Health Care for 2016 Is Looking Like…

2016 Health Care Plans: Good or Bogus?

imagesW0N0E2O3Yea it was bound to come up in 2016, this particular question that I know is on everybody’s mind.

So as before you were given the ultimatum in 15′ (unless you already decided to go with Obamacare or any other types of health care programs), but you don’t really see many people jumping for joy as some would suspect.

Ummm… Wonder why?

One major reason is obvious and that’s the cost.

With the economy struggling as it has been from unemployment, to foreclosures, and medical benefits people already given to those who have it might have noticed if their providers just happen to change-up their plan rates boosting your premium a little higher.

Let’s get real about it folks, insurance premiums can change at the drop of a hat.

If you’re really paying close attention to your insurance plan rate (as many should do I would say), you would then be able to pin point the change,  the next step involves you casually walking into your living room reaching for your phone to give them a call asking exactly why.

This is where you wind up getting a payload of pointless excuses from the usual representative (on the other end of the line), trying to talk overly calm and collective to reassure you that you’ve made the right choice going under their premium plan which “supposedly” have your best regards in mind.

Well what can you say, but B.S. !!

LOL.

images2Truth is they don’t really give a rat’s a*s about your plan, and will nicely try to dumb you down to a false sense of reality that has absolutely nothing to do with you or your garnished paycheck (or what they garnish out) you work so hard for each week.

They see you like a hungry car salesmen with the “lazer-like” radar focus on you and your piggy bank (the piggy bank is there in spirit, it’s just not present at the moment).

With all the fast talking they are going to probably do, if you’re not one to step in and tell them something like…

“Woah, woah, WOAH, how much is this going to cost?”

Followed by

“And why in the h**l are you guys raising you’re rates without consulting me or anyone else that went under this plan?”

If you start to see them tug a bit at the collar, then you’re doing a good job because they’re starting to sweat.

images9And they should, rates are getting rather ridiculous wouldn’t most agree.

Unless you luck out on a health-care plan that stay within the bounds, not adding any extra premiums to the mix then you’re good to go (but are the chances in that).

untitled4.2On the other hand, if you’re partnered up with a shyster type insurance dealer, then you should do an abrupt 180° degree turn and run away in the opposite direction because you’re blindly getting played for a sucker.

The term “insurance premium” may sound fancy, but it’s used to trip people up when a agents pitching a company’s plan to you.

They might run down time frames you can pay through your plan, it could be a monthly plan fee, a six month pay fee, or even an annual fee option could be presented to you.

Various options sound really great, but the ultimatum behind it could really suck!

In this case, the rate of pay is the focus.

So for this year that’s brand new starting off, will premium plans suit your pocket book?

Will any cost hikes be kept at bay?

Or will you have to swallow your pride, breaking sown to pay for a ridiculously high premium you didn’t attend to be obligated to pay in the first place.

Honestly, it could go either way.

it just depends on what you’re health care provider has in store for you.

For this year organizations such as Blue Cross & Blue Shield, are looking to stick it to consumers.

The hikes talk comes down from an executive of the health care giant, possible hikes might be noticed by consumers some time around May.

One of the reason for possible cost hikes is largely due to the lack of enrollees who have not signed up for health-care insurance coverage, the targeted group of focus falls among the American youth.

images5The Affordable Care Act (ACA) plan is leaning toward the option of cost hikes (this serves as an either you get it or get a hefty fine) forcing for younger individuals to sign-up for insurance.

This is where laws and provisions will come into play to enforce compliance, the major for fewer young participants basically comes down to age. Younger people tend to stay away from medical coverage programs to avoid high costs, same time they put themselves in a situation where they will need health-care insurance at some point or another.

So this really implies to the old saying which goes like this…

Sooner or later it will catch up with you..”

Which is true, because you never know when you might face some type of illness, or need to be schedule to see your health-care provider for an important routine check-up.

They have to understand another factor that will cause insurance plans to raise in costs, and that’s due to amount of people who aren’t signing up under a health care plan.

So basically if health care providers have multiple coverage plans, but have a low amount of enrollees who haven’t signed up for under these programs let’s say in 2015 of last year.

Well the cost will elevate for those who already have insurance under that particular provider, the downside however is that they are stuck with higher premiums because of the additional programs running under the plan itself.

This is why laws are now being pushed in place to force younger individuals to sign up, this of course will help to balance the cost thus lower the premiums for the insurance coverage for participants who are already signed up for the service provided.

In 2016 things are going to get interesting indeed, higher costs may also include hikes on coverage expansion of health care services, rising costs of prescription drugs, added expenses driving up premiums, and let’s not leave out the added stress and pressure from taxation laws put in place to keep the mass public under the rule of thumb (like putting a mind-control collar around your neck making sure you’re compelled to follow along without question).

In times of now everything seems to have an hidden agenda, health insurance companies are part of this agenda, just like the banks, politics, yea they go hand-in-hand, but you do have freedom of choice (to a degree).

Things to Consider for Cutting Future Costs:

images7

  1. Many may not wonder about it now, but focus on how much you should save for future health-care costs.
  2. Working for an employer automatically puts you in line for a health-care package (that’s if you’re employer offers health-care packages), chances are you’re employer cuts the bulk cost of your premium. The premiums you are left to pay are deducted from your paycheck, so this leaves you with the unwanted options of co-payments, or deductibles out-of-pocket costs.   
  3. Even up into your retirement the cost hikes doesn’t stop there, people may not realize that they’re premiums will take a drastic turn putting more responsibilities on you to pay higher costs.
  4. So say if you’re a senior that’s under the Medicare health-care program, you might receive half of the coverage plan however you are still liable for paying premium plans under Medicare (Medicare is broken into plans B & D). So you’ve guessed right that you will be paying for these separate parts of the premium which may include you visits to the doctor, tests that you will undergo, and prescription medicine.
  5. Bottom-line saving more (putting aside for health-care needs is vital) is very important, as you get older approaching you’re retirement you will need to options in you’re favor to ensure for proper medical coverage when the time comes. 

Even though the majority of the youth in America don’t think about health-care coverage now, doesn’t mean you won’t be slapped in the face by it later down the line.

Just do a little research and pick out a credible health-care plan service to go under, it’s for your benefit and hence heavy on the research part because there are companies who will try to cheat you in a heartbeat!

 

To learn more visit the following link(s) in the description below at:

https://www.healthcare.gov/apply-and-enroll/health-insurance-plans-estimator-overview/

https://www.healthcare.gov/small-businesses/health-care-law-and-business/employer-shared-responsibility-payment/

 

https://twitter.com/IronsJaye

 

Finding Mental Stability (Therapeutic Measures)

stabilizing the mind 3This is an overview of alternative treatments for mental health problems. Contains nutrition, diet / self-help, pastoral counseling, & more.

An alternative way of mental health care that highlights the interrelationship between mind, body, and spirit can play an important part in healing and recuperation.

Although some people with mental health problems recover using alternative methods alone, the majority of people join them with other traditional treatments, and the possible usage of medication.

It is crucial, to check with your health care providers about the strategies you’re using to attain mental wellness. While some alternative strategies have a lengthy history, many remain controversial.

The National Center for Complementary and Alternative Medicine at the National Institutes of Health was made in 1992 to integrate those which are powerful into mainstream healthcare practice and to help assess alternate methods of treatment.

Self-Help:

Self-help has turned into an integral part of treatment for mental health problems, once considered a periphery approach to managing the symptoms of various illnesses. A lot of people with mental illnesses find that self-help groups are an invaluable resource for authorization and for healing.

 

 Self help generally refers to groups or meetings that:

 

  • Affect those that have needs that are similar
  • Are eased by a consumer, survivor, or alternative layperson
  • Assist people to cope with a “life-disrupting” occasion, such as a death, abuse, serious accident, dependency, or diagnosis of a physical, psychological, or mental incapacity, for the consumer or a relative
  • Are managed on an informal, free of charge, and nonprofit foundation
  • Provide support and education and
  • Are anonymous, voluntary, and private

 

Nutrition and Diet:

Comprises nutrition, diet and self-help, pastoral counseling, & more. Correcting both diet and nutrition may help some people with mental illnesses to manage their symptoms and encourage recovery.

For example, research indicates that eliminating wheat and milk products can reduce the seriousness of symptoms for some people that have kids with autism and schizophreniaSimilarly, some holistic/natural physicians use herbal treatments, B-complex vitamins, riboflavin, magnesium, and thiamine to take care of stress, autism, depression, drug-induced psychoses, and hyperactivity.

Pastoral Counseling:

Many people prefer to seek help for mental health problems from their pastor, rabbi, or priest, and not from therapists that are not affiliated with a spiritual community.

Counselors working within conventional faith communities increasingly are recognizing the need to incorporate psychotherapy or medicine, together with spirituality and prayer, to effectively help some people with mental disorders.

Working below the guidance of a health care professional with an animal (or animals) may help some people with mental illness by facilitating positive changes, including increased empathy and enhanced socialization abilities.

Creatures can serve as part of group therapy programs to support communication and boost the ability to concentrate. Developing self-esteem, reducing loneliness, and nervousness are only some potential advantages of individual-animal therapy.

 

Expressive Therapies Art Therapy:

Drawing, painting, and sculpting help many people to accommodate internal struggles, release intensely repressed emotions, and foster self-awareness, along with personal advancement.

You might manage to find a therapist in your region who has received specific training and certification in art therapy.

Others especially people who prefer more construction or who feel they have “two left feet” increase the same sense of release and inner peace in comparison to Eastern martial arts, including Aikido and Tai Chi.

Those people who are recuperating from sexual, physical, or emotional maltreatment may find these techniques especially helpful for getting a sense of ease with their particular bodies.

The underlying assumption to dance/movement therapy is that it can help someone integrate the mental, physical, and cognitive facets of “self.”

 

 

Music/Sound Therapy:

It is no coincidence that lots of people turn on soothing music to relax or snazzy tunes to help them feel cheerful and positive.

Research indicates that music stimulates the entire body’s natural “feel good” chemicals (opiates and endorphins). This stimulation ends in improved blood circulation, blood pressure, pulse rate, respiration, and position changes.

Music or sound treatment has been used to diagnose mental health needs, and to treat ailments including depression, grief, stress, schizophrenia, and autism in kids.

What Is Meditation?

Traditional Oriental medicine (for example acupuncture, shiatsu, and reiki), Indian systems of health care (including yoga and Ayurveda), and Native American healing practices (like the Sweat Lodge and Talking Circles) all form the beliefs that:

  • Wellness is a state of balance between the spiritual, physical, and mental/psychological “selves.”
  • An imbalance of forces within the body is the cause of illness.
  • Herbal/natural remedies, together with exercise, sound nutrition, and meditation/prayer, will correct this imbalance.

 

Acupuncture:

The Chinese practice of inserting needles into the body at particular points manipulates the body’s flow of energy to balance the endocrine system.

This exploitation modulates functions for example heart rate, body temperature, and respiration, as well as sleep patterns and psychological changes.

Acupuncture has been utilized in clinics to aid people with substance abuse disorders through detoxification; to ease tension and anxiety; to treat attention deficit and hyperactivity disorder in kids; to reduce symptoms of melancholy; and to help people with physical ailments.

Ayurveda:

Ayurvedic medicine is described as:

“Knowledge of the best way to live.”

Yoga/meditation:

Professionals of this ancient Indian system of health care use breathing exercises, posture, stretches, and meditation to balance the energy centers of the body’s. Yoga is used together with other treatment for stress, anxiety, and depression related disorders.

Native American traditional practices:

Ceremonial dances, chants, and cleansing rituals are part of Indian Health Service plans to cure depression, stress, trauma (including those related to physical and sexual maltreatment), and substance abuse.

Cuentos:

Based on folktales, this form of treatment originated in Puerto Rico. The narratives used comprise models and healing themes of behavior such as self-transformation and endurance through difficulty.

Cuentos is used primarily to help Hispanic children recover from depression and other mental health issues related to leaving one’s homeland and living in a foreign culture.

 

 

Biofeedback:

Learning to control muscle tension and “involuntary” body functioning, like heart rate and skin temperature, can be a course to mastering one’s anxieties.

It’s used in combination with, or as an alternative to, medication to treat ailments like panic, anxiety, and phobias.

For instance, an individual can learn to “retrain” his or her breathing habits in stressful situations to cause relaxation and reduce hyperventilation.

Some preliminary research suggests it may offer an additional tool for treating depression and schizophrenia.

Guided Imagery or Visualization:

This procedure entails developing a mental image of wellness and healing and going into a state of deep relaxation.

Mental health providers, nurses, and doctors occasionally use this approach to treat panic disorders, depression, alcohol and substance addictions, phobias, and stress

Massage therapy:

The underlying principle of the strategy is the fact that rubbing brushing, and tapping on a person’s muscles can help release tension and pent emotions. It’s been used to take care of injury-related depression and stress. A highly unregulated business, certification for massage therapy varies widely from State to State. Some States have stringent guidelines, while others have none.

Technology-based Applications:

Technology is also making treatment more widely available in once-isolated areas.

Telemedicine:

Plugging into computer technology and video is a comparatively new invention in health care.

It allows both suppliers and consumers in rural or remote areas to get access to specialization or mental health expertise.

Telemedicine can enable consulting providers to speak to and find patients. Additionally, it may be utilized for generalist clinicians in training programs and instruction.

Telephone counseling:

These also supply referral and info to interested callers. For a lot of folks telephone counselling regularly is a beginning step to receiving in-depth mental health care.

Research demonstrates that many people who otherwise might not get the help specially trained mental health providers need are reached by such counselling from them.

Electronic communications:

Technologies including the web, bulletin boards, and electronic mail lists provide access to consumers and also the general public on a wide selection of advice.

On-line consumer groups can exchange advice, experiences, and perspectives on mental health, treatment systems, alternative medicine, and other related topics.

Radio psychiatry:

Another comparative newcomer to treatment, radio psychiatry was initially introduced in 1976 in America.

The American Psychological Association as well as the American Psychiatric Association have issued ethical guidelines for psychiatrists and psychologists’ purpose on radio shows.

Legal Notice:

Inclusions of an alternative approaches or resource in this fact sheet will not imply endorsement by the Center for Mental Health Services, the Substance Abuse and Mental Health Services Administration, or the U.S. Department of Health and Human Services.

 

 

To learn more visit the following link(s) in the description below at:

https://www.youtube.com/watch?v=RS2EhsYnp-4

https://twitter.com/IronsJaye