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Latest News - FIFE LAKE MICHIGAN

Holland’s Demetrius Lake surprised with Michigan AP All-State honors


Demetrius Lake, Holland, So. Foster Loyer, Clarkston, Fr. Trevor Manuel, Everett, Sr. Brailen Neely, Detroit Western, Jr. Jaylin Walker, Romulus, Sr. Cassius Winston, Detroit Jesuit, Jr. COACHES: Donald Ferguson, Lansing Everett; Dan Fife, Clarkston ...

Reflections: Weather can be an ice-breaker


And if the conversation goes cold, just wait for spring like the rest of us. Ed Hungness and his wife are full-time residents of Fife Lake. He can be reached at edhungness@yahoo.com or by mail at P.O. Box 57, Fife Lake, MI 49633.

Some Michigan residents face power outages amid extreme cold


FIFE LAKE, Mich. (AP) — Authorities say some Michigan residents are dealing with power outages as temperatures plunge to more than 20 degrees below zero. MLive.com reports some residents in the area of Fife Lake in Grand Traverse County on Friday lost power.

Crawfords celebrate 50th


at St. Aloysius Church in Fife Lake, Michigan, by Fr. Joseph Wiekierak. After they were married, they lived for a short time in Clio, Michigan, but soon after moved back home and built a house in Fife Lake, where they raised three children and have lived ...

Fife Lake, Michigan Vacation Rentals


Fife Lake, Michigan offers great vacation house rental and home rental-by-owner deals for the knowledgeable traveler. No matter what budget or level of comfort you seek in your holiday to Fife Lake, MI, there's surely a great local vacation home rental ...

Benefit Held For Fife Lake Family


A hiker stumbled across a rare sighting along the Lake Michigan shoreline. A piece of history revealed itself again after being covered for several years. A hiker stumbled across a rare sighting along the Lake Michigan shoreline. A piece of history ...

Grants help Fife Lake move forward with projects


after receiving word Fife Lake will receive a funding award through the Northwest Michigan Council of Governments. “We are making arrangements to get the check, and parts are on order for the dock extension to the municipal dock,” Leedy said.

North County Trail and Fife Lake Trail Loop now open for hikers


FIFE LAKE, MI -- The cool of early morning clung to the forest landscape and highway sounds carried through the trees, but Marilyn Hoodstraten and Deena Barshney were busy at their tasks, paint brushes in hand. Each was clad in warm clothes and they went ...

ANDREW DAVID TALLMAN Fife Lake, formerly of Caro


...
a valued member of Fife Lake Baptist Church where he had taught Sunday school and served the Lord faithfully. Andy is survived by his wife Jessie; sons, Alexander (Jill) Tallman, Samuel (Sue) Tallman, Roland (Kelly) Kenski; daughter, Rebecca (Don ...

March 2015 Wrap Up Post-Libby Fife Fine Art


1. Coming and Going  Image size 10" x 13" matted to 14" x 18" acrylic on paper 2. I'd Rather Be Image size 10" x 13" matted to 14" x 18" acrylic on paper 3. Made of Stone Image size 10" x 13" acrylic …

New Work: Near and Far


Near and Far 10" x 13" acrylic on wc paper/matted to 14" x 18" available: libbyfife@ymail.comOne of the things I did in the past two weeks was to reorganize the garage. As a consequence of straighteni…

Day 9: 117 Miles, 117 Photos – On the Road Again


Following Day 8 of the Fife Coastal Path adventure, I headed home to the Black Isle for six nights to give myself a break before tackling the final thirty miles. I caught up on some DIY, relaxed and g…

Where Do I Get Temovate In Mobile - Medicine Temovate On Sale


Temovate 0.05%/30g - High Quality Meds Buy Temovate Online - Click Here Best Buy Generic Temovate Germany Treatment haemophilus influenzae dermatosis Medicine …

Swiss Holcim Takes Upper Hand In Lafarge Deal, French Architect Sidelined


In less than a week, Swiss cement and construction materials group Holcim wrestled the upper hand from French Lafarge in a merger deal that was meant to be a “marriage of equals” when it was first pre…

The Queen's Birthday Honours list - in full


img, .hide-comment-buttons #singleCommentHeader .formContainer >.title, .hide-comment-buttons #loginButtonContainer display: none; /* Expandable MPU fix */ #side .x300 overflow: visible!important; …

Sara could see jewels at the bottom of the inky black lake


Hello everybody :) I haven't created any glittery designs for quite a while so I think it is high time to do that now. For this design I used 'Confetti' from Ciate. This mini bottle of incredibly shin…

KALKASKA COUNTY EAST LAKE PRIVATE FRONTAGE-$44,900


Wow, imagine your own Seasonal get away for only $44,900. Almost an acre parcel with 75 feet of private frontage on all sports East Lake, two outbuildings, well, electric and septic already in place. …

AmFam ALL-USA Inland NW Weekly Performers (Mar. 3) - With state competition on the horizon, these five athletes played spectacularly in regionals.


A hectic week is coming up in the prep ranks. State competition all across Washington for boys and girls basketball. Also, in Idaho, the boys will be going to work as well, but before we look forward,…

25 Things Everyone Must Eat In Scotland


Come for the scenery, stay for the chocolate orange and cardamom cake. Fish and chips at Anstruther Fish Bar, Fife. This multi-award-winning chip shop in the ludicrously pretty fishing village of A…




SPECIAL INFORMATION FOR FIFE LAKE

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]



FIFE LAKE MICHIGAN tspan:3m FIFE LAKE MICHIGAN




Protect Your Business in FIFE LAKE MICHIGAN from Spring Weather Threats

This winter has been particularly harsh for businesses in the northeast and parts of the southern U.S., as record snowfalls and frigid temperatures forced many companies to close their doors for several days.

Many parts of the country are bracing for possible spring floods that may follow when the snow melts. Meanwhile, April through June is the peak time for tornadoes, according to the National Oceanic and Atmospheric Administration (NOAA). The Southeast, Midwest, the Gulf States and the South Central region are particularly vulnerable to these dangerous windstorms.

Now is a good time to make a plan to protect your clients, customers and your business for the threats caused by spring storms and floods. Join the U.S. Small Business Administration and Agility Recovery on Tuesday, March 10 at 2 p.m. EDT for a free webinar on best practices for mitigating spring weather risks. These preparedness tips are based on real-life recovery experiences from business owners.

The SBA has partnered with Agility to offer business continuity strategies through its “PrepareMyBusiness” website. Visit www.preparemybusiness.org to access previous webinars and for additional preparedness tips.

The SBA provides disaster recovery assistance in the form of low-interest loans to homeowners, renters, private nonprofits and businesses of all sizes. To learn more, visit www.sba.gov/disaster.

WHAT: “Preparing for Severe Spring Weather” - A presentation from Agility CEO Bob Boyd, followed by a question and answer session.

WHEN: Tuesday, March 10, 2015 from 2 –3 p.m. EDT
HOW:

Space is limited. Register at http://agil.me/springprepsba

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Make Your Health Benefits Work for You in FIFE LAKE MICHIGAN

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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