BRENTWOOD TENNESSEE
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Latest News - BRENTWOOD TENNESSEE

The Difference Between Good And Great In Education


That is the difference between good and great in public education. (Bethany Bowman is the director of professional development for Professional Educators of Tennessee, a non-partisan teacher association headquartered in Brentwood, Tennessee.)

Brentwood-based hair care company named finalist in Beauty Pitch


BRENTWOOD, Tenn. (WKRN) – A local hair care product company ...
Now Zenagen is sold in salons all over the world, including right here in Tennessee. The Beauty Pitch will take place in Las Vegas in July. The winner will receive a one-year mentorship ...

Case Antiques Inc. Auctions & Appraisals Expands into the Nashville Area


Knoxville, Tennessee-based Case Antiques Inc. Auctions & Appraisals has opened an office at 116 Wilson Pike Circle, Suite #102, in Brentwood, Tennessee, a suburb of Nashville. The office will handle consignments from Middle and West Tennessee, southern ...

Brentwood artist honored by state, Haslam


Brentwood artist honored by state, Haslam World-renowned portrait work of Brentwood artisit honored by State of Tennessee in a joint resolution Check out this story on Tennessean.com: http://tnne.ws/1HwkbIA

EY Announces Stan Bevis, Founder of Fast Pace Urgent Care, as Finalist for the EY Entrepreneur Of The Year® 2015 Southeast Program


About Fast Pace Urgent Care Fast Pace is the largest provider of urgent care and primary care services in Tennessee and one of the fastest growing companies in the industry. Fast Pace is headquartered in Brentwood, TN and provides convenient and affordable ...

NuBody Concepts Offers Body Skin Tightening Figure Enhancing And Body Contouring Using The Power Of Water


NuBody Concepts also offers hair restoration for men and women. Their hair doctors offer the best hair transplant surgery in Memphis and Brentwood TN. They use the NeoGraft procedure which is a less invasive scarless procedure and offers less downtime and ...

TSU Graduate Awarded Diploma Posthumously


Freshman Jazmyn Snipes of Brentwood, Tennessee died on May 14 at her home.” According to his obituary, Strong was a graduate of Hamilton and Whitehaven High School. He is survived by his parents and two sisters.

Tennessee High Repeats as Class AAA Tennis State Champs


Tennessee High’s march was interrupted by Brentwood with titles in 2010, 2012 and 2013 as these two programs have won the last six AAA crowns. Before that period Science Hill won three state titles. “Not a bad run for a high school tennis team ...

Brentwood police hope to sell surplus weapons to help buy less-lethal force


Brentwood, TN -- A Midstate police chief said he wants to invest in weapons that are less lethal, and his department plans to sell surplus weapons to help do so. Brentwood Police Chief Jeff Hughes said he wants to purchase stun guns for all 58 of his officers.

Engagement: Philip Peters and Laura Beth Stubblefield


Mr. and Mrs. Carl Peters are pleased to Mr. and Mrs. Carl Peters are pleased to announce the engagement of their son, Philip Peters of Greensburg to Laura Beth Stubblefield of Brentwood, Tennessee. Laura Beth is the daughter of Clarence Stubblefield and ...

Large 4+ Bedroom 3.5 Bathroom Home in Brentwood


Click for details Bedrooms:4 beds Bathrooms:3.5 baths Single Family:3,347 sq ft Lot:7,500 sq ft Year Built:2006   No backyard neighbors Granite counters in kitchen Tile floor in kitchen Lam…

Jordana Brewster leaving a gym in Brentwood 05/27/2015


Jordana Brewster – leaving a gym in Brentwood 05/27/2015

JORDANA BREWSTER in Legging Leeaves a Gym in Brentwood 05/26/2015


JORDANA BREWSTER in Legging Leeaves a Gym in Brentwood 05/26/2015 –

Jordana Brewster leaving a gym in Brentwood 05/26/2015


Jordana Brewster – leaving a gym in Brentwood 05/26/2015

Lea Michele Out and about in Brentwood 05/24/15


Lea Michele – Out and about in Brentwood – 05/24/15

ALANIS MORISSETTE Out Shopping at Ron Herman in Brentwood 05/19/2015


ALANIS MORISSETTE Out Shopping at Ron Herman in Brentwood 05/19/2015 –

MINKA KELLY in Jeans Out and About in Brentwood 05/21/2015


MINKA KELLY in Jeans Out and About in Brentwood 05/21/2015 –

Soupure Making Soup Sexy In Brentwood


Lately on the Westside, it seems like you can’t swing a dead cat without hitting a couple of cold-pressed juice joints.  But soup?  According to Soupure, soup is the new juice.  A diminutive kiosk has…

Reese Witherspoon shopping at Bristol Farms in Brentwood May 12 2015 x36


Reese Witherspoon shopping at Bristol Farms in Brentwood May 12-2015 x36

Man injured when pushed off bus in Brentwood


A man was injured when a passenger on a Port Authority of Allegheny County bus pushed the man off the bus, authority spokesman Jim Ritchie … Man injured when pushed off bus in Brentwood




SPECIAL INFORMATION FOR BRENTWOOD

Tips to Prevent Data Theft in BRENTWOOD TENNESSEE

Today, it’s quick and easy to get a credit card approved, transfer money from one account to another, renew your driver’s license, fill a prescription from your doctor at your local pharmacy, use store loyalty cards, and purchase products online. But you pay for this convenience by providing more opportunities for your personal information to be changed, stolen, or reported inaccurately. Companies can also use the information you have shared to direct their future marketing efforts or can sell the information to other companies. To help protect your privacy, follow these tips:

  • Look for privacy statements on websites, sales materials, and forms you fill out. If a website claims to follow a set of established voluntary standards, read the standards. Don´t assume they provide the level of privacy you want.
  • Ask how your personal information will be stored and used.
  • Only provide the purchase date, model/serial numbers, and your contact information of warranty registration forms.
  • Discuss privacy with others in your home. Everyone, even children, should understand what information is not appropriate to share on the phone, while using a computer, tablet, smart phone and in other situations.

Check with your state or local consumer agency to find out whether any state laws that help protect your privacy. Some companies and industry groups have also adopted voluntary policies that address privacy concerns.

Creating Secure Passwords

The number of passwords that you need on a daily basis can be overwhelming. It is tempting to use the same password across several sites; however to get the most protection available, you should use different passwords on each site and change your passwords periodically. The goal for creating passwords is to strike a balance between being something that is easy to remember and unique. Some general tips for creating a secure password include:

  • Use a mix of uppercase and lowercase letters, numbers, and special characters.
  • The longer password, the better it is.
  • Don’t use your name, birthday, license plate, favorite sports teams or other facts that are easily guessed.
  • Create a password based on a phrase. For example “A stitch in time saves nine” can be translated into the password “Ast!Ts9”. where each character represents a word in the phrase.
  • If you must use the same password on several websites, add a prefix or suffix. For example, use “Ast!Ts9:4bnk”for your bank account and “Eml: Ast!Ts9” for your email account.

Back to Top

Specialty Consumer Reports

Credit reports are not the only reports that you can get for free. The same law that allows you to get a free credit report each year also allows you to get a copy of specialty consumer reports. Just like Equifax, Experian, and TransUnion collect your credit information, there are other companies that collect information about your medical, insurance, rental/tenant and alternative credit histories. Landlords, insurers and other companies buy these reports to help them decide whether or not they will offer their services to you.

Just like your credit reports, you have the right to a free annual report from each specialty consumer reporting agency. Since there is no centralized place to order these reports (like there is for credit reports), you must contact each agency individually. If you are planning to rent an apartment, ask the landlord for the name of the screening company that they use and request a copy of your report in advance. Similarly if you are getting a new insurance policy, you can contact the consumer reporting agencies that collect related information. If there is a mistake on your report, you have a right to correct it.

For a list of specialty consumer agencies, visit the Consumer Financial Protection Bureau (PDF) or Privacy Rights Clearinghouse. If you need to file a complaint about a consumer reporting agency, contact the Consumer Financial Protection Bureau or the Federal Trade Commission.

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BRENTWOOD TENNESSEE tspan:3m BRENTWOOD TENNESSEE




Make Your Health Benefits Work for You in BRENTWOOD TENNESSEE

The Department of Labor´s Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits.

In addition, there are specific laws protecting your right to health benefits when you lose coverage or change jobs. EBSA also oversees health care laws covering special medical conditions. For more information on the laws that protect your benefits, see EBSA´s Website. Or call the agency toll free at 1-866-444-3272 to reach a regional office near you. These 10 tips can help make your health benefits work better for you.

1. Explore Your Options for Health Coverage

You have options for health coverage. There are many different types of health benefit plans. Find out what your employer offers, then check out the plan (or plans). Your employer´s human resource office, the health plan administrator, or your union can provide information to help you match your needs and preferences with the available plans. Or consider a health plan through the Health Insurance Marketplace. Visit HealthCare.gov to see the health plan options available in your area. Get information about all of your options and review it. The more information you have, the better your health care decisions will be.

2. Review the Benefits Available

Do the plans offered cover the benefits that are important to you, such as mental health services, well-baby care, vision or dental care? Are there deductibles? What are the out-of-pocket expenses you may face? Determine your needs and priorities. Compare all of your options before you decide which coverage to elect. Matching your needs and those of your family members will result in the best possible benefits. Cheapest may not always be best. Your goal is high quality health benefits.

3. Read Your Plan´s Summary Plan Description (SPD) for the Wealth of Information It Provides

Your health plan administrator should provide a copy. It outlines your benefits and your legal rights under the Employee Retirement Income Security Act (ERISA), the Federal law that protects your health benefits. It also should contain information about the coverage of dependents, what services will require a co-payment or coinsurance, and the circumstances under which your employer can change or terminate a health benefits plan. You also can find many of the answers to your questions in the Summary of Benefits and Coverage (SBC), a short, easy-to-understand summary of what a plan covers and what it costs. You should receive a copy with your enrollment materials. Save the SPD, the SBC, and all other health plan brochures and documents, along with memos or correspondence from your employer relating to health benefits.

4. Use Your Health Coverage

Once your health coverage has started, use it to help cover medical costs for services like going to the doctor, filling prescriptions or getting emergency care. Using your benefits will help you and your family stay healthy and reduce your health care costs. The Patient Protection and Affordable Care Act (ACA) provides many valuable protections for people enrolled in employment-based health plans including prohibiting preexisting condition exclusions and annual and lifetime limits on essential health benefits. What’s more, many plans cover certain preventive services for free, including routine vaccinations, regular well-baby and well-child visits, blood pressure, diabetes and cholesterol tests, and many cancer screenings. You also can keep your children on your health plan until age 26. Take advantage of your benefits, especially free preventive care if your plan covers it. If you were required to pay cost-sharing for a preventive service, check your Explanation of Benefits and ensure that the provider billed the service properly.

5. Understand Your Plan’s Mental Health and Substance Use Coverage

Many health plans provide coverage for mental health and substance use disorder benefits. If a plan does offer these benefits, the financial requirements (such as co-payments and deductibles) and the quantitative treatment limits (such as visit limits) for the mental health and substance use disorder benefits cannot be more restrictive than the financial requirements or treatment limits applied to medical/surgical benefits. Plans also cannot impose lifetime and annual limits on the dollar amount of mental health and substance use disorder services, including behavioral health treatment. Some plans cover preventive services like screenings for depression and child behavioral assessments for free. Check your SPD and SBC to find out what your plan covers.

6. Look For Wellness Programs

More employers are establishing wellness programs that encourage employees to work out, stop smoking, and generally adopt healthier lifestyles. The Health Insurance Portability and Accountability Act (HIPAA) and the ACA encourage group health plans to adopt wellness programs but also includes protections for employees and dependents from impermissible discrimination based on a health factor. These programs often provide rewards such as cost savings as well as promoting good health. Check your SPD and SBC to see whether your plan offers a wellness program(s). If your plan does, find out what reward is offered and what you need to do to receive it.

7. Know How to File an Appeal if Your Health Benefits Claim is Denied

Understand your plan’s procedures for filing a claim for benefits and where to make appeals of the plan´s decisions. Pay attention to time limits – make sure you timely file claims and appeals and that the plan makes decisions on time. Keep records and copies of correspondence. Check your health benefits package and your SPD to determine who is responsible for handling problems with benefit claims. Contact EBSA for assistance if you are unable to obtain a response to your complaint.

8. Assess Your Benefits Coverage as Your Family Status Changes

Marriage, Porce, childbirth or adoption, the death of a spouse, and aging out of a parent’s health plan are life events that may signal a need to change your health benefits. You, your spouse, and your dependent children may be eligible for special enrollment into other employer health coverage or through the Health Insurance Marketplace. Even without life-changing events, the information provided by your employer should tell you how you can change benefits or switch plans. If you’re considering special enrollment, act quickly. You have 30 days after the life event to request special enrollment in other employer coverage or 60 days to select a plan in the Marketplace.

9. Be Aware that Changing Jobs and Other Work Events Can Affect Your Health Benefits

If you change employers or lose your job, you may need to find other health coverage. If you have a new job, consider enrolling in your new employer’s plan. Whether starting or losing a job, you may be eligible to special enroll in a spouse’s employer-sponsored plan or through the Health Insurance Marketplace. Under the Consolidated Omnibus Budget Reconciliation Act – better known as COBRA – you, your covered spouse, and your dependent children may be eligible to continue coverage under your former employer-sponsored plan. This coverage is temporary (generally 18 to 36 months) and you may have to pay the entire premium plus a 2 percent administrative charge. Get information on your coverage options and compare. Be aware of the deadlines for deciding on coverage and find out when your new coverage will be effective.

10. Plan For Retirement

Before you retire, find out what health benefits, if any, extend to you and your spouse during your retirement years. Consult with your employer´s human resources office, your union, or the plan administrator. Check your SPD and other plan documents. Make sure there is no conflicting information among these sources about the benefits you will receive or the circumstances under which they can change or be eliminated. With this information in hand, you can make other important choices, like finding out if you are eligible for Medicare and Medigap insurance coverage. If you want to retire before you are eligible for Medicare and your employer does not provide health benefits in retirement, consider what you will do for health coverage. Your options may include enrolling in a spouse’s employer plan or in a Marketplace plan or temporarily continuing your employer coverage by electing COBRA. Planning for retirement includes planning for your health coverage in retirement. To find out more, read Taking the Mystery Out of Retirement Planning.

These Laws Can Help

  • The Employee Retirement Income Security Act – Offers protection for inPiduals enrolled in retirement, health, and other benefit plans sponsored by private-sector employers, and provides rights to information and a claims and appeals process for participants to get benefits from their plans.
  • The Patient Protection and Affordable Care Act – Creates the Health Insurance Marketplace and provides protections for employment-based health coverage, including extending dependent coverage of children to age 26; prohibiting preexisting condition exclusions and prohibiting lifetime and annual limits on essential health benefits.
  • The Consolidated Omnibus Budget Reconciliation Act – Contains provisions giving certain former employees, retirees, spouses, and dependent children the right to purchase temporary continuation of group health plan coverage at group rates in specific instances.
  • The Health Insurance Portability and Accountability Act – Allows employees, their spouses and their dependents to enroll in employer-provided health coverage regardless of open enrollment periods if they lose coverage or in the event of marriage, birth, adoption or placement for adoption. Also prohibits discrimination in health care coverage.
  • The Women´s Health and Cancer Rights Act – Offers protections for breast cancer patients who elect breast reconstruction in connection with a mastectomy.
  • The Newborns´ and Mothers´ Health Protection Act – Provides rules on minimum coverage for hospital lengths of stay following childbirth.
  • The Genetic Information Nondiscrimination Act – Prohibits discrimination in group health plan premiums based on genetic information. Also, generally prohibits group health plans from requesting genetic information or requiring genetic tests.
  • The Mental Health Parity and Addiction Equity Act and the Mental Health Parity Act – Requires parity in financial requirements and treatment limitations for mental health and substance use benefits with those for medical and surgical benefits.
  • The Children´s Health Insurance Program Reauthorization Act – Allows special enrollment in a group health plan if an employee or dependents lose coverage under CHIP or Medicaid or are eligible for premium assistance under those programs.

For More Information

Visit the Employee Benefits Security Administration’s Website to view the following publications. To order copies or to request assistance from a benefits advisor, contact EBSA electronically or call toll free 1-866-444-3272.

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A generic drug is an identical copy of another factory named

1. What are generic drugs?

A generic drug is an identical copy of another factory named. The same dosage, safety, strength, desired effect, how to use and final results, unless the trademark.

2. Are the equally safe generic drugs to leading factory name? 

Yes. The FDA requires that all drugs are safe and effective. Being that the generic use the same active ingredients and work in the body in the same way as the original, also have the same risks and benefits.

 3. Are the equally powerful to the original generic drugs?

Yes. The FDA requires that generic drugs are of the same quality, strength, purity and stability as their counterparts with factory name.

4. generic drugs need more time to work in the body?

No. Generic drugs work in the same way and for the same period of time the drugs trade name.

5. Why are generic drugs less expensive?

One of the main reasons is because the manufacturers of generic drugs did not have to invest money to the developers of the original drug spent on the new product. New drugs are developed and protected by a patent. The patent protects the investment-including research, development, distribution and advertising-giving the company the sole right to sell the drug while it remains in effect. When approaching the expiration of the patent, manufacturers pueded submit an application to the FDA to sell generic versions of the drug. Since these manufacturers do not incur these costs desarrolllo the product as the first, can sell the generic version at substantial discounts. There is also more competition and less advertising, which helps keep the price down. Today, almost half of all drug prescriptions are replaced with generic versions.

6. Are drugs with name brand, produced in more modern facilities than generic?

No. Both facilities must meet manufacturing requirements required by the FDA. The agency does not allow drug manufacturing facilities of inferior quality. The FDA annually conducts about 3,500 inspections to ensure that regulations are met. The signatures of generic drugs work comparable to those of drugs called factory facilities. Indeed, the producers of original drugs produce approximately about 50 percent of generic drugs; frequently make copies of their own brand and other firms that are sold without the original name.

7. If the name drugs and generic factory have the same active ingredients, why they look different?

In the United States the law does not allow a generic drug look exactly the same to another name or trademark. However, a generic drug must duplicate the active ingredient of the original. The colors, flavors and some inactive ingredients may be different.

8. Is it necessary that every drug has a generic equivalent?

No. When drugs called factory were introduced, most of which were protected by a patent for 17 years.This provided protection to the originator that covered the initial costs (including research and marketing expenses) to develop the new drug. However, when the patent expires, other companies can introduce genetic competing versions, but only after being put to thorough testing by the manufacturer and FDA approved.

 9. What is the best source of information about generic drugs?

Contact your doctor, pharmacist, or insurance company for more information about its generic drugs. You can also visit the FDA on the Internet: Understanding Generic Drugs. [5]










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