by: Beverley Brooke
Generally, weight loss surgery such as the gastric bypass will cost between $20,000 to $30,000 – the clinics do make substantial profits, which is why some you see advertised offer free chauffeurs and even airplane flights to the city and clinic. As in all lines of ‘business’, some surgeries will do all it takes to coax you there, within the law of course.
If you’ve opted for weight loss surgery, the cost of such a procedure can be quite daunting. Many people simply can’t afford the surgery without taking out huge loans which could end up crippling them financially. Is the surgery really worth the cost?
As with all major decisions in a person’s life, the benefits must be matched and compared with the cost, whether that’s emotionally, physically or financially. With weight loss surgery costing so much, it’s critical that the reasons you’re opting for the surgery are thought through extremely thorough, and in most cases discussed with your doctor.
If for example you’re suffering from a number of ailments and conditions because of morbid obesity, such as high blood pressure, heart disease, respiratory problems etc, and with the immediate health concerns morbid obesity brings – possible early death, up to 7 times the risk of death from a heart attack and all the added problems that come with it just trying to operate in society alone, you may feel the cost simply isn’t an issue, but you must work it into your current and future finances.
Thursday, July 17, 2008
Combat high blood pressure and cholesterol with soybeans
by: Nicholas Webb
You may have heard of the “Portfolio Diet” wherein it has been clinically accepted that increasing the intake of soy based foods can reduce levels of LDL cholesterol as much as some statin drugs.
Well, now it seems that soybeans have another health-giving quality: they also reduce blood pressure.
This latest finding is making quite a bit of noise in medical circles and not without reason. Can you imagine how hard the two largest drug markets (cholesterol and blood pressure) would be hit if the American Heart Association or the American College of Cardiology released a statement saying that soybeans can reduce bad cholesterol and control blood pressure? Just think about it. But that’s where it will stop; in your thoughts. With all the lobbying power of the giant pharmaceutical industry, I seriously doubt that such a statement from an internationally recognized source will ever be released.
However, to date more than 40 clinical trials have clearly shown that soya protein can reduce cholesterol in men and women. The effective dose of soy protein per day appears to range between 25 and 50 grams. Now initial studies show that it is also useful in fighting high blood pressure.
Soybean protein lowers blood pressure
In a report from the Annals of Internal Medicine (July 2005), it seems that use of soybean protein dietary supplements may help reduce high blood pressure.
Soybean products have been commonplace in Asian diets for centuries, and soybeans, as well as its derivative products have long been available in our local health stores and supermarkets. Research has shown that food items like tofu and soymilk can reduce cholesterol levels and lower risks for cancer, heart disease and osteoporosis. If we add the ability to fight high blood pressure to the list of illness and diseases that soy foods are able to combat, then we might just have a super disease killer on our hands.
In the study covered by the Annals, a group of American and Chinese researchers focused on 300 Chinese patients suffering from hypertension. One group was and given 40gms of soy protein while the second group was given wheat-based carbohydrates.
The objective of the trial was to examine the effect of soybean protein supplementation on blood pressure in persons with pre-hypertension or Stage 1 hypertension. The results showed that Soybean protein supplementation resulted in a reduction in systolic and diastolic blood pressure. As such, increased intake of soybean protein may play an important role in preventing and treating hypertension.
The researchers of Tulane University, New Orleans say it's unclear how soybean products might reduce blood pressure. One theory is that soy proteins widen blood vessels while helping the body do a better job of processing blood sugar.
In a related editorial, Dr. Jeffrey A. Cutler and Dr. Eva Obarzanek of the National Heart, Lung, and Blood Institute in Bethesda, Maryland, state that the new study provides "another important link between blood pressure and dietary macronutrient intake," but add that further studies are needed before soybean supplements can be recommended to patients with high blood pressure.
Soybeans, soymilk, tofu, bean sprouts, meat substitutes, cookies and even soy-based ice cream are all commonly available. Maybe it is better that you don’t wait for the big medical institutions to start singing praises about soybeans. If you want an edge, perhaps now is the time to start making some changes to your diet. Throw in 40 minutes exercise four times a week and your high blood pressure will really take a dive.
You may have heard of the “Portfolio Diet” wherein it has been clinically accepted that increasing the intake of soy based foods can reduce levels of LDL cholesterol as much as some statin drugs.
Well, now it seems that soybeans have another health-giving quality: they also reduce blood pressure.
This latest finding is making quite a bit of noise in medical circles and not without reason. Can you imagine how hard the two largest drug markets (cholesterol and blood pressure) would be hit if the American Heart Association or the American College of Cardiology released a statement saying that soybeans can reduce bad cholesterol and control blood pressure? Just think about it. But that’s where it will stop; in your thoughts. With all the lobbying power of the giant pharmaceutical industry, I seriously doubt that such a statement from an internationally recognized source will ever be released.
However, to date more than 40 clinical trials have clearly shown that soya protein can reduce cholesterol in men and women. The effective dose of soy protein per day appears to range between 25 and 50 grams. Now initial studies show that it is also useful in fighting high blood pressure.
Soybean protein lowers blood pressure
In a report from the Annals of Internal Medicine (July 2005), it seems that use of soybean protein dietary supplements may help reduce high blood pressure.
Soybean products have been commonplace in Asian diets for centuries, and soybeans, as well as its derivative products have long been available in our local health stores and supermarkets. Research has shown that food items like tofu and soymilk can reduce cholesterol levels and lower risks for cancer, heart disease and osteoporosis. If we add the ability to fight high blood pressure to the list of illness and diseases that soy foods are able to combat, then we might just have a super disease killer on our hands.
In the study covered by the Annals, a group of American and Chinese researchers focused on 300 Chinese patients suffering from hypertension. One group was and given 40gms of soy protein while the second group was given wheat-based carbohydrates.
The objective of the trial was to examine the effect of soybean protein supplementation on blood pressure in persons with pre-hypertension or Stage 1 hypertension. The results showed that Soybean protein supplementation resulted in a reduction in systolic and diastolic blood pressure. As such, increased intake of soybean protein may play an important role in preventing and treating hypertension.
The researchers of Tulane University, New Orleans say it's unclear how soybean products might reduce blood pressure. One theory is that soy proteins widen blood vessels while helping the body do a better job of processing blood sugar.
In a related editorial, Dr. Jeffrey A. Cutler and Dr. Eva Obarzanek of the National Heart, Lung, and Blood Institute in Bethesda, Maryland, state that the new study provides "another important link between blood pressure and dietary macronutrient intake," but add that further studies are needed before soybean supplements can be recommended to patients with high blood pressure.
Soybeans, soymilk, tofu, bean sprouts, meat substitutes, cookies and even soy-based ice cream are all commonly available. Maybe it is better that you don’t wait for the big medical institutions to start singing praises about soybeans. If you want an edge, perhaps now is the time to start making some changes to your diet. Throw in 40 minutes exercise four times a week and your high blood pressure will really take a dive.
Exercise & Diabetes
by: Jayachandran.R
The Added Benefit of Exercise in People with Diabetes
You are no doubt aware that exercise can help prevent the serious complications that often come with diabetes and heart disease. Research has repeatedly shown that regular physical activity helps reduce the likelihood of having a heart attack or a stroke, aids in weight loss, and improves mood.
But do you know that exercise can also help you reduce your blood glucose levels?
That's right. In people with type II diabetes, exercise may improve insulin sensitivity and assist in lowering elevated blood glucose levels into the normal range.
Here's how. When you exercise, your body uses more oxygen -- as much as 20 times more -- and even more in the working muscles, than when you are at rest. So the muscles use more glucose to meet their increased energy needs.
At the same time, exercise improves the action of insulin in the peripheral muscles, making it more efficient, so you get more out of the insulin your body is producing.
In older people with diabetes, the decrease in insulin sensitivity that comes with aging is also partly due to a lack of physical activity. So regular exercise benefits you now, and for years to come.
Sometimes, it may seem easier to pop a pill or even take a shot than to put on your walking shoes and hit the trail. But the truth is that exercise, in combination with a healthy diet, is one of the best things you can do to take care of yourself if you have diabetes.
Why exercise?
Exercise burns calories, which will help you lose weight or maintain a healthy weight.
Regular exercise can help your body respond to insulin and is known to be effective in managing blood glucose. Exercise can lower blood glucose and possibly reduce the amount of medication you need to treat diabetes, or even eliminate the need for medication.
Exercise can improve your circulation, especially in your arms and legs, where people with diabetes can have problems.
Exercise can help reduce your cholesterol and high blood pressure. High cholesterol and high blood pressure can lead to a heart attack or stroke.
Exercise helps reduce stress, which can raise your glucose level.
In some people, exercise combined with a meal plan, can control type II Diabetes without the need for medications.
http://www.aayurmart.com
Sources: National Diabetes Data Group. Diabetes in America, 2nd edition. NIDDK.
The Added Benefit of Exercise in People with Diabetes
You are no doubt aware that exercise can help prevent the serious complications that often come with diabetes and heart disease. Research has repeatedly shown that regular physical activity helps reduce the likelihood of having a heart attack or a stroke, aids in weight loss, and improves mood.
But do you know that exercise can also help you reduce your blood glucose levels?
That's right. In people with type II diabetes, exercise may improve insulin sensitivity and assist in lowering elevated blood glucose levels into the normal range.
Here's how. When you exercise, your body uses more oxygen -- as much as 20 times more -- and even more in the working muscles, than when you are at rest. So the muscles use more glucose to meet their increased energy needs.
At the same time, exercise improves the action of insulin in the peripheral muscles, making it more efficient, so you get more out of the insulin your body is producing.
In older people with diabetes, the decrease in insulin sensitivity that comes with aging is also partly due to a lack of physical activity. So regular exercise benefits you now, and for years to come.
Sometimes, it may seem easier to pop a pill or even take a shot than to put on your walking shoes and hit the trail. But the truth is that exercise, in combination with a healthy diet, is one of the best things you can do to take care of yourself if you have diabetes.
Why exercise?
Exercise burns calories, which will help you lose weight or maintain a healthy weight.
Regular exercise can help your body respond to insulin and is known to be effective in managing blood glucose. Exercise can lower blood glucose and possibly reduce the amount of medication you need to treat diabetes, or even eliminate the need for medication.
Exercise can improve your circulation, especially in your arms and legs, where people with diabetes can have problems.
Exercise can help reduce your cholesterol and high blood pressure. High cholesterol and high blood pressure can lead to a heart attack or stroke.
Exercise helps reduce stress, which can raise your glucose level.
In some people, exercise combined with a meal plan, can control type II Diabetes without the need for medications.
http://www.aayurmart.com
Sources: National Diabetes Data Group. Diabetes in America, 2nd edition. NIDDK.
5 Easy Steps To Help You Lose Weight
by: Amie Grelowski
When loosing weight, most of us don't have the time to drastically change our lifestyles. We need a practical and convenient way to integrate effective habits into our daily lives. The following steps are easy and practical ways to get you on the track to loosing weight and feeling better.
1. Drink Water! Water doesn't just help quench your thirst. All metabolic processes within the body utilize H2O and drinking plenty of it helps your body function optimally. It also helps you feel your best---many of the common daily headaches and fatigues we experience can result from a lack of water intake.
2. Eat Breakfast! Many Americans fail to realize the true value of a morning meal. It not only boosts energy for the long day ahead, but keeps your metabolism regulated. Skipping a meal can put the body into "survival mode" which means that it actually begins storing and saving fat as opposed to burning it.
3. Exercise! There is no easy way around it: successful and sustained weight loss requires a commitment to physical activity. The best way to be loyal to physical activity is to work it into each day. Take a small part of each day to go for a walk, do aerobics, do yoga, or whatever other type of activity you enjoy. Mix it up so that you don't get bored with it. Soon, you will not only get used to it, but you will feel better too!
4. Choose Variety! Don't let popular dieting trends fool you: Carbs are good for you too! In fact, carbohydrates are what your brain run on and are very important for proper body functions. Following a high-protein diet over a long period of time can not only cause headaches, but also places considerable stress on the kidney. The important thing is to eat a variety of foods. This includes fruits, vegetables and even carbs. Just remember to be smart about the types of carbs you eat:: whole wheat instead of white.
5. Eat Slowly! We all get in a hurry from time to time, but it is important to take the time to listen to our bodies. Eating quickly doesn't give our bodies time to tell our brains that we have eaten enough. Consequently, we continue eating and are left filling stuffed and bloated. Eating more slowly allows us to recognize when we actually have eaten enough and stop—it also helps us savour and enjoy the food we do eat.
Essential to loosing weight is giving our bodies what they need. This means drinking plenty of water, eating timely and proper meals, staying active, and giving our body the time to tell us when it is full. Our bodies will reward us for our attention.
When loosing weight, most of us don't have the time to drastically change our lifestyles. We need a practical and convenient way to integrate effective habits into our daily lives. The following steps are easy and practical ways to get you on the track to loosing weight and feeling better.
1. Drink Water! Water doesn't just help quench your thirst. All metabolic processes within the body utilize H2O and drinking plenty of it helps your body function optimally. It also helps you feel your best---many of the common daily headaches and fatigues we experience can result from a lack of water intake.
2. Eat Breakfast! Many Americans fail to realize the true value of a morning meal. It not only boosts energy for the long day ahead, but keeps your metabolism regulated. Skipping a meal can put the body into "survival mode" which means that it actually begins storing and saving fat as opposed to burning it.
3. Exercise! There is no easy way around it: successful and sustained weight loss requires a commitment to physical activity. The best way to be loyal to physical activity is to work it into each day. Take a small part of each day to go for a walk, do aerobics, do yoga, or whatever other type of activity you enjoy. Mix it up so that you don't get bored with it. Soon, you will not only get used to it, but you will feel better too!
4. Choose Variety! Don't let popular dieting trends fool you: Carbs are good for you too! In fact, carbohydrates are what your brain run on and are very important for proper body functions. Following a high-protein diet over a long period of time can not only cause headaches, but also places considerable stress on the kidney. The important thing is to eat a variety of foods. This includes fruits, vegetables and even carbs. Just remember to be smart about the types of carbs you eat:: whole wheat instead of white.
5. Eat Slowly! We all get in a hurry from time to time, but it is important to take the time to listen to our bodies. Eating quickly doesn't give our bodies time to tell our brains that we have eaten enough. Consequently, we continue eating and are left filling stuffed and bloated. Eating more slowly allows us to recognize when we actually have eaten enough and stop—it also helps us savour and enjoy the food we do eat.
Essential to loosing weight is giving our bodies what they need. This means drinking plenty of water, eating timely and proper meals, staying active, and giving our body the time to tell us when it is full. Our bodies will reward us for our attention.
Sex During Pregnancy
by: Beverley Brooke
It is important that you nourish your relationship as much as your nourish your unborn child during pregnancy. Most women find that their bodies grow large and unwieldy during pregnancy. Many women are surprised to find that their sex drive actually increases during pregnancy, particularly during the second trimester. This is due to the increased amount of blood that is coursing through your pelvis and vagina.
Is Sex Safe During Pregnancy?
Sex is safe during pregnancy provided you have a low risk pregnancy with few complications. Your doctor will let you know if you should avoid sex for any reason at all. Most women can enjoy a healthy and fulfilling intimate relationship throughout their pregnancy, right up until their delivery date.
Will I Enjoy Sex During Pregnancy?
Surprisingly, many women find that they are more sexually aroused during their second trimester than they were prior to pregnancy. The increased blood flow to the vaginal and a woman’s growing bosom often results in a heightened sense of self and sexual arousal.
Most women will shy away from sexual relations during their first trimester when morning sickness and fatigue often get in the way of love making. During the third trimester, some women find themselves uncomfortably large and prefer not to be intimate, whereas others continue having intercourse right up until they go into labor.
Will Sex Hurt the Baby?
One of the most common concerns of fathers to be is that sex will hurt the baby. Some men are afraid that they will bump into the baby when they have sex. By and large however this concern is unfounded. If your husband is overly concerned about having sex during pregnancy, have him join you at your prenatal visits. A little reassurance from your physician that he will not hurt or bump into the baby may be all your husband needs.
Partners often react very individually when it comes to sex and pregnancy. While some men find the site of their wife’s blossoming body a true turn on, others are ambivalent or even a little turned off by pregnancy. It is important that you are open, honest and communicative with your partner about your needs during pregnancy, and try not to take any emotions your partner may be feeling personally.
Remember that pregnancy is often an emotional roller coaster, and your husband or partner may be more concerned that you might react differently, or may be scared of the idea of having a family in general. Some men have a difficult time being intimate with their wives even when they recognize that they will not harm the baby, because they feel another presence is in the room.
That said, many men and women have remarkable sexual relationships throughout their pregnancy. Even if you do not engage in intercourse with your husband, it is important that the two of you work on nurturing your relationship throughout your pregnancy. Foot rubs, kissing, back rubs and holding hands are all excellent ways to share some intimacy without actually engaging in intercourse.
The best way you can ensure that you and your partner remain close during your pregnancy is to check in with your partner on occasion. Inform them of your needs, let them know where you are coming from and what you need or want from them.
Positioning
If you and your partner are interested in maintaining a healthy sexual relationship during pregnancy, then undoubtedly you must be wondering what positions will work best for you as your belly grows and expands. The best thing you can do during your pregnancy is keep an open mind and be creative. Most women will find that it is uncomfortable to enjoy sex in a missionary position after about the first or mid second trimester. Try flipping over, woman on top and even lying next to one another during your pregnancy.
It is important that you nourish your relationship as much as your nourish your unborn child during pregnancy. Most women find that their bodies grow large and unwieldy during pregnancy. Many women are surprised to find that their sex drive actually increases during pregnancy, particularly during the second trimester. This is due to the increased amount of blood that is coursing through your pelvis and vagina.
Is Sex Safe During Pregnancy?
Sex is safe during pregnancy provided you have a low risk pregnancy with few complications. Your doctor will let you know if you should avoid sex for any reason at all. Most women can enjoy a healthy and fulfilling intimate relationship throughout their pregnancy, right up until their delivery date.
Will I Enjoy Sex During Pregnancy?
Surprisingly, many women find that they are more sexually aroused during their second trimester than they were prior to pregnancy. The increased blood flow to the vaginal and a woman’s growing bosom often results in a heightened sense of self and sexual arousal.
Most women will shy away from sexual relations during their first trimester when morning sickness and fatigue often get in the way of love making. During the third trimester, some women find themselves uncomfortably large and prefer not to be intimate, whereas others continue having intercourse right up until they go into labor.
Will Sex Hurt the Baby?
One of the most common concerns of fathers to be is that sex will hurt the baby. Some men are afraid that they will bump into the baby when they have sex. By and large however this concern is unfounded. If your husband is overly concerned about having sex during pregnancy, have him join you at your prenatal visits. A little reassurance from your physician that he will not hurt or bump into the baby may be all your husband needs.
Partners often react very individually when it comes to sex and pregnancy. While some men find the site of their wife’s blossoming body a true turn on, others are ambivalent or even a little turned off by pregnancy. It is important that you are open, honest and communicative with your partner about your needs during pregnancy, and try not to take any emotions your partner may be feeling personally.
Remember that pregnancy is often an emotional roller coaster, and your husband or partner may be more concerned that you might react differently, or may be scared of the idea of having a family in general. Some men have a difficult time being intimate with their wives even when they recognize that they will not harm the baby, because they feel another presence is in the room.
That said, many men and women have remarkable sexual relationships throughout their pregnancy. Even if you do not engage in intercourse with your husband, it is important that the two of you work on nurturing your relationship throughout your pregnancy. Foot rubs, kissing, back rubs and holding hands are all excellent ways to share some intimacy without actually engaging in intercourse.
The best way you can ensure that you and your partner remain close during your pregnancy is to check in with your partner on occasion. Inform them of your needs, let them know where you are coming from and what you need or want from them.
Positioning
If you and your partner are interested in maintaining a healthy sexual relationship during pregnancy, then undoubtedly you must be wondering what positions will work best for you as your belly grows and expands. The best thing you can do during your pregnancy is keep an open mind and be creative. Most women will find that it is uncomfortable to enjoy sex in a missionary position after about the first or mid second trimester. Try flipping over, woman on top and even lying next to one another during your pregnancy.
Lose Weight - Do You Really Need To?
by: Gerald Meyer
If you are overweight, you may be more at risk of developing disease. That should be reason enough to lose weight. Weight related conditions include:
Premature death
Cardiovascular disease
High blood pressure
High Cholesterol
Stroke
Gallbladder Disease
Osteoarthritis
Sleep apnea and breathing problems
Some cancers
Diabetes
Obesity can also cause irregular periods, complication with pregnancy, hirsutism (excessive body and facial hair), incontinence, depression, surgery complications and more.
If your health doesn't concern you, maybe your pocketbook does. By staying overweight, you may increase the amount of time spent visiting various healthcare professionals. Most of them don't work for free. Medications to treat these diseases can run into hundreds of dollars a month. Not to mention, you may have to take more time off work to care for your ailments. This means less income for you. And, you may notice that your health insurance premiums keep going up. It's because the amount being spent on healthcare keeps going up. A majority of which is related to treating problems that could be prevented by exercise and staying at a healthy weight. What a vicious cycle it is.
The annual cost associated with obesity and being overweight is staggering. The national cost of healthcare related to this is well over $100 Billion dollars. Diabetes and heart disease are among the fastest growing diseases that could easily be prevented in most people by staying at a healthy weight and exercising. Visit the NIDDK to get a breakdown of the costs associated with each disease that is related to being overweight.
By losing weight and starting a healthier way of life you can really save a lot of money. Eating healthier usually also means eating less. You may be able to save on the amount you spend on groceries and eating out each week too. Think of all the other things you could do with that money you'll be saving. It may require an initial investment to get the weight off but the rewards are well worth it.
If you are overweight, you may be more at risk of developing disease. That should be reason enough to lose weight. Weight related conditions include:
Premature death
Cardiovascular disease
High blood pressure
High Cholesterol
Stroke
Gallbladder Disease
Osteoarthritis
Sleep apnea and breathing problems
Some cancers
Diabetes
Obesity can also cause irregular periods, complication with pregnancy, hirsutism (excessive body and facial hair), incontinence, depression, surgery complications and more.
If your health doesn't concern you, maybe your pocketbook does. By staying overweight, you may increase the amount of time spent visiting various healthcare professionals. Most of them don't work for free. Medications to treat these diseases can run into hundreds of dollars a month. Not to mention, you may have to take more time off work to care for your ailments. This means less income for you. And, you may notice that your health insurance premiums keep going up. It's because the amount being spent on healthcare keeps going up. A majority of which is related to treating problems that could be prevented by exercise and staying at a healthy weight. What a vicious cycle it is.
The annual cost associated with obesity and being overweight is staggering. The national cost of healthcare related to this is well over $100 Billion dollars. Diabetes and heart disease are among the fastest growing diseases that could easily be prevented in most people by staying at a healthy weight and exercising. Visit the NIDDK to get a breakdown of the costs associated with each disease that is related to being overweight.
By losing weight and starting a healthier way of life you can really save a lot of money. Eating healthier usually also means eating less. You may be able to save on the amount you spend on groceries and eating out each week too. Think of all the other things you could do with that money you'll be saving. It may require an initial investment to get the weight off but the rewards are well worth it.
Health Insurance - Are You Covered?
by: Jeff Lakie
With the ever-increasing cost of health care, procedures and medicines, it's no wonder that the cost of health insurance has also dramatically risen over the past few years. But as that's happened, insurance companies and the government have seen the potential negative impact of families and individuals without insurance. There are some things you can do if you don't have health insurance.
A federal mandate requires that all 50 states have a health insurance program for children. Each state was allowed to create a plan tailored to the needs of children in that state, but there are some things that are the same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income guidelines. These health insurance programs have income requirements, but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other health insurance. That differs from most programs in a very important way. Most programs say that if the family has access to insurance, they aren't eligible. That means that parents who have employer-based insurance don't qualify. But many of the employer-based plans are too expensive, and workers sometimes simply can't afford the premiums. This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some great benefits for those who qualify. Some states offer mental health benefits, transportation to and from appointments and dental/vision benefits.
If your children don't qualify for this program, or if you're in the market for individual health insurance for an adult or private insurance for a family, you have some options. Even though insurance is typically very expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and increase deductibles to lower the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more affordable general health insurance plans. Basic coverage will likely be less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-based insurance, you might find a better deal elsewhere (depending on the amount of employer participation). Look to professional groups for discounts and advice.
With the ever-increasing cost of health care, procedures and medicines, it's no wonder that the cost of health insurance has also dramatically risen over the past few years. But as that's happened, insurance companies and the government have seen the potential negative impact of families and individuals without insurance. There are some things you can do if you don't have health insurance.
A federal mandate requires that all 50 states have a health insurance program for children. Each state was allowed to create a plan tailored to the needs of children in that state, but there are some things that are the same from one state to the next. The first is eligibility.
Government funded health programs typically have very stringent income guidelines. These health insurance programs have income requirements, but the criteria allow higher income than most programs.
Another criteria for participation is that the child isn't covered by any other health insurance. That differs from most programs in a very important way. Most programs say that if the family has access to insurance, they aren't eligible. That means that parents who have employer-based insurance don't qualify. But many of the employer-based plans are too expensive, and workers sometimes simply can't afford the premiums. This program is designed to help fill that gap.
These programs don't cover families - only children. But there are some great benefits for those who qualify. Some states offer mental health benefits, transportation to and from appointments and dental/vision benefits.
If your children don't qualify for this program, or if you're in the market for individual health insurance for an adult or private insurance for a family, you have some options. Even though insurance is typically very expensive, you can take some steps to control costs.
You can eliminate extras such as vision and dental coverage, and increase deductibles to lower the cost of your insurance premiums. Look for policies that don't include maternity benefits and cancer plans as more affordable general health insurance plans. Basic coverage will likely be less expensive than an all-inclusive health insurance program.
Finally, shop before you make a decision. Even if you're offered employer-based insurance, you might find a better deal elsewhere (depending on the amount of employer participation). Look to professional groups for discounts and advice.
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