Archive for category Heart Health

Cancer and Heart Health Insurance Policy – Cancer and Stroke Insurance Coverage Shopping Tips

A cancer and heart health insurance policy is commonly known as a Critical Illness supplement. Plans pay the policy holder a predetermined lump sum cash payment upon diagnosis of stroke, heart attack, or life threatening cancer. The lump sum cash payment and approval process (underwriting) is different depending on the insurance company selling the Critical Illness plan. This compensation style plan is called Indemnity insurance. Indemnity’s “compensate” people for a financial loss. Financial loss being doctor or hospital bills.

If a medical insurance consumer is reading this article it’s because they’re specifically interested in coverage relating to cancer and the heart. People in the United States have two main routes to insure things like cancer and strokes. The primary way to cover these medical conditions is a HDHP (high deductible health plan) that is also referred to as Catastrophic Insurance. These policies are decent at covering the “big stuff” but the monthly premiums aren’t cheap, you’ll have to qualify medically, rate increases are every year, and some plans have high deductibles. Deductible is the dollar amount you pay out of pocket before the insurance company pays. Typical deductibles in the individual health insurance market are $2,500, $5,000, $7,500, and $10,000. In most cases, your responsible for the deductible amount and the insurance company is supposed to pay for bills above and beyond the deductible. Individuals can also jump onto a group insurance policy but this usually means working for someone else and is a different story then the individual PPO market. Read the rest of this entry »

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Your Heart Health Could Be at Risk During the Holidays

At this time of year with several big holidays approaching, like many of my patients, you may feel overwhelmed with too much to do and are starting to feel cranky and out of sorts. Along with all the usual responsibilities of jobs, family routines, etc, this season brings the added pressure of financial concerns from holiday spending.

In addition, friends and family that we may not have seen in a while show up in our lives again, relationship issues may become magnified, and our emotions run the gamut between joy and anger. Add those concerns to overeating high salty and fatty foods, drinking more alcohol, sleeping less, and skipping regular exercise, all of which can accompany the holiday season and we’ve created quite a little powder keg of stress.

It’s no wonder that many heart attacks occur during the holiday season – even hospital emergency rooms have their nicknames for them: The Hanukkah Heart Attack, The Christmas Coronary, and The New Years Nuke. However, it doesn’t have to be this way if you learn how to control stress, decompress from holiday pressures and practice simple, natural health. Here’s how.

What’s Stressing You?

Stress is a double-edged sword. It stimulates you to get through your day and actively participate in your life, helps you achieve goals and gives you the energy to do so. However, too much stress can have the opposite effect on you. It can cause muscle tension, high blood pressure, anxiety, irritability, and contribute to lack of sleep. It can also contribute to overeating, drinking, and smoking as a means to relieve stressful pressures. All this can have a bad effect on your heart.

When stress gets out of control, your adrenal glands pump out too much adrenaline that causes a feeling of anxiety. You may become restless and unable to sleep, much like the feeling you get when you’ve had too much caffeine. It can cause irregular heart rhythms as well as gastric upsets and inflammation that can set the stage for sudden, as well as chronic illness.

Excess adrenaline produces a stress hormone called cortisol which causes blood sugar and blood pressure to rise. It also causes us to store a lot of fat around our mid section. Chronic over-secretion of cortisol can lead to diabetes, high cholesterol and heart disease, a weakened immune system, damage to arteries and the development of atherosclerosis. These chronic conditions can put you at much higher risk for a sudden heart attack during stressful conditions.

Here are some questions I ask my patients about their stress levels:

Do you feel anxious, tense, angry, and sad?
Do you have muscle tension, headaches, jaw pain?
Do you have an upset stomach, skin rashes, racing heart, sweaty palms? Read the rest of this entry »

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2012 New Year’s Resolution: Get Heart Healthy With L-Carnitine

As you move into the New Year, you might be making a ton of resolutions, from saying you will eat better to making time to work out. Many people embark on a slew of New Year’s resolutions in January, only to find that they fall off by the end of the month. However, there is one resolution worth keeping and that’s getting your heart in better shape. In the end, poor heart health doesn’t result in a guilty conscience because you didn’t keep a resolution; it can be your ultimate and quite untimely demise. There are several things, from walking just 30 minutes a day to incorporate l-carnitine supplements into your daily vitamin regimen; you can do to promote better heart health.

· Take three 10-15 minute walks daily: If you split it up, you won’t feel so overwhelmed in trying to make time to get a workout in and you may be more prone to stick with it. Talk a walk just outside of your office or around your neighborhood in the morning or evening. Get your kids to get up and walk with you or a significant other for added motivation. You could also ask another family member, friend or neighbor. This is one of the healthiest things you can do for your heart in the New Year. If you want to then progress to another form of exercise, from aerobic classes to jogging, you can do so, but at least start with the walking. It costs nothing, takes little time and has such a huge amount of benefit to your overall health. The more you walk, the stronger your heart will get and the more your body will reap the benefits from the daily exercise.

· Incorporate supplements into your morning regimen: Vitamins boost you in areas where you might have a deficiency that adversely affects your health. Fish oil capsules and l-carnitine supplements are important additions to your cache of vitamins as both promote good heart health. You can also take Vitamin C and B-vitamins, both of which have added health benefits overall. However, the l-carnitine in particular guards against heart issues, so particularly if you are overweight and/or have a family history of heart disease, this might be a good supplement for you to try. Read the rest of this entry »

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