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Finance > Insurance > Life InsuranceFinancing a Bariatric Surgery
Posted by nick_niesen in Finance on October 26th Ronnie Stanley Jersey , 2010


Bariatric surgery for weight loss may be a life-saving procedure, but it is not cheap. Although a number of insurance companies cover the procedure, many individuals find that their medical insurance providers balk at the cost. Most insurance companies require a letter outlining a patient聮s weigh-loss history and the medical necessity for the surgery before they will even consider financing the procedure. Even with a carefully crafted letter, many insurance companies will refuse to authorize the surgery.


If this happens, the patient should not give up hope, since most insurance providers give patients an opportunity to appeal a denial. Most insurance companies require that patients appeal within 30-60 days after receiving a denial of coverage. The bariatric surgery insurance Appeal Letter should include information disputing the insurance provider聮s reason for denial. As a last result, patients may need an attorney to help prove the medical necessity of the procedure.


For patients with no insurance, there are financial alternatives available. A number of financial institutions offer financing specifically for healthcare expenses such as co-payments, deductibles, and procedures not covered by insurance, including bariatric surgery. Some offer no-interest, same-as-cash plans as well as extended payment plans. Some bariatric surgery centers contract with finance companies to offer financial assistance to patients who are interested in this type of surgery but do not have the insurance to pay for it.


Finally, a patient can take out a home equity loan to finance the procedure. Those patients who do elected to pay for bariatric surgery themselves should keep in mind that it may be tax deductible, since it is considered a major medical expense. A consultation with an accountant may e in order.

Recreation > Food > Health FoodBenefits of health supplements

Posted by vitaminnz1 in Recreation on March 1st, 2017


Before going any further let us concentrate to know what exactly these food supplements are. In one single sentence they can be termed as those food products that have nutrients in the fullest extent and consumed to gain physiological benefits. The dosage varies from person to person based on their requirements and needs. They are available in pills, tablets, tonics, and also available in the powder form. Whichever is convenient for the people they can buy that one. Even though food supplements are basically developed to fulfill the deficiencies found in human beings due to malnutrition or dietary habits, now they have become integral part and daily routine for the people involved in sports and other heavy manual work.


Government health departments are aware of counterfeit supplements spread out in the market due to heavy demand for such products. Therefore they have stringent rules and manufacturers should adhere to these rules and regulation in their manufacturing process. This is made to ensure that these supplements are safe and good in quality. Though for women taking extra nutrients is not new, for men it is new rage. They use these products for their muscle strength, stamina, immunization power, flexibility and above all they want to safeguard their manliness.


How many of you know what you are consuming as nutritional supplements are safe?


To ensure the quality various agencies are thriving day in and day out. European Union now has new rules and regulations in place to make sure the safety of these products. Among these rules they have made it mandatory to provide proper labeling, mentioning the details of the labels with respect to the ingredients the product is having, and extra precautions one should ascertain before consuming these products. Stringent labeling rules made it possible for consumers to find out ingredients information. What else these labels contain?

There should be clear information about the type of ingredients as I already mentioned.It should have clear information about the dosage or volume of weight that should be consumed by the end user. The amount of nutritional content in each pill should be clearly mentioned as it is necessary for RDA. That is recommended daily allowance. Every type of supplement should contain a statement similar to that of cigarette smoking warning, that the product is not a replacement for the healthy dietary balanced food.

Apart from that manufacturers need to exhibit the certification number or registration number they obtain from the concerned authorities like FDA or European Union so that the products are manufactured as per the Good Manufacturing Practices stipulated by the authorities or by the organization like HACCP, (Hazard analysis and critical control point). Supplements online NZ has showcased number of such quality products so that interested people can buy from them.


Finally whosoever wish to consume they should and must take advice from their family physicians to know exactly what should be dosage or to know appropriateness of the supplements they wish to take. This is very important as some of these may not at all required for ordinary individuals and it may produce unwanted side effects as well.


About the Author:


The writer is an expert in the field of Vitamin NZ with focus on Best Coq10 Supplement.

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