Archive for the ‘ Health ’ Category

Finding an Alternative Health Program That Brings Lasting Health

To treat symptoms rather than causes brings no lasting results. To give a person a pain pill for pain rather than treating the cause of the pain, only gives a person some temporary relief. To cut out the part of the body that is affected, only weakens the overall function of the body. To replace parts of the body with artificial parts, does not help the body heal itself. All these methods only assure the medical profession of return customers and a continual income.

There must be a better way! There must be an alternative method that treats causes rather than symptoms. Truth is, there are many methods of health care that use non-conventional approaches to health care. They range from totally ridiculous to well thought-out scientific systems leading to ultimate health. The following are some that are based on well thought-out rational approaches that treat causes rather than symptoms. These are based on prevention as well as treatment.

I. Naturopathic Medicine

Naturopathic doctors believe the human body has an innate ability to heal itself. Naturopathic doctors (NDs) instruct their patients to use diet, exercise, lifestyle changes and cutting-edge natural therapies to aid their bodies’ ability to ward off and combat disease. They view the patient as a complex, interrelated system. They craft comprehensive treatment plans that blend the best of modern medical science and traditional natural medical approaches to treat disease, and restore health. They base their practice on six timeless principles founded on medical tradition and scientific evidence.

1. Let nature heal. Our bodies have a powerful, innate instinct for self-healing. Finding and removing the barriers to their self-healing (such as poor diet or unhealthy habits) nurtures this process.

2. Identify and treat causes. Symptoms will only return unless the root illness is addressed. Do not cover up symptoms. Finding and treating the cause of these symptoms will bring lasting healing.

3. First, do no harm. Naturopathic doctors follow three precepts to guarantee their patients’ safety:

Use low-risk procedures and healing compounds, like dietary supplements, herbal extracts and homeopathy, with few or no side effects.

When possible, do not suppress symptoms, which are the body’s efforts to self-heal.

Customize each diagnosis and treatment plan to fit each patient. No two people are alike. Each person heals differently.

4. Educate patients. Naturopathic doctors believe they must be educators, as well as physicians. They teach their patients how to eat, exercise, relax and nurture themselves physically and emotionally. They also encourage self-responsibility and work closely with each patient.

5. Treat the whole person. We all have unique physical, mental, emotional, genetic, environmental, social, sexual and spiritual makeups. The Naturopathic doctor knows that all these factors affect our health. Because of this, he or she carefully tailors the treatment strategy to address the whole person.

6. Prevent illness. They understand, “An ounce of prevention is worth a pound of cure.” To them proactive medicine saves money, pain, misery and lives. With this in mind, the naturopathic physician evaluates risk factors, heredity and vulnerability to disease. By getting treatment for greater wellness, we’re less likely to need treatment for future illness.

II. A Master Herbalist

An Herbalist is one who uses herbs to promote health. This has been the world’s primary form of medicine since the beginning of time, with a written history of over 5000 years. Unfortunately, the use of herbs for health care in America has been overshadowed by dependence on modern medications for the last 100 years. Notwithstanding, 75% of the world’s population still relies primarily upon traditional healing practices, most of which is herbal medicine.

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Top Tips For Buying Affordable Health Insurance

· First things 1st, Protect yourself

Never, Never, Never let your health insurance lapse. If your new insurance doesn’t come through or your health conditions have changed you may not be eligible for similar coverage at a similar price.

· Avoid fraudulent insurance plans

Always, Always go with a large well known company. Small or unknown insurance companies that aggressively fight for you to sign up and have lower rates than comparable plans of larger companies are a bad bad sign. They sign up thousands of individuals in good health then suddenly when people start submitting claims the insurance company starts dramatically increasing their rates. Clients in good health go elsewhere but those with health issues get stuck. The insurance company may continue increasing rates and reducing benefits leaving you stuck between a rock and a hard place.

Call your states insurance department and make sure the insurance agent and company are legitimate, and licensed in your state. Most fraudulent plans are sold over the Internet or through direct mail solicitations.

Always use a check, money order or credit card when buying a policy so that you have a record of your purchase. Never pay cash and avoid direct withdrawal and automated payments at least for several statement periods. Never make payments to the agent, only to the insurance company.

Never be pressured by “one time deals” or “last chance offers for special savings”.

· Know what your buying

Remember if it sounds too good to be true, it probably is.

When comparing health plans, check the “Exclusions” first. One of the first things an experienced agent looks at in a health insurance plan is the list of plan exclusions, or what is not covered. Often found in small print, what is not covered is equally if not more important than what is.

Comparing policies and providers is a must in today’s high cost insurance market. Using a website or agent that compares multiple providers and plans is the best way to ensure your getting the best policy for the right price, but remember if a policy is significantly cheaper, beware.

· Important notes of interest

Smoking will dramatically raise the policy prices of your health and life insurance plans.

Locking into a health insurance policy when your young will help you ensure long term affordable coverage since getting health insurance when your older, or have established medical issues is much more difficult and costly.

Having some individual health insurance is far better than having nothing at all. With no rehabilitation benefits you could lose your job, in turn losing everything you’ve worked for.

· What are your needs?

Are you planning on starting a family, and therefore in need of both maternity and child coverage, including immunizations? A problem newborn can easily accumulate $200,000 in advanced medical care. Therefore a plan with maternity benefits can shoot up costs. Overall, buy the best policy you can afford to keep.

Would you like your office and/or hospital visits included in your coverage? Do you need coverage for prescriptions? Be sure to consider your current and future needs when shopping for insurance.

Do not inquire about health insurance until you have fully evaluated your present and past medical conditions. An Individual Health Insurance Company may elect not to cover your conditions, or they may pump up the normal premium rates.

If you have serious health conditions you might try to see if Blue Cross will insure you, keep your current coverage in place if they have a 180 +- day delay for pre-existing conditions.

· How can policy rates be adjusted to be more affordable

Check to see how much lower your premium will be if you opt for a major medical plan with a $1,000, $2,500, or even $5,000 deductible.

I recently switched from an insurance plan with $1000 deductible plus 50% copay to $3500 and $30 copay per office visit. To a 1500 deductible with only 3 office visits paid for per year. I rarely go to the doctor so having to pay for my visits myself wasn’t going to cost me much and my policy was $400 less per quarter, substantially better for me at $1600 per year savings.

Note: not all individual health insurance policies are Major Medical plans. Some are hospital plans with stripped benefits, or just hospital indemnity plans which would limit the amount paid per day for hospitalization.

Check to see if the insurer has one rate for all ages, male and female. Some individual health plans base your rates on age, with females getting lower rates at certain ages, and males getting higher rates.

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