The Wrong Reasons to Purchase Term Life No Medical Exam Insurance

If you are in the market for life insurance, chances are that you may be confused due to the options available. Insurance providers are constantly coming up with new packages to suit the different needs of their clients. Buying life insurance without medical checkup is a popular option that is attracting many individuals for different reasons. There are several life insurance policies that do not require the individual to complete a medical exam before obtaining coverage.

This type of life insurance is enticing for a number of reasons including busy schedules, a checkered medical history, the need for instant coverage, and fear of taking medical exams. There are those who feel that the higher premiums to bypass the routine medical exam are worth it. Before you jump at this option, it is important to understand the different policies available so that you can make the best choice. Find out the benefits as well as the limitations before you sign on the dotted line.

Wrong reasons to buy the insurance

It is very important to understand some common misconceptions before you purchase the term life no medical exam insurance. This will help you to avoid buying the insurance for the wrong reasons. Getting informed will ensure that you make the most cost effective purchase decision. The first thing is that buying this type of insurance should not be used as a way to escape the high cost of insurance even though you are not in the best health and a medical exam raises red flags.

Buying this type of medical insurance is not a guarantee if you have been denied coverage by several insurance companies due to the results of your medical tests. The fact is that reported medical histories of all applicants are entered into a national database that different providers can access. This means that the results of your previous tests can affect your current application.

The insurance should not be a way to try to cover up health problems. Trying to circumvent the system can work against you when it comes to paying the benefits. It is important to be honest about your health when buying life insurance even where medical testing is not required. If the insurance provider feels that you falsified information on your application to get coverage, this can be used as grounds to deny your beneficiaries the compensation.

Having said that, life insurance without a medical exam plays an important role and it is a valuable investment as long as you understand what the policies provide.

Annual Medical Checkups: Are They Necessary?

In recent years, however, much has been written about annual medical checkups – a long list of tests one must undergo every year, especially after turning 40. Considering the cost and time involved in conducting these tests, a question that arises is – Are these tests actually beneficial? And are they necessary?

The fact of the matter is that there is no one-package-suits-all solution. Pre-determined exhaustive checkups are neither necessary nor beneficial. Furthermore, such checkups are not cost effective and, in some cases, cause unnecessary additional testing and anxiety. What is critical is the time spent with one’s physician – to better determine their individual risk for certain diseases, something that may require testing in the present, and could pay off in health care savings down the road.

Here is what you need to keep in mind before you decide on what annual checkups could mean to you:

1. Analyzing the need:

The tests you need depend on your age, health, gender, and your risk factors. Risk factors might include family history, such as having a close relative with cancer, and lifestyle issues, such as smoking. Cholesterol screening, for example, is recommended for people who have a family history of early coronary artery disease. If you are at risk for a disease, you and your doctor together will decide whether you should be tested for it.

A good examination should include a detailed history, a review of systems, a social history, past medical history and family history, a complete physical examination, and then age-appropriate screening and blood work.

2. Quality over Quantity:

It is difficult to say what tests are routine since an examination by the physician can reveal different health issues for different people. However, there are some tests that are beneficial for all and these are explained below:

Routine blood tests include:

– Complete blood count (CBC): screens for infections, anemias, and other hematological abnormalities
– Fasting Blood Sugar/Glucose: screens for diabetes and predisposition to diabetes
– Lipid profile: provides information on the status of your cardiovascular system and screens for diabetes, and coronary artery disease
– Urine analysis: a simple test that tells you a lot – urine infections, diabetes and other disorders
– BMI – Body Mass Index – can tell you if you are at risk for heart disease, high blood pressure, type 2 diabetes, gallstones, breathing problems among other conditions

Special tests include:

– Prostrate specific antigen (PSA), only for men: screens for prostrate cancer. Annual PSA testing is recommended after age 50. Men who are at high risk should begin at age 40-45
– Thyroid stimulating hormone (TSH): this test is the best for assessing thyroid function. Hyper or hypo thyroidism has multiple effects and need to be monitored
– Vitamin B12 and D3: especially for vegetarians since the diet does not provide enough natural sources for these vitamins. Low levels have multiple effects and need to be monitored

X-rays, mammograms, electrocardiograms (ECGs) and other such procedures should only be undertaken under the advice of your physician.

3. Choosing the right pathology laboratory:

With so many pathology laboratories coming up in cities, the choice is overwhelming. Look for one with a good reputation, run by a qualified MD pathologist, using latest technology and most importantly, one with high levels of quality control. Blood collection should always be done with sterile disposable needles and syringes. Good laboratories always retest abnormal values and reports are always signed by a registered pathologist.

Annual medical checkups are a good inclusion for a healthy lifestyle. Just make sure you are guided by your doctor and your testing is done in a qualified, reputed pathology laboratory. Take care of your health and your health will take care of you!

Here’s How Medical Spas Can Help You Lose Weight

The snow has melted, and the sun and heat are here! That means it’s time to shed the winter weight and start looking amazing before you hit the beach – and luckily, medical spas offer numerous options to help you trim some weight in the nick of time.

These treatments include body shaping, zerona lasers, or individual medical guidance on diets that fit your lifestyle and weight loss goals. Indeed, if you just want to shave a few pounds for the summer, or if you’re looking to start a journey to a healthier life, medical spas have something to offer you. This article will explore some of the most popular non-invasive weight loss options to help you make the right choice.

New Body Shaping Innovations: A Quick Way to Shape Up

TruSculpt Body Shaping is an incredible new technique that you’ll find at top-notch medical spas in major cities. This non-invasive procedure targets cellulite in and around your thigh, buttocks and stomach. It’s ideal for addressing specific areas, and uses radio frequency pulses to break down and remove fat cells, as well as shift cellulite to reshape desired areas.

Just as importantly, TruSculpt Body Shaping is safe, largely painless, can be performed on-site at reputable medical spas, and requires no anesthesia. It’s also incredibly quick, which means that can have it done during your lunch break and then head back to work! It’s a great way to shape up quickly, without rearranging your life. Results generally appear within 1 to 3 months, so get started early!

The Zerona Laser Treatment For Fast Results

With results visible in just a matter of weeks, the Zerona Laser has become one of the most popular non-invasive weight loss methods available at medical spas. It uses specially calibrated light energy to safely penetrate outer layers of skin and target cells with excess fat. The fat is then emulsified, and leaves the cell to be reabsorbed by the body. This allows you to target fat cells in a specific area, leading to body shaping effects — in addition, of course, to shaving inches off where it counts. Typically, you can expect a treatment every 2 days, for a total of about 9-12 treatments. If you’re in a hurry to slim down for summer, then definitely consider this treatment, which is available at top medical spas.

A Healthy Lifestyle is the Best Way to Stay Lean

Treatments like TruSculpt Body Shaping and the Zerona Laser are great ways to slim down and look great, but you also need to lead a healthy lifestyle in order to maintain the results. Fortunately, top medical spas can get you started on the road to feeling and looking great via personalized weight loss strategies. These are a great to compliment your treatment, to make sure that old eating habits don’t creep up.

Plus, leading medical spas across Canada offer comprehensive services for patients, which include a full medical checkup by a doctor trained in Bariatric medicine. This includes going over your specific needs, taking into account your health history, medical conditions, dietary restrictions, and so on. From there, you’ll receive a personalized action plan that includes medical treatment options, lifestyle suggestions, and personalized diet plans to help you achieve your goal.

Save Money by Reducing Drug and Medical Expenses

This article provides many useful tips on reducing your drug and medical expenses. One easy way to have more money is to reduce your living expenses. Thus by using a little time and effort, you can save money that otherwise might be spent needlessly.

Choose the appropriate health insurance

The health insurance you choose should fit your expected needs. If you are single and in good health you can lower the premiums by opting for higher co-pays. If you have a family, you may want a lower co-pay and broader coverage, because you expect to need frequent medical care.

Your employer may provide a health insurance plan that you can join.

There are also Medicare Advantage Plans (Part C) that are connected to the U.S. government Medicare program. You can get more information at the official Medicare website. You also can telephone Medicare at 1-800-633-4227 to talk about the program or request the current “Medicare & You” handbook.

Get low-cost dental and medical services

Dental schools may offer free or low-cost dental services from students.

Certain clinics may offer lower-cost medical care than regular physicians.

A general practitioner or primary care physician (often known as a “family doctor”) can handle most of your medical needs and can refer you to a (more expensive) specialist when needed.

Sometimes you can negotiate the cost of your treatment before receiving it. Moreover, you may ask the doctor not to order any tests that aren’t really needed. (Because of malpractice lawsuits, doctors in the United States are often forced to practice “preventative medicine” to lessen the chances of being sued.)

Get low-cost drugs

Physicians get free drug samples from the drug manufacturers. If you are prescribed a certain drug, ask the doctor if any free samples of that drug are available.

Ask your doctor to prescribe generic drugs if they are available. These drugs usually are cheaper than brand name drugs, but supposedly are just as effective.

Rx Outreach(r) — This website has certain drugs available for low-income individuals and families. You purchase a 180-day or 90-day supply at a time.

Is alternative medical treatment safe?

Some people are choosing alternative medical treatment, either because it is less expensive or because traditional medical treatment does not seem to help them.

However, it does no good to save money if the alternative medical treatment isn’t safe or doesn’t take care of your problem. I recommend that you carefully investigate any alternative medical treatment before using it.

Join the Medicare Part D drug program

If you are on the U.S. government Medicare Part A or Part B, you may want prescription drug coverage under Part D. This is where an insurance company pays for part of your prescription drugs. The premiums for this insurance are deducted from your monthly Medicare benefits. The rules are somewhat complicated (well naturally, it’s a U.S. government program, after all).

During the applicable enrollment period, you apply for this program and select your insurance provider. In general, this enrollment period is between November 15 and December 31 each year for new applicants. It is between January 1 and March 31 of each year for existing members of the program.

You want an insurance provider that covers the prescription drugs that you are already taking or that you are likely to need in the future. The insurance providers available to you depend on where you live. You probably can find an appropriate insurance provider by going to one of the two websites below:

Medicare — The official U.S. government website.
Part D-Medicare — This is a private website, but it may be easier to use.

You also can telephone Medicare at 1-800-633-4227 to talk about the program or request the current “Medicare & You” handbook.

Prevent injury and sickness

One of the best ways to lower your drug and medical expenses is to adopt a lifestyle that lessens the chances of injury and sickness. Following are some examples:

Avoid dangerous activities, if possible.

Avoid hazardous occupations, if possible.

Avoid junk foods (candy, soda pop, and sweet treats).

Eat fresh fruits and vegetables.

Get help if you are abusing drugs and want to get off them. (You might try contacting Narcotics Anonymous.)

Get dental and medical checkups on a regular basis.

Get some exercise and fresh air frequently.

Give up alcohol and tobacco. (If you need help, try contacting Alcoholics Anonymous.)

Keep your weight down (if you have to keep buying bigger clothes as an adult then you probably have a weight problem).

Seek medical treatment when needed

If you have an injury or illness get it taken care of before it gets worse. The longer you wait the more expensive the treatment. If you think you can’t afford treatment, try to find some low-cost clinic that you can afford.

If you have a serious illness, it can be very dangerous (and eventually expensive) to try to treat yourself. It’s usually better to see a doctor or go to the emergency room in a hospital.

Medical Silicone – More Than Breast Implants, a Breakthrough Material for Medical Devices

Science continues to evolve and improve and this has been evidenced by silicone. It used to be that silicone was used for breast implants but today, science made progress and silicone is more than just for breast implants, since medical silicone is used for various purposes in the medical field. Silicone molding has been employed in surgery for the past few decades and has been a successful medical innovation all over the world.

One reason why medical silicone has been successfully used as surgical implants is because the material is proven to be safe for the human body to accept without causing the body to react to or reject the material. With this fact, biomedical engineers continued studying it and have found that the material can be safe to use as surgical aids. Since the introduction of the medical silicone, there’s no denying that the new material is great for a number of purposes such as for joint replacements and catheters. Catheters made from silicone are now more preferred to be used in the medical setting since it is made to be disposable. This proves that the new material is an excellent substitute for the old types of catheters which need to be sterilized and used all over again. For the new one, it simply needs to be discarded right away after use.

Silicone is the new favorite material that is not only popular in surgical, biomedical and medical industries, but even in electronics and industrial field as well. For medical purposes, silicone can be used for knee cap and hip joint implants since it does not trigger a bodily reaction when introduced into the body. Silicone molding can also be used for routine medical checkup. As for the electronic purposes, you will be surprised that the material that was once popularly used for breast implantation can now be found in computers. Even microchips can be made out of silicone as well. See, silicone is not only made for breast implants!

Today, silicone is used not only for aesthetic appeal for those who wish to enhance the size of their breasts. Aside from the aesthetic purposes, it serves as a medical aid to save the lives of people. These are some important reminders must be remembered before engaging into any cosmetic surgical. You can now think differently about silicone and think of it as the medical breakthrough which can help a lot of people.