Nothing is more precious to us than having good health. Everyday people are getting more aware of the importance of having good health in order to be able to l8ive life to the fullest. But as the saying goes nothing is certain in this world, we will always have uncertainties and surprises good or bad in our life. We do get sick once in a while flu or even some major illness, or get ourselves involve in accidents. What ever the case may be these events when they happen to us could deplete our savings or even push us to bankruptcy. With the rising cost of hospital fees, laboratories and doctors’ fees it is now expensive and complicated. This is where health insurance could benefit us all. Yes, health insurance may cost a lot but having no health insurance at all cost more. Medical bills incurred from an accident could burn a hole in your savings. And in cases of cancer treatments, with all the doctors’ check ups, laboratory tests, and chemotherapy that one has to go through it could ruin you financially.

Health insurance could help you pay for the cost of a regular medical check ups, surgeries, contact lenses and glasses and even emergency treatments. There are two basic kinds of health insurance plan, the indemnity plan and the managed care plan. Indemnity plan is also called the fee for service plan. It has wider freedom and flexibility in the choices of the insured. He gets to pick the doctor, hospital and laboratory and other medical service provider of his choice. As long as the medical service is included in the health contract. But, the catch is the plan doesn’t pay for the entire charges, instead the insured shoulders the 20 % of the payment. This kind of plan covers only illnesses and accidents but preventive care like flu shots and birth control are not included. And coverage of the cost of prescription drugs and psychotherapy will depend on the policy and the company.

Managed Care Health insurance differs from the indemnity plan in a lot of ways. First, choice of doctors, hospitals, laboratories and other medical service provider is

limited to only those who have contracts with the HMO -Health Maintenance Organization–.Medical services is received only if authorized by the plan. If you insist on engaging on non authorized medical service provider then the cost of service or care provided will not be paid by the company. Preventive care and mental health treatment are covered by the plan.

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Malpractice is a form of negligence by a professional. Regarding medical malpractice cases, negligence occurs when a healthcare professional such as a doctor or nurse, does not perform to the level of standards of care and that negligence resulted in harm to the patient.

There are laws in every state that allows medical negligence victims to file a malpractice lawsuit against the party responsible. By filing a malpractice lawsuit, the victim can recover damages due to the injury such as:

• Mental anguish
• Loss of a companion/loved one
• Loss of enjoyment of life
• Permanent injury or disability
• Lost wages
• Medical treatment expenses

To find out if you have a legitimate claim, speak with a medical attorney. An experienced attorney will evaluate your case to determine if you can legally go on with the proceedings. They will be able to decide if the injuries you suffered were a result of a healthcare professionals’ negligence.

It is important that you take legal action if you suspect you were a victim of medical malpractice as soon as possible. Medical malpractice cases have a statute of limitations that will prevent you from filing a claim if it is not done within a certain amount of time. The law varies by each state but is usually 1- 3 years from the time of the incident or when it was discovered. A medical malpractice attorney will know these laws and will work in a timely manner to have your case heard.

Do You Have a Malpractice Lawsuit?

Negligence comes in many types. You may be entitled to file a malpractice lawsuit if you experienced the following:

Diagnosis mistake – This is one of the most common forms of medical mistakes. These mistakes can include a delayed diagnosis, a misdiagnosis or failure to diagnose. This can involve illnesses including cancer, stroke, blood clots, heart attack and meningitis

Surgical errors – Every year thousands of patients are injured because of a mistake during surgery. These mistakes can include the removal of the wrong body part or leaving a medical instrument inside the patient’s body after surgery.

Medication mistakes – Any minor mistake (an overdose, under-dose or administration of the wrong drug or to the wrong patient) can have deadly consequences, especially to children or the elderly.

Errors made during labor and delivery – Mother and infant are at risk at this time and negligence can result in a birth injury such as cerebral palsy, Erb’s palsy, damage to the brain and stroke.

If you do not see your injury listed, you should still have your case evaluated. A malpractice lawsuit can come in many types and may be committed by any healthcare provider such as doctor, nurse, or pharmacist. It is in your best interest to speak with a malpractice attorney if you suffered an injury due to negligence.

Johnson & Johnson has recalled additional lots of over-the-counter drugs that may be contaminated with a wood treatment chemical, which could cause some of the medications to have a musty smell and potentially cause illness.

This is the third expansion of an over-the-counter drug recall that was issued as a result of these problems. The latest recall was announced this week for 21 additional lots of the drugs sold in the U.S., Fiji, Guatemala, Dominican Republic, Puerto Rico, Trinidad & Tobago and Jamaica. It includes lots of Benadry Allergy Ultratab, Children’s Tylenol Meltaways Bubblegum, Motrin IB Caplets, Tylenol PM, and Tylenol Extra Strength in EZ Tablets, Cool Caplets, Rapid Release Gelcaps and Day & Night Value Packs. A full list of lot numbers and brands is available in the FDA announcement.

The original Johnson & Johnson drug recall was issued in December 2009 by its McNeil Consumer Healthcare subsidiary for all lots of Tylenol Arthritis Pain Caplet, 100 count bottles, due to contamination by trace amounts of a chemical called 2,4,6-tribromoanisole, or TBA, which seeped into bottles from wood pallets treated with pesticide. The contaminated drugs had a moldy smell and made some users sick.

According to McNeil Consumer Healthcare, the new lots were added to the recall as a precaution because they were found to be shipped on the same types of wood pallets that led to the contamination.

Along with a massive children’s liquid medication recall issued by McNeil earlier this year, Johnson & Johnson has faced a number of problems with quality control at their production plants, resulting in warning letters from the FDA and congressional scrutiny.

The children’s drug recall affected 136 million bottles of children’s medications, and resulted in the shutdown of the company’s Ft. Washington, Pennsylvania, plant, and the suspension of the production of all of McNeil’s children medications. Following that recall, the FDA has received nearly 800 complaints, including at least seven reports of deaths associated with the medication. However, the FDA says its investigations so far have not directly linked any of the recalled products to any of the deaths.