Importance Of Medical Tests Before Buying Medical Insurance

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A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

Ipl Acne Therapy Treatment

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IPL uses a more sophisticated type of technology that involves a xenon flash lamp and optical prisms. This method targets the damaged cells that lie deeper within the skin and avoids irritation of the surrounding tissues. A technician begins by placing cold gel on the affected area and then positions the lamp above the surface of your skin. This lamp will send light pulses to the skin. The IPL process usually lasts 15-20 minutes and depending on the level of achievement you’re looking for, can require one or multiple sessions. There are some side effects, as with all treatments, that you should be made aware of. IPL sessions can cause light bruising, mild blistering, pink skin and even hair loss.
How does IPL work for acne?

There are three forms of IPL therapy for acne – LHE Therapy, Blue-Light Therapy and IPL with medication. The choice will depend on what results you’re looking for and what your dermatologist suggests as the most effective for your individual acne spots.

LHE therapy uses both heat and light as the source to treat acne. The FDA has actually approved one IPL treatment that involves green light waves and heat. This form of IPL is meant to treat mild to moderate acne and more than likely, over a period of time. The whole process has been known to reduce the size of oil glands and kill the dirt bacteria in pores that create acne.

Blue-Light therapy is similar to LHE minus the UV radiation. It only makes sense that less UV radiation equals less damage on your skin. This form of IPL will have the same effect on killing the dirt bacteria but with less side effects than the LHE therapy. According to Robin McClain, who is a registered nurse practitioner from the University of South Florida, has reported that this form of light therapy is best used for acne vulgaris. As with all other treatments, blue-light therapy does have side effects such as dry skin and/or temporary pigmentation change. A process of eight sessions over a 4 week time period should be allowed for visible results.

Lastly, we have IPL therapy with a mixture of medication. (Again, we stress that you should consult with your dermatologist in order to make an educated decision on IPL.) The medication that is involved in this process is activated by way of pulsed light. A few hours prior to the process ALA (the medication) is applied to your skin and a numbing agent will also be used to reduce pain and/or a stinging sensation during the process. The numbing agent is typically applied an hour and a half prior to the treatment. The actual treatment is concluded in 20-30 minutes. Side effects are possible and involve slight bruising and pink skin. The recovery time usually lasts no longer than one day.

The Benefits Of Medical Alert Systems

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Currently federal regulators are considering overhauling 911 emergency services to improve response times and efficiency. However, some individuals with elderly relatives that live alone have opted to take action on their own by purchasing a medical response system.

Medical attention within the first 90 minutes of a heart attack, stroke or a fall enhances the chances of recovery for the victim. With an average response time between 30 to 45 seconds, medical alert systems do their best to ensure emergency personnel arrive on the scene in speedy fashion.

Personal Emergency Response System (PERS): The Basics

Known as senior alarm systems among other names, PERS are devices allowing individuals to receive assistance in the event of an emergency. Medical alarm systems typically consist of two components:

Help Button: A wireless device that can be worn on the body as a pendant or wristband.

Communicator: The base unit of the system. This two-way device plugs into the user’s home telephone line.

In the event of an emergency, users can activate the system by pressing the button on their wireless device. An emergency dispatcher then responds to the call, directly speaking with the user via the two way speakerphone on the communicator. After determining the kind of help needed, the dispatcher has the option calling someone on the user’s emergency call list. This list typically includes up to three people who are available to assist the user if contacted by a dispatcher. In emergency situations or if verbal communications with the user cannot be established, the dispatcher will proceed to immediately contact paramedics.

A Sense of Security

Research shows medical alarm systems provide users and their families with a sense of security. But this sense is more than just a feeling, as one study found medical monitoring systems drastically reduced mortality rates and cut hospital use by nearly 60 percent.

Despite the benefits medical alarm systems provide to older adults, only 16 percent of seniors participating in the study had a PERS in their homes. With baby boomers expected to increase the elderly population to 54 million in 2020, a heightened awareness of the benefits medical alert devices offer could prolong the independence and well-being of many seniors to come.

Blue Light Therapy for Fighting Acne

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Blue light therapy is a modern discovery in the fight against acne. Unlike other acne treatment solutions such as medicated creams and expensive dermatological procedures, blue light therapy for acne is more effective, affordable, convenient and free from side effects.

Acne light therapy has typically only been available in a clinical setting, such as a spa or dermatologists office, but a recent up rise in at home treatment systems is making blue light therapy available to the masses. Tabletop lamp like devices such as the “Blue Acne Light” from BlueAcneLight.com use a powerful multi-led bulb that emits light in various spectrums that have been proven to destroy acne and heal skin. The same light spectrums used in the spa and dermatologists machines are offered in a more compact, convenient and more affordable format. Most at home blue light therapy solutions range between $200 and $500. If you compare that to the cost of a spa or dermatologists treatment, which can be anywhere from $40 to $150 per treatment, over a course of 6-8 recommended treatment, these devices easily pay for themselves during the first treatment campaign and can be used if breakouts occur in the future.

Unlike many so called “acne treatment solutions”, blue light therapy is clinically proven effective by independent testing done by the British Journal of Dermatology and has been approved as an effective form of acne treatment by the FDA. It has long been known, and you have likely experienced that when you expose your skin to the sun for a moderate period of time, whether it is naturally or via a tanning bed, acne seems to improve or clear up. This is because of the natural blue light spectrum that the sun provides, even though you don’t see it as blue. The disadvantage to sun exposure and tanning is of course the artificial aging of your skin, not to mention the risk of skin cancer. Blue light therapy focuses specifically on the spectrums outside of the UV range that kill acne bacteria.

It has been proven that blue light in the 405nm-420nm spectrum actually kills Propionibacterium Acnes (P. acnes) bacteria. P. acnes bacteria create tiny molecules called porphryins. When porphyrins are exposed to blue light they produce free radicals that kill the bacteria that cause inflammatory acne. It sounds quite complex, but it’s a wonderfully simple solution.

Much like blue light, red light also has natural healing properties. Red light effectively speeds up the skins natural healing process and prevents scaring. The root of red lights healing properties is that when red light is absorbed into the skin it increases blood and oxygen flow. This increased blood and oxygen flow allow scars and blemishes to disappear much quicker than normal. The higher end home treatment Blue Light Therapy solutions on the market combine the acne fighting powers blue light with the healing powers of the red light, and effectively become a “destroy and heal” solution, exactly what it takes to clear up problematic acne.

A Medical Call Answering Service Meets The Needs Of The Health Care Industry

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There are a number of important things to consider when running an efficient medical facility. Medical professionals typically receive high call volumes that need to be handled by knowledgeable staff. Contemporary medical practices enlist the assistance of a medical call answering service in order to ensure proper client care from the moment a potential patient contacts their facility. This is quickly becoming the most reliable and proficient way to field calls from patients around the clock.

Medical practices cannot take the risk of relying on voicemail or answering machines. Even those facilities that are not emergency clinics or that do not typically provide urgent care can never be sure when one of their patients will call them with a pressing concern. For a successful medical business that people can rely on, it is important that your patients have 24-hour access to a professional medical call answering service even if your clinic is only open during the day. This will guarantee that they are given proper instructions to receive optimum care. A professional medical call answering service will ease the burden of scheduling appointments, answering medical questions when possible, making sure that medical emergencies are dealt with properly, and directing calls when necessary.

Be sure to enlist the help of answering services specifically geared towards providing medical assistance. A medical call answering service that is HIPPA compliant is a necessity. HIPPA law requires absolute patient confidentiality, which will guarantee that your practice stays within legal guidelines and that your patient information will be treated with integrity.

Nurse telephone triage service is another essential component for running a professional medical facility that meets patient needs with the greatest care. Before enlisting the help of a medical answering service, make sure that they are connected with a nurse telephone triage unit who will be able to assess the urgency of patient calls. Highly trained nurses will have a deep understanding of how to determine which patients need immediate care. The ability to prioritize patient care will be invaluable to your medical practice.

Employing a competent answering service trained in handling medically-related calls will give you peace of mind knowing that your patients are being cared for even when you are off the clock. When you are working, such services will also allow you to focus on your patients without distraction as calls are fielded by professionals highly trained in serving the health care industry. A reputable medical answering service will become a reliable extension of your facility.

Funny Videos – A Therapy To Stress

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There are many stress related activities that people engage to these days. That’s the reason why an increasing number of people complain that because they have been living a stressful life for years and tears now, they’re having and experiencing health problems. However, unless you are taking it out yourself from your system, there really is no effective medicine when it comes to stress But the question is, how do you bought about that?

Most of the time, stressful individuals look for ways on how they will be able to break free from all the responsibilities and all the worrying activities that they must do everyday of the week. Actually, breaking free doesn’t must entail having a budget for you to go outdoors, spend time with your friends, and spend more money (for the reason that spending money is stressful as well).You could get away from stress even for just a couple of minutes of your time on a daily basis, and that’s through watching funny videos. There are several sites online which enables you to view or upload almost every kind of video that contains every single, information, news, or any other form of entertainment you can think of online. And why don’t you opt to watch videos that can actually make you laugh since one good therapy to stress is laughter.

Of course we know that the concept and the definition of being funny varies from one person to another. So, if it is possible to have access to a site that sorts out such funny videos in different categories for convenient viewing, why don’t you take advantage of it. Such funny videos will allow you to become independent from from anything that has to do with your personal life or your stressful work. Almost certainly watching two or three videos will give you time to make fun of other people’s funny moments and cause you to smile again. It’s not that hard for you to find ways regarding how to make things in life a little bit lighter to handle. All you need to do is to search for possible therapeutic activities that’s fun and also can give you a positive outlook in life; like for example watching funny videos online, and you will definitely have the capacity to get out from that stressful feeling everyday.

Florida Medical Spas Regulators Look Beyond the Surface

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There is no such thing as a -medical spa- in Florida. True! They are not uniquely licensed. In fact, they are usually not licensed at all because (1) they are owned and operated by licensed healthcare professionals, and/or (2) they do not file claims for reimbursement with health insurers. And they are not a regulated entity.

What then is a -medical spa-? It’s simply a place where people receive traditional spa services (e.g. facials), plus many other medical procedures, typically focused on cosmetic services (e.g. hair removal, Botox). It’s -medical- because of the nature of the services provided. It’s -medical- because (ideally) physician supervision is woven into the business model.

The trickiest part of medical spas for owners/operators is ensuring just two things: (1) that the professionals providing the services are doing so in a manner that doesn’t violate their licenses, and (2) those professionals have proper physician supervision. Each licensed person who typically works in a med spa is bound by statutes and regulations that govern what they can do and the degree (if any) of physician supervision required. The -scope of practice- regs applicable to PAs are different that those which apply to NPs or MAs for instance. The level of physician supervision is dictated not only by the license of the supervised professional, but also what the professional is doing. Rest assured, however, that the belief that such -formal- things do not apply because the patients pay in cash is not only untrue, but also a recipe for being shut down and prosecuted.

Other big challenges for med spas tend to be-

?Fee splitting arising in connection with how the professionals are paid (especially when they are paid on a percentage of collections basis)

?The Florida Patient Self Referral Act, which in part may limit to 50% the amount of physician ownership if the physician is in a position to refer to the med spa.

Regulatory scrutiny can be expected to increase in coming years, especially as the media shines light on client injuries (typically burns from laser services) and the scope of services expands to include things like hormone replacement therapy (HRT), which traditionally involves telemedicine related issues. Med spa owners would do well to take seriously the many intricate (and disconnected) regs applicable to the licensed professionals who work in med spas and the physicians who supervise them.

Visit us online for more articles and information regarding healthcare regulatory and legal topics!

Physical Therapy for Preventative Care

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There are many different fields of physical therapy which can assist with preventative care and health and wellness. Physical therapists specialize in different areas such as orthopedic, geriatric, neurological, cardiovascular and pulmonary, pediatric, health and wellness and other types of rehab therapy. A physical therapist does more than treat injuries and disabilities that result from illness. Physical therapy also involves research, patient education, counseling of patients, and developing new ways of using physical therapy, as well as developing treatment plans which are personalized for each patient.

Physical injury and pain is common in all types of people which is the main reason physical therapy profession exists. However, physical therapists also take a sincere interest in the overall health and wellness of their patients which means they are capable of providing preventative care. So, if you are wondering how physical therapy can help you with preventative care here are a few reasons why you should seek physical therapy as early on as possible.

See a Physical Therapist Regularly

Just like you schedule a regular check-up with your physician as a preventative measure against illness, the same rule applies to physical therapy. You should schedule a regular check-up with a physical therapist to prevent pain and injury from becoming a chronic problem.

A physical therapist can evaluate the status of your health through a detailed evaluation of muscular, skeletal, neurological, cardiovascular and pulmonary, and other parts of your body. If the physical therapist finds a weakness they will recommend a personalized treatment plan. This prevents the problem from getting worse and requiring further treatment. Many people do not think about the option of seeing a physical therapist regularly because they think this type of rehab therapy is only for disability and injury.

Prevent Surgical Treatment

If a physical therapist detects a problem early on it can be treated with the proper rehabilitation plan and prevent you from having surgery as a result of allowing the problem to get worse. This is another reason why physical therapy is important for preventative care. Not only can it keep you mobile and healthy, it can also save you the expense of surgery and medications down the road. Additionally, it can bypass further health problems that can transpire as the result of having surgery. If the procedure is not performed properly the probability of having bigger complications following the surgery are quite good.

Maintain Physical Strength

As you age you lose muscle mass and if you do not engage in a maintenance program you can end up with a host of mobility problems. A physical therapist can design a treatment plan to help keep you moving and to strengthen your muscles and bones to help you live a high quality of life well into the later years of your life. If you start the maintenance program before you begin to experience problems you can head anything off before it has a chance to take hold of you.

GP Locum – Trained and Qualified Freelance Medical Practitioners

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Are you a medical professional and wish to work in a hospital, clinic or as a private practitioner? Well it’s absolutely convenient when you choose to offer your services as gp locum. Better known as General Practitioner these locums work in the place of another medical professional till the time the expert is on leave or there is shortage of staff. These locums are also highly trained, educated and have the knowledge and skills related to the profession with just the exception that they work as freelancers. These locums are also governed by regulatory bodies and are accountable for their tasks to them. These locums can work as both full and part timers and would never let you feel the shortage of staff. These professionals fill the gap in the service delivery capacity so that the patient never needs to wait for the right care.

These locum tenens are easily available and take the place of a regular doctor thereby saving your medical facility from big losses. They ensure that proper care and treatment is provided to the patients and is well aware of their responsibilities. Highly dedicated and committed these tenens even provide an opportunity for the individual to decide which stream would be most suitable and whether the knowledge and skills of the tenens is adequate for the profile or not. If you run a hospital or any medical center and are not able to find suitable health professionals then you can easily hire a locum to fill in the empty position on a temporary basis. Locuming even offers the freelancer to try their hands in different work environments and medical fields. There are also several medical recruitment agencies which makes these locums available according to the requirement and specialization needs.

gp locums might not feel interesting for many medical experts but there are numerous benefits of being a medical freelancer general practitioner as one gets to choose the institution where one wants to work rather than working and staying in the same institution for years together. You even get to understand the work culture of various hospitals and private centers and can easily get to learn different medical techniques by working with various experienced and trained doctors.

For more information on gp locum, check out the info available online; these will help you learn to find the gp locums!

Physical Therapy Specialties Identified By Abpts

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Physical therapy has different specialties however, only a few of us may know the different physical therapy specialties. Ive further down to help you recognize the several physical therapy specialties.

Orthopedic Physical Therapy

This is just about the most important branches regarding physical therapy. Orthopedic therapist specifically deal with patients who have problems with their bone and joint system. The treatment can be done either in the hospital, clinic or it can also be done at home (in the persistence place of residence). The majority of the orthopedic patients are usually individuals who are into sports and have met incidents during the game. One particular out of 5 people of orthopedic therapy is an individual who like contact sports like boxing, wrestling, soil biking etc. workplace injuires are also common in class that is why parents of teenagers should alert their kids about sports injuries and advise them what the right thing to do during and also after an accident to avoid making the condition a whole lot worse. Its not only sorts connected accidents that this sort of therapists deal with in their job but they also take care of people who are suffering from unpleasant arthritis and those who are usually amputated.

Geriatric Physical Therapy

This type of treatment therapy is specifically concerned with assisting people who are in their sophisticated stage to deal with health problems such as cancer, arthritis, Alzheimers disease and other common elderly diseases. The main tasks of Geriatric counselors is to at least aid elderly people live their own lives comfortably along with a way that wont give a lot of problem to them or even their family members. It is usually the duty of a geriatric psychologist to assess the severity of a new patients condition as well as determine specific programs.

Neurological Physical Therapy

On the other hand, those who have neurological disorder or those who have undergone human brain injury will have to seek advice from a neurological physiotherapist in order to address frequent problems. There may be occasions when a patient who have nerve disease may suffer via permanent health conditions just like vision impairment, incapacity to walk and even paralysis which could seriously affect any persons way of life. With the right physical exercises, treatment as well as early detection the dysfunction can be addressed.

Pediatric Physical Therapy

If you can find specialists for elderly people in physical therapy, then it’s not a surprising simple fact to know that there is additionally a branch of physical rehabilitation called Pediatric Therapy. This deals with youngsters who have injuries along with inborn disorders that should be treated.