insurance denials and pre-existing conditions

Can I Be Denied Insurance Due to a Pre-Existing Condition?

Not anymore. Thanks to the Affordable Care Act, since 2010, insurance companies are no longer able to deny coverage or raise premiums for individuals with pre-existing conditions.

Insurance companies typically assess applications through underwriting, where they evaluate the risk associated with insuring certain individuals, looking at medical history, age, occupation, lifestyle and any pre-existing conditions. Before, some people deemed “high-risk” could face coverage denials, dollar limits on coverage or experience unreasonable delays in receiving claim approval. The Affordable Care Act was intended to ensure there were contingencies in place so everyone who wanted coverage could get it, regardless of how bad their health was, how expensive their conditions were to treat and their income.

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corporal punishment in schools

Current Status of Corporal Punishment in Schools

Corporal punishment in schools is essentially a thing of the past. The debate surrounding its effectiveness, ethical implications and legality are essentially a moot point now that, as a society, people seem to have decided they don’t want their children to be struck by teachers.

It wasn’t that long ago when corporal punishment was widely accepted as an appropriate disciplinary measure in educational institutions across the United States. The practice wasn’t officially outlawed in Minnesota public schools until 1989 (it’s technically still legal in private schools in the state, but most of those institutions still have policies prohibiting its use). And parents might be surprised to learn corporal punishment is still technically legal in more than a dozen states.

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ESL class

Can a School Refuse to Offer ESL Classes?

English as a Second Language (ESL) classes are offered in most schools and help non-native English speakers develop proficiency in the English language. These specialized courses are designed to meet the unique needs of individuals who are learning English as an additional language, providing support to navigate academic, professional and social interactions in English-speaking environments.

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substance abuse support group

What Are the Modifications to the Substance Use Disorder Treatment?

Substance use disorder (SUD) impacts over 20 million people in the U.S. It’s defined as a virtually irresistible (without concerted intervention and treatment) urge to use a substance, which results in physical dependence and increased tolerance to the substance. Increased tolerance means the user will need to take increasingly large quantities to satiate their addiction and prevent withdrawal symptoms.

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