Archive

Posts Tagged ‘Health Insurance’

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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May
03

Over the last eighteen months of the recession, a new term has emerged from the pages of academic textbooks and into the public consciousness. This is “moral hazard”. As applied to banks, large insurance companies and other financial institutions, the debate runs along the following lines. If the free market applies, businesses that fail go through bankruptcy. The market does not forgive bad decision making. So when the state proposes to bail out failing businesses, it distorts the market. Worse, if decision makers believe the state will bail them out, it changes the way in which they take decisions. They can be completely reckless, gamble with the investors’ money, and still have the government rescue them. The morality of their behavior is changed by the belief they will be saved no matter what they do. So now let’s apply this to children and teenagers. The First Lady is leading a campaign to tackle obesity in the young. The figures from 2004 do not make encouraging reading. About 5 million adolescents were then obese. There is every reason to believe this number will be significantly higher today.

Despite the absence of evidence showing bariatric surgery to be safe and effective in adults, there is increasing pressure to allow adolescents to go through the procedures, i.e. between the ages of 14 and 17 years. Not unnaturally, some of this pressure is coming from the for-profit hospitals and clinics that perform the surgery and from the device manufacturers who, amongst other things, make the Lap Bands used to restrict food intake. The adolescents themselves have bad body images and, thanks to peer pressure, also feel driven to “do something” to reduce weight. Parents understand their children’s health is at risk because they are overweight. Many will fall seriously ill before reaching thirty. They feel pressured to spend their money for the surgery – health insurance plans do not usually cover these operations because of the lack of medical evidence confirming safety and effectiveness. This is beginning to form a perfect storm. Except we have this moral hazard. Why are these young people eating so much? Who pays for all this excessive and unhealthy food? Why can they not diet, exercise and lose weight? Put another way: if you were a teen and knew your parents would pay for surgery, would you put any effort into dieting and weight loss?

Weight loss is a billion dollar industry and it is, frankly, depressing we should be even discussing the possibility of surgery for our children. It is bad enough when adults risk their health by going through surgical procedures not justified by scientific research. That we should be proposing the same unproven surgery for our children is morally indefensible. Parents should control their children from young and teach them good food habits. Schools should reinforce these habits and government should regulate the quality of food for children. If all fails, the children can take responsibility for their own health when they become adults. That means they diet, buy phentermine online and lose weight the hard way. Unfortunately, phentermine hcl is not suitable for children and adolescents, otherwise its power as an appetite suppressant could help children to eat less. The drug helps people when their own self-discipline is low. As it stands, the promotion of bariatric surgery is the latest bailout scandal and is introducing moral hazard into the behavior of our young. Government should step in and stop this.

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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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Feb
28

It never hurts to start off with a few simple truths. If it was easy to lose weight by eating less, there would be no obesity. If exercise burns off unwanted pounds, everyone would get off their couches and lose those potatoes. But life is never straightforward when it comes to losing weight and, more importantly, preventing the pounds from sneaking back when we are not looking. So what’s the problem? The Jesuits have a saying, “Give me the boy until the age of seven, and I will give you the man.” Put another way, as we grow up, we are surrounded by role models and authority figures who show us and instruct us on how to fit in and live our lives successfully. This so-called socialization process is largely complete by the age of seven. We have absorbed all the social rules for fitting into our culture and it takes a major effort to unlearn all these habits later in life.

So what’s the problem? Well, here comes another simple truth. The portion sizes sold as suitable for children in the US are the same as the adult portions in Europe. The portion given to adults in the US would feed an entire family in many other parts of the world. But, by the time we are seven, our expectations have been set. The eyes see the amount everyone eats as normal. The stomach is trained to accept this quantity – anything less and hunger pangs make life uncomfortable. So, if as an adult, someone tells you to eat less, you are being advised to act in a way that strikes you as fundamentally abnormal. You will suddenly stand out in social activities as the person who asks for less food when visiting friends for a meal or when ordering food in a fast food outlet. Even if you accept the label of eccentric, then comes the hunger pangs and your morale crumbles. Your mind may be strong, but your body betrays you.

Weight loss surgery is increasingly seen as an option by health insurance companies. They recover the cost in between two and four years through avoiding the need to pay for the treatment of high blood pressure, diabetes, heart disease, and so on. The procedures physically limit the amount of food your stomach can hold. No matter what your expectations, you physically cannot eat the same amount of food. The average cost of full surgery is $26,000. Keyhole surgery costs about $17,000. But this is not cosmetic surgery. It is a drastic measure and most doctors refuse it unless you are genuinely overweight and have consistently failed to lose weight any other way. That means you should diet, exercise and use acomplia. In clinical trials, the participants lost an average 10% of their body weight over a 12 month period. This represents a significant reduction but it may still not bring you down to a low BMI. More importantly, maintaining the weight loss is a real challenge. So, if your medical insurance will cover the cost and your doctor agrees, you should consider surgery if your BMI is above 30. Otherwise, buy acomplia and use it as part of a consistent low-calorie diet. Either way, your weight will fall.

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Jan
26

Medicalization is a wonderful word. It means the process of taking a natural condition and convincing people that it’s a disease to be treated and cured by the medical profession. Once a condition is medicalized, the pharmaceutical industry can sell drugs, doctors and hospitals can charge fees. The cash registers just keep on ringing up the profits. Once this happens, there’s a kind of bandwagon effect. The condition suddenly becomes a lot more serious. It’s now a disorder or disease. For health insurance companies, it’s a pre-existing condition.

Now there’s a funny thing about health insurance companies. They are never shy about coming forward with new reasons for not paying out on their policies. One of their classic excuses is the “disclosure” rule. The law sounds quite reasonable. If you are sitting in your office and never get to meet the person applying for a health plan, you have to rely on the honesty of what the person says when you decide whether to write the policy. It’s a sad fact that some people are less than honest when they apply for policies. They forget the heart problem and declare themselves fit and healthy. Insurance companies therefore need the right to rescind the policy – to cancel it if the applicant failed to disclose information needed to assess the risk.

So now we come to the case of Otto Raddatz who, courtesy of his sister, became a famous victim after his death. She testified to a Senate committee about what happened and the story, in suitably dramatic form, was later picked up by President Obama in support of his campaign for healthcare reform. The facts are easy to state. Here was a man lining up to get surgery for cancer. The hospital appointment was booked when, surprise, the insurance company decided to rescind the policy. Why? Because Otto had failed to disclose the fact he had acne as a teen! This was a serious pre-existing condition and likely an indicator he would get cancer later in his life. His failure to disclose it justified rescission. Well, fortunately, his sister was an attorney and she got the state attorney general on the job. Six weeks later, the insurer reinstated the policy and Otto got his operation. This gave him six more years of life.

It’s sometimes odd to see how the world works. The medical profession goes to great trouble to convince everyone that acne is a disease. The pharmaceutical industry sells us accutane which is an almost always effective treatment, clearing the skin and restoring beauty during the first period of treatment. And then insurance companies accept this medicalization and require people applying for policies to disclose acne as a pre-existing condition. This is a logical and predictable progression. If doctors say acne is a disease, it must be a pre-existing condition and everyone should disclose it when they apply for health insurance! Do not be deceived! The Illinois attorney general does not fight for everyone. Otto was lucky that his sister was an attorney with the right political connections. So never lie about having acne! The risk of rescission is real. And while you have acne, rely on accutane, the sure-fire way of solving the problem.

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