Jul
13
2019

Why You Need Health Insurance – Understanding the Importance of Health and Medical Insurance

Why is having health or medical insurance so important? There is certainly a misconception that medical insurance is only for the elderly and older folks. Many young adults and even some middle aged adults have this misconception that since they are still healthy and without any illness, they do not need this security blanket that a health insurance policy provides. Their argument is that the premiums are high and that they are not getting anything in return if they do not make use of the policy.

Perhaps, these people are ignorant or have not heard or read of young and healthy people who without any warning, suffer a health attack or succumb to cancer. This is not surprising considering the hectic lifestyle and the regular intake of unhealthy food in this fast moving world that we live in. In addition, unforeseen accidents, minor or major can happen anytime. Breaking an arm or a leg can happen anytime while playing basketball or football. In the tropics, many people young and old falls victims to dengue due to mosquito bites. Considering the rising cost of medical care, hospitalization, surgery and medicines, a visit to the hospitals for treatment can indeed set back your hard earned savings if you are not covered under a health insurance plan.

A well meaning financial planner will advise that a financial plan which would include managing your investment risks will not be complete without a comprehensive health and medical insurance policy with critical illness coverage and hospitalization and surgical (H&S) coverage. Indeed, a financial investment plan can be derail if one should suffer the tragedy of succumbing to any life threatening illness such as cancer, diabetes, etc causing the person to lose his job and income before the financial goal of his investment plan materialize. The cost of treatment which may be exorbitant from the hospital expenses and surgery needed would cause you to use up the emergency funds and in the worst scenario may require you to withdraw from investment program before it mature if a medical policy was not purchased earlier. One should realize that hospital treatment cost these days include not only surgery and medication but often diagnostic tests involving sophisticated equipments, physiotherapy, etc. hence, the rising exorbitant cost of medical treatment.

One reason why many people do not purchase a health and medical insurance is due to the opinion that their employers have already provided the medical coverage. They may not be aware that once they leave their company, the coverage will cease. Hence, they may be caught in a bind if they are terminated during an economic downturn. Premiums for this kind of policy are lower if you purchase coverage at a younger age and when you are still medically fit. Those who insure themselves when they are older and not medically fit may have to pay higher premiums or are subjected to certain exclusions. Older folks and those who have some form of illness will therefore find themselves in a very precarious position if they are terminated from their job and are without medical insurance.

In summary, having a health and medical insurance is important as a security blanket that you need to buy but hope never to have to use. A health plan will give you the necessary assurance that you have the finances when the need arises.

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Jul
06
2019

Mental Health and Medications or Meditation

It is up to you and your physician to determine if medication is right for you and always consult with your medical doctor before making any changes. I hope this article will give you a few things to think about and to discuss with your doctor.

Our world is filled with a quick fix for everything. If you have legs that are a little restless there is a pill, and if you feel a light blue, but not dark blue then there is a medication, and if you feel dark blue, there is a medication for that too. If you are not sleeping there is a pill and if you are oversleeping there is a pill. It seems like for every emotion, every tingle, every feeling, there is pretty much a medication for it. The bottom line is meditation can help with so many of these simple symptoms.

Many people wonder when to meditate and when to medicate. Well that is a fairly simple question to answer. People with a severe mental illness who do not seek medication are usually playing with a time bomb. Bi-polar, severe depression, schizophrenia all require medication for a person to maintain stability. Of course, some people can get by with herbal supplements and vitamins but most people with severe mental health diagnosis probably need medication along with meditation.

If you are a person that has mild to moderate depression or anxiety, or have insomnia then you are a great candidate for natural treatments and meditation would work well for you. Studies have concluded that meditation helps with insomnia, yet people with insomnia rarely use meditation, rather they are too busy trying to find a medication that can offer them sleep or complaining about how restless their sleep is. Yet, when asked if they meditate most of them say no.

Studies have also suggested that meditation helps with mild to moderate depression and anxiety. So if studies show that meditation help with insomnia, why are insomniacs not mediating? There is a variety of reason but the bottom line is, it takes time to create a habit and meditation takes about 20 minutes a day and some people just don’t want to spend that 20 minutes meditation when a pill only takes 60 seconds.

Meditation does healing that medication can’t even begin to produce. It offers silence which helps the cells in the body heal themselves naturally especially the central nervous system. So any chemical imbalance in the body can be resolved simply by practicing inner silence. In addition, meditation allows your attention to become from forms of negative thinking which in turn allows negative thoughts to lose momentum and dissipate eventually.

Depression and anxiety can be easily reduced by combining meditation and some form of therapy whether it is a life coach, a spiritualist, a emotional wellness practitioner or a counselor, the integration of some form of talk and meditation really can reduce if not alleviate many symptoms.

You see meditation tends to focus on relaxation, concentration and awareness, and talk therapy of some sort focuses on looking at and possibly changing the emotions and beliefs that create anxiety and depression.

Only you and your doctor can decide what you need to do and when to medicate when to medicate however, if you want to use meditation and be serious about it, and use it to really cure yourself, you must be diligent. If you have to be on medication, you can still add meditation to help ease symptoms that medication simply cannot provide. The key here is to do meditation and for at least 20 minutes a day, and you have to believe, you are worth that 20 minutes a day.

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