#each exam costs 65$

[shuandy]

Academic procrastination

Academic procrastination is a prominent phenomenon among col- lege students. It often refers to unnecessarily postponing the initiation or completion of academic tasks such as doing assignments or preparing for exams despite the awareness of the negative consequences for such delay (Cheng & Xie, 2021).

Studies showed that more than 70% of undergraduate students reported engaging in procrastination on a regular basis (Schraw, Wadkins, & Olafson, 2007). Research has also suggested that procrastination is harmful to and never benefi- cial for students’ academic achievement (Kim & Seo, 2015; Steel, 2007). Students’ irrational postponement of their course work can become even more pervasive and prevalent in online learning environments.

For example, Leasure, Davis, and Thievon (2000) reported that the reasons college nursing students preferred conventional courses over distance education were the decreased tendency to procrastinate and the increased opportunity to interact and obtain immediate feedback. Given the maladaptive nature of procrastination and an increasing number of college students enrolling in online courses each year (National Center for Educational Statistics, 2018), understanding the mechanism of academic procrastination in online learning environments is urgently needed.

In summary, college students’ unnecessary delay in online courses was indirectly related to external factors, including perceived content relevance and technology usability, and directly related to internal factors, including conscientiousness, task value, and emotional cost.

Because my target audience is college students in Generation Z. For college students, procrastination is most prevalent in academic procrastination. So I narrowed down my search and focused on academic procrastination related to college students.

References

Cheng, S.-L., & Xie, K. (2021). Why college students procrastinate in online courses: A self-regulated learning perspective. The Internet and Higher Education, 50, 100807–. https://doi.org/10.1016/j.iheduc.2021.100807

Kim, K. R., & Seo, E. H. (2015). The relationship between procrastination and academic performance: A meta-analysis. Personality and Individual Differences, 82, 26–33. https://doi.org/10.1016/j.paid.2015.02.038

Leasure, A. R., Davis, L., & Thievon, S. L. (2000). Comparison of student outcomes and preferences in a traditional vs. World Wide Web-based baccalaureate nursing research course. Journal of Nursing Education, 39(4), 149–154.

National Center for Educational Statistics. (2018). Number and percentage of undergraduate students enrolled in distance education or online classes and degree programs, by selected characteristics: Selected years, 2003–04 through 2015–16.Digest of Education Statistics. https://nces.ed.gov/programs/digest/d18/tables/dt18_311.22.asp

Schraw, G., Wadkins, T., & Olafson, L. (2007). Doing the things we do: A grounded theory of academic procrastination. Journal of Educational Psychology, 99(1), 12–25. https://doi.org/10.1037/0022-0663.99.1.12

Steel, P. (2007). The nature of procrastination: A meta-analytic and theoretical review of quintessential self-regulatory failure. Psychological Bulletin, 133(1), 65–94. https:// doi.org/10.1037/0033-2909.133.1.65

[mbabtechadmissionexpert]

Universal AI University Mumbai: Fees Structure, Placement & Recruiters, Scholarships, Courses, and Selection Criteria

Universal AI University Mumbai is a renowned institution specializing in artificial intelligence (AI) and cutting-edge technology education. It offers world-class learning opportunities, ensuring students are well-prepared for future technological challenges. In this article, we’ll cover the university's fees structure, placement opportunities and top recruiters, scholarships, courses offered, and the selection criteria that you need to meet to secure admission.

Fees Structure:

The fees at Universal AI University Mumbai are competitive, reflecting the high-quality education and state-of-the-art resources offered. The average fees for undergraduate programs range between INR 5 lakhs to 8 lakhs per year, depending on the specific course. Postgraduate programs tend to cost between INR 7 lakhs to 10 lakhs annually. These fees cover tuition, access to AI labs, and participation in research projects.

The university also offers installment plans to ease the payment burden for students, ensuring greater access to education without financial stress.

Placement & Recruiters:

Universal AI University Mumbai boasts an impressive placement record. The average placement package is around INR 12 lakhs per annum, with top-performing students receiving offers upwards of INR 18-20 lakhs. The placement rate stands at 90%, with numerous companies recruiting students each year.

Top recruiters include:

Google

Microsoft

TCS

Infosys

IBM

Capgemini

Accenture

NVIDIA

Students are placed in diverse roles such as AI engineers, data scientists, machine learning specialists, and AI consultants.

Scholarships:

Universal AI University offers scholarships to deserving students based on merit, financial need, and diversity. Scholarships range from 25% to 100% tuition fee waivers, helping reduce the financial burden for eligible candidates. The most notable scholarships include:

Merit-Based Scholarships: Awarded to students with outstanding academic records.

Need-Based Scholarships: Provided to students from economically weaker sections.

Diversity Scholarships: Given to students from underrepresented communities.

To apply for scholarships, students need to submit relevant documents, including academic transcripts and financial status proof, along with their application.

Courses Offered:

Universal AI University Mumbai offers a wide variety of AI-focused programs at both undergraduate and postgraduate levels:

B.Sc. in Artificial Intelligence

B.Tech in AI and Machine Learning

M.Tech in Artificial Intelligence

Ph.D. in Artificial Intelligence

In addition, the university also provides certificate programs in AI and related technologies such as data science, robotics, and deep learning. These courses are designed with a practical approach, ensuring students acquire hands-on experience in AI technologies.

Selection Criteria:

Admission to Universal AI University Mumbai is competitive, and the selection criteria include:

Academic Performance: Applicants must have a strong academic background, with a minimum of 60% in their 12th-grade exams for undergraduate programs. For postgraduate programs, a bachelor's degree in a relevant field with at least 65% marks is required.

Entrance Exam: Candidates must clear the university's entrance exam or submit their scores from recognized exams like JEE, GATE, or CAT, depending on the program they are applying for.

Personal Interview: Shortlisted candidates are invited for a personal interview to assess their technical knowledge, motivation, and suitability for the course.

Statement of Purpose (SOP): Applicants must submit a well-written SOP, outlining their goals and why they wish to pursue a career in AI.

Universal AI University Mumbai is a hub for AI enthusiasts looking to advance their skills and make a mark in the ever-evolving world of artificial intelligence. Its comprehensive curriculum, world-class faculty, and exceptional placement record make it a top choice for aspiring AI professionals.

[soupsopsoap]

Uhhhhhhhhh episode five season who cares I see a chart we're going to analyze it the English spellings are small and in a weird font so bear with me, and in case my mom ever finds this we will be doing family names first so she doesn't have any reason to believe I don't listen to her monologues about how cool it was to live in Japan

Ok, First place is Bakugo aka bully boy, with 77 villain (robot killing) points, and 0 rescue (saving people points). 100 % villan, 0% rescue. Obviously he was just blowing up robots (edit: about 38.5 robots)

Second place, Kirishima Eijiro, 39 v, 35 r, 74 total. 53% v, 47% r. So whats interesting about this is we see Midoriya save people through destroying a robot, and then being graded by a panel of judges based off of that save, which gives interesting context to this data. First of all, assuming they (Kirishima) killed an equal number of each robot, that would put them at 6.5ish robots each point level, or about 19.5 robots total, (this putting Bakugo at about 38.5 robots) So even though Kirishima killed half as many robots as Bakugo, they still either preformed a large amount of small scale rescues for a few points each, or some larger rescues, for more over all points; in total putting them at only 3 less points. What's interesting about this, is the judge panel, which seems to have been scoring rescues on a scale of 1 to 10, meaning one more rescue could have put Kirishima as top performer in the exam, while one rescue on Bakugo's part could have put him in a much firmer lead. Of course, it could also be possible that the score of 1-10 from multiple judges determines whether or not each person rescued counts as one point, which I find unlikely given the time limit. Unless you think Kirishima could have some how saved 35 people and killed 19.5 robots, in like ten minutes, but I digress. Final count: 39/53% v, 35/47% r, 74 t, aprox. 19.5 robots.

3rd, Uraraka Ochaco. 28 v, 45 r, 73 t. 38% v, 62% r. 14ish robots. Also very close to Bakugo, and only one point difference from second place. Seeing as she was trapped under rubble for the final few minutes of the exam, she easily could have made up those four points given more time, though she may not have been in a position to save Midoriya, which likely would have cost her significantly. Final count 28/38% v, 45/62% r, 73 t, aprox 14 robots.

4, Shiozaki Ibara, 36 v, 32 r, 68 t. 53% v, 47 % r, 18ish rbts. Almost equal percentages for v/r points as Kirishima (percents have been rounded to nearest whole number for clarity), as well as destroying almost as many robots. Shiozaki has 5 less points than Uraraka, being the largest jump we've seen so far, though not by much. Final 36/53% v, 32/47% r, 68 t, aprox 18 robots.

Fifth place, Kendo Itsuka, with 25 v, 40 r, and 65 total. 38% v, 62% r, 12.5ish rbts. Like Kirishima and Shiozaki, Uraraka and Kendo had almost identical percentages, with the same gap in estimated robot kills. Kendo and Shiozaki also had the same gap between ranks as Bakugo and Kirishima, with only 3 points. Final: 25/38% v, 40/62% r, 65 t, aprox 12.5 rbts.

6th, Iida Tenya, aka class president who wants to kill a man (cpwwtkam). 52 v, 9 r, 61 t, we can clearly see the beginning of his cpwwtkam arc here, as with Bakugo and Midoriya's literary foils to one another incidentally gives us the clear data of more violent = more villain points, making Iida the second most violent person of the top ten, although his 9 rescue points would suggest he has never physically threated a class mate, or told them to commit suicide, no, I have not forgotten that, bully boy bakugo. Moving on, Iida has 85% v, and 15% r, with 26ish rbts. Final: 52/85% v, 9/15% r, 61 t, and aprox 26 rbts.

7th, Midoriya Izuku. 0 v, 60 r. 0% v, 100% r. technically did kill a robot. Final: 0/0% v, 60/100% r, 60 t, Exactly 1 rbt.

Eighth place, Tetsu x4. 49 v, 10 r, 59 t. 83% v, 17% r, 24.5ish rbts. Why did they name them like that. Total: 49/83% v, 10/17% r, 59 t, aprox 24.5 rbts.

Ninth, Tokoyami Fumikage. 47 v, 10 r, 57 t. 82% v, 18% r, 23.5ish rbts. What's interesting about this is that the further down the chart we go, the higher the percent of villain points (Bakugo and Midoriya not included). 47/82% v, 10/18% r, 57 t, aprox 23.5.

10th place, Awase Yosetsu. 50 v, 6 r, 56 t. 89% v, 11% r, 25ish rbts. idk, what can i even say that i havent already. 50/89% v, 6/11% r, 56 t, aprox 25 rbts.

Well, that was fun. Uhhhhh anyway this was part one of episode five season one, part two will be graphs based off of this data, and part three will... be the episode. So glad we got this one and only chart in the show out of the way, this took forever.

[samaira132187]

Mastering the SAT 2024: Fees, Structure, Eligibility, and Expert Tips | MSM Unify

The SAT exam remains a pivotal milestone for students aspiring to pursue higher education in the United States and other institutions worldwide. As the SAT 2024 approaches, it's essential to stay informed about the latest updates regarding fees, exam patterns, eligibility criteria, and effective preparation strategies. MSM Unify brings you a comprehensive guide to help you navigate the SAT 2024 with confidence and clarity.

1. Introduction to SAT 2024

The Scholastic Assessment Test (SAT) is a standardized exam widely used for college admissions in the United States. Administered by the College Board, the SAT assesses a student's readiness for college by evaluating their skills in reading, writing, and mathematics. With thousands of students worldwide taking the SAT each year, understanding the intricacies of the SAT 2024 is crucial for achieving a competitive score.

2. SAT 2024 Fees

Understanding the cost associated with taking the SAT is essential for planning your academic journey. Here's a breakdown of the typical fees for SAT 2024:

Standard Registration Fee: $60

SAT with Essay (if available): Additional $20

Late Registration Fee: $30

Change Fee (for test date or center changes): $30

Score Report Fee: $12 per report

Additional Services:

Discontinued test center fee: Varies

Special accommodations: Fees may apply based on requirements

Fee Waivers: Eligible students from low-income families can apply for SAT fee waivers, which cover the cost of the test, sending score reports, and additional services. To qualify, students typically need to meet specific criteria related to household income and participation in certain government assistance programs.

3. SAT 2024 Exam Pattern

The SAT 2024 follows a standardized format designed to assess a range of academic skills. Below is an overview of the current SAT structure:

a. Total Duration:

Without Essay: 3 hours

With Essay: 3 hours and 50 minutes

b. Sections:

Reading

Number of Questions: 52

Time: 65 minutes

Description: Comprehension and reasoning skills based on provided passages from literature, historical documents, social sciences, and natural sciences.

Writing and Language

Number of Questions: 44

Time: 35 minutes

Description: Grammar, punctuation, sentence structure, and rhetorical skills through multiple-choice questions.

Math

No Calculator Section:

Number of Questions: 20

Time: 25 minutes

Calculator Section:

Number of Questions: 38

Time: 55 minutes

Description: Covers algebra, problem-solving, data analysis, advanced math topics, and some trigonometry.

Essay (Optional)

Number of Tasks: 1

Time: 50 minutes

Description: Analyze a provided argument, evaluating how the author builds their case using evidence, reasoning, and stylistic elements.

c. Scoring:

Each section (Reading, Writing and Language, Math): Scored on a scale of 200-800

Total Score: 400-1600

Essay: Scored separately on a scale of 2-8 in three dimensions (Reading, Analysis, and Writing)

4. SAT 2024 Eligibility Criteria

The SAT is designed to assess high school students aiming to pursue undergraduate studies. Here are the general eligibility guidelines:

Educational Background: Typically taken by students in their junior or senior year of high school.

Age Requirements: No specific age restrictions; however, most test-takers are between 16 and 18 years old.

Prerequisites: No formal prerequisites, but a strong foundation in English and Mathematics is recommended.

International Students: The SAT is open to students worldwide, facilitating admissions to U.S. colleges and other partner institutions.

Note: While there are no strict eligibility criteria, it's advisable to consult the specific requirements of the colleges or universities you intend to apply to, as some institutions may have additional prerequisites or recommended scores.

5. Tips for Excelling in SAT 2024

Achieving a high score on the SAT requires strategic preparation and effective test-taking strategies. Here are some expert tips to help you succeed:

a. Understand the Format and Timing

Familiarize yourself with the structure of each section.

Practice managing your time efficiently to ensure you can complete all questions within the allotted time.

b. Develop Strong Reading Skills

Enhance your reading comprehension by regularly reading diverse materials, such as articles, literature, and scientific journals.

Practice summarizing passages and identifying main ideas and supporting details.

c. Master Grammar and Writing

Review fundamental grammar rules, including subject-verb agreement, punctuation, and sentence structure.

Practice editing and improving sentences for clarity and conciseness.

d. Strengthen Mathematical Foundations

Focus on key math concepts, including algebra, geometry, statistics, and basic trigonometry.

Solve a variety of math problems to build confidence and adaptability.

e. Take Practice Tests

Regularly take full-length practice exams under timed conditions to build stamina and identify areas for improvement.

Review your mistakes to understand where you need to focus your studies.

f. Utilize Official Resources

Use official SAT practice materials provided by the College Board, as they offer the most accurate representation of the test.

Consider enrolling in SAT prep courses or seeking guidance from tutors if needed.

g. Develop Test-Taking Strategies

Learn to eliminate incorrect answer choices to increase your chances of selecting the right answer.

Practice guessing strategically when unsure, as there is no penalty for wrong answers on the SAT.

h. Take Care of Your Well-being

Ensure you get adequate sleep, especially in the weeks leading up to the exam.

Maintain a balanced diet and stay hydrated to keep your mind sharp during study sessions and on test day.

6. Registration Process for SAT 2024

Registering for the SAT is a straightforward process. Here’s a step-by-step guide:

Create a College Board Account:

Visit the College Board website and create an account if you don’t already have one.

Choose Your Test Date and Center:

Select a convenient test date and locate a testing center near you. SAT 2024 is typically offered multiple times throughout the year, with major testing dates in March, May, June, August, October, November, and December.

Complete the Registration Form:

Fill out the necessary personal and academic information accurately.

Pay the Fees:

Submit the required registration fee using a credit or debit card. If you qualify for a fee waiver, ensure you apply accordingly.

Confirm Your Registration:

Review all information for accuracy and submit your registration. You will receive a confirmation email with your test details.

7. Important Dates for SAT 2024

While specific dates for SAT 2024 may vary, the College Board typically offers the SAT multiple times a year. Here are the expected key dates:

Registration Opens: August 2023 (for a test in March 2024)

Test Dates: Multiple dates from March 2024 to December 2024 (exact dates to be confirmed on the College Board website)

Registration Deadlines: Approximately a month before each test date. Late registration and additional fees may apply.

Score Release Dates: Approximately two to three weeks after the test date.

Note: Always check the official College Board website for the most accurate and updated information regarding SAT 2024 dates and deadlines.

8. Accommodations for Test-Takers with Disabilities

The College Board provides accommodations for students with documented disabilities to ensure equal access to the SAT. These accommodations may include:

Extended time

Additional breaks

Alternative test formats (e.g., large print, braille)

Assistive technology

To request accommodations, students must submit documentation and complete the necessary forms by the specified deadlines. It is advisable to begin this process well in advance of the registration deadline.

9. Conclusion

Preparing for the SAT 2024 requires a clear understanding of the exam’s structure, associated fees, eligibility criteria, and effective study strategies. By staying informed and following a disciplined preparation plan, you can enhance your performance and achieve a score that reflects your academic potential. MSM Unify is committed to providing you with the resources and guidance needed to excel in the SAT 2024 and pave the way for your future educational endeavors.

[kccitmblog]

Top MBA colleges in Delhi NCR with fees structure 

The Master of Business Administration is the full version of MBA. The two-year MBA program is a postgraduate degree program that is intended to equip students to study business administration and management principles at all levels, from fundamental to advanced. The MBA program is structured to include both theoretical and practical components. Theory is covered in class and seminars, and candidates are exposed to real-world issues and problems in the workplace through internships and workshops, which prepares them for employment.

Top MBA colleges in Delhi with fees

Given below are some of the MBA colleges in Delhi with fees without CAT:

Eligibility Criteria

If there is no entrance exam, the criteria for direct MBA admission differ from those for examination-based admissions. The accredited MBA colleges in Delhi with fees without CAT have the following prerequisites for MBA eligibility:

An undergraduate GPA of at least 65%, with a 5% relaxation for the protected category

50 % of their undergraduate grades will be awarded to students enrolling in private MBA programs with management quota seats.

For each step of the "direct-ins" selection procedure. Some of the top 10 MBA colleges in Delhi shortlist applicants for direct admission via MBA GD-PI Rounds.

When making admissions decisions, certain universities take into account the outcomes of the MAT, CMAT, NMAT, XAT, and SNAP exams.

Key Requirements for MBA Admission Directly

To prevent misinformation or, even worse, financial fraud, students need to be well-informed about these concerns.

Check to see if the college has received clearance from the AICTE or UGC.

A list of colleges approved by the AICTE and UGC is available.

Avoid using Admission Agents or Consultants if you're searching for the Best MBA institutions in Delhi that don't require CAT. Directly submit your inquiry to colleges.

To find out more about the application process, get in touch with the colleges; at this point, don't listen to anyone who says they can get you into any college or university right away.

Documents Required for Top 10 MBA Colleges in Delhi

Before they may admit a candidate immediately to their MBA or PGDM programs, the MBA colleges in Delhi with fees without CAT require the following documentation for verification:

Transfer Certificate (TC)

Passport Size Photographs

UG Provisional Certificate/ Mark Sheet

Class 12 Certificate

Class 10 Certificate

Proof of Identity

Top MBA colleges in Delhi with fees

In India, the cost of an MBA can range from Rs.26,000 to Rs.27,00,000. Tuition at India's Tier 1 MBA schools, which include MDI, SPJIMR, and IIMs, ranges from Rs.14,00,000 to Rs.27,00,000. Fortunately, there remain plenty of reputable and top MBA colleges in Delhi with fees like FMS Delhi and DFS Delhi, which provide affordable MBA degrees and have a good placement track record. Government MBA courses are reasonably priced, however, the greatest MBA institutions in Noida and throughout India, like ISB, SIBM, XLRI, and others, offer expensive tuition. The amenities on campus, the extracurricular activities offered, and the living circumstances of the residents all affect how much an MBA costs at these universities.

[study-in-australia-consultant]

What are the requirements to study in Australia for Indian students?

Australia, with its world-class universities, vibrant cities, and multicultural environment, is a popular destination for Indian students seeking higher education. If you're an Indian student dreaming of studying in australia, here's a breakdown of the key requirements you'll need to fulfill.

Academic requirements

Educational background: The entry requirements vary depending on the level of study you're pursuing.

For undergraduate programs (Bachelor's degrees), most universities expect a minimum of 60-65% marks in your Class 12 exams.

Postgraduate programs (Master's and Ph.D.) typically require a three-year bachelor's degree with a good academic record.

English Language Proficiency: Demonstrating strong English skills is crucial for academic success in Australia. You'll need to take an internationally recognized English language test like:

IELTS (International English Language Testing System): A minimum score of 6.0-6.5 is generally required, with some universities demanding higher scores for specific programs.

TOEFL (Test of English as a Foreign Language): A minimum score of 60-90 is generally acceptable.

PTE (Pearson Test of English): A score of 50-64 is typically considered competitive.

University application process

Research and shortlist universities: Australia boasts a diverse range of universities, each with its own strengths and specializations. Research universities like the University of Melbourne and Australian National University are known for their research focus, while others excel in specific fields like technology (Queensland University of Technology) or creative industries (RMIT University).

Meet course requirements: Each program has specific entry requirements. Carefully review the course details on university websites, including prerequisites, required documents, and deadlines.

Prepare application documents: This typically includes academic transcripts, standardized test scores, a statement of purpose outlining your educational goals and reasons for choosing the program, letters of recommendation from teachers or professors, and a resume showcasing your skills and achievements.

Apply through online portals: Most universities have online application portals. Ensure you meet all deadlines and submit a complete application package.

Student visa requirements

Obtaining a student visa (Subclass 500) is mandatory for Indian students pursuing full-time studies in Australia. Here's what you'll need:

Offer letter: A confirmation of acceptance from your chosen university.

Confirmation of Enrolment (CoE): This document verifies your enrollment details and is issued by the university after accepting your application.

Genuine Temporary Entrant (GTE) requirement: You'll need to demonstrate genuine intentions to study in Australia and return to India after completing your program. This is typically addressed in your statement of purpose.

Proof of funds: You must show sufficient financial resources to support yourself during your studies. This includes tuition fees and living expenses (around A$18,000 per year). Financial documents like bank statements or sponsorship letters might be required.

Health insurance: Overseas Student Health Cover (OSHC) is mandatory for all international students in Australia.

Additional considerations

Cost of living: Factor in living expenses beyond tuition fees, such as accommodation, food, transportation, and healthcare costs. Budgeting and exploring scholarship opportunities can help manage these expenses.

Pre-departure arrangements: Secure accommodation in Australia, either on-campus or through private rentals. Familiarize yourself with Australian immigration regulations and living arrangements.

Conclusion

Overseas Education can be a transformative experience. By thoroughly researching universities, programs, and visa requirements and ensuring you meet all the necessary criteria, you can pave the way for a successful academic journey in Australia. Remember, planning well in advance and starting the application process early are key to a smooth transition.

[stevejonesperez]

The Complex World of Medicare: Why Is It So Confusing?

Medicare is a vital program in the United States, providing health coverage for millions of Americans aged 65 and older, as well as some younger individuals with certain disabilities. While it's a crucial safety net, many people find it incredibly confusing. In this blog, we'll explore why Medicare is so complex and how having a knowledgeable guide like Steve Jones can make navigating the Medicare maze much easier.

The Three-Part Medicare Structure

Medicare is often described as having three parts: Part A, Part B, and Part D. Each of these parts covers different aspects of healthcare:

Part A: This primarily covers inpatient hospital care, skilled nursing facilities, and some home healthcare services.

Part B: This covers medical services, doctor's visits, outpatient care, and preventive services.

Part D: This is the prescription drug coverage part of Medicare, helping individuals afford their necessary medications.

Additionally, there's the option to choose a Medicare Advantage Plan (Part C), which combines Parts A, B, and sometimes D into a single plan. The different parts and plans can be overwhelming to understand, and the best option depends on your specific needs.

Enrollment Periods

Medicare has specific enrollment periods that individuals need to be aware of:

Initial Enrollment Period (IEP): This is the initial window during which most people can enroll in Medicare. It typically starts three months before you turn 65, includes your birth month, and extends for three months after.

General Enrollment Period (GEP): If you missed your IEP, you can enroll during the GEP, which is from January 1 to March 31 each year. However, there may be penalties associated with late enrollment.

Special Enrollment Period (SEP): Some individuals qualify for a SEP, which is triggered by specific life events like retirement or the loss of employer-sponsored coverage.

Understanding these enrollment periods is crucial to avoid penalties and ensure you have coverage when you need it.

Coverage Gaps

Medicare doesn't cover everything, which can lead to gaps in coverage. For example, it doesn't cover long-term care, dental care, or eye exams for glasses. To fill these gaps, you may need to consider purchasing additional insurance, such as a Medigap (Medicare Supplement) policy or a retiree health plan if you have one from your former employer.

Choosing the right supplemental coverage can be confusing, as there are various plans with different coverage options and costs. The best choice depends on your health needs and budget.

Part D Prescription Drug Plans

Part D, the prescription drug coverage, can be one of the most perplexing aspects of Medicare. The formularies, or lists of covered drugs, can change each year. It's essential to ensure the medications you need are covered by your plan and understand the plan's cost-sharing structure.

Medicare Advantage Plans

Medicare Advantage Plans (Part C) are private health insurance plans that often include Parts A, B, and D. They can offer additional benefits like dental and vision coverage. However, navigating the various Medicare Advantage plans can be challenging, as each plan has different networks, covered services, and costs. You must carefully compare plans to ensure they meet your healthcare needs.

Constant Changes and Updates

Medicare regulations and policies change regularly. Staying up-to-date with these changes can be a challenge, especially for those already enrolled in Medicare. An alteration in coverage, rules, or costs can significantly impact your healthcare choices and budget. This dynamic environment can contribute to the overall confusion surrounding Medicare.

The Importance of Professional Guidance

Given the complexities and constant changes in Medicare, many individuals find it overwhelming to navigate on their own. This is where experts like Steve Jones come into play. A knowledgeable Medicare advisor can help individuals:

Understand Their Options: Steve can explain the different parts and plans, helping you make informed decisions about what coverage you need.

Navigate Enrollment Periods: He can guide you through the various enrollment periods, ensuring you don't miss important deadlines.

Evaluate Supplemental Coverage: Steve can help you assess whether you need additional coverage and which plan is right for you.

Stay Updated: A professional advisor is well-versed in the latest Medicare changes and can help you adapt your coverage as needed.

Save Money: By helping you choose the right plan for your needs, Steve can potentially save you money on your healthcare expenses.

In Conclusion

Medicare's complexity is a source of frustration for many Americans seeking healthcare coverage. The intricacies of enrollment periods, coverage gaps, prescription drug plans, and changing policies contribute to the confusion. However, with the help of a knowledgeable advisor like Steve Jones, you can make sense of the Medicare puzzle and ensure you have the right coverage for your health needs and financial situation. Don't let the confusion deter you from the essential health benefits that Medicare can provide. Seek expert guidance, and you'll find that Medicare becomes a much more manageable and valuable resource.

[anaheimmedicareinsuranceagent]

Medicare and Dental Care: Understanding Your Options for Oral Health

Medicare, the federal health insurance program primarily for individuals aged 65 and older, plays a crucial role in providing access to healthcare services. However, one significant area where Medicare falls short is dental care. Dental health is an integral part of overall well-being, yet Original Medicare (Part A and Part B) does not cover routine dental services. Understanding the importance of oral health and exploring your options for dental care within the Medicare framework is essential to ensure you maintain a healthy smile.

The Importance of Dental Care

Oral health is vital for a person's overall health and quality of life. Poor dental health can lead to various issues, including gum disease, tooth loss, and even systemic health problems like heart disease and diabetes. Regular dental check-ups, cleanings, and timely treatments can help prevent these problems and maintain good oral hygiene.

What Original Medicare Covers

Original Medicare typically does not cover routine dental care, including cleanings, fillings, extractions, dentures, or most dental procedures. However, there are exceptions, such as dental services required as part of a covered medical procedure, for example, jaw reconstruction following an injury.

Medicare Advantage (Part C) and Dental Coverage

Medicare Advantage plans (Part C) are offered by private insurance companies approved by Medicare. These plans provide an alternative to Original Medicare and often include dental coverage. While the extent and specifics of dental coverage can vary between plans, many Medicare Advantage plans include routine dental services such as cleanings, X-rays, fillings, and even some major procedures like root canals or extractions.

Stand-Alone Dental Insurance

Individuals seeking dental coverage that isn't included in their Medicare Advantage plan may choose to purchase stand-alone dental insurance. These plans are specifically designed to cover a range of dental services, from preventive care to major dental procedures. It's essential to carefully review the details, coverage limits, deductibles, and premiums associated with stand-alone dental insurance plans to determine if they align with your needs and budget.

Dental Discount Plans

Dental discount plans are an alternative option for individuals seeking affordable dental care. These plans involve paying an annual fee to access a network of dentists that offer services at reduced rates. While not insurance, dental discount plans can provide significant cost savings on various dental procedures, making them an attractive option for those looking to manage dental expenses effectively.

Community Health Centers and Free Clinics

Community health centers and free clinics often offer dental services on a sliding fee scale based on income, making them accessible and affordable for individuals with limited financial resources. These facilities may provide essential dental care, including cleanings, exams, and fillings, ensuring that individuals can maintain their oral health without facing prohibitive costs.

Considerations When Exploring Dental Care Options

When exploring dental care options, consider the following factors:

Your Dental Health Needs: Assess your dental health requirements and determine the level of coverage you need, whether it's routine check-ups, preventive care, or more extensive dental procedures.

Costs and Affordability: Evaluate the costs associated with each option, including premiums, deductibles, copayments, and out-of-pocket expenses, to ensure it fits within your budget.

Coverage Limitations: Understand the coverage limitations, waiting periods, restrictions, and exclusions associated with each dental care option to make an informed decision that suits your needs.

Dentist Network: Check the network of dentists available under each plan or option to ensure your preferred dental professionals are included.

Existing Health Coverage: If you have a Medicare Advantage plan, review the dental coverage included in your plan and consider if it meets your needs. If not, explore additional dental coverage options.

In Conclusion

Oral health is an integral part of overall well-being, and understanding your options for dental care within the Medicare framework is essential. While Original Medicare typically does not cover routine dental services, there are alternatives available, including Medicare Advantage plans with dental coverage, stand-alone dental insurance, dental discount plans, and community health centers. Assess your dental health needs, consider the costs and coverage limitations, and choose an option that aligns with your requirements to ensure you maintain good oral health and a bright smile.

[phenixinvestigations]

Finding a Big Hidden Asset

Hidden liabilities come at us every day. The car needs a big repair, a hefty medical bill after an emergency room visit for a sick child or your mortgage payment jumps with climbing interest rates. But what about finding some hidden assets that can be turned into some cold hard cash that can be invested, spent or given to family or a charitable organization?

"Find me some hidden assets" - you may be thinking.

One big one may be gathering dust in a box on the top shelf of your closet - your life insurance policy.

Think about it. You paid premiums all those years and you own it. It is an asset even if the policy has no cash value. The selling of life policies in the secondary market is called life settlements and it is growing fast. Sadly, many seniors let their unneeded or too expensive policies lapse each year without even hearing about this better option.

This is no crackpot scheme. Here is what two leading publications say about the matter.

The Economist, May 17, 2003 "....elderly Americans with policies they do not need or cannot afford to keep have had little option but to let the policies lapse or sell them back to their insurers. On average they can get three times as much from life settlement firms as they can from their original insurers."

The Wall Street Journal, September 21, 2004

"Owners let nearly 90% of all term policies lapse...What policyholders sometimes don't realize is that a policy is an asset that has market value... the value of a life settlements transaction is generally at least three times the underlying cash value of the policy."

I first learned about the option of selling a life policy when my father in Milwaukee sold his policy about ten years ago. His seven children were all grown up and Employee embezzlement his policy premiums were escalating each year. He sold his policy for more than he imagined and used the proceeds to invest in mutual funds and for a down payment on a condo in South Carolina to escape the cold Wisconsin winters. Many others use the proceeds from selling their policies to purchase a better lower cost life policy, invest in a long-term care policy, build up their nest egg or just give the money to their children or a favorite charity.

Who can sell their policies, what is the process and how is the value of a policy determined?

I spoke with Centennial Funding LLC Managing Partner Ed Kaffel about these questions. According to Ed, with some exceptions, only seniors over the age of 65 will likely be able to sell their policies which must be owned for at least two years. In order to determine the value of their policy, the insured needs to complete an application including a copy of the policy and authorize the release of their medical records. This file is then reviewed by say twenty corporate buyers of life policies that then can make cash offers based on the owners age, health and the economics of the life policy. Even term policies may qualify.

There is no need for the insured to make an up front commitment to sell the policy and no requirement for a health exam. Once an offer is received for a policy, the owner can accept or reject it. You can ask Ed about your situation by calling him at 719.785.4866.

Just what can be the value of this hidden asset? Every situation is different but here are two examples.

Male: Age 67

Health Issues

Face Amount: $350,000

Cash Surrender Value: $24,474

Offer: $136,000

Female: Age 78

Face Amount: $1,000,000

Cash Surrender Value: $42,000

Offer: $260,000

You can see that this is something worth looking into if you no longer need your policy and can put the proceeds to good use. Charitable organizations are now able to convert donated life policies to cash to fund projects now rather than later.

[mvprehab]

Is Physiotherapy Covered by Medicare?

If you have private health insurance, physiotherapy is generally covered. However, a waiting period typically applies.

Physiotherapy is a drug-free alternative to help relieve pain and discomfort. It helps reduce the risk of injury and improves mobility, flexibility and overall quality of life.

Under Medicare, physiotherapy falls under the Chronic Disease Management (CDM) scheme. For more information, see Item 10960 of the Medicare Benefits Schedule. To know more about is physio covered by Medicare, visit the MVP Rehab Physiotherapy website or call 0450603234.

Physiotherapy, also known as physical therapy, is a health care profession that promotes wellness and movement potential in individuals. It is a science-based and patient-centered approach to promoting, restoring and maintaining optimal physical strength, movement and motion, and quality of life.

Typically, doctors refer patients to see a physiotherapist. However, it is possible to self-refer and most private physiotherapists accept direct bookings.

A physiotherapist is a highly-trained professional who can assess and treat musculoskeletal problems such as back or neck pain, muscle or joint injuries, sports injuries or other health conditions. They can also help with the management and prevention of a wide range of health issues including cancer, palliative care, lymphedema and incontinence.

Physiotherapy treatments often include exercises to improve strength or movement, TENS (which alters pain messages to the brain), and aquatic therapy (where you exercise in warm water, which can ease movement and support muscles and joints). Medicare Part B covers physiotherapy if it is part of a medically necessary treatment plan.

Medicare is the federal health insurance program for people age 65 or older. It helps pay for hospital stays, doctor visits, and some home health care services. Medicare also covers certain preventive services, like foot exams and treatment for calluses.

There are four parts to Medicare: Part A, Part B, Part C, and Part D. Most beneficiaries enroll in Original Medicare, the traditional fee-for-service program, which includes Parts A and B. Part D offers prescription drug coverage.

Part B requires you to pay a monthly premium, which is deducted from your Social Security check or paid directly to Medicare. You may also choose to purchase a Medicare Supplement Plan, which is extra insurance from private companies that pays some or all of your Part B costs, including deductibles, coinsurance, and copayments.

Medicare Advantage Plans, also known as Medicare Advantage Organizations or MAOs, are private health plans that offer all of your Part A and Part B benefits plus prescription drug coverage (Part D) in one package. Most MAOs are HMOs or PPOs, and they may have different rules, costs, and coverage restrictions than Original Medicare.

Private health insurance typically covers many of the same things as Medicare but often with higher premiums. You can compare plans on the Health Insurance Marketplace to find coverage that fits your budget.

If you have a Medicare Advantage plan, your out-of-pocket costs may be capped each year once you reach a certain limit. You can also buy a stand-alone Medicare drug plan (Medicare Part D) or a Medicare Supplement plan that works with Original Medicare and pays part of your outstanding deductibles, copayments, and coinsurance after the first dollar is paid by Original Medicare.

Some Medicare Advantage plans have rules about using in-network versus out-of-network care that you should review. In addition, some managed care plans require preapproval for some types of services. Your doctor will try to be familiar with your plan’s requirements, but it is important for you to know what the rules are. You should also read your insurance policy carefully to understand what is covered.

A beneficiary may want a service that Medicare or the payer does not consider medically reasonable and necessary under the circumstances. For example, Medicare does not cover routine foot care and a hammertoe, but it covers treatment for such conditions as diabetic neuropathy and gout.

Similarly, Medicare does not cover cosmetic surgery but will pay for plastic surgery to reconstruct breasts after a mastectomy. It also does not pay for non-emergency transportation.

Medicare beneficiaries have access to supplemental insurance policies, known as Medigap, that can help cover Part A and B deductibles and copayments. Many of these plans also provide coverage for health care while abroad. To know more about is physio covered by Medicare, visit the MVP Rehab Physiotherapy website or call 0450603234.

However, nearly 1 in 5 traditional Medicare beneficiaries in 2016 had no supplemental coverage and thus were fully exposed to Medicare’s cost-sharing requirements and lack of an annual out-of-pocket limit. For this reason, it is important to inform patients about the benefits of supplemental insurance, Medicare Advantage and strategies that can help cover costs associated with gaps in coverage.

[termlifeguy]

Making the Right Choice | A Guide to Choosing Between Medicare Advantage and Medicare Supplements

Boise Idaho Medicare Supplement Brokers

In addition to Original Medicare, you may also be eligible for Medicare Supplement plan . Unlike the original plan, these offer similar benefits and services but with lower costs or more inclusions. Many Advantage plans include vision and dental coverage.

Additionally, you can opt for coverage that covers routine procedures like an eye exam. If you are unsure about which plan to choose, read this article to learn more about it and find a plan that will best meet your needs.

There are 59 health insurance companies in the United States that offer Advantages plans. These plans are designed to cover services that Original Medicare doesn't cover. They offer lower premiums and an extensive network of providers. Some plans even cover the cost of out-of-network care, which is particularly valuable for people with pre-existing conditions. Aside from this, these policies also give you access to a wide network of providers.

Choosing Between Medicare Advantage VS. Medicare Supplements

As you approach the age of 65, you may begin to consider your healthcare options. If you're eligible for Medicare, you have a choice between Original Medicare (Parts A and B) and Medicare Advantage plans. You may also choose to supplement your Original Medicare benefits with a Medicare Supplement plan. Deciding between these options can be daunting, but with some research, you can make an informed choice that fits your needs and budget.

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans must cover all the benefits of Original Medicare, but they may also offer additional benefits, such as vision, dental, and hearing coverage, as well as prescription drug coverage. Most Medicare Advantage plans also have a network of healthcare providers that you must use in order to receive coverage, although some plans may allow you to go out-of-network for a higher cost.

On the other hand, Medicare Supplements, also known as Medigap plans, are also offered by private insurance companies. These plans are designed to cover some or all of the out-of-pocket costs associated with Original Medicare, such as deductibles, coinsurance, and copayments. There are ten standardized Medigap plans, each labeled with a letter (A, B, C, D, F, G, K, L, M, N), and each plan offers different levels of coverage.

Tips When Choosing Between The Two Options

When deciding between a Medicare Supplement plan and Original health insurance, it is important to choose one that meets your needs. Both plans have their own advantages and disadvantages. Understand how they work and which one will be best for you. If you don't know what to choose, start by comparing the premiums of the two plans or you can contact Boise Idaho Medicare Supplement Brokers. You may find that one is more affordable than the other. The best choice is to decide based on your health and budget.

Flexibility. For a person who loves to travel from state to state, a flexible health plan is perfect to choose no matter where you are. The majority of Advantage plans required the member to use an approved network provider, while Medigap allows the member to be treated outside the providers as long as it accepts Medicare. Moreover, they can see any doctor they wish, no matter where they live. For example, an Arizona resident can fly to Minnesota to visit the Mayo Clinic .

Predictability. Many people choose the Medicare supplement plan or Medigap because it makes out-of-pocket costs more predictable, and makes it easier to budget accordingly. The cost-sharing aspect of these plans is also appealing to many people. The best part about them is that they don't have to worry about high out-of-pocket costs when they need medical care.

Extra benefits. If you are looking for added benefits such as vision or hearing care, Medicare Advantage is the right one for you. Additionally, most Advantage plan includes prescription drug coverage.

Understanding Medicare Advantage Plan

Why consider a Medicare Advantage Plan? While Advantage plans often require you to use their network, you may find that your current doctor does not participate. You will still need a referral from your primary care physician. Additionally, they are required to have a copay and coinsurance. After that, you'll pay 100 percent of covered expenses unless you choose to pay for extra services or prescription drugs. The downside of an Advantage plan is that you can only use a network of providers. Additionally, specialized care is usually required, and most plans require preauthorization.

In a ddition to premium rates, you will also need to consider the maximum amount of out-of-pocket costs each plan will cover. The out-of-pocket maximums for Medigap plans vary by plan, sex, and location. While the maximum limit for Medicare Advantage plans is generally lower than that of the Original Medicare program, most plan premiums will still require some type of out-of-pocket expense. If you have an existing medical plan, it may be best to choose a plan that includes Part D coverage. Boise Idaho Medicare Supplement Broker Chris Antrim , can help you out with your choices, he can provide a plan that will fit right perfectly to your healthcare needs.

Originally published here: https://www.goidahoinsurance.com/guide-to-choosing-between-advantage-and-medigap

[optimchiropractor]

CHIROPRACTOR CARE: HOW MUCH DOES IT COST?

Chiropractic treatment has long been a preferred form of care for those with musculoskeletal-related issues. In fact, roughly 35 million Americans see a chiropractor every year, and there are approximately 70,000 chiropractors who treat them.

How much a chiropractor costs depends on the area and the type of practice – but the benefits can be enormous for your wellbeing. Chiropractic care is a form of medical treatment that helps manage musculoskeletal pain you may feel doing the basic activities you perform every day. A chiropractor can help diagnose and treat the underlying problems, as well as advise on preventative care to stop the issue from recurring again in the future. 

If you’re new to chiropractic care, this guide will help explain what you need to know about visiting a chiropractor and how affordable chiropractic care really is. Let’s dive in. 

WHAT IS CHIROPRACTIC CARE?

Chiropractic medicine is a holistic form of medical care.  The main goal, just like in any other medical profession, is to identify and treat the offending condition. The biggest difference is that chiropractors use joint manipulation and soft tissue mobilization instead of surgeries and prescription medications.  

Pain level reduction, although subjective to each individual, is a common goal of treatment for many patients.  In a research study, 92% of patients reported reduced pain after chiropractic treatments.  Even better, 80% of patients reported increased mobility after seeing their chiropractor.

The history of chiropractic dates back to 1895 when D.D Palmer performed the first chiropractic adjustment on a janitor named Harvey Lillard. Lillard claimed he had lost his hearing after bending over and feeling a ‘pop’ in his back. After Palmer performed that first procedure, Lillard’s hearing was said to have returned.  The chiropractic profession has continued to learn and evolve over the last 120 years to now being the go-to first-line conservative treatment option for a vast array of joint, muscle, and ligament conditions.  Chiropractors are increasingly working alongside medical researchers to further expand upon chiropractic methods and assess their practicality in medical treatment.

There are some common stigmas behind chiropractic care that are not justified. One such stigma is that chiropractors aren’t very educated or don’t need a medical degree. Although they don’t receive an M.D and aren’t medical doctors, chiropractors do attain graduate-level education and are required to pass a series of strict chiropractic exams accredited by the National Board of Chiropractic Examiners – and only then are certified with a degree Doctor of Chiropractic.  Typically, chiropractors need to have: 

A four-year undergraduate degree. 

Three to five years of coursework at an accredited chiropractic university. 

Completed a clinical internship.

Pass each of the Chiropractic board exams.

While some doctors disagree about the applicable uses of chiropractic care, it’s still primarily accepted by the medical community. For instance, The American College of Physicians guidelines lists spinal manipulation, a core feature of chiropractic care, as one of the first treatments for lower back pain.

HOW MUCH IS A CHIROPRACTOR?

Chiropractic treatment costs depend on the practice and its location, but appointments usually cost somewhere between $30 to $300 per visit.  Many factors will impact the price of the visit, such as whether it is the first visit with an in-depth exam or a subsequent visit consisting of only a basic chiropractic treatment.  Some clinics may charge extra when the use of modalities like ultrasound, interferential current, or soft tissue mobilization is necessary. 

It is not uncommon for multiple chiropractic treatments to be needed when handling an injury.  At an average price of around $65 per treatment the total cost of rehabilitating and injury could cost a few hundred dollars.  But when that option is compared to the cost of a more invasive surgery that could cost tens of thousands of dollars, conservative chiropractic care is oftentimes an easy decision.

Ask your chiropractor if they have any memberships, treatment packages, or monthly specials that can help make chiropractic care even more affordable.

COMMON CHIROPRACTIC TECHNIQUES

Chiropractic is a method of spinal manipulation performed by an accredited professional. This technique can be done in several different ways. Usually, it involves the chiropractor using their hands to apply force to muscles, bones, and joints; but use of an array of other tools is quite common.  If there is a specific technique you don’t like just let your Chiropractor know and they will adjust to accommodate what works best for you.

While treatment is not usually painful during spinal manipulation, some people may experience slight momentary discomfort or post-treatment soreness.  Any momentary discomfort often passes quickly and is generally followed by intense relief.  Post-treatment soreness is often likened to muscle soreness after working out and can be alleviated with rest and ice applied to the sore region. 

ADJUSTMENTS

An adjustment occurs when chiropractors use their hands or other medical tools to apply controlled force to a spinal joint. Spinal adjustments are commonly utilized for conditions such as lower or upper back pain, neck pain, or headaches.  A simple adjustment can help treat these and a host of other common ailments.

SOFT TISSUE TECHNIQUES

Soft tissue treatments are designed to loosen up muscular knots, break down scarred tissues within the body, and help to alleviate painful areas. They can help increase circulation and healing of tissues, too.

The most common soft tissue technique is Instrument-Assisted Soft Tissue Mobilization (IASTM).  It involves scraping and massaging the skin with small implements. The method is designed for the chiropractor to identify and treat areas affected by scar tissue in order to reduce pain and improve the range of motion. IASTM offers multiple benefits that include helping with faster recovery time and reducing the need for anti-inflammatory medication.

STRETCHING

Stretching is a meaningful way to keep your muscles and joints in good health. Plus, stretching has numerous benefits that don’t require a lot of time or expensive equipment.

Chiropractors encourage stretching to help relieve pain and maintain healthy muscles and joints. When muscles surrounding joints are tight, it can reduce mobility and cause discomfort. Stretching can help loosen the joints, allowing you to move with less difficulty.

MANUAL/ELECTRIC INSTRUMENTS

Chiropractors use their hands to provide treatment to the affected areas most of the time; however, they also use various tools to provide more specialized care when needed.

For instance, different chiropractic tables are used depending on the personal preference of the chiropractor or the treatment that needs to be provided. The ability to change tables to suit the patients’ needs greatly benefits patients and practitioners alike.

An electronic activator may be used during an adjustment, whereby the chiropractor manipulates the activator and applies pressure near the affected joint, followed by a thrust. Instead of using force, the activator tool uses speed and creates the “pop” when applied to affected tissues around a joint.

BENEFITS OF CHIROPRACTIC CARE

Chiropractic care has many health benefits that have been validated through clinical research.

For example, a review in 2021 found spinal manipulation to be effective for treating acute neck pain. Research has also shown that chiropractic care can help manage headaches and low back pain.

Another study reported in the Annals of Internal Medicine considered different therapies for treating neck pain. They divided 272 study participants into three groups: one received spinal manipulation from a chiropractor, another group was given over-the-counter pain relief, and a third group did exercises such as stretching, dancing, and running.

After twelve weeks of treatment, the results were reported as follows:

57% of the chiropractic group achieved significant pain reduction.

48% received pain reduction from exercising.

Only 33% managed to get pain reduction from over-the-counter medication.

Clinical research is continually being conducted and regularly updated to verify findings like these and explore other regions where chiropractic manipulation has strong potential.

HEADACHE/MIGRAINE RELIEF

Around 75% of the adult population in the US suffers from occasional tension-type headaches every year.  Chiropractic care can help treat and manage headaches, including migraines. Adjustments and massages help improve headaches and migraines by relaxing muscles and reducing musculoskeletal tension within the body. 

Chiropractic care can help treat and manage headaches and migraines, especially those in the neck. Adjustments and massages help improve headaches and migraines by relaxing muscles and reducing musculoskeletal tension within the body.

BACK PAIN RELIEF

Sixteen million adults in the United States report chronic or persistent back pain. Thankfully, back relief is a key benefit of chiropractic care. Chiropractic methods are centered around the spine and can provide short-term pain management through the use of adjustments.

WHAT TO EXPECT DURING YOUR APPOINTMENT

Usually, chiropractic appointments begin with questions about your pain, medical history, and a physical examination. The examination will include the chiropractor checking muscle tone, how you move your body, and how well you can twist, turn, and bend. This helps your chiropractor understand how your body is moving and where problems might be.

An x-ray or MRI scan may follow the examination to determine the source of the pain or to verify the patient is safe to treat. Additional tests using various instruments may also be used while in the office to determine the source of the pain.  Knowing the root cause of the pain can help determine the best treatment plan for combating the pain.

If a chiropractic adjustment is necessary, the patient will lie down on the specialized chiropractic table to get adjusted.  It’s common for patients to hear a ‘popping’ or cracking noise during the adjustment. This is perfectly normal and not a cause for concern. It’s merely the gasses inside your joints being released as the spine is adjusted.

HOW OFTEN SHOULD YOU SEE A CHIROPRACTOR?

How often you should see a chiropractor for an adjustment varies from person to person. Some may only require one or two visits per year, while others may require more frequent checkups. If you’re unsure how often you will need to see a chiropractor, you can ask them for recommendations based on their knowledge of you and your condition. Some offices may offer memberships or packages that can help make multiple visits more affordable.

THE NEXT STEPS

Staying in shape is essential to us all. We only get one body, so it helps to make sure it gets everything that it needs.

Optim Chiropractic supports your body through a wealth of expertise, knowledge, and some of the best practitioners in the area. We’ll get to know you, determine the best treatment plan, and work to relieve you of pain.  Find out how the doctors at Optim Chiropractic can help you achieve optimal performance without the use of surgeries or prescription medications.

Call us at (813) 475-4150 to schedule a free consultation or book your first appointment.

[ashwilliam18]

For most seniors, Medicare provides coverage for their medical needs. But, depending on which plan you have, costs associated with vision care may or may not be covered.

Below we’ll explore what policies provide coverage, and what other resources are available to help you get the right vision insurance policy that meets your needs and budget.

What Medicare Covers

Medicare is available to most seniors age 65 and older, but also those younger than 65 with certain disabilities. Medicare includes four parts: A, B, C, and D.

When signing up for Medicare, you generally select one of two choices. You either enroll in Original Medicare (Parts A and B) or enroll in a Medicare Advantage Plan (Part C). (Part D is a prescription drug plan and is only available to seniors who sign up for Parts A and B.)

Original Medicare covers hospital and medical expenses, while a Medicare Advantage Plan requires enrollees to sign up with an insurance carrier, which then provides primary coverage for Medicare-related costs. Both have similarities, but one of the areas where they differ is in the vision coverage.

Original Medicare

In general, vision insurance does not come standard with Original Medicare. However, this plan will cover diseases and disorders of the eyes, and Medicare B will cover the following preventive and diagnostic exams:

Eye exams, if you have been diagnosed with diabetes

Glaucoma tests

Macular degeneration tests and treatment for those at high risk

Original Medicare also will cover vision care if it is the result of a condition that is considered a serious medical problem. For example, Original Medicare typically will cover any injuries or care needed from a traumatic eye injury. Part B also will cover cataract surgery.

If you’re simply in need of eyeglasses or contact lenses, you’re out of luck with Original Medicare. However, Part B will help pay for corrective lenses (a pair of eyeglasses or a set of contact lenses) if you have had cataract surgery in which doctors have implanted an intraocular lens.

Medicare Advantage Plan

Because you sign with an insurance carrier to provide your Medicare benefits, Medicare Advantage Plans to allow you to bundle a purchased vision plan with your regular healthcare plan. Some Medicare Advantage plans even will provide full coverage, such as for routine vision exams or vision correction products.

Each Medicare Advantage plan differs, and factors such as location play a role in what coverage is available. That’s why it’s important to check if Medicare Advantage plans are available to you.

Your Other Choices

Medigap policies, or supplemental insurance plans, are popular choices among Original Medicare recipients to help pay for healthcare costs that are not covered by their plans, including co-payments, coinsurance, and deductibles. It’s important to note that Medigap policies do not include vision coverage.

If you are enrolled in Original Medicare, however, private insurance carriers do offer separate plans to help meet your vision care needs. Often, vision insurance carriers have plans available tailor-made for Medicare participants.

These stand-alone policies differ among carriers, but usually cover basic levels of care that include eye exams. Seniors typically will pay a premium each month for coverage and may pay a copay for exams and other services. There often is a fixed dollar amount of coverage that can be used to cover the costs of glasses, contacts, or other care.

[seniorlivingselections01]

How to Choose Reputable Memory Care in Florida

Choosing a reputable memory care facility for your loved one can be a challenging task. Alzheimer's disease can be a complicated medical condition that requires specialized medical and personal care. Luckily, there are plenty of resources to help you choose the right facility.

First, you should know that Florida has many great memory care facilities. These facilities provide a wide variety of services for those with dementia and other memory-related disorders. They are not nursing homes, but they do offer 24-hour supervision and assistance with daily activities. They may also have an enclosed outdoor area to keep residents from wandering.

The state's Department of Elder Affairs has a plethora of resources available for families. For instance, there are home meal delivery programs, advocacy services for congregate care settings, and low-cost resources to assist with prescription medication costs.

You can also use the SMMC-LTC program to help pay for memory care services. This program is a Medicaid waiver that provides supports for seniors in need. Those who qualify for this program receive monthly cash benefits to help pay for their care. The benefits are assigned on a case-by-case basis.

The cost of residential memory care in Florida is generally less expensive than other types of care. In fact, the average monthly cost of a Florida memory care facility is $689, below the national average of $5064. However, if you don't qualify for a statewide program, you can still benefit from the aid of an Optional State Supplement program. This program can help you cover the costs of room and board at a Florida memory care facility. It can also help you with the cost of medical and personal care services.

You should also know that the state imposes a number of requirements for memory care facilities. These include staff to resident ratios, color-coded walls, and activities for residents with cognitive challenges. The facilities may also have special badges and codes for residents. In addition, the staff should be well-trained to handle the medical needs of residents. They must also be on-duty around the clock. They must undergo a physical exam every three years. They should be able to administer medications within the scope of their license.

Another thing you should know is that the state's minimum staff to resident ratio is based on the number of residents at the facility. For example, a facility that houses five or fewer residents must have four16 staff hours per week. A facility that has 26 to 35 residents must have 294 staff hours each week. A facility with 56 to 65 residents must have 416 staff hours each week.

In addition to the SMMC-LTC program, the state's Alzheimer's Association has locally-run chapters that can help you find support for long-term care. They also fund research and educational programs to improve the quality of life for those with Alzheimer's. There are also free resources for Florida families looking to get their loved ones the care they need.

[samaira132187]

GMAT Exam 2024: Fees, Pattern, Eligibility, and Tips

The Graduate Management Admission Test (GMAT) is a crucial step for many aspiring business leaders and managers. It is a standardized test designed to measure your readiness for graduate-level business studies. If you're considering applying to business schools in 2024, understanding the GMAT's fees, pattern, eligibility, and preparation tips can help you achieve a competitive score. This guide will provide you with all the essential details you need to excel in the GMAT exam 2024.

GMAT 2024: Overview

The GMAT is used by more than 7,000 programs at over 2,300 graduate business schools worldwide. The exam tests analytical writing, quantitative, verbal, and integrated reasoning skills, all essential for a career in management and business. The GMAT is a computer-adaptive test, meaning the difficulty of the questions adjusts based on your performance as you progress through the exam.

GMAT 2024 Fees

The GMAT is not just an intellectual challenge but also a financial investment. Here’s a breakdown of the fees associated with the exam:

GMAT Registration Fee: The basic registration fee for the GMAT exam is approximately USD 275. This fee may vary slightly depending on your location and the mode of payment.

Rescheduling Fee: If you need to reschedule your exam, the fee varies based on when you make the change. Rescheduling more than 60 days before your test will cost around USD 60, while doing so within 14 days can cost up to USD 150.

Cancellation Fee: Canceling your exam more than 60 days before the test will refund you USD 100, but if you cancel within 14 days, you will not receive any refund.

Additional Score Reports: Sending your GMAT scores to more than the five programs included in the registration fee will cost around USD 35 per additional report.

GMAT 2024 Exam Pattern

The GMAT is divided into four sections, each designed to test specific skills:

Analytical Writing Assessment (AWA): This section requires you to write an essay analyzing an argument. You have 30 minutes to complete it. This section assesses your ability to think critically and communicate your ideas effectively.

Integrated Reasoning (IR): The IR section consists of 12 questions that you need to answer in 30 minutes. It tests your ability to analyze data and evaluate information presented in multiple formats, such as graphs, tables, and text.

Quantitative Reasoning: This section has 31 questions to be completed in 62 minutes. It assesses your ability to reason quantitatively, solve quantitative problems, and interpret graphic data. It includes problem-solving and data sufficiency questions.

Verbal Reasoning: The verbal section consists of 36 questions to be answered in 65 minutes. It tests your ability to read and understand written material, evaluate arguments, and correct written material to conform to standard English.

The total testing time is approximately 3 hours and 7 minutes, not including optional breaks.

GMAT 2024 Eligibility

One of the appealing aspects of the GMAT is that it doesn’t have stringent eligibility criteria. However, some general guidelines include:

Age: Candidates must be at least 18 years old. If you are between 13 and 17 years old, you must obtain written consent from a parent or legal guardian.

Educational Qualifications: While there is no specific educational requirement to take the GMAT, candidates typically have an undergraduate degree. The exam is designed for students who wish to pursue graduate management programs like MBA, so most candidates have completed or are in the process of completing their bachelor's degree.

ID Requirements: A valid passport or other acceptable identification is required to take the GMAT. Ensure that the name on your ID matches exactly with the name you used to register for the exam.

Tips for Acing the GMAT 2024

Preparing for the GMAT requires a strategic approach. Here are some tips to help you maximize your score:

Understand the Exam Format: Familiarize yourself with the exam structure and question types. Use official GMAT prep materials and practice exams to get comfortable with the format.

Create a Study Plan: Start your preparation at least 3-6 months before your intended exam date. Divide your study time across the different sections, focusing more on areas where you feel less confident.

Practice Regularly: Consistent practice is key to success in the GMAT. Work on sample questions and take full-length practice tests under timed conditions to build your stamina and speed.

Review and Analyze: After each practice test, review your answers to understand your mistakes. Focus on the areas where you lost points and work to improve those weaknesses.

Develop Test-Taking Strategies: Learn strategies such as eliminating wrong answer choices, managing your time effectively, and pacing yourself during the exam.

Stay Calm and Confident: On exam day, ensure you get a good night's sleep before the test. Arrive at the test center early, and stay calm during the exam. Confidence can significantly impact your performance.

Conclusion

The GMAT 2024 is a critical component of your business school application. By understanding the fees, pattern, and eligibility requirements, and by following a well-structured preparation plan, you can achieve a score that will open doors to top business schools worldwide. Remember, consistent effort and a strategic approach are your best allies in acing the GMAT.

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Which MBA college has low fees without CAT ?

Would you like to know about the MBA colleges Delhi that have low fees? If so, then you are at the right place as here you will get every detail on the same. The MBA is one of the most preferred postgraduate degrees in Delhi that offers lucrative employment opportunities. On the other hand, earning an MBA might be costly. However, getting an MBA doesn't have to be expensive if that's your aim. The MBA programs offered by top MBA colleges in Delhi NCR with fee structure are affordable. The cost of MBA programs in government colleges and universities is significantly less than that of private colleges.

If you want to earn an MBA without worrying about paying high fees, look for MBA colleges in Delhi NCR with affordable tuition. We'll discuss affordable MBA programs with high placement rates in Delhi below. These top government MBA colleges in Delhi with low fees offer a range of programs that offer excellent teaching at a cost-effective price.

In this article, we've put together a list of some of theBest MBA colleges in Delhi without CAT with affordable fees that won't break your budget. These institutes provide the best facilities, excellent placement records, and excellent teachers for less than INR 7 lakhs. See the article below to find out more about the affordable MBA colleges in Delhi with fees without CAT.

Best MBA colleges in Delhi without CAT with low fee

The Common Admissions Test (CAT) MBA exam is not the only option for getting admission to MBA colleges in Delhi NCR. Various admission exams are used by various colleges. Some universities do, however, provide management quotas that enable candidates to be admitted directly into MBA programs.

It's time to review the listings of universities that provide direct admission in MBA colleges in Delhi along with their fees now that you are aware of the important information about admission to MBA programs without an entrance exam. This can help you choose top government MBA colleges in Delhi with low fees that provide direct admission to the field of your preference. Here are list of some of the top colleges for MBA in Delhi NCR :

Faculty of Management Studies

Guru Gobind Singh Indraprastha University

KCC Institute of Management and Technology

Jamia Milia Islamia

Delhi School of Management

IIT Delhi

BIMTECH

Direct Admission in MBA colleges in Delhi without an Entrance exam

Is it possible to get Direct Admission in MBA colleges in Delhi without taking an entrance exam? The answer is yes. Moreover, a small number of well-known Business schools provide direct MBA admissions without CAT requirements. Many MBA programs do not need entrance examinations; instead, admission is offered to candidates based on their performance on prior qualifying exams, in-person interviews, or multiple university entrance tests. Generally speaking, commercial institutions charge more than government-owned institutions.

MBA colleges in Delhi with fees without CAT: Eligibility Criteria

The criteria for admission through entry are different from those for Direct Admission in MBA colleges in Delhi, which does not need completing an entrance test. The following private MBA colleges Delhi and considered institutions meet the following requirements for MBA eligibility:

Under the management quota, students enrolling in private MBA colleges Delhi are required to finish half of their undergraduate studies.

a minimum of 65% in undergraduate courses, with a 5% relaxation given to the protected category

At each phase of the "direct-in" selection procedure. A series of interviews is used by certain universities to choose applicants for admission right away.

For admission, some universities could take into account exam scores from the MAT, CMAT, NMAT, XAT, and SNAP.

Conclusion

Candidates would be well advised to enroll in MBA programs at affordableMBA colleges Delhi that provide moderate tuition, bright prospects, and preserve top-notch academic standards. These particular MBA colleges Delhi provide affordable tuition together with financial aid, a thorough education, exposure to the business world, and excellent career chances. The aforementioned colleges offer excellent management education at affordable MBA course rates, allowing students to achieve their MBA goals without compromising their future professional prospects or academic standards.

Frequently Asked Questions (FAQs)

Q. Which parts of Delhi's Most Affordable Colleges are suitable for MBA programs?

The specializations offered by the most affordable MBA colleges Delhi with costs for an MBA program in Delhi include the MBA Pharmaceutical Management, MBA Business Economics, MBA, MBA Banking and Insurance Weekend, and MBA International Business.

Q. Are there any reasonably priced online MBA programs offered by Delhi-based colleges?

Yes, IGNOU Delhi offers an MBA program that is taught remotely.

Q. How many of the most reasonably priced universities in Delhi specialize in female MBA students?

The Indira Gandhi Delhi Technical University for Women (IGDTUW), which is conducted by the government, costs Rs 2.01 lakh per year. This college provides MBA programs in Delhi at some of the most affordable prices.

Q. Which of Delhi's most affordable colleges offers MBA programs and requires MBA entrance exam for admission?

These are some of the MBA colleges in Delhi with fees without CAT that charge entrance exam scores to get admitted :

DBE, DU

GGSIPU, Delhi

FMS, Delhi

Department of Commerce, University of Delhi

Management Education and Research Institute, Delhi

Q. Are there any top MBA colleges in greater Noida with fee structure that give the most affordable MBA programs?

Yes, there are about eight government and public universities in Delhi that provide MBA degrees at the most affordable prices:

The Delhi Department of Commerce,

University of Delhi IGNOU,

New Delhi FMS,

Delhi JMI,

Delhi Institute of Pharmaceutical Sciences and Research,

Delhi's GGSIPU,

Delhi's Bhai Parmanand School of Business Studies,

New Delhi DBE, and

DU are among them.

Q. Can I apply to an MBA college without taking an entrance exam?

Candidates for MBA programs can register without having to take admission examinations such as the CAT. While the CAT is a requirement for admission to all IIMs, several universities have selected different paths for MBA admission. The Best MBA colleges in Delhi without CAT use admission exams as a means of choosing applicants.

Q. Which documents are needed for Direct admission?

The documents needed for direct admission in MBA colleges in Delhi are as follows:

Proof of Identity

Transfer Certificate (TC)

UG Provisional Certificate/ Mark Sheet

Class 12 Certificate

Class 10 Certificate

Passport Size Photographs