Posted on December 26th, 2011 at 2:11 AM by admin

Health insurance is a type of insurance policy in which the insurer provides for the cost of any or all of the health care services. Today, there are many types of health insurance such as fee-for-service, managed care, and more. Health insurance is offered to individuals as well as groups. Group health insurance is designed to meet the health care needs of employees of large as well as small companies. Group health insurance policy provides medical expense coverage for many people in a single policy. Under group health insurance, the cost of premium is spread out among the members of the group.

Group health insurance offers health care coverage for student organizations, religious organizations, employers, professional associations, and other groups. Most Americans get group health insurance from their employer. In most cases, employer pays all or part of the health care insurance premium.

Group health insurance benefits both employee as well as employer. Employees covered by group health insurance plan, get medical treatment quickly with little or no cost. Compared to individual health insurance, group health insurance is less expensive. Another advantage is that no medical exam is required to qualify for group health insurance.

A wide range of group health insurance plans are available to choose from. Fully insured employer group, small employer group, large employer group, health maintenance organization (HMO), self-funded ERISA, group managed care, and preferred provider organization are some types of group health insurance.

Getting group health insurance quote through websites is quite easy. In order to qualify for a group health insurance policy, employer must have at least 2 full time employees on the payroll. While purchasing a group health insurance, it is advisable to seek the assistance of group health insurance broker. Golden Rule Insurance Company, UniCare, Aetna Inc., Horizon Blue Cross Blue Shield of New Jersey, Health Net of California, and Time Insurance Company are some of the leading health insurance companies that offer group health insurance.

Health Insurance provides detailed information on Health Insurance, Health Insurance Quotes, Affordable Health Insurance, Health Insurance Plans and more. Health Insurance is affiliated with Health Insurance Company Ratings.

Article Source:
http://EzineArticles.com/?expert=Kristy_Annely

Comments Off
Posted on December 6th, 2011 at 6:22 AM by admin

A wealth of information exists that explains the relationships between school subjects and careers. Across the nation, children, teens, teachers, and counselors use Career Interests Areas or Clusters to explore careers and to make school study plans. There are sixteen (16) Interests Areas or Clusters:

  1. Agriculture, Food, & Natural Resources
  2. Architecture & Construction
  3. Arts, A/V Technology & Communication
  4. Business, Management & Administration
  5. Education & Training
  6. Finance
  7. Government & Public Administration
  8. Health Science
  9. Hospitality & Tourism
  10. Human Services
  11. Information Technology
  12. Law, Public Safety & Security
  13. Manufacturing
  14. Marketing, Sales & Service
  15. Science, Technology, Engineering & Mathematics
  16. Transportation, Distribution & Logistics

States and federal agencies across the nation have created career cluster web sites and resources. We have reviewed three (3) of the best state or federal agency web sites.

Louisiana Integrated Skills Assessment (LISA)

One of the most unique comprehensive career cluster resources is the Louisiana Integrated Skills Assessment (LISA), an Internet program. LISA lets you explore career clusters, careers, abilities, training requirements, and more. Using the Lisa, you can do the following tasks:

  • Assessment: Explore career options using the Work Importance Locator.
  • I Enjoy: Find careers based upon the things that you enjoy.
  • Cluster: Find careers from Career Cluster Groups.
  • Search: Search for jobs based on knowledge, skills, and abilities.
  • Best Match: Use your current job to find knowledge, skills, and abilities to identify a new career.
  • Compare: Compare current job to potential new job.
  • Profile: Use this feature to create a profile from a selected career.

There are 3 steps in the LISA program. In Step 1, when you choose a career cluster, you will read the description of the cluster. When you select a career cluster in Step 2, you can select a career group. In each career group, you will see a lot of different careers. Finally, in Step 3, you see additional occupational information, such as:

  • Job descriptions
  • Educational and training requirements
  • Crosswalks, for example ONET, DOT, GOE, and other codes
  • Abilities
  • Knowledge
  • Skills
  • Tasks
  • Work Values
  • Labor Market Information

There is detailed information in each job profile:

  • Description
  • Crosswalk
  • Abilities
  • Knowledge
  • Skills
  • Tasks
  • Work Values
  • Occupational Characteristics Narrative

The Louisiana Integrated Skills Assessment (LISA) is an excellent tool for students to do career cluster exploration.

NCE Career Clusters and State Career Clusters Initiative Resources

The NCE Career Clusters has adapted information from the State Career Clusters Initiative to create a career education toolkit for teachers and counselors. In your NCE Career Clusters toolkit, you can find a Career Cluster Model, poster, resource booklets, At-a-Glance PDF Slices, and Plans of Study. Each resource is designed to facilitate the exploration of Career Clusters.

Career Cluster Resource Booklet

To prepare for a Career Clusters discussion, teachers and counselors use the State Career Clusters Initiative Career Cluster Resource Booklet. The brochures discuss the differences between career clusters and career pathways. The booklet outlines that career clusters are career groups from the same industry that have the same skills and educational requirements. Career pathways are specific careers that are within the each career cluster. The Resource Booklet discusses the following topics:

  • Historical background information
  • Cluster Knowledge and Skills
  • Pathway Knowledge and Skills
  • O*NET Crosswalk Report
  • Validation Studies
  • Assessment Protocol
  • Certification Protocol

The booklet is a “must-read” resource that provides in depth information on each career cluster. Each booklet has detailed graphs, charts, and tables.

Career Cluster Model

To provide an overview of Career Clusters, teachers and counselors use the Career Cluster Model. The Career Cluster Model simplifies sixteen (16) Career Clusters model. The center of the NCE Career Clusters model focuses on six (6) major groups. The career clusters are color-coded so that you can easily present six (6) major groups in classroom activities. The six (6) major groups are:

  1. Environmental and Agricultural Systems
  2. Business, Marketing, and Management
  3. Communication and Information Systems
  4. Industrial, Manufacturing, Engineering Systems
  5. Health Sciences
  6. Human Services and Resources

Here is summary of the relationship between the sixteen (16) Career Clusters and the 6 Super Clusters.

  1. Environmental and Agricultural Systems – Agriculture, Food, & Natural Resources (1)
  2. Business, Marketing, and Management combines:

  • Business, Management & Administration (4)
  • Finance (6)
  • Hospitality & Tourism (9)
  • Marketing, Sales & Service (14)

  • Communication and Information Systems involve:
    • Arts, A/V Technology & Communication (3)
    • Information Technology (11)

  • Industrial, Manufacturing, Engineering Systems include:
    • Transportation, Distribution & Logistics (16)
    • Architecture & Construction (2)
    • Manufacturing (13)
    • Science, Technology, Engineering & Mathematics (15)

  • Health Sciences – Health Science (8)
  • Human Services and Resources merges -
    • Education & Training (5)
    • Government & Public Administration (7)
    • Human Services (10)
    • Law, Public Safety & Security (12)

    The sixteen (16) Career Clusters systematically fit within the six (6) major groups.

    Career Cluster Brochure

    Another excellent career cluster student aid is the Career Cluster Brochure. The brochure is filled with photographs that show people performing the different jobs. With this easy-to-read booklet, students get an overview of the different careers, career clusters, and career pathways. Students read about:

    • What is a career cluster?
    • What is a career pathway?
    • What school subjects are important for a career in the … career cluster?
    • What is the educational or training requirement for a career in the … career cluster?
    • What are the necessary credentials for a career in the … career cluster?
    • What is the employment outlook for a career in the … career cluster?
    • What are some sample occupations?

    Career Cluster Slices

    Besides the Career Cluster Model and the Brochure, a third student Career Cluster aid is the NCE Career Cluster Slices. The NCE Career Cluster Slice identifies specific career opportunities found within each Career Pathways. Each Cluster Slice is illustrated and designed to explore areas, such as:

      Cluster Description

    • Pathway Description
    • Cluster Knowledge & Skills
    • Career Field
    • Preparation for a Career in …
    • Examples of Education and Training Postsecondary Programs of Study

    Students discover that each pathways leads to post-secondary options including:

    • Apprenticeships
    • Certificates
    • Licenses
    • Associate’s Degree Programs
    • Bachelor’s Degree Programs
    • Master’s Degree Programs
    • Doctoral Degree Programs
    • Professional Degree Programs

    Career Clusters Plan of Study

    At the beginning of the students’ middle school years, the students use assessments identify career cluster interest areas. With the Career Clusters model, brochure, Slices, and LISA resources, the students have explored the different careers and post-secondary training options. Students, teachers, counselors, and parents then use the Career Clusters Plan of Study to strategically plan the students’ high school course work. The Career Clusters Plan of Study provides examples of English, Math, Science, Social Studies, electives, and extra-curricular activities for the following grade levels:

    • 7th – 8th grade
    • 9th – 10th grade
    • 11th – 12th grade
    • Advanced coursework for postsecondary credit

    The NCE Career Clusters web page is the gateway to the student career cluster resources.

    State Career Clusters Initiative, NCE, and Lisa materials are just examples of career cluster resources. Career clusters resources have established a connection between school subjects and careers.

    Resources:

    Explore Career Clusters, Texas Workforce Commission/Career Development Resources (TWC/CDR), US Department of Labor, Employment and Training Administration, and Louisiana Department of Labor

    Nebraska Career Education, States’ Career Clusters Initiative, 2005, and NCTEF/NASDCTEc (National Association of State Directors of Career Technical Education Consortium) States’ Career Clusters Initiative, & National Association of State Directors of Career and Technical Education Consortium

    State Career Clusters Initiative Washington, DC: National Association of State Directors of Career Technical Education Consortium, 2002

    Dr Mary Askew specializes in career tests, websites, and books for students. Students need eye appealing, easy to use, yet comprehensive career resources. Find out how students can reach their career potentials at http://www.hollandcodes.com Contact Dr. Askew at learning4life@qwest.net

    Article Source:
    http://EzineArticles.com/?expert=Mary_Askew

    Comments Off