MIG Insurance Services Commercial

February 5th, 2012

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Dental Care & Oral Hygiene : How to Whiten Your Teeth

January 30th, 2012

When whitening teeth, try either a prescription whitening paste or the zoom treatment procedure at the dentist’s office, which involves a two-hour bleaching procedure. Find out how to whiten teeth in this free oral and dental hygiene video from a licensed dental assistant. Expert: Michelle McPhail Contact: www.MySolutionz.com Bio: Michelle McPhail has been a licensed dental assistant for seven years. Filmmaker: Christopher Rokosz

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What Is the Coggins’ Test?

January 17th, 2012

The Coggins’ test is for a serious equine virus called equine infectious anemia (EIA). There is no vaccine or cure for EIA, which is also known as “swamp fever” because of the warm, wet regions of the United States in which it is more common.

There are three stages to EIA. The acute stage is when the horse shows the symptoms of the disease, which include fever; listlessness; swelling in the chest, belly or legs; and no appetite. Although, while the infection progresses, he may not show any symptoms at all, and it may take over a month for the horse to test positive on the Coggins’ test.

According to the Indiana State Board of Animal Health, between 30 and 50 percent of horses infected with EIA die within two to four weeks of showing initial symptoms.

Horses that survive the acute phase enter the chronic phase where they will have recurring symptoms of the disease including weight loss, fever and anemia. Such horses can survive up to a year or more in this stage before finally succumbing to the disease. While appearing healthy at some times, horses can experience acute episodes again when under stress such as when faced with hot weather, hard work or other disease, according to the Indiana State Board of Animal Health.

EIA is transmitted to horses by insects such as deerflies and horseflies. It can also be transmitted to horses through instruments contaminated with infected blood such as needles or tattoo equipment.

Some horses can also be in the asymptomatic carrier stage where they do not show any signs of disease but will test positive on the Coggins’ test. But these horses can also experience acute episodes when stressed. The Indiana State Board of Animal Health notes that these horses in the asymptomatic carrier stage present the greatest danger to healthy horses in public gatherings like horse shows or clinics because they appear healthy.

Surviving horses are unable to completely clear themselves of the virus and will remain infected for the rest of their lives, according to the Animal Disease Diagnostic Laboratory at Purdue University. Affective control of the disease depends on isolation of new, sick, untested or positively testing horses; hygiene with regard to needles and like equipment such as dental tools, fly control and identification of positive animals.

Horse owners are often required to submit a negative Coggins’ test in order to show, move to a new stable, sell their horse or transport their horse across state lines. A negative Coggins’ test proves that your horse is safe to have around other healthy horses.

According to the US Department of Agriculture (USDA) Animal and Plant Health Inspection Service (APHIS) fact sheet on the EIA virus, it is the “first persistent virus for which antigenic drift was defined. (Antigenic drift is the virus’s ability to change its form sufficiently so that it is no longer vulnerable to existing antibodies.)”

To determine if a horse is negative on a Coggins’ test, a blood sample from the horse is tested for the presence of EIA antibodies. Antibodies are proteins produced by the immune system that recognizes and helps fight infections and other foreign substances in the body. The antibody is specific to the EIA antigen (a foreign substance causing an immune response).

The Coggins’ test was developed by Dr. Leroy Coggins, a veterinary virologist, in the 1970s. According to the Animal Disease Diagnostic Laboratory at Purdue University, the test has a 95% accuracy rate and is the most used test for EIA though other tests can be used when the results are questionable or to confirm diagnosis.

According to the USDA APHIS, the percentage of positives for the Coggins’ test has declined from “nearly 4 percent in 1972 to less than 0.01 percent in 2005.” The agency states that historically the disease was present particularly in “hot zones” such as Texas, Oklahoma, Louisiana, Missouri, Tennessee, Alabama, Georgia, North and South Caroline, Virginia, Kentucky, among others. Recent figures show that the prevalence of EIA in the United States is roughly less than 8 in 100,000, according to the USDA APHIS.

Many states have different requirements with regard to handling horses positive for EIA. Because there is no cure for the disease, and a horse positive for it is a threat to healthy horses, many states require euthanasia. Others allow for very strict quarantine measures, where horses are removed from the herd and kept in a 200-yard buffer zone away from all other horses. Some require confinement to a screened stall. Isolated horses are to never have contact with with the rest of the herd again.

Though EIA is low in incidence in the United States, to reduce risk of horses being infected with EIA, the USDA APHIS recommends horseowners:

Never share needles among horses. Dispose of needles after each use.

Sterilize instruments thoroughly after each use.

Keep stables and area clean and drained to avoid attracting insects that spread the disease.

Use insect control such as insecticides.

Quarantine unhealthy, infected animals. Do not breed horses that have tested positive to EIA.

Quarantine all horse species that are new to your facility until you have a Coggins’ test.

Have the Coggins’ test result done and available for horse shows, fairs, and other places where animals co-mingle.

Follow state laws concerning EIA.

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Simply Puerto Vallarta, Medical Care

January 8th, 2012

www.TVPuertoVallarta.com for full text Hundreds of Americans flock to the Bay of Banderas for quality health and dental treatments. Puerto Vallarta has quite a few facilities offering excellent services. Some facilities will accept American insurance but check prior to any treatments. Hospital administration personnel are more than happy to answer any questions and most area facilities will conduct tours. They are quite proud of their advanced technology. Many Mexican doctors receive at least part of their training in the United States and since Puerto Vallarta has a large English speaking sector, area medical professionals do their best to make everyone comfortable. In Mexico various medical treatments and dental procedures can run in a range from 50 to 70 percent less than in the United States. Plus medical tourism is a budding sector in the Mexican economy and watch this market grow as many Americans remain unemployed or they will work for companies that no longer provide medical insurance. Adding a doctor or dentist visit to a vacation itinerary looks increasingly attractive to many living north of the border.

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How Does DeltaCare Work?

January 6th, 2012

DeltaCare® USA is Delta Dental’s national Dental Health Maintenance Organization (DHMO). They have a managed care plan that is capable of delivering fine quality care for a mere fraction of what traditional plans cost.

We will take a look at how their plan works and focuses on prevention, on their level of service and quality of their provider network. Most important we will discuss their advantages and the savings you might accumulate by using their innovative dental plans.

The entire philosophy of prevention is central to their approach to managing your dental care. There are over 120 diseases or conditions that are directly related to oral hygiene. Therefore DeltaCare gives its members total coverage for preventive services and for examinations. The goal is to keep their patients in a condition of good oral health and thus prevent future costly or serious problems before they begin.

How does it work?

DeltaCare operates a lot like a dental HMO. As a DeltaCare member you select a Primary Care Dentist (PCD) from their network. This will be your regular dentist who will organize your treatment plan once you have been examined.

If you need specialized care, you can choose a specialist from the DeltaCare network or consult with your Primary Care Dentist for a recommendation. You will be responsible for set co-pays for most of the procedures you receive. You pay right at the dentist office to your dentist. You do not have to file any claims or insurance forms at all. That is one way they keep the process easier for you to manage. You also have the benefit of knowing before you go what your costs will be because the co-payments are fixed and published.

There are many advantages with this kind of managed care program. Among the standard benefits you will find total coverage for examinations and cleanings and preventive services. In addition, another standard benefit is comprehensive orthodontic coverage. (That is unusual compared to what most other companies offer.) A group plan can be set up if you have more than 5 employees and it will include prevention and various levels of restorative dental care. We have already mentioned the fixed co-payments that list every procedure that is included and what the up-front cost will be, so you can be better prepared for dental expenses.

Working with a large national company also gives you a comprehensive high quality network of professional dental care providers. The savings you receive are in part because of the DeltaCare capitation plan. That means each dentist in the network gets paid a flat fee every month to provide care for you and all other members. That is how the insurance company is able to manage their costs so effectively. It also gives the dentists encouragement to focus on prevention to keep their own need for extensive and expensive treatments to a minimum.

On the flip side, there are some critics who object to the capitation plan because it leaves room for dentists to be paid for your membership regardless of whether you were treated during that particular month. Nonetheless, this type of plan has demonstrated efficiency, efficacy and quality service and savings across the nation. Plus it has a guaranteed satisfaction refund policy for all of its DeltaCare dental plan members.

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Dental Insurance

January 2nd, 2012

Dental insurance is when your insurance policy is supposed to pay for your dental matters, depending on which policy you choose you will get certain treatment when in need of dental care. I t has been thought by many that having dental insurance will save you lots and lots of money and although this may be true to some extent dental insurance may not cover all dental costs. So you should not get this wrong and think that by having insurance you have taken care of all your dental issues, you may just be wrong about it.

Most dental insurance policies cover certain costs, mainly the cheaper ones and they will not usually cover procedures greater than teeth extraction and you just have to know what your policy covers and what it does not cover. Plans and policies may vary according to your insurer and so it is best to know what your insurance policy states. A certain insurer may pay for say 80% fees for you to have a root canal that means the rest will be on you and say cover another 50% for the crown as you know that having a root canal needs the crown to be added. In total you pay the other 20% for the root canal, then pay half for the crown and depending on how much these cost you will know whether you are paying little or having to fork out a lump sum. Say your policy is fixed to cover $1500 a year and you find yourself needing repairs worth 5,000 you will pay $3,500 alone. Certainly not looking as if you insured.

A dental insurance policy carries a maximum amount to cover annually and should your expenses go over that then it is on you, try finding out from your insurer the terms and offers available for you.

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Medicare Plan Finder at a Glance

December 28th, 2011

This short video demonstrates how you can use the Medicare Plan Finder online tool on Medicare.gov to view and compare your Medicare health and drug plan options available in your area and enroll in a plan that best meets your needs.

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