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What to do if Your Employer Does Not Provide Health Coverage

It is painful to not have medical insurance because you know that you are not going to be able to afford the health care you need if you become sick or injured. That means you are probably sitting around all of the time hoping you don't get sick or you don't break something. In the end, you're probably going to acquire an ulcer from all of the worrying and then you won't be able to get that treated either. What if your worries run you into a condition such as hypertension or you have a heart attack someday? What if the reason why you don't have health insurance is because your employer doesn't offer it or you are in the middle of a lengthy waiting period? If that's the case, then there's good news.

Supplemental health insurance can help you when you don't have medical insurance to take care of your health needs. Basically, supplemental health insurance pays you a cash benefit if a qualifying event or condition occurs. What it covers depends on the plan that you choose, but what it does is give you coverage where you may not have any otherwise.


You read above where a person may not have medical insurance through their employer or they have to endure a waiting period before they are covered. There are other instances in which supplemental insurance comes in handy:

- When Canadian residents visit the United States, they frequently get what is called visitors health insurance. What this does is it covers them while they are visiting the United States and protects them from the high medical costs in the case of an illness or accident. There have been individuals in the past who have visited the U.S. and been in a car wreck or came down ill. When taken to the hospital, they find that the healthcare offered by the Canadian government does not cover treatment within the United States. What happens is that person is slapped with a large medical bill that can be thousands of dollars. With supplemental health insurance such as visitors health insurance, this doesn't happen.

- People travel quite often, but the insurance in their home country will not cover them in another country. That is when they purchase travel health insurance. That means they're going to be covered in the countries that they visit and not be stuck with huge medical bills in case they need medical treatment. It works the same as visitors health insurance. The only difference is that travel health insurance is for the length of time in which the individual is traveling abroad.

From these two instances alone, it is easy to see how these two types of supplemental health insurance really come in handy. You would be amazed how many Canadians refuse to visit the United States without acquiring visitors health insurance first. The urgency is probably great than those who actually seek out travel health insurance, although travel health insurance is becoming more prevalent amongst travelers because they realize the scope of not having medical insurance while traveling.

A wise choice

So now you can see that supplemental health insurance is certainly a wise choice. It even acts as a supplement to any existing insurance that you may have. If your regular medical insurance does not cover a specific item, then you can choose a supplemental plan that does. That way you know that you are covered in one way or another when you are receiving medical treatment. That also means that you can relax a little bit and not worry yourself until you're sick.


Effects of Constipation On Your Health

There is one topic that most people do not like to talk about and that is constipation. The truth is that there are many of us suffer from it every day and this can prove to be a major problem in our lives. As all of us know, there is nothing any more miserable than when we cannot go to the bathroom. Some of its causes include eating unhealthy foods in our daily diets and living an improper lifestyle. Many people are so intent on eating all sorts of foods that they do not even realize the effect that they are having on their bodies until they have some sort of illness such as constipation. Once you develop constipation, it is not an easy task to get rid of and it will take a strong effort and self-discipline by you to conquer it.

Having bowel movements more frequently than you normally should is said to be constipation and it is defined as having difficulty or pain when passing stools out of the body. This causes your body to feel bloated and irritated. Constipation is usually a temporary condition, but when it takes place frequently, it can lead to grave illness and other major health risks. This is the reason why it should be prevented and cured at all cost.

When a person cannot pass stools normally out of their body, it can lead to health problems such as trouble with the colon. When the colon gets full of toxic wastes because they cannot pass out of the body, this can have a huge effect on all of your other bodily organs because your blood can also become contaminated with toxic wastes. This causes your organs to not function properly and this can make you vulnerable to many diseases.

We have all been taught that bowel movements are something that we should experience once a day, but this is not true for all people because there are different bowel movement behaviors. There are those who have two or three movements a day and this does not mean that they are constipated. Several factors can influence frequency of bowel movements patterns such as stress, medications , exercise and lack of sleep.

There are many health experts who believe that we can gain many health benefits from colon cleansing and preventing constipation. This will also protect us from getting other illnesses and diseases that could have a huge effect on our health. The colon needs to be cleansed of toxins and that way, it will not only be healthy on the inside, it will be healthy on the outside as well. The colon provides water and nutrients to other parts of your body and when it becomes toxic, it degenerates all other organs in the body.

Constipation is something that has been a mainstay for many years and it has touched each one of us at some point in our lives and as previously stated, it is not an easy problem to solve. There are things that you can do to reduce your chances of developing it. Eat plenty of foods that are rich in fiber and make sure to drink at least eight glasses of water a day. Also, make sure that you get some type of daily exercise and avoid smoking and being stressed. If you do experience constipation, you can use laxatives, but make sure not to get dependent on them as they can have certain side effects on your body.

I hope that you enjoyed this article and if you would like some great free information on eating healthy, than please visit my web site where you will find some useful tips to help you live a long and healthy life.


Electronic Health Records and Medicare

The move to get Medicare health records into the electronic health records arena started back in May of 2008. It happened when the Secretary of the Department of Health and Human Services gave a directive to the Centers for Medicare and Medicaid Services.

Basically, the Secretary told them to make a plan, which he called a demonstration imitative to make raise the quality of health care Medicare recipients received. There was a reward system involved in this demand for the organizations that the CMS would get involved in developing this system of health information technology for CMS in twelve states.

The Secretaries idea was that using electronic health records would vastly change the methods for practicing and delivering medicine. Along with improving the care that Medicare recipients receive it would net a big monetary savings for the government. The point of the plan was to encourage doctors to adopt electronic health records as their means of record keeping.

The directive said to get different local organizations picked as partners in the community to implement the demonstration. The organizations for each of the twelve states in the project had to already be working to make use of electronic health records the norm. These organizations needed to be involved in dealing with the medical people in a given area before becoming part of this project and in particular in relationship with primary care physicians. This could be an association with professional medical associations.

Examples of the types of organizations that would qualify to be part of this project to expand the use of electronic health records are Better Quality Information to Improve Care for Medicare Beneficiaries and Charted Value Exchange.

The job of these selected organizations was to organize a local area to get doctors cooperating in using electronic medical records. Around 2400 medical offices in the range of small to medium recruited into the project are the goal.

This is a test project to see how it would work and how-to proceed. A control group was assigned and the others were picked randomly. The places where the demonstration is conducted have two hundred medical offices participating. Four states were put in motion to begin with and in 2009 the other eight will be implemented.

It seems that if the demonstration project goes will in the eye of the powers that be then Medicare Services will be a large example of how using electronic health records improves a patient's quality of health care and an example of the large savings to be had when that record keeping system is employed.

People that are concerned about the state of health care in the United States would like to hear more about how this demonstration is proceeding. It is important for Medicare beneficiaries, the taxpayer, and the medical community to know what actions will improve the overall health of the citizens of this country, including those on Medicare. Especially at time in our countries history where many people don't have access to good healthcare and when the U.S. government has a huge deficit. The source of this information is the Centers for Medicare and Medicaid Services where more details can be obtained.


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