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There are two primary factors affecting health insurance policy rates and premiums The first item is your own health history as well as your family health. The number two cause is age. Insurance companies take into account both family history and personal health when calculating premiums for life and health insurance. Health insurance companies usually request blood and urine samples to verify that there are no pre-existing health conditions. The majority of insurance companies provide plans with costlier premiums to individuals with serious or chronic conditions like coronary disease, cancer, diabetes or elevated blood pressure. People who have perfect health will notice that the standard term...

Joining an HMO will help lower your health insurance cost. They provide a far cheaper option than traditional health insurance. With the cheaper cost comes restrictions in the doctors, health care professionals and hospitals you can use. For those who want total freedom of choice of whom to use and where to get medical care, a traditional plan is still your best bet. For such people, cost can be reduced by a great margin if you can take the time out to shop extensively for the best rates. This is a guaranteed way to pay far less while using a traditional health insurance plan. However, where you are willing to accept the restrictions, you'll pay less with an HMO. Using a Preferred Provider...

Attracting inexpensive rates while maintaining the right coverage is quite easy provided a policy holder understands the right steps to take. That's what this write-up is all about: Showing you 7 steps to massive savings. Here they are... 1. Are you aware of the fact that your co-pay could cost you more than your drug cost sometimes? Sometimes, it is cheaper for you to get a prescription without using your health insurance. Find out which is best in each case and do what profits you more. Careful examination will help you save a lot on the long run. 2. Some people find themselves in a position where they are not qualified for Medicaid and as well have great difficulty paying for a traditional policy...

There are many interesting ways anyone can lower their California health insurance cost. This article will point you to a good number of them. You'll do well to go through them and do your best to implement them... 1. There's a special kind of savings account known as the Flexible Spending Account. You can put away tax-free dollars to cater for your health needs. You can in addition roll over any amount you didn't use in one year to the subsequent year tax-free. You can build a large reserve of money for your health need tax-free if you open a Flexible Spending Account. 2. Also note that you'll spend less on it by using a PPO or Preferred Provider Organization. It costs more than an HMO and also...

If you have any permanent health problems, such as type 1 diabetes, or have had cancer at one time in your family history, your monthly health insurance cost could easily be more than the house and car payment combined. If you have always had a health insurance benefit where you work and especially if you were a state or federal employee and now need to buy your own, you may not be able to afford the level of coverage you used to have. You want to know what to look for in a good but low cost health insurance. There are many different plans available today in the US. And low cost health insurance is definitely available - if you know where and how to find it. Health insurance is simply the coverage...

A health insurance policy is the need of everyone. A health insurance policy gives protection in many ways. Health insurance can be very helpful in the ugly situations of your life. It takes care of your all unplanned medical expenses. Every policy comes with it`s own benefits. Lets talk about the benefits offered by common insurance plans. - You will be treated in the best hospital under the supervision of a qualified professional. - Patient don`t have bother about any type of expenses. Health insurance cost is rising every day. There are many people who can not afford a health insurance nowadays. You can`t go for the cheapest plan available because it does not covers all your requirements. So you...

Any parent in the state needs to know how to find the best health insurance for children in Arizona. Frankly, millions are without medical insurance in the United States. Many of those are children. Finding medical benefits just for children does not have to be as hard as finding coverage for even the healthiest adult. Probably the best advice for any parent is to become an informed consumer. To that end, we've provided some basics on the types of kids health insurance in Arizona because the truly sad thing is that there are many free or low cost options for children's medical insurance in Arizona that many adults do not even know about. No child should have to go without adequate health care so...

It's better to be safe than sorrowful. Even more when you're buying individual health insurance. There's so many Americans having trouble purchasing insurance, in particular self-employed people. The economic situation is the one to blame for this. Thousands jobless, they don't know if they should purchase insurance now that their budgets have been sliced. Buying Individual Insurance - Advantages and Disadvantages There are advantages and disadvantages to buying individual insurance. If you're self-employed getting insurance adding more to the budget and slicing something out of it. But if you are lucky to be employed, you won't have to worry budgeting insurance because the company you are working...

ent"> I’m compelled by my good nature to share an incredible discovery. In doing some comparisons of a dental plan to a dental insurance, I discovered some very important distinctions. With the recent need to cut back on many of our expenses, a vast majority of us are facing the struggle to keep our health insurance cost at a minimum. And for many of us, the added expense of dental insurance is something that is put on the back burner until it’s too late. Even if you have dental coverage" with your current insurance policy, when it’s time to visit the dentist we find that the insurance policy does not cover everything we think it should. Have you ever tried to use your dental...

There are millions of Americans fighting to get coverage due to health related problems. Unfortunately for these people with pre existing health conditions as the insurers define them, are not eligible to receive the same costs as everyone else. The main reason for this, is that the health carriers companies don't want to have to pay for the high expenses that these people's medical treatments cost. It's all in their best interest, not the consumers. It does not mean that you're not able to apply and get health coverage if you have a pre existing health condition. All it means, is that they can charge you more on your premiums and out-of-pocket costs. If you have a pre existing health condition, but...

, Louisiana was ranked 47th among the 50 states of the US in a ranking of healthiest states by United Health Foundation. This does not sound good but there is some good news on the same front for Louisiana. The state showed improvement in preventive hospitalization. At the same time, 83% of children between the ages of 19-35 months were reported immunized and gave the highest ranking to the state in the category of immunization coverage. On another front, the prevalence of smoking has also fallen by 23% over the past five years. All these statistics show a marked improvement in the general health status of the state. In wake or rising costs of healthcare services, Louisianans should avail proper...

Who Qualifies for COBRA COBRA benefits are available to certain individuals who are covered by a group health plan on the day before a qualifying event. Beneficiaries generally include former employees; retirees; and spouses, former spouses, or dependent children of qualified individuals. Directors, agents, and independent contractors may also qualify for COBRA benefits if they participated in a qualifying health plan. A dependent may elect to receive COBRA benefits even if the related employee does not. Private companies with 20 or more employees, state and local governments, and other employee organizations are generally covered by COBRA. COBRA "Qualifying Events" COBRA health insurance is only...

Affordable health insurance for the unemployed may feel impossible to find, but as long as you know where to look and have determination it is within your reach. Actually, self-employed individuals and individuals who are employed but aren't offered employer-sponsored group health insurance can benefit from the much of the same advice. The first step to finding affordable health insurance for the unemployed is to find out if you're eligible for COBRA. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) made it possible for individuals who are terminated, laid off, or transferring jobs to temporarily continue to receive group health insurance benefits. So, if you've just recently...

If you have preexisting conditions when you are looking for NC health insurance, one of three outcomes are likely to happen. You will either (1) be declined for coverage, (2) have your condition ridered, or (3) your premium will be increased. In this article we will look at how most carriers will handle common preexisting conditions. When people talk about NC health insurance and preexisting conditions, what they are talking about is getting coverage for conditions that you may have prior to getting the coverage. This could include chronic illness, mental illness, or hereditary illness. Each carrier will handle conditions differently and it really depends on what the condition is. For example, if...

Small companies create a significant percentage of new roles in the country and make significant contributions to the nation's business viability. With over twenty-six million smaller firms now operating in the U. S., this sector increasingly makes a contribution to the gross state product, private revenue and total work figures. Rising Medicare costs affect a little business' capability to offer health care insurance and survive in a tough market. For that reason, and due to the seriousness of small firms to the economy, many states have taken action to help such entities with the affordability of health insurance. With over 42 million people working for smaller companies, states have a chance to...

Many people either don't know about supplemental insurance, or they just don't fully understand it. Many are faced with large amounts of debt due to health. 60% of bankruptcies in the United States are health related. Many are forced to sell their homes, cars, personal belongings, and even use their kids college funds to have to pay for health related costs because their health coverage did not cover all costs associated with their condition. Fortunately, there are solutions to cover these additional expenses and vulnerabilities that every health insurance policy has. What is Supplemental Insurance? Most are familiar with major medical coverage that is used to cover co-pays, and other basic health...

Loss of Management carve-out, Section 105(h), Grandfathered Plans Section 105 (h) prevents discrimination in the workplace as it pertains to employee benefits and employees income levels. Its intent is for employers to offer the same plans and contribution strategies to rank and file employees and executives alike. Health care reform has mandated that effective 2010 all group plans must comply with Section 105(h) unless they have grandfathered status. To obtain grandfathered status you must not have made any changes to your group plan design (co-pays, RX costs, etc.) other than adding or dropping employees. What does this mean for PEOs? If a PEO makes changes to their group plan descriptions during...

Anthem insurance covers a diverse plans that is affordable and attainable. Anthem coverage is venturing on the roads of perspectives to give their members a variety of plan, platforms and choice which is adapting to their member's standard healthy living. In Anthem health coverage there is a broad group of beneficial plans that are entailed and suit the need of their insured members. Anthem insurance coverage may vary to the plans you are going to make a quote with. It includes Individual health plans, Group health plans, Vision plans, Life plans, Prescription plans, dental plans and still a lot of favorable plans to choose from. Benefits are just around the corner and you do not need to cram when...

For now, most small businesses are not required to offer health insurance, but there are insurance regulations in certain states. However, offering health care benefits will do more than keep up with regulations; it will attract new employees and help reduce turnover. Besides, many small businesses can seem like a second family to owners and employees alike. A caring business owner wants to provide for his or her employees as well as possible without going bankrupt. The key to providing health insurance is choosing the best type of policy possible. States regulate health insurance providers, but there are federal laws protecting small businesses from discrimination. A provider, for example, may not...

p>COBRA health insurance is an area of insurance law that suffers from a certain degree of uncertainty and yet this law will affect the lives of many Americans at some point in their lives. This is not an obscure law that only affects a small number of people in limited special situations. COBRA (or the Consolidated Omnibus Budget Reconciliation Act of 1986) amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation of group health coverage that otherwise might be terminated. According to the US Department of Labor; COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right...

Health Coverage Policies (or Health Insurance Plans) vary greatly depending on what type of category the particular falls under. There are four main types of insurance and one of the categories contains three subcategories itself. The types are as follows: Individual or Self-Insurance; Indemnity plans or fee-for-service plans; and finally Managed care with its subcategories being Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Point of Service (POS). The categories seem simple enough but choosing the best for your particular needs can sometimes prove to be difficult. Knowing what each of the Health Coverage Policies consists of can make your decision that much...

If you are looking for affordable dental health insurance then this article is just right for you. You will find tips on how to choose an affordable dental plan for you and your family. It's most common that a dental insurance is offered through the company you work for and it's then normally a part of a health insurance. However, these insurances cost a lot and many businesses especially small businesses cannot afford to offer it to its employees. You have to get your own dental coverage but it can cost you a lot of money if you don't know what to look for. You have to decide what is affordable to you. There are something called discount dental plans that a lot of people settle for. These gives you...

Before you begin searching for infertility health insurance, you must first determine what kind of infertility health insurance coverage you need. If you know you're having fertility problems, but aren't sure why, you may want to check into diagnostic infertility health insurance. Diagnostic infertility health insurance covers medical services administered by doctors to help them figure out the cause of your infertility problems. However, if you already know the cause of your infertility, check into infertility treatment health insurance. Infertility treatment health insurance covers the cost of any medical procedures administered to help you become pregnant such as special medications, assisted...

Commercial health insurance provides two main benefits. These are medical expense benefits that often cover a wide variety of medical procedures, tests, and hospitalization and disability income for those that are disabled. There are huge variations in the different types of coverage that are offered, but there are basic criteria that remain fairly standard and easy to comprehend. The medical expense coverage can be pretty comprehensive. It often includes operating room visits, doctor and surgeon fees, prescription fees, prosthetic limbs, laboratory tests, therapy and ambulatory patient transport among many others. Some forms of health coverage however may offer a more extensive list of services...

Nowadays obesity has become one of the serious health issues in United States. According to the statistics, it has been stated that one in five Americans is considered overweight. When someone's body mass index (BMI) has reached 30 or more, he or she is definitely suffering from obesity. Now the critical issue arises here is whether the obese people are able to obtain health insurance coverage from the insurance companies. When a person who is suffering from overweight problem approaches the insurance companies, he or she may face some problems. In fact, obesity is considered as one of the undesirable pre-existing conditions by the insurance providers. This is because obesity is always linked with...

Everyone is looking to save money these days. You may have looked at the cost for your health care coverage and decided that was simply more then you could, or wanted, to spend. While dropping your health coverage altogether may seem like good way to save money it absolutely is not. If you cancel your insurance coverage you will save money for a while since the money that you were spending on premiums will go right into your pocket. Unfortunately, the first time you make a trip to an emergency room the savings will go right out the window. Without health insurance you are responsible for the entire cost of your health care. United Health Care Insurance is one of the providers that are worth your...

If you currently have or have had health insurance through your employer at some point in your life you realize how important it is to have that coverage for yourself and your family. But should you be in a position where having health cover is not something you believe is in your budget you are leaving yourself exposed especially if you are a single mom. Not only is your health at risk but so is your finances and that is why you should look for cheap health insurance for single moms. Even minor medical care these days can easily cost a few thousand dollars out of your pocket without proper coverage. When you approach shopping for health cover don't automatically go for the big companies that are...

Depending upon who you ask, it is estimated that there are more than 30 million Americans walking about without health insurance. We know there are at least 15 million people unemployed so it is safe to say that most of them probably lack health insurance. So 30 million is probably close. Why are there so many people without health insurance? Firstly, when an employee is laid off Federal law requires the company to continue to provide access to its health plan at the laid-off employee's expense. COBRA, as it is called, is often two to three times more expensive than what you can buy on the open market. As a result, the majority of laid off workers elect not to continue their health coverage...

The Cobra 60 day election period is essential to those individuals who have been laid off or involuntarily terminated. Unfortunately, corporate layoffs have risen over the past few years. In fact, layoffs have become so common that there are many well-qualified individuals who have settled for part-time work at local convenient stores in order to make ends meet. The Cobra 60 day election period becomes essential because it gives an individual time to pursue all health insurance options and determine which option will best suit him/her. Once an individual has been laid off or involuntarily terminated, he or she has 60 days to elect Cobra coverage. During the 60 day period, the individual may...

Rhode Island Has enacted the Rhode Island Health Insurance Continuation act. This act allows a person to remain on their ex-husband or ex-wives health Insurance after Final Judgment of Divorce. Unfortunately, this act has been watered down by recent case law out of the Federal Court District of Rhode Island. The case of Duclos v. General Dynamics Corp., 12 E.B.C. (BNA) 2648 (D.R.I. 1990) stands for the proposition that The Rhode Island health Insurance Continuation act is Preempted by ERISA. ERISA is a Federal Statute. Under Common Law, if a federal statute and state statute relate to similar topics, Federal Law may preempt state law. The Federal Preemption Doctrine is "a doctrine in law that allows...

This economy has more and more Americans looking for new individual health insurance choices. With the massive amount of layoffs consumers are requesting quotes at a breakneck rate. If you are in my line of work that's great news, however there is one little tiny piece of paper that you have that is critical to the proper claim payment performance of your new coverage. Your new health carrier needs, no, correction, must have your Certificate of Creditable Coverage (CCC). This document is provided by your old insurance company. Simply put, this paper proves the length of time you have been covered by your prior benefit carrier. It also indicates the termination date of coverage. Now, what's the big...

If you are currently looking for health insurance, then you know that there are a number of conditions that you can have which can actually negatively affect your rates. This is one truth about health care that makes many people angry. The more you need the care, the more expensive the coverage is. This may not make sense to you, but from a business perspective this makes perfect sense. For that reason, if you have a condition such as asthma, which is very common, you may end up paying much more for your coverage than you are happy with. There are ways to deal with this in a smart way, however. There is no reason to get frustrated and pay more than you should. Your first step toward getting health...

iv id="body"> Regardless of where you live in Missouri, if you don't have a job that offers a health benefits package, or if you don't work at all, you're most likely going to have trouble finding affordable health insurance in Missouri. The exceptions, of course, are those individuals who are married and have spouses with excellent health benefits packages, or those individuals wealthy enough to purchase individual health insurance policies. Some Missouri residents have trouble obtaining affordable health insurance in Missouri for various other reasons. Some people find their health insurance policies involuntarily cancelled, while others are being charged more than 300% of the standard health...

Over the course of its seventy-year history, the non-profit health plan Blue Shield of California has been dedicated to its mission of ensuring health coverage for all Californians by offering some of the most innovative health care products in the market, including Blue Shield dental insurance and health plans. As of April 2009, 32,000 physicians and 303 hospitals are part of its HMO network while they have 65,000 physicians and 348 hospitals in their PPO network. Membership reached 3.4 million as of February 2009, of which 1.2 million were enrolled in HMOs and 1.56 million in PPOs. Blue Shield dental insurance currently offers a range of inclusive and affordable plans which are available with or...

Medical coverage choosing is important if you are to receive the kind of care you want at a cost you can afford. Generally, there are three kinds of coverage available for private purchase: HMO plans, PPO plans, and POS plans. Each should be examined and fully understood before proceeding with medical coverage choosing. HMO Plans "HMO" stands for "Health Maintenance Organization" and refers to health care plans that are largely self-contained. In HMO systems, all services are provided through the organization itself. This approach has many advantages. The first is convenience. If you need a health problem addressed, you typically need not search for services, programs, or specialists in order to...

The most beautiful gift given by God to a woman is the ability to deliver life which comes as the most joyous occasion for a family. However, unfortunately this beautiful feeling is hindered and overshadowed by the dark clouds of financial insecurity. A large percentage of women are clueless as to how to cover their maternity costs efficiently so as not to burn a hole in their pockets. This situation incurs the pregnant women with high stress and tension during her pregnancy which results in the complications at the point of delivery of the child. Now, the question is how you can save yourself from the stressful situation during the pregnancy period and avoid any sort of unexpected complications...

Buying health insurance can be a very stressful process. There are so many insurance companies and plans on the market that choosing the best one that fits your needs feels like an impossible task. Add to it the fact that, due to the economic downturn, you may not have as much money as you once did. Therefore finding coverage that you can afford becomes even more of a challenge. But getting affordable coverage for you and your family doesn't have to be difficult. Here are a few tips on how to find affordable health coverage easily and without emptying out your bank account. Assess Your Needs - Before you can compare insurance policies and pricing, you need to know exactly what type and how much...

The latest health care bill that was just passed has many people relieved and others not very happy with the government. The latest bill will make health care affordable for all Americans. While this is great news for most people, other provisions of the bill have left many people less than pleased. Not only will it provide low cost health care, but it will require everyone to have medical coverage or get fined. This new legislation will have people searching for affordable health care before the new bill takes effect. If you have health care that doesn't satisfy the minimum requirement, you may need to start researching supplemental health insurance. Most conventional insurance plans cover a whole...

Affordable health insurance in Tennessee can be obtained through Cover Tennessee, a volunteer health insurance in Tennessee which is not only affordable to the state, but is also affordable to participants of Cover Tennessee. Cover Tennessee is designed to provide affordable and obtainable health care coverage for Tennessee residents who are without health insurance because they can not afford to purchase a health plan, or because they can afford to purchase a health plan but are continually turned down for health coverage due to a pre-existing health condition or severe ill health. States across America are struggling to help their residents find affordable health insurance. Some Americans can...

Do you need to get a UB04 form completed for an insurance company? What is a UB04 form? Where do you find one? And how do you fill it out? We run across these questions often in the world of medical billing. Most medical health insurance claims are filed on CMS 1500 forms (sometimes called HCFA forms). These are more common to most people. Many billers don't know when to use the CMS forms and when to use the UB 04 forms. The UB04 claim form is used by facilities rather than physicians for their health insurance billing. Hospitals, rehabilitation centers, ambulatory surgery centers, clinics, etc need to bill their services on the UB04 form in order to get paid. Physician billing is done on...

The role of the Medical Office Manager or Practice Manager is varied and complex. The OM basically runs the business side of a medical practice, clinic, or group of physicians. That means he or she is responsible for billing, scheduling of patients and staff, maintaining inventory, balancing the books, complying with Regs, and a whole host of other day-to-day tasks.  But ask Practice Managers to define their role and most will say they are "problem solvers."  On a given patient's chart it's easy to find his or problem or "chief complaint" for the physician to deal with. Practice Managers on the other hand spot problems in the office, and they usually do not need a chart to recognize the signs and...

You've probably heard that the mandated switch to using ICD-10 codes for filing claims has been delayed by a few years until October 2013. You can breathe a little easier for now, but you may want to consider how your office will implement the changes now. And what do these changes mean for your practice? First, some background...as you know, medical insurance companies do not pay for "tension headaches" and "15 minute office visits for an established patient" - insurance companies pay for ICD-9 codes like 307.81 and procedure CPT codes such as 84450. ICD-9 codes, procedure and HCPCS codes all describe patient complaints, illness, procedures and supplies for a submitted claim. The ICD-9 codes...

One of the blogs that I like to read, The Healthcare IT Guy, posted some good thoughts last week about the final MU rules for EMR and what physicians should do next. I liked his advice, which included: - "Don't be in a hurry to make an EMR/EHR decision because of incentive payments; even if you start in 2012 you'll be eligible for full payments from Medicare ($44k over 5 years) and you can start as late as 2016 to get full payments from Medicaid ($66k+ over 5 years). If you're making EHR/EMR decisions based on other business benefits and not incentive payments then you should continue that research and decision-making process." - "Do be in a hurry to use technology that helps with office automation...

Does that mean it's time to buy an EHR? Maybe not. If you've been thinking about moving to an electronic health records (EHR) system, in hope of the federal government subsidizing the cost, you might be led to believe the time to act is now. After all, the promise of $44,000 per physician from Medicare (or up to $63,750 under Medicaid) is pretty alluring. Getting that money, however, is not automatic, and not every EHR may qualify. In fact, as of right now, no EHR qualifies for the reimbursement. Not even one. Shocked? It's the little secret that vendors aren't touting. To be fair, it's not the vendors' fault. And with all the news this week about "meaningful use," you might think that everything is...

Appealing denied claims used to be a simple process. A biller working with a physician's office would stamp "APPEAL" in big red letters on a photocopy of the claim, and mail it back to the insurance company. These days, you'd be wise to put the cost of that postage in the bank, and throw away both the APPEAL stamp and its red ink stamp pad. This sort of knee-jerk response won't even make it past the insurance company's initial computer screening; they'll likely toss such "appeals" into the trash and you'll never hear anything back from them. To successfully appeal denied claims, you need to get your "A-game" on; otherwise, you won't see a penny for your efforts. Follow these steps to effectively...

Healthcare insurance business continued to boom in 2006, mostly at the expense of both providers and patients. A review of recent healthcare insurance industry trends help identification of six payer activities that will impact medical billing and healthcare providers revenue in 2007. Two key aspects dominated business background for insurers in 2006. They 1. Must meet tougher profit margin benchmarks. For instance, United Healthcare saw its earnings rise 38% in the 3rd quarter of 2006 alone. To keep its share value growing, United Healthcare will have to demonstrate still better performance in the 3rd quarter of 2007. 2. Approach the limit of their ability to grow premiums. Premiums...

In the market for individual medical insurance? Here's how to get the best rate with an A-rated company. Individual Medical Insurance There are two types of medical insurance - indemnity plans, and managed health care plans such as HMOs (health maintenance organizations), PPOs (preferred provider organizations), and PPOs (point of service plans). Indemnity plans let you choose your own physicians and hospitals, and they pay all or part of your medical costs. They're the most expensive plans, involve the most amount of paperwork, but offer the most flexibility. Managed health care plans set you up with a network of physicians and hospitals, and assign you a primary care physician who oversees your...

emental health insurance has become popular nowadays. People prefer to have health insurance policies so that they can meet the exorbitant cost of medical treatments. Cost of treatment of killer diseases like cancer can ruin a person financially. Affordable health insurance policies help people to meet the costs to a very great extent. But in cases of unexpected accidents, the insurance scheme of the policy holder may not cover all the expenses. There are expenses of transportation, lost income from not going to work, expenses of domestic help which may not be covered and can be a drain on the pocket. Affordable supplements help to cover the medical expenses not covered by the basic insurance scheme...

Cerebral Angioplasty This is often the treatment choice if you've had several small strokes that can't be treated with medication. The surgeon inserts a small balloon into one of the blood vessels supplying the brain. The balloon enlarges the vessel and increases blood flow. * Stroke There are three types of stroke: - * Ischemic Stroke – This is caused by a blocked artery leading to the brain. The plaque that blocks these arteries can break open or rupture, causing a blood clot to form inside the artery and stopping blood flow to the brain. * Hemorrhagic Stroke – This is caused by an artery rupture in or near the brain. * Mini Stroke – Also called a Transient Ischemic Attack (TIA), this...