How to Get Affordable Health Insurance in Virginia

In order to obtain affordable health insurance in Virginia, you must become a smart, conscientious consumer. Take these tips into consideration before you commit yourself to any health insurance program in Virginia.Avoid scams. Insurance fraud can go both ways; not all health insurance companies or agents have your best interest in mind. Many health insurance companies or agents are interested only in obtaining money from you. These companies are usually fly-by-night companies. To avoid these scams, contact the Virginia Bureau of Insurance and ask if the health insurance company in question is licensed to do business in Virginia. If not, move on. If so, you will be protected against fraud should the company scam you.Be aware of what you are purchasing. If the company or agent tells you it’s health insurance, it’s health insurance. If the company or agent tells you it’s a health care savings or discount plan, it’s not insurance. The two are not the same, so if you are looking for affordable health insurance in Virginia, you do not want to purchase a discount plan. Discount plans may help you save money, but they do not provide the same coverage as insurance plans.Pay the Virginia health insurance company. Paying the insurance company directly and requesting a receipt helps you protect yourself and your health insurance coverage. If the Virginia health insurance agent does not want you to send payment directly to the health insurance company, you should contact the health insurance company immediately.Take note of the way the health insurance is purchased. It is possible to find affordable health insurance in Virginia via the Internet, telephone, and radio, television, and newspaper advertisements, but the very solid and reputable health insurance companies do not usually try to attract customers with flashy gimmicks. Keep your eyes and ears open for showy and loud advertisements, and take caution with those health insurance companies that use them.

Affordable Health Insurance in Georgia Demanded

Affordable health insurance in Georgia seems to be the topic of most residents living in the peach filled state… Do you chat with your neighbors on a daily basis regarding the many issues based around health insurance? Do I have the right deductible? Can I afford to buy health insurance? What company do I look at? Georgia residents have had enough of recent insurance price increases and are trying to come up with a plan to reduce all insurance costs across the board. The health insurance rates have gone up considerably over the past ten years. It seems the average rate increase on a health plan in Georgia runs around 15% per year. Insurance carriers like Aetna, Blue Cross of Georgia, & United Healthcare say that ‘It’s now time to make some changes in the industry’ To find the best insurance rates be sure to use an insurance broker or consultant like [www.GeorgiaHealthInsuranceWeb.com]. They are one of the best companies in helping solve the problem with free insurance consultations.Affordable Insurance Can Be Found?Having trouble finding affordable health insurance? It is not ‘one size fits all.’ Now, with the increases in policy rates, hardly anyone in Georgia can ‘afford’ to stay healthy. Depending on your current state of health, budget and individual needs, the best insurance for you may be far different than the best insurance for a friend or another family member. What can you do protect your family? Contact an expert insurance consultant and talk to them about your needs. They can show all available policies, not just one policy from one carrier.One thing you can do to find the best policy now for your health or home is to have a basic understanding of the various types of insurance that are available in Georgia, and what each does and does not cover. That can be helpful in determining which plan will work best for you. Before you buy insurance for any purpose, a talk with a ‘Georgia health insurance consultant’ can save literally thousands of dollars per year.Picking Policies?’What policy do I choose?, how much deductible is right, is my prescription drugs covered’ these are the things that are on most people’s minds when they look for health insurance. In Florida there are many insurance agents, selling their special type of health insurance policy. These policies vary from agent to agent, even in the same city, so the best bet is to search all available insurance companies through a insurance ‘portal’: http://www.GeorgiaHealthInsuranceWeb.comTraditional health insurance is called ‘fee for service’ or 80/20 coverage. This is most likely the type of insurance that you grew up with. With that type of health insurance, you are entitled to visit any doctor you choose, and the insurance company pays 80 percent of the bill.Health Savings Accounts?Many other options exist for covering medical expenses. A Health Savings Account allows you to set aside pre-tax dollars each month. Catastrophic insurance carries a low premium with a high deductible, and is designed to cover you if you develop a serious illness or injury. However, for the average consumer, the choice is generally between fee for service and managed care. All types of plans carry their own advantages and disadvantages, and it is important to understand what these are in order to make the right decisions for your family. Find out more about your available choices for health insurance from http://www.GeorgiaHealthInsuranceWeb.com.

Brief History of Education in Nigeria

Long before the Europeans arrived, education had been part of Nigerians. The Children were taught about their culture, social activities, survival skills and work. Most of these education processes were impacted into the children informally; a few of these societies gave a more formal teaching of the society and culture.In these Societies, there are formal instructions that governed the rites of passage from youth into adulthood. The youth is expected to have attained the necessary social and survival skills as well as having a grounded knowledge in the culture. These are the foundations of education in Nigeria, and upon them were the western education implemented upon.European Education was introduced into Nigeria in the 1840s. It began in Lagos, Calabar and other coastal cities. In a few decades schooling in English language gradually took roots in the Nigeria. During the Colonial years, Great Britain did not promote education. The schools were set up and operated by Christian Missionaries. The British colonial government only funded a few schools. The policy of the government was to give grant to mission schools rather than expand the system.In the northern part of Nigeria, which was predominantly Muslim populated, Western-style education was prohibited. The religious leaders did not want the missionaries interfering with Islam. This gave way to establishing Islamic school that focused primarily on the Islamic education.Today, adult literacy has been estimated to be over 78 percent for men and 64 percent for women. These statistics were made based on estimate literacy in English. That excludes the literacy in Arabic among northern Muslims. It is therefore not erroneous to call Nigeria a nation dominated with educated persons.Prior to Nigeria’s independence, Nigeria had only two established Post-secondary Institution. Yaba Higher college (founded in 1934, Now Yaba College of Technology) and the University of Ibadan was founded in 1948. It was then a College of the University of London until two years after the independence when she became autonomous. More prominent universities which include University of Nigeria, Obafemi Awolowo University (formerly University of Ife), Ahmadu Bello University and Mohood Abiola Kashimawo University (formerly University of Lagos) were founded in the years that followed the Independence.In 1970s more universities were founded which include University of Benin (founded in 1970), and new university opened in Calabar, Ilorin, Jos, Port Harcourt, Sokoto and Maiduguri. In the 1980s, more universities were opened as well as institute specializing in Agriculture and Technology. A number of Polytechnics were also opened, which includes the Yaba College of Technology in Lagos and Kaduna Polytechnics.In 1980, the estimated enrollment in the primary schools was 12 million, Secondary and technical colleges 1.2 million, teachers colleges 240,000 and Universities 75,000. One would expect that with such an estimate, the Nigerian education in Nigeria three decades after would have greatly improved. Unfortunately the reverse has been the case.The present decline in the Nigerian education system can be traced back to the 1980s and 1990s. Then there was a shortage of qualified teachers, the few qualified teachers were not paid in a timely manner. The number of schools did not grow with the population and many of the existing schools were inadequately funded resulting in poor maintenance. In the Universities inadequate funding led to the shortage of space and resources. Increase in tuition fee often resulted in riots leading to cancellation of semesters. Industrial actions by the University Staff requesting for higher salaries and better working conditions also compounded the situations. However, today governors in most state are addressing these issues.The damage to the educational system has been done. Most graduates lack the necessary survival and social skills that should have been learnt in schools. These have led to many disastrous situations in the nation. The center of the nation’s growth “the Education system” no longer holds value; hence the entire nation is falling apart. Products of the Nigeria education system are not employable, causing massive unemployment and under-development in the country. No survival skills leading to increased poverty rate in the country.The situation however is not entirely hopeless. The foundation of education in Nigeria upon which the Europeans laid the western-style education is strong. This has managed to hold the educational system of the country together through the trouble days. However, if left unattended, we will all join Chinua Achebe and exclaim: Things fall apart, The center cannot hold… Anarchy is set forth everywhere.