Health Insurance Zone – Helping organizations make the right decisions about health insurance and financial security

You have decided it’s time to buy health insurance and it can be a very daunting task to figure out everything. Here are 10 of important factors you should consider when you choose your next health care plan.

Learning about things is what we are living here for now. So try to get to know as much about everything, including health insurance whenever possible.

Make the best use of life by learning and reading as much as possible. read about things unknown, and more about things known, like about health insurance.

1. Let’s start with the most important one first, doctors are the backbone of any health care plan and you will have to consider a few things before you grab that health care plan. If you have a family doctor that you have had for many years or someone you really trust than you will have to be sure that an continue seeing him or if you have to chose one from the listed health care providers who are on the plan you are considering. You may also have to consider whether there is a doctor close enough to where you live.

2. Pre-Existing Conditions can cause a lot of confusion because a lot of times people take this part of the health care plan for granted. Many times people don’t realize they must check and make sure how the plan deals with pre-existing conditions or they could be left out in the cold. Every insurance carrier has different pre-existing conditions that are covered so checking into that will be very important for you to do.

3. Specialists for certain medical conditions are another very important factor you may want to look into. If you use a specialist now you will want to see if he or she is in the network of approved specialists. If not, you may have to look for new one. Not every health care network will cover this in their insurance.

Thinking of life without health insurance seem to be impossible to imagine. This is because health insurance can be applied in all situations of life.

4. Emergency Care is probably one of the most important things you will need to check out. In today’s fast paced world more and more people are using emergency rooms instead of visiting their doctors. The word emergency can also get you into some trouble with your health care provider. Not every person and health care plan define emergency the same way so finding out what is covered is crucial.

5. Check ups and Physicals are usually given yearly but sometimes more often. If you getting these done often most health care plans cover them but some don’t so be sure to check into that. If you have kids you will want to make sure they are covered for checkups too.

6. Exclusions can be a gray area if you don’t have a list to go over from your health care provider. Exclusions can vary by carriers so finding what is in your plan will be very important.

7. Costs are another very important factor to compare. Once you have all the plans in front of you comparing the costs of each plan and what they offer could be the most important decision you make about your health care future.

Saying that all that is written here is all there is on health insurance would be an understatement. Very much more has to be learnt and propagated bout health insurance.

8. Prescription Drug Coverage has become one popular part of any health care plan. In today’s world prescriptions can get very expensive so coverage for this kind of medicine is extremely important. Most health care providers have co-pay for prescription drugs and some are free or at a very reduced rate. Some will pay for generic medicine and some won’t, all these all very important factors for you to consider.

9. More services are given under certain health care plans. Some of these extra services will be of no use to you; however some of them are ones that you will want to have. Some of these are mental health, nursing homes, and drug treatment to just name a few.

This is the counterpart to our previous paragraph on health insurance. Please read that paragraph to get a better understanding to this paragraph.

10. OB-GYN coverage is another important part of any health insurance plan especially if you see an obstetrician often. If you’re also considering fertility treatments you will also have to look into that when you go over your coverage. Finding out how much you will have, as an out of pocket expense is very important when you are considering OB-GYN coverage.

Even if you are a stranger in the world of health insurance, once you are through with this article, you will no longer have to consider yourself to be a stranger in it!

We find great potential in health insurance. This is the reason we have used this opportunity to let you learn the potential that lies in health insurance.

When you look at health insurance coverage there are a lot of factors you will have to consider before you can make that decision. Never rush into any decision without getting all the information you can get. Take your time and you will make a good health care decision.

Americans pay more than one and a half trillion dollars for medical care each year and costs related to all manner of health care, such as prescription drugs, continue to skyrocket. While some of reasons behind this booming bill are understandable, Americans caught in a cash crunch might be surprised to find out some of the lesser-known causes of high health care costs.

The words health care might invoke images of doctors, nurses and hospitals, but the reality is that the medical field is a business and a ruthless one at that. Individual practitioners, researchers and participants may have wonderful intentions and a true desire to help people, but the structure of the American health care system ensures profit is the number one issue of importance.

Here are some facts that may help explain the high costs of American health care:

Pharmaceutical research and development companies spend roughly $20 billion each year on R&D, and about the same amount on advertising and self-promotional marketing activities.

There is sure to be a grin on your face once you get to read this article on health insurance. This is because you are sure to realize that all this matter is so obvious, you wonder how come you never got to know about it!

Additionally, drug companies have as many sales people as there are doctors in the United States. One of the responsibilities of this sales force is to convince doctors to attend pharmaceutical company-sponsored seminars where drugs are showcased.

According to some economists, the purchase of new technology is responsible for more than 50 percent of new health care spending over the last three years.

Much of the money Americans pay for health care finds its way into the rising profits on health care-related products and services such as the provision of medical insurance. Even higher costs have been forecasted for the future, especially for prescription drugs.

For many Americans who are unable to afford the health care they need, rising costs represent an ever-increasing barrier to medical services and products. The financial burden is also felt on the larger national scale with about 15 percent of gross domestic product going toward health care costs. That is equal to about one quarter of the annual federal budget.

Comparatively, Canada invests around 10 percent of its GDP on its public health care program. Unlike the United States, Canada’s health care program is universally available to all citizens and permanent residents without cost. Other countries, such as Germany, where there is a public/private delivery system model for health care, manage to serve their populations for even less while still having better longevity than Americans. This proves that the quality of health care does not rise proportionally with the amount of money spent to attain it.

While many Canadians supplement their universal health care with added insurance to cover the cost of medication and perks such as semi-private or private hospital rooms, health care insurance is much more essential in the United States. Unfortunately, costs have been rising dramatically, making health care insurance out of reach for many Americans. Currently, more than forty million Americans do not receive any kind of health care benefit.

Developing a vision on health insurance, we saw the need of providing some enlightenment in health insurance for others to learn more about health insurance.

For employers, providing health care insurance for employees is also becoming more expensive, with increases dramatically outpacing inflation rates. Some years, the difference is four or six fold. Even if premiums were to remain static, offering health care insurance to employees still costs several thousand dollars per worker. For smaller companies, or for those who employ a large number of people, these costs can be prohibitive.

Measures to reduce health care costs are always under consideration, though many are not popular choices. Suggestions that have been put forward by various sources have included:

Increased drug awareness and education. Millions could be saved if health care insurance covered only generic versions of drugs that have been proven just as effective as their more expensive brand name counterparts.

Terminate expensive treatment options will only add a short amount of time to a patient’s life, particularly if it will not be quality time (i. e. patient is in a coma).

Promote preventative care such as smart lifestyle choices, proper nutrition and exercise.

Examine to ways to control drug advertising to consumers. There is speculation that advertising has led to prescriptions of non-necessary drugs.

Limit malpractice liability so doctors and medical professionals do not feel pressured to cover themselves by ordering unnecessary tests to substantiate conditions they already know to be present.

To view our recommended sources for health insurance, or to read more articles about health insurance, visit: http://www. insurance-quote-puppy. com

Whether your female health questions are on early signs of menopause or how to reduce PMS symptoms, you can find answers online to important female health questions.
Busy women today have to keep up with their career, money issues and family. There is hardly time to prepare meals and care for the children and/or partner before and after work hours. Most women in the western industrialized countries become involved with career and family in their late twenties and early thirties. As responsibilities grow, women will typically experience a great deal of stress and have female health concerns.
Along with increased stress may come excessive caffeine or alcohol consumption, sleepless nights, cigarette smoking, lack of exercise, birth control pills, poor nutrition choices, obesity and exposure to the many environmental toxins found in daily life. These lifestyle choices add to the female health problems instead of helping the body to cope with the many demands placed on it.
It is no wonder that many women have female health concerns and begin experiencing health symptoms that make them wonder what is going on and to look for answers to questions such as the following:
Female Health Questions #1 – How Can I Have More Energy and Feel Better?
Lack of energy may be from overexertion or it may be your body telling you that it needs to rest. Anyone can feel tired occasionally. However, constantly feeling fatigued can be a symptom of disease or bodily imbalance and can occur at any age. It may be the first sign that your body is not working as it should and something should be done.
Female Health Questions #2 – Why Am I Gaining Weight?
Weight gain probably means you have gained unwanted weight around the mid-section even though no changes have been made in eating habits. Daily calories might have even been reduced but still the weight remains. Again the logical question is “Why?”
Female Health Questions #3 – Why Am I Having Hot Flashes/Night Sweats?
About half of all women experience hot flashes and night sweats during the years as changes happen in the monthly menstrual cycle. As menopause approaches, they frequently continue for several years following menopause if not treated. With the major changes in the body’s hormones, the brain thinks your body temperature is changing which causes your nervous system to want to cool your body down. Fluctuating hormone levels are the #1 cause.
Female Health Questions #4 – Why Is My Hair Thinning?
Women experience thinning hair and even hair growth in the wrong places. There are various treatments like changing your hair style or using a shampoo and conditioner that makes your hair fuller. However, instead of purchasing female hair loss products, a woman should first look for the underlying causes that are related to hormone imbalance.
Female Health Questions #5 – Can I Find Online Information on These and Related Health Issues?
Yes! A woman should understand what are normal changes in her reproductive cycle and health and what symptoms indicate underlying hormonal imbalances or damage from poor eating habits, stress and other factors. And the health problems you may be having can definitely be related!
A woman with female health concerns should know which symptoms she has. And how mild or severe are those symptoms? What are you demanding of your body? Are you frequently stressed? Are you taking prescription drugs? What about caffeine and alcohol? What support are you giving your body? What do you eat and are you taking a high-quality women’s nutritional supplement? And what is your age? Your age is important because you need to compare your health with other women your age.
Find out more about your health, the symptoms you may have, what these symptoms mean and your options. There is an online test for hormone health related to symptoms that indicate hormones are out of balance. This health test has been developed by a leading womens health clinic, it is used in their practice every day and is available to women online at no cost.
If you are a woman in your thirties or older and you feel your health is not what it should be, get answers to your female health questions by taking the womens health test online and see what the clinic recommends for your health situation. Understanding what is healthy and normal and what is not is crucial when your energy, your health and well-being are at stake.
Copyright 2007 InfoSearch Publishing

According to the United States Census Bureau, 87. 7 percent of Ohioans had some form of health insurance coverage during 2005, while 12. 3 percent were not insured at any time during the year. Additionally, 14 percent of Ohio residents under the age of sixty-five did not have health insurance during 2005.
AFFORDABLE HEALTH INSURANCE OPTIONS IN OHIO
Most Ohioans who have health insurance are covered by either employer based plans or government programs. What options are available for individuals who do not have access to such coverage? Ohio Department of Insurance Director, Ann Womer Benjamin, references the “increasing number of options with Health Savings Accounts. There may be a person, or a family, generally comfortable paying for health care costs, but wants a high deductible policy. Also, for fairly young, fairly healthy individuals, an HSA coupled with a High Deductible Health Plan could really work. “
Health Savings Accounts are not feasible for everyone. Ohio residents who are not interested in HSAs should try to take advantage of alternative plans and programs. “Ohio has an Open Enrollment Program that takes (uninsured individuals) regardless of pre-existing conditions, but is likely costly”, Womer Benjamin explains.
HEALTH CARE COVERAGE LEGISLATION
There are currently two bills in the Ohio Legislature, Senate Bill 272 and House Bill 5 / Senate Bill 5 that are generally supported by the Ohio Department of Insurance as methods of expanding access to health insurance coverage.
Senate Bill 272 would repeal the Open Enrollment Program, as well as the Open Enrollment Reinsurance Program. In its place, the Ohio Health Insurance Risk Pool would be created to provide health care coverage to individuals who are unable to obtain affordable health care coverage in any other manner. This would eliminate the annual periods of open enrollment that sickness and accident insurers, health insurance corporations, and multiple employer welfare arrangements (MEWAs) are currently required to hold. “The Ohio Health Insurance Risk Pool would provide a state fund for those without health insurance coverage. We would support this concept and have various suggestions for funding. We would theoretically be able to reach ten times more individuals than the Open Enrollment Program does currently”, says Womer Benjamin.
House Bill 5 / Senate Bill 5 would permit small employers to offer health care plans that do not provide benefits otherwise required by law. The bill provides for the operation of health savings accounts that are consistent with federal law, and places a limit on an insured’s liability for co-payments and deductibles under a health benefit plan. ODI Director Womer Benjamin asserts that the bill “would provide more options for small businesses, and we are hopeful that that will pass”.
THE MASSACHUSETTS EXAMPLE
On April 4, 2006, Massachusetts House Bill 4850 was overwhelmingly passed by the state legislature. All Massachusetts residents will be required to obtain health insurance coverage by July 1, 2007. The state’s plan dictates that businesses with more than ten employees that do not provide health insurance coverage will be charged a fee of as much as $295 a year for each employee. Government subsidies to private insurance plans will provide affordable health insurance to a greater number of the working poor, and individuals who can afford private health plans will be penalized on their state income taxes if they do not have coverage. Should Ohio consider a similar plan in order to achieve nearly universal health insurance coverage? Ohio Department of Insurance Director Ann Womer Benjamin says that we need to “watch Massachusetts and evaluate the plan’s success and funding”. “Ohio has a larger number of uninsured individuals and is different than Massachusetts, politically. ”
Ohioans have a large selection of health insurance carriers and government programs to choose from. Regardless of the provider, it is extremely important for individuals to obtain a health insurance plan. Director Womer Benjamin emphasizes that she is “concerned with people who don’t think they need health insurance coverage”.
About The Ohio Department of Insurance
The Ohio Department of Insurance (ODI) is an informative resource for those seeking information regarding health insurance options in the state. ODI asserts that its mission is to be “responsive to and safeguard consumer interests through education and vigilance while promoting a stable and competitive marketplace among insurance providers”. The Ohio Department of Insurance can help uninsured persons sort through their options, depending on their individual circumstances. For more information, call the ODI Consumer Hotline at 1-800-686-1526.
The Department is headed by Director Ann Womer Benjamin, who was appointed in January of 2003, and is the first woman to hold this position. Prior to this appointment, Womer Benjamin served in the Ohio House of Representatives for eight years.

Life is full of unexpected situations which can affect our existence. Health is one of them. ‘Health is wealth’ is a proverb, which has lost its significance in the modern times. The fast-paced life of the contemporary world where everyone is trying meet deadlines and work in a jam-packed scheduled, health is often ignored. It is only when, we suffer from a sudden difficult health situation that we realize the importance of our well-being. Health concerns like cancer, stroke any more can corner you without a prior indication. What do you do then? If you have a health insurance you need not worry. A health insurance can assist you to take care of this precious possession even in times of distress. Health insurance differs significantly, but in essence it denotes a type of insurance plan that pays a pre-arranged percentage of an insurance possessor’s enclosed medical treatments. The question as to whether you should or should not opt for health entirely depends upon you. Yet, it is always advisable to obtain insurance for health, keeping in mind the uncertainties that encompass modern way of life. Health insurance can be accessed in various forms like dental insurance, vision insurance, student health insurance, business health insurance, international health insurance amongst others. These different forms of health insurance endeavor to cater to your specific requirement. Health insurance usually covers medical expenses such as: HospitalizationDoctors visitPrescription drugsAnnual check upsEmergency room visits You must have heard a lot about various health insurance companies offering insurance products with lucrative tags. But it is up to you which one to go for. If you are thinking of procuring a health insurance, internet can provide you with an easy route. Confused about what kind of health insurance to go for? A simple way to strike upon the desired insurance is to chalk out the expectation you may have from it, how well it suits to your situation amid other factors. An assortment of online health insurance companies can give you a chance to compare and evaluate health insurance that befits your pocket. Online application procedure for health insurance can expedite your path to ensure the most significant part of your existence that is your health. Before you embark upon a health insurance, it is advisable to be thorough with the terms and conditions of the health insurance providers. This approach would not only keep you at pace with procedures of procurement and functioning of insurance but also save you from any future confusion. Realize the importance of your and your loved ones’s wellbeing with health insurance. Insurance for your health can fetch you a secured subsistence amidst the thick forest of health issues.

Health and wellness products will mean very different things to different people.
Wellness can be defined as ‘the pursuit of a healthy, balanced lifestyle. For the benefit of this article, wellness products are being looked at in the context of ‘over the counter drugs, health supplements and health remedies.
While for some people, wellness products might be viewed as an aid to recovery from illness, for others it might be a means of further enhancing some aspect of their current health. The variety of and uses for such products are as numerous as are the the definitions of wellness products or wellness programs, depending of course upon who is promoting them at any given time.
Whatever your reasons for pursuing alternative care health or health and wellness products, a common goal is to achieve optimised health and well-being.
There are powerful media images hailing the benefits and safety of many over the counter drugs, supplements and health and wellness products, every where you turn these days. They have equally strong claims of being the one and only miracle cure or solution for one ailment or another. How accurate are these claims though, and what are the real costs to you in monetary and health risk terms?
Immediately after reading this article, go take a look and do a quick add-up of the total cost of all the health and wellness products you currently have in stock. I’m sure the figure will surprise you just as much as learning about the very real and harmful side effects which can be caused by some of these drugs or supplements that are supposed to be contributing to your overall state of wellness.
You may also be surprised to know that many of the ‘over the counter drugs you buy on a regular basis, simply treat the symptoms and not the real health issue. Needless to say, this approach of focusing on the symptom, side-steps the crucial requirement of getting to the root cause of your condition or whatever it is that ails you.
You’re most likely to pursue wellness products either because you you are becoming wary of the adverse effects of chemically produced drugs or because you’re keen to recover from ill-health and improve a specific health condition. In some instances it might be that you just want to optimise your current state of good health.
While some health and wellness products can be an effective measure toward improving your health, you should note that long-term use of certain over the counter drugs and some supplements can cause you more harm than good, with the long-term implications far outweighing any short-term benefits. You may well find that you are paying far too high a price on the basis of a mere quick fix promise.
For thousands of years, people in lands far and wide have used natural homemade remedies to manage their health conditions and wellness needs, without manufactured health and wellness products, that can be detrimental to health. They have purely relied upon attaining or maintaining health by plants or by other natural means. It could be argued that with the emergence of chemical and
pharmacological methods, many forms of this natural means to health and wellness have declined. In fact, even by today’s standards, there are many so-called under-developed countries where inhabitants’ rely on nothing more than homemade health and wellness products, gained via natural methods of plants or plant-based extracts.
While conventional medicine relies on scientifically backed research to substantiate effectiveness and safety. In contrast, similar cannot be said about some alternative medicines or health and wellness products. There is no such requirement but their promotion as regard effectiveness are deemed sufficient in themselves as support for therapeutic or wellness claims.
Herbal remedies in general are harmless, however, certain claims being made by some health and wellness products promoters, (under the banner of being ‘natural’)) can insinuate their health and fitness products being the exclusive answer to your health condition or wellness questions, thus putting you at great risk. Secondly, how open are they being about what’s really inside? You should always consult your physician over any health concerns, as well as discussing with him/her your intention or choice of alternative means for treatment with any health and wellness products or remedy.
Multi-billion-dollar industries have long wealed their power by way of lobbying to gain exemption from FDA regulation. This has exactly been the case, according to the Skeptical Inquirer who, upon commenting on the ‘dietary supplement industry back in 1994, states – “Since then, these products have flooded the market, subject only to the scruples of their manufacturers”.
The above point is an important one to note in that, while health and wellness products manufacturers may list ingredients and quantities being used in specific health and wellness products, there has been no real pressure on them to do so, or to do so accurately. Furthermore, neither has there been any watchdog body to ensure they are penalised for this failing.
So, what are the alternatives open to you? Increasingly, more and more people are turning to do-it-yourself health and wellness homemade herbal remedies. The distinct difference being that in making your own health and wellness products, you are in the driving seat. Not only do you have a full awareness of exactly what the ingredients are and the true quantities, but with the appropriate level of guidance from a reputable practitioner, you’re more conversant with any health implications, if any.
With the right know-how, you too can draw on the old-fashioned yet effective sources to greatly improve your health. For instance, using naturally prepared herbs, vitamins, minerals and nutritional supplements, essential oils and flower essences to create real healing solutions that deal with particular health conditions rather than just the ymptoms.
It is in the interest of a health and wellness produce manufacturers to promote their products as being the only option open to you. They don’t want you to know about the abundant natural resources and health-giving potent attributes of herbs and home remedies which have been used effectively for thousands of years. You see, these remedies cannot be patented because you can make them yourself and at a fraction of the cost.
Whether your goal is to overcome illness, drugs intolerance, allergies or just to optimise your already good health, with a little know-how, you can start making your own health and wellness products and remedies, using nothing more than the readily available natural resources in your home and garden. Not only will you save your hard earned cash, you also alleviate the risk of serious or harmful additives and side effects.
Are you interested in learning more about how you can treat numerous common ailments without the harsh side effects, using nothing but natural herbs, vitamins and nutrients you prepare yourself at home? For instance, did you know that placing yogurt on your face help to bring water from the deeper layers of your skin to the surface, moisturizing your skin for the rest of the day and hiding wrinkles?
Here are just a few more of the many quick and effective remedies you can learn to make:
1. Natural laxatives
2. Beauty recipes
3. Skin care and cleansing preparations such as acne treatment
4. Herbal shampoos as well as how to treat hair loss,
5. Dermatitis
6. Menstrual Pain and PMS Symptoms

Both the demand and the available options for Health and Safety Distance Learning are high in USA, thanks to the growing public demand for wider and stricter regulations from the government’s side to ensure safe and healthy workplaces. Career options include Health & Safety Specialists, and Health & Safety Technicians. If you are responsible to the core, concerned about society’s safety, and a troubleshooter by nature, nothing can be more rewarding than one of these careers.
The field of Health and Safety should not be confused with the field of Safety Engineering. The more formal title for Health and Safety is Occupational Safety and Health. While Safety Engineering is a full-fledged branch of Engineering, Occupational Safety and Health is more of a scientific, medical, technical, managerial, & regulatory domain. This is reflected in its administration in the country by Occupational Safety and Health Administration (OSHA) coming under the US Department of Labor, and The National Institute for Occupational Safety and Health (NIOSH) under the US Department of Health and Human Services.
What it Involves
Health and Safety Distance Learning involves taking an Associate, Bachelors, or Graduate Degree in Occupational Safety and Health through the distance or online mode. Several Graduate and Undergraduate Certificate Courses are also available. Those planning to become Health and Safety Technicians can go for an Associate or even a Certificate Course, while those aspiring to become Health and Safety Specialists should go for at least a Bachelors, as the main employer in the domain, the Federal and State Governments, have fixed it as the minimum qualification.
However, there are more Graduate Degree Courses in Health and Safety Distance Learning than Bachelors or Associate Degree Courses. This is mainly driven by the private sector’s preference to employ Graduate experts with a firm background in supporting subjects like Science or Medicine.
Various professional certifications available in this domain like the Certified Safety Professional (CSP), Certified Industrial Hygienist (CIH), Occupational Health and Safety Technologist (OHST) require passing stringent examinations, and the training for them are also available through Health and Safety Distance Learning.
Why Health and Safety?
The discipline of Occupational Safety and Health is a fast growing field that is concerned with the safety and health of employees, customers, and the public. While the best managed companies go in for elaborate Health and Safety Departments to stand out in business ethics and cut the loss of employee productivity, many others are forced to create a Health and Safety program, at least to comply with the civil and criminal laws and thus avoid litigation. This has resulted in the field growing steadily over the past several years, and is expected to grow even further, through the next ten years.
Specialists and Technicians in this field get to work in large private firms or Governments (Federal, State, or Local), where the overall benefits will be much better than in smaller organizations. Most Health and Safety Specialists earn approximately between US $40,000 to US $80,000, while Technicians can expect a salary between US $30,000 to US $70,000.
Why Health and Safety Distance Learning?
Since it is a critical service, the private sector as well as governments demand experience in the field as a prerequisite for employment. This has resulted in a preference for those already exposed to the domain, due to work in an allied field obtained after undergraduate education in engineering, biology, or chemistry. As such, it is very important for those aspiring to be a Health and Safety Professional to undertake simultaneous work in this domain or in an allied field. The best option for such candidates is Health and Safety Distance Learning.
Universities & Colleges Offering Health and Safety Distance Learning
Many Universities and colleges offer Health and Safety Distance Learning courses, but the course names tend to be very different from each other. Tulane University offers three Graduate Degrees in the field, which are distinguished for their real-time, live interaction sessions over the internet. Spanning two years, these courses are Masters of Public Health (MPH) in Occupational Health and Safety Management, MPH in Occupational Health for Health Professionals, and Master of Science in Public Health (MSPH) in Industrial Hygiene.
Indiana State University offers a Master of Science in Health and Safety, with a specialization in Occupational Safety Management. The course delivery is primarily through television, but a weekly personal interaction with the instructor might be necessary.
Montana Tech Graduate School of University of Montana offers an online M. S. in Industrial Hygiene. Featuring advanced study in Occupational Health, the course also equips the students for the certification program by American Board for Industrial Hygiene. Montana Tech makes no distinctions between its regular and online students for this course.
Apart from such prestigious Universities, many smaller institutions also offer Health and Safety Distance Learning. However, prospective students need to ascertain the accreditation details as numerous institutions with poor accreditations also offer these courses.

There are many facets to the world of mental health, especially when it comes to health insurance and finding adequate coverage for a variety of afflictions and disorders. We’ve put together some answers to some of the more common questions revolving around these topics for you below.
Do most health plans include mental health coverage? The answer, simply put, is yes. The vast majority of insurers and health plans cover at least a limited amount of mental health care.
According to a recent employer survey published in the journal Health Affairs:
•91 percent of small firms (10-499 employees) and 99 percent of large firms offer mental health and substance abuse coverage in their most used medical plans.
•Mental health and substance abuse coverage was included in 87 percent of indemnity plans, 88 percent of HMOs, 97 percent of Point of Service (POS) plans and 93 percent of Preferred Provider Organizations (PPOs).
It is commonly acknowledged today, in 2006, that most employees who have employer-based health insurance have access to mental health coverage, and many of the employees who don’t have coverage have simply chosen not to join an employer’s plan that includes mental health services.
Does mental health coverage cost more? Yes, this is generally the case. There are limits to mental health coverage and the reason why most employers impose limits is due to cost. Estimates vary widely of how much more mental health coverage costs. Here are some results from some studies:
•A 1998 study sponsored by National Advisory Mental Health Council (NAMHC) Parity Workgroup, a division of the federal National Institute of Mental Health, estimated that mental health services would add less than 1 percent to the cost of a health insurance policy for an HMO.
•A 1998 study by Mathematica estimated a 3. 6 percent increase across all plans, with a range of 0. 6 percent increase for HMOs up to a 5 percent increase for fee-for-service plans.
•A 1997 analysis by the actuarial firm Milliman & Robertson for the National Center for Policy Analysis, examining the cost of a typical mental health mandate (not specific legislation), concluded that mental health services parity legislation tends to drive up costs by 5 percent to 10 percent.

With regard to mental insurance in general, how do insurance companies treat mental illness? Insurance companies tend to be somewhat wary of mental health claims due to the increase of fraudulent claims. When Medicare looked for fraud in the community mental health centers last year, it barred 80 of them in nine states from participating in the program.
The Health Care Financing Administration (HCFA), which administers Medicare, knew something was amiss when the average yearly cost for each senior getting mental health services jumped from $1,642 in 1993 to more than $10,000 by 1997.
Medicare administrator Nancy-Ann DeParle contended at the time that 90 percent of the patients had no mental illness serious enough to qualify for special treatment.
That being said, it’s straightforward to understand why there is trepidation on the part of health insurance providers.
What mental conditions are typically covered, and not covered by health plans? Generally speaking, a health plan pays for only those services included in the plan’s list of covered services. In the case of mental health services, inpatient and outpatient treatment are most often covered by health plans.
However, there is a continuum of services between inpatient (mental health clinic) and outpatient care that effectively treat many mental disorders and are often more cost-effective than inpatient care at a mental health clinic.
These intermediate services include nonhospital residential services, partial hospitalization services, and intensive outpatient services such as case management and psychosocial rehabilitation. Psychosocial rehabilitation includes pharmacologic treatment, social skills training, and vocational rehabilitation.
Such services are covered by approximately half of employer-sponsored health plans.
Prescriptions. Are they covered? Coverage of prescription medications is also important in providing access to treatment for mental health disorders. And, on a positive note, Prescription medications are nearly always covered by health plans (U. S. Department of Labor, 1996; 1998), but this coverage is sometimes limited by formulary restrictions.
Check with your healthcare provider for the exact details on what applies to you and your family with regard to your specific circumstances.

Androgens, such as testosterone, are a major component of female and male sexual health and good libido. Female sexual health can be temporarily improved using androgens such as testosterone or DHEA. You write that Viagra legitimized male sexuality not only as conversation material but as a valid health-care issue. There is, therefore, a significant issue regarding the sexual health of female partners of men who have sex with men (MSMs). This bulletin message board forum is intended to allow male sexuality discussions, men’s sexual health personal experiences, and male health issue problems. political trends on research on female sexuality with a particular focus on political attacks on sexual health research at the National Institutes of Health.

There are five major areas involved in male and female sexual health: 1. Understanding these constructions enable more effective designs for intervention strategies that enable the promotion of sexual health amongst males who have sex with males. For effective sexual health promotion amongst males who have sex with males, both these connected issues must be appropriately and adequately addressed. There are specialists who deal with urology and oncology, as well as other areas of male sexual healthcare. Consequently, health care practitioners comment that they only learn about their male patient’s sexual health problems when the condition is severe. Exercise and weight loss may improve male sexual health in obese men, researchers in Italy report. Our project approach to male involvement in reproductive health in India is based in culturally defined male sexual health problems.

Female sexual health problems have to studied using a natural approach from many different areas. Impotence or erectile dysfunction is a quite common male sexual health disorder afflicting around 10 to 30 percent of the total male population. The authors bring together the two critical areas of expertise medical and psychological explain healthy male sexual function and the problem of sexual dysfunction. PenisPillsInfo. com Male enhancement advice and information, sexual health and performance and top pill brand information. Sex-Boost is a ‘by-prescription-only’ pill designed to enhance male sexual health by enabling men to achieve an erection. The female sexual health function is a complex interaction of hormonal events and psychosocial relationships. Work on male fertility and potency have also made the UW a national leader in advancing men’s sexual health.

McCullough is a specialist in male sexual health and fertility. A report examining and summarizing the symposium held in Oaxaca, Mexico, on male partcipation in sexual and reproductive health. Since Sex-Boost’s invention the subject of male sexual health has become common in newspapers, on the television and also over the Internet. It also combats male pattern boldness and contributes to a man’s overall sexual health regimen. The program was set up as the women’s movement raised awareness about reproductive health and female sexuality. A manmade ingredient of many plastics, cosmetics and other consumer products may be interfering with male sexual health and prenatal male sexual development.

Talk with your physician or other female sexual health professional to find a good sex therapist in your area that could help you. Although trials are underway with drugs to help eliminate female sexual health problems, the current feedback is not promising. There are a lot of male nurses working in sexual health. body – sexual health Female Infertility Finding out she’s pregnant can be one of the most joyous moments in a woman’s life. I did an online search for a male sexual health supplement, and there are hundreds of them. A urologist specializes in male sexual health problems. During a recent interview, Spark discussed his version of the Clinton legacy, shifting attitudes about male sexual health and alternatives to Viagra. Synopsis: A groundbreaking comprehensive guide to male health and sexuality.

If you are male and have a sexual health concern, you can address it with your regular doctor. Blood tests are often employed in female sexual health conditions to check various hormone levels. Use regularly to promote general health and overall female sexual functioning. Ovantra is the best product for womens sexual health and it has been referred to as the Female Viagra! General women’s health issues play an important part in a woman’s overall sexual wellness. Healthy female sex organs are less susceptible to infection. Victim to abuser: Mental health and behavioral sequels of child sexual abuse in a community survey of young adult males. Thanda is a powerful tonic for female sexual health, containing a range of specially selected remedies from Africa and the Orient.

Etic and emic categories in male sexual health: a case study from Orissa. As a result, sexual health services often ignores the possibility of STD/HIV transmission resulting from such a sexual practice both for males and females. Oriental (Panax) ginseng – supports physical stamina and has long been used to support male sexual health. Training of police staff and the judiciary on issues regarding males who have sex with males and sexual health concerns. http://www. man-sexual-health. com/

Your health is undoubtedly your most valuable asset. So with that in mind how do you protect your health ?

Yes you probably have health insurance to look after your health if you become ill and car insurance to take car of you should your health suffer as a result of a car accident. But isn’t that paying someone else to look after your health after things go wrong ? A bit like closing the stable door after the horse has bolted ? What are you doing, or, what should you be doing to look after your health right now ?

Do you get regular health check ups ? Do you exercise & eat all the right foods that are beneficial to your health ? Do you use health care products such as health supplements ? Do you smoke, drink or take drugs ? Are you aware of how these habits affect your health ?

I’m willing to bet that you make darn sure you look after your children’s health, making sure that they are not doing anything that is going to cause long term damage to their health ? But who is watching your health ? Who’s making sure you are not doing anything to damage your health ?

Health is probably something we all take for granted & only realise how important our health is when we are ill or someone close to us is suffering from ill health. However if we all do nothing in regard to our health now, waiting until we begin to suffer from ill health & then trying to do something about it may be too late as we may have already done irreparable damage to our health. If you could do something now to prevent one of your assets diminishing, such as your bank balance, your home or your car would you ? Yes of course you would, so what about your most valuable asset, your health ?

Well it’s about time that someone took control of your health, and that someone is you ! Take control of your health now and make sure that valuable asset, your health, is well and truly looked after. Here are some suggestions that might help you to look after your health:

1. Get regular health check ups. If you have a good health insurance these are probably insisted upon. After all we all give our cars regular “health” checks, isn’t our health more important than the health of our vehicles?
2. Make sure you eat a healthy diet. Even if you don’t need to loose weight the right diet can help to improve your health.
3. Take regular exercise. 30 minutes a day at least 5 days a week, even if it’s just a couple of 15 minute strolls, that’s not to great a chore to protect a valuable asset – your health.
4. If you smoke, stop now ! This is probably the best thing you can and ever will do for the sake of your health.
5. Cut down on your alcohol intake. Stick to the recommended guidelines for sensible drinking – for your health’s sake.

Traditionally many companies offered group health insurance to their employees, but with the recent economy downswing many companies have had to either cut their group health insurance all together or are being forced to switch plans to a more affordable group health insurance rate. The reason why they are doing this is because for many of these employers the group health insurance rates can cost the company a lot of money and now these companies are looking for ways to cut expenses and one of the ways is by changing to more affordable group health insurance companies or even worse, cutting the group health insurance all together. There are many families across the country where the entire family is dependant on the group health insurance that is offered to one parent who works at a company where the group health insurance is offered. In companies where the group health insurance is completely cut out of the budget there is a good likelihood that many of the employees may have to look elsewhere for work because they cannot pay the expensive rates of individual or family health insurance. Any size company can normally find affordable group health insurance rates before they cut their group health insurance. One of the best ways to go about finding affordable group health insurance rates is by looking online. Many people overlook this way of looking for affordable group health insurance because most of them already have a deal with an insurance company and tend to overlook other companies that may be less expensive. If you just go into a major search engine page like Google and type in the keyword “affordable group health insurance” you likely will be able to find some great options for your company after filling out some paperwork on things that the company may need to know such as the company, and the number of employees in the company. One of the best things about group health insurance is that personal factors that may normally injure a company’s chances of getting insurance may not be applicable when a company is looking of Affordable Group Health Insurance. This is because instead of considering each person individually the entire group is looked at as a pool, this pool has an average age, sex, and risk factor. This means that the people who normally would be considered high risk are balanced out by the people who are low risk, this is one of the reasons why group health insurance tends to be much less expensive than individual insurance, so instead of considering canceling group health insurance it may be much more beneficial for a company to search online for affordable group health insurance. This will not only help employees, but it will also help the company keep employees happy, happy employees means better work!

Did you know that each hour in each civilised country, at least five men die from conditions that are potentially preventable? Or that men live on average six years less than women? According to the Australian Medical Association, many men treat their health as a low priority while they juggle the competing demands of work and family life. Apparently, men often adopt a “functional view” of their bodies. Only when their work, play or exercise is below par, they understand there may be a problem. Another fact is that most men stop visiting doctors regularly between the age of 20 and 45. By the time the begin visiting GP’s again, their ailments are more chronic in nature! Prevention and early detection are key! To prevent and mitigate risks of obesity, diabetes, cancer, hypertension, cardiovascular disease, etc. , there is a thing you can do: an annual men’s health check! This is the best advice I can give you, as it will most certainly help you to maintain and protect your own health. According to my own Sydney based men’s health specialist Dr. Rob King, the main objectives of a men’s health check/assessment are: To improve and maintain your wellbeing in the short and long term. To ensure you maintain your physical independence in the long term. To prevent the onset of disease, including cancer. To detect disease early, including cancer. According to Dr. Rob King a complete men’s health check should cover the detection and prevention of: Nutritional imbalances. Excess body weight. Disease of your heart and arteries (cardiovascular disease – build-up of plaque in your arteries). High blood pressure (hypertension). Abnormal blood fats (dyslipidaemia). Abnormal blood sugar (insulin resistance/pre-diabetes/diabetes). Prostate problems. Weak bones (osteoporosis), calcium and vitamin D deficiencies. Screening for cancer, in particular skin, testicles, prostate, bowel. Sexual difficulties, in particular erection and ejaculation problems (optional). Sexually transmitted infections (optional). Immunisations. Most large medical centres offer health checks and there are specialized men’s health check centres in most large cities around the world. They’ll do a full health check and provide you with advise on how to improve your health. It will all be on a strictly confidential basis! A men’s health check will take you at least 1 to 2 hours and will cost approx. $300-$600 of which you can claim a large part from your health insurance. A lot of employers do have agreements in place with external health and wellbeing providers, so just ask internally if your employer can arrange and fund your annual health check. To find a men’s health check specialist near you, just Google “men’s health check” with your location to find a specialised centre near you. Please do yourself a big favour and schedule a health check appointment on the short term. It is one of the best health investments you can make!Make this a Positive & Fruitful Day…. unless you have other plans! Thanks, warm regards & success,Patrick Driessen © Patrick W. Driessen. All rights reserved.

Health insurance has become necessary for people owing to increasing cost of medicines and hospitals. Of late, treatment cost has increased than ever before. Group health insurance is specifically designed in Florida to meet the health care requirements of employees of large as well as small companies. In the plan, the employer pays a portion of premium along with an insured employee. Most of the companies in Florida introduce a group health insurance plan to provide health insurance protection to their employees. There are various insurance companies operating in the state of Florida that offer various schemes to cover an individual, children, entire family, and a corporate or business group. Group health insurance in Florida enables people to receive quality and private treatment with ease without any cost. The plan also protects people from waiting for hours and going through undue suffering to get the medical treatment. Florida group health insurance offers various benefits not only for employees, but also for employers. As the insurance company takes care of employees, the employer needs not to worry about the treatment of employees. Being members of a Florida group health insurance plan, the employees get a number of valuable benefits with ease. The employees need not to pay hefty amount as the employer also pays some part of the premium. Florida health insurance covers all your medical expenses including cost of medicines, prescriptions, doctor visits, and hospital stays. But, the health coverage and premiums can only be decided by knowing your present health condition and age. It is sure that group health insurance benefits are different from company to company; but all the group health insurance companies in Florida cover a common benefit known as the health benefit. In fact, it is very important to find a reliable insurance company that offers group health insurance policies in and around Florida at rock bottom prices. Finding a reliable company that offers group health insurance in Florida is not a daunting task if you make an extensive search through the internet. To avail Florida health insurance at best price one should always compare the insurance quotes of different companies. You will get quotes of various companies and compare them to find the best plan. Major group health insurance companies in Florida also have fast processing option. All you need to do is fill in a simple online form and rest of the work will be completed by your selected insurance provider.

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Regardless of the general pessimism of the worst recession since before World War II, the landscape for starting a new venture is better than one might believe. In fact, the UK has experienced a flood in start-ups lately.

Since many professionals are expecting that the economy across the world and in Britain is starting to slowly develop again, there are plenty of prospects for those who resolve to start a business now. The recession drives down prices on offices, retail locations, and other venture costs. Normally it takes about six months to get a new enterprise going full steam by which time consumers should be consuming normally again.

Commence with a business plan

The first step to launching your flourishing new business is map out your ideas in a way that you have accommodating objectives over the period that it will require to get the venture up and running.

According to Ray Gaines, the writer of Start Your Own Business, people who plan to commence their own business on their own should carefully consider all features of the venture before taking any concrete action. Among the things that you will need to weigh up are:

• Financing – Make a list of all possible sources of capital for your new project. Commence with those closest around you like family and friends. Once you have some seed cash it is easier to get loans and other investments from more conventional business sources. Basically the more assets you already hold, the simpler it is to get new financing. Try to forecast how many rounds of financing you will require to get you on your feet. As your enterprise grows, you should be able to access more resources. Think about equity investment as a method of getting cash for a business.

• Studying the competition – Unless you have a totally pioneering product or service, there is already competition out there waiting for your potential business. Even if you have a highly innovative patented concept, it will not be long before contenders rise out of the woodwork. Make as rational and unprejudiced consideration of the competition as possible. Also attempt to understand what others who have flourishing enterprises analogous to yours are doing well. You will want to mimic what they do right, but avoid any errors that you notice as well. Gaines notes that you should attempt to produce your own niche market. Make your product or service at least a little different than anything else available in the same marketplace.

• Marketing – For any enterprise to thrive, it must first be noticed. Advertising and marketing are vital for most businesses to get off the ground. The exception may be cases where you already have an existing customer base.

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SOCIAL JUSTICE THROUGH HEALTH CARE

We hardly come across a person who may be fully satisfied with the health care delivery system run by either the government or the private sector. This is true not only for developing but for all the developed countries as well. Every law abiding, contributing individual has some legitimate expectations from the state. Disenchantment with present dispensation of health care compels people to seek better options across the borders. Even the present flow rate of patients from developed to developing countries has assumed the proportions of Medical tourism. Medical tourism is not a one-way traffic. Poor from India are known to visit Rashid Hospital at Lahore for kidney transplants. Medical tourism will definitely bring in world class equipment and services in our corporate hospitals. These corporate tertiary care hospitals can act as excellent referral hospitals. Lack of enough clinical material, as the patients are often referred to in medical parleyences is prompting the doctors from developed world into medical adventurism. Very recently two NGO’s headed by renowned plastic surgeons of Indian origin were in India, claiming to their credit hundreds of cleft lip and palate surgeries conducted in one week. During my brief interaction when I asked them one basic question that how do you justify single step surgery by a single specialist for a clinical entity that require 3-5 set up surgeries by 10 specialists over a period of 20 years, there was no answer. On record local doctors conduct all these surgeries. These NGO’s bring in a battery of trainee resident doctors for hands on training. Dumping of questionable services and drugs continues unabated in the absence of stringent regulations. Clear-cut up to date guidelines by health authorities have yet to be issued to safe guard the health interests of this nation. Most of the drugs banned in developed countries are still being dumped in the Indian market. Commerce alone dictates the policies of multinational companies in health sector of developing countries. State and national medical councils, the watch dogs of our national health interests are controlled by elected representatives from among the doctors. Competitive populism for being elected to these high offices takes away the very sting off these regulators. In this ‘market forces’ driven health sector, apart from other factors, size of the population, economic prosperity and literacy levels dictate the out look of key players. Subjective as well as objective assessments of the health care operations leave people confused with huge piles of data and endless interpretations. At the tail end of govt. health care delivery system is the rural dispensary or the slum revamping center, and the end user an illiterate or semi literate villager or a slum dweller. Dispensary is the humane face, the welfare state can present to its people. In yesteryears the service providers were from among the same social class they used to serve. Doctor can be a friend, philosopher and guide to the locals. Unfortunately the economic and social disparity between the service providing doctors and the service user population has grown enormously. Ad-hocism in health care delivery should be done away with immediate effect. Doctors and paramedical staff appointed on yearly contract basis are not showing any interest in the national programmes. Established private health care providers also have not shown any meaningful commitment for national programmes. Middle class itself has fragmented. Now it is fashionable to assign economic values to any issue like gender, but for social responsibility and justice. In this era of fast paced growth, the unorganized, silently suffering millions can not be wished away. Once reading on biodiversity I stumbled upon a very interesting quote, “only the species with economic importance will survive”. In our active pursuit for magnetizing economy, we assigned economic values to any thing except for morals. Commercialization of education has produced a new breed of professionals who have scant regard for professional ethics. Privatization is the buzzword with governments, because it takes away government responsibility. Private sector players are eyeing many ‘viable’ health institutions. There are no takers for commercially non-viable rural institutions. Rural health institutions dispense social medicine. Very recently one of the key players from private sector health care quoted the cost of developing one bed in corporate hospital at Rs. 30-60 lacs. These corporate health services are definitely out of each of the common man. These type of hospitals are definitely required for a nation with the present rate of growth but ‘bharat’ definitely needs different kind of hospitals. There are very strong social under currents against the exploitive private healthcare, inadequate government sector health care resources and the indifferent approach of welfare state. Health for all is a very lofty but expensive proposition. There are ways and means to reduce the pressure from government institutions. Private-public partnership, health insurance, monitoring and regulation of private sector health care can all make the things bit easy. Preventive health care education can go a long way in improving the public health. Community participation in health care has produced few but wonderful examples. Complementary community participation can make up for minor but critical deficiencies in the government run health care system. Setting up of health system corporations with World Bank assistance has already improved the working of govt. sector health care institutions considerably. Community participation through NGO’s can still improve the system, but most of the meaningful NGO’s turn their back on govt. run health care institutions because of their doubts on the integrity of government officers. Government health care institution are increasingly seen not as caring hospitals but like police stations, where medico legal reports are written and postmortems conducted. Most of the government doctors’ time is spent in courts appearing as medico legal experts witnesses. Emergency, post mortem, and then the VIP duties in addition hardly leave the doctors free for any meaningful job at government hospitals. There is an urgent need to have separate curative, preventive, legal, administrate and health intelligence wings. Government hospitals attract the poorest of the poor, mostly people from the unorganized sector. Their contribution to national GDP is by no means small. With the present growth rate, upward social mobility is seen in every strata of society. Many segments of this unorganized sector can be organised so that they also enjoy the patronage of welfare state in the form of health insurance policies. Apart from direct benefit to these segments of society, the state will benefit from the ‘off loading’ of burden from government run health care system and loading it on insurance driven private sector health care institutions. Poorest of the poor will repose faith in welfare state. Sanjivini, health insurance policy with the Punjab Milkmen Cooperative Societies is already a big success. ECHS (Ex servicemen Contributory Health Scheme) is an other success story. These success stories can be replicated with countless groups like, panwallas, dhabewallas, autorikshaw drivers etc. Simply organize the unorganized sector. There is no dearth of role models from among government doctors also. Their inclusion rather than drift after dissent from the present dispensation of health care will immensely improve the system. Stability of tenure is an excellent incentive government can give to its doctors without costing anything to exchequer. Yet tenure beyond decades should be discouraged as it leads to development of vested interests of the old incumbents and denial of chance to the youngsters. Resource mismatching is a major problem in the govt. run health care system. There are dispensaries where specialists are posted and still many more civil hospitals where non-specialist are posted. These mismatching result in defective and inefficient health care. Nodal Hospitals can be created for round the clock emergency services by cannibalizing defunct and sick institutions where equipment worth crores is lying unused and salary bills are bleeding the exchequer white. Most of the medical officers retire in the same administrate rank. This undue stagnation has forced many a brilliant doctors out of service. By simply seeking options for place of posting, honestly implementing with minimum displacement on merit can also revitalize the govt. doctors’ cadres. Private sector health care delivery system is a totally market driven commercial enterprise. So called ‘market forces’ have least respect for ethical and moral value systems. Multi level marketing chains have evolved in the name of referral systems. End result is exploitation of the unsuspecting common man, who still regards his healer a holy person. This ‘incentive’ system is strengthening the hold of unqualified, unscrupulous and unregistered medical practitioners on illiterate masses. Not many qualified doctors are unscrupulous. A large section of private health care providers feel genuinely threatened by blackmailers of all sorts. Consumer protection act is a very convenient beating stick in the hands of their tormentors.

Under the constant threat of being blackmailed, the private health care providers are becoming more defensive in attitude. More patients are being referred to tertiary care institutions for this reason only, thereby flooding the referral institutions. People have a common feeling that sickness is an invitation for exploitation at the hands of private health care providers. Even the charitable hospitals are charging as heavily as fully private hospitals. Medical profession is fully responsible and capable of self-correction. Medical councils and associations can jointly evolve a fail-safe mechanism to keep their black sheep under check even without government help, but the buck stops with the government. Welfare state is duty bound not only in providing health care delivery system but also proper health care administration and social justice through its health care delivery mechanism.

Name : Dr. Pardeep Kumar Sharma

Email-ID : omfspardeep@yahoo. com.

(M) : 0988456296

Date of Birth : 12. 02. 1962

Education Qualifications : BDS (Bachelor of Dental Surgery)

MDS (Master of Dental Surgery in Oral and Maxillofacial Surgery)

Educational Institutes Attended

Govt. High School Bargari : Matriculation (1969-1977)

Distt. Faridkot, Punjab, India

DAV College Chandigarh : Pre-University (1973-79)

(Punjab University)

Barjindra College Faridkot : Pre-Medical (1980)

Dental Wing, Medical College : BDS (1981-1986)

Patiala

Dental College and Hospital : MDS (2003-2006)

Amritsar

Professional Experience

House Officer, Christian : 1987-1988

Medical College & Hospital,

Ludhiana

Research Officer, All India : Jan. 1989 to June 1989

Institute of Medical Science

AIIIMS, New Delhi

Dental Officer, Indian Armed : July 1989 to August 1994.

Forces in the Rank of Capt.

3

Medical Officer (Dental) : w. e. f. Nov. 1995 till date

in Punjab Civil Medical Service

(PCMS)

Research papers Published

“Role of Programmed cell death in dental anomalies associated with cleft lip and Palate”. “Medical Hypotheses” Churchil Living Stone Publishers London-1991

Post traumatic polatoglossal adhesion, a case report stomatologica India (1990).

Research Project Undertakes

“Malocclusion and associated Factors among Delhi Children” a study sponsored by Indian Council of Medical Research (ICMR).

Areas of Interest : Environment, Health, Defence, International Affairs and Rationalism

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