Atlantic Health System

Atlantic Health System is one of the largest non-profit health care systems in New Jersey, providing a wide array of health care services to the residents of Northern and Central regions of the state as well as Pike County, PA, and southern Orange County, NY.
We are comprised of Morristown Medical Center, Overlook Medical Center, Newton Medical Center, Chilton Medical Center and Goryeb Children’s Hospital. These world-class facilities feature state-of-the-art equipment in a comfortable, family-friendly environment that puts patients first. We also have many additional locations offering physical rehabilitation, urgent care, radiology, pediatric care and other outpatient services throughout New Jersey and Pennsylvania.
Our health care professionals always search for the most effective diagnosis and treatment options for each patient and are leaders in their fields. We specialize in: pediatrics, orthopedics, cancer care, rehabilitation medicine, women's health, cardiovascular care, sports medicine and neuroscience.
Atlantic Health System is recognized as a leader in quality health care in our region and nationwide. We are an affiliate of The Mount Sinai Hospital and Icahn School of Medicine at Mount Sinai, and are the official health care partner of the New York Jets and an official health provider of the New Jersey Devils. Our hospitals are accredited by The Joint Commission and members of AllSpire Health Partners.

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Best Hospitals: Some Tips to Find One

U.S. News and World Report recently named the “best” hospitals in the U.S.   The marketing hype surrounding the list needs to be balanced with the reality of what good care means.  Although the magazine names some of the best, they also name others who by coincidence pad the magazine with full page ads. That is the nature of the magazine trade, selling ads for stories.  But health care is a different commodity than a car or washing machine.  Your life may depend on the quality and judicious doctoring that the institution provides.  For melanoma care, you do need a specialist opinion because of the complexity of the treating the disease.    Here are some tips in finding a place of excellence:

1.      Look to the doctors who practice at the hospital.  Are they published in recent research about melanoma?   Look to see:  http://www.ncbi.nlm.nih.gov/pubmed.

2.      Where did the medical providers train? Was there a melanoma program where they trained?

3.       Are the clinical trials offered up-to-date or using old therapies?  The hospital website should have a list of their clinical trials.

4.       Do they have a melanoma group that incorporates the many specialties you might need:  dermatology, surgical oncology, oncology, radiology, neurology, etc. 

5.      What do other patients said about the institution? (look to www.melanomaforum.org  for that)

6.      Is it a big city hospital where you might be lost or a smaller place that still has excellent research?  Both have their attributes.

7.      Does the institution have the approval and accreditation of the National Cancer Institute?

8.      Is the hospital a non-profit or for-profit (although there can be little difference these days)

9.      Does the institution accept most health insurance policies?  Beware of those who don’t.

10   Is the hospital a teaching institution?  The staff is usually up to speed with a training program in place especially if it is in melanoma.

I know the tendency is to want to stick close to the safety of your own home when you have a melanoma diagnosis.  But traveling meant the world of difference to my treatment.  Hospitals are daunting places that make you feel powerless.  Take an advocate with you, friend or family member who can support you when you run into any difficulty.  Remember you are paying them for a service and not the other way around.  You should be treated with full respect and given careful diligence on decision making no matter what hospital you choose for your treatment.

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HEALTH INSURANCE

Most significant congenital heart conditions require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate healthcare coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. In most cases, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.

Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, despite your heart condition. Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. If your heart condition is relatively complex, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.

If group coverage isn't possible, you may need to get insurance through a "high-risk" pool. Unfortunately, this can be expensive.

If you're currently covered under a group plan, such as your parents' policy or a policy through work, and your coverage is due to end, you can pay to continue your policy for up to 18 months under a federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA). To be eligible for COBRA, you have 60 days from the time of termination to notify the appropriate person at your parents' or your employer that you wish to extend your coverage.

If you have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for coverage under a new insurance plan or policy, based on specific exclusions, or there may be waiting periods before you can receive full benefits.

https://youtu.be/yZlETG_iKNI

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Home Owner’s or Renter’s Insurance

Home owner’s insurance is a must for protecting you from damage, disaster or theft related to your residence. If you own your home, it will protect the cost of your primary investment. Renters should also consider purchasing renter’s insurance to help cover the cost of replacing possessions. Check with your insurance agent to determine the coverage types and amounts that are recommended based on your location, cost of your home and risk of facing disasters like flooding, fire or earthquake.

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Home Insurance And Decorating

There are several points to consider before decorating. Important points include which colour scheme to go for, how best to acquire the requisite tools for the job and how long the job will take to complete. More important than any of these considerations is the impact that any decoration – or, more likely, attempted decoration – will have on the home insurance policy undertaken by the homeowner. This is not always a consideration that is at the forefront of the mind as the redecoration of a room looms large, but it is sure to be the main focus of all minds if anything were to go wrong. It is therefore vital to understand exactly what is achievable with any renovation – whether that is in terms of building regulations or considerations of home insurance.

Before commencing any work, a would-be renovator should review his home insurance policy to refresh himself with exactly what is and is not covered. A list of generally accepted home insurance policies can be found online, along with details of how to search for comprehensive insurance cover.

For example, a home insurance policy would not be valid if a policy holder undertook the installation of an electric shower. Such electrical installations are covered by Part P of the Building Regulations, and are therefore required to be carried out and certified by an electrician registered with a government-recognised accreditation body, such as the NICEIC or ECA. The same is true of gas installations, which must be completed by an engineer accredited by the Gas Safe Register.

While such renovations are more complex (though nevertheless attempted by homeowners still used to more laissez-faire regulatory procedures), there are a number of “standard” renovations still attempted without proper care and attention to the home insurance policy. A common error made during renovation is the lack of care given to using the correct materials. Attempting to sand or strip using hard machinery without first reading and complying with safety instructions is sure to invalidate any insurance claim, as is not wearing the correct attire. While many people in an everyday situation would concede that it is a necessity to wear the requisite protective gear when using heavy electrical equipment, they often lose site of the correct procedures when presented with a renovation task.

When renovating it is also important to take all steps possible to reduce every aspect of risk. In a commercial environment this document is called a risk assessment, but there is no equivalent in the private home. However, assessing the dangers is vital to ensure both health and insurance are intact when it comes to completing the work and making any subsequent claim. Simple things such as checking the safety of equipment and ensuring electric wires are kept out of the way make a big difference when it come s to the success of such decorating projects.

While it may be appealing to save money by completing the work without due care and attention, when compared to the cost of an invalid claim it is a false economy. The saying goes that it pays to be smart, and this is no truer than in home decorating. In consideration of your own home it may make sense to bring in the professionals.

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The Importance of Life Insurance

Have you ever wondered if you needed to take out a life insurance policy on yourself or your family? That is actually an interesting question. It is very wise for you to have considered such an important question. You should definately give you and your family the protection that they deserve.
Insurance Companies
There are many different insurance companies to consider. Some insurance companies offer the build up of cash value that you can borrow against in a great time of need. Other insurance companies double the protection plan during a certain time frame or age.
Insurance Policies
There are also different types of insurance policies. The whole life insurance policy provides life long protection. Another kind of insurance to consider is term life insurance which is set up for an alloted amount of years. The only negative aspect of the term insurance is that when the term of years are over, you will have to pay alot higher premiums. This is a decision that you may want to discuss with someone that aquires knowledge on life insurances.
There are many different policies that you can research to see which best accomidates your needs. You will need to figure out how much insurance that you need. If you are single and have no children, then you will probably just need to take out a small policy to cover funeral expences. If you are married and have children, you may want to take out a much larger policy. Death in itself puts alot of strain and tension on a family, but if you are not financially where you need to be when your loved one passes away, then it hits you even harder.
The difference between whole life and term life insurance is that whole life insurance stays at the same rate all of your life as long as you pay the premiums. Term life insurance is only set up for an alloted amount of time, then if you want to reinstate your policy, the premiums will be much higher.

https://youtu.be/qgnOixcxDZM

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Business Insurance

Business Insurance enables you to conveniently tailor-make a policy with various covers in order to protect your business. Our business policies cover commercial, professional and retail businesses and include insurance to cover damage by fire and perils, burglary, business interruption, glass, money, public and products liability as well as machinery breakdown, electronic equipment, deterioration of stock, goods in transit, general property, fidelity, tax audit and more, depending on individual insurance company's policies. This insurance is especially suited to small to medium business owners.

 

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Health insurance and travel insurance

Health insurance is a topic that some expats try to ignore. Many who abhor the idea of the “nanny state” end up in Cambodia and, sticking to their guns, choose not to purchase insurance. It’s only when they end up in the hospital after getting into a moto accident that they learn the folly of their ways.
While Cambodia is not a very dangerous place, its roads are. And while basic medical care is quite inexpensive, there are many procedures that no one who cares about his health should have done here, and medical evacuation is very, very expensive. If you’re not insured for it, expect to spend upwards of $20,000 if you need to be airlifted to Singapore–and your transporters will expect to be paid up front.
Many expats get by using only travel insurance. For those who are in Cambodia for a short period of time and who have a national health-care system at home, this is a reasonable choice. Travel insurance is much cheaper than expat health insurance, primarily because it will usually only cover enough care to stabilize you. For example, if you’re in a serious car accident, travel insurance will cover your acute-care hospital bills but won’t cover the months of rehabilitation you’ll need. They will, however, send you home, so for those who have some kind of coverage in their home country, travel insurance can be a good option.

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Studio in Bloomsbury (LN-1197) -:- [ 1 ], 03

The interior photos are from a model apartment in the building. The model apartment is representative of both the quality and style of apartments offered at this location. Description, floor plan and photos are for reference purposes only. Actual apartment's dimensions, layouts and furniture may vary.

https://youtu.be/hZdbpp0U6ws

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TRAVEL INSURANCE FOR HEART CONDITIONS

We insure people with heart conditions day in, day out and whether you live with atrial fibrillation, angina, cardiomyopathy, heart failure or have suffered a heart attack, you are entitled to enjoy a holiday just like any other person and with Freedom’s specialist cover, you can do just that.

Freedom’s travel insurance for people with heart conditions provides significant benefits, not least of all a 24 hour medical emergency service. The Medical Assistance line is operated by multi-lingual speakers who have medical expertise, contacts and facilities to assist you should you become unwell, so no matter where you are in the world, help is never far away!

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HEALTH INSURANCE

Most significant congenital heart conditions require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate healthcare coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. In most cases, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.

Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, despite your heart condition. Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. If your heart condition is relatively complex, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.

If group coverage isn't possible, you may need to get insurance through a "high-risk" pool. Unfortunately, this can be expensive.

If you're currently covered under a group plan, such as your parents' policy or a policy through work, and your coverage is due to end, you can pay to continue your policy for up to 18 months under a federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA). To be eligible for COBRA, you have 60 days from the time of termination to notify the appropriate person at your parents' or your employer that you wish to extend your coverage.

If you have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for coverage under a new insurance plan or policy, based on specific exclusions, or there may be waiting periods before you can receive full benefits.

https://youtu.be/yZlETG_iKNI

Most significant congenital heart conditions require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate healthcare coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. In most cases, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.

Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, despite your heart condition. Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. If your heart condition is relatively complex, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.

If group coverage isn't possible, you may need to get insurance through a "high-risk" pool. Unfortunately, this can be expensive.

If you're currently covered under a group plan, such as your parents' policy or a policy through work, and your coverage is due to end, you can pay to continue your policy for up to 18 months under a federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA). To be eligible for COBRA, you have 60 days from the time of termination to notify the appropriate person at your parents' or your employer that you wish to extend your coverage.

If you have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for coverage under a new insurance plan or policy, based on specific exclusions, or there may be waiting periods before you can receive full benefits.

https://youtu.be/yZlETG_iKNI

- See more at: http://news-eyning.blogspot.com/2015/05/health-insurance.html#sthash.ZUvwU5bp.dpuf

Most significant congenital heart conditions require lifelong monitoring and treatment by a cardiologist. That's why it's important to obtain and maintain adequate healthcare coverage with a policy that lets you see physicians with special knowledge of adults with congenital heart disease. In most cases, as you reach adulthood you won't be able to obtain health insurance through your parents' policy.

Generally, the best way to get coverage is through your employer's group health insurance. Most large companies will offer you group health plans at reasonable rates, despite your heart condition. Seek plans that don't have pre-existing condition clauses that may exclude coverage for your heart disease. If your heart condition is relatively complex, be sure your plan allows you access to a cardiologist who's experienced in treating congenital heart disease in adults.

If group coverage isn't possible, you may need to get insurance through a "high-risk" pool. Unfortunately, this can be expensive.

If you're currently covered under a group plan, such as your parents' policy or a policy through work, and your coverage is due to end, you can pay to continue your policy for up to 18 months under a federal law called the Consolidated Omnibus Budget Reconciliation Act (COBRA). To be eligible for COBRA, you have 60 days from the time of termination to notify the appropriate person at your parents' or your employer that you wish to extend your coverage.

If you have health insurance through your employer, be very careful when changing jobs or policies. You may not be eligible for coverage under a new insurance plan or policy, based on specific exclusions, or there may be waiting periods before you can receive full benefits.

https://youtu.be/yZlETG_iKNI

- See more at: http://news-eyning.blogspot.com/2015/05/health-insurance.html#sthash.ZUvwU5bp.dpuf

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Studio in Bloomsbury (LN-1197) -:- [ 1 ], 03

The interior photos are from a model apartment in the building. The model apartment is representative of both the quality and style of apartments offered at this location. Description, floor plan and photos are for reference purposes only. Actual apartment's dimensions, layouts and furniture may vary.

 

https://youtu.be/CpXk7IZRPR4

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Sneak Peek: Mont Rochelle, Franschhoek, South Africa

Why Go: Richard Branson’s high-end hospitality arm Virgin Limited Edition has taken over a well-liked country-house hotel in South African wine country. Mont Rochelle already had going for it a great chef and a scenic hilltop location in Franschhoek—a haven of wine tours, fine food, and luxury resorts. But the decor was drab and a few areas needed updating. Enter Virgin, a chic hospitality collective of six resorts, one restaurant and event space, and one catamaran. What to Expect: If you have experienced Branson’s other resorts, his airlines, his record label, his space tourism company, and so on and so on, you can expect the same vibe in South Africa: hip surroundings and relaxed but buttoned-up service. Virgin Limited Edition has invested about $3.2 million in the 100-acre property since closing it down in May. Returning guests will notice all-new furnishings, fabrics, and artworks, a better-looking pool area, and a new two-treatment-room spa with a hammam and treatments by the essential-oils experts Africology. There are still 22 rooms (from about $260, including breakfast), including six suites. The two largest have their own plunge pools and most look over the valley to the picturesque Franschhoek Mountains. Local fine-dining restaurants abound among nearby wineries and resorts (note the Tasting Room down the hill at Le Quartier Français). Mont Rochelle has two eateries of its own. Miko is the new name for the beloved gourmet restaurant that has maintained its chef but upgraded its look. A short walk or shorter drive away, to the resort’s wine-tasting room, is the adjacent Country Kitchen, which pairs meals with Mont Rochelle wines in a more casual setting than Miko’s. Most of the staff has remained, and they are reportedly newly fluent in that distinctively smart Virgin-style service.

 

https://youtu.be/coAb83PeI0g 

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Volcano fears spark travel insurance inquiries

Holidaymakers hoping for a trouble-free trip may yet find their travels disrupted by further Icelandic volcano activity this summer, according to volcanologists. Magnús Tumi Gudmundsson, professor of geophysics at the University of Iceland, said: "The previous activity lasted for 14 months with long spells of inactivity, so on the basis of the history of this volcano we are not convinced that the current activity is over." Any new eruption could boost demand for "volcano insurance", following a surge in demand after Eyjafjallajökull erupted in April, leading to air travel disruption across Europe. This led to huge interest and increased sales of travel insurance add-ons to cover airspace closure, according to figures from Aviva and web research company Greenlight. The number of people searching on Google for "volcano insurance" increased from 58 searches in March (were they volcanologists who knew what was coming?) to 9,900 in April – an increase of 17,000% – while "travel insurance compare" increased, month-on-month, from 18,100 searches in March to 33,100 in May. As a result some websites attracted a huge number of clients during April.Moneysupermarket.com benefited most, with a surge in travel insurance-related traffic of 27% from 15-20 April. By contrast, searches for home insurance products dropped from 1.3m to 476,000. In May Aviva, the UK's largest insurer, announced the launch of an optional add-on to its standard travel insurance policy, offering extra protection should customers' holiday travel be affected by UK airspace, port or airport closure. Aviva's Sally Leeman said that since they began offering the added cover 83% of existing customers who have called the group about the product have gone through with the purchase, though the insurer could not give a figure for how many actual added policies were sold. Aviva's standard cover offers £25 a person for every full 12-hour period of delay up to £250 between the scheduled departure of the original flight and the eventual departure time. The add-on raises this to £100 a person for every 24 hours that the policyholder is unable to return home (to a maximum of £1,500), irrespective of any help given by the travel provider or airline. A second option offers up to £1,000 a person for any "necessary and reasonable" travel expenses where after 24 hours you unavoidably have to make immediate alternative arrangements to get home, which your holiday provider cannot arrange. It will also pay for emergency medical supplies required to prevent a deterioration or exacerbation of an existing condition. 

https://youtu.be/9qFB6SbmzdI

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What's gnu? Insurance for older travellers

We've had meerkats and the Churchill nodding dog – now it is gnus that are breaking into the insurance world. Gnu Insurance is a brand launching next week that will target older travellers, including those with pre-existing medical conditions. People should definitely consider it for a quote, but Guardian Money's quick non-scientific price test suggests it will be pricey for some conditions. Global financial giant Aegon came up with Gnu Insurance – which goes live on Thursday – after "spotting a gap in the market". It will offer single-trip cover with no upper age limit; annual multi-trip insurance for those up to age 85; and a new product for under-85s called Pay Per Day aimed at "the spontaneous holidaymaker". It says it can cover all pre-existing medical conditions, many at no extra cost. In recent years, many older people have struggled to find firms willing to insure them for trips abroad, especially if they have current or past health issues. However, there are now more such companies than you might think, from big names such as Saga and Age UK to smaller players. In a September 2009 Money article we highlighted a policy called EHICPlus which was unusual in not having an upper age limit for either single-trip or annual policies. Unfortunately, the terms have changed and there is now an upper age limit of 79 for both. We had a quick look at what an older person with and without pre-existing conditions might pay. Using comparethemarket.com, we sought quotes for "Robert Jones," a Londoner looking for a basic single-trip policy for a week-long holiday in Europe in July. He will be 75 at the time of the trip. Columbus Direct came out cheapest with its bronze policy costing £16.84. But what would happen if Jones had some pre-existing medical conditions? We declared two – cancer of the gallbladder and hypertension – and were pleasantly surprised to find these were both accepted. Our premium would rise to £62.86. However, this may have been down to the way we answered the questions about Robert's treatment. How would Gnu Insurance fare with the same scenario? The quote Jones would receive online for its silver cover was £40.18, excluding medical conditions. The quote obtained via its call centre – including cover for gallbladder cancer and hypertension – would be a whopping £750. Which shows just how important it is to shop around.

https://youtu.be/dIzvZKIhhRw

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Volcano fears spark travel insurance inquiries

Holidaymakers hoping for a trouble-free trip may yet find their travels disrupted by further Icelandic volcano activity this summer, according to volcanologists. Magnús Tumi Gudmundsson, professor of geophysics at the University of Iceland, said: "The previous activity lasted for 14 months with long spells of inactivity, so on the basis of the history of this volcano we are not convinced that the current activity is over." Any new eruption could boost demand for "volcano insurance", following a surge in demand after Eyjafjallajökull erupted in April, leading to air travel disruption across Europe. This led to huge interest and increased sales of travel insurance add-ons to cover airspace closure, according to figures from Aviva and web research company Greenlight. The number of people searching on Google for "volcano insurance" increased from 58 searches in March (were they volcanologists who knew what was coming?) to 9,900 in April – an increase of 17,000% – while "travel insurance compare" increased, month-on-month, from 18,100 searches in March to 33,100 in May. As a result some websites attracted a huge number of clients during April.Moneysupermarket.com benefited most, with a surge in travel insurance-related traffic of 27% from 15-20 April. By contrast, searches for home insurance products dropped from 1.3m to 476,000. In May Aviva, the UK's largest insurer, announced the launch of an optional add-on to its standard travel insurance policy, offering extra protection should customers' holiday travel be affected by UK airspace, port or airport closure. Aviva's Sally Leeman said that since they began offering the added cover 83% of existing customers who have called the group about the product have gone through with the purchase, though the insurer could not give a figure for how many actual added policies were sold. Aviva's standard cover offers £25 a person for every full 12-hour period of delay up to £250 between the scheduled departure of the original flight and the eventual departure time. The add-on raises this to £100 a person for every 24 hours that the policyholder is unable to return home (to a maximum of £1,500), irrespective of any help given by the travel provider or airline. A second option offers up to £1,000 a person for any "necessary and reasonable" travel expenses where after 24 hours you unavoidably have to make immediate alternative arrangements to get home, which your holiday provider cannot arrange. It will also pay for emergency medical supplies required to prevent a deterioration or exacerbation of an existing condition.

 

http://www.vow-news.com/read.php?id

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