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Monday, September 29, 2008

What can I do if I have hit my Prescription (Rx) limit for the year?

There are many people who are on Medicare or who have insurance who will exhaust their Prescription coverage every year.

There may be a catastrophic protection limit on your policy but can you really afford the $3000 or more in additional out of pocket costs?

Depending on your circumstances Discount Health Programs may be able to provide you with some financial relief.

You can receive immediate savings on your prescriptions! Some programs are accepted at thousands of independent pharmacies nationwide.

Sample program features include:
- Almost 50,000 retail pharmacy locations across the country*, including most national chain pharmacies, such as CVS, Wal-mart, Target and Walgreens
- Save up to 50% on most generic prescription drugs.*
- Save up to 25% on most brand-name prescription drugs.**
- Special savings on most high-volume and maintenance-type drugs.***
- Most prescription drugs are included both at the retail pharmacy and by mail order.
- Toll-free number to locate independent & chain-participating pharmacies.

* Discounts available only at participating pharmacies.
**You may not receive a savings on some high-volume or maintenance-type drugs since these medications may have already been reduced at the pharmacy level.
***Available through mail order program.

If you spend more than $90 per month on your Prescriptions you might want to look into a Prescription Advocacy Program as you may qualify for no cost prescriptions.

Friday, September 19, 2008

Is my child ready for a booster seat?

We have a son who just turned 5. As he is in Kindergarten and one of the younger kids in the grade, I thought he might feel a little better if he got to move out of his toddler car seat.

He probably has another 6 months or more before he is too tall for his Britax Boulevard.

My husband who I like to refer to as the worrier, started grilling me about what kind of seat are we going to put him in, will it have Side Impact Protection (SIP) like his current seat and what about a 5 point harness.

Now in all fairness I knew he had a point, but our son is having some self-esteem issues and saying goodbye to the toddler car seat could possibly help.
I was not real comfortable with the boosters, even the ones with the backs, until I found a couple that also offer a 5 point harness. I have been on the fence about what to do for about a week or so.

I just found a seat I think I like and as I was looking for local retailers I came across this the You Tube video. To all parents who are unsure about moving your child to a booster or who already have and wonder if it is save, PLEASE watch this video. Your child will thank you.

Monday, September 15, 2008

What can we do to protect our children?

If you missed it today Oprah had a show about online predators. Even if your child is young you need to know that your child could be in danger. Even though most people tell their kids about Stranger danger a lot of people don't realize that 4 out 5 abusers are known to the child and their family.

A lot of these predators are selling photos or images of the children they abuse online. There are also the predators who use the internet to create relationships with our children and lure them away.

There is a bill in the senate at the moment that would allow more funding to be allocated to help Protect Our Children. - Senate Bill 1738

The Senate is going to recess later in September so we all need to take action now.

Visit Oprah's website at this link. http://www.oprah.com/article/oprahshow/20080911_tows_predators

You can find out more details on the Bill, find the names of your senators and their email addresses. There are also sample emails that you can send to your Senators.

Please send the emails. This is not about your political preferences this is about protecting our children. Let's all take action Now. http://www.oprah.com/article/oprahshow/20080911_tows_predators

Sunday, September 14, 2008

Are those email job offers a scam?

If you are getting emails lately from the United Kingdom, Europe or any other country offering a part-time job then please don't send your details.

This is similar to the Nigerian money scam, and they have just started using either people in the UK or people who look like they are there.

The scam is that they put money in your account and you wire about 90% of it on to another account. The problem is, the money they sent you really hasn't cleared and when the bank works it out your account will be overdrawn and you will need to come up with the money that you have already spent, by putting it into the other account.

You are on the hook to pay the bank back. Even though the bank showed that the deposit had cleared it hasn't really. It can take them up to 2 weeks to realize that the funds are not available. By that time you will have already sent on the payment.

So you are actually out of money, rather than making any money.

As the transactions originated overseas they are difficult to track, so don't risk it.

Sunday, September 7, 2008

What can I do if I am Uninsured or Underinsured?

For almost 16 years, AmeriPlan® Corporation has been the leader in providing affordable, money-saving discount healthcare programs. Ameriplan's Dental Plus™, Basic Health™, Total Health™ and Total Health Plus™ programs have saved uninsured and underinsured Americans hundreds of millions of dollars on their Dental, Vision, Prescription Drug, Chiropractic Care and other health-related expenses.

Ameriplan's programs are not insurance; instead, AmeriPlan® provides healthcare services through networks of contracted providers. Ameriplan's healthcare providers offer their services at reduced rates to AmeriPlan® members because members pay for the services they require at the time they are provided.

AmeriPlan® members may also enjoy access to ancillary services such as lab work, a hospital advocacy program, plus legal, identity theft and auto club services.

Company Founders Dennis and Daniel Bloom chose a network marketing business model as the ideal way to market Ameriplan’s programs to the public. Currently, some 40,000 Independent Business Owners (IBOs) such as Rebecca Doll in Thousand Oaks, CA sign up thousands of new members per month, as well as other IBO’s interested in building a profitable home-based business. AmeriPlan® has more than 175 employees operating out of its headquarters facility at 5700 Democracy Drive, Plano, Texas 74024.

Dennis and Daniel Bloom comment, “We are so proud of our company, employees, independent sales force, members and healthcare providers. Our mission is to provide quality, affordable healthcare to the public in partnership between AmeriPlan® and our Independent Business Owners. Together, we can make a significant difference in the lives of millions of people in the coming years.”

For more information about benefits visit http://www.MyBenefitsPlus.com/rdoll

For more information about our opportunity to work at home, visit http://Rdoll.simpleasabc.com

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