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Having pre-existing conditions such as diabetes and heart ailments usually put individuals at risk for losing their security since they are considered to be liabilities in the short and long term. You have to show the agencies that you can adequately pay for the premium, as well as stay healthy enough to give them their dues too. Here are some tips from the experts. People Unable to Get Coverage There are plenty of individuals who are unable to purchase private health insurance because they have a known health condition or problem that is very expensive to treat. Insurance companies have the right to refuse to cover such individuals since they are considered as liabilities and may cost the company...

For a majority of people, health care is one of those sensitive subjects. No matter what solution to health care is presented, there is undoubtedly going to be someone that disagrees. And given the current political climate, the debate over health care is at the forefront of everyone's minds. Until this debate comes to some form of resolution, for most of us there will continue to be only two types of coverage: group insurance and private health insurance. Of these two options, the more appealing is typically the group insurance option. Most people would rather not have to front the entire cost of the insurance, as well as worry about the myriad of other factors involved with private insurance. If...

A career as a physician is not only challenging and rewarding, it is a lifestyle. The training requirements to become a physician are demanding and require many years of education. Physicians work long hours and spend most to their time walking or on their feet. There are many types of physician careers, as they all do not work directly with patients. Some physicians are involved in research, while others have chosen to teach, be administrators, or advisors. There are also many specialties physicians may choose to pursue; such as internal medicine, pediatrics, or family medicine. Other choices when looking for a career as a physician are dentistry, psychiatry, anesthesiology, surgery, and more. A...

How to find a doctor? There's no magical route to finding the right doctor. If you have a primary care physician just call him or her and make an appointment. If you don't have a primary care physician, try the route suggested above. Or, if you feel you need specialist care, you can save time and money by going directly to a specialist with your particular medical problem. In the old days most patients would ask their primary care physician for a referral. While this is still done, more and more patients are going directly to a specialist for their medical needs. Tips on how to look for a doctor 1. Find out the history of medical symptoms or diseases that run in your family, or ones you or your...

Medical Transcription, How Do You Work From Home? If you don't know that's OK! Most beginners to the home based medical transcription industry don't either but this article will give you an expert overview of the industry. You Can Not Go Wrong If You Act Upon What We Share With You! Is Medical Transcription A Legitimate Home Based Business? Yes, it is and it has been for decades. It is not one of those widely advertised scams that you would see online or in newspapers like the medical billing industry is plagued with. Medical Transcriptionists have three options when deciding how they want to work: 1) Work inside a practice, hospital, etc.- if you take this route then you could make the equivalent...

Employees of small organizations or groups are normally given various health insurance options by the company owner. The insurance covers practically almost everything, from visits to the doctor to prescribed medications to hospital visits, etc. To assist owners of small business decide on what type of health coverage best matches the budget of their company and the needs of their employees, the below offers information about the various types of plans. Indemnity plans - These main medical plans normally include a deductible - the insurance company will start to pay the benefits after the insured person have paid the amount. Once the covered expenses go beyond the deductible amount, benefits are...

Advanced surgical cells of Mumbai and Bangalore provide world's top rated healthcare programs for esophageal cancer surgery in India with latest diagnostic and facilities that is attracting patients from all over the world. Hospitals providing esophageal cancer surgery in India have a dedicated team of physicians, nurses and other healthcare professionals who provide an extraordinary level of knowledge, skill and compassion to every patient. Advanced surgery cells of Mumbai and Bangolre welcome patients from all over the world and insure the greatest patient comfort while providing outstanding comprehensive care. Esophageal cancer is cancer that develops in the esophagus, the muscular tube that...

In his recent book The Checklist Manifesto, Dr. Atul Gawande describes in great detail the creation of the World Health Organization's Safe Surgery Checklist. Checklists for healthcare were first discussed by Gawande in an article in the December 2007 issue of The New Yorker titled (what else?) The Checklist. The central point of this article is how the use of a 5-point checklist helped in dramatically reducing infection rates associated with the insertion of central lines. There you have it, one shining example of the power of the humble checklist. Why then are healthcare professionals so slow are at adopting standardization practices in their daily work? Standard Work is not your enemy! There is a...

INDRAPRASTHA APOLLLO HOSPITAL : Apollo Hospitals recently achieved the Joint Commission International (JCI) USA Accreditation - the first Indian hospital to be awarded this gold-standard certification. A joint venture between the Apollo Group and the Government of India, it was founded in 1996. It is the largest hospital of the group and was built at a cost of 44 million US dollars. With a bed-capacity of 692 (including 138 ICU beds) and 14 Operation Theatres, expert medical professionals and the latest technology, the Indraprastha Apollo is the automatic choice for outstanding healthcare in the country's capital. The hospital handles close to 200,000 patients a year, of which 9,500 are...

India is the preferred destination for the Cost effective treatment of Malignant mesothelioma of pleura. An integrated world-class healthcare system, leveraging best medical practices backed by cutting-edge technology, specialized clinics, comprehensive services, internationally renowned private hospitals offering utmost level of integrated healthcare to international patients. The medical tourism industry in India is growing at double-digit growth rate, outstripping the 4% to 6% growth in general travel bookings. For many medical tourists, though, the real attraction is price. The cost of treatment of Malignant mesothelioma of pleura in India, is not only affordable but the quality of the...

What integrated healthcare needs is new solutions - like Q-link. This exciting technology, endorsed by many medical and scientific institutions, is the result of over 15 years of research and development by leading scientists, engineers, and health care specialists. Q-link uses technology called sympathetic resonance technology. This technology is a new branch of quantum physics. The Q-link acts like a tuning fork that helps your body's energy system vibrate at just the right note. The sympathetic resonance technology is engineered from a scientific field called subtle energy. We are now discovering how subtle energy refinement can make quantum electromagnetic, chemical and biological phenomena more...

  Ear, Nose & Throat Surgery Hospitals in Delhi   ENT Hospitals in Delhi   ENT, the abbreviated form of Ear-Nose-Throat, refers to the health of these crucial areas of the body. An ENT specialist looks after problems ranging from childhood hearing loss to cancer of the head and neck. In Delhi, the experienced ENT specialists give the best possible treatment to their patients. From stapedotomy to thyroplasty, a medical tourist to Delhi can opt for any of the latest ENT surgery procedures...   Stapedotomy - ENT Surgery at We Care Partner hospitals in Delhi Stapedotomy is a delicate operation done on the tiny bones inside the middle ear. The ear is divided into three chambers, and any disorder...

  Minimally Invasive Surgery Hospitals in Delhi   Minimally invasive or Minimal Access Surgery Hospitals Minimally invasive surgery at hospitals in Delhi has less operative trauma for the patient than an equivalent invasive procedure. It may be more or less expensive. Operative time is longer, but hospitalization time is shorter. Minimally invasive surgical procedures avoid open invasive surgery in favor of closed or local surgery with less trauma. These procedures involve use of laparoscopic devices and remote-control manipulation of instruments with indirect observation of the surgical field through an endoscope or similar device, and are carried out through the skin or through a body cavity or...

 Top quality dental implants treatment in India at Delhi, Mumbai and Chennai is being provided at a low cost. Indian dental surgery clinics are medical hubs having international quality dental care facilities. Modern dental implants treatment is highly successful, as a general guideline, the five-year success rate of dental implant is over 95% with the lower jaw (mandible) and about 90% with upper jaw (maxilla). The cost of dental implants treatment in India is very affordable plus you get a highly advanced and medically integrated healthcare system in India. Dental implants treatment in India is provided with the best medical facilities by experienced dental surgeons. If you suffer from the above...

OB GYN jobs tend to be mostly associated with childbirth only. However, OB GYN doctors and nurses also deal with a lot of areas in the medical field. This involves with dealing with issues primarily with the female, the female's reproductive organs, the pregnancy stage, etc. An OB GYN office is home to several obstetrics and gynecology activities ranging from female check-ups to sensitive and critical surgeries, most particularly, full hysterectomies on those patients with cancer. As such, the job of an obstetrics gynecology physician is considered one of the most complex medical practices in the medical sciences. Sadly, obstetrician gynecologist jobs is at a high rate for the past years because of...

Every profession's first step is of course being able to have the right quality and amount of education in school. And the same way goes with being an ob gyn nurse. The only difference is for one to become a nurse; one must first have a bachelor's degree in nursing and eventually pass the board or licensure examination given by the country where he/she resides. Sometimes, there are countries which allow those students or graduates of not less than two years of education in the form of associate's degree in nursing to specialize in the field of ob gyn jobs, likewise those who have obtained a license in practical nursing are also given the opportunity to practice in ob gyn related areas of hospital...

Like an OB GYN nurse, the first step in creating a career as an Ob Gyn doctor is completing a bachelor's degree. Most of those who intend to enter or go into the medical school take science related course as their pre medical requirements. Such science related courses may include anatomy, physics, chemistry, biology, humanities or even nursing. By having these courses completed by someone who aspires for ob gyn jobs, he/she may already be eligible to go the medical school but that is of course after being able to pass the qualifying admission examination. The qualifying examination is called as the Medical College Admission Test. The result of this exam together with the General weighted Average is...

Are you one of the many who are OB GYN careers aspirants? If so, there are so many things to consider first. Initially, you have to think about what form of OB GYN job you want to enter, as there are so many sub-specialties existing today. You need to look into each and every one of them to be perfectly sure on what you want. Here are some of the subspecialty programs offered to OB GYN especially in the United States of America. • Maternal-fetal medicine. This subspecialty is also referred as perinatology where high risk pregnancies as well as the fetuses are given attention by medically and surgically managing the condition involved. Its main goal is to lessen the number of cases of death and the...

It is certainly possible for a parent to sign a deed transferring complete title of the parent's home to a child. However, the parent should be very sure he or she understands the ramifications of signing such a deed. First of all, this is a taxable gift. However, in most states there is no state gift tax to worry about, and if your total gifts during life will never exceed $1 million, you'll have no federal gift tax to worry about, either. Second, and more importantly, you no longer own the house. That means that you're at the mercy of your child who now owns it. But you're not worried about your child kicking you out, you say? That's not necessarily the issue. What you should be concerned about is...

There are a few things you can do using Medicaid planning to rearrange finances and legally shelter your assets from the state. The strategies can be very complicated so you may want to consult an elder law attorney to help you with the specifics. You would be accomplishing a few goals in Medicaid planning including: 1. Sheltering countable assets 2. Preserving assets for your heirs 3. Providing for your healthy spouse Lets examine each strategy in detail Sheltering your countable assets: The total value of your countable assets(including your income), determine whether you are eligible for Medicaid. Under federal guidelines, each state has a list of exempt assets. This list usually includes items...

You've probably gotten a postcard or seen an ad for a seminar on "Living Trusts" and all the benefits they supposedly offer you. Basically, a Living Trust is a trust you create and fund during your life and which you retain the ability to change and revoke at any time. They have their place and can be quite useful, in the right circumstances, but the question of today is whether they are useful if you may be applying for Medicaid. The problem with Living Trusts for someone applying for Medicaid is that everything titled in the name of the Living Trust is considered an available asset, even if it was exempt outside of the Living Trust. For instance, your home is exempt (up to $500,000), but if you...

Over the last ten to fifteen years, much has been written about the Revocable Living Trust by estate and financial planners, some of which has been factually accurate and some of which has been purely fictional. By most accounts the Living Trust was first heavily promoted by estate planners in California where the cost of probate and the length of time involved in probating a Last Will and Testament has been described as onerous. However, as a result of extensive promotion, its popularity has spread eastward over the last five years. Although it has not been widely embraced by attorneys in New York, its use as an estate planning tool has increased in popularity. WHAT IS A REVOCABLE LIVING TRUST? A...

Reverse Mortgages (Home Equity Conversion Mortgages) have become a popular and well respected way for seniors to access the equity in their homes for many reasons. Some use the equity for long-term care needs, to pay bills, pay off existing mortgages or debt, pay for prescription drug costs, home improvements, home modifications, or to simply be able to enjoy life a little more by traveling and enhancing their retirement cash flow. Many seniors use reverse mortgages to pay high property tax bills, and have even been saved from foreclosure and bankruptcy because they applied for a reverse mortgage. Other seniors use reverse mortgage proceeds to fund advanced estate planning techniques. This includes...

A lot of people are indecisive of getting long term care insurance. Most of them question the importance of long term care insurance and rely on cheaper or economical means of insuring their elderly health. The views are always divided in the pros and cons of LTC. Supporters believe that long term care insurance is an essential financial planning meant to protect their assets saved for the heirs and secure a dignified living in their later years, without the guilt of ruining the family's savings and without running the likelihood of staying in undesirable facility. However, others believe that LTC is constructed mainly for the purpose of taking advantage with one of the most lucrative health care...

1. Avoiding the discussion of alternative living arrangements for your parents. It is important to be proactive concerning this! It is so much easier and less confrontational to start this process early and often. If you start early having discussions about options and choices, you can be much more low key about it. If you wait until after Mom has fallen and broken her hip, the pressure is on and the emotions are high. At that point you are pressed for time to find answers quickly. 2. Being in the dark about your parents financial situation. Know whether or not they have a long term care policy. If so, you should know where it is and make sure it's easily accessible. Also, take some time to read...

Professional Employers Experience Double Digit Increases Again Group health insurance premium renewals are going out and the reports are not encouraging. It's that time of the year when employee leasing companies and professional employers send small business owners their new health rates for the coming year. Employers across the nation are being told what to expect, and it's not exactly what they want to hear. Especially now, when the economy is starting to stabilize. Many of our small business clients who have been relying on their PEO partner to keep their health insurance rates low, are finding out that it's no longer the case. Business owners with some of America's best known and largest human...

You can't afford to be without health insurance in Malibu. Nowadays, it seems like everyone has health insurance on their mind. Everyone has questions. What is the best plan for me? Should I get insurance through a HMO, a PPO, a health plan? What about deductible limits? Where are the trade-offs? One thing is for certain; it sure can be confusing. You see, health insurance rates in Malibu can differ greatly from one person to the next. The typical 25 year-old male may only use their Malibu health insurance policy but once or twice a year, if that. In this case, the most affordable health insurance plan would probably consist of higher co-pays and a lower monthly premium. The flip side of the coin...

Health insurers warned against the Obama administration's reforms. According to them, the premiums from the guaranteed influx of customers complying with the law's individual mandate would not offset the higher medical costs resulting from their being forced to accept patients with pre-existing conditions. Indeed, several major health insurance companies have increased their rates since healthcare reform passed in March. Democrats in Congress have sternly told insurers that purposely increasing rates ahead of the deadlines for rate caps is strictly verboten. It remains to be seen if recent increases would be considered justified. Said increases include a 29% jump in health insurance rates for Humana...

You can lower your rates by staying away from alcoholic beverages. Heavy drinking makes you a bad risk and therefore gets you higher health insurance rates. You well know that a lot of diseases can be traced to heavy drinking. What quantity of alcohol can you take without dire consequences? I can't really say as there are people who can take a bottle of dry gin and still be okay while some will take just half a glass and things start going wrong. What I do know is that avoiding drinking totally is very safe. If you can't stay away totally, drink responsibly if you want to reduce your risk and get more affordable health insurance rates. It's just that for most people drinking responsibly is even more...

Are you needing Dental Insurance For Low Income Individuals?  Many websites provide free health insurance quotes to compare policies from different providers.  To get the best health insurance deals on the internet from reputable companies, go here. It's not a very good idea to go on without having health insurance coverage.  Many times injuries and illnesses occur when you least expect them.  Acquiring health insurance isn't cheap by any standards and expenses can add up rather fast. Not having health insurance can mean a financial wipe out if an unexpected accident or ailments should come up.  It's vital to acquire economical health coverage since medical assistance is overpriced. Various...

Boy...are you in trouble! I hear you have to find health insurance for yourself and your family. And you don't have a clue where to start, what to look for or who to ask. Well, join the thousands of consumers that are in the same boat (I'll refrain from any more puns). Here's the good news. You live in Ohio, so your Ohio health insurance rates will be fairly low compared to most states. In addition, there's a wide variety of plans to choose from. Oh. I get it. There's TOO many plans. They all look similar. And the guy from New Jersey tells you buy his plan and the telemarketer from Florida say she'll tell you which plan is the best...AFTER you give him your credit card information. Sheesh! And let's...

For people who are aged 25 or below, health coverage might not be a big issue for them since they are generally in good health and shape. But since we are at risk to diseases while we age, it is important to have a checkup to ensure that we do not have any risk for a serious disease. This is actually more significant in women because having a regular checkup can prevent diseases such as breast cancer. For this reason, getting an insurance is a good decision, even if you are very healthy. Although not too many are keen on that idea since they cost a lot of money. There are health insurance companies which can offer a similar coverage to the expensive ones but at a much lower rate. Because of this, it...

People who run home businesses are given a great opportunity to save on health insurance by many states. States that offer this opportunity have laws that demand that insurers give home business owners the same rates as they do big businesses. And all it takes for your home business to qualify is just one employee. The good part is that the employee could be your spouse or grown kid. Furthermore, you'll still be eligible if that single employee works only part time. Group health insurance rates are usually cheaper so do your best to take advantage of this if you're a home business owner. To know if your state offers such or if your home business qualifies, contact your state's department of...

Who says that health insurance is tailored for those who have the means to pay for it? Now, there's such a thing as affordable health insurance unemployed. In fact, you will find a lot of options in this type of health plan even if you don't have a job. You can check on individual health insurance rates using various online and local venues. So if you're unemployed at the moment, there's no reason to worry about that anymore. You can still enjoy the health benefits that you had when you were still employed. Here are your options. See what COBRA has in store for you. This Act which was launched in 1985, made it possible for unemployed individuals to enjoy the same health benefits they had with their...

As they're searching for individual health insurance people face some of the same roadblocks as other Americans. Sometimes these blocks are movable; other times, they're not. Pre-Existing Health Conditions More than ever, people need health coverage when they're sick. Sadly, some pre-existing health conditions can affect medical coverage premiums. If you are having trouble finding or affording individual health insurance get online for cheaper health insurance for people with pre exisitng conditions. AgeAging is an irreversible part of life and, unfortunately, getting older sometimes affects the rates of individual health insurance. People can try to counteract this adverse affect on medical...

As a small business owner in Massachusetts with 2 to 50 employees, you can get a group rate on your health insurance and save money on your and your employees insurance premiums. Here's how small business health insurance works, and where you can get small business health insurance in Massachusetts at a discount rate. Benefits of Small Business Health Insurance With small business health insurance you and your employees pay lower premiums than you would with individual health insurance. You also get more extensive coverage, plus you get tax deduction for any health insurance contributions you make. How Small Business Health Insurance Works Health insurance rates and health insurance coverage are...

p>Florida residents that are self employed and looking for health insurance have a number of options available to them. Be aware that depending upon your health, your age, and other factors unique to your particular situation there is no hard and fast rule as to which option is best for you. However, there are some general guidelines that will help you make the best Florida self employed health insurance decision. The first Florida health insurance option available to the self employed is to simply apply for an individual health insurance policy. The benefit to applying for an individual health insurance policy is that individual health insurance rates in Florida are very competitive. The downside...

The health insurance market is massive and can be a very confusing place sometimes. There are so many different plans available and it seems that you could spend as much as you want on ensuring coverage for yourself and your family. As we get older, one of our main priorities is often an affordable senior health insurance plan. With the increase in companies who deal only via the internet, one of the best places to start looking is with one of the well stocked search engines that are available. You may think that anyone looking for an affordable senior health insurance plan would not be up to date with technology. This, it would seem, is not the case. A study carried out in California has reported...

According to statistics from the Oregon Department of Insurance, more than half the people in Oregon either cannot afford health insurance or find paying for health insurance a hardship each month. For almost a quarter of all people who have health insurance, their premiums eat up almost twenty-five percent of their monthly spendable income. This means finding affordable Health Insurance is a necessity for tens of thousands of Oregon families. The best way for many families to begin their search for affordable health insurance in Oregon is online. Many sites exist which allow consumers to directly compare health plans from a multitude of insurance companies side-by-side. But no matter which plan...

Do you ever feel like you know just enough about Health Insurance to be dangerous? Let's see if we can fill in some of the gaps with the latest info from Health Insurance experts. Health insurance is something that most people don't think about very often and yet it is something that when comes foremost to mind when a loved one is sick. Health Insurance coverage varies across the world, even across the different states in the United States of America. Health insurance is a very specific type of insurance. With this type of insurance the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a...

Supporters of healthcare reform claim that it will make insurance more affordable, especially for individuals and small groups. Increased consumer protection and newly-created exchange markets would presumably allow smaller businesses to band together for cheaper rates. That would allow them to better compete with large corporations, who are able to use their buying power to decrease their health insurance costs. However, the results may not be so bright. Some examples from Massachusetts, which enacted its own legislation several years ago, are beginning to become apparent. They highlight the downside of affordable health insurance reform for small business owners. The national law gives the federal...

Salt River Project could see as many as half its employees walk off the job if the Arizona utility can’t work out a new labor contract for hourly workers. The International Brotherhood of Electrical Workers Local 266 has turned down two contracts offered by SRP management. IBEW attorney Jim Abdo said the biggest stumbling block is health insurance costs. The current contract, which expired Nov. 15 and is operating under its second extension, has SRP covering 100 percent of employee health insurance costs, but the new offer calls for workers to pay as much as 25 percent via premiums. Abdo would not go into specifics about how much SRP’s health plan would cost each worker. SRP spokesman Jeff Lane...

Sometimes insurance almost seems like a waste of money. You pay for insurance. For a long time, you may not see anything in return. But if you think that you can live without insurance, you should reconsider. A lot of debt in a very short amount of time can be accrued if you experience a catastrophic medical incident like an accident or a major illness that needs hospitalization. Medical bill for thousands of dollars can being starred. Typically small business is defined as businesses which have 2-50 employees. As small business, one of the major financial burdens is health insurance costs. Health Insurance Coverage for employees is not required to be provided by small business owners. But if the...

Many Americans choose to work part-time jobs for a variety of reasons. Perhaps you've just enrolled in college and have chosen to attend college full-time and work part-time in order to graduate sooner. Maybe you've chosen to work part-time in order to devote more time to your home business. Maybe you've decided to work part-time in order to spend more time with your children. Perhaps you've opted to work a few part-time jobs instead of one full-time job because you like the diversity or you just can't find a full-time job for which you're qualified or enjoy. See? There are so many reasons American choose to work part-time jobs. Despite the perks part-time jobs offer, there are some downfalls...

It's become increasingly more and more difficult to find affordable health insurance quotes online for an individual or family. The quotes themselves are usually free, but the quote itself is what I'm referring to. I was just speaking to a family member earlier today and he's a school teacher that is, due to circumstances beyond his control, planning on changing jobs soon, but he's already paying around $800 per month for health insurance for a family of five and he's afraid that he may end up in a worse situation before all is said and done. Unfortunately, he lives in a very rural town that's about an hour away from the nearest big city. Insurance rates tend to be higher in or not as readily...

Health is wealth. This is one side of the coin. The other side is that you need wealth to recover from bad health. No one can foresee an illness and sudden medical emergencies. A person finds himself/herself in deep waters when such a contingency arises. This is because medical bills are exorbitant and paying them without insurance is next to impossible for most people. Prescription drugs, hospital bills, maternity care, etc involve considerable monetary expenditures. Many people who did not take insurance for a rainy day have landed in debt due to improper health care management. Uninsured medical care can not only be financially taxing but may also spell doom in a family. This is the reason why...

One of the biggest financial risks that people can take these days is to go without health insurance. Many people find the astronomical costs of purchasing individual health insurance simply impossible to afford, leading many to abandon the search and go without this all-important piece of their personal financial picture. Many reports have shown that the biggest reason for personal bankruptcies in the United States is medical expenses. With such a large risk, it's vital to thoroughly understand the issue, and exhaust all possible avenues of cost savings, before deciding to skip coverage altogether. Although most people think solely of traditional plans when they hear the words "health insurance...

It is NOT difficult to get very affordable health insurance quotes and pay a lot less for adequate coverage the moment you understand what to do. This article will show you things you can do if you want to attract cheap rates without compromising the level of coverage you get... 1. Your premiums may be tax-deductible if you're self employed. You may also get a tax break if your employer offers a flexible spending account. Consult a tax professional. He/she will tell if you can or can't make savings this way. 2. You can get considerable discounts if you get your health insurance policy from the same insurer that maintains your auto and home insurance. Insurers offer a multi-policy discount to...

Individual health insurance plans are becoming more of a luxury for many people these days because it's just so expensive to buy a private plan. It's even becoming more difficult for a lot of individuals to buy health insurance through their employers because many companies have been forced to drop the benefits because of the expense. So what does a person do when their health insurance costs are sky high? Let's take a look at a few options. #1. The first option would be to buy a "stripped down" policy. This means that you would have the bare minimums as far as coverage. This isn't the safest way to go in the event of long term hospitalization, however, the odds are in your favor that this won't...