A Health And Medical Insurance Quote – Leaving You No Legs To Stand On!

Now look – you might well be happy walking around without any real cover, no protection against all those virulent little bugs merrily swimming through the air – but are your nearest and dearest that happy, that able to fend off such crippling attackers?

Imagine the air around you is thick and weighty, capable of supporting a mass like a swimming pool does. Now pretend the guy next to you coughs, sneezes or both – without putting his hand in front of his mouth the filthy man!

LOOK OUT – GERMS!! Swimming towards you through the air, lazy backstrokes bringing them nearer and nearer to you. You breath in, you can’t help it, you need oxygen and the influx of air grabs them and whips them deep into your lungs.

“Hmmm – moist. Warm. Food!” they think in one go and latch onto your innards and refuse to let go – infecting you and everyone else near you probably.

Now – a touch far flung and humorous I know but the concept is easy to follow – you might be happy getting every illness and bug known to man but what happens if you catch something that is seriously disabling and drains you completely. Something where you actually need treatment, drugs and care?

Yup – your health insurance kicks in and you get whisked away to a hospital where gorgeous nurses (I leave it to you as to whether or not they are male or female nurses!) tend to your every whim, fluffy pillows and duvets cocooning you in warmth as competent physicians tend your health back to a degree of solidity that a Redwood would envy.

Erm – pardon? You don’t what?

Don’t have Health Insurance or any Medical Cover?

Ha ha ha.

Oh, sorry. Thought you were joking.

Blimey – okay well, you’re not going to have much fun trying to pay for this little lot then, are you! Those nurses don’t come cheap pal and as for fluffy anything – forget that!

Now then – humor aside – (yes, that was funny! ish) hands up those who have no medical cover or insurance.

Hmm – too many.

Look guys & girls, with the fact you can now get a health and medical insurance quote online in a matter of seconds, let alone minutes, you’re mad not to be out there searching, refining and finally selecting medical insurance.

Try using a comparison website that will take your needs, cover specifics and illness details and search through literally hundreds of suppliers. They present the results back to you for you to see who’s best, cheapest, best cover etc etc etc.

Health and Medical Grants

“Health is wealth”, it is said. It is true. However, so many Americans do not care about visiting a doctor for regular checkups or even in times of trouble, just because they are unable to bear the cost of the examination. American healthcare is a hotly debated topic in the political realms as seen in the recent past of the nation’s movement. The future of the nation’s healthcare is one that is under screening. There are some who have private health insurance and they have no reason to fear unlike the millions of Americans without any coverage. For the latter crowd, government health grants can be lifesavers.

What issues are medical grants available for? Medical grants are available for nearly every type of medical condition. If you or someone in your family is struggling to pay for hospital bills, eyeglasses, health appliances, hearing aids, or prosthesis, medical grants are recommended. It could be the cost for specialized treatment that is unaffordable. This could include any therapeutic help such as therapy for drug and alcohol abuse, stroke, heart disease, cancer, Parkinson’s disease or Alzheimer’s. These grants will cover various expenses such as medicines, surgeries, fertility treatment, etc.

Medical grants that cover specific medical costs are great, but what about those Americans who need extensive healthcare that onetime health grants cannot cover? There are assistance services that subsidize the cost of health insurance and provide accessible insurance to families with low income. There are two government medical grants programs – Medicaid and Medicare. These programs ensure that all Americans, including children, have health coverage.

There are a number of medical grants available. You have childcare financial assistance, employment support programs, cash disability benefits, health care financing grant, medical research grants and scholarships, children health insurance grant, Medicare grant programs, disability insurance programs, and medical bills payment assistance programs. With the help of these grants, those suffering from some kind of disability but who wish to return to their workplace can do so without suffering any loss in health benefits. There are various employment support programs that provide Health Grants. This helps the transition process and you will not miss any of the disability grant income that you so got used to having.

Dental Health and Medical Conditions – Six Serious Medical Consequences of Poor Oral Health

All too often news reports quote some recent study that has identified another food, habit, exposure, or activity that will cause a medical problem leading to an early demise. I generally don’t worry about newly announced threats because I choose a healthy lifestyle of moderation in all things.

Then I heard that even though I feel no symptoms, my mouth could be quietly attacking many areas of my body with deadly germ warfare. This alarmed me because it does make sense that whatever we swallow will have an effect on the health of our bodily systems, so I did a little internet research of my own.

It all begins with gingivitis (early gum disease), which left untreated advances to periodontitis. According to The American Association of Periodontists, an estimated 35 percent of the population age 30 and over has periodontitis, yet many people do not even realize they have it. Periodontal disease is often silent, meaning symptoms may not appear until an advanced stage of the disease.

Periodontal disease may be silent but it can be deadly, having far more serious health ramifications than the tooth loss we’ve heard about before. It has now been shown that bacteria from dental gum disease can travel to other parts of the body and cause serious health concerns such as:

1. Heart Disease

Researchers have found that people with periodontal disease are almost twice as likely to suffer from coronary artery disease as those without periodontal disease. Studies indicate that periodontal disease may foster the development of clogged arteries and blood clots when oral bacteria get into the blood stream. Periodontal disease also has been known to exacerbate existing heart conditions.

2. Stroke

Additional studies have pointed to a relationship between periodontal disease and stroke. These studies reported that inflammatory effects from periodontal disease could cause oral bacterial byproducts to enter the bloodstream and trigger the liver to make proteins that inflame arteries. These effects may cause blood clots that contribute to clogged arteries leading to strokes.

3. Respiratory Infections

Bacterial respiratory infections are thought to be acquired through aspiration (inhaling) of fine droplets from the mouth and throat into the lungs. These droplets contain germs that can breed and multiply within the lungs to cause pneumonia and lung damage.

Aspirating periodontal bacteria is especially threatening to people who suffer from the serious chronic respiratory condition known as COPD. Periodontal bacteria can increase frequency of COPD bouts of infection.

4. Diabetes

Diabetes has long been known to increase the risk of infections, including severe periodontal disease. A study done in 1999 suggests that the relationship between periodontal disease and diabetes is a true vicious cycle – periodontal disease may make it more difficult for people who have diabetes to control their blood sugar.

Severe periodontal disease can increase blood sugar, contributing to increased periods of time when the body functions with a high blood sugar. This puts diabetics at increased risk for diabetic complications.

5. Infertility Treatment Failure

The relationship between periodontal diseases, infertility treatment and reproduction success also appear to go both ways.

Researchers found that women undergoing ovulation induction for infertility treatment for more than three cycles experience higher gingival inflammation, bleeding and gingival crevicular fluid (GCF). These effects are linked to increased levels of progesterone and estrogen hormones.

Not only can the treatment cause gum disease, several studies provide evidence that the presence of gum infection is associated with unsuccessful embryo development and implantation failure in in-vitro fertilization patients.

On a hopeful note, if dental plaque was first removed and then kept at low levels during the infertility treatment, gingival inflammation would be less likely to affect success. Fastidious oral hygiene and routine professional cleanings, likely at the beginning of each cycle would be necessary to ensure healthy gums during treatment.

6. Premature Birth

All infections are cause for concern among pregnant women because they pose a risk to the health of the baby. Research shows also that pregnant women who have periodontal disease may be seven times more likely to have a baby that is born too early and too small.

More research is needed to confirm exactly how periodontal disease may affect the pregnancy terms. It appears that periodontal disease triggers increased levels of biological fluids that induce labor. Furthermore, data suggests that women whose periodontal condition worsens during pregnancy have an even higher risk of having a premature baby.

Train Your Brain With a New $225m Market Based on Latest Brain Health and Fitness Research

A spate of recent news coverage on brain fitness and “brain training” reflects a growing interest in natural, non-drug-based interventions to keep our brains sharp as we age. This interest is very timely, given the aging population, increasing Alzheimer’s rates, and soaring health care costs that place more emphasis than ever on prevention and changing lifestyle.

This past Tuesday, the MIT Club of Northern California, the American Society on Aging, and SmartSilvers sponsored an event on The Emerging Brain Fitness Software Market: Building Better Brains to explore the realities and myths of this growing field. Before the panel, I had the chance to present an overview of the state of the Brain Fitness Software Market.

Why are we talking about this field at all? Well, for one, an increasing number of companies are achieving significant commercial success in packaging “brain exercise”. An example is the line of Nintendo games, such as Brain Age and Brain Training, that have shipped over 15 million units worldwide despite limited scientific support, since 2005. What is less visible is that a number of companies and scientists are partnering to bring products to market with a more solid clinical validation. We estimate the US market was $225m in 2007 (growing from $100 in 2005). Whereas K12 Education used to be the major segment, adult consumers are responsible for most of that growth: we estimate the consumer segment grew from a few million in 2005 to $80 m in 2007.

Who is buying these products? Yes, of course, many adults over 50 who want to protect their memory are among the pioneers. 78 million baby boomers are eager to try new approaches. A growing number of retirement communities and nursing homes are offering programs to their residents to expand their usual fitness and social activities. And we can’t forget about K12 education: certain brain fitness software packages have shown they can help kids who have dyslexia and related difficulties.

Is there science behind these claims? Do these products work? It depends on how we define “work”. If “working” means quantifiable short-term improvements after a number of weeks of systematic “brain training” to improve specific cognitive skills, then the answer is that a number of programs do seem to work. If , on the other hand, “working” means measurable long-term benefits, such as better overall brain health as we age, or lower incidence of Alzheimer’s symptoms, the answer is that circumstantial evidence suggests they may, but it is still too early to tell.

Are there any public policy implications? We certainly believe that there are. The Center for Disease Control recently partnered with the Alzheimer’s Association to develop a comprehensive Cognitive Health road map to better guide research efforts and improve public education on the lifestyle habits that every proud owner of a brain could benefit from following. Given the high rates of traumatic brain injuries and stress disorders found in a large number of the men and women coming home from the Iraq war, the military is investing heavily in research to help identify problems to develop tools to solve them, and we expect that research will translate into wider health applications. No presidential candidate, to our knowledge, has directly addressed his or her priorities in the cognitive health realm but, given the growing importance and economic impact of brain-related disorders, we expect that to happen soon.

What are some trends that executives and investors should be looking at to understand this growing market? Let me make a few predictions:

1) An increased emphasis on Brain Maintenance, from retirement communities to gyms and health clubs. Will health clubs one day offer brain fitness programs, and perhaps “brain coaches”? We think so.

2) Better and more widely available assessments of cognitive function will enable of all us to establish an objective baseline of how our minds are evolving, identify priorities for “workouts” and lifestyle interventions, and help us measure progress. Science-fiction? Not really. there are already pretty good tests used in clinical and medical environments, the challenge will be to refine and package those assessments in a consumer-friendly way.

3) We will see more and better computer-based tools, each of which may be more appropriate to work on specific priorities. Just as we find a variety of machines in health clubs today, in the future we can expect different programs tailored to train specific cognitive skills.

4) More non-computer based tools will also provide much value. There is more and more research on how meditation and cognitive therapy, to mention 2 examples, can be very effective in literally re-wiring parts of the brain.

5) Insurance Companies will introduce incentives for member who want to follow brain fitness programs. Perhaps even companies will offer such programs to employees to attract and retain mature workers who want access to the best and the latest innovations to keep their minds sharp.

Now, this being a pretty new field, many questions remain open. For example, how will consumers and institutions receive quality information and education to navigate through the emerging research and the overwhelming number of new programs, separating reality from hype?

In summary, what were the main take-aways from the event?

1. Research indicates that a number of cognitive abilities (attention, memory…) can be assessed and trained

2. An emerging market is starting to develop-growing from an estimated $100m in 2005 to $225m in 2007, in the US alone-, and is poised to keep growing at significant rates.

3. Many companies are currently selling products direct to consumers (as well as through institutions) with sometimes unclear claims – this threatens to confuse consumers and present a major obstacle to the growth and credibility of the sector.

If you are interested in this rapidly growing field, please stay tuned! There are fascinating research reports every month.