Posts Tagged ‘Medical’
Medical Resource A List of Unusual Alternative Medicine
July 4th, 2010 | 
Author: 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.
Hallelujah Diet
“Reverend” George M. Malkmus claims to have eliminated his colon cancer and other serious health problems more than twenty-five years ago by “following biblical principles for a natural diet and healthy lifestyle.” He and his wife Rhonda Jean operate ‘Hallelujah Acres’, where they hold seminars, sell products, and advocate a diet that consists of raw fruits and vegetables.
Malkmus and his followers claim that his methods have helped people with obesity, cancer, arthritis, and more than a hundred other health problems. He is a very eloquent speaker who is capable of inspiring people who trust in what he says. It has been speculated that he is in fact running a cult, with an unknown number of followers at the ‘Hallelujah Acres’ site.
Intra-Cellular Hyperthermia
Nicholas Bachynsky, a medical doctor whose license was revoked in the early 1990s, is largely responsible for the persistence of intracellular hyperthermia as a treatment. In April of 2004, he was imprisoned in a Floria jail to await trial on fraud charges related to sale of phony stock in a business founded on the alleged treatment.
The claim is that it is effective against cancer and Lyme disease by way of the intravenous administration of 2-4- dinitrophenol (DNP), which the U.S. Food and Drug Administration banned more than sixty years ago.
Herbal Medicine
Americans are now spending billions of dollars per year for herbal capsules and tablets, bulk herbs, and herbal teas. Although the teas are consumed for their flavor, most of these products are probably used for supposed medicinal qualities. Sales by multilevel distributors and pharmacies amount to hundreds of millions more for products that are obviously intended for harmful self-medication.
Herbs are also marketed by naturopaths, acupuncturists, iridologists, chiropractors, and unlicensed herbalists, many of whom prescribe them for the entire gamut of health problems of every description. Many such practitioners are not qualified to make appropriate medical diagnoses or to determine how the products they prescribe compare to proven drugs, and are not licensed to do anything at all, for that matter.
Mesotherapy
Touted as a nonsurgical alternative to liposuction, mesotherapy involves the injecting of medications and plant extracts into the layers of fat and connective tissue under the skin.
The injected ingredients may include agents that are used to open blood vessels, nonsteroidal anti-inflammatory medications, enzymes, nutrients, antibiotics, herbal cures, and hormones. Mesotherapy is said to be used in conjunction with dietary modification, hormone replacement therapy, exercise and nutritional supplements. No drug is approved by the U.S. Food and Drug Administration for use in mesotherapy, and none will.
Bio Energetic Synchronization Technique
Bio Energetic Synchronization Technique (B.E.S.T.), came out during the mid-1970s by chiropractor MiltonTed Morter, Jr., of Rogers, Arkansas. It is claimed to be “a holistic program that coordinates and balances the workings of all the systems of the body.” Morter defines B.E.S.T. as “a nonforceful chiropractic technique for the 21st century that removed interference from the nervous system by the use of the hands.” Morter claims that such interferences occur when subtle pulses in different parts of the body are not synchronized.
Neuralyn
Between April 1997 and June 2000, Beverly and Thomas Vigil of Meridian, Idaho, touted a product called Neuralyn on the Internet and elsewhere as a highly effective treatment for spinal cord injuries and other ailments. The couple claimed that Neuralyn was an all-natural substance made up of B vitamins, amino acids, and extracts of plants from the Yucatan Peninsula region. According to Thomas Vigil, the idea for Neuralyn came from a dream.
In fact, the Vigils teamed up with pharmacist David Taylor and concocted Neuralyn using a number of homeopathic ingredients as well as a couple of topical anesthetics. According to Assistant U.S. Attorney Wendy Olson, more than 100 people, most of them paraplegics or quadriplegics, paid up to $10,000 per person to come to clinics in Idaho, Utah and Colorado for Neuralyn treatment.
These people were told that Neuralyn treatments had been 85% to 95% successful, and that the product would enable spinal cord injury patients to move, stand on their own, or walk again by regrowing new nerve cells. The Vigils are now in custody facing charges.
Optometric Visual Training
This approach is based on an idea that learning can be improved by exercises that stimulate coordination of the eye muscles or improve hand-eye coordination. Its proponents assume that the basic problem that leads to reading disability is some deficit in the muscles of the visual system.
The American Academy of Pediatrics and the American Academy of Ophthalmology have spoken out against this approach and cautioned that no eye-muscle defects can produce the learning disabilities associated with dyslexia. Dyslexia is actually a reading disorder characterized by omissions, faulty word substitutions, and impaired comprehension. It isn’t due to mental retardation, lack of schooling, or brain damage.
Thought Field Therapy
Abbreviated as TFT, its founder, psychologist Roger J. Callahan, Ph.D., claims that TFT “provides a code to nature’s healing system and addresses their fundamental causes, balancing the body’s energy system and allowing you to eliminate negative emotions within minutes and promote the body’s own healing ability.”
The Callahan Techniques site also recommends dietary supplementation for the persons who “suffer from multiple environmental sensitivities and even allergies which aggravate psychological problems.” During the TFT sessions, the therapist uses sequences of finger taps on “acupressure points” of the hands, face, and upper body. The patient at the same time does repetitive activities, such as repeats statements, counts, rolls the eyes, or hums a tune while visualizing a distressing situation.
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The Lowdown on Life Insurance Medical Exams
There are three main ways a new life insurance policy is priced: Underwritten policies are those where you answer questions on your personal and family medical history and undergo a medical exam arranged by the insurance company; a simplified issue life insurance policy application asks you some medical questions but does not require a medical exam; and a guaranteed issue life insurance policy requires no questions and no medical exam. If you’re healthy, or even if you have a few medical problems, you’re likely to get the best insurance value from an underwritten policy, which is priced specifically for you. Simplified issue and guaranteed issue life insurance policies set a price that assumes risk that you may not have.
Whether you’re buying term life insurance or whole life insurance, you’ll likely be asked to undergo a medical exam. These are typically performed by licensed paramedicals who are often independent contractors hired by the insurance company. They will schedule a visit to your home for the exam and bring all the necessary supplies. The life insurance company foots the bill for the exam.
Health questions
When you submit your completed application for your life insurance policy, your agent or life insurer will call a paramedical service to let them know you require an life insurance medical exam. The service will then contact you to arrange a convenient time and place. You must have the exam or your application won’t be processed.
The life insurer may still request an attending physician’s statement (APS) from your doctor, but you cannot have the life insurance medical exam done by your own physician.
In a basic exam, the paramedical will take your medical history (even though you’ve already supplied it on your application), height and weight, blood pressure, pulse, and blood and urine samples. Beyond that, tests will vary based on your age and policy amount.
For example, MetLife will order an in-home EKG for applicants age 50 and older who are applying for face amounts of at least $1 million. For applicants age 70 and older who are applying for $2 million policies and higher, MetLife forgoes the paramedical exam and requires an exam by an M.D. chosen by MetLife (not your own doctor). The doctor will ask the same medical questions as a paramedical and get your height, weight, blood pressure and pulse, plus do a brief medical exam such as listening to your heart.
Jacki Goldstein, Vice President of Life Underwriting at MetLife, emphasizes that this is not a comprehensive medical exam and does not include sensitive issues, such as a breast exam for women. Goldstein also stresses that the M.D. life insurance exam is not a substitute for good routine medical care.
When age and face amounts get higher, a treadmill test may be required. For example, MetLife requires treadmill tests for applicants who are at least 50 and applying for over $10 million in insurance or applicants 76 and older applying for $5 million or more.
If you’re applying for a low face value policy, you may not even be asked to do a paramedical exam. For example, if you’re age 40 and applying for $50,000 of life insurance, MetLife requires no specific tests or measurements. And for some cases, MetLife asks for a “simple paramed” exam, encompassing the basic measurements and blood and urine work but without the paramedical question list. Guidelines for tests will vary among life insurers.
What are They Looking For?
The life insurance company wants to know if you have any health condition that could shorten your life which in turn affects the insurer’s risk and your policy premium. When samples of blood and urine are collected, the insurer tests for HIV, cholesterol and related lipids, liver or kidney disorder, diabetes, hepatitis, prostate specific antigen (PSA) and immune disorders. The urine sample might go through routine analysis, plus screening for certain medications, cocaine and other drugs.
Results go to the life insurer’s home office for an underwriter to review. You can usually send a written request if you want a copy of the results, and some insurers will automatically send you a copy of your lab work. If there’s anything of concern about the lab results, you would need to consult your own doctor. Goldstein says, “It’s not uncommon to have abnormalities that don’t mean anything.”
A life insurance underwriter then reviews your application and the results of your medical exam. They decide your life insurance rating, which sets your premium. If there are lingering questions about your health, they may request additional information or medical tests. In the very rare event you are unknowingly quite ill chronically or terminally your application would be declined and you would have to look for a high-risk carrier or one that offers guaranteed issue life insurance.
Don’t Let Your Life Insurance Premiums Go Up In Smoke
Smokers pay higher premiums for life insurance because of their higher mortality rate. If any nicotine shows up in your results, you’ll be considered a smoker. The test also detects nicotine from a transdermal patch.
After the Life Insurance Exam Results
If your test results correlate with the classification used for your original life insurance quote, you’ll have no problem getting that rate. If a medical problem is discovered, you might be offered a life insurance policy with a higher premium.
There are two types of risk ratings: “flat” ratings, sometimes called temporary flat extras, and “table” ratings. Underwriters assess health conditions based sophisticated table to determine how to rate certain health conditions.
For instance, an underwriter might apply a flat rating for a short period of time for a person who has just had surgery. On the other hand, a person with high-blood pressure could receive a table rating, which increases premiums by a set amount for the duration of the policy, depending on your medical condition and age. If you disagree with a rating you receive, contact your agent.
Agents can find out if the rating can be revised based on supplemental medical tests to prove you qualify for a better rating.
Even if you end up declining the life insurance policy, your test results become part of your record in MIB Group’s database (formerly the Medical Information Bureau), a clearinghouse of medical information that insurers share which stores information for seven years after you apply for a life, health, disability income, long term care or critical illness insurance policy.
MIB is jointly owned by about 470 insurance companies. So, if you go shopping around for other term or whole life insurance policies, remember that your medical information is accessible to other insurers in the near future. Note that MIB’s database does not contain actual medical records but rather codes that represent medical conditions and tests, hazardous hobbies and even your bad driving record.
If you want to check your MIB file, or dispute information in it, you can obtain one free report annually at www.mib.com.
No Way, You Say?
Life insurance medical exams are really quite routine. But if you want to avoid a medical exam at all costs, you could buy a simplified issue life insurance policy, which requires only that you answer a few medical questions, or a guaranteed issue life insurance policy, which requires neither an exam nor questions.
Keep in mind, though, that if you’re in general good health, or even with a history of some health issues, you’ll likely get a much better rate by buying a life insurance policy that requires a medical exam.
Tips for a Better Life Insurance Medical Exam
Certain health conditions simply cannot be masked, but to obtain the best possible results, here are some recommendations:
-Get a good night’s rest the night before your exam. -Don’t drink for at least eight hours before the exam.
-Avoid coffee, tea or other caffeinated drinks such as soda for at least one hour prior to the exam.
-Limit salt intake and high-cholesterol food 24 hours before your exam.
-Don’t engage in strenuous physical activities 24 hours before the exam.
Source: Exam & Profile Services, Beaver Dam, Wisconsin
Amy Danise is a staff writer for Insure.com. Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.
Medical Health Insurance: a Major Factor for Health Insurance
Life is very unpredictable. Today, you might be in good shape, but we do not know what will happen next. However, life can also be practical. The practicality of life is something that most people hold onto. Everyone is so concerned with their personal life, especially their health. One way of being practical is to be prepared for the life ahead concerning your health. The cost of health insurance is on the rise, and the most common kinds of health insurances are medical health insurances.
With the current costs of medical care, it is readily understood why medical health insurance is badly needed. These medical health insurances pay much of the total hospital bills, while the person insured pays only a little. Such a transaction is very beneficial. If we have incurred medical health insurance then we need not worry about any emergencies that may come at any time.
There are different types of medical health insurance available. Medicare and Medicaid are the most common. Though the two may sound similar they are actually quite different. Medicare is issued to senior citizens and the Medicaid program is offered to people with lower incomes. Both are sponsored by the government. There are also other insurances such as the Point of Service Health Insurance, the Preferred Provider Organization, and the Health Maintenance Organization, which offers similar services but differ in some points.
Though everything is practical, still we have to consider if it is practicable. Nowadays, the means of living is very tough. Inflation is getting growing. As the recent survey shows, the total health expenditures last 2007 were expected to rise to 6.9 percent, which is twice the inflation rate. This means that the total cost of health care is rising gradually.
To this point, a person may have to consider his financial status before engaging in such transactions. A person has to be very careful and wise in making a decision about which medical health insurance will fit him best. If he has other bills to be paid off each month, consider which is more valuable, which is more important, and which is more efficient and conducive.
People say that the best things in life are free, but nowadays, nothing is given free of charge. Although, these medical health insurances helps you in various ways, still be reminded that they require money. As to what old folks may say, “no money, no honey.” Money really makes the world go round. If you do not have a stable job in which you can get enough to pay your bills every month, it would not be practicable to get any health insurance.
Practicality in life may seem easy, but practicability may not. Still it would be better to just take good care of yourself and live a life that is satisfying, free of extra bills.
Medical health insurance is one of the major health insurance of Health Insurance Consumer Guide. Yet, by all means, we have to realize that practicability is also important.
Get Instant Quotes on Life Insurance ? No medical examination
The older you are, the harder it is for the purchase of life insurance without the need for medical examination by one. Fortunately, there are many suppliers, insurance specialist insurance in this way and have an online presence.
It offers fast and very easy to get life insurance online. No medical examination is required and no call agent. Best of all these services are free and available by simply entering your details and answer a few questions about your health.life insurance no medical exam
In less than 15 minutes you can go online free life insurance quotes for medical coverage up to $ 500,000. First, you must select the member state where you live, because not all insurance providers online are all allowed to operate inside Some states also have rules of life, instead of> Insurance Industry, and is calculated to influence the speed they are.
If you search online for suppliers of life insurance without medical insurance should compare different rates for the period and the amount of coverage. Some have lower prices than others, which can save money on the premium you pay for the duration of the word. One of the good things about getting this type of policy is not to increase the premium during the term, you should develop a medical condition during this time.life insurance no medical exam
insurance providers assume that just because you are looking for insurance online quotes free medical examination, you have a medical condition of any kind is not always the case and it was cheaper insurance examinations, choosing a policy, a that do not require this type.
Medical Science vs. Natural Health & Alternative Medicine
Be My Friend www.myspace.com Medical Science vs. Natural Health & Alternative Medicine Are drugs the answer to your health problems? Better Body Clinical Nutrition Joe Stickland, ACN Applied Clinical Nutritionist Visits Joseph’s Website at www.nutritionaustin.com This video was produced by Psychetruth http www.youtube.com psychetruth.blogspot.com © Copyright 2008 Better Body Clinical Nutrition. All Rights Reserved. Distributed by Tubemogul.
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Find an Affordable Policy
With life insurance without a medical insurance is a risk that is in good health. To offset the additional risk, they often must pay a higher premium. However, if some ‘simple comparison shopping on the Internet, you can still find affordable term life policy that is notrequire a medical examination.
Start your going to compare to an insurance comparison site. Here you will find complete and submit a simple online questionnaire. If you have questions, the best insurance comparison websites, are experts in hand, talking with you and help you (see link below).