Imagined Thoughts

By Don Fahtee

 Buy travel insurance online-Buying travel insurance online can save up to 20% of the cost as you do not have to pay to an agent. Your financial losses if you are forced to cancel the trip may be relatively low and the cost of medical care while you are away, or of getting you back home, may again not be too great. It does not include maternity benefits, or other benefit options. The custom quote, on the other hand, is a more detailed application that considers specific queries and preferences of customers. Illinois Health Insurance is affiliated with Florida Health Insurance Company. You can also purchase long-term overseas student health insurance if you plan to study in another country for more than one year. The country, or countries, in which you plan to study. The golden rule in all insurances is to read the fine print carefully. So, before you set off on your next trip sit down and think carefully about whether or not you need travel health insurance. Your financial losses if you are forced to cancel the trip may be relatively low and the cost of medical care while you are away, or of getting you back home, may again not be too great. Other aspects include co-insurance, co-payments, out-of-pocket expenses, exclusions, lifetime maximum, waiting period, coordination of benefits, grace period and so on. The golden rule in all insurances is to read the fine print carefully. To get free quotes and learn more about insurance please visit the following recommended sites. During travel, travelers face lot of risks like, trip cancellation, loss of baggage, loss of money or valuables, accidents, terrorist attacks, natural calamities and occasionally death. Illinois has special insurance polices such as Illinois Medicaid, KidCare, and Illinois Department of Aging - Pharmaceutical Assistance Program, for people who have been denied insurance by regular insurance companies. Plan 5 is also a PPO plan available only to federally eligible individuals who qualify for HIPAA-CHIP under Section 15. Your age, and the age of any other family member to be covered, such as the age of your spouse and the age(s) of your child(ren). The travel insurance company has to provide the cost of cancellation of ticket. Whichever you choose you should bear in mind that, while the independent insurance agents may be a little bit more expensive, you will not have to worry about your tour operator going out of business and failing to honor your travel insurance policy. Each plan has deductibles of $500, $1,000, $1,500, $2,500, and $5,000. There are public as well as private insurance policies, with different options to suits all kinds of people and their requirements. In case you do not buy an insurance you may end up paying a lot more and may even end up bankrupt. Some of the most popular Illinois health insurance companies are: UniCare, Anthem, Blue Cross /Blue Shield of Illinois, Humana One, Fortis Short-Term Medical, Celtic, American Medical Security and Fortis Student Select. The Illinois CHIP (Comprehensive Health Insurance Plan) is a state program for people who qualify for coverage under sections 7 or 15 of the CHIP Act. The instant quote is the fastest kind of application, that provides general information about the eligible plans and their benefits. In case you do not buy an insurance you may end up paying a lot more and may even end up bankrupt.

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How To Avoid Insect Stings
By John Myre

 Liz and seventeen-month-old Cade had a wonderful day at the zoo. When they returned to the car, Liz strapped the toddler into the child safety seat, which unfortunately also held some food crumbs.

As Liz drove away, Cade began screaming uncontrollably. Liz tried to calm him, but nothing would work, so she wisely headed directly to the doctor’s office.

It didn’t take the doctor long to discover the problem - Cade had been stung inside his diaper by a bee lured through the open windows of the car by the sweet smell of food.

After the stinger was removed, and a few more tears were shed, Cade was once again the bubbly, enthusiastic boy that everyone loved.

Stinging insects! We can’t live without them, so we’d better learn to live with them. Here are a few tips.

What To Wear, Where To Be

* When you might be exposed to stinging insects (mainly bees, yellow jackets, hornets and wasps), dress in long pants, a lightweight, long-sleeve shirt, and a hat.

* Do not wear bright-or dark-colored clothing, flowery prints, or shiny jewelry. Dull white, khaki, and solid light colors are best.

* Avoid floral-scented sprays, deodorants, cosmetics, shampoos, soaps, powders, and perfumes.

* Avoid places where stinging insects congregate, such as: gardens with blooming flowers, garbage areas, stagnant pools, seldom-used buildings, and junk piles.

* Keep your yard clean and mowed, and free of standing water.

* Don’t go barefoot in the grass.

* Don’t reach into a space you haven’t looked into.

* When cooking outdoors, cover food and beverages.

* Fill in potential nesting sites such as tree cavities and wall cracks.

* Seal food scraps in a plastic bag and put it in a tightly closed garbage can that is lined with a garbage bag.

* Insect repellents do not repel stinging insects, such as bees.

* When drinking sweetened beverages outdoors, use a cup or a plastic cover with a straw.

* If a stinging insect lights on you, brush it away. Do not slap it against your body. That will trap it and give it the chance to sting.

* If you stumble on a nest, don’t wave your arms and hands to swat the insects away. Instead, get up slowly and walk away calmly, taking any food or drink with you.

Bad Beesness

* When bees are nearby, avoid rapid movements that may look like attacks. Bees usually don’t sting unless disturbed or angered. Stinging is their defense.

* Bees will respond to vibrations and exhaust from mowers, trimmers, and chain saws. Check for bees before using this equipment.

* If you are attacked by bees:

-run away, and try to get inside a car, building, or heavy brush.

-if possible, wrap your head. Leave an opening for your eyes.

Allergic Reactions

Over 2 million Americans can have serious reactions to insect stings and bites. The National Safety Council reports that bee stings kill 50-100 people each year.

If you are stung:

* Remove the stinger immediately because venom can pump into the body for up to 10 minutes. Gently scrape the stinger with a fingernail, credit card, or edge of a sterilized knife. Pinching the stinger squeezes venom into the wound.

* Use ice packs and sting-kill ointment for swelling and pain.

* See your doctor at once if you have any of these symptoms: trouble breathing; wheezing; fainting or dizziness; hives or skin rash; nausea, abdominal pain, or cramps; rapid pulse; diarrhea; chills; facial swelling, or swelling beyond two joints.

* If you are stung in the mouth or throat, swelling of your airways can occur. Go to the nearest emergency room immediately, even if you are not allergic to insect stings.

* Anyone who has had serious reactions to insect stings should carry an insect-sting first-aid kit, and wear a medic alert bracelet. Consult your doctor for details.

John Myre is the author of the award-winning book, Live Safely in a Dangerous World, and the publisher of the Safety Times Reproducible Articles..

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