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Health Tips

Important Basic Legal Documents That Adults of Any Age Should Sign

Every adult should execute basic legal estate planning documents, including a Last Will and Testament, Power of Attorney and Health Care Proxy.
The need for these basic legal documents is even more compelling when you have a child with disabilities. Failing to properly plan could result in your child losing his/her government benefits, including Medicaid and SSI.
A Last Will and Testament is a document expressing your wishes as to how you want your estate distributed at the time of your death. A Will also allows you to designate a guardian to raise your children. Finally, a Will can designate that any assets to be distributed to your children be held in a Trust.
For parents with children, there are two important types of Trusts to consider for your Last Will and Testament.
For a child who is not expected to require any government benefits, you can leave his/her share in a special asset management trust for minors.
This Trust for minors can be used to pay for the support and education of your child (or grandchild) until he/she reaches a designated age (for example, to age 25). Once he/she reaches the designated age, he/she would then receive the balance outright.
For a child (or grandchild) who is expected to require government benefits such as Medicaid, his/her share can be left in a Supplemental Needs Trust.
As long as the Supplemental Needs Trust complies with the strict legal requirements, assets from the Trust can be used to provide for the well-being of your child with disabilities without disqualifying him/her from receiving government benefits. You would then name a remainder beneficiary to receive any balance left in this Trust after the death of your child.
A Power of Attorney is an important legal document where you give a person the legal authority to handle your finances on your behalf. If you become incapacitated in the future and have not signed a Power of Attorney, then a Guardianship proceeding in Court might become necessary.
When you have children, a Power of Attorney can be critical to allow someone to access your finances to be able to pay for your minor children’s needs.
A Health Care Proxy designates someone to make medical decisions on your behalf in the event you become incapacitated. If properly drafted, the Proxy should include the authority to carry out your wishes regarding the removal of life support machines, feeding tubes and hydration. Also, the Proxy should permit the release of private medical information under HIPAA.…

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Department Of Health

Health Savings Accounts Should Be Available to All Americans

All Americans should have the right to save for current and future healthcare expenses with pre-tax dollars. Health Savings Accounts provide some Americans with precisely that opportunity, but it is too limited in its scope to benefit the majority of the US. I love the concept of Health Savings Accounts (HSA), if you’re not familiar with them they are savings accounts in which money can be put away for future medical expenses on a pre-tax basis. In order to be eligible for an HSA you must be covered under a qualifying high deductible health insurance plan (HDHP). These are health insurance policies that typically cost less because they require their holders pay a high deductible (typically greater than $1000 annually). Unfortunately, the eligibility requirement to participate in a health savings account precludes the majority of the population from receiving a privilege that should be as basic as saving for one’s own retirement.
In a recent response from my Congressman, he suggested I consider using a sister product, the Flexible Spending Account (FSA). Although beneficial, the benefits of an FSA fall short of the benefits in an HSA; primarily because the balance of unused money in an FSA expires annually where an HSA rolls over from year to year. This is a monumental difference. With an HSA I have a means to cover current and future medical expenses which can accumulate to a retirement vehicle which becomes available for any purpose at age 65.  The rollover benefit becomes an even greater benefit when you consider the funds in Health Savings Account are eligible to pay the premiums on Cobra. Contributing to an HSA provides financial resources to use should one lose their job. Americans can use their HSA to pay the necessary 102% of their health premiums through COBRA or they may roll the money into a less expensive high deductible health plan (HDHP) with the resources to meet the high deductible.
Let’s look at a couple of case studies.
Dick and Jane
Dick and Jane are engaged. Jane has been submitting $2600 into and HSA for the past five years. During that time she has only consumed $1600 in health care costs that means Jane has been able to build up a health nest egg of $11,400. After they are married Dick begins carrying Jane as a dependent on his health care plan which does not qualify as a high deductible health care plan. Under current laws, Jane would be forced to discontinue contributing to her HSA, but it if all Americans were eligible for this savings incentive she wouldn’t have that problem. Instead they could increase their contribution $5,150. After a year, Dick may lose his job, but the family has been able to save $16,550. Their healthcare nest egg provides Dick and Jane with additional options. They may select to continue their current coverage through COBRA or they can select an alternate health care option. If COBRA were to cost $400 a month they can utilize their HSA funds. With these funds they would have the means of paying for coverage for 41 months. They could also choose to purchase independent health coverage. Their $16,550 nest egg minimizes their risk on a high deductible healthcare plan. They could conceivable absorb a $10,000 deductible and reduce their monthly payment to about $200, or half the cost of their cobra payment.
Scott and Laura
In the scenario of Scott and Laura, Scott is a severe asthmatic. His condition leads to a hospital stay about once a year costing about $3000. He must also have continuing medication at a monthly cost of $112. Scott and Laura are both on her employer’s group health plan. They pay $112/month with a $500 deductible and a 20% coinsurance. Their annual healthcare responsibility is approximately $2610 with insurance or approximately $4340 without insurance. Their insurance saves them approximately $1700 annually from paying full price on their medical care. Their FSA saves them about 20% (their tax bracket) on their prescription charges. Because Scott and Laura will lose the money in the FSA if they don’t spend it by the end of the year, they only save the cost of Scott’s prescriptions. Now, if Laura loses her job their healthcare future becomes much less secure because Laura’s plan was not HSA eligible, they do not any residual savings from their health care expenses nor were they granted guaranteed tax savings from their medical expenses. If they keep the medical insurance they clearly need through COBRA they now need to pay $400/month. These annual premiums total $4000 alone meaning that Scott and Laura only save about $340 a year by having health insurance. This does not include the cost of any of the co pays. Keeping the insurance could increase their medical expenses to about $6000 a …

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Fitness

Dog Health Tips You Should Know

You want the healthiest dog possible, so when you choose the puppy that you will take home, find the healthiest looking one possible. The one that is playful, bright-eyed and outgoing. This will be one of the first ways to ensure that when your puppy grows up, it will be a healthy dog. Of course, you have to help along the way.
Vaccinations
Make sure you take the puppy for their vaccinations. This is extremely important because dogs can get diseases that will kill them just like people. The parvovirus is one and it is very contagious. Distemper and rabies are a couple more. Your dog should have the vaccinations for these diseases and keep up to date on boosters they may need.
Food and Water
Always make sure your dog has a good supply of fresh drinking water. Dogs will often make a mess of their water. If they are outside they will throw dirt in it by digging, they will turn it over and generally make a mess. So, you will have to check on this often.
The food you feed your dog will be another way of keeping him healthy. This needs to be a good quality with the right vitamins and minerals for your dog. Your veterinarian can tell you what your dog needs better than anyone else. They will know if they have special needs when they examine them. Read the labels on dog food and avoid the ingredients that are not conducive to good health.
Your dog’s dental health may be a concern as well. There are some veterinary dentists that recommend brushing your dog’s teeth daily. They can develop plaque and tartar on their teeth just as people can and this needs to be addressed. There are some products on the market that are made to help remove this from your dog’s teeth and you should ask your vet about this.
Good grooming is one way to keep your pet healthy. Some breeds have more complicated needs when it comes to keeping their ears cleaned and free of hair. They can often develop an ear infection if this is not done properly. Likewise for the toenails; they need to be trimmed as well. They can grow too long and cause walking problems for your puppy or dog.
Just as all of the things mentioned above are ways of keeping your puppy or dog healthy, exercise is another. Your dog will need to get plenty of exercise on a daily basis in order to keep them from becoming overweight. When they gain too much weight they can suffer from many health problems just as people do. Research shows approximately 40% of the dogs in the U.S. today are overweight.
A healthy dog can live for many years and this is what you have in mind when you purchase that cute little puppy. You want him to be a part of your family for a long time. The best way to ensure that he is around as your friend and companion for as long as possible is to provide the essential needs so that he can be as healthy as possible.…

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Fitness

Dog Health Tips You Should Know

You want the healthiest dog possible, so when you choose the puppy that you will take home, find the healthiest looking one possible. The one that is playful, bright-eyed and outgoing. This will be one of the first ways to ensure that when your puppy grows up, it will be a healthy dog. Of course, you have to help along the way.
Vaccinations
Make sure you take the puppy for their vaccinations. This is extremely important because dogs can get diseases that will kill them just like people. The parvovirus is one and it is very contagious. Distemper and rabies are a couple more. Your dog should have the vaccinations for these diseases and keep up to date on boosters they may need.
Food and Water
Always make sure your dog has a good supply of fresh drinking water. Dogs will often make a mess of their water. If they are outside they will throw dirt in it by digging, they will turn it over and generally make a mess. So, you will have to check on this often.
The food you feed your dog will be another way of keeping him healthy. This needs to be a good quality with the right vitamins and minerals for your dog. Your veterinarian can tell you what your dog needs better than anyone else. They will know if they have special needs when they examine them. Read the labels on dog food and avoid the ingredients that are not conducive to good health.
Your dog’s dental health may be a concern as well. There are some veterinary dentists that recommend brushing your dog’s teeth daily. They can develop plaque and tartar on their teeth just as people can and this needs to be addressed. There are some products on the market that are made to help remove this from your dog’s teeth and you should ask your vet about this.
Good grooming is one way to keep your pet healthy. Some breeds have more complicated needs when it comes to keeping their ears cleaned and free of hair. They can often develop an ear infection if this is not done properly. Likewise for the toenails; they need to be trimmed as well. They can grow too long and cause walking problems for your puppy or dog.
Just as all of the things mentioned above are ways of keeping your puppy or dog healthy, exercise is another. Your dog will need to get plenty of exercise on a daily basis in order to keep them from becoming overweight. When they gain too much weight they can suffer from many health problems just as people do. Research shows approximately 40% of the dogs in the U.S. today are overweight.
A healthy dog can live for many years and this is what you have in mind when you purchase that cute little puppy. You want him to be a part of your family for a long time. The best way to ensure that he is around as your friend and companion for as long as possible is to provide the essential needs so that he can be as healthy as possible.…

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Health Food

Why Health Care Practices Should Consider Outsourcing Their Newsletter Marketing Programs

In an ideal world, health care practices would have the time, expertise and resources to create their own newsletter marketing programs. Unfortunately, the reality is quite often the opposite.
The reputation of your health care practice is as important as the health of your patients. And just as you wouldn’t advise your patients to compromise their health by self-medicating, I wouldn’t advise you to compromise your reputation by skimping on the quality of your newsletter. The same way that you would advise your patients to see an expert (you!) about whatever is bothering them, I would advise you to work with an expert on newsletter marketing as well.
Outsourcing your medical, dental or physical therapy newsletter benefits you and your practice in the following ways:
It saves time. Creating a professional newsletter takes time-something that you, as a health care practitioner, don’t have in abundance. On top of that, patients and other health care professionals who receive your newsletter are information savvy. They can tell the difference between a hastily put together newsletter and one that you crafted to include information relevant to their concerns. If your aim is to connect with your readers, encourage them to refer patients to you or come to you in their time of need, a newsletter hastily put together will reflect badly on your health care practice.
Don’t let lack of time affect the quality of your healthcare newsletter. Not only will outsourcing save you time but your readers will love hearing from you because your newsletter articles will be informative and a pleasure to read. They will appreciate the fact that the information you provide is catered specifically to them. We have found that when newsletters are done well, recipients anticipate their arrival.
It gives you access to expertise you lack. When I say lack of expertise, I don’t mean your clinical knowledge. On that front, you are the expert. What I mean is a lack of copywriting expertise.
There’s no one better to educate, teach, and inform your patients and referral sources than you. But it’s quite possible that you don’t have the copywriting, design or marketing skills to do all of the above in words and terms your readers can easily understand.
Having someone whose expertise is to create newsletter content will ensure that your newsletter articles are optimized for your reader’s understanding and interest.
So unless your health care practice has a marketing department with specific experience with newsletter marketing, outsourcing to a newsletter service is your best option.
How to Outsource Your Newsletter Content
When outsourcing your newsletter, look for a company that has experience in your field of health care practice.
Once you find a few companies, research them well. Ask for client testimonials or referrals, and pay close attention to how they communicate. Are they professional? How rigorous are their writing, proofreading and fact-checking processes? Are they willing to go the extra mile?
When you find a newsletter marketing company you trust, you still need to read your entire newsletter. If a reader calls you about a newsletter article that piques his or her interest, be sure you are ready to respond.
Newsletters can be a powerful marketing tool for your medical, dental or physical therapy practice. After 28 years in the newsletter marketing business, I have seen their success firsthand. But I also know that your No. 1 concern is your patients, so my advice to health care practices interested in setting up a newsletter program is always, “Don’t go it alone.”…

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Whole Food Vitamins

What You Should Know About Going To The Chiropractor

When it comes to back pain and other issues, chiropractic care can be extremely beneficial. DO you want to know more about chiropractic care? If you are seeking information about how you can be helped, this article provides information so you will feel more comfortable making an appointment.

Medical doctors are more likely these day to work side by side with alternative practitioners. That is why it’s crucial that you find out whether your insurance covers chiropractic care, massage, acupuncture, and the like. These services can help boost your physician’s care.

There are a lot of good reasons to see a chiropractor. If your back or neck hurt, seeing a chiropractor is an excellent idea. Regular visits with a chiropractor can help reduce and prevent daily pains and aches in the back. A chiropractor will help align the spine and then help you keep your entire physical being properly aligned.

Don’t carry your wallet in your back pocket. Most men stick their wallet in the back pocket without realizing that it can impact your lower back. It will put pressure against the back in addition to internal organs in that area. Try keeping your wallet in the front pocket, instead.

Stay away from chiropractors that offer supplements and homeopathic products that are supposed to treat diseases. They are likely just trying to upsell you based on products they offer and cannot be trusted. Nutritionists and physicians are helpful for this advice.

Watch the way you’re carrying your purse. If carried improperly, it can lead to back, shoulder and neck pain. Do not carry it on your shoulder at all times. Also, do not carry extremely heavy purses. Try removing the items you don’t need with you all the time to lighten the load.

You can find a good chiropractor just about anywhere in the country. Chiropractic care is second when it comes to health-care professions. It is also what is growing the fastest. Today, more than 60,000 chiropractors exist in the US alone. Also, there are about 10,000 students practicing chiropractic care and they’re trying to become professionals.

Modern medicine offers you the convenience of finding good chiropractors easily. People throughout the world, including the United States, now seek chiropractic care. Chiropractors must have a lot of training in order to be certified. They are required to take four years of graduate level training, and they must have a thorough, working knowledge of the complete human anatomy. Make certain that the chiropractor you visit is properly trained and certified.

Don’t allow a chiropractor to do the neck snapping procedure on you. There are a couple of arteries threading through the neck vertebrae, and popping your neck can make them kink. This would normally be okay; however, if it is stretched and turned suddenly, the artery linings can be torn. You can form a clot and have a stroke.

Now that you are a bit more familiar with the concept, are you prepared to make an appointment? Perhaps you used to be hesitant but can now comfortably make your appointment with the advice given. Be preapred to have a positive experience that will give you more energy and mobility.…

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Health Policy

What Everyone Should Know About Cosmetic Surgery

Do you want to alter some part of your body? Are you thinking about plastic surgery? If so, find solace in the fact that there are many like you. The popularity of cosmetic surgery is increasing due to the impressive results that are being seen. Keep reading to educate yourself on what benefits plastic surgery might have for you.

When you are asking your surgeon about the procedure you are having done, you should not fail to ask for specific credentials. Find out which university he attended, what year he finished, and how many surgeries he has performed. You need to also ask for pictures of other patients who he has performed the procedure on.

Do your homework so you can find out if your surgeon has a rule about doing revisions. It is not uncommon for surgeons to make errors in procedures, which result in costly corrective surgery to fix. Ask your surgeon if he provides corrective surgeries that are free of cost.

While you don’t want to compromise final results by economizing your cosmetic surgery, there are legitimate ways to reduce the costs involved. You can get excellent plastic surgery work done outside of America for a fraction of the cost. This may not be an option, but you should at least consider it.

Plant to make a visit to the location where your surgery will take place. If you’re having an outpatient procedure in your regular doctor’s clinic, ask him if he can show you the operating areas. Your comfort level will increase if you have already visited the site of your cosmetic procedure.

You need to realize there will be some pain and scarring with any cosmetic surgery procedure. Many individuals remain unaware of these two things until they have completed their procedure. It is important that you are mentally prepared for the intense pain that comes with any surgical procedure.

Respect the surgeon’s decision. When a doctor is reluctant to perform a procedure, chances are there is a good reason. If you don’t agree, find another surgeon to give you a second opinion. Do whatever you feel is necessary to ensure your own safety.

Higher self esteem is one of many benefits that plastic surgery offers. People who have been disfigured by burns or accidents can benefit greatly from cosmetic surgery. Someone who has had a lot of damage caused by burns may feel self-conscious, which can have a negative impact on the way they feel about themselves and affect how they function in life, too.

When considering cosmetic surgery, it is crucial that you ask questions about your recovery time, and any post-op care that you will need. Depending on the procedure, you may need a good amount of time before you can go back to work and resume your regular activities. Be aware of the length of your recovery ahead of time to avoid hurting yourself.

Self-improvement has long been held to be an admirable quality, and today many people find that a little surgical assistance can make a huge difference. It can offer many amazing changes and boost your confidence. Find out all of your options to ensure you are making a correct choice about changing your look.…