Category Archives: Health

Fibromyalgia and Low Thyroid Function

Fibromyalgia and Low Thyroid Function

Over 20 million Americans suffer from thyroid dysfunction. And over 500,000 new cases of thyroid disease occur each year. However, as staggering as those numbers appear, millions more go undiagnosed. It’s estimated that more than 10 million women have a low-grade thyroid dysfunction, which isn’t treated. And almost another 8 million people with low thyroid go undiagnosed.

Like my patient Allison, many individuals with low or hypothyroid simply fall through the cracks.

Allison K. I really felt terrible most of the time. I had no energy at all. I’d gained 40 pounds over the last year even though I ate very little and tried to follow my Weight Watcher’s program. I kept cutting my calorie intake and even started skipping meals in an attempt to lose weight. The less I ate the worse I felt. I had numerous sinus infections, which I had never had before. My hair was falling out, I had tingling pain in my hands and feet and always felt cold even in the summer. I had this constant ringing in my ears. I was depressed or anxious a good deal of the time. Every doctor I consulted said that my blood tests were normal and it must be my fibromyalgia that was causing me to feel so bad. I knew something was wrong with me, but I couldn’t find anyone who could help me. One doctor said I had all the symptoms of low thyroid. But, the endocrinologist she referred me to, said all my tests were normal. How could my thyroid be normal when I have all the symptoms of hypothyroid?

Allison’s story is a typical one. I routinely have new fibromyalgia and CFS patient’s who present with all the symptoms of hypothyroid including fatigue, headaches, dry skin, swelling, weight gain, cold hands and feet, poor memory, hair loss, hoarseness, nervousness, depression, dry skin, constipation, joint and muscle pain, and burning or tingling sensations in the hands or feet. The symptoms associated with hypothyroid are after all very similar to those of fibromyalgia and CFS.

And in fact, up to 63% of patient’s with fibromyalgia and CFS have been shown to have hypothyroid.

I estimate that as many as 40% of my FMS and CFS patients are suffering from low or hypothyroid function.

Your Thyroid Gland

The thyroid gland is shaped like a butterfly and is located in the lower front part of your neck (just above the breastbone). The thyroid gland is responsible for secreting thyroid hormones. A hormone is a chemical substance formed in the body and carried in the bloodstream to affect another part of the body. Thyroid hormones travel through the bloodstream and help cells convert oxygen and calories to energy. Thyroid hormones control a person’s metabolism. Metabolism is defined as the sum of all physical and chemical changes that take place within the body; it’s all the energy and material transformation that occur within living cells. Every cell in the body depends on having enough thyroid hormone. If your thyroid gland becomes dysfunctional, every cell in the body suffers. This is why thyroid disorders can cause so many problems. When your thyroid gland produces too much thyroid hormone, this is known as hyperthyroid. When your thyroid doesn’t produce enough thyroid hormone, it’s called hypothyroid. As you can see below, hypothyroid can cause many of the symptoms of FMS/CFS.

Symptoms Associated with Hypothyroid  fatigue (the most profound symptom)  headache  dry skin  swelling  weight gain  cold hands and feet  poor memory  hair loss  hoarseness  nervousness  depression  joint and muscle pain  burning or tingling sensations in the hands and/or feet (hypothyroid neuropathy)  yellowing of skin from a build up of carotene (conversion of carotene to vitamin A is slowed by hypothyroidism)  carpal tunnel syndrome  problems with balance and equilibrium (unsteadiness or lack of coordination)  constipation (from slowed metabolism)  edema around the ankles, below the eyes, and elsewhere  observation of delayed Achilles tendon reflex test  hypertension (high blood pressure)  angina (chest pain)  atherosclerosis (hardening of the arteries)  hypercholesterolemia (high cholesterol)  menstrual irregularities  infertility  PMS  fibrocystic breast disease  polycystic ovary syndrome  reactive hypoglycemia  psoariasis  urticaria  allergic rhinitis

Understanding Thyroid Hormones, T3, T4 AND TSH The hypothalamus stimulates the pituitary gland to produce thyroid-stimulating hormone (TSH). TSH then stimulates the thyroid gland to produce and release the hormone, thyroxine (T4). T4 hormone is then converted into the more active, triiodothyronine (T3). T3 hormone is essential for life and four times more active than T4. You can live without T4 but not without T3. A thyroid gland that functions normally produces T4 and T3. Twenty percent of the T3 circulating in the body comes directly from the thyroid gland, and the remaining 80 percent comes from conversion of T4. This conversion of T4 to T3 takes place in the cells. (T4 can also be converted into reverse T3, which is physiologically inactive.) The enzyme 5-deiodinase converts T4 into T3 and reverse T3. The 5-deiodinase enzyme, can be inhibited by prolonged stress, steroids (stress hormones or cortisol), poor nutrition, acute and chronic illnesses. If T4 doesn’t convert into active T3, symptoms of low thyroid start to show up. This can happen in spite of a normal TSH blood test reading.

Chronic Stress Leads to Low Thyroid The symptoms of low thyroid tend to come on or become worse after a major stressful event. Childbirth, divorce, death of a loved one, job or family stress, chronic illness, surgery, trauma, excessive dieting, and other stressful events can all lead to hypothyroidism. Under significant physical, mental, or emotional stress the body slows down the metabolism by decreasing the amount of raw material (T4) that is converted to the active thyroid hormone (T3). This is done to conserve energy. However, when the stress is over, the metabolism is supposed to speed up and return to normal. This process can become derailed by a buildup of reverse T3 (rT3) hormone. Reverse T3 can build to such high levels that it begins to start using up the enzyme that converts T4 to T3. The more stress the more likely rT3 can block T4 from converting into T3.

Blood Test may be Inaccurate Blood tests for thyroid function measure the amount of TSH, T4, and T3 in the bloodstream. But thyroid hormones don’t operate within the bloodstream; the action takes place in the cells themselves. What good is a blood test that only shows what is racing around the bloodstream one second out of one minute, out of one hour, out of a one day? Blood tests are measuring how much thyroid hormone is swimming around in the blood stream, but not what is in the cell. Blood tests are an educated guess based on the bell curve theory. Sixty percent of patients will have thyroid levels between the usual testing parameters, twenty percent will be above and twenty percent will fall below these parameters.

Traditional medical professionals know that thyroid blood tests are less than perfect. The Journal of Clinical Psychiatry has reported that -Laboratory blood tests for thyroid may be inaccurate for many who get tested for hypothyroid disorder.-

Compounding the problem of using standard blood tests to diagnose hypothyroid is the inability of doctors to agree on the laboratory parameters.

According to the American Association of Clinical Endocrinologists (AACE) guidelines, doctors have typically been basing their diagnoses on the “normal” range for the TSH test. The typical normal TSH levels at most laboratories, has fallen between the 0.5 to 5.0 range. Those with a TSH below .5 are considered to have too much thyroid hormone (hyperthyroid). Those whose test results are above 5 are considered to have too little thyroid (hypothyroid). However, it’s not uncommon to find doctors including endocrinologists (thyroid specialist) who withhold the diagnoses and treatment of hypothyroid until a patient’s TSH tests considerably above 10. While some doctors believe that anyone who has a TSH above 2 and complains of hypothyroid symptoms (depression, fatigue, brain fog, etc.) should be placed on thyroid hormone.

While doctors often debate which parameters or numbers are correct, millions of low thyroid patients are not properly diagnosed and treated. Patients often relate that they, and sometimes their doctors, suspected a thyroid problem only to have their blood work return normal. Most physicians, in this case, won’t recommend thyroid replacement therapy. Doctors are typically reluctant to prescribe thyroid replacement therapy, without a definitive test that reveals true hypothyroid. They’re afraid that doing so would jeopardize the health of the patient. And true, excess thyroid can cause several unwanted health problems including elevated heart rate, rapid pulse and accelerated bone loss. However, millions suffer with symptoms far worse then these when prescription therapy is withheld. Certainly the dangers of thyroid replacement therapy should be a concern. But if you weight the pro’s and con’s of administering thyroid replacement therapy to a patient with normal blood tests, yet all the symptoms of hypothyroid, fatigue, anxiety, depression, achy diffuse pain, weight gain, etc., its’ easy to see that withholding therapy should be considered malpractice. This is especially true in light of the fact that most of my fibromyalgia and CFS patients are taking numerous drugs to cover-up the symptoms of hypothyroid; Provigil or Aderall to increase energy, antibiotics for chronic sinus infections, a laxative for constipation, NSAIDs for pain, SSRI medication for depression, and perhaps a benzodiazepine like Ativan or Xanax for anxiety. All of these drugs may in turn cause side effects that may cause further symptoms (poor sleep, fatigue, depression, etc.). It’s not uncommon for my patient’s to be able to drastically reduce or eventually wean off these very medications once their thyroid disorder is corrected.

New Developments To complicate matters, the parameters for determining who has a thyroid disorder and who doesn’t has recently been changed. The new guidelines narrow the range for acceptable thyroid function; the AACE is now encouraging doctors to consider thyroid treatment for patients who test the target TSH level of 0.3 to 3.04, a far narrower range. The AACE believes the new range will result in proper diagnosis for millions of Americans who suffer from a mild thyroid disorder but have gone untreated until now.

At a press conference in 2004, Hossein Gharib, MD, FACE, and president of AACE, said: “This means that there are more people with minor thyroid abnormalities than previously perceived.” I still routinely get test results that use the old numbers and unfortunately many doctors continue to misdiagnose their patient’s based on these outdated lab parameters.

The AACE estimates that the new guidelines actually double the number of people who have abnormal thyroid function, bringing the total to as many as 27 million, up from 13 million thought to have the condition under the old guidelines.

Euthyroid Syndrome Euthyroid is a medical term for patients who have normal thyroid blood tests but have all the symptoms associated with hypothyroidism: fatigue, low metabolism, headache, etc. Many doctors don’t know about (or they choose to ignore) well documented studies that show that low body temperature is indicative of euthyroid hypothyroidism.

Body Temperature, Metabolism, and Thyroid Hormones

Self-test for Low Thyroid Dr. Broda Barnes was the first to show that a low basal body temperature was associated with low thyroid. His first study was published in 1942 and appeared in JAMA. This study tracked 1,000 college students and showed that monitoring body temperature for thyroid function was a valid if not superior approach to other thyroid tests.

The test for low thyroid function, according to Dr. Barnes’s protocol, starts first thing in the morning. While still in bed, shake down and place the thermometer (preferably mercury; digital thermometers are not as accurate) under your arm and leave it there for 10 minutes. Record your temperature in a daily log. Women who are still having menstrual cycles should take their temperature after the third day of their period. Menopausal women can take their temperature on any day. A reading below the normal 97.8 strongly suggests hypothyroid. A reading above 98.2 may indicate hyperthyroidism (overactive thyroid).

Treatment for Hypothyroid, The Barnes Method Dr. Barnes recommends patients take a desiccated glandular (derived from pigs) prescription medication known as Armour Thyroid, which was used before synthetic medications such as Synthroid were introduced. Armour Thyroid and other prescription thyroid glandulars (including Westhroid), contain both T4 and T3.

Synthroid and other synthetic thyroid medications contain T4 only. Since some individuals have a difficult time converting inactive T4 to active T3, these medications may not work at the cellular level. Individuals may take T4 medications for years and never notice much improvement. Their blood tests look good, but mean time they’re falling apart; gaining weight, having more aches and pains, battling one sinus infection after another, and becoming more and more fatigued, depressed and withdrawn.

Low Thyroid and Depression

Several studies demonstrate that a combination of T4, T3 or T3 therapy alone may provide welcomed relief from a number of symptoms commonly associated with depression. Studies show that T3 therapy is more effective in reducing the symptoms associated with depression than SSRI antidepressants.

Over All Well Being A study by the New England Journal of Medicine showed that patients who received a combination of T4 and T3 were mentally sharper, less depressed, and feeling better overall than a control group who received T4 only.

The addition of T3 often helps with many symptoms of hypothyroidism that may not disappear with supplemental T4 only. It has improved or eliminated depression, brain fog, feeling cold, constipation, chronic fatigue, headaches, insomnia, muscle and joint pain, and chronic sinus infections.

Weight Loss For some people it has helped them finally lose weight.

Fibromyalgia One study showed that all the symptoms associated with FMS could be eliminated while the patient was taking high-doses (120 mcg.) of T3.6

Over the Counter Glandular Thyroid Supplements Since I no longer employ medical doctors in my practice I have to rely on natural supplements instead of prescription medications. I used to refer my patient’s back to their medical doctor in an attempt to get them on prescription Armour thyroid medication. I prefer my patients take Armour thyroid. However, most doctors are so reluctant to treat patient’s with normal thyroid blood tests or to use Armour thyroid medication, that I’ve been forced to use over the counter thyroid glandular replacement therapy. Fortunately I’ve found a reliable manufacturer of high quality thyroid glandular and I’m getting great results with my hypothyroid patient’s.

Thyroid bovine glandular supplements have been used since the beginning of thyroid treatment. Dr. Barnes used Armour Thyroid, (available by prescription). However, over-the-counter thyroid glandular supplementations are also available. The over the counter thyroid glandulars come from pig glands just as the prescription drug Armour thyroid. However, unlike Armour Thyroid, over the counter thyroid glandulars contain no T4, only T3. By removing the T4 manufacturers can then legally sell the glandular extract with out a prescription. Since these raw thyroid tissue concentrates contain the active thyroid hormone T3, they can be used as a first line of treatment for low to moderate hypothyroid dysfunction.

I’ve been using thyroid glandular supplements for almost 2 years. My patient’s report they feel better on these supplements. They often notice improved energy, better moods, increased mental clarity, and weight loss on these thyroid glandular replacement supplements. If you have fibromyalgia I encourage you to check for low body temperature it could a sign you’re suffering from undiagnosed hypothyroid.

About Dr. Murphree

Dr. Murphree is a board certified nutritional specialist and chiropractic physician who has been in private practice since 1990. He is the founder and past clinic director for a large integrated medical practice located on the campus of Brookwood Hospital in Birmingham Alabama. The clinic was staffed with medical doctors, chiropractors, acupuncturists, nutritionists, and massage therapists. The clinic combined prescription and natural medicines for acute and chronic illnesses. He is the author of 5 books for patients and doctors, including “Treating and Beating Fibromyalgia and Chronic Fatigue Syndrome,” “”Heart Disease What Your Doctor Won’t Tell You’- and “Treating and Beating Anxiety and Depression with Orthomolecular Medicine.”

In 2002 Dr. Murphree sold his medical practice and now maintains a busy solo practice specializing in fibromyalgia, chronic fatigue syndrome, heart disease, mood disorders, and other chronic illnesses. He can be reached toll free 1-888-884-9577 or at 205-879-2383 His website is at for more information about Dr. Muphree and fibromyalgia

Senior Citizens Suffer from Insomnia

As people grow older, there is often more on their minds than when they are younger. This elevated brain activity can make it harder to turn off the thoughts in the evening, and subsequently they lie awake at night with their minds racing. This insomnia is well documented, and is not your typical sleep disorder. Because it is not the same as other sleep problems, typical sleeping pills are not used to combat it.

Instead of treating this senior insomnia with a sleeping pill, many doctors turn to anti-anxiety pills. These drugs help to calm the mind, and allow the user to drift off to sleep more naturally than using a different medication. However, they still carry risk.

The Risks of Anxiety Drugs

Anxiety drugs help relieve tension and relax the mind. But in helping an individual to relax they can cause temporary fuzziness or memory loss. Those who use these drugs report that in the morning they feel as though they have a hangover; as though the events of the night before are hazy and hard to recall. For a long time doctors thought that this inability to recall moments was a temporary side effect and the body would recover just like it recovers from an excess of alcohol.

Recent studies, however, have led them to a new conclusion. This temporary dementia may be leading to more serious dementia down the road. In fact, the  studies show that those who have used anxiety drugs to help treat insomnia are at a significantly higher risk of suffering from dementia like Alzheimer’s disease. The problem, it turns out, that the misfiring neurons that cause the lost memories never fully heal. As the problem compounds, dementia sets in.

The companies that make anti-anxiety drugs, like Valium, Ativan, and other  Benzodiazepine drugs , never fully warned the public of this danger. As a result millions of people are put at risk without their consent. If you have been diagnosed with the early stages of dementia, and you have used anxiety drugs, you may be able to file an anxiety drug lawsuit. Contact a  personal injury attorney  today to learn more.

What Is The Present Day Value Of Visitor Health Insurance

A visitor health insurance should be included in the priority list of every traveller who plans to go to a distant country. The value of this insurance service can be realized in any health mishap occurring during the travellers visit to an international destination. A thorough study on all the available visitor medical insurance programs can be done to find the most suitable one for your travel protection needs.

There are many unavoidable reasons which encourage visitors to purchase visitor health insurance in Canada and USA. Medical treatments in these countries can be very high and visitors may not be able to pay for their health expenses properly. In absence of health coverage, they may not find an efficient physician to address their medical requirements and dont even get timely access to expensive health systems and facilities.

In emergency situations, getting medical care could become an expensive exercise in the USA or Canada that you have never visited before, and might give rise to unpleasant memories. These emergencies might prove risky for senior visitors or elderly parents with chronic illnesses which need regular health care and constant monitoring. When they face it in a country away from their homes, visitors feel stressed out and unhappy and even spend their lifetime savings to get cured.

By paying out low premiums, visitors will be able to get travel protection coverage. The coverage benefits of visitor health insurance are interesting and they assure to provide the important details regarding the medical record of a visitor to ensure a smooth and effective treatment of a visitor in sudden illness or accident while he/she is on a visit to a foreign country. The visitor health insurance in Canada policy is available for both long and short duration. From general to special coverage options like respiratory disorder coverage and heart attach coverage are included in these visitor plans to help the visitors feel secure at all the time.

Some of the health insurance plans for visitors offer accident coverage. But premiums should be paid in every month or week from the beginning of the coverage and continued until the trip ends. These plans are extremely useful and give the visitors a handy list of health care facilities and doctors who they can use for emergency care. Most of the foreign hospitals and clinics recognise these policies which allow them to ask for compensation directly from the insurer.

Many of the travel insurance agencies like are readily available to produce all the basic details including the list of medical clinics and physicians you are free to consult with and seek treatment for recovering from an injury or disease. It also has professional insurance agents who can reply to your call and concerns at anytime.

It might take some time to grasp the common insurance terms like premiums, coverage, deductibles, but when you will get delivered with a quote by VisitorCarUSA, you can get sure of more peace of mind during your foreign trip.

What Consumers Need To Know About Buying Health Insurance

Learning the basics of your health insurance options is very important. Gaining a better understanding of how health insurance works is necessary in order to get the perfect coverage with the greatest flexibility and benefits at the lowest cost.

Many people are at a total loss when it comes to understanding the terms of the health insurance industry. Basically, there are two types of health insurance coverage. One type of health insurance plans is called indemnity care. It allows you to choose your own doctor, hospital and other care providers and services on your own.  Insurance company will then reimburse a percentage or a maximum amount for the health care services, and the patient is obligated to repay the remaining balance.

The second type of health plans is called managed care. The patient must only seek out treatment in a contracted network. There are three different managed care types: health maintenance organization (HMO), preferred provider organization (PPO), and Point of Service (POS).

Health insurance companies make you responsible for a deductible which is the amount you must pay towards your medical expenses before your insurance company pays. The higher the deductible amount, the lower your premiums will be and vice-versa. Some companies may also make you responsible for a co-payment which is the amount you pay each time you visit a doctor or other health care provider. As well as a co-insurance which is the percentage of the medical bill you have to pay for after you have attained the valid deductible.

Basically, managed care plans are better suited for the patient because they end up being more cost effective in the long run as they allow you to minimize your expenses. If your aim is maximum flexibility, you should consider purchasing an indemnity plan.

Buying health insurance is a vital need for individuals and their families. But before discussing a contract with a health insurance agent, some forget to study the basics of health insurance. This is when buying inadequate health insurance occurs and the consequences begin, leading consumers to find themselves in a situation where their doctors are not in a contributing network or their health and even their finances are at risk.

To get affordable health insurance coverage, one must gain a better understanding of how health insurance works in order to be able to ask the right questions when speaking to a negotiator. Being prepared will give you the exact plan you want at the lowest costs.

When negotiating a policy with a health insurance broker, make sure to ask if the company offers such benefits as preventive care, prescription drugs, vision care, dental care, maternity care, mental health benefits. The more you know about health insurance, the better the policy will fit you. When you are searching for a health insurance policy, make sure you understand all the details offered in the policy and pay particular attention to the exclusions and restrictions.

Important Reasons To Take Advantage Of Employment Health Services

Forward thinking companies are starting to understand that an ounce of prevention is worth a pound of cure, and many are beginning to offer Employment Health Services as an added “perk” for their employees. One of the chief concerns people have when it comes to choosing a place of permanent employment is reaping the prized benefits that come along with it. In these days of economic and regulatory uncertainty, health coverage becomes ever more of a fundamental issue.

Work and family life absorb a great deal of the average employee’s attention and finances. Defraying or reducing medical costs through convenient and affordable employment health services is both a comfort and an asset. Here we will discuss three central reasons for providing employment health services for your employees; consider the following:

It reduces absenteeism
Healthy employees are more productive, there is no other way to put it. Physically sound workers are less likely to miss work days. Simple programs that will prevent illness and you maintain a healthy weight makes employees feel good about themselves, and the end result is that they are not going to miss as much work. By taking advantage of preventative health services or programs, employees want to stay positively active in the workforce.

Employment health services can help keep people out of the hospital, especially when it comes to physical issues that are related to mental health and well-being. Keeping people on the job is important for the employee but it is also crucial for the business. Employment health services are one of the few ventures in which everyone’s interests are aligned. The company wants happy, healthy employees; and the employees want to be happy and healthy.

It reduces costs
Employment health services work because workers no longer take health care for granted. In fact, the best program urges workers to pursue every benefit available to them. Taking advantage of every employee benefit is critical to maximizing their own savings as a way to keep money in their pocket. Employment health services can eliminate or reduce the need for workers to forgo important health services.

When employees are forced to face treatment because there are preventative programs, healthy behaviors that are critical fall by the wayside. People end up avoiding care because they can’t afford to pay their co-pay, or they skip medications, trying to make the prescription last longer. Their intent is based on economic reasons, but they end up paying a higher cost in the long run.

Maintain a healthy workforce with Occupational Health Services
With more than years of experience and expert clinicians in occupational health, medical access companies are focused on helping keep your workforce healthy and productive. In addition, we provide services through our highly convenient, walk-in location in Germantown, MD.

From drug screenings to wellness programs, medical access companies offer a wide range of employment health services to support employers in maintaining a healthy, safe workforce, while reducing the costs of work injury treatment for your company and your employees.

How to Choose Between an HMO and PPO Health Plan When Your COBRA Health Insurance Coverage Expires

When you get the surprise of a sudden change in employment status and become unemployed, keeping your health coverage can be a challenge. Designed to be a protection for those who face this situation, COBRA was created by the federal government. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986; this allows employees displaced by termination, lay offs and voluntary resignation the opportunity to continue their health insurance for up to 18 months following the employment change in status.

You can qualify for COBRA health insurance coverage in cases where the employer you no longer work for had a group plan with a minimum of 20 employees enrolled into it and you were a member of that plan for at least six months. If any other members of your family were also enrolled under the same plan, they are also able to get COBRA- even in the case that you choose to not get it yourself. The nature of your ‘qualifying event’ can mean that you can get COBRA benefits for up to 36 months.

The cost associated with COBRA continuation of coverage benefits is high. You will be responsible for 102% of the cost of the insurance, which can eat up almost all of your unemployment amount. This cost includes administrative fees which make it so expensive. There options to help you afford this cost; you can get assistance under the American Recovery and Reinvestment Act of 2009. This program will allow you to recover up to 65% of the premiums, but only for a period of nine months.

If your COBRA subsidy is about to run out, you can consider getting an individual health insurance policy for yourself and other family members as a way to make COBRA coverage more affordable. When selecting a private policy, you can choose between an HMO and PPO health plan. HMO and PPO are common health insurance terms for the main types of managed health-care systems. A Health Maintenance Organization (HMO) plan requires you to get all your health care service from providers who are members of the HMO network. Under an HMO plan, you will need to select a primary care physician who will be your main health services provider and will refer you to other specialists in the HMO network as needed. A Preferred Provider Organization (PPO) on the other hand, does not require you to get your care from health providers within the PPO network, but will penalize you if you choose to go outside the PPO network by paying for their services at a lower rate or not paying for them at all.

So what are the pros and cons of getting HMO vs PPO insurance? While both can be affordable, you should get an HMO if you care more about preventive care services and you don’t have a preferred doctor. On the other hand, a PPO might be the better choice if the doctor you’re already seeing is a member of the PPO network or you want some freedom to direct your health care since you can see any specialist you want as long as they are a member of the network.

Finding Low Cost Health Insurance

Health InsuranceMost of the sites you will come across have one thing in common, a free quote engine. These quote engines will usually ask for either the state you live in or your zip code. This information helps the engine return a list of health insurance agents who are licensed to sell health insurance plans in your area. This step is important because insurance regulations vary from state to state, so you first want to make sure the agent you are dealing with is knowledgeable about insurance regulations in your area.

Another benefit to these free quote engines is that, since they are free, you can request multiple quotes. This is a good idea because it puts the power in your hands, as an informed consumer. With multiple quotes, you can begin to evaluate the total health insurance costs between different plans. Requesting multiple quotes also lets you interact with multiple agents and get a feel for which agent you prefer working with and who appears to have your best interests in mind. Having choices is key to making an informed decision and saving money.

There’s no denying that health insurance is a very important part of our lives and it should not be taken lightly. But you also shouldn’t stress too hard with all of the tools that are out there to help you. This article is intended to help you understand some of the basic concepts and terms of health insurance and to point you in the right direction for finding a low cost health insurance plan that suits your needs.

The True Value of Low Cost Health Insurance

If you are like most people, you want to get the best value for your money when shopping for health insurance. This usually translates into a search for “low cost” or cheap health insurance, but there is more to it than that. Your real goal should be to maximize coverage while minimizing the total health insurance cost for a plan. This is a delicate balance that takes some effort to get right.

Not all forms of low cost or cheap health insurance are great values. You must consider both the health insurance cost of a plan and the coverage it provides to get an accurate sense of what you are buying. And even the cost side of the equation is not always clear. Many people lazily assume that the monthly premium is the “sticker price” of a health insurance plan. That is a mistake.

A health insurance plan’s deductible is just as important as its monthly premium; both are critical factors that contribute to the total health insurance cost of a plan. The deductible is the amount of money you would have to pay out-of-pocket before your health insurance provider starts covering the rest. So if you have a $2,000 deductible, your insurance provider won’t pay a penny until you have already spent $2,000 of your own money on your own medical expenses. So in addition to your monthly premium payments, you must also consider the potential out-of-pocket costs you might face in  paying off your deductible if an accident occurs and you end up in the hospital.

Other factors you must consider when evaluating the total health insurance cost of a plan include co-pays for prescription drugs and visits to the doctor. Most plans will require you to pay some level of co-pay for these items, but how much is the question. Be sure to not overlook these details when evaluating a plan.

Be Honest With Thyself

Now that you are aware of the different factors to consider in evaluating the true value of a low cost health insurance plan, you should feel more confident in your ability to choose a plan that is value-tuned to your needs. For example, if you are young and healthy and feel like trips to the hospital are unlikely in your near future, you might opt for a higher deductible in return for lower monthly premiums. However, if you are into outdoor activities or extreme sports which can lead to injury, a more comprehensive plan will suit you better.

Health Insurance is very important and is something you need to be honest with yourself (and your family) about. As tempting as it might be to cut corners and get a super cheap plan with minimum coverage benefits, you could ultimately be hurting yourself and putting your family at risk of financial ruin if a medical emergency occurs. So paying a little extra each month to get adequate health insurance coverage can end up saving you a ton of money in the long run.

Exercise may also strengthen your Hardworking Liver

Regular exercise is the answer to many health conditions, and liver health definitely is one of them. But the catch-22 for exercising if you have an ailing liver is the fact that among the first symptoms will be low energy, and hitting the gym is one of the last things you want to do if you are tired. But there’s an expanding body of evidence that suggests that one of the most effective actions to take for persistent and acute liver disease is to start a fitness program.

There are numerous rewards that exercise can bring, and for those having acute liver problems they are actually just what the doctor ordered. A few are:

1.Oxygenation of the blood. Exercise improves the oxygen carrying capability of your blood, and the more oxygen targeted towards the liver the better to help it repair itself.

2.Higher stamina and energy. Anything that is able to make your cardiovascular system more efficient will improve the delivery of oxygen in addition to nutrients through the whole body. This leads to superior energy levels.

3.Exercise helps to reduce obesity. Liver issues such as fatty liver and obesity go hand-in-hand. Exercise helps to keep the weight off, thus reducing fatty liver disease along with diabetes issues.

4.Lessening of depression. Working out will trigger the discharge of endorphins plus enhance a feeling of well-being. A depressive disorder is a typical problem for anyone with liver issues and can keep the process of recovery from taking place.

So now that we have talked about just why people with liver issues should get into fitness programs, just how do you go about doing something that is fundamentally so hard?

1.Don’t go overboard at the outset. It is entirely all right to start off with a program that you could deal with. It may be as simple as standing upright along with taking a seat in a chair five to ten times in a row, or taking a series of brief 10 minute strolls. If you have advanced liver disease you probably have not worked out in quite a while, so do not start off being real hard on yourself.

2.Locate a special-needs trainer. Choosing a trainer who appreciates what you’re really going through will let you navigate the obstacles with working out when you basically do not have the energy for it. The plan will have to be specifically designed for you, and you will require a great deal of help and understanding.

3.Have an attitude that never quits. It’s not going to be painless, so come in with the attitude that you are not going to quit, but go about it just a little at a stretch. It could be a challenge when it is in fact painful to work out initially, and if you think you’ll have to deal with such pain for months it might seem an impossible endeavor. However if you take it a little at a stretch things really will become easier as you get into better shape. In the long run your liver is going to thank you, as it’s going to get stronger and healthier, and before long you’ll be able to boost your working out.

Heart health fortunately can be turned around, even when there has been damage to the heart. But you must start before there is too much deterioration, and somehighly intensiveprograms will help your heart and help in other ways. Read aboutraising your metabolismon our website. Jim O’Connell is a writer and health advocate living in Chicago.

Employment Health Services And Workplace Hearing Loss

One of the major concerns regarding employment health services is noise in the workplace and hearing loss. Protecting the hearing of employees is tremendously important. Hearing loss as a result of aging is fairly common, and follows a normal pattern. However, when we are exposed to loud noise over an extended period of time, hearing loss can occur prematurely.

Hearing loss is particularly serious because it is painless, progressive, and permanent. In other words, hearing loss is often unrecognized until it is too late to correct. This is why annual hearing tests should be a regular component in employment health services.

The effect of hearing loss
Hearing loss significantly reduces the quality of life. In the workplace alone, being unable to hear warnings and other auditory signals can create serious hazards. Additionally, excessive exposure to high noise levels is also associated with:

odigestive problems
oloss of concentration
ohigh blood pressure

All of these effects can create various adverse health effects and hazards, both in and out of the workplace.

Employers can help prevent hearing loss
Employers are highly instrumental in the process to prevent hearing loss in the workplace. There are primarily three ways this can happen:

1.Identifying any noise problem may exist
2.Evaluating the extent of the potential problem
3.Devising methods and systems to control it

Recognizing the problem can be as simple as detecting the reality that workers are unable to properly communicate with another, even if only a few feet away. However, identifying the various exposure scenarios can be a complex undertaking. Exposure scenarios of the employees and many other situations make identification of a noise hazard very difficult.

One of the most important elements for a successful hearing conservation program is to get employees to buy into the program. This begins with adequate training and annual employee screening. When employees understand the far reaching consequences of losing their hearing, it is more likely they will comply with the hearing conservation requirements.

Maintain a healthy workforce with occupational health services
With years of experience and expert clinicians in occupational health, medical access clinics are focused on helping keep your workforce healthy and productive. In addition, we provide services through our highly convenient, walk-in location in Germantown, MD.

From drug screenings to wellness programs, medical access clinics offer a wide range of employment health services to support employers in maintaining a healthy, safe workforce, while reducing the costs of work injury treatment for your company and your employees.

Read Health and Beauty Reviews And Be A Popular Fashionista

If an individual longs to be a well renowned fashionista who is always looking his or her best, then Health and Beauty reviews can help

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Most individuals are at least a bit accustomed with the wide variety of new products that flood the marketplace each and every day. The difficulty with this is that sooner or later, a product that is not well known will be available in stores and will revolutionized the beauty industry, yet for some reason or another, it just basically was not on most people’s radar. And thus, many people feel foolish running to catch up with everyone else. They may even feel like the boat has currently set sail, and it is far too late to jump on the bandwagon.

Health and Beauty reviews assist persons make great beauty product purchase decisions

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Health and Beauty reviews are intended to help shoppers appear their best on a spending budget

Health and Beauty reviews are easily accessible. They are a veritable treasure trove of invaluable information that can help consumers make informed decisions about which products to buy and which ones to avoid. It can help isolate the winners, and stay away from the losers. It can help separate the wheat from the chaff, so to speak. So it is in this way that Health and Beauty reviews can help consumers stay on the forefront of the beauty industry. Health and Beauty reviews are designed with fashion conscious individuals in mind, and they try to accommodate them as best as possible. It is in this way that Health and Beauty reviews can help consumers make smart choices about the products they buy, and they can feel better about them. Health and Beauty reviews are an incredible resource that can help anyone unleash their inner diva and become a beacon in the health and beauty realm.