Bunga Alamanda, Eksotika dan Manfaatnya

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Alamanda (jawa) nama latin (Allamanda cathartica) Lame Areuy (sunda). Diberi nama demikian karena penghormatan terhadap penemu genius ahli botani Swiss Frederik Allamand (1735-1776).

California Health Insurance – Independent Health Life Agent Verses Insurance Company In House Agent

You have just completed an online form requesting a free health insurance quote and moments later you are being inundated with phone calls from insurance agents hoping to get your business. Try not to become overwhelmed or annoyed by these “pesky sales people” because they are really not telemarketers. Most of them are well-trained state licensed professionals who can really help you make a good decision regarding which health plan is best and most affordable for your individual or group coverage needs.

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You may be under the misconception that if you buy your health plan directly from the insurance company, and cut out the “middle person”, you will save money. This is absolutely not the case. In fact, insurance companies rely on agents for most of their business and that’s why they pay them commissions for bringing in customers. It does not cost a consumer one penny more to use a licensed California health insurance agent to obtain their insurance coverage.

There are many differences between California health insurance and other states including how it is applied for.

For example, while Blue Cross and Blue Shield are one company in other states, here in California, each is separate and applied to individually as Anthem Blue Cross of California and Blue Shield of California.

California health insurance law AB 1672 is an improvement over the federal HIPAA law that covers all states in that it includes the following with regard to California group coverage:

1. Individuals with pre-existing medical conditions may change over to a new group health plan without an exclusionary period.

2. It allows small businesses and professional organizations to have access to health plans providing they have between 2 and 50 full time employees.

3. It keeps insurance rates from climbing after a claim is filed.

4. Employees who have health problems may change jobs or health plans without being rated higher for having pre-existing conditions.

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That said, the very best health insurance agent for your individual and business needs is an “Independent Agent.” Why? Because they represent multiple insurance carriers, not just one. An independent agent can help you select the most appropriate cost-effective plan offering the most benefits for your dollar as available from the major carriers, rather than feeding you just one company’s line of health plans which may not suit your particular needs. Many people are too complacent and settle for what their current insurance company has to offer. They could use a good independent agent to sort through the many plans available from multiple insurance carriers to find and provide the best choice of options.

Another misunderstanding you may have is that insurance agents set the premium rates for the health insurance plans they sell. Thinking if you shop around you may get a better price for the same plan. Premium rates are based on your age, zip code or county in which you reside and are controlled completely by the insurance companies. Every agent uses the exact same rate guides set by the insurance companies. The condition of your health may affect your premium, which may be rated up after the insurance company’s underwriting department has reviewed your medical records. Again, the insurance company, not the agent, determines that outcome.

Now, let’s talk about the benefits of having a good insurance agent representing you. Most consumers neither know nor understand the benefits of a health plan being offered and need the expertise of an agent to explain the benefits to them in full. For example, do you know what the difference is between an “out-of-pocket maximum” and an “annual deductible?”

An out of pocket maximum is the most you will have to pay in a given year for deductible and coinsurance for covered benefits before your insurance starts to pay 100% of most expenses until the year ends.

An annual deductible is usually the amount you pay each year before your health plan starts paying anything for covered services. Generally, the higher the deductible, the lower the premium. Certain services such as prescription drugs carry separate deductibles. Plans may vary and sometimes benefits will kick in before you have to meet the deductible.

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A knowledgeable health insurance agent can be a guide through the maze and help you choose the right plan to meet your needs and budget while obtaining the most benefits for your dollars spent. An agent will also make clear how the benefits for a generic prescription may differ from the benefits for a brand prescription on a particular plan.

After you have a health plan in place, a good, caring agent will remind you to pay your premium on time so the insurance company doesn’t cancel you. Your agent can also be an enormous resource for assistance if you run into a problem with a health insurance claim. Instead of waiting on hold at the insurance company’s 800 number for thirty to forty- five minutes, call your agent and explain your problem and if you have chosen the right agent, you will get help and may save yourself lots of time and frustration, maybe even some money by having an expert in your corner where your best interests come first.

So next time you or someone you know, fills out one of those on-line forms for a health insurance quote and you get several phone calls from health insurance agents wanting your business, be grateful that a professional wants to help you for free to choose the right plan and you’ll have an important friend for life.

My name is Diane Le Montre, License # 0D18343, your California Health Insurance Specialist with more than 25 years experience. I am an Authorized Independent Agent for the major California health insurance companies including Anthem Blue Cross, Blue Shield of California, Health Net, Cigna, Aetna, UnitedHealthcare and Kaiser.

Let me guide you through the maze of obtaining proper health insurance coverage for you, your family or business, with an individual or group plan based upon your specific needs. I will find the best coverage for your insurance dollar by analyzing the various plans of the major insurance companies I represent.

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My experience of having worked for insurance companies as a health insurance claims auditor and being an independent health insurance agent, gives me the advantage of knowing the health insurance business on both ends, from coverage to claims.

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Tanaman herbal Alamanda cepat tumbuh tanpa halangan berarti. Pada penggunaan pupuk kandang tradisional kondisinya lebih cepat berkembang.

Pada usia 8 Bulan ditanam dari ukuran 60 cm meninggi menjadi 120 cm dan akan berkembang hingga lebih dua meter pada usia 2-3 tahun mendatang. Tanaman berasal dari Brasil ini bisa berkembang pesat dengan bunga seperti terompet warna kuning tajam dengan tekstur yang halus menggoda tangan kita menyentuh dan memotretnya. Sebagian ditanam ditanah liat bekas sawah pun tidak menjadi halangan bagi Alamanda untuk berkembang.

Sangat menarik banyak orang lebih karena hasil bunganya. Tetapi sesungguhnya ia memiliki banyak manfaat herbal dan juga untuk lingkungan rumah. Paling tidak dengan menanam Alamanda di pekarangan atau sesekali dimasukkan di dalam rumah ia akan berguna untuk perbaikan udara.

Manfaat Alamanda paling kuat sebagai antibacterial dan antibiotic. Bisa juga untuk penawar keracunan bahkan dalam kondisi tanpa penggunaan. Artinya ketika ditanam Alamanda sudah secara otomatis memiliki manfaat pada penetralisiran udara dari radikal bebas. Dengan kata lain sangat penting untuk mengatasi masalah kanker.

Resep untuk penawar keracunan gunakan -+ 15 gram daun segar allamanda cathartica, dicuci, direbus dengan segelas air selama 15 menit, dinginkan dan disaring. Hasil saringan diminum dua kali selang satu jam.

Getah dari batangnya bisa untuk pencegahan kuman, kanker atau bakteri. Bunganya bisa untuk mencegah komplikasi dari malaria, pembengkakan hati, sembelit/pencernaan dan juga untuk mengatasi penyakit kuning.

Daun allamanda cathartica mengandung alkaloida, kulit batang dan buahnya mengandung saponin, disamping itu kulit batangnya juga mengandung tannin dan buahnya mengandung flavonoida dan polifenol.

Pada daunnya, Alamanda bisa untuk pengobatan kulit dari serangan kuman dan bakteri seperti bisul, abses, kudis dll.

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