Property In Lucknow

July 26th, 2023

Property in Lucknow

by

Ashok Sen

Lucknow property is attracting a number of aspiring investors. It is accumulating great attention when property prices in Lucknow are touching new heights. One can invest a lovely amount in properties ranging from the residential and single strain homes. Buying and selling the real estate of Lucknow properties are coming up as an exceptionally advantageous enterprise.

Commercial investment in lucknow gives multiple options along with extensive diversity to the investors. The return on investment also talks in circles as well. There are great advantages in owning any property. The first mention would be of getting easy loan which use to be a tough thing to have in today s times. Secondly, as per the trends, one might draw nice returns if one opts to rent a Property in Lucknow owing to the bustling residential and commercial activities in the city.

[youtube]http://www.youtube.com/watch?v=XFObHA0Ke7M[/youtube]

An investor can delay the plan of selling the property because every month real estate prices are heading northwards. The concern also gains strength from the business point of view when commercial properties have a slight edge over residential properties in the city. But it could not be taken as the rule of thumb. A justification could be seen in the buildings where different business organizations are found bought ones as well as rented ones. Monthly returns are amazing from this perspective. Options variety and the investment portfolio add great charms.

All areas like urban, rising or under urban are seeing a number of options to choose the investment options. This is the consequence of the potential the market possesses. It is of great consequence from even the enterprise look over with the intention of you keep your all options unlock so with the intention of you follow you can supplementary numerous investment options. Although you might struggle to become aware of what the doctor ordered or promising for profit property but after that time was you become aware of it, you can be cool to be digging gold.

However, sooner than lone gets in to the for profit property investment he should very carefully study the promote and make sure of numerous surveys to profit the promote current and strategies. However, if you are not thinking on the for profit foundation, after that it is period with the intention of you make sure of so. The for profit property investment is the by no means finish project and is growing hastily. It is advised to attend seminars, join the groups dealing in property so with the intention of you can profit as much as likely sooner than investing your money in this sphere.

Property in Lucknow

is promising sphere with great returns to the invested amount. thumbs down carry some weight come again? The invested form is. You might hire a real estate agent as well who will help in as long as you with the newest updates regarding the various projects willing intended for the garage sale.

Because of the great residential and commercial projects in North India,Lucknow property is a great choice to dig gold.

Real Estate Builders

in Lucknow are leaving no stone unturned when it comes to unleash a new kind of living as well as doing business.

Townships in lucknow

are showing the new and revived face of Lucknow.

Article Source:

ArticleRich.com

Medical Cannabis Clinic For Chronic Pain

July 24th, 2023

Medical cannabis treatment for chronic pain

Chronic or persistent pain is defined by the NHS as “pain that carries on for longer than 12 weeks despite medication or treatment.”

After an injury or surgery, most people are able to get back to normal. In some cases, however, the pain persists for a long period of time, or even appears without any prior history of disorders.

Aside from chronic pain, fibromyalgia, arthritis, IBS, and other health conditions can also cause this type of pain.

Although chronic pain conditions cannot be directly treated, they can be lessened by treating their symptoms and lessening their effects.

An ageing population and rise in diseases like rheumatoid arthritis are likely to increase the number of people who suffer from chronic pain in the UK. Cannabis for chronic pain helps with pain relief through interaction with endocannabinoids, the body’s own “cannabis” system.

How does medical cannabis help with pain?

The brain and other parts of the body contain cannabinoid receptors. Endocannabinoids are chemicals produced by our bodies that attach to receptors and carry out important functions.

As a result of this system, pain is controlled, mood is controlled, anti-inflammation responses are controlled, body movements are controlled, and epilepsy is controlled.

These receptors are also activated by Phyto cannabinoids, which are plant cannabinoids. Cannabis is therefore capable of being used in so many different ways in medicine.

LVL Health’s plan to make medical cannabis more accessible in the UK

Researchers will be able to conduct future trials using whole-plant cannabis for chronic pain conditions including arthritis, back pain, and fibromyalgia with the help of a feasibility study that has been approved by regulators.

As part of the study, private cannabis clinic LVL Health is recruiting 100 patients, with plans to recruit 5,000 patients in the future.

Approximately 10,000 private patients in the UK have already been prescribed cannabis medicines, most of whom suffer from chronic pain.

However, before prescribing it on the NHS, the National Institute of Health and Care Excellence (NICE) wants more robust data to evaluate its impact, especially as an alternative to opioids.

It is hoped that LVL Health will help close the evidence gap as well as accelerate patient access and improve patient care.

What makes LVL different from other clinics?

The medical cannabis clinic service is completely designed to provide its patients with the most convenient and comfortable method of receiving treatment. Due to this, all assessments, consultations, and medication deliveries are done via phone or online, and all medication is delivered directly to the patient by courier.

Once a patient has had a free initial assessment, included with the cost of joining the clinic, then a Multi-Disciplinary Team consisting of several health care professionals specialising in chronic pain will determine if they are eligible for treatment using medicinal cannabis.

Once the medication has been received, the patient will use an inhaler that pairs with an app on their own mobile device, to allow them to track and control how much they inhale, ensuring consistent and predictable results.

In turn, this will send the data to the clinic for their feasibility trial, so that they can research and analyse the data and make a case for better access to medical cannabis in the UK.

By joining LVL Health, patients will be automatically enrolled in a study programme that has been specifically designed for chronic pain.

A Standard of care programme accessible by priamry care surgeries will be developed using the data collected form the inhalers. In addition to pariticpating in a wider chronic pain study programme, LVL patients are able to access medical cannabis at substantially lower costs.

Latex Clothing And Some Of Its Most Popular Types

July 17th, 2023

Latex clothing has emerged as a recent fashion trend in the market. There are a lot of people with a latex fetish. There are many people who want to buy the latex clothing just because it enhances their sex appeal. This type of clothing is ideal for such people.

The Latex clothing comes in a lot of styles as well as different level of thickness. The popular color for latex clothing include white, red, red black, black among other options.

Latex clothing incorporates a lot of options like body wear, shirts, body suits, hoods, dresses, pants, skirts, cat suits, gloves and stockings. The Latex clothing is designed in way that it is so tight that it fits like a second skin to the person wearing it.

[youtube]http://www.youtube.com/watch?v=imXjMEfIe4o[/youtube]

Latex actually is a semi-transparent rubber; hence people usually wear it to look more alluring. These clothing options are usually worn at latex fetish clubs. Here is a look at some popular types worn by people who love such clothing

* The Latex cat suits are one of the most popular items in the market. These suits feature all sorts of one-piece and skin-tight fitting options. These are meant for both men and women so that they can easily attract a lot of attention. However, they are more common among women.

* The latex hoods are also very popular among people who dress themselves as masked strangers in fancy dress parties. Also available are the various open faced latex hoods for people who do not want to hide their face. They are also popular ion latex fetish clubs.

* The Latex bodysuit is another popular product in the market. It is meant to cover the upper body area like the torso and they also have snaps at the crotch as well as a set of sleeves. It is designed to offer a smooth line when it is worn at the top. Also this bodysuit can easily be tucked out from the trousers and skirts.

* A lot of women these days use the latex garment as foundation garments or lingerie.

The latex clothing is usually made of latex sheets with a slick look. They can keep on shining if they are polished and maintained on a regular basis.

Article Source: sooperarticles.com/shopping-articles/clothing-articles/latex-clothing-some-its-most-popular-types-146606.html

About Author:

The author is an expert on latex clothing. Here he offers information on latex fetish and the different types of clothing included in this fetish, for more visit the website, lustlovelatex.com Author: Wisly Tint

Foods That Melt Away Stomach Fat Shed Body Fat By Eating The Proper Kinds Of Food

July 10th, 2023

Submitted by: Esmeraldacd Jarrod

Shed Stomach Fat For Women- Put on Those Skinny Jeans In two Weeks

That darn abdominal excess fat seems to get expanding every single day. Are you able to envision what these body fat cells are declaring to each and every other? Listen, each you and I both realize that as we boost our waist line, there is a have to lose stomach excess fat. Regardless in case you are a man or lady your opportunity of acquiring a persistent disease increases more and far more till we wind up 6 feet below the ground.

The only distinction is that the body’s fuel is burned extra slowly. But power is also being created at the very same time. The physique utilizes this power for play, for operate and for breathing and digestion. Just like whenever a vehicle is driven to go quicker it requires a lot more fuel. The body could be the identical way. For that additional active individual it demands more meals for power.

[youtube]http://www.youtube.com/watch?v=tVoqA-LKGb4[/youtube]

I employed to be so embarrassed by my unsightly ‘spare tire’ of fat sitting around my midriff. I attempted it all, continually working out and staying away from many of my favorite foods. Everyone around me was in a position to eat fairly much what ever they liked but there was very poor outdated me with my steamed veggies and boiled rice. Even then although, I would have already been delighted if I had worked and I’d managed to shift the belly body fat. Guess what, it just did not occur. Positive, I did lose weight – who wouldn’t, right after all, it’s only a issue of eating less calories than you’re burning is not it? My problem was that the bodyweight I misplaced arrived off my encounter, arms and legs which simply produced my stomach bulge appear even a lot more apparent. It looked as although it had been sticking way out in front of me and if I was to walk into a wall I would have come to no harm as my spare tire would have been the very first thing to contact, acting like a giant airbag! I wondered whether or not I would ever regain the physique shape I employed to possess back again in my early twenties.

Steer clear of or reduce the amount of refined sugar which you consume on a daily foundation. One factor you are able to do is drink your tea or coffee black. Steering clear of both sugar and cream can be a easy step which will produce a major distinction within your body fat reduction quest .

Subsequent, it’s crucial to physical exercise. People who are most effective at losing belly excess fat do so by combing resistance coaching with some type of substantial intensity interval cardio coaching. By doing resistance kind of physical exercise you develop muscle. And don’t worry; I’m not talking concerning the physique constructing sort of muscle. Circuit coaching assists to create tone so your muscles look nice and firm without any jiggling .

Higher intensity interval cardio helps you lose belly body fat at rest. The concept behind this kind of training would be to burn “sugar” throughout exercise and body fat at relaxation. There is a difference among common cardio and interval cardio. Common cardio is dull twenty to thirty moment jogs on a treadmill staying at the exact same pace. Substantial intensity interval cardio is completing repeated all out burst of energy for 30 seconds to a moment with 30 seconds to minute rest for 15 to 20 minutes.

Usually when men and women try to obtain rid of their belly body fat, all it does is stick there like bubblegum to a blanket. It can grow to be a by no means ending fight along with a demoralizing encounter. A lot of people wind up inside a spiral of dieting, working out, taking tablets and all sorts of dietary supplements within the hope of discovering the ‘magic body fat bullet’ they dream about. A number of the diet plan pills taken by desperate chubby folks have even been recognized to trigger them serious damage. Placing oneself via all that only to come across that you just haven’t managed to lose an inch off your waistline may be an extremely demoralizing and de-motivating experience .

Get heart though, there genuinely are helpful approaches of obtaining rid of belly body fat. Maybe this New Yr you created a resolution that, what ever occurs, this really is the year you may beat that belly! No much more acquiring to hide it under shirts or perhaps a gown constructed like a tent within the desire that nobody will discover. No additional staying away from the seashore or wearing one-piece swimsuits with built-in physique shaping.

About the Author: This is the way how you can loose your belly fat fast :

bellyfatlose.net/top-5-foods-to-eat-to-lose-belly-fatbellyfatlose.net/top-5-foods-to-eat-to-lose-belly-fat

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Common Questions Regarding Maintenance Of Unilock Pavers In Connecticut

June 25th, 2023

byAlma Abell

Unilock pavers in Connecticut offer a wide array of products in different colors and styles. They can help you to create your ideal space, with minimum effort. Using the maintenance tips here will help you to keep your pavers in great condition.

How do you de-ice the Unilock Pavers?

When you are applying any de-icing salts on your driveway you should use caution to ensure you do not use too much. It is important to use calcium based products or even rock salt, which is sodium Chloride, which are both safe for the de-icing process. It is also recommended that you stay away from any magnesium based products, as they can be very aggressive and cause serious damage on the surface.

Is shoveling a Unilock driveway possible without damaging the pavers that are present?

If you shovel the driveway, you should use a plastic shovel, or when you are plowing you need to use plastic protectors over the blades. If you use metal blades on a plow it can actually scratch the surface, which will ruin the entire appearance.

Should Unilock pavers be sealed and how soon should it be applied?

Sealing the pavers is a completely personal decision. This process is usually used to either deepen or enhance the color of the actual pavers and to also protect the surface from any staining materials. If you want to seal the pavers, then you should ensure that they are completely clean and that they are free from any type of efflorescence. It is recommended to wait approximately two to three months before applying the sealant.

Will resealing ever be necessary?

If you make the decision to seal your pavers, it is highly recommended that you reapply the sealer at least every three to five years. This is mainly due to the fact that it will wear away with time.

How do you prevent weeds from coming through the pavers?Weeds that pop up are not originating from beneath the pavers, but instead from seeds that wind up blowing from other places and that fall into the joints and then germinate. The ideal way to prevent any weed growth is to use a filling compound in the joints. Also, never place plastic beneath the pavers, as this will keep the joints completely wet and only make the weeds grow much faster. Click here to know more.

Online Shopping For Canadians

June 17th, 2023

Online Shopping For Canadians by Donte McEncroePale teal aqua blue and brown chevron zigzag sample chic girly iPhone case. The cart pushers and waiters are additionally quite aggressive in recommending some plates, effectively taking a passive stand as you may take it for those new to this place and not used to saying no. Having mentioned that I’ll transfer on to their Cantonese dishes that you would be able to order on their menu.To Login to Jewels of Hope, please provide your username and password. Soak up Rome, Florence and Venice on this iconic adventure – with free time to explore each metropolis by yourself too. Cobalt JewelRadius: Massive (1500)(15-20)% increased maximum Mana. With each land they consumed.Place into an allotted Jewel Socket on the Passive Ability Tree.She later had a cameo as herself in Walk Onerous (2007), fifty seven In June 2012 Jewel was cast within the lead function as June Carter Money within the Lifetime original movie Ring of Fire 58 In 2017, she appeared in two tv thriller films on the Hallmark Channel : Framed for Homicide: A Fixer Higher Thriller, and Concrete Evidence: A Fixer Higher Mystery, each by which she plays the character Shannon Hughes, a contractor and investigator.This section of a biography of a residing individual doesn’t embrace any references or sources Please assist by adding dependable sources Contentious materials about dwelling folks that is unsourced or poorly sourced should be eliminated immediately.Cobalt JewelRadius: Large (1500)(3-6)% increased maximum Power Defend. And altered…Place into an allocated Jewel Socket on the Passive Skill Tree. That a Perandus will not pay.Place into an allotted Jewel Socket on the Passive Skill Tree. Afterwards, you will take pleasure in a delicious gentle dinner of Italian specialities, alongside native music and drinks.In it, every motion of the ballet, then called Le Palais de Cristal, was costumed in a distinct jewel color. Fairly like desperation.Place into an allocated Jewel Socket on the Passive Talent Tree. Viridian JewelRadius: Medium (1200)(7-10)% elevated Projectile Damage.Jewel Academy is a gem-crammed, motion packed recreation with a ton of ranges to complete. Increases and Reductions to Chilly Injury in Radius are Reworked to use to Physical Injury Winter gives us together with her personal weapons, hanging from the eaves of our homes.Place into an allotted Jewel Socket on the Passive Ability Tree.Sicis studied micro-mosaic jewels collections of the ‘seven hundred and ‘800 preserved within the Hermitage Museum in St. Petersburg or within the Vatican Museums for over 25 years of historic analysis, resulting in the institution of an atelier for the research of micro-mosaic artwork.I’m Donte and I live with my husband and our 2 children in Forcoli, in the PI south part.My hobbies are Driving, Roller skating and Homebrewing.If you have any thoughts pertaining to where and how to use rhinestones, you can get hold of us at our own page.Article Source: eArticlesOnline.com

[youtube]http://www.youtube.com/watch?v=o_1EpWP4caM[/youtube]

Itchy Male Organ And Crabs: To Shave Or Not To Shave?}

June 13th, 2023

Submitted by: J Dugan

There are a lot of things that come with owning a male organ, and unfortunately the prospect of the occasional itchy manhood is one of them. Although having to scratch every now and then is not a big deal, it can become annoying, distracting and downright embarrassing when that itching becomes chronic such as is typically the case when the cause of that itch is the dreaded crabs. Paying enhanced attention to male organ health can help to diminish the chance of acquiring crabs. But even so, accidents can happen, and a man should be prepared to know how to deal with these unwelcome visitors.

So what are crabs?

Most adults can recall lice scares at their schools, incidences in which a child brought head lice to school, which spread from one student to the next. Crabs are related to head lice, but fortunately are not as easily spread.

Called crabs due to their crab-like appearance, they are tiny usually less than one-tenth of an inch. They are parasites that typically live in the male organ area, although occasionally they can be found in other hairy parts of the body, such as the armpits or the chest. These tiny insects are harmless in the sense that they dont spread disease, but once they get in the skin and start feeding, they produce a hard-to-resist urge to scratch.

[youtube]http://www.youtube.com/watch?v=Ezg4sr67OGA[/youtube]

Most of the time, crabs are passed on through skin-on-skin contact while engaging in sensual activity; more rarely, they can be caught from the bedsheets or towels of an infected person. Since the lice tend to congregate in the member hair rather than on the manhood shaft, wearing a rubber protective device is not usually effective in preventing crabs from spreading.

Shaving

Since the lice tend to make their home in member area hair, it has often been assumed that shaving the male organ area is a good way to rid the body of these pests. The theory is that often the act of shaving itself will get rid of the lice, and the absence of a warm, hairy place to hide will make it easy to spot and dispose of any lingering invaders.

But thats not really a correct assumption. While its true that the razor can dispose of some of these crabs, it catches only a small percentage of them. Many more are left on the skin, and because they are so small, it is difficult to find them with the naked eye.

So does that mean a guy shouldnt shave? Not at all. While shaving the manhood may not cure an itchy male organ caused by crabs, it does make the area more inhospitable to them and also makes it easier for a doctor to spot them with a magnifying lens. In addition, the absence of a thick thatch of hair makes it easier to apply products that can be helpful in getting rid of the pests.

After shaving

Once the area has been shaved, it is more receptive to medications that can kill the crabs. Although there are over-the-counter medications that work well, its wise to check with a doctor first to determine the most effective course of action to take.

Crabs are more an annoyance than anything else, but an itchy male organ can cause a man embarrassment and be bad for his self-esteem. The urge to scratch can be decreased via regular use of a superior male organ health crme (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). Male member skin that is well-hydrated is less likely to require itching, so using a crme with a combination of excellent moisturizers (such as Shea butter and vitamin E) is strongly encouraged. In addition, be sure the crme is equipped to keep the manhood skin is overall good health; a crme with alpha lipoic acid, a powerful antioxidant that fights free radicals and resultant oxidative stress, can be especially beneficial.

About the Author: Visit

menshealthfirst.com/

for additional information on most common male organ health issues, tips on improving male organ sensitivity, and what to do to maintain a healthy male organ. John Dugan is a professional writer who specializes in men’s health issues and is an ongoing contributing writer to numerous online web sites.

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isnare.com

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}

Home Loan Mortgage Loan Refinance Refinancing For A Shorter Term To Save Money

June 11th, 2023

Submitted by: Carrie Reeder

Saving money with lower rates isn t the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker.

Better Rates

A 15 year mortgage has a better rate than a 30 year mortgage offered the same day usually by a quarter of a percent. However, even if rates are the same as your current mortgage, refinancing to a shorter mortgage can save you thousands in interest by paying off the principal sooner. Your monthly payments will be slightly larger, but that is because a larger portion of the balance is being paid.

Offers Self-Discipline

[youtube]http://www.youtube.com/watch?v=iCzTQ7WpPpk[/youtube]

Short term loans make your decision to pay off your mortgage official. For those that have a hard time making extra payments on their mortgage, a short term mortgage may be the answer.

It is helpful to first look at your long term financial goals. Perhaps you are planning to pay for kids college tuition, to retire, or to reduce your debt load in the future. Decide when you want your mortgage paid off and look at the monthly payments. You can choose a number of periods 15, 20 or 25 year home loans.

Factors To Consider

Low rates aren t the only factor to consider when deciding to refinance, the payment period is also important. By simply making larger principal payments, you get rid of your loan sooner and save money on interest payments. Additionally, reducing your debt level by paying off your mortgage also improves your credit and financial situation.

However, you should also remember the immediate impact of a short term mortgage. A larger monthly payment can put a strain on your monthly budget. You may also find that if you plan to sell your home within a couple of years, you will not recoup the cost of refinancing fees.

You are also limiting your financial flexibility. You are committing yourself to a larger principal payment. You could choose to simply pay down the principal when you have the available cash.

In the end, short term mortgages do have their benefits and should be considered when you plan to refinance.

About the Author: View our recommended mortgage

Refi

lenders.Carrie Reeder is the owner of

ABC Loan Guide

, an informational website about various types of loans.

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Everything You Need To Know About Cox Voice

June 8th, 2023

While the world has changed significantly, one thing has remained constant, our need to communicate with the people around us. We are always looking for new ways to stay connected to our loved ones be it with a long email or a spontaneous social media post. Although we have adapted to many of the new mediums of communication, there is one medium that has existed for around 143 years and is still in use, mainly because it is one of the most reliable ways of staying in touch with people. Landlines were invented by Alexander Graham Bell in 1876 and they gained commercial popularity in the 1900s. To this day landlines are considered the most reliable and safest method of communication.

Cox is one of the most trusted and reliable internet, TV and phone services providers in the United States. It has over 6.5 million customers, including 3.5 million Internet subscribers and around 3.2 million digital telephone subscribers. It is the seventh-largest telephone carrier in the country making it one of the best home phone service providers. Read on to find out more about Cox home phone services and why they are considered the best:

What is Cox Voice?

Cox uses the upgraded digital fiber-optic cable network to deliver its customers high-quality home phone services with crystal clear voice and other added calling benefits. It uses IP tech to transmit phone calls over an IP-based data network that it manages by itself ensuring safe and secure communication.

Cox Voice Plans and Bundles

Cox offers different plans and bundles designed to fit the various needs and requirements of every household size. It offers stand-alone home phone services for those who only want to subscribe to Cox Voice.

  • Cox Voice Preferred Plan
  • Unlimited calling coverage nationwide and
  • Unlimited international calling coverage to Canada, Mexico and more
  • Around 20 calling features

Although, it advises its customers to bundle Cox services together in order to make the investment more worthwhile. It gives its customers the liberty to create their own customized bundles by just choosing a Cox Internet speed, and a Contour TV plan and adding both or any one of them to their Cox Voice subscription. Here’s a bundle of all Cox services just for $169.99 per month:

  • Cox Voice Preferred with Cox Internet Preferred & Contour Preferred
  • An internet connection with a download speed of up to 150 Mbps
  • 25 terabytes monthly data
  • 140+ channels including Food Network, ESPN, HGTV, and more
  • Unlimited calling coverage
  • 20 calling features

List of Cox Voice Digital Calling Features

Calling features are the added benefits that make voice communication over a phone hassle-free. Cox Voice offers 20 popular calling features that can aid in making phone communication less troublesome.

  • Speed Dial: This allows you to add your 8 favorites, frequently called numbers to the speed dial. You can assign a dedicated button on your device to each number and click on that button to talk to that number
  • Selective Call Forwarding: Forward calls from selected numbers to a different number
  • Call Waiting: This feature allows you to put one caller on hold while you attend the other call.
  • Caller ID: Enabling this feature would allow you to see the caller’s name and number on your device
  • Three-Way Calling: You can have a mini-conference call by enabling this feature. Add two more callers and talk to them at the same time.
  • Block Anonymous Calls: You can block calls from callers whose caller ID is hidden
  • Block Robocalls: Block unwanted calls from telemarketers or any other computerized or pre-recorded calls.
  • Busy Line Redial: Redialing a number repeatedly for 30 minutes until it’s no longer busy.
  • Caller ID Blocking: If you want to hide your caller ID when you call others, activate this feature and it’ll appear as “private” on the other person’s device.

Wrapping Up

Cox Voice is one of the top home phone services available in the United States. It offers its customers a wide range of benefits from crystal clear audio quality to customized bundles. To find out more about different home phone service providers, head on over to BuyTVInternetPhone, and check out a wide array of home phone service plans and bundles.

What Happened To California Hmo Health Insurance Plans?

June 1st, 2023

By Dennis Jarvis

What a difference a decade can make. We remember getting the phone calls and going through various California health plans with people. We would eventually get to the question of HMO or PPO. We might be discussing a PPO plan when the person on the phone would ask, “But aren’t PPO plans more expensive?”. They use to be but not anymore. Let’s go into the slow but steady disappearance of HMO plan on the California individual health insurance market.

So what happen? Where did all the HMO plan go? The short answer is that they went real expensive and any plan that goes real expensive in today’s California health market quickly fades into oblivion. Let’s take a quick look at the history of HMO’s, their progression, and most importantly…how they stack up today as an option for health coverage on the individual market. Keep in mind that group health insurance in California is quite different which we’ll get into later. First, how did the HMO’s come about.

[youtube]http://www.youtube.com/watch?v=Gox9fjqzpJc[/youtube]

We’ve had a series of inflation periods in California health coverage. HMO’s and PPO’s were developed to try and counter one of these spells of inflation and they worked…for a while any way. This was the era of “managed care” which although the source of some derision, did what it was supposed to do and curtailed the onslaught of rapidly increasing health insurance rates. This period occurred from 80’s on and kept rates down until around the early 2000’s. HMO’s were a key part of this managed care initiative which flipped the responsibility of health care cost management on it’s head so that doctors were now given a capitated amount per person per month to treat patients. This was quite different from the indemnity style plans which basically payed as you used the coverage regardless with very little management from the California health insurance carrier. As a result of this management (through financial incentive to the doctor), HMO’s became attractive cost options especially to the group health market. Like we said, what a difference a decade makes.

Various changes occurred that impacted HMO’s ability to keep cost down. By definition, HMO’s are more managed in terms of the care. This is great for keeping costs down but doesn’t generate great PR and there was push back from the insured and eventually, the State government. Restrictions increased and HMO’s became more flexible as a result. Unfortunately, more flexible in a manage care means higher costs. The other issue is that HMO’s generally had richer benefits and in a world of ever increasing health care cost, absorbing more cost even under greater management doesn’t bode well. You can manage medication costs (say mandate a generic over a brand) but you can’t really manage an open heart bypass. With obesity skyrocketing, there are going to some real-world health care costs that can’t really be “managed” away. So where are we now?

For every 100 policies we issue, maybe…MAYBE 1 is an HMO and that’s probably an outlier. This is the individual market. The reason is simple. First, many of the HMO’s have deductibles built in now (not as rich) and they can be double to triple what PPO plans are. When you look at the annual premium difference, it’s hard to justify getting an HMO plan. It’s almost impossible. Okay, it’s impossible. We can’t think of a situation where a California individual HMO plan makes sense. Group insurance is difference where the cost comparison is still more favorable towards HMO’s but with the underlying trends in the market, it’s probably only a matter of time before they follow suit. Unfortunately, there are two ways to reduce health care cost. One is to restrict benefits or manage care the way HMO’s attempted or the other is to offer incentives (financial) for people to take better care of themselves. Eventually, we’ll get to the latter once we realize that we have no stomach for the former. You can quote PPO and HMO health plans side by side at our site www.calhealth.net

About the Author: Dennis Jarvis is a licensed California health insurance broker with extensive knowledge of the Individual and Small Group health market in California. Individual California health insurance

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