Each state regulates its own health insurance, so you cannot buy health insurance in a different state than the one in which you reside. This means your policy will probably not give you coverage for an out-of-state hospital. Insurance companies are very particular about this, so make sure that you understand your policy.
Also check to see if the doctors and hospitals you are comfortable visiting accept coverage from the insurance company you are considering. This information should be readily available to you from the health insurance company.
Certain health insurance companies will charge higher premiums or turn down any coverage for women who have ever had a C-section. The reason is because this process is extremely expensive. Because the insurance company knows they may have to pay that cost again, they?ll raise rates or refuse to provide coverage.
Be sure you know what treatments are covered by your health insurance, and be aware of how much your co-payments and deductibles will cost. As you begin, be certain to have your paperwork close at hand, be ready to honestly assess your health care priorities, and make sure to review multiple carriers prior to choosing the company best able to provide the services you need.
Check out healthcare savings accounts, and decide if they might be a good option for your personal situation. In this type of plan, money is deducted from your pre-taxed income to pay for medical expenses. Prescriptions and medical costs can be paid with these funds; however, these accounts do have disadvantages, so be sure to learn the details before you open an account.
If you are thinking of using an HMO, be certain your doctor is a member of the network. Don?t force yourself to switch doctors; check first to see if yours is on the network you?re considering.
Save money by never paying your health insurance premiums with your credit card. Many companies charge fees for using a credit card, and these fees can add up to a lot of money over time.
Health insurance can help you pay less on your taxes. Although many people aren?t aware of the fact, health insurance premiums are tax deductible. Any money you spend to cover your deductible, your prescriptions, or any visits that your insurance doesn?t cover can also be deducted from your taxable income. Get the advice of your tax accountant if you are unsure about which expenses are deductible.
To get more from your plan, understand its ins and outs well. This means knowing a variety of things, including which doctors are in your network, as well as what your insurer covers fully, partially and not at all.
Taking the time to read the handbook that goes with your insurance policy will prepare you for future needs that may arise. The booklet that your insurer sends will cover the ins and outs of your health insurance policy, and reading through the entire book is the best way to get an accurate picture of your coverage. This might seem boring or overwhelming, but you never know when you?ll need to take advantage of particular benefits.
Learn all the health insurance laws, requirements, and regulations in your state before you purchase health insurance. An example of this is the wording regarding preexisting medical conditions. Is there any current legislation that already provides you with protection for this scenario? If you know the rules, you can find out what to do if your insurance company will not give you coverage.
While healthcare and health insurance are often both expensive, they are expenses that are necessary, and ones you cannot allow yourself to dismiss. If you try to go without any health insurance and then get sick or hurt, you could be in a more difficult situation than you ever thought possible. Be insured prior to this happening.
Make it a point to find out which prescriptions are covered by your health insurance. This list will be different every year or so, so make sure you check it when you enroll again to avoid a surprise at the pharmacy when filling your medication.
If the health insurance you are considering covers the entire family, check to see if any discounts are available. Several companies offer premium discounts if you buy for your entire family. Make an inquiry regarding this possibility before you sign up for any insurance policy.
You may be able to barter with the doctor if you provide a service that is valuable to the physician. The chiropractor benefited from my expertise and my daughter benefited from his.
When considering a health care insurance plan from your employer, take into account your own personal health and the health of your family. This could help you get a cheaper premium on your insurance if you don?t have anticipated health problems. While this is the least-cost method right away, skimping too much on insurance coverage could put you at financial risk if sudden health problems come up.
The most beneficial kind of insurance policy you can buy to improve your quality of life is health insurance. It is easy to be frustrated and overwhelmed from all the plans and coverage options available. Use the advice in this guide to learn how you can pick the right insurance for you.
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Father Martin McVeigh was giving a talk to 26 parents and one 8-year-old kid when computer disaster struck: he connected his USB drive into a PC to start his Powerpoint presentation. But instead of the word of God, a hardcore gay porn slideshow started, thanks to Windows' autoplay. More »
TGen presents triple-negative breast cancer study supported by Life TechnologiesPublic release date: 2-Apr-2012 [ | E-mail | Share ]
Contact: Steve Yozwiak syozwiak@tgen.org 602-343-8704 The Translational Genomics Research Institute
Dr. John Carpten co-chairs panel discussion at AACR Annual Meeting 2012
CHICAGO -- Because cases of Triple-Negative Breast Cancer (TNBC) are so genetically different, whole-genome sequencing is needed to detect the subtle molecular differences that might point to specific treatments for individual patients.
Dr. John Carpten, Ph.D., head of the Integrated Cancer Genomics Division at the Translational Genomics Research Institute (TGen), will deliver that message along with other preliminary findings about whole-genome sequencing of TNBC at the American Association for Cancer Research (AACR) Annual Meeting 2012, March 31-April 4, in Chicago.
"Every TNBC tumor we interrogate is genomically unique," said Dr. Carpten, who is part of an unprecedented and ongoing clinical trial involving the whole-genome sequencing of 14 TNBC tumors. Whole-Genome Sequencing, spells out all of the nearly 3 billion DNA molecules found in human cells, allowing unprecedented scrutiny of patients' genetic codes.
Dr. Carpten will co-chair an AACR panel, Concepts and Challenges in Bringing Next-Generation Sequencing to the Clinic. Dr. Stephen B. Gruber, M.D., Ph.D., M.P.H., and the H. Marvin Pollard Professor of Internal Medicine at the University of Michigan will co-chair. Other panelists include Giselle L. Sholler of the Van Andel Research Institute and Victor E. Velculescu of the Johns Hopkins Kimmel Comprehensive Cancer Center. The panel is set for 10:30 a.m. EDT April 2 at Chicago's McCormick Place convention center.
TNBC is unlike the nearly 80-90 percent of other breast cancers, which are driven by the hormones estrogen (1), progesterone (2), or too many receptors of the HER2 gene (3). Testing negative for all three means the cancer is "triple-negative."
Estrogen- and progesterone-driven breast cancers can be treated with hormonal therapy, while the drug Herceptin (trastuzumab) targets HER2 receptors.
But there have been no sure-shot treatments developed for TNBC, mainly because these cancers display a startling lack of uniformity, or heterogeneity, in their molecular make up.
"Whole-genome sequencing is enabling us to zero in on the specific challenges presented with each individual TNBC tumor, advancing a 'personalized medicine' approach that helps guide the treatment of each patient," said Dr. Carpten.
Based on mutations uncovered by sequencing, physicians recommend that their patients enter treatment protocols for either existing drugs or for new agents being evaluated in pharma-sponsored clinical trials.
Investigators are sequencing germline and tumor DNA to identify genomic alterations including point mutations, insertions/deletions and structural events such as translocations. RNA sequencing also is performed on the tumors, along with tissue from age- and ethnicity-matched normal breast controls, to obtain insights on gene expression differences.
This clinical study is being conducted in collaboration with US Oncology Research, with support from Life Technologies Corporation.
"This is among the largest studies of a single tumor type in which whole genome sequencing is being used to identify potential options for targeted treatment," said Ronnie Andrews, president of medical sciences at Life Technologies Corporation. "We are very pleased to help support this study, which is providing key insights into how sequencing can best be used in the clinic."
The theme of the 2012 AACR meeting is "Accelerating Science: Concept to Clinic," reflecting the strides and breakthroughs being made by cancer researchers and the impact they are making on global health. The conference will emphasize the synergy between basic, clinical and translational research that lead to effective cancer therapies and prevention strategies.
###
About Life Technologies (www.lifetechnologies.com)
Life Technologies Corporation (NASDAQ: LIFE) is a global biotechnology tools company dedicated to improving the human condition. Our systems, consumables and services enable researchers to accelerate scientific exploration, driving to discoveries and developments that make life even better. Life Technologies customers do their work across the biological spectrum, working to advance personalized medicine, regenerative science, molecular diagnostics, agricultural and environmental research, and 21st century forensics. Life Technologies had sales of $3.3 billion in 2009, employs approximately 9,000 people, has a presence in approximately 160 countries, and possesses a rapidly growing intellectual property estate of approximately 3,900 patents and exclusive licenses. Life Technologies was created by the combination of Invitrogen Corporation and Applied Biosystems Inc., and manufactures both in-vitro diagnostic products and research use only-labeled products. For more information on how we are making a difference, please visit our website: http://www.lifetechnologies.com.
*
About TGen
The Translational Genomics Research Institute (TGen) is a Phoenix, Arizona-based non-profit organization dedicated to conducting groundbreaking research with life changing results. Research at TGen is focused on helping patients with diseases such as cancer, neurological disorders and diabetes. TGen is on the cutting edge of translational research where investigators are able to unravel the genetic components of common and complex diseases. Working with collaborators in the scientific and medical communities, TGen believes it can make a substantial contribution to the efficiency and effectiveness of the translational process. For more information, visit: www.tgen.org.
Press Contact:
Steve Yozwiak
602-343-8704
syozwiak@tgen.org
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
TGen presents triple-negative breast cancer study supported by Life TechnologiesPublic release date: 2-Apr-2012 [ | E-mail | Share ]
Contact: Steve Yozwiak syozwiak@tgen.org 602-343-8704 The Translational Genomics Research Institute
Dr. John Carpten co-chairs panel discussion at AACR Annual Meeting 2012
CHICAGO -- Because cases of Triple-Negative Breast Cancer (TNBC) are so genetically different, whole-genome sequencing is needed to detect the subtle molecular differences that might point to specific treatments for individual patients.
Dr. John Carpten, Ph.D., head of the Integrated Cancer Genomics Division at the Translational Genomics Research Institute (TGen), will deliver that message along with other preliminary findings about whole-genome sequencing of TNBC at the American Association for Cancer Research (AACR) Annual Meeting 2012, March 31-April 4, in Chicago.
"Every TNBC tumor we interrogate is genomically unique," said Dr. Carpten, who is part of an unprecedented and ongoing clinical trial involving the whole-genome sequencing of 14 TNBC tumors. Whole-Genome Sequencing, spells out all of the nearly 3 billion DNA molecules found in human cells, allowing unprecedented scrutiny of patients' genetic codes.
Dr. Carpten will co-chair an AACR panel, Concepts and Challenges in Bringing Next-Generation Sequencing to the Clinic. Dr. Stephen B. Gruber, M.D., Ph.D., M.P.H., and the H. Marvin Pollard Professor of Internal Medicine at the University of Michigan will co-chair. Other panelists include Giselle L. Sholler of the Van Andel Research Institute and Victor E. Velculescu of the Johns Hopkins Kimmel Comprehensive Cancer Center. The panel is set for 10:30 a.m. EDT April 2 at Chicago's McCormick Place convention center.
TNBC is unlike the nearly 80-90 percent of other breast cancers, which are driven by the hormones estrogen (1), progesterone (2), or too many receptors of the HER2 gene (3). Testing negative for all three means the cancer is "triple-negative."
Estrogen- and progesterone-driven breast cancers can be treated with hormonal therapy, while the drug Herceptin (trastuzumab) targets HER2 receptors.
But there have been no sure-shot treatments developed for TNBC, mainly because these cancers display a startling lack of uniformity, or heterogeneity, in their molecular make up.
"Whole-genome sequencing is enabling us to zero in on the specific challenges presented with each individual TNBC tumor, advancing a 'personalized medicine' approach that helps guide the treatment of each patient," said Dr. Carpten.
Based on mutations uncovered by sequencing, physicians recommend that their patients enter treatment protocols for either existing drugs or for new agents being evaluated in pharma-sponsored clinical trials.
Investigators are sequencing germline and tumor DNA to identify genomic alterations including point mutations, insertions/deletions and structural events such as translocations. RNA sequencing also is performed on the tumors, along with tissue from age- and ethnicity-matched normal breast controls, to obtain insights on gene expression differences.
This clinical study is being conducted in collaboration with US Oncology Research, with support from Life Technologies Corporation.
"This is among the largest studies of a single tumor type in which whole genome sequencing is being used to identify potential options for targeted treatment," said Ronnie Andrews, president of medical sciences at Life Technologies Corporation. "We are very pleased to help support this study, which is providing key insights into how sequencing can best be used in the clinic."
The theme of the 2012 AACR meeting is "Accelerating Science: Concept to Clinic," reflecting the strides and breakthroughs being made by cancer researchers and the impact they are making on global health. The conference will emphasize the synergy between basic, clinical and translational research that lead to effective cancer therapies and prevention strategies.
###
About Life Technologies (www.lifetechnologies.com)
Life Technologies Corporation (NASDAQ: LIFE) is a global biotechnology tools company dedicated to improving the human condition. Our systems, consumables and services enable researchers to accelerate scientific exploration, driving to discoveries and developments that make life even better. Life Technologies customers do their work across the biological spectrum, working to advance personalized medicine, regenerative science, molecular diagnostics, agricultural and environmental research, and 21st century forensics. Life Technologies had sales of $3.3 billion in 2009, employs approximately 9,000 people, has a presence in approximately 160 countries, and possesses a rapidly growing intellectual property estate of approximately 3,900 patents and exclusive licenses. Life Technologies was created by the combination of Invitrogen Corporation and Applied Biosystems Inc., and manufactures both in-vitro diagnostic products and research use only-labeled products. For more information on how we are making a difference, please visit our website: http://www.lifetechnologies.com.
*
About TGen
The Translational Genomics Research Institute (TGen) is a Phoenix, Arizona-based non-profit organization dedicated to conducting groundbreaking research with life changing results. Research at TGen is focused on helping patients with diseases such as cancer, neurological disorders and diabetes. TGen is on the cutting edge of translational research where investigators are able to unravel the genetic components of common and complex diseases. Working with collaborators in the scientific and medical communities, TGen believes it can make a substantial contribution to the efficiency and effectiveness of the translational process. For more information, visit: www.tgen.org.
Press Contact:
Steve Yozwiak
602-343-8704
syozwiak@tgen.org
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
When you?re preparing to find a local accountancy firm to help you prepare your taxes or perhaps you are thinking ahead to the next taxation season, continue reading for some suggestions coming from a Melbourne tax return specialist.
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If you?ve started a small business, networking might not be on your mind yet, or it could be something you have feelings of reluctance and uncertainty about. It is important to turn your mind to it, however, as networking is a way of increasing your knowledge, opportunities, and personal growth.
1- Realize the value of networking to a small business. A small business is a small fish in a very big sea. Networking helps you to become a part of the bigger sea, by getting your business out there and known by more than a few. And without a doubt, networking always increases the job opportunities for your small business, from meeting new contacts, catching up with old contacts, finding out new ideas, gaining a mentor, and getting support.
2 ? Consider using real life networking and online networking opportunities. Use both if possible as this increases your coverage; with online networking, you don?t have to travel but you can reach out worldwide. Real life networking adds the personal touch.
3 ? Be prepared. One of the main reasons that people shy away from networking is because they convince themselves that they don?t know what to say or do. Yet, networking differs from dinner parties. You don?t get stuck with the same person all evening; you move around rapidly and you have pointed conversations when you do connect. There just isn?t time to take one person to the corner and hog them all night, and if you try, you?ll seen get your shoulder tapped! Preparation should consist of the following basics:
Have a business card printed up ? name, address, contact details, pithy summary of your business, and any other short, relevant info. More importantly, always have enough of these on you to hand out. Don?t forget them!Prepare a spiel. Just a few sentences that best summarize your business in a positive light. Don?t use this as an opportunity to sell; all you need at this stage is connection and curiosity raising.Know why you?re networking. Do you want to get more business, more support, more mentors, more ideas? This will help to slant your approach rather than standing around wondering what the point is!
4 ? Be selective. While networking is important for a small business, your time is precious. Target the events that seem to you the best able to meet your business? interests. Schedule these events into your diary and prepare anyone else from your business who will be attending with you by outlining the above preparation advice to them. There is no point running yourself ragged trying to attend every networking opportunity available; do your research to see what counts most.
5 ? Be interested in people for who they are, not the opportunities they may or may not represent. Everyone responds better to being treated as someone who matters. When you talk, show your interest in their small talk, their personal stories. Be careful not to make statements that might offend their personal beliefs or faith. Keep it above board, friendly, and person-oriented. The business will come later when the connection and trust have formed.
6 ? Follow up promising contacts. Don?t wait for them to chase you; chase them instead. Do this within the 48 hours following the event. A cheery email, a quick phone call, or even a handwritten letter on your letterhead are ideal methods for follow up.
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Public release date: 2-Apr-2012
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