Major Medical Health Insurance Saves You From Financial Catastrophe

Major Medical Health Insurance Saves You From Financial Catastrophe

Major medical health insurance, or the catastrophic plan, as some insurance agents call it, saves you from the catastrophe of paying high medical bills just in case you need medical attention, whether it incurs inside or outside of the hospital. This health insurance plan is a good option for consumers who do not want to pay for some part of the insurance coverage that they believe they don’t really need. Low monthly premiums or payments and high deductibles are what this health insurance plan is all about. It comes with certain limitations or restrictions, but such policies usually cover coverage for health care in cases of extreme illness that require a huge amount of money, including the hospitalization.

Most major medical health insurance offers coverage on certain expenses such as surgeries, intensive care, lab tests, diagnostics, x-rays, and hospital stays, but may come with certain limits on room and board. Most of them also offer professional medical expenses for doctors, private nurses and the purchase or lease of hospital medical equipment. However, there are times when the coverage offered does not come with coverage of prescription drugs and medicines as well as regular doctor visits. That’s why most insurance agents sell this type of plan in combination with a comprehensive health plan that has coverage for preventative care.

The best candidates for the insurance plan are young adults in their 20s and adults between the ages of 50-65. Why them? Because most young adults at that age usually don’t have a health insurance being offered by their employers or possibly because they are self-employed or are still studying and do not have a job. On the other hand, older adults that belong to the 50-65 age range are either up for retirement ad would lost their insurance coverage from their …

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Obesity Health Issues Account For Major State Expenditures

Obesity Health Issues Account For Major State Expenditures

Overweight related health issues account for a major portion of the state’s medical care expenditures. Research have shown that more than 13% of the country’s Medicare expenditures about $120 billion are related to obesity, primarily due to type 2 diabetes, coronary disease and elevated blood pressure. The nation’s Institutes of Health estimates the yearly value of treating weight related conditions diabetes, coronary disease, osteoarthritis and breast and colon cancers is at least $120 billion. The general public pays about $40 bill a year for obesity through Medicare and Medicaid programs. Overweight-related conditions cost companies more than $12 billion a year due to higher Medicare function and medical claims, lower productiveness, increased absenteeism, and higher health and incapacity insurance charges. Studies have shown that large and overweight people had yearly doctor’s bills up to $1,500 higher than people with a good weight.

A study in Health Affairs determined that weight problems bad eating habits and / or absence of physical activity raise a person’s Medicare costs by 40% and medicine costs by 75% compared with the overall population. Another study shows employed adults revealed that overweight staff are absent from work significantly more frequently than employees with acceptable weight levels. Obesity is an avoidable and treatable condition, but it’s a health danger, and when not correctly managed by the individual, obesity becomes terribly dear for everybody, especially for clients. An Equal Opportunity Threat America is facing an obesity pandemic: nearly two thirds of the U.S.

Adult population is either large or overweight. The difficulty grew seriously between 1990 and 2000, in which time a large percentage of overweight US citizens doubled.

The issue is not restricted to adults only; obesity is rising among kids and teens also.

Between 1980 and 2002, the amount of overweight youngsters ages 6 to 19 tripled …

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