Double Check Your Medical

By Ethan Kalvin

Having medical insurance is no guarantee you won't be over billed. Many are finding inaccuracies in the bills they receive from hospitals and caregivers. The problem is less uncommon than one would think. It could be sloppiness or it could mean the right hand isn't talking to the left hand. Hospital billing procedures often do leave a lot to be desired, since there are so many involved in the patient's care. But errors do occur, and it is a good idea to do a line by line review of your hospital bill.

Recently, as a young nurse was combed through the bills for her husband's recent hospital stay, she found that there were charges for a drug that should have been $80, but was charged incorrectly at $875. There was also an administrative error which caused her husband to be hospitalized an extra day, and she knew from her hospital experience that they didn't have to pay for additional unneeded care because of a medical mistake. She also discovered a charge for administering one medication 7 times a day, when the doctor's prescription was only 4 times per day. In all, she uncovered $7000 worth of over charges on her bills.

So when you receive a hospital bill, it is a good idea to sit down and review it very carefully. If you have questions, sit down with your doctor instead of the hospital billing department. The billing department is clerical by nature, and they don't always have an accurate history of the care that was actually provided. Make sure you ask questions.

There are other options to help you come to a satisfactory resolution. Most cities have patient advocacy groups available to offer you free advice. They can direct you on what steps you need to take to get things corrected. And your state insurance commissioner can advise you if you need help with your insurance company.

We have health insurance so that we know things will be taken care of when something happens to us or a loved one, but don't fall prey to all the codes and numbers and just pay the bill as it is written. It is not uncommon for a medical bill to have errors, and you could be paying for things that you are not responsible for. So do your homework, and take the time to go over your hospital bill line by line, and you will more than likely find that the erroneous charges can easily be corrected.

About the Author:

It may seem difficult to find health insurance, now a days, however there is a solutions. utilize www.individualhealthquotes.com and you can compare medical insurance from multiple companies at one time.

Jay's En-Lightening Experience

By Bobbi Landfried

I met Jay in June 1977 when he came to our home to meet my husband, a well known certified hypnotherapist. Jay was hoping to be able to study under him. As an astrologer, I asked him for his date, time and place of birth so I could do his chart. After about a minute I made a startling discovery and returned to tell him what I had found. I guess Jay found this a little strange but I said to him, Something special is going to happen to you soon. You will be guided there and this experience will change your life and someone you know will be there to observe.

Eventually, Jay met my husband and they worked together for some time. Jay had some blood pressure and stress issues so they did three hypnosis sessions together to sort the problem. Afterwards, they started to study together and Lee gave Jay perhaps seven to ten books per week to read; ever expanding Jays mind on cultures and beliefs, mind sciences and cult influences, and much more. He also recommended classes; the Loving Relationship Training by Sondra Lee and a series by Theta Courses on Metaphysics.

Jay began to attend a class called Spiritual Psychology taught by a husband and wife team from Missouri. They had been into natural healing, natural childbirth with doctors and absolutely unique concepts for a period in time.

Most of Jays friends thought he was crazy to be attending classes like that on weekends when he could have been water skiing, boating, enjoying life, playing with women at bars, or just getting drunk like some of his clients. But, Jay was content with studying Metaphysics and Healing.

It was at the second Theta Seminar that the special event occurred. It was August 1977 and Jay was in the classroom which was in a loft on 22nd Street in New York City. In the class, they had discussed the cycles of birth and death and their influence on the soul. They did some breathing, meditation and thinking about their own birth.

Jay remembered that his was traumatic, as his mother had gone into a coma and he was born two months premature. Then, he suddenly realized that he was meant to be born early; his weight was already 8 lbs. 15 ounces and his mother was very tiny at 411 to handle the Big Guy coming into the world.

He was able to forgive himself for wearing out his mother at birth with his size and weight. He forgave his mother for being unconcient at his birth and missing his first two weeks of life on Earth. What an experience it was for him. Feeling the forgive-ness made Jay feel lighter.

The next part of the class was the chanting and rocking session. Jay was still feeling that lightness as the group of six in his team began elevating and rocking him to music and chants. One at a time, the team was lifting each person up and then rocking the fully elevated person before slowly returning them down to the ground.

Back then Jay weighed 280 pounds and there they were, trying to get him up in the air. He felt as light as a feather, totally relaxed as he was rocked back and forth. During the session the window was open and suddenly a weird cool-damp breeze came through into the room, exactly where they were rocking Jay. A bolt of what appeared to be lightning hit Jay at the top of his head. The group pulled their hands away and he floated down to the ground.

Then Jay slowly opened his eyes and touched the top of his head. It felt warm. As he sat up, he was surprised to see me standing over him, looking at him. He remembered what I had said to him when we first met, And someone you know will be there to observe. Jay closed his eyes and his head was filled with ideas and formulas and concepts and the words just know that you know.

From that moment, he knew the past, present and the future. He foresaw floods, tornados, the economic crisis of 2007- on ... he was frightened, but understood. He knew about others just by looking at their faces, their eyes or from their handwriting. And there is so much more that he knew he would come know.

The question for Jay in all of this is, if there is so much that he knows, then how can he use it to help everyone throughout the rest of his life?

About the Author:

You can learn some of the secrets of life, from the man who wears a halo and awakens the comatose. Make sure to check out Dr. Jay Polmar's proven course: Thinkright. Just a few secrets of life

Ronky The Friendly Dinosaur

By LJ James

Ronky The Monster Of Lake Ronkonkoma New York



It was a Sunday in Summer of 2009 went I first saw Ronky with my own eyes. I had heard stories of Ronky here and there, They had come to me in Whispers really.The History of Ronky has been a well kept secret for Hundreds maybe Thousands of years. I had spent weeks watching this lake in Lake Ronkonkoma on Long Island in New York State. This day I was driving around going past one of the many Parks and Beaches around the lake. While I was going North on Lake Shore Road I saw something in the water out of the corner of my eye, but after weeks of watching this lake I thought it was just someone out on another blow up raft and didn't really think much of it !

As I was passing the Dinning Hall "Windows on the Lake" there is an opening where Guests can get a good look at the lake. I looked over and I saw what I had though to be a raft a few seconds before was the creature. I though to myself this could just be another hoax! After years of searches and hunts leading to nothing but dead ends I was not going to get my hopes up to fast. I slowed down and watched as the Creature swam around the lake enjoying itself! I was a little scared but at the same time I could not stop myself from smiling thinking this was really it!

I drove around the lake following along with "Ronky" at some point I pulled into a parking lot and walked onto one of the beaches. I slowly got my Camera out fearing as soon as I went to take the picture the creature would disappear. I snapped a shot, checked it in the review mode of the Camera and I could not believe I had captured a perfect shot of the Creature that no one could dispute the authenticity of ! When I looked back at the Lake Ronky was gone.

Over the next few days I carefully started asking the locals in the area if they had ever seen something weird in the Lake? It seems that to everyone in Lake Ronkonkoma Ronky is well known. He is not a myth or urban legend here. He is just another Member of the Village! I have been told there are two Differences between Nessie in Scotland's Loch ness and Ronky in New York's Lake Ronkonkoma. One Ronky is real and Two Ronky is protected by the Locals and his name is not defiled for tourist money.

There are many stories of Ronky that go back Hundreds of years. The one I found most interesting was a story that happened about 15 years ago. It seems there was an expedition sent to look into and map the depths and some underwater streams under Lake Ronkonkoma. This expedition never happened. The Official Story given was the expedition ran out of Money and was going to come back when they got more funds. I was told by an old time resident that wishes her Identity to remain a secret that the real story is a group called the "Keepers of the Lake" told the expiation in no uncertain terms it would be in their best interested for them to leave and not come back!!!

The people of Lake Ronkonkoma have kept this Monster Ronky loved and Protected for many years! I respect and sympathize with them,but I have spent my adult life and most of my families fortune searching for a creature like Ronky.This is my job and I must share this with the world. I have received many threats not to print this story! I have posted it here to go out to these newsgroups if I do not reset the settings at least once a week. If you are reading this there is a good chance something has happen to me. Please do not let what I have spent my life hunting for go unheard of ! Ronky is there in that Lake!

By Lawrence Jamison http://www.lakeronkonkomacivic.org

About the Author:

Larry J has been seeking out Lake Monsters for ever . Larry J love the fact that the people of Ronkonkoma have hidden Ronky rather then use him for Tourism

Natural Hair Loss Remedies For Minimizing Hair Loss

By John Farikani

People tend to look awkward if they have baldness or if they are facing loss of hair. This is the reason why people don't like to face the loss of hair problem in them. If you are one who is looking for a way to cure your loss of hair in a natural way then this article will help you as it deals with some of the Natural hair loss remedies for minimizing hair loss method.

If you have temporary hair loss then massaging can help you to grow the hair which will reduce the impact of hair loss that you had experienced. There are lots of devices that are available in the market for this purpose.

Aromatherapy can help you a little bit as all you need to do in this is to apply a mixture of almonds, lavender, bay oils, sesames, soybeans etc and you need to massage it intensely for a period of ten minutes and you will be able to notice that there is improvement in you after a few days.

Food which you eat is also play a crucial role in deciding your strength of hair. If you eat a lot of junk food then it is quiet natural that you are going to lose a lot of your hair. Try to eat foods which are healthy.

Most of the doctor when consulted for hair loss will encourage you to do exercise and the prime reason behind this is to enhance the blood flow and to supply oxygen to the follicles.

You need to know the method that you follow for reducing the hair is an authentic and reliable one otherwise it will only have adverse impact on you. Take advice or consult a doctor before you start any treatment procedure for treating hair loss.

About the Author:

Learn more about natural hair loss remedies. Stop by John Farikani's site where you can find out all about hair loss and what it can do for you.

What Has Research Shown About Magnesium And Hair Loss?

By John Farikani

Have you woken up recently and found that you have had to re-style your hair so that you can cover patches of thinning hair? You are not alone in this as I have been in your position also. This is why I would like to share with you a secret that has taken years off my appearance and meant that my confidence has returned. The secret is regarding magnesium and hair loss.

Over the past couple of years I have tried in vain many different kinds of tablets, ointments and shampoos to try and thicken my thinning hair. I have found a few that smell a lot nicer than those that would put a dustbin to shame but as for helping my hair they have done nothing. After the last one brought me out in a bad rash I decided that what I needed was an alternative that was natural.

At this point I thought I would give anything to have my hair back, I would give my right arm in order to get back what years had taken away, but found there was no need as this secret was given to me free of charge and this is what I intend to pass on to you.

My secret is Magnesium. Yes this one mineral, or rather lack of it could be way you are thin on top. Specialists in the caused of hair loss have found when looking into why some men and women suffer from thinning and/or baldness and one of the common factors is that they have a lower amount of magnesium in their diets than those who do not suffer.

It has been found that a lot of fast foods contained high levels of magnesium, but the problem with this is that they are also unhealthy on your heart and can cause many other problems, and I certainly did not want to be bald AND unhealthy. What I did find was that by taking supplements created for hair loss, that I could have the right amount of magnesium in my body without having to compromise my health. As the supplements were made entirely from natural products I did not have the worry of the side effects I had with other products and the ointment I applied to my head was not packed with perfumes and chemicals that would cause skin irritation.

What this will do is allow you the freedom to wear your hair in different styles, or throw away the hats you have worn to hide the tell tale signs.

You should be aware though that products that claim to cure total baldness are unlikely to work as many of the hair follicles will have already died off, but for those who have patches and are beginning to show signs of thinning, the products and supplements will allow you to see new growth within weeks and thicker stronger hair within a few months.

About the Author:

Learn more about magnesium and hair loss. Stop by John Farikani's site where you can find out all about hair loss and what it can do for you.

Stretch Marks On The Skin? Not A Problem Anymore

By Jen Hopkins

Stretch marks are basically lines that form on the skin as it loses its elasticity over time. These are formed when the skin has been over stretched causing damage to the elastin. Stretch marks usually appear as red or purple lines on the skin. These turn into such color because of the damaged collagen and elastin in the dermis.

Stretch marks may stay on the skin for a long time when not treated. While collagen may heal fast, elastin fibers may take time before it repairs totally. The good news is that there is still hope when it comes to eliminating these from the skin. With the proper treatment for stretch marks, these can be reduced.

Stretch marks are primarily treated with cocoa butter. The application of this cream has been recognized as one of the most helpful ways to remove stretch marks on the skin. The secret to the healing power of cocoa butter is that it can deeply penetrate the skin. It can effectively work to repair the damage beneath the skin layer. Elastin and collagen repair will hasten to reduce the appearance of the stretch marks on the skin.

Stretch marks creams are also effective ways to get rid of stretch marks on the skin. Like cooca butter, this is applied on the skin in order to reduce the stretch marks. Most stretch mark creams contain glycolic acid, retinol, alpha hydroxyl acids and tretinoin. These creams enhance the repair of the skin. When applied, skin regeneration becomes faster, replacing the damage primary layer of the skin.

One treatment that has been proven to remove stretch marks is microdermabrasion. This procedure uses emitted crystals that are used to remove the dead skin cells and the primary layer of the skin. Stretch marks as well as impurities found on the skin are removed. Once the layer of skin is removed, the growth of new skin is stimulated. This results to having smoother and younger-looking skin.

Laser treatment is a reliable way of removing stretch marks on the skin. When the laser is placed on the skin, it removes the primary layer of the skin together with the stretch mark. New skin is then formed on the treated area, making the stretch marks look lighter. Laser treatment may take a few sessions before the stretch marks disappear. This can really be an expensive treatment but those who can afford this treatment will surely benefit from this.

Stretch marks are actually treatable. It is very important to start treating stretch marks as early as possible. While these are still red, purple or brown, this is can still be treated easily. Once it turns white, reducing the stretch marks will be more difficult. These are some of the effective ways to reduce the appearance of the stretch marks on the skin. Flawless skin is not so hard to achieve when you know how to remove stretch marks on the skin.

About the Author:

Learn more about remove stretch marks. Visit Jen Hopkins's site, http://www.secretstogetridofstretchmarks.com/, where you can find out all about getting rid of stretch marks and what it can do for you.

What Is The Best Hair Loss Product? Natural Treatment To Hair Loss

By John Farikani

Hair loss is prevalent in both genders and mostly people don't recognize it till it reaches a stage where hair comes off as bunches forming patches on the head. It generally starts showing signs as a few hair strands on the brush or towel and slowly worsens to falling of bunches of hair strands while washing or brushing to forming of patches on the head. There are many reasons for this like lifestyle, pollution, stress, hormonal and genetic causes, imbalanced diet etc. Some of them can be treated and they are called the Pattern baldness. What is the best hair loss product?

Genetic and hormonal causes are the most prevalent and they are caused by the release of a chemical called DHT (Dihydrotestosterone) into the bloodstream. This chemical arrests the hair growth by blocking the hair follicles avoiding hair to continue beyond.

Apart from this, there are many minerals and vitamins that prevent hair thinning. Vitamin B6 is the most important and few other vitamins like niacin and folic acid help promote hair growth.

Minerals like Potassium and Zinc are specifically needed to promote hair growth. There are also herbs that help in this. Men are more aware of Saw Palmetto, herb associated to prostate gland. This helps both genders by preventing Testosterone from converting into DHT.

There are pills available in the market for this purpose and they can be taken as per physician's advice. Though most of these pills carry side effects including adverse sexual reactions, a new entrant in the market called Provillus claims to have no such side effects.

It can be administered both orally and applied on scalp superficially as well. The superficial treatment is to enhance hair growth while the oral administration helps in unlocking the hair follicles thereby promoting re-growth.

All the above ingredients are sure helpers to curb hair loss however they take longer duration compared to the immediate treatment options like surgery.

About the Author:

Looking to find the best deal on what is the best hair loss product, then visit www.baldness-prevention.com to find the best advice on hair loss for you.