Medical Insurance – A Basic Overview

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 Medical insurance refers to a type of insurance that pays for all your medical expenses. This type of insurance is available either through a government-sponsored program or from a private insurance company. It can be purchased by individuals or on a group basis; and in each case premiums have to be paid so that unexpected or expensive healthcare needs are taken care of. 

If you look at medical insurance, it basically is a contract between the insurance company and the individual who takes out the contract. This is the policy and it can be renewed monthly or annually. The contract will also spell out the type of healthcare and to what cost coverage will be offered. Usually this information is available either in the contract or the Evidence of Coverage booklet.

When a person takes an individual policy, there are many different forms of payment options and obligations that need to be fulfilled. Some of them are mentioned below:

  1. Premium is the amount that the individual, also known as policyholder, has to pay each month to purchase health coverage.
  2. Deductible refers to the out-of-pocket expense that the policyholder is willing to pay before the insurance starts paying. The higher the deductible, the lower is the premium. Usually the policyholder will have to visit the doctor several times before he or she reaches the deductible and the health insurance starts paying for healthcare.
  3. Copayment is the amount a policyholder must pay out-of-pocket for a particular visit or healthcare service before the health plan pays for it. Usually copayment is made each time the policyholder avails a particular service.
  4. Exclusions refer to all healthcare and medical services that are not part of the insurance policy. These services have to be paid for by the insured.
  5. Coverage limit is when a medical insurance pays for healthcare up to a certain amount. Anything over and above this amount has to be paid by the insured.
  6. Coinsurance is when the policyholder pays a certain percentage of the total cost while the insurance policy pays the balance. Usually there is no upper limit for coinsurance and the insured can end up paying small or large sums depending on the cost of the medical service.

This may seem basic , but it important to have a framework of insurance coverage to start taking action  to determine what will be your best plan and best price for medical health coverage.

Don’t take unnecessary chances with Your Health Care Needs –  Compare Free Quotes for Your Best Price and Best Coverage Today!…

Foot Condition Treatment By The Podiatrists Of Orange County, California

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Podiatrist or Foot Doctor Orange County –

Let us first define who is a podiatrist and what is podiatry.

A podiatrist cares for people of all ages, treating any foot problem.

Podiatry deals with the prevention, diagnosis, treatment and rehabilitation of medical and surgical conditions of the feet and lower limbs.

The conditions that any California podiatrist treat include those resulting from bone and joint disorders such as arthritis and soft-tissue and muscular pathologies, as well as neurological and circulatory disease.

Most Podiatrists in Orange County or podiatrists in Los Angeles are also able to diagnose and treat any complications of the above which affect the lower limb, including skin and nail disorders, corns, calluses and ingrown toenails. Foot injuries and infections gained through sport or other activities are also diagnosed and treated by Orange County podiatrists.

Skills Employed By California Podiatrists

A range of skills are employed by podiatrists in Los Angeles and even podiatrists in Orange County.

Direct consultations by any foot doctor in Orange County include

  • a clinical history composition,
  • physical examination,
  • diagnosis,
  • preparation of a treatment plan
  • Provision of a range of therapies.

Clinical Assessment Techniques – Orange County Podiatrist:

Clinical assessment techniques aim to secure a diagnosis and prognosis and take into account clinical, medical and surgical history, footwear, occupational and lifestyle factors, and may incorporate the use of diagnostic equipment such as vascularscopes or radiology.

Gait analysis will often be undertaken through visual or computerized means and might include range of motion studies, postural alignment evaluation or dynamic force and pressure studies.

Clinical services conducted by most California podiatrists require skilled use of sterilized instruments and appropriate infection control procedures, along with appropriate application of pharmacological agents; specialist wound dressings and a variety of physical therapies.

Prescription and Treatment – Los Angeles Podiatrist:

Prescription foot orthoses (in-shoe devices) offer permanent solutions in the treatment and prevention of corns, callous and necrotic ulceration in their capacity to provide pressure redistribution. As a technique for providing consistent weight bearing realignment they are utilized in the treatment of acute and chronic foot conditions such as tendonitis, recurrent ankle sprain, chronic knee pain and stress fractures, to supplement and enhance clinical care.

Foot health education regarding self care techniques and prevention of foot pathology
is an important component of individual care but is also frequently implemented on a greater scale, either to specific target groups or as community projects by most Orange County foot doctors.

In order to facilitate enhanced clinical care, California podiatrists establish and maintain collaborative relationships with other health care providers, often working within
a site-based, multi-disciplinary team.

Registered podiatrists in California, Orange County and Los Angeles believe their patients deserve to have the information needed to make good choices about their foot and ankle care. Their goal is to educate each patient and begin a relevant foot treatment program with the highest quality of care available.…

Environmental Protection and Sustainable Development

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 ENVIRONMENTAL PROTECTION AND SUSTAINABLE DEVELOPMENT

                                                     Dr. Ashok Kumar Panigrahi & Dr. Nirakar Jena,

                 Department of Zoology, F.M.Autonomous College, Balasore, Orissa, India.

Sustainable development is defined as the process of development that meets the need of the present generation without compromising the ability of the future generations to meet their need.

            The idea of sustainable development emerged from the Brundtland report of            1987 titled “Our Common Future“, through which it was recognized that the natural resources are exhaustible. Consequently there was a global change in approach towards the developmental processes. The shift in the developmental paradigm led to a paradigm shift in ecological science. Human beings which thus far were not included in the ecosystem functioning were seen as an important constituent and the process of impact assessment was initiated. There was broad consensus for living in harmony with the nature because the traditional societies living close to nature and natural resources were found to be better integrated than the industrialized societies. The role of biodiversity as a natural resource was realised. This was more so in ecological point of view. The paradigm shift in ecological studies emphasizing the role of biodiversity led to the concept of sustainable development. Thus, ecology and development became synonymous and together they led to formulation of strategies for natural resource management whereby ecology was linked up with social processes.

            The Brundtland Report or the report of the world commission on Environment and Development emphasized the following three points, which according Kofi Annan, are pillars of sustainable development. They are-

i.                     Economic growth

ii.                   Social progress

iii.                  Protection of the Environment together with the natural resources.

The report was time appropriate in view of the global change which includes the following facts.

i.                     Climate change- arising out of material development and without impact assessment, climate change is directly responsible for enhanced global disasters like polar ice cap melting, magnitude of sea born disasters etc.

ii.                   Biological invasions- technologies directed at altering the basics of biodiversity and nullifying the species barriers through the transgenic which fail the desired results.

iii.                  Biodiversity loss- owing to lack of understanding the importance of biodiversity, from food through health and ecological consequences to biological inter-relationships are very often forgotten.

iv.                 Land use- owing to lack of proper vision and far sight there is nothing called land use plan consequent up on which the quantum of arable land is diminishing when the population and hunger is rising.

Consequent to the above facts the following impacts were recognized.-

i.                     Scarcity of water, fresh water and especially drinking water true to its definition.

ii.                   Land and soil- especially arable land at a time of increasing urbanization and decreasing agricultural land  owing to population explosion; over exploited soil due to green revolution practices.

iii.                  Energy- depleting energy resources like fossil fuels of petroleum crude and coal and limited availability from alternative sources like solar and wind etc.

iv.                 Pollutions- due to non sustainable industrialization, green revolution and implementation of non sustainable developmental practices, …

The Correlation Between Health And Diet

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Healthy living doesn’t happen at the doctor’s office. The road to better health is paved with the small decisions we make every day. Healthy people may not be very much affected by foods grown in distant climatic regions.

Everyone is so focused on fat loss and building abs that they forget they are LOSING muscle mass. Our forum members share nutrition and amp; training tips and supplement ideas to keep that muscle! Everyone knows what the answer is, and it’s a little frustrating even from my point of view, because no matter how much research you do, you’re going after a monolithic dogma, in effect. And dogmas protect themselves.

Carbs are actually your body’s preferred choice of fuel. The trick is to choose healthful complex carbs such as fruits, veggies, and whole grains.

Carbohydrates are important, however it’s the volume of carbohydrates that are the most important. When people are on the first phase here at the Rice House, the total calories are low. Carbohydrates include all substances which end in -ol or -ose. The diet is often very sensitive to even small amounts of these carbohydrates.

Typically, patients embark on an elimination diet under the advice of a doctor, although some people may experiment with such diets on their own to see if they can identify the root causes of their medical problems.

Food allergies can cause a wide range of symptoms including intestinal distress, heartburn , hives, rashes, and difficulty breathing; by eating an elimination diet, a patient can identify foods which should be avoided in the future.

Typically, an interview will include a full nutritional and health history, height and weight and determination of Body Mass Index, or BMI. This is a number arrived at by using a formula that factors in height and weight.

General advice was given to increase fish, whale meat, vegetable and fruit intake. Over 5 years the mean difference in serum cholesterol between the two groups was relatively large for a dietary trial – 13% and tobacco consumption was lower in the intervention group. Genes may interact with environmental toxins such as alcohol in the womb, lead, and parental smoking to cause later problems with attention span.

Raw fat is also vitally important in carnivore’s diet for optimum health and performance. Raw food is full of naturally occurring water! All the moisture needed to digest raw food is contained in raw food! Raw or cooked, you should not use a meat source that will cause the breed of dog you are feeding nutritional distress.

It has been PROVEN that the differences in per kilogram nutritional requirements of the different breeds makes it impossible for any one diet, including a raw meat diet, to be nutritionally correct for all dogs.

Additional impacts on the environment from a meat-eating diet are the pollution of our water and air. All of the livestock being raised throughout the world produce enormous amounts of manure and urine, which in turn pollute natural resources. Additionally, these advocates endorse …

Medicare & Medicaid Doctor Directory – How to Find Doctors Who Accept Medicare and Medicaid

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If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.

Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.

Not only that, but private insurers are not longer willing to “subsidize” public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.

As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.

There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.

So, how do you find a doctor that will take new Medicare/Medicaid patients?

Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.

To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.

You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.

Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.…

Health Drink Supplements, Benefits of Health Drinks

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Ten years ago your lucky to even find one health drink supplement out there, and one that had any good benefits to them. If you look in any store from your local health food store to 7-11 you will find endless amounts of these drinks. Within the next five years these nutritional health drink supplements will be a trillion dollar industry and everyday people like yourself can make a good living and retire early by being involved with one of these companies.

 Now some of these drinks are nothing more than a good shot of sugar that give you some energy for 3-4 hours at best, and basically replaces a cup of coffee at the time. But there are a few good companies that have some scientific discoveries and testimonials of their product that have a lot of benefits to them, and have had alot of research involved into their product.

 These health drinks are now being incorporated into your daily diet and replacing coffee, juices, and even daily vitamins. Some of the benefits include rejuvenation, improved eyesight, anti-aging, increased mental clarity, anti-oxidant, anti-inflammatory, blood cleanser, helps immune system, eases pain, good for the heart and even might help slow certain cancers.

 Now my advice to you is to research the product and find testimonials of the benefits these drinks are doing, because I myself have tried these drinks and know first hand of the health benefits they are doing for me and others I am in contact with. The more testimonials you find the better, and not everyone in this world is the same. What helped cure someone of a specific benefit doesn’t mean it will help you in the same way, you might have a different benefit it will help you with.

 Also instead of being just a product user of this health drink supplement you believe in, check out to see if it’s possible to run your own home based business as a marketer and distributor of your product. There are many people today earning 5 figures a month network marketing these drinks, and if this business is going to be a trillion dollar business, why not get your piece of that pie as well.…

Are You a Wolf, Collie Or Show Dog?

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Take a moment and think about shopping around the holidays … what thoughts and emotions come up for you? Do you think back to you and your girl friends getting together and having a great time as you browsed the specialty stores … or are you the the gal who always looks for the holiday sweaters and matching jewelry so you look like an escaped elf. ..Or does just the thought of being around all those swirling masses of people make you happy that you do all your shopping on line?

Why these different responses? Well, all those people together in one place can be seen as a mass of energy swirling and whirling about. We've experienced this before, whether it is a beautiful sunset that relaxes us and brings harmonious sensations or the nagging co-worker who seems to suck the life right out of anyone and any situation, we take in energy from the people, places, and things that surround us. This energy can either lift us up or hold us back if we do not understand how we internalize it, or use it.

We have found in our practice that people will fall into one of 3 categories of how they relate to the energy in their environments. For clarification, we have classified them three ways, technical / animal totem / and human trait. This is what we have discovered:

1.) Low / Wolf / Therapist. This is the person who functions best when given a task and then left alone to complete it. She has 1-3 friendships that go very deep, in fact she knows just about everything there is to know about each person. She thrives on one-to-one interaction and her friends will seek her out for her wisdom and knowledge when they have a challenge. The thought of large crowds can be too much for her (too much energy coming in all at once) and she will avoid them if she can. The shadow side of this aspect is that she can pull too far in and become hermit like or reclusive in her ways.

2.) Medium / Border Collie / cruise director. Here we have the person who thrives in groups. Her friendships will not go as deep as the low connector, yet will still be close with a few more in number. She is the person that if you need something organized, she's your gal. The shadow side of this aspect is that when her life gets out of control (usually because she has taken on too much) she gets really good at managing others but not managing herself. Before people will take her advice, they will look to see if she actually walks her own talk.

3.) High / Show Dog / Hollywood Star. The bigger the spotlight, the better she likes it. She really does not have any "deep" or "close" friends, instead choosing to live by the motto, "the one with the biggest rolodex wins!" This is the women to …

Healthy Diet

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One of the important things you can do for your overall health is to eat a healthy diet. Your diet affects your weight and increases your risks of health diseases. Deciding a healthy diet is easier to say than to do because it is tempting to eat less healthy foods. Different people decide different healthy diet because you might eat this kind of diet while others just cannot stand the food you eat and find its alternative. That’s what health experts are here for, to let us know which food are healthier than others.

What are the principles of healthy eating?

Know What Healthy Food Is and How You Should Eat

When pursuing a healthy eating plan, you should remember the following:
1. Try and Eat a Variety of Different Colored Food – You should remember that different foods have different nutritional values. Food can be rich in antioxidants or Vitamin C. So, when you go to do your regular weekly shop, try and see what different colored foods you can pick up.

Down the fruit and vegetable aisle you should see greens, yellows, oranges and reds. You should have as much of a color variety in your trolley as you can. For example, when picking out fruit pick up strawberries, oranges, pineapple, apples, blueberries and bananas and you will notice what a large color selection you actually have. The same goes for vegetables. Basically, more color means that it is better and healthier for you.

2. Eat Foods from All Food Groups – The problem with many diets these days is the fact that they tell you to cut certain foods from certain food groups, out of the diet altogether. This means that you lose important nutrition and don’t eat as healthy as you could be. So, the answer to a healthy diet is to eat a variety of different foods.

Generally, fruit and vegetables should make up the main portion of your diet but you still need carbohydrates such as potatoes, meat or fish and a little bit of fatty foods like flaxseed oil which many experts recommend as part of a good fat diet. Overall, a diverse mixture of all food groups is needed for a healthy diet!

3. When You Need to Eat Snack, Do It on Healthy Foods – It doesn’t mean that just because you want to lose weight, you’ll have to skip your snack. In fact, snacking can actually be quite good for you just as long as you are eating the right foods.

Generally, when we want to eat snack, we reach for a biscuit or a packet of crisps. However, if you want to eat a healthy snack, then you will have to swap those for nuts, seeds or fruit and vegetables. That way you will get energy, you will also be full until your next meal time and it will be completely healthy.

Since you know what foods you like and what you don’t, you really have to decide for …

The Macrobiotic Diet

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In your search for the latest diets and trends you have surely uncovered many different programs, which assuredly provided varying levels of success and legitimacy. Standing apart from these is the macrobiotic diet, a nutritional plan that has actually been around for a very long time. The diet once included strict regulations and restrictions, but has since been infused with the knowledge of nutritional needs and body health. The result is an exciting program which sticks to the basic fundamentals of the original while ensuring your body gets a full range of nutrients and healthy, essential foods.

To begin with, the macrobiotic diet is actually just a specific kind of vegetarian diet. It's going to focus on a few specific food groups and areas and like basic vegetarian programs you will not be able to eat any dairy or meat. Many vegans also utilize the macrobiotic system, however that is an additional, unnecessary step if it's not to your liking.

The largest element of your diet is going to consist of nutritious and healthy whole grains. You'll essentially be cutting out all of the junk from your diet, which includes processed foods and white breads which provide little to no nutritional value. You will be able to occasionally indulge in some pasta or something of that nature but only once a week or so to keep your body as healthy as possible. Whole grains will account for 50% -60% of your total calories.

Following whole grains is fresh vegetables. Vegetables are of course a major part of any health or diet program. In the macrobiotic diet it's important to cook the vegetables in a healthy way, meaning you boil or steam them or even sauté using a minimal amount of oil or dressing. The key is to avoid adding extra calories that frying or dressing provides. Adding to your vegetable intake will be beans, soy products and fish, which provides both essential omega 3 fatty acids and protein.

You'll also be eating a lot of soup in the macrobiotic diet. Soup is extremely healthy because it can pack a potent nutritional punch but it can also fill you up easily with only a small amount of calories. Broth based soups are used rather than creamy or thick soups, and miso soup is the most popular choice for its nutrient rich soy base.

Despite how many vegetables you'll be eating you will not be eating that much fruit. Fruit actually contains a lot of carbohydrates and sugars. When you do eat fruit, you should avoid choices such as mangos or pineapples, instead opting for less exotic local fruits. Have fruit as a sweet desert or treat and avoid other sweeteners such as sugar or honey which provide the calories without the nutrients.

All together, the macrobiotic diet should significantly decrease the total number of calories you eat every day without making you feel as if you're cutting back. The diet will be very high in fiber and very low in fat. …

Detox Diet: Does It Work?

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A detox diet is a dietary regimen to clean the body, by removing toxins and other contaminants. We hear stories of former addicts and celebrities who vouch for the effectiveness of this diet. It is claimed to improve health, energy, resistance to disease, mental state, digestion, as well as aiding in weight loss. However, scientific research has found that detox diet can cause side effects to the body, especially in young adults.

The argument surrounding the detox diet is that the toxins do not get removed completely by excretion. They tend to remain in the digestive, lymphatic, and gastrointestinal systems of the body. These toxins are noxious chemicals which can prove to be very harmful for your health, causing tiredness, headaches and nausea. So, the claims made by people and celebrities about the effectiveness of this detox diet remain cloudy. These supporters suggest that one should stop taking certain foods which bring the harmful toxins to the body, thus cleaning the body of toxins.

The detox diet mainly stresses to follow some kind of fasting, in which you have to stop taking certain foods for some time. After a few days you can reintroduce them in your diet. To cleanse the toxins, this detox diet encourages the use enemas and herbal supplements.

In a detox diet, the person is put on liquid diets for a few days. After about a week he is given a diet of fruits, brown rice and boiled vegetables. Other foods are also introduced gradually, but some foods like eggs, red meat, sugar and other junk foods have to be avoided.

People supporting this detox diet say that it helps to detoxify all the harmful toxins from the body. But there is still no evidence that supports this claim and moreover, there is also no proof that shows that the elimination of toxins from the body can keep you healthy and strong.

A detox diet should not be followed for the long term but only for a short period for beginners. Teenagers and young adults should not go for it because these people need a lot of proteins and carbohydrates for proper growth. By fasting and going on this diet may affect their health adversely.

Another disturbing factor about a detox diet is that it can be addictive. Those going for it may suffer from eating disorders, as they tend to keep away from food. Also, laxatives are frequently used in these diet plans which can cause frequent passing of urine, dehydration, mineral imbalances in the body, and other digestive disorders. Metabolic processes also slow down when you fast, leading to weight issues.

Although the detox diet does have certain advantages, avoiding foods which are essential for growth and for your health is not a very wise decision.…