YIKES! The out-of-pocket costs of my health insurance are clobbering me.

Back in the day we got health care indemnity insurance at work with no contribution toward the premium, and a modest deductible and co-pay. Employer based health insurance and health insurance obtained from a public or private exchange now includes cost-sharing, disincentives and penalties. Most policy holders don’t know how much risk-sharing is involved until

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EMERGENCY ROOMS are not all created equal!

Let’s start with the “GOLDEN HOUR.” “The golden hour is a window of opportunity in which rapid medical intervention can save a patient’s life or make a significant difference in the level of impairment a patient experiences after recovering from a medical emergency. People often use this term in the context of trauma medicine, where

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