Importance Of Medical Tests Before Buying Medical Insurance

A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

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Aba Therapy Works To Lessen Autism Symptoms

Whenever a child is diagnosed with autism spectrum disorder, it is absolutely heartbreaking for parents. Because parents often hear phrases such as no cure and learning disability, it can be frightening. Many parents also believe that children with autism disorders are unable to love or to show emotion. The truth, however, is that these are incredibly loving and intelligent children who simply learn and interact differently than their peers. That is where ABA, or Applied Behavior Analysis, therapy comes into play. ABA can be incredibly helpful at lessening the symptoms of autism.

While it is true that there is not a cure for autism, ABA therapy can help children learn to interact with their parents, educators, and peers. It can also help them learn how to learn concepts and ideas in the same way as their peers so that they can learn to function in a traditional classroom setting. The therapy is very specific, but it also has decades of experience and research that show it to be the most effective means of treating autism symptoms and helping children with these disorders to learn to interact and live in a similar way to their peers. Many people who undergo early intervention with ABA therapy go on to live normal lives and have successful relationships and careers as adults.

ABA therapy is incredible beneficial because it helps to break emotions, actions, and concepts into very basic steps or lessons. These steps are taught using prompts that are gradually reduced until a behavior or answer can be mimicked. While this may seem like simple memorization, studies show that it actually helps to rewire pathways in the brain that are responsible for learning and for making inferences from the things that are observed in the world around us. Simply put, ABA is incredibly effective.

Autism may not have a cure, but symptom reduction can be incredible. ABA therapy can often help to relieve a large percentage of the symptoms of autism, especially when introduced at a very early age. Many children are diagnosed with autism whenever they start to show delays in speech and communication. When ABA therapy is started this early, it is most effective, though studies show that it can be effective at any time. Reducing symptoms may be the best option parents have until a cure is found, but with ABA therapy, it is incredibly effective.

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Guidelines For Sports Massage Therapy In Beaverton

Sports massage therapy is offered by professional therapeutic massage spas along with reflexology massage therapy, Swedish massage therapy, deep tissue massage therapy and even pregnancy massage therapy. Like pregnancy massage therapy, however, sports massage therapy also has its own guidelines and contraindications. If you are a resident of Washington County, Clackamas, Keizer, Lake Oswego, Portland, Tualatin, Sherwood or Vancouver WA, make sure you take note of all these guidelines before availing of sports massage therapy at your therapeutic massage spa in Beaverton.

Sports massage therapy should be avoided by people with thrombosis or a blood clot in the vein, implanted artificial blood vessels, hemophilia and tumors because it can cause life threatening complications. Sports massage therapy can also spread bacterial, viral or fungal infections of the skin and soft tissue; and can worsen broken bones; contusions; burns of chilblains; periostitis, or the inflammation of sheath around the bone; gout; rheumatoid arthritis; and bursitis.

People with open wounds, lacerations, muscle ruptures, tendon ruptures, cuts and grazes have to wait until they are completely healed from these conditions before undergoing sports massage therapy.

To be safe, anyone should undergo medical examination and clearance before going for sports massage therapy. After all, only a doctor can correctly identify the existence of some of these conditions in a patient. There are many cases where a patient is totally clueless about having diseases that have not yet shown any symptoms.

It is important to know the guidelines and contraindications of sports massage therapy before availing of it from the same therapeutic massage spas that also provide reflexology massage therapy, Swedish massage therapy, deep tissue massage therapy and pregnancy massage therapy in Beaverton, Washington County, Clackamas, Keizer, Lake Oswego, Portland, Tualatin, Sherwood or Vancouver WA. It is also very important to ensure that only a highly trained and qualified professional massage therapist gives the sports massage therapy.

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Shockwave Therapy (and Other Medical Ultrasound Applications) The Invisible Miracle Cure!

Ultrasound and Medicine

Medical ultrasonography is an extremely versatile variety of imaging technology. It has become a medical institution. Using obstetric sonography to see developing fetuses has become a rite of passage for many families. Medical ultrasonography is primarily used in diagnosing diseases, since it helps researchers get a closer look at the inner organs and muscles of patients. There may be other medical applications for ultrasound, which researchers are currently investigating. Ultrasound may be able to directly address medical problems, as opposed to simply providing new evidence for diagnoses.

Radial Shockwave Therapy

Radial shockwave therapy involves applying ultrasound acoustic pressure waves directly to tissues, which may help trigger the bodys biological healing mechanism and improve the rate and extent of tissue repair. There are certain conditions that would be more appropriate for radial shockwave therapy than others. Radial shockwave therapy is increasingly being used to treat conditions characterized by inflammation and pain, such as osteoarthritis, tennis elbow, bursitis, stress fractures, tendonitis, plantar fasciitis, calcific rotator cuff, and anterior tibial syndrome. As such, it has numerous applications for sports medicine, where such conditions are relatively common. Elderly people or those with chronic conditions could also benefit from radial shockwave therapy. Pain patients may find pain relief in an unexpected place.

The treatments themselves will involve fairly brief sessions involving high pressure. For some people, these sessions may be uncomfortable, albeit not usually painful. People should usually take it easy for up to two days after their treatments, and they may be slightly discomforted afterwards. The treatment will have benefits that last, although they may not be immediately visible until months later. Having the right expectations for radial shockwave therapy will make the experience better for the patients and practitioners.

Complications

In certain cases, patients may have conditions that make radial shockwave therapy inadvisable in combination with them. It is certainly not appropriate for people in sensitive populations, such as pregnant women and people under the age of eighteen. Anyone who is suffering from cancer or related conditions, certain coagulation problems or heart diseases, certain complications from diabetes, or taking certain medications should not engage in radial shockwave therapy. In some cases, the problem area may be too inflamed, or in an inconvenient location with sensitive nerves and blood vessels. Technicians should be made aware of their patients medical history, and will most likely go through the list of appropriate medical conditions at the right time.

Within two weeks, the side effects should be gone, particularly if patients take it easy for two days following their sessions. The long-term benefits of radial shockwave therapy, combined with its minimal side effects, make it a viable option for many people.

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Are There Ethical Or Unethical Types Of Therapy

Judging about therapy in terms of its numerous varieties is a regular way to conceptualize the practice. When there are hard thoughts of depression or pressure, people are inclined to think about treatment. Others could call diverse ideas in the field of psychology to mind when considering the application of therapy to life’s commonly endured anxieties. The problem of how good or how bad a treatment is, would be taken up by the world of therapy as prospective standard.

With diverse forms of therapies, there are different kinds of positive intentions of the therapy and the therapists. The goals of quite a few therapists might be to practice for the cause of scientific contribution towards psychotherapy, where as others could intend towards pharmaceutical needs for the standardized cure of the sick, through formulaic assessment and medication. Despite the fact that these intentions are for the good in the long run, clients might feel left out due to unproductive results in immediate terms.

Nevertheless, a few types of therapy and the professionals who practice them are distinctly focused on the individual traits and potentials of their beneficiaries, looking past categorizations and stereotypes to help determine and uplift the person within. Being referred to as psychodynamic, these therapists and the varieties of therapy they practice vary from other categories, for their overall contemplation of peoples positive suffering and their situations.

Despite the fact that being unfamiliar with the good and bad of therapy, the approach towards cure ought to be with these factors in mind. In most of the cases, beneficiaries come across the positive results of therapy where as only in a very few one-off cases has there been bad therapy with utter carelessness or abuse of clients. A good or bad therapeutic experience depends to a great extent on the effort taken towards locating and taking services an efficient therapist who could aid the clients in harnessing their potential to the maximum by mingling with them. Although these factors constitute a few things to look out for when choosing a therapist, when a beneficiary feels good about their cure, they’ve likely found an answer that’s right for them.

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Massage and Massage Therapy You Dont Need an Excuse

years old and still going strong!

I am constantly being asked about the benefits of massage therapy and in particular, I’m asked about its effectiveness and relevance when compared to today’s cutting edge medical advances, given the fact that massage therapy is well over five thousand years old.

In response, my answer as always is to consider the fact that any therapy, cure, activity or hobby that can survive for that length of time, must deliver at least some benefits, otherwise it would go the way of every other flash in the pan fad or phase.

As a massage practitioner and recipient, I need no convincing whatsoever of the benefits of massage therapy, so if I’m asked, I’m happy to defer my own opinion in favour of that of a much higher authority on the subject, which is that of the medical community itself.

Thanks to the advances in medicine and in medical research, the five thousand year old massage therapy has now been subjected to every modern test and scrutiny, and as many of us expected, massage therapy has proven its value in spectacular style.

Massage therapy stands shoulder to shoulder with some of the most modern medical practices of our time, and as well as being a stand alone therapy in its own right, massage therapy complements beautifully, the modern advances in medicine.

To anybody who practices massage therapy, this will come as no surprise, and to be fair it’s only right and proper that any therapy linked to medicine, should be subjected to the highest scrutiny. That aside, what amazes me most is the fact that massage therapy is still considered either as purely an aid to accepted medical practice or that it is still the preserve of the affluent. It also amazes me that massage therapy is only considered as a result of a life changing event. Quite why something that is so beneficial to health and wellbeing isn’t an integral part of everyone’s life remains a mystery to me. Massage therapy need not cost the earth and the most basic massage is free and can be mastered by using the most incredible tools known to man your own hands!

Do me a favour and don’t wait for an accident, an ailment or a mid life crisis before you discover one of life’s most accessible, time proven and life enriching activities.

To your continued, outstanding health.

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HGH Therapy – Benefits of HGH Therapy

Is fear a factor in your reluctance to pursue human growth hormone treatment? Is it your aversion to injections that holds you back from getting professional assistance to help alleviate your undesirable, age related symptoms? Have you looked into HGH supplements online or in the backs of magazines? When only the best in HGH therapy will do, go to the source: BodyLifeMD.

As we are well aware, no two people are alike and, therefore, no two people may reap the same benefits from human growth hormone supplements. Because of this, it is imperative that one should educate themselves prior to deciding upon utilizing human growth hormone supplements by speaking with one of our highly trained doctors. .

After consultation and evaluation, if one of our doctors believes that HGH therapy is believed to help decrease your age related issues, you will then be monitored in order for both the adverse effects and the positive effects to be recorded. This will enable the doctor to determine if HGH therapy is benefitting to your needs.

There are many advantages associated with human growth hormone therapy to increase HGH levels within the body. Elevated levels of HGH can increase lean muscle mass, improve libido, show improvement in bone density, escalate your level of energy and give you an all-around good feeling about yourself.

HGH Therapy by BodyLifeMD can bring back the vitality you once knew. If suffering from low energy levels, decreased libido, changes in mood, decreased muscle mass and lowered ambition have got you down, then HGH therapy should be your first consideration to get back to the life you once knew. While the positive changes can often be dramatic, they are carefully studied by HGH therapy physicians that specialize in human growth hormone administration and procedures. Getting started couldn’t be easier too. BodyLifeMD has locations throughout the US, in almost every major city. Your custom HGH therapy program is tailored to fit your needs and the needs of your body. So be aware of HGH therapy programs that are one-size-fits-all businesses.

If the severity of your age related symptoms are adversely affecting your way of life; keeping you from enjoying yourself to the fullest extent, maybe HGH therapy by BodyLifeMD can help provide answers to some of these problems.

Call us today for perhaps a better tomorrow. Author Info : Daniel Jeffers Write About Benefits of HGH Therapy in BodyLifeMD.com. HGH therapy is believed to help decrease your age related issues, you will then be monitored in order for both the adverse effects and the positive effects to be recorded.

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Medical School Admissions Process Decoded

Getting into medical school is exceedingly challenging. Well over forty thousand prospective applicants enter into the application cycle each year with less than fifty percent obtaining admission. Success calls for a lot more than scholastic and extracurricular expertise and experience. It takes finding out the actual requirements of the various admissions committees, having good recommendations, and authoring impressive essays which get their attention.

Although the specific application system doesn’t open up until June of the calendar year before matriculation, the actual medical school admissions process actually starts the very day you enter college or university. It does not matter if you are applying during your junior year of college or even a few years subsequent to graduating, the committees will start by evaluating your scholastic and extracurricular experience starting as far back as freshman year! Normally, high school situations don’t seem to be applicable except when there are extraordinary circumstances. This is particularly the case if you can show experience in the medical field during your high school years. If this is the case, then you would address it in your personal statement.

You should commence with the main application form the January prior to when you plan your matriculation. Yes, this is in fact 21 months before you actually start medical school! Plan to spend January to April scheduling, planning, and taking the Medical College Admissions Test, securing recommendations, and requesting transcripts from all schools which you have taken courses (you must include all grades for all courses). May and June are all about writing the actual American Medical College Application Service application, which is the primary application. The AMCAS includes a work/activities segment as well as the notorious personal statement. As soon as you’ve completed the AMCAS application form, July to September is devoted to secondary applications (otherwise called secondaries). Secondary applications are a grueling aspect of the admissions process wherein individual schools send their own application asking for between zero to ten supplemental essays on subjects covering anything from diversity towards the greatest error in judgement you’ve ever made (yes, that’s an actual question). Medical school admissions interviews take place from October through January. February is a time of limbo during which not much happens. While various medical school admission’s committees (particularly those which have a rolling admissions), will inform you regarding your acceptance, wait list, or rejection standing prior to the spring, you typically won’t hear something until about March or April. By May fifteenth, every applicant who has been given an acceptance offer from two or more schools will have to decide on specifically where he or she wishes to attend and withdraw applications from all other schools. The admissions process basically ends on the first day of school when you put on that white lab coat and officially become a Doctor.

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Emergency Medical Alert Systems – A Ready to Lend a Hand Technology

Emergency cannot be anticipated. These days with the advance in technology there are tools you that support you in such situations. Medical Alert Products are electronic devices worn by aged members to alert family, friends and doctor in case they face a severe health problem. They are habitually worn by the elderly members; however are also essential for people with serious conditions such as asthma, allergies, cardiovascular problems, fainting and several different health problems. The product comes in an array of designs and types. They may be tiny objects such as a button or even come in the form of a wristband, necklace, pendant and such.

Many of the higher end products may be made of gold or silver. The type differs from person to person depending on their disease or disability. There are far more useful products fitted with varying sensors and electronic communications mechanisms that can facilitate the customer to tap into the phone line and be in touch with a medical professional on the other end. From there they can be directed to an emergency helpline. These products contain medical history of the patient so that they can be diagnosed without wasting time.

The Emergency Medical Alert Systems are designed in a way that the signal can be reached by the base unit as far as 600 feet away. They are a 2 Way Voice waterproof device; so that the specialists can stay in touch with you 24/7. The device is planned in a way that it offers a full backup battery in the base station for up to 30+ hrs. The device is designed to allow the patient to stay connected via text message and e-mail alerts with loved ones.

The System arrives fully programmed and no installation is required. Experts with their years of experience designed this in-home alert device so that it calls your pre-programmed emergency number whenever required.

A comprehensive search can easily help you to get in touch with service providers proffering such devices. Compare the rates and features as offered by different service providers. You are however recommended to be sure about the method and the security maintained. It is important to confirm refund guarantee in case there is any problem with the device. Browse different sites and grab the best deal. You may choose to order the products online. Nevertheless, look at several systems before making a decision. Read through the contract cautiously and understand the cancellation process before placing the order.

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Physical Therapy Assistants and Aides

Employment opportunities for physical therapist, assistants and aides are numerous in today’s challenging job market. Medical and scientific research has created the need for many rehabilitation services. Our population is growing older at a rate that will require the support of many health care personnel. These are just a few of the reasons that make the choice to pursue a career as a physical therapy assistant or aide a good decision.

Assistants work directly under the supervision of a physical therapists. The majority of their work involves direct patient care. They work with patients to restore or improve mobility or assist patients with pain management issues. They may use techniques such as exercise, electrical stimulation, massage, hot and cold therapy, ultrasound or traction to achieve these results. Orthopedic procedures such as hip and knee replacements are becoming increasingly more common. Assistants will often provide rehabilitation services to these clients. Individuals involved in trauma-related accidents also require the services of physical therapy for recovery. Therapist sometimes rely on assistants to offer teaching related to exercises that can be performed at home or to deliver instructions on how to use crutches or rolling walkers. Physical therapist assistants are typically required to document and report patient responses to treatments and patient progress.

Most states in the United States require a assistant to hold an associate degree. In addition, some states require licensure. The American Physical Therapy Association reports that in 2009 there are currently 224 institutions supporting 237 accredited physical therapy assistant programs. There are also an additional 44 programs in development for this educational program. Completion of a state or national examination may be required for licensing as a physical therapy assistant as well.

Compensation and Duties

The average annual salary for assistant and aides according to Indeed.com is $65,000. The U.S. Department of Labor indicates that the median annual earnings of physical therapist assistants were $41,350 in 2006. Payscale.com reports, however, that the starting annual median salary for a physical therapist is $38,118. Many factors such as geography, company size, and type of employer can effect wage indicators.

Aides work under the supervision of a physical therapist or an assistant. Their job duties are varied. They essentially are responsible for ensuring that therapy sessions run smoothly. They may transfer patients to and from therapy sessions. They maintain the therapy area with supplies and keep things clean and organized. Aides may also perform clerical duties such as scheduling appointments, ordering supplies, and filling out insurance forms. They may assist patients with dressing or undressing. An aide may weigh patients. Aides are not licensed so they do not provide any type of physical therapy with patients.

Educational requirements for an aide are a high school diploma or GED. Many facilities provide on the job-training for this position. Previous experience as a certified nursing assistant or home health aide could be beneficial when searching for this type of job.

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