Education Higher

Who Needs Short-term Health Insurance?

Because people never know when some form of health insurance might be necessary, it is always a good idea to take the steps necessary to make sure that some form of it is readily available. Everyone knows that accidents happen all the time. The smartest thing to do is to be fully prepared for them when they do occur. In addition, many people go through the majority of their life in relatively good health, thus allowing them to assume that their good health will last forever. Regardless of one’s health history, though, a major illness or debilitating injury is always possible.

In the case that a person is stricken with something unexpected, it is always much better to use the time after a major illness or accident to focus on getting better. People often use much of their strength and emotional energy worrying about impromptu medical costs when they should be focused on doing what they need to do to get themselves healthy again. A major cause of stress after an illness or accident is a lack of a clear answer as to how an untimely medical bill is going to be paid. This uncertainty as to when a medical crisis might arrive and what will happen immediately following is reason enough to make sure that one is protected at all times. Short-term health insurance is becoming an increasingly popular option for people who happen to find themselves without insurance for a brief amount of time. So, the question becomes: “Who exactly might need this type of health insurance, and what might they be entitled to?”

The hundreds of thousands of people in the United States and Canada who suddenly find themselves having to deal with a change in status in regard to their job or their schooling are the ones who are encouraged to apply for short-term health insurance. Within the workforce, part-time and temporary employees are the most likely consumers of short-term health insurance. This is due mainly to the fact that many businesses do not make it a policy of theirs to cover part-time employees or those who were recently unemployed.

People who happen to be between jobs make up a large percentage of those who purchase short-term health insurance. Short-term insurance companies have made it very clear that they will gladly accept individuals who are temporarily out of work. This is good news for these workers, because most of the other insurance markets do not welcome those who find themselves unemployed with such open arms.

Since the establishment of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), people who have recently been fired or who have lost their job for one reason or another are allowed to hold on to their previous employer’s insurance for up to 36 months. Of course, this depends upon the circumstances. Most of the time, though, those people who are unemployed will be able to use COBRA to protect themselves until a new employer’s plan kicks in. While COBRA sounds like an appealing option, it is usually the least favorite for those who do not currently have health insurance. This is due to the extremely high cost of the premium. Companies must be compensated for their willingness to continue an ex-employee’s health insurance, and charging a high price for a premium is one way to make sure that happens. If COBRA premiums are too high for someone’s budget, a short-term health insurance policy with considerably lower premiums might be the solution. In fact, due to the increasingly competitive nature of the health insurance industry, one is likely to find a monthly premium that actually costs less than a car payment.

Another group of consumers who are beginning to make very good use of short-term health insurance plans are those who have recently graduated from college. Many graduates hunt for jobs that will offer health insurance benefits. Most of them are usually successful, but there is still a brief amount of time in between graduation and when the health insurance kicks in. Theirs is the perfect example of a situation which requires temporary coverage.

Young people who are about to lose their dependent status under their parents’ health coverage are now beginning to find comfort in short-term health insurance plans. Many young people who reach the age of 18 are not planning on going to post-secondary school. If they turn 18, and have not yet enrolled themselves as a full-time student, they will be excluded from their parents’ health insurance policy. If this situation occurs, the young person will be eligible for COBRA. However, the premiums may be way too high for someone who is just coming out of high school and who has yet to line up a steady job. A short-term health insurance policy is much more feasible in this situation. The young person can be insured for a while, or at least until he or she finds a job that offers health insurance, or until they enroll in an individual health plan.

The final group of people who are making the move to short-term health insurance are those who are temporarily without coverage for some other reason than the ones already mentioned. For example, if a worker is on strike from his company, he or she may try to get coverage. Or, if someone has recently been discharged from the military, they most likely will be able to obtain short-term insurance.

Because of its tendency to offer both low monthly costs and high coverage limits, sales of short-term health insurance plans have skyrocketed in recent years. Those who run the business of short-term insurance can now boast of the shortest application in the health insurance industry. In addition, many insurers now offer credit card payment plans which make the whole process that much easier and stress-free.

Due to the fact that it offers low costs, high coverage amounts, and a fast purchase process, short-term health insurance serves an important function for people who are in dire need of medical coverage. Those who find themselves suddenly without a job or who have recently graduated from college are now able to take comfort in the fact that they too will be able to receive a limited form of medical coverage in the event that a medical situation arises. Thanks to the many benefits of short-term health insurance, these people, as well as others, now find themselves adequately protected in times of emergency.

Many residents who live in the US find the need to make home improvements season by season. The main reason for doing these is to make their homes look newer, improve on the architecture, bring new technologies in the home and even increase the value of their homes. All the above services can be hired from different US contractors spread all over different cities.

Some home improvement jobs for hire:

Different clients who want to hire contractors have choices to make from the available services. Some of the jobs include treating the windows, roofs and doors. Other home owners will hire the contractors to remodel the homes while others will pay for the storm drain repair, insulation needs, plastering needs, glass work jobs and even carpentry services.

Factors to put in place when looking for a contractor:

It is obvious that different home owners have different needs when it comes to their home improvement. The first thing to consider is the type of home improvement. For example a person who requires roofing facelift must check on the different roofing experts in their locations. It will be awkward when looking for a roof fixing expert and you head to a company that has expertise in storm drain remodeling.

Secondly one has to consider the pricing. Many companies will charge different prices. This will depend on the services offered. When a client is looking for any of the services, then they must compare the prices to be paid. This can be done by checking various online sites for the services offered by each company and initial charges.

In addition, some of the US home improvement companies have been in the business for a number of years therefore they have a good reputation. When a home owner is getting the services, it is only ideal to consider the companies that have worked in various cities and many people are recommending them. These reputable companies have the latest technologies to deal with any jobs offered.

The technology used:

Due to the competition among various US service providers, the home owner must get some information about the technology used to finish the jobs given. For example, a home owner seeking to improve the insulation around the home can check the companies with the best materials and technology to help in insulation remodeling. Since they know the requirements, then they will have to choose the best.

Availability:

In some parts, it is impossible to get specialists to solve a particular need. So this will mean importing the services from a neighboring state. This will translate to higher payments. To reduce the operation costs, they service provider needs to be contacted online to reduce the costs.

Offers made:

Some companies providing US home improvement services have various offers for different improvement jobs. In order to get the best at reduced prices, the home owner should ensure they take advantage of the discounts given on any service that will reduce the costs significantly.

The US home improvement has improved in the recent days as more people contact the experts to give a facelift to their homes. With these services available, home owners can pay smaller fees to ensure their homes look good every time.

Thinking of what education might look like in the next decade, one quickly realizes that the trends in technology are leaving a large number of our students behind. We no longer live in an age of visible movement when it comes to progress and innovation. Today is an age of exponential change. New and ever-improving technologies are popping up every day and in every corner of society.

Educating the best and the brightest in this brave new world will take a new and improved educational paradigm. Allowing our educational tools to age in the corner of the classroom will be the mistake that may cost us our future. Throwing away masses of children to inequitable access will ensure that we languish at the bottom of the global pool of employable workers for decades to come.

The New Toolbox

I was at an auction a few years ago and noticed a few old woodworking tools that I thought I could use. For a few bucks, I was able to snag an assortment of hand tools that may have been in someone’s toolbox for a generation or more. As the next decade passed, I used these tools in my shop for a wide variety of projects until my projects outgrew these old, dull tools. My woodworking creations continued to improve as did my skills and artistry. I quickly discovered that using improved tools would translate into improved craftsmanship. As any woodworker will tell you, new tools require new skills.

Woodworking is a great metaphor for shaping and molding students. There is simply no good substitute for a sharp tool. If you want to build the best projects possible, you need to use the best tools possible. Thinking in terms of the next decade for our country, we will be sorely disappointed in our projects if we fail to improve our tools.

Within this article, I will try to paint a picture of how technology will shape the way we educate students in the next decade. I will attempt to show the amazing possibilities that lay before us if we will simply walk through the doorway of opportunity that is open to us. My focus will be this idea: Transforming the student from being a passenger to becoming a “user.” You may be wondering what I mean by this. Let me explain.

Ask yourself what it means to be a “user.” A user is not simply a person who uses. For the student, being a user should involve using the latest technology in a free and autonomous manner. This new-found freedom will allow the student to become an active participant in his/her education instead of a passive passenger. No other time in history have we been so able to make this a reality.

In our current technological society, being a user also means being tracked. Tracking has become a major part of our daily lives and is precisely the engine that should drive our educational process for the foreseeable future. Tracking a student means having the ability to target education toward weaknesses and strengths. The ability to accurately customize curriculum to the individual has been the holy grail of educational philosophy for many years. This golden age of technological development may soon enable this dream to become a reality.

Current educational curriculum and individual assessment is arbitrary at best. Being able to accurately asses a student can only be achieved by using modern tracking and database technologies. The means by which we can make this a reality is readily available and only needs to be taken off the shelf to be used. If Congress is looking for a shovel-ready project, this may be the one.

Imagine a world where every child has a tablet computer with ready access to the App of virtual photographic memory (internet). Further, imagine that every student can access all the knowledge of humankind freely at any moment in time. Continue to imagine a world where a misspelled word brings up a spelling challenge application instead of an auto correction. Try to contemplate what it would mean for a teacher to have a database of every misspelled word, every misunderstood concept or every missed equation for each of their students. Try to envision a teacher with the ability to customize the experience of the individual “user” with minimal effort. Imagine the curriculum being automatically targeted to the user through an intuitive educational platform that knows every strength and each unique weakness. I could go on, but I think you get the point.

The company that makes this standard available to the educational community will be the company that shapes the future of humankind. Will it be Google, Apple, Microsoft, or some other yet unknown pioneer?

Continuing from the thoughts in my last post, I would like to elaborate on the idea of the student as a user of a new standardized educational platform. It is obvious to me that the future of education will always mirror our everyday lives in one way or another. If you examine how technology has influenced your daily life already, you begin to put together a snapshot of what it will mean to be educated in the next decade.

In the last few hundred years, most individuals would consider an education as something you receive. You often hear the question asked, “Where did you receive your education?” As we proceed through the next decade, education will slowly move away from reception and toward being custom designed for the individual user. New technology will not only allow us to receive an education, but also develop an education. The question we might ask in 10 years is, “How did you develop your education?” The question of where will still be important, but the how of the matter will be the focus that defines the individual.

To make this a reality we will need a standardized platform from which to develop a student’s unique education. This standardized platform will allow us to tailor a custom curriculum that will be matched to talents, interests and life goals. For the educator, a standardized platform will create a way to assist the student in discovering a true purpose in life through a unique educational experience. The basics of reading, writing and arithmetic will not be taught as much as they will be discovered and used. Learning will become a reciprocal experience between the teacher, the student and the machine.

Under a standardized platform, each of these three participants will have a role to play. The teacher will be the facilitator, assisting the development of the curriculum and inspiring the direction the student takes. The student will be the user, gathering resources, skills and knowledge in an efficient and measured sequence. The machine will do the work of data gathering and analysis, which will assist the teacher and student in refining the curriculum. This data gathering work of the machine will also free the teacher from the burden of record-keeping and tedious tasks that currently distract from the real job of teaching and learning.

Under a standardized system, grade level will be far less important. Achievement and progression will be measured by accomplishment and intelligence as a benchmark for success. The question of failure or success will be irrelevant and replaced with a standard and consistent measurement of potential and overall intelligence. Information will no longer be missed but continually rehearsed and monitored for retention by the machine.

In our current educational paradigm, the teacher is in charge of arbitrarily constructing curriculum. This approach to curriculum development is based on inexperience in some cases, outdated materials, inadequate funding and a shortage of time. Measuring the success of a specific curriculum is currently impossible. With a standardized system, comparisons of curricular success can be made across the entire spectrum of education and then continually reformulated and enhanced by the machine.

Sadly, teachers today are bogged down with an assortment of mind-numbing tasks that would be better suited to an off-the-shelf automated system. Tasks such as data tracking, reporting and record keeping are currently accomplished manually. These tasks could easily be delegated to an intuitive database. Developing a standard to follow would eliminate these tasks and free the teacher to do their main job of teaching students.

Education 3.0

Throughout history, man has sought to pass on knowledge to the next generation. This process started with oral tradition, storytelling and writing. With the advent of the printing press, knowledge and information slowly became available to the masses. The amount of information that could be gained by one human in a lifetime was severely limited by his access to printed materials and wealth. The majority of learning was gained through observation and imitation. We can call this Education 1.0.

Education 2.0 starts around the late eighteen hundreds with universal literacy movements throughout newly industrialized regions of the world. Improvements in education slowly transitioned from apprenticeship to formal education and training. Despite our movements toward universal education, access to knowledge and opportunity continues to be inequitable throughout the world. Even with the arrival of the computer revolution, access to the tools of learning continues to define the learner.

The next decade may mark the moment in history when all men are granted equal access to the greatest treasure a soul can possess. I use the word may in the last sentence because there is the chance that we will miss this golden opportunity. Access to Education 3.0 will only be gained through investment and universal standardization. If we continue to divert wealth toward fruitless goals and corporate greed, this opportunity will be lost or hopelessly delayed.

Education 3.0, when it arrives, will be the age of universal enlightenment. Platforms for education and learning will slowly standardize and become globally accessible and affordable. The poorest to the wealthiest will have access to the machine that runs the platform.

The thought on your mind at this point is most likely wondering what machine I keep referring to. The machine in question is the one we have been so busy teaching and training since roughly 1969. You’ve probably guessed it by now that I am referring to the internet. The great cloud of knowledge that we call the internet is precisely the mechanism that we will use to build the platform of Education 3.0. When the platform is finally in place, the decade to follow will see the greatest amount of wealth, discoveries and use of human potential that we have witnessed during our time on this earth. The only question that remains to be answered is the point at which I will leave this article.

When will we allow the user to use the machine to its potential?

Stephen McClard has been the Director of Bands at Bolivar High School since 2002. Mr. McClard graduated from Southeast Missouri State University in 1990. He started his teaching career in Southeast Missouri before moving to Illinois where he taught band for 8 years.

Mr. McClard’s bands have consistently received superior ratings at contest as well as many other awards and accolades. Since 2002, the band has traveled twice to Chicago, where they won 1st place class 4A and 1st place overall at the Midwest Music In the Parks Festival. The band also traveled to Cincinnati in 2006, receiving the same honors. In 2006, Mr. McClard was named by SBO Magazine as one of the 50 Directors Who Make a Difference. In 2006, 2008 and 2009, Bolivar RI School district was named one of the “Best 100 Communities for Music Education” in America by the American Music Conference. Mr. McClard was previously featured on the cover of the 2003 issue of SBO Magazine for his work with music technology.

In addition to his career in education, Mr. McClard maintains an online woodworking business and is a 3rd generation piano technician. His woodworking creations include custom bass guitars, which have sold all over the world and one-of-a-kind computer desks made from old pianos. His piano desks have been featured in magazines such as Business 2.0 and Piano Technicians Journal and in many other newspapers and television news features.