What is Preventative Medicine and How Can You Benefit

Preventative Medicine

Preventative Medicine

Your quality of life depends on the way you invest in a healthy lifestyle. That means you’re taking steps each day to improve your health. You’d be surprised how your health insurance provider can help you with that.

Preventative care or wellness programs have become a part of the insurance companies benefits package. They’re adopting measures to help you develop a healthier lifestyle. This, in turn, helps you avoid unnecessary doctor’s visits and medical costs.

Benefits of Preventative Care

Taking action before an illness develops can save money in the long wrong. Or even if an illness is reversible, you’re able to save time and improve your quality of life.

Health insurance companies understand the role of wellness in everyday life. So, they offer assistance through programs or tools. Some top concerns include:

  • Fitness
  • Nutrition
  • Weight loss
  • Smoking cessation
  • Chronic illness management

 

The goal is equally beneficial to the insurance company and you the consumer. Taking the initiative to prevent illness and improve health saves money. You’re able to reduce the chances of getting sick and increasing your quality of life.

Healthy Living Benefits and Programs

Weight Loss

Illnesses like diabetes and high blood pressure are associated with obesity. So finding a weight loss solution would be a good option. Your insurance company might pay up to ⅓ of the cost of weight loss surgery.

You can even have gym membership discounted or covered. They offer full or partial coverage of monthly gym memberships. For instance, seniors have the Silver Sneakers Health Program at select gyms.

Smoking cessation

Many people struggle to quit their smoking habits. Due to the number of illnesses it causes, cutting this habit can lead to better health. Insurance companies cover programs and aids to help you stop smoking

Health Management

Other health management benefits include orthopedic massage and pain management. You might also be eligible for classes related to your illness to help you better understand and make good choices.

Not all health insurance companies offer the same types of programs. You can work with your doctor and insurance provider to find the best plans and programs that will work for you.

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Taming the Bully Between Your Ears with Author & Speaker Jeanie Cisco-Meth

Show #489

Jeanie shares:

How bullying affects children and adultsThe power to choose before respondingThe steps to bully-proofing

As a high school teacher for 17 years, Jeanie Cisco-Meth saw…

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How Do I Choose the Right Employee Benefits for Me?

Employee Benefits

The National Association of Insurance Commissioners (NAIC) reports that there are now almost 6,000 different insurance companies for employers to choose from in regards to work-sponsored plans. This substantial amount of choices directly depicts a large number of policy options that are available on the market. Many employees feel at a loss when it comes to choosing benefits since the options can appear to be overwhelming. Knowing exactly what to look for before enrolling in future plans can help ensure that you choose the right policies for you.

There are four major types of insurance policies offered by employers: medical, disability, life, and retirement plans. Medical is typically the form of insurance that potential employees are the most concerned about. While examining your policy options, be sure to look at the financial aspects first. Are the premiums and copays within your budget? Will you be able to meet the deductible for each term? Also, be mindful of which doctors are within each policy’s network for continuation of care.

Evaluating policies regarding disability and life insurance are a bit different. Disability insurance (DI) is used to protect the worker’s earnings should they ever be met with a disability that impairs their ability to perform their job duties. Work-sponsored life insurance plans provide a contract that ensures beneficiaries receive a settlement amount if the policyholder should pass. Both of these insurance forms could be highly beneficial to those at risk for various health conditions.

In terms of retirement plans, the most popular enrollment options are either a 401(k) or 403(b). The 401(k) option gives employees a savings plan in which pension funds will be disbursed steadily once the individual retires. This plan is a great option for those searching for positions in small businesses. A 403(b) offers the same type of savings plan but is best for those who will be working in public sectors or non-profit organizations.

The ability to decipher which employee benefits hold the most value for you will provide you with the highest level of protection in future circumstances. Every individual has a different set of requirements depending on their personal situation, and finding a plan that is parallel to those requirements is the most vital part of the enrollment process. Now that you have gained a higher level of familiarity with the most common employee benefits, choosing the right policies should be much less of a project.

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Benefits of Whole-Body Cryotherapy

Whole Body Cryotherapy

Whole Body Cryotherapy

To achieve better health and wellness, frigid temperatures probably aren’t the first thought on most people’s minds. Those who’ve undergone cryotherapy, however, may feel a bit differently.

What is Cryotherapy?

Cryotherapy, also known as cold therapy, involves exposing one’s skin to sub-zero temperatures for a short period of time. Because the temperature required for successful treatment is extremely low, exposure for longer than a few minutes may result in skin damage or, in a worst-case scenario, death.

The therapy has been recognized for its ability to speed healing of sports injuries, as well as provide an analgesic effect for those suffering from rheumatoid arthritis or muscle pains. In a 2017 study published in the International Journal of Sports Physiology and Performance, researchers found that cold immersion therapy was indeed effective for relief of muscle pain, as well as expedited healing. However, a 2015 study published in the Cochrane Library found that clinically significant evidence is lacking to support cryotherapy’s pain relief claims.

Cryotherapy Benefits

Reduces Inflammation

Perhaps one of the most beneficial effects of cryotherapy is its ability to combat both acute and chronic inflammation. Because chronic inflammation is associated with a higher incidence of chronic conditions such as depression, diabetes, dementia, arthritis, and cancer, it is imperative that inflammation is kept in check. Just as the cold temperature from an ice pack reduces inflammation after an injury, the extreme cold during cryotherapy has a similar effect.

Due to its anti-inflammatory effect, researchers postulate that whole-body cryotherapy may be an effective treatment against the development of Alzheimer’s disease, which is closely linked to oxidative stress and systemic inflammation.

Depression and Anxiety Reduction

Another surprising benefit of cryotherapy is its ability to combat symptoms of anxiety and depression. Because these conditions are closely linked to excess inflammation, researchers have found that cold therapy may provide some relief. In fact, a 2008 study examined the effect of cryotherapy on a small group of individuals suffering from depression or anxiety. They found that approximately one-third of subjects reported a 50 percent reduction in their symptoms!

Improvement of Eczema and Psoriasis

Research has also found that cryotherapy may be an effective treatment for inflammatory skin conditions like eczema and psoriasis. Although the findings have been mixed, as many as 30 percent of study participants saw mild to moderate resolution of their symptoms.

Weight Loss

While cryotherapy will not cause weight loss on its own, the therapy may support the weight loss process. Because cold temperatures force the body to work harder to stay warm, cryotherapy essentially forces the body to burn more calories for fuel. Some practitioners even claim that just a few minutes of exposure to frigid temperatures can result in a metabolic increase for the duration of the day. At this time, however, there is no significant evidence to support these claims. That being said, due to its ability to combat muscle pain, cryotherapy may make it easier to return to an exercise program after an injury. In this way, it may serve as an indirect weight loss stimulant.

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