Category: ‘Uncategorized’

Attic Conversions – A Popular Home Improvement Project

November 6, 2017 Posted by kyu7

Conversion of attic is a process by which an empty attic space can be transformed into a functional area or room, which can be used as a bathroom, bedroom, play room, kid’s room, storage room, gym room, etc. Owing to their numerous benefits, it is a very popular form of home improvement.

It provides you with added space so that you don’t feel that you live in a house which is cramped up.

It helps to raise the value of your existing property.

It prevents from causing any kind of inconvenience to the family, as they do not have to move to a new home and locality.

It is much cheaper than buying a bigger house.

It helps you to live in peace in your own home.

The many advantages that one gets out of an attic conversion can be extremely tempting, but prior to starting the conversion project, one has to make sure whether the project is feasible or not. How do you do that? Here are some of the basic requirements to ensure that you can have a successful conversion:

Inspect the attic room thoroughly and check how much of a headroom space is available. To convert an attic into a habitable place, you would require 2.1 meters of minimum headroom space.

Check the roof of the attic for any damage caused by rainwater. If there are visible black patches, it means that the problem persists, and that should be taken care of before commencing on the conversion project. Also, check for leaks and cracks on the roof.

Since the attic is a room which is just below the roof, it will be slightly warmer and colder during summer and winter months, respectively, than the other rooms in the house. For this reason, the attic should be properly insulated to create a comfortable living atmosphere.

If you have been using a pull-down stairs to climb up and down the attic, then you will have to change that and add a staircase which is permanent. While adding a staircase, one has to consider about what lies below, how much space the staircase would be taking up, whether they will interrupt the flow of the other rooms, etc.

Have a clear idea about what kind of usable living space do you want to convert your attic into. Take help from experienced and reputable companies who have the required knowledge in order to get the best assistance and to protect yourself from over-spending. The professionals will be able to perfectly guide you and answer all your queries to your satisfaction.

Find out if you need to apply for planning permission for conversion of your attic.

The above points are only the basics of conversion which are required to check the feasibility of the project. Conversions are growing in popularity as we speak, because of their many benefits, affordability and the convenience of the homeowner to be able to get free space in their own home without having to go through the stressful process of moving. Also, the value of the house increases by an approximate 20%. It’s a win-win situation for the homeowners, in case they opt for this option to improve their home and add value to it.

Five Most Popular Home Improvements

November 6, 2017 Posted by kyu7

The Halifax found that almost three-fifths of homeowners (58%) have undertaken some form of home improvements over the past year. Younger adults are particularly keen on feathering their nests, with almost seven in ten 18-34-year-olds (68%) carrying out home improvements in the past twelve months.

Of course, as well as updating and modernising their homes, DIYers hope to enhance the value and improve the saleability of their properties. The bottom line is that the works are generally anticipated to net an additional £5000 on the resale value of the owners’ homes. According to Halifax’s annual Home Improvement Survey, the five most popular home improvements are:

* Re-decorating – 66%
* Garden improvements – 41%
* New furnishings – 30%
* Laminate or wood flooring – 25%
* New bathroom – 24%

So, how would you go about paying for these home improvements? Here are three options for you to consider:

1) Use cash or savings

As a reformed debt addict, this would certainly be my first choice. What’s more, it’s likely to be the cheapest option, since all you stand to lose is the interest on the money you put to one side or withdraw from your savings account. However, if you can’t afford to fund your home improvements from your regular income, and you don’t have an emergency fund or nest egg to fall back on, then your next option might be to…

2) Get an unsecured personal loan

These are known as ‘unsecured’ personal loans because they are not secured on your property. In other words, if you don’t keep up the monthly repayments, you aren’t likely to lose your home (although it is possible). Alas, choosing a personal loan is far from simple, as there are hundreds of different loans from which to choose. If you want to borrow from £1,000 to £25,000 without putting your home on the line, then don’t move a muscle until you’ve read my twelve tips in The Loan Arranger Rides Again.

3) Borrow against your home

If you’re planning some major work on your home, such as an extension, loft conversion, new kitchen or bathroom, then you’ll probably need to borrow more and over a longer period. In this situation, you may decide that a secured loan is your best option. Although secured loans have their critics (and I’m one of the most vocal!), they do enable sensible homeowners to borrow cheaply against their properties.

If you do go down this route, then the first step is to ask your mortgage lender how much extra it will cost to extend your existing home loan, as this is often the cheapest option. If you don’t wish to approach your existing lender for whatever reason, then next look into remortgaging with another lender.

You then need to shop around for the best possible deal in a choice rich secured loans market. However, this market can be dangerous, so watch out for bandits – especially those which advertise in the back of newspapers or on daytime television!

As with all borrowing, your goal should be to minimise the amount that you repay, so pay close attention to the interest rate (which may be variable) and fees being charged. Furthermore, be sure to get written details of all charges for credit, plus the total amount repayable (TAR), which should include all interest and charges. Get it right and the TAR for a £25,000 loan over five years could be as low as £29,775 (7.34% APR). Get it wrong and the total could be as high as £38,884 (21.27% APR). Ouch!

Finally, don’t be tempted to borrow more than you need and, while taking affordability into account, aim to arrange your loan over the shortest period possible, as this will minimise your final interest bill. In addition, don’t become too eager on keep on borrowing against your home, because it’s your dwelling, not a cash machine!

Safety and Accessibility – The Most Popular Home Improvements For Seniors

November 6, 2017 Posted by kyu7

It won’t come as a surprise that the vast majority of middle-aged and older Americans want to remain living independently in their own homes and communities for as long as possible. This was verified by a survey conducted by AARP. This regular survey, based on telephone interviews of 2,000 persons age 45 and over, examines the opinions and behavior of middle-aged and older Americans regarding their current and future housing situations.

These older Americans want their independence, but they also need to be able to function in their own homes. The survey found that seventy percent of those who are able to make alterations to their homes have made at least one modification in order to make it easier for them to get around. As many as two-thirds of those who made modifications to their home believe those improvements will help allow them to live in their homes longer than they would have been able otherwise, most estimate for another ten years or more. The most popular improvements were focused and accessibility and home safety. Of those polled, 85% said they have already made simple changes to their homes, such as placing non-skid strips in bathtubs, safety bars in showers and handrails on both side of the stairwells.

The top 10 most popular home improvements reported were:

Levered doorknobs.
Grab bars in bathrooms.
Levered faucets in kitchen sinks.
Handrails on both sides of stairwells and on front and rear steps.
Grab bars in showers; removal of any door threshold.
Movable shower heads for those who must sit.
Portable shower seats.
A bathroom with a bath/shower as well as a bedroom on the first floor.
Widened doors to accommodate wheelchairs.
Ramps for those using walkers and wheelchairs.

As Americans continue to live longer and demand independence, these types of improvements will likely continue to increase.

Popular Home Improvements

November 6, 2017 Posted by kyu7

Many home owners have been showing so much interest in improving their homes in the last few years. Most of them have already executed varying improvement projects for their homes and have been appreciating the results of this fruitful undertaking. Home improvement not only helps in raising the value of a home but also brings out a better and more attractive look for the home. This makes the owners feel more comfortable and confident with the place.

There are varying home improvement ideas that are available and ready for execution. The size and design of your house matters a lot and this can actually hinder you from applying some of the ideas. Within those varying ideas, there are a number of them that can be applied in most homes because of their usefulness and ease of design. They are the popular home improvements. The list below shows those improvements and can be used as a guide for choosing the best home improvements to go with.

1. Upgrading bathrooms and kitchens

With the increasing rise in technology, many bathroom and kitchen appliances are continuously being developed. Some of the appliances are oh so useful and economical. This makes them require a certain setup that cannot be accommodated by the old school room designs. This raises the need for a makeover on those places. New and highly attractive bathroom and kitchen designs that raise the value of a home are also coming up at a high rate, and this is making many home owners opt to go with those designs as they are truly elegant.

2. Using boilers

Boilers are highly valued assets that are continuously gaining fame and use because of the benefits they bring to home owners. Acquiring and installing them requires a good sum of money and this forces the value of a home to rise immediately after a boiler is installed. Apart from new installations, people are also replacing their old boilers with new ones that are more expensive and coming from reputable companies.

3. Double glazing

Many homeowners have been replacing their old windows with the double glazed ones due to a number of reasons. Double glazed windows are good at reducing noise and heat transfer. They are also important in improving home security as well as enhancing its value. This makes double glazing an important feature for homes and has thus been gaining a great acceptance and application by the people.

4. Home garden makeover

A home garden is an important part of the home’s face. Having a decent garden helps in creating a better image of the home and in turn raises its value. The home also becomes more attractive and this is something that every home owner wants. Being an easier and more economical way of improving the overall homestead, garden makeover is a very useful step and has thus been considered to be part of the popular home improvements that have been trending.

Medtravel Ecuador: Reliable Medical Tourism Resources

February 20, 2017 Posted by kyu7

MedTravel Ecuador is located in Quito, Ecuador, a subsidiary of the Global Health Corporation. As a major medical tourism and health destination provider, MedTravel Ecuador is dedicated to promoting safe, effective, certified and reliable healthcare providers throughout Ecuador.

Combining the benefits of tourism with medical care, MedTravel Ecuador offers a variety of benefits and services to global travelers.

Benefits of Working with MedTravel Ecuador
PlacidWay, an increasingly popular in growing medical provider for international medical tourism resources and packages, has joined with MedTravel Ecuador in offering superlative, effective and quality medical care in Ecuador. MedTravel Ecuador:

• Is a partner with Hospital Metropolitano, the top rated hospital in Ecuador
• Is a partner with SEITUR, the largest corporate travel agency in Ecuador
• Offers air and land transportation, accommodations, and affordable packages and rates
• Offer services with accredited hospitals and physicians trained in the United States, Latin America and throughout Europe utilizing state-of-the-art equipment

MedTravel Ecuador specializes in providing quality services in:

• Orthopedics
• Dental surgery
• Bariatric surgery
• Plastic surgery
• Ophthalmology
• Wellness programs and spas

“The Hospital Metropolitano is ISO 9001:2000 certified and offers a AAA rating from the Bank Watch Ratings Grating Committee,” says Pablo Calisto, Director of MedTravel Ecuador. “The hospital was awarded the Municipality of Quito and the Environmental Committee Awards in 2008 for Improvement in Technological Innovations in Health Services sectors having an impact on environmental protection. We’re very proud of that.”

In addition to such benefits, MedTravel Ecuador and Hospital Metropolitano partner with international medical Centers and facilities including:

• The Mayo Clinic
• The Cleveland Clinic Foundation
• Mount Sinai Hospital in Miami
• Texas University
• Alabama University
• Brest University in Germany

and a variety of hospitals throughout Latin America including top rated hospitals in Brazil, Argentina, Chile and Columbia.

MedTravel Ecuador, in association with the Hospital Metropolitano, are dedicated to providing the best in private healthcare services and has become nationally as well as internationally recognized for excellent quality of care, high technological standards, education, teaching and research. Patients rights and commitment to improving quality of life, protecting and promoting human and professional development, as well as quality education and research have built Hospital Metropolitano into a leading medical facility with a global reputation for quality, respect, and patient care.

MedTravel Ecuador Offers the Ultimate in Services
“We’re extremely pleased to join efforts in providing superlative medical and health care options to international travelers,” says Pramod Goel, CEO and Founder of PlacidWay, a leading medical tourism resource any information database located in Denver, Colorado. “Patients deserve options and choices in where and how they receive their medical care.”

Patients traveling to Ecuador for treatment in the fields of orthopedics, vision care, obesity or bariatric surgery, as well as cosmetic and plastic surgery will enjoy the benefits of certified and experienced healthcare while enjoying a holiday in Quito, one of the most beautiful cities and destinations in Ecuador.

For more information regarding the specialties offered at MedTravel Ecuador as well as information regarding doctors, specialties, and postgraduate studies and training received by the doctors and surgeons available through MedTravel Ecuador, visit PlacidWay.com for information regarding treatments and procedures, in-depth profiles of treatments, qualifications and experience at the center, as well as accessing information regarding travel packages that may save thousands of dollars in medical care costs.

Medical Transcription Outsourcing – Seamlessly Integrating With Healthcare Facilities

October 22, 2013 Posted by kyu7

The healthcare sector provides valuable services that help save lives and improve the quality of life. In the modern world healthcare services have gained a more significant role considering the stress levels of today’s lifestyles. To provide quality services healthcare facilities and healthcare professionals draw quality inputs from various sources. To enable the continuous provision of quality healthcare it is equally important for healthcare facilities to have a healthy bottom line.

The key to empowering the main goals of providing quality healthcare and maintaining a healthy bottom line it is important to evaluate each input to the healthcare process on the following basis:

· Ability to seamlessly integrate with the working of the healthcare facilities
· Ability to maintain quality services
· Help lower costs

One of the components for providing quality healthcare and maintaining a healthy bottom line is the information from patient medical records. Patient medical records provide support to healthcare facilities and healthcare professionals in the many aspects of successfully running the healthcare facility. Information from the patient medical records is essential as:

· A chronicle of the treatment process
· Forms the basis of continued care and future care plans
· Is the basis of referrals
· Provides important evidence in case of litigation
· Helps fulfill statutory requirements
· Provides the basis for coding and billing

Healthcare facilities and healthcare professionals have many options available to them to document the patient- healthcare professional encounter to create patient medical records. However outsourced medical transcription services have been found to be the most preferred, cost- effective, versatile and convenient option for documenting the care process. Medical transcription services also have the additional advantage of being able to seamlessly integrating into the working style of healthcare professionals and healthcare facility operations.

How do outsourced medical transcription vendors seamlessly integrate with the operations of healthcare facilities?

No change in working style: Healthcare professionals are starved for time and adapting to new styles of capturing information could result in loss of productivity or even result in errors. These service providers are fully aware of the pressures of healthcare professionals and have made it convenient for them to capture information regarding the patient encounter. Doctors/support staff/clinics/hospitals are provided with options to use dictation devices they are comfortable with. Once the dictation is finished, systems are put in place to help upload these audio files for transcription by configuring the system to check for dictation files at agreed intervals.

Once the audio files are downloaded for transcription, the files are allocated according to the specialty the transcriptionists have trained in, this ensures maximum accuracy.

Transcription providers have quality processes in place to ensure that each transcript is put through rigorous quality assurance process to ensure minimum errors. The role of the dictator is limited to clear and audible dictation, which can be easily integrated into their working life.

Customized services: Outsourced medical transcription service providers realize that the needs of different doctors/support staff/clinics/hospitals are specific. Therefore these services are customized to meet all the special requirements as specified by them Factors like templates, turnaround time, the modes of delivery and even the option of delivery to multiple healthcare professionals is offered and inculcated into the service package. Additional services like editing and proofreading services for speech recognition transcription are also provided as per their preference.

Easy access: These service providers provide easy access to services in terms of the technology required for transcription and the team. Outsourced services also provide easy access to older transcripts and summary of work.

Web Design For Healthcare, Pharma And Medical Brands

October 17, 2013 Posted by kyu7

Healthcare web design is a varied and huge animal. A lot of healthcare web development companies have difficulty knowing where to start. But really the principles are the same in this industry for any experienced and accomplished healthcare web development professional. But it is how a visitor finds you, sees you and the experience that they have that will truly determine how successful you website is.

Trust

Your healthcare web developments have to encompass trust at their heart. This is going to be the most valuable commodity, especially if you are a new or unknown company or service provider. The sector you are in will also influence how difficult it is to build up online trust. So the diet sector along with a lot of alternative therapy providers will have an uphill battle to win.

The issue you will have is this. Healthcare, like life insurance, car insurance and many other critical areas of our lives screams to our subconscious that we should only trust someone we know or who has been recommended to us by our friends. If you go now to a website and see a life insurance banner, you are probably not going to click it or buy straight away from an unknown supplier.

So How Do You Build Up the Trust Required?

Well as part of your healthcare web design you need to have someone on your side who knows how to build trust. Having someone on your side that has been there and done it is priceless. We ourselves have gone through the pain barrier over the years. This means that we have taken the lessons and successes on board so that you don’t have to.

Building an integrated healthcare web development strategy that gives trust is a two part story. The first part is the impact and first time impression of your site. We know this and are experts at this aspect. On average a visitor will take only about 5-10 seconds to make their minds up as to whether to stay or to hit that back button on their browsers. So you are looking to drop in the quality indicators for that fast scan that holds the visitor and encourages them to explore.

Engaging With the Visitor

To build trust and to retain a loyal reader and potential customer your healthcare website design and quality content has to be engaging on many different levels. It is not just about looking smart and professional. In fact that may actually work against you in some healthcare areas. Sometimes having a more relaxed, non-officious approach can pay enormous dividends. It becomes less about marketing speak and more about satisfying a visitor’s needs.

Ideas for healthcare website design here include multimedia content in the form of videos, webinars or audio interviews and recordings. It could also mean having a blog which is less formal and can take and accept comments. After a while this comment conversation actually generates its own content and power.

Making the Website Experience Easy

If your healthcare web design is terrible then you are not going to keep anyone on site, no matter how good the content or how engaging. The content needs to be logically and well organised for easy access. Nothing should be too many clicks away either. Your organisation is a professional one, so it generally should look as though it was put together by a professional. A very high standard of graphics is absolutely necessary.

Functionality and Security

This is where, as far as healthcare web development is concerned, we come into what is dealt with and regulated by the regulations, such as the ABPI and other professional bodies. The main things to consider are the protection of personal data if you have a forum or membership element, the security of information and the segregation of certain information to restrict access to certain groups of users. For instance this may mean the separation of healthcare data for practitioners and customers.

This is critical for your company. If you do not achieve this in the architecture of the healthcare website design, you put yourself at risk on several fronts. We know the importance of making sure this is done properly. If it is not done correctly it could mean censure or even worse a criminal prosecution or civil proceedings.

Then there is the case of social media interaction. If you fail to understand or handle this properly you will come seriously unstuck. Social media is a superb way of encouraging involvement and building your brand and reach. Sites such as Facebook and Twitter have immense power. But there are also dangers that you could fall foul of. The speed with which information can be spread and the huge amount of users who will share it make the whole area very sensitive. Fortunately, we have a lot of experience in managing sensitive and regulated campaigns and making sure they are successful.

Conquering SEO to Increase Visibility

Search engine optimization is a valuable way to promote your site and brand and to provide an additional way of gaining trust and visitors. Healthcare website design should be carefully and fully optimised and promoted with ethical methods to help the site rise to the first page of the search engines. This is a good natural way to gain domain authority with the likes of Google.

Of course you are also at the mercy of those search engines and the way they decide they will assess how important your site is in relation to its content for their searchers. But by building and promoting smart, we are able to give you the stability through any changes that may come.

So as you can see, healthcare web design incorporates a lot of both simple and complicated elements. These involve proper presentation, content and interaction, along with providing the best platform and strategy to promote, segregate and protect your company.

It is essential to ensure that you have someone on board with vast experience and innovative solutions to guide you through this process. This will also mean you avoid the pitfalls of healthcare web design and the regulating codes and laws.

The Roles And Responsibilities Of Medical Assistants In Health Care

October 12, 2013 Posted by kyu7

Curious about what Medical Assisting is? Admirably, medical assisting is one of the fastest growing careers these days. Statistics show that this job is estimated to rise for the next ten years due to the innovation of medical equipment and the increase number of population around the world.

If you wish to become a medical assistant, you don’t need a master’s degree. All you need is your high school diploma or a GED equivalent. Aspiring medical assistants must simply undergo programs which will only take six months to two years to complete.

The course for medical assisting includes the fundamental medical vocabulary, anatomy and physiology and supplementary administrative training like recordkeeping, bookkeeping, transcription, and so on and so forth.

Program courses are exclusively intended to give them a broad perspective in medical field to help them perform their errand productively and fruitfully. This is because medical assistants’ nature of work is to perform or to keep medical establishments organized and to keep it running smoothly. Also, since medical assistants are closely working with patients and with other medical staff like doctors and nurses, their program courses also include patient relations, ethics and medical laws and principles.

Although, some of the roles of medical assistants are identical a doctor assistant or a nurse, they are very different. Medical assistants carry out clerical and clinical tasks while nurses are more on treatments and patient management.

In the main a medical assistant handles administrative duties and or clinical duties.

1. Administrative Duties and Responsibilities

– Answering telephone calls
– Assist patients and families
– Appointment planning
– Fiscal recording and billing
– Bookkeeping
– Handling correspondence
– Filing and updating patient’s medical records
– Managing insurance forms
– Arranging hospital admissions
– Assisting in laboratory services

2. Clinical Duties and Responsibilities
– Taking patient’s health history
– Recording patient’s vital signs
– Preparing patients for medical examinations
– Assisting doctors during health examinations
– Explaining to patients the procedures that are to be done to them
– Collects and prepares the laboratory specimens
– Buying medical materials and equipments
– Disposing of infected medical materials
– Preparing medical instruments
– Making sure that hospital quarters such as waiting rooms and examination rooms are clean and tidy

In some hospitals medical assistants are allowed, under the custody of doctors to carry out basic medical tasks such as:
– Basic laboratory tests
– Prepare medications and administer medications too
– Instructing patients in taking medications and some diets
– Drug refills
– Draw blood
– Changing of dressings
– Removing sutures

Since medical assistants have a large scope of tasks, they should at all times stay focused and systematic. They must possess pleasing personality and must be good communicators for they must make the patients feel comfortable and easy before and or during examination. Also, medical assistants must be dainty and well groomed for they should look presentable when dealing with patients.

Duties and tasks of medical assistants vary depending in the hospitals they work. In small hospitals or clinics they are to perform both administrative and clinical duties while in large hospitals where there are other medical staff, medical assistants are encouraged to performed specific tasks under the direction of the department administrators.

Regardless where medical assistants work, they are very useful in helping healthcare workers to perform their jobs more effectively and efficiently. As a consequence, the growing needs of people’s medical attention are met through them.

The Role Of Electronic Medical Records In Health Reform

October 9, 2013 Posted by kyu7

How Electronic Records Help Health Reform
Integration of electronic record keeping can help reduce overall health care expenses by limiting administrative costs, ensuring that duplicate procedures are avoided and checking for allergies and other medical sensitivities across a database. Optimally, the system aims to help medical professionals make better decisions based upon lab results, X-Rays, medical history records and a variety of hospital archives. While there is an up-front cost to integrating the systems, most modern hospitals are actively working to streamline their record keeping and open access to fellow medical facilities.

Currently, less than 25% of practicing doctors utilize electronic records for their patients, while emergency room rates are slightly higher. Under terms of the American Recovery and Reinvestment Act, Congress allocated funds for doctors who integrate certified electronic record keeping systems . As standards become solidified, a growing number of medical practices are shifting to electronic records.

Privacy and Security in Reform
Many patients’ rights advocates have expressed concern over a central health records database, but medical companies are actively working to comply with HIPAA (Health Insurance Portability and Accountability Act) so that records are securely stored and can only be accessed by practicing doctors. Incorporating privacy into insurance records is a core part of the process, and recent health reform efforts have helped streamline secure patient record standards.

Relying upon electronic documentation, it is much easier for doctors to show exactly why they performed a specific procedure. With this evidence, medical professionals are able to show that adverse medical outcomes were not caused by error, potentially limiting their tort liabilities. Although the legal aspects of health reform remain under debate, many medical professionals are working to limit medical transcription and record keeping errors to provide safer, more reliable medical care. A combination of improved record keeping, medical delivery and quality care can result in improvements in overall health outcomes.

Cobra Healthcare Coverage Vs Individual And/or Family Medical Assurance

October 4, 2013 Posted by kyu7

While C.O.B.R.A. Insurance might be a lifesaver for some individuals, individuals often take the C.O.B.R.A. option when they shouldn’t. If compared to private medical care assurance, COBRA can be pricey, it can be over too early and it can put someone else in control of your policy.

COBRA is often too pricey

COBRA is s short-term solution

C.O.B.R.A. is under someone else’s control

C.O.B.R.A. is often too costly

The COBRA law gives you the right to be covered by a group insurance policy. One of the biggest misconceptions individuals have about healthcare Insurance is that group insurance policies are less expensive than individual and/or family health care insurance policies that you can purchase on your own. While this is sometimes true, it isn’t usually. In many states, health care coverage costs more when bought through an employer.

This is because of the cost of governmental mandates that apply to group health care insurance policies that don’t apply to private medical care insurance policies. A company offering a group assurance policy may have to offer a policy to anyone regardless of their medicalcare history. coverage companies cannot drop an insured person from their family and/or individual health Insurance plan simply because their health has gotten worse after their policy’s effective date, but they won’t take new people with pre-existing conditions. This can mean that the insurance company’s costs are much higher for their group coverage policies than for their family or individual healthcare assurance policies.

You may be offered the group insurance plan that you had before your employment concluded or if your company has made changes in the policies they offer to their current employees, it may be a different healthcare policy.

C.O.B.R.A. is s short-term solution

In most scenarios, COBRA may be kept for a maximum of 18 months, although in certain scenarios, this time period can be extended to 36 months. This may mean that your coverage may end when you need it the most. A good family and/or individual health assurance policy may cover you until you reach the age of 65.

You may be healthy enough to qualify for a long-term health Insurance plan at the time when your job ends but not 18 months later. If you or someone in your family contract an illness or have trauma that prevents you from buying a policy at the end of your COBRA eligibility

COBRA is under someone else’s control

When you mail in your COBRA payments, you send them to your former company. Although this happens rarely, sometimes companies will take your money and never pay the insurance company.

If your company changes the plans that are offered to their current employees, they may also change the plans available to those eligible for health care Insurance because they have taken the COBRA option. This may mean that your policy may not cover you as well as it used to. You might suddenly be in the position of having an expensive plan that no longer covers you well.

Scenarios where C.O.B.R.A. is better than individual medicalcare insurance:

When C.O.B.R.A. is much less pricey than a private assurance policy

A family or individual medical care coverage plan isn’t available to you

You’re assured a medical assurance plan before your COBRA eligibility ends.

There are situations where COBRA is a better option than a family and/or individual medical care coverage plan. If you are not able to purchase a healthcare policy on your own at a reasonable rate and you find that your COBRA option isn’t too pricey C.O.B.R.A. may be your best options. This of course is also true if you cannotpurchase a C.O.B.R.A. plan because of a preexisting medical condition. Another situation when COBRA can be a good option is when you will be eligible for Medicare or some other medicalcare policy before your C.O.B.R.A. eligibility will end.