Medical authorities have estimated that about 70 % of people has a wight problem. Obesity is defined as excess body wight sufficient to increase overall morbidity and mortality. Although extreme obesity is associated with dramatically increased mortality, the risk to mild and moderate obesity are less clear. What I know is that if you carry a significant amount of extra weight to above 40 years of age, you will be pre-disposed to developing high blood pressure problems. which carries more health risks including stroke, heart disease, and renal failure. Carrying a significant amount of extra weight will also affect the integrity of the weight bearing joints, specifically the ankles, knees and hips. Changes of body weight can occur through alteration of several variables including 1) amount and type of food ingested, 2) central control of satiety 3) hormonal control of assimilation or storage 4) physical activity or metabolic rate. and 5) the use of weight loss products. Amount and Type of Food Ingested. Usually this is the first key to healthy diet. A balance of proteins and carbohydrates, fruits and vegetables are essential for good health. Avoid fatty , greasy foods and excessive sweets , like desserts. The amount of what you eat is important. To stop eating as soon as you fill full is a good practice. No second serving is advisable. Central Control of Satiety. Research showed that there is a serotonin type-3 (5HT3) hindbrain receptors which mediates cholecystokinin (CCK) -induced satiation in response to nutrients entering the small intestine. It appears that the CCK-1 and 5-HT3 receptors participate in the inhibition of of food intake by integrating both intestinal and gastric satiating signals. Hormonal Control of Assimilation or Storage: You have heard about the link between the stress hormone cortisol and weight loss. Excess stress may lead to high cortisol levels that stimulate your appetite with the end result being weight gain or difficulty losing unwanted pounds. Physical Activity and Metabolic Rate: The more physical activity you do daily the more you burn calories. And if your metabolism is increased , the more calories you burn, and the end result being weight loss. The opposite will give you the opposite result. The Use of Effective Weight Loss Products. The most effective weight loss products in the market today is the Core 4 Products of Cal Nutrasciences. There are four products: 1. Lean - is a meal replacement shake, aminoacids, proteins, minerals and fiber. 2. Accelerate- it gives you energy and accelerates metabolism, so it burns fat. 3. Flush - is a mild colon cleanse , mild detoxifier, it flushes toxins out of your body. Medical authorities have estimated that about 70 % of people has a wight problem. Obesity is defined as exces body wight sufficient to increase overall morbidity and mortality. Although extreme obesity is associated with dramatically increased mortality, the risk to mild and moderate obesity are less clear. What I know is that if you carry a significant amount of extra weight to above 40 years of age, you will be pre-disposed to developing high blood pressure problems. which carries more health risks including stroke, heart disease, and renal failure. Carrying a significant amount of extra weight will also affect the integrity of the weight bearing joints, specifically the ankles, knees and hips. Changes of body weight can occur through alteration of several variables including 1) amount and type of food ingested 2) Central control of satiety 3) hormonal control of assimilation or storage, 4) physical activity or metabolic rate. and 5) the use of weight loss products. Amount and Type of Food Ingested. Usually this is the first key to healthy diet. A balance of proteins and carbohydrates, fruits and vegetables are essential for good health. Avoid fatty , greasy foods and excessive sweets like desserts. The amount of what you eat is important. To stop eating as soon as you fill full is a good practice. No second servings is advisable. Central Control of Satiety. Reasearch showed that there is a serotonin type-3 (5HT3) hindbrain receptors which mediates cholecystokinin (CCK) -induced satiation in response to nutrients entering the small intestine. It appears that the CCK-1 and 5-HT3 receptors participate in the inhibition of of food intake by integrating both intestinal and gastric satiating signals. Hormonal Control of Assimilation or Storage: You have heard about the link between the stress hormone cortisol and weight loss. Excess stress may lead to high cortisol levels that stimulate your appetitite with the end result being weight gain or difficulty losing unwanted pounds. Physical Activity and Metabolic Rate: The more physical activity you do daiuly the more you burn calories. And if your metabolism is increased , the more calories you burn, and the end result being weight loss. The opposite will give you the opposite result. The Use of Effective Weight Loss Products. The most effective weight loss products in the market today is the Core 4 Products of Cal Nutrasciences. There are four products: 1. Lean - is a substitute shake, aminoacids 4. Cheat - this is the flagship product, odorless, tasteless food sprinkle which prevents absorption of 25% of the food calories. For instance, if you sprinkle this on a 2,000-calorie chicken fried steak, only 1500 calories are absorbed when you eat it Nutrient fusion occurs when you use the four products together, The produce the maximum effect in making you lose weight. But each of them stands on its own merit in its weight -reducing capabilities. People who have use these four products are losing weight from 5 to 10 lbs. In a week’s time. Controlled studies on people using ” Cheat” alone resulted in weight loss on the average of 8 lbs. in one month. Mr. Ray Grimm , one of the two founders marketed weight losss products for some twenty five years by direct sales and info-mercials and made more than One Billion Dollars. He teamed up with Mr. Paul Gravette, a guru, successful network marketer and they formed CNI , Cal Nutrasciences, and they decided to market the products by MLM-network marketing. During the first two weeks of Pre-launch, CNI sold more than $ 600,000. 00 and is expected to sell more than $1Million in the first month. The compensation plan is excellent. A distributor can reach the top of the compensation plan by just sponsoring five people who sponsors two people each— with just 15 people in his organization. To sign up is Free. . The website is Free. There is no autoship requirement. T qualify for a commission, you must have a $40 purchase by anybody in your group. For a detailed explanation of the compensation plan, you should attend the live conferences or go to your back office to access this information. You will have a good idea about the products and the business if you listen to the recorded calls in CNI Resources section in the back office.
Posts Tagged ‘Health’
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Saturday, January 16th, 2010A Side View on Good Health
Thursday, October 29th, 2009A Side View on Good Health
T. C. Gopalakrishnan*
There are perhaps more books on good health then there are people! In engineering drawings, as the reader knows, there are usually the main views known as Plan and Elevation. Now and then they supply a side view to make matters clear. This article is one such on good health. After reading this article, you may provide your own side views so that people can look at the issue from different angles and get better clarity on health - or just prefer to leave it alone and mind their business. In any case, let us propose and those who find it inviting will have their Plan and hope for their Elevation!
General
Before we plunge into the matter of good health, we should be aware of the general scenario of life on this planet. It is known that stable mental peace is possible only through an inner transformation of the mind based on self-awareness. Our minds are caught unconsciously by the habit of thought inherited over centuries. As a result, human beings are externalized – hooked on to the outer aspects of life such as material possessions, fame, strong identification with a religion, nation or the like, and so on. This is creating a lot of unhappiness to the individual and, therefore, to humanity as a whole. Those who realize this begin to turn inward and indulge in ‘Athma Vichara’ – the Soul Search. This clicks with a statement of Jesus Christ – “The Kingdom of Heaven is within you. ” The associated awareness helps one bring about a vibrant life, though not at the early stages of attention. Some adjustment period is involved. Once interest in the esoteric approach to life gets going, it never withers; it only furthers itself in intensity. Very soon, awareness associated with that interest brings about a calmer and quieter mind in contrast to the state engendered by the habitual, noisy mind. While this attention to the mind is essential in bringing about the inner dive and the associated transformation, attention to the body is equally important. There is a Tamil proverb: Suvarai Vaithukkonduthan chiththiram ezhutha vendum. It means that for producing a painting or drawing, a good mural background is necessary. It is obvious that the body provides such a background on which evolution of consciousness can take place. Therefore, for bringing about inner transformation in the psychology of a person, good physical health is sine qua non.
Aside from the above logical argument, the body - an amazing mechanism - deserves attention in its own right. Our physical outfit, a product of cosmological intelligence, is a fine example of Divine manifestation in terms of intricacies and coordination. If one listens to a medical scientist explain the subtle connections between various biological units of the body and their functions, one cannot but be moved to the point of feeling tender towards this wonderful mechanism. Our bodies do put up with all kinds of abuse – physical and mental – for 60, 70 or 80 years and complain only when the abuse has gone too far. The somewhat sensitive people, who stop abusing the body before the no-return point is reached, are rewarded with rejuvenation by the hidden intelligence and constructive forces of the biological system. It may be said that, in most people, the body is doing a thankless job. Over and above this is the deplorable issue of committing suicide – punishing the body to have the satisfaction of taking revenge on somebody or to end one’s own overwhelming self-pity. People who go through a near death experience after an attempted suicide return to tell us that this anticipated satisfaction is one of gross deception and that the intended target is never reached by that idiotic approach. When this truth sinks to the level of subconscious mind in human beings, there will be significant reduction in suicides.
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*Author of the book “In Quest of the Deeper Self – A joyous Adventure” form which this article is excerpted.
In the Bhagavad Gita, Krishna says that the human body is like a boat primarily meant to carry us across the ocean of life and death to the shores of immortality. We certainly don’t want to travel by a leaky boat! The simile of the boat applies to both ‘Stula Sareera’, the physical body, and ‘Sookshma Sareera’, the subtle body. During the discarnate period, we are carried on by the subtle body. In this article, we are concerned with the physical system. However, a passing note is given in the following paragraph on the mental disposition conducive to an affectionate disposition towards the body.
Under true spirituality, outside of sectarian religious practices, the human mind, freed from its conditioning at least to some extent, feels tender towards everything – even towards the so called inanimate things. That being so, it is needless to say that under those circumstances the human body receives the care and attention that it deserves. Regarding this heightened sensitivity of the free mind towards everything in the world, there is a nice passage in Siddharta by Herman Hesse (Hesse, 1993). The story has it that enlightenment takes place in Siddharta, the hero of the story, after he goes through many experiences, some of them deeply depressing. In the evening of his life, when he functions as an old ferryman across a river, he meets his young days’ friend Govinda who happens to be on his way across that river. The two spend some time together in the wooded ambience reminiscing their young days. Asked to explain his inner discoveries, Siddharta gives a moving description of the state of mind in which pervasive consciousness unites one with everything in the universe. During that description, Siddharta picks up a stone and says that he respects it not so much because it will evolve and become a human being and eventually a Buddha but because it contains all of it in its essence even now and, for the time being, it appears to be a stone. This kind of respect for everything per se begins to impact the mind that transcends conventional sectarian conclusions and belief systems.
The Practical Side
There are six main avenues along which attention to health can be directed. People are familiar with these avenues but, quite often, do not apply themselves seriously to those as a result of too busy a life - professionally, socially or otherwise. Once they understand the intrinsic value of robust health, they somehow find time for attention to the six avenues and they move on to a stable track. The avenues are:
1. Diet and Dietary Supplements
2. Sleep (Duration and Quality)
3. Yoga and Exercise
4. Games and Sports
5. Hobbies
6. Leisure
There are many good books in the market that tell us how we can gainfully apply ourselves to these items. So, in this article, we will not dwell on the conventional aspects but touch upon a few items that don’t usually find a place in literature. Thus, only some issues in the above list will find a place here.
Dietary Supplements: Apart from a wholesome diet, a few supplements can help us maintain good health. These include items like vitamins B complex, C and E, Calcium, honey, dry fruits such as dates, raisins, and so on. There are also some herbal preparations tested over long periods of time. It is part of the adventure to look around for these supplements. Needless to say that any such acrobatics with the supplements should be tried only under the guidance of a family physician. It is wise to have a second opinion too. Make sure that the one you are consulting is himself (or herself) taking dietary supplements! Further, whatever we consume that way should be given a ‘drug holiday’, as the medical field calls it. This means that we don’t take them too regularly for too long a time but give them an appropriate break frequently. This moratorium on the gimmicks ensures that the body gets a chance to flush out whatever is accumulating as a silent poison.
Over-enthusiasm about good health can land us in trouble. Some years ago, Robert Benchley wrote a humorous article in the Readers Digest on phobias. His imaginativeness in defining strange fears and giving them funny titles of phobia make the article hilarious. Mr. Benchley says that there is a phobia whereby the affected person is afraid of falling in front of the chair because he is sitting too much in front. So the person keeps kicking himself backwards until he tips over and falls on the rear side! This is an apt metaphor for those who become over-enthusiastic about good health. We may keep dumping vitamins into our body until hyper-vitaminosis throws us down backwards! Obviously, we must know when to stop. But how does one know how much is too much? Presumably, we have to be inquisitive and trust our ‘gray cells’. Khalil Gibran says, “After 30, the best doctor for you is yourself. ”
By the way, in the above spoof on phobias, Mr. Benchley discusses many fears, half of them configured by his fertile imagination. It is so well written, you keep laughing through it to the point that your real phobias don’t seem to matter! Towards the end of his essay, he tickles us by saying “If you tell us what your phobia is, we will tell you what you are afraid of”! Isn’t that cute? Surely, such humor keeps us in good health!
Sleep: Sleep! – yes, we all love it. However, not many of us give it an affectionate hug. Rather, it is gone through as a matter of course. We have more important things to do – emails to reply, bills to be paid, papers to file, deadlines to meet, the dog to be taken to the vet, and then there is the list of engagements from the spouse! In addition, you are perhaps busy writing a book on how to find leisure. The result: Sleep becomes the first casualty. So long as sleep is treated as a secondary thing, it is unlikely that one becomes interested in esoteric matters. Once a person is drawn to the region outside the common rut, there is a natural pull towards respecting sleep as an honored facet of life. This does not mean wallowing in laziness by extending the hours of sleep. It means one understands the content of sleep as a life-preserver and respects its nuances in terms of quantity and quality. It leads one to appreciate the sublime role that sleep plays in our bio-rhythm.
How much attention do we pay in making the bed? Does the linen in contact with the body get washed frequently? With what care do we prepare the elements? Are the bed, the pillows and sheets homologous with the natural profile of the body while asleep? Is the bedroom well ventilated? Is it dark enough and noise free? After taking food, does enough time elapse before going to sleep? Do we unburden all our mental loads before falling asleep? Is one calm enough to watch sleep entering the body?
Three types of consciousness are recognized in human beings: (1) ‘Susupthi’ – the deep dreamless sleep, (2) ‘Swapna’ – the dreaming state [known as the rapid eye movement (REM) period] and (3) ‘Jaagrat’ – the wakeful state. It is during Susupthi that the body gets its full rejuvenating time. The longer this period, the better it is for the body. One can explore ways of extending the Susupthi hours. Rejuvenation proceeds probably even during the Swapna period but perhaps with less efficacy. However, it has been found that Swapna helps the brain to shed some of its stress. During Jaagrat both the body and mind are active and so they do not get enough rest. The tendency is more towards being stressed. Instead of being de-stressed, they become distressed!
According to some studies, it is known that the body sleeps soundly for the first three hours followed by two hours of light sleep and then again by three hours of deep sleep. It is good to adjust our hours such that we wake up during the light-sleep periods. Usually, the human body needs eight hours of sleep every day. Contingencies in modern living may not always permit these to be carried out satisfactorily but one can avoid the avoidable. Whenever one is unable to fulfill those expectations, it is good to make amends for the lapse at the earliest opportunity.
If some persistent extraneous noise disturbs the sleep, one may try the approach of creating ‘white-noise’ in the bedroom. White-noise is of a steady tone at some acceptable decibel level that smudges the disturbing noise; that is, drown the intruder! This is based on the fact that the brain does not get disturbed by steady noise even if it is louder than the intruder because the intruder has sharp peaks. White-noise can be created by attaching a piece of paper to the back of a table-fan and let it flutter. Fine tuning the paper-flutter to create the required level of white-noise is a matter of fun. Such a suggestion may appear a little crazy but it has worked admirably for some people. The writer has been significantly benefited by it on several occasions when the extraneous noise drove him up the wall. Helped by the white noise, he came down and slept well. He was pleasantly surprised to find the same suggestion being given by the author of an article in Readers Digest. That author recommends, as a second alternative, switching on a radio and tuning it to a non-station frequency. Here, of course, we have better control over adjusting the white-noise level.
The idea of making additional noise in the room may not appeal to some. Jerome K. Jerome wrote, in his humorous book ‘Three men in a Boat’, that one of his friends complained of headache. Another friend offered to play the banjo to sooth his nerves. But the first friend said “No, I prefer the headache”! In that manner, people may prefer to leave the disturbing noise as it is and not have something rattling about in the bedroom to smother the intruder. It depends on the individual. All we say is: Give this matter of white-noise a sincere try and see if you prefer the headache or the banjo.
In any case, once you apply yourself to the matter of sleep as a venerable issue, you begin to discover things on your own. It is part of self-discovery resulting from expanding awareness. Problem of insomnia has to be approached from the medical point of view as well as from the issue of noisy mind. In this connection, you may recall the value of ‘Bardo’ mentioned in Chapter 8. During the Bardo period, if one is quietly self aware, one can sense consciousness converging toward the Heart Center, one of the seven Chakras. It is a good feeling. The deeper you move into esoteric living, the lesser is the problem of insomnia.
Yoga and Exercise: A great deal of information is available from literature on these health items. Here we look into some unconventional aspects only. It is good to know that, in the region of yoga and exercise, there is a possibility of over-indulgence and hence hurting oneself. Moderation is the watch word. For example, excessive jogging or tennis may wear out the knees well before old age. So, we notice that there is such a thing as keeping the body well preserved. A harmonious balance between exercising and preserving deserves attention. Not much is written about the second aspect. This is where special care is needed and one can be creative.
In 1976, Theresa Bertherat and Carol Bernstein published a book in French and it was later translated into English with the title “The Body has its Reasons” (Bertherat, 1976). Its subtitle is: Anti-Exercises and Self-Awareness. A comment on the back cover says “A remarkable book. . . . . The marvelous new rout to Total Body Awareness. ” This book is full of unconventional ways of treating the body. It can help us discover a new approach to body care. In it, the ‘well preserved’ concept gets attention.
Of late, more people are taking to walking as a wholesome exercise. It wears out the body less compared to some vigorous exercises and, hence, the preservation aspect is fulfilled. Quite a few of us would have most likely seen the one-sheet bunch of advice under the caption ‘Desiderata’, either in one’s own house or in a friend’s. We feel good in going through that presentation. An important line there is: Beyond a wholesome discipline, be gentle with yourself.
Some yoga postures involve complicated, twisted positions of the body – the Ganda Berundasana, for example. A new aspirant to yoga may wonder how the bloke unwinds himself after getting into those contortions. The point is that yoga should not be treated merely as a matter of twisted bodily positions. The state of mind during the yogasanas is important. Our minds usually go ‘wool-gathering’ while the body, in its final position of a posture, remains still. Attempting to control the mind cannot help. That can only lead to conflict and a tense situation. What is meaningful is to be quietly self-aware of the noisy mind and its proclivity to wander off during that time. Not to fight with the mind is to be a friend of it and, in that friendly atmosphere, something can take place. This passive attention to the mind during the yoga is not usually emphasized and given the importance that it deserves.
Another healthy aspect of yoga is that one should not be too rigid about the instructions received. Here too it is good to explore one’s own natural inclinations and allow for flexibility. This is where one can learn what it means to listen to the body and follow its instructions. That way we pay attention to the inner Guru who is superior to the outer Gurus. This statement may sound blasphemous to some people but then no insult is meant to the human Gurus. They do help us a great deal in learning yoga and other things and so they deserve due respect. While being grateful to them, we notice that a mere conformist attitude cannot take us deep into the realm of yoga. After they give us the initial push, we must be free to take the journey by ourselves towards the inner Guru. Moving towards the inner Guru is the ultimate objective of yoga. Thus, while following the overall instructions on doing yogasanas, it is good to know how to listen to the body and introduce one’s own variations in the postures. These variations may suggest themselves only once in a while but we must remain open to them. This creative approach helps us understand the value of spontaneity in yogic awareness which serves as an aid to the Inner Dive. It can make yoga sessions very refreshing apart from helping us receive the usual dividends in the region of physical health. The sessions must be enjoyable and not be a period of struggle.
There are two items that may be termed ‘anti-yoga’. They are: Standing and/or Talking for long periods at a stretch. Avoiding these ‘anti-yoga’ items is as important, if not more important, than doing yoga! Self-awareness helps us discover other anti-yoga items in daily life and so, in that very process, free ourselves from them.
The Second Line
Now we come to an important concept of health in the name of ‘Second Line’. It can help us understand the state of our body in terms of its heightened or lessened well being. Once we become familiar with this concept, it functions like a gauge in assessing the body’s state of health. Now, we study the graph below.
In Fig 10, changing level of health is plotted against time. The First Line indicates a level below which the body falls sick. The farther we are below that line, the more the body is unwell. (If we fall all the way down to the bottom line, we are dead! God forbid. ) Once we are cured of the illness, we rise above the First Line. The higher we are above that line, the healthier we feel. At the level of the second line, there is a distinct feeling of heightened physical well being. Above this, the euphoria progressively increases.
Normally, we are satisfied to be above the First Line. ‘So long as we are not sick, it is okay’. With some additional care, we rise in the level of health and come closer to the Second Line. On falling sick, we become conscious of our body. When our health is in the region between the First and Second Lines, we are not aware of the body. On rising to the Second Line, we again become conscious of the body, but now with the feeling of wellness. In fact, it is this euphoric feeling in sensing the body that functions as the signal telling us that we are at the second level. This holistic bodily awareness is a characteristic of health levels on and above the Second Line. We notice that if we keep ourselves at that level, the probability of falling sick becomes low because it is quite a distance to go down. In other words, our resistance to sickness increases. Viruses may be going round, bacteria may be dancing around, but they don’t capture us. Even simple illnesses like the common cold, headache and fever do not bother a person in the region above the Second Line because of the metabolic robustness prevailing in that region. Apart from not easily falling sick, we enjoy just being alive if we are at the higher health levels. You may call the level of the Second Line as the Feather Health Level, because there we feel so light. Being of such high quality, it can only be reached with some dedication. One of the obstacles to it is the tendency to feel satisfied in just being not sick.
Those interested in rising to the Second Line, begin to understand the major and minor abuses that we normally subject the body to. That is the first step. Then we take note of those items that significantly contribute to good health. With that kind of interest, sooner or later we climb to the second level, sense its beauty and stay there.
In the early stages of reaching the second level we may frequently fall below it but, with sustained interest and application, it becomes easy to remain constantly above the Second Line. One gets the feeling that the ‘Susupthi’ period is extended. Dreams begin to toe the frivolous line and become less and less disturbing. Body’s intelligence is happy to function at its best. The aging process slows down.
The Third Line
Perhaps there are some more lines above the Second Line, each with its own fine points, which can be lived with intensity. However, we have to go up gradually feeling our way through each line. To many people, even the idea of the Second Line will appear phony - merely a theoretical idea. You probably hear someone say ‘The writer’s imagination has gone amok’! If, however, you feel that this matter of Second Line touches a deep chord in you, then you can explore that and lines above it.
The Second Line is characterized by harmony of the physical system. With deeper attention to living as a whole, the vista expands. One begins to sense the close link between the body and the mind and hence becomes interested in their interactive harmony. Attention focuses on the psycho-physical system as a single unit. This frees the mind from being embroiled in its own self-centered activities. Silence descends on the system. Love, the expression of the soul, begins to flow towards everyone and everything. The exalted Third Line is endowed with that kind of wholesomeness.
Without a stable residence above the Second Line, it is unlikely that the significance and content of the Third Line are felt. However, feeling drawn towards the Third Line at any stage has a meaningful value. That line signifies a synergistic confluence of a calm mind and a healthy body. Orderliness in daily life becomes a natural consequence. There will be no need to fight habits or addictions. Loneliness, boredom, persecution complex and the like quit forever. Empathy, and not emotion, rules. People who have a near death experience report a quality of peacefulness and abundant feeling for all aspects of life. Near the Third Line, those qualities begin to dawn in one’s life even without a life threatening experience. Cosmological significance of our existence and proximity to Divinity are felt beyond all concepts. Self-centered activities related to personal salvation drop off.
The Third Line is associated with a merger of physical and psychological energies that moves us towards the cosmic oneness of all things. One gets a feeling of the stillness in which the primal energy and intelligence take repose. The associated witness consciousness is the one that releases us from both the body and the mind. There is a feeling of the affectionate bystander attitude and a touch of the ancient. Awareness takes us towards the Primal Self.
The Fourth Line
Thank God, there is no Fourth Line! If you discover one, let us - your fellow passengers on the Journey of Life – know about it before you are attracted to the Fifth Line.
In any case, we do notice that starting from simple attention to good health, there are many heights to be scaled. In this respect, life throws its gauntlet at us affectionately. Let us pick it up with confidence - and win!
References:
Hesse, Hermann. Siddhartha. New Delhi: Rupa and Company, 1993.
Bertherat, Theresa and Carol Bernstein. The Body Has Its Reasons. New York:Avon Books, 1976.
Gopalakrishnan, T. C. , In Quest of the Deeper Self – A Joyous Adventure. Sudharsan Graphics. Chennai, India, 2007. .
Maintaining Your Oral Health is a Sensible Investment for the Future
Sunday, October 25th, 2009Following the recent decision by Denti-Cal to eliminate most adult dental services, an inevitable question of cost has been raised in the ability of patients to receive regular general dental treatment and checkups. While subsidies have proven to be an invaluable part of maintaining a consistent oral hygiene routine, by having dental check ups on a regular basis, it is of paramount importance that oral health care and hygiene be maintained in the absence of immediate available funding, supplied by state providers. While routine brushing and flossing make up an essential part of your oral hygiene routine, professional preventive dental assistance from your family dentist is something which can serve to prevent a host of problems, which left undetected have the potential to become more costly in the future. The message from dentists and dental hygienists, who understand the importance of regular annual examination is, that “It is less expensive to spend a few dollars for yearly cleanings and exams, so the individual can stay healthy and prevent problems, than it is to not see a dentist because they don’t have insurance. It is best to fix problems while they are small, inexpensive, quick and painless. Not knowing and not maintaining leads to bigger problems later on. ”Problems such as gum and periodontal disease, tooth decay (leading to root canal treatment) and loss of teeth are all problems that, when left untreated, have the potential to manifest into larger, infinitely more serious conditions than they would have become, had they been seen and targeted in their early stages. Many toothaches and dental emergencies can be easily avoided through regular visits to the dentists, and in spite of the latest termination of available funding, to assist in your oral care, it is important to appreciate the hidden costs which can arise at any time, if dental issues are left undetected. Ultimately these can cause greater cost and serious discomfort in the long term.
Senior Citizens: Affordable Health Insurance
Saturday, October 24th, 2009Finding healthcare coverage for older adults can be challenging, and even if you’ve found a plan that works for you, the premiums may be prohibitively expensive. Rest assured, affordable healthcare for seniors does exist! It’s up to you to make financially sound decisions by buying coverage that meets your needs and doesn’t charge you for services you won’t be using. For seniors living on a tight budget, researching your available options is essential to finding the most affordable health care plan. Here are a few things you should consider while weighing your options:
Medicare
Health insurance for seniors is much more regulated and standardized than health insurance for other adults or children. Seniors in the United States are eligible for government-sponsored healthcare coverage, called Medicare, which often offers more affordable and beneficial packages than private individual health insurance plans. Medicare is available to anyone who has worked for at least 10 years in Medicare-covered employment, is a U. S. citizen or permanent resident, and is at least 65 years old. To find more information or to enroll in Medicare, visit the government’s website: www. medicare. gov.
To add or not to add? Additional expenses…
While Medicare will help pay for some healthcare costs, it won’t cover all of your medical expenses or some long-term care options. If you have Medicare but need additional services, you’ll want to explore private options or enroll in a privately managed healthcare plan (with extra benefits) under Medicare Advantage. If you are already enrolled in a private healthcare plan, make sure your plan covers all of the services you’ll need. But make sure that you know what you’re paying for; don’t buy services that you don’t need or won’t use.
Other Resources
In addition to Medicare, your state may offer supplemental insurance that will help low-income individuals pay for medical expenses not covered by the base Medicare plans. California’s public health insurance plan, Medi-Cal, pays for “medically necessary” healthcare, and it may also cover some Medicare costs. Contact your state’s health insurance assistance department for more information. Knowing what resources are available to you is a key to maximizing your benefits.
The following resources may help get you on your way to affordable healthcare coverage:
California Health Insurance Counseling: www. aging. ca. gov
California Department of Health Insurance: www. insurance. ca. gov
California Department of Health Care Services: www. dhcs. ca. gov
California Health Advocates: www. cahealthadvocate. org
Optional or on Profile: For more information on Medicares and medical insurance for seniors, or to get advice on whether this type of health insurance plan is right for you, visit www. enetinsurance. com and talk to one of our licensed health insurance agents.
Small Business Healthcare:are Health Savings Accounts the Solution?
Friday, October 9th, 2009Year after year, the premiums of health care increasing at a remarkable pace. For owners of small businesses in the United States is a terrifying reality. Like millions of entrepreneurs prepare their 2008 budgets, are faced with the uncontrolled growth of the attention of health premiums for themselves, their families and even their employees.
In the pre-verbal of darkness health care a ray of hope has been expressed by Congress which is spreading like wildfire in California - Health Savings Accounts or HSAs. HSA has been much discussion throughout the country. The general consensus is that HSAs may be a viable option for quality and affordable health care. .
So what is a savings account for health? .
In summary, an HSA is a savings account tax free, along with a qualifying health plan with high deductible (HDHP). Persons covered and families are able to reduce their federal tax bill deductible contributions to your HSA. Many have described this situation as something similar to make deductible individual retirement account (IRA) contributions. Unlike the IRA, there are no limitations or "phase" rules for high earners. In addition, HSA can be transferred. This means that if a licensee changes in employment for any reason the HSA account goes with them. This interest earnings account during his tenure and no withdrawal penalty is imposed until the funds are used for medical expenses. Once you reach 65, may also use their account to pay for things other than medical expenses. If used for other expenses, the amount withdrawn will be taxable as income but will not be subject to other sanctions. .
The benefits for small business owners appear to be important. Premiums are reduced by offering high-deductible Health Plan (HDHP), lower fixed costs of the premium and account funding may be determined on an individual basis and reviewed annually. HSA also create incentives for employees to participate in decisions for their health care. Studies show that when the premium dollars are diverted to individual accounts, people are more likely to engage in the process to get the most bang for your health care dollars. Of course, the tax savings associated with HSAs are one of the greatest benefits for small business owners. The contributions of an employer pays the employee's HSA are made with pretax dollars. .
In today's world of rising health care costs, any business owner looking for a way to reduce costs without cutting benefits. With an HSA program there seems to be an option that can achieve both objectives. .
For more detailed information about HSAs, visit www. gatewayinsurancesolutions. com
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