The responsibility of school health education is to provide the complete positive experience and the knowledge structure to the student, including the establishment of health education curriculum, the creation of school health environment and carrying out the appropriate school health education plan through principal, teacher, guardian and the broad cooperation which leads in the community.
The significance of school health education:
Health is one of the main factors which affect young students’ learning capability. So the government has the responsibility to provide the best study conditions. This goal can be achieved by school health education. The school health education program can systematically organize all the factors that promote young people’s health.
The significance of school health education is: Young students are in the life preparation time, health education work, may help them to accept systematic health education since childhood. It will be very helpful for young people to establish a healthy life style, strengthen the self-health care consciousness and ability, prevent common disease, frequently-occurring disease, and even adult sickness. School health education builds the good foundation for their life and the effect is lifelong.
The implementation scope of school health education:
School health education is not only limited to the health education curriculum but also through many kinds of health education in young people’s daily study and the life such as food security, nutrition, smoking control, personal hygiene and so on.
The teaching of school health education:
Health education should be a part of the entire school education system.
1) The health education curriculum: young students may start their health habit since the baby time. But they usually obtain the systematic medicine and health knowledge in school. So the school health education curriculum should be the main way for students to obtain this kind of knowledge.
There is huge difference in receptivity and thinking mode among the young students of different ages. So the goal, content, teaching style and materials of health education curriculum should be accordant of the characteristics of different age sections. Because our work is to help student to be active learning not non-passive learning.
Healthy behavior instruction:
The goal of healthy behavior instruction is to help the students to have the basic healthcare knowledge and to command the basic skills of self-healthcare. Health behavior instruction helps students to develop a faith of health and medicine, correct judge and the appraisal ability and healthy behavior. Good behavior may affect not only the individual but also the family and the society.
There are two ways of healthy behavior instruction: Collective activity and individual consultation. Collective activity aims at the existing behavior question among students. Individual consultation helps each individual student who has special health behavior or medical care questions.
The school health service:
School health service is directly related to students’ health activities. It is also the essential part of the entire school health plan. The school health service mainly includes: medical examination, dental examination, immunity vaccination, infectious disease control, common disease prevention and the psychological consultation as well. The school should also provide the necessary services to the disabled students.
The school health environment:
School health environment stimulates and promotes the student to participate in the beneficial health activities, raises their health consciousness of the external environment, including interpersonal and material environment.
The interpersonal environment mainly includes the school interpersonal relationship between the teachers and students, schoolmate and the other personnel.
The material environment is related to the school constructions, the ground size, the drainage, the garbage disposal system and so on.
How to provide a harmonious and healthy environment to all the students should be considered by all the school health educators.
By: Yan Huang
Archive for October, 2009
Introduction of School Health Education
October 30th, 2009A Health Savings Account or Hsa Medical Plan Offers Significant Tax, Premium, & Retirement Savings
October 28th, 2009Since first being signed into law in December 2003 by the Federal Government, Health Savings Account plans (a.k.a. HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year. HSAs are here to stay & a few million have already come on board. Health Savings Accounts are literally available today to any person over 18 in the U.S. They offer significant financial benefits including tax, premium, & retirement savings to you, your family, and/or your business. Knowledge is real power when it comes to your finances. Become informed. I advise people not miss out on the extraordinary short & long term benefits that HSAs create.
Medical Insurance is the newest form of an investment vehicle. Today, having an HSA qualified health insurance policy (component #1 – the health insurance policy) together with a Health Savings Account (component #2 – the savings account) is a very wise decision. First off, from this point forward, we’ll refer to the two components just discussed above as one single entity, either a Health Savings Account, HSA, or HSA Health Savings Plan. They all mean exactly the same thing.
HSA health savings plans are actually simple to understand.
A Health Savings Account enables you to:
1) Have access to a wide PPO network and in most all cases provides the coverage to allow you to continue seeing your current doctors & specialists.
2) Lower your health insurance premium by 25% – 50%. To accomplish this, be sure to compare health insurance plans with different carriers. An individual can typically save between $80 to $250 dollars per month when they change their plan over from a traditional health insurance plan to a HSA qualified high deductible health savings plan. A family can save even more. Now the next point is critical! Since HSA plans all have higher deductibles than most traditional health plans, forget any negative preconceived notions you may have about having a plan with a high deductible. Do not pay attention to what you may have heard. Don’t be deceived. Yes, you’ll now have high deductible insurance, but there are plenty of safety nets that will be there to protect you if & when the need arises.
After you are setup, the first step to take is to place the money you are saving from having a new lower HSA monthly premium and place it into your new Health Savings Account each month. Realize that doing this doesn’t cost you anything; you are just transferring the money you are saving into another location.
3) Next, enjoy the IRS created triple tax advantages (see the "a-b-c" listed below) that only HSAs offer. You can reduce your annual out-of-pocket income taxes up to $1800 or more per year. Save EVERY year on these income taxes. View below your three main tax-saving pillars.
a) HSA Contributions (deposits into your HSA) are 100% tax free
b) The interest earned on all of your HSA account contributions are also 100% tax free. The choice of investments are yours and range anywhere from typical low-interest, virutally zero-risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can increase or decrease it at anytime.
c) Make 100% tax-free withdrawals for virtually all medical expenses. View a list of HSA Eligible Expenses.
While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars. If you must use the money to cover any part of your deductible, you may make a 100% tax free withdrawal.
Here is the point: All of these above benefits & factors strongly diminish the impact of having a high deductible plan. Realistically there will be many periods of time where your money is only growing and never being withdrawn because you have little or no medical expenses.
Here’s another benefit. The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account may be withdrawn penalty-free for any reason, not just for qualified medical expenses. In this case, you’ll pay just the regular income taxes, just as you would when withdrawing from your IRA. However, your income during retirement generally goes way down as will the taxes required to pay. You will be paying much lower income tax on these withdrawals than before you were retired. Finally, understand that the funds in your HSA are always yours, without exception, and they rollover from year to year. You are also allowed to do a one time rollover from an IRA into a Health Savings Account without any penalty.
And yes, you may continue contributing to your IRA every year while still also making the maximum allowed HSA contributions. Having both types of retirement accounts is the ultimate scenario, but if you can afford contributing to only one type…I would certainly recommend the Health Savings Account. This is because HSAs are more than solely a retirement savings vehicle. Read another article I have written about improved benefits and higher limits in 2009 .
The company HSAHealthSavings genuinely specializes in HSA plans so consider contacting us (for contact info, read below "About the Author"). The straight truth is that many people are rather unclear about HSA Health Savings Plans and what they truly accomplish. Too often, an individual or business’s insurance broker has not kept them properly "up-to-date" on all of the many benefits available to them with an HSA. It is not that these brokers are not competent. But the question to consider is, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions? Not much of one perhaps. But you are the party who is really losing out. Any licensed agent or broker is obligated by a legal fiduciary duty to serve his or her client’s best interest at all times. This duty should be taken seriously, but isn’t typically enforced by the Department of Insurance.
Last but not least, although insurance companies are legally binded to offer HSA health savings plans in their line of products, they are not going out of their way to promote & publicize these plans. Doing so would also lower THEIR profits.
Now you are probably starting to see the light. As a consumer today you really have to take matters into your own hands and become authentically informed. The expert advisors at HSAHealth Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW. We are excited! The benefits of health savings plans can literally transform one’s financial portfolio in both the short and long term. And HSAs are actually beneficial for just about everyone, not only the wealthy, or just older folks. Regardless of your income level, if you pay for health insurance at all, you owe it to yourself to consider and compare the benefits of HSA health savings plans versus the more traditional health plans you are accustomed to.
By: Andy Devore
New York Health Insurance
October 24th, 2009New York Health Insurance
Health insurance is insurance that pays for all or part of a person’s health care bills. A health insurance policy is an annually renewable contract between an insurance company and an individual. With health insurance claims, the individual policy-holder pays a deductible plus co-payment (for instance, a hospital stay might require the first 1000 dollar of fees to be paid by the policy-holder plus 100 dollar per night stayed in hospital). Usually there is a maximum out-of-pocket payment for any single year, and there can be a lifetime maximum.
The purpose of health insurance is to help people cover their health care costs which usually include doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services.
According to the latest United States Census Bureau figures, around 85% of citizens have health insurance. 59.5% of these people receive their health insurance coverage through an employer, and about 9% purchase it directly from the market. Government sources cover 27.3% of the population. Those without health insurance coverage are expected to pay privately for medical services.
Types of New York Health Insurance (http://new-york.ixs.net/General/New-York-Health-Insurance/index.aspx ) The types of health insurance in New York are group health plans, individual plans, and government health plans such as Medicare and Medicaid. In the United States, government-funded Medicare programs help to insure the elderly and end stage renal disease patients.
Group Health Plans
A group health plan offers health care coverage for employers, student organizations, professional associations, religious organizations, and other groups. The employer may pay for part or all of the insurance cost (premium).
Individual and Family Health Insurance
Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. These types of health care plans are sold directly to individuals. For those of you who are unemployed or self-employed, an individual health insurance policy is always an option. Unfortunately rates for these policies are high and the coverage is usually less comprehensive than a managed care plan. The good news is that, in many cases, your insurance premium will be tax deductible. Of course, if you’re married, you can always try to catch a ride on your spouse’s group health insurance benefits plan.
Health insurance can be further classified into fee-for-service or indemnity (traditional insurance) and managed care. Both group and individual insurance plans can be either fee-for-service or managed care plans.
Managed Care Health Insurance
These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.
There are three main types of managed care plans:
• Health Maintenance Organizations (HMO)
• Point-of-Service (POS)
• Preferred Provider Organizations (PPO)
All of these plans offer substantial health insurance benefits to members and their families. If you’re fortunate enough to have a choice of plan, consider the advantages, and disadvantages, of each. Compare the cost of care, the difference in premiums, deductible amounts and your freedom to choose a doctor outside the plan. There are numerous other coverages to compare as well — from prescription drugs to dental to alternative therapies. Be sure you understand the fine points of each.
Indemnity or Fee-For-Service Plan
Normally it covers the same expenses as managed care. The difference is your doctor is paid for each visit with the claim filed by either the patient or the medical provider. A big advantage– unlike some managed care plans, Fee-for-Service allows the patient a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.
However, you’ll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.
Short-Term Health Insurance
Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care. It covers for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA (Health Insurance Portability and Accountability Act) Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise.
Medical Savings Account (MSA)
Medical savings account (MSA) is the most recent development in the area of health insurance. The principle behind the MSA is to take the bulk of the financial risk, and premium payments, away from the managed care and indemnity insurers, and allow individuals to save money, tax free, in a savings account for use for medical expenses. Individuals or their employers purchase major-medical policies, medical insurance policies with no coverage for medical expenses until the amount paid by the patient exceeds a predetermined maximum amount, such as 2500 dollar per year. These policies have extremely high deductibles and correspondingly low monthly premiums and the participants take the money that they would have spent on higher premiums and deposit it in an MSA. This money accrues through monthly deposits and also earns interest, and can be spent only to pay for medical care
What’s The Best Health Insurance Plan?
There is no one “best” plan for everyone. The best match for you and your family may be different than the best match for someone else. In order to help you answer this question, here are a few things to consider:
1. Are you going to need long-term coverage or just something for the short-term?
If you’re between jobs for 1-6 months, you may want to go for short-term coverage options. Alternatively, if you have no prospects of receiving group health insurance coverage through an employer, you may value the stability and increased benefits offered through an individual and family health insurance plan which will provide longer term coverage.
2. Are you looking for basic coverage or more comprehensive coverage?
Some insurance plans offer basic coverage (i.e., primarily inpatient hospitalization and outpatient surgery coverage) to cover you in case of a major accident or illness. These insurance plans typically have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate for people who intend to use their insurance primarily in the event of a serious accident or illness. Other insurance plans that offer more comprehensive coverage may include benefits such as preventative care, physician services, prescription drug benefits and routine office visits. These insurance plans typically have a higher monthly premium than plans that only offer basic coverage, and may be appropriate for people who intend to use their insurance on a regular basis.
3. Would you pay for your services before you use them or when you use them?
If you choose a health insurance plan with a low monthly premium, you’re likely to have a higher co-payment or deductible. If you don’t anticipate making frequent use of your health insurance coverage, a higher-deductible plan with a lower monthly premium may suit you best.
4. How important to you is easy access to specialists?
Health insurance plans that require you to coordinate your care through a primary care physician typically require that you obtain a referral before seeing a specialist. So, if you prefer easier access to specialists, you may wish to consider a different type of plan.
5. Do you have a specific doctor or hospital that you would like to visit for healthcare?
Some insurance plans utilize provider networks. Pay special attention to the network of doctors or facilities that each health insurance plan utilizes. Also note that networks utilized by health insurance plans can change, so there is no guarantee that your doctor will always be contracted with your chosen health insurance plan.
6. What is the most you could pay out in case of a serious illness or injury?
Health insurance plans typically place limits on how much a member is required to pay out per year for his or her healthcare. This limit is often referred to as an out-of-pocket maximum. Once you’ve contributed this maximum amount toward your healthcare, the health insurance company typically covers all other costs for the remainder of the benefit year. If you’re concerned about what may happen to you in case of a serious illness or injury, you may wish to pay special attention to the out-of-pocket maximums for the health insurance plans you’re considering.
No matter what insurance plan you may choose, educate yourself and understand all the basics of the health insurance before finalizing anything.
For more information about New York Health Insurance visit: http://new-york.ixs.net
By: Maria
