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Tsering Штраус 20.11.2009 17:39 цитировать
ОГРОМЕННОЕ - СПАСИБО!!!

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BBSYCsHHBZnDggJJuGelvZgr08.10.2015 22:06цитировать
If you have an individual <a href="http://dcpngpa.com">poilcy</a>, and have had it for less than 2 years, insurance companies will often hire companies to go thru all your records to find any little thing you might have forgotten to write down on your application form. Then they say you lied on your application, and drop you. They have a computer program that watches for expensive treatments, and if you come down with something expensive in that first 2 year period, the computer program flags your file, and off to one of these companies for analysis it goes. Otherwise, they should not be able to drop you. so far as raising your rates, I am not sure. That may vary by state, so call your state's insurance office and talk to someone there. States set their own rules for insurance, so nobody here on yahoo can help you with that. Depression would probably be treates like any other illness. Before you take a risk, are you in a state with mental health parity? Mental health may not be covered by your insurance anyhow. And also, know that for mild to moderate depression, antidepressants help no more than a placebo, research shows (go read the latest newsweek for more on this, or google that topic). For severe depression, antidepressants help only a modest amount, if at all hard to know, because antidepressants are not tested against an active placebo with side effects, so most everyone in these research studies figures out who is on the active drug and who isn't, after awhile. I'll also give you my depression tips, so maybe you can skip the doctor altogether, for all but the most serious depression:Depression tips (PRINT THEM OUT):If your depression is worse in winter, try to get more sun. You may have seasonal affective disorder (SAD) or your depression could be partly seasonal. Use a light box (10,000 Lux (light intensity) at about 20” about $300 online, don't get locally, they charge more, you don't need full spectrum, it needs a UV filter, the Sunray is a good brand). I have extra windows,, painted the walls peach yellow have a skylight. There's a link to a cheaper lightbox at psycheducation.org.Try meditation like progressive muscle relaxation or guided imagery. See The Anxiety Phobia Workbook by Edmund Bourne for examples. Free 15 minute guided imagery download at healthjourneys.com.Go out with friends, if you don't have any, join a club MAKE yourself go until you look forward to it. “Isolating” makes depression worse! Exercise 1/2 hour a day, anytime you feel depressed. Exercise is a great mood stabilizer reduces anxiety. LOTS OF RESEARCH SUPPORTS THIS.Insomnia?: Go to bed get up the same time each day, even weekends. Don't use your bedroom to watch TV, read or use the computer. Don't do stuff that revs you up before bed, like exercising using the computer. Light from computer screens TV wakes you up. Use that last hour to wind down-take a bath? Make the bedroom very dark, even cover up the alarm clock. Use a noise machine (makes wave sounds etc.) to cover up disturbing sounds. Avoid caffeine in afternoon evening. Try soundsleeping.com for free relaxing sounds downloads.Put colorful, happy things around the house. Do nice things for yourself. Make a list of things that make you happy, like: bread fresh from the oven, the scent of Jergen's cherry almond lotion, the crisp sound of a saltine cracker breaking, fresh sheets on the bed, standing in the boat flicking topwater lures onto the water, etc. Use all your senses read that list when you are breaking downWork on time management if you are overwhelmed. Cut back on other responsibilities so you can spend more restorative time with friends family. Ask for help if depression makes it hard to keep up with chores.Spend more time with your pet, if you have one. Both of you will appreciate the time.DON'T listen to sad music! It makes things worse! Listen to upbeat stuff- same with movies novels. DISTRACT yourself when you are hurting. Read a novel, watch a comedy, go out with friends, play cards, play a video game, whatever is mentally all-consuming. This is VERY helpful in a crisis!!Volunteer. Research shows that helping others makes you feel better about yourself. It also keeps you more involved in the community. Many people find comfort being involved in religion. Get help from your pastor. Some pastors from conservative faiths don't “believe” in mental illness tell you to go off your meds pray more – don't go to such a pastor for “help” if your faith is like this.Put a half-smile on your face. Changing your expression is proven to help change mood.For chronic severe depression, go to mentalhealthrecovery.com order a $10 WRAP (Wellness Recovery Action Plan) booklet – write up your own daily plan to maintain mental health a crisis checklist. Fill out a psychiatric advance directive to protect your rights inform professionals about your care. Links to your state's free PAD at bazelon.org. If suicidal (not just “suicidal ideation,” but I mean, you are impulsive or have a plan), find a community hospital with inpatient behavioral health (see yellow pages). Don't call 911 unless you have already hurt yourself, because if it is just psych symptoms, it is the police that comes they will take you to the closest place that could be a horrible state hospital.Cognitive Behavioral therapy is the most effective kind of counseling. Try free computerized CBT at moodgym.anu.edu.au. Computerized therapy appears to be almost as effective as counseling, research shows.Good luck. I learned this information from classes books.PS if you have an individual <a href="http://dcpngpa.com">poilcy</a> and have had it for less than 2 years (after that, your <a href="http://dcpngpa.com">poilcy</a> is incontestable) you better believe there is a risk that they will try hard to dump you if you need expensive treatment for anything. I'm sure some companies are much worse than others so google around try bad faith as one of your google search parameters. This kind of crap is why I am very upset health insurance reform is going down the tubes. I have no gripe if people actually committed fraud, but they dump people off cancer treatment if they forgot to report a migraine headache prescription once 9 years ago.
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JoV5X5vDYQfoflTyfmPQVuFbEZ08.10.2015 22:08цитировать
First off, I have been a claims<a href="http://wkenuxr.com"> adesutjr</a> for 20+ years. Using a credit report to help determine rates is pure BS. As another poster stated many people with good credit *** at driving. Their the ones who are wealthy and too busy to pay attention while driving. I have investigated 1000 s of accidents and there is absolutely no correlation between bad credit and bad driving. I agree there is a correlation between good credit and the insurance company getting paid on time. That is their main concern. Using the credit report crap to charge higher rates is just a bonus to the company.And folks let's be clear about the myth that insurance is required in all states. It is NOT!! It certainly should be but it is not.People who are not in the insurance game (like nan6872) assume that insurance is required in all states because that is a logical conclusion, except when dealing with insurance and vehicle laws there is not much logic applied. There are many states that do not require mandatory insurance but instead require financial responsibility . For example I handle a lot of claims in Wisconsin. There are tons of insured drivers there drinking their great beer and driving home. Insurance is not mandatory there, however if you have an at-fault accident while uninsured the Dept of Transportation will revoke your license and registration if you do not sign a contract to repair the damages you are responsible for.
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