Posts tagged: health care

Nov 06 2009

Healthcare Directives: Protect Yourself

Planning for your incapacity is the only way to ensure that your health care wishes are followed in the event that you can’t speak for yourself.

While the idea of planning for your incapacitation make seem uncomfortable, it is absolutely necessary in order to avoid a much more severe situation, someone making the wrong decision for you. That is why putting your health care wishes in writing is so important. When properly executed, your health care directives protect you from receiving health care treatment that you might otherwise not agree to except for your incapacity.

The first half of the equation is executing a document referred to as a living will. This document is your written statement about your wishes regarding health care measures. The name associated with this document may vary from state to state. Sometimes, it is referred to as a health care directive. This document spells out exactly what your wishes are with regard to various types of health treatment that you may be subject to when you are incapacitated.

This document can be as detailed or general as you and your estate planning attorney decide. However, it is important to plan this document with the assistance of an attorney. That way, you can be sure you are not making any obvious or overt mistakes or omissions.

The second aspect to planning health care planning is setting up a power of attorney for health care. This legal instrument allows you to appoint another individual to make medical decisions on your behalf in the event you aren’t able to communicate your desires. Choosing the right person for this job is important as they will be making decisions about your health and treatment.

While these documents typically spring into action automatically at the time of your incapacity, sometimes your incapacity itself will be in question. In these situations, a doctor, family member, or judge may make a determination of your ability to speak for yourself. In these circumstances, there will have to be a determination made as to whether these documents will go into effect.

If your health care documents go into effect, you will still be able to override them or your agent if you are still able. Your ability to make decisions on your own behalf always trumps anything placed in the documents. Even when you are unable to make and/or communicate your interests, your agent must always try to effectuate your best interests and desires.

Having these documents prepared by a North Carolina Power of Attorney Lawyer, before you become ill, shows that you care for your family and do not wish to make a difficult time any more difficult. Learn more about North Carolina Living Wills and Powers of Attorney today.

Feb 02 2009

Meditation Provides You With a Natural Treatment for Pain

by Glenn Smith

A natural treatment for pain like meditation can guide you to ease your pain and make your life a good deal easier.

If you have been seeking a natural treatment for pain then I advise you to try meditation and learn how to alleviate pain by discovering how to relax. What a natural treatment for pain entails is that you are not putting anything in your body that stimulates it to react in a destructive way. Meditation produces the relaxation by quieting down your mind which addresses the pain signals inbound from your body.

When your mind relaxes your body in turn relaxes because your mind controls your body and it is the key factor in the treatment of pain. Meditation reduces the amount of signals coming from your brain and therefore causes your muscles and organs to calm down. A natural treatment for pain is simply learning how to calm down the nervous system in your body.

You have got two nervous systems that handle the ability to compel your body. One is named the sympathetic system and it is related with being stressed. As the sympathetic system is in operation your heart pulses faster, your blood pressure raises, your muscles contract to have you braced for battle and several other things that may hurt the body. This is contrary to a natural treatment for pain.

The other system you have is called the parasympathetic and it is associated with being totally relaxed. Meditation enrolls your parasympathetic system which calms your whole self down. It will reduce your heart rate, lower your blood pressure, relax your muscles and organs and create many other beneficial changes in your body. This is the best natural treatment for pain.

Almost all pain is just a hyperactive sensory nerve that has become stuck in an excitable state and continues informing the brain that there’s a problem. Meditation is a natural treatment for pain because it by nature lulls the mind and represses the pain signals making it from the body. How many of you would want your mind to quiet down and discontinue thinking so often?

Your mind masters your body and everything it is experiencing, including your pain. When you apply meditation as a natural treatment for pain, you’ll gain the ability to quiet your mind, and this will completely transform your life. Quietening your mind will contribute to better sleep, more get-up-and-go, a brighter expectation on life and much, much more. Utilising meditation as a natural treatment for pain has several side benefits.

Can you imagine what the world would be like if everyone was calm and peaceful? That would mean no more wars, no more fighting, no more poverty. You see if everyone used meditation as a natural treatment for pain then everyone would calm down and seek peace as the way they wished to live their lives. I sure would like to live in a world that was full of peace. How about you?

So now you know about meditation’s ability to be a natural treatment for pain and wonder how to get started. There are many forms of mediation out there and although varied in technique all lead to the same therapeutic benefits. The important point is to get yourself started because like anything in life, it takes practice to become good at it. In the immortal words of Nike, Just Do It!

Make your life history and everyone else’s greater by using meditation as a natural treatment for pain.

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Dec 18 2008

Fundamentals of Health Insurance for Non Citizens

by Ray C. Sandeo

A preferred provider organization, or PPO, is a group of doctors, hospitals and medical care providers. These hospitals and doctors provide discounted immigrant insurance billing rates to their respective insurance companies. There are both positive and negative aspects to PPO insurance plans.

Immigrant insurance that utilize PPO networks will sometimes reduce the amount of coverage provided if services are rendered by a provider outside of their respective network. For example, they may provide 100% coverage with an in-network doctor, but only 80% with a claim outside of the network. In emergency situations, the insured is not penalized for transferring to a medical facility within the network after initially going to the nearest hospital.

There are some PPO providers who will allow out of network care, but who will charge higher co-payments, the out of pocket expense, for this service. The trade-off is that in a non-PPO plan, there are no venues at which one might obtain discounted rates. In these cases, the total cost of the claim is higher for both the individual incurring the medical bill and the insurance company itself.

Immigrant insurance companies like to use preferred provider organizations because of the discounted fees they receive from the providers. Saving money on these services allows the company to insure more customers and increase general coverage amounts. Incentives are usually offered to customers for using services within the PPO.

PPO insurance plans are able to offer more coverage to insured customers for their money. Savings from reduced network discounts is passed on to customers through lower premium rates. However, lower costs are not the only advantage to using PPO insurance for non U.S. citizen.

Insurance for non US citizens with PPO networks offer a degree of convenience that consumers expect. The in-network providers are able to do direct billing. The policy-holder, essentially, has no obligations regarding billing.

Doctors, when they aren’t able to direct-bill an insurance company, will often bill the client directly. The client, then must file the claim with their insurer. PPO insurance for immigrants eliminates this.

There are many factors to consider when deciding whether or not to use a preferred provider organization. It’s a matter of personal preference, more than anything. Your needs should come first when deciding upon a non US citizen health insurance plan.

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Dec 01 2008

Obesity and the Poor

by Sara Mendez

Obesity rates among the poor reached a 147% increase in 2002 obesity according to medicinenet.com. This made those at the poverty level the fastest growing obesity group. Being obese for those at the poverty line is due to make circumstances which are out of their control. Some of the more common reasons why this group is so obese can be attributed to lack of exercise, food choices and no access to health food stores or supermarkets.

Living in government assisted housing, commonly known as “projects” are typical housing for those who are poor. The projects play host to gangs, shootings, and other more serious crimes. Many children and families report this as the number one reason they do not get out an exercise, they are too scared to be outside at all. Projects often do not have playgrounds, sidewalks or lawns where families or children can play. If there is a playground near by often it is a central meeting place for gangs and gang activity, again making it a less than ideal hang out for children or individuals looking for a place to exercise.

Many who live in government assisted housing are also on food stamps or other food assistance programs. Trying to eat healthy on food stamps is near impossible. Often those who use foods stamps have many mouths to feed and they need to stretch the money as far as it will go. One way they can make it last is by buying cheep staples such as macaroni and cheese, Cup O’Noodle and other starches such as bread or pasta. A cheep and easy dinner might be Hamburger Helper which is extremely unhealthy but food stamp shoppers don’t care, as long as it feeds their babies.

Often poor families do not buy organic foods and other food substitutes such as Egg Beaters or tofu as they are too expensive and food stamps generally do not cover expensive items when there are other alternatives such as real eggs. Many times low income families don’t even bother with a grocery list of items as there are no grocery stores anywhere near their homes and lugging $400.00 worth of groceries on a bus alone is not easy. Many do not buy fresh fruits or vegetables since one they can not afford to buy fresh produce every week and two there is no where in the inner city to buy these items.

Large cities such as New York, Chicago or Los Angles often lack a supermarket or health food store in close proximity to inner city living. Many project tenets go grocery shopping at Circle K’s or Quickie Marts since they are close to their homes. Sciencedaily.com reports one of the leading reasons for obesity among the poor is lack of grocery stores in their neighborhoods. There are no farmers markets offering organic produce or health food stores with tofu, these people get what they can at corner markets.

Being poor is no reason to let your health suffer. However when it comes to trying to better yourself or become more healthy, the odds are defiantly against you if you are in the low income bracket. It has become more important then ever to take care of yourself regardless of your income level. The rising costs of health care are not going down, and by being obese you are not part of the solution.

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Nov 28 2008

Severe Allergic Reactions are Trouble With a Capital T

by Lorna Hillier

An allergic reaction is something that most all of us are knowledgeable about. What I’m attempting to do is make you aware of the causes and seriousness of severe allergic reactions.

Allergic reactions are quite common in people where the triggers are varied and the symptoms, varied. There are some rare cases where the victim may suffer from one of the most severe allergic reactions called anaphylaxis.

Anaphylaxis is a frightening experience as the patient struggles for breath and the severe allergic reaction quickly spreads. These dangerous symptoms can result in shock, which can lead to death.

Before a particular person can experience anaphylaxis, ’sensitization’ must occur from being exposed to the trigger. What this means is the first time the person eats for example a nut, all is well, but the next time or later down the track, they may eat nuts may suffer anaphylaxis or anaphylactic shock.

Anaphylaxis usually occurs within seconds of exposure to the trigger; however sometimes it may also be delayed. Sometimes you may have been exposed numerous times to the trigger, without any reaction only to end up with anaphylaxis the next time you are exposed to the same trigger.

The immune system overreacting when it detects an alien substance in the body is responsible for anaphylaxis. The white blood cells create antibodies when responding to the antigen; and these antibodies spread throughout the bloodstream and attach to some cells of the body.

It is actually mediators, such as histamine that cause allergic reactions. Mediators are chemicals created by cells when antibodies meet with an antigen.

There are many causes or triggers for severe allergic reactions including food additives and some foods such as shellfish and nuts, medications both prescription and non prescription, dyes used in radiology procedures, blood products, transfusion of blood and venom of stinging insects. Only a minute amount of any trigger is all it takes to bring on anaphylaxis.

Severe allergic reactions can come out of the blue and attack anyone. But patients who endure eczema, hay fever and asthma are more prone to anaphylactic reactions then other people.

The most frightening life threatening crisis occurs from swelling and/or spasms in the air ways resulting in breathing difficulties leading to ’shock’ which is loss of consciousness from low blood pressure. The breathing and heart can both stop in rare cases.

If you suffer a severe allergic reaction get immediate medical attention. Don’t wait at home, head to your nearest emergency department, by ambulance if necessary.

As difficult as it may seem it is important to remain calm and try to think of the cause of this allergic reaction, while waiting for the ambulance. If your swallowing is ok take an antihistamine or better still inject yourself if you have an epinephrine kit.

The main motive of this article was to make you aware of the importance of being informed concerning severe allergic reactions and if you think that we were successful in doing that, our goal has been achieved.

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