2013년 11월 30일 토요일

오후 4:52

By Adrianne Cerezo

In: Dedicated Service Award, Dedicated Service Certificate, Dedicated Service Descriptions, Dedicated Service Quotes, Dedicated Transport Services, Honor Speech for Dedicated Service, Point Dedicated Services Troy MI, Rogers Dedicated Services

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About 'dedicated health services'|...Monetary Fund (IMF) and the EU have told the Latvians to cut their National Health service budget in half amongst other draconian roll backs so they can pay interest...

Ｅｖｅｎ               ｔｈｏｕｇｈ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｉｓ               ｎｏｔ               ａｌｌ               ｔｈａｔ               ｑｕｉｔｅ               ｐｏｐｕｌａｒ,               ｍａｎｙ               ｐｅｏｐｌｅ               ｈａｖｅ               ｍｅｎｔａｌ               ｉｌｌｎｅｓｓ               ｉｎ               ｔｈｅ               ｇｒｅａｔ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ａｎｄ               ｔｈｅ               ｓｔａｔｅ               ｔａｋｅｓ               ｅｘｔｒｅｍｅ               ｓｔｅｐｓ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ｐｒｏｃｅｄｕｒｅｓ               ａｒｅ               ａｖａｉｌａｂｌｅ               ｔｏ               ｐｒｏｔｅｃｔ               ｔｈｅｍ               ａｎｄ               ｄｅａｌ               ｗｉｔｈ               ｔｈｅｉｒ               ｓｐｅｃｉｆｉｃ               ｉｓｓｕｅｓ               ｏｎ               ａ               ｃａｓｅ               ｂｙ               ｃａｓｅ               ｂａｓｉｓ               ｂｅｃａｕｓｅ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ｅｎｓｕｒｅｄ               ｔｈａｔ               ｆｕｎｄｉｎｇ               ｉｓ               ｒｅａｄｉｌｙ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｔｈｅ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｄｅｐａｒｔｍｅｎｔ               ａｎｄ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｆｕｎｄｉｎｇ               ｉｓ               ｓｏｍｅｔｈｉｎｇ               ｔｈａｔ               ｉｓ               ｇｒｅａｔｌｙ               ｎｅｅｄｅｄ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ｔｈｅ               ｐｕｂｌｉｃ               ｇｅｔｓ               ｔｈｅ               ｐｒｏｐｅｒ               ａｓｓｉｓｔａｎｃｅ.

Ｂｕｔ,               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｄｏｅｓ               ｈａｖｅ               ｓｏｍｅ               ｔｒｏｕｂｌｅ               ｍｅｅｔｉｎｇ               ｔｈｅ               ｎｅｅｄｓ               ｏｆ               ｔｈｅ               ｍｅｎｔａｌｌｙ               ｉｌｌ               ｐｕｂｌｉｃ.

Ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ｃｒｅａｔｅｄ               ａ               ｌａｒｇｅｒ               ｂｕｄｇｅｔ               ｔｏ               ｉｎｃｏｒｐｏｒａｔｅ               ｍｏｒｅ               ｅｍｐｈａｓｉｓ               ｏｎ               ｊａｉｌ               ｄｉｖｅｒｓｉｏｎ               ａｎｄ               ｓｕｉｃｉｄｅ               ｐｒｅｖｅｎｔｉｏｎ.

Ｉｎ               ｔｈｅ               ｐａｓｔ               ｙｅａｒｓ,               ｔｈｅ               ｊａｉｌ               ｓｙｓｔｅｍ               ｄｅａｌｔ               ｗｉｔｈ               ｓｕｉｃｉｄｅ               ｐｒｅｖｅｎｔｉｏｎ               ｂｙ               ｓｉｍｐｌｙ               ｐｌａｃｉｎｇ               ａｎ               ｏｆｆｉｃｅｒ               ｉｎ               ｆｒｏｎｔ               ｏｆ               ａ               ｃｅｌｌ               ｔｏ               ｗａｔｃｈ               ａｎ               ｏｆｆｅｎｄｅｒ               ｔｈｒｏｕｇｈｏｕｔ               ｔｈｅ               ｓｈｉｆｔ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ｔｈｅ               ｏｆｆｅｎｄｅｒ               ｄｏｅｓ               ｎｏｔ               ｈａｒｍ               ｈｉｍｓｅｌｆ               ｏｒ               ｈｅｒｓｅｌｆ.

Ｉｎ               ｔｏｄａｙ'ｓ               ｈｕｍａｎ               ｒｅｓｏｕｒｃｅｓ               ｔｈｅ               Ｔｅｘａｓ               ｇｏｖｅｒｎｍｅｎｔ               ｈａｓ               ｇｒａｎｔｅｄ               ｍｏｒｅ               ｆｕｎｄｓ               ｔｏ               ｃｒｅａｔｅ               ｓｔｒｏｎｇｅｒ               ｐｒｏｇｒａｍｓ.

Ｔｈｉｓ               ｗａｓ               ａ               ｖｅｒｙ               ｄｉｆｆｉｃｕｌｔ               ｕｎｍｅｔ               ｎｅｅｄ               ｆｏｒ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ａｎｄ               ｎｏｗ               ｔｈｅｓｅ               ｆｕｎｄｓ               ｗｉｌｌ               ａｌｌｏｗ               ｆｏｒ               ｐｒｏｐｅｒ               ｃｌａｓｓｉｆｉｃａｔｉｏｎ               ｏｆ               ｏｆｆｅｎｄｅｒｓ               ｗｉｔｈｉｎ               ｔｈｅ               ｊｕｓｔｉｃｅ               ｓｙｓｔｅｍ.
               Ｒｅｇｕｌａｒ               ｈｅａｌｔｈ               ａｎｄ               ｂｅｈａｖｉｏｒａｌ               ｈｅａｌｔｈ               ｈａｖｅ               ｂｅｃｏｍｅ               ａｎｏｔｈｅｒ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｈｅａｌｔｈ               ａｎｄ               ｈｕｍａｎ               ｓｅｒｖｉｃｅｓ               ｄｅｐａｒｔｍｅｎｔ.

Ｔｈｅ               Ｈｅａｌｔｈ               ａｎｄ               Ｈｕｍａｎ               Ｓｅｒｖｉｃｅｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ｂｅｇｕｎ               ｔｏ               ｉｎｔｅｇｒａｔｅ               ｈｅａｌｔｈ               ａｎｄ               ｂｅｈａｖｉｏｒａｌ               ｈｅａｌｔｈ               ｔｏｇｅｔｈｅｒ               ｔｏ               ｃｒｅａｔｅ               ｗｏｒｋ               ｇｒｏｕｐｓ.

Ｔｈｉｓ               ｗｉｌｌ               ｃｌｅａｒｌｙ               ａｌｌｏｗ               ｆｏｒ               ｂｏｔｈ               ｓｉｄｅｓ               ｏｆ               ｔｈｅ               ｈｅａｌｔｈ               ｓｅｒｖｉｃｅｓ               ｔｏ               ｃｒｅａｔｅ               ｓｔｒｏｎｇｅｒ               ａｇｅｎｄａｓ               ｉｎ               ｗｈｉｃｈ               ｗｏｕｌｄ               ｂｅｎｅｆｉｔ               ｔｈｅ               ｐｕｂｌｉｃ.
               Ｉｎ               ａｄｄｉｔｉｏｎ               ｔｏ               ｔｈｅ               ｂｅｈａｖｉｏｒ               ｈｅａｌｔｈ               ａｎｄ               ｈｅａｌｔｈ               ｓｕｂ-ｄｅｐａｒｔｍｅｎｔｓ,               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ｄｅｃｉｄｅｄ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｗｉｔｈ               ｔｈｅ               ｃａｒｅ               ｔａｓｋ               ｆｏｒｃｅ               ｗｈｉｃｈ               ｗａｓ               ｃｒｅａｔｅｄ               ｔｏ               ｍａｋｅ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ａｓｓｉｓｔａｎｃｅ               ｒｅａｄｉｌｙ               ａｖａｉｌａｂｌｅ               ｔｏ               ｔｈｏｓｅ               ｗｈｏ               ｒｅａｌｌｙ               ｎｅｅｄ               ｔｈｅ               ｈｅｌｐ.

Ｔｈｅ               ｔａｓｋ               ｆｏｒｃｅ               ｉｓ               ｅｘｐａｎｄｉｎｇ               ｔｏ               ｔｈｅ               ｏｎ-ｌｉｎｅ               ｓｅｃｔｉｏｎ               ｏｆ               ｔｈｅ               Ｔｅｘａｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｈｅａｌｔｈ               ａｎｄ               Ｈｕｍａｎ               Ｓｅｒｖｉｃｅｓ.

Ｔｈｅ               ｔａｓｋ               ｆｏｒｃｅ               ｉｓ               ｄｅｄｉｃａｔｅｄ               ｔｏ               ｆｉｘｉｎｇ               ｉｓｓｕｅｓ               ｗｈｉｃｈ               ｉｎｖｏｌｖｅ               ｐｅｏｐｌｅ               ｗｈｏ               ａｒｅ               ｆｏｕｎｄ               ｉｎｃｏｍｐｅｔｅｎｔ               ｔｏ               ｓｔａｎｄ               ｔｒｉａｌ               ｉｎ               ａ               ｃｏｕｒｔ               ｏｆ               ｌａｗ.

Ｔｈｅ               ｔａｓｋ               ｆｏｒｃｅ               ｈａｓ               ａｌｓｏ               ａｓｓｉｓｔｅｄ               ｉｎ               ｔｈｅ               ｒｅｓｔｏｒａｔｉｏｎ               ｏｆ               ｐｒｏｇｒａｍｓ               ｃｏｎｎｅｃｔｅｄ               ｔｏ               ａｓｓｉｓｔｉｎｇ               ｄｅｆｅｎｄａｎｔｓ               ｇｅｔ               ｔｒｅａｔｍｅｎｔ               ａｓ               ｗｅｌｌ               ａｓ               ｃｕｔｔｉｎｇ               ｃｏｓｔｓ.
               Ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ａｌｓｏ               ｓｅｅｎ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｎｅｅｄ               ｆｏｒ               ａ               ｂｅｔｔｅｒ               ｓｕｂｓｔａｎｃｅ               ａｂｕｓｅ               ｐｒｏｇｒａｍ               ｗｈｉｃｈ               ｗｉｌｌ               ａｓｓｉｓｔ               ｉｎ               ｃｒｉｓｉｓ               ｓｅｒｖｉｃｅｓ.

Ｔｈｉｓ               ｐｌａｎ               ｔｏ               ａｗａｒｄ               $25               ｍｉｌｌｉｏｎ               ｄｏｌｌａｒｓ               ｔｏ               ｆｕｎｄ               17               ｌｏｃａｌ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｃｅｎｔｅｒｓ               ｗｉｌｌ               ａｌｌｏｗ               ｔｈｅ               ｃｅｎｔｅｒｓ               ｔｏ               ａｓｓｉｓｔ               ｖｉｃｔｉｍｓ               ｏｆ               ｐｓｙｃｈｉａｔｒｉｃ               ｅｍｅｒｇｅｎｃｉｅｓ.

Ｔｈｉｓ               ｗｉｌｌ               ｃｒｅａｔｅ               ａｌｔｅｒｎａｔｉｖｅｓ               ｒａｔｈｅｒ               ｔｈａｎ               ｓｅｎｄｉｎｇ               ｐａｔｉｅｎｔｓ               ｔｏ               ｌｏｃａｌ               ｈｏｓｐｉｔａｌｓ               ｉｎ               ｗｈｉｃｈ               ｗｉｌｌ               ｎｏｔ               ｒｅｃｅｉｖｅ               ｔｈｅ               ｐｒｏｐｅｒ               ａｓｓｉｓｔａｎｃｅ               ｎｅｅｄｅｄ               ｔｏ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｔｈｅｉｒ               ｉｓｓｕｅｓ.

Ｔｈｉｓ               ｗｉｌｌ               ｄｒａｍａｔｉｃａｌｌｙ               ｃｕｔ               ｃｏｓｔｓ               ｉｎ               ｕｎｎｅｅｄｅｄ               ｈｅａｌｔｈ               ｃａｒｅ               ｅｘｐｅｎｓｅｓ               ｓｔａｔｅ               ｗｉｄｅ.
               Ｉｎ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ,               ｃｈｉｌｄｒｅｎ'ｓ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｓｅｒｖｉｃｅｓ               ｈａｖｅ               ｂｅｅｎ               ａｎ               ｕｎｍｅｔ               ｐｒｏｂｌｅｍ               ｉｎ               ｗｈｉｃｈ               ｐｒｏｖｉｓｉｏｎｓ               ｆｏｒ               ｄｅａｌｉｎｇ               ｗｉｔｈ               ｔｈｅ               ｃｈｉｌｄｒｅｎ               ｉｎ               ｔｈｅ               ｓｔａｔｅ               ｈａｖｅ               ｂｅｅｎ               ｇｅｔｔｉｎｇ               ｂｅｔｔｅｒ.

Ｄｉｆｆｅｒｅｎｔ               ｏｐｔｉｏｎｓ               ａｒｅ               ａｖａｉｌａｂｌｅ               ｆｏｒ               ｃｈｉｌｄｒｅｎ               ｓｕｃｈ               ａｓ               ｃｒｉｓｉｓ               ｈｏｔ-ｌｉｎｅｓ               ｆｏｒ               ｐａｒｅｎｔｓ               ｗｈｏ               ａｒｅ               ｉｎ               ｎｅｅｄ               ｏｆ               ａｓｓｉｓｔａｎｃｅ               ｗｈｏ               ｄｏ               ｎｏｔ               ｋｎｏｗ               ｈｏｗ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｄｉｆｆｅｒｅｎｔ               ｓｉｔｕａｔｉｏｎｓ.

Ｓｃｒｅｅｎｉｎｇｓ               ａｒｅ               ａｎｏｔｈｅｒ               ｗａｙ               ｉｎ               ｗｈｉｃｈ               ｐａｒｅｎｔｓ               ｃａｎ               ｒｅｑｕｅｓｔ               ｔｏ               ｂｅ               ｉｎｔｅｒｖｉｅｗｅｄ               ｂｙ               ａ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｐｒｏｆｅｓｓｉｏｎａｌ.

Ｄｕｒｉｎｇ               ａ               ｓｃｒｅｅｎｉｎｇ               ａ               ｔｒａｉｎｅｄ               ｍｅｎｔａｌ               ｈｅａｌｔｈ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｗｉｌｌ               ｂｅ               ａｂｌｅ               ｔｏ               ａｓｓｅｓｓ               ｔｈｅ               ｃｈｉｌｄ               ａｎｄ               ｄｅｃｉｄｅ               ｉｆ               ａ               ｃｈｉｌｄ               ｎｅｅｄｓ               ｆｕｒｔｈｅｒ               ａｓｓｉｓｔａｎｃｅ               ｆｏｒ               ａｎ               ａｓｓｅｓｓｍｅｎｔ.
               Ｔｈｅ               Ｔｅｘａｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｆａｍｉｌｙ               ａｎｄ               Ｐｒｏｔｅｃｔｉｖｅ               Ｓｅｒｖｉｃｅｓ               ｈａｖｅ               ｂｅｅｎ               ｉｎ               ｇｒｅａｔ               ｒｅｌａｔｉｏｎｓ               ｔｏ               ａｓｓｉｓｔ               ｃｈｉｌｄｒｅｎ               ａｎｄ               ｆａｍｉｌｉｅｓ               ｗｉｔｈ               ｍｅｎｔａｌ               ｉｌｌｎｅｓｓ.

Ｏｎｃｅ               ａ               ｓｏｃｉａｌ               ｗｏｒｋｅｒ               ｗｉｔｈｉｎ               ｔｈｅ               ｄｅｐａｒｔｍｅｎｔ               ｏｆ               ｆａｍｉｌｙ               ａｎｄ               ｐｒｏｔｅｃｔｉｖｅ               ｓｅｒｖｉｃｅｓ               ｈａｓ               ａｓｓｅｓｓｅｄ               ａｎ               ｉｓｓｕｅ               ｗｉｔｈｉｎ               ａ               ｃｈｉｌｄ               ｏｒ               ｆａｍｉｌｙ,               ｈｅ               ｏｒ               ｓｈｅ               ｗｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｒｅｆｅｒ               ｃａｓｅｓ               ｔｏ               ｔｈｅ               Ｍｅｎｔａｌ               Ｈｅａｌｔｈ               ａｎｄ               Ｍｅｎｔａｌ               Ｒｅｔａｒｄａｔｉｏｎ               Ｉｎｖｅｓｔｉｇａｔｉｏｎｓ               ｕｎｉｔ               ｏｆ               Ｔｅｘａｓ.

Ｔｈｉｓ               ｄｅｐａｒｔｍｅｎｔ               ｉｓ               ｄｅｄｉｃａｔｅｄ               ｔｏ               ｉｎｖｅｓｔｉｇａｔｅ               ｉｓｓｕｅｓ               ｉｎ               ｗｈｉｃｈ               ｔａｋｅ               ｐｌａｃｅ               ｉｎ               ｓｔａｔｅ               ｓｕｐｐｏｒｔｅｄ               ｌｉｖｉｎｇ               ｃｅｎｔｅｒｓ;               ｓｔａｔｅ               ｈｏｓｐｉｔａｌｓ;               ｓｔａｔｅ               ｃｅｎｔｅｒｓ;               ｃｏｍｍｕｎｉｔｙ               ｍｅｎｔａｌ               ｈｅａｌｔｈ/ｍｅｎｔａｌ               ｒｅｔａｒｄａｔｉｏｎ               ｃｅｎｔｅｒｓ;               ａｎｄ               ｆａｃｉｌｉｔｙ'ｓ               ｗｈｉｃｈ               ａｒｅ               ｃｏｎｔｒａｃｔｅｄ.
               Ｔｈｅ               Ａｄｕｌｔ               Ｐｒｏｔｅｃｔｉｖｅ               Ｓｅｒｖｉｃｅｓ               ｓｕｂ-ｄｉｖｉｓｉｏｎ               ｆｒｏｍ               ｔｈｅ               Ｔｅｘａｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｆａｍｉｌｙ               ａｎｄ               Ｐｒｏｔｅｃｔｉｖｅ               Ｓｅｒｖｉｃｅｓ               ａｌｓｏ               ｈａｓ               ａｓｓｉｓｔｅｄ               ｗｉｔｈ               ｄｉｆｆｅｒｅｎｔ               ｐｒｏｇｒａｍｓ               ａｎｄ               ｆａｃｉｌｉｔｉｅｓ               ｔｈａｔ               ａｓｓｉｓｔ               ｐｅｒｓｏｎｓ               ｗｉｔｈ               ｍｅｎｔａｌ               ｉｌｌｎｅｓｓ.

Ｔｈｅ               ＡＰＳ               ｏｒ               Ａｄｕｌｔ               Ｐｒｏｔｅｃｔｉｖｅ               Ｓｅｒｖｉｃｅｓ               ｕｎｉｔ               ａｓｓｉｓｔｓ               ｔｈｅ               ｍｅｎｔａｌｌｙ               ｉｌｌ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｄｏｗｎ               ｔｏ               ｉｎｖｅｓｔｉｇａｔｉｎｇ               ｓｏｍｅｏｎｅ               ｏｒ               ｐｅｏｐｌｅ               ｗｈｏ               ｈａｖｅ               ｉｌｌｅｇａｌｌｙ               ｔｒｅａｔｅｄ               ｐａｔｉｅｎｔｓ.

Ｂａｓｉｃａｌｌｙ,               ＡＰＳ               ｗｉｌｌ               ｇｅｔ               ｉｎｖｏｌｖｅｄ               ｉｆ               ａｎ               ｉｎｃａｐａｃｉｔａｔｅｄ               ｏｒ               ｉｎｃｏｍｐｅｔｅｎｔ               ａｄｕｌｔ               ｉｓ               ｐｈｙｓｉｃａｌｌｙ               ａｂｕｓｅｄ               ｏｒ               ｍｉｓｔｒｅａｔｅｄ               ｇｒａｖｅｌｙ.

Ｐｅｏｐｌｅ               ｏｒ               ｃｏｍｐａｎｉｅｓ               ｗｈｏ               ａｒｅ               ｆｏｕｎｄ               ｇｕｉｌｔｙ               ｏｆ               ｃｏｍｍｉｔｔｉｎｇ               ｓｕｃｈ               ａｃｔｓ               ｔｈａｔ               ａｒｅ               ｐｒｅｓｃｒｉｂｅｄ               ｂｙ               ｌａｗ               ａｓ               ｉｌｌｅｇａｌ               ｗｉｌｌ               ｂｅ               ｐｒｏｓｅｃｕｔｅｄ               ｔｏ               ｔｈｅ               ｆｕｌｌｅｓｔ               ｅｘｔｅｎｔ               ｏｆ               ｔｈｅ               ｌａｗ.
               Ｉｎ               ｃｏｎｃｌｕｓｉｏｎ,               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｈａｓ               ｐｒｏｖｉｄｅｄ               ａ               ｖｅｒｙ               ｇｏｏｄ               ｂｕｄｇｅｔ               ｔｏ               ａｉｄ               ｉｔｓ               ｒｅｓｉｄｅｎｔｓ               ｗｈｏ               ｓｕｆｆｅｒ               ｆｒｏｍ               ｍｅｎｔａｌ               ｉｌｌｎｅｓｓ.

Ｗｉｔｈ               ｇｏｏｄ               ｂｕｄｇｅｔｉｎｇ               ｓｋｉｌｌｓ               ａｎｄ               ｓｋｉｌｌｅｄ               ｍａｎａｇｅｍｅｎｔ               ｒｅｓｉｄｅｎｔｓ               ｉｎ               ｔｈｅ               ｓｔａｔｅ               ｏｆ               Ｔｅｘａｓ               ｓｈｏｕｌｄ               ｂｅ               ｒｅｃｅｉｖｉｎｇ               ｔｈｅ               ｂｅｓｔ               ｃａｒｅ               ａｒｏｕｎｄ               ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｍｅｎｔａｌ               ｉｌｌｎｅｓｓ               ａｌｔｈｏｕｇｈ               ｓｏｍｅ               ｉｓｓｕｅｓ               ａｒｅ               ｎｏｔ               ｆｕｌｌｙ               ｌｏｏｋｅｄ               ａｔ               ｂｕｔ               ｉｎ               ｔｉｍｅ               ａｌｌ               ｉｓｓｕｅｓ               ｗｉｌｌ               ｂｅ               ｆｉｘｅｄ.
               Ｒｅｆｅｒｅｎｃｅｓ
               Ｍｅｎｔａｌ               Ｈｅａｌｔｈ               Ｓｐｅｃｉａｌｉｓｔｓ.

(2002).

ＩＮ               ＴＨＥ               ＷＯＲＬＤ               ＯＦ               ＣＲＩＭＩＮＡＬ               ＪＵＳＴＩＣＥ,               (),               .
               Ｐａｔｅｌ,               Ｖ.

(2004).

Ｍｅｎｔａｌ               Ｈｅａｌｔｈ               Ｍａｔｔｅｒｓ.

ＮＥＷ               ＳＣＩＥＮＴＩＳＴ,               183(2461),               19.
               ＴＥＸＡＳ               ＤＥＰＡＲＴＭＥＮＴ               ＯＦ               ＦＡＭＩＬＹ               ＡＮＤ               ＰＲＯＴＥＣＴＩＶＥ               ＳＥＲＶＩＣＥＳ.

(ｎ.ｄ.).

Ｔｅｘａｓ               Ｄｅｐａｒｔｍｅｎｔ               ｏｆ               Ｆａｍｉｌｙ               ａｎｄ
               Ｐｒｏｔｅｃｔｉｖｅ               Ｓｅｒｖｉｃｅｓ.

Ｒｅｔｒｉｅｖｅｄ               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｄｆｐｓ.ｓｔａｔｅ.ｔｘ.ｕｓ/
               ＴＥＸＡＳ               ＤＥＰＡＲＴＭＥＮＴ               ｏｆ               ＨＥＡＬＴＨ               ａｎｄ               ＨＵＭＡＮ               ＳＥＲＶＩＣＥＳ.

(ｎ.ｄ.).

Ｔｅｘａｓ               Ｈｅａｌｔｈ               ａｎｄ               Ｈｕｍａｎ
               Ｓｅｒｖｉｃｅｓ.

Ｒｅｔｒｉｅｖｅｄ               ｆｒｏｍ               ｈｔｔｐ://ｗｗｗ.ｈｈｓ.ｓｔａｔｅ.ｔｘ.ｕｓ/

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               Ｔｈｅ               Ｈｅａｌｔｈ               Ｉｎｓｕｒａｎｃｅ               Ｍａｒｋｅｔｐｌａｃｅ               ｍａｋｅｓ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ａｖａｉｌａｂｌｅ               ｔｏ               ｍａｎｙ               ｗｈｏ               ｃｏｕｌｄ               ｎｏｔ               ａｆｆｏｒｄ               ｉｔ               ｂｅｆｏｒｅ.

Ｈｏｗｅｖｅｒ,               ｉｆ               ｙｏｕ'ｖｅ               ｎｅｖｅｒ               ｈａｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ,               ｏｒ               ｅｖｅｎ               ｉｆ               ｙｏｕ               ｈａｖｅ,               ｃｈｏｏｓｉｎｇ               ｔｈｅ               ｒｉｇｈｔ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｙｏｕ               ａｎｄ               ｙｏｕｒ               ｆａｍｉｌｙ               ｃａｎ               ｂｅ               ｃｏｎｆｕｓｉｎｇ.

Ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｔｈｅｓｅ               ｃｏｍｍｏｎ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｔｅｒｍｓ               ｗｉｌｌ               ｈｅｌｐ               ｙｏｕ               ｇｅｔ               ｔｈｅ               ｍｏｓｔ               ｆｏｒ               ｙｏｕｒ               ｍｏｎｅｙ               ｗｈｅｎ               ｃｈｏｏｓｉｎｇ               ｙｏｕｒ               ｃｏｖｅｒａｇｅ.
               Ｈｅａｌｔｈ               Ｍａｉｎｔｅｎａｎｃｅ               Ｏｒｇａｎｉｚａｔｉｏｎ               (ＨＭＯ)               --               Ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎ               ｉｎ               ｗｈｉｃｈ               ｙｏｕ               ｐａｙ               ａ               ｓｅｔ               ｍｏｎｔｈｌｙ               ａｍｏｕｎｔ               ｆｏｒ               ａｌｌ               ｓｅｒｖｉｃｅｓ.

Ｉｆ               ｙｏｕ               ａｒｅ               ａ               ｍｅｍｂｅｒ               ｏｆ               ａｎ               ＨＭＯ,               ｙｏｕ               ｃａｎ               ｏｎｌｙ               ｖｉｓｉｔ               ｔｈｅ               ｄｏｃｔｏｒｓ,               ｈｏｓｐｉｔａｌｓ,               ａｎｄ               ｏｔｈｅｒ               ｍｅｄｉｃａｌ               ｆａｃｉｌｉｔｉｅｓ               ａｐｐｒｏｖｅｄ               ｂｙ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｐｒｏｖｉｄｅｒ.

               Ｈｅａｌｔｈ               Ｓａｖｉｎｇｓ               Ａｃｃｏｕｎｔ               (ＨＳＡ)               --               Ａ               ｐｒｅ-ｔａｘ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ               ｕｓｅｄ               ｆｏｒ               ｈｅａｌｔｈｃａｒｅ               ｅｘｐｅｎｓｅｓ               ｏｎｌｙ.

Ｔｈｅ               ｍｏｎｅｙ               ｉｎ               ｙｏｕｒ               ＨＳＡ               ｗｉｌｌ               ｒｏｌｌ-ｏｖｅｒ               ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｕｓｅ               ｉｔ               ｉｎ               ａ               ｇｉｖｅｎ               ｙｅａｒ.

ＨＳＡｓ               ａｒｅ               ｐａｉｒｅｄ               ｗｉｔｈ               ｈｉｇｈ               ｄｅｄｕｃｔｉｂｌｅ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｉｅｓ               ｔｈａｔ               ｕｓｕａｌｌｙ               ｐａｙ               ａｌｌ               ｏｒ               ｍｏｓｔ               ｏｆ               ｙｏｕｒ               ｍｅｄｉｃａｌ               ｅｘｐｅｎｓｅｓ               ｏｎｃｅ               ｔｈｅ               ｄｅｄｕｃｔｉｂｌｅ               ｉｓ               ｐａｉｄ.

               Ｐｒｅｆｅｒｒｅｄ               Ｐｒｏｖｉｄｅｒ               Ｏｒｇａｎｉｚａｔｉｏｎ               (ＰＰＯ)               --               Ａ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎ               ｔｈａｔ               ａｌｌｏｗｓ               ｙｏｕ               ｔｏ               ｃｈｏｏｓｅ               ａｎｙ               ｄｏｃｔｏｒ               ｏｒ               ｍｅｄｉｃａｌ               ｆａｃｉｌｉｔｙ               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅ               ｄｏｃｔｏｒ               ｏｒ               ｆａｃｉｌｉｔｙ               ａｃｃｅｐｔｓ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ.

               Ｎｅｔｗｏｒｋ               Ｐｒｏｖｉｄｅｒ               --               Ｎｅｔｗｏｒｋ               ｐｒｏｖｉｄｅｒｓ               ａｒｅ               ｄｏｃｔｏｒｓ               ａｎｄ               ｍｅｄｉｃａｌ               ｆａｃｉｌｉｔｉｅｓ               ｔｈａｔ               ｈａｖｅ               ｍａｄｅ               ａｎ               ａｇｒｅｅｍｅｎｔ               ｗｉｔｈ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｔｏ               ａｃｃｅｐｔ               ｔｈｅｉｒ               ａｌｌｏｗａｂｌｅ               ｃｈａｒｇｅｓ               ｆｏｒ               ｓｅｒｖｉｃｅｓ,               ｉｎｃｌｕｄｉｎｇ               ｙｏｕｒ               ｃｏｐａｙ               ｏｒ               ｃｏｉｎｓｕｒａｎｃｅ.

Ｔｈｅｓｅ               ｃｈａｒｇｅｓ               ａｒｅ               ｕｓｕａｌｌｙ               ｌｏｗｅｒ               ｔｈａｎ               ｔｈｅ               ｐｒｏｖｉｄｅｒ'ｓ               ｎｏｒｍａｌ               ｒａｔｅ.

Ｉｆ               ｙｏｕ               ｕｓｅ               ａｎ               ｏｕｔ-ｏｆ-ｎｅｔｗｏｒｋ               ｐｒｏｖｉｄｅｒ,               ｙｏｕ               ｗｉｌｌ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅ               ｂｅｔｗｅｅｎ               ｔｈｅ               ｐｒｏｖｉｄｅｒ'ｓ               ｆｕｌｌ               ｒａｔｅｓ               ａｎｄ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ'ｓ               ａｌｌｏｗａｂｌｅ               ｃｈａｒｇｅｓ.

               Ａｌｌｏｗａｂｌｅ               Ｃｈａｒｇｅｓ               --               Ｔｈｅ               ｍａｘｉｍｕｍ               ａｍｏｕｎｔ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｗｉｌｌ               ｐａｙ               ｆｏｒ               ｅａｃｈ               ｍｅｄｉｃａｌ               ｓｅｒｖｉｃｅ.

               Ｐｒｅｍｉｕｍ               --               Ａ               ｐｒｅｍｉｕｍ               ｉｓ               ｔｈｅ               ｗｅｅｋｌｙ               ｏｒ               ｍｏｎｔｈｌｙ               ａｍｏｕｎｔ               ｙｏｕ               ｐａｙ               ｆｏｒ               ｙｏｕｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ.

Ｙｏｕ               ｈａｖｅ               ｔｏ               ｐａｙ               ａ               ｐｒｅｍｉｕｍ               ｗｈｅｔｈｅｒ               ｏｒ               ｎｏｔ               ｙｏｕ               ｕｓｅ               ｙｏｕｒ               ｃｏｖｅｒａｇｅ.

               Ｄｅｄｕｃｔｉｂｌｅ               --               Ｔｈｅ               ａｍｏｕｎｔ               ｙｏｕ               ｍｕｓｔ               ｐａｙ               ｂｅｆｏｒｅ               ｃｅｒｔａｉｎ               ｓｅｒｖｉｃｅｓ               ａｒｅ               ｃｏｖｅｒｅｄ.

Ｄｅｄｕｃｔｉｂｌｅｓ               ｃａｎ               ｒａｎｇｅ               ｆｒｏｍ               ａ               ｆｅｗ               ｈｕｎｄｒｅｄ               ｔｏ               ｓｅｖｅｒａｌ               ｔｈｏｕｓａｎｄ               ｄｏｌｌａｒｓ,               ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｔｈｅ               ｐｏｌｉｃｙ               ｙｏｕ               ｃｈｏｏｓｅ.

Ｓｅｒｖｉｃｅｓ               ｓｕｃｈ               ａｓ               ｓｐｅｃｉａｌｉｓｔ               ｖｉｓｉｔｓ,               ｈｏｓｐｉｔａｌ               ｓｔａｙｓ,               ｓｕｒｇｅｒｙ,               ａｎｄ               ｓｏｍｅ               ｍｅｄｉｃａｌ               ｔｅｓｔｓ               ａｒｅ               ｕｓｕａｌｌｙ               ｓｕｂｊｅｃｔ               ｔｏ               ａ               ｄｅｄｕｃｔｉｂｌｅ.

               Ｃｏ-ｉｎｓｕｒａｎｃｅ               --               Ｔｈｅ               ｐｅｒｃｅｎｔａｇｅ               ｏｆ               ａ               ｍｅｄｉｃａｌ               ｂｉｌｌ               ｙｏｕ               ｐａｙ               ａｆｔｅｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒａｇｅ.

Ｆｏｒ               ｅｘａｍｐｌｅ,               ｙｏｕ               ｈａｖｅ               ａｎ               ｘ-ｒａｙ               ｔｈａｔ               ｃｏｓｔｓ               $200               ａｎｄ               ｙｏｕｒ               ｃｏ-ｉｎｓｕｒａｎｃｅ               ｉｓ               20%.

Ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｗｉｌｌ               ｐａｙ               $160               ａｎｄ               ｙｏｕ               ｗｉｌｌ               ｐａｙ               $40.

               Ｃｏｐａｙ--               Ａ               ｓｅｔ               ａｍｏｕｎｔ               ｙｏｕ               ｐａｙ               ｆｏｒ               ｍｅｄｉｃａｌ               ｓｅｒｖｉｃｅｓ.

Ｃｏｐａｙｓ               ｃａｎ               ｒａｎｇｅ               ｆｒｏｍ               $5               ｔｏ               $75               ｏｒ               ｍｏｒｅ.

Ｉｆ               ａ               ｓｅｒｖｉｃｅ               ｉｓ               ｃｏｖｅｒｅｄ               ｂｙ               ａ               ｃｏｐａｙ,               ｙｏｕ               ｗｉｌｌ               ｎｏｔ               ｈａｖｅ               ｔｏ               ｍｅｅｔ               ａ               ｄｅｄｕｃｔｉｂｌｅ               ｆｏｒ               ｔｈａｔ               ｓｅｒｖｉｃｅ;               ｈｏｗｅｖｅｒ,               ｃｏｐａｙｓ               ｄｏ               ｎｏｔ               ｃｏｕｎｔ               ｔｏｗａｒｄ               ｙｏｕｒ               ｄｅｄｕｃｔｉｂｌｅ.

Ｓｏｍｅ               ｃｏｍｍｏｎ               ｍｅｄｉｃａｌ               ｃｏｓｔｓ               ｃｏｖｅｒｅｄ               ｂｙ               ｃｏｐａｙｓ               ａｒｅ               ｇｅｎｅｒａｌ               ｐｒａｃｔｉｃｅ               ｄｏｃｔｏｒ               ｖｉｓｉｔｓ               ａｎｄ               ｇｅｎｅｒｉｃ               ｐｒｅｓｃｒｉｐｔｉｏｎｓ.

               Ｃｏｖｅｒｅｄ               ｓｅｒｖｉｃｅｓ               --               Ｔｈｅ               ｍｅｄｉｃａｌ               ｓｅｒｖｉｃｅｓ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｗｉｌｌ               ｐａｙ               ｆｏｒ.

Ｃｏｖｅｒｅｄ               ｓｅｒｖｉｃｅｓ               ｖａｒｙ               ｗｉｄｅｌｙ               ｆｒｏｍ               ｏｎｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｔｏ               ｔｈｅ               ｎｅｘｔ,               ｓｏ               ｂｅ               ｓｕｒｅ               ｙｏｕ               ｒｅａｄ               ｔｈｅｓｅ               ｃａｒｅｆｕｌｌｙ.

               Ｏｕｔ-ｏｆ-Ｐｏｃｋｅｔ               Ｍａｘｉｍｕｍ               --               Ｔｈｅ               ｍａｘｉｍｕｍ               ａｍｏｕｎｔ               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｐａｙ               ａｎｎｕａｌｌｙ               ｂｅｆｏｒｅ               ｙｏｕｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｙ               ｐｒｏｖｉｄｅｓ               100%               ｃｏｖｅｒａｇｅ               ｏｆ               ｙｏｕｒ               ｍｅｄｉｃａｌ               ｅｘｐｅｎｓｅｓ.

Ｐｒｅｍｉｕｍｓ               ａｒｅ               ｎｏｔ               ｃｏｕｎｔｅｄ               ｔｏｗａｒｄ               ｙｏｕｒ               ｏｕｔ-ｏｆ-ｐｏｃｋｅｔ               ｍａｘｉｍｕｍ.

               Ｐｒｅｖｅｎｔｉｖｅ               ｓｅｒｖｉｃｅｓ               --               Ｍｅｄｉｃａｌ               ｔｅｓｔｓ               ｄｏｎｅ               ｏｎ               ａ               ｒｅｇｕｌａｒ               ｂａｓｉｓ               ｆｏｒ               ｅａｒｌｙ               ｄｅｔｅｃｔｉｏｎ               ｏｆ               ｄｉｓｅａｓｅｓ               ｓｕｃｈ               ａｓ               ｃａｎｃｅｒ               ａｎｄ               ｄｉａｂｅｔｅｓ.

Ｕｎｄｅｒ               ｔｈｅ               Ａｆｆｏｒｄａｂｌｅ               Ｈｅａｌｔｈｃａｒｅ               Ａｃｔ,               ｐｒｅｖｅｎｔｉｖｅ               ｓｅｒｖｉｃｅｓ               ａｒｅ               ｃｏｖｅｒｅｄ               ｕｎｄｅｒ               ａｌｌ               ｉｎｓｕｒａｎｃｅ               ｐｌａｎｓ.

Ｅｘａｍｐｌｅｓ               ｏｆ               ｐｒｅｖｅｎｔｉｖｅ               ｓｅｒｖｉｃｅｓ               ａｒｅ               ｍａｍｍｏｇｒａｍｓ,               ｐｒｏｓｔａｔｅ               ｅｘａｍｓ,               ｐａｐ               ｓｍｅａｒｓ,               ｃｏｌｏｎｏｓｃｏｐｉｅｓ,               ａｎｄ               ａｎｎｕａｌ               ｂｌｏｏｄ               ｔｅｓｔｓ               ｆｏｒ               ｃｈｏｌｅｓｔｅｒｏｌ               ａｎｄ               ｇｌｕｃｏｓｅ               ｓｃｒｅｅｎｉｎｇ.

Ｉｎ               ｇｅｎｅｒａｌ,               ｌｏｗｅｒ               ｐｒｅｍｉｕｍｓ               ｕｓｕａｌｌｙ               ｍｅａｎ               ｈｉｇｈｅｒ               ｄｅｄｕｃｔｉｂｌｅｓ,               ｃｏ-ｉｎｓｕｒａｎｃｅｓ,               ａｎｄ               ｃｏｐａｙｓ.

Ｔｈｅｒｅｆｏｒｅ,               ｙｏｕ               ｓｈｏｕｌｄ               ｃａｒｅｆｕｌｌｙ               ｃｏｎｓｉｄｅｒ               ｙｏｕｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｎｅｅｄｓ               ｂｅｆｏｒｅ               ｍａｋｉｎｇ               ａ               ｆｉｎａｌ               ｄｅｃｉｓｉｏｎ               ｏｎ               ｙｏｕｒ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ｐｏｌｉｃｙ.

Ｉｆ               ｙｏｕ               ｈａｖｅ               ａ               ｃｏｎｄｉｔｉｏｎ               ｔｈａｔ               ｒｅｑｕｉｒｅｓ               ｆｒｅｑｕｅｎｔ               ｔｒｅａｔｍｅｎｔ               ｏｒ               ｙｏｕ               ｎｅｅｄ               ｐｒｅｓｃｒｉｐｔｉｏｎ               ｄｒｕｇｓ               ｏｎ               ａ               ｒｅｇｕｌａｒ               ｂａｓｉｓ,               ｙｏｕ               ｍａｙ               ｆｉｎｄ               ｙｏｕ               ａｒｅ               ｐａｙｉｎｇ               ｌｅｓｓ               ｆｏｒ               ｙｏｕｒ               ｈｅａｌｔｈ               ｃａｒｅ               ｂｙ               ｃｈｏｏｓｉｎｇ               ｔｏ               ｐａｙ               ａ               ｈｉｇｈｅｒ               ｐｒｅｍｉｕｍ               ｕｐｆｒｏｎｔ.

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