What should you know about Cobra health coverage? Cobra is an acronym that stands for Consolidated Omnibus Budget Reconciliation Act. The act was born in 1985 for the benefit of employees who are terminated or laid off. Those employees who are terminated or laid off are eligible to continue with their current insurance plan for at least an 18 month period. In some instances those individuals covered under employer group plans (and are terminated) could benefit from cobra plans for up to 36 months given certain circumstances. These federal COBRA guidelines apply to companies that have twenty or more employees. Cobra timeline eligibility varies by state if the individual works for (is terminated from) an employer with less than twenty employees. Rather than provide the specific number of months that a terminated employee would be eligible for in each state, we will provide the information for Texas. However, additional states information may be found at the cobra health site. Terminated employees who were part of a company with less than twenty employees in Texas would be eligible for at least six months cobra coverage. Therefore, a Texas employee who has been laid off could expect to be eligible for at least 6 months cobra coverage (or the ability to have six months coverage that is equal to his or her current coverage).
Simply being eligible for COBRA health coverage is the first step. Most individuals who seek COBRA solutions are alarmed when they find that their health insurance cost has increased under COBRA. The popular misconception is that COBRA is expensive. COBRA itself is not expensive at all. In fact, COBRA is merely an extension of an individuals current insurance coverage plan cost. The difference is that when an individual is terminated or laid off, the employer is no longer liable or likely to cover the part of the insurance expense that the employer had been covering. For the sake of clarity we’ll provide an example: An individual has been employed by abc employer and unfortunately is terminated. The employer has thirty five employees and offers a group health insurance plan which the employer pays fifty percent of the insurance cost ($200 is paid by the employee for insurance and $200 is paid by the employer). The terminated employee should be eligible for at least 18 months COBRA care. However, since the employer has laid off the employee the employer is no longer likely (nor required) to cover the cost to insure (or the fifty percent that the employer had been covering). Even though the federal government has provided the opportunity to receive COBRA benefits of at least 18 months, the laid off COBRA beneficiary will see his insurance cost go from $200 per month to $400 per month. There is no worse time to have increased expenses than when an individual has lost his income!
There are additional alternatives. When asked about COBRA, most individual’s response is “COBRA is expensive”. As we’ve discussed in this article, it’s not that COBRA is expensive but it is the fact that the terminated individual must assume the portion of the employer’s payment. Many times there are more inexpensive options by purchasing an individual health care plan. Individual health care plans are based on the health history of the individual vs. the health of a group (generally, group health plans are more expensive than an individual health care plan because the premiums are based on general health of a group). Unfortunately, when an individual has been laid off, he or she is focusing on finding that “new job” and has little time to shop for individual health plans. However, with unemployment numbers being at all time highs, the length of time that individuals are unemployed or underemployed has extended. That being the case, it would be prudent to spend time comparing individual health care plans vs. the COBRA options available.
For more information regarding affordable health insurance for the unemployed, see the affordable health insurance unemployed article at the Texas low cost health insurance site. The savings could be substantial or your situation may make the COBRA option better. In any case, it’s always better to be informed.
http://www.texaslowcosthealthinsurance.com
NEW FEATURES (as of March 2010) – EatSmart “Step-On” technology allows you to simply step on the scale and get your weights. No more tapping to activate the scale! Increased capacity to 400 pounds with the same precision and repeatability that makes our products great!
The EatSmart Bathroom Scale is the ideal way to track your weight loss quickly and easily. Simply step on, and in seconds you’ll have an accurate readout to the nearest .2 lbs on the EatSmart’s oversized 3.5″ LCD display. With EatSmart’s proprietary new “step-on” technology there is no more tapping to turn the scale on!!! The LCD display also contains a cool-blue backlight, allowing for easy viewing even in the most low light areas of the bathroom or home.
The EatSmart Digital Bathroom Scale is also not only easy to use but also extremely accurate, engineered to the highest precision standards. The four high-gauge EatSmart precision sensors ensure that you will get an accurate measurement every time (just read our reviews!). Additionally the slim, tempered glass design fits perfectly into any surroundings and large non-slip platform safely allows weights to 400 lbs.
Along with your EatSmart digital scale you also receive our easy instruction guide and 4 AAA batteries.
Stop guessing your weight and get serious about your weight loss and fitness goals. Get yours today!
100% EatSmart Guaranteed Product Satisfaction. Customer satisfaction is our highest priority. Contact us via phone or email anytime for support with our products.
Bounty Huge Roll Select-A-Size, White
The EatSmart Precision Plus Digital Bathroom Scale is the ideal way to track your weight loss. This user-friendly scale features “Step-On” technology to give you quick, easy-to-understand results–four precision sensors provide an accurate measurement each time you step onto the scale’s silver-toned non-slip platform. Whether you’re a personal trainer or just trying to get back in shape, this EatSmart scale is an affordable solution for keeping up with weight management goals.
|
 Proprietary EatSmart “Step-On” technology allows you to activate and auto-calibrate the scale instantly. View larger. |
 The Precision Plus scale features a large, 4.3-inch LCD screen. View larger. |
Four Precision Sensors Ensure Accuracy
Easy to use and extremely accurate, the EatSmart Precision Plus Scale is engineered to meet the highest accuracy standards. Its four high-gauge Precision G sensors provide accurate measurements up to 440 pounds/200 kilograms, making this model an ideal choice for families. Its non-slip surface ensures every member of your family–from a 50-pound-child to a 440-pound adult–can safely use this accurate scale. This EatSmart scale is consistently reliable and provides the motivation you need to help keep yourself on track and meet your health goals.
“Step-On” Technology Weighs Instantly
The EatSmart Precision Plus Scale’s proprietary “Step-On” technology features easy-to-use activation software that gives you an accurate readout of your weight to the nearest 0.2 pound. To operate, simply step on the scale and see your reading in seconds.
With EatSmart “Step-On” technology, there’s no need to tap and wait for the scale to calibrate. Just lay your scale on a hard, flat surface and step on. Within seconds, you’ll see your weight displayed. Once you’re done, the scale activates an auto power-off feature to preserve the battery.
Sleek and Stylish Design
Designed to accent any interior environment, this scale features a wide, lightweight aluminum base accented with a gray, non-slip plastic cover for user safety. The EatSmart scale adds a modern look to any bathroom. Its large, 4.3-inch LCD screen is illuminated by a cool blue backlight for easy viewing–even in the most dimly lit areas.
Customer Testimonial
“This scale is a great bargain for the price. It has every feature that was important to me. Love the wide platform for ease in getting on and off the scale, the fact that it comes on instantly when stepped on instead of being tapped on, and the big bright display is so easy to read. Thrilled with my purchase, and would highly recommend this product.” — Holly Jo (VA)
“It’s weird how little things make a big difference when you are on a diet. My husband got me this scale as a motivator (I was doing infrequent weighings at the gym) and boy has it done the trick. It’s pretty, has a wide platform and is easy to read. But the only thing I really care about is the fact that it’s accurate and consistent. Have never questioned one weight I have gotten. Awesome product.” — Snuggie Love 2010 (VA)
The EatSmart Precision Plus Digital Bathroom Scale comes with a manufacture’s limited two-year warranty.
What’s in the Box
Eatsmart Precision Plus Digital Bathroom Scale, Instruction manual, two AAA batteries
 |
 Precision Digital |
 Precision Premium |
 Precision Plus |
| Summary | EatSmart precision design and accuracy on a budget. | Thin profile and sophisticated look. Four EatSmart high- precision sensors for superior accuracy. |
Wide, non-slip platform and 440-pound capacity lets the whole family safely use this scale. |
| Placement | Hard, level floor | Hard, level floor | Hard, level floor |
| Measurement Units | Pounds/Kilos/Stones | Pounds/Kilos | Pounds/Kilos |
| Max. Weight | 400 pounds 180 kilograms |
400 pounds 180 kilograms |
440 pounds 200 kilograms |
| Graduation | 0.2 pounds | 0.2 pounds | 0.2 pounds |
| Platform Width | 12 inches (Tempered glass) |
12 inches (Aluminum / Plastic) |
15 inches (Tempered glass) |
| Display Size | 3.5 inches (diagonally) |
3.5 inches (diagonally) |
4.3 inches (diagonally) |
| Backlight | Yes (Cool Blue) |
Yes (Cool Blue) |
Yes (Cool Blue) |
| Batteries | Four “AAA” (included) |
Four “AAA” (included) |
Two “AAA” (included) |
| Warranty | Two years | Two years | Two years |
Indigo Ocean Dreams is a 60 minute audio/CD designed to entertain your child in an ocean setting while introducing them to four research-based, stress management techniques. Each story integrates either progressive muscular relaxation, visualizations, breathing, and affirmations (positive statements). Children follow their sea friends along as they use progressive muscular relaxation and breathing to release and manage anger with Angry Octopus. Children build self-esteem with positive believe in yourself statements with Affirmation Weaver. Diaphragmatic breathing is fun with sea otters in Sea Otter Cove. Children enjoy a bubble ride through the ocean as they visualize colors with Bubble Riding. This CD offers longer stories than the first in this series, Indigo Dreams. Ideal for older children ages 6-12, or as step two for those already familiar with Indigo Dreams. Engaging characters present these adult level techniques in an easy to follow format that makes it fun for any child to learn. The male narration is accompanied by calming sounds of dolphins, sea otters, and gentle waves. An additional music sound track is included to further enhance your child’s relaxation experience. These proven techniques encourage wellness and provide tools for children who suffer from anxiety, stress, trauma, hyperactivity, anger, pain, sleep issues, and lack of confidence.
Start! Walking with Leslie Sansone 1 & 2 Mile Walk
Start your weight loss journey with a walk at home program!
ExerciseTV and Leslie Sansone’s Walk at Home, in cooperation with the American Heart Association have produced an in-home walking workout that will put you on the path to achieving good heart health!
If you’re new to exercising, begin with the gentle-paced, 20 minute – 1 Mile – beginner program. Leslie will teach you how to increase your heart rate with low impact moves that are safe and easy for beginners. When you’re ready, move on to the intermediate 30 minute – 2 Mile – Brisk Walk. In this workout you’ll start to pick up the pace and work to increase your heart rate and maintain your cardio for a full 30 minutes.
Walking is the single most effective form of physical activity and helps to improve your circulation; reduce stress; improve muscle tone and lower cholesterol and blood pressure. And now you can do it at home … so get moving and Start! Walking!
This product is manufactured on demand using DVD-R recordable media. Amazon.com’s standard return policy will apply.
What else would you like to see us write about? Please drop us a line in the comments but don’t SPAM
0 responses so far ↓
There are no comments yet...Kick things off by filling out the form below.
Leave a Comment