselves, these elderly monitoring systems are the perfect solution which allows them to independently live at home.

4 Health Tips For Racing Pigeons


Just like any other animal, racing pigeons deserve to be properly treated in order to stay healthy. If you own and race pigeons, you must be aware that pigeons should not only appear good on the outside. They must feel healthy on the inside as well.

It is a common fact on pigeons that they are good in hiding their true conditions. It is very hard to distinguish healthy pigeons from the sickly ones just by merely looking at them. This is because of the birds’ natural instinct to look healthy even if they’re not.

The only way to find out that a racing pigeon is already weak is by holding it with your hands. You’ll notice right away that the pigeon is now as light as a feather. This is caused by bio-organisms and bacteria that gradually stress out the pigeon, making them lose their appetite when eating.

If you really want your racing pigeons to deliver a top performance during competitions, then you must start taking care of their health. Here are the things that you must consider to give your pigeons a stress-free life.

1. Get Rid of Moisture
Moisture is the number one drawer of viruses and parasites in your pigeons’ loft. You have to make sure that water is not entering the loft’s roof whenever it is raining, and there’s no part of the loft that is prone to leaks. Keeping the pigeons dry will prevent them from being irritated and they will not be bothered by parasites that can cling on to their bodies.

2. Have Proper Ventilation
Keeping the loft well ventilated greatly improves the health of the pigeons. A regular breathing habit is essential for the pigeon’s longevity in the sky when racing. Anything that the pigeon breathes in is reactive to his performance, therefore you should avoid dust and other unnecessary particles from entering the loft that could make the pigeon breathe heavily.
Also, for the loft to be properly ventilated, avoid overcrowding among the pigeons. The temperature will be more favorable if there are only a few pigeons that occupy a loft. Also, if in case one pigeon catches a disease, there’s a lesser chance for the other pigeons to get infected.

3. Provide Clean Food And Water
This factor is already self-explanatory. Just like human beings, your racing pigeons must be fed with fresh and clean food and water. Leftover foods that are oftentimes soiled already can greatly affect the bird’s digestive system, bringing forth diseases that could slow down the pigeons. Make sure that the foods that you give your pigeons are of the highest quality, and that the containers are thoroughly cleaned and disinfected.

4. Regularly Scrape off the Droppings

Organisms such as coccidia and worms are sometimes present in pigeons, and these are normally passed off in the droppings. If another pigeon eats a dropping, then the bacteria have been transferred already to the pigeon that ate the dropping. In order to prevent the disease from spreading, scrape the loft daily.

These are the things that are oftentimes overlooked by pigeon fanciers. Just make your racing pigeons’ health your number one priority, and watch them soar to greater heights during competitions!

Avoid Embarrassing Problems by Treating Haemorrhoids Properly

There are some truly painful and annoying problems that arise in and on the human body which can also be quite embarrassing to deal with and talk about. A haemorrhoid is one natural occurrence which can turn into an uncomfortable and potentially embarrassing problem, and if you are dealing with them, it is important to understand what they are, why they occur, and most importantly, how they can be cured quickly and effectively, thereby allowing you to lead a pain and irritation free life.

Understanding the Problem

A large number of health issues which are difficult to discuss or seek help for openly occur in connection with our digestive systems; most people would not feel comfortable discussing their most private moments, leave alone irregular or difficult bowel movements. As a result of this general discomfort, the process of seeking help and making necessary and urgent appointments with medical professionals is delayed, thus causing the problem in question to fester or worsen.

It is important to first understand that discussing problems pertaining to digestion and bowel movement irregularity is of the utmost necessity in order to quickly develop an action plan which will nip it in the bud and prevent further infection or related problems. Consult with medical professionals and share your discomfort with them in detail in order for them to examine and assess your problem effectively. What you consider as being minor pain or discomfort may actually be a haemorrhoid, an issue which could quickly turn into a constantly bleeding mess which will only worsen with each strained bowel movement.

Haemorrhoids occur due to a variety of reasons, including constipation, pregnancy, and other issues which cause the body to create uncomfortable bowel movements that then cause veins in the anal region to swell, rupture, and sometimes become infected. While they are an embarrassing problem to talk about, they need to be tackled at the earliest stage in order to prevent further suffering.

Some of the painful symptoms within your body which might occur include blood while having a bowel movement, general pain in the region, and overall discomfort while sitting, standing for long periods, and walking.

Treatment and Prevention

Also known as piles, this painful problem can be cured with the help of a number of effective, fast-acting oral formulas which can be easily ingested. This method is simpler and less stressful than the topical application of lotions which can be messy and uncomfortable, not to mention less effective since they will no doubt spread around the skin.

Oral cures for piles will ensure that you are tackling the issue from within and are treating your body to a cocktail of powerful, effective medicines which remove infection, reduce swelling, and target the growths, ridding you of them in a matter of days.

Apart from the intake of these effective oral supplements, it is also important to adopt a healthy diet and eating plan which includes regular doses of fibre-rich food. This will help your overall healing process.



Achieving Optimum Health

“Ideal wellbeing is the nonappearance of sickness as well as the vicinity of health in mental, passionate, physical, otherworldly and social regions. Some would likewise incorporate monetary wellbeing.”


Ideal wellbeing is crucial at all levels, from the person to the general public we live into the earth around us. We need to begin considering riches not simply regarding ownership of cash and properties additionally the ownership of mental, passionate, physical, social and otherworldly prosperity.


Psychological well-being

The fact of the matter is brain is the herald of all states.

With a fitting attitude, a poor man can even now be upbeat. Then again, if the outlook is not right, regardless of the amount of material belonging you may have, you may in any case be an exceptionally troubled individual. Accordingly, Gandhi said, “The world has enough for everybody’s necessities, except insufficient for even a solitary individual’s ravenousness.”

So a sound personality is one that has an outlook that can prompt satisfaction and happiness with self and our general surroundings. It gives clarity of considerations, great understanding and the capacity to see things through a fair personality.

To have the capacity to see things through an impartial personality is no little accomplishment. It is to a great degree hard to note or watch the developing of occasions and wonders without judging. We frequently relate feelings or sentiments to occasions, and permit such feelings to coordinate our activities. Our preferences for specific things and abhorrence’s for others are firmly connected with our feelings.

Enthusiastic Health

It is our feelings that lead us to act rashly on different concept of University of Cincinatti. Therefore an abnormal state of mindfulness here is greatly helpful. Actually, it is key to our prosperity. All things considered, things and connections that may take us years to construct can be demolished in a minute of resentment.

There are sure and negative feelings. Positive feelings, for example, love, sympathy and euphoria ought to be developed, while negative feelings, for example, trepidation, outrage and scorn should be killed.

At the point when gotten some information about this, an insightful sage of India once outlined with a story:

An old man said to his grandson, “Kid, I have two tigers confined inside of me. One is affection and empathy. The other is apprehension and displeasure.”

The young man asked, “Which one will win, granddad?”

The old man answered, “The one I nourish.”

Now and again, it may appear that we have no influence over our feelings. This is not genuine. The fact of the matter is the way well we deal with our feelings relies on upon how mindful we are of our feelings, especially on the emerging of our feelings. The prior we have the capacity to take note of the emerging of our feelings, we better we can oversee them.

More investigates are demonstrating that our prosperity is firmly connected to our enthusiastic and psychological wellness. Our body’s resistant framework is for the most part upgraded by positive mental viewpoint and feeling. On the other hand, it is discouraged by negative mental and passionate states. In this manner, anxiety, stress, outrage and trepidation are a few expresses that may prompt physical ailments, for example, hypertension, heart infections, peptic ulcers, melancholy and a large group of different afflictions.

Physical Health

To keep up an ideal physical prosperity, in this way, obliges us to concentrate on our body as well as our brain and feelings.

On a physical level, our body can be kept solid through satisfactory rest and rest, legitimate sustenance, general activities and a sound situation that is free from contamination.

Profound Health

All through the ages, insightful men have reliably educated in University of Cincinatti and taught us that we are basically profound creatures.

Albeit medicinal science has not possessed the capacity to uncover to us our profound nature, there are numerous aberrant confirmation that we would be silly to disregard. Stories from individuals who had experienced a close demise experience (NDE), or passing on individuals with uplifted nearing passing mindfulness, or essentially a cure from a “serious” malady all recommend that there is a whole other world to life than simply the physical state.

Real religions of the world all construct their teachings with respect to the conviction that we are basically otherworldly creatures. As indicated by these teachings, our physical presence is optional.

While the facts may confirm that we ought to centre our life more on our otherworldly nature than our physical nature, it would be troublesome for the larger part of individuals to do as such, in any event not promptly. Things can’t change overnight. Outlook, on the other hand, can, and that is maybe the best place to begin.


How to Sell Discount Dental & Health Plans

Discount dental and vision plans are typically sold as an add-on to major medical policies, both in group and individual settings. You will need to obtain an insurance license to solicit and sell insurance in your state, including discount dental and vision plans. Because premiums on these plans are low — only a few dollars per month in most instances — you will need to either sell them in conjunction with a larger plan, or find people to enroll in large numbers.


  1. Obtain a health insurance license. You can find the requirements specific to your state by visiting the National Association of Insurance Commissioners website — click on your state’s department of insurance regulation. You will need to enroll in your state’s approved course, pay a fee and take and pass an exam.
  2. Get appointed. You must be formally appointed by an insurance company doing business in your state to solicit and sell that company’s products. You can get appointed by contacting each insurance carrier in your area directly. They will give you specific instructions and send you a selling contract describing the terms of your relationship with them as an agent, your obligations and their commission structure.
  3. Prospect for new business in person, canvassing businesses door-to-door and asking for an appointment to review their health insurance coverage. Alternatively, you can prospect on the phone, asking to review coverage. Some companies allow you to sell the whole policy over the phone. Some agents open the conversation by asking about their dental or vision coverage, others open by asking about major medical. Your market will vary. The key is to prospect in large numbers and keep appointments.
  4. Qualify the prospect. For a prospect to be qualified, they must be insurable, and they must be able to afford the premiums. If the individual you are speaking with cannot qualify, and he cannot help you reach qualified prospects, move on.
  5. Ask a trial closing question. This is a question that allows you to determine if they may be interested without setting yourself up for a final “no.” Essentially, it is an attempt to find out if there are any unspoken objections left to going ahead with the insurance purchase. A good, brief trial close is, “How does this look to you? Have we covered everything?”
  6. Close the sale. You can do so by asking, “Can I sign you up?” Or you can “assume the sale” by smiling broadly and saying “Thank you. I’ll handle the paperwork.” Then proceed to obtain proper information such as credit card number and expiration date for the first month’s premium — and inform the client that they’ll be covered immediately.

Details of Obama’s Health Care Plan

One of the pillars of the Obama administration’s platform is health care, working on the assumption that popular sentiment in the United States and practical need alike mandate a reform of the country’s health care sector. This is one of the most comprehensive proposals in the history of health provision in America and seems to be in line with other Obama initiatives that call for a more active role on the part of government.
Because of this, the Health Care Reform Bill has encountered serious opposition from many Americans, who maintain it counters the principles of small government, free enterprise and freedom of choice. Comparisons to socialist countries have also surfaced, maintaining the spirit of the reform is un-American.


  • The only government-backed health care options in the United States pending passage of the Obama initiative are Medicare and Medicaid, but these two are not universal and only offer services to specific sections of the population. Importantly, they do not cover working, middle-of-the-road Americans.
    At the same time, the administration has claimed lack of competition in the health care industry and rising costs are making it harder for Americans to obtain quality services they can afford. The purpose of this reform is to provide universal health care as a baseline to all Americans.

Additional Issues

  • The government has also said the reform will address problems beyond affordability. Primary among these are lack of true competition in the health care industry, insufficient information sharing and accountability, lack of consumer choice and a need for more scientific research.


  • The main focus of the Obama plan is universal inclusion of all Americans under a cohesive health insurance plan. As of this writing, the government estimates some 50 million people in the United States do not have any health insurance, causing significant social strife and suffering–with many going bankrupt over medical bills. With a view to centrally managed health care systems such as the ones in the United Kingdom and Canada, the government is aiming to extend coverage to everyone while maintaining choice.

Children’s Insurance

  • A big part of the reform is the Children’s Health Insurance Reauthorization Act, signed by President Barack Obama in February 2009. This segment of the reform basically guarantees health insurance to all children (minors) in the United States, regardless of all other factors.

Preventive Care

  • The government is also saying current health care in the United States is focused too much on health maintenance and medication, rather than on prevention. The reform aims to shift the focus to research and preventive care with a view to reducing costs and keeping people from getting sick in the first place.


  • The reform creates a National Health Insurance Exchange that mixes public-backed and private insurance products, all available to everyone. Public health care will be available to everyone regardless of income or health factors, with the government supervising the industry through clearer standards, pricing rules and information-sharing principles.


  • Funding for the reform is slated to come from the government as well as employers, who will be required to contribute. At the same time, employees collecting health insurance benefits are to have a choice–keep their existing plan or shop for a new one at the National Health Insurance Exchange.
    Tax cuts for wealthy Americans may be scrapped to offer additional funding for the reform–initially families earning $250,000 annually were said to be the threshold, but later this number went up to $300,000.
    While the government estimates its cost at about $50 to $65 billion a year, opponents, such as Republican governor of Minnesota Tim Pawlenty, say the true cost is much higher and would come out of the pockets of working Americans.
    Opposition figures, such as Congressman Kevin Brady in the Republican party and organizations including Conservatives for Patients’ Rights, are also citing fears of big government, inefficient management and violation of state and patient rights as reasons to not go ahead with the reform

Best Health Care Plans in California

The flag of California.
Californians can choose from numerous health care plans. Finding the best plan for you and your family requires balancing costs and benefits as well as studying overall quality ratings for each plan. To help you choose, a number of organizations rate the quality of health plans. These include the nonprofit National Committee for Quality Assurance, California’s Office of the Patient Advocate and publisher U.S. News & World Report. The state health insurance exchange, Covered California, also is developing a quality rating system.

National Committee for Quality Assurance

  • Founded in 1990, the National Committee for Quality Assurance is a private, nonprofit organization that accredits health plans based on quality and quality improvement ratings. In California, more than 60 health plans hold some degree of NCQA accreditation. Of these, four commercial plans and two Medicare plans are rated as excellent – the highest level of accreditation. Kaiser Foundation Health Plan Inc. offers four of the six plans, including commercial and Medicare plans covering Northern and Southern California, respectively. Kaiser Foundation Northern California is based in Oakland, and its Southern California plan is based in Pasadena. The two remaining health plans with an excellent rating include San Diego-based Sharp Health Plan and Sacramento’s Western Health Advantage. More than 20 health plans are rated as commendable, the next-highest rating.

California Health Care Quality Report Cards

  • California Health Care Quality Report Cards rank the state’s largest private health plans on the quality of health care and on how patients rate their experience. The reports currently evaluate 10 Health Maintenance Organizations and six Preferred Provider Organizations. Among HMOs, only Kaiser Foundation Health Plans in Northern and Southern California received excellent ratings in both clinical quality of care and patient satisfaction. Sharp Health Plan earned a good quality rating and an excellent patient satisfaction rating. Blue Shield of California HMO, Cigna HMO, Health Net of California, Inc., UnitedHealthcare of California, and Western Health Advantage earned good ratings. None of the PPOs earned an excellent rating on either measure. However, Anthem Blue Cross PPO and Health Net PPO earned good scores.

U.S. News & World Report

  • In its rankings for 2014, U.S. News used government data to rate 142 private health insurance plans available to individuals and families living in California. Of these, plans from eight insurance companies earned the top rating of five stars. Insurers offering five-star plans included Anthem Blue Cross of California, Assurant Health, Blue Shield of California, Chinese Community Health Plan, Cigna, Health Net, Kaiser Permanente and Valley Health Plan. Among Medicare Advantage plans, only Kaiser Permanente earned a five-star rating.

Kaiser Foundation Health Plan, Inc.

  • Kaiser Foundation Health Plans, Inc. in Northern and Southern California received top marks from all three ratings systems. The plans are part of Kaiser Permanente, one of the country’s largest not-for-profit managed health care organizations. Founded in 1945 and headquartered in Oakland, Calif., Kaiser Permanente covers more than 9 million members. It controls quality and costs using an integrated model of health care. Insured members receive care from physicians operating through Permanente Medical Groups at hospitals and other facilities owned by Kaiser Foundation Hospitals.

Sharp Health Plan

  • Sharp Health Plan received excellent ratings from NCQA as well as good quality and excellent patient satisfaction ratings from California Health Care Quality Report Cards. A subsidiary of Sharp HealthCare, Sharp Health Plan is a not-for-profit HMO serving members in the San Diego area. Like Kaiser Permanente, Sharp follows an integrated model of care.

How to Use Major Medical Health Insurance Plans

Major medical health insurance provides a way for many to be insureUse Major Medical Health Insurance Plansd in case of a drastic occurrences. This type of insurance policy is especially attractive to those who can’t afford (or don’t wish) to pay large premiums for everyday benefits that they hardly use. There are drawbacks to major medical plans, however. The main one is the high deductible that must be paid out of pocket before the insurance kicks in. Here’s how to use a major medical health insurance plan.


  1. Find out the deductible of your major medical health insurance policy. For example, the deductible on my plan was $5,000 per member or $10,000 per family per year. We would have to spend that much money out of pocket before our health insurance kicked in and covered the rest.
  2. Build up a savings account to cover your deductible in case you have a major medical occurrence. Contribute the maximum allowed to your HSA (Health Savings Account) which is automatically offered with a major medical plan. Save any above that in a bank account.
  3. Pay your monthly or quarterly premiums on time to avoid coverage lapse. Reestablishing health care coverage can by costly and is not guaranteed, so keep your coverage current.
  4. Submit all doctor bills to your insurance company, While they won’t pay the bills (you need to pay them using your savings or HSA) they will keep record of your expenses, which count toward your deductible.
  5. Stay as healthy as you can by eating well, exercising, avoiding stress and being safe.

About Pre-Tax Health Insurance Plans

Health insurance plans come in many types, including plans that use pre-tax dollars which is known as a pre-tax health insurance plan or a cafeteria plan. This is the only type of plan that an employer can use to offer employees an option to choose between benefits that are taxed or non-taxed without causing non-taxed benefits to become taxable. A pre-tax health insurance plan needs to meet requirements of Section 125 of the Internal Revenue Code (see Resources).


  • A pre-tax or cafeteria plan can have many types of qualified benefits for employees, dependents, spouses and even former employees. These can include accident and health benefits, assistance for adoptions, assistance for dependent care, coverage for group life insurance as well as a health savings account. Employers that want to set up a pre-tax health insurance plan must specify all benefits as well as have rules in place for eligibility and election.

Premium Conversions

  • A premium conversion is an option that is included with many types of pre-tax plans. This is when an employee’s pre-tax dollars are used to contribute to family health care costs. An employee will need to estimate from year to year the total amount that will be needed for health-related expenses. When this happens an employee’s take-home pay is reduced by the amount that is used to contribute to the pre-tax plan.

Flexible Spending Arrangement

  • A pre-tax plan also includes an option for a medical and dependent care reimbursement account. These types of accounts are referred to as a flexible spending arrangement. This means that an employee can use pre-tax dollars to pay for specific out-of-pocket expenses. The pre-tax health plan will then reimburse the employee for certain types of qualified expenses as defined by the plan.

Health Care Reimbursement Account

  • A health care reimbursement account or HCRA is an account in which pre-tax dollars are deposited to pay for certain types of medical expenses that are not covered by insurance. Expenses can include chiropractors, dental work, birth control and vision care. A pre-tax plan offered by an employer may place a limit on an employee’s contribution, but the law does not set any limit amounts.

Use It or Lose It Provision

  • A pre-tax or Cafeteria plan has a provision known as “use it or lose it.” This means that the amount of pre-tax dollars that have been used to contribute to the plan does not roll over from year to year. If there is an outstanding balance in a pre-tax plan and it is not used by the end of the year the amount left over is forfeited. However, the IRS has loosened the rules for this provision by allowing funds to be used for up to two years and fifteen days after the benefit year has ended.

How to Become a CNA

Home health used to be what your parents did to help you feel better when you had an earache. As baby boomers get older, this is quickly becoming a significant component of healthcare. Certified Nursing Assistants are the bedrock of home health and other healthcare outlets that require patient assistance with activities of daily living. The CNA career path can be very rewarding. Here’s how to become a CNA.


  1. Make sure there is a desire to serve. A caring, nuturing attitude is required for anyone who wants to be in this profession.
  2. Get a high school diploma or a GED.
  3. Complete the six to twelve week program for CNA education offered in most states. These programs may be found via the Internet, yellow pages or word of mouth — check the link at the bottom. Make sure the program is accredited in the state where work is being sought.
  4. Contact state aid registry or licensing program. Board officials will be able to advise on what to look for from an accredited program and as well as a listing of local schools. This is also the organization that will keep a record of any complaints or criminal activity on any CNA.
  5. Pay for the training class. The costs vary from $300 to $600 for a program. Financial aid is often available. Each school will have financial aid requirements.
  6. Send resumes to home helath agencies in the area. Home health is often the primary employer for CNA’s. Many CNA’s work for multple agencies in order to acquire the number of weekly hours desired. Hospitals and nursing homes are also primary employers for CNA’s.

Read more : http://www.ehow.com/how_2305105_become-cna.html


  1. Make sure there is a desire to serve. A caring, nuturing attitude is required for anyone who wants to be in this profession.
  2. Get a high school diploma or a GED.
  3. Complete the six to twelve week program for CNA education offered in most states. These programs may be found via the Internet, yellow pages or word of mouth — check the link at the bottom. Make sure the program is accredited in the state where work is being sought.
  4. Contact state aid registry or licensing program. Board officials will be able to advise on what to look for from an accredited program and as well as a listing of local schools. This is also the organization that will keep a record of any complaints or criminal activity on any CNA.
  5. Pay for the training class. The costs vary from $300 to $600 for a program. Financial aid is often available. Each school will have financial aid requirements.
  6. Send resumes to home helath agencies in the area. Home health is often the primary employer for CNA’s. Many CNA’s work for multple agencies in order to acquire the number of weekly hours desired. Hospitals and nursing homes are also primary employers for CNA’s.