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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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Guidelines For Medical Negligence Claims

In this modern age not everything goes flawlessly and unwanted accidents occur. If you are a victim of medical negligence case it is time you collect yourself and initiate the steps to file a pertinent claim that equals the suffering and distress caused by the fault of the other party. To understand better how to approach your claim you should know how to organize your case.

Usually medical malpractice or clinical negligence emerges out of the neglect of medical doctors or nurses who have failed to observe their duty to take care of the patient without any undesired complications. There are several types of negligence cases such as: failed surgery, administration of inappropriate medical pills to the patient, birth accidents that affect the mother and her new-born, anaesthesia errors or dental negligence.

If you want some professional guidance for a medical negligence claim you should always count on specialized solicitors. The medical negligence claims situations are anything but easy; so, it is extremely significant that the solicitor who deals with your situation possesses the required knowledge to help it with proficiency. The solicitor will tell you what to include in your claim in order to give you some well-deserved closure after a dreadful malpractice accident.

Unfortunately, before giving your case to court, you have to gather all the necessary evidence of the medical malpractice in order to file a claim. For example if you suffered a wrong anaesthesia which led to a partial paralysis of your body then the malpractice affair takes a turn to the worse. You lose part of your mobility, you suddenly find yourself with a semi-permanent disability not to mention your emotional handicap and suffering. In this case you must keep track of the treatment after the surgery consisting of the medical expenses, the prescriptions with pills and the specialized post-operative recovery therapy. Every detail must be included in your claim if you wish to obtain a settlement that can alleviate some of the disastrous consequences of a malpractice case.

In order to get the retribution you deserve you should be aware that there is a strict limit to build your claim; it has to be done in approximately thirteen weeks. Therefore, put the pieces of your claim together and make the needed complaints and even recur to the management of the hospital where you suffered the malpractice.

Medical negligence claims should be thus conceived as to include all your grievances and the awful repercussions that you have to bear as cause of the inattentiveness of a medical doctor who should have treated you in the good observance of his or her practice code. Consider as well that you may be left with damage that perhaps cannot be repaired and all due to a careless act. Do not think of the medical negligence claim as a very toilsome process as you can rely on savvy solicitors to regain your mobility, peace of mind and the feeling that justice was served!

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Laughter Therapy and Weight Loss

Are you facing any issues due to those extra calories in your body? Laughter therapy is a unique method that helps you lose a considerable amount of weight. According to laughter experts, if you give yourself a hearty laugh, you are able to keep away those extra pounds. This technique is known to deliver positive results and one should practice laughter yoga on a regular basis. Humor decreases considerable levels of stress in your life, and makes you feel in control while dealing with difficult issues.

How Does Laughter Therapy Work?

Laughter therapy not only uplifts your mood, but also helps the immune system to fight with various critical diseases. It increases the production of T-cells which further protect the body from getting sick. Laughter therapy makes you stronger physically, mentally as well as psychologically.

Laughter Therapy and Weight Loss

According to scientific researches, 15 minutes of laughter every day can burn up to 30-40 calories. The more force you put while laughing, the more calories you are able to lose. Laughter has immense ability to decrease the norepinephrin and cortisol levels that contribute to weight gain. It is one of the best aerobic exercises that can unwind the entire body, thereby decreasing the stress levels of hormones, which also cause weight gain.

If you wish to lose certain pounds, laughter therapy is one of the most natural solutions for you. Its results may not be instantaneous but if you follow the therapy regularly, you can find significant results in your body. Besides basic regular exercises for reducing calories, you can include laughter therapy as a powerful exercise of shedding extra weight. When you bring humor as a regular exercise, the goal that you set to lose weight will be easier and more enjoyable. Laughing for around 10 to 15 minutes each day can uplift your spirits to see life from an optimistic perspective. A tremendous slimming effect can be achieved if your mood is elevated during the laughter therapy.

Therefore, laugh for your own well-being. Even when you are not attending a laughter session, you can find ways to laugh with your friends, family members and so on. Laughter not only helps you lose good amount of calories but also gives you confidence to deal with life in a more positive way.

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Treating Insomnia With Music Therapy

What is insomnia? Insomnia is a condition where people have trouble falling asleep, staying asleep or having a restful night sleep. Often times people who suffer from insomnia will turn to sleeping pills to get relief. Sleeping pills is a bad idea, because it will just create more problems.

What is the problem with sleeping pills? Pills are a bad idea because most sleeping pills are addictive, and basically are just a mask to what the real problem is. It also causes problems when you interact with other medications or alcohol, which can be very serious or even deadly. People who are prescribed medication are usually supposed to be on them for a few days to a few weeks only, but because they can be addictive people tend to take them longer. Pills can also cause high blood pressure, dizziness, nausea, confusion. It also can cause bizarre behavior such as sleep walking, sleep binge eating and sleep driving, in which the person will not remember.

Why it is so important to get a good night sleep? Sleep is necessary to maintain good physical and mental health. Sleep helps you to restore your body and mind, to help with memory and learning, also to help you be in a better mood. When you are sleep deprived, your body is more prone to infections, diabetes, high blood pressure and heart disease. Also when you are sleep deprived it can effect your job performance, such as forgetfulness or making mistakes, which can cause you to lose your job. So it is very important to get a good 7-8 hours of sleep if you are an adult, and more than 8 hours if you are younger.

How do you treat insomnia with music therapy? Insomnia is usually caused by your attitude or behavior, if you can change your attitude or behavior this may change your sleep disorder. Your mind plays a big part of all this. That is how music therapy can help. Music therapy uses binaural beats to stimulate your brain to a high level of relaxation, like a meditated state, to help you fall asleep and stay asleep. Binaural beats is music set to certain frequencies to stimulate a certain part of your brain that allows you to get some sleep. When listening to music therapy, use headphones to get the best results. The music is soft relaxing music, that has sounds of nature like waterfalls, birds, the ocean ect. When buying music therapy cds or tapes make sure that it contains binaural beats, because they sell fake ones, that claim to do the same, but do not compare, so be aware. If you have any questions on music therapy or binaural beats see link bellow.

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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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Find the Right Medical help from Dr Buttar and His Experienced Team

For years Dr Buttar has been changing lives. This well-known physician is willing to go the extra mile for his patients and they appreciate the effort. When someone has a life threatening illness, they can turn to Dr Buttar and his clinic for the help they need.

Often people are at a loss as to what to do when they get a difficult diagnose. They are not sure where to turn. They want help and guidance but they aren’t sure where to find it. It is important to be proactive and find someone who offers information and help to walk through difficult times. This clinic is the answer for people from all walks of life. Many come from across the country or even the world to find the help they need. No one is ever disappointed when they have that first appointment with Dr Rashid Buttar. The clinic works with a variety of insurance companies and will make sure no one is ever turned away.

It is really impressive that Dr Buttar is well loved by his clients because he has built his practice around offering the latest techniques and help for people. One of his specialties is working with children who have autism. He uses a variety of methods to offer healing and help. He will never decline anyone who is looking for answers. If he doesn’t know the answer he will find someone who does.

One of the things he love to help people with is prevention. He knows that taking care of the body and being proactive can change the course of anyone’s life. He can help people change their life style and learn how to eat right. People with allergies and food problems will get that needed insight about how they can change in order to live a healthy life.

The Doctor is proud of his clinic and what they have to offer. It has taken many years to build this type of medical care and hopefully in the future many more people will be able to come to Dr Rashid Buttar and his clinic and have positive changes.

Anyone who wants to have the best medical care should take the time to check this out. People from all walks of lives come every day and find the help they have been seeking. They love the care and safe feeling they get once they enter the clinic. Just one phone call can get the ball rolling for anyone who needs help with a medical issue. No problem is too big or small for this caring Doctor and his clinic. Give it a try and see if it isn’t the right help for solving any medical problem that comes up. Remember, they care and are willing to go the extra mile to help.

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A Potential Replacement For Chronic Pain Medication Low Level Laser Therapy

People who suffer from daily symptoms of pain tire of taking chronic pain medication cocktails to alleviate their constant suffering. Yet, faced with the choice between feeling the pain and paying for expensive medications, most people reluctantly choose to spend the money for relief. There is however, good evidence to suggest that low level laser light therapy can replace a large portion of peoples dependence on medication.

The current environment in the medical field is one of tension. Doctors willing to go with the newest developments may quickly prescribe, or direct patients to laser therapy, while other traditional practitioners continue to resist these new ways of treating infirmity. Science is on the side of the new developments, and thousands of medical research tests stand to prove the effects of cold laser therapy.

Understandably, if a person had to visit a clinic several times a week to reap the same benefits that he or she could get by taking pills as part of his or her morning routine, it might not be an improvement to switch to laser treatment. The great benefit lies in the reality that laser therapy units can be purchased and used from the comfort of a persons own home.

An initial investment is costly, several thousand dollars at least, but the long-term savings compared to continued prescription medication costs is more so. Moreover, daily use of a light therapy instrument may cure or permanently alleviate the sources of pain in a persons body. Not every person will experience total healing, but the science behind the treatment indicates that many people will, to some degree heal.

Low level laser light therapy is better than chronic pain medications because it, unlike the pills, stimulates bodily tissues to heal and self-repair. In severe cases, people suffering from cancer have used laser treatment to stimulate bone marrow growth, which in turn improved health and vitality leading to some level of recovery and daily vitality. No one claims that this therapeutic treatment is a replacement for all medical advances, but it certainly is a beneficial new development with great promise for its future.

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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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Several Advantages Of Using A Medical Call Answering Service

Many medical professionals might be new to the idea of hiring a medical call answering service. Any medical doctor will tell you that their office is constantly bombarded by phone calls from patients after office hours. These phone calls are usually answered by an answering machine or from a voicemail service. This means that the patient has to deal with an automated service that can be difficult and frustrating to use. More importantly, their needs are put on hold until the office opens back up again. This can cause patients a lot of stress and anxiety. By hiring a medical call center, you can provide a higher level of healthcare for your patients than ever before.

There are tons of reasons why hiring a medical call answering service can better your practice. When you hire a company to take these types of calls, you are providing your patients with around the clock care that they will not be able to get anywhere else. Patients will have their calls taken by real people who are in most cases trained in the medical field and can provide them with the type of care they need. Patients will feel as if you truly have their health as a top priority, and this encourages the individual to trust you more as their physician.

Another advantage of hiring a medical call answering service is that you can cut back on wasted time. Many hours of the day in a medical practice are spent answering phone calls and messages left over the weekend or during the night. This will preoccupy your assistants and other staff, meaning you will not have their services at your disposal when you need help examining or treating a patient. You can save all of this time by having a call center deal with the individuals as they call so that your messages are not back logged.

As stated earlier, many of the individuals who are employed by medical call answering service companies are medically trained nurses and other types of professionals. This means that when your patients have questions regarding their health or the treatments they are on, these professionals can give them a medically sound answer without taxing your staff. Patients can also get the information they need any time of the day or night, providing quality care when your patients need it the most. These professionals are often put through HIPPA training to help prevent confidential patient information from being leaked during phone calls.

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Top Physical Therapy Programs

The top physical therapy programs in the nation offer an excellent core curriculum, a wide variety of specialized subject areas, experienced and knowledgeable faculty and a history of successful graduates. Masters and doctoral programs in physical therapy take students with bachelors-level training and give them the specialized skills to successfully practice in this field and make patients lives better. If youre looking for the top physical therapy programs in the United States, these ten schools should be at the top of your list:

1. University of Southern California: This respected University of California in Los Angeles, CA school offers various graduate specialties within the Department of Biokinesiology and Physical Therapy.

2. University of Pittsburgh: If youre willing to relocate to Pittsburgh, PA you will find some of the nations best faculty and brightest graduate students within the Department of Physical Therapy.

3. Washington University St. Louis: This reputable university is located in St. Louis, MO and offers an excellent graduate program in physical therapy.

4. University of Delaware: Travel to Newark, DE and you will find an array of specialized areas of graduate study within this schools Department of Physical Therapy.

5. US Army-Baylor University: The United States Army offers a doctoral physical therapy program at this prestigious institution of higher learning at Fort Sam in Houston, TX.

6. University of Iowa: This school in Iowa City, IA offers a very reputable graduate program in Physical Therapy and Rehabilitation Science.

7. Arcadia University: The Department of Physical Therapy at this university in Glenside, PA is one of the best in the nation, offering various specialties and a respected staff.

8. MGH Institute of Health Professions: If you complete the graduate program in physical therapy at this highly regarded college in Boston, MA you can expect a fruitful future career.

9. Northwestern University: The Department of Physical Therapy & Human Movement Sciences at this school, which is located in Chicago, IL, is one of the best in the country.

10. University of Miami: The Department of Physical Therapy at this university in Coral Gables, FL offers one of the top programs in the nation that is well worth considering.

Institutions offering quality Physical Therapy Programs include, Cortiva Institute, Apollo College, Kaplan College, and Keiser University.

Find the perfect Physical Therapy School today or Physical Therapy Program and start your path to a rewarding career.