Long Term Health Care

More and more people today are worried about the costs of long-term health care. They are worried if something happens to them they may run out of money and burn through their reserves. The average nursing home stay is 2.5 years of care and the average cost is over $130.00 per day. That is the average yet in many areas with nursing shortages and higher income demographics the rates are more significant. It is estimated that more than 10% of us who reach age 65 will nursing home care for more than 5-years.

It is very important to have long-term health care insurance to:

Protect your assets

Provide peace of mind

Provide assurance of quality care

Provide choice and control over receipt of care

Avoid dependence

Receive tax advantages

Paying for Long-Term Care? Here is The Bottom Line:

Medicare – This program may pay for skilled nursing facility care for a very short period of time – but no longer than 100 days – and only when you meet all the Medicare requirements for daily skilled care.

Medical – This program, called Medicaid outside California, may pay for skilled, rehabilitation and custodial care that is not covered by Medicare, but only if you first “spend-down” assets to federal and state legal impoverishment level guidelines.

Personal or Family Assets – Most people provide for long-term care expenses from personal or family income, assets and resources.

Long-Term Care Insurance Programs – Specially designed programs to pay for long-term health care expenses. HIPAA defines Federal tax treatment of insurance policies that provide long-term care coverage. Policies that meet certain criteria are designated as “qualified long-term care insurance” and will receive certain tax incentives: the cost of coverage may be deductible and long term care benefits received will not be reported as taxable income. Please consult your tax advisor for information about your personal situation.

Play it safe and know your options regarding long-term health care and know protect your assets. Think on this.

Health Care

Hello all you wonderful people out there. If there is one subject that affects every one of us that is our health. What is the best way of taking care of our health?

Let’s take a brief look at some of our options for taking care of our health.

Some people believe in preventative measures for taking care of their health. What exactly does this mean? Basically, it means eating a healthy diet, exercising properly, and living a healthy lifestyle. A yearly check-up is also a good way to know what shape you are in and to catch any developing illness.

An unpleasant factor in modern life is stress. It is a fact of life. Fortunately, there are many ways to deal with stress. Conventional medicine is one method – relaxation medication. Meditation is another method. In between there are such options as daily rest (even if for ten to twenty minutes), spending part of every day in a soothing physical environment, taking a break, a change of scenery, a vacation. A good laugh, whether at a funny joke or at a comical situation is highly recommended for keeping your mind and body in good shape.

None of us is infallible. We are all prone to illness. What are our options when we do become ill? Again there is conventional medicine. Medication for practically every illness under the sun is available.

Personally, when something out of the norm is detected on my blood test, I make a bee line to the dietician’s office. By eating those foods, those vitamins, required by the body, balance can be regained.

There is more than one way of doing things. You decide what makes you feel good and how you want to stay healthy. After all, health is wealth.

Low Cost Dental Health Insurance

Dental plans are not included in basic health insurance plans as most of the dental treatments are elective and to a degree, cosmetic. Some medical plans take account of dental coverage as an added feature. Dental disease is often preventable; with the exclusion of injury or damage due to an accident. Only the initial diagnostic procedures such as exams and x-rays in dental treatment are relatively low-cost. Otherwise the treatments are considered to be expensive.

Low cost dental insurance is necessary for anyone who cares about their teeth and also doesn’t like paying the full price for dental work. You will have peace of mind with a low cost dental health insurance as you can be safe in the knowledge that you and your family are covered for any eventuality and will obtain the best dental care, whenever you need it for a relatively small monthly or annual payment. Low cost dental health insurance is available from top rated companies like Blue Cross and Blue Shield, PacifiCare, MetLife Dental, HealthNet and Kaiser. You should identify how your plan is designed, since this can considerably affect the plan’s coverage and your out-of-pocket expenses.

A low cost dental health insurance has many different levels of cover. You can opt for basic dental health maintenance which will cover a portion or in certain cases the whole cost incurred of dental procedures such as fillings, root canal work and general maintenance. Other affordable extensive policies that cover periodontics, orthodontics, all sorts of filling, tooth and bridge work, as well as check-ups and cleaning are also available. Each low cost dental plan is different. Accordingly it is advisable to check the terms, conditions and coverage of each prospective insurer before taking a decision. With several options available, you can choose a low cost dental health insurance that is right for you and your family.

Primary Care Physicians Pay Disparity Gap Widens

Acronyms have always dominated the practice of medicine and one of the older ones is RVS or Relative Value Scale. Simply stated, although far more complicated in reality, the RVS sets the fee structure that physicians will be paid by insurance companies and agencies such as Medicare and Medicaid. A lesser known acronym is RUC which represents the real power behind the RVS. This entity, the Relative Value Scale Update Committee (RUC), evaluates physician’s procedures and makes recommendations to the CMS or better known at the Centers for Medicare and Medicaid Services. These reimbursement recommendations are almost always followed, i.e., ninety percent of the time. More alarmingly, they almost always favor dramatic increases for specialists rather than primary care physicians…six times more frequently.

Why is this disparity so important one might ask? It is terribly important for a whole host of reasons. These include:

The compensation disparity between specialist and primary care docs widens geometrically. Specialists now earn $135,000 per year and $3.5 million during a career more than a primary care doctor;

  • Clearly, with this type of incentive, many more docs are becoming specialists and eschewing the field of primary care;
  • The PCP base is shrinking at exactly the time we need it most;
  • The new Health Care legislation is heaping 37 million more Americans into the health care system and they all need a PCP

Income disparities shape medical student specialty choice Specialty and geographic distribution of the physician workforce: what influences medical student and resident choices? March 2009. Accessed January 4, 2010

It is not just “Houston” that has a problem…it is the American health care system and all Americans. Soon the waiting time for a PCP appointment will lengthen to dangerous intervals. Overworked and underpaid docs will be the norm and that isn’t good for anyone.

One solution is concierge medicine or often referred to as Direct Care. A Direct Care practice denotes an experienced primary care physician who limits his or her practices to 300 to 400 patients and works for an annual fee rather than accepting insurance payments. This allows patients to receive the care they need and deserve and PCP to practice medicine in a thorough and safe manner while achieving a reasonable earnings level.

Healthy Heart Wisdom

Finally, the heart health experts agree with grandma’s adage. Her wisdom no longer goes against the medical code. Well known for her common sense wisdom, grandma would often say that an ounce of prevention is better than a pound of cure. Anyone who has experienced an avoidable life altering event such as hospitalization due to a drinking binge, a severed toe from a whizzing lawn mower blade or a car crash while reading a text message will quickly tell you that “grandma” was right.

After much observation, investigation, and thousands of case studies the researchers believe that grandma’s philosophy holds the key to many of our current health care woes. They have proven that it is easier to prevent certain diseases than it is to cure them. Prevention has also proven to be the most effective way to reduce rising health care costs. It has become the preferred option for clinicians and patients alike. The new paradigm of preventative medicine has virtually replaced the old paradigm of disease state medicine as a first choice approach. The older approach focused primarily on the disease state,its management, and treatment.

The Centers for Disease Control and Prevention (CDC) now claim that more than 75% of our diseases are preventable or reversible. Although many of us are seeking ways to take charge of our health profiles and improve our health status, the majority still fail miserably when it comes to reducing our risk for certain cancers, heart disease, and diabetes. In our quest for a preventative lifestyle change we often find ourselves imprisoned by the shackles of habit and ignorance.

In the Ancient text, Proverbs tells us that desire without knowledge is not good. Behavioral science has demonstrated that inspiration without information leads to frustration, and ultimately failure. Because most of us don’t understand why, we often choose behaviors that are counter- preventative, and become victims who can only react to a health crisis.

To achieve a lasting preventative life style change requires a clear understanding of the urgency for change. This is means more than “knowing your numbers”. It means knowing what your uncontrollable and controllable risk factors for heart disease are. Ask your health care professional what your numbers are and what they mean. Then follow your health care professional’s advice.Let this insight into your health status(risks vs outcomes) become the motivation to make for change that is necessary and lasting.

Read This Article if You Want Health Care

Are you one of the 180 million Americans who wants Health Care? Did you know that a recent study showed that the number one concern of those seeking employment was; Health Care Benefits? Health Care benefits are a big concern, especially for families and the costs have skyrocketed for employers. In fact General Motors had considered filing bankruptcy due to the increasing health care costs dragging down its auto manufacturing division. Instead the Union and GM management made a deal to reduce some of the benefits but keep operating as usual and instead shed its under performing finance arm GMAC.

Recently The Boeing Company Aerospace workers went on strike, not over pay so much as the benefits package and a better health care program. If you are concerned about Health Care you are not alone. Small Businesses across America now know that to attract and retain the best workers they need to provide health care benefits and if they don’t many of the top potential employees simply are not interested in working there. It is an extremely important issue to Americans one which employers must address to the satisfaction of the work force, a work force, which demands health care benefits.

One trip to the doctor for a kid’s broken arm could put a family in the poor house and they know this. Drugs are not cheap either for those who have medical conditions. Health Care is something that is on everyone’s minds these days but the costs are going through the roof and many companies and families are nearing a breaking point. Think on this.

What to Do When You Go See a Chiropractor

So you had been suffering from backache for days, now, you decide that you needed a help. Chiropractors can treat neck pain, back pain, headache, and various other aches and pains that may occur within the body.

The first time you visit them, they will have to ask about your health history and general health condition so they would be able to detect the main cause of the problem and to decide about the best remedy for your condition. Prepare about 30 minutes of your time on your first visit, preceding ones will only last for about 15 minutes or less. The time however would vary depending upon the kind of treatment that your body may call for.

Here are the lists of the things that you can expect on your first visit:

o Chiropractor may ask about your personal and your family medical history

o Ask about some major illnesses that you’ve experienced in the past

o Confirm about surgeries or operations that you had

o Medications or anything that you are currently taking

o Will ask you to describe your present condition

o Steps that you performed in order to deal with your current condition

o Will ask about your diet and exercise

o Check your sleeping habits, work routine, home life, and stress level.

As simple as these questions may seem to be, they are important to the chiropractors since through these set of questions, they can obtain a thorough background of your life in the long run. Answer each question properly and truthfully, it’s for your own good after all.

Healthy Ways for Livings

Each and every youth wishes to be healthy as a muscular man, yes but indeed the muscular man consumes various proteins, vitamins, to keep themselves healthy with a huge muscles, to build this strong muscles it is impossible for the growing kids, because muscular man are the professional athletes and are grown up, Theirs body is quite different from kids.

The growing kids can be a healthy if the consumption intake is based with notorious food, over intake of food also may brings the kids into great risks, their food musts contains proteins, vitamins, likes meat, eggs, etc to builds each and every muscles stronger. The most perfects way to get proteins or vitamins is drinking of pure milks every day.

Habits of good eating are a main and a strong foundation for healthy living. Desired food or eatables through different varieties is important for that. While eating sit down, Chew your food well and eat slow, slow eating of food allow the body mechanisms, neglecting to eat food may risks in your inner spiritual side. Foods provide energy and maintaining the function of our body in bests manners do not eat the leftovers which smell a weird, the bacteria grew in the food and which means food poisonings and cause serious illness.

Kid’s can neither lifts the weight as a muscular man but can keep them healthy, kids can play, jumps, and runs etc. kids can also perform the yoga instruction, because it is a gentle movements of our body it also provides fresh air to breathe in, which make a feelings sensation of something’s different. Playing sports is also regarded as a best’s way to be healthy and also to stay fit, a person interested in games and sports knows the extra values of health, sports players are healthy and fit due to the hard works such as running, kicking, throwing, swimming etc.

Have a morning walk daily to regulate the body functions and to breathe in the fresh morning air, Don’t sleep till late because it makes our body laziness, followings of these steps in a childhood is the best way to safeguard ones in every aspect of the lives.

Bowtrol Colon Cleanse

Bowtrol is an all-natural, non-habit forming colon cleansing treatment that cleans the vital organs and the lymphatic system. Bowtrol’s action is mild and safe. Internal cleansing takes place by stimulating elimination minus the usual pangs and cramps that are characteristic of most cleansers.

One of the most interesting features of Bowtrol is that unlike other cleansers, it is not made up of fiber. Instead, it contains a number of all-natural herbal ingredients like Turkey Rhubarb and Cascara Sagrada that promote better elimination.

Some of the benefits of using Bowtrol colon cleanse are:

– Improved digestion

– Decongests the intestinal tract by flushing out accumulated toxins and eliminating parasites

– Less constipation, indigestion, gas and bloating

– Improved energy levels through better absorption of nutrients

– Aids weight loss

Some of the most common symptoms of ill health due to improper internal purification are constipation, lack of sleep, inertia, exhaustion, indigestion, uncontrolled food cravings, caffeine and drug dependence. Many of the common ailments people suffer from, including but not limited to food allergies, flu, body pain, headaches, respiratory problems and sinuses have their root in improper elimination.

In order to prevent the above conditions, it is necessary to undergo a thorough internal cleansing from time to time. While choosing a product, particular care must be taken. You must select a product that helps you eliminate without any nasty cramps. Eliminations should be regular but non-interfering, meaning that the product should induce only 1-3 eliminations per day. More than that and it begins to interfere with your life and health.

If you have used other colon cleansing products, you’ll be happy to note that Bowtrol colon cleanse is quite different from the rest. For starters, it is non habit forming, which makes it safe for long-term use for the entire family.

Another big plus is that there are absolutely no reports of side effects associated with Bowtrol. No headaches or cramps. All you have to do is identify the number of pills you need to eat (varies between 3-8) in order to have healthy elimination.

Red Flags in Choosing For Chiropractic

Having a license does not make all chiropractors competent. Like in any other arena, there are those that had luckily escaped the strict sieve of opting for a license hence they would practice their professions despite the big truth that they are extremely unworthy of it. Do not go for those people who would advertise some danger signs that may suggest the need for chiropractic care. Wake up; this is no longer the generation of the dumb!

Furthermore, try to avoid those that would ask their patience to sign a contract on lengthy treatment agreement so you could always backup when you feel that his or her particular treatment isn’t doing you any good. Beware also of those people who would promote regular “preventive” adjustments and would provide scare tactics as if your condition is something that is very grave so he or she is merely your last resort if you wish to live longer. During this case, it won’t hurt if you seek the help of other chiropractor. Do not as well go with those individual who discourage the use of scientific medical treatment like immunization and fluoridation.

Do not be fooled into believing those people who would suggest that they can cure all kinds of diseases. You can as well avoid those who would perform a routine of x-rays examination since almost all patients who seek the help of a chiropractic does not actually need them. Take caution on full spine x-ray examinations because of its large amount of radiation.