September 2022

You have been sent the form because your health insurance has paid for medical bills which it believes may be the result of someone else’s fault. If so, they want to find out that information because they may have a right to be repaid or reimbursed if you obtain a settlement or recovery against the at-fault person, company or insurer for that at-fault person or company. This is called “subrogation”. Your health insurance policy will probably have a “subrogation” section or clause stating this. It is also in your best interest to complete and return the form to your insurer because if you do not and you get a settlement or recovery in your personal injury case, your company may come after you for the amounts they’ve paid. Under Pennsylvania Law, when you are injured in an accident, you may have to submit your medical bills to your health insurance. You may be wondering why you have to do that if the injury was caused by someone else and they have liability insurance. For example, If you are injured due to falling or being injured as a result of a dangerous condition to property, or as a result of an unsafe product, unless the liability insurance company has “med pay”, you have to submit your medical bills to your insurance. Your insurance may have a right of subrogation, meaning if you obtain a settlement or recovery against a third-party, your health insurance has the right to be repaid. So, in the end, the at-fault insurance company is paying the medical bills by being responsible to reimburse your health insurance company from a settlement. Your health insurance is simply fronting it and the form they want you to fill out facilitates that process. Source by David Schreiber

People who suffer traumatic brain injuries, spinal injuries or other serious injuries as the result of the negligence of a third party must receive appropriate medical care. Victims who do not have health insurance typically obtain medical care on a lien basis, and their liens are resolved after settlement or a judgment is rendered in the case. To determine damages based on medical expenses in these cases the judge or jury must determine whether the treatments were necessary and the charges were reasonable. The entire medical bill is presented to the fact-finder (usually a jury) at the trial. This procedure is very different from that of cases involving medical expenses submitted to a health insurer. A victim whose medical bills are paid by an insurance carrier is only responsible for a co-payment or the deductible. And, insurance carriers almost never pay medical bills in full. Usually, a large portion of the medical bill is discounted because of rate reductions negotiated by the insurance company. As the law stands victims in California personal injury lawsuits who have health insurance receive less compensation than victims who lack insurance. How do the courts assess damages for a personal injury victim who pays medical bills with private health insurance. The cases that deal with this issue have emphasized the public policy of not penalizing victims who have medical insurance. Less emphasis has been placed on cases in which medical bills are written off or deeply discounted due to contracts between insurers and healthcare providers. The issue is important to victims in cases of traumatic brain injuries, spinal injuries, and other serious injuries in which the treatment is usually long and very expensive. The California Supreme Court has ruled that medical bills paid by health insurance should be included in the evidence given to the jury. The Court has stated that a victim should benefit from purchasing health insurance. A victim in a personal injury case can put forth evidence of all medical bills charged regardless of how the bills were paid. Those bills provide the jury with evidence of the amount of damages the victim should receive to compensate him for his bills. The bills also aid the jury as they assess the injuries of the victim. Presentation of the total bills assists a jury or judge in determining how much to award a victim for his or her pain and suffering. But, following a trial at which the full medical bill are presented the defense may request a hearing to reduce the amount of the damages awarded to compensate the victim for medical bills to reflect the write offs or reductions due to health insurance contracts with medical providers. The solution the courts have come up with is eliminating from damages the medical bills that have been written off. This is at odds with the original rationale for allowing the medical bills of insured victims to be introduced at trial. The rule was designed to prevent the negligent party from benefiting from the decision of the victim to purchase insurance. The idea was to encourage victims to have insurance. Reducing the recovery of the victim because of write offs or insurance adjustments benefits the negligent party. If the victim had no insurance the negligent party would be responsible for the full cost of the treatment. It seems logical that since the victim paid the premiums for the insurance, he or she should receive the benefit of any write-offs or contract reductions. Source by W. Galen Gentry

When you think about a career in medicine, you don’t immediately consider health information technology as one of the options. Yet, as medical systems are moving more towards being run by computers, IT professionals with a background in medicine or health are becoming more and more critical. Medical information technology careers are among the fastest-growing domains of study over the last few years. The supply of professionals in HIT fails to meet the demands of the industry. As a career, there’s a lot of room for advancement and promotion. What’s more, it allows an individual to perform valuable support in running a medical facility. Patient records and other crucial infrastructure are now moving to a cloud-based architecture, needing trained experts to help run them. Skilled IT is in Demand in All Areas The field of medicine isn’t the only one that needs skilled IT professionals. Several industries want the most qualified IT professionals in their support departments, leaving healthcare with a shortage. There’s also the glaring issue of having experts in IT that understand the healthcare system. Trained health information technology practitioners to work in this industry need to have specific training in the field. There are openings in the area for thousands of professionals as support staff in medical institutions. Lucrative Professions The most recent statistics demonstrate that HIT experts with experience below the two-year mark could command an annual salary of $62,780. On the upper end of the experience continuum, practitioners with over twenty years within the position could expect to make $122,663 annually. General IT knowledge is the same across all industries. Yet those who preferred to enter this field stood to earn as much as $22,000 more on average than those in other sectors. In healthcare, a background in IT sets you up to enter a highly in-demand field where trained experts are needed. Positions Available There are several distinct positions they may find themselves posted in for those looking at entering healthcare Information Technology. A clinical systems analyst has the responsibility of fixing issues that may occur with electronic medical records systems. They typically need an in-depth knowledge of coding and databases. Chief information officers are in charge of all digital patient records and serve as the head of the internal IT department, delegating jobs to other professionals. While these indicate a few of the industry positions, the demand for HIT specialists will continue to grow as time passes. With more and more medical facilities providing electronic-based data to each other, the need for skilled support staff has never been more critical. Source by George N Anderson

Some insurers have figured out this new model and are masterminding new designed plans that include high deductibles and also higher co-insurances to the degree many carriers are profiting. There are some carriers who have not profited so well with entering this new territory; due to the fact of miscalculating the risk involved with insuring people with chronic health conditions. For carriers who analyzed and targeted their profit margins accurately they are faring well in this market. In the beginning when the government first chose to have this mandate of insuring all people, their idea with the Bronze level plans would payout at a 60% co-insurance level. However, as time has progressed; carriers are designing plans to meet individuals budgets and to fit consumers lifestyle by having high deductible plans that appeals to those with higher incomes. Ask yourself this question; why should I have such a high deductible and pay high premiums at the same time, in order to receive a co-insurance of 80% after spending anywhere between five to six thousand dollars on a Bronze level plan? This does not make economical sense, but this is what is happening in the health insurance business. As long as you are healthy and have the finances to the degree where money is no object, then by all means, continue on with your Bronze level high deductible plan. As a consumer, it is important for you to do your homework and make sure the health plans you are considering purchasing are truly major medical coverage in the event you experience a devastating illness that could wreck your financial portfolio. A number of carriers are also creating indemnity type coverage’s; giving the American people a false sense notion of nothing is going to happen to me in their sales pitch, luring and offering lower premium dollars which are attractive, and though these types of plans will cover minimum medical expenses; however, they are not major medical insurance if a catastrophic event were to occur in your life and you found yourself hospitalized over a certain time period. Don’t be fooled, know the difference between the different type of plans in this health market. “Wisdom is the principal thing; Therefore get wisdom. And in all your getting, get understanding.” Proverbs 4:7. As an insurance professional in the health and life sector, I would recommend people take into consideration their household income to protect their income and assets when purchasing insurance products. None of us would want to suffer financially and on top of that, become physically unable to earn a paycheck for any given time period. As consumers, we are to be wise with how we purchase insurance; which is just as important if not more important as to the type of coverage we choose to have with our financial planning. When wisdom is applied to our daily walk then discretion should follow with every decision that we make. “When wisdom enters your heart, And knowledge is pleasant to your soul, Discretion will preserve you; Understanding will keep you.” Proverbs 2:10-11. Be encouraged and educate yourself on the topics of; different types of life and health insurance products, personal finance, and other information related to business that has to do with money and how money works. Source by Clark A. Thomas

According to Dr. Andrew Jones, DVM, hot spots, or Acute Moist Dermatitis, are on the rise with more and more dogs, cats and various other species of pets needing help with hot spots. Dr. Jones verifies that the most common cause of re-curring hot spots is allergies. Weeding out the cause of the allergy can often take some time leaving behind the problem of hot spots. In the field of pet natural health care, this new natural remedy just may do the trick. Dr. Jones has been testing out this rather new hot spot natural remedy, putting it to the test and finding it’s potential one to be shared with all pet owners particularly those of dogs and cats. First, lets start with the basic pet natural health care for hot spots, how to care for the wound, and an already known natural remedy so that all readers can benefit from this information not only those who have been down this road before. It is important to know that when it comes to natural remedies whether for you or your pet, you may need to try several different remedies, and there are usually more than just one, as nature is full of medicinal valuable qualities. Each pet in it’s breed is unique and what works for one may or may not work for another. Therefore, always try more than just one remedy if the first doesn’t take hold. Signs Itchy, oozing, red painful area on the skin that has an odor. Causes A local area of bacterial infected hair follicles that mostly form in the summer months. The skin can become infected by any scratch or wound causing the hot spot to form. Most common cause is some type of skin allergy. PET NATURAL HEALTH CARE SOLUTIONS Remove hair Removing hair on and around the hot spot should be your first step. It is very important in order to let the skin breath, helping the hot spot to heal. Be sure to use a blunt end scissor such as nose hair scissors. Be as gentle as you can, because the hot spot area is painful and your pet will feel discomfort just from the hair being cut. Clean the Wound It is very important that you clean the wound by using a MILD, non perfumed antiseptic soap to clean. Use a cotton ball and gently dab the wound with the cleaner. Be sure to rinse well and not leave any soap residue behind. Tea and Aspirin The key to healing the hot spot is to get it to dry out and there are some very powerful natural aids that can do this and are probably already in your kitchen. One of them is black tea and the other is aspirin. Make a strong cup of black tea and dissolve an aspirin in it. Immerse a clean cloth in this solution and apply it to the hot spot for minutes. Do this four times a day. The New Remedy – Apple Cider Vinegar Apple cider vinegar has anti-bacterial and anti-inflammatory properties and is used in quite a few other home remedies such as ear cleaning, of which it is highly effective. (I know because I recently used it to clean my dogs ears and it did a heck of a job – better than any ear cleaning solution I have ever purchased). It also houses potassium in high form, which is good for older pets, and can be consumed orally to boost the immune system. I use apple cider vinegar in my dog’s food on a daily basis. Soak a cloth in apple cider vinegar and apply it directly to the hot spot 4 times a day. If your pet is having re-occurring hot spots it is suggested that you begin to address the high possibility of allergies in your pet. Addressing the root of the problem will give you a cure to these hot spots, and for pet allergies Essential Fatty Acids is vital in your pets diet. Good pet wellness practices means getting down to the root cause of acute moist dermatitis by ensuring your pet is treated for allergies through Essential Fatty Acids (EFA’s) in his diet. In the mean time, or in the event your pets allergies act up, use this pet natural health care remedy of apple cider vinegar for pain relief and healing. Source by Michel Jayne

Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans; checking and re-checking the dollars and totals for deductibles and co-pays; making sense of plan limitations and exclusions; deciphering a dictionary’s worth of insurance-speak. It’s enough to make anyone feel like a high-school freshman again. Texas insurance law allows a wide array of health care coverage plans and packages. All group health insurance has its limitations and finding the right employee health plan at the right price can be challenging. In Texas, the term “small employer” is a special insurance designation reserved for businesses with two to 50 eligible employees. The law provides some added protections to these businesses, including a 15 percent annual cap on rate increases due to health factors, a state-enforced guarantee that carriers cannot arbitrarily discontinue coverage, and a cooperative purchasing provision that lets small employers pool their purchasing clout to negotiate lower rates. For employees of small businesses in Dallas, Houston and throughout Texas, the law provides several ways to maintain benefits after leaving a job and limits the waiting period before pre-existing conditions are covered. Beyond these requirements, small-employer carriers may offer a wide variety of plans, with virtually any combination of features and benefits. Small-Business Coverage Eligibility Texas businesses with two to 50 eligible employees may obtain small-employer coverage from either a traditional insurance company or a health maintenance organization (HMO). Eligible employees are defined as those who usually work at least 30 hours per week; are not classified as temporary, part-time, or seasonal; and are not already covered by another group health plan. A business’ owners count toward the employee total. The number of eligible employees — not total employees — determines whether a business is considered a small employer under Texas insurance law. For example, if your business has 60 total employees, it could still qualify if six of the workers are part-time and four have coverage through some other source, such as a spouse’s plan. If you decide to offer a group health plan to your employees, you must make it equally available to all of your eligible employees and their dependents. Coverage is available under a small employer health benefit plan if at least 75 percent of a small employer’s eligible employees elect to be covered. Carriers must always “round up” when calculating the percentage. For example, a five-person business with only three employees wanting to participate satisfies a 75 percent requirement by rounding up. However, in the case of a business with only two eligible employees, the law requires 100 percent participation. A husband and wife working in a business must be counted as two separate employees. Neither of the employees is eligible for coverage as a dependent of the other. If you provide a health plan, state regulations and a federal law called COBRA (Consolidated Omnibus Budget Reconciliation Act) allow employees to maintain benefits for a period of time after separation from the job. It is your legal responsibility to inform employees of their rights to continue coverage. Former employees who choose to continue their coverage through COBRA or state continuation must pay the full cost of the plan. You are not obligated to contribute toward their premiums, even if you previously paid a share. Ask your carrier for details about your responsibility toward former employees. Types of Plans Offered Health plans are classified as either “state-mandated plans” or “consumer choice plans.” A state-mandated plan provides certain required minimum features and coverages. A consumer choice plan is any plan developed by a carrier that excludes some state-mandated benefits. Generally, consumer choice plans that do not include all the state-mandated coverages will save you money on your monthly premium. Although consumer choice plans are sometimes called “standard plans,” be careful not to interpret the term to mean that the coverages provided are “standardized.” Each carrier’s consumer choice plan may be different, and a carrier may offer several different consumer choice plans. Some state-mandated benefits continue to be required for consumer choice plans, including coverages for: * Phenylketonuria treatment, if prescription drugs are covered. * Complications of pregnancy. * Minimum hospital stay after childbirth (federally mandated). * Reconstruction surgery following a mastectomy (federally mandated). Consumer choice plans may vary depending on the type of carrier offering the plan. For example, HMO consumer choice plans must pay for 20 outpatient mental health visits per enrollee per year, but that’s not a requirement in indemnity plans. In addition, unlike insurance companies, HMO consumer choice plans must include basic health care services, such as inpatient, outpatient, and preventative services. Carriers may offer optional benefits that vary widely from plan to plan. You don’t have the time for all this research and number crunching. But can you really afford to leave it on your “maybe someday” list? As the cost of medical care rises, the risks of not having health insurance are more apparent than ever. Today a single injury or illness –if uninsured– can leave a family in financial ruin. Moreover, health coverage is a key benefit of employment. You may not be able to hire and keep the best employees without offering it. Another alternative to group health insurance plans, which can be unaffordable for many small businesses, is to offer individual health insurance options to your employees. By law, an employer is not allowed to contribute to these plans, or that would be treated as group insurance under Texas state law. But you can still help your employees become insured in a good plan and improve their health and well-being and also improve employee retention in the process. If you’re a small business owner who would like to offer affordable health insurance plans to your employees, but can’t afford group health insurance, you should consider offering your employees the revolutionary, comprehensive individual health insurance solutions created by Precedent specifically for young, healthy individuals. Precedent offers affordable, individual health plans with catastrophic coverage, but without a high deductible, and

It is rightly said that necessity is the mother of invention. This applies to health insurance also. Deteriorating lifestyle patterns and the rising cost of health care in India has paved way for health insurance services. This need has further aggravated by the fact that unlike the West, the social security systems are non-existent in India. The governments have made all the provisions to extract tax from the citizens at all possible points but when it comes to health care and social security, it has not done anything at all. Thus, it is the responsibility of the citizen to secure himself. But it is not that smooth to get the right health insurance policy. There are over two dozen general insurance companies which are offering different types of health insurance plans in India. Many times, people end up buying health insurance plans which are not relevant for them and which do not help them during the time of need. Therefore, it bears crucial significance that you understand the nuances of health insurance plans and then only make a decision. Here is a quick list for you. What all do health insurance plans cover? Health insurance plans are primarily meant to provide you coverage against hospitalisation and critical diseases. Most plans cover this. But, there are many plans, which do not cover certain types of health ailments. For instance, you can find several mediclaim plans which do not cover blood pressure and diabetes related issues. The scope of coverage can be different too. For instance, not every plan covers post-hospitalisation expenses. In some the coverage period can be as large as 45 days and in some the period could be as little as one week. It is your responsibility to check on these matters. If you are relying on the insurance agent who is pursuing you, it can cost you dear at later dates. Agents are interested in making sales and commission. They may show their concern and tend to offer you the best plans, but they reality can be very different. So, just take care of these aspects. The development of health insurance industry in India has motivated insurance companies to introduce comprehensive plans. A wide range of riders are also available at your disposal. Thus, if you buy a standard policy, you can add on riders which can provide you cover against many other risks such as permanent disability benefit, diabetes coverage, etc. Do they cover pre-existing conditions? Most mediclaim plans in India do not cover pre-existing conditions unless specified. Do not assume on this matter. If you are looking for coverage against a pre-existing medical condition, then clarify it at the very first instance. You can compare health insurance plans online and consult with customer care centre through online chat option or telephonic call. There are plans which cover pre-existing ailments at certain conditions. Generally, there is a pre-specified period under which pre-existing conditions are covered. The cost of such plans is naturally higher than the standard ones. Can multiple family members be covered under one plan? Yes, it is possible. You can simply opt for a family floater plan and get your family members covered under a single plan. There are myriad benefits of these plans. The premium is a bit higher but quite less if you go for different health insurance plans for various family members. The collective cost for various plans is much higher. Family floater plans, at the other end, are cost effective. The most frequently asked question about family floater plans is what happens if one member consumes the coverage limit and another member falls ill. There are solutions to these conditions. You can top-up coverage limit during the policy period. Of course, you need to pay some additional premium to get the extended coverage. Can you switch from one health insurance plan to another? Portability is not limited to the telecom sector only. The Insurance Regulatory and Development Authority of India (IRDAI) has made portability possible in the health insurance sector. If, due to any reason whatsoever, you wish to change your health insurance service company, you can file an application for the switch. Health insurance is offered by general insurance companies, so far and they cannot reject your claim for portability. They can try to retain you but at the end, it is your prerogative to make the final decision. If you come across any issues pertaining to your health insurance plan, you can file a complaint at IRDAI’s online consumer grievance redressal system. It is amazingly efficient and you can expect an action within a 15-45 day period. Nonetheless, the IRDAI has taken tough measures to protect consumer rights and there are all the possibilities that your grievances are resolved by the insurance company itself at the first stage and you do not need to approach IRDAI in that case. What about tax exemptions? In the current fiscal year ending March 2015, you can claim for a tax deduction to the limit of Rs 15,000 towards payment of health insurance premium, under Section 80D of the Income Tax Act. From the next fiscal year, this limit is set at Rs 25,000 a year. Source by Naval K Goel

Dance is an integral part of our daily life. Almost everybody enjoys this activity and it is not astonishing to find people tapping or swirling their hips whenever they are listening to a good beat. Shows like Dancing with the Stars and So You Think You Can Dance have over 24 million people across the globe. Furthermore, the Latin-inspired dance workout also attracts over 10 million participants every week. This is just a clear indication of how people value this activity; no wonder, there was need to have a National Dance Day in America. Generally, dance is one activity which guarantees a total body workout. There are a number of people who have benefited from dance classes with some burning over 400 calories in a 1 hour dance class. Very few people can achieve this in their daily working routines. This implies that dieting may be insignificant here. Ideally, attending dance classes for only three days in a week; you will drop about 20 pounds in one year. In addition to this, as you attend the dance classes, you will boost brain power, tone body muscles and improve balance. To achieve all these, you need to enroll for your dance classes in a reliable and reputable dance studio which has all the necessary facilities and qualified instructors. In addition to this, you need to choose a dance style which you are comfortable with. Most of these dance studios offer quite a number of dance styles such as hip-hop, jazz, tango, tap and ballroom dance just to mention a few. They have both kids and adult dance classes with a number of private dance classes with flexible schedules. Every dance style has its unique health and fitness benefits. Ballet dance Like other dancing styles, ballet dance also offers a total body muscle workout. Ballet dance is described to be graceful and fluid in nature, thus a number of people tend to assume that it is one of those dance styles which do not require a lot of effort and energy. This is not always the case; it requires tremendous power and control. In addition to this, it requires a good deal of commitment to acquire all the necessary skills; a lot of discipline than the other dance styles and total body precision. It is one of the few dance styles with quite a number of rules which the dancer must adhere to. Those who enroll for ballet dance classes improve their flexibility tremendously and their body posture. Latin dance This is one style which is identified with a fiery attitude; quick and sharp steps with a lot of hip action. A number of dance styles in this category, such as the merengue and salsa require a partner, however; you can opt for other options such as the Zumba where a dancing partner is not compulsory. In most cases, Latin dances are characterized by fast beats of about 160 and 210 beats per minute. This gives the participants an opportunity to burn more calories. The muscles supporting the spine also get a 360 degree workout as the dance involves twisting and pulling the muscles around this region. It involves moving the muscles around the spine region. Masala Bhangra style This is one of the most popular India’s Electric Slide dance. In this style, the arms do a lot of work in the entire dancing process. It is categorized as a low pressure workout, dance style. It can be a good workout for the injured rotator cuff muscles. Jazz dance In this style, the moves blend the sharp kicks and sultry slides. They require a lot of energy since the dance involves “large and dynamic moves” which requires the use of the entire body. It boosts metabolic rate, hence; very important. Tap dance In this style, dancers wear shoes with metal plates which are usually attached to both the forefoot and the heel. They use them to make percussive sounds. It is a joint friendly activity since it has less impact to the joints. It strengthens fast-twitch muscles. Source by JT Goeble

“‘A tithe of everything from the land, whether grain from the soil or fruit from the trees, belongs to the LORD; it is holy to the LORD” Lev 27:30. How is this verse relevant to mental and physical health, particularly regards coronavirus Immunity? After reading its decoded translation further on, we shall see just how relevant and vital this verse is in defeating COVID. There is also a practice technique we can use to get started. But first some clarifying context regards literal ‘church’ tithing and ‘biblical’ tithing – there is a big difference, they are not one and the same, as we shall see. For while many religions refer to the Bible, the Bible is not referring to any religion or rituals. The Bible, in all its wonderful magnificence, consists of 66 books and 40 authors. An instructional Manual on the science of mind, it presents coded wisdom on how humans can grow and develop spiritually in all aspects of mind/body/soul; volumes of advance knowledge in how to use our mental faculties positively for health, happiness and creativity, to include rapid immune response to coronavirus and foreign antigens entering the body. Heavily coded, biblical syntax is not presented as ‘reading material’ as such – like a novel — rather as study material for decoding and ultimately lived through the mind/body consciousness for optimal well-being, mental peace and free-flowing exuberant love. Thus, literal interpretation of biblical syntax does not fully serve the evolution of the soul as intended by these divinely inspired authors. In forgoing scripture study and its content assimilation into consciousness, we ignore opportunity of consciousness development beyond the born-into state of carnal primitive mind, settling instead for soundbites and memory referencing of others’ literal interpretations as opposed to direct revelation through our own Teacher awareness within. The word Religion comes from the Latin Re-ligare: ligare means to bind, thus adding ‘re’ means to re-join, re-bind or link human and divine, while ‘church’ esoterically translates: mind/body. No other person can achieve this ‘re-bind’ — of divine experiencing within — for us. In essence, the nature of God is pure consciousness: instantaneous all-knowing vibrational love-silence which we’re each designed for coming upon through natural meditative means. Silence is golden, yes, in that, by mind encountering vibrational love-silence it becomes healed, whole: an alchemy of base metal to Gold. The fact is, at birth, our mental processes are uploaded in carnal conditioning from past lives: the deeper mind is operating under subconscious law. A level of programed soul-noise which has corroded the mind’s mechanisms leaving divine silence with no means through which to reflect within the mind/body physiology; thus, at birth, ability of spiritual discernment is not immediately to hand. This carnal or ‘worldly’ corrosion is known scripturally as the ‘veil’ of spiritual ignorance In the context of ‘veil’ – causal of divine silence-wisdom being muted — the purpose of the biblical tithe becomes strikingly obvious, as we shall see. Tithing is not about giving money over to others Many have been led into believing that tithing is giving over one tenth of our earnings — of accumulated wealth — unto some church or religion. This is totally not true. The Bible’s meaning of tithing is far from giving money over to others in this way. As clarified earlier, ‘church’ means mind/body. In this context, the word ‘tithe’ has been hugely misinterpreted, presented solely to mean, giving to a physical ‘church’. Many also use ‘tithe’ and ‘ten percent’ in the same sentence, as two separate actions. The word ‘tithe’ is Hebraic for ‘tenth’ or ten percent. Thus we cannot say we’re tithing ten percent of something. Being one and the same, grammatically speaking, this makes no sense whatsoever. Tithing, as presented in scripture, is totally not about giving money, goats, grain or physical land over to anyone. There is no ‘commandment’ to this effect. Framing it otherwise is a man-made concept. So, what is scriptural tithing? The Bible, as mentioned, is primarily about the science of mind — guidance on how to maximize the mental faculties to their highest potential both spiritually and morally. To this outcome – while allegorically presented — it deals with the integration of subconscious reactive thought patterns, the ‘veil’, the reclamation of dormant consciousness thereby come upon the submerged potential of our Being, biblically referred to as entering the promised land. Due to this suppressed mental state, man is said to use only a fraction of his full mental/creative potential. This fraction of ‘usable’ mind is understood to be near one tenth thus leaving a valuable resource of ninety percent of consciousness untapped, thereby undeveloped. At practical level, this controlling tenth dynamic ensures the other nine-tenths of consciousness potential remaining submerged and out of spiritual commission — thus conscious awareness is through the inherited subconscious patterns. ‘Tithing’ is a coded expression for surrender of this ‘in use’ tenth: surrender of the mental processes assimilating the subconscious content under law. Thus, to expand the conscious capacity of mind — eliminate subconscious content — we must surrender or tithe the controlling subconscious mind-sets and thought patterns held in place by deep residual stress. Tithing thus at another level is also surrendering of stress — the fruits of the lower intellect — to God, in silence meditation. Surrendering the tenth is symbolic of gaining 0 – completeness — of multiplying 10 to gain 100 thus triggering the law of multiplication. In other words, by surrendering the conscious 10% portion of mind, it increases one hundred fold to 100%, thereby expansion of consciousness and full mental capacity. So, whether we say 10 or one tenth, doesn’t really matter, for both attract 0: both make one tenth into 10, or 10 into 100 [percent] meaning the fully integrated soul. By giving within — meditation — we receive within consciousness Breaking free of this subconscious law [of mind] thus lies in TITHING WITHIN, surrendering the born-into conditioned ego/intellect — the one tenth — thereby redemption of the submerged nine-tents, redemption

The cost of health insurance for an average family is enormous but necessary in many cases. Each individual’s needs are different, and even by reading health insurance reviews it can all be very confusing and frightening. Opinions of different health insurance companies vary wildly by state, and the choices in some states differ from others. If you have never had to buy health insurance before the terminology can be quite difficult to under stand too. The Affordable Care Act has been implemented, not just to control skyrocketing health care costs, but to attempt to improve the quality of health care also. Reforms under the Affordable Care Act have stopped some of the worst abuses by the health insurance industry and have given Americans new rights and benefits. Already more children get health coverage, the lifetime and annual limits on care have ended, and those under the age of 26 can remain covered by the parents’ health insurance. There’s still a long way to go for these very necessary changes, but right now, people still have to go through the hassle of finding health coverage appropriate for their own needs and the biggest question for an average family is cost. If there are pre-existing conditions for any of the family member, insurance can be denied, although there is a move to stop that practice by 2014. Finding health insurance today may often start by looking at insurance reviews online, and the best way to do this is to narrow it down by looking at reviews for your state – otherwise it is even more confusing. It is essential to have some form of medical insurance – over 60% of bankruptcies in this country are due to people being unable to pay medical bills. Women face even larger challenges when it comes finding an individual insurance plan. Premiums are higher than men with identical coverage, and exclude coverage for pregnancy which has to be purchased separately.  Before you look at any health insurance reviews, decide how much debt you can manage comfortably if you should have a serious illness or injury. The higher the deductible you can bear the better, it will reduce the premium but you may end up paying for all your own medical bills, the actual insurance will cover you in the event of a serious illness. If you have lost a job but are expecting to start another where there is an employer-sponsored plan, simply buy short-term insurance. Another choice may be catastrophic health insurance, which comes in two forms comprehensive and supplemental. A comprehensive plan offers coverage comparable to more traditional health care plans, with a high deductible and relatively low monthly cost. A supplemental plan acts as a supplement to other insurance plans you might have. A good insurance agent will keep abreast of all the health insurance reviews and knows exactly what is available in your state, and knows which companies to avoid. He will discuss your particular needs and those of your family, and discuss your financial situation and then suggest the best health care policies to fit your needs. Reading health insurance reviews online may give you a little information, but there is no substitute for in depth knowledge and personal service. Source by Jim Monk