Careers in Pharmacy – What Should I Pursue?

Pharmacies generally employ two types of professionals: Pharmacists and Pharmacy Technicians. While both are integral to a pharmacy’s performance, they represent two very different approaches to careers in pharmacy. When deciding what career path is right for you, a lot of factors come into play. In this article, we will outline these two careers in pharmacy so you can make the right choice!

Pharmacist- What is It?

Pharmacists are healthcare professionals who are in charge of dispensing prescription medications to patients. Typically, a pharmacist will fill prescriptions, check interactions of a patient’s prescriptions, instruct patients on proper use of a medication, and oversee pharmacy technician, interns, and various other careers in pharmacy. Many pharmacists own or manage their own pharmacy and are more business minded. Some pharmacists work for pharmaceutical manufacturers, and are involved in the creation of new medications. The median annual wage of pharmacists is very good, punching in at $111,570 in May 2010, according to the US Bureau of Labor Statistics.

How do I become a Pharmacist?

The path to becoming a pharmacist is unique- while most graduate programs require a bachelor’s degree or four years of undergraduate experience, a Doctor of Pharmacy program requires as little as two, as long as the appropriate prerequisites are met, such as courses in chemistry, anatomy, and biology (although some programs do require a bachelor’s degree). An entrance exam, known as the Pharmacy College Admissions Test (PCAT), is also required. Most programs will take about four years to complete, and graduates who want a more advanced pharmacist position will complete a one-two year residency program. Many pharmacists who go on to own their own pharmacies will also acquire a master’s degree in business administration (MBA). Graduates must also pass two exams detailing pharmacy skills and pharmacy law in order to attain a state license. While this process may seem long, it pays off with one of the most rewarding careers in pharmacy.

Pharmacy Technician- What is It?

Pharmacy (or pharmaceutical) technicians help pharmacists dispense prescription medications to patients. They will usually be the ones measuring out prescriptions, compounding medications like ointments, packaging and labeling pharmaceuticals, and performing routine tasks like answering phones and filling forms. The pharmacy technician will work under the supervision of the pharmacist- if the customer has questions about medications or health, the pharmacy technician will arrange for the customer to speak with the pharmacist, as he/she is the more trained of the two careers in pharmacy. Technicians must have great customer service skills, organizational skills, and be detail oriented. The median annual wage of a pharmacy technician was $28,400 in May 2010, according to the US Bureau of Labor Statistics.

How do I become a Pharmacy Technician?

Becoming a pharmacy technician provides the simpler process of the two careers in pharmacy. Each technician must have a high school diploma or equivalent and pass an exam or complete a formal training program, depending on the state. Many pharmacy technicians will learn their skills on-site, but some will attend vocational schools or community colleges to complete programs in pharmacy technology. These programs detail arithmetic, pharmacy law and ethics, and record keeping. This path will allow for the quickest work straight out of high school for graduates pondering one of the careers in pharmacy.

Both pharmacists and pharmacy technicians are absolutely vital to a pharmacy. These two positions are dynamic and rewarding, constantly helping patients get their medications. I hope this article has helped you decide which of the careers in pharmacy is right for you!

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A Few Tips on How to Start a Career As a Pharmacy Technician

Pharmacy Technician is a solid career choice. Health-care jobs are predicted to steadily grow over the next decade. In fact, labor and industry forecasters all seem to agree that most health-care job numbers will keep increasing over the next decade. The aging baby-boom population reaching their golden years is a major indicator of health-care’s upcoming growth. And, pharmacy is tied into health-care at nearly every level, which means that being a pharmacy technician should prove the be a stable career path over both the short and long term. This article talks about some tips and ideas about how to become a pharmacy tech. First, lets talk about what pharmacy technicians do day-to-day?

What Do Pharmacy Techs do?

Pharmacy Technicians have a wide range of duties since they work in a variety of venues. The majority of techs work in retail stores. Other environments include Hospitals, Long-Term Care facilities, Mail-Order pharmacies and Military bases. Insurance companies also hire experienced pharmacy techs to audit paperwork and adjust claims. Most pharmacy technicians work directly with customers / patients under the direction of a pharmacist. They may perform many of the same duties as a Pharmacist and must have a good working knowledge of the pharmacy operations. Besides counting out tablets and ringing up orders, pharmacy technicians also decode prescriptions, enter data into computers, create labels, make and receive phone calls, rotate stock as well as countless other duties.

Pharmacy Technicians do much of the work in a pharmacy, but they can’t do everything. They may not answer questions about medications or give any advice whatsoever. They can tell a customer where to find “over-the-counter” products and even read the words from the packaging. However, they can never personally advise anyone to use any type of drug product. Overall, a pharmacy technician’s main goal is to assist the pharmacist in helping patients and customers. They are expected to be attentive and accurate, but also friendly and knowledgeable.

Do I have to get certified to become a pharmacy tech?

Most employers and states require National Certification. Someday, the regulations may be the same everywhere, but for now it’s different in every state. The first step is to find out what is required in your state and/or any prospective employers. At the minimum, Pharmacy Technicians are required to register and keep an updated license with the Board of Pharmacy in their respective state. Most U.S. states require national certification from either the PTCB or ICPT (ExCPT). However, even if the state doesn’t require national certification, most companies who employ pharmacy technicians do. In addition, even if neither the state or your employer require certification, it’s recommended that anyone planning on a career as a pharmacy tech should become nationally certified in order to be more qualified when applying for a tech position or promotion.

What is the pharmacy tech test like?

Taking the PTCB Exam:

Most states recognize the PTCB since it’s been around longer and has a solid reputation. The pharmacy technician test given by the PTCB is a 90 question multiple choice test. There are four answers to choose from, with one being the correct answer. You get 120 minutes to complete the exam. The exam is in random format, which means that the subject matter switches around nearly every question. The exam is constructed as:

66% – Assisting the pharmacist / serving22% – Maintaining Medication and Inventory Control Systems12% – Administration and management of pharmacy business practices

To pass the PTCB Exam:

You’ll need to score at least 650 out of 900. Whatever you do, don’t read online message boards (Yahoo groups, etc.) where people who have passed try to tell you what’s on the exam. There are several test batteries that change frequently. In fact, they’ve currently updated all of the exams in mid 2010. The best way to ensure you pass the PTCB exam is to study until you confidently know all of the subjects on the exam.

What do Pharmacy Technicians earn?

The Salary paid to pharmacy technicians really varies by geographical location. So, in an attempt to collect the best available data, an ongoing wage survey has been running on my website for several months and the results are listed individually by city and state. To see those results, go to the wage survey page.

Pharmacy Tech School vs. Online vs. Self Study

The best route to get trained and certified really depends on each person and their own situation. Each type of program offers different types of structure and flexibility. The biggest factors to consider are job placement assistance, program accreditation and your budget.

Community College – pharmacy technology programs

Many Community Colleges offer a 1-2 year pharmacy technician program designed to prepare students to jump right into a pharmacy technician position. These programs usually qualify for financial aid and other assistance / re-training programs. One of the big questions you’ll want to ask when considering this type of program is about placement assistance after program completion.

Trade School / Pharmacy Tech Colleges

The trade schools are all a little different from each other, so you’ll want to research all of them to find one that’s best for you. If they are accredited, you may also qualify for financial aid grants and loans. If you are serious about attending one of the pharmacy technician schools, make an appointment and take a tour of the school. Ask specific questions about the program and the career placement. When you go for a tour at a pharmacy tech school, be prepared for the big sales pitch and some pressure. Remember, these schools are businesses and the folks who give the tours are salespeople and often work for commissions.

Online pharmacy Technician Programs / Online Colleges

An increasing number of schools are offering online programs which can be completed at home. An online pharmacy technician program can be a great choice for a highly disciplined person. If you’re prone to getting side-tracked by other projects (or TV shows) while you are at home, Online study programs may not work for you. On the other hand, if you can focus and stay on a schedule online programs are flexible enough to work around any schedule. When considering an online pharmacy technician program, shop around and look at the benefits of each. Some of the online programs may have affiliations with community colleges or chain drug stores, which may provide assistance in finding an internship or externship.

Self Study / Pharmacy Tech Review Books

Similar to online programs, self study can be challenging for the focus deficient types. However, one really good strategy for succeeding with a self-study pharmacy tech program is to form a small group and meet on a schedule. Even just having one partner to study with on a consistent basis helps immensely. Self study is also a very good option for experienced technicians who are in need of getting certified because of a new law or employers policy.

What subjects do pharmacy technician students study?

The breakdown of the test doesn’t really give a clear picture of what subjects pharmacy tech students need to study. In pharmacy technician programs, some of the subjects are: Pharmacy Math, The Top 200 Drugs, DEA Controlled Substance Schedules, Pharmacy Laws and ethics, Prescription decoding and abbreviations, parenteral Nutrition, Pharmacology and several more.

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How to Become a Pharmacist (Pharm D Background Info, Application Process, Pharmacy Careers)

With an ever increasing demand for health care, more and more students are considering a career as a pharmacist. Before you make that decision, you should become aware of the requirements and career opportunities available for pharmacists. As a pharmacy school student, I have not only experienced the application process but also researched many aspects of the pharmacy profession.

According to a May 2008 BLS report, there are 266,410 pharmacists in the United States who earn an average of $50.13/hour ($104,620 annually). Salaries vary based on geographical location, employer, and other factors. Many newly registered pharmacists report huge signing bonuses in more rural or in demand areas.

As time passes, pharmacists continue to be given more and more responsibilities within the health care system. Contrary to popular belief, a pharmacist’s job does not constitute counting pills from 9 to 5. Only 62% of pharmacists hold traditional community (retail) pharmacy positions (BLS). Other exciting pharmacy careers include positions in a clinical setting (administering drugs as a part of a medical team), a research lab, a government agency (e.g. poison control), a university, a corporation, a nuclear pharmacy (compounding and dispensing of radioactive materials for use in nuclear medicine procedures), and many others. Unlike other medical professional careers, pharmacy has a diverse range of careers available. In addition, most pharmacists do not need any residency experience for most careers (you will need 1-2 years of residency experience to become a clinical pharmacist).

The Increasing Demand for Pharmacists
Pharmacy careers expect a whopping 22% growth in jobs available from 2006 to 2016 (May 2008 report). With the population aging and filled prescriptions increasing, the demand for pharmacists is projected to grow in all pharmacy settings. Although job placement varies based on geographical location, pharmacists will have little trouble finding a job.

Pharm.D. degree
The Doctor of Pharmacy Degree (Pharm.D.) requires a minimum of 2 years of undergraduate coursework (most students receive a bachelor’s a degree prior to starting pharmacy school) followed by 3 to 4 years of Pharmacy school. Out of high school, students can apply for Pharmacy schools that have a joint undergraduate and Pharm.D. program which lasts from 5 to 7 years. These programs are also known as “0-6 programs” or “early assurance programs.” It is important to note that a Doctor of Pharmacy Degree is different than obtaining a Ph.D. or M.S. in Pharmacy. The Bachelor’s degree in Pharmacy has been phased out for the most part, although you may occasionally hear about a registered pharmacist (R.Ph.), who only received a B.S. in pharmacy before the implementation of the Pharm.D. as the norm for pharmacists. I don’t know much about online Pharm.D. program, but I am very skeptical about these programs as pharmacy school is very rigorous with many hands on labs, which would be impossible to do online. Pharmacists are technically doctors (Dr.), but many opt to just place the ‘Pharm.D.’ title after their names.

Undergraduate Majors
There is no requirement or restriction on undergraduate majors for pharmacy school. Many students choose to pursue Biological Sciences and Chemistry majors as many of the pharmacy prerequisites are requirements for those majors. Other students pursue a wide variety of majors (business, art, psychology, economics, engineering, etc.) before beginning their pharmacy careers. In the end, successful completion of prerequisites is what really matters; however, choosing a biology or chemistry (or similar major) may give you a stronger science background to prepare you for the material presented to you in pharmacy school.

PharmCAS
PharmCAS (Pharmacy College Application Service) is the “centralized application service for applicants.” Although a majority of the pharmacy schools use this service, there are a few pharmacy schools that choose not to use PharmCAS. Students use PharmCAS to submit Letter of Recommendations (done either online or by paper), transcripts, a personal statement, and additional application information. This service is not free, and you will need to pay $140 for first pharmacy school and $40 for each pharmacy school after that. It is important to note that some pharmacy schools require you to send in some of the application material DIRECTLY to them in addition to sending it to PharmCAS.

Supplemental Application
Many schools also require a supplemental application and an additional fee in addition to the PharmCAS application. The supplemental application usually contains essays which gives a clearer picture of the candidate and his or her fit with a pharmacy school. PharmCAS has a pharmacy school information page, which lists all of the pharmacy schools and their specific application requirements.

Interview
Every pharmacy school requires the infamous interview process to judge your fit for their program. Although the weight placed on the interview varies from school to school, one’s performance at an interview is a significant factor to receive admission to pharmacy schools.

Prerequisites
Prerequisites vary greatly from school to school. You can also find browse the school list supplied by PharmCAS to get more information on the perquisites. You may apply for pharmacy programs before completing all of your prerequisites, but you must complete them before matriculation. For exact course equivalencies (exact course numbers from your institution), check to see if the school you are applying for has a webpage that allows you to check to see the exact course numbers from different schools. I know that USC and UOP have this available for students. UCSF and UCSD has their course equivalencies listed on Assist.org.

Prerequisites can be taken at your primary institution or at a community college. If you already have a bachelor’s degree, it is more economical to attend a community college to knock out all your prerequisites. If you are currently enrolled as an undergraduate at a university, it is generally okay to take a few prerequisites at a junior college; however, you do not want to make it seem as if you are dodging all the difficult course requirements.

PCAT
The PCAT is the “Pharmacy College Admissions Test.” Not all pharmacy schools require the PCAT (14 pharmacy schools that use PharmCAS do not require it, my other article lists these schools). The material covered on the PCAT as described from the AACP website: The PCAT is divided into separate sections, or subtests, each of which is timed separately. During the time allowed for each subtest, you will be permitted to work only on that section. You will not be allowed to go back to earlier subtests or on to later ones. As you work on each section, you may find it useful to first answer the questions that are easy for you, skipping over those questions to which you will need to return for further thought. There are six content areas measured by the PCAT in seven (7) separate subtests:

o The Verbal Ability section
o The Biology section
o The Reading Comprehension section
o The Quantitative Ability section
o The Chemistry section
o The written essays (2)

GPA
Your GPA (overall and science) is the most important aspect of your application profile. Each school has different standards when it comes to GPA, and by browsing the PharmCAS pharmacy schools page you can get an idea of what different pharmacy schools expect. Remember that an average GPA means that students with GPAs under and above that value are accepted. Schools may vary on how they consider scoring classes that you retake, so you should get in contact with pharmacy school admission offices to get more information.

Letter of Recommendations
One to four letters of recommendations are required in the application process for pharmacy schools. Schools differ on who they accept letters of recommendations from, so it is important to know what is acceptable by looking at the school profile pages on PharmCAS. Generally speaking, receiving letters of reference from pharmacists and science professors who know your ability and potential on a personal level will be the most beneficial.

Financing Pharmacy School
Like other professional degrees, financing your way to a Pharm.D. is significantly more costly than undergraduate programs. Government grants that you may have received for your undergraduate program are usually no longer available, so paying for your tuition will primarily depend on student loans. Make sure you apply for FAFSA before their deadline, so that you are considered for some of the government loans. It is also a good idea to apply for national, school, corporate, online, and local scholarships. Any money that you can get for free to pay down your tuition will mean less money you will be paying on interest for the life of the loan. Even a $1000 scholarship will decrease your loan amount by $1000 along with all the interest you would have paid during the life of the loan. I will provide a list of scholarships that are available in the near future.

Pharmacy Experience
Although pharmacy experience is not a requirement for admission into pharmacy school, working in a pharmacy is a great way to beef up your resume and also get a feel for what it is like working in a pharmacy. You may also consider obtaining your Pharmacy Technician license so that you may be given more responsibilities within the pharmacy. See if accepted students at different pharmacy schools have had pharmacy work experience or a pharmacy tech license by searching applicant profiles.

Dual Degrees
In addition to the Pharm.D., some students may pursue an additional degree (MBA, JD, PhD, MPH, etc.) in order to fill more specific niches in the pharmacy world. You can check which pharmacy schools offer dual degree programs on PharmApplicants.com (Useful Links -> Dual Degree Chart). If you are interested in any of these programs, you should definitely start by researching them on pharmacy school websites or contacting the office of admissions of pharmacy schools to get more information. Additional requirements (such as the GMAT and additional letters of reference) are expected for most of these programs. At some universities, these dual degree programs may eliminate your summer vacation or have you fall back a year from your pharmacy class as you complete your additional degree before going back to your pharmacy studies.

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What a Pharmacy Technician Does

What Does a Pharmacy Technician Do?

I have been writing articles on why and how to become a pharmacy technician, but some recent feedback has made me realize I left out the obvious. What is it that pharmacy technicians do in a pharmacy? Most people figure they help the pharmacist enter prescriptions and count pills. This is true for an outpatient pharmacy, also called a retail pharmacy, but there are many roles for pharmacy technicians in healthcare. The rest of this article will list different types of pharmacy settings and the roles that pharmacy technicians have in these settings.

Community/Retail Pharmacy:

I have worked retail, and I prefer other settings; however, it is where a large percentage of pharmacy technician jobs are found. What a pharmacy technician can do is determined by the state they work via state laws and rules. In general, technicians cannot provide clinical information to patients or be the final check for prescriptions. In some states, technicians are allowed to provide information on over-the-counter (OTC) medication (ie, medications that do not require a prescription, such as, acetaminophen and ibuprofen). Pharmacy technician tasks include, but are not limited to:

• Collecting patient information (insurance and personal information as needed)
• Entering and processing prescriptions in the computer system
• Filling and selling prescriptions
• Requesting refills from doctor offices for patients
• Compounding medications that are not commercially available
• Ordering medications
• Restocking shelves
• Answering the phone
• Working with insurance companies on approving payment for certain medications
• Maintaining the cash register and conducting accounting functions

Hospital Pharmacy:

There are many different roles for pharmacy technicians in a hospital pharmacy. I know this type of pharmacy best since this is where most of my work has been. The most common are technicians who work in the central pharmacy. In addition we have decentralized techs, sterile compounding techs, billing techs, OR techs, narcotic techs, database techs, automation techs, team lead techs, and buyer techs. These technicians as a whole perform the following tasks, but not limited to:

• Filling new orders, this includes a variety of medications from oral medications to specially prepared sterile compound medications (including chemotherapy meds)
• Answering the phone
• Tubing medications (if the pharmacy has a pneumatic tube station)
• Preparing medications for delivery
• Delivering medications
• Assisting floor pharmacists with medication histories
• Assisting floor pharmacists with IV drip checks
• Handling missing dose calls
• Billing medications where nurse charting does not bill
• Maintaining the pharmacy database
• Restocking operating rooms and anesthesia trays with appropriate medication
• Dispensing and tracking all controlled substances throughout the hospital
• Maintaining automation equipment [automated dispensing cabinets that store medication on nursing units, automatic fill systems (typically called Robot-Rx)]
• Purchasing of all medication and supplies needed in the pharmacy
• Leading and managing the technician workforce, including upkeep of schedules

Long-Term Care Pharmacy:

I have worked at a couple of long-term care pharmacies, and I think it is a great place to be a technician. They typically employee a lot of techs because the work load lends itself to a lot of technician tasks. These pharmacies provide the medication needs for nursing homes, assisted living facilities, and psychiatric facilities. The typical pharmacy is located in a warehouse. It does not have an open pharmacy for people to come to; they receive orders by fax and deliver all medications via couriers or drivers to facilities. The oral medication is filled in blister packs (cards of 30 tabs that are used to provide a 1 month supply of medication), or some other mechanism that provide the facility with an extended amount of medication doses that can be safely and cleanly kept until doses are due. Pharmacy technician tasks include, but are not limited to:

• Filling new and refill orders (different from hospital because of the number of doses provided)
• Processing new order and refills coming through the fax machine
• Order entry of prescriptions and printing of labels for fill techs
• Sterile compounding of medications (although there aren’t as many sterile compounded medications as a hospital, there are still enough that most long-term care pharmacies have a few techs specialize in sterile compounding
• Billing medications to homes
• Controlled substance dispensing and documentation
• Ordering medications and supplies
• Restocking medications that are returned that are still suitable for reuse.

Home Infusion Pharmacy:

These pharmacies primarily care for patients that require some form of IV or other non oral medication, and want to receive the therapy at home (hence the name home-infusion). I have also worked in a home-infusion pharmacy. As a tech I had a lot of experience in sterile compounding, and found my self in any position that needed a IV room tech. Pharmacy technician tasks include, but are not limited to:

• Compounding sterile preparations in the clean room
• Preparing supplies associated with sterile medication administration for delivery
• Billing medications delivered to patients home
• Coordinating deliveries of medications with patients
• Entering orders in the pharmacy order entry system

Nuclear Pharmacy:

No, I have not worked in a nuclear pharmacy (I am sure you were staring to think I got around quite a bit, but I have been in pharmacy for about 17 years). I have some friends who work in a nuclear pharmacy. The hours are interesting; they usually come in at about 3 AM and work until about noon. These types of pharmacies make radioactive compounds and they need to be made in a way that when they are delivered to the hospital or clinic administering them, that the dose has degraded to a specific amount. Without going into too much detail, these medications have short half-lives. So they have to time the compounding of the product with the time it takes to deliver the medication and the time the patient is to receive the dose. The job pays well, but as you can imagine, there are not a ton of these positions available. Pharmacy technician tasks include, but are not limited to:

• Preparing radioactive products
• Cleaning and preparing sterile compounding areas
• Entering orders into the pharmacy system
• Coordinating dose due times with deliveries and preparation
• Billing products to hospital or clinic

Health Plans/HMO Pharmacy Group:

I saved this one for last because it is a lot different. Most healthcare plans have a pharmacy department. They manage the pharmacy benefit of the health plan. I have worked with my companies health plan and have spent some time with the pharmacy department. Pharmacy technician tasks include, but are not limited to:

• Answering phone calls and providing support for patients on the pharmacy benefit
• Reviewing prior authorization requests
• Providing support to physicians and drug companies for information requests
• Supporting the pharmacists in the department with database and projects as needed

As you can see, pharmacy technician roles can be very diverse. The best advice I can give you is to figure out what setting you would most like to work in and obtain some experiential hours in that setting. I have found that the type of pharmacy you train in is typically the type of pharmacy you end up working in.

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PAT Testing Procedure

Portable Appliance Testing (or PAT Testing) is a legally required method of testing portable appliances. There are many stages that go towards the testing process. It will end with either a pass or fail result.

Portable Appliance Testing needs to look at certain safety elements. Amongst the things that can cause the failure is damage to cables, plugs and wires, overheating and signs of water damage. There should be no bare wires and no sign of internal damage.

The testing needs to be done according to the IEE (Institute of Electrical Engineers) guidelines. Before testing takes place anyone who is not part of the testing team should leave the premises.

The most basic part of the testing process is the visual inspection. Over 90% of problems are said to be found during this part of the process. It consists of the tester looking at the appliance and seeing if there are any obvious issues.

Here the tester will be able to see any poor wiring, cracked casing, bent pins and other damage. These are the most basic areas where appliances fail the PAT test.

The location that a particular appliance is used needs to be inspected. There must be sufficient ventilation (depending one the needs of the equipment), the area cannot be unreasonably damp, and controls to the equipment must be easily accessible.

An Earth Bond Test needs to be carried out during the testing process. Electrical Test Equipment is necessary for this part of the procedure. This is a test between the earth bond and continuity between the plug pin and external components. The voltage and test current is assessed during this process.

Other parts of the test are the insulation test and operational test.

The insulation test is necessary to ensure the insulation resistance is safe. The operational test simply consists of the tester switching the equipment on and testing out certain regular functions that it should perform, and making sure its performance is as expected.

Once testing has been completed the result of the PAT test should be clearly stated. The most common method of this is simply placing a label on the equipment. The label will say whether the appliance has passed or failed, and should also include more specific details of its condition. It will give the date of the test and the date at which another test will be necessary.

Equipment that is faulty or damaged should be removed from service immediately. It can then be determined whether or not the seriousness of the damage is sufficient for the equipment to be out of use.

PAT testing records are required to be kept for the duration of the life of the appliance. This is a legal necessity as it shows that tests have been carried out and the results of them.

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Affordable Child Health Insurance in San Antonio Texas

Finding affordable health insurance is no easy task unless you are employed by a business that offers a health benefits package. Unfortunately, not everyone works, or works for an employer who offers a group health insurance plan to his or her employees. If you or your spouse doesn’t have affordable health insurance in San Antonio, Texas, how is your child supposed to obtain affordable child health insurance? Imagine trying to find affordable child health insurance for your child if you’re having difficulty finding affordable health insurance for yourself.

If you live in San Antonio, Texas, or anywhere in Texas for that matter, and have a child or children who are without adequate health insurance, you may want to look into Medicaid for Texas Children.

Medicaid for Texas Children is both a state and federal assistance program that provides children with excellent comprehensive health insurance at affordable prices or at no cost at all. To be eligible for Medicaid for Texas Children, a child must be a resident of the United States and of Texas, under the age of 19. The family of the child applying for Medicaid for Texas Children must meet the Medicaid of Texas Children income requirements.

If a child belongs to a family that receives Temporary Assistance for Needy Families, also referred to as TANF, the child will instantly qualify for Medicaid for Texas Children. Otherwise, the child’s eligibility is determined by the Texas Health and Human Services Commission, also referred to as HHSC. If a child is found to be eligible for Medicaid for Texas Children, his or her family’s financial status may be evaluated every half year or so to make sure the child is still eligible.

For more information about the Medicaid for Texas Children program, visit the Texas Department of Insurance Web site, or give them a call. You can also visit the Web site of the Texas Health and Human Services System.

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Car rental companies do provide dinner for toddlers, but will you look for it?

Of course, those of us with a good credit score can rent an RV and cook whenever we need food for the toddlers. That way, we can always take the emerging food preferences into account without undue waste and expense. It’s the same if we decide to go the route of camping. We can either pick the sites with cooking facilities or carry our own gas rings. Remember starting real fires in the middle of our current hot summer is not likely to endear us to Park Rangers and others trying to prevent wildfires from starting. So this gives you a shopping list of possible makes and models to shop for at the car rental agencies if you propose carrying outdoor cooking equipment.

Otherwise you load the people into the vehicle and set off into the wild blue yonder, full of the joys of the road and hope in your hearts. Those of you with toddlers will know they are just learning about the world and beginning to take some control over how they relate to it. One of the first symptoms of toddler control comes in emerging taste preferences. This is not to say any child should have a say over what gets put on the plate, but practical reality may call for some negotiation over how much is eaten. Most children go through phases of being picky. Many never seem to emerge from this phase. If you’re lucky, the child will only eat something available at every diner or restaurant. This may be macaroni cheese which has the benefit of being relatively cheap and nutritious, or it may be junk food which will encourage faster growth around the waist. Either way, you need food storage in the vehicle you rented so that, if there’s a mutiny and all outside food is refused, you can fall back on snacks when the real hunger kicks in.

Hopefully, the car rental companies offered guidance on the diners and restaurants offering child-friendly portions at reasonable price. If not, spend time on the internet searching out the likely places to eat. Never assume all diners will cater for your toddlers.

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The Travel Career in nursing and it is Advantages

There are quite a bit of profession prospects accessible to nurses today. Nurses can be found in various medical areas a variety of medical establishments for instance hospitals, schools, government, medical clinics, nursing homes, administration, plus more. One sort of nursing job that may be now being chosen by more nurses because several positive aspects will be the travel career in nursing.

A travel nurse is usually a nurse who goes toward areas everywhere over the nation and works for a medical facility for any set specific time. These nurses are replacement workers for nurses who’re away for reasons like if they’re on the holiday to have an extended period of time. Since the nursing positions are temporary, the employer will be expecting a nurse who does not have for being trained or supervised.

As a travel nurse, you require some important qualifications. You will need to be considered a licensed nurse that completed the nursing program from a certified school for nursing. It’s also advisable to been employed by being a nurse for the year or higher. Employers rely on travel nurses to be prepared to leap into work can be with the necessity for supervision or much training. To obtain a job as a travel nurse, most nurses will join a nurse recruiting agency.

A nurse recruiting company assists employers in the healthcare industry hire travel nurses to temporarily replace nurse on leave. Upon joining a staffing company, every one of the specifics of the nurse such as qualifications is set up a database. When an employer requests a nurse for the short term job vacancy, the agency will quickly realize the proper nurse to complete the job. The agency will help make a phone interview between the employer and nurse, assist the nurse with pay for it for travel, get the right nursing licenses, and help with finding suitable housing. A nursing staffing company could also offer courses to help keep nursing skills and knowledge on issues within the medical industry.

You can find nurse staffing agencies that provide nurses to employers needing temporary workers. As effectively, a travel nurse in most cases obtain compensation for travel relates expenses. There can also be a housing compensation and medical insurance benefits. Using a travel nursing career, flexibility is really a benefit as a nurse can choose the type of work assignment that meets the requirements and preferences. They even have a holiday between work assignments. As nicely, this can be a fun and lucrative way to see the country. If a nurse isn’t ready for any full-time career available as one place, travel nursing is a superb choice.

Nursing travel jobs tends to make a lucrative income because these nurses need to be experienced and ready to travel and begin work competently the first day. For nurses trying to travel as well as a great living, the travel nursing profession may be the solution. They also receive the good thing about working in different medical environments and experience new places. When nurses attempt this kind of career, they soon discover travel nursing is often a rewarding and lucrative career.

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The Automotive Industry Marketing Plan

The auto industry is one of the largest industries in the world. It includes dealers, service shops for repair and body work, parts suppliers, insurance companies and even towing companies just to name a few. All areas of the auto industry share a common interest and that is cars. The interest in the auto industry has done nothing but increase over the years and all areas of the industry are learning to implement new marketing techniques in order to gain their customers attention.

Promotional products have been proven to be very effective marketing tools for businesses within the auto industry. Repair tools, key chains, safety tools, road side kits and many other promotional products that boast the company’s name or logo can not only be useful to the consumer but can be very effective in gaining more business for the company.

Tow companies often use roadside kits as a promotional part of their marketing campaign and it works. Think about the times of accidents, emergencies or break downs and that feeling of desperation while wondering who you should call. When you reach for the bag in your trunk that supplies your road side safety and emergency supplies and the logo of a towing company is clearly printed with a number for assistance, who else would you call? Many companies offer elaborate kits while others offer simple ones, the effectiveness of the advertising in those situations are not easily compared so there is no real proof that creating a kit complete with jumper cables and hazard signals works any better than one with road flares and a few simple tools.

Insurance companies and parts suppliers can also benefit from this promotional method of advertising. Any event that requires assistance will cause the driver to look for items they already possess in their vehicle to rectify the situation at hand and with those items and the contact information that is the number that will 9 times out of 10 be used.

Branding is another great way to use promotional advertising within the auto industry. When people take great lengths to accessorize or customize their vehicles they often want to show off the brands that they used. By incorporating engraved key chains, branded licensed plates and other accessories that sport the company brand or logo will be a great way to grab the attention of admirers. When consumers see the vehicle looking great and your company brand is located on it you will get the majority of the credit and they of course will come to you for all of their customization needs.

Parts suppliers and service garages often use tools as part of their promotional advertising campaign. This is due to the fact that when a vehicle breaks down or is in need of service or maintenance those tools that are on standby with the company logo on it will often be the reminder for the consumer to contact that company for their parts or service needs. You can use anything from flashlights, tire gauges to multi set tool kits to offer the advertising that you need to get that customer in your door.

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Information On Merchant Account Loans

For an entrepreneur, there are always instances wherein he or she would require additional funds in order to sustain or even help start up his or her new business. Unsecured business loans provide such additional funding with far less requirements that traditional sources of funding usually ask for. It is a process that is somehow ironic, but not quite untrue. In order to make money, one has to have money, and in order to create a business that would make you money, you have to have money to get it off the ground.

Loans are there to provide you the money that you would need to put up your own enterprise, but you have to have an established business history in order to secure a loan from traditional lenders, an established business history that you can only get if you have a business to establish it with. This, of course, puts new potential business owners in a very tough position. A merchant account loan, or unsecured business loan, gives new entrepreneurs a chance, and the money that they need, at starting up their own business. Unlike with traditional lenders, this loan can be acquired in a matter of mere days with a lot less hassle.

When an individual wants to start up a new business, there are several options available to him or her to acquire capital. There are friends and family who they can turn to for financial support. Many people also suggest the use of an entrepreneurs own retirement accounts or savings to start off the business, and even credit card advances for the funds. What all of these things have in common is the great deal of personal and financial risk involved. By covering all the bases, applying a little foresight to planning, we can all surmise that all new businesses have a huge chance at failure, regardless of how sound the business strategy is or how innovative or time tested the product or service offered actually is.

If your business does fail, how will that affect your relationship with the people you asked assistance from? How will it affect your own personal financial security? Merchant account loans provide a safer alternative. It is a form of credit card factoring that focuses on small businesses, making it a more viable option for entrepreneurs that are just starting out.

So how do merchant account loans work? As mentioned, it is a form of credit card factoring. This is a business practice wherein the small business owner sells all his or her upcoming Visa or MasterCard receivables. They sell these receivables at a discount, and by doing so, allowing these new entrepreneurs to acquire the money that they need within days. One advantage of this kind of loan is that these usually carry with it a very flexible payment term, the basis of the terms are dependent on the daily credit card revenues. It is customary that the credit card factoring agency require the business owner to make use of is or her credit card processors exclusively for the purposes of record keeping. To determine daily repayment amounts for the loan, it is vital that the record of purchases is as accurate as possible.

Merchant account loans are the ideal way for new entrepreneurs to have access to their funds. These new entrepreneurs acquire their much needed finances in a matter of days thanks to the merchant account loan, and they do not even need to establish a good business history to get approved. Even the lack of a high credit rating is not a huge factor when it comes to these loans. Since the repayment is based upon the merchant or the entrepreneurs credit card revenues, no matter how good or how badly the business does in terms of revenue, repayment of the loan would not carry with it as much of an impact on the entrepreneurs finances as it does with loans from traditional lenders, who usually have a set date and specific terms for payment.

If you are a small business owner or an individual who is thinking about putting up his or her own small business but worries about raising the appropriate start up funding, then merchant account loans just may be the ideal alternative for you. You get the money you need relatively quicker, and the risks are definitely much lower. With such a decreased processing time and approval rate, anyone can easily obtain a merchant account loan and proceed to putting up that business that they have always dreamed of.

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