Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
Vitamin D Benefits: Vitamin D that is prevalently known as the “daylight nutrient” is one of the fundamental nutrients needed to a human body. Do you know why it is known as a daylight nutrient? It is on the grounds that Vitamin D can be consumed by a body through the daylight that keeps each human body sound.
As per the National Institutes of Health’s Office of Dietary Supplements, the significant obligation of Vitamin D is advancing calcium assimilation that makes it fundamental for bone development just as bone redesigning.
Thus, the absence of nutrient D can bring about flimsy, weak, or deformed bones. Nonetheless, nutrient D gives a wide scope of advantages as well. From positives for physical to emotional wellness, you will secure a few medical advantages.
Vitamin D is notable for its bone-working just as fortifying advantages. It regularly advances the retention of calcium in your gut that ultimately adds to the typical mineralization of bones.
In more straightforward words, the calcium that benefits your bones would not have the option to do its real occupation with the nonappearance of Vitamin D.
We as a whole require Vitamin D for bone development just as to dodge bones from getting fragile.
At the point when Vitamin D will be blended in with calcium, it will absolutely battle different sicknesses, for example, osteoporosis.
Aside from its bone-building powers, Vitamin D likewise reinforces muscles. The absence of nutrient D in the body ultimately builds the conceivable outcomes of frail muscles that thusly expands the danger of falls.
So, Vitamin D is especially crucial for old individuals. It will help in expanding muscle strength that forestalls falls that is a typical issue prompting generous handicap just as death in more established grown-ups
Support Immune System & Fight Inflammation
Vitamin D likewise assembles invulnerability. It incredibly bolsters one’s insusceptible framework by fighting hurtful microbes and infections. This particularly helps during the COVID-19 pandemic. In less complex words, Vitamin D has a specific function in battling viral contaminations including flu and Covid.
A new report likewise demonstrated that Vitamin D lessens the danger of intense respiratory disease with one or the other day by day or week after week Vitamin D supplementation, particularly in individuals who were lacking in it.
We as a whole realize that high scopes, just as winter season, are hazard factors for both low Vitamin D, expanded flu, and other respiratory ailment and unfriendly results. Today, we are seeing a similar example with higher death rates in this pandemic. In this way, it is the option to depend on nutrient C like never before previously.
Strengthens Oral Health
Vitamin D causes our body to assimilate calcium. Likewise, it assumes an imperative function in supporting oral wellbeing as it brings down the danger of tooth rot just as gum sickness.
Different examinations have expressed that while the exploration is inadequate, there is an “arising theory” that the nutrient is significant for oral wellbeing, because of its impact on bone digestion just as “its capacity to work as a mitigating specialist and increment the creation of antimicrobial peptides.
Prevent Type 1 & Type 2 Diabetes
Despite the fact that reviews are not indisputable, Vitamin D can be useful to forestall both sort 1 and type 2 diabetes. A few examinations even expressed that while Vitamin D all alone didn’t successfully bring down the chance of an excess of sugar in the blood, a consolidated every day admission of >1,200 mg calcium and >800 IU Vitamin D can proficiently bring down the chance of type 2 diabetes.
As indicated by contemplates, Vitamin D can conceivably treat and fix hypertension that is one of the markers of cardiovascular infection. A few different examinations likewise expressed that even momentary Vitamin D insufficiency can expand BP and target organ harm. Moreover, because of the high relationship between’s Vitamin D and hypertension, Vitamin D supplementation treatment can be another understanding into the treatment of hypertension.
Obesity is a notable danger factor for low Vitamin D levels that implies more Vitamin D can incredibly help for weight reduction. A few examinations have demonstrated that in overweight or corpulent people with low calcium levels, individuals who took a day by day portion of calcium alongside Vitamin D were more effective losing additional pounds than the individuals who took a fake treatment supplement. This is especially because of an “hunger smothering impact” of the mix.
There is a whole other world to it; in any case, the previously mentioned benefits are the greatest. Since you know all the significant Vitamin D advantages, increment its admission at the soonest.
Menopause: Are you feeling that things are simply not working the manner in which they used to? Have you likewise seen that you have nearly low energy nowadays? or on the other hand have you picked up a great deal of weight recently?
Allow us to reveal to you that you are by all account not the only individual encountering the previously mentioned things. Also, individuals even experience different uncommon side effects, for example, low drive, hot flushes, and even vaginal dryness. We realize how testing it is!! These are only menopausal side effects that each other lady experiences in the course of her life.
In the event that you have no clue about menopause, this blog is simply implied for you! Continue perusing!!!
What is Menopause?
As mentioned before, menopause happens with each lady. It is a condition when a lady doesn’t discharge for 12 back to back months, which surely implies she can not, at this point be pregnant normally.
Menopause regularly happens between the ages of 45 to 55. However, in uncommon cases, it can create previously or after this age range also.
It might cause different awkward symtomps. Once more, it fluctuates from individual to individual. While some may encounter hot glimmers, others may pick up a ton of weight.
It is additionally significant that not all ladies ought to necessarily depend on medical treatment for menopause.
Each woman’s menopause indications vary. Menopausal indications are commonly more genuine when it happens abruptly or throughout a more limited time span.
Presently, different conditions, for example, cancer or hysterectomy, or certain way of life decisions including smoking, lead to expanding the seriousness just as the term of these side effects.
Aside from changes in monthly cycle, the side effects of perimenopause, menopause, and postmenopause are generally the equivalent.
As per a new report, 75% of ladies experience hot glimmers during menopause.
Here are some of the most common symptoms of menopause:
- Vaginal dryness
- Weight gain
- Difficulty concentrating
- Memory problems
- Reduced libido, or sex drive
- Dry skin, mouth, and eyes
- Increased urination
- Sore or tender breasts
- Racing heart
- Urinary tract infections (UTIs)
- Reduced muscle mass
- Painful or stiff joints
- Reduced bone mass
- Less full breasts
- Hair thinning or loss
- Increased hair growth on other areas of the body
Natural Menopause Treatment
As a woman grows older, there is a natural decrease in her body’s capacity to create its normal hormones particularly, estrogen, progesterone, androgen, DHEA, and melatonin. With the cut down of the creation of hormones, her body’s capacity to fix just as direct likewise gets affected.
With hormone levels decreasing with age, there happens an associative quickening in the maturing cycle. Likewise, the beginning old enough related degenerative sicknesses including osteoporosis, coronary illness, diabetes, and malignant growths increments.
What’s more, the quantity of sex hormones delivered normally by a lady’s body decline radically. This in the end causes various menopausal tragedies, for example, hot flushes, discouragement, vaginal dryness, and nervousness.
Here, the test is to obtain the indication help and hostile to maturing focal points of estrogen and progesterone that too without expanding the danger of malignant growth, blood clusters, and opposite results.
That is when normal treatment becomes possibly the most important factor! Plant-determined bioidentical hormones offer more secure hormone substitution treatment and even adequately dispense with menopausal manifestations.
Bioidentical Hormone Replacement Therapy (BHRT)
These are normal types of hormones, which are primarily indistinguishable from those a lady’s body produces.
Engineered hormones are chiefly made by drug makers that typically demonstration like characteristic hormones. Nonetheless, they are really unique in relation to normal hormones.
Such engineered hormones ordinarily furnish ladies with various attractive impacts. Simultaneously, one can’t disregard the way that they additionally produce unfortunate results, for example, swelling, cerebral pains, weariness, weight pick up, blood clusters, expanded coronary illness danger, and malignant growth.
Indeed, even a few investigations show that BHRT professing to have indistinguishable structures and capacity as substances made by a lady’s body, bring about certain attractive impacts with no of the unwanted results related with manufactured hormones.
Henceforth, on the off chance that you pick BHRT, at that point pick an organization that focuses on your absolute prosperity.
Numerous complications of menopause such as:
- Vulvovaginal atrophy
- Painful intercourse
- Slower metabolic function
- Osteoporosis, or weaker bones
- Mood or sudden emotional changes
- Periodontal disease
- Urinary incontinence
- Heart disease
Thus, that was about menopause each female should know. You can profit by treatment in the event that you have extreme manifestations. Finally, menopausal indications can be chopped down with common cures just as way of life changes, as well. Thus, don’t lose expectation and frenzy!
Business Health Insurance: The increasing costs of healthcare are not just a concern for individuals, they have also majorly impacted businesses that prioritize health benefits for its workforce.Talking about small businesses, they have been specifically vulnerable. For the last 15 years, the total cost for covering one employee under group health insurance has increased by around 200 percent, which is from $2,196 to $6,435.
All these unsustainable expenses, along with the difficulty as well as the one-size-fits-all nature of traditional group advantages, particularly have caused various small businesses out there to cut down their health benefits.
Most of you may already know that this is a losing strategy for the year 2020. And if we talk about the future, it has been predicted that small businesses will encounter a competitive war for talent in which health benefits are important if all these businesses are going to succeed.
Fortunately, we have a number of small business health benefits options in the present time more than ever.
In this blog, we have discussed three of the most well-known benefits for small groups in the year 2020:
- Individual Coverage HRA (ICHRA)
- Qualified small employer HRA (QSEHRA)
- Group coverage HRAs
Also Read: 5 Best Life Insurance Companies
If you decide to stick till the end of this blog, you will certainly get a clear understanding of how these health insurance options work, what all benefits they mainly provide, and what options are the best amongst all. In addition to this, you can also learn about some regulatory changes that may make new health benefit options available in the near future.
Take a look!!
Top 3 Business Health Insurance Options
Individual Coverage HRA (ICHRA)
At the starting of this year, two new HRAs were made available to every business owner, namely the individual coverage HRA (ICHRA) and the expected benefit HRA.
The Individual Coverage HRA is a great option for employers of all sizes, especially because they have no restrictions depending on employee headcount such as the QSEHRA.
The ICHRA functions the same as the QSEHRA. However, it does not have any type of contribution limits.
Most importantly, businesses can even provide different allowance amounts depending on 11 employee classes.
In addition to this, the ICHRA is available for employees enrolled in individual health insurance. That means people who are already enrolled in his or her spouse’s group health insurance policy cannot be a part of this option.
Also Read: How Much Life Insurance Do You Need
The Qualified Small Employer HRA (QSEHRA)
This is yet another popular option. The qualified small employer health reimbursement arrangement (QSEHRA) was designed through bipartisan legislation in the year 2016.
With the QSEHRA, mostly like any other health reimbursement arrangement (HRA), every business with fewer than 50 employees can provide its employees with a monthly allowance of tax-free money.
Employees can enroll in an individual health insurance policy, as well as the business will reimburse them up to their allowance amount.
Besides, an employee can also use the QSEHRA to acquire reimbursements for eligible out-of-pocket expenses. Plus, it allows businesses to have control over their budget while providing a meaningful advantage to their employees.
With the QSEHRA, every reimbursement is free of any payroll tax for the business as well as its workforce.
Reimbursements are usually free of income tax for an employee if he or she is covered by a policy offering minimum essential coverage (MEC).
Frankly speaking, the QSEHRA is considered one of the exceptional choices for a small business as it provides a complete personalization. An employee can even buy what fits best for his or her needs. On the other hand, small businesses are also free to build their own budget.
In addition to this, the QSEHRA also provides value to a small business in unique cases, particularly those with employees who work in numerous states, those with employees who are covered under a spouse’s group policy, and also those with employees with no insurance.
Also Read: 5 Health Insurance Plans You Must Know About
- Group Coverage HRAs
This option is known for its lower cost and high deductible health plans (HDHPs). But there is a reason why it is less expensive: it covers less than other policies on this list.
To reduce some of that loss, a small business can provide a group coverage health reimbursement arrangement.
With a group coverage HRA, a business can offer employees a monthly allowance of tax-free money along with the group policy. Employees can choose and pay for health care as well as business reimburses them up to their allowance amount.
The aforementioned are the top 3 health insurance options in 2020. So, what are you choosing for your employees?
Maternity Insurance Coverage: For any woman, maternity is one of the best phases of her life. Bringing a new life to the world is both amazing and crucial. While most pregnant women thoroughly know all the do’s and don’ts during this time, not many think beyond. Here, we are talking about women-centric plans that provide ample financial benefits as well as maternity insurance policies.
Such plans contribute to various other benefits in the long run as well. It is important for every woman out there to have a clear understanding of this plan.
To make your task a little easier, stick till the end of this blog to grasp every fact about maternity insurance coverage!
What is Maternity Coverage?
Today, one can find a number of healthcare plans available in the market. One of which is the maternity coverage!
It is an essential health benefit that is supposed to be covered by every health insurance plan provided to individuals, families, and small groups.
In the year 2014, the health insurance for pregnancy, labor, delivery, and newborn baby care became mandatory under the Affordable Care Act.
Also Read: Medicare 101: Which Part Is Best For You?
What all Amendments are Made in Maternity Coverage?
As mentioned earlier, the maternity coverage was made compulsory in 2014. Before that, it was not a guaranteed benefit. According to ObamaCareFacts.com, only around 12 percent of plans sold in the individual market at that time.
Needless to say, very few health insurance plans offered maternity coverage or had to be added as a special rider to a plan.
In addition to this, pregnancy was then believed to be a pre-existing condition. That implies either women were not able to avail maternity coverage who were already pregnant when they enrolled or it cost more.
The year 2014 was marked as the first time in United States history where women were offered and guaranteed access to maternity coverage. Since that time, maternity coverage is truly befitting every woman who is or may become pregnant in the future.
What are the Services Covered for Expecting Mothers & Newborns?
Following maternity services are mainly covered by health plans:
- Outpatient services, such as prenatal and postnatal doctor visits, gestational diabetes screenings, lab studies, medications, etc.
- Inpatient services, such as hospitalization, physician fees, etc.
- Baby care for newborn
- Lactation counseling as well as breast pump rental
Also Read: How Much Life Insurance Do You Need?
What is the Right Time to Enroll in a Health Plan To Cover Maternity?
Well, one can always enroll in or decide to change to a different health plan during the Open Enrollment Period. And this period starts on November 15 every year for coverage starting in the next calendar year.
Also, there are certain eligibility criteria to avail this plan. Just becoming pregnant won’t make a woman qualified for maternity coverage. Keeping this in mind, one should always learn and ensure the eligibility criteria before enrolling in or changing health plans at any other time of year.
Also, the birth of a baby is considered a qualifying life event. The birth starts a 60-day special enrollment period and during this period, the woman along with her spouse, and children can enroll in and/or change health plans.
How to get Feasible Maternity Health Coverage?
By now you must have understood the importance of maternity coverage. Since it has become a mandatory benefit, one can find a list of providers in the market.
Discovering maternity coverage on the internet is the easiest way. All a pregnant woman needs to do is select any one of the many health insurance plans available to them.
It is just a matter of seconds to search what plans are available in one’s state. And it is also equally convenient to get a free personalized quote.
Once you find and decide the plans available in your area, pick the health insurance plans that you feel is the best fit for your requirements and budget. Plus, do not rush this process, take enough time to compare benefits, and analyze the details of every plan.
At last, when you are all set, you can check if you are qualified for a government subsidy to pay for your insurance as well as you can also apply for your chosen health plan.
In a nutshell, welcoming a new member is the most cherished moment in anyone’s life. With that being said, one should be financially ready and rely on the best maternity coverage.
We hope this blog helped you to understand maternity insurance coverage more broadly!
Also Read: 5 Health Insurance Plans You Must Know About
Medicare 101: Either you are close to the age of 65, deciding to buy Medicare or you are here just to acquire a clear understanding of Medicare. Both ways, this blog will definitely help you.
Knowing about Medicare and every part of it will help an individual to make the right pick. So, keep reading!
It is a well-known national health insurance program for the citizens and some permanent legal residents of America. In the present age, over 60 million U.S citizens are enrolled in Medicare.
There are certain basic eligibility criteria to qualify for Medicare. When a person turns 65, he or she can avail this plan depending on his or her employment record or that of his/her spouse.
In addition to this, people under the age of 65 who have qualifying disabilities are covered by Medicare, too.
Children with serious health issues who are about to turn 18, it’s vital to examine whether they should register for Medicare. According to the Affordable Care Act, people can cover their children under their own policy up to age 26.
At the same time, Medicare has also changed over the years. Today, it has a total of four parts. Some of them are compulsory, others are optional.
PART A: Hospital Insurance
This part of Medicare primarily covers the hospitalization expenses. When a person enrolls in Medicare, he/she automatically acquires Part A.
Following are some of the services mainly covered under part A:
- doctor visits
- Inpatient care in hospitals
- Skilled nursing facilities
- In-home hospice care
- Home healthcare services
- Inpatient care
This plan may seem straightforward; however, it is not.
For instance, Part A covers in-home hospice care but not a stay in a hospice facility. Besides, if a person is hospitalized, a deductible is applied, and if he/she stays for over 60 days, then he/she may have to pay Part A for each day. That implies, if you get admitted to a hospital numerous times in a year, then you will have to pay a deductible every time.
PART B: Doctors & Tests
This part provides coverage for a number of medical services such as:
- Doctor’s visits
- Medical equipment
- Outpatient care
- Outpatient procedures
- The purchase of blood
- Cardiac rehabilitation
- Cancer treatment.
A person who doesn’t have “creditable coverage” from any other source should enroll in Part B.
On the other hand, if a person doesn’t enroll and doesn’t have creditable coverage from any other source, then he or she will have to pay a hefty penalty.
The deductible for Part B coverage is $198. When a person pays the deductible, he or she will have to pay 20 percent of the Medicare-approved expense of the service.
PART C: Medicare Advantage
This plan is also termed as Medicare Advantage. It is another option for traditional Medicare coverage.
Part C coverage is a mixture of both Parts A and B. This coverage is administered by private insurance firms that usually collect Medicare payments from the federal government.
It completely depends on the plan if a person wants to pay an extra premium for Part C.
One doesn’t have to enroll in an advantage plan. However, for many individuals out there, Part C is a better deal than separately paying for Parts A, B, and D.
Read More: Best Medicare Advantage Plans
PART D: Prescription Drugs
Prescription drug coverage is also known as Part D. This coverage is administered by private insurance firms.
Part D is provided to people who have a prescription drug plan from any other source such as any Medicare Advantage plan.
It completely depends on the plan if a person is supposed to meet an annual deductible before his or her plan starts.
Medicare plans also have a coverage gap, i.e. a temporary limit on what the drug plan will actually cover. This gap is often termed as the doughnut hole. It kicks in after a person spends a certain amount in combined expenses.
In order to close the aforementioned gaps, you can enroll in some form of Medigap insurance or in a Medicare Advantage plan.
Keep in mind that Medigap only supplements Medicare. Never, consider it a stand-alone plan. Also, if your physician doesn’t accept Medicare, then Medigap insurance will also not provide any coverage.
Now that you learned all four parts of Medicare, we hope you will pick the right plan for yourself.
There is nothing better than having a medical plan in place. Healthcare programs like Medicare not just aids individuals but also saves them a lot of money. Unfortunately, not every doctor out there takes Medicare from patients. As a result, the patients have to pay hefty out-of-pocket costs. However, we are here with some effective options one can consider in such cases to avoid burning a hole in his or her pocket.
Today, most people have a single doctor and they might be visiting this doctor for more than 20 years. In this case, the doctor might know you inside and out. He or she will know what works best for you and whatnot, which is exactly the foremost reason you are still visiting him or her.
But it may really break one’s heart when they learn that his or her favorite doctor does not accept a Medicare plan. If you are also one of them, this blog is meant for you, my friend!
First thing first, one should have a clear picture of Medicare. So, it is a well-known healthcare program sponsored by the federal government.
Medicare provides medical insurance for all the citizens of America who are aged 65 and more.
In the year 1965, President Lyndon B. Johnson signed Medicare into law and in the following year, 19 million American citizens enrolled in it.
Today, the aforementioned number has increased to over 57 million, which is more than 18 percent of the United States population.
Also Check: 5 Reasons why Medicare is necessary
Solutions When Your Doctor Says No To Medicare
Due to the federal program’s low reimbursement rates, stringent rules, and grueling paperwork process, various doctors in America have started to refuse Medicare’s payment for services.
In the year 2000, about 80 percent of the Texas Medical Association’s doctors accepted new Medicare patients. But in the year 2012, that number was dipped down to less than 60 percent.
Medicare basically pays doctors a total of 80 percent of what private health insurance pays. A number of doctors feel that Medicare reimbursements have not kept pace with inflation in the past several years, particularly the expenses of running a medical practice. Needless to mention, the rules & regulations also get heavier, as do penalties for not complying with them.
So, here are some of the options you can consider if your doctor doesn’t accept Medicare:
- Stay Put & Pay The Difference
If your doctor is not taking Medicare, then it may be because he or she has not yet signed an agreement to accept assignment for all Medicare-covered services. However, he or she can still take an assignment for an individual patient.
In simpler words, doctors may take Medicare patients but not concur with the program’s reimbursement rates. Such doctors are normally termed as nonparticipating providers and they can charge about 15 percent over the official Medicare reimbursement amount.
- Request A Discount
In case your physician is an opt-out provider, then he or she may be ready to accept Medicare patients but at the same time, they also expect to be paid his or her full fees. So, in this case, you should request for a possible discount. Being your doctor for so many years, he or she is likely to give you a good discount.
Also Check: Best Medicare Advantage Plans For 2020
- Go To An Urgent Care Center
Urgent care centers are a well-known place where people go to fulfill their health care requirements. As per the American Association of Pediatrics, there are over 4,000 to 9,000 urgent care centers in the United States. So, if you have any minor illness you should avoid going to a doctor and consider one of these clinics.
- Ask Your Doctor For A Referral
If nothing works out and you just cannot afford your favorite doctor, then you should consider anyone else at the earliest. To make your task a little bit easier, ask your doctor to recommend some excellent doctor in your area who does take Medicare.
- Search Via Medicare’s Directory
Just because your doctor doesn’t accept Medicare, it doesn’t mean that no doctors in the U.S accept the same. You can find a number of doctors who accept Medicare.
Just invest some time and check in the Medicare’s Physician Compare directory. It will provide you a long list of doctors & healthcare providers around the United States.
We hope this blog helped you to know how to deal with your doctor who is stubbornly refusing to take Medicare.
This blog may hurt a lot of coffee lovers out there but as an old saying “Half knowledge is always dangerous”. So, keeping that in mind, let’s dive into and know some surprising facts about coffee that no one would tell you!
According to a recent study, coffee is an exceptional beverage that protects a person from both gallstones as well as pancreatitis. However, many experts are still unsure about the results of this research. For those of you who don’t know, this study was a review of research studies into coffee & digestion that was carried out by a total of six European coffee companies from the Institute for Scientific Information on Coffee.
Lately, the benefits of coffee have been a famous research topic. Carlo La Vecchia who is one of the professors in the clinical sciences and community health department at the University of Milan in Italy once argued that there are multiple pieces of evidence to prove coffee is protective against a number of gastrointestinal issues & diseases.
Coffee & Constipation
According to various reports, coffee drinking can eventually lead to a reduced possibility of chronic constipation.
Even many experts claimed that coffee can cause muscle contractions in one’s digestive tract that can further contribute to bowel movements.
Coffee promotes muscle movement in the colon that can promote peristalsis, which causes bowel movements.
In addition to this, coffee has also been claimed to raise levels of motility in the digestive tract that enhance both digestions as well as excretion.
But according to an expert, even if the caffeine present in coffee may increase intestinal contractions, coffee cannot be considered an ultimate solution for curing constipation.
All in all, neither constipation nor any other diseases, coffee is never the best treatment.
Also Check: 6 Major Side Effects of Oregano Oil
How Much Coffee Should You Consume?
Over 60 percent of citizens in the United States consume coffee on a daily basis. There is more to it! An average coffee drinker in the U.S consumes about 3 cups of coffee every day. But a study suggested that this is not bad at all!
Furthermore, the study claimed that a moderate caffeine intake of about 400 mg of caffeine per day can be enjoyed and included in a healthy balanced diet as well as an active lifestyle.
So, what do the experts say about it? They suggest that a person can consume up to 400 mg of caffeine per day and it is completely safe. With that being said, one should also remember that any more caffeine than that can be equally hazardous for your health as well. It can affect a person in various ways such as sleep, attitude, overstimulation, and jitteriness.
What Are The Benefits of Coffee?
As mentioned earlier, coffee does have a number of health-promoting ingredients such as polyphenols chlorogenic acid as well as caffeic acid. Talking about the polyphenol content of coffee, it is about 2.5 times the amount in tea.
Polyphenols have an extremely wide range of varange of health-promoting effects and most of these are dependent on the metabolism of these large molecules by gut microbes in the colon. It is also worth noting that there have not been any controlled studies that examined these factors in humans.
If a person consumes coffee for health benefits as well as to increase the consumption of chlorogenic acid, then he or she should drink a total of 4 cups per day. Also, it can be part of a healthy diet, but at the same time, there is no harm to avoid it, too.
On the other hand, a person can acquire the very same benefits from green tea that provides caffeic acid as well as the polyphenol catechin.
Certain studies even claim that coffee consumption supports good bacteria in the gut. But again, this is not yet completely proved! Although the coffee benefits on the digestive system are indefinite, there are known benefits in other body parts.
Lately, there has been a significant amount of evidence that moderate consumption of coffee offers a positive impact on cardiovascular health, that too with a cut down the risk of heart attacks, heart failure, and stroke.
So, the cons of coffee weigh more than its pros. So, if you are really into coffee and can’t stand without it, you can consider switching to decaf coffee. Especially, people with anxiety and sleep problems can acquire various benefits with this switch.
So, that was all about it! We hope this blog helped you to learn both the advantages and disadvantages of coffee.
When it comes to healthcare expenses, we all panic a little! A citizen of America spends a large chunk of money on healthcare every year. There are a number of expenses included in health and wellness that includes high insurance premiums and deductibles, copays, and various other out-of-pocket costs.
One of the foremost reasons for rising healthcare expenses is government policy. With the establishment of government healthcare programs such as Medicare and Medicaid that are basically designed to aid people with no health insurance, providers have ended up increasing the prices. But this is not the only reason behind increasing healthcare expenses- there is more to it!
So, let’s dig deeper and know how much cost the United States spends on health expenses as well as what are the factors that shape prices in this industry.
Overall Expenses of Healthcare
Over the past several years, healthcare expenses have drastically spiked up in the United States. According to a recent study conducted by the JAMA, the total healthcare spending in the United States increased more than a trillion dollars between the years 1996 and 2015.
Furthermore, the study also reported that healthcare costs in the United States during the year 2017 was $3.5 trillion, or $11,000 per individual. And by the year 2027, all these expenses are also predicted to rise up to $6 trillion that is roughly $17,000 per individual.
This is when a question arises, where does all this money go? According to research, healthcare spending can be divided into a total of 11 categories:
- Hospital care (32.7%)
- Physician services (15.6%)
- Other personal health care costs (15.1%)
- Prescription drugs (9.5%)
- The net cost of health insurance (6.6%)
- Nursing care facilities (4.8%)
- Investment spending (4.8%)
- Clinical services (4.3%)
- Home healthcare (2.8%)
- Government public health activities (2.5%)
- Government administration (1.3%)
Why Are Healthcare Expenses Spiking Up?
As mentioned earlier, the JAMA study examined how five key factors are affecting the rising healthcare cost over time. The 5 key factors are as follows:
- Population growth
- Population aging
- Disease prevalence or incidence
- Medical service utilization
- Service price and intensity
The researchers found and further stated that service price as well as intensity, including the rising expense of pharmaceutical drugs, made up over 50 percent of a spike up. There are several other factors that affect the rest of the expenses, which are varied by type of care as well as the health condition.
Inefficiency & Lack of Transparency
This is a serious factor! Due to a lack of transparency as well as underlying inefficiency, it is really challenging to determine & understand the exact expense of healthcare.
Every other citizen of the United States is well-versed about the rising expense of, but due to insufficient details as well as complicated medical bills, it is not an easy task to analyze what a person is actually paying for.
The Wall Street Journal recently reported about a hospital that found it was demanding more than $50,000 for a knee-replacement surgery, which normally costs only between $7,300 and $10,550. In this case, if hospitals are unaware of the actual cost of a particular procedure, then patients are the ones who face difficulty shopping around.
And talking about the overall transparency, a survey conducted by NEJM stated that only about 17 percent of care professionals think that their institutions had either “mature” or “very mature” transparency.
Also Check: 5 Health Insurance Plans You Must Know About
Patients Avoiding Care
This is yet another reason for increasing expenses that is all those people who intentionally skip medical care completely. And the reason they do that way is not that they have a fear for doctors, but because they are afraid of the hefty bills that are coming along with healthcare.
A poll that was carried out by the West Health Institute and NORC at the University of Chicago concluded that 44 percent of American citizens refused to visit a doctor due to the expense concerns. And about 40 percent of the respondents revealed that they skipped numerous tests or treatments for the exact same reason. And in several cases, people who refuse the treatment have medical insurance.
So, all the aforementioned factors contribute to increasing healthcare expenses. Rising expenses for medical services affected by both a growing as well as the aging population also play a vital role.
And so do various other factors including the increasing headcounts of chronic disease, rising expenses for outpatient & emergency room care, high premiums & out-of-pocket expenses. All these aspects are intensified by inefficiency as well as a lack of transparency in the world of medicine.
If you often get confused between Medicare and Medicaid, then this blog will surely help you to understand both the terms easily. Keep reading!!
Medicare and Medicaid are two different national health insurance programs sponsored by the government of the United States. Both programs are particularly designed to cover healthcare expenses for an American citizen. Established in the year 1965 and funded by taxpayers, both Medicare and Medicaid sound somewhat similar and this normally triggers confusion. Most people don’t know how both programs work and what is the coverage provided by them.
Let’s dig deeper and know more about Medicare and Medicaid!!
Difference Between Medicare And Medicaid-
The Medicare program provides healthcare coverage to every U.S. citizen. A person who is 65 years of age or older and people with certain disabilities are eligible to acquire this medical program. It is a four-part program that consists of the following:
Part A: Hospitalization Coverage-
Medicare Part A offers hospitalization coverage to a person who is 65 years or older, regardless of the total income.
In order to qualify for this program, a person or his or her spouse should have worked and paid Medicare taxes for a minimum of 10 years.
The majority of the people do not pay a premium for Part A, however, deductibles, as well as coinsurance, applied.
Part B: Medical Insurance-
People who qualify for Medicare Part A also become eligible for Part B. Part B includes medically essential services as well as equipment including doctor’s office visits, lab work, x-rays, wheelchairs, walkers, and outpatient surgeries.
In addition to this, various preventive services including disease screenings and flu shots are also offered.
For the year 2020, the standard premium of Part B is $144.60, which is usually deducted from Social Security or Railroad Retirement payments. Both Deductibles, as well as coinsurance, are also applied. People who earn over $87,000 in a year and couples who earn $174,000 are made to pay more in this program.
No individual is mandated to sign up for a Part B plan if he or she is covered by his or her employer’s insurance. But then it can cost more to join this plan later in life as it may include a late-enrollment penalty afterward.
Part C: Supplement Insurance-
A person who is eligible for both Medicare Part A and Part B is likely to be eligible for Part C as well, which is known as Medicare Advantage. These plans are generally provided by private companies, which are approved by Medicare.
Part C provides coverage provided under both Parts A and B. A person can avail vision, hearing, and dental coverage with Plan C. In simpler words, it works somewhat like the health maintenance organizations (HMOs) and preferred provider organizations (PPOs) that help working people to acquire medical services during their service period.
Enrolling in Part C cuts down the total expenses of buying services. One should wisely analyze his or her medical requirements before choosing this plan.
Part D: Prescription Drug Coverage-
Medicare Part D offers people with prescription drug coverage. An individual pays for this plan out-of-pocket as well as he or she should pay premiums on a monthly basis, deductibles on a yearly basis, and copayments for various prescriptions.
People who are enrolled in Medicare Part C are ultimately eligible for this plan as well.
Also Check: 5 Reasons Why Medicare Is Necessary
Medicaid healthcare program is a joint federal & state program. It allows low-income American citizens of every age to pay for the expenses related to medical as well as long-term custodial care.
Children who require low-cost care but their families earn a decent income to be eligible for Medicaid, are covered through the Children’s Health Insurance Program (CHIP). CHIP has its own set of rules & requirements.
The advantages of Medicaid differ from state to state. However, the Federal government mandates it for numerous services, such as:
- Laboratory services
- Doctor services
- Family planning
- Nursing services
- Nursing facility services
- Home healthcare for people eligible for nursing facility services
- Clinic treatment
- Pediatric & family nurse practitioner services
- Midwife services
In addition to this, every state also has an option to include various extra benefits, including:
- prescription drug coverage
- optometrist services
- medical transportation
- physical therapy
- prosthetic devices
- dental services
Often, Medicaid is also utilized to fund long-term care that is not covered by Medicare as well as by most of the private health insurance policies.
Medicaid is believed to be the biggest single source of long-term care funding in America. It also covers the expenses associated with nursing facilities for people who spend their whole savings to meet healthcare costs and are left with no other option to pay for nursing care.
So, that was all about Medicare and Medicaid. We hope this blog helped you to get a clear picture of the difference between both healthcare programs.