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The Importance of Finding Quality Health Insurance

Mar 4, 2017

1539

You probably hear a lot about health insurance on the news. However, there are many healthy people who never really give health insurance much thought. Unfortunately, the odds are very good that most people will require an expensive medical procedure at some point in their life. This is when your health insurance coverage becomes vitally important. Some people do not pay for insurance because they feel it is a complete waste of money. They never get sick. Why should they have to pay a large bill for health insurance coverage they will never use? These people are playing a very dangerous game. It would be in your best interests to get yourself some sort of health insurance coverage. You do not need to buy the most comprehensive policy that is available. Any form of health insurance coverage is better than nothing. Here is why getting quality health insurance should be your top priority.

1. It is possible that you or a member of your family could get a disease that will necessitate taking medication on a regular basis.

Buying medicine can be very expensive. The cost of medications can vary greatly depending on the company that makes it and the ingredients. Buying generic drugs is always the best way to save money. However, there is not always a generic form of the medication available for you to buy. You will then have no choice but to buy the name brand medication at whatever price the company is charging for it. Not having insurance means you will need to pay the full price. This can be a huge drain on your finances if you will need to buy the medication for many months or years in the future. Having healthcare insurance will mean that your provider will pay for a portion of the cost of your medication. Therefore, the financial burden will not be as big. Health Insurance Innovations has a solid reputation. Health Insurance Innovations professionals assist people so they are able to find a health insurance plan they can afford.

2. Someone in your family might get sick.

Your health is not the only thing you should be concerned about. This is especially the case if you have other people in your family who you support financially. You should also keep in mind the medical expenses of those family members who depend on you. It is vitally important that new parents have health insurance coverage. This is because the amount of money that is needed to make sure that a baby is healthy can be quite substantial. Most people who never had children before do not stop to consider how much doctor visits truly cost until the child has already been born. Even the price that the hospital will charge you to deliver your baby can be too much for you to handle without a health insurance plan to cover some of the cost.

3. You should not go through life being one serious illness or injury away from financial ruin.

Do not gamble with your financial future. Simply hoping that you will not get sick or injured is very reckless behavior. The risk of a serious injury or illness increases if you have a family that you support. Having insurance is the smart thing to do.

4 Meaningful Ways Health Care Facilities Can Improve Patient Satisfaction

Feb 28, 2017

1451

Representatives of health care facilities inevitably have many priorities. They usually try to keep costs at a manageable level, market the establishments so people know about what they offer, and may solicit donations, especially if the organizations are not-for-profit entities, such as associated with religious denominations. Those duties are all important, but there is another priority that wasn't mentioned: Patient satisfaction. Healthcare managers can do several things to monitor and improve how happy people are with the services provided.

Patient Shadowing

Patient shadowing involves observing patients and their families as they move through different stages of their health care experiences. Common goals include reducing costs, boosting the overall quality of care, and becoming more aware of the challenges patients and their loved ones face as they spend time at health care facilities. Patient shadowing may also allow health care administrators to spot patterns that reveal shortcomings and then train staff members to overcome them.

Surveys

Patient surveys can also be good indicators of how a health care facility is doing. Ideally, surveys should be designed to obtain as much information as possible while striving for efficiency. After all, many people don't like to fill out surveys unless they have had very good or very bad experiences that they deem worth discussing.

To deal with that reality appropriately, some heath care service managers offer incentives to make people more willing to give their feedback. For example, in exchange for filling out a survey, a person may get entered into a drawing for a $500 gift card or be told they have a one in 10 chance of getting a free dinner at a local restaurant.

Patient-Oriented Educational Opportunities

Statistics about patient experiences in health care indicate that chronic conditions are some of the most expensive medical concerns for patients and their care teams. With that in mind, some forward-thinking health care leaders organize ways to educate patients about how to get more involved in strategies for managing their ailments.

The topics for such educational events could range from heart-healthy recipes to techniques that people with arthritis can use to stay active and physically fit.

If those initiatives go well, it enables patients to potentially not have to go to as many health care appointments because they're healthier overall. As a result, health care workers are subjected to less strain and stress.

Targeted Campaigns to Boost Efficiency

If you think about the last time you visited the hospital for an evaluation or treatment, there's a good chance it wasn't a quick stop. Almost inevitably, patients have to prepare themselves to spend hours in waiting rooms and may even be subjected to incorrect diagnoses that make them even more delayed.

However, there are several things associated with improving efficiency in health care settings. To get an overview of many of them, check out this IG link. As you'll see from the details of the infographic, continuing education, human resources, communication, and record keeping are all things that help make health care facilities more efficient.

It's also important for senior members of hospital staff to hire well-educated health care administration personnel to keep everything running smoothly. Fortunately for people interested in that career path, it's easy to receive education in a non-traditional way by pursuing a University of Arizona online course. The Master of Public Health internet-based course has several concentrations, including Health Services Administration and Health Promotion.

Although it's smart for health care administrators to take a customized approach to making patients more satisfied, the areas and methods discussed above can be good starting points for experts who want to make positive and noticeable differences. It could arguably be said that an essential element is a desire to change for the better.

Lifestyle changes to avoid heartburn

Life Style

Feb 27, 2017

1399

Lifestyle changes can help you to avoid heartburn and get relief in case you have one. The changes in your lifestyle will ensure that you avoid the possible triggers that cause heartburn and live a better life.

Eating and drinking

Avoid food triggers

Foods, which cause heartburn, are known as food triggers for heartburn. Some of the most common heartburn food triggers are tomatoes, citrus fruits, alcohol, fatty foods, spicy foods and so on. It is always better to avoid such foods so that you do not suffer from heartburn.

Avoid alcohol

If possible, you should eliminate alcohol from your lifestyle. Besides causing heartburn, alcohol also results in several other medical problems. Too much of alcohol results in heartburn. It should also avoid having alcohol after some foods like tomatoes, oranges and other acidic foods and beverages. Also avoid having alcohol after a large meal.

Reduce caffeine

If your lifestyle includes drinking lots of tea, coffee, soda and other foods and beverages that contain caffeine, you will need to change your lifestyle. It should reduce the amount of caffeine you intake every day because caffeine causes heartburn in many people.

Watch portion size

It is for your best interest to avoid having larger meals and meals with high fat content. These types of meals stay for a longer duration in the stomach and as a result the esophagus remains exposed to the stomach acids for a longer duration. If you are having frequent or even occasional heartburn, you need to reduce the portion size so that food does not stay in your stomach for a longer duration.

Reduce your soda intake

Carbonated beverages cause heartburn in many people. They cause people to belch, which may put pressure on the stomach and may result in acid reflux. Avoiding carbonated beverages will definitely help you to reduce the possibility of heartburn.

A heartburn and food diary

Keep a food diary and lists the foods you eat. It will help you to find out which are the foods that trigger heartburn in your case. Once you find out the trigger foods, you can make sure to avoid them in the future and avoid the possibility of heartburn.

Stop smoking

Nicotine, the active ingredient in cigarettes, causes weakness in the esophageal sphincter and allows contents that contain acids to enter the esophagus, which causes heartburn. So, it is better for you to stop smoking right now to avoid heartburn in the future.

Chew gums or eat lozenges

Chewing gum or putting a lozenge in your mouth will stimulate saliva in your mouth. Saliva can eliminate the effects of stomach acids by neutralising them.

Bedtime habits

With a little bit before sleeping

Do not go to bed immediately after your meal. Wait for at least two hours before going to bed after your meal. Some experts believe that it is better to eat your last meal 4-6 hours before sleeping.

Adjust your bed

If your upper body is raised compared to the lower body, the stomach acids will not be able to enter the esophagus again. If you raise the head of your bed a little bit, it will help you to avoid heartburn. To do that, you can buy a foam wedge. You can also use a pillow to avoid night time reflux if you had your dinner late.

Sleep on your left side

Your sleeping position can also decide whether you will suffer from heartburn or not. Sleep on your left side for having a better digestion which will help in eliminating acids from your stomach and reduce the possibility of them entering the esophagus.

How Drug Abuse Can Impact The Loved Ones

Feb 16, 2017

1702

It is important to remember that an addiction to drugs does not only impact the addict in a negative manner, but it harms the family and friends as well. Anyone that cares for the addict will go through a lot and it is important to recognize that so everyone can get the help that they need.

Getting The Addicted Person To Detox

One of the first steps that has to be taken is the person who is directly dealing with the substance abuse problem has to enter a�detox treatment�facility. If the person who is addicted to substances is not willing to go on their own, it may be important to schedule an intervention with a trained drug abuse counselor.

The reality is, it is not just the person using the drugs that needs to recognize how their behavior must change. The close friends and family need to realize that some of their behaviors may need to change as well. This is a family disease. It attacks everyone. For example, there are many well-meaning loved ones that are just trying to protect their family. However, what they actually end up doing is enabling the drug seeking behavior and that has to be recognized and it must be stopped. This way, everyone can heal.

The Next Step

After your loved one comes out of the detox program, it is important for him or her to enter into some sort of continuing treatment program. This is to help make sure that they will be less likely to relapse. There are many options for this.

There are some people who will focus solely on a twelve-step program and their higher power to get them through. Other cultures may suggest things such as meditation, acupuncture, and prayer to stay on the clean and sober path. Then there are those who believe medical intervention is the best way to ensure that people are not going to return to their old habits with illegal substances.

Dealing With All Levels Of Self

Those who are going through recovery, no matter which path they are taking, will need to remember that they have a lot of healing to do. They need to not only heal their physical self�but their spiritual and mental self as well. By taking the time to do that, there will be less of a chance to end up relapsing and getting into trouble again.

Talking with mental health professionals, doctors, drug counselors, sponsors, and anyone else that you can get some guidance from is important. It is vital that you are approaching this from as many angles as possible, even if you are unsure about how some of them will help. The more work you put into this, the more likely it is that something will finally stick and you will never have to face the troubles of a drug addiction again.

Remember, there is no one simple solution for recovering from a drug addiction. It is also important to remember that everyone that is impacted by the addiction will need time in order to heal. The problem did not get to where it was overnight. Therefore, it is not going to completely go away overnight. When everyone does their part and remembers that, there will be a better chance at true success.

Does the Body by Orsini Slimming Patch Really Work?

Feb 15, 2017

1815

Imagine a weight loss product applied to your stomach like a Band-Aid that promises to help get rid of stubborn fat and reveal a flatter stomach. Now, imagine you are the lucky one that sees these amazing results, which boost your confidence. It’s difficult for many people to accept that a thin little patch can help them get rid of stubborn belly fat. The question is, “Does the Body by Orsini Slimming Patch really work?”

What is the slimming patch made of?

The thin comfortable patch is created with natural ingredients such as Capsaicin, Sophoricoside, Catechin, Salicornia, and Caffeine. The mixture of these ingredients acts as a powerful tool to help with weight loss and sculpt your body. It is known to reduce the desire to eat, increase blood circulation, increase metabolism, reduce body fat, burn excess fat, reduce weight and destroy cellulite.

Can anyone use it?

The Body by Orsini Slimming Patch is for both men and women of all ages, but you should always�consult�with your healthcare professional�before starting any diet, exercise, or supplementation program. If you have health issues or use prescription medications, it’s best to get your doctor’s approval to ensure the ingredients will not alter the effects of your medication.

How do you use it?

The Slimming Patch is designed to easily stick to your skin for six to eight hours at time, and are most effective when used every other day. You want to wait at least full 24 hours in between treatments to allow time for your skin to breath. When applying the patch, you carefully place it over the abdomen area by adhering it to your skin. The design has a hole for the belly button, which also helps with easy placement of the patch. Simply wear the Slimming Patch anytime and anywhere to achieve results. You can sleep, work, exercise and continue with your daily routine while using the patch.

How long does it take to see results?

You should feel the Patch working right away from the fast acting ingredients giving you increased energy and alertness. Most people experience a more controlled appetite within the first weeks of use. Your metabolism can start to speed up and with a new controlled diet, you can start to burn that stubborn body fat, and lose excess weight. Weeks four through six can begin to reveal a flatter stomach and by week eight and beyond, you should really be impressed by your progress if your new regime has remained consistent. This means within a two-month time frame you can drastically change the way you look and feel by watching inches disappear when combining diet and exercise with the Body by Orsini Slimming Patch.

Does it cost a lot of money?

This amazing weight loss product might cause you to think it’s highly expensive. The Body by Orsini Slimming Patch is affordable and offers four payment options and prices such as the ones listed below.

1-Month Supply: Retail Price of $59.95�for a 1-Month supply
with no subscription.

1-Month Starter Kit: Discounted to $39.95�for a 1-Month supply
with a subscription that you can cancel easily.

2-Month Best Seller: Only $34.95 each Monthly Supply, with Free Shipping,�and No Subscription Necessary�. it’s a No Brainer!

3-Month Best Value:�is less than $1 per Day with a 90 day upfront subscription that includes an�Extended 60-Day Money Back Guarantee!!

Will people notice I am using the slimming patch?

No. The Body by Orsini slimming patch is so thin and adheres to your skin perfectly. This allows you to easily hide it under your clothing. The only way someone would know you are using it is if you are wearing clothing that visibly exposes the patch.

Are people already using it?

Yes. Thousands of patches have been sold and people all over the world are using the Body by Orsini Slimming Patch faithfully. Users have revealed that it is one of their favorite products that have allowed them to get rid of stubborn belly fat that exercise and diet couldn’t touch. The Slimming Patch has become so popular that there are now limited supplies available.

Does it really work?

Yes. The Body by Orsini Slimming Patch works! Many people are feeling the positive results right now. Consuming a healthy diet and exercising regularly while using the slimming patch will reveal the best results. Some users have reported losing inches even though they have limited time in their schedule to exercise.

The Body by Orsini Slimming Patch works with a combination of ingredients that are shown to speed up your metabolism, burn extra body fat, suppress your appetite, and stimulate thermogenesis.

As mentioned earlier, it is advised to combine the Slimming Patch with regular exercise and a healthy diet. The patch may help you to eat less, but what you eat is important as well. Try to include fresh fruits and vegetables as well as poultry and fish to your daily diet. Using the patch in combination with an uncontrolled high-calorie diet can interfere with results.

Exercising on a regular basis is essential to sculpting the body you desire. If you don’t already exercise you can start incorporating it into your routine by using the Three Free Training Videos you will receive as Free Gifts with Purchase.

If you have limited time in your schedule you can find ways to add exercise while performing your daily tasks. Try parking your car further away from the entrance of buildings to add a few steps to your daily routine. You can also choose to take the stairs instead of the elevator to help strengthen your muscles. Now that you know the Body by Orsini Slimming Patch works, try it for yourself today by placing your order at www.BodyByOrsini.com and begin your journey to a better body you can be proud of!

Music and Color in Medicine: Pleasurable Ways to Lower Your Blood Pressure

Feb 15, 2017

2360

It’s estimated that 1 in 3 American adults suffer from high blood pressure. Whilst high blood pressure can be caused by a variety of different factors, it often produces similar symptoms within those who suffer from it. If not identified and managed correctly, high blood pressure can be dangerous.

As this is a medical condition, it would make sense to assume that medication is the only way of controlling and lowering it. Whilst medication is often prescribed to lower blood pressure, there are in fact many pleasurable ways in which you can lower your blood pressure yourself � all from the comfort of your own home! Read on to discover how.

Eat dark chocolate

Most of us associated chocolate with being very unhealthy and something to have as a treat once in a while. Whilst this is often true with many types of milk or white chocolate, dark chocolate actually has significant health benefits most people aren’t even aware of.

Studies have shown that a small, daily amount of dark chocolate can considerably lower your blood pressure due to its health-boosting antioxidants. Dark chocolate can also reduce your risk of having a heart attack as a result of your high blood pressure by up to a huge 20%. Delicious and providing significant health benefits, introducing dark chocolate into your diet is a great way to get started with lowering your blood pressure! Now who said chocolate was bad?

Coloring

Most modern-day adults associate coloring with being strictly for kids. But, coloring is hugely therapeutic and has been shown to be a stress-reliever � one of the leading causes of high blood pressure!

Stress and high blood pressure often go hand-in-hand so, if an activity as simple and fun as coloring can improve your health, why not give it a go? The Mandala Coloring Book app for Android is a great option to try as it provides an array of intricate patterns and designs with every single color you could ever dream of using. Fun and extremely relaxing, get ready to say goodbye for good to any high blood pressure-inducing stressors.

Reduce your alcohol intake

Heavy drinking is often directly associated with high blood pressure. So, if you find yourself inadvertently drinking more alcohol than you should on a daily basis, cut down � it’s as simple as that.

Limit your daily intake of alcohol to just two small drinks a day and you’re almost guaranteed to lower your blood pressure eventually. Also likely to improve liver function, this tip isn’t only great for lowering blood pressure but will also mean you escape that dreaded Sunday hangover!

Successfully lowering your blood pressure doesn’t have to come from endless visits to the doctors and taking numerous pills every day. These simple tips tackle a variety of factors that could be contributing to your high blood pressure without you even knowing. So, when combined, these methods are a great place to start in lowering your blood pressure for good and improving your overall health.

Charlie Harper works as a therapist and strongly believes in art and music for relieving stress and helping you reach a state of inner peace. He shares his thoughts on these techniques in his articles.

Dual Diagnosis and Understanding The Struggle To Recover From Drug Addiction

Feb 14, 2017

1909

It is very important for anyone who is struggling with a drug or alcohol addiction to take some time to learn about dual diagnosis and how it is something that they really need. Receiving a dual diagnosis means that you are not going to be diagnosed with just an addiction, but a mental health disorder as well. For example, you may suffer from drug abuse, but also from depression, anxiety, or bipolar as well. For those who self-medicate with illicit drugs,�signs of cocaine use�and other substance abuse may speak to an underlying mental illness that needs to be treated.

Getting The Best Treatment From The Start

When you decide to locate a treatment center for the beginning stages of your recovery process, you are going to want to select one that will consider your total well-being. This means that they have professionals at their rehabilitation center that focus on your spiritual, emotional, mental, and physical recovery,

Managing Your Anxiety And Depression

It really does not matter which came first � your depression and anxiety or the substance abuse. However, what does matter now is your dedication to managing both issues. If you are not taking the time to learn everything you can about depression, anxiety, and any other mental health disorder that you may have, you may find that staying sober will be a much more difficult thing to do.

You can do things such as learn and practice meditation to reduce your anxiety levels. Getting an appointment set up with a trusted mental health counselor is also important. Of course, you will continue to receive support that has been put in place for you from your rehabilitation clinic, as there is no such thing as too much help and support during the recovery process.

Consider Taking Prescribed Medication

According to the NAMI, or National Alliance on Mental Illness, there are medications that may be able to assist you through the withdrawal symptoms that you may experience when you are going through the detoxification. The mental health medications will also help curb the amount of trouble your mental health disorder causes in your life. The more you are able to control your depression and anxiety, the less likely it is that you are going to relapse any time soon. After all, you will have fewer issues that you have to worry about wanting to self-medicate for.

When you are able to think clearer, you will be able to figure out other ways to productively handle the issues that you are faced with. Let’s face it, even during your recovery, simply because you are human you are still going to experience some stressful problems in life. Having as clear a mind as possible, free of looming negative thoughts, is the best way to keep yourself on the right path.

Reach Out For Support

It is also very important to make sure that you are taking the time to reach out for support from others who have been and who currently are in the same situation as you. You will be able to learn from their mistakes and from the methods of treatment that they have been successful with.

Whatever you do, do not give up on the treatment that you are receiving for your dual diagnosis, even if you are feeling so great that you are starting to think that you no longer have an issue with depression or anxiety. It is when you stop taking the medication or going to psychotherapy that those mental health issue can come racing back to you. That would put you in a position where you would be more likely to relapse and that is something that you want to avoid if at all possible.

Hidden Factors Behind Addiction

Feb 14, 2017

1312

When someone becomes addicted to drugs or alcohol, the reaction of family and friends is often to question why the person was so unhappy that they turned to substance abuse to treat their emotions.

While there are certainly times when that is the case, addiction is a far more complex situation than that. If we fail to take into account the other factors that can lead to addiction, we may miss some very obvious signs–and with them, the chance to intervene before it’s too late.

Also important is the ability to identify causal factors so that after treatment, the person is less likely to relapse. We often understand the physical impact of side effects of crystal meth�without recognizing psychological triggers as an equally important element of the process.

So before someone you love has been impacted by addiction, get familiar with some of the lesser-known causes of addiction.

Genetics

As science continues to advance, we see more and more evidence that most of who we are and what we do is powered by DNA.

Just as we have found that genetics can predispose someone to breast cancer, addiction can also be rooted in our chromosomes. Of course, it isn’t genetic when we choose to light the first cigarette or order the first drink, but the fact is that there is a tendency among certain people to latch on more quickly to addiction behaviors.

This is independent of the chemical dependency that the substance itself causes. This is a documented psychological likelihood to become addicted and a hurdle to overcoming that dependency. So if someone you love grew up in a family of addicts or alcoholics, that person bears watching.

Environment

This is far deeper than simple peer pressure, although that’s part of the issue. There are issues in many situations whereby the addict has had a distorted view of part of the process, whether it’s the severity of their abuse (“I don’t use as much as that guy and he’s okay”) or the simple acceptance of it to begin with (“Everybody goes for a few drinks after work”).

Often this is geographic. Locations with a history of substance abuse problems can lack sufficient resources or a social environment to prevent and treat addiction. Should the wrong person end up in the wrong place with the wrong triggers, addiction can quickly result.

Family is a factor as well. Acceptance of casual use and abuse can color someone’s perceptions of what level is “safe”, permitting them to toe the line too closely and end up with a problem.

Accidental Addiction

Many people mistakenly assume that the addict has reached dependency by a deliberate choice to partake of dangerous substances in unsafe quantities. This is not often the case.

The rampant spread of prescription drug abuse and addiction illustrates this point perfectly. Many of these addicts were healthy, happy people who encountered a medical mishap that changed the course of their lives. It may have been as simple as kidney stones or a back injury, but whatever it was, the person ended up with a legitimate prescription for powerful narcotics and became addicted simply by following doctor’s orders.

During the treatment or recovery of any medical issue, family and friends should help guard the patient from reckless continuation of medications. Everyone should understand that painkillers are to be taken as needed, not according to just the clock. They need to understand that the prescribed interval is the minimum length of time between doses, not the exact time required for proper dosing. The longer the patient can go without doses, the better their chance of avoiding addiction.

Addiction is a frightening and dangerous thing. For those you care about, the best thing you can do is to understand as many factors as possible that can lead people to addiction. The more you know, the better you’ll be at helping someone avoid a potentially deadly misstep.

Addiction Recovery: Inpatient or Outpatient?

Feb 14, 2017

1383

When you get ready to seek assistance for a problem with substance abuse, you will need to make the decision as to whether you will need outpatient or inpatient rehab. Each type has its own set of disadvantages and advantages. It is critical that you consider each facet of the process of recovery along with your personal needs in order to choose the program that will best help you in overcoming addiction.

If you yourself, or someone who you care about, happens to be struggling with addiction, visit BLVD Treatment Centers now! You can get more information about their programs, both in and outpatient. You can also call and talk to someone who will be more than happy to answer all of your questions and assist in getting you headed towards recovery and rehab as soon as possible.

Remember, even if you just have a glass of wine here and there, that in itself could be addiction.

Types of Programs

There have been research studies done on the treatment of addiction and these studies typically classify the programs into a variety of general modalities or types. Individual programs and approaches to treatment are continually evolving and diversifying, and today, many programs don’t really fit neatly into the traditional classifications for drug addiction treatment.

Inpatient Rehab

Many people who are trying to recover from addiction will try inpatient recovery programs. The defining characteristic of this type of program is that the person in recovery will live at the treatment facility for the complete duration of treatment. Most of the time, residential treatment programs will last anywhere from 28 to a full 90 days and this will depend on the preferences and needs of the person seeking recovery.

When this process of recovery begins, many people will go through a detoxification period before the actual commencement of the period for the treatment of the addiction. In some instances, that detox period might happen in a setting outside of the actual treatment location, such as at a dedicated detox center.

Many residential and impatient programs will incorporate structured detox programs into their protocol for treatment. No matter which detox program you opt for, medications are frequently used to help with the process of withdrawal, especially in instances of severe addiction or dependency on more than a single substance.

Outpatient Rehab

Outpatient rehab programs allow the patients to live at their own homes when they are outside of the treatment hours, which allows them to continue going to school or work and to fulfill their other responsibilities while also getting treatment for their addictions. Individuals in recovery will typically spend time at individual and group therapy sessions every week and sometimes on a daily basis if needed. They also have the ability to meet regularly with psychiatrists if they need medication for things like existing mental health issues, cravings, and or withdrawals. The treatment that a patient gets in outpatient therapy is similar to that of inpatient therapy, it is simply less intensive.

Programs for outpatient rehab might use one of these types of therapy:

�� Contingency Management � this gives specific rewards and or incentives in order to assist people with the development of regular behaviors like maintaining sobriety or attending therapy.

�� Cognitive Behavioral Therapy � this assists patients in becoming aware of behaviors and thoughts that are not healthy and provides them with strategies to change those behaviors and thoughts to ones that are healthier.

�� Motivational Interviewing � This works to identify and change any feelings the patient has that might act as barriers to treatment.

�� Matrix Model � This allows for therapists to act as both coaches and teachers. The focus of the treatment will be on empowering the patient through confidence and a positive self – image. This treatment intervention has been developed especially for stimulant use addictions.

�� Multidimensional Family Therapy � This type of therapy works to try to assist families to function better. This is especially useful in families that have adolescents with alcohol or drug problems.

Which is Best for You?

Getting assistance with your addiction will be one of the most critical choices that you will ever make for yourself or for someone whom you care about. Choosing a program can be a bit overwhelming and this decision is not one that should be made hastily or lightly. Take your time and take a long look at all of the options before making a decision on a program� but do make that decision.

Life Insurance and Cancer – What You Need to Know

Feb 9, 2017

1584

It’s difficult to talk about cancer. Many Canadians are affected by, or are close to someone that has, this disease. Last year the Canadian Cancer Society estimated that:

More than 100,000 men would be diagnosed with cancer
More than 40,000 men would pass away from cancer
Over 90,000 women would be diagnosed with cancer
Over 37,000 women would pass away from cancer
An average of 555 Canadians would be diagnosed every day and an average of 216 would be claimed by the disease daily

With statistics like that, it’s clear that Canadians need to be having conversations about cancer, and one of those conversations should be about the relationship between cancer and life insurance.

Did you know that cancer patients and cancer survivors can get life insurance? Over the past few years, underwriters across Canada have revamped polices and added no medical insurance (more on that below) to ensure that everyone can get coverage! This is a great relief to those facing funeral costs within the next 3-5 years, or to those that were not insured prior to diagnosis.

Life Insurance for Cancer Patients Varies Because Not all Cancers are the Same

Women are more prone to breast and thyroid cancer than men, and men are more prone to prostate and bladder cancer than women. Both sexes are equally affected by lung/bronchus and colorectal cancers. Cancer may go into remission, or shorten a life span. Some cancers are quickly treated, and others require long, aggressive interventions.

Underwriters providing life insurance for cancer patients consider the type of cancer, its survival rate, the method of treatment, if the cancer is in remission, how long the cancer has been in remission, etc. If the patient has been cancer-free for a number of years, the underwriter may offer a rated or excluded policy. This means the insurer charges a little more to cover their risk, or offers a standard life insurance policy but excludes cancer-related death from the benefit.

Life Insurance for the Most Serious Cancer Cases

Those that do not qualify for a form of standard insurance can still qualify for no medical life insurance. There are two types of no medical life insurance: simplified issue and guaranteed issue.

Simplified Issue

The application process does not include a medical exam
The application has a series of medical questions (you must be able to answer no to all of them)
Different underwriters have different question lists � a broker will guide you to the company that is the most likely to insure you
If the applicant passes away within two years of the policy being in force, the benefit is not paid, but the premiums are returned to the beneficiaries
Lower premiums than guaranteed issue, but higher than a standard policy
Less maximum coverage available than for a standard policy

Guaranteed Issue

The application process does not include a medical exam
The application does not have any medical questions
If the applicant passes away within two years of the policy being in force, the benefit is not paid, but the premiums are returned to the beneficiaries
More expensive than simplified issue or a standard policy, but guaranteed acceptance
Less maximum coverage available than for a simplified issue policy

Where to get life insurance for cancer cases

Both agents and brokers can offer life insurance to those with cancer, but there is a very important distinction: an agent works for one company and can only sell the products of that company. A broker is independent and can sell the products of any Canadian insurer.

If you have cancer and need life insurance, strongly consider speaking with a broker. Upon doing a full needs assessment, the broker can match you with a policy from a top insurance brand, or a company that is known to frequently insure those with cases similar to yours. You do not want to get denied for a policy because a denial makes it much harder to get any type of policy in the future. A broker has more options to get you the policy that best suits your needs.

NoMedicalLifeInsurance.ca will help you to connect with the best life insurance brokers who are experienced in various types of health pre-conditions, including different types of cancer. Contact us for free and confidential advice, quotes and information.

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