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The need for health insurance emerged in the s, fueled by increasing costs of hospital care. Those costs, driven by significant investments in facilities, equipment and physician training, drove up medical bills for patients and at the same time ballooned the budgets of hospitals, which began exploring funding mechanisms. Baylor Hospital, in Dallas, Texas, introduced the first pre-paid hospital insurance in , offering to provide medical services to a group of Texas teachers for a premium of 50 cents a month. The plan worked on the principle of paying for the costs of care for a small group of sick individuals by spreading them out over a much larger pool. The U.

The Gibson Explorer is a type of electric guitar that made its debut in The Explorer offered a radical, " futuristic " body design, much like its siblings: the Flying V , which was released the same year, and the Moderne , which was designed in but not released until The Explorer was the final development of a prototype design that, years later, Gibson marketed under the name Futura. The Explorer's initial run was unsuccessful, and the model was discontinued in In , Gibson began reissuing the Explorer after other guitar companies had success selling similar designs.

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However, today she has been forced to deny she's making a new sex tape with her young love - in a bid to make some extra cash. The former glamour model , 41, risks losing her mansion following a fresh bid for bankruptcy was filed against her home last week. And now it seems a joke she made about how she could make cash fast has been taken seriously and she has had to deny that she is selling a sex tape. A source had told Closer: "She always says sex sells , and thinks the best way for her to make money quickly would be for the pair to release a sex tape and sell it to the highest bidder — she's joked it's sex for sale on tape. This latest story comes after The Sun exclusively revealed earlier this week how Katie has confiscated Charles' phone in a bid stop him gossiping to his mates about their relationship.

There are two types of student loan consolidation: federal and private. Private consolidation is often referred to as refinancing. Private student loan consolidation, or refinancing, means replacing multiple student loans — private, federal or a combination of the two — with a single, new, private loan. Your financial history — including your credit score, income, job history and educational background — will dictate your new interest rate when you refinance. Refinancing federal student loans into a private loan means losing consumer protections specific to federal loans.

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There are several likely suspects that could be causing vaginal pain, including infections, cysts or other conditions. It might leave you wondering what the heck is causing it and what you should do about it. Cleveland Clinic is a non-profit academic medical center. Advertising on our site helps support our mission. We do not endorse non-Cleveland Clinic products or services.

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Clinical Information. Lister is a board-certified Otolaryngologist-head and neck surgeon who cares for adult and pediatric patients with a variety of conditions affecting the ears, nose, sinuses, throat, head, and neck. In his practice, Dr. Lister utilizes a variety of traditional and cutting-edge surgical techniques including:. U niversity of W isconsin —Madison.

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