Friday, June 9, 2017

The Need for Health Care Insurance

Health care insurance is a term used for covering medical expenses. This is being received through estimation of the overall risk of health care along with the expenses incurred among the target population. The financial structure for this is a premium that can be set monthly, semi-annually or annually. The coverage includes losses from accident, disability, dismemberment, medical expense, and accidental death.
The policy contract is between the insurance provider and the individual or his/her sponsor. It is renewable in three terms; monthly, semi-annually, and annually. There is specific amount of premium to be paid and is reflected in writing. And the policy is in a booklet.

Several Forms of Insurers Obligations:

       1.    Premium
 This pertains to the amount the insured or the sponsor pays for the health coverage.

      2.    Deductible
Out-of-pocket payment prior the insurer covers its share. There will be more visits from the doctor and prescriptions prior deductible and the insurer pays for health expenses. Most of the times, policies do not include co-pays for doctor’s visits and prescriptions.

      3.    Co-Payment
This is the amount paid by insurers out-of-pocket prior to insurer’s share of payment.

     4.    Co-insurance
This is the percentage of the total cost the policy holder pays.

     5.    Exclusions
This is the uncovered services. The policy holder pays full cost of the services that is not included in the coverage.

     6.    Coverage limits
This means that the coverage has specific service. Other services outside the coverage will be paid by the policy holder.

     7.    Out-of-pocket maxima
This is almost the same with coverage limits but with out-of-pocket maxima, the policy holder’s financial responsibility ceases after reaching the out-of-pocket maximum. The insurer pays the covered costs. It is limited though to certain types like prescription drugs or is applicable to all coverage that is embedded in a year contract.

     8.    Capitation
The insurer pays the total amount for a health care provider provided that he agrees to treat all members of the insurer.

     9.    Prior Authorization
The insurer provides an authorization or certification that states the insurer’s obligation to pay for the services provided. There are other services that will not require authorization though.

    10. Explanation of Benefits
This pertains to the document sent to the policy holder by the insurer. It is a written explanation of medical service coverage, the amount paid by the insurer, and the amount to be paid by the patient (insured).

Getting a health insurance is always a necessity. With the many risks that the world brings, getting sick is possible. What is not possible is an easy way to pay the bills when getting hospitalized. Therefore, insurance is a form of protection. It protects one from being huddled with high financial responsibility when sickness comes. Get your coverage from the most dependable company that offers more for less. Make sure that you understand the policy well and the premium is within your budget. There are a lot of health insurance companies that will solve your medical worries. Make the right choice.

Tuesday, June 6, 2017

The Importance of Dental Healthcare

Healthcare is not merely looking healthy and eating healthy foods. It is taking care of the body as a whole system. It also includes health care dental because the teeth are important to general health. The mouth, teeth, and gums play the most important part in food intake. These must work well so you can eat, speak, and laugh without limitations or even pain. Dental medicine works to fight for gum diseases, infection, tooth loss, and also bad breath. There are services to keep oral hygiene like;

·         Dental cleaning
·         Fillings
·         Root canals
·         Extractions
·         Whitening
·         Full dentures
·         Partial dentures
·         Implants
·         Bridges
·         Crowns

To bring comfort and relaxation during these procedures, dentists use nitrous oxide sedation. Aside from regular trips to the dentists, there are personal activities to care for the teeth and mouth like:

·         Tooth brushing
Brushing should be at least 2 minutes three times a day after meals. Make sure you brush the back of your teeth and your tongue. Use a soft bristled toothbrush. If you have a child, teach your child early.

·         Use Fluoride Toothpaste
It is helpful to use fluoride toothpaste to protect the enamel of your teeth. It thus protects you from cavities as well. Fluoride must be at least 1,350-1500 ppm to be effective for the teeth.

·         Daily Flossing
Daily flossing will clean the surface between the teeth. In between the teeth will build plaques and bacteria. Use 30 cm floss or a floss pick. Be sure to be gentle. You might hurt your gums and worst bleed.

·         Use Mouthwash
Choose for a mouthwash containing fluoride. It is best to use it after brushing and flossing. Fluoride will reach all your teeth’s surfaces. This will enhance dental health and will keep you away from bad breath. If you want to use your own remedy, dilute salt in a water as a substitute for sold mouthwash in the market. Just make sure not to swallow the mouthwash. Some have stomach upset with mouthwash ingestion.

·         Brush or scrape your tongue
Since the surface of the tongue is uneven, there food particles that is trapped in the uneven surface. These particles are the target of bacteria and will be transferred by your teeth. There is a tongue scraper you can buy or better yet, use a soft bristled brush. Brush or scrape it gently. Make sure that you don’t hurt your tongue. After this, rinse well. Use mouthwash for better result.

·         Do not smoke
Do not let your teeth be stained with nicotine. Smoking will. If you don’t smoke, it will not. If you can’t quit, get the right help. Aside from the stain it will cause on your teeth, smoking is dangerous to your health.

Health is wealth. That is a notion that is healthy to think and even healthier to practice. To live a life in the right health is to live a good life where you can experience what life is to offer,