This interview is an excerpt from Kevin Gianni’s Renegade Roundtable, which can be found at http://www.RenegadeRoundtable.com. In this excerpt, Dr. Jason Deitch shares on taking responsibility for our own health and understanding the health care account option.

Dr. Deitch is the co-author of the best-selling book “Discover Wellness: How Staying Healthy Can Make You Rich.” Dr. Deitch is also the founder of Discover Wellness Center and the Chief Wellness Officer of the Master’s Circle and WellCall, Inc.

Kevin: We’re about 20 minutes into the call. I just want to remind you that you can find out more information about Dr. Jason at this address: www.discoverwellnesscenter.com. Dr. Deitch, I want to take it back to the consumer here and I want to talk about this team. This team sounds a little bit overwhelming. From someone that may be thinking they don’t have the money to be supporting a team to help with their health. What can you say about that?

Dr. Deitch: Yeah. That’s always one of the first things that comes up. Here’s my belief on this. The reality is that more people these days have a greater financial stake in their health or sickness than ever before. There’s a growing trend that I predict will continue to grow, obviously depending on what happens as our new president comes in and what policies may take place, but the reality will be no matter what happens, consumers will be at greater risk financially the more they are at greater risk with their health. Thuat’s just going to be the trend.

So what really needs to happen for people is they have to realize that their health is their responsibility. Our health is our responsibility. Up until recently I believe that the consciousness that people have had, consumers have had, is that, “If it has to do with my health it should be covered by my insurance.” It’s the only place in our economy that we believe should be free and taken care of. I think it’s our responsibility as providers to start waking people up to the facts.

The facts are that your health insurance is really more like your car insurance. Most people don’t expect their car insurance to cover gas and tires and wipers and even little minor fender-benders. Most everybody knows that if you go to your insurance if you have even a minor fender-bender, what’s going to happen to your insurance rates? They’re going to go up. So most people have been trained to Understand that. In healthcare we haven’t gotten that point across. We need to.

The trend that I predict and we write about in the book, our last chapter is “Staying Healthy Can Make You Rich” is really all about the new trend of high- deductible health insurance plans and health savings accounts. There may be some controversy about it. It’s not perfect for everyone in every circumstance but there is a large population of people that they’re great for that really could be putting pre-tax dollars into their own health savings accounts that would allow them to do one of two things. I think this is the opportunity and I think this is really where it gets, not everybody but most people most of the time are going to benefit and be able to use dollars to be able to invest in their health by using what I think of as inexpensive healthcare modalities. One of two things will happen. Either you’ll be able to use your health savings account money when recommended by a doctor for qualified medical expenses… A chiropractor is the perfect type of doctor because they tend to be holistic by nature and this ties back into creating a wellness network. So under the laws, and if those people who are using health savings accounts, when a service is recommended by a doctor, by a chiropractor perhaps, it could be a naturopath or others, that service then can be qualified, may be qualified, obviously check your laws and all of those things to not misinterpret what I’m saying, but those are qualified expenses to be paid for with pre-tax dollars. Now that gives you an instant 30 to 40 percent, depending on your tax bracket, savings on these types of services, which is tremendous.

The best opportunity really is for people to understand that when they are investing in their health and these types of services that they are in fact able to also save and kind of create an additional retirement fund. So if you’re not able to use your health savings account money, let that accumulate, you can in fact accumulate hundreds of thousands of dollars over your lifetime, if you start early enough, for your retirement. You’ll probably use this money sooner or later at some point in time, but to be able to accumulate hundreds of thousands of dollars of pre-tax dollars as an additional retirement account, gives you a very good incentive to want to do what you can to get well and stay well. I believe, as I said, for most people, most of the time, getting and staying well is a majority of the things you can do for yourself. Then you have additional support and help from those providers who can help you with the things that you can’t necessarily do for yourself.

Kevin: Right. Some people may not know exactly what a health savings account is. Can you just briefly explain that? I didn’t realize that they can accrue interest. Is that correct?

Dr. Deitch: Yes, they do accrue interest. It’s very much like an IRA or an additional retirement account of sorts. You accumulate your money. You get to keep it. It’s yours. That’s the incentive. That’s the point. And that is really the essence of how staying healthy can make you financially rich. We mean rich in all sense of the word. We know that richness in life is your ability to have freedom and freedom comes from your ability to be healthy and well and make the choices you want to make because you’re not hindered by some sort of health condition that prevents you from doing that. But financially, yes, you can retire with hundreds of thousands of dollars if you follow this program that we talk about in the book, by following these recommendations.

A health savings account is something that has recently become popular, because of new laws passed only two years ago, that is a bank account that you have to have a high-deductible health plan, a qualifying high-deductible insurance program plan that would allow you to then get a health savings account and put, every year it changes, it’s approximately 2,900 dollars per year or approximately over 5,000 dollars for a family, to put that money, pre-tax like you would a retirement account, pre-tax, into your own account that is your money. If you don’t spend it you keep it. I think that is a tremendous incentive for people to invest in their well being so they don’t have to spend it. It’s there if you need it and many of us are going to require a greater and greater security blanket. After several years you can have tens of thousands of dollars in your own account, which again is pre-tax dollars to spend on any type of healthcare or medical care that may be necessary to supplement these high deductibles 2, 3, 4, 5 thousand dollars at a time. If you’re doing this properly you’ll have that money in an account so you in fact don’t really have the risk that you may have even if you go through a traditional insurance program.

People think that if you have a low deductible, maybe 500 or 1,000 dollars, which used to be traditional, that you were in a much safer position. What people need to learn more about are these new types of plans. If you do find yourself having high expenses in many cases the low-deductible plans also may have what they call an 80/20 policy where you’re still responsible for 20 percent of your co-payments. Your out of pocket expense can add up very quickly if you were to need and use your insurance. The high-deductible plans, although you’re responsible for your first deductible, maybe 1,000, 2,000, 3,000 dollars, many of these plans cover you 100 percent once you’ve covered your deductible. So depending on your perspective and your attitude as to how you choose to use your insurance will depend on really how you use it. I think that there is a tremendous education for most people to realize that it’s far better to put that money into your own pocket, far better for you to become more responsible for your own health, accumulate those dollars, have access to any type of provider you would like to see and pay them directly for it. Because the reverse psychology is that many people, and I know people and I’m sure you do too Kevin, that go, “I pay a fortune for my health insurance. I’ve got a sniffle, I’ve got a sneeze, I’ve got an ache and a pain, I’m going to the doctor because I’m paying for it. I’m going to get my money’s worth.” There’s a lot of critics that may argue that people don’t get the care that they need. I will argue that there are too many people that are almost hypochondriacs about it because they think that they’ve got to go get care because they’re paying for it.

I just don’t think consumers are yet educated enough consumers. And that’s our job, that’s our role. I think that’s the potential that’s going to really help a new paradigm come into place. Doctor means teacher and as healthcare providers I don’t think our job is to do things to people, it’s really to teach them a better way. We will see how things evolve with our new president but there must be a better way. I promise you one thing, we can’t afford the existing system much longer.



By: Kevin Gianni

About the Author:

United Healthcare is one of the most popular health insurance companies in the whole country insuring a very large number of Americans all over the country. This health care provides five different kinds of health insurance plans, which can suit each and every person’s lifestyle.

Co pay, student coverage and health saving account are the three main kinds of policies of health insurance that apply to almost all Americans living in the United States. These three different kinds of policies of health insurance range in prices from plans that have really very low monthly health insurance premiums to plans that have almost each and every kind of coverage you could possibly need.

Co pay insurance is the first kind of health insurance policy that is provided by the United Healthcare Health Insurance. With the co pay health insurance there is a amount of money that you will very truly have to pay whenever you go to the doctor each and every time for a sick visit or even a well visit. Generally this amount of money is pretty very low and you generally pay this amount of money at the check-in desk whenever you go to your preferred doctor.

After this payment of money that means co-payment, you will not be charged for your medical exam that is the cost for your medical exam will be absolutely free, along with the co-payment people under this health insurance policy are generally eligible for prescription medicines at a price that is very truly discounted, which makes it really a very good and also a very inexpensive plan for all the people who have medicine prescriptions.

The health saving account is the very next kind of health insurance plan that is provided by the United Healthcare Health Insurance. Under the health savings account plan you are very truly charged a with a much higher deductible but at the same instant you really have to pay a much lower monthly health insurance premium. This is really a very good and profitable deal for all those people who do not often get sick because their prices will remain pretty less as far as a monthly health insurance premium is concerned.

Also, under the health savings account plan the holders of the health insurance policy will put his/her money saved on otherwise really very high rate health insurance premiums into a health savings account that will very truly pay for expenses of health care until the deductible is finally met.



By: Alien

About the Author:

An ounce of prevention towards wellness -

Learn the simple steps to living a healthier and happier life!

Concern over health and how to improve your health has become a topic more and more of us think about and try to implement in our lives. Advances in medicine have helped us live longer lives and have allowed us to overcome some of the ills and infections that used to kill many people. Vaccines have helped prevent illness and death. They have eliminated diseases like smallpox and have helped against rabies, diphtheria and the plague.

However, we have started to incur a new host of health problems due to the length of our life, the processed foods we eat, the fast paced lives we live and the chemicals that pollute our world. Every day we see new commercials on TV about the next great drug that will make your life better or healthier. But do you actually listen to the list of possible side effects. Are these drugs really helping or just creating different problems. Remember, no pharmaceutical company ever made money by curing you quickly so you could stop taking their pills.

Why wait until you feel poorly before you see a doctor that will only work on alleviating your symptoms and not on fixing the underlying problem. Start achieving wellness and begin improving your health before you get to the point you need to see a doctor. Work on improving your overall wellness.

As the old adage says “An ounce of prevention is worth a pound of cure.”

Of the leading causes of death in the United States, many can be prevented. The likelihood of contracting heart disease, diabetes, and other health issues can be directly impacted by the choices we make every day. The choices about what we put into our bodies and the choices we make that affect our personal environment.

Here are some things you can do to increase your wellness and start down the path to improve your health:

Diet and Nutrition - Your diet does a lot in determining your overall health and wellness. What you put into your body does make a difference. “It’s easy to buy into some pretty popular nutrition misconceptions — myths and half-truths that ultimately find us making far fewer healthier food choices than we realize,” says New York University nutritionist Samantha Heller, MS, RD.

Read labels, don’t trust all the advertising and always try to get whole foods and not processed substitutes.

The same goes for your supplements. Get those that are made from natural ingredients and aren’t over processed. Every vitamin and mineral and phytochemical in our body works in concert with one another, and it’s easy to knock that balance off. Be sure the supplements you are taking are balanced and introduced to your body in a way that they are usable and work together as nature intended.

Some of the things you want to make sure you get enough of in your diet are fiber, antioxidants, soy, and water. These things along with a well balanced nutritional intake of whole foods and supplements can go a long way in improving health and increasing wellness.

Weight - Maintaining a healthy weight is critical to improving health. You don’t have to be as thin as a rail - this is actually just as unhealthy as being overweight - you just need to keep the excess in check.

It all begins with attitude. Start by changing how you feel about yourself, your body and your eating habits. Change to a can do attitude where you start to do what’s right for you. Simple moderate exercise, eating a healthy breakfast (no skipping allowed), reducing your calorie intake by not taking just one more are all small things we can do to get in better health by being at a better weight.

Don’t go for the fad diets that don’t work or at best get you to lose weight for a while but then just put it back on later. A slow and steady change will help you lose the weight and keep it off and it will be much healthier for you.

Get plenty of whole foods, protein (quite often a good soy protein can give you what you need without adding fat to your diet) and drink lots of water. Water is critical to the health and wellness of your body. It helps rid you of toxic build up and it is needed for normal cell processes to work. Another side effect of water is that it can make you feel full without adding the calories so you will eat less.

Exercise - Aerobic exercise is very important to maintaining your wellness and improving your health. It has been linked to cancer prevention, reduction of osteoporosis, helping with depression, lowering the risk of heart disease and diabetes, and of course obesity and weight control. It can also help with cognitive functions - meaning you can think more clearly and work more efficiently.

Aerobic exercise makes most of us think of joining a gym or having to run several miles every day. This is just not the case. You can keep it very simple and still achieve benefits. Walking is one of the best exercises out there. It is simple, easy on the joints, doesn’t cost us a lot of money and it can be done pretty much anywhere. To get a benefit from walking, you just need to make sure that it is aerobic. That means you want to walk at a pace that leaves you feeling “warm and slightly out of breath”. One good way to start is the 5 out 5 back plan. Just walk 5 minutes away from the house and then you are force to walk 5 minutes back. Increase the time out as your health and fitness increase.

Stress Management - Most of us live with some type of stress every day. It has just become part of our lives. It has also become one reason we don’t always feel our best and why we are susceptible to feeling run down and ’sick’.

Reducing stress can help now and our long term health. Stress keeps our bodies from functioning at their best and slowly wears on us. Find way to relax, to have that ‘me’ time where the pressures of the day can be pushed aside.

Try to simplify your life. Our world has become so fast paced and ‘in your face’ - ‘do it now’ that we just don’t have time to sit and watch the clouds or the rain or…. One simple way to gain a little sanity is to disconnect from the fast pace, try just turning off the cell phone. Just leave it behind for an hour.

But, no matter how much we work on getting rid of the stresses in our life there will always be something that causes us stress. Luckily, there are ways to help us overcome the stress nutritionally.

Avoiding Toxins - With all of our advances and science and technology, man has come up with many great things to improve our quality of life. However, we are learning that some of these things that are there to improve actually produce side effects that can hurt us and our health - now and in the future.

The EPA has warned that indoor air pollution is more of a concern than the pollution we find outside. Many cleaners as well as skin and beauty products actually contain harmful toxins.

There are companies out there that do produce green cleaners that are safe for people and for the environment. Read labels and know what your beauty and cleaning products contain.

One of the best ways to maintain your health is to wash your hands. We touch so many different things with our hands things that might have been cleaned with toxins or touched by something unhealthy that by just washing, you can cut down on many unwanted health effects.

Adequate Sleep - Giving your body the sleep it requires is a great way to keep it healthy. During sleep your body regenerates and rejuvenates. It is absolutely imperative to get enough sleep, but getting more doesn’t always mean you are getting better quality sleep.

Quit Smoking - Despite the many warnings and the known health risks smoking is still prevalent around the world. Quitting this habit can not only improve your health drastically and improve your chances of preventing future disease; it can relieve you of a financial burden. Just think if you applied all the money you spend on cigarettes on healthy nutritional supplements how much you could increase your health and wellness.

Its not always the difficult path that is required for change. Quite often making a few simple changes in our lives can make dramatic results.

Think about it!



By: Michael Tomberlin

About the Author:

New York Health Insurance

Health insurance is insurance that pays for all or part of a person’s health care bills. A health insurance policy is an annually renewable contract between an insurance company and an individual. With health insurance claims, the individual policy-holder pays a deductible plus co-payment (for instance, a hospital stay might require the first 1000 dollar of fees to be paid by the policy-holder plus 100 dollar per night stayed in hospital). Usually there is a maximum out-of-pocket payment for any single year, and there can be a lifetime maximum.

The purpose of health insurance is to help people cover their health care costs which usually include doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services.

According to the latest United States Census Bureau figures, around 85% of citizens have health insurance. 59.5% of these people receive their health insurance coverage through an employer, and about 9% purchase it directly from the market. Government sources cover 27.3% of the population. Those without health insurance coverage are expected to pay privately for medical services.

Types of New York Health Insurance (http://new-york.ixs.net/General/New-York-Health-Insurance/index.aspx ) The types of health insurance in New York are group health plans, individual plans, and government health plans such as Medicare and Medicaid. In the United States, government-funded Medicare programs help to insure the elderly and end stage renal disease patients.

Group Health Plans

A group health plan offers health care coverage for employers, student organizations, professional associations, religious organizations, and other groups. The employer may pay for part or all of the insurance cost (premium).

Individual and Family Health Insurance

Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. These types of health care plans are sold directly to individuals. For those of you who are unemployed or self-employed, an individual health insurance policy is always an option. Unfortunately rates for these policies are high and the coverage is usually less comprehensive than a managed care plan. The good news is that, in many cases, your insurance premium will be tax deductible. Of course, if you’re married, you can always try to catch a ride on your spouse’s group health insurance benefits plan.

Health insurance can be further classified into fee-for-service or indemnity (traditional insurance) and managed care. Both group and individual insurance plans can be either fee-for-service or managed care plans.

Managed Care Health Insurance

These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you’ll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.

There are three main types of managed care plans:

• Health Maintenance Organizations (HMO)

• Point-of-Service (POS)

• Preferred Provider Organizations (PPO)

All of these plans offer substantial health insurance benefits to members and their families. If you’re fortunate enough to have a choice of plan, consider the advantages, and disadvantages, of each. Compare the cost of care, the difference in premiums, deductible amounts and your freedom to choose a doctor outside the plan. There are numerous other coverages to compare as well — from prescription drugs to dental to alternative therapies. Be sure you understand the fine points of each.

Indemnity or Fee-For-Service Plan

Normally it covers the same expenses as managed care. The difference is your doctor is paid for each visit with the claim filed by either the patient or the medical provider. A big advantage– unlike some managed care plans, Fee-for-Service allows the patient a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.

However, you’ll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.

Short-Term Health Insurance

Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care. It covers for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA (Health Insurance Portability and Accountability Act) Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise.

Medical Savings Account (MSA)

Medical savings account (MSA) is the most recent development in the area of health insurance. The principle behind the MSA is to take the bulk of the financial risk, and premium payments, away from the managed care and indemnity insurers, and allow individuals to save money, tax free, in a savings account for use for medical expenses. Individuals or their employers purchase major-medical policies, medical insurance policies with no coverage for medical expenses until the amount paid by the patient exceeds a predetermined maximum amount, such as 2500 dollar per year. These policies have extremely high deductibles and correspondingly low monthly premiums and the participants take the money that they would have spent on higher premiums and deposit it in an MSA. This money accrues through monthly deposits and also earns interest, and can be spent only to pay for medical care

What’s The Best Health Insurance Plan?

There is no one “best” plan for everyone. The best match for you and your family may be different than the best match for someone else. In order to help you answer this question, here are a few things to consider:

1. Are you going to need long-term coverage or just something for the short-term?

If you’re between jobs for 1-6 months, you may want to go for short-term coverage options. Alternatively, if you have no prospects of receiving group health insurance coverage through an employer, you may value the stability and increased benefits offered through an individual and family health insurance plan which will provide longer term coverage.

2. Are you looking for basic coverage or more comprehensive coverage?

Some insurance plans offer basic coverage (i.e., primarily inpatient hospitalization and outpatient surgery coverage) to cover you in case of a major accident or illness. These insurance plans typically have a lower monthly premium than plans with more comprehensive coverage, and may be appropriate for people who intend to use their insurance primarily in the event of a serious accident or illness. Other insurance plans that offer more comprehensive coverage may include benefits such as preventative care, physician services, prescription drug benefits and routine office visits. These insurance plans typically have a higher monthly premium than plans that only offer basic coverage, and may be appropriate for people who intend to use their insurance on a regular basis.

3. Would you pay for your services before you use them or when you use them?

If you choose a health insurance plan with a low monthly premium, you’re likely to have a higher co-payment or deductible. If you don’t anticipate making frequent use of your health insurance coverage, a higher-deductible plan with a lower monthly premium may suit you best.

4. How important to you is easy access to specialists?

Health insurance plans that require you to coordinate your care through a primary care physician typically require that you obtain a referral before seeing a specialist. So, if you prefer easier access to specialists, you may wish to consider a different type of plan.

5. Do you have a specific doctor or hospital that you would like to visit for healthcare?

Some insurance plans utilize provider networks. Pay special attention to the network of doctors or facilities that each health insurance plan utilizes. Also note that networks utilized by health insurance plans can change, so there is no guarantee that your doctor will always be contracted with your chosen health insurance plan.

6. What is the most you could pay out in case of a serious illness or injury?

Health insurance plans typically place limits on how much a member is required to pay out per year for his or her healthcare. This limit is often referred to as an out-of-pocket maximum. Once you’ve contributed this maximum amount toward your healthcare, the health insurance company typically covers all other costs for the remainder of the benefit year. If you’re concerned about what may happen to you in case of a serious illness or injury, you may wish to pay special attention to the out-of-pocket maximums for the health insurance plans you’re considering.

No matter what insurance plan you may choose, educate yourself and understand all the basics of the health insurance before finalizing anything.

For more information about New York Health Insurance visit: http://new-york.ixs.net



By: Maria

About the Author:

Upon graduation from high school, there is no doubt that you will surely start your tertiary education in college or university. At age twenty, children will not be covered by health insurance of their parents and this can be disastrous if they are merely study and do not do part-time job. Some universities or colleges may have insurance plan offered to students. These insurance may not answer all your needs but you need to be meticulously considered it.

Most of the universities and colleges offer student health insurance plans. These plans should absolutely be at reasonable price, and can give you the school’s nearest hospitals. This option is one that you should definitely think of, if your son or daughter is enrolled in a college far away from home.

College health care scheme may vary from college to college due to laws and some other factors. Many students may think medical services are free of charge, but it is not always true. In term of clinic visit or routine checkups they may be free, however students still require to pay for special kinds of lab tests and other specialties such as x-rays, prescriptions, and a wound treatment. Compensation usually covers some types of service stated in the health care offered at college health centre. When you are referred to see an outside doctor, then the coverage will cover only 70% of your total expense and you are at risk to pay high medical cost.

You may have a problem getting treatment at the campus health centre if you have pre-existing condition. Having a pre-existing condition or illness does not mean to prevent you from obtaining health insurance plan, but you may not be eligible to have your treatment on your pre-existing condition. It can be troublesome if your new symptoms develop from a pre-existing one.

Health schemes are different, so be sure you find out everything about your health insurance plans. Be sure that your health plan stretch to summer break when you or your child do not take classes. This is vital for you because you don’t want to find out that your health care does not cover when you need it most. Some college health insurances may not cover during summer break, while others do.

Be certain that you study your plan thoroughly. Is it an HMO, or can the member utilise any service provider they went? This is critical. You need to know where you can go in case of emergency, and there is nothing worse than discovering that you will have to pay off the bill yourself.

There is no definitive solution to whether you should or should not commit yourself to college health insurance. Be certain that you study your plan thoroughly so that it answer to your need when you need it most. Although there is no free health insurance scheme, surely it will save you a lot of money in time of illness or accident.

For more information, please visit http://www.health-care-central.com



By: Health Care

About the Author:

There are many facets to the world of mental health, especially when it comes to health insurance and finding adequate coverage for a variety of afflictions and disorders. We’ve put together some answers to some of the more common questions revolving around these topics for you below.

Do most health plans include mental health coverage? The answer, simply put, is yes. The vast majority of insurers and health plans cover at least a limited amount of mental health care.

According to a recent employer survey published in the journal Health Affairs: •91 percent of small firms (10-499 employees) and 99 percent of large firms offer mental health and substance abuse coverage in their most used medical plans. •Mental health and substance abuse coverage was included in 87 percent of indemnity plans, 88 percent of HMOs, 97 percent of Point of Service (POS) plans and 93 percent of Preferred Provider Organizations (PPOs).

It is commonly acknowledged today, in 2006, that most employees who have employer-based health insurance have access to mental health coverage, and many of the employees who don’t have coverage have simply chosen not to join an employer’s plan that includes mental health services.

Does mental health coverage cost more? Yes, this is generally the case. There are limits to mental health coverage and the reason why most employers impose limits is due to cost. Estimates vary widely of how much more mental health coverage costs. Here are some results from some studies:

•A 1998 study sponsored by National Advisory Mental Health Council (NAMHC) Parity Workgroup, a division of the federal National Institute of Mental Health, estimated that mental health services would add less than 1 percent to the cost of a health insurance policy for an HMO.

•A 1998 study by Mathematica estimated a 3.6 percent increase across all plans, with a range of 0.6 percent increase for HMOs up to a 5 percent increase for fee-for-service plans.

•A 1997 analysis by the actuarial firm Milliman & Robertson for the National Center for Policy Analysis, examining the cost of a typical mental health mandate (not specific legislation), concluded that mental health services parity legislation tends to drive up costs by 5 percent to 10 percent. With regard to mental insurance in general, how do insurance companies treat mental illness? Insurance companies tend to be somewhat wary of mental health claims due to the increase of fraudulent claims. When Medicare looked for fraud in the community mental health centers last year, it barred 80 of them in nine states from participating in the program.

The Health Care Financing Administration (HCFA), which administers Medicare, knew something was amiss when the average yearly cost for each senior getting mental health services jumped from $1,642 in 1993 to more than $10,000 by 1997.

Medicare administrator Nancy-Ann DeParle contended at the time that 90 percent of the patients had no mental illness serious enough to qualify for special treatment.

That being said, it’s straightforward to understand why there is trepidation on the part of health insurance providers.

What mental conditions are typically covered, and not covered by health plans? Generally speaking, a health plan pays for only those services included in the plan’s list of covered services. In the case of mental health services, inpatient and outpatient treatment are most often covered by health plans.

However, there is a continuum of services between inpatient (mental health clinic) and outpatient care that effectively treat many mental disorders and are often more cost-effective than inpatient care at a mental health clinic.

These intermediate services include nonhospital residential services, partial hospitalization services, and intensive outpatient services such as case management and psychosocial rehabilitation. Psychosocial rehabilitation includes pharmacologic treatment, social skills training, and vocational rehabilitation.

Such services are covered by approximately half of employer-sponsored health plans. Prescriptions. Are they covered? Coverage of prescription medications is also important in providing access to treatment for mental health disorders. And, on a positive note, Prescription medications are nearly always covered by health plans (U.S. Department of Labor, 1996; 1998), but this coverage is sometimes limited by formulary restrictions.

Check with your healthcare provider for the exact details on what applies to you and your family with regard to your specific circumstances.



By: Kurt Stammberger

About the Author:

Holistic remedies help thousands of people worldwide to overcome problems ranging from more serious diseases to the common cold. Holistic Therapist Nitchara Yimsuk answers some frequently asked questions, and tips us off about a versatile treatment called moxibustion.

What does holistic mean?

In holistic treatments we look at the whole person - physical, emotional and spiritual - rather than just treating the symptoms of the problem. We consider a person’s mind and body, diet and exercise, lifestyle and relationships, work and leisure, achievements and problems. Imbalances in any of these areas can contribute to illness.

Where do holistic treatments come from?

Holistic medicine is also known as alternative, integrative or complementary medicine, as it complements conventional practices. It may include, but is not limited to, the following disciplines: spiritual, religious, newly developed approaches to healing or pre-modern medical traditions. Chinese medicine, for instance, follows the holistic principle.

How do they work?

There are many approaches, from energy healing to the use of natural and plant products. The Taoist principles, on which Chinese medicine is based, stress the oneness of everything, the inseparability of solid matter and energy, the fact that there is a common source of all phenomena and experience.

What are some of Chiva-Som’s most popular holistic treatments?

The Detox Retreat is popular. It includes the Cleansing Diet, Colonic Hydrotherapy, Chi Nei Tsang and Acupressure Reflexology. Also high on the list are Flower Essence, Homeopathy and Moxibustion.

What is Moxibustion?

It’s a treatment from Traditional Chinese Medicine in which the herb Moxa Punk is burned on or above the skin at acupuncture points. Sometimes we use other herbs.

How does it work?

The heat warms the blood and the qi (the life force), which improves the flow within the energy channels of the body. Sometimes Moxibustion is recommended as a stand-alone treatment, at others it has a synergistic effect with acupuncture.

Why is it so effective?

The Moxa leaf is bitter and acrid and its nature is pure Yang. Depending on the amount used it produces a gentle warmth or a strong heat and expels cold and dampness.

What is Moxibustion recommended for?

It’s varied. It may be used in the treatment of acute diseases, cold syndromes, diseases of the channel and exterior syndromes, or chronic syndromes and diseases of the viscera (the internal organs). It’s frequently applied in treating arthralgia due to wind-cold-dampness. Also Yang collapse syndrome; Chronic Dysentery, Asthma, Phlegm Retention and Flaccidity Syndrome. It’s also good for some external syndromes, such as carbuncles and the common cold. Additionally, it can work in general health maintenance and disease prevention.

We hear it’s also useful in pregnancies?

Yes, Moxibustion has been used for centuries in China to turn breech babies. The theory behind this practice is that the heat travels up the bladder meridian, which is linked to the uterus. Additionally, it’s useful in treating some Gynaecological Diseases - such as Dysmenorrhea, Prolapse of the uterus, and Leucorrhoea - and Infantile Diseases, including Enuresis and Diarrhoea. Moxibustion is very versatile.

What are the latest holistic treatments that Chiva-Som is offering?

Vacuum-Cupping Massage and the Emotional Freedom technique are both new, and also Maya Massage, which is part of the Detox Retreat offered in the Spa.

How can people find out more about these remedies?

They can consult the website (www.chivasom.com), where there’s a list of holistic treatments and a brief description of each, or they can visit us here at Chiva-Som. All guests are welcome, and we are willing to make initial consultations for every individual who comes.

Our team of Naturopath Doctors and Practitioners work in a very secluded and peaceful environment.



By: Chiva-Som International Health Resort

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By: Valipat Munpan

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Your health is undoubtedly your most valuable asset. So with that in mind how do you protect your health ?

Yes you probably have health insurance to look after your health if you become ill and car insurance to take car of you should your health suffer as a result of a car accident. But isn’t that paying someone else to look after your health after things go wrong ? A bit like closing the stable door after the horse has bolted ? What are you doing, or, what should you be doing to look after your health right now ?

Do you get regular health check ups ? Do you exercise & eat all the right foods that are beneficial to your health ? Do you use health care products such as health supplements ? Do you smoke, drink or take drugs ? Are you aware of how these habits affect your health ?

I’m willing to bet that you make darn sure you look after your children’s health, making sure that they are not doing anything that is going to cause long term damage to their health ? But who is watching your health ? Who’s making sure you are not doing anything to damage your health ?

Health is probably something we all take for granted & only realise how important our health is when we are ill or someone close to us is suffering from ill health. However if we all do nothing in regard to our health now, waiting until we begin to suffer from ill health & then trying to do something about it may be too late as we may have already done irreparable damage to our health. If you could do something now to prevent one of your assets diminishing, such as your bank balance, your home or your car would you ? Yes of course you would, so what about your most valuable asset, your health ?

Well it’s about time that someone took control of your health, and that someone is you ! Take control of your health now and make sure that valuable asset, your health, is well and truly looked after. Here are some suggestions that might help you to look after your health:

1. Get regular health check ups. If you have a good health insurance these are probably insisted upon. After all we all give our cars regular “health” checks, isn’t our health more important than the health of our vehicles?

2. Make sure you eat a healthy diet. Even if you don’t need to loose weight the right diet can help to improve your health.

3. Take regular exercise. 30 minutes a day at least 5 days a week, even if it’s just a couple of 15 minute strolls, that’s not to great a chore to protect a valuable asset - your health.

4. If you smoke, stop now ! This is probably the best thing you can and ever will do for the sake of your health.

5. Cut down on your alcohol intake. Stick to the recommended guidelines for sensible drinking - for your health’s sake.



By: John Mac

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many people are turning to health alternative therapy and medicine. Different types of therapies are used as health alternative therapies. Generally, these therapies are done to treat the diseases that ail people. According to a survey, almost each alternative therapy used to cure human health is also used for canines.

If you want to learn about the alternative therapy, then look for health alternative therapies on the internet. A number of therapies come under the umbrella of alternative therapy, such as acupuncture, homeopathy, herbal treatments, massage, and nutritional supplements. Many physicians suggest massage therapy as a health alternative. Massage therapy is considered a health alternative, because it helps you decrease the level of hormones in your body. There are a number of benefits of the massage therapy, as it relieves pain, boosts immune system, and increases circulation in your body.

Acupuncture as a health alternative therapy is also an effective therapy. The acupuncture therapy consists of inserting superior needles into specific areas on your body. This therapy is done in order to balance the flow of power in your body. Acupuncture therapy is an olden Chinese practice, which is always used to control disease and treat unending ailments.

A number of health alternative medicines and techniques are available in the drugstores. Tea with Tulasi leaves and ginger is also considered the best health alternative medicine. Fasting for a day due to stomach pain is also one of the health alternative techniques. This technique is used by people for a long period of time.

Many people these days try natural health alternative therapies for the strong health. Some of the most common natural health alternative therapies are messaging your temples to relieve a headache, listening to your car radio to de-stressing during a traffic jam, or applying an ice pack to a sprained ankle. People are using all these therapies for a long time as an alternative for medicinal therapies.

According to survey made by the World Health Organization, about 80% population of the world relies upon health alternative therapy as a basic form of health care. More and more people these days are turning to health alternative therapies, because the conventional medicines are unable to solve all of the health problems. Another thing is that this system of medicine is creating many health problems instead of solving them.

Acupressure as a health alternative therapy is considered one of the best health alternative therapies. It is a traditional Chinese medicine physical technique, which is similar to the acupuncture therapy. This therapy includes placing bodily pressure by elbow, hand, or with the help of different devices on various pressure points on the surface of your body. This therapy is done in order to bring greater balance and circulation of energies in your body. Apart from that, this therapy is also tried by many martial arts in China for health purposes as well as for self-defense. The most significant feature of the health alternative therapy is that it treats you as a natural entity instead of treating just a particular disease. Several scientific researches have also proved that health alternative treatments are more successful, more reasonable, and less inexpensive.



By: Caroline James

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