Health and Medical Insurance Coverage

It Is Less Expensive When Insured Under an Association

Over the years, it has been repeated that it is cheaper to obtain health insurance if you are being insured under a group. An example of this is a group of union or workers or laborers within a given corporation. Although this is less expensive, there are still others who will find it difficult benefiting from it. This is because the corporations under which they work hardly provide health insurance to their employees or that these people cannot locate a scheme such as that which provides coverage to a group or under which that can benefit by belonging to that group.

Sometimes in the past, employers made it habitual to contribute to the health insurance of their employees. This was considered as a portion of their payments. When the economy starting getting into recession, this benefit was gradually reduced and even eliminated. For this reason, most employees are compelled to personally take care of the cost on insuring their own health.

There is an option for those living in California. What is done is that people can take care of their health through health insurance by either through an indemnity or an organized care plan. An indemnity arrangement is that in which the insured has the option to decide on whoever is making provision for the service and the insurance provider will in turn take charge of a considerable amount of this cost. The insured will also have to contribute his or her share of the cost and this is commonly known as coinsurance. This will be applicable in a situation in which the medical expenses do not go beyond a certain limit. Once this limit is exceeded, the insurer will have to pay for the whole cost.

On the other hand, an organized care plan is a scheme which focuses on pre-emptive health care. This scheme is operated by an association of hospitals and certified health care providers and they often provide extensive health insurance to their clients through an agreement. Under this scheme, it will be impossible for the insured to opt for whoever will provide health insurance for him or her. At times, this is even considered unnecessary because the benefits and satisfaction always derived from the quality and measure of health care provided is greater than the option of making a choice that the client forfeits.

Providing Health Care to the Community

There are two health care schemes which the central administration has made available to all. These are the Medicare and Medicaid.

The administration does this by declaring a stage of minimum earnings and it in turn provides finances to every State so that it can better administer its individual health care arrangement. What should be taken note of is that the finances to this scheme are not always available. For this reason, qualifying for the scheme will always be a matter to be decided by the administration of each state and it will also vary. It should be noted that the main objective of the above two schemes are meant to provide health care to the feeble such as the aged, those who are handicapped, those who cannot financially make provision of their health care and especially kids. Those schemes have been referred to as MediCal and Healthy Families schemes in California.

There are different health insurance schemes and all these schemes will have sets of rules and regulations which take care of them. If you intend to become part of any of such schemes, it is necessary to critically look into what they provide. You should also know that you must pay the “deductible”. This is a fixed sum that must be paid annually ahead of benefiting from health insurance covered by the policy. Keep in mind that the larger the deductible, the cheaper the rate of premium. However, most people will believe that what you pay for health insurance is not really clear when every other consideration such as those under the indemnity scheme and organized care scheme is taken into account.

Of late, the administration in California made available a card for prescription drugs and this card is gotten without any charge. Every Californian is qualified to have this card. The benefit of having this card is that you will benefit from a price cut of 75% if you pay for any prescription medication. This is part of a program aimed at providing health care to the whole community.

Discover the main problems with health insurance as well as the shocking statistics in health insurance when you visit http://www.californiahealthpolicy.com, the premier portal for health insurance individual and family in California.

Article Source: http://EzineArticles.com/expert/Daniel_K._Grimm/321260

 

The Top 10 Health Myths Finally Exposed!

INTRODUCTION:

Only 400 years ago it was believed that the sun revolved around the Earth.

And it was only in the late 19th century that the barbaric practice of blood letting (and once believed ‘cure all’ of disease) was finally abandoned.

Thanks to advances in science and medicine, new discoveries have been made that have reshaped old paradigms and changed our way of thinking.

Therefore, we would assume that in this current age of science, medicine and technology, a well established consensus of health information would exist… Sadly that is NOT the case.

In fact, many of the current health recommendations are causing an increase in health problems. Several leading health researchers point to the fact that these recommendations are often driven by certain industries who have vested interests; namely profits, at stake.

As a former student of natural therapies, and having now been involved in the health & fitness industry for over 17 years, it is my intention to shed some light on 10 of the most common health myths – as controversial as they may be!

The Top 10 Health Myths are as follows:

Myth 1: Your genetics determine whether you will get cancer

Myth 2: For good health, follow the recommendations of the food pyramid

Myth 3: The sun causes skin cancer

Myth 4: People are overweight because they have slow metabolisms

Myth 5: Cows milk is a good source of calcium and builds strong bones

Myth 6: Eggs are high in cholesterol and should therefore be avoided

Myth 7: Margarine is a better choice than butter

Myth 8: Artificial sweeteners are a good alternative to sugar

Myth 9: You should eat a low fat diet

Myth 10: I should drink red wine as it’s recommended by my doctor for good heart health

Let’s address these one by one…

Myth 1: Your genetics determine whether you will get cancer.

Fact: Your LIFESTYLE is the single most determining factor, not your genes!

Just because your mother or father died from cancer doesn’t mean you have to suffer the same fate. It all comes down to lifestyle choices.

Unhealthy diet, lack of exercise and poor lifestyle choices, play a major role in the development of many diseases, including cancer.

Dr Rachel Thompson, science programme manager for the World Cancer Research Fund (WCRF) dispels this common myth and she conservatively estimates that lack of exercise and being overweight, causes three times as many cases of cancer as genetics.

According to her, the evidence suggests that 39 per cent of the most common cancers, including breast and bowel, could be prevented through a good diet, exercising and keeping weight under control.

“It’s important to dispel the myth that cancer is down to genes,” says Thompson. “The evidence shows that an unhealthy diet and low activity levels cause three times more cancer cases than genes. If people do have a family history, then this is important information for them personally, but overall this inherited genetic predisposition is uncommon. In fact those who have inherited genes should pay even closer attention to their lifestyle as there is probably still a lot they can do to reduce their risk.

“It is clear that choosing a healthy diet and being more physically active are important ways to help prevent many cancers,” she added.

Furthermore, a study conducted in 2005 by Dean Ornish and colleagues at the University of California, San Francisco, US, tested the effects of a dramatic lifestyle change on gene expression in 30 men with prostate cancer.

Biopsies taken before and after 3 months of healthy eating, moderate exercise, stress management and psychotherapy showed a significant change in the expression of hundreds of genes. Healthy eating and exercise turned crucial genes on and off.

Many, including several genes involved in tumor formation, were down-regulated, or less active. Others, including some disease-fighting genes, were more active.

Not only do these results demonstrate that positive lifestyle changes can slow the progression of cancer, the results may also be significant for cancer prevention.

Conclusion: Many people believe that inherited genes or simply bad luck are the only factors in cancer development and it’s time this myth was laid to rest.

Myth 2: For good health, follow the recommendations of the food pyramid.

Fact: Following the recommendations of the food pyramid is bad for your health!

The original 1992 U.S.D.A. food pyramid was based on the same recommendations and ratios for fattening cattle and other livestock!

According to Harvard Scientist Dr. Walter Willett, the original food pyramid was motivated by food industries rather than valid scientific research. He also states that the food pyramid is “terribly misleading and flawed.”

For example, blanket suggestions are made that all fats are bad and all carbohydrates are the same, which is simply not true.

Moreover, the original food pyramid advocates eating 6-11 servings of carbohydrate per day. Therefore it’s hardly surprising that we have such high rates of type 2 adult onset diabetes and obesity.

Recommendations concerning exercise, alcohol intake and the importance of fruits and vegetables are conspicuously missing.

The New ‘Longevity’ Pyramid!

Dr Mitra Ray, author of ‘From Here to Longevity’ advocates a new food pyramid which is based on sound health principles. This new food pyramid has a foundation of 5-10 servings of non-starchy vegetables. The next tier is meat, fish and poultry 2-3 servings as well as lentils, beans, raw nuts or seeds comprising 1 serving. The next level is fruit, 2-4 servings, and the top level (or least amount) is whole grains, breads and cereals with a maximum of 2 servings per day.

Myth 3: The sun causes skin cancer.

Fact: The body needs sunlight! Regular exposure to sunlight can reduce the incidence of cancer by up to 60%

Unfortunately many well intentioned doctors and dermatologists propagate the belief that the sun causes cancer, when in fact, the opposite is true.

For example, many studies demonstrate that people who live in sunnier, southern latitudes and who have higher levels of vitamin D (as a result of their increased sun exposure) are much less likely to die from any type of cancer than people in northern latitudes.

There is also strong evidence that sunlight protects against MS and breast cancer.

Contrary to what you may have heard, appropriate sun exposure actually helps prevent the fatal type of skin cancer, melanoma. In fact, rates of melanoma have been found to decrease with greater sun exposure. Melanoma is more common in indoor workers than outdoor workers, and melanoma more commonly appears on regions of the body that are NOT exposed to the sun.

To significantly reduce our risk of developing cancer, we need to ensure we have regular sun exposure to keep vitamin D at optimum levels.

Recommendation: Try to obtain 10-15 minutes of sun exposure per day. Cover up with clothing to prevent sunburn, and make sure to avoid using commercial sunscreens as these contain toxic chemicals linked to skin cancer & melanoma (unbelievable but true) AND they block the absorption of vitamin D. If you must use sunscreen, use a natural, chemical free alternative.

Myth 4: People are overweight because they have slow metabolisms.

Fact: Only a very small percentage of people have slow metabolisms.

It’s a common complaint, but studies show you can’t use a slow metabolism as an explanation for weight gain.

In fact, recent studies have revealed that overweight people actually have faster metabolisms and burn off more energy than their lighter counterparts.

Your body composition, specifically your lean muscle mass, determines your basal metabolic rate (BMR) or the amount of calories you burn at rest.

The more lean muscle you have, the more calories you burn, and people who are overweight usually have an increased metabolic rate because they have more muscle as well as fat.

This is why men – who typically have more lean muscle than women do – tend to lose weight faster and gain it more slowly. It’s also why experts recommend strength training to build muscle mass. BMR is also affected by how much you exercise. All physical activity, not just strenuous activity, increases the number of calories you burn.

There IS such a thing as a slow metabolism but it’s very rare.

If you’re concerned that you have a slow metabolism, consult your health professional. Your health professional may recommend a test to calculate your BMR, or resting energy expenditure. Medical conditions that can decrease BMR or alter your muscle-to-fat ratio include hypothyroidism and Cushing’s syndrome.

The bottom line: Most overweight or obese individuals do not get that way because of a slow metabolism. They get that way because they eat too many calories and don’t exercise enough.

Myth 5: Cows milk is a good source of calcium and builds strong bones.

Fact: Cows milk is not designed for human consumption. We are the only species on the planet to drink another species milk… cow’s milk is for cows!

People who have grown up believing that cows milk is a good for you, that it is a great source of calcium and produces strong bones, are in for a shock! In fact, many prominent medical doctors are now saying dairy consumption is a contributing factor in nearly two dozen diseases of children and adults.

Our “nutritional education” in school (funded in part by the dairy industry) taught us that dairy products are one of the four basic food groups we all need for proper nutrition. As a result, dairy products became a well-entrenched and major staple of government-sponsored school lunch programs.

Cow’s milk can lead to iron deficiency anemia, allergies, diarrhea, heart disease, colic, cramps, gastrointestinal bleeding, sinusitis, skin rashes, acne, increased frequency of colds and flu, arthritis, diabetes, ear infections, osteoporosis, asthma, autoimmune diseases, and more, possibly even lung cancer, multiple sclerosis and non Hodgkin’s lymphoma…

And what about the claim that milk is a great source of calcium?

Ounce for ounce, a single head of broccoli has more calcium than a glass of cow’s milk. However, even more important is the finding that the type of calcium found in green vegetables is better absorbed and does not leach from the bones… unlike high protein-containing dairy products.

In short, adequate amounts of green vegetables are much better sources of calcium than milk and cheese.

Myth 6: Eggs are high in cholesterol and should therefore be avoided.

Fact: You can eat 1 or 2 whole eggs per day and not be concerned about increased cholesterol.

There has been a widespread belief that eggs are bad for your heart, however, eating whole eggs on a daily basis may prove to hold numerous health benefits, including a decreased risk of heart disease!

Research showed that, in healthy adults, eating eggs every day did not produce an increase in cholesterol levels or constitute an increased cardiac risk.

While it’s true that egg yolks contain cholesterol, (of which the body requires a certain amount) we should not assume that eating dietary cholesterol will yield an increase in blood cholesterol. Therein lies the confusion. There is NO correlation between dietary cholesterol and serum (blood) cholesterol levels.

So go ahead, eat and egg or two per day (preferably the organic, free range variety) and enjoy the healthy heart benefits.

Myth 7: Margarine is a better choice than butter.

Fact: Avoid margarine at all costs. And that includes the so called healthy olive oil based margarines. Butter is better!

Despite unjustified warnings about saturated fat, the list of butter’s benefits is indeed impressive. Butter is a rich source of vitamins A,D,E and K as well as trace minerals and fatty acids necessary for a range of healthy bodily functions.

Standing in direct opposition to these healthful qualities stands margarine and assorted ‘vegetable oil’ spreads.’ While these may be cheaper, chances are you’d never eat them again if you knew how they were made!

Margarines are made from assorted vegetable oils that have been heated to extremely high temperatures. This ensures the oils become rancid. After that, a nickel catalyst is added, along with hydrogen atoms, to solidify it. Nickel is a toxic heavy metal and small amounts always remain in the finished product. Finally, deodorants and colorings are added to remove margarine’s horrible smell (from the rancid oils) and unappetizing grey color.

In the solidification process, harmful carcinogenic trans-fatty acids are created. Ask yourself, would you rather have a health food with healthful qualities? Or a stick of carcinogenic, bleached and deodorized slop.

Given the choice, choose butter!

Myth 8: Artificial sweeteners are a good alternative to sugar

Artificial Sweeteners are highly toxic to the body!

Aspartame (often labelled as ‘phenyalanine’) and marketed under the name NutraSweet, Splenda and Equal, is linked to a multitude of health and neurological problems including fibromyalgia, lupus, alzheimers and MS.

Often described as a silent killer, symptoms of aspartame toxicity are mostly neurological and can include numbness of the legs, cramps, vertigo, dizziness, headaches, tinnitus, joint pain, depression (aspartame reduces serotonin levels in the brain) anxiety attacks, slurred speech, blurred vision and memory loss.

Those of us watching our waistline are often tempted by claims of ‘zero sugar’ or low carbohydrates. However, more often than not these foods and drinks contain artificial sweeteners. Paradoxically, artificial sweeteners cause carbohydrate cravings which can lead to weight gain!

Today, artificial sweeteners can be found in everything from soft drinks to yoghurt to baked goods to chewing gum.

Although small amounts are unlikely to be problematic, be discerning of your food choices and be aware that repeated ingestion of artificial sweeteners can be damaging to your long term health.

Myth 9: You should eat a low fat diet

Fact: The body needs fats! Especially ‘essential fats.’

This idea that all fat is bad is completely untrue. Every cell in the human body requires fats for metabolic functions, the manufacture of hormones, brain function, plus many other vital functions.

Your body needs ‘essential fats’ from your diet (essential simply means that our body can’t make it by itself) The best sources are high in omega 3 and include olive oil, nuts, avocado and fish oils.

The rights fats assist in lowering blood pressure, thinning your blood and preventing blood clots. Likewise, most inflammatory conditions can be prevented or controlled with regular omega 3 fats in the diet. A lack of omega 3 in your diet will intensify a number of inflammatory conditions ranging from asthma to arthritis and even heart disorders.

The fat soluble Vitamins A, D, E and K cannot be absorbed unless we have sufficient fats in our diet. Therefore no matter how many vitamin rich fruits and vegetables you eat, if you have a low fat diet, it’s highly likely you’ll eventually suffer degenerative diseases caused by vitamin deficiencies. One example is osteoporosis. For calcium in our diet to become bone mass, it requires the presence of Vitamin D and Vitamin K to be absorbed.

As the human brain is 70% lipid (fats) we need a regular intake of healthy fats and cholesterol to function properly. Therefore it should not surprise you that a low intake of fats can lead to short term memory loss, loss of concentration, depression, bi polar disorders and schizophrenia and in the longer term, Alzheimer’s disease.

Symptoms of insufficient fat in our diet include increased cholesterol levels, dry and flaky skin, loss of skin elasticity and wrinkles. (The benefits of healthy fats are similar to antioxidants.)

Healthy fats are therefore an essential component of your diet. Eat fats, but choose the right fats!

Myth 10: I should drink red wine as it’s recommended by my doctor for good heart health

Fact: It’s not the alcohol in red wine that is good for you. Alcohol is a neurotoxin!

It’s not the alcohol in red wine that is linked to a lowered incidence of heart disease, it’s an antioxidant found in red grapes called resveratrol.

Wines contain abundant quantities of polyphenols, a class of antioxidant not present in other alcoholic beverages. The concentration of polyphenols in red wine is several times greater than that in white wine and it is these polyphenols that are associated with a number of health benefits.

Alcohol itself is actually a neurotoxin and excess consumption can seriously disrupt your delicate hormone balance, cause liver damage and other health problems.

If you’re a non drinker, my recommendation is simply this… Don’t start now! Remember, it’s not the alcohol in red wine that’s good for you – it’s the antioxidants. Use moderation, or drink grape juice instead!

CONCLUSION:

So there you have it. The top 10 health myths finally exposed.

I encourage you to be vigilant in your pursuit of good health and be weary of health claims made by the media, the pharmaceutical companies and even your own doctor.

When it comes to your health, you’re the one in the driver’s seat. Do your own research, seek out reputable sources of information and explore natural and alternative therapies where appropriate.

It’s by keeping an open mind, questioning and evaluating current health recommendations, that you can truly take control of your health and well being.

Mark Woodgate is a leading body transformation specialist. If YOU would like to transform yourself, subscribe to Mark’s FREE fortnightly fit tips. You’ll also receive Mark’s FREE report “Body Transformation Secrets Revealed!”

Visit: http://www.bodyblueprint.co.nz/fit-tips.html

Article Source: http://EzineArticles.com/expert/Mark_Woodgate/265671

 

Total Health Care For the Elderly With Effective Individual Health Coverage

Elderly Health Care A Financial Challenge for Families

Total health care for the elderly poses an enormous challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more yearly.

Elderly Care Services Are Expensive

Today, drugs to treat older people are becoming extremely costly and not getting the right individual health coverage early with affordable health insurance plans can mean bearing an exceptionally and financially heavy burden that will more often than not turn out to be crippling for the ‘man on the street’.

Older People Are Medically More Vulnerable

When it concerns some of the more pressing elderly health care issues, vascular dementia will most likely top any list that may also include conditions like Alzheimer’s and Parkinson’s diseases. Among so many different conditions, vascular dementia is one big concern. Though it doesn’t get much media attention, it can severely affect any older person suffering from it and so, should be regarded seriously and addressed appropriately.

Costs of Healthcare Only Go Up

What’s more, every day senior health insurance costs are rising and are going through the roof. Not all of the costs are covered by individual health plans and even the cover from Medicare is low at best – particularly when treating serious, chronic health or medical conditions for older people.

However, all isn’t lost because by having a look at certain health care resources that are especially catering to the needs of elders that pay for total health care for the elderly costs including hospitalization costs as well as visits to doctors, you can ease the heavy financial burden.

Elderly Health Insurance – It Pays to Start Early

Selecting the right, affordable elderly health insurance plans before reaching the age of sixty-five can prove to be extremely useful in covering costs of total health care for the elderly. By paying a certain elderly health insurance premium on an once a month basis you can cover some of the high costs of dedicated elderly care services.

Lastly, keep this in mind: Unlike individual healthcare for the average joe, money alone may not help when it comes to offering holistic elderly health care with the right individual health coverage.

Ray Young writes on topics like Insomnia Causes [http://www.insomniacureguide.com] to promote healthy lifestyles for healthier living. Older people don’t just need quality health care. They need holistic health care for the elderly. This takes more than money. Money alone may not help when it comes to offering total health care. To find out why and more, check out Elderly Health Care [http://www.besthomehealthcareinsurance.com/elderly-health-care/total-health-care-for-the-elderly-why-it-takes-more-than-money].

Article Source: http://EzineArticles.com/expert/Ray_Young/204629

 

Health Insurance Comparison by Individual Health Coverage – Take Your Pick

Individual Insurance Plans To Meet Your Needs

How and where to find individual insurance plans that offer you adequate individual health coverage takes much consideration. But first the significance of doing health insurance comparison before deciding can’t be over-emphasized.

Coverage and Pricing Options

Affordable health plans that come with various options and prices are dependent on the individual health coverage required as well as what a given healthcare insurance policy should cover. Depending on specific situation, sometimes the individual’s job, professional organization or union will provide group health insurance plans, while others do not and require the individual to take up private health care insurance.

Group Health Coverage

Group health care will normally cost less than private health care insurance, or indemnity policies. They are less expensive and hence, more affordable because health insurers offer deals to large organizations to insure many people at one go under that particular organization’s policy. Moreover, the individual may be given the choice to opt for group healthcare with the organization offering to pay a part of the premium for the individual, should they decide to accept any of the plans. Both are contributing factors to make group health care more affordable.

Health Insurance Comparison

By comparison, private health care insurance provides the individual with many more options, but usually cost a lot more than a group health policy. The former also may require the individual to file his own claims for reimbursement. This means more time, paperwork and hence, more hassle for that person. However, the individual usually has more choices of healthcare service providers under individual health plans. As a result, the person can start shopping around for the best prices on the market according to what he needs to sniff out truly good deals with affordable health insurance plans.

Take Your Pick

After all, finding individual health plans that is best for you with proper individual health coverage making health insurance comparison is not so tough if you know how to pick and choose from among many affordable health plans out there.

Ray Young writes on topics like Cures for Insomnia [http://www.insomniacureguide.com] to promote healthy lifestyles for healthier living. Private Health Care Insurance or Group Health Insurance Plans? Take your pick by making Health Insurance Comparison to Find Health Insurance that meets your need for Individual Health Coverage without hurting your pocket. To find out how this can be done and more, check out Affordable Health Plans [http://www.besthomehealthcareinsurance.com/health-care-insurance/private-health-care-insurance-or-group-health-insurance-plans-take-your-pick].

Article Source: http://EzineArticles.com/expert/Ray_Young/204629

 

Individual Health Coverage – Health Insurance For the Self Employed

Getting private health care insurance can be more expensive than group health coverage. If you are self employed, it is quite unlikely you will have access to individual health coverage by means of a group policy. This is where you need to seriously explore health insurance for the self employed as an option.

It is quite normal as a self employed individual, to think of individual health coverage as a luxury. Private health care insurance can be very expensive and costly on the part of people who don’t usually fall ill or visit their doctors regularly.

Getting affordable health plan is beneficial because it covers accidents which can happen to anyone. As a self employed individual don’t cut corners on affordable health plan by totally avoiding it. This is especially true with health insurance for the self employed since the entire decision is left with you as an individual. Rather, look around for flexible ways to beat out cost like joining a union or taking cover under your spouse’s plan.

A good way to beat the high premium rate in health insurance is by taking advantages of the various state programs in the form of affordable health plan. Some states provide free health policies or subsidies for low income citizens. There are also programs like the “risk pool.” This program spreads the individual health needs of people over a large number of people just like the group plan does.

You have to know that unexpected medical occurrences can cause irreversible damages to your business. If you fail to look into health insurance for the self employed to get proper individual health coverage early as a business owner, consequences that follow can be severe. It’s not worth taking that kind of risks. So there is every reason you should start shopping around for private health care insurance options that can offer you maximum coverage without costing you an arm and a leg!

Ray Young writes on topics like Cures for Insomnia [http://www.insomniacureguide.com] to promote healthy lifestyles for healthier living. Failure to get yourself medically covered early with health insurance for the self employed or group health care policies if you are employed, carries health and financial consequences beyond your imagination. To find out what these consequences are and why it’s not worth taking those risks, check out Individual Health Coverage [http://www.besthomehealthcareinsurance.com/health-care-insurance/affordable-health-insurance-plans-your-key-to-affordable-health-care].

Article Source: http://EzineArticles.com/expert/Ray_Young/204629