The Future Of Health care Insurance In The U.S.

health care insurance

While the debate continues over the pros and cons of the Affordable Care Act (ACA), the truth is that the Act is a law and beginning on January 14, 2014, it will greatly expand health care benefits to more than fifty-five million Americans who for a long time had no health insurance and to millions of others who were underinsured.

The ACA defines certain standards by which companies must abide which mandate that they offer health plans that provide essential health benefits.

These essential benefits include:

Ambulatory Patient Services

This is an outpatient care which is the common form of health care. This is when a patient walks into their doctor’s office, gets treated, and walks out. Nearly all insurance plans cover this now, but how much they pay, who their members can see, network providers, can vary. The ACA says the network size is a sufficient size.

Prescription Drugs

This is a big one. Many, but not all, plans offer prescription drug coverage, but it is typically at an additional cost. Under the ACA all small-group and individual plans will cover at least one drug in every class and category in the U.S. Pharmacopeia, which is the official publication of approved medications in the U.S.). In addition, drug costs will be counted toward out-of-pocket caps.

Emergency Care

When an individual must go to the Emergency Room for a serious and sudden condition, such as a stroke or heart attack, this visit is typically covered. There is no pre-authorization needed anymore, and network charge cannot be charged to the individual.

Mental Health Services

There are currently many health insurance plans that either do not cover or only partially cover mental and behavioral health services. This changes under that new law. Mental and behavioral health will be billed by session, but will be covered.


Under the ACA, health insurers are required to cover hospitalizations. They may require the insured to pay twenty percent as out-of-pocket costs if they have not reached their annual out-of-pocket cap. With some hospitals charging as much as $2,000 per day for just room and board, these expenses can grow quickly.

Rehabilitative and Habilitative Services

The ACA requires health insurers to cover both rehabilitative therapies as well as habilitative therapies (sometimes including alcoholism treatment plans). These include services to help an individual overcome long-term disability.

Preventive and Wellness Services

This is the service many experts believe can help reduce rising health care costs in the U.S and requires health insurers to cover fifty preventive services.

Laboratory Services

The ACA requires certain preventive tests be covered, but other tests can still be billed individually. Costs for these can range from twenty dollars for a lab test to thirty percent for an MRI.

Pediatric Care

It is required for providers to cover teeth cleanings twice annually for children under 19 years of age, as well as fillings, x-rays, and orthodontia that is medically necessary. Additionally, these children will also get one free eye exam and one pair of contacts or glasses annually.

Maternity and Newborn Care

The ACA requires all prenatal coverage at no extra cost and requires the health insurer to cover the childbirth and newborn infant’s care as well.

For many in the United States, the benefits defined under the ACA are welcome and provide much needed health coverage. What remains in question is how much will this cost and will the right combination of individuals sign up so that the program will pay for itself as the designers have planned. These things remain to be seen, but the ACA is changing health insurance in the U.S.

Natural Vitamin B Complex And Benefits Of This Supplement

Vitamin B complex

High quality natural B complex vitamins provide a great supplement for overall health because B vitamins are water-soluble and do not stay in the body. Therefore they must be replaced and replenished in the body. Vitamin B helps to promote metabolism in the body, which is the burning of fat for energy, as well as being known as the nerve vitamin. People who lose nerve function over a period of time suffer from all kinds of problems, not the least of which are the heart and involuntary muscle problems.

Vitamin B is also a great booster of the immune system as it supports a healthy continuance of our white blood cells as they fight infection and disease. A lack of vitamin B can also cause a problem with adrenal fatigue, which occurs when the adrenalin gland fails to produce enough adrenalin to keep up with the activities of the body. People who are constantly under a lot of stress can suffer from this problem, but additional doses of vitamin B complex can help clear up that situation and keep it healthy by a regular regimen of Vitamin B.

Many guys who are taking antidepressants and mood altering medications, can be helped by taking B vitamins. Vitamin is also known as the stress vitamin, and a good steady dose of the B vitamins will alleviate a lot of the stress that we have to deal with on a daily basis. It keeps the nerves and our brain functioning normally, and keeps our adrenal gland in good shape, so many people who are on mood altering medications have been able to reduce their dosage or get off of them completely.

The B vitamins are marketed in a “complex” because there are different kinds of B vitamins, each performing a different function, but together they form a powerful phalanx against disease and poor bodily function. For example, Vitamin B-12 helps the blood to carry more oxygen in a more efficient manner, and that is why we feel a kick of energy when we take a vitamin B-12 capsule.

The demand of the body for B vitamins will increase when the body is under stress from sickness, stress, fatigue, or infection. In addition medications, alcohol, caffeine, insecticides, and other environmental processes can deplete these vitamins. You cannot usually take too much vitamin B, because what the body doesn’t use, it will eliminate.

The deficiency of B vitamins can cause restlessness, fatigue, cramps in the arms and legs, confusion, decreased formation of antibodies, cracking around the mouth, sensitivity to light, low blood sugar, depression, pellagra, numbness, and abdominal pains.

B vitamins are needed for coordination of the muscles, for healthy skin and nerve tissues, and the health of our immune system. Foods that are rich in B vitamins are egg yolk, brewer’s yeast, liver, and whole grains.

Vitamin B is needed to provide good health to our blood, to form genetic material, to aid the body in detoxification and help to empty the gallbladder. In a few cases it even can be used as baldness cure.

Without that vitamins, our bodies would be in very bad shape, it is valuable for anyone to take a supplement of B vitamins on a regular basis to help maintain a good balance of health. Read more about vitamin B complex at

Baldness Cure and Hair Loss Treatment Options

Everybody can say what hair loss can be traumatic. It occurs in both sexes, but is more common in men. During chemotherapy, many patients lose hair but find that hair growth continues within three to ten months after therapy has ended. Genetics frequently plays into early hair thinning and many individuals find themselves with little or no hair on the top of their heads or body due to Alopecia Areata, so right now a lot of people looking for a effective baldness cure.

A variety of treatment options are available. They range widely in cost and effectiveness and can be dependent upon the condition causing thinning hair or permanent baldness. Baldness cure options include hair transplants, vitamin B complex (biotin), natural essential oils, prescription medications, and topical creams. Each has advantages and some work better than others.


Baldness cure

It involve removing skin with intact hair from the back of the head and surgically attaching it to areas with little or no hair. At the first phase, the strip of hair that is removed is divided into many small sections called grafts. Each of these sections contains one or just a few hairs. Holes are created at intervals on the scalp and a graft is inserted within them.

Hair transplant surgery is generally done under local anesthesia in a medical office. It can take anywhere from four to eight hours to complete the process. Most individuals discover that the transplanted hairs fall out within two to three weeks. New hair regrowth begins in the third month with most follicles in production after a ten month period.

According to, FGF9 protein is currently the most effective cure for baldness. It is very expensive and is generally not covered by a health insurance policy. It is recommended only for those patients who are in good health at the time of the procedure.

Oral Prescription Medication

Propecia is the only oral medication that receives the FDA seal of approval for pattern baldness in men. It works by interfering with the production of the male hormone dihydrotestosterone (DHT). DHT acts on the follicles and reduces the active growing period of hairs. Consistently elevated levels cause the follicle to shrink. The diminished follicles create increasingly miniaturized hairs and eventually halt production completely.

Subjects who have undergone therapy with Propecia have maintained hair regrowth in 90% of the cases. At the end of a five year trial, an average of 277 new hairs per square inch were reported. This prescription drug does not work with women and pregnant women are cautioned to avoid even handling the drug.

A prescription for Propecia is frequently given after hair transplantation surgery. It works to restore hair in areas that did not receive grafts and stimulates hair regrowth in areas that did. Best results are achieved in the early stages of balding.

Topical Medication

Rogaine, or minoxidil, is applied directly to the scalp. It is FDA approved and can be purchased as an over the counter medication. Minoxidil was initially used as a medication for high blood pressure. Patients who were taking it frequently reported increased hair growth and researchers took note.

Minoxidil works by increasing the length of the anaphase portion of the hair growth cycle. It works by stimulating dermal papilla cells and follicular growth. In most cases, hair loss is simply slowed and the majority of users will not regrow hair. It does not work once baldness is complete.

There are other products on the market (based on FGF9 protein), but you should consider consulting with your physician before beginning a program to reduce hair thinning or to stimulate regrowth. A specialist can consider your case, help you develop a safe plan for baldness cure, help your hair to grow and will provide some tips. Hair loss doesn’t have to be catastrophic since there are now treatment options that really work.

Symptoms Of Alcoholism and Major Signs

It seems like all people that venture into the party scene and either experiment with alcohol or become a regular drinker tend to go down the same path with a variety of different results. Most everyone of age has at least been to a party or two, and many people have lived through their college days and those social events on the weekends with their friends, and co-workers. However, continuing on throughout life, alcohol has different effects on people, and it has everything to do with both your mental state and your body’s physical response as well.

What many people don’t understand is that alcoholism isn’t something you can recognize and discount when you first start drinking. In other words, if alcoholism doesn’t grab you right away, that doesn’t mean that it’s not going to later on in life. As a matter of fact, it usually doesn’t grab at you instantly, but instead takes it cunning course of action as you dive deeper into that black hole, often without ever realizing the danger until it’s too late.

First, take a look at tolerance levels. Some people like to socially drink more than others. No matter which type of alcohol you drink, whether it be beer, wine or liquor, notice how much you are consuming. Even if you don’t become an alcoholic, social binge drinking and too much alcohol in your system can be hazardous to your health anyway. If you notice that you are building tolerance levels to where you are drinking a 12 or more of beer, a bottle of wine, or a 1/5th of vodka each time you drink, then you have built up your tolerance to a point that is very dangerous. These are just examples, and you should also note how often you drink.

Symptoms of alcoholism

A built up tolerance and drinking too often are definitely symptoms of alcoholism. But, there is more to it than that. If you find yourself drinking too much, and then you wake up the next day and feel like crap all day long and do not want to drink, then your body is fighting. In other words, you have not entered the world of alcoholism, yet, but have an alcohol withdrawal symptoms. However, people in this category often find themselves drinking again that night when they feel a little better. This dangerous pattern can wind up mixing with your emotions in a downward spiral that finds you waking up one day to a physical dependence upon alcohol just to cope.

If you drink every day and then find yourself waking up needing a drink just to stop the shakes and to feel normal, then you are an alcoholic. The whole pathway there is self-destructive, but when alcoholism does set in, it is extremely difficult to overcome. For one, people go into a state of denial, and they find reasons to validate themselves continuing to drink alcohol. These are the signs of alcoholism, as well, and high blood pressure is one of them.

Another sign of alcoholism is neglecting your daily responsibilities. Many alcoholics can be called “functioning alcoholics,” which refers to them being able to do their daily business even though they are constantly drinking. However, this does not usually describe a person who has much in life and has accomplished many goals. They merely exist and skating by while allowing alcohol to control their lives. Such people’s need a medical treatment (preferable in alcohol detox or rehab center) to stop control of alcohol on their lives.

Also, if family related problems or legal problems arise with a person who has been drinking alcohol, a mature person that isn’t an alcoholic will often do whatever is possible to remedy that situation to improve their lives. Alcoholics are not able to help themselves and continue down their destructive paths, and legal problems can often mount up. Overall, there are many signs of alcoholism and you should assess your own drinking habits and realize that if you come face to face with alcoholism, it’s up to you to take the first step to recovery. Alcoholism can lead to the problem with health and many serious conditions such as liver disease, dementia, kidney failure, etc. For additional information, please check symptoms of alcoholism at

What Is High Blood Pressure or Hypertension?

Popular disease, Hypertension is known as “the silent killer” because of the lack of symptoms. The most dangerous aspect of hypertension is the fact that close to a third of individuals who have hypertension don’t know it, and usually don’t feel it. Everybody should know what is hypertension, and his or her BP count is, and the only way to find out is to have your BP checked by a medical professional.

What is high blood pressure

It is a common misconception that people who have hypertension experience symptoms of hypertension such as headaches, flushing, nervousness and sweating, when the truth is that hypertension is largely symptom-less. If you wait for the appearance of symptoms to determine whether you have hypertension, you may be playing with your life.
Qualified evidence indicates that headaches are not a symptom of hypertension, except in the case of hypertensive crisis, where the systolic (high count) is higher than 180, or the diastolic (low count) is higher than 110.


The only time when obvious signs of HBP occur, is when BP soars to a dangerous level (as mentioned above) which indicates that a person is experiencing a hypertensive crisis, and needs immediate emergency medical treatment.

Hypertensive Crisis Symptoms include the following, backed up by extremely high BP readings:

  • Difficulty breathing
  • Severe anxiety
  • Severe headache
  • Fatigue and confusion
  • Irregular heartbeat
  • Chest pain
  • Pounding in the ears, neck or chest
  • Blood in the urine
  • Vision problems


The exact cause of HBP is still unknown, however, several physical conditions and environmental factors may increase the risk of elevated BP. They are:

  • History of family with hypertension disease
  • Smoking
  • Stress
  • Lack of exercise
  • High levels of salt in food
  • Excessive alcohol consumption and symptoms of alcoholism.

The good news is that, while there is no cure, hypertension is treatable and manageable, and hypertension symptoms can be kept under control by following a few simple steps:

  • Has your BP checked and recorded by your health care professional.
  • If high blood pressure is diagnosed, it is usually easily treatable with lifestyle changes, changes in diet, and where necessary, prescribed medication to bring the BP down.
  • Keep a record of your BP readings and manage it by having regular checkups.
  • As BP fluctuates during the day and reacts to emotional stress, as well as other factors, it may be advisable to invest in a home monitor which is easy to use and comes with instructions on how to measure your own BP. An accurate record of the BP fluctuations can be an invaluable tool to help you and your doctor to manage your BP levels.
  • Keep a list of the symptoms of a Hypertensive Crisis on hand and call emergency services at the first signs of any of the symptoms.

By following a healthy diet and lifestyle, you can:

  • Reduce the risk of hypertension.
  • If you are at risk, delay or prevent the onset of HBP.
  • Improve the effectiveness of medication prescribed for HBP disease.
  • Lower your risk of associated health problems such as heart disease, stroke, kidney disease and heart attack.

A healthy lifestyle is paramount in preventing the symptoms of hypertension and managing your BP levels. If necessary, make lifestyle changes that will benefit your heart health and BP levels, and stick to the changes made. Be informed regarding your BP count and set goals to achieve and maintain a healthy BP level.

Ultimately, it is your responsibility to take care of your own health, in partnership with your health care professional, to ensure optimum heart and BP health.
For additional information, please read next article: What is high blood pressure (Hypertension) –