Sunday, August 17, 2008
US team creates stem cells of 10 incurable diseases (AFP)
AFP - US scientists have cultivated a new line purchase coenzyme q10 stem cells that reproduce the genetic defects responsible for 10 incurable diseases such as muscular dystrophy and Parkinson's disease, a study said.
Affordable health insurance rate: There are tips that will help you get serious savings without putting yourself at risk. Would you like to know them? If so, these suggestions will go a long way in helping you achieve just that...
1. For those who have a pre-existing condition that makes it hard or too expensive for them to enjoy private personal health insurance coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance buy dehydroepiandrosterone provide a cheaper option.
2. If you take alcoholic beverage your rates will be higher than another profile that doesn't. Taking alcoholic beverages makes you a bad risk and therefore gets you higher rates. Many ailments can be traced to drinking.
What quantity of alcohol is safe for you? I cannot advise you on that since I'm not an expert on such matters. What I'm sure of is that avoiding drinking completely is very safe. So you can reduce your rates (Apart from reducing the risk of developing certain health conditions) by staying away from alcohol if you can or drinking in real moderation if you can't.
It's just that for most people drinking in moderation is even more difficult than staying away completely. You can be assisted if you really want to stop drinking.
3. How much can you contribute to payments for seeing a doctor? This is known as your co-pay. The higher your co-pay, the more affordable your rates will be. If you rarely ever need to visit a doctor, you may make much savings by choosing a high co-pay.
4. If you want a discount, get your health insurance policy from the same insurer you bought existing policies from. Insurance companies offer a multi-policy discount to persuade you to buy other policies from them.
In spite of the fact that you can save a lot with a multi-policy discount, you may get a better deal by buying your various policies from different insurers.
5. Smokers pay rates that are double or more that of non-smokers. It's not disputable that smoking is the highest known cause of cancer and other killer diseases.
This increases their risk to an insurance company and so raises their rates considerably. If you can quit smoking you'll get rates that are dramatically cheaper when you reapply after 12 months.
6. You will save much if you will shop around and do thorough comparison. The difference in quotes returned for a query could be as wide as $1,000 for a particular profile. Notwithstanding that this is a good thing, it's important that you don't get too excited yet. It's not usually that straightforward if you want the best price/value.
The cheapest price may not represent you the best price/value. Although each of the quotes returned will definitely give you the same basic coverage, there may be a lot of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.
Don't forget to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've had all your questions answered to your satisfaction. You will prevent rude shocks later if you do this.
Here are great pages for health insurance quotes...
InsureMe Health Insurance Quotes
Chimezirim Odimba writes on insurance.
