Alzheimer’s – Discovering the Health Insurance Options

Learning that you or your loved one has Alzheimer's disease is a frightening experience. Alzheimer's is a progressively worsening condition of the brain where a person goals who he is, who he knows and what he can do. As a person's Alzheimer's disease worsens, it becomes harder on the caregiver than on the patient. One thing that an Alzheimer patient and his family should not worry about is health insurance. There are a wide variety of options for health care to deal with the associated costs of providing long-term health care to the patient.

Alzheimer's disease often affects the elderly. For now, the government provides federally-funded insurance in the form of the Medicare program which covers many of the costs associated with the disease in those Americans 65 years of age and over who are covered by Medicare. In general, Medicare covers 100% of hospitals and about 80% of non-hospital care. Reports indicate that Medicare covers many Alzheimer's treatments such as doctor visits, physical and speech therapy, mental health care and skilled home nursing care. There is a deductible associated with Medicare. Even with Medicare, many Alzheimer patients require supplemental insurance to cover additional costs not covered by Medicare.

Often, a Medicare patient will have a form of supplementary insurance provided by a private insurance company. This type of insurance coverage is secondary to the coverage provided by Medicare and is also referred to as Medigap insurance. The coverage provided by a Medigap policy of insurance is determined by federal and state law but it can vary quite a bit. If you or a loved one with Alzheimer's disease needs a Medigap insurance policy, then you should carefully consider the policy and the coverage it provides. Read the fine print to ensure that you are getting the coverage you need.

The progress of Alzheimer's disease from the initial diagnosis to the eventual death of the patient can take years. In that way, Alzheimer's is a chronic disease. That is why it is so important to make sure that your loved one has the proper health insurance to provide coverage over the long run. If your loved one is not old enough to qualify for Medicare, you may want to look into disability insurance to cover the costs associated with Alzheimer's. Typically, that type of coverage will pay a percentage of the person's salary from when they were employed. Your loved one may also qualify for social security disability insurance, but qualification can be an intensive process and may require hearings and appearances before the coverage is approved.

If you need assistance in locating coverages to cover this condition, we can help. Please visit our website at http://www.health-insurance-buyer.com and leave your contact information so we may respond to your request and guide you.

Exciting Multimedia CD by Branden Books Publisher Adolfo Caso

Observations in Poetry and Pictures:

The Words and Images of Adolfo Caso

By Adolfo Caso *

The Dante University Foundation, Inc.

ISBN: 0937832464

70 Pages, MultiMedia

I do not immediately understand all poetry-yet the words speak to my heart and it responds. So, oftentimes, I read and reread a selection until the words flourish in my understanding. When I opened Adolfo's CD, I found that I went through it three times before I forced myself to stop. And now, as I write this review, I begin again … watching, reading, listening and enjoying!

This work is a delight! This is a magnificent array of sights and words that capture you from the introduction to the end.

My eyes were first drawn to his photography. Immediately it spoke to me as I relished someone else's interest in rock formation and its beauty. I thought of my own rock garden scenes and wanted to share and talk about the visions he had presented to us. I want to go to these places that have been captured; I want to walk near and touch the images – are they really so beautiful? I want to sit and study this beauty, see it from different angles than those that have been captured. . Each picture is intriguing, beautiful, and evocative-there is no choice but to immediately go now to read the words!

Adolfo and I briefly met many years ago in Chicago … then I dared to know him through his book, The Straw Obelisk, But, Adolfo's poetry and photography allowed me to come to know him, yes, as a true artist. His claim that he did not have the talent to become an artist is only partly true, for his talents have been demonstrated through words and camera. Come, let us review his words now:

Run:

Fulfill those Urges

That surge inside your soul,

Kiss:

If you do not do it now

You will miss the bliss

That attracts the young. *

* Part of "Why Dream," p.4.

Here they are; here they are,

The God-made couple

I bought my hand to her breast

And there beheld Paradise. *

* Part of "Evening in Spring," p.10

Whether the words are of love, man's flight into space, Kennedy's death, or the many other issues expressed, they solicit passion, wonder, and tears. We hear the music that he hears. We laugh or we cry with Adolfo; we empathize through his words. And it is good to share his thoughts. For those of you who know the language, the final selections are provided in both Italian and English and as he shares memories of Naples and Milan, it will be a special blessing for many of you.

During my third time through, I noticed a little mark above the directional arrows. Clicking in curiosity, I am amazed to find Adolfo, sitting at a little bistro table, an espresso before him … and he's talking to me! He tells me about why he writes, he shares intimate thoughts as we sit there. Other times, I click and a lovely female voice is reading along with me, articulating each word carefully, so that I may enjoy each word more fully.

I was impressed … no doubt about it! This book in macromedia form is something that will be held close and enjoyed over and over. Adolfo, I applaud your works, I embrace your words to my heart and I delight in the sights you have shared. There is no doubt whatever … get this CD!

* Adolfo Caso is owner / publisher of BrandenBooks

The Biggest Online Dating Mistakes Men Make

Dating has completely changed from your parent's era, or even your own if you are an older individual entering the scene after a long absence! Today, online dating is everywhere and if the television and online ads are to be believed people are falling in love all over the place! Unfortunately, this is not really an accurate depiction of the online dating world. Sorry, no magical instant connections in most cases. Do not be alarmed, however, there are some things you can do, or more accurately not do to create a more successful experience. Here are just a few of the biggest online dating mistakes men make.

Bedroom Focus

What type of dating site are you using? If it is one billed as a romantic gathering place where most clients are trying to find "the one", you are not going to get very far with a bedroom focused approach. Do not bombard the women with requests to "slip into something more comfortable" and take pictures or other such non-sense. There are places you can meet others with this same agenda, just be sure that is the type of site you are using if it is your goal! Otherwise you are going to wind up with a number of rejections and sometimes even a few women who will tell you where to go.

Read, Read and Read Again!

People are visual beings and it can be hard sometimes to realize you should read the profile, particularly if the woman depicted is as they say, smokin 'hot! Yet, you really should read her profile because somewhere along the way there are bound to be some deal breakers for her, for instance if you smoke or drink. Probably one of the biggest complaints women have about online dating is the fact that men do not go past their profile picture. Remember, you are here to meet women you are compatible with on many levels, not just physical.

Long Winded

When you have mastered the above issues, it is time to send out some emails. While you should read everything she posted on her profile you do not need to have hit every point in your return email. Sending her a War and Peace sized missive will likely get you relegated to the trash before the first paragraph is read. Keep it engaging, simple and short for the best results. Think about it, online dating clients are likely getting several emails per day!

Sites

Where are you spending your online dating budget? There are so many sites out there it is enough to make your head spin and you may be tempted to opt for the cheapest alternative. This could be a big mistake! You will be much better served to stick with the big names in the business, particularly if you are new to the process. These companies have a proved track record and a much larger clientele. More members means a better chance you will meet someone you are compatible with.

Final Thoughts

These are just a few of the biggest mistakes men make in online dating. Other things you will want to avoid are poor spelling, bad pictures, incomplete profiles (yours) and lying on your profile. What is the point of making yourself out to be someone you are not?

Who’s Got the Right to Decide If a Consumer Should Sell Their Airline Miles?

Frequent flier miles – many people get excited when they heard those words. How many of you have signed up for credit cards or shopped in certain places just to get an extra 500 to 1,000 points? A lot of you, right? But, did you know that even though you have bought and paid for these frequent flier miles, you cannot sell these miles.

Surprising isn’t it? Well, it’s even more surprising to find out that, while you can’t sell your miles, your favorite airline has been doing just that. Sites like Points.com can purchase miles from you at significantly less than what you would be getting in a free market. And, a lot less than the amount of money that the airlines are making off of their frequent flier mile programs.

Confused? Then, let’s get you some background on the subject. The frequent flier mile programs were first created as rewards for customer loyalty. These miles could be turned into discounts or credits for airplane tickets. But, soon this changed from just a customer loyalty program into a commodity that could be earned in different ways, including buying from a certain store or using a certain credit card.

Basically, you began to pay to get those loyalty miles. And, in turn, airlines began to make a profit off of these sales because of their relationships with the vendors. As the profits grew bigger from these sales, the airlines began to put more and more restrictions on how you could use your miles and when. The rise of the blackout periods took over.

So, consumers had a ton of miles that they couldn’t use or were getting ready to expire. Now, with panic setting in, they decided to do the next best thing. Sell those miles, get some cash and finally get some benefit out of their miles. Frequent flier brokers began popping up to service this segment of the market and help out the frequent flier in need.

Yet, the airline industry couldn’t just leave this well enough alone. Fearing that this simple exchange of goods would threaten them, they began intimidating their most precious commodity: the consumer. They would disable accounts or take away miles from anyone who dared to sell what was rightfully theirs.

The right to buy and sell frequent flier miles continues to be fought on many grounds, including the courtroom (check out the Delta SkyMiles case from a few years back). There are proponents and opponents on both ends of the spectrum.