MEDICAL BANKRUPTCIES: WHAT YOU CAN DO TO PROTECT YOURSELF
First the bad news: about 2,000,000 personal bankruptcies each year are caused by unexpected medical expenses. Of all those people, 1,500,000 have (or had) health insurance before they ran into difficult financial straights.But wait a minute. Isn't the whole idea behind health insurance - security? The financial security that comes from knowing that you're covered if something goes wrong with your body? You say you're covered, but what if your medical "situation" exceeds your policy limits? Then what?No one wants that to happen, so the question is: are there other options? For instance, is there a way to "insure" against getting sick in the first place? Most people assume that's not possible, but personally, I disagree. Several years ago my wife Sandy and I stumbled onto a very unusual health product. We both had our own experiences with it and have seen it work miracles for others.
But before going there, I'd like to explain something. To me, health insurance should be about staying healthy. In China, for instance, doctors used to be paid only if they kept you healthy. That's what I call real health insurance. And although the U.S.
has some of the best-trained, dedicated physicians in the world, heart disease, cancer, strokes, and autoimmune diseases are all on the rise. Clearly, our health isn't being protected - at least not to an appreciable extent. The medical paradigm in the U.S. is mostly about treating symptoms, not fostering health. And while we're all very grateful to doctors for all their efforts, symptom treatment is intrinsically short-sighted.
If symptom treatment was effective in restoring health, people would be getting well and staying well. But that's not what usually happens. There's a growing movement of people who've recognized the shortcomings of the traditional medical/pharmaceutical "health" model. They're not stupid. For instance: 106,000 annual deaths from properly prescribed prescription drugs sure got my attention when I heard the news.
Check it out on the net. It's a fact.OK. So everyone knows there's a problem. Again, the question is: are there options out there and if so, what are they? As I was saying earlier, there is an option. I can say that because I have personal proof.
Four years ago, I was diagnosed with a heart condition called atrial fibrillation. It wasn't painful per se, but the irregular, spasmodic poundings inside my chest were very disconcerting. My wife Sandy and I were in Maui when a friend of ours told us about something called glyconutrition. Now, I'm a fairly open-minded kind of a guy and I've been interested in health supplements for a long time, so I decided to try it. (By the way, nothing I was taking before then was helping my heart condition).
After a few months, the condition went away. It hasn't returned since. Sandy also had a positive health reversal. She was in a lot of pain from neck surgery she'd had seven years earlier. She also decided to try the glyconutrients.
It took a little longer for her, but her pain subsided and surgery was avoided.
My point in telling you these two stories is that we saved a ton of money and who knows how much pain and suffering by not having to undergo surgery. I don't know if my atrial fibrillation would have led to a worsening condition requiring surgery, but I do know that Sandy was considering a second neck surgery before we heard about glyconutrients. Since then, we've learned a lot more about the science behind glyconutrients and why this new category of nutrient is turning around so many health conditions for so many people. Even highly trained medical doctors and surgeons are taking notice.
Case in point: Dr. Ben Carson is the department head of pediatric neurosurgery at Johns Hopkins Medical Center. A severe form of prostate cancer led him to discover glyconutrients. Long story short: he attributes to them his complete recovery. He now recommends glyconutrients to all his patients, to his staff and others as well.
Without going into a lot of complicated detail, science now has a pretty good idea about why glyconutrients seem to be helping so many different kinds of health conditions. The bottom line is this: enhanced cell-to-cell communication. Glyconutrients provide the body with highly specialized building blocks that the body transforms into communication molecules that all cells use. Without an adequate supply of these molecules, communication starts to break down and illness starts to creep in. The reason glyconutritional supplements are so effective is this: our diets suck.
Let me explain. If we got all the nutrients we needed in our diet, we'd rarely get ill. By the way, the scientific evidence to support that statement is huge.But because 90 percent of the food we eat is processed (devoid of essential, health-promoting nutrients) and for a number of other reasons, we're not getting the nutritional build blocks our bodies need in order to stay disease-free. Bottom line: understand the powerful relativity between the nutrients we consume and the state of our health. So to reiterate - there are options for warding off illness and medically related bankruptcy.
Just don't look for them in the current medical - pharmaceutical - health insurance paradigm. Look for them in the emerging science of glycobiology - the same science that's starting to describe the cellular mechanisms behind the major health recoveries that thousands of glyconutrient users are now reporting..
David Lear is an independent nutrition researcher and free-lance writer. His main interest is in cutting-edge supplements that improve health and reverse illness. For further information, visit http://www.glycoresults.comWHAT IS RENTER'S INSURANCE & DO I NEED IT?
If you are moving into an apartment you may want to consider investing in insurance. Along with the first month's rent, chances are you will be asked to pay a security deposit. This is a type of insurance for your landlord. The landlord can use this deposit to pay for any damages caused during your residency. For you, security comes in the form of renter's insurance.Most renters use the homeowner's form of insurance known as the HO4 policy.
This policy will typically cover furniture, clothing, and most personal property in the event of fire or smoke, lightning, vandalism, theft, explosion, windstorm, or water damage from plumbing. In most cases, the insurance company will take your word for what you think your property is worth. However, if you're wanting to insure your jewelry, art pieces or other collected items, you might need to pay extra for what's called a "Scheduled Personal Property Endorsement." For this type of coverage, the insurance company will send out an appraiser....
WHAT IS RENTER'S INSURANCE & DO I NEED IT?
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Zywave? Technology Tool Engages Consumer’s Role in Health Plan Choices
Milwaukee, WI (ContentDesk via HRMarketer) August 2, 2006 -- Insurance brokers can offer personalized planning solutions to employers quickly and easily thanks to PlanAdvisor", a benefits management tool from Zywave, Inc., a leading provider of technology products and services for insurance brokers.
Zywave has developed a benefits management tool called PlanAdvisor" specifically for insurance brokers to offer personalized planning solutions to employers quickly and easily. It features a Plan Selector module for employees to review their own health cost estimates and make effective enrollment decisions, giving them a more active role in their health care choices. Employees access Plan Selector from a link sent to them by their employer or via a posting placed on HRconnection?, an employee information portal that is also available from...
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19th Century Office Unveils 21st Century Web Site: Northwestern Mutual’s Tim Bohannon Announces Debut of Bohannon-Group.com
Eagan, MN (ContentDesk) January 16, 2006 -- The Bohannon Group, a Northwestern Mutual Financial Network (NMFN) office with roots reaching back to 1883, has launched an improved Web presence, announced Tim Bohannon, Managing Partner of The Bohannon Group. The site, which uses todays technology to deliver both current information and messages that have resonated for more than a century, is intended to appeal to clients, both prospective and current, and professionals looking for a new career. District Network offices that Tim Bohannon oversees include Minnesota offices in Edina, Mankato, Marshall, and Rochester and Wisconsin offices in Eau Claire and La Crosse.In addition to an enhanced graphic interface, www.bohannon-group.com offers more in-depth information about Tim Bohannon and The Bohannon Group, links to information about the organizations...
19th Century Office Unveils 21st Century Web Site: Northwestern Mutual’s Tim Bohannon Announces Debut of Bohannon-Group.com
Car insurance > 19th Century Office Unveils 21st Century Web Site: Northwestern Mutual’s Tim Bohannon Announces Debut of Bohannon-Group.com
California Health Care Solution Provided by Growing AmeriPlan? Program
AmeriPlan?, one of the nation's leading consumer-driven health care programs, has added over 100 medical service providers in California in the last two weeks, expanding the network of medical providers affiliated with AmeriPlan's California health care program and providing a broader choice in medical professionals for AmeriPlan? members.The AmeriPlan? health care solution is an alternative for the over forty million uninsured or underinsured individuals and families in America.
According to The National Coalition on Health Care, "By 2006 the average family health insurance premium will exceed $14,500; premium costs will have increased by more than $5,000 in just three years."
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California Health Care Solution Provided by Growing AmeriPlan? Program
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WorldSki Offers Savings of Up to 50 Percent Off of March and Easter Ski Holidays
(ContentDesk) February 19, 2006 -- WorldSki have introduced to its online booking site worldski.co.uk, new excellent value prices for ski special offers with fantastic savings of up to 50% for accommodation-only at a variety of apartments and hotels in Europe and North America.
A leading independent Ski and Snowboard operator, WorldSkis special offers feature a variety of the worlds best ski resorts and include a number of different departure dates for March and Easter skiing with the half price deals available to Europe from as low as ?69pp for 7 nights accommodation in the famous Alps resort of Alpe dHuez. The value continues with their North American resorts with the trendy and chic resort of Aspen in the USA starting from as low as just ?193pp for 7nights accommodation or a week at the Brewsters Mountain Lodge in Banff in Canada from just ?253pp both examples of the superb choice and value for money available for long haul ski holidays.As these deals are part of WorldSkis...
Car insurance > WorldSki Offers Savings of Up to 50 Percent Off of March and Easter Ski Holidays
A business support service opens in Tampa, FL.
September 8, 2003 -- In the past the solutions for a business owner without the resources to hire a full time employee have been rather limited; either hiring an expensive temporary employee or inheriting all of the costs and responsibilities that come along with full time support, or even worse turning away work. Simplified Business Solutions offers many ways to simplify your business, and streamline your production. We provide solutions tailored to your specific needs, in all areas, from administrative assistance to technical support and even large-scale systems implementation. SBS is a customer focused, service driven company capable of handling the varying needs of today's dynamic business world. Services provided by Simplified Business Solutions include:?Administrative Support?Event and Meeting Planning for business as well as personal?Notary Public service?Word processing?Personal Assistance?Scheduling?Presentations?Web Site Design and maintenance?Graphic design?Technical SupportWe...
A business support service opens in Tampa, FL.
Car insurance > A business support service opens in Tampa, FL.