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Medical Imaging Overused, Driving Up Costs
MRI and CT scans are overused, and steps need to be taken to cut back, researchers say. Medicine – X-ray computed tomography – Radiology – Health – Medical Specialties

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Term life insurance policies are very popular these days, and of course, they can provide very valuable protection at a low cost for many people. However, the problem with term life insurance is that it expires just when the covered person would find it harder to find protection, after ten or twenty or thirty years, the term life insurance expires. The theory behind term life insurance is that by that time the insured person will have less obligations, and they will have enough money saved to self insure.

However, we find many senior citizens and retired people who have not had the good fortune to be free of obligations, and with sufficient savings to cover their debts, final expenses, and other obligations. Also, by the time we reach maturity, we may also have developed more health problems. As if an advanced age were not enough, health problems may make us very tough or expensive to insure at all!

However some life insurance companies have developed senior life, guaranteed life insurance, or final expense life insurance programs to meet these needs. These are, basically whole life insurance policies. This means that the policy will stay in force as long as the policy is kept in force. A policy is usually kept in force by paying premiums, or by having the policy “paid up”. Yes, many whole life policies can be paid up over a period of years, usually ten to twenty years. In this case, an insured person can relax, knowing they will have life insurance for their whole lives, and not just for a period of years.

These type of senior life insurance or final expense policies come in two types that do not require a medical exam. For a face value that usually ranges from $2,500 to $25,000, many senior life insurance companies will offer simple issue and guaranteed issue life insurance policies. Because the face value is lower, and so the risk to insurance companies is lower, you can find some more relaxed requirements to gain affordable coverage for life insurance. Seniors can leave this money to a beneficiary, usually their spouse or children, to cover burial expenses, settle final debts, and leave some money as an estate.

Simple issue life insurance policies provide immediate death benefits. They do as health questions on the applications, but the great majority of seniors can qualify. They usually only declined applicants who have a terminal disease, or are in a nursing home. So smaller health issues will not prevent an applicant from obtaining coverage. Since the coverage is immediate, as soon as the insured person is notified that their policy has been issued, they will be covered.

Guaranteed issue life insurance policies do not ask any health questions at all! Instead they underwrite by delaying full coverage for a period of months, from 24 to 36, or 2 to 3 years. If the insured person passes away during this qualification period, they will refund all premiums with a specified interest rate. For an older individual with serious health issues, this is still a no-lose deal.

If you are an older person, or if you are concerned about paying final expenses for your parents, consider a senior life insurance policy. It will be much easier to pay an affordable monthly premiums than to come up with several thousand dollars for a burial and other expenses after the person dies.

There are two basic types of no medical online life insurance quotes that you can get. The first is term insurance and the second cash value insurance. The no medical online life insurance quotes for term insurance offers cheaper premiums but this is not necessarily such a great investment in your future.

Cash value life insurance policies can be cashed in or borrowed against in the future. The balance of what is left after a loan or cash out is what is paid out to the beneficiaries after death. No medical online life insurance quoted for this type of thing offer term insurance with cash value insurance for the senior years in life when you may need a monthly income.

No medical online life insurance quotes for term insurance will only protect the individual for one or more years. A death benefit is only paid out if an individual dies during the specified period of time and not afterwards. In terms of value for your dollar no medical online life insurance quotes for term life insurance offers the greatest coverage for the least amount of expense.

You can renew term no medical life insurance policies before they expire however keep in mind that each time you renew them that he no medical online life insurance quotes rise in price. Also some companies may ask you to pass a physical examination before they will continue your coverage for additional times, similar to if you were applying for individual health insurance (http://cheap-insurance-rates.com/life/).

Cash value life insurance is a type of insurance where the costs of the premiums are higher during the first few years than they would be for term insurance deals. This is because part of your premiums is invested by the company to help you build up a cash value that you can borrow from in the future.

If you are unable to pay back this loan than the amount is subtracted from your benefits when you die. These benefits are very different from benefits one would get from say, private health insurance (http://cheap-insurance-rates.com/health/). People often do not realize how many extra benefits come with this type of life insurance.

Cash value premiums can also be withdrawn from like a pension that supports you on a monthly basis in your senior years. It can also be borrowed form to pay other kinds of costs such as tuition for your child or even to buy additional life insurance premiums for other members of the family. Cash life insurance policies are available as several types: whole life, universal life and variable life are all types of cash value health insurance.

Many life insurance companies will also allow you to trade in a term life insurance policy for a cash value policy during a specified allowable conversion period. Premiums for the new cash policy will usually be much higher than what you have been paying so don’t expect the any online medical insurance quotes that you have gotten to be that accurate.

Whether or not you go for the term life insurance or the permanent life insurance is up to you, but it is possibly worth it in the end to get the exam type of insurance –especially if you are trying to build up a nest egg for your later years. There is simply a better pay off to them in general and you can borrow against them more easily.

www.DeathToDiabetes.com http Segment No. 1 of diabetes lecture in Pittsburgh. Ex-diabetic engineer(DeWayne McCulley), who almost died of diabetic coma, explains how to defeat Type 2 diabetes, based on his experience, research, and acclaimed diabetic book, Death to Diabetes (ISBN 0977360741)…

Life is very fickle. You would not know what might happen the next day. Maybe today, you are fit and in good shape, but you can not be sure of what’s the next thing to happen to you. Still, life can also be very practical. It is something that many people keep a hold onto. Everyone is so absorbed into their own personal life, especially their well-being and health. One of the most common ways of being practical is to be prepared for your life, taking your health into prime concern. There is an increase on the cost of health insurances nowadays and the most common kinds are of medical health insurances.

With the increasing costs in medical care and hospitalization today, it is already understood why a medical health insurance becomes a need. These insurances pay much of the medical bills when hospitalized, while the insured individual pays only a little. This can prove to be very helpful. If you have a medical health insurance, then you would need to worry about any emergencies that may come your way.

Different types of medical health insurance are available today. The most common are Medicare and Medicaid. Though they may sound the same, they actually have differences. Medicare is only issued to senior citizens while Medicaid program is offered to people whose incomes are lower than that of the average. However, both are sponsored by the government. Other insurances which offer similar services include Point of Service Health Insurance, the Preferred Provider Organization and the Health Maintenance Organization.

Article Source: Free Insurance Quote

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The history of alternative medicine is a rather interesting one, and has its
origins in traditional methods of medicine. Alternative medicine has been
in existence since time immemorial. Being a primeval science, this medicinal
system has been known to man since the early days of his time on Earth. Using
natural ingredients to prevent and cure most illnesses has perhaps been man’s greatest foray into medical science. Traditional medical practitioners aimed at prevention of diseases associated with an increase in resistance of the human body. As an expert rightly pointed out, “The study of the history of alternative medicine is fascinating on a variety of levels, not just concerning other and often better ways of preserving and restoring health.”

 

Practised for thousands of years, alternative medicine includes systems like
Acupuncture, Ayurveda and traditional Asian medicine. Alternative medicine branches
out from the Complementary and Alternative Medicine (CAM) treatments and
therapies. CAM is often combined with formal, conventional medicine, integrating
both medical practices, in order to give the best results to patients. It can be said that
the earlier methods of medicine were attempted at achieving a balance between bodily
and natural energy. Energies were sought as positive and negative energies, where
positive energies were to bring in happiness and health and negative energies an
incapacitation of resistance to face any ailments. Matters of utmost importance in
deciding therapies or treatments in these earlier medical systems were factors like
one’s lifestyle, one’s habits of eating and one’s occupational pressures.

 

The earliest use of traditional remedies dates back to 2800 BC in China.
Practised all over the world in more than a hundred disciplines, alternative medicine
has aided medical tourism in an unprecedented manner. Using alternative medicine
and following alternative medical practices not only removes any possible additional
affects of the illness but also increases the resilience of the body. It is generally
claimed that natural remedies are not only less inimical to human physiology
but they also help in retaining body pliancy. Systems of natural, traditional
medicines use a combination of ingredients to restore the bodily constituents. In
fact, natural remedies are considered more as food, given their natural constituents.
Since alternative medicine is based on completely natural methods and there is
no usage of any chemicals, there is no danger of any interference with the organic
system. A holistic approach as opposed to looking at a set of symptoms and a
treatment that delves into the root-cause of an illness are some of the distinct and
highly acknowledged features of alternative medicine. It is also opined that
widespread use of modern medicine has deteriorated the immune system in the
human physiology and has resulted in these modern medicines becoming less
effective. It is also often said that alternative medicine is the only way to cure
some incurable diseases.

 

A Brief History of Alternative Medicine

The history of alternative medicine can be traced back to some 5000 years, when the Chinese and Indians discovered traditional and Ayurvedic therapies to heal the body and the mind. The real objective was to identify the deterrents in the body system which caused ailments, and
strengthened the body’s immunity. The therapies mainly incorporated self-care, lifestyle
changes and various preventive measures. The normal practices that were followed in the early stages of the history of alternative medicine include the extractions of the bark of willow trees. Many kitchen ingredients were also used for treating patients. The treatments were considered as the blessings of God, as it brought immense relief to the writhing bodies and prayer was considered as one of the strongest weapons in waging war against ailments.
Source: “A Brief History of Alternative Medicine”, http://www.med-help.net/med-history-of-alternativemedicine.
html

 

Alternative Medicine and Medical Tourism

Today, alternative medicine holds out immense potential in attracting medical
tourists. For example, India is likely to become a major hub for medical tourism,
with revenues from the industry estimated to grow from US$333 million in 2007
to US$2.2 billion by 2012, says a study by the Confederation of Indian Industry
(CII) and McKinsey.3 The major competitive advantages that India faces are cost
effectiveness and traditional medical systems like Ayurveda and Naturopathy.
The world has witnessed the development of many traditional as well as modern
systems of medicine in the 20th century. Path-breaking discoveries like penicillin,
technological advancements in modern surgery, major research advancement in stem
cell research and genetic structure, and the development of traditional medical systems
like traditional Chinese system of medicine, Acupuncture, Osteopathy, Homeopathy,
Ayurveda, Yoga, Unani and others have all been a part of developments in the
omnipotent territory of global medicine. The major competitive advantages that India
has are cost effectiveness and traditional medical systems like Ayurveda and Naturopathy.
The last few years have seen countries with their own individual expertise attracting
tourists from all over the world and promoting medical tourism like never before.

India

In India, medical tourism in alternative medicine has its ancestry in South India
and some places in North-Eastern India. Internationally famed for its natural remedies and therapies, Kerala’s schools of medicine have embraced Siddha,
Naturopathy and Ayurveda in treating their patients. These traditional medical
practices are estimated to attract high-end medical tourists from Europe and
Middle Eastern countries. The vital advantages that a country like India faces
with regard to medical tourism are its traditional therapies like yoga and Ayurveda
combined with tourist attractions in states like Kerala and north-eastern states.
Naturopathy, a therapeutic system based on natural remedies, trusts natural
elements like air, water and sunlight, combined with therapeutic massages and
conditioning and toning of the human body. Naturopathy believes that the human
body has the capacity to heal on its own, provided it is in a healthy environment.
With a holistic approach to well-being, Naturopathy believes that the three
physical entities – the physical body, the supernatural soul and the mind – must
be integrated through natural energies. “A recent survey shows that 76% of global
drugs are consumed by USA and European countries. We believe that freedom
from diseases and drugs can only be achieved by living a natural life style.”4
Ayurveda, the most ancient health care system, takes its ingredients from nature.
The use of herbs, materials like gold and mercury and many household ingredients
make this science easily accessible to common man. Ayurveda claims to cure diseases
like diabetes with the aid of nature. The Siddha medical system, which is a part of
Ayurveda, employs herbs, minerals and advanced scientific techniques under ancient
principles of medical science to cure many chronic diseases. It is named as one of
the most complicated and intricate forms of medicine. Siddha considers nature
and man as one essential entity. It claims that physiological characteristics like
human aging can itself be arrested with natural remedies.

Naturopathy has evolved medical tourism in India in more than one ways.
With its systems of medication using all natural ingredients to restore the holistic
disease-fighting nature of the human body, the medicine has created increased
chances of its own survival through tourists from all parts of the world visiting
India to reap its benefits. As Vitthal Kamat of the Kamat Group of Hotels says,
“With Naturopathy and Ayurveda along with the world renowned tourist attractions
and heritage places, the tourism sector can grow in leaps and bounds.”5 Naturopathy
in “KayaKalp”, a naturopathy centre in Himachal Pradesh, run by the Vivekananda Medical Research Trust in India has served medical tourists in detoxifying, immunizing and rejuvenating through Yoga, Pranayama, Panchkarma, Meditation and Naturopathy. Its therapies are claimed to be drug-less and extremely natural. Naturopathy takes the help of Ayurvedic preparations for healing processes like Panchkarma and improvement of blood circulation.

India’s pioneer in alternative therapy – medical tourism, Kerala, has visitors
from all over the world in the months of June, July and August. These months are
looked upon as the best period for cure of bodily ailments through Ayurveda.
High quality medical facilities provided at low prices are the main tourist attraction
in Kerala. Mr. M Narayanan, head of Poovar Island Resort says that there are
tourists from countries like Australia, Europe and Germany. The packages offered
in these Ayurvedic spas include services like Ayurvedic oil massages, powder
massages, vegetarian diets, detoxification programs and a lifestyle change. In fact
it is little known that Ayurveda includes not just massages, but a whole gamut of
services like herbal and natural diet plans, natural healing therapies, and therefore
a full-fledged medical system.

Ayurveda Gram, a unique Ayurvedic Institution in Bangalore offers Ayurveda
in its wellness form to medical tourists. It offers services like Customized Yoga,
Pranayama, Meditation, and a vegetarian diet to boost metabolism. Its sprawling
campus full of medicinal herbs and natural surrounds helps in the processes of
cure for specific ailments like Arthiritis, Spondilytis, Cholesterol, Sinusitis, Peptic
Ulcer and Obesity. Other therapies by Ayurveda Gram include Stress Management
therapies, Panchkarma and rejuvenation therapies.

AYUSH, the department of Ayurveda, Yoga and Naturopathy, Unani, Siddha
and Homeopathy was formed under the Indian Medicine Central Council Act,
1970. One of the most recent awareness activities undertaken by AYUSH was a
health fair organized in parts of Hyderabad, Chennai, Indore and New Delhi.
AYUSH ensured that the major Ayurvedic, Unani and Siddha manufacturers in
India participated in this health fair.

Another famous Ayurvedic centre in India is the C V N Kalari Centre for
Ayurveda. Kalari is one of the approved Ayurvedic centres recognized by the
Kerala Tourism Department.6 Kalari has its customers from many foreign countries. The centre specializes in Marma Chikitsa (the application of pressure on specific
nerve points) and other special practices of healing. Having both therapeutic and
rejuvenative aspects in them, these specialized healing procedures take extensive help
of Ayurveda to treat the ailing.
Some Ayurvedic resorts have formulated Ayurvedic kitchens that help improve
the effectiveness of oil treatments. Diet regimens, detoxification programs and other
processes that give a glowing skin to the customer are very popular. Some of these
Ayurvedic resorts also arrange for cooking classes to help their customers acquire
and maintain the lifestyle that they are introduced to in these spas and resorts.
Ananda, an Ayurvedic Spa in the Himalayas is one of the most famous destination
resorts in India. It offers specialty Ayurvedic packages like Aroma therapy massages,
reflexology programs for rejuvenation, stress release programs, personalized Yoga
sessions, body composition analysis and weight reduction programs through Yoga
and Ayurveda. Ananda claims that its packages and therapies cure many ailments
like headaches, nausea, climatic disorders, facial paralysis, insomnia, asthma, neuralgia
and does general improvement of metabolism.

China

The 3000 year-old method of traditional medicine in China has gained popularity
as the world’s most popular medicine, being used by more than a quarter of the
world in treating even chronic diseases like cancer, AIDS, allergies and heart diseases.
Traditional Chinese Medicine (TCM) uses medicinal herbs, therapeutic exercises
and acupuncture to cure ailments. TCM diagnoses illnesses based on the five elements
theory and the yin-yang theory. The five elements theory base their evaluation on the
five elements – wood, fire, earth, metal and water to establish a connection between
human physiology and pathology and the natural environment.7 The movement of
these five elements constantly rules the functioning of the human body and thus
establishes the interdependence of both.

The yin-yang theory calls for comprehending the bright and dark sides of
the universe, in other words, the opposite properties of the universe.8 The relative
nature of yin and yang represents the interrelationship between substance and function. As traditional chinese medical practitioners say “Only with ample
substance can the human body function in a healthy way; and only when the
functional processes are in good condition, can the essential substances be
appropriately refreshed.”

Chinese herbal medicine is more known as Chinese materia medica. This includes
Chinese crude medicine, prepared drugs in pieces, traditional Chinese patented
medicines and simplified Chinese medicinal preparations. Chinese herbology, a major
aspect of TCM addresses the art of combining medicinal herbs.10 It visualizes the
entire human body’s balance of energies and spirit to treat a medical condition.
Herbs are combined into different potions of various characteristics for the sake of
different individuals being treated by TCM practitioners. Herbs like Astragalus,
Ginkgo, Ginger, Green Tea, Siberian Ginseng and Garlic are used to treat several
ailments. Around 300 mineral and animal extracts and 400 formulae are used to
cure diseases, in Traditional Chinese Medicine.

Acupuncture, as part of TCM is used to unblock the flow of vital energy through
the human body.11 One of the oldest healing techniques in the world, this traditional
method aims at “restoring health through simulation of specific points on the body.”12
Ailments like nausea, addictions and some kinds of pains are claimed to be treated
with the help of acupuncture.

Taking advantage of its abundant human resources, China is luring medical tourists
into its web of alternative medical therapies. Wellness packages in China come at
low costs and without any side-effects, thanks to proliferated Traditional Chinese
Medicine. Several massages and spas have been set up in recent times that provide
mental health and physical well-being to medical tourists with the help of Chinese
medicinal herbs. Wellness apartments are established for the purpose of serving
senior medical tourists. These wellness apartments facilitate these tourists in
practising their own hobbies and also conducting medical activities like Taiji.

Germany

Germany’s alternative medical practices have their origins in Homeopathy, a
medical system that was developed by Samuel Hahnemann, a German physician.
Homeopathy considers symptoms as disturbances of vital forces that have
connection with the human body. Homeopathic advocators believe that this
medical system has the ability to cure acute diseases like flu, cold, pains, depression
and fatigue, constipation, irritability other than chronic diseases. It is claimed to
cure allergies and allergic disorders like Eczema and Asthma. Moreover, this
medical system is child friendly, in the sense, that the medication given by
homeopaths is sweet to the tooth and therefore acceptable. Homeopaths are known
for debonair and their hands free treatment of patients. They concentrate more
on the patient’s state of mind and attitude towards life. The preparation of different
potions in Homeopathy is done mostly with the help of herbs, minerals and
animal extracts. Also, it is often reasoned that since the dosage that homeopaths
prescribe is in such minute constitutions and because they come in dilutions of
substances like water and alcohol there is no chance of any side-effects.
Germany also stands famous for its herbal remedies. Regulated by Commission
E14 on the purity and pharmaceutical activity, these herbal medicines in Germany
have come a long way in preventing and curing many diseases like cancer, AIDS and
other serious ailments. Most physicians in Germany are required to be educated in
Alternative therapies, so that it serves complimentary to modern medical treatments.
As Mark Blumenthal, chairman of the American Botanical Council points out, “Most
of the clinical research that’s conducted on the leading herbal medicines in the United
States comes from Germany.”15

With more than 300 spa towns, Germany has become the premier destination
for health and wellness in Europe.16 One of the most famous resorts in Germany
is the Baltic Spa Resort in Warnemunde. Situated on the shore of the Baltic Sea,
it idealizes the sea as a “homeopathic pharmacy” and claims that “it contains all
important trace elements and has a similar composition to human blood”17 Sea water is said to have revitalizing effects in treating bodily ailments like respiratory
illnesses, sleep disorders and obesity. Other than these, mental disorders like
depression, anxiety and agony are claimed to be cured with the help of the sea.
Sea breeze is said to be specifically effective in treating cardio-vascular as well as
dermatological conditions. Major advantages that Germany faces are in terms of
both cost and quality. As Axel Steller, the CEO of the Arab German Health
Foundation points out, “In the US, operations are four to five times more expensive
as they are in Germany”.

Japan

Japanese medicine is known as Kanpo or Kampo, a herbal medicine that forms part
of well-researched modern clinical methods and also traditional methods of
medicine. A Japanese variant of the traditional Chinese medicine or the Oriental
medicine, Kanpo adheres to the body’s natural instincts and natural mechanism
of healing. For this purpose, medical treatment involves diagnosis of the tongue,
abdomen and pulse. At each stage of the treatment, different formulae that are
necessary to bring the body back to normalcy, are prepared by the physician.
These herbal medicines are regulated by the Japanese Government. Kanpo
medicine is used to cure many acute and chronic ailments like cardio-vascular,
respiratory, digestive, reproductive and dermatological conditions and immune
system corrections and even disorders like bedwetting, high cholesterol and
hepatitis. Though Kanpo therapies take longer than usual to work, this medical
system uses some very natural diagnosis and treatment methods and concepts
like water, blood and air to identify bodily symptoms. Also, it is claimed that
these herbal medicines produce no side-effects because of their natural
compositions. Japanese therapists of Anma visit countries like India and Singapore
to help in promotion of health tourism. Anma, a traditional Japanese massage, is
said to be a complete form of Shiastu19 that treats the body to release blood flow
in a proper manner to rejuvenate the body.

Apart from attracting tourists for its natural herbal medical treatments, Medical
tourism in Japan has become popular thanks to its volcanic areas that have allowed
the formation of some hot mineral water springs called Onsen. Japanese Onsen serve as places where the ailing can get alternative treatments to modern medical
practices. These have medicinal properties that heal wounds, alleviate pains and
replenish energy levels. Senior tourists and people suffering from many kinds of
aches and pains come flocking to these mineral water springs. The healing
properties of these springs are accentuated by the surrounding volcanic soil that
is composed of many minerals and curative elements.

Outlook of Medical Tourism in Alternative Medicine

Alternative medicine is here to stay, claim some traditional medical practitioners.
Given its perceived advantages over the modern medical techniques and the expensive
western medicines, alternative medical therapy is gaining ground in many developing
as well as developed countries. Practices like Ayurveda and Homeopathy claim that
surgery may always be the last option in case of treatment of an ailment. Natural
medicines like herbs and minerals can all be partaken as food and not medicines as
such, since their composition is all natural. Alternative medicine is used in conjunction
with modern medicine to treat many chronic ailments like diabetes and AIDS. This
helps modern medical practitioners to evolve a closer relationship with the patient
and cure him to a greater extent, thus giving him a new perspective to life. It follows
that one should never overlook the disposition of the traditional cures suggested by
our ancestors. These provide a standpoint from where one can comprehend the
profundity of traditional and alternative medicine, and gauge the tremendous potential
of alternative medicine in medical tourism.

Please seek author’s permission for reprint. Send a reprint request to kirrti82@gmail.com.

References
1. www.hinduonnet.com
2. “Kerala”, www.takekerala.com
3. “Prospects of Medical Tourism in India”, www.mpiweb.org
4. “Medical Tourism push for Penang and Langkawi”, http://thestar.com.my
5. www.wikipedia.com

Many people think they have no need to worry about their health or that of their team or assume their health insurance will cover if necessary. However, staying healthy usually takes more than just common sense. Furthermore, life may not go as planned; how we handle illnesses when they occur before and after seeing doctors can mean life or death. There is NO health insurance that covers our medical bills, absenteeism, time, effort, opportunities and lives altogether. As a physician, I want first to share a story with you.

My mother and I were involved in a tragic auto-accident. Although she did not have any health issues prior, she could not breathe without a ventilator after five weeks of intensive care. The ICU physicians “concluded” that she would be ventilator dependent for the rest of her life; she refused to live on a machine. I had never doubted the ICU physicians — they were my physicians at that time as well. At that moment, I had to hold in my tears and do my own assessment. To my surprise, I found my mother did not breathe efficiently, so I taught her a new way of breathing and practiced with her. Within three days, my mother was taken off the ventilator successfully. Had I not questioned the ICU doctors, my mother would have chosen to die.

Later in her rehab, my family worked with nine other specialists, including acupuncture and herbs, and achieved what most rehabilitation experts cannot imagine — my mother now is not only able to cook, shop and enjoy her interests fairly independently, but also reminds me of my tax return!! Her entire care cost almost $300,000, not to mention the time and effort and her suffering. In the end, I am very lucky that I can still have a healthy and happy mother.

To stay healthy, we need basic overall medical knowledge, proper thinking and the ability to stay calm and enjoy life under any level of stress. In order to save other people from similar and other preventable suffering and losses, we have set up a 2-day Comprehensive Health Program, based on our dual medical training, clinical and teaching experiences.

The basic medical knowledge enables us to stay healthy and handle illnesses properly before and after we see doctors. Many common illnesses are preventable, for example, sexually transmitted diseases. In my mother’s case, the Para-medic did an excellent job in securing her injured neck. Otherwise, she could have died right at the accident scene. Some parents like to use toothpaste to ease the burned skin of their children. However, the toothpaste can make it much harder to clean the burned skin later in Emergency Room and increase the chance of severe infection.

Improper thinking in health can lead to severe consequences, directly or indirectly, before or after seeing doctors. Some people use food as “anti-depressants” or “de-stressors” and gain weight rapidly. Being overweight is a big health hazard, and can lead to and worsen many health problems, such as Diabetes and Hypertension. Some people give up treatment due to self-doubt; some people develop massive myocardial infarction because of the delay in coming to the hospital secondary to their denial.

My mother’s case is a good “after” example. One gentleman lay in bed, “totally paralyzed,” for one year due to a wrong diagnosis of one hospital until he met Dr. Milton Erickson — Dr. Erickson “made him so angry” that he walked out of the doctor’s office the same day! Humans tend to believe in “authorities figures” that can be our parents, school principles, judges, doctors, attorneys, etc, and turn off our own judgment. All of these are samples of internal restrictions. What makes it worse is that the improper thinking or internal restrictions can be so familiar to us that we are not aware of their existence!

As proven by Harvard studies, stress can cause an inability to think clearly or make the right decisions, decreased creativity as well as other cognitive, psychological and physical symptoms; over 50% of adults in the U.S. experience high daily stress. Stress can also worsen many chronic diseases, such as heart disease, stroke, high blood pressure, depression and Fibromyalgia.

Knowing more and seeing the big picture, besides having a strong spirit, will strengthen our confidence and help us stay in better control. We do not have to wait until we or our loved ones get sick. Without entering a health career, we can learn to stay healthy and fit and avoid getting sick. We can learn to avoid making mistakes when handling emergency illnesses, reduce hospital stays and recover faster and better. We can learn to know ourselves more, utilize and evaluate different medical systems and knowledge, including herbs and acupunctures. We can learn to build our personal relaxation hierarchy (including deep breathing and meditation used in Harvard’s program), manage different levels of stress, proactively reduce and prevent stress, enjoy life better and more. To have the big health picture all at once, instead of piece by piece, will help us better solve individual problems as they arise.

Comprehensive self-care at different medical stages helps us and our businesses stay in charge of not only our health, but also the potential losses in time, money, effort, opportunities or even lives. Comprehensive self-care helps to maintain healthier and more efficient productivity at significantly reduced costs, so we can compete better in this increasingly challenging global market. There is NO insurance that can insure all of them for us. The best medicine is not only about making diagnoses and delivering treatments, but also staying well, preventing sickness and recovering swiftly. Everyone can make the health system more efficient and cost-effective.

Let’s start learning now to take charge of our health, control our future medical and subsequent costs in time, effort, opportunities and life. We can live better, compete better and protect our successes and future!

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A list of some of the alternative medicine practices you’re likely to encounter in the United States. Some of these are considered border-line acceptable even in the professional medical field, and many understand that this is unfortunate.

Mostly these are just scams, quackery, and nonsense, which unfortunately gullible people believe in if they are desperate and grasping at false hope. Keep your eyes peeled for any of these, and be prepared to stamp out the harmful ones.

Doman-Delacato Treatment
This approach, also called “patterning,” was developed during the mid-1950s and is still offered at the Institutes for Human Potential in Philadelphia, Pennsylvania. Its proponents claim that the great majority of cases of mental retardation, learning problems, and behavior disorders are caused by brain damage and poor neurological organization. The treatment is based on the idea that high levels of motor or sensory stimulation can train the nervous system and lessen or overcome handicaps caused by brain damage.

Parents following the program are advised to exercise the child’s limbs repeatedly and use other measures said to increase blood flow to the brain and decrease irritability. In 1982 and 1999, the American Academy of Pediatrics issued position statements concluding that “patterning” has no merit, that its proponents’ claims are false, and that the demands on families are so great that in some cases there may be actual harm in its use. In 1996, neurologist Steven Novella, M.D., reviewed the scientific literature and concluded that “patterning” was a pseudoscience.

Orthomolecular Therapy
Orthomolecular therapy is defined by its proponents as the treatment of disease by varying the concentrations of substances normally already present in the human body. Its proponents claim that many diseases are caused by molecular imbalances that are corrected by administration of the “right” nutrient molecules at the right time.

Orthomolecular therapy dates back at least to the early 1950s when a few psychiatrists began adding massive doses of nutrients to their treatment of many severe mental problems. The original substance was vitamin B3, and the therapy was termed “megavitamin therapy.” Later the treatment regimen was expanded to include other vitamins, minerals, hormones, and dietary supplements, any of which may be combined with conventional drug therapy and even electroshock treatments. A few hundred physicians now use this approach to treat a variety of conditions, both of a mental and physical aspect.

Raw Milk
Raw milk is milk in its unpasteurized state. Public health authorities advocate pasteurization to destroy all disease-producing bacteria that may be present. Health faddists claim that it destroys the essential nutrients. Although about 10% to 30% of the heat-sensitive vitamins, which are vitamin C and thiamine, are destroyed in the pasteurizing process, milk is not a significant source of these nutrients in the first place.

Contaminated raw milk can be a source of harmful bacteria, including those that cause undulant fever, dysentery, salmonellosis, and tuberculosis. “Certified” milk, obtained from cows certified as healthy, is unpasteurized milk with a bacteria count below a specified standard, but it still contains significant numbers of disease-producing organisms.

Rife Frequency Generator
The Attorneys General of Wisconsin and Minnesota have sued to stop an unlicensed woman, Shelvie Rettmann, of Prior Lake, Minnesota, from representing that she cures cancer. In December 1997, Wisconsin Attorney General James Doyle showed that a Wisconsin resident who was diagnosed with advanced colon and liver cancer used Rettmann’s services after being told that she could cure the woman’s cancer. Although medical doctors had recommended chemotherapy, Rettmann had told her otherwise.

At their first meeting, Rettmann photographed the woman and her daughter with a Polaroid camera and put the photos in a cup fastened to a radionics machine. After informing the mother that she had colon and blood cancer and the daughter that she had breast cancer, Rettmann allegedly advised both to have treatments with a Rife Frequency Generator, a special diet, dietary supplements, a regimen of baths, and something called ‘foot zoning’, which is a type of foot massage claimed to break up accumulated deposits at the end of foot nerve endings in order to help heal the body.

VAX-D Therapy
The VAX-D Therapeutic Table is a motorized traction device which is used to stretch the lower back. VAX-D is an acronym for “vertebral axial decompression.” The device is a two-part table in which the upper part is fixed to the table frame and the lower part slides back and forth to provide sudden intermittent traction. The patient is then anchored to the lower part by a pelvic harness.

VAX-D therapy is usually provided on an outpatient setting for the purpose of relieving back pain. Its providers, including chiropractors, medical and osteopathic physicians, and physical therapists, commonly recommend twenty sessions of 30-45 minutes, with a total cost of several thousand dollars. During the treatment, the patient lies face-down with the upper part of the body on the stationary portion of the table, and with arms overhead, grasping handles attached to the this part of the table. A pneumatic cylinder drives the two parts of the table apart and together to provide gradual stretching alternating with relaxation of the stretching. A typical cycle includes a minute of each half.

Auditory Integration Training
Abbreviated as AIT, this was developed as a treatment for autism by Guy Berard in France in the 1960s and since was introduced into the United States in 1991. It has also been advocated for children and adults with learning disabilities, attention deficit disorder, depression, migraine headaches, and many other mental conditions.

Proponents claim that individuals with these disorders have hearing that is disorganized, hypersensitive, different between the two ears, or otherwise abnormal. The first step in AIT is an audiogram, a diagram that determines the auditory thresholds to more frequencies than are typically measured during hearing tests. Suitable individuals then undergo training sessions, which are typically two half-hour sessions per day over a 10-day period, that involve listening to music that has been computer-modified to remove frequencies to which they are hypersensitive.

The American Academy of Pediatrics and the American Academy of Audiology have warned that no well-designed scientific studies demonstrate that AIT is of any use. AIT devices do not have FDA approval for treating autism, attention deficit disorder, or any other mental condition. In 1997, the FDA banned the importation of the Electric Ear or any other AIT device made by Tomatis International, of Paris, France, and they are now illegal.

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A list of some of the alternative medicine practices you’re likely to encounter in the United States. Some of these are considered border-line acceptable even in the professional medical field, and many understand that this is unfortunate.

Mostly these are just scams, quackery, and nonsense, which unfortunately gullible people believe in if they are desperate and grasping at false hope. Keep your eyes peeled for any of these, and be prepared to stamp out the harmful ones.

Doman-Delacato Treatment
This approach, also called “patterning,” was developed during the mid-1950s and is still offered at the Institutes for Human Potential in Philadelphia, Pennsylvania. Its proponents claim that the great majority of cases of mental retardation, learning problems, and behavior disorders are caused by brain damage and poor neurological organization. The treatment is based on the idea that high levels of motor or sensory stimulation can train the nervous system and lessen or overcome handicaps caused by brain damage.

Parents following the program are advised to exercise the child’s limbs repeatedly and use other measures said to increase blood flow to the brain and decrease irritability. In 1982 and 1999, the American Academy of Pediatrics issued position statements concluding that “patterning” has no merit, that its proponents’ claims are false, and that the demands on families are so great that in some cases there may be actual harm in its use. In 1996, neurologist Steven Novella, M.D., reviewed the scientific literature and concluded that “patterning” was a pseudoscience.

Orthomolecular Therapy
Orthomolecular therapy is defined by its proponents as the treatment of disease by varying the concentrations of substances normally already present in the human body. Its proponents claim that many diseases are caused by molecular imbalances that are corrected by administration of the “right” nutrient molecules at the right time.

Orthomolecular therapy dates back at least to the early 1950s when a few psychiatrists began adding massive doses of nutrients to their treatment of many severe mental problems. The original substance was vitamin B3, and the therapy was termed “megavitamin therapy.” Later the treatment regimen was expanded to include other vitamins, minerals, hormones, and dietary supplements, any of which may be combined with conventional drug therapy and even electroshock treatments. A few hundred physicians now use this approach to treat a variety of conditions, both of a mental and physical aspect.

Raw Milk
Raw milk is milk in its unpasteurized state. Public health authorities advocate pasteurization to destroy all disease-producing bacteria that may be present. Health faddists claim that it destroys the essential nutrients. Although about 10% to 30% of the heat-sensitive vitamins, which are vitamin C and thiamine, are destroyed in the pasteurizing process, milk is not a significant source of these nutrients in the first place.

Contaminated raw milk can be a source of harmful bacteria, including those that cause undulant fever, dysentery, salmonellosis, and tuberculosis. “Certified” milk, obtained from cows certified as healthy, is unpasteurized milk with a bacteria count below a specified standard, but it still contains significant numbers of disease-producing organisms.

Rife Frequency Generator
The Attorneys General of Wisconsin and Minnesota have sued to stop an unlicensed woman, Shelvie Rettmann, of Prior Lake, Minnesota, from representing that she cures cancer. In December 1997, Wisconsin Attorney General James Doyle showed that a Wisconsin resident who was diagnosed with advanced colon and liver cancer used Rettmann’s services after being told that she could cure the woman’s cancer. Although medical doctors had recommended chemotherapy, Rettmann had told her otherwise.

At their first meeting, Rettmann photographed the woman and her daughter with a Polaroid camera and put the photos in a cup fastened to a radionics machine. After informing the mother that she had colon and blood cancer and the daughter that she had breast cancer, Rettmann allegedly advised both to have treatments with a Rife Frequency Generator, a special diet, dietary supplements, a regimen of baths, and something called ‘foot zoning’, which is a type of foot massage claimed to break up accumulated deposits at the end of foot nerve endings in order to help heal the body.

VAX-D Therapy
The VAX-D Therapeutic Table is a motorized traction device which is used to stretch the lower back. VAX-D is an acronym for “vertebral axial decompression.” The device is a two-part table in which the upper part is fixed to the table frame and the lower part slides back and forth to provide sudden intermittent traction. The patient is then anchored to the lower part by a pelvic harness.

VAX-D therapy is usually provided on an outpatient setting for the purpose of relieving back pain. Its providers, including chiropractors, medical and osteopathic physicians, and physical therapists, commonly recommend twenty sessions of 30-45 minutes, with a total cost of several thousand dollars. During the treatment, the patient lies face-down with the upper part of the body on the stationary portion of the table, and with arms overhead, grasping handles attached to the this part of the table. A pneumatic cylinder drives the two parts of the table apart and together to provide gradual stretching alternating with relaxation of the stretching. A typical cycle includes a minute of each half.

Auditory Integration Training
Abbreviated as AIT, this was developed as a treatment for autism by Guy Berard in France in the 1960s and since was introduced into the United States in 1991. It has also been advocated for children and adults with learning disabilities, attention deficit disorder, depression, migraine headaches, and many other mental conditions.

Proponents claim that individuals with these disorders have hearing that is disorganized, hypersensitive, different between the two ears, or otherwise abnormal. The first step in AIT is an audiogram, a diagram that determines the auditory thresholds to more frequencies than are typically measured during hearing tests. Suitable individuals then undergo training sessions, which are typically two half-hour sessions per day over a 10-day period, that involve listening to music that has been computer-modified to remove frequencies to which they are hypersensitive.

The American Academy of Pediatrics and the American Academy of Audiology have warned that no well-designed scientific studies demonstrate that AIT is of any use. AIT devices do not have FDA approval for treating autism, attention deficit disorder, or any other mental condition. In 1997, the FDA banned the importation of the Electric Ear or any other AIT device made by Tomatis International, of Paris, France, and they are now illegal.

Have you seen those too good to be true television commercials reporting that you can easily obtain term life insurance coverage for $10 a month without requiring a medical exam? These television offers traditionally claim that you can obtain a relatively large no medical term life insurance policy, for an amount of $50,000 or more. You need to beware of these no medical term life insurance promises though, because many are not quite as straightforward as they appear to be.

First of all, you will never be able to secure the maximum amount of term life insurance coverage by paying such a nominal premium. The insurance company providing the term life insurance would go bankrupt if they offered these extremely low rates for so much insurance coverage, especially when it comes to providing term life insurance without requiring a medical examination of any kind.

The low premium amounts that are offered are only going to offer low benefit amounts. While no medical term life insurance is affordable by nature, nothing is that affordable. People who tend to buy no medical term life insurance are generally the more risky people to insure because they have pre existing conditions or have aged considerably and are still seeking insurance coverage. When it comes to larger insurance policies, the term life insurance rates for no medical term life insurance have to be equally as high. Read more concerning term life insurance at http://hovancikfamily.blogspot.com/2008/05/life-insurance.html.

People who are already in good health are usually willing to go through the time associated with going through a medical examination, since they know that their good health will play a part in determining the low rates for their term life insurance. People, who are in relatively poor health on the other hand, are generally aware that their term life insurance rates will be higher, requiring them to seek no medical term life insurance as their primary alternative.

No medical term life insurance is therefore much more popular for people who are older, or who have poor health and whose term life insurance rates will suffer as a result. For many consumers however, “no medical term life insurance” still may not be the ideal alternative. This is because it may be just as easy to work to improve your health, to get a real term life insurance policy with low rates. Many people who seek no medical term life insurance rates are actually in such poor health that if they were honest on their applications, they would not qualify. Learn more concerning term life insurance at http://chalyza.blogspot.com/2008/05/life-insurance.html.

Even if you think no medical term life insurance may be your only option, you should still go out and get a medical exam. This is good not only for your insurance, but also for your life as well. Once you know exactly where you stand in terms of your health, you can begin to take the steps and actions necessary to improve it. It is never too late to work to improve your health, no matter how old you are, or how far gone you believe your health to be.

No medical term life insurance may be an option, but it is not necessarily your best option, and if the policy seems too good to be true, it probably is. No term life insurance policy is one size fits all, and it is important to explore all of your options before you select the insurance policy that you will use to protect your family.