Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home. It requires that at least one of the named insured occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as non-occupancy or age. It is a multiple line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling. The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to earthquakes, floods, "Acts of God", or war (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including flood insurance and earthquake insurance. Insurance must be updated to the present and existing value at whatever inflation up or down, and an appraisal paid by the insurance company will be added on to the policy premium. Fire insurance will require a special premium charge, plus the addition of smoke detectors and on site fire suppression systems to qualify.

Treatment Gap

The treatment gap is massive among those who need treatment for a substance use disorder and do not receive it. In 2007, 23.2 million people aged 12 or older required treatment for an illicit drug or alcohol use problem, but only 3.9 million received treatment at a specialty substance abuse facility. Reducing this gap requires a multipronged approach. Strategies include increasing access to effective treatment, achieving insurance parity, and reducing stigmas and raising awareness among both patients and health care professionals.

Podiatry

Podiatry is a branch of medicine devoted to the study, diagnosis and treatment of disorders of the foot, ankle and lower leg. In the United States, two groups of physicians mainly provide medical and surgical care of the foot and ankle: podiatrists and orthopedists. Podiatrists are certified in Foot and Ankle Surgery or certified in Foot Surgery and certified in Reconstructive Rear foot/Ankle Surgery by the American Board of Podiatric Surgery and are specifically trained to diagnose and perform complex surgical treatments of the foot and ankle. They are an integral part of the health care team, and combined with all other podiatric physicians, currently treat the majority of foot-related medical issues in the U.S. Orthopedists are the second largest providers of foot-related medical care. Each board-certified Podiatric Foot and Ankle Surgeon has a professional doctoral degree, which requires the completion of four years of Podiatric Medical School. The Podiatric Medical School curriculum covers basic and clinical sciences, including, but not limited to: general anatomy, pathology, biochemistry, pharmacology, general medicine, surgery, pediatrics, behavioral sciences, and ethics. Unlike MD and DO medical schools, the Podiatric Medical School curriculum also provides intensive foot and ankle “specialty” specific education beginning in the first year. They have completed a post-graduate Podiatric Medicine and Surgery Residency. While current Podiatric Residency models range from two to three years, the majority of graduates complete three years of podiatric surgical training and some continue on to do fellowships. This training follows a four-year undergraduate college degree. The first year of podiatric medical school is somewhat similar to training that physicians receive, but with a limited scope on foot, ankle, and lower extremity problems. As a second entry degree, for admission an applicant must first complete a minimum of 90 semester hours at the university level and/or complete a bachelor's degree. A residency follows the four-year podiatric medical school, which is hands-on post-doctoral training. There are two standard residencies named Podiatric Medicine and Surgery. These represent the two- or three-year residency training. Podiatric residents rotate through all main areas of medicine such as emergency, pediatric, internal medicine, and general surgery and of course podiatry — both clinic and surgical. During these rotations, attending podiatrists train the resident physicians in medicine and surgery. Podiatric Foot and Ankle Surgeons certified have successfully completed an intense board certification process comparable to that undertaken by individual MD and DO specialties. Certification involves written, oral, and computer-based patient simulation questions, in addition to submission of surgical case logs. Prerequisites for board qualification in Foot and Reconstructive Rear foot /Ankle Surgery require successful completion of a three-year podiatric surgical program and passing a written examination. Board certification in Foot Surgery is a prerequisite for board certification in Reconstructive Rear foot / Ankle Surgery. A candidate must pass both the written, oral, and computer-based patient simulation questions in Foot Surgery as well as the written, oral, and computer-based patient simulation questions in Reconstructive Rear foot /Ankle Surgery. Certification requires submission of 65 cases for certification in Foot Surgery and an additional 30 cases for certification in Reconstructive Rear foot/Ankle Surgery, for 95 cases. Certification requires four years of post-degree clinical experience before taking the certification examination. Additionally, must re-certify every 10 years to maintain their board-certified status, although some members who were certified prior to 1991 undergo a "self-test" examination, essentially circumventing taking the written exam all others must take in order to become re-certified. In the United States, the previous titles used for the Doctor of Podiatric Medicine degree were Doctor of Surgical Chiropody (DSC) and Doctor of Podiatry. Podiatry in the U.S. currently encompasses a broader spectrum of practice than it used to. Podiatrists can now perform medical and surgical procedures in all 50 states, though the specific scope of practice varies slightly in each state. History The professional care of feet was in existence in ancient Egypt as evidenced by bas-relief carvings at the entrance to Ankmahor's tomb dating from about 2400 BC with the depiction of work on hands and feet. Hippocrates recognized the need to reduce hard skin, described as corns and calluses. He invented skin scrapers for this purpose and these were the original scalpels. Aulus Cornelius Celsus, a Roman scientist and philosopher, was probably responsible for giving corns their name. Later Paul of Aegina (AD 615-690) defined a corn as "a white circular body like the head of a nail, forming in all parts of the body, but more especially on the soles of the feet and the toes.” Until the turn of the 20th century, chiropodists—now known as podiatrists—were separate from organized medicine. They were independently licensed physicians who treated the feet, ankles, and related leg structures.

Acne

Acne is a skin disease caused by changes in the skin structures consisting of a hair follicle and its associated subcutaneous gland. Severe acne inflames, but acne can also manifest in non-inflammatory forms. Common acne lesions are pimples, spots or zits. Acne is most common during adolescence, affecting more than 85 percent of teenagers, and frequently continues into adulthood. For most people, acne diminishes over time and tends to disappear, or at the very least decrease after the early twenties. There is, however, no way to predict how long acne can take to disappear entirely, and some individuals continue to suffer well into their thirties, forties and beyond. Most commonly, the face and upper neck regions are affected, but there may be acne on the chest, back and shoulders as well. Acne may appear on the upper arms, but lesions found there are often keratosis pilaris, not acne. Typical acne lesions are comedones, inflammatory papules, pustules and nodules. Some of the large nodules are cysts and nodulocystic describes severe cases of inflammatory acne. Aside from scarring, the main effects of acne are psychological, resulting in reduced self-esteem and, according to at least one study, depression or suicide. Acne usually appears during adolescence, when people already tend to be most socially insecure. Early and aggressive treatment of acne can lessen its overall impact on the skin and the self-esteem of a person.