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In the midst of a political battle over funding for the United States Postal Service, it appears the Department of Veterans Affairs has been looking into alternative delivery services.A veterans group called Disabled Vets of America posted a statement to their website explaining the situation, after they had approached the VA about concerns their members had shared.“The VA has now confirmed to us that the United States Postal Service (USPS), which is responsible for delivering about 90% of all VA mail order prescriptions, has indeed been delayed in delivering these critical medications by an average of almost 25% over the past year, with many locations experiencing much more significant delays,” the statement posted to the DAV’s website states.The VA acknowledged it was looking into delivery services outside the USPS in an email exchange with the DAV, according to CNN.“To help mitigate these postal delays, the VA has been forced to switch to alternative delivery services in a number of areas across the country and is taking other actions to expedite processing and delivery of prescriptions,” the statement from DAV reads.The VA has had an increase in demand for mail-order prescriptions during the coronavirus pandemic, they told CNN. Explaining that the VA has always used a “variety of prescription delivery methods to ensure timely delivery.”Spokesperson Christina Noel said they monitor prescription delivery times throughout the country. 1467
It’s now the time of year when you choose your healthcare insurance options during open enrollments. There is a large question looming, though. Has coronavirus affected health insurance?Here’s where your insurance stands today, the effects of COVID-19, and the mistakes you make when signing up for coverage.“I couldn’t live without insurance. I’m a diabetic and without insurance, I don’t know what I would do,” said Jon Gill from Solon. As usual, he will soon enroll in his company’s health insurance plan. However, this year has been unusual in the U.S; 8 million Americans have had coronavirus and that care costs.“I would think that COVID is going to make (rates) go up. I would assume,” said Gill.Dr. JB Silvers from Case Western Reserve University says probably not.“It looks like rates are going to be pretty stable,” he told us.Dr. Silvers has been studying healthcare and insurance for the past 40 years. He told us because people were not allowed to get some procedures earlier this year or they have been afraid to go to the doctor, that means insurance companies have done well financially.“The premiums keep coming in and the costs are low,” said Dr. Silvers.Here’s where the costs could catch up with you: if you’ve put off important, needed medical care.“Did you defer things that really should have been taken care of? In which case, you’re going to pay me later rather than paying me now. That’s the problem,” said Dr. Silvers.Liz Westin is an author and Finance Columnist with NerdWallet.com. She said just going with the same thing you did 12 months ago might not be wise. “(People) wind up spending about ,000 more a year than necessary because they aren’t paying attention to how their plans have changed,” Westin told us.Other mistakes people make during open enrollment is the temptation to just select the cheapest coverage, but that comes with much larger deductibles.“These high-deductible plans have really taken hold,” said Westin. “That’s fine if you have the cash set aside to pay for the care that you’re going to have to pay for out of pocket, but a lot of people don’t have that cash.”That applies especially to people who’ve lost their jobs because of COVID and lost their healthcare insurance with them. That could force Americans into "Obamacare" coverage under the Affordable Care Act. If that’s you, make sure to apply for financial tax help available that will lower your premium.“And that’s the route, I think — especially if you’ve lost your job — that most people are going to want to take,” Westin told us.If you already have coverage through the Affordable Care Act, Dr. Silvers told us in the fine print it says you have to spend at least (depending on the kind of plan) 80%-85% on pure medical costs. If you haven’t done that this year because of COVID restrictions or fear, you will get some money back.“Already this year, companies are giving rebates back for 2019, but they’re pretty small. Next year they’re going to be really big,” said Dr. Silvers.Both experts we talked to said in the upcoming year, you should take advantage of telemedicine where you meet with doctors over a video chat. That could help with your overall care at lower costs and it avoids putting off important visits.This story was first reported by Jonathan Walsh at WEWS in Cincinnati, Ohio. 3326

INDIANAPOLIS, Indiana — A new effort is underway aimed at better protecting the health of Indiana children in the classroom.A recent WRTV television station found most schools do not test for radon, a lung cancer-causing gas that comes up through the soil, even though the EPA recommends schools test at least every five years.The federal EPA estimates one in five schools has a classroom with dangerous levels of radon.State lawmakers have already vowed to take action, including looking at possible legislation requiring schools test for the radioactive material or requiring new school buildings use radon-resistant materials.Now, environmental groups are getting involved in the movement as well as the Indiana State Department of Health.Following the WRTV investigation, the Sierra Club’s Hoosier Chapter passed a resolution supporting requirements for radon testing in daycares and schools in Indiana.The Hoosier Environmental Council also supports requirements.“Yes, I think Indiana should have testing requirements for schools,” said Dr. Indra Frank, environmental health director with the Hoosier Environmental Council. “It is estimated that 1 in 3 Indiana homes has elevated levels of radon that can be unhealthy.”The EPA map shows much of Central Indiana is in a hot zone for radon, meaning the gas is widespread throughout the soil and buildings in our state.Dr. Frank emphasized radon can be in new or old buildings, including homes and schools."Radon isn't going to discriminate about which type of building it seeps into," said Frank.Improving Kids’ Environment, a group that trains Indiana schools on air quality issues, is also concerned about radon."I think with schools if you don't hold their feet to the fire, because they have so many things that they are accountable for, they just let those things go," said Margaret Frericks, Program Manager with Improving Kids’ Environment.A dozen other states have laws or regulations in place regarding radon in schools, and Frericks says it’s time for Indiana.Frericks said many people overlook radon because children often do not get lung cancer, and there’s no signs or symptoms associated with radon exposure.“It should be done,” said Frericks. “Not knowing is not an excuse."As environmental groups get ready for the upcoming legislative session, WRTV is already getting results at the Indiana State Department of Health.After our story aired, ISDH added information about radon to the indoor air quality website for schools, and they’re now in the process of developing best practices regarding radon in the classroom.“ISDH is required to review the best practices documents every three years, but we make changes and updates as needed,” said Megan Wade-Taxter, a spokeswoman for ISDH. “Ensuring that schools have the most up-to-date information on how to best protect the health of students, faculty and all those who enter their buildings is important.”Environmental groups say it’s a step in the right direction, and that we all pay down the road for people who develop radon-induced lung cancer.“Preventing an unhealthy exposure is much less expensive than trying to cure a disease once it’s arisen,” said Frank. 3212
In many rural communities, entire cities often rely on one business to support the economy, and when those businesses leave, it leaves the community devastated.For the town of Luke, Maryland, its paper mill went out of business last summer, and the deep financial impact is being felt by families and businesses throughout the region.“I could hear that mill day and night, sitting right here. You knew everything was alright. Listen up there now,” said former mill worker Paul Coleman, while looking out the window towards what used to be the noisy mill. “Pretty quiet, isn’t it? Pretty quiet. That’s eerie."Yet, it’s the silence that now haunts Coleman every day. “I had no sights, no goals on retiring. I would’ve kept on working as long as I could,” said the father of four daughters.For nearly 30 years, he worked alongside hundreds of people inside the Luke Paper Mill. He did several jobs over the years, but much of his time was spent as an electrician.“All my family has worked in there,” said Coleman. “The mill was the lifeblood of the community."The mill is nestled into the hills on the Maryland-West Virginia border. For the small towns around it, this big business was really the only business.“Everything was centered around that paper mill,” said Coleman.But last summer, this electrician got the news he couldn’t believe.“He said, ‘The mill’s closing.’ I thought he was kidding,” Coleman recalled. The closure was real, and almost immediately, his unemployment benefits fell short, and eventually, they stopped.“I thank God I had my 401K, which I had to dip into, so we’ve had to live off of that,” he said.Still, the bills piled up, especially the health insurance bills. “Reality is what it is. I know no one is going to want to hire a 62-year-old electrician,” said Coleman.On his fridge are several magnets from the Caribbean islands the family vacationed to over the years. We asked him about those trips, to which he replied, “Anything like that—it’s out of the question. You have to live within your means."The most painful adjustment to Coleman is not having what he needs for his daughter, who is disabled.The family was just able to fix their handicapped van, so they could bring his 21-year-old daughter home from weeks in the hospital. But now, more problems for this dedicated father.“My chairlift is broken down,” said Coleman. "That’s the chair lift we use to get her up and down the steps. I called the guy today and it’ll be ,000 to put a new one in. Where am I gonna get that?”So, each day, he gets to work, fixing what he can.“I don’t claim to be the best of anything,” said Coleman. “I’m not the best electrician, but you don’t have to be, you just have to keep moving regardless of what you’re dealt.”At the height of its operation, the mill employed more than 2,000 people. As technology increased and production decreased, fewer people were needed inside the mill, but even still, when the mill shut its doors, 700 people were left without jobs. That loss extended far past the mill—the entire community felt the pain of this closure.“It went from seven days a week to not really knowing what you’re doing tomorrow,” said Richard Moran, a man born and raised in Allegany County and who supplied coal to the mill for decades. “Lucky to get a 40 hour week now."Moran was forced to lay off dozens of workers when the mill shut down. Months later, his family’s legacy is hanging on by a thread.“Right now, we’re doing odd jobs basically, whatever we can pick up on the side,” he said.He’s not only lost income, he’s lost the future he dreamed of. “I know my kids won’t stick around here," he said. "There’s nothing for them here.”Coleman is worried for the future, too. “I think there’s just an attitude of hopelessness and helplessness that’s here,” he said.Both men agree that attitude is easily fueled by no new jobs and no way to relocate for most living in this rural community.“That’s not an option for me. This is my home, my entire family’s here,” said Coleman, as his granddaughter and two of his daughters all sat in the next room over.The United Steel Workers Local Union President Gregory Harvey said these struggles are only the beginning.“Unemployment ran out, insurance ran out, so now it impacts the area," he said. "Now, there’s people not spending money like they were spending money before."He’s working to get as many of his members and neighbors employed as he can, but the jobs in town are low-paying.“These guys were used to making ,000 a year, and now they’re making ,000. That’s a hit,” said Harvey, a third-generation paper maker himself.Still, the community holds onto hope that this closure isn’t the end. “My hope is that somebody buys this mill and reopens it back up, and if I get the opportunity to go back and work in a heartbeat, do I have to be an electrician? No. I’d go back and shovel a ditch or anything, whatever it took,” said Coleman about wanting to continue providing for his family.His plea like so many of his neighbors: a call to someone—to anyone—to rescue this town and these families.“You’re not investing in concrete. You’re not investing in these buildings. You’re investing in a workforce like no other,” said Harvey. 5223
It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119
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