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While costs for medical care continue to go up, there's still a way to get affordable health insurance. Here's how to find the lowest cost health insurance quote online.

Online Health Insurance Quotes

Today, more than half of all Americans with health insurance belong to a managed health care plan. Managed health care plans provide health care through a predetermined network of doctors and hospitals. These health insurance plans include PPOs, HMOs, and POSs.

These plans work basically the same by providing medical services by specific groups of providers at reduced rates.


  • HMOs give medical care for doctor visits, hospital stays, and surgeries. They usually require that you stay within the network to be covered.

  • PPOs are also a group of doctors and hospitals that give care to members of their plan. Small copayments are usually required for doctor visits.

  • POSs are the most expensive of the three and also provide more of the bells and whistles in an insurance policy. You also have the choice of seeing a doctor outside of the network.

Depending on your needs you may want to include coverage for items such as maternity care, prescriptions, and vision care. Managed care plans can vary quite a bit from insurance company to insurance company so look at each plan carefully before deciding on one.

Affordable Online Insurance Quotes

One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you need to look closely at the policies and decide which one is the best for you.

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When you go to any doctor regularly be sure you are comfortable with that doctor. Unless you really feel that this is a doctor you can trust - you will want to find another doctor as soon as possible. However, there are very wonderful doctors, nutritionists and even fitness instructors available for you to work with during your pregnancy.

When you receive pre-natal care for your unborn child, there are certain very important things that your doctor or doctors must consider.

1) The following are specific questions your doctor or nurse should ask you about medical history and about your pregnancy immediately in prenatal care:

o A good doctor will ask about details regarding the health of individuals in the families of both mother and father.

o With questions of family history, one should be as prepared as possible to go back into the family history of the fetus.

 When you are asked about family health and history the details should be complete. You should be asked about any diseases, any operations, any prior pregnancies, and other significant information.

 Although it is the hospital's responsibility, YOU must be sure that you make certain, before you visit a doctor, that you have all of the information you need to provide.

2) There should be procedures preformed right away when you become pregnant virtually immediately into your pre-natal care.

o A complete physical exam should be performed on the mother right away.

o There should be pelvic exam and Pap smear test performed as soon as you suspect you have become or have become pregnant.

o Any woman with a suspicion that she may be pregnant, as well as woman with knowledge of their pregnancy should receive regular blood and urine tests.

o In prenatal care your blood pressure, weight and height should always be checked upon each visit.

3) Upon a woman's first prenatal doctor's visit it is expected that you and your doctor will figure out your approximate due date.

4) Another very important thing that should happen on your first pre-natal visit is that there is time provided for you and your doctor to discuss any questions you may have.

o Doctor's visits for prenatal care subsequent to your initial visit are virtually always shorter. However, these visits will almost always include:

a) Checking the baby's heart rate and blood pressure

b) Checking urine samples for signs of diabetes

c) Measuring the mother's weight gain

o A doctor or midwife may actually order additional tests, ultrasounds, and screening exams.

5) As you grow older, the chances that birth defects will impair your children increase. Therefore, pre-natal care is especially essential and you will perhaps require additional prenatal care visits and certain treatments to prevent birth defects. As a matter of fact, many older women have had very healthy babies.

o If you are pregnant and thirty years old or more. I urge you to get the very best prenatal care for your baby.

There are many places that offer low - cost prenatal care if you are concerned about the expense of your prenatal visits. There are many clinics that will work with you on a sliding scale based on your income in order to pay for prenatal visits. Do not let financial burdens create and put you up against a wall, your child's health is too important to wave off the absolutely essential prenatal healthcare that he or she deserves.

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Having a baby is an exciting event, but things like picking names, buying clothes, and planning for a baby shower need to come second to maternity coverage. You need to make sure that you have the proper health insurance in place so that you don't wind up with thousands of dollars in medical bills just because you wanted to start a family. Some employer coverage includes maternity care while others will offer it a la carte for an extra charge. There are some insurance companies, although they are rare, that won't cover maternity care at all.

When you are shopping for a maternity health insurance plan, you need to make sure that you get all the coverage that you need. Things that should be covered include:

-Doctor office visits
-Ultrasounds
-Hospital admission
-Diagnostic testing
-Delivery and recovery
-Complications, including premature births and c-section procedures
-Prescriptions for pre-natal wellness and health
-Anesthesia
-Newborn well baby check-ups and shots

If a health insurance plan offers maternity coverage without any one of these elements, you need to keep shopping. While the hospital stay and the delivery are going to be the most expensive, you still don't need doctor bills piling up or to miss out on vitamins and medications that you need because you cannot afford them.

Maternity coverage is designed to offer care from conception until birth, as well as covering the baby's wellness check-ups for the first few months of its life. Once the maternity coverage has run out, you will have to switch your child to your regular health insurance so that they can continue to get coverage as a dependent. Having maternity coverage entitles you to so many different benefits that you cannot do without.

One option that some newly pregnant women have is state-funded assistance programs. Some states mandate that programs are in place for pregnant women and their medical care, while others will only offer assistance to low-income women who become pregnant. Either way, there are options available other than private health insurance for people who need them. In order to make the most of your maternity coverage, you need to explore all of your options and choose what is best for you. If you are in the planning stages of getting pregnant, you should get insurance as soon as possible to avoid the risk of waiting periods that may be imposed before you can benefit from the maternity coverage that you purchase.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.

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Low Cost Individual Health Insurance Plans - How to Get Cheap Quotes Online

While costs for medical care have continued to rise, there's still a way to get low cost individual health insurance. Here's how to find the lowest cost health insurance plan.

Low Cost Health Insurance Here are three types of health insurance with the lowest cost:



  • HMO A Health Maintenance Organization is the cheapest of all health plans. This plan is made up of a network of doctors and hospitals put together by your insurance provider. Doctor visits are covered under this plan but usually have a small copayment of about $15. Hospital visits are also covered.


  • PPO Preferred Provider Organization is the next level of managed health care. It is very similar to the HMO health plan but you have the option of seeing a doctor that is not in the network. Doctors and hospital visits outside of the network do come with an added charge.


  • POS Point of Service plans are the most expensive of the three managed care plans. This plan has the most options and consequently comes with a higher price. You may also visit doctors and hospitals outside of the network with this plan.

Depending on your needs you may want to include coverage for items such as maternity care, prescriptions, and vision care. Managed care plans can vary quite a bit from insurance company to insurance company so look at each plan carefully before deciding on which one to purchase.

Low Cost Individual Health Insurance Quotes

One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you need to look closely at the policies and decide which one is the best for you.

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Out of all clothing niches, maternity clothing is the one which yields high profit with less investment. The reason behind this is the maternity clothes can be bought at a low price on wholesale and sold at a good price.

Buying maternity clothes on wholesale is simple nowadays. The technological development has made the purchase simple with the use of internet. You can look over the companies by simply sitting at your own residence and select a better company which offers it at low cost. Moreover you can opt for stores which offer the maternity clothes with discount or offer. There are many websites available for searching companies or stores which offer it at much discount.

You can also locate shops which are poor at present in selling and buy the maternity clothes at lesser amounts. It is also possible to find a store which offers them at a cost lower than the retail shops. You can buy a huge amount from them and make a good profit. You can also search for some special brands of maternity clothes through internet. You can trace the customer care numbers of such brands and make a business with them.

You can also buy factory seconds which are second rated due to minor defects. You can buy them at low costs and make a good profit. You should have a full check for these second rated products and sell it if only they do not have major defects. It is equally important to buy a sales tax id number as you seek for cheaper sellers. The sales tax id numbers will help you in making business with stores or companies which refuse to have dealing with individuals.

Almost all of the pregnant women wish to be dressed up with clothes, which are more comfortable and easy to wear. There is no wonder in the fact that many women love to wear them even after their delivery. So the maternity clothing business will prove to be a very profitable business immediately after few months of outset.

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'God could not be everywhere and therefore he made mothers' - A Jewish proverb summarizes the relevance of a mother. That should place mothers in a highly privileged position. But the irony is that every minute a woman dies in childbirth. 536,000 women continue to die needlessly each year at a time which should be joyous - just when they are bringing life into the world. A further 300 million suffer from avoidable illness and disability.

About 14 years have passed since the International Conference on Population and Development (ICPD) formulated a reproductive health agenda for the world, and about seven years remain for the Millennium Development Goals (MDG) to be achieved

The fifth Millennium Development Goal (MDG) (Table 1) which aims to 'improve maternal health' - is desperately off-track.

Table 1 MDG 5-Improve maternal health

TARGETS INDICATORS

Target 5A: reduce by two-thirds, between 1990 and 2015,the maternal mortality ratio

1. Maternal mortality ratio
2. Proportion of birth attended by skilled Health personnel

Target5B:Achieve, by 2015, universal access to reproductive health

1. Contraceptive prevalence rate
2. Adolescent birth rate
3. Antenatal care coverage
4. Unmet need of family Planning

Maternal mortality is an important indicator of the status of women in a society - a maternal death often represents the endpoint of a life of gender discrimination and deprivation 'inside' the household, and failure of the 'outside' (e.g., health system) to provide timely and effective care. Chronic conditions such as under nutrition, anaemia, diabetes and hypertension make women more susceptible to maternal death, but even healthy women can succumb to an unexpected complication during pregnancy or childbirth.

Only use of good health care can make maternal death a rarity, as it has in the developed world. Indeed, a striking feature of maternal health in the world today is the vast difference in maternal mortality in developed and developing countries, the latter still alarmingly high. In 2000, 13 developing countries accounted for 70 percent of maternal deaths worldwide and South Asia for one-third. The country with the single largest number of deaths was India, where an estimated 136,000 women died.

A number of individual and household factors put women at high risk of death during pregnancy and delivery. These include age (too young or too old), high parity, poor nutritional status, low access to health services, low social status, illiteracy and poverty. As with other indicators of reproductive health, maternal mortality is higher in rural areas, among the economically worse-off, and those with little or no education. Women who have received no antenatal care appear to be at greater risk of death (a cause or correlate), and those with unmet need for contraception are clearly at higher risk than they would be if they could avoid pregnancy.

A maternal death is a death like no other. The impact of a maternal death on families and communities is devastating - but is especially so for surviving children. A newborn baby is three to ten times more likely to die within its first two years without its mother. The health of women is critical to a country's social, economic and political development. The survival of women in childbirth reflects the overall development of a country and whether or not the health services are functioning. In reality, the survival of women reflects whether or not women matter.

As per NFHS-3 and SRS 2001-2003, various health indicators reflective of the current situation of Woman's health in India are

o Women in the reproductive age group constitute nearly 19% of the total population with 16% of women in the age group of 15-19 yrs. are already child bearing.The median age of child bearing in India is 19.8 years. (Urban area -20.9 yrs., Rural area - 19.3 yrs).

o 77% of the total pregnant mother received some form of Antenatal Care.( Urban area 91% , rural area 72%)

o Among women who received ANC, less than two-thirds had weight, blood, or urine taken or blood pressure measured, Three-fourths had their abdomen examined and 36% were told about pregnancy complications. 56% of married and 59% of pregnant women are anemic. 65% of the pregnant mother received or purchased Iron and folic Acid but only 23% consumed IFA for 90 days. In urban Area the 76% pregnant women received or purchased IFA and only 35% consumed IFA for 90 days and in the rural area 61% received or purchased IFA and 19% consumed the same for 90 days.

o 49% of all deliveries are institutional .Only about 1 in 7 home deliveries are assisted by a skilled provider.(urban-68%,rural-29%)

o 13% of the lowest indexed women delivered in an institution in contrast to 84% of women in highest indexed group.33% of pregnancies belonging to SC caste delivered in the institution against 18% among Scheduled tribe.

o Only 42% of the postnatal mothers are receiving any forms of postnatal care. Maternal Mortality Rate has been gradually improving from 437 in 1992-1993 to 301/100000 live births .Maternal Mortality in India is not uniform. High maternal mortality is clustered among the EAG states of Bihar, Jharkhand, Madhya Pradesh, Chhattisgarh, Rajasthan, UP, Uttaranchal, Assam & Orissa.

The overall average rate of MMR decline during the period 1997-2003 has been, of 16 points per year. At this rate of decline, MDG of 109 by 2015 may be difficult to achieve Under the prevailing conditions, the MMR would be around 231 by 2012.

They give us the impression that though we are moving in the right direction, the progress is slow and to prevent mothers from dying and living with problems related to child birth, a lot still needs to be done and at a much faster pace

The major causes of maternal mortality are excessive bleeding during childbirth (generally among home deliveries),(38%) obstructed and prolonged labour,(5%) infection/ sepsis (11%), unsafe abortion,(8%) disorders related to high blood pressure(5%) and other condition including anaemia.(34%).Forty seven per cent of maternal deaths in rural India are attributed to excessive bleeding and anaemia resulting from poor nutritional practices. Intermediate causes, which are the first and second delays in care-seeking, include the low social status of women, lack of awareness and knowledge at the household level, inadequate resources to seek care, and poor access to quality health care. Causes of third delay are untimely diagnosis and treatment, poor skills and training of care providers, and prolonged waiting time at the facility due to lack of trained personnel, equipment and blood. There are insufficient facilities for antenatal care and more than half of all deliveries are still conducted at home, very often by untrained helpers. The link between pregnancy-related care and maternal mortality is well established.

National programmes and plans have stressed the need for universal screening of pregnant women and operationalising essential and emergency obstetric care. Focused antenatal care, birth preparedness and complication readiness, skilled attendance at birth, care within the first seven days, and access to emergency obstetric care are factors that can help reduce maternal mortality. One of the major goals of Government of India's Department of Health and Family Welfare is to reduce maternal mortality and morbidity. The focus has shifted from individualized interventions to attention to the reproductive health care, which includes skilled attendance at birth, operationalising Referral Units and 24 hours delivery services at Primary Health Centres. and initiation of Janani Suraksha Yojna (National Maternity Benefit Scheme). The program to attend the same is Rural Health Mission in EAG states and RCH II in the other states.

If India is to achieve the Millennium Development Goal 5 (MDG 5) by 2015, besides providing universal emergency obstetrical care to each of the pregnant mother in need it will have to tackle critical social and economic factors, such as the low status of women, the poor understanding of many families about health care, the cost of such care, and also the low standard

Strategies which need to be adopted are

o Enhance inclusion. Two important groups - poor women and adolescents -need to be brought squarely into the fold of reproductive health services through geographic and household targeting and clearly-directed outreach. Social and gender sensitivity among providers, managers and policymakers is essential to achieve this inclusion, as well as the supply and demand improvements noted below.

o Improve supply. Enhancing the supply of services for all stages of the reproductive life cycle, for which integrating the essential package and providing a client-centred continuum of care are good approaches. Four services have been particularly neglected and require additional attention in this context: combating unsafe abortion, nutrition counselling and care, postnatal care, and RTI/ STI diagnosis and treatment. Improving the availability and quality of frontline female health workers through recruitment and/or contracting in, training, field support and performance-based incentives would help to fulfil many needs, while contracting out of services and other client/provider payment systems could increase the availability of care for poor women.

o Increase demand. Increase demand for several services that are provided but underutilized, such as ANC, IFA, institutional deliveries and family planning (although supply may be a constraint in some areas). In addition to 'behaviour change communication,' demand-side financing is important to achieve this.

o Reform the health sector for reproductive health. As reforms take place in the health sector, the delivery and financing of reproductive health services merit special attention. Reforms are especially necessary in three areas to support the above approaches to improving reproductive health. Decentralized planning and resource allocations, human resource development, and financing improvements are important to implement targeting, integration of services, supply improvements, a client focus, demand creation, and effective outreach.

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CIGNA Health Insurance Company of Arizona is a solid choice for those looking for affordable AZ health insurance coverage. Perhaps not as well known as many other health care companies, CIGNA has been around since the year 1792 when the Insurance Company of North America (INA) was formed by a group of citizens in Philadelphia, Pennsylvania. The company started offering health insurance when they acquired the HMO network of Los Angeles in 1978. A year later the company acquired HMO's in Phoenix, Arizona and in Dallas, Texas. In 1982 the company became known as CIGNA when INA and Connecticut General Insurance Corporation combined.

Nowadays CIGNA has continued to grow in every state they offer coverage in, and the state of Arizona is not an exception. CIGNA covers about 500,000 members in the state of Arizona alone through their Arizona Health Maintenance Organization (HMO) network, their Preferred Provider Organization (PPO) network and their AZ Health Savings Accounts plans, not to mention that numbers continue to grow. The largest coverage area within the state is Phoenix where an estimated 150,000 members are located and the company has over 20 offices in the metro area of this city.

Based within the state in the city of Phoenix because is the largest member area within the state as discussed before, the company offers their benefits to residents of the following counties: Apache, Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai and Yuma. Apart from the network of plans listed above they offer Medicare Advantage plans, Medicaid and Point of Service (POS) plans. Although the company itself is not a major insurance company within the United States, it has continued to grow and experts predict that it will continue its progress through 2008. With only 5 states where it offers coverage (Tennessee and Florida being the ones where it has expanded the most), it's only expected that the company continue to expand across America.

Within Arizona, CIGNA offers only one plan that is good for the general person that is looking for a well-developed, low-cost and comprehensive coverage Arizona health insurance plan. The plan itself is available to individuals that are 18 years of age or older, families with children up to 18 years of age or 23 if the son/daughter is a full time student and children without an adult subscriber who are at least 3 months of age. In order for you to receive coverage, the company asks that a person resides within one of the service areas for at least 9 months or more, unfortunately if you recently move to a service area you must wait the specified amount of time for you to be able to purchase a CIGNA plan.

The service areas within Arizona are divided into two. The Phoenix service area incorporates the counties of Maricopa and the city of Apache Junction. On the other hand the Tucson and Southern Arizona service area covers the counties of Cochise, Graham, Greenlee, Pima, Pinal and Santa Cruz counties.

The good thing about this one CIGNA AZ plan is that it covers everything one can think of when it comes to health care. For primary care physician (PCP) services a member must pay $25 with no limit on visits through the calendar year. For specialists they are required to pay a little bit higher ($50) but like PCP visits, there is not a limit on visits. Other services that are covered by the plan for which a member won't have to pay a single cent are lab and x-rays and blood pressure checks.

The prescription coverage side of the policy is divided into three tiers like many other insurance companies do. For generic drugs a person should be expected to pay $15, for brand name medications they should expect to pay $40 and for specially drugs they are expected to pay up to $60 dollars. The emergency care fee is $150, however there are special places within the Arizona service areas that are sponsored by the company called CIGNA Medical Group Urgent Care , that a member can go to in order to avoid the emergency room fee. In this group urgent care facilities, a member will only have to pay $75.

The coverage for Inpatient Care holds a $1,000 year deductible for individual and a $3,000 year deductible pre family. After you have met the deductible you will only be required to pay a 20% co-insurance. For Outpatient Care the member has the same deductibles and the same 20% co-insurance after the deductible has been met. The only difference is that in outpatient every diagnostic test or x-ray such as a CT, MRI, MRA or PET would include $100 copayment.

Other important things that the plan offers include chiropractor services for $50 a visit (a limit of 12 visits per calendar year), maternity care in which you wont have to pay anything for prenatal and post-partum exams, but at the time of delivery a 20% co-insurance is applied. Vision coverage is also worth mentioning, you will pay $30 for one exam per calendar year at a CIGNA vision center. It is important to note that if you have an eye exam somewhere else, you will be charged full price for it.

Family planning services are also covered, although infertility treatment is left out of the equation and you would have to go somewhere else for that. The plan also offers short term rehabilitation, mental health services, substance abuse services and detox services. Out-of-pocket maximums for this plan are $3,000 for individual and $10,000 for family and the lifetime benefit is unlimited. This last part means that if you reach the out-of-pocket maximum within a calendar year you will not be cut off coverage.

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Prenatal classes are helpful and supportive for you both.

What classes do

They will help explain a lot of the choices available before, during, and after the birth and will tell you about labor, birth, and baby care. You'll also meet other expectant parents with due dates near yours.

Where to find classes

If you're planning a hospital delivery, hospital based classes can be useful, they'll help familiarize you with procedures and will include a tour of the labor ward. Child birth educators generally offer classes in hospitals as well as birthing centers, but some communities offer other local venues as well. Ask friends who have young babies to recommend a good class that's easy to get to. Most child birth classes include guidance on preparing your self for an active birth, in which your partner or birth coach is also involved.

There's now a huge choice in maternity care, although how wide the choice is will depend on what's available in your area. Look into your prenatal options also means looking at your birth options.

Who Can Deliver Care?

Once you know you're pregnant, your first call will probably be to your family doctor or gynecologist. He or she may confirm the pregnancy with another test, take your blood pressure, and ask when your last period was to work out the due date. Your doctor will tell you the different options for prenatal care available in your area, and you can also talk through where the baby will be born, since these are often linked. Don't feel you have to make your mind up on any of these issues immediately go away and think about the possibilities before finalizing details.

Hospital care

You'll be cared for by hospital based doctors, your obstetrician and or midwife. The prenatal care may lack the informality of other options, but if you have any complications, have an existing medical condition, or are having twins, it's probably the wisest choice to have your pregnancy monitored by professionals in this setting.

Midwives

In many places, prenatal care is given almost entirely by midwives who are based either in a free standing site dedicated to prenatal care labor and delivery or in a hospital. The comfortable, home like feeling of midwife centers is a comfort to many women who would like to have a natural birth out side of a hospital setting. Many women benefit from building a relationship with the midwives who will also deliver their babies.

Your doctor or obstetrician's office

You'll have consultations, checkups, and tests through out your pregnancy to make sure you and your baby are doing fine. Most pregnancies are perfectly normal, but its vital to have these check up to make sure all is well and to spot possible problems early, before any harm is done. Here, too, you will have many opportunities to get to know and bond with the professional who will be on hand to deliver your baby when the time comes.

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Nursing can be your career choice for you future. If you are interested to the healthy filed but you do not want to become a doctor, surgeon, or the therapist, becoming a nurse can the right option for your future career. However, before you take the nursery education, it is better for you to see some reviews related to the nursery education programs. Some nurses work with the physician by helping to do their daily tasks. While the other help obstetricians to take care of pregnant woman and deliver the baby. The education programs and the training you will take depend to the field you will choose.

It is better for you to take full-time nursing degree courses first. The full-time nursing degree has four branches of nursing: child, adult, mental health, and learning disabilities. By taking this program you will be educated for three years and offered by higher education institution across England.

There is an also pre-registration nursing degree program which offers you both academic and professional qualification by combining the theory studies and supervised nursing practice. The program provides you the general introduction in nursing which helps you to build the observational, communication and caring skills. It is also including the introduction of four branches to nurse and maternity care.

Supervised nursing practice is half of this program and is carried out in the hospital and community settings. You will learn for three years in length. It starts with 12 or 18 month of common foundation program (CFP) and then followed by 18 or 24 months branch program included the four branches of adult, mental health, learning disabilities or children nursing.

Other degrees related to the nursing field are Masters Degree and part-time degree courses. Masters degree program need for years for the duration. You should contact the universities directly for further information. Part time degree courses are usually offered by some higher education institution.

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Women generally are very conscious of their figures. They are very particular about their looks and the attitude is no different when they are pregnant. There was a time when pregnant women used to wear clothes larger than their sizes to suit the convenience. But modern days are different. A woman wants to look elegant and beautiful irrespective of the different phases of her womanhood. Why not look good during the pregnancy which is the most delightful and exciting period of her life.

New designs based on different styles and ideas have been introduced in the fashion world to cater the needs of the pregnant women. They can choose the right clothes that fit them as well as the colours they like. The designers of maternity clothes are taking care to offer maximum comforts to those who wear them without compromising the quality and the latest trends in fashion. The clothes suitable for the changing seasons are specially tailored from fabrics that are chosen with care. The clothes that are made for pregnant women should not only be comfortable but also withstand the climatic changes. The texture of the clothes used to create these special dresses is hand picked with care so that they should not cause any problem to the body or skin. A good designer knows well that the maternity clothes are to take care of, not only a would be mother but also the growing baby in the womb.

Dresses with enough room to stretch for a growing belly and without tight strings or straps to support them are preferred by pregnant women. At the same time the dress should not make her look like an inflated balloon. The skill and imagination of new designers have answers to all such problems.

Apart from summer and winter wears, clothes for special occasions are also available to day. Maternity swimwear suitable throughout all the trimesters are made and marketed in various patterns. One piece maternity bikinis, trousers, tops, skirts, nightwear, lingerie, jeans and T-shirts, and a variety of dresses in different colours and designs are made to meet the growing demands in the markets. A pregnant woman has to go through the extreme conditions of climate. So clothes to suit the changing weather conditions are essential. Naturally, the markets provide clothes for autumn, winter and summer months, and all of them are superbly designed.

For those who cannot afford to buy expensive clothes, there are many shops which offer good quality maternity dresses at affordable rates, thanks to the competitive market. Special discounts are also offered by many of them. There are many shops and websites who are dealing with used but good maternity clothes for the benefit of those who prefer inexpensive ones. A reasonably liberal return policy and offer of free shipping are the special features of many online dealers. Some of the shops buy back the used clothes if they are maintained in good condition.

The maternity clothe stores also offer baby clothing to facilitate shoppers in the advanced stages of pregnancy. Kid's crocs, baby kits, nursery tops, nursing bras etc along with a variety of dresses which the woman can wear after the delivery, are available in such shops. Online shopping is a convenient option for women during the advanced stages of pregnancy when the mobility is restricted.

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When most of us hear the word, "insurance" our eyes glaze over and our mind starts to get fuzzy. Insurance, specifically health insurance, is complicated and confusing, and most self-employed people prefer to delay having to think about it... until it's too late.

In this article, small business owners and insurance providers across the country offer their advice on how to keep health care costs down for the self-employed. Remember, no matter which path you take, insurance costs can be tax-deductible as a business expense!

High Deductibles Increase Your Monthly Cash-Flow

Erik Lehtinen of Integrative Wealth recommends high-deductible plans to bring down the monthly cost of insurance premiums. The higher your out-of-pocket expense for any kind of claim, the lower your monthly rate will be. This is true with any health-care plan, no matter where you sign up.

To further decrease costs, if you are able to forego preventative or maternity care and just receive catastrophic insurance for emergencies, your premiums will be much lower as well.

Catastrophic Insurance (High-Deductible Health Plan -- HDHP)

Catastrophic Insurance is just that: for emergency use only. If you get the sniffles, or want a cosmetic procedure, chances are you won't be covered. However, if you get mauled by a lion at the Zoo, or otherwise encounter an accident, the insurance will cover the necessary expenses. Each company that offers catastrophic insurance has it's own guidelines, stipulations, and requirements, so be sure to read through your plan thoroughly and ask questions.

Barry Maher is a self-employed speaker that prefers his catastrophic plan. Although it has a $5200 deductible, it allows him to have a Health Savings Account for non-emergencies. This way, he can use his HSA for minor illnesses, and to pay the deductible of the HDHP in the case of a true emergency.

Health Savings Accounts (HSA)

Health Savings Accounts are available to those who enroll in a catastrophic, high-deductible health plans (HDHP). Money deposited into a HSA is not subject to federal income tax at the time of the deposit, and funds roll over year to year if they are not spent. These funds can only be spent on qualified medical expenses, but they come without federal tax liability or penalty. This also includes medications with a doctor's prescription. If you are collecting federal or state unemployment, you can use your HSA to pay your health insurance premiums.

If, at some point, you lose your HDHP insurance, you'll still have access to your HSA, but won't be able to contribute additional money to it. In the case of death, you can name a beneficiary.

Using Auto-Insurance as Catastrophic Insurance

Talk to your car insurance provider to see what kind of medical benefits they offer if you get into an accident. This option is good for people who live a healthy life, but want to be protected while out on the road. Beware: even if you get hospital coverage and loss wage coverage due to an accident, this type of insurance won't help you if you get an illness. This is purely accidental coverage.

Generally, auto insurance coverage applies to the injured, no matter who was at fault. Additionally, automobile medical insurance can pay for, partially or completely, your health care insurance premiums. Medical payments through an auto insurance plan typically over doctor visits, hospital visits, surgery, x-rays, EMT and ambulance fees, nursing services and care, prostheses as well as funeral costs.

Health Insurance Through Memberships

Those who are self-employed can seek insurance benefits through a variety of membership organizations. These organizations pool together their resources and are able to get discounts on premiums and care that individuals don't have access to.

Members CU, a Credit Union based in Traverse City Michigan, offers a variety of health, auto, and life insurance to its members. If you're currently a member of a credit union, check to see if they offer similar benefits. (It's another great reason to move your money from big banks!)

The National Association for the Self-Employed offers group health benefits for its members, as does the A.A.R.P.

The Alliance for Affordable Services represents nearly 80,000 individuals and small business owners nationwide and provides discounts on legal, health, and personal financial services.

Additionally, Mary Ratliff (Nine Hour Films) found that an artistic organization, Fractured Atlas, provided great resources and two helpful brochures that break down insurance issues and terminology specifically geared towards the freelance artist. You can view those brochures at: http://www.fracturedatlas.org/site/healthcare

Get the discount!

You may be surprised how many low-cost and free options are available to you, without getting on the government's dole. For example, many dental schools offer free or reduced-cost cleanings, exams, and procedures.

Bartering allows you to trade your businesses goods and services with other members of a bartering club. If you offer graphic or website design, you could trade that with a chiropractor or ophthalmologist for health services.

These bartering services could be run through your local chamber of commerce, or you could sign on with a national organization like The International Reciprocal Trade Association or the National Association of Trade Exchanges. Craigslist is another place you can find people to swap services with under the "Barter" heading.

Amy Rose Herrick, ChFC, was successful with this method stating, "We have used a barter network to pay for about $10,000 braces on two children. We've also bartered for general dental cleanings, crowns and fillings for another perhaps $3,000 on services used."

Also, many doctors and clinics offer discounts to patients who pay cash, instead of go through their insurance provider. You just need to ask!

"I have found that my doctors offer lower fees for self-paying patients (at least half of what they charge insurers)" discovered Becky Meyers of Magnolia-Sky "Additionally, my pharmacy signed me up for discounts through programs they have, which has saved me a bundle of money on prescriptions, two of which I take on an ongoing basis."

Finally, take advantage of the daily deal sites. Many times you'll see chiropractic adjustments, massages, dental visits, and health-club memberships at deep discounts. Health care isn't just about protecting you when you're sick, but keeping your body in optimal shape to prevent illness in the first place. Groupon, Living Social, and Amazon Local all offer daily deals on a wide variety of products and services.

Thoughts about the upcoming Health Care Changes

We've already seen some changes coming with the new health care laws. Specifically, children can now stay on their parent's insurance until the age of 25, and those with pre-existing conditions will no longer be denied coverage or care. Additionally, insurance providers are now required by law to spend at least 80% of the premiums they receive on health care. This means, if more than 20% of the premium you pay the insurance company goes to overhead, advertising, profits or other costs, you will then get a check in the mail refunding the difference, as Barry Maher has already experienced:

"The new health care law has already put money in my pocket, generating several rebates from my insurance company (because they expended too high an percentage on overhead) and it also expanded the coverage. And obviously it should make purchasing insurance easier for the self-employed, many of which currently can't even buy health insurance because of pre-existing conditions."

Unfortunately, we won't really see the full effects of the new health care laws on entrepreneurs until 2014 and beyond. We can speculate on its effectiveness, but we won't truly know until we get there. Most entrepreneurs, including Stacy Spensley, (Centerstage Wellness) are optimistic:

"My hope with the health insurance changes that are coming is that premiums will fall once more people buy in to make health care more affordable for all Americans. As a health coach, my goal is to help people need less medication and health care in general, so more people only need insurance in case of emergencies. The more we can avoid preventable disease, the better for all of us."

Need more information? Visit The National Association of Insurance Commissioners (NAIC) website: Insure U for Small Business. They provide helpful information and tips about insurance for owners of small companies and home-based businesses.

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Health insurance for self employed people can be very expensive so it is really important that you sit down and think through what you really need before you decide on a particular policy. Every individual and family has different needs and your particular needs should determine the best insurance for you. Once you figure out your needs it will be easier to sort through the plans available and find the best one for your health, financial, and family situation.

The first thing you need to think about is what types of things you need coverage for. Typically, health insurance will cover physicians visits, fees, hospital expenses, and surgeries. Be sure that hospitals and surgeries are covered because these are the things that can have a severe financial impact if you are not covered. Everyone needs this kind of coverage.

Beyond doctors, hospitals, and surgeries, there are a variety of options that might or might not be valuable to you and your family. For example, if you or a family member wear glasses or contacts, it might be worthwhile to get a plan that covers these expenses. How about prescription medicines? If you or any member of your family has a chronic health condition requiring regular prescriptions that might well be an important option for you. If you are planning on having children then maternity care is a benefit you definitely want to consider. After you make a list of benefits that are important to you, you can start searching for insurance that will either include or let you add the particular coverage that is important to you.

You also want to consider how important it is to you to be able to choose your own doctor or stay with a doctor you already have. You have more flexibility with traditional health insurance but the trade-off is higher premiums. PPO (Preferred Provider Organizations), POS (Point of Service), or HMO (Health Maintenance Organizations) plans offer greater savings but are much more restrictive in their choices of health care providers, including doctors and hospitals.

Lastly, consider any group options that might be available to you to reduce you costs. Often your local Chamber of Commerce or other small business organizations can help you find small group plans that can help you save money when buying health insurance for self employed people. The most important thing is to find coverage that will protect you and your family from any catastrophic medical bills and ruin your financial health.

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It makes sense to take careful not of health insurance comparison. The most important issue in your life is the good health of you and your dependents. It is only natural that you would want your spouse or partner to have access to good health care. You would also want your children to have the same. In fact, if you make the right choice in medical insurance your children will get good health care before birth. A well rounded health insurance policy takes maternity care into account.

There are many problems that could arise during your lifetime. If you are starting a family or have a young family then you can be certain your children will require medical care. Not only will each of your children need to have regular medial checks but they will need extra care when they undergo normal childhood illnesses. Nearly every child experiences a cuts, sprains and broken bones. These mishaps are not life threatening but they could be if they don't get the right medical attention. All these unexpected accidents are going to cost you money. When you make your health insurance comparison make sure you opt for a provider that takes all eventualities into account.

If you want a thorough health insurance comparison then make use of a specialty website. Such a website will provide quotes from a number of appropriate medical insurance providers. This is a completely free service and will only take up a few minutes of your time. Simply by answering a few standard questions and providing your zip code you get a list of suitable providers, their policies and also their monthly premium rates. This is the list that allows you to find a policy that is suited to your needs from a reputable provider for the most cost effective premium.

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Pregnancy often comes as a barrel of fun. This period has hundreds of memorable moments. Parents overwhelmed with the joyous anticipation spend as much as they can. They just want to ensure the safe and healthy birth of their child. Although, being conscious about safe birth is appreciated, getting over-conscious and spending irrelevantly is not wise.

Here are some tips to help parents enjoy the whole period without ending up in financial ruin.

1. Maternity Insurance
Getting private maternity insurance is expensive. One can easily be dazzled by knowing how much is health insurance. But in most cases it is inevitable and should be utilized. The reason is that, such insurance relieves you from a sudden burden of $5000 and up to $15000. These insurance policies mostly cover all the expenses including hospitalization, physician's fees, drugs and others.

If possible, using your spouse's insurance is a nice idea, however, not everyone can avail this facility. In such cases try to avail a parent's or guardian's insurance. What you must keep in mind is to get insured before the pregnancy is detected.

How much is health insurance? It is a question that cannot be answered because the premiums and deductibles change every year. The change depends upon the state and thus nothing can be predicted.

2. Borrow Baby Gear
Once you deal with all the hospitalization costs, you will have to deal with the stuff you buy for your baby. Buying everything new is not prudent. You can easily find someone among your neighbors, family or friends who have a whole nursery resting in their attics.

Make the most of such opportunities and borrow whatever you can.

3. Gifts
The gifts your child receives from your relatives and friends should not go in vain. It is very smart to let your guests know what you need in your child's nursery. You can even make a list of required items and let your friends go through it to and decide themselves.

4. Buy Inexpensive Diapers in Bulk
Buy inexpensive disposable diapers and use them effectively. You can easily find sales and discounts in baby shops. Make the most of such sales and rush to the stores to buy the required items in bulk.

5. Be Patient
Usually, parents being overwhelmed with the joyous news, start shopping for their child before birth. Since they do not know the size of their child, later, when the clothes appear to be of the wrong size, they go shopping again. So be patient and enjoy shopping with your child.

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If you've become pregnant, then congratulations and your baby is most welcome in this world. But a bit of concern for you is that approximately 13% (780, 000) pregnant women don't have access to pregnancy or maternity insurances or coverages resulting in inadequate & concerning prenatal care.

Here's the pregnancy insurance stats for reference-

a. 13% of all pregnancy are uninsured,

b. 12% of all birth are premature,

c. 57% of uninsured pregnant women neglect their prenatal care, till the six months of their pregnancy.

d. At any given point, 40-80 million Americans are remain uninsured, and

e. Approximately 1 in 10 American babies are born under-weight.

It is possible that you have a health insurance that doesn't cover maternity benefits or you may be under-insured. But getting maternity benefits through maternity health insurance is going to be tough for you, if you're already pregnant. In that case you'll have to look for other alternatives.

And the good alternatives are applying for Medicaid as it accepts pre-existing conditions, if you're qualified for it. Medicaid is a federal govt. funded state insurance program, administered by states for low-income individuals & families. Medicaid money is paid directly to your health-care service providers for the health-care services you received.

So, in case of Medicaid insurance, your pre-existing condition of pregnancy is acceptable. The only criterion you've to qualify is your level of income that varies from state to state. If you earn less than $30, 000. 00 a year, you are normally qualify for Medicaid and that's the most economical way of getting good health-care services.

You may find other options that serves additional programs such as Medi-cal that accepts pre-existing conditions, from the state of California. For details info, you may locally contact your Health Departments by State.

WIC (Women, Infants and Children) is another federal agency that safeguards the health of low-income women, infants & children under age of 5 by way of providing supplemental foods, nutrition education, health-care referrals, infants & children, who are at nutritional risks. (For more info, visit my blog)

There are a lot of alternatives to Medicaid and traditional pregnancy health insurance. They are heavily discounted alternative routes and smoothly help you out of the crisis.

Maternity Card:Although its not an insurance itself, it works with a National Preferred Provider Maternity Network that provides you with a comprehensive maternity plan, even if you're a pregnant.

AmeriPlan is another heavily discounted (up to 50%) health-care plans that are available in almost all states except Alaska. And by paying a specified monthly subscription, as per various product plans, you can get into its nation-wide services through vast network of service providers.

AmeriPlan covers all pre-existing conditions (except orthodentic treatment in progress) and you don't have to think about deductibles, annual limits, waiting period, claim form & other formalities (For details, visit my blog).

Personal Prenatal Care: It consists programs like exercise, nutrition, vitamins, regular Check-ups, things to avoid during pregnancy that fosters healthy pregnancy.

Birth Center: This is a health-care option that serves you to provide you with homely environment, safe & securely. Its affordable and provides you with economical maternity services.

Home Birth:Some women are having a sort of fascination to have a birth naturally. And Midwives normally perform the major role in home birth. Home-birth costs around 60% less than the traditional hospital birth.

Now, that you're pregnant, you may love to get into a program like Pregnancy Week By Week as your baby is growing inside you. Its totally Free(For details visit the blog). Look for more issues of similar content.

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The condition of pre-eclampsia or induced hypertension is potentially fatal if not treated during pregnancy. It is common during the first pregnancy and its prevalent with multiple births. Induced hypertension also known as toxemia can lead to convulsions or fits, a serious complication known as eclampsia.

Be aware of the warning signals of induced hypertension which includes severe headache, hypertension, rapid weight gain, oedema or accumulation of fluid in different parts of the body mostly at the face, hands, ankles and feet, convulsion which may likely happen on the second period of pregnancy, positive protein in the urine or proteinuria, dizziness, excessive vomiting and nausea, change in vision including blurred vision, light-sensitive eyes and vision loss, upper abdominal pain usually at the right side.

Toxemia can happen to every pregnant mother, but as studies show there will be greater risk to the following women; a first time mom whose sisters or mother had suffered pre-eclampsia, a pregnant mother with more than one baby, teens and young mothers under the age of 18, women older than age 35, including women who developed high blood pressure during a previous pregnancy or prior to pregnancy.

Toxemia is indeed a dangerous and life threatening complication during the period of pregnancy that can affect not only the mother but also the growth and development of the unborn baby in the uterus.

During pregnancy, the placenta requires a large blood supply from the mother to sustain the growing baby. Without this, the effects of induced hypertension can trigger premature birth or early delivery of a baby, low birth weight, abortion and still birth or death of a baby in the womb.

It's very important to know that, there are other significant factors that can contribute to the development of toxemia during pregnancy such as obesity, diabetes, kidney problems, rheumatoid arthritis and lupus. Induced hypertension can also occur during pregnancy, even if the pregnant mother have never suffered from the condition before and the reason for the sudden appearance is still unknown. If proper care is taken the problem disappears as soon as the woman delivers her baby.

When there is induced hypertension in pregnancy this does not mean the expectant mother is in total danger. The idea that prevention is better than care is true, so the best way to reduce the effects that toxemia may cause to the pregnant mother and her unborn baby is to regularly attend antenatal check-ups and try not to miss any appointment, to enable early detection of toxemia so that an adequate measure will be taken.

Pregnant women should not hesitate to report any worrying signals of induced hypertension to their health care provider because toxemia if not monitored and properly treated can possibly cause problems to the expectant mother's liver, kidney, brain, and other body organs. It can also be the cause of seizure, also known as eclampsia. Eclampsia is known as the final and most severe phase of induced hypertension which can occur when the condition is left untreated and may also lead to coma and even death of the mother and her baby before, during, or after childbirth.

According to the World Health Organization, pre-eclampsia is considered as one of the leading cause of maternal death in most developing countries. It is the complication that should not be ignored during the period of pregnancy, and to determine which lifestyle changes and medications to take. Regular consultation to your health care provider is advisable and do not try to manage your health or take medications on your own, some drugs can affect your baby.

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For last 15 years number of women who gave birth for the first time in the age between 30 and 39 years increased more than twice. For the same period number of women over 40, giving birth for the first time, increased 50%. 10 years ago a woman's biological clock began sound the alarm, when she was 30. Today the first ring sounds somewhere in 35 or even after 40.

Why does this happen? One of the reasons - is more safety. Prenatal researches reduced women's over 40 danger of giving birth to babies with genetic defects till the level of 20 y.o. girls. New methods of sterility treatment appeared, which women over 35 often suffer from. New achievements of medicine in the sphere of helping a future mother, suffering from chronic disease or in case of complicated passing of pregnancy, allowed women giving birth to normal, healthy babies. Rather safe methods of contraception and such popular persons, like Hollywood actress Kim Basinger, who became a model exemplary, first gave birth being over 40, also contributed to popularization of an opinion "it's never too late". Now many women consider that they can delay giving birth to a baby without any risk for themselves till some certain time, and this means - until they receive education, reach success in carrier, strengthen their financial situation and find an appropriate soul mate.

Indeed, many women give birth lately not because they wish to. Late pregnancy can be a result of sterility, late entering into marriage or second marriage.

Which age is the best one for giving birth?

Although according medical prescriptions the best age for giving birth is between 20 and 24 years, many women feel that they are not emotionally ready for it in this age. For some women, whose childhood passed in 50-60ies, this age was rather a prolonged awkward age, than a beginning of adult life. Such shift means that women reach emotional maturity 10 years after peak of physical maturity. But nowadays a woman who became pregnant being 35 is not in a high-risk group already.

Really, if a woman over 35 is physically healthy, does not suffer from sterility, had no miscarriages, her chances to give birth to a normal, healthy baby are almost the same like a 20 y.o. girl has.

How to value a degree of risk?

Pregnancy after 35, of course, cannot be completely free from risk, but it is not so high, like you think, and in many cases it can be reduced to minimum. Not very young woman, who wishes to give birth for the first time, should remember following moments.

Firstly, it may be difficult for you to become pregnant. There is documental information that ability to give birth reduces after 35 years little by little.

Even not mentioning such negative factor, like premature menopause, this means that you can conceive in one day, and cannot in other. It may require 6-12 months from you, instead of 4, to conceive.

But greater danger, which traps an older woman that is pregnant for the first time is connected with giving birth to a baby with genetic defects, especially Down syndrome.

Statistics shows that for 40 y.o. woman a danger to give birth to a baby with Down syndrome is 9 times higher, than for 30 y.o. one. For 40 y.o. woman a probability of giving birth to a baby with Down syndrome is less 1%. And, although risk increases with age, for 45 y.o. woman it is 3%, i.e. if looking from other side, a probability of giving birth to a healthy baby is 97%. Women over 35 have health complications during pregnancy more often, in particular this concerns diabetes and high blood pressure, which are peculiar to people of older age in general. About 6% of women over 35 suffer from such complications in comparison with 1,3% of younger ones.

According to statistics, women of older age may suffer from complications of pregnancy, including abruption of placenta and pathologic condition of fetus, which require medical operation, and can have very serious after-effects for both mother and baby health. Risk of miscarriage increases too. Delivery can be complicated and prolonged, and these are main prescriptions for Cesarean section, which is quite popular now. However, researches showed that on average duration of delivery of women, giving birth in older age, exceeded duration of delivery of young ones only on 45 minutes.

For women over 35 a risk of problems connected with endometriosis and fibroid, which may affect fertility and passing of pregnancy, increases.

But all this sorts of dangers can be reduced to minimum, if a woman, who, most likely, plans her pregnancy carefully, prepares herself physically for coming pregnancy beforehand.

Fetus organs are formed during first 12 weeks of pregnancy, and in this period fetus is most wounded, as doctors consider, so, if you eat well, refuse from nicotine and alcohol, caffeine and drugs, start taking vitamins and do physical exercises, you will increase your chances to bear pregnancy easily and well and give birth to a healthy baby. However, pregnancy is not the time for starting physical exercises, doctors warn. You need to prepare yourself physically for this, before you become pregnant, then it will be easier for you to cope with problems, if they appear.

A correct valuation of real risk can become a woman of older age to reduce stress while pregnancy, which often leads to complications during childbirth. Every emotion is accompanied by changes in organism's biochemistry. If you consider you are ill, you may become ill in fact.

If a woman is about 40, and she is going to give birth for the first time, while first sings of some problem a doctor begins to work. He is in rush to meddle. Unfortunately, you should not completely trust to previous researches of women of older genital age. Somewhere women of this age either had many children, and everything was not OK with their health, or these were women, who had been trying to become pregnant for a long time - may be, last 15 years, but they had miscarriages.

In researches, which were held recently, main attention was paid to women, who corresponded to a modern demographic situation to a greater extent: these women, as a rule, belonged to a middle class, were well-educated, gave birth to first, not 10th baby. If not taking into account fact of sterility, then women of older genital age and their younger sisters differ little.

Right choice of time

It becomes absolutely obvious, that late maternity has a range of advantages. Women, who are not in a hurry to give birth to babies, turn to be best prepared for bearing and growing babies. It is proven that older women do not suffer from ambivalence of feelings during pregnancy and go through inner conflicts seldom. They treat pregnancy rather like God's bless, not because they could not give birth in earlier age. Knowledge of who you are and what you want comes with age and experience.

You are more disciplined and live in harmony with yourself.
You understand what you will have to refuse from and what expects you.

Pregnancy in later years usually falls on time of deep reflections, two mature persons take this decision, having big life experience. Depending of a wife's age, they can see the "last chance" in it, and to treat it like a precious gift of destiny.

Research showed that late baby means especially a lot for a mother; a woman in such age is less subjected to stress, is more open and interested in learning new, than young mommies.

Late baby comes in world like a beloved gift for a woman, who knows what she wants. In one American hospital a research was carried out, when they compared feelings of women, who were going to give birth for the first time, of different ages: it was discovered that women of older age group felt less stress during pregnancy, than very young women, despite of heightened risk of giving birth to a baby with genetic defects, despite of the fact that a baby will most likely change her usual life more. Older woman, majority of which got married later, according to researchers' opinion, have more chances to become more self-confident, independent, feel better, and this improves their mood during pregnancy. Although when childbirth approaches, they may feel oppressed, but not so much, like young women.

Moreover, older woman, who dedicated all her young years for carrier, can treat pregnancy like an opportunity to try herself in what was left blank in her life. Unlike a young woman, who has not found her place in the world yet, an older mother is less inclined to expect that her baby will become a realization of her dreams. She also does not think that a baby "pulls her back", when she is trying to finish her achievements. Majority of mothers who gave birth late have already taken care to become professionals.

The reverse of the medal

Late maternity, of course, has negative sides. Women of older genital age recover from delivery not so quick, like young women.

Some women encounter difficulties to get used to requirements, connected with baby care, as they have been taking care only of themselves for so many years. A very organized woman feels bad in a situation, when everything - pregnancy, delivery, taking care of a baby - cannot be planned, like this happens most often. As for late pregnancy, there are other things, which should be taken into account. Although now women give birth in older age, there is still a moment, when it is too late to give birth. Parents have to restrict with only baby or give birth with very short interval. Some opponents of late childbirth point out that parents spoil them too often - a syndrome of precious baby, - especially if this is an only baby. However, such tendency can be observed in any age group.

We also need to dwell on other arithmetic. At 35, 40 a woman may simultaneously play a role of both a newly-made mother and a nurse for her old parents.

Mother with grey hair

Which types of role models can grey-haired parents offer to teenagers? Because of big age difference between parents and a child there is a danger of generation gap. Many parents, who gave birth lately, turn to be too busy to feel old.

Late maternity obliges you to remain young. You response to everything, take part in everything.

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Mary Phelps Jacob was the first person to be granted a patent in the US for a garment which we would recognise today as a bra. This patent was awarded to Jacob in 1913. Two decades later in 1933, the S.H. Camp and Company developed a system whereby breast size could be fit into one of four sizes dependent on the size and degree to which the breast sagged. For convenience, the four sizes were labelled as A, B, C, and D. The 1933 issue of Corset and Underwear Review featured an advertisement by Camp which showed profiles of breasts labelled with these letters. Larger breasts and band sizes greater than 38 were not accommodated.

In 1937, the Warner company also began to feature cup sizing, using the four letter labelling scheme which Camp developed in advertisements for their products. Other companies also began to follow suit in the latter part of the 1930's. However, some companies, particularly the catalogue companies were slower to adopt the scheme, preferring to stick with the small, medium, and large sizes through the 1940's. Britain was also slow to catch on and didn't adopt what was becoming the American standard for cup sizing until the 1950's. Maidenform had been using seamless cups in their bras since 1933 but didn't adopt the use of A, B, C, and D, cup sizes until 1949.

In the 1930's though, other innovations were happening that would revolutionise not just the underwear industry, but the fashion industry in general. For example, the chemists at the Dunlop company successfully demonstrated a reliable way to turn rubber latex into elastic thread. This paved the way for man-made fibres to be incorporated into clothing and due to their easy-care nature they were very quickly adopted.

Bra manufacturers were quick to start using the new man-made materials since underwear, and bras in particular needed very frequent cleaning.

In 1943, Albert A. Glasser received a patent for something called a "nursing brassiere" although little innovation took place in this area of the market even after the baby boom which followed on from World War II. A nursing bra was little more than a conventional bra with an extra clip which released the cup from the strap, thus ceasing the requirement for the bra to be removed when nursing.

There are a number of different manufacturers and retailers selling maternity and nursing bras, some of which are the traditional, larger, underwear manufacturers and some are more specialist maternity wear retailers who make garments designed to accommodate a woman's breast that in some cases can fluctuate a whole cup size within an hour, in line with feeding times.

The next innovation that came along for nursing mothers was designed by Mary Sanchez who, in 1991, received a patent for her design of a clip.

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If you are between jobs you may be looking for temporary health insurance. You can find several companies that have temporary insurance in your area, by doing an online search. Just type in temporary insurance and you will likely get a map where you can select your state or region. You will get a list of the available carriers in your area. Not all insurance carriers have temporary health insurance. Compare the coverage options available, as well as the premiums. Many people find that the premiums are fairly affordable.

You can do a comparison of the different plans to see which one best fits your needs. A temporary policy will cover most of the things that are covered with a regular major medical plan, with some extra restrictions. No pre-existing conditions will be covered on a temporary policy. If you have a pre-exisiting condition you need to let the company know upfront. If you don't let them know about it, you may have problems if you need to make a claim. Temporary insurance will only cover accidents and conditions that develop during your coverage period.

Temporary health insurance plans will not cover maternity care even if you get pregnant after the policy is in force. Maternity coverage usually requires a special rider on individual or family plans. Temporary plans do not allow riders for pregnancy. Most temporary plans are for 6 months up to one year. Many people think that it is cheaper to get one temporary policy and then another one after that one is over. This is typically not a good idea. It is better to get a long term individual or family plan than to continue with temporary health insurance. Your benefits will be much better on the long term policy over the life of the plan. A temporary health insurance plan should only be used for a short period of time.

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Are you one of those desperate women who are hopeful 40's, looking forward to donning a maternity dress, eager to flaunt a baby bump and thrilled to see a healthy, kicking, bundle-of joy at the end of nine months pregnancy? Well, if you are, do not be disappointed to find out that pregnancy at an advance age is not as easy as finding a nice, comfy maternity dress. You need to consider first how to get pregnant at 40 and decide if you can take the first challenge towards motherhood. Will you be willing to undergo routines, procedures and braved the knife, needles and blades, to finally get hold of that desperately hoped-for baby? So, why this late years of pregnancy?

The American Society for Reproductive Medicine enumerates the reasons why most women get pregnant late in their 30's or 40's:


  1. The availability and accessibility of contraceptive in the market encourages couple to delay pregnancy

  2. More women are engaged and preoccupied with their career; work comes first before child-bearing.

  3. Women were more cautious in preparing for a life in marriage and child-bearing, postponing pregnancy or get married at an older age.

  4. Couples opt to be financially secure delaying marriage or pregnancy at a later age.

  5. Many women are unaware that their fertility declines in their late 20's and early 30's.

Unlike men who continue to produce sperm their entire life, women are born with specific number of eggs in their ovaries--say, millions at birth-- but only 300,000-400,000 ova or eggs remain in the ovary after reaching puberty. Of the hundred thousand eggs left during puberty, only 300 eggs will be counted for ovulation in woman's entire reproductive years.

So, where do the rest of the eggs go? Forget the eggs-the eggs are bound to undergo Atresia (sounds like Amnesia, so you really have to forget them), a degenerative process by which the ova or eggs age and are naturally loss regardless of whether the woman got pregnant, has normal menstrual cycle, undergoing infertility treatment or use birth control. As a woman advances in age, fertility declines due to normal, age-related changes in the ovaries. Although age is not the only factor affecting fertility, it should be one of the major considerations if a woman aspires to get pregnant. Women in this era and time are more aware in taking care of their health, but an improved health and lifestyle does not offset the natural, age-related decline in fertility.

Conscious of the egg count, advancing age and the threat non conceiving at all, a woman might ask, how to get pregnant at 40?

First requirement: a man who can provide and guarantee a healthy, viable sperm (he can be a husband, a partner, a lover, an opposite sex for that matter). Sperm health and viability can be determined through infertility evaluation which the woman and her conception partner should undergo. For the woman, this would help in ruling out possible infertility issues including medical condition affecting her ability to conceive, while the man should undergo semen analysis to determine number of sperm, its volume, shape and mobility. The testing process should take no longer than three (3) months, and if treatment is necessary, it can be done immediately. Ensuring fertility of both woman and man is a must before trying any other methods and procedures.

Maintaining an ideal weight could also help in ensuring fertility. Overweight women have higher estrogen level which may suppress ovulation. Cigarette and alcohol consumption should be minimized or avoided since both increase the possibility of infertility.

When fertility is ensured, yet good, old-fashioned sexual intercourse does not result to conception and pregnancy, doctor- prescribed fertility method should be sought. Doctor may advise an Ovarian Hyper-stimulation, a first line treatment which includes medication or a combination of tablet administration and injection. This will stimulate ovum production.

Micro-surgery may also be recommended by the physician for women who have problem with their fallopian tube; this will help transport the ovum from ovary to the uterus.

In Vitro Fertilization is another alternative if medication, injection and surgery failed to deliver the desired result. It stimulates mature ova with medication and using fine needle guided by an ultrasound, egg are to be fertilized with the sperm outside the woman's body, after which, the resulting embryo will be injected back to the woman's body via cervix and released to the uterus where it can attach and grow.

Finally, if all the above methods fail, the doctor may recommend Egg donation which involves a female egg donor, preferably from a much younger woman. The donated egg is to be fertilized in the laboratory with the sperm, and transferred to a woman's uterus in a form of an embryo. This method proved to have a higher success rate in providing women over forty years old an opportunity to conceive, get pregnant and bear a child.

Forty- something- aspiring mothers can still look forward to the day when shopping for maternity dress and baby cribs are no longer a wish for the desperate, hopeless- pregnant- romantics, but an option medically available anywhere.

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