Pregnancy – Assisted Reproduction and Insurance

Pregnancy - Assisted Reproduction and Insurance

There are nearly six million pregnancies inside the United States every year. Almost three million of those are unplanned or unwanted. These are startling statistics to the 10% of ladies of childbearing years who try unsuccessfully to get pregnant. For these women, assisted reproductive technologies (ART) or even in vitro fertilization (IVF) procedures are their only hope for parenthood. Unfortunately, while insurance providers will cover the cost of unplanned pregnancies, most private insurance agencies do not cover alternative pregnancy options such as ART or IVF. Women and couples are forced to pay an average of over $12,000 per IVF cycle upfront, by way of example.

There are only 15 states within the U.S. that mandate some level of coverage for assisted pregnancy procedures. Even in these states, you can find severe limitations on coverage amounts and covered procedures. However, even limited coverage is better than no coverage mandated from the other 35 states. The lack of coverage for expensive procedures coupled with a women’s often strong desire to have children sets the stage for poor choices in healthcare hoping for your one in a million miracles. Similar problems were seen in the mid-twentieth century when the usage of contraception and abortions triggered dangerous medical situations involving women in desperate search of strategies to their reproductive issues.

It wouldn’t be outrageous to surmise that girls in desperate look for techniques to creating a successful pregnancy might additionally be tempted to find alternative, often dangerous procedures from questionable sources. This puts countless underinsured or uninsured women longing for a kid vulnerable to fraudulent, ill-conceived, and perchance dangerous healthcare providers wanting to exploit the necessity for cheaper and much easier entry to reproductive care. Studies and history have all shown that limiting access to healthcare on such basis as high costs result in …

High Blood Pressure – Don’t Let Insurance Woes Stress You Out

High Blood Pressure - Don't Let Insurance Woes Stress You Out

Suffering from high blood pressure can put you at risk for a lot of serious health conditions. Hypertension can cause stroke, myocardial infarction, heart failure, kidney failure, and other serious conditions. This is why people diagnosed with hypertension can sometimes find themselves paying way too much for insurance or, in some cases, even denied health insurance altogether. But there are ways to make sure that you get the coverage you’re looking for at the best possible price. While you may have to pay more than others who don’t suffer from this condition, you can at least do your best to make sure that you’re not overpaying for insurance.

Considering health insurance

When considering health insurance, you should consider all of the medical care you will need for your high blood pressure. You may be prescribed medication, so you must ensure that you have prescription drug coverage in your insurance policy. You should also visit a cardiologist regularly to be evaluated, so you must make sure you don’t need a referral to see a specialist. And, because there is always the possibility that you suffer from one of the conditions triggered by hypertension, you must ensure that emergency treatment is included in your policy.

Reducing the insurance premium

High Blood Pressure - Don't Let Insurance Woes Stress You Out

One of the best ways to reduce your insurance premium is to control your high blood pressure. You must do your best to eat right, exercise, reduce alcohol consumption, and stop smoking. These are all factors that contribute to better blood pressure. And if an insurance company can see that you’re doing your best to address your blood pressure issues, then they’ll be more likely to offer you a lower premium, since they’ll see that you’re not using insurance as a substitute for good health.

While it may be tempting, do not, under …

Health Risks – How They Influence Your Plan

Health Risks - How They Influence Your Plan

The truth is that no one wants to seek health insurance, but sometimes this process is only necessary. Some people, on the other hand, are lucky because they are offered health insurance through their employer. This will be fun, but if you are not one of these lucky people, then you must be prepared to take things into your own hands. You must also remember that company policies do not fully comply with their policies. Often, those who have insurance plans offered through their work will reject their plans because they are not happy with them. Just keep in mind that the grass is always greener on the other side of the fence. None of this is to say, however, that if you want your own plan you won’t have to do a little research. One of the most important factors when it comes to if you’re accepted for insurance or not, as well as the rates that are determined are health risks.

Health Risk

When we talk about health risks, we can be talking about any number of conditions or behaviors. One of the most common examples of risk is smoking. It’s not a big secret that smokers tend to have more health problems than nonsmokers. There are other risks, however, that you cannot control. This is often referred to as a pre-existing condition. Conditions like asthma or diabetes are certainly risky, although it’s not your fault if you have them.

Health Risks - How They Influence Your Plan

The consequences of health risks

So what are the consequences of health risks? The bad news is if a medical insurer from an insurance company decides that you are at risk, you will be denied insurance or you will have to pay a very high rate.  This may seem unfair to you, but the truth is that if …

What Exactly Does Health Insurance Cover?

What Exactly Does Health Insurance Cover?

Health insurance or popularly known as private medical insurance covers any conditions which are short term and can be cured, even injuries which don’t last too long and are acute condition types would be covered. But when talking of such insurance policies, there are certain treatments and illnesses which are not covered under the scheme and we will tell you about them, so please read on and be well informed for the same.

Health insurance happily takes care if you have the following;

What Exactly Does Health Insurance Cover?

1. Short term treatment, or what is known as acute conditions

2. Tests for in patient care

3. Surgeries

4. Accommodation costs at reputed hospitals

5. Time costs for theatre usage

6. Nursing costs

7. Tests and diagnoses

8. Consultations with the medical head etc

Some policies also allow for testing with regard to out patient care, coverage while you travel overseas and cash paid treatments for those who use the government services as an in patient attendee.

Before you sign up for the health insurance policy, make sure you read all the terms and conditions. This would help you understand what coverage you can avail of and what you cannot. Some medical conditions, which you may have wouldn’t be covered under the policy you have taken, because it could be a long term illness or treatment which the company wouldn’t be able to manage and you would be asked to pay for.

Medical treatment and costs incurred by the company for your health through the health insurance policy would be ten times more and thus, the policy wouldn’t give you coverage for the same, so check with your insurance provider on any pre existing ailments and diseases or treatments you undergo, for it may NOT be covered.

What health insurance in wouldn’t cover are

1. Pre …

Things To Remember To Keep Your Eyes Healthy

Things To Remember To Keep Your Eyes Healthy

Surveys reveal that out of five senses, men and women are most fearful of losing sight, and for good reason, because we experience a great deal of the world around us with our eyes first. Listed below are some eye care guidelines to bear in mind.

Eat healthy

Although it is true that foods packed with Vitamin A can keep at bay several discomforts and conditions like drying of the eyes and night blindness, they are not a remedy by themselves, but you ought to include them in your daily meal plan nonetheless. Certain minerals are also believed to keep eyes healthy. Zinc, for instance, has been shown to reduce the risk of age-related vision changes. Antioxidants also help delay decline of vision related to aging.

Things To Remember To Keep Your Eyes Healthy

Prevent injuries to the eye

There is a substantial risk of harming your eyes in recreational settings or when you’re carrying out activities that produce air-borne debris. It is crucial that you remain fully aware to your tasks and your surroundings, and wear protective glasses which cover the eye from the front and from the sides.

Defend eyes from harmful UV rays

Daily exposure to UV rays can eventually result in cataracts and macular degeneration. You should wear sunglasses so you can minimize sunlight exposure and reduce the likelihood of your eyes aging prematurely. Select sunglasses that protect from UV A and B.

Prevent eye problems

Your daily practices can cause your eyes to gradually deteriorate from abuse. Refrain from reading in dim light, and take breaks periodically from whatever you are doing to give your eye muscles a time to rest.

Regular eye examinations

Visit an eye doctor every 2-4 years if you are between the ages of 40 and 65 and every 1-2 years if you are above 65. If you have …