Posts Tagged ‘health insurance companies’

Whole Health – What Your Doctor Doesn’t Know Might Hurt You

July 9th, 2011

Modern medical science has come a long way in the prevention and treatment of many diseases. Diabetics are able to manage their blood sugar with dietary changes and medication. Though a cure has not yet been found, people with HIV are living longer and healthier lives when only a few years ago this diagnosis would have meant certain death. Even those in need of organ transplants are able to go on to live normal, productive lives in many cases. With all of its successes, it is often easy to ignore where modern medicine has missed the proverbial boat.

The Down Side of Modern Medicine

The many advances of science and medicine have a particular focus on pathology – that is they are centered on defining, diagnosing and managing diseases. While this is no doubt an important and often complex process, there is more to human health and wellness than simply making us feel better when we are ill.

The medical field has been sub-divided into a plethora of specialties that often leave patients confused as to which doctor they should see for a particular ailment. What would once involve a simple trip to your family doctor can now involve referrals to specialists. Involve health insurance companies in the mix and the confusion only grows.

Whole Health

The biggest and most glaring deficiency in modern medicine is that most doctors are trained to treat symptoms and not the person. In order to enjoy complete health, one must first look objectively at the whole being. There is little doubt that physical health is absolutely important but to take care of the body to the exclusion of the mind and spirit is to have only a partially healthy person.

True health care – Whole Health Care is a proactive and involved process that views each of these three key components as having equal importance and treating them all with equal dedication.

The Holistic Health Care Answer

By its very definition, holism or Holistic Health Care, embraces the body, mind and spirit as three equal and interconnected parts of the whole being. The common bond that links the many different forms of holistic therapy is that each of them treats your physical, mental and your spiritual health.

Even one of the most widely known and accepted forms of holism – massage therapy – has benefits that go far beyond just loosening your muscles. Massage sessions help to relieve muscle tension, relax the body and increase circulation throughout your body all while simultaneously releasing stress and invigorating the mind.

With the wide array of holistic options, learning more about them can be a challenge that is too much for a person to take on in today’s hectic world. The Center for Healing Arts has introduced a way to bring the most knowledge and respected healing arts practitioners right into your home with a series of sessions on DVD that allow you to learn at a comfortable pace without the time commitment of wading through books after a long day at work or the wasted time involved with search engine results.

Subscribers to their program receive a new DVD every two months taught by experts in the various fields of the healing arts – not faceless amateurs behind a computer monitor who could be endangering the lives of you or your family with incomplete or incorrect information.

How Do I Know What To Do?

First, it is very important for you to know that the point of this article is not to discredit the modern medical establishment whatsoever. The goal here is to help you to understand that doctors are not all-knowing sentient beings in whom we should place all of the responsibility for our health and wellbeing. Your health is your responsibility and the fact that you don’t have M.D. or PhD at the end of your signature does not in any way alleviate you of that.

That said, the best way to learn more about holistic medicine is to research the various therapies and methods to find one or more that seem to feel comfortable to you. Trust your instincts and don’t give up hope. It takes dedication on your part to find what works best for you and your family.

Family Health Care Plans

April 28th, 2011

According to the latest United States Census Bureau figures, approximately 85% of Americans have health insurance. Approximately 60% obtain health insurance through their place of employment or as individuals, and various government agencies provide health insurance to 25% of Americans.

Health Insurance can be defined as an official agreement between policy-holder and the insurance company, where in the insurer is committed to pay all the medical bills of the insured person if he becomes ill due to the covered causes or meets an accident.
You can get yourself insured from a private organization or from some government agency. For example, the major proportion of the population in United States rely on private health insurance companies, while the dominance of government agencies in this sector can easily be seen in the rest of the world.

Further, the health insurance policy generally pays for limited medical benefits of the total number listed in the agreement in terms of tests, drugs and the treatments. These limited coverage are known as “covered services”. There is yet another list that the medical insurance companies issue, known as “uncovered services”, which details the kind of services ‘not’ covered by the policy. For all such medical treatments, you will have to pay from your own pocket.

Well, an insurer generally has several options available to him differing in their ‘covered services’, and hence it is advisable to choose your plan carefully. Here, I will describe a few standard plans, available to an insurer.

1. Indemnity or fee-for service Plans:

The plan provides medical coverage of an insurer by paying a percentage of the medical bills, generally the 80% of the “usual and customary cost”. The insurer endures the remaining 20%, also known as “coinsurance”.
It would be worthwhile to mention here that the plan usually has some minimum deductible to be paid every year, which having been paid allows the insurer to provide the benefits of the plan.

2. Managed health care

Here in, the insurance company forms cooperatives with certain doctors, hospitals and medical centers, which then provide a range of services to the insurer at a reduced cost. In other words, you will have to pay less for your medical services thereby making your treatments cheaper.

A managed health care plan can broadly be classified in to three sub categories:

· Preferred Provider Organizations (PPOs)

The plan is somewhat similar to indemnity plan, where in the insurer bears a part of fees (much lower than indemnity plan) while the insurance company pays the rest.

· Health Maintenance Organizations (HMOs)

The plan offers you a range of health benefits, including preventive care, for a pre-decided monthly fee, if you get your treatment done from the pre-issued list of doctors and medical centers. However, if you decide to move out of the HMO circle, you shall have to bear the entire treatment cost on your own.

· Point-of-Service (POS) plans

PMO can be considered as yet another form of HMO, with an indemnity plan option. The plan extends to give you the coverage even outside the HMO circle, if you get the outside doctor referred by the ones covered in the plan. Alternatively, you can also refer yourself outside the plan and get some coverage.