There Are More Than One Type of Hypertension

There are more than one type of hypertension. If you go to Mayo Clinic dot org you can find the definition and it says that there are a lot of different types. Primary Hypertension is also called Essential Hypertension for some reason. They do not know why you get it, but it could be a lot of things that cause it apparently. The stuff you eat , not getting enough exercise or just bad genes.Secondary hypertension (secondary high blood pressure) is high blood pressure that’s caused by another disease or medical condition. I think that I might have some of that as a result of my kidney problems, but it can come as a result of all sorts of other problems too. You could get it from being pregnant for example, which obviously is not a problem for me. Just about any type of disease might cause it I suppose, because any disease is likely to have some effect on the other systems in your body.

The body is a total system of course. (more…)

When Do You Need Medigap

Given how spotty Medicare coverage is for those retired over the age of 65 or for those who are disabled and receiving Medicare benefits, there are policies called Medigap coverage that help fill in the gaps left by Medicare. Medigap policies or Medicare Supplement Policies are standardized by the Center for Medicare and Medicaid Services, but sold and administered by private health care companies. Because those who have Medicare coverage are usually retired persons with fixed income, the cost of having to purchase and maintain a Medigap policy can be cost prohibitive. Prices for policies vary and depend on how extensive the list of services is signed up for. Depending on the assets held by the insured, some may qualify for financial assistance through Medicaid or other services, while some will not.

Medicare beneficiaries can fill in Medicare’s coverage gaps in a number of different ways, including

~Government Programs

~Group Retirement Policies

~Non-Standardized Individual Medigap Policies

~Standardized Individual Medigap Policies

Medicare beneficiaries who are also eligible for Medicaid do not need Medigap insurance since Medicaid will cover the cost of their health care expenses. People who do not qualify for Medicaid but are within 100% of the federal poverty level are eligible for coverage under a program known as the Qualified Medicare Beneficiary Program (QMB). QMB program benefits include:

~Payment of Medicare premiums.

~Payment of Medicare annual deductibles.

~Payment of Medicare coinsurance amounts.

Thus individuals who qualify for the QMB program generally also do not need, and should not pay for, Medigap coverage. Individuals who do not qualify for QMB because of excess income may qualify for the Specified Low-Income Medicare Beneficiary Program (SLMB) or Qualified Individual Program (QI). People who have incomes within 120% – 135% of the federal poverty level are eligible for SLMB or QI coverage. However, SLMB and QI only pay for the Medicare Part B monthly premium. Therefore, SLMB and QI individuals may still want to purchase Medigap insurance if they can afford to do so.

Some employers offer health insurance coverage to their retirees. Retirees who are covered by such group plans may not need to purchase an individual policy. While a retiree may choose to switch to an individual plan, this may not be a good choice because group retiree plans usually do not cost anything to the individual and the group coverage is often as good or better than most individual Medigap policies. Thus the individual should compare his company’s policy costs and coverage with the ten Medigap policies. The retiree should also consider the stability of his company. If it is conceivable that the company will falter, that his costs will rise, or that coverage will diminish, the individual may wish to purchase an independent policy. Remember, however, that if a new policy is purchased the old policy must be dropped.

Most Medicare beneficiaries are not eligible for Medicaid or QMB, however, and may want to obtain Medigap insurance. Approximately two-thirds purchase Medigap policies. As of July 31, 1992, Medigap policies were standardized throughout the United States. This mandatory standardization was a result of legislation passed by Congress through the Omnibus Budget Reconciliation Act of 1990. There are ten specific benefit plans which federal law permits to be sold as Medigap policies. Two new plans were added in 2006. States may allow all or some of these plans to be marketed. Insurance companies may sell all or some of the plans which the individual state allows them to market. However, there is a basic benefit package, known as the “core benefit” plan, which must be allowed in all states and which must be offered by any company which sells Medigap insurance.

Although individual Medigap policies have been standardized since 1992, some seniors are still covered by previously issued non-standardized plans. These policies are no longer available for purchase. However, individuals may continue to keep their old policies and many people have chosen to do so. Individuals covered by an old policy should consider changing to a new “standardized” plan, and should compare the benefits and costs of each of the policies. Then an informed decision can be made. An individual who purchases a new standardized policy can only have one Medigap policy and must therefore drop the old, non-standardized plan. This protects people from the unnecessary costs of duplicate coverage.

What actual Medicare coverage is can be confusing, and things are always subject to change. There are books given by the government as well as the Medigap policy issuer that help explain what is covered and what is not. There are also some great books published that work on behave of the insured and provide wonderful resources for advocacy when needed.

By: Empowering Information

Making A Nursing Home Feel Like Home

As people get older, it can become increasingly difficult to undertake personal care tasks and maintain a working home. Whilst many older people live happily and independently in their own homes, others choose to move into a nursing home because of ill health or limited mobility.

Nursing homes have the advantage of offering a sense of community as well as regular activities for residents to take part in. As a relative of someone who has moved into a nursing home, you may also be reassured to know that residential homes can also offer suitable health care and medical attention.

If a dependent relative – such as your mother, father or grandparents – is taken into a nursing home they will most likely want to take their belongings with them. The most recent survey from the Office for National Statistics reports that older women are more likely than men to live in nursing homes, since 23% of women over 85 were residents in care compared to 12% of men of the same age. These older women may enjoy decorating their room with a few prized possessions, to create a new home for themselves and feel more at ease.

Perhaps your relative would like some family photos to put on the wall, a small piece of furniture that has stayed in the family, or a few trinkets and decorative items. Just a few touches of individuality will bring any room in a nursing home to life, and make it feel like a home from home. You will understandably want to make your relative as comfortable as possible, and helping them take their treasured belongs with them is one way to do this.

You can also offer your dependant relative peace of mind by protecting their belongings financially too. Your home insurance may well cover any belongings that your dependent relative has with them in their nursing home, often up to a value of £2,500 for any one claim. Whilst accidental damage is covered, theft will only tend to be covered if there is evidence of a forcible or violent entry into the building.

So whilst a nursing home is able to care for your loved one, you are able to financially protect your loved one’s belonging. This peace of mind means that you and your relative can enjoy spending time together in their new home.

By: Josie Anderson

Dental Tourism Malaysia

Medical tourism is fast gaining momentum and acceptance from both patients and providers. More and more number of patients are traveling from all around the world to travel for medical Tourism procedures, may it be cosmetic / plastic surgery or heart and cardiac procedures, procedures for infertility or gynecology. One of the well known medical tourism procedures is dental procedure.

Dental tourism has brought a lot of medical travel tourists from all around the world to Malaysia. Malaysia has a lot to, offer to these tourists, It’s not just the cost of dental procedures but the quality of care provided, the ease and competency of medical professionals in the faculty dental procedures. Dental tourism Malaysia has patients from UK, Australia, Newzealand and as far as USA and other EU countries. International patients come through medical tourism facilitators like,wellness visit web pages and others. These patients get so impressed that they send more patients and this phenomena is the most reliable marketing strategy in medical and dental tourism in Malaysia. It proves the quality of health care provided.

Medical Tourism or Dental Tourism as part of medical tourism in Malaysia, offers a wide range of procedures covered. Starting form orthodontics, periodontics to dental cosmetic procedures. The average costs of these procedures in Malaysia is half of this in USA and USA, some times even less than that. The overall expenses of all this medical travel or medical tourism trip may still be less costly than what it will cost in European country of USA.

Medical Tourism at Wellness Visit offers Damansara Specialist hospital, which is a world class hospital with experienced doctors in the field of cardiac surgery, orthopedic surgery, cosmetic and plastic surgery.KPJ Damansara Specialist Hospital also has dental office of Dr Roslan Abdul Rahman who is experienced dental surgeon offering procedures related to orthodontica, periodontics, cosmetic dental surgery. Also at the dental clinic of Dr Roslan Abdul Rahman at Damansar Specialist Hospital patients can get dental braces, dental implants, dentures and other dental devices to get some cost effective and affordable dental packages. To contact for dental procedures in Malaysia please visit at wellness visit web page and fill the basic contact form, and Wellness Visit team will contact in 24 hours to send replies, quotes of the procedures, ways and means to make it possible to get affordable health care packages in Malaysia.

By: farra