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United FNA-FANS a Quarterly Publication of United FNA-FANS October 2014 Volume 1, Issue 4 United FNA-FANS A quarterly publication of United FNA-FANS www.unitedfnafans.org President’s Message hosting a membership drive. Always for the Therefore, I would like to request community! Inside this issue Respected Community Members, you all to join United FNA-FANS on Overview of American Healthcare Page 2 October 18 to celebrate Dashain Respectfully, Namakar! and show your support. Bikash Devkota Before and After: The 5K Page 3 President Views Page 4 Happy Bijaya Dashain 2071 to all! Last but not the least, I would like to Greetings Page 5 thank all the coordinators and We have continued to host participants who contributed to the Literature Pages 6-7 programs as written in the By-Laws programs hosted by United Interview Pages 8-9 of United FNA-FANS such as New FNA-FANS thus far. Social Page 10 Year program, Nepali New Year www.facebook.com/UnitedFNAFANS Picnic, Buddha Jayanti and in We are always open to hear your Nepal Study Forum Page 11 October 18, 2014, United FNA-FANS feedback/suggestions and will reach Kids Corner Page 12-13 Jacksonville Local Chapter we will out to all members with effective be hosting Dashain Celebration in communication. If you have any Carvel Crossword Page 14 Jacksonville. The event will take suggestions or comments you can @UnitedFNAFANS Last Page Page 15 place at 4:00 PM in Landmark reach me @ (407)-453-1732, or Middle School: 101 Kernan Blvd N, [email protected], or con- Jacksonville FL, 32225. During this tact any of our EC team members. So he wants to take a event, we will have sports, cultural Selfie for his Facebook events and a concert featuring Yam Once again, Happy Bijaya Dashain. after boring us with his May your holiday season be filled Baral. long speech… ??!!!?? with peace, prosperity and happi- We are continuing our efforts to ness. On behalf of United FNA- increase membership in United FANS, I would like to extend my FNA-FANS. To encourage more appreciation to all those who have membership, every city will be been supporting and promoting Ne- pali community values. Oh Boy! 1 VIEWS INDRENI By - Dr. Sharada Bhandary West Palm Beach, FL A profound change has occurred in American Health Care with the passage of the Patient Protection & Affordable Care Act (“Obamacare”) in March 2010.This is the closest America has come to a ‘National Health Service’ - but compared to other developed countries, it is nowhere as simple or comprehensive. To receive health care in America you need Health Insurance. There are 2 main categories of Insurance: Government Provided Health Insurance and Private Insurance. GOVERNMENT PROVIDED INSURANCE MEDICARE This is for people age 65 and over regardless of income. It is now called ORIGINAL MEDICARE. It has 3 Parts: PART A This part covers Hospitalization - there is no premium to pay for this Now we come to 2010 and OBAMACARE. Its intentions are: PART B This part covers other services e.g. Doctor visits, labs, Outpatient services, etc. There is a premium you have to pay Increase the number of people with health insurance, for this approximately $105 per month. Overhaul Individual Insurance, Expand Medicaid. PART D This part covers Prescription Drug Plans. OBAMACARE does NOT impact people who already have health However, not all costs are covered by Medicare. By some ac- insurance either through their employer or Government counts only 50% - 60% of the charges are covered so, you have insurance i.e. Medicare. to pay the rest. To cover these uncovered charges you need ad- ditional coverage called Supplemental Insurance – or MEDI- Four (4) Plans are offered - BRONZE, SILVER, GOLD and CARE ADVANTAGE plan. This is also Medicare but is funded by PLATINUM. private insurance companies that have contracted with the gov- The Bronze plan has the lowest premium cost and covers ernment to provide this service. The Insurance companies offer approximately 60% of medical bills. two basic plans HMO and PPO plans. Each plan comes with its own rules. The costs are different with regards to Co-pays De- The Platinum plan has the highest premium and covers 90% of ductibles, Drugs and Premiums you chose. medical bills. MEDICAID Enrollment - You go to the government website: www.healthcare.gov and you chose your plan. You are then Government insurance program for persons of all ages whose enrolled electronically. Your first month’s premium is collected income and resources are insufficient to pay for health care. and you will be sent an I.D. Card. PRIVATE INSURANCE Open Enrollment ended March 31st, 2014. Next enrollment: November 15th. 2014 to February 15th. If you are less than aged 65, there are several options: 2015. If employed - your employer may pay for your health If you decide NOT to get insurance, you will have to pay a pen- insurance (best scenario) alty of $95 or 1% of your income and this will increase every year. To pay for your premiums you may qualify for a Health In- If your employer does not - then you have to get your own surance Subsidy - this will depend on your income and whether insurance. You have a wide choice as there are more than you are single or married with children. 125 Health Insurance Companies. They offer different plans with different premiums you chose. Finally, there is the EMERGENCY DEPARTMENTS in Hospitals who are obligated to see all patients with an Emergency Medi- cal Condition irrespective of their ability to pay. 2 views INDRENI By: Srijana Nepal I ran and ran and ran! runners be- My goal before joining the wellness pro- cause when gram was 140 pounds (I was 20 pounds Before running the 5K I thought how hard the cannon overweight.) Now I am 135 lbs! And that could it be to run three miles? boomed, zoom in just three months! I too find it hard to I went! I not believe! I was naïve. only completed the race, but I I feel great! I had to jog the first mile, walk the sec- finished it in ond, and then jog and walk the third 44:20:00 People are asking me how I was able to mile. I had no idea how long a three- mile minutes! do it. They ask me- What do you eat? length would be. What do you do? How much do you exer- Before The moment I cise? I tell them: I am not on any kind of After finally running the 5K, I came to re- touched the diet, I haven’t given up any food, but I am alize it was not that easy. finish line that moving and making healthy choices. day, I felt I had achieved something. I also I had registered for the 5K run organized had my health screening that day. I was by the Palm Beach County Wellness Pro- told that everything was normal and fi- gram, my first run ever, on January 11, ne. I was so excited by this whole experi- 2014 thinking I would lose some weight. I ence that I made the decision to do some- had been trying to lose some pounds for thing different to become healthier and over 2-3 years and despite eating healthy I lighter. I was determined to make some was not able to lose more than 5 pounds. lifestyle changes. The 5K triumph put me on a mission. On Dec 28, about a week before the race, I walked one mile to acclimatize myself. It I vowed that I would: was easy! With the confidence I acquired After after walking just one mile, I embarked on 1. Eat more salad. the three-mile long journey. I even en- 2. Not eat after 8 pm. (I used to eat I have come to believe that when they say couraged my family to take part in the around 10-10:30 pm. exercising is a key to healthy living---it is race; my nine-year-old daughter and 50- 3. Eat chocolate, ice-cream, cake and true. year-old husband also participated in it! cheesecake in moderation! It might not be easy to lose weight but if 4. Walk at least 15 minutes every day! you make some changes it is achievable I don’t know what came over me as I and attainable. stood with hundreds of other enthusiastic I exceeded my weight loss goal! FESTIVAL FACTS Tihar (तिहार) also known as Diwali houses to make it illuminate at in Terai region of Nepal. It is a five- night. The five-day festival is consid- day-long Hindu festival celebrated ered to be of great importance as it in Nepal which comes soon after shows reverence to not just the hu- Dashain. Similar to Deepawali but mans and the Gods, but also to the with a regional variation. In Nepal animals like crow, cow and dog, all Hindu ethnic groups celebrate who maintain an intense relation- this festival with their own varia- ship with the humans. People make tion. Among the Newars, it is patterns on the floor of living rooms Five days of Tihar are: known as Swanti. The festival is cel- or courtyards using materials such 1 crow tihar ebrated from Trayodashi of Kartik as colored rice, dry flour, colored 2 Kukur Tihar Krishna to Kartik Shukla Dwitiya sand or flower petals outside of 3 Gai Tihar and Laxmi Puja every year. Tihar in general signifies their house, called "Rangoli" which 4 Gobardhan Puja and Mha Puja the festival of lights, where diyas is meant to be sacred welcoming ar- 5 Bhai Tika are lit both inside and outside the eas for the Hindu deities.
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