November 30th 2009

Uninsurable for Health Insurance?

Save on health insurance

Individuals with pre existing conditions like diabetes, cancer, heart disease, heart attack, stroke, kidney disease, liver disease, AIDS, depression and a long list of other health conditions, have found it almost impossible to find affordable healthcare. These health issues are causing thousands of individuals to be declined for health insurance. If you are looking for uninsurable health insurance or pre existing condition health insurance, you know how hard a task that can be.

Sometimes preexisting conditions allow an insurance company to deny your health insurance request. However, there are ways you can be provided with affordable healthcare coverage. If you can combine creative insurance planning with the knowledge and understanding of what is available, you’ll greatly reduce the chance of potential financial strain on you and your family.

Should you find an insurance company that will provide health insurance; you’ll quickly discover that this coverage is not cheap. And… the coverage will probably be limited in scope when compared to the coverage for someone with no known health problems. The bottom line is this, whatever coverage you can get, it’s probably best to take it until something better comes along.

You can find affordable health care. I have listed 6 choices below.

Group Health Insurance: The best choice for those with a chronic conditions, pre existing conditions or even uninsurable. It’s really a guaranteed issue health insurance plan. With group health insurance, coverage is usually provided by your employer or your spouse’s employer. The employee will typically have little, if any, choice concerning the features of the coverage. The main advantage of group insurance: new employees will usually get coverage without any medical questions or concern for a pre existing condition. One disadvantage: coverage usually ends when the employee’s job ends.

Professional Organizations: Most don’t know about this option. A number of professional organizations offer their members a health insurance program as a fringe benefit. This health insurance coverage could be a great way to stay insured if you are uninsurable or have a preexisting condition. This is really like a group health insurance policy. See if you can get access to a membership organization which offers health insurance for preexisting conditions or health insurance for the uninsurable. A valid certification or career experience may be required to join. Other associations might accept your membership without these prerequisites. Look for local and national associations. Even with a yearly membership fee, it still might be worth the money.

Private Individual Health Insurance: If you are without group healthcare coverage from an employer or professional organization health plan, yet you have pre existing conditions that have caused you to be uninsurable, obtaining individual health insurance is probably going be a little tough. If you do find coverage, the premiums will often times be unaffordable. However, this still might be your best choice for now. You can always go with a better plan in the future.

State Risk Pools: For individuals who have serious medical conditions, some states allow access to either private individual health insurance for uninsurable or health plans for uninsurable. These plans are defined as high-risk health insurance pools. Individuals in these state risk pools have access to comprehensive private coverage plans. However, the premiums can be very costly, often double what private health insurance would cost for someone who is healthy. Individuals may find enrollment is closed to a new enrollee or the state pool has a long waiting list. These high-risk pools are often the last resort for people who have serious pre existing conditions and are paying exorbitant fees for their insurance, or who are able to meet key state conditions for enrollment.

Discount Health Cards: Companies selling discount health cards claim to save subscribers money by offering discounts on a hospital, doctor, prescription drugs, dental, vision and chiropractic care. Consumers seeking affordable healthcare may be confused by these health cards. They really are not health insurance. You’re still responsible for paying the medical bills. The discount health card simply offers a reduced price for services from participating healthcare providers. They often times make grossly inflated promises on expected benefits and savings. Use caution when purchasing these discount health cards. You may pay more than you save.

Guaranteed Issue Health Insurance: For those who are uninsurable, those with preexisting conditions or someone who just can not afford or qualify for health insurance, then a guaranteed issue health insurance plan may be a good choice. These plans, known as “mini-meds”, are not to be confused with “discount health cards”. These plans are usually quite affordable and offer a considerable amount of coverage. Most pre existing conditions are covered after 12 months. Understand these plans are not basic health insurance or major medical coverage but are limited indemnity plans. This just means the plan pays benefits based on a pre-defined amount per service or procedure. Usually covered are doctor visits, hospital stays, emergency room visits, surgery, accidental death, etc. Most do not require completing medical questions or taking a physical exam to qualify.

Rudy Wilson is currently active in the insurance industry. He is also a researcher and an author. Visit his web site at http://www.UninsurableHealthSolution.com to view more information on finding affordable health care for the uninsured, the underinsured and the uninsurable.

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October 25th 2009

Unknown Treatment In Us



Drinking healing mineral water for Health and Wellness has a long tradition in Europe.  Yet despite its popularity among patients in Europe, this therapy is still basically unknown in the United States and Canada.

 The most popular drinking healing mineral water is from Karlovy Vary – spa pearl of Europe. The Czech town of Karlovy Vary (Carlsbad) has been a famous international healing resort since the 1700s. Europeans call the town’s mineral water the “healing gift from the earth” or the “miracle mineral water.” Visitors throughout Europe and Asia have been traveled to Karlovy Vary for one to six month stays to drink the Karlovy Vary Healing Mineral Water for different chronic conditions.

 Many years Karlovy Vary water was carried by barrels and bottles all over the Europe for treatment of rich people. European doctors understood that mineral content is a major healing factor of this water and research was done to manufacture the salt from the evaporated thermal spring water. In 1764, an inexpensive method was discovered that made it possible to distribute the water all over the world. Czech doctors determined that the water manufactured from the genuine Karlovy Vary thermal spring salt had identical healing properties as at the spring.

 Mineral water preparing from the Karlovy Vary thermal spring salt has been successful in healing conditions such as chronic hepatitis, fatty liver, metabolic syndrome, early stages of cirrhosis, chronic pancreatitis, esophageal acid reflux, diverticulosis, constipation, Chron’s disease, parasites, etc.

100 years ago, this healing mineral water was the only possible way to treat diabetes, obesity, gout, stomach ulcers, and gallbladder and kidney stones. Today it remains a very important complementary approach for healing these disorders.

 Mineral water preparing from the Karlovy Vary Thermal Spring Salt also is a safe natural alkalizer. The alkaline effect of water is mild and slow, and depends on the amount of drinking water.

Karlovy Vary Healing Mineral Water is the oldest researched mineral supplement in the world.  In 1522, the first scientific medical book was published in which a regimen of drinking the water of the spring was recommended for constipation. Since then, hundreds of clinical texts and articles have been published describing the positive effects of the water on both animals and humans. Unfortunately most of them were published in Czech, German, Russian thus there are unknown by American medical establishment.

Water simultaneously relieves digestive disorders, strengthens the digestive system, normalizes the acid-alkaline balance and improves the metabolism of proteins, fats, and carbohydrates. It’s most important actions are:

Enhancing liver function by increasing the production and flow of bile, Promoting pancreas function by manufacturing and releasing of pancreatic enzymes, Stimulating peristalsis of the intestines, Restoring the friendly intestinal flora, Preventing of stagnation of food in the digestive tract, Normalizing body acid alkaline balance, etc.

 These effects are caused by beneficial complex composition of potassium, sodium, magnesium, calcium, sulfates, bicarbonates, chlorides, and a lot of trace minerals such as zinc, cobalt, selenium, lithium, copper and more in ionic form.  In Europe drinking the water manufactured from the genuine Karlovy Vary thermal spring salt is very effective complementary approach for healing diabetes, obesity, metabolic syndrome, high blood lipids, gout, and osteoporosis.

 Therapeutic modalities of healing mineral water manufactured from the genuine Karlovy Vary thermal spring salt makes it useful to many different American professionals: medical doctors, naturopathic physicians, herbalists, acupuncturists, nutritionists, chiropractors, and colon hydro therapists. The water manufactured from the genuine Karlovy Vary thermal spring salt is for anyone looking to slow aging, detoxify the body, healing an illness, or promote wellness. 

 

The information on this article is presented for educational, informational purposes only. It is not intended as a substitute for the diagnosis, treatment and advice of a qualified licensed professional.

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January 18th 2009

Treatment Without Drugs In Europe



Treatment without drugs by medical doctors in United States is very rarely event. On the contrary, European doctors quite often prescribe non drug treatment to their patients. For example in German is popular herbal medicine, in French – homeopathy and so on. Many European doctors send their patient to the healing mineral spas or sanatoriums. Balneotherapy  - treatment with mineral waters is the medical science that is taught in European medical schools. There are many healing mineral spas all over Europe and every year thousands ill people spend their healthy vacations near to mineral springs.

The most popular drinking healing mineral water is from Karlovy Vary – spa pearl of Europe. The Czech town of Karlovy Vary (Carlsbad) has been a famous international healing resort since the 1700s. Europeans call the town’s mineral water the “healing gift from the earth” or the “miracle mineral water.” Visitors throughout Europe and Asia have been traveled to Karlovy Vary for one to six month stays to drink the Karlovy Vary Healing Mineral Water for different chronic conditions.

Many years Karlovy Vary water was carried by barrels and bottles all over the Europe for treatment of rich people. European doctors understood that mineral content is a major healing factor of this water and research was done to manufacture the salt from the evaporated thermal spring water. In 1764, an inexpensive method was discovered that made it possible to distribute the water all over the world for treatment at home. Czech doctors determined that the water manufactured from the genuine Karlovy Vary thermal spring salt had identical healing properties as at the spring.

Karlovy Vary healing mineral water is among the world’s best-studied natural remedies. Hundreds of clinical texts and articles have been published describing the positive effects of the water on both animals and humans. Unfortunately most of them were published in Czech, German, Russian thus there are unknown by American medical establishment.

Mineral water preparing from the Karlovy Vary thermal spring salt has been successful in healing conditions such as chronic hepatitis, fatty liver, metabolic syndrome, early stages of cirrhosis, chronic pancreatitis, esophageal acid reflux, diverticulosis, constipation, Chron’s disease, parasites, etc.

100 years ago, this healing mineral water was the only possible way to treat diabetes, obesity, gout, stomach ulcers, and gallbladder and kidney stones. Today it remains a very important complementary approach for healing these disorders.

Mineral water preparing from the Karlovy Vary Thermal Spring Salt also is a safe natural alkalizer. Drinking this water normalizes the slightly alkaline body’s environment and prevent the chronic metabolic acidosis 

Researches have concluded that this water may reduce the development of complication of chronic pancreatitis.

This conclusion was based on several factors: 

It promotes the production of liquid, easy to eliminate bile by liver. It can decrease the pressure inside the common bile duct and pancreatic duct by restoration of proper function of sphincter Oddi (the valve between bile and pancreatic duct and duodenum). It can decrease congestion in the pancreas, to promote elimination of pancreatic juices. It has anti inflammation and anti microbial properties. It is very beneficial for the friendly intestinal flora. It restores the depletion of life important bicarbonates, minerals and microelements such as magnesium, potassium, selenium, zinc, etc. It can normalize the acid-alkaline balance for better secretion alkaline pancreatic juices.

 The purpose of this article is to bridge the information gap between the European and American doctors, health practitioners and thousands people which want to be healthy.

 

The information on this article is presented for educational, informational purposes only. It is not intended as a substitute for the diagnosis, treatment and advice of a qualified licensed professional.

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