Monday, December 31, 2007

Vanadyl Sulfate and Diabetes

by: Dr. Mark S. Johnson

Vanadyl sulfate is a form of the vanadium, a trace mineral. In Europe, vanadium is often used as a natural treatment for diabetes. Vanadium has been found in human studies to imitate the effects of insulin in our bodies. This ability may allow some of those with diabetes, a natural method to help lower blood sugar, taken less insulin or in some instances stop taking insulin altogether.

Vanadium is believed to assist in the transfer of sugar in the blood (glucose) into muscles, similar to the function of insulin. It is also believed to increase insulin sensitivity in the muscles. This is important to Type 2 diabetics especially, in that one factor in the development of diabetes can be insulin resistance.

This transfer of glucose into muscle tissue has also been touted by weightlifters and body builders. Vanadium allows the body to store more energy in the muscles,therefore decreasing the need for conversion to triglycerides for fat storage.

Diabetics should consult their physician prior to taking Vanadyl sulfate. They should also monitor their blood sugar regularly when taking a vanadyl supplement because of the potential to lower blood sugar and decrease insulin needs.

The effects of vanadium have been shown to last for weeks, even in the absence of further supplementation. Therefore it is suggested that it be taken in cycles. It is probably best to take vanadyl sulfate supplements for about three weeks and then discontinue their use for about three weeks. By utilizing this valuable adjunct to the treatment of diabetes in this manner a diabetic can improve sugar control and avoid any potential toxicity.

http://www.diabetessites.com

About The Author

Dr. Mark S. Johnson, D.C., FAFICC, QME is a doctor of chiropractic medicine, specializing in nutrition and exercise. He is a Fellow of the Academy of Forensic and Industrial Chiropractic Consultants and a Qualified Medical Evaluator for the State of California


Sunday, December 30, 2007

Diabetes Relief And Prevention Through Exercise

by: Patrick Mckeeman

Diabetes is something that can be treated and even prevented very effectively with exercise. Most people are aware of the many other benefits of exercise but the one that could have the greatest impact on the health-care system is the prevention and relief of this health problem.

Diabetes comes in two main types. These are type I and type II.

Type I occurs when your pancreas is producing too little insulin or in some cases not producing any at all. If you already have type I you of course have the daily task of injecting insulin into your body in order to control your glucose levels.

This is not an enjoyable thing to do. If you currently do not have type I diabetes then learn to prevent it through exercise and healthy living. The alternative may be daily injections for the rest of your life.

The second main type of diabetes is known as Type II. Many people also refer to it as adult onset diabetes.

If you are suffering from the symptoms of Type II it's due to you pancreas not being able to make enough insulin to control glucose levels. It can also occur when your cells do not respond properly to insulin.

This is commonly known as insulin resistance.

One of the most effective ways of dealing with insulin resistance is through exercise and good nutritional habits. A large number of people with this type of diabetes are over-weight.

Therefore, weight control is a must. If you are not active, over-eat and become obese, you have a very high risk of being afflicted with type II. In most cases, simply adding in exercise, including both weight training and cardiovascular exercise, along with good eating habits is enough to prevent type II diabetes.

Only in rare cases will this not work, and medication is needed.

With type II diabetes there are a number of other health problems that can then occur, including; high cholesterol, obesity, and hypertension. Exercise has a very positive effect on Type II for improving insulin sensitivity.

Ninety percent of all people with this health problem actually have type II, and exercise will help your body to process glucose at a quicker rate, lowering any high blood sugar symptoms you may have.

The intensity of your exercise session also plays a role. A more intense exercise program will help your body to utilize glucose quicker. However, high intensity does not mean faster. There is a difference.

Obviously before beginning any type of exercise program, regardless of what type of diabetes you have, you should check with your doctor. There are many differences between exercise for different types of diabetes that you need to be aware of before starting.

There can be certain dangers resulting from injecting insulin just before you begin to exercise. One situation that can occur is the risk of hypoglycemia or insulin shock during the exercise session.

Here are some general rules to keep in mind when exercising if you are type I: allow for enough rest between weight training sets to avoid high blood pressure symptoms; avoid lifting heavy weights or going to failure on each set; when doing cardio, avoid high impact exercises such as running outside; always ensure that you have carbohydrates in your system before you start and a supply of them nearby as well.

You may begin to feel shaky, disoriented, hungry, anxious or become irritable if you allow your blood sugar levels to get too low. Having a carbohydrate snack or drink nearby will help prevent these symptoms very quickly.

Blood glucose analyzers are very effective tools to use when exercising. You can test your blood sugar to ensure it's not at a level below 80 - 100 mg/dl range and not above 250 mg/dl.

During your post-exercise recovery period, around three to five hours after you complete your exercise session, so-called diabetic diets can be beneficial. Diabetic diets should consist of a good amount of carbohydrates to prevent hypoglycemia.

Exercise has its greatest impact on people with type II diabetes because of its positive effects on insulin sensitivity. Proper exercise and sound nutritional habits work considerably well for type II diabetics.

Consistency is critical in the prevention of type II diabetes. You can't expect to exercise now and then, and prevent it. You need to make exercise part of your life if it's going to be effective.

About The Author

Patrick Mckeeman has very quick, easy & effective health & fitness solutions for you. For extensive information on diabetes & exercise please go to: http://www.man-health-fitness-solutions.com/diabetes.html


Saturday, December 29, 2007

How Important Is The Right Diabetes Diet?

by: Dana Goldberg

There is nothing more important than the right diabetes diet. Diabetes is a serious disease that you need to learn as much as you can about if your or someone that you care about has been diagnosed with it. Eating right and staying healthy is the only way to battle diabetes and knowing what you can and cannot eat is essential. If you have the proper diet you may be able to have some control over your diabetes.

Having diabetes is a balancing act and it is one that you can manage if you take the time to learn how. As long as you are eating the right amount of healthy foods and you are avoiding all of the sugar that you are not allowed to eat you will be well on your way to staying healthy in spite of diabetes.

Keeping an eye on your sugar intake is key to good diabetes diet management. This will mean learning all of the best sugar replacements and sugar free foods. This used to be a lot harder than it is now. These days there are all kinds of great sugar replacements, many are even perfect for baking, and the sugar free products are becoming ever so popular. Even people without diabetes are choosing them over the sugar filled alternatives. Sugar free products taste delicious, which makes the easy to eat and enjoy while still maintaining a good blood sugar level.

You will also need to watch how much food that you eat. Eating too much or too little can have a negative impact on your diet and health. Talk to your doctor about how much food you should be eating each and every day and what times are optimal. Your diabetes diet will have to be set just right if you want to stay in perfect control and health. As long as you eat right every day you will stay feeling good and healthy for years to come.

About The Author

Dana Goldberg is the owner of Lose Weight Free Tips. Learn how to lose weight and body fat. http://www.loseweightfreetips.com.


Friday, December 28, 2007

Diabetes and Your Eyesight

by: Lucy Nicholas

What does diabetes mean to a common man? Sugar? But it’s not that simple. Diabetes is a multi-organ disease that affects almost all parts of the body simultaneously and eyes are most commonly affected. The side affects of diabetes can be prevented or delayed by being in touch with doctors.

Early diagnosis and treatment goes a long way in preserving good eyesight throughout life. Sometimes, diabetes may be first detected by manifestations in the eye like infections, boils, styes, recurrent redness, mild haziness of vision, double vision, frequent change of glasses for reading, difficulty in focusing near or distance, difficulty in driving especially at night, glare etc. as these signs also appear in established diabetic patients. In the presence of these suspicious symptoms or when in doubt it’s wise to have detailed eye testing from a specialist.

The main affect of diabetes on eyes is a matter of concern since it can cause permanent untreatable blindness - diabetic retinopathy. In simple terms it means diabetic affects or deposition on retina of the eye. In early stages diabetic retinopathy many not have any symptom to warn you of it happening inside the eye. This can only be detected by detailed, meticulous examination of the retina. This early detection is only possible by awareness and understanding of the disease, regular eye examination, minimum once a year, unless told otherwise by the eye surgeon, early referrals by diabetologists, endocrinologists, treating physicians and general doctors, all of whom need to get their diabetic patients cleared of diabetic retinopathy, off and on, as they do to rule out other complications of the disease.

In fact, in this early stage, when there may be just a thickening of the retina or presence of tiny blood clots due to diabetes, called CSME, even in the presence of normal 6/6 vision, laser treatment benefits the patient the most. If diabetic retinopathy is diagnosed at a later stage, it progresses to severe stage with abundance of hemorrhages, exudates and fluids and formation of new blood vessels, ultimately leading to complete blindness due to total bleeding inside the eye, which requires major eye surgery to retrieve a little bit of vision that could have been almost 100 percent in earlier stages.

Uncontrolled diabetes and diet, blood pressure, excess weight and cigarette smoking are not good associations. It is absolutely necessary to get your eyes tested when your treatment is shifted from oral drugs to insulin because the latter can cause start/worsening of diabetic changes in the retina, and that too at a fast speed. Diabetic retinopathy in pregnancy should be carefully monitored. Cataract surgery can worsen the retinal condition and get it checked immediately after the surgery. Diabetes can also cause fast maturation of cataract.

About The Author

Lucy Nicholas also writes on how to treat acne. More info: http://www.natural-acne-treatments-reviews.com/.


Thursday, December 27, 2007

Natural Ways To Treat Diabetes

by: Gray Rollins

Diabetes is a disease caused when the body does not properly produce insulin. Seven percent of the population in the United States has diabetes. There are two types of the disease. Type one diabetes is where the body does not produce insulin and type two is where the body resists insulin. The majority of people diagnosed with this disease have type two. Symptoms of diabetes include extreme thirst, hazy vision, excessive hunger, weight fluctuation, fatigue and frequent urination. Diabetes is often controlled with insulin and prescription drugs, but diet and exercise play a large part in the ability to control the disease. There are also herbs that can help reduce the effects of diabetes.

Ensure a healthy diet by concentrating on foods such as vegetables, grains, fiber and legumes. These foods will help regulate sugar in the blood stream. Avoid junk food and foods that contain sugar such as cakes, cookies and other sweets. Alcohol, tobacco and caffeine should also be avoided to maintain a nourishing diet.

Exercise helps promote good health and combats against the negative effects of diabetes. It is important to exercise regularly and keep an appropriate weight. People who are inactive or overweight have a higher risk factor for diabetes and are prone to suffer from more side effects caused by the disease. It is especially important to exercise to build muscle. Starting a weight program will increase muscle mass which will increase sensitivity to insulin.

There are many herbal remedies recognized for their therapeutic properties of treating diabetes. They are commonly found in pharmacies and grocery stores and can be a great natural remedy. Prickly pear cactus has shown positive results in the treatment of this disease and was recently recognized by the International Diabetes Center as a viable natural remedy. Bitter Melon has been used for years in Asia, Africa and South America for treatment. Garlic will reduce sugar levels and is a healthy way to add flavor to food while benefiting from its curative traits. Other common herbs are ginseng, psyllium, fenugreek, bilberry, dandelion and burdock.

Vitamin supplements are frequently used to help treat diabetes with the most commonly recommended ones being vitamins B6, C and E. Also, zinc, selenium, alpha lipoic acid, chromium and vanadium are commonly used. Rather than take individual supplements, some patients opt for a multivitamin to add to their diet.

Diabetes is a disease that affects a large portion of the population. The risks associated with it are serious but can be controlled with lifestyle change. Ensuring a well balanced diet and good exercise routine will help in preventing side effects. Also, proper use of herbs, vitamins and natural remedies will help prevent the necessity for more traditional means of medication.

About The Author

Gray Rollins is a featured writer for MyDiabetesInfo. To learn more about Diabetes Treatment, visit http://www.mydiabetesinfo.com/diabetestreatment/ and http://www.mydiabetesinfo.com/naturalcurefordiabetes/.


Wednesday, December 26, 2007

Diabetes: The $132 Billion Dollar Pandemic

by: Dr Robert Gamble

You know, it’s not everyday a fellow like me gets to announce a major paradigm shift, much less concerning diabetes …or any other medical condition.

You don’t know what a paradigm shift is? Well, if I mentioned events and names like: Gutenberg, Copernicus, Isaac Newton, Albert Einstein, Louis Pasteur, and Werner von Braun …you would probably guess a paradigm shift is major shift in thinking…and you would be right.

Back in the 1960’s, Thomas Kuhn wrote a famous book, The Structure of Scientific Revolutions. In it, he destroyed the common misconception so many of us have about science.

We tend to think scientific progress is ushered in by a slow, line upon line, piece by piece development of thought over time.

Thomas Kuhn showed that, historically, scientific progress occurs in leaps …and is always confronted by a struggle with an “old guard.” The old scientific theorists hold tenaciously to their (usually tenured or profitable) positions and array themselves against the new discovery, attempting to drive it away.

But, the new guard – the new discoverers, inventors, explorers– takes the new discoveries and advances it over the thinking of the old establishment. Rarely is the old guard converted to the new patterns of thinking (new discovery). They just die off. The new position wins by attrition …truth…and perseverance.

Diabetes: The $132 billion dollar pandemic

Diabetes is on the front edge of such a paradigm shift.

Diabetes afflicts over 18 million Americans. That is double the number of people with diabetes just since 1991 alone.

According to the CDC, one in every three Americans will develop diabetes in their life*time. Let that sink in…one in every three Americans will develop diabetes in their life*time.

It is estimated over 40 million Americans can be classified as “pre-diabetes” meaning they have blood sugar levels higher than normal but still below the type 2 diagnosis level which helps to define diabetes.

By anyone’s standard that is pandemic (goes far beyond epidemic proportions). The cost for this carnage is over $132 BILLION DOLLARS. So much expense, grief and sorrow…and unnecessary.

Diabetes: A reflection of our culture.

We are a fast food, sedentary, “get-our-fix-now” generation. More than one in every two Americans are overweight. We don’t exercise as we should. All of which affects glucose levels. Diabetes is a lifestyle disease…and we’ve got the lifestyle.

Diabetes: The important announcement

That said, diabetes is a condition which CAN be turned around. Glyconutrition is the new discovery shaking the medical and scientific worlds. There are four Nobel Prizes and MIT testifying to the fact that glycobiology is one of the 10 technologies/discoveries which will shape our world.

Glyconutrition is more than just a promising new treatment for diabetes. Many are starting to whisper “VICTORY” over diabetes in their approach to disease.

Whether that is the case, time will tell.

Oh no… The problem is not a failure of glyconutrition. It is the building block VITAL to healthy cell*ular function and it is extremely vital to the proper functioning of the IMMUNE system. Those are known facts.

Diabetes is an auto-immune disease meaning, your body’s immune system gets misguided messages. Thus, it starts attacking the islet cells in the pancreas which produces insulin. Voila...diabetes!

But, the problem is NOT whether glyconutrition really works. Anecdotal evidence (market buzz!) is already overwhelming in favor of glyconutritional therapy for diabetes. As is the professional research.

No…the actual science is NOT the problem. The problem is the old guard again. Thomas Kuhn’s book is almost prophetic. The old guard, the medical and pharmaceutical establishment, just can’t accept the findings of (their own) research… “What! A nutrient… to treat diabetes?” “Hogwash,” one can almost hear them say.

Actually, I wish they were saying that out loud. The reality is, they just ignore the issue. You see, too much is at stake. Like billions of dollars…uh…a $132 billion dollars. All of that mon*ey (read, “business”) disappears if glyconutrition continues to “pan out” the way the research shows us. But, for no^w, the only thing “panning out” is a diabetes pandemic.

Yet, glyconutrition gets shunned as an official diabetes treatment approach.

A study published in the 1997 issue of the Proceedings of the Fisher Institute for Medical Research showed that people with type 1 diabetes who were given glyconutrients “…reported a dramatic improvement in their health, including a decrease in vision problems, better wound healing, less infections, and lower blood pressure.” (Miracle Sugars, by Rita Elkins, M.H., Woodland Publishing, p. 26)

“Glycobiology has achieved critical breakthroughs in the medical field, primarily by addressing what could be the greatest plague in health care today -- auto-immune diseases. Multiple sclerosis, arthritis, diabetes, Crohn’s disease and colitis are just a few of these diseases.” - Dr. Neecie Moore, Ph.D. (cf. Rita Elkins, M.H.

Miracle Sugars, Woodland Publishing, p. 18.)

Also, mannose (one glyconutrient) can stimulate the pancreas to produce more insulin “…thus lowering the amount of insulin needed to control this disease.” (Miracle Sugars, p. 27).

Reality Check: The lives of 1 out of every 3 Americans are affected directly by diabetes and there is a $132 billion dollar diabetes pandemic running amuck in our midst. So, I sure hope this paradigm shift - glyconutrition - gets less opposition from the “powers that be” (the “old guard”), and is given its rightful place in the sun…soon.

But, with the mon^ey being made by the pharmaceuticals and their drugs, and the astoundingly simplistic view of disease treatment (“Blast that disease with technology and drugs!”) it is doubtful if Thomas Kuhn’s “paradigm shift” will work out any differently for diabetes across the land.

The old guard will attack and ignore the discovery — arguably, the greatest in medical history in over a hundred years — and, a la Kuhn, they will simply go the way of the Dodo Bird and diabetes treatment will receive its due.

About The Author

Dr. Robert Gamble is retired from a very successful medical/surgical career. His articles are designed to encourage people about the exciting discoveries surrounding glyconutrition. Visit www.glycoshare.com or write sharethegift@glycoshare.com or…

call toll free: 1866.735.5871

Friday, November 16, 2007

How Essential Fatty Acids Improve Your Brain Power and Mental Health

by: Rudy Silva

What is your brain made of?

Over 50% of your brain is made of good fat. Twenty percent of this good fat comes from EPA and DHA. Remember EPA and DHA comes from,

  • omega-3 fatty acids

  • eating fish

  • borage oil

  • primrose oil

  • parilla oil

  • NOK oil

I have covered all these oils in other articles except NKO Krill Oil. This oil is the new kid on the block. It comes from Antarctic krill, a crustacean found in the Antarctic waters. It provides EPA and DHA like borage oil does, but its chemical structure is phospholipids. Phospholipids are easier for your cells to absorb than borage oil's EPA and DHA, which is in the form of triglycerides.

The essential fatty acids provide the chemical molecules to make Phospholipids. These phospholipids gather together to form a protective barrier around each cell in your body.

If the fatty acids are in phospholipids form, your body is able to use them quicker and more efficiently.

This is what makes NOK oil a more bio-available advanced oil than borage or primrose oil.

If you are deficient in the essential fatty acids, you will be more susceptible to these conditions:

  • Alzheimer's disease

  • Anxiety and body stress

  • Heart disease

  • Attention deficit disorder

  • Attention deficit hyperactivity disorder

  • Bipolar disorder

  • Chronic fatigue syndrome

  • Depression

  • Learning disorders

  • Memory impairment

  • Parkinson's disease

  • Schizophrenia

Making Your Brain Work Like It Should

Your brain needs a good daily supply of the essential fatty acid omega-3. It also uses omega-6 and AA (Arachidonic acid). So this means taking a good dose of NKO oil is a necessary daily routine for keeping your brain from shrinking.

Alzheimer's disease

Doctors believe that if every one lived to be over 120 years, they would come down with Alzheimer's disease. It is a disease that once your have it, all you can do, at this time, is to slow its progression using certain drugs and nutrients.

Before your brain starts to deteriorate to where it contains nodules of toxins, excess oxidation due to free radicals, and weaken and narrowing blood vessels, it might be a good idea to start feeding it the food it needs.

DHA is in order for Alzheimer's disease. When DHA is deficient in your diet, you can expect to have memory loss and become depressed as you age.

Lecithin is also in order since it helps to provide choline, a precursor to the memory neurotransmitter acetylcholine. It also provides the chemicals to produce RNA.

Heart disease is closely related to Alzheimer's because the heart must be strong enough to pump plenty of blood into the brain and the arteries must open enough to circulate enough blood through the brain and throughout your body.

Even if you don't come down with Alzheimer's or your family history doesn't support it, most of us are in line for dementia. Dementia is also attributed to deterioration of brain cells and support tissue. One of the causes of dementia is a diet that has been deficient in the essential fatty acids.

Here is my recommendation for supplementing with the essential fatty acids:

  • Eat more good fish, at least once a week and occasionally twice a week

  • Eat less fat and particularly saturated fat. A good number for daily fat intake is 15-20% of your overall calories.

  • Take daily, flax seed oil and olive oil for the omega-3 and omega-6 oils

  • Take a daily supplement of NKO or Borage oil, which supplies EPA and DHA

About The Author

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter called "Natural Remedies Thatwork.com." For more information on essential fatty acids go to http://www.fatty-acid-remedies.for--you.info

rss41@yahoo.com


Thursday, November 15, 2007

Medicines In Mental Health


by: Steven Hall

You walk into a moderately business office sit down a chair in a well-dressed lobby and wait for your name to be announced. Finally, it comes and you are assessed by an intake worker, finally sent to a therapist a week later, and then recommended to the staff psychiatrist. In this short time, you were diagnosed with Bipolar, Depression, which is an element of bipolar, and posttraumatic stress disorder.

You also have a history of Diabetes, High-Blood Pressure, and Allergies. Now the doctor is not aware of the inflammatory fiber nerve disease underlying the symptoms. You continue to visit the mental health experts complaining constantly of your symptoms, and they begin treating you like a Hypochondriasis. (Someone occupied with health issues and most times are exaggerated)…you begin feeling confused, disappointed with the therapist, and decide to go to see a physician that finds a fiber nerve disease, which proves that you complaints are valid.

However, you were already given prescriptions for psychotic and depressive symptoms. You begin taking the medications and suddenly your insurance policy stops payment on the drug Effexor XR. Suddenly, you explode feeling aggressive, wanting to kill, wanting to die, wanting to harm and there is no explanation since these feelings has never occurred to this magnitude before you took the antidepressants prescribed. Now the problem has increased and you are searching desperately for an answer, yet you find nothing. What went wrong you might ask?

Well, Effexor XR is given to patients with depression and bipolar symptoms. Since Effexor is said to target the brain chemicals increasing the Norepinephrine and Serotonin in the brain, it is claimed to eliminate symptoms of depression and bipolar. Now Effexor XR is notorious (once the medication is stopped abruptly) for increasing behaviors including, suicidal thinking, impulsive behaviors, violent outburst and so forth.

The Prescription has caused increase in Blood making it a bad deal for patients with High-Blood Pressure. Now you went to the therapist to fix a problem and your problems has increased dramatically at it is all because of health care, mental health, medical, and so on. You start feeling that it cannot get any worse, but the doctors continue increasing your medicines prescribing Tenormin (Atenolol) for your pain and after prescribing numerous doses of inflammatory prescriptions, which lead to stomach disorders, you are now taking meds to control your stomach. Moreover, it does not stop here. Next, you are given Impramine HCL for pain, Tramadol for pain, and rotated between antidepressants finally prescribed Effexor XR again.

If you are feeling alone you are not, since many times doctors, mental experts, and health care providers make this mistake excessively many times to count. It is ludicrous to go to mental health experts all to find severe complications exploding your life and you are the one to blame, when in reality these experts made a serious mistake. Since the mental health expert obviously had no choice but to eliminate Hypochondriasis, and claim that they were only searching for answers to the problem (making excuses) you finally say I am searching for another mental health expert, since you have no idea what you are doing.

You go to the next office; sit, wait, and when you are called you talk to an intake worker, then a therapist, and finally a psychiatrist. You go through the same procedures wondering if these experts are smarter than the other experts you just left, and soon find yourself on Effexor XR, Impramine HCL, Tramadol, and a variety of other medications.

I told you people what happen before you tell the experts, yet they ignore your cries and tell you to take your medications as prescribed. Are we fixing problems or are we adding to the many problems we face every day. Some mental diagnoses were later proven a medical problem or central nervous interruption that created a series of symptoms delusional to mental health experts, believing that the patient was mentally ill.

Caught in a web of testing and despair we often fight to find a reason that our minds are tricking us into acting out of accordance to the so-called normal. The solution is right in front of them in most cases, yet everyone is turning their heads and looking for another answer.

About The Author

Steve Hall is the owner of http://www.your-official-guide.com, your one-stop location for getting the information you are looking for on a wide ranging and ever-growing list of subjects.


Wednesday, November 14, 2007

How Essential Fatty Acids Improve Your Brain Power and Mental Health

by: Rudy Silva

What is your brain made of?

Over 50% of your brain is made of good fat. Twenty percent of this good fat comes from EPA and DHA. Remember EPA and DHA comes from,

  • * omega-3 fatty acids
  • * eating fish
  • * borage oil
  • * primrose oil
  • * parilla oil
  • * NOK oil

I have covered all these oils in other articles except NKO Krill Oil. This oil is the new kid on the block. It comes from Antarctic krill, a crustacean found in the Antarctic waters. It provides EPA and DHA like borage oil does, but its chemical structure is phospholipids. Phospholipids are easier for your cells to absorb than borage oil's EPA and DHA, which is in the form of triglycerides.

The essential fatty acids provide the chemical molecules to make Phospholipids. These phospholipids gather together to form a protective barrier around each cell in your body.

If the fatty acids are in phospholipids form, your body is able to use them quicker and more efficiently.

This is what makes NOK oil a more bio-available advanced oil than borage or primrose oil.

If you are deficient in the essential fatty acids, you will be more susceptible to these conditions:

  • * Alzheimer's disease
  • * Anxiety and body stress
  • * Heart disease
  • * Attention deficit disorder
  • * Attention deficit hyperactivity disorder
  • * Bipolar disorder
  • * Chronic fatigue syndrome
  • * Depression
  • * Learning disorders
  • * Memory impairment
  • * Parkinson's disease
  • * Schizophrenia

Making Your Brain Work Like It Should

Your brain needs a good daily supply of the essential fatty acid omega-3. It also uses omega-6 and AA (Arachidonic acid). So this means taking a good dose of NKO oil is a necessary daily routine for keeping your brain from shrinking.

Alzheimer's disease

Doctors believe that if every one lived to be over 120 years, they would come down with Alzheimer's disease. It is a disease that once your have it, all you can do, at this time, is to slow its progression using certain drugs and nutrients.

Before your brain starts to deteriorate to where it contains nodules of toxins, excess oxidation due to free radicals, and weaken and narrowing blood vessels, it might be a good idea to start feeding it the food it needs.

DHA is in order for Alzheimer's disease. When DHA is deficient in your diet, you can expect to have memory loss and become depressed as you age.

Lecithin is also in order since it helps to provide choline, a precursor to the memory neurotransmitter acetylcholine. It also provides the chemicals to produce RNA.

Heart disease is closely related to Alzheimer's because the heart must be strong enough to pump plenty of blood into the brain and the arteries must open enough to circulate enough blood through the brain and throughout your body.

Even if you don't come down with Alzheimer's or your family history doesn't support it, most of us are in line for dementia. Dementia is also attributed to deterioration of brain cells and support tissue. One of the causes of dementia is a diet that has been deficient in the essential fatty acids.

Here is my recommendation for supplementing with the essential fatty acids:

  • * Eat more good fish, at least once a week and occasionally twice a week
  • * Eat less fat and particularly saturated fat. A good number for daily fat intake is 15-20% of your overall calories.
  • * Take daily, flax seed oil and olive oil for the omega-3 and omega-6 oils
  • * Take a daily supplement of NKO or Borage oil, which supplies EPA and DHA

About The Author

Rudy Silva has a degree in Physics and is a Natural Nutritionist. He is the author of Constipation, Acne, Hemorrhoid, and Fatty Acid ebooks. He writes a newsletter called "Natural-Remedies-Thatwork.com." For more information on essential fatty acids go to http://www.fatty-acid-remedies.for--you.info


Monday, November 12, 2007

Real Men, Real Depression! (Mental Health Matters)

by: Arthur Buchanan

Depression is a serious but treatable medical condition - a brain disease - that can strike anyone, including men. In America alone, over 6 million men have depression each year.

Whether you're a company executive, a construction worker, a writer, a police officer, or a student, whether you are rich or poor, surrounded by loved ones or alone, you are not immune to depression. Some factors, however, such as family history, undue stress, the loss of a loved one or other serious illnesses can make you more vulnerable.

If left untreated, depression can lead to personal, family and financial difficulties, and, in some cases, end in suicide. With appropriate diagnosis and treatment, however, most people recover. The darkness disappears, hope for the future returns, energy and desire come back, and interest in life becomes stronger than ever

Depression can strike anyone regardless of age, ethnic background, socioeconomic status, or gender; however, large scale research studies have found that depression is about twice as common in women as in men. In the United States, researchers estimate that in any given one year period, depressive illnesses affect 12 percent of women (more than 12 million women) and nearly 7 percent of men (more than six million men).3 But important questions remain to be answered about the causes underlying this gender difference. We still do not know if depression is truly less common among men, or if men are just less likely than women to recognize, acknowledge, and seek help for depression.

Types of Depression

Just like other illnesses, such as heart disease, depression comes in different forms. This booklet briefly describes three of the most common types of depressive disorders. However, within these types, there are variations in the number of symptoms, their severity, and persistence.

Major depression (or major depressive disorder) is manifested by a combination of symptoms (see symptoms list below) that interferes with the ability to work, study, sleep, eat, and enjoy once pleasurable activities. A major depressive episode may occur only once; but more commonly, several episodes may occur in a lifetime. Chronic major depression may require a person to continue treatment indefinitely.

A less severe type of depression, dysthymia (or dysthymic disorder), involves long lasting, chronic symptoms that do not seriously disable, but keep one from functioning well or feeling good. Many people with dysthymia also experience major depressive episodes at some time in their lives.

Depression

Persistent sad, anxious, or “empty” mood.

Feelings of hopelessness or pessimism.

Feelings of guilt, worthlessness, or helplessness.

Loss of interest or pleasure in hobbies and activities that were once enjoyable, including sex.

Decreased energy, fatigue; feeling “slowed down.”

Difficulty concentrating, remembering, or making decisions.

Trouble sleeping, early morning awakening, or oversleeping.

Changes in appetite and/or weight.

Thoughts of death or suicide, or suicide attempts. Restlessness or irritability.

Persistent physical symptoms, such as headaches, digestive disorders, and chronic pain that do not respond to routine treatment.

Men and Depression

Researchers estimate that at least six million men in the United States suffer from a depressive disorder every year. Research and clinical evidence reveal that while both women and men can develop the standard symptoms of depression, they often experience depression differently and may have different ways of coping with the symptoms. Men may be more willing to acknowledge fatigue, irritability, loss of interest in work or hobbies, and sleep disturbances rather than feelings of sadness, worthlessness, and excessive guilt. Some researchers question whether the standard definition of depression and the diagnostic tests based upon it adequately capture the condition as it occurs in men.

Men are more likely than women to report alcohol and drug abuse or dependence in their lifetime;14 however, there is debate among researchers as to whether substance use is a “symptom” of underlying depression in men or a co occurring condition that more commonly develops in men. Nevertheless, substance use can mask depression, making it harder to recognize depression as a separate illness that needs treatment.

Instead of acknowledging their feelings, asking for help, or seeking appropriate treatment, men may turn to alcohol or drugs when they are depressed, or become frustrated, discouraged, angry, irritable, and, sometimes, violently abusive. Some men deal with depression by throwing themselves compulsively into their work, attempting to hide their depression from themselves, family, and friends. Other men may respond to depression by engaging in reckless behavior, taking risks, and putting themselves in harm’s way.

More than four times as many men as women die by suicide in the United States, even though women make more suicide attempts during their lives. In addition to the fact that men attempt suicide using methods that are generally more lethal than those used by women, there may be other factors that protect women against suicide death. In light of research indicating that suicide is often associated with depression, the alarming suicide rate among men may reflect the fact that men are less likely to seek treatment for depression. Many men with depression do not obtain adequate diagnosis and treatment that may be life saving.

Depression in Older Men

Men must cope with several kinds of stress as they age. If they have been the primary wage earners for their families and have identified heavily with their jobs, they may feel stress upon retirement­loss of an important role, loss of self esteem­that can lead to depression. Similarly, the loss of friends and family and the onset of other health problems can trigger depression.

Depression is not a normal part of aging. Depression is an illness that can be effectively treated, thereby decreasing unnecessary suffering, improving the chances for recovery from other illnesses, and prolonging productive life. However, health care professionals may miss depressive symptoms in older patients. Older adults may be reluctant to discuss feelings of sadness or grief, or loss of interest in pleasurable activities.

They may complain primarily of physical symptoms. It may be difficult to discern a co occurring depressive disorder in patients who present with other illnesses, such as heart disease, stroke, or cancer, which may cause depressive symptoms or may be treated with medications that have side effects that cause depression. If a depressive illness is diagnosed, treatment with appropriate medication and/or brief psychotherapy can help older adults manage both diseases, thus enhancing survival and quality of life.

Identifying and treating depression in older adults is critical. There is a common misperception that suicide rates are highest among the young, but it is older white males who suffer the highest rate. Over 70 percent of older suicide victims visit their primary care physician within the month of their death; many have a depressive illness that goes undetected during these visits. This fact has led to research efforts to determine how to best improve physicians’ abilities to detect and treat depression in older adults.

Approximately 80 percent of older adults with depression improve when they receive treatment with antidepressant medication, psychotherapy, or a combination of both. In addition, research has shown that a combination of psychotherapy and antidepressant medication is highly effective for reducing recurrences of depression among older adults. Psychotherapy alone has been shown to prolong periods of good health free from depression, and is particularly useful for older patients who cannot or will not take medication.18 Improved recognition and treatment of depression in later life will make those years more enjoyable and fulfilling for the depressed elderly person, and his family and caregivers.

A depressive disorder is not the same as a passing blue mood.

Depression can strike anyone regardless of age, ethnic background, socioeconomic status, or gender; however, large scale research studies have found that depression is about twice as common in women as in men.In the United States, researchers estimate that in any given one year period, depressive illnesses affect 12 percent of women (more than 12 million women) and nearly 7 percent of men (more than six million men) But important questions remain to be answered about the causes underlying this gender difference. We still do not know if depression is truly less common among men, or if men are just less likely than women to recognize, acknowledge, and seek help for depression.

Symptoms of Depression

Not everyone who is depressed or manic experiences every symptom. Some people experience only a few; some people suffer many. The severity of symptoms varies among individuals and also over time.

Depression

Persistent sad, anxious, or “empty” mood.

Feelings of hopelessness or pessimism.

Feelings of guilt, worthlessness, or helplessness.

Loss of interest or pleasure in hobbies and activities that were once enjoyable, including sex.

Decreased energy, fatigue; feeling “slowed down.”

Difficulty concentrating, remembering, or making decisions.

Trouble sleeping, early morning awakening, or oversleeping.

Changes in appetite and/or weight.

Thoughts of death or suicide, or suicide attempts.

Restlessness or irritability.

Persistent physical symptoms, such as headaches, digestive disorders, and chronic pain that do not respond to routine treatment.

Depression can coexist with other illnesses. In such cases, it is important that the depression and each co occurring illness be appropriately diagnosed and treated.

Research has shown that anxiety disorders­which include post traumatic stress disorder (PTSD), obsessive compulsive disorder, panic disorder, social phobia, and generalized anxiety disorder­commonly accompany depression. Depression is especially prevalent among people with PTSD, a debilitating condition that can develop after exposure to a terrifying event or ordeal in which grave physical harm occurred or was threatened.

Traumatic events that can trigger PTSD include violent personal assaults such as rape or mugging, natural disasters, accidents, terrorism, and military combat. PTSD symptoms include: re experiencing the traumatic event in the form of flashback episodes, memories, or nightmares; emotional numbness; sleep disturbances; irritability; outbursts of anger; intense guilt; and avoidance of any reminders or thoughts of the ordeal. In one NIMH supported study, more than 40 percent of people with PTSD also had depression when evaluated at one month and four months following the traumatic event.

Substance use disorders (abuse or dependence) also frequently co occur with depressive disorders. Research has revealed that people with alcoholism are almost twice as likely as those without alcoholism to also suffer from major depression. In addition, more than half of people with bipolar disorder type I (with severe mania) have a co occurring substance use disorder.

Men and Depression

Researchers estimate that at least six million men in the United States suffer from a depressive disorder every year. Research and clinical evidence reveal that while both women and men can develop the standard symptoms of depression, they often experience depression differently and may have different ways of coping with the symptoms. Men may be more willing to acknowledge fatigue, irritability, loss of interest in work or hobbies, and sleep disturbances rather than feelings of sadness, worthlessness, and excessive guilt. Some researchers question whether the standard definition of depression and the diagnostic tests based upon it adequately capture the condition as it occurs in men.

Men are more likely than women to report alcohol and drug abuse or dependence in their lifetime; however, there is debate among researchers as to whether substance use is a “symptom” of underlying depression in men or a co occurring condition that more commonly develops in men. Nevertheless, substance use can mask depression, making it harder to recognize depression as a separate illness that needs treatment.

Instead of acknowledging their feelings, asking for help, or seeking appropriate treatment, men may turn to alcohol or drugs when they are depressed, or become frustrated, discouraged, angry, irritable, and, sometimes, violently abusive. Some men deal with depression by throwing themselves compulsively into their work, attempting to hide their depression from themselves, family, and friends. Other men may respond to depression by engaging in reckless behavior, taking risks, and putting themselves in harm’s way.

More than four times as many men as women die by suicide in the United States, even though women make more suicide attempts during their lives. In addition to the fact that men attempt suicide using methods that are generally more lethal than those used by women, there may be other factors that protect women against suicide death. In light of research indicating that suicide is often associated with depression,17 the alarming suicide rate among men may reflect the fact that men are less likely to seek treatment for depression. Many men with depression do not obtain adequate diagnosis and treatment that may be life saving.

More research is needed to understand all aspects of depression in men, including how men respond to stress and feelings associated with depression, how to make men more comfortable acknowledging these feelings and getting the help they need, and how to train physicians to better recognize and treat depression in men. Family members, friends, and employee assistance professionals in the workplace also can play important roles in recognizing depressive symptoms in men and helping them get treatment.

The first step to getting appropriate treatment for depression is a physical examination by a physician. Certain medications as well as some medical conditions such as a viral infection, thyroid disorder, or low testosterone level can cause the same symptoms as depression, and the physician should rule out these possibilities through examination, interview, and lab tests. If no such cause of the depressive symptoms is found, the physician should do a psychological evaluation or refer the patient to a mental health professional.

A good diagnostic evaluation will include a complete history of symptoms: i.e., when they started, how long they have lasted, their severity, and whether the patient had them before and, if so, if the symptoms were treated and what treatment was given. The doctor should ask about alcohol and drug use, and if the patient has thoughts about death or suicide. Further, a history should include questions about whether other family members have had a depressive illness and, if treated, what treatments they may have received and if they were effective. Last, a diagnostic evaluation should include a mental status examination to determine if speech, thought patterns, or memory has been affected, as sometimes happens with depressive disorders.

Treatment choice will depend on the patient’s diagnosis, severity of symptoms, and preference. There are a variety of treatments, including medications and short term psychotherapies (i.e., “talk” therapies), that have proven effective for depressive disorders. In general, severe depressive illnesses, particularly those that are recurrent, will require a combination of treatments for the best outcome.

Alcohol­ including wine, beer, and hard liquor­or street drugs may reduce the effectiveness of antidepressants and should be avoided. However, doctors may permit people who have not had a problem with alcohol abuse or dependence to use a modest amount of alcohol while taking one of the newer antidepressants.

Questions about any medication prescribed, or problems that may be related to it, should be discussed with your doctor.

How to Help Yourself if You Are Depressed

Depressive disorders can make one feel exhausted, worthless, helpless, and hopeless. It is important to realize that these negative views are part of the depression and do not accurately reflect the actual circumstances. Negative thinking fades as treatment begins to take effect. In the meantime: Engage in mild exercise. Go to a movie, a ballgame, or participate in religious, social, or other activities. Set realistic goals and assume a reasonable amount of responsibility.

Break large tasks into small ones, set some priorities, and do what you can as you can.

Try to be with other people and to confide in someone; it is usually better than being alone and secretive. Participate in activities that may make you feel better. Expect your mood to improve gradually, not immediately. Feeling better takes time. Often during treatment of depression, sleep and appetite will begin to improve before depressed mood lifts.

Postpone important decisions. Before deciding to make a significant transition–change jobs, get married or divorced–discuss it with others who know you well and have a more objective view of your situation.

Do not expect to ‘snap out of’ a depression. But do expect to feel a little better day by day.

Remember, positive thinking will replace the negative thinking as your depression responds to treatment. Let your family and friends help you.

How Family and Friends Can Help

The most important thing anyone can do for a man who may have depression is to help him get to a doctor for a diagnostic evaluation and treatment. First, try to talk to him about depression­help him understand that depression is a common illness among men and is nothing to be ashamed about. Perhaps share this booklet with him. Then encourage him to see a doctor to determine the cause of his symptoms and obtain appropriate treatment.

Occasionally, you may need to make an appointment for the depressed person and accompany him to the doctor. Once he is in treatment, you may continue to help by encouraging him to stay with treatment until symptoms begin to lift (several weeks) or to seek different treatment if no improvement occurs. This may also mean monitoring whether he is taking prescribed medication and/or attending therapy sessions. Encourage him to be honest with the doctor about his use of alcohol and prescription or recreational drugs, and to follow the doctor’s orders about the use of these substances while on antidepressant medication.

The second most important thing is to offer emotional support to the depressed person. This involves understanding, patience, affection, and encouragement. Engage him in conversation and listen carefully. Do not disparage the feelings he may express, but point out realities and offer hope. Do not ignore remarks about suicide. Report them to the depressed person’s doctor. In an emergency, call 911. Invite him for walks, outings, to the movies, and other activities. Be gently insistent if your invitation is refused. Encourage participation in some activities that once gave pleasure, such as hobbies, sports, religious or cultural activities, but do not push him to undertake too much too soon. The depressed person needs diversion and company, but too many demands can increase feelings of failure.

Listed below are the types of people and places that will make a referral to, or provide, diagnostic and treatment services.

Family doctors

Mental health specialists, such as psychiatrists, psychologists, social workers, or mental health counselors Religious leaders/counselors

Health maintenance organizations

Community mental health centers

Hospital psychiatry departments and outpatient clinics

University or medical school affiliated programs

State hospital outpatient clinics

Social service agencies

Private clinics and facilities

Employee assistance programs

Local medical and/or psychiatric societies

Conclusion

A man can experience depression in many different ways. He may be grumpy or irritable, or have lost his sense of humor. He might drink too much or abuse drugs. It may be that he physically or verbally abuses his wife and his kids. He might work all the time, or compulsively seek thrills in high risk behavior. Or, he may seem isolated, withdrawn, and no longer interested in the people or activities he used to enjoy.

Perhaps this man sounds like you. If so, it is important to understand that there is a brain disorder called depression that may be underlying these feelings and behaviors. It’s real: scientists have developed sensitive imaging devices that enable us to see depression in the brain. And it’s treatable: more than 80 percent of those suffering from depression respond to existing treatments, and new ones are continually becoming available and helping more people. Talk to a healthcare provider about how you are feeling, and ask for help.

Or perhaps this man sound like someone you care about. Try to talk to him, or to someone who has a chance of getting through to him. Help him to understand that depression is a common illness among men and is nothing to be ashamed about. Encourage him to see a doctor and get an evaluation for depression.

For most men with depression, life doesn’t have to be so dark and hopeless. Life is hard enough as it is; and treating depression can free up vital resources to cope with life’s challenges effectively. When a man is depressed, he’s not the only one who suffers. His depression also darkens the lives of his family, his friends, virtually everyone close to him. Getting him into treatment can send ripples of healing and hope into all of those lives.

Depression is a real illness; it is treatable; and men can have it. It takes courage to ask for help, but help can make all the difference.

About The Author

Listen to Arthur Buchanan on the Mike Litman Show!


http://freesuccessaudios.com/Artlive.mp3 THIS LINK WORKS, LISTEN TODAY!

With Much Love,


Arthur Buchanan


President/CEO


Out of Darkness & Into the Light


43 Oakwood Ave. Suite 1012


Huron Ohio, 44839


www.out-of-darkness.com


www.adhdandme.com


www.biologicalhappiness.com


567-219-0994 (cell)


arthur@out-of-darkness.com


Sunday, November 11, 2007

Herbs For Women


by: Nicole Bandes

The other day, I had a female customer bring in her bag of supplements. It was a rather large bag and we started to go through each bottle and what she was using it for. We came across one bottle that she wasn’t sure why she was taking it. I wasn’t really surprised when she said she didn’t know if it was doing her any good since the bottle was an herbal formula designed to support men’s prostate health. Without mentioning the purpose of the product, I asked why she decided to start taking it. She said it was because her uncle said how much good it was doing for him!

It can be difficult to wade through all the herbs that are out there. What ones are good for what and when are they beneficial. It becomes even more complex when we throw all the different herbal formulas and vitamins into the mix. If you are going to use more than one or two natural health products, it is important that you do your own research on each product and the individual ingredients or you consult a natural health coach that can guide you through the process of deciding what to take and how to take it. Of course, even if you do use the service of a trained guide, it is wise to never let anyone be your sole source of information. Whether herbs or drugs, be sure to have a clear understanding of why you are taking what you are and how it may help or hurt you.

For those that would like to learn more about the various natural health supplements, here is a beginner’s guide to herbs for women.

Bayberry – Bayberry may be beneficial to help ease excessive menstrual bleeding.

Black Cohosh – The estrogenic effects of black cohosh have given it a reputation as being beneficial for hot flashes and other pre-menopausal concerns. It may also be beneficial during childbirth to stimulate contractions, help control hemorrhaging and afterbirth pains. This herb should not be used except in the last 4 to 6 weeks of pregnancy and only under the guidance of an experienced midwife or doctor as it may cause damage to the unborn fetus.

Blessed Thistle – This herb, similar to Milk Thistle, is generally used to strengthen the liver. However the benefits to women include balancing hormones, enriching breast milk, reducing breast inflammation and unclogging milk ducts.

Blue Cohosh – Blue Cohosh stimulates uterine contractions and relaxes muscle spasms making it beneficial during childbirth. This herb should not be used except in the last 6 weeks of pregnancy and only under the guidance of an experienced midwife or doctor as it may cause damage to the unborn fetus.

Dong Quai – This Chinese herb has been used extensively in Chinese medicine to treat female concerns. It is a general tonic, meaning that it is good for several different female conditions including PMS, regulation of menses and infertility.

False Unicorn – Historically, False Unicorn has been used to stop a pending miscarriage.

Ginger – This herb is commonly used for digestive disturbances and may be beneficial for morning sickness during pregnancy.

Maca – Beneficial for men and women, this herb has been used to increase sexual desire.

Parsley – When it is time to wean your little one from breast feeding, parsley can be used to dry up the breast milk.

Red Raspberry – Rich in manganese, this herb can be used to tone and strengthen the uterus and regulate the female organs. Extremely beneficial for teenage girls and their families during this rollercoaster phase of emotions.

Many of these herbs have been used for centuries to support female health. While there may not be scientific research to support their use, they are generally considered safe when used as directed. Due to the state of our health care system, it is now important to begin taking on the role of being our own.

About The Author

Nicole Bandes is a Natural Health Coach whose passion is educating individuals about natural alternatives available to them. Nicole publishes a weekly column of health tips at http://www.naturallyherbs.com.


Saturday, November 10, 2007

The Top Five Health Insurance Plans


by: David Chandler

Since competition in terms of health insurance is on the rise, it is no wonder that more and more forms of health insurance are being designed. Among these, there are few that are popular and they are briefly described below.

Individual Insurance: Ensuring a person individually is a common mode of insurance. One may be selective about what s/he wants in a plan through this process. Accordingly, one has required premium is calculated, and the insurance plan takes effect.

Group Insurance: Another type of insurance is the group arrangement. Through this type of insurance, one is compelled to abide by what others are going for, and this is dependent on the insurance providers. They are the ones that decide what is feasible to include in a plan, and on that basis, a group insurance can take place.

Indemnity Plan: This plan allows one to go to any doctor when one needs to; there are no restrictions on this, and it is believed to be more of a traditional plan. One does not need permission to go to a particular health care provider. However, usually what happens is that the member pays 20% of the total fee for treatment while the insurance provider pays 80%. In addition to this, there is a period through which one pays up in this manner, and then the company takes over paying the whole 100%.

HMO: The Health Maintenance Organization is one that allows a member to select a particular doctor off the panel. It is these selected doctors that will deal will with members' problems. The selected doctor is the one that will be approached for checkups of any kind, and if there are problems with a member that cannot be handled by him or her, the member is referred to specialists.

About The Author

David Chandler

For more information, visit http://www.healthinsuranceinfocenter.com.


Friday, November 9, 2007

Benefits of Group Health Insurance


by: Jakob Jelling

Group Health Insurance is an insurance scheme provided by the insurance companies for a group of persons, such as the employees of an organization at a reduced individual rate. Most of the companies provide group health insurance schemes for their employees, which helps the employees to receive health treatments without any cost they need to pay. Group health insurance ensures the employees of an organization to receive medical treatment quickly so that they can avoid waiting long time in queues and other sufferings.

Group health insurance offers lots of advantages to both the employer and the employees. As far as an employer is concerned, the group health insurance scheme will provide enough medical treatment quickly for the staff of his company and thereby ensures speedy recovery from diseases and keeping disruption owing to illness in the office to some extend. The employee can also provide more focus on his/her job as there is no need to worry thinking about the time they want to wait for the treatment on the NHS, or suffering undue pain, or for a diagnosis.

Group health insurance plan offers several valuable benefits for an employee. The main advantage of becoming a member of the group health insurance scheme is that the insured doesn’t have to pay large premiums for taking a private health insurance plan. The employee can work without being worried of their health as he/she will surely get quality medical help immediately if needed.

There are several health insurance companies offering group health insurance schemes. Most of the health insurance companies, as part of their Group Health Insurance Plan, provide the insured (the employees of the company) to take a ‘health check’ once in every year at any private hospital with which the company has tie-up. The health checks will cover a complete check up, which include height, levels of fitness, weight, blood tests, blood pressure. The health checks are done so as to check whether the insured employee is in a good health or to find out a so far undiagnosed condition. What ever be the purpose, the health check is considered to be beneficial for the employee and the employer.

For those individuals who are not a member of the group health insurance scheme has to pay about $150 upwards to perform a complete health check. Hence this is considered as an added advantage for those who are in the group health insurance scheme. Group health insurance also helps to boost the morale of the staffs as they will know that their employer is providing special care about his employees.

Group health insurance schemes will differ from one insurance provider to another. The insurance coverage will also change according to the schemes you select. But there are certain factors which all the group health insurance schemes will cover for:

- In-patient and day-patient treatment

- Out patient treatments such as physiotherapy

- Free Help lines such as a GP Helpline and Stress Counseling Helpline.

- Specialist consultations after getting a referral from the employee’s GP

Group health insurance policy differs from one insurance company to another. It is always advisable to compare different insurance companies before selecting a group insurance policy. Select the one which suits your company.

About The Author

Jakob Jelling is the founder of Cashbazar.com. Please visit http://www.cashbazar.com/insurance.shtml and learn all you need to know about insurances.


Thursday, November 8, 2007

Ins and Outs and others of health insurance


by: Ryan Fyfe

One of the great benefits of working at a full time job, is that often times your employer will provide health insurance. This insurance doesn't come free, most likely a portion of your salary is deducted to cover it's costs, however becuase you are under a company you can acheive greater discounts through group rates.

Health insurance is simply a type of insurance that will cover the insured person or part when that person or party become sick or injured,etc. The insurer is not always a private organization it can often times be a government agency. There are great differences between health care insurance around the world. For example in Canada health care is part of our social system and is public, where as in the United States health care is for the most part private.

There are several pros and cons to each system, and depending on the area in which you reside you might not have a choice as to which system that you choose. Private health insurance has become one of the most talked about and debated forms of insurance because of the impact that it places on the different levels of society, for example the poor, middle class, and wealthy. Should it be that a person with more money, is allowed to have better medical facilities and attention, and is it not that a services such as health care are a basic human right? I'm not sure if we will ever see an end to this debate, as there is soo many pros and cons to each side, and I'm sure that you can see who would be fighting for which side, and why.

About The Author

Ryan Fyfe is the owner and operator of Individual Affordable Health Insurance - http://www.individual-affordable-health-insurance.com/a> which is the best site on the internet for all Health Insurance related information.

Feel free to reprint this article as long as you keep the article, this caption and author biography in tact with all hyperlinks.


Wednesday, November 7, 2007

Health Insurance; COBRA; OBRA; HIPAA; Medicare; Definitions, Relationships



by: Carolyn Magura

Health Insurance; COBRA; OBRA; HIPAA; Medicare. If asked, could you state that you knew that all 5 of these topics had the same thing in common: medical insurance coverage for you and, perhaps, your family? Would you know the qualifications for each? Well, in this article, we will discuss them. For a timeline that depicts, graphically, the time relationship between them, please see the timeline in www.disabilitykey.com.

HEALTH INSURANCE Coverage from Work

If we are lucky, we, and/or our spouse, work for a company that provides, as a benefit, health insurance coverage for us and our family. If so, we are very lucky. Even if that is true, there are some key things that you might want to look at to see if you have ENOUGH coverage.

1) From your Human Resources Department (or wherever else you would go to get information about your health insurance) get what is called a "Summary Plan Description" (SPD). This document should be kept where you can always find it, as it contains all the information you will need about what your insurance covers and what it doesn't.

2) Look up "Coverage" and "non-coverage" in your SPD.

These will tell you what your plan covers and doesn't cover. You need to see if, perhaps, you or one of the covered members of your family has a condition or circumstance that might not be covered, where you need additional coverage. For example, let's say that your family has a history of cancer; perhaps your plan restricts the number of hospitalization days for care; or, restricts the days per condition. In this case, (like my children) you might want to get additional "cancer insurance" (I think that AFLAC might provide this type of coverage).

It would be a good idea to contact a Health Insurance benefit Broker and ask him/her to read your SPD and see if you have any gaps in coverage. They then can help you supplement coverage BEFORE YOU NEED IT!

NO HEALTH INSURANCE COVERAGE

You might be one of the growing members of our society that, through one circumstance or another, does NOT have health insurance coverage for your family. In this case, I strongly encourage you to contact a Health Insurance Broker and get immediate coverage of what is called "catestrophic" (not sure if I spelled this correctly) coverage. In this type of coverage, you will generally have large deductibles, but will have coverage if, say, one of you has to go into the hospital.

CONTACTING A BENEFITS INSURANCE BROKER

Whenever you call or email a Health Insurance Broker, it is very important to prepare ahead of time. WHAT, specifically are you looking for; how much can you afford to pay every month; what circumstances do you want to make sure that your family is covered for. In this way, you can make sure to focus on your critical needs.

COBRA

COBRA is an acronym ( how can I spell acronym correctly, yet not be sure that I spelled catestrophic correctly?) that stands for: Consolidated Omnibus Budget Reconciliation Act. Basically, it is a federal law that allows you to pay for your Company-paid health insurance, as an active member, if you no longer work for that company for, generally 18 additional months.

1) COBRA is "triggered" (that is, you, or a covered member of your family, become eligible for COBRA) by events such as the following: resignation from the company; termination (FOR ANY REASON) from the company; divorce of a spouse; a covered chile's birthday makes them ineligible for coverage. These are the main "triggering" events for COBRA.

2) Now, when eligible for COBRA, you will be asked to pay for 100% to 105% of the company's employee/employee and family coverage amount. You should get a letter from your company explaining what that amount will be. BEFORE YOU DECIDE TO TAKE COBRA, there are some important things for you to consider.

What will be your cost, and what will be the coverage for that cost? Sometimes the cost is too much for the coverage. In these cases, you might want to select HIPAA coverage, instead (see HIPAA below).

Or, you might just want to get catestrophic coverage as was mentioned earlier, and wait for full coverage under your next job.

Part of this decision should be whether or not you or a member of your family has what is called a "pre-exisitng coverage" condition.

Here again, before automatically taking COBRA, it would be wise to contact a Benefits Insurance Broker and give him/her all of your options, and get their input. I have worked extensively with a Benefits Insurance Broker, and he is absolutely fantastic!

OBRA

What, you ask, is OBRA? I've never heard of it, you say, and no one I know has heard of it either! Well, that's because, 99% of Human Resource or Benefit folks that I know have never heard of it! OBRA is a federal law that was passed that extends COBRA for an additional 11 months FOR DISABILITY PURPOSES ONLY!! Why, you ask, is this important? Thanks for asking, let's see if I can explain.

If you are as nieve (did I spell this wrong too? sorry!) as I was when I first started looking to bridge my health insurance from working to Medicare, I assumed that when I got through all of the hoops to qualify for SSDI (Social Security Disabililty Insurance) I'd IMMEDIATELY be eligible for Medicare, RIGHT??? WRONG!!!!

When you FINALLY qualify for SSDI, you have to wait for 5 months before you get your first check. AND, the rules state that, you are eligible for Medicare 2 years (24 months) FROM THE DATE OF YOUR FIRST SSDI PAYMENT. Well, if you add 24 + 5 you get, 29 months between qualifying for SSDI, and Medicare coverage.

OK, I said earlier that COBRA is for 18 months of coverage. Well guess what 18 months of COBRA + 11 months of OBRA equal - 29 months!

BUT, there are two catches to OBRA; first of all, you have a small window of 30 - 60 days to apply ( this window opens the date of your SSDI approval); and, it can cost up to 150% of your plan coverage amount. BUT, if you have a "previously existing condition" this might be the best way for you to proceed.

Again, it is important to contact a Health Insurance Broker to help you with the risk/cost ratio of all of these situations.

It is also improtant to know all of these deadlines as you plan to ensure that you and your family have important health insurance coverage.

HIPAA

HIPAA is a federal law that is called, briefly, the "portability" law for health insurance. What that means is that when you leave a group (read company-paid plan), the carrier that provided that plan, must offer to you, another plan, different from COBRA, when you leave the group coverage. Generally this will be what is called a "bare bones" plan. Again, the best thing for you to do is to call/email a Health Insurance/Benefits Broker with all of your information: SPD, COBRA info, HIPAA info, needs, cost limits, and let him/her help you find the optimum plan coverage for you.

MEDICARE

OK, now, finally, we've reached Medicare! BUT (you really didn't think it would be that easy, did you?) if you have qualified for Medicare because of disability, there are RESTRICTIONS (of COURSE there are!).

First of all, if you are qualifying for Medicare because of disability, you are probably under the age of 65 - normal retirement age.

Medicare coverage does NOT cover prescription drugs, which, those of us with disabilities probably need, and which cost lots.

But, Congress prescribed that states (all but 11) offer what is called "Medicare supplement" plans, some of which do offer prescription coverages.

BUT, these plans ARE NOT REQUIRED TO, and do not, offer these medicare supplement plans that offer prescription coverages to folks who qualify under age 65! So, if you are qualifying because of disability, your medical insurance plan doesn't cover one of your primary cost expenditures!

Here again is where you need to contact a health insurance/benefit broker. Again, he/she can work with you, and your specific circumstances, to get you the coverage you need.

Hope that this information was helpful to you. If you have any questions, please feel to ask them by commenting on this blog, and I'll be happy to get you an answer.

About The Author

Carolyn Magura

Disabilitykey.com (www.disabilitykey.com) is a website designed to assist each person in his/her own unique quest to navigate through the difficult and often conflicting and misleading information about coping with disabilities.

Carolyn Magura, noted disability / ADA expert, has written an e-Book documenting the process that allowed her to:

a) continue to work and receive her “full salary” while on Long Term Disability; and

b) become the first person in her State to qualify for Social Security Disability the FIRST TIME, in UNDER 30 DAYS.

Click here ("www.disabilitykey.com/products.htm) to receive Carolyn 's easy-to-read, easy-to-follow direct guide through this difficult, trying process. If you are disabled, don't let this disabiling process disable you. Read Carolyns Disability Key Blog (www.disabilitykey.com/disabilitykeyblog.shtml).


Tuesday, November 6, 2007

Health Insurance


by: Sara Chambers

When you are in your late teens and twenties, possibly up to the age of forty, it’s hard for people to understand why they need health insurance. For some people, it may be less expensive to pay full price when going to the doctor then pay the monthly fee associated with health insurance. These people may ask whether or not health insurance is even worth it. For most people, however, health insurance is a huge money saver. But what are the different types of health insurance and how should you go about determining what is right for you.

There are mainly two types of insurance: Indemnity plans and managed care plans. Indemnity plans are insurance plans in which an insurer reimburses the insured for medical expenses no matter who provided the service. There are three plans within the indemnity category. These include reimbursement of actual charges, reimbursement of a percentage of the actual charges and indemnity. In the first plan, the insurer will reimburse for the entire cost of the service, the second plan covers a percentage, while indemnity pays a certain amount daily for a certain number of days.

Managed care plans have three main types: HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations) and finally POSs (Point of Service plans). In an HMO plan, members pay a flat monthly rate. In most circumstances, the HMO member must use medical professionals from the preferred network. Unlike HMOs, PPOs are paid on a service by service basis. PPOs are often sponsored by employers or insurance companies who reimburse the insured for the service, minus of course any co-payments. A POS is a plan in which the insured pays no deductible and a small co-payment as long as the service provider is a part of the network.

So, what should you do? Well, you should start by investigating your health insurance options. What does your employer provide? Most employers do not pay the deductible for their employees; however, the rate is reduced as it is often a group situation. The best way to determine the best plan for you is to educate yourself on what is available and what you need.

About The Author

Sara Chambers is a marketing consultant and an internet content manager for http://www.healthinsuranceweblog.com.


Monday, November 5, 2007

Discover Affordable Health Insurance


by: Daniel Lesser

If you're seriously interested in knowing about health insurance, you need to think beyond the basics. This informative article takes a closer look at things you need to know about health insurance.

Affordable health insurance - it seems, particularly today, those words just don't belong together in the same sentence. Health insurance monthly premiums are becoming the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such as diabetes, or have had cancer at one time in your family history, your monthly cost could easily be more than the house and car payment combined.

Shopping for affordable health insurance can certainly be an eye-opener. If you have always had a health insurance benefit where you work - especially a state or federal employee - and now have to buy your own, you may not be able to afford the level of health insurance coverage you have become used to.

Affordable health insurance, however, is definitely available -if you know how and where to look.

When you are looking for affordable health insurance, you want the lowest cost per year that will fit your budget, of course. But, even more importantly, you want a company that has a good record for paying without fighting with you on every detail. Just as there is a car for just about any budget, there is also affordable health insurance. You may not be able to afford a "Cadillac" policy - but then you probably don't need all the frills anyway.

Shopping for health insurance on the internet is the easiest and best way to find affordable health insurance. Here are five reasons why.

Sometimes the most important aspects of a subject are not immediately obvious. Keep reading to get the complete picture.

1. You don't need a local agent to help you submit the claims for health insurance. The medical provider does it for you. You save money because the health insurance company saves money by not paying the agent commission. This could amount to an 8% to 12% savings to you.

2. All the top health insurance companies are at your fingertips on the internet. Most local agents can only quote you from the few companies that they represent. They may not offer you what is best for you financially or health-wise but only what they happen to have available.

3. Health insurance companies have to be extremely competitive because it is so quick and easy to compare them with their competitors on the internet today. In the past you would have had to visit physically eight to ten agents to do a similar comparison. Most folks just didn't have the time or desire for that.

4. You can change your coverage, deductibles, and payment options with just a few clicks rather than going through the paperwork delay with a local agent (and then finding out he/she made a mistake - more delay).

5. Charging to a credit card means you aren't going to forget a payment and be without insurance. Also, it gives you another 30 days before you actually have to pay. Also, many companies today give an additional discount for "auto-pay".

The key, however, to finding affordable health insurance is realizing that the purpose of any health insurance is to protect you from a major financial loss - not to protect you from spending small money on clinic visits and sliver removal. These small expenses may be cumbersome but they generally will not hurt you. It's the $100,000 heart operation that will break you. That's the financial disaster health insurance was originally designed to prevent.

Also, keep this in mind. Health insurance, as with any insurance, is a gamble. You are gambling that you will draw out more than you pay in. Your health insurance company is gambling they will pay out less. The odds are in their favor for two reasons. They have all the facts for millions of families to average out, so they know the risk in advance. Also, they get to set the rules and the prices. The higher you set your deductible, the more risk you take. This is not a bad thing at all. You will most likely be the winner in the long run.

Yes, finding affordable health insurance is much easier than most people think.

By adding more of the risk with higher deductibles, spending a little time on the internet comparing eight to ten different companies, and deleting coverage that you will not likely need (such as maternity for many people) will make it likely for you to find your own affordable health insurance.

This article's coverage of the information is as complete as it can be today. But you should always leave open the possibility that future research could uncover new facts.

About The Author

Daniel J Lesser is the creator of HotHealthInsuranceSecrets.com. A whole world awaits those healthy enough to see it. Find out how to stay healthy at an affordable price www.hothealthinsurancesecrets.com.

View their website at: http://www.hothealthinsurancesecrets.com

dlesser1972@yahoo.co.uk