Health Insurance Facts to Know

How can health insurance help you out? Being an investment, it is imperative that people prioritize this expense along with many other financial liabilities. Health insurance coverage should be there to support you and your family in times when you need immediate health care. Think of it as a nest egg where you can get funds from to pay for the various costs of medical treatment, hospitalization, medication, and more.

There are various types of health insurance plans that you can obtain, and there is an evenly innumerable number of firms that offer such services. It can be a little challenging to choose one that is right for your budget, as well as tailor made to suit your health needs. Note that you do not have to spend a fortune to be able to get insurance coverage. There are ways by which you can earn discounts and save, while at the same time receiving quality and reliable services from your insurance provider. All it takes is the right knowledge to be able to evaluate your health insurance priorities and lock down your choice of provider.

In line with this, this article presents some interesting statistics that you might want to keep in mind regarding health insurance plans in the United States. Knowing these important notes will help you make a wise decision with regards to choosing a plan for you and your family. Mentioned here is also vital news regarding the direction that the health insurance system in the US is headed.

How many people in the United States are without health insurance? Regardless of how important it is to be covered, there is a significant percentage of the population who has no resources to obtain their needed health policies. As the Centers for Disease Control and Prevention (CDC) reports, about 45 million people in the US have no health insurance. And that translates to roughly 15 percent of the population. The Hispanics have the most number of uninsured children and adults, which is about 32 percent of the total Hispanic population. On the other hand, 19 percent of the total African American population does not have health insurance, and around 10 percent of all whites are uninsured as well.

If you are interested to know, there are specific states that contribute the most to the uninsured adult statistics in the country. If approximately 20 percent of Americans agreed 19 to 64 have no form of health insurance, which states significantly add to that number? To be more precise, Texas and New Mexico have almost a third of the total aged 19 to 64 population uninsured. On the other end of the spectrum, Massachusetts has the least number of uninsured adults in that age group, with only about 10 percent accounted by the Kaiser Health Foundation statistics.

How many children in the US are without any form of health insurance? This age group is considered as the minor group, consisting of children aged 18 and below. The CDC stated in a 2007 report that about 10 percent of the total minor population does not have health insurance. That means that there are 7 million children out there who may not be able to get afford medical treatment. Which states have the most number of uninsured children? The Kaiser Health Foundation accounts that Texas ranks at the top of the list, with about 22 percent of the ages 0 to 18 population having no health insurance. Massachusetts is still the state with the least number of uninsured children, with only about 5 percent having no coverage.

In terms of the performance of insurance companies in the country, which are the ones that write the most number of health policies? As of the year 2007, the National Association of Insurance Commissioners reports ten of the largest insurance firms in the US, with respect to their market shares. Topping that list with approximately 12 percent of the market share is the UnitedHealth Group. Second is WellPoint, Inc., having almost 10 percent of the market share. The third largest with 7.7 percent market share is the Kaiser Family Foundation. Blue Cross, which is among the oldest health insurance providers in the country, ranks ninth, with a market share of 1.7 percent.

On a final note, what the American government intends to do in response to the ever growing health insurance needs of the country? Among the highest priorities of the new Obama administration is to focus on revamping and further developing the health insurance system in the US. About $ 150 billion is expected to be allotted for provision of more accessible and more affordable health insurance options for the population. In line with the recession which led to the loss of over 7 million jobs, $ 25 billion will be used to cover …

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Lower Health Insurance Rates – Lifestyle Issues That Affect Them

A healthy lifestyle will always attract lower health insurance rates.

The quality of your diet will eventually affect your health insurance rate. You will do well to stick with the right diet for you if you want to live a healthy life and pay lower health insurance rates.

Apart from your diet, your commitment to regular exercise will help you live better and also historically get you lower health insurance rates.

If you drink then your health insurance rates will be higher than a similar profile that does not. Heavy drinking makes you a bad risk and there before you get higher health insurance rates. Many health conditions can be traced to drinking.

How much alcohol would be harmful to you as a person? I can not really say as there are people who can take a bottle of dry gin and still be okay while some will take just half a glass and things start going wrong.

But here's what I'm sure of: Staying away from alcohol totally will do you a world of good. For those who can not abstain totally, do your best to drink responsibly.

It's just that for most people drinking responsibly is even more difficult than total abstinence. There are organizations that are out to help alcoholics and heavy drinkers quit drinking. Just ask about them.

You will lower your health insurance rate by a huge margin if you can shop around using quotes sites and do proper comparison. Visiting not less than three quotes sites raise the chances that you would make more savings. This is because offers not represented by one site will be represented by another.

And because the likelihood of receiving lower health insurance quotes has to do with the range of quotes you receive, the more insurers you get quotes from, the brighter your chances. This offers you a broader basis for doing more thorough comparisons thatby increasing your chances of getting more for less.

Source by Chimezirim Chinechem Odimba

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Affordable Private Health Insurance Tips

Private health insurance UK providers continue to play a critical role. Hospitals whether private or public will accept only patients who are covered by a health insurance plan. Choosing to do it privately is not always the cheapest option but, it is possible to employ tips that can fully work in finding you an excellent deal in this regard. These pointers are geared to help you find a good private health insurance plan.

* First, do not choose a comprehensive health plan. The main types of plans offered are two and apart from the comprehensive option, you need to choose the private health insurance standard plan. The following are the major components that constitute this standard plan.

1. Health care online

2. Lab tests

3. Physiotherapy treatments

4. Basic care

5. In-patient and outpatient treatment

6. Home nursing

Going it this way guarantees saving more money compared to the comprehensive option. It is important to know the various terms that this standard plan also goes by as sold by different insurance companies. It is also called PrimeCare, Saver or Assure among others.

* Another tip when buying private health insurance is to compare prices, offers and discounts. It is to your advantage that there are countless private insurers who are looking to get customers like you. Take time before making a decision and go with insurers who have attractive offers that add value.

You should expect nothing less than handsome packages that sound excellent. With this in mind, read testimonials or reviews to make sure that companies do not just sound good but rather are authentic with actual offers on private insurance plans and policies. Patient Choice is a good directory to help you compare insurers in the UK.

* Another simple tip that can save you lots of heartache and time is recommendation by family and friends. Ask around and get to know the merits of different policies in private health care.

* Remember to always read the fine print of insurance policies. Terms and conditions are particularly important and those who do not wish to get rude surprises need to carefully read all text. Have on fingertips the list of benefits that will be covered.

Be careful on the terms that speak of pre-existing health conditions. It is only if you meet the requirements that the private health insurance cover can be processed. Many are the pointers to be included but the above are basic.

Source by Emma Wanjiku

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Vista Health Care Florida Health Insurance Company Review

Vista Health Care is a Florida insurance company and a subsidiary of Coventry Health Inc. Vista Health Care Company provides health benefits to its over 300,000 individual members and over 10,000 large and small business group plan members. The company employs over 950 employees, all of whom assist Vista in meeting its mission to provide health coverage that offers the best overall value for their customers.

The company which has its headquarters in Hollywood boasts annual revenue of one billion dollars. Vista Health Care also has offices in Miami, Tallahassee, Lake Worth, and Sunrise. Members of Vista Health Care are presented with a large range of independent health care providers to choose from- over 6000 in fact. You can rest assured that you will be able to get prompt customer service as this department is open ten hours a day, 5 days a week. Currently Vista only offers coverage in the South and North Florida areas.

Vista Florida Health Insurance Coverage Overview

Vista Health Care Company offers a wide variety of plans to its members. Plans offered include HMO, POS, PPO, Medicare, Medicaid, and Florida Healthy Kids. Vista is accredited by the Accreditation Association for Ambulatory Health Care (AAAHC), which means that the company has undergone and passed various nationally set standards (i.e. how it communicates with members, grievance resolution, etc.) for quality and access to health care.

No matter your group or individual selection of insurance you will be pleased with the wide variety of services and coverage options these plans offer. Most plans offer a selection of over 6000 physicians and include dental and vision coverage. Your co-payments are fixed and customers have the almost unheard luxury of coverage of preventative health care such as yoga classes and massage therapy.

As an example of the innovation of this company, as part of almost all of their Florida health insurance plans, you are eligible to receive a discount at the 500 different health clubs throughout the state that participate in the discount program. Members also have access to an e-program that assist them with important health concerns such as quitting smoking, and wealth of online and personal wellness tools to ensure that you achieve the best health possible.

The Medicare plan offers benefit options that are not available under original Medicare. Participants will pay nothing for visits to the doctor or for generic prescriptions. There is also no limit to the amount of generic prescriptions that are available for purchase.

Vista’s Florida Customer Service Record

Vista Health Care Company offers its individual and group members unparalleled insurance selection and customer service. Their commitment to your family’s overall well being and health along with the health and well being of their surrounding community makes them a leading choice in Florida health insurance.

Source by James J. Robinson

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Some Of The Most Important Global Health Products

Some of the important health products that are needed globally include the following Vaccinations. Vaccinations are vital especially for children. Some of the diseases children are immunized against include hepatitis A, Meningococcal disease and chicken pox.

Vaccines are vital global health products that need to be readily available in health centers. Dipheria, polio, measles, mumps, Rubella and tetanus vaccines are other of the important vaccinations that need to be readily available for the children in rural as well as the urban settings.

Different vaccines are administered at different ages. Some of these immunizations will have mild side effects on the child such as a fever and soreness at the point where the shot was given. Some severe side effects can include neurological damage, cancer and even death. This can be as a result of vaccination with vaccines containing toxic substances such as mercury and aluminum phosphate.

Condoms. When used correctly and consistently, condoms are sure ways to prevent against sexually transmitted diseases. These are crucial global health products which their use is being highly advised in effort to control HIV/AIDS. Condoms are available for both men and women with various sizes, shapes and flavors. Some are lubricated to make it more comfortable during use.

Condoms have been made available for free in among others, institutions such as schools to encourage safe sex among students. Although it has been questioned that making condoms easily accessible will make the students feel more prone to having sex. However, according to the World Health Organization, the provision of sex education, condoms and counseling does not mean that the children will initiate sexual relationships. Access to these and may other essential global health products is being checked by not only the government but non governmental organizations as well.

According to the World Health Organizations’ World’s malaria report for 2010, 2.23% of deaths throughout the world were as a result of malaria. Drugs to treat conditions such as malaria are global health products that sometimes lack in some areas especially those living in poverty. The lack of these medications results to deaths especially among children and expectant women. Malaria can also be prevented using medicines such as malarone and chloroquine. It can also be prevented by sleeping under a treated mosquito net. WHO has however noted progress in fighting against malaria with more than 50% reduction in malaria cases in 43 countries over the past decade.

Source by Emma Wanjiku

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What Are The 5 Healthy Foods for Your Baby?

Do you know that babies do not have to eat rice cereal as a first food?

The first taste of solid food a baby should have is a single ingredient, a food that is appropriate for their age. According to pediatricians, there are extremely good choices for first foods for babies such as the tasty and creamy avocados, sweet potatoes, and bananas. These nutritious foods are really great first foods for babies. These foods are easy to digest, full of vitamins, minerals, fats, and other nutrients that a baby needs.

Is your baby ready for solid foods?

Babies have small tummies, and because of that, they do not eat much. It is very important to make sure that the foods they take in are nutritious. There are many baby-friendly foods in the market, but some stand out in the pack. These culinary superheroes are filled with necessary nutrients, affordable cost, effortless to prepare, and appetizing. Here are the top 5 healthy and delicious foods for babies from 4 to 8 months old:

– Avocados – sometimes, avocados are thought of as a vegetable, but they are actually a fruit. Avocados contain everything a person needs to survive. Avocados are a rich source of monounsaturated fat, a good type of fat that helps in preventing heart disease and babies need it for the development of the brain. The fat composition of avocados is somewhat similar to breast milk. Avocado may be offered to babies as early as 4 – 6 months old. It is a wonderful first food for babies. Serve fresh, mashed avocados as baby's first food instead of refined cereals.

– Sweet potatoes – sweet potatoes are said to be a great source of potassium, fiber, vitamin C, and of beta-carotene, antioxidants that prevent cancer and free radicals. Sweet potatoes are rich in vitamin A, calcium, folate, and vitamin E too. Babies prefer to eat sweet potatoes compared to vegetables because of its naturally sweet taste. Potatoes are easy to eat even for babies who are just starting the transition to solid foods.

– Bananas – bananas are full of potassium that contributes to healthy blood pressure and healthy heart functions, and also fiber that supports a healthy digestive tract. Bananas are also high in vitamin C, vitamin B6, and vitamin B2. Bananas are perfectly portable and are easy to peel. They can be introduced to your baby as early as 4 months old. When serving bananas to a young baby, see to it that it is ripe and thoroughly mashed. Older babies can eat chopped bananas as finger foods, but they should also be ripe.

– Apples – apples contains the two types of fiber: the insoluble fiber and the soluble fiber. Both fibers contain pectin that helps in maintaining regular bowel. Apple promotes cardiovascular health, lung health, prostate, liver, and colon health, as well as bone health. Apples are easy to prepare, easy to digest, and very nutritious. Apples should be peeled for babies under 8 months of age.

– Squash – squash is rich in vitamin A and C. It is naturally sweet and has a creamy texture. It is a wonderful first food for the baby and is also rich in calcium. Squash may be offered for babies from 4 to 6 months old. The best way to cook squash for baby is to bake or to roast it.

Introducing solid foods to your baby is a huge stone that will serve as the foundation for healthy eating habits. They will probably eat 1/2 of a tablespoon portion of food the first time you introduce solid food. Always remember that breast milk / infant formula are providing for the total nutrition of your baby at this early stage.

Source by Guy Snir

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Understanding Health Insurance in Virginia

Health insurance remains one of the most talked about topics when it comes to products that are indispensable for residents of Virginia. With continued increase in healthcare costs, the importance of health insurance plans keeps increasing.

It goes without saying that residents of Virginia without insurance coverage are at a greater risk of experiencing financial insecurity during illness or injury. No doubt health insurance plans involve costs but affordable health policies are easily available and with the implementation of healthcare reforms, lots of options will be available to the Virginians.

Traditional indemnity insurance plans in Virginia

Traditionally, indemnity health insurance plans in Virginia offer reimbursement against the claims made by an insured person. The level of coverage provided by these plans could vary from basic to comprehensive depending upon the needs of the insured person. Accordingly, the costs of the health plans vary-premiums, deductibles, copays and coinsurance, etc.

Managed health care plans in Virginia

Unlike indemnity health plans, managed care health insurance plans involve a group of medical providers that offer comprehensive medical services. They are called preferred or participating providers.

There are basically three managed care options:

• Health Maintenance Organization or HMO

HMOs allow the insured person to select a primary care physician from the plan’s list of medical service providers. If it is necessary, the primary care physician will refer the insured person to a specialist.

• Preferred Provider Organization or PPO

PPOs allow the members to avail large medical care network. At a slightly higher cost, a PPO generally allows its members to receive care outside its network of providers

• Point of Service feature or POS

POS medical plans are special types of HMOs that allow the members to select a non-network provider at a slightly higher cost.

Impact of the Affordable Care Act of health insurance in Virginia

• Around 109,000 small businesses in Virginia will be helped with tax credit.

• Medicare beneficiaries will be mailed a check automatically to defray the costs of their prescription drugs.

• Early retirees would be provided options for reinsurance.

• $113 million federal dollars will be made available to Virginia starting July 1 to provide coverage for people with pre-existing conditions.

• With the new Act, Virginia enjoys the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status, for the very first time.

• 4.7 million people in Virginia with private insurance won’t have to worry about lifetime limits on the coverage.

• 344,000 individuals will not have to worry about to get dropped from insurance policies when they get sick.

• Children would be able to stay in their family health insurance policy till the age of 26 years.

What to look for while buying affordable health plans in Virginia

• Virginians should note what is the maximum coverage level offered in the health insurance plan. This should be the prime deciding factor.

• The second point should be the costs involved in a health plan. This could include premiums, deductibles, copays and coinsurance. Consumers can adjust these costs as per their budget.

• Virginians should make sure, if needed, that the health insurance plan offers prescription drug coverage, doctor visits and hospitalization benefits. There is no need to buy a health plan if it does not offer such coverage benefits given that consumers need them.

• A High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) is a very good option to make sure that consumers get affordable health plans. Virginians should check about this.

• Virginians, who need to see a specialist, should make sure that the health insurance plan does not require them to get referrals.

• An affordable health insurance plan should have an easy reimbursement procedure. Virginians should make sure that they do not buy from such companies whose reimbursement process is too much complicated. Such plans could actually waste a lot of money and time.

Source by Alen Lisa David

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10 Most Important Things You Want In Health Insurance

Buying health insurance does not have to be complicated. Indeed, many people feel over whelmed when they look at an insurance brochure. In order to help simplify the process here are ten things you should look for when shopping for a health insurance policy.

  • 1. Amount of your deductible. This is the dollar amount you pay up front for medical services before the policy begins paying any benefits. If the coverage is to be for more than one family member check to see if everyone to be covered has an individual deductible or if everyone is covered under just one deductible. If there is a deductible for each person on the policy, most companies will set a maximum of three people who must meet the deductible. After that, they will consider the year's deductible to be satisfied. Usually, the higher the deductible you choose is reflected in the cost of the premium. You would pay more for a deductible of $ 500 than for, say, $ 1500.
  • 2. The amount of your out-of-pocket expense. This is the dollar amount of what you will have to pay before your insurance policy will begin paying 100% of your medical expenses. This is tied directly to the amount of deductible you have chosen since some policies do not include the deductible in the maximum out of pocket.
  • 3. The cost of prescription drugs is, sometimes, one of the first things that people look for in a health insurance policy. Many companies will include a discount prescription drug card with the policy at no additional cost. However, if you want a set price (called co-pay amount) for generic and brand name drugs, you will have to pay for this type of prescription plan. Also, there may or may not be a separate prescription drug deductible you must meet annually before your co-pay for prescriptions takes effect.
  • 4. Your co-insurance amount will also affect the cost of your promotions. It is also part of your out-of-pocket expenses. If, for instance, you are willing to pay 50% of the first $ 10,000 of medical expenses then your premiums will be lower than if you are only willing to pay 80% of the first $ 5,000 of expenses. This co-insurance is usually shown in brochures as 50/50 or 80/20, respectfully, and will show the dollar amount to which the percentage applies.
  • 5. Since many emergencies involve the use of an ambulance, you need to know if your policy covers ambulance fees. You should also note if there is annual cap on what the policy pays for ambulance use and if it will cover both ground and air service.
  • 6. Since most policies require the use of a Preferred Provider Organizations (PPO), you should be sure your doctor, hospital or other medical service provider is a member of the PPO. This is shown in the brochures as "in network" and "out of network" coverage. Policies that do not require you to use a PPO are called indemnity policies. As a general rule, but not always, you will pay more for an indemnity policy. Some indemnity policies have a PPO which you can still use, however, in order to help you limit the cost of your medical expenses.
  • 7. Look over the list of exclusions very carefully because this tells you specifically what the policy will not cover. Most health insurance companies will not pay benefits for cosmetic surgery, for example, or benefits related to sex change. The list of what is not covered is usually the last page of your brochure.
  • 8. Also under the exclusions you will find the company's policy on "pre-existing conditions". If, for example, you have been treated for high blood pressure in the last twelve months, the company may not cover anything related to that until you have had the policy for six to twelve months. Some states have set time limits on how long the insurance companies can make you wait for coverage of pre-existing conditions.
  • 9. If you are changing insurance companies, there is also something you should look for under pre-existing conditions. You should see if you will be given credit for any money already spent for medical expenses that would have been covered by your existing insurance company. Many companies will give credit for up to four months of expenses you may have already accrued.
  • 10. Check to see if there are "wellness benefits" for you and your family. Many plans will pay for an annual physical after you've had the policy for a year. Likewise, many plans will pay for children's immunization shots or to help you quit smoking or lose weight.

These are just a few of the items should take note of when shopping for health insurance. You may also want to check the maximum amount …

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Health Care and Health Insurance Reform Options Now Being Discussed

Every election year, candidates make promises of sweeping health care and health insurance reform. The proposals this year cover a lot of territory. It is important to understand what some of the very specific projected changes might mean to average Americans.

Currently, prescription costs are among the most important reasons for choosing one health insurance policy over another. One of the hot button issues this year is the fact that Americans are paying far too much for prescription drugs. Both candidates are looking for way to fight these high costs.

Another facet of health insurance that is in the news is transparency of health care costs. This means that when you get your hospital bills, there should be an itemized list of what the actual costs were of the supplies and procedures. Both you and your health insurance company will need to know these facts to prevent being overcharged.

It is important to the presidential candidates this year to deal with malpractice issues between doctors and patients. Health insurance pays for the normal cost of procedures, but when something goes wrong, lawsuits often determine if malpractice insurance will pay. To these candidates, the key is in making it easier to meet the patient’s needs without malpractice suits.

Portability is a buzzword this year as well. Health insurance, according to both candidates, needs to be able to follow a person wherever they go. If they move from job to job, the health insurance should follow along. The worker should not have to start over, dealing with issues like pre-existing conditions and finding the right insurance all over again.

Chronic care has become one of the most widespread health insurance issues of all. About three-fourths of health insurance claims have to do with chronic and long lasting illnesses and diseases. The presidential candidates are determined to address this issue with a focus on better treatment and prevention.

Both candidates agree that both health insurance and the health care industry itself will thrive on improved information technology. It is interesting that many health insurance companies have worked to have top-notch information systems already. These proposed measures would only make it easier for the companies who are now doing their part.

However, the presidential candidates do not agree on what all the important issues are this election year. For instance, McCain wants to help middle class Americans with a $5000 tax credit per family and focus on Health Savings Plans more than health insurance. Obama has many plans such as better health insurance for the mentally ill, and research into AIDS and other devastating illnesses.

There are similarities in the subjects of both presidential candidates’ plans this year. It is important to learn more about the specific differences within each area of discussion and the general dissimilarity in their overall health insurance and health care schemes.

Source by Jeff H McClendon

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Importance Of Medicine In Our Daily Lives

Medicine is considered as one of the most important necessity to all of us. It is derived from the Latin words ars medicina meaning “the art of healing”. It is a branch of the health sciences and is the sector of public life concerned with maintaining or restoring human health through the study, diagnosis, treatment and possible prevention of disease, injury and other damage to a body or mind.

It is both an area of knowledge, a science of body system and their diseases and treatment. This branch of science encompasses treatment by drugs, diet, exercise and other nonsurgical means. It is also used to maintain our health. An agent such as drug is used to treat disease or injury. There are different types of medicine, we have herbal medicine, which came from different kinds of plants, medicines treat in hospital and etc. Herbal medicine, also called botanical medicine or phytomedicine, refers to use of any plant’s seeds, berries, roots, leaves, bark, or flowers for medicinal purposes. Long practiced outside of conventional medicine, herbalism is becoming more mainstreams as up-to-date analysis and research show their value in the treatment and prevention of disease. Some of us believe in herbal medicines, for it is pure came from plants and no other ingredients. Herbal medicine also uses for cough, fever, toothache and some other diseases that might catch from our environment. Herbalists treat many conditions such as asthma, eczema, premenstrual syndrome, rheumatoid arthritis, migraine, menopausal symptoms, chronic fatigue, and an irritable bowel syndrome among others. Plants had been used for medicinal purposes long before recorded history. For most herbs, the specific ingredient that causes a therapeutic effect is not known. Whole herbs contain many ingredients and it is likely that they work together to produce the desired medicinal effect

Some medicines may cause problems if you take them with other medicines. This is why it is important to tell your doctor and pharmacist about all the medicines you are taking. And some medicines can cause problems, even if you take them correctly. Call your doctor or pharmacist if you think your medicine is making you feel worse. We take medicine to make us feel better when we are sick.

Source by Jennifer Alinio

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New "Wave" in Whole Food Supplements – Have You Eaten Your Sea Vegetables Today?

You've probably noticed the huge movement in the nutrition and supplementation fields towards sea vegetation. It's nothing new of course. People have been eating seaweed and other sea vegetables for eons.

But if you dig around, you'll find that a push to eat your sea veggies is certainly on the rise, and your choices for different sea vegetation supplements are also increasing.

Personally, I've been taking sea vegetation supplements for the past 2 years and enjoy them very much. I've used 2 different kinds in particular and thought I share my thoughts with you on both in this brief review of sea vegetable supplements:

1) Sea Veg (TM)
This is a great product, developed by Scott Kennedy. I've listened to Scott discuss this product itself and he certainly is passionate about it! He believes that his children, who were given his product while in utero and every day thereafter, have never been ill! While I enjoyed the product myself, I never had much luck getting my 3 children to use it. The recommended dose is 3 capsules daily. However, I have heard Scott recommend a much higher dose (off the record) which means you go through the product much more quickly than anticipated. A bottle does not really last a full month if you take it the way Scott encourages, making it a more expensive product to take.

My only other comment would be about the company that Promotes this product for Scott. His product is promoted by ITV (TM). I've noticed that this company has not always been shipped with shipments and there were frequent billing mistakes; two headaches that I can do without.

2) SeaAloe (TM)
Most currently my sea vegetation comes in liquid form from a company called SeaAloe (TM). Of course, after my sea veg (TM) experience, I was facilitated to receive my order in just a few short days and with no billing errors. In fact, the company is very attentive and the customer service is excellent!

In my opinion, the best feature about this brand of sea vegetables is the fact that my children can easily use the product and they love it. It tastes great and they are eager to drink their ounce of sea vegetable supplements every day! This product also offers other terrific ingredients with valuable health benefits such as pau d 'arco, cranberry and black cherry. Of course, aloe vera is also in the product and is known for its healing and soothing qualities.

I'm very pleased to have found a liquid form of sea vegetables to supplement my family's diet. I know we're getting a great whole-food product that is very bio available in a very easy to consume liquid. I would highly recommend this product to anyone who understands the incredible value of sea vegetation and wants to supplement their diet with an easy-to-use, family-friendly product from a top-notch company.

Source by Kelly Araneda

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Top 5 Supplements to Add to Your Daily Nutrition

If you're looking for a little added extra to your daily nutrition then how about adding some great supplements. Below are 5 supplements that will help you in many ways daily.


For everyone who does not get enough fruits and vegetables. (That's up to 80% of the population.) Rather than mega doses of nutrients look for one pill that provides 100% of your daily requirements for as many different vitamins and minerals as possible. Amounts exceeding 100% are generally a waste and you'll end up peeing them away. When it comes to price, generally the more you pay the more vitamin content you will get. However you can get multivitamins for cheap at your local supermarkets.

Protein Powder

Protein powder has other advantages to the protein we eat through foods. It's convenient in a sense that it's easy to carry round in a shaker and easy to conjure up in a short space of time. Drinking a shake after every workout speeds muscle recovery and supplies your body with the amino acids needed for muscle growth. This is important for not only athletes and gym goers but your every day normal Joe / Joanne Bloggs. Protein powders vary in price, especially with more brands coming out every month. Do your research and look for good deals.


This synthetic version of an energy source produced naturally in the body is stored in the muscles for use during exercise. So why do we need extra if our body already produces it? Well our body makes and stores around 120g of creatine, but, our body can store up to around 160g. Multiple studies show that creatine does help speed recovery and the growth of lean-muscle mass after a workout. You can start taking creatine at the normal dose of three to five grams per day after a workout. You can even mix it directly with your protein powder, although a lot of protein powders already have creatine in them so make sure to check before spending your cash. Creatine is fairly cheap and you can pick it up in most health shops and some big supermarkets.

Green Tea

We are hearing more about green tea every day and it turns people's heads because it helps fight fat. Animals who are given the extract in studies gain less weight and burn substantially more fat than animals getting a placebo. Green tea has many more benefits than just burning fat, there are now studies taking place that say green tea can help towards curing disease such as cancer.

Tea experts ideally recommend about eight glasses a day or go the easier route and just take a tablet form. Aim for 90 milligrams three times daily. You can get green tea cheap by buying supermarkets own branded tea, but it promises to have a bit of a rough after taste. For those that are a bit fussy, try a flavored green tea at first or pay a little extra for the plain green tea, I find Tetleys green tea is nice.

Fish oils

Fish oils are beneficial for heart disease, joints and also fat burning properties. Take at least one to two grams a day (1000mg-2000mg). Pick these up for cheap at your local superstore.

There are literally thousands of pills you could be popping at any one time. Forget them and get these down you first, these are up there with the best of them and you'll feel the benefits in no time at all.

Source by Thomas C Davies

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Dog Care Tips – 3 Major Ways to Keep Your Dog Healthy and Happy

If you are looking to add a pet to your life, a dog is one of the best pets to consider.  Not only do they become part of the family, they are devoted and loyal companions.  They are always waiting for your return home, by letting you know how much they missed you.  Regardless if you are happy or sad, a dog will always stay by your side and give you unconditional love.  Keeping your dog healthy and happy is the best way to give back to your dog.  Here are a few dog care tips that should always be priority.

1.    Always give your dog a healthy diet.  This will provide your dog with energy, and help prevent obesity.  It will also keep their coats shiny and healthy. 

2.     Always walk and exercise your dog.  A dog needs to get out, move around and get fresh air.  This will not just help them physically, but also emotionally.  They need to be able to see other people and surroundings, to help prevent boredom.

3.    Dogs need to be groomed and bathed.  Depending on the breed and length of hair, some dogs require cutting and brushing. Bathing should be done occasionally, a few times a year, because if you over wash your dog, it can make their skin dry and become irritated.

Giving your dog good nutrition, exercise, good hygiene and lots of love, will help to give your dog the best life possible.  An online e-book can give you information that will help you in taking care of your dog and give you excellent dog care tips on how to keep them healthy.

Source by Santhana Chann

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How To Keep Your Skin Healthy – Men's Fashion Tips

Ever wondered why a woman's bathroom cabinet is spilling over with a zillion lotions and potions and gels and tubes and jars, all containing colorful magic substances and having names that are all a vital part of her hour-long beauty regime? Well, if she can end up looking good even after using all of that, then she must be doing something right and is not merely acting like a product-consuming maniac.

Skin problems are not unique to females. The difference is that they take care of their skin while we men are just too darn lazy to bother with our own. So, unless you're happy with your zit-ridden or blackhead-speckled skin, follow this daily schedule for skincare to attain skin that not only looks healthy but feels healthy too.


Keep your soap bar strictly for your body which needs all the harshness of the detergents to get rid of dirt and germs. When it comes to your face, you need to go gentle and that's what a facial cleanser does. It is specifically designed for the skin on your face, thus making it free of harmful substances such as detergents, soaps and fragrances. A good cleanser foams and washes away dirt without ridding the skin of its natural oils. Use twice a day – before shaving and before sleeping at night. Cleansing your face before going to bed is essential as the skin goes into restoration mode in the night. There are two types of cleansers – foaming cleansers and cream cleansers. Foaming cleansers are great for removing excess oils while cream ones get rid of only dirt and are good for dry skin.


It's not over yet. If you think that by getting rid of the dirt on your face you'll be beaming with natural radiance, you could not be more mistaken. The skin's surface builds-up a wonderful layer of dead skin cells that make your skin look dull and lifeless. With exfoliation, the dead cells are gently removed and it helps the skin to absorb external nutrients that leads to healthy-looking skin. For sensitive skin, use non-abrasive formulas. Do not use your body scrub on your face and never exfoliate the immediate area surrounding your eye as a scrub is too harsh for the delicate skin around the eyes. An exfoliating scrub with fine grains used once a week is going to give your face a vibrant look.


Free radicals. Heard of them? Nope there's nothing political about them, but scientifically speaking, a free radical is an atom that's lost an electron and tries to balance itself by stealing electrons from other cells. Canning the particle-physics jargon, what too many of these free radicals will do to our skin is cause a host of damaging effects, one of them being the visible signs of aging. We can not avoid them as they come from our environment, but we can fight them with antioxidants such as vitamins A, C and E. Eating well is a sure way of counteracting free radicals but if you have a poor diet then take a vitamin supplement and find a moisturizer containing antioxidants and an SPF of 15.


Lotions and creams are great moisturizers whichpart antioxidants to your skin. While a lotion is good for normal skin, dry skin would need more of oils that are contained in creams. One of the best advantages of moisturizing your face is preventing the signs of aging. If you have a particularly sensitive skin, then choose a moisturizer that is free of fragrance and hypoallergenic.


Skin-care products such as facial cleansers, exfoliants and moisturizers can be picked up from any up-market department store, spas or at a dermatologist's. However, each of them has several products that are specific for certain skin types for maximum results. So choose carefully and combat bad skin with the right ones. Be aware of exactly what your skin requires before starting any regimen.

Normal: If you do not have any particular skin issues, then this is the skin type you have. You may have slightly dry skin in places and slightly oily elsewhere. All you need is a good cleanser (a foaming one), a toner and a moisturizer with antioxidant protection.

Oily: Oily skin has big, open pores and the characteristic greasy T-zone. This causes lots of blackheads, whiteheads and general pore congestion. You need to use a foaming cleanser, toner and an oil-free moisturizer.

Dry: There is excessive tightness and dryness which can get physically uncomfortable. There are signs of aging such as line and wrinkles. You need to use a cream cleanser and a rich cream moisturizer. Cleanse your face only in the night and rinse with water in the morning.

Combination: You have the worse of both dry and oily skin so you …

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How to Choose Vegan Certified Nutritional Health Supplements

Are you a strict vegetarian who is having difficulty finding whole food nutritional supplements that are vegetarian?

The key to finding strictly vegetarian products is to look for the vegan certified seal on the products that you buy. Read on to discover more about this seal and the certification behind it.

All manufacturers that carry the vegan certification trademark on their products are guaranteeing that their products are strictly vegan. This means that they contain no animal ingredients or no animal by products. These products are also not tested on animals.

To become vegan certified the company must go through a strict application and certification process. The company must first send a completed application that contains a list of all of the ingredients in their products to the Vegan Awareness Foundation. The application is reviewed and any questions are sent back to the company from the foundation.

Samples of the products are then reviewed which may include laboratory testing and direct contact with the product manufacturer to confirm that they are really vegan. This process may take several weeks.

Once the product is determined to be strictly vegan, it is given the right to use the vegan certified label. However, it is only allowed to use this label for a period of 12 months, after which the company will be reviewed again and another licensing fee will be charged.

So if you are looking for good whole food nutritional health supplements, be sure to look for the vegan certified seal. Quality natural vitamin supplements ingredients are certified to come from plant sources only.

Source by Harold M Stokes

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Cancer – Types of Treatment Available Today

There are various options available for the treatment of cancer. Your Doctor decides on the right treatment for you depending on the type of cancer you have developed, and at what stage your cancer has been detected. Doctors also take into consideration the possible side effects you suffer as a result of the treatment and your physical ability to deal with these.

Treatment ranges from a single form to a combination of two or several forms. Patients and their families are involved in the decision about the treatment options your Doctor advises for your treatment. While you feel anxious and overwhelmed by the enormity of the challenge to overcome the disease, the task becomes a little easier once you know about the treatments.

Treatment Options

  • Surgery
  • Radiation therapy
  • Chemotherapy
  • Immunotherapy
  • Targeted therapy
  • Hormone therapy
  • Stem cell transplant
  • Medication


This is a surgical procedure to remove the cancerous cells from your body. It is performed by trained surgeons. Your surgeon opts for either open surgery or minimal invasive surgery as required. Open surgery removes the cancerous growth along with adjacent healthy tissues and lymph nodes. Laparoscopic surgery involves inserting cameras and apparatus through holes drilled in the body to remove the growth with less impact on surrounding tissues.

Radiation therapy

This treatment uses high doses of radiation to cauterize and shrink cancer growths and stop them from spreading. External Beam Radiation uses machines to direct rays towards your cancer growth without touching the body. Internal Radiation puts radiation source in solid form close to the growth for targeted release or liquid form in the blood stream enabling it to travel through tissues and target random cancer cells.


This entails use of specific drugs to kill cancer cells to stop or retard cell growth. It is useful for cancer cure, preventing recurrence, stop or shrink growth of cancer cells.


This is a biological therapy that aids the immune system to fight cancer. It uses living organisms to improve the functioning and impact of the immune system. Monoclonal antibodies bind to specific targets and trigger immune responses to kill cancer cells. Adaptive cell transfer increases the natural ability of T cells to resist cancer. Cytokines are the body’s own protein products used to enhance the response of the immune system. Treatment vaccines work against cancer cells by triggering opposition to their growth.

Targeted Therapy

This challenges the changes of cancer cells and affects their ability to divide and grow. This is done by the use of small molecular drugs or monoclonal antibodies.

Hormone Therapy

It is particularly useful for breast cancer. It stops or slows down the production of hormones that encourage growth of cancer cells. They work in two ways: by blocking the production of the hormone in the body or by changing the behavior of these hormones.

Stem Cell Transplant

This procedure replaces blood producing stem cells in patients whose blood cells have been damaged or destroyed due to the disease or therapy.

Source by Sejal Kakadiya

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Medical Transcription

This is a process whereby dictation from physicians and other healthcare providers is transcribed and formatted into a medical document. The dictation occurs after a patient has seen a physician and then he dictates the results of that visit. A medical transcriptionist (MT) listens to the dictation and transcribes into a word processor (such as WordPerfect or Word), or in some cases using a typewriter (very few, if any, still use typewriters now). Types of reports include history and physicals, consultations, clinic notes, psychiatric evaluations, discharge summaries, x-ray reports, laboratory/pathology reports, and emergency department records. This document then becomes part of a patient’s medical record.

A medical transcriptionist can receive dictation several difference ways. Sometimes tapes are used (micro, mini or regular sized) and can be played back on a transcriber machine with a foot pedal (which rewinds or forwards the dictation). Some physicians use a call-in digital system to do their dictation and then a transcriptionist uses a special phone (C-phone or similar) to call in and retrieve the dictation. Another method of receiving dictation is with use of voice files using a digital recorder and then the transcriptionist receives the voice files to transcribe.

A medical transcriptionist has to have excellent medical terminology skills, computer and word processing skills, excellent listening skills, and must have a good grasp of the English language as well as excellent grammar skills. Training includes medical terminology, diseases processes, systems review, anatomy, physiology, pharmacology, legal issues/confidentiality guidelines, etc.

Medical transcriptionists can work in hospitals, medical clinics, physician offices, transcription services or at home. Most transcriptionists require anywhere from 2 to 5 years of MT experience working in a hospital setting/clinical setting before they can work at home. Starting off working from home can be done but it is very difficult and most hospitals/services prefer 2 to 5 years of MT experience.

What equipment is needed?:

Medical transcriptionists need a computer to transcribe, to include a word processing program (usually WordPerfect or Word, although some companies have designed their own word processing program), headphones, wav player program, transcriber or special phone for call-in dictation, and resource books including medical dictionary, drug index, lab word book and other specialty books (i.e. pathology, cardiology, medical/surgical equipment, etc.). Also with use of a word processing program, a medical spell checker is a necessity. Some transcriptionist use short cut programs (to create abbreviations for longer words), which may include Instant Text, Speedtype, Shortcut or others.

How to Become a Medical Transcriptionist:

A transcriptionist can be trained on the job but it requires a lot of training, including medical terminology, computer skills, word processing skills, etc. Most transcriptionists are trained through smaller local colleges or on-line MT courses. Learning to become a medical transcriptionist takes a lot of time and is not something that can be learned over time. In fact, it is an ongoing learning experience as new drugs are always coming out, equipment changes, etc.

Recommended On-Line Training Courses:

Over the past 10 years, I have communicated and socialized with many MTs. Below I have listed some reputable on-line courses available for transcription training:


Career Step –

Andrews School –

There are many more training courses available and a lot of small colleges even offer MT training. Again, these are courses that have a good reputation by many MTs whom I have interacted with over the years.

Transcription Pay:

Transcriptionists can be paid different ways, by the line, by the page, by the hour, or salary. Most independent transcriptionists working at home are paid by the line or page. Most MTs working in the hospital are paid by the hour. Salaries can fluctuate depending on many variables. Independent transcriptionists sometimes make more because they are paid by the line and thus with increased speed, they produce more lines, thus earning more. However, independent transcriptionists have to pay all of their taxes. Transcriptionists can also be a statutory employee, which is basically an independent contractor except that the company pays a portion of the taxes.

Visit this link to get a general idea of the pay scale for MTs:

Transcriptions do not start out making a lot of money as some advertisements suggest, especially if you are paid by the line. It takes time to learn terminology, get used to different dictators, and lots of time is spent researching. Transcriptionists have to be very disciplined due to the amount of time spent at the computer and because of deadlines for the work to be returned.

Basic Recommended Books for Medical Transcriptionists:

Medical Dictionary

Drug index (i.e. Quick Look Drug Book)

Abbreviation book

Pathology and Lab Word Book

Med/Surg Equipment Word Book

Where to Find Medical Transcription Jobs:


Medical Clinics

Physician Offices

Where to get books and equipment: – …

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