Archive

Posts Tagged ‘Health Insurance Industry’

May
12

Looking around the journals published so far in 2010, it’s clear the research community is finally beginning to challenge the assumption that America should be medicated. If you listen to the pharmaceutical industry and the doctors who are paid to stand up and promote drugs as the best treatment for any disorder, you will hear a consistent pattern of propaganda. All our products have the FDA seal of approval. The clinical trials show our products are safe and effective. The health insurance industry pays most of the price for our products. Take our pills and get better. Indeed, when it comes to the top-selling sleeping pills, there are record numbers of prescriptions being written by doctors. The reason? Well, its not hard to suspect stress levels are increasing thanks to the recession. Unemployment is high. Credit levels have been reduced, There are foreclosures in every neighborhood. That’s bound to make sleep more difficult. What’s curious about the new records being set in the number of prescriptions is the additional financial burden this places on families when they can least afford it, and the implied assumption that sleeping pills can cure the underlying social and economic problems causing the stress.

The Journal of the American Medical Association reports talk therapy is more effective than sleeping pills. The research team gave the participants sleeping pills alongside therapy sessions and measured which had the better outcome. Because the talk asked why people were finding it difficult to sleep and discussed ways of resolving problems, people with the therapy sessions had better sleep than those on pills. This follows on research testing the effectiveness of cognitive behavioral therapy which teaches people how to change their habit patterns to restore sleep. Therapists encourage people to avoid naps during the day, adopt a set routine for going to bed, and physically change the bedroom to minimize light and noise that might disturb sleep. When combined with techniques to address the cause of stress and relax, CBT has consistently been found to outperform sleeping pills.

When you look at the statistics, there can be little doubt we use too many sleeping pills. Add in the increasing use of online pharmacies which supply drugs without the need for a prescription, and the scale of reliance on sleeping pills is almost certainly worse than we imagine. Why should we care? Because all the sleeping pills on the market can cause dependence. As people continue to take them, tolerance builds and the pills actually become less effective. Increasing the dose confirms the dependence and can lead to unwanted side effects. Yes, ambien is one of the better pills and there are fewer problems with its use, but if your insomnia has been disrupting your life for six months or more, you should consider undergoing therapy first. CBT is clearly the best. To help you focus during this learning period, your doctor may offer the use of a sleeping pill. If you decide to accept, ambien is the best but you should only take it for a few weeks at low dose. The long-term restoration of sleep is going to come from the therapy. Although this is a short-term cost to meet, your life will improve with natural sleep and your finances will be better of without having to buy sleeping pills for the rest of your life.

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Apr
08

As is always the way when it comes to medical matters, the first step is diagnosis. The patient consults his or her regular doctor and, if a specialist’s opinion is required, there will be a referral to a psychologist. The patient is the primary source of information about symptoms – most of the symptoms will be obvious physical behavior including increased heart rate, faster breathing, sweating, etc. shaded by subjective factors offering an insight into what has triggered worries of this level of intensity. In deciding whether this is a true case of anxiety disorder, the anxiety must have become persistent and significantly affect the quality of life. A key factor is whether there is a genuine and continuing reason for the anxiety. If the anxiety is not completely rational, it will be considered a disorder. However, the diagnosis and subsequent decisions of treatment can be complicated if there are social or physical contributions to the anxiety state. If the person is going through a long-running divorce or finds the work environment stressful, it may be necessary to resolve those problems first. Only then can the doctor see whether the anxiety is sufficiently irrational to justify treatment as a disorder. Similarly, if there are serious health problems including alcoholism and substance abuse, it will be necessary to treat those conditions. It may well be that, as the health issues are resolved, the anxieties reduce. If the patient has been through previous treatment, it will be very important to review exactly what happened and, if possible, decide why that treatment was not successful. It would be a waste of everyone’s time to repeat what was done before. Then comes the decision on finding a balance between medication and psychotherapy. The pressure from the health insurance industry is to find the cheapest solution. Experience has shown the premium rates rising fast and, to maintain profitability as the number of people carrying insurance falls, treatment options costing the least are encouraged. Doctors, the clinics and hospitals are also coming under financial pressure. A lot of time and space is required to provide one-to-one psychotherapy. This forces the for-profit medical profession to prefer medication. Why is this a bad outcome? All the research shows therapy and counseling as significantly more effective than the use of drugs. Indeed, the only effect of a drug like xanax is to help the patient feel comfortably numb. Anti-anxiety drugs do not solve the underlying problems causing the anxiety. Their only purpose is to help keep the anxiety under control. But without the necessary therapy, patients have nowhere else to run and hide. They are effectively pushed down the route of dependence on drugs to live the rest of their lives with some peace. While this is great for the pharmaceutical industry because it now has millions of customers depending on its drugs, it is completely against the interests of the patients. They have the continuing cost of the drugs as a drain on the family budget, and the threat of withdrawal symptoms adding to their psychological difficulties if they attempt to stop. This is not to say that xanax is in any way a bad drug or that people should not take it. But it was only designed for short-term use. Potentially taking it for years is not in the patients’ interests.

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Aug
30



Health insurance has become one of the largest monthly expenses for the vast majority of Americans. Not only has it become quite expensive, but for many, health insurance isn’t even available because they simply don’t make enough money to fit health insurance into the budget. This has left hundreds of thousands of Americans without adequate health coverage, including many children. For these reasons, health insurance has also become one of the biggest concerns for most people in the coming elections. So, why has health insurance become so expensive?

The first thing you need to understand about health insurance companies is that they are businesses whose sole interest is to make money by providing a service. In order to make money, these companies must turn a profit by bringing in more money than they spend. In today’s regulatory environment, along with the increased number of lawsuits related to health care, the cost of doing business in the health insurance industry has skyrocketed. These companies, in turn, have had to raise rates to accommodate those additional costs in order to keep making a profit.

That’s not to say that health insurance companies are completely honest with you about just how much health insurance is going to cost you. Most health insurance companies quote premiums based on age. You’ve seen the television ads that offer health insurance for a mere $129 per month for a 29 year old non-smoker. While that sounds like a very reasonable rate, there is more to this than meets the eye.

In order to get the rest of the story, so to speak, you’d need to look at the actual policy and the so-called “fine print.” In order to qualify for that low $129 rate, you’d have to be a perfectly healthy person whose never gotten sick in the past and have absolutely no reason to need health insurance in the first place. In short, they can offer this rate because there is little to no risk that the company will have to pay out any kind of benefit to this person.

Another thing you might not notice from just watching the advertisement is the size of the deductible. For the rate mentioned above, the deductible is likely to be somewhere around $1000. For other policies, the deductible can be as high as $5000.

So, what is a deductible, you might ask? The deductible in an insurance policy is the amount of money you must pay out of pocket before the insurance company will start paying out benefits. Usually, the deductible does not apply to all health care expenses, so you have to pay careful attention as to whether the policy is worthwhile in your particular situation. In some cases, you would spend less money just paying for health care services out-of-pocket than actually purchasing health insurance because of the deductible.

Another thing that might raise the price of insurance coverage is a pre-existing condition. This is any condition that existed before you purchase coverage with any specific health insurance company. In many cases, you may not be able to get coverage for that condition at all, unless you can prove that you have had continuous care for that condition during the time in which you had no insurance. Even if it is covered, you can be assured that it will cost you more money for it.

Because of all of these variables, most people wind up with far higher premiums than those low rates advertised on TV. In some cases, people may not even be able to get insurance at any price, due to the perceived risk to the insurance company. In many cases, the resultant premium is just simply too high to fit into an individual’s budget, and so they continue on without health coverage.

High insurance premiums are a fact of life in these times, and are likely to remain so for a long time to come. The only way to change this is to fundamentally change the approach to providing health care in this country, by socializing the health care system. This, however, comes with its own set of problems that can be worse than the current system in many respect. The bottom line is that there are no easy answers to solving the health care problems in this country. The only thing you can do is to be aware of all the issues surrounding the problem and make your decision based on facts, and not what the talking heads on television are trying to tell you.

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