Friday, December 25, 2009

California Insurance Continuing Education - Health Benefits

Wording regarding the PPO Providers (when applicable) are the same as with individual Major Medical plans. As a rule, Provider-type plans are established the same for Group and Individual plans.  Note the illustrated Schedule of Benefits on the first page shows a difference in approved and non-approved Providers in coinsurance percentages.  Since some groups are multi-state, there can be special consideration given if there are employees in an area not served by participating Providers.  Some plans allow a choice with higher co-payments or some other added cost if approved Providers are not used.  Again, because the size of the group determines the type of plan and the benefits provided, there are more alternatives to this and other similar provisions than could be outlined in a text of this size and type.


Hospital Care, Physician Care, Ambulatory Surgical Center Care, Accident Care, Accident Dental Care, Prescription Drugs, Complications of Pregnancy, Sterilization, Newborn Child and Well-Child Care, Organ Transplant, Mental-Nervous Disorder treatment, Alcohol-Drug Dependency treatment, Therapeutic Services, Mammogram, Skilled Nursing Care, Home Health Care, Ambulance Services, Prosthetic & Orthotic Devices & Durable Medical Equipment, are all comparable to the provisions and terminology of the individual Major Medical plans.  The only two sections of interest that are not defined under Major Medical provisions, are Maternity and Hospice Care.  (See below)

Maternity Health care services and supplies, including prenatal care, delivery and postnatal care, provided to an Insured other than the Certificateholder's child, by a Doctor of Medicine (M.D.), Doctor of Osteopathy (D.O.), Hospital, Birth Center, midwife or Certified Nurse Midwife may be Covered Services.
Maternity benefits are provided for a Certificateholder's Dependent daughter only when: 1) the  Certificateholder has employee/children or employee/family type coverage; 2) the Contractholder has purchased the optional Dependent daughter maternity benefits Rider from YOUR INSURANCE COMPANY; and 3) the Dependent daughter was covered under such Rider for at least 30 days prior to the date of conception of such Dependent's pregnancy, as determined by a Physician.

Complications of Pregnancy: Health care services and supplies provided to an Insured for the treatment of complications of pregnancy may be Covered Services.  Coverage for complications of pregnancy is limited to Covered Services to treat the Condition covered by the complication, and does not include maternity coverage.
Additionally, coverage for complications of pregnancy is subject to any Pre-existing Condition limitations.

For purposes of this Section, the phrase complications of pregnancy" means a Condition which is diagnosed as a separate Condition from the pregnancy.

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Thursday, December 17, 2009

Extend Your Capabilities With Continuing Education

Today, many people consider Continuing Education a means to career advancement. In fact, in the late 1990s, researchers argued that continuing education was becoming less of an option and more of a necessity. Hence, one of the greatest benefits that employees may derive from continuing education is to simply keep up with their evolving areas of expertise. Additional education can also help employees to receive promotions and land better jobs. That's because not only does college education upgrade work skills and knowledge, it also upholds the training needed to climb higher up the corporate ladder. Now, with the computer and Internet technology, learners can even have instant access to upgrade their expertise in virtually every vocation.

Centennial College's Continuing Education allows you to explore further education through part-time, evening, weekend, online and alternative format courses. The programs and courses are designed to improve your skills, further your education, allow you to pursue a variety of interests and enable you to embrace new possibilities at your own convenience. That's because through the Continuing Education option, you are given choices. For example, you may choose to study in the school's fully equipped facilities in the evenings and on weekends. This will put you into a classroom setting with a professor and other peers where practical hands-on knowledge is provided through group projects, presentations and labs. If, however, this doesn't appeal to you, you can opt for Distance Learning, which allows you to learn online from home, on the subway, during your lunch break at work, or anywhere you desire. This type of learning is designed for a more independent learner.

So how does Centennial's Continuing Education option stack up? Well, nearly 22,000 learners each year in 160 programs with over 1,200 courses and a 97 per cent learner satisfaction is a testament to its success. In addition, Centennial College's faculty is praised for understanding the needs of adult learners with flexibility, learner-centred teaching methodologies and a mature environment.

Each option at Centennial comes with different prerequisites. You'll be able to find more information about this when you apply online for the Continuing Education program of your choice. However, please be advised that within certain programs there may be qualification requirements and costs for external accreditations, designations, certifications or recognitions. These are set by the granting bodies and not by Centennial College. In order to qualify for any of those external accreditations, designations, certification or recognition, students and graduates will need to follow the processes and meet the applicable requirements listed on the websites and materials of those external bodies.

Wednesday, December 9, 2009

Physical Therapy Continuing Education: Rehab Post Acl Surgery

Many of the Physical Therapy continuing education courses I have attended are taught by other Physical Therapists. Since many of the patients we see on a regular basis are post surgical, I'm surprised more courses don't have input from orthopedic surgeons.

We recently interviewed a prominent orthopedic surgeon to get his input on rehabilitation following an Anterior Cruciate Ligament (ACL) reconstruction surgery.

Here are some excerpts from the interview.

PhysicalTherapyContinuingEducation.Org: What are some of the key outcomes you are looking for when a patient comes back to see you after the surgery?

ACL Surgeon: So, I think important things are early on, again, gaining that extension, decreasing the swelling, getting that motion going, and then getting them on a bike and really working with them. And then the other thing is not trying to do things too fast. Ive seen some patients that have come back from therapists and said, Well, they tried to have me do this jumping or running or hopping or things like that before they were ready, and again, that was not necessarily in my protocol. Sometimes the patients doing so well that the therapist thinks that they may be able to do advanced things sooner, and that may not be the case.

So, communication I think is important, and both with the issues that are going on that are not good, or issues that are good that they may want to communicate and say, Johnny looks great and is doing real well. What do you think about doing this? And I really appreciate that kind of feedback and I appreciate the time that is taken that somebody like you will take with the athlete, and the expertise that you take in really getting this patient back.

If I do a good surgery and everything goes great but we dont have good rehabilitation then its all for not. At the same time I give a huge amount of credit to the physical therapists and the athletic trainers that work with these athletes because theyre really helping the athletes along, and getting them to where they need to be, and if we didnt have them then they wouldnt be able to get back. So, I think its really a joint effort and a combined effort that we can all take pride in when the athlete does get back on the field.

PhysicalTherapyContinuingEducation.Org: Excellent. Any exciting work on the horizon that youre aware of in regards to ACL reconstruction?

ACL Surgeon: It continues to advance. Theres some work with some of my colleagues that I used to work with at Vanderbilt in Tennessee that theyve been looking at growth factors and ways to potentially help to optimize healing of the ACL and looking at different scalpels that we may be using. Some off the shelf ACL type tissue that may be grown in the lab. That may be a ways off, but I think thats very interesting.

Additionally, I think the rehabilitation continues to evolve and advance, so I think thats exciting as well. We continue to gain a better understanding of what were doing and how to get people back and been very happy with the results.

Some of the work too, and Ive done some of the double bundle type procedures, I think theres a role for those, maybe not as a primary ACL type of surgery, but using two tunnels for the ACL and revision surgery may be very helpful and Ill be very pleased with that. So, theres some work done there that weve all got a great understanding of the anatomy of the ACL and again, I think understanding where to place the ACL is really important and that has come under great understanding with the concept of the two tunnel or double bundle techniques as well.

So, I think its all evolving and we are getting better at fixing these. Were getting better at doing the rehabilitation and providing better outcomes for our patients, and thats really what its about.

Tuesday, December 1, 2009

Be on Top through National Massage Therapy Institute Continuing Education Classes

Being a massage therapist doesn't stop there. If you want to earn more and have many clients, then continue enhancing your career through National Massage Therapy Institute Continuing Education. This will improve your skill more as professional therapist. There are always new in massage therapy. In order to keep abreast, enroll now, learn more and get more clients.


If you think you are too busy to attend class anymore, no worry at all. You still have ways on how to sign up with those classes. National Massage Therapy Institute Continuing Education is offered online. Have your online class. You don't have to leave your house and waste your time in the road to attend your class. You can comfortably sit at the comfort of your own home while taking the class. This is a great opportunity for you to make the most in your massage therapy career.  Never be contented in your current standing in your career.

Let the institute handle your future. You can bring out the best in you and be on top.


Being in a massage therapy field, common and basic things should be learned. This is to keep on the flow of fast changing world and to continue answering the demands of the client. You should give what your clients deserved. This is where your earnings depends so better watch out on things that can help you improve more on your career. What you have to offer is what a client is looking for. They are after how well you perform and the outcome of your massage therapy. If you offer the best, then you can ensure that clients will look for you again. So it is important that you are practicing within the professional guidelines and standards. Make it a point that you always make the best of you and you still get knowledge from massage therapy classes.

They will teach what you don't know and maintain what you know. So make this as a ladder to be on top and be the best massage therapist on your area or soar high and hit your mark.