Importance Of Medical Tests Before Buying Medical Insurance

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A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

Medical School Admissions Process Decoded

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Getting into medical school is exceedingly challenging. Well over forty thousand prospective applicants enter into the application cycle each year with less than fifty percent obtaining admission. Success calls for a lot more than scholastic and extracurricular expertise and experience. It takes finding out the actual requirements of the various admissions committees, having good recommendations, and authoring impressive essays which get their attention.

Although the specific application system doesn’t open up until June of the calendar year before matriculation, the actual medical school admissions process actually starts the very day you enter college or university. It does not matter if you are applying during your junior year of college or even a few years subsequent to graduating, the committees will start by evaluating your scholastic and extracurricular experience starting as far back as freshman year! Normally, high school situations don’t seem to be applicable except when there are extraordinary circumstances. This is particularly the case if you can show experience in the medical field during your high school years. If this is the case, then you would address it in your personal statement.

You should commence with the main application form the January prior to when you plan your matriculation. Yes, this is in fact 21 months before you actually start medical school! Plan to spend January to April scheduling, planning, and taking the Medical College Admissions Test, securing recommendations, and requesting transcripts from all schools which you have taken courses (you must include all grades for all courses). May and June are all about writing the actual American Medical College Application Service application, which is the primary application. The AMCAS includes a work/activities segment as well as the notorious personal statement. As soon as you’ve completed the AMCAS application form, July to September is devoted to secondary applications (otherwise called secondaries). Secondary applications are a grueling aspect of the admissions process wherein individual schools send their own application asking for between zero to ten supplemental essays on subjects covering anything from diversity towards the greatest error in judgement you’ve ever made (yes, that’s an actual question). Medical school admissions interviews take place from October through January. February is a time of limbo during which not much happens. While various medical school admission’s committees (particularly those which have a rolling admissions), will inform you regarding your acceptance, wait list, or rejection standing prior to the spring, you typically won’t hear something until about March or April. By May fifteenth, every applicant who has been given an acceptance offer from two or more schools will have to decide on specifically where he or she wishes to attend and withdraw applications from all other schools. The admissions process basically ends on the first day of school when you put on that white lab coat and officially become a Doctor.

In relation with Medical Books for a better life

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Today along with technology science has also developed immensely, there are various new methods and treatments introduced apart from the conventional method that had been followed till date. Improvement and innovation is a very vital part in the progress of any field. These conventional methods of treatment and procedures along with the new innovations have been recorded in the Medical books. Also Medical literature refers to the articles in journals, and text in books devoted to the field of medicine.

The Medical Books cover the various aspects of the field of medicine. There are different books covering each single area. Since medicines is a very vast field, one can never know each and everything by heart, at times when the doctors come through a new case, they refer back to the medical books so as to be sure about the treatment to be used. These Medical books are widely used by nurses, doctors, students pursuing medical field and also by various medical representatives.

There are various fields in medicine like:

Homeopathy: It is the alternative form of medication originated by Samuel Hahnemann, which has been based in the hypothesis that a substance that causes the symptoms of a disease in healthy person will cure that disease in sick people. There are various Medical Books on homeopathy stating its procedure of treatment, how to be used etc. The medical books price in India may vary depending upon the publication, but since these books contain huge information, they are usually expensive.

Pathology: It is the study of disease, the causes, course, progression and revolution of the same. This helps diagnosing the diseases. These medical books are mostly used by the lab technicians who work on blood samples to find the diseases in it. The medical books price in India may range around 500 INR to 2500 INR.

There are also various medical books which cover the study of different body parts like:

Cardiology involves the study of Human Heart.

Gastroenterology involves the study of the stomach.

Haematology involves the study of Cancer in human body.

Paediatrics involves study of the children and many more fields are covered by the Medical books.

The medical books price in India widely depends upon the subject matter covered by it and also upon the publication house, generally the medical books price in India may vary from 400 INR to 3000 INR.

These Books cannot be easily found out in any book stores, these are available in special medical libraries and also available online. Thus, though they seem to be expensive but the knowledge that it provides is incomparable to the cost associated with it. These medical books price are also subsidised for the medical students pursuing medicine in the government medical colleges.

Paul Smith is well known author who provide helpful information about History Books, Medical Books and Archaeology Books etc, through Online Shopping in India.

Pain Relief With Microcurrent Therapy

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If you suffer from light to severe pain in your back, legs, or anywhere in your body, microcurrent therapy may be able to help. For those that do experience body aches and pains on a daily basis, pain pills are not enough to help cope or alleviate the pain. Some people may not even want to take pills because of the possible side effects and dependency that can be acquired with heavy doses of painkillers. Microcurrent therapy can help alleviate the pain in any part of your body by sending small electrical currents directly to the area or areas that are causing you discomfort and pain.

There are other electric therapies available, but microcurrent therapy offers the smallest electrical currents with the biggest results. This small amount of electrical current jumpstarts the blood flow in the damaged cells that are causing the pain and help alleviate the discomfort quickly. By providing an electrical current to the damaged cells in your body, microcurrent therapy can also aid in the regeneration of those damaged cells and tissue. More people have begun to use microcurrent therapy as a faster way to alleviate their pain and it is also a less abrasive on your skin than other therapies.

Microcurrent therapy is also affordably priced and can be purchased by anyone who is in need of pain relief. Most people prefer is the high higher electrical current therapies because it is so much easier to use and is so much gentler on the skin. The stronger currents can also cause some discomfort, but the microcurrent therapy is pain free and that makes it an even more amazing pain relieving system to have at your disposal. Those who have tried microcurrent therapy have been greatly pleased with their results and the therapy has become even more recommended by physicians and those that use the microcurrent therapy on a regular basis.

Hipaa Training Essential For Medical Answering Services

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Do not be fooled into believing that all answering services are set up to handle calls for medical facilities. It is absolutely essential to find a company that provides HIPAA training so that their staff understands how to field calls in a way that is compliant with patient legal rights.

HIPAA stands for the Health Insurance Accountability and Portability Act and was enacted to provide specific legal rights for patients in the United States. Under this act, medical facilities must maintain complete patient information confidentiality and must comply with patient medical insurance rights. A medical call center that does not provide their staff with HIPAA training may cause your facility to run into legal problems. However, employing the help of an answering service that is compliant with all HIPAA laws will be of tremendous help in running your medical facility with great efficiency and with providing superb patient care.

HIPAA training will help your medical facility meet mandatory federal and state laws. It will also give your patients the confidence to trust you as a primary care or urgent care provider. A medical phone answering service that is compliant with HIPAA law will back up patient information and ensure that this repository of sensitive information is kept confidential, as well as available to you at all times. With this important information secured offsite, you can be sure that patient information will not be lost even in times of natural disaster or power outages. This is of utmost importance in giving your patients the most appropriate care based on their medical history.

Contemporary managed care facilities, physician offices, hospitals, and urgent care units rely on medical call centers that provide HIPAA training to their staff. For services that offer the most effective medical attention, make sure that the company you choose includes a nurse telephone triage unit that will be able to properly assess the immediate needs of your patients. Employing advanced medical answering services that are HIPAA compliant and that have a telephone triage unit on hand will be of tremendous assistance to your medical facility. A reputable medical telemessaging company will ensure the most reliable services for your patients from the moment they first contact your facility. This type of attentive, professional care will set your patients at ease and will give the utmost confidence in the medical services that you provide. With a little bit of research, you will find a competent medical telemessaging services that you can rely on even when you are not in the office.

Defend Yourself from Medical Malpractice Lawsuit

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The definition of medical malpractice is negligence committed by a physician or a medical personnel, this can be a nurse also. This act is punishable. A patient, who believes that he/she is a victim of negligence from a physician, can file a lawsuit to claim compensation from the party, he/she considers responsible. This can be a lengthy and tiresome lawsuit. Moreover, the outcome may cause a lot of harm.

This type of legal issue is harmful not only for the physician; the hospital suffers a great deal due to this also. Most of the medical malpractice lawsuit is high profile legal issue. And therefore, this receives extreme media exposure. The publicity may cause many harm. The reputation of the physician and the hospital suffers. People may avoid the doctor and the hospital in future for the fear of negligence. Another damaging issue is monetary loss. The amount of compensation may cause huge financial crisis. One lawsuit may evoke many other similar types of legal issues as well.

If you are currently involved in such type of legal case, you need immediate legal assistance. Get in touch in with experienced Johnson City Medical Malpractice Attorneys and have them review your case report. They have the exposure and experience of handling this type of legal case and will be able to give you proper guidance. They will gather evidence and the testimony of witnesses to build a strong defense lineup for you.

However, you should remember that, medical practice lawsuits are complex issues. To prove that you are innocent, the attorney must prove first that the damage is not a result of medical negligence and just a normal course. This requires some level of medical knowledge and just about any attorney will not be able to make a lot of difference. You should hire someone with medical knowledge.

Moreover, to solidify the lawsuit, you need expert testimony. This means the testimony of another physician from the similar field. Your attorney must have required resources, so that this testimony can be used in the court.

As a physician, you have serious responsibility. Everyday, you make life changing decisions. One mistake from your part and something fatal may happen to someone. A lawsuit can distract your focus and your career may suffer due to this. Therefore seek help from a competent attorney, before it’s too late. A skilled attorney may be able to reduce the amount of the compensation or even get the lawsuit dropped altogether.

Please visit lawyer guide for more information.

Guidelines For Sports Massage Therapy In Beaverton

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Sports massage therapy is offered by professional therapeutic massage spas along with reflexology massage therapy, Swedish massage therapy, deep tissue massage therapy and even pregnancy massage therapy. Like pregnancy massage therapy, however, sports massage therapy also has its own guidelines and contraindications. If you are a resident of Washington County, Clackamas, Keizer, Lake Oswego, Portland, Tualatin, Sherwood or Vancouver WA, make sure you take note of all these guidelines before availing of sports massage therapy at your therapeutic massage spa in Beaverton.

Sports massage therapy should be avoided by people with thrombosis or a blood clot in the vein, implanted artificial blood vessels, hemophilia and tumors because it can cause life threatening complications. Sports massage therapy can also spread bacterial, viral or fungal infections of the skin and soft tissue; and can worsen broken bones; contusions; burns of chilblains; periostitis, or the inflammation of sheath around the bone; gout; rheumatoid arthritis; and bursitis.

People with open wounds, lacerations, muscle ruptures, tendon ruptures, cuts and grazes have to wait until they are completely healed from these conditions before undergoing sports massage therapy.

To be safe, anyone should undergo medical examination and clearance before going for sports massage therapy. After all, only a doctor can correctly identify the existence of some of these conditions in a patient. There are many cases where a patient is totally clueless about having diseases that have not yet shown any symptoms.

It is important to know the guidelines and contraindications of sports massage therapy before availing of it from the same therapeutic massage spas that also provide reflexology massage therapy, Swedish massage therapy, deep tissue massage therapy and pregnancy massage therapy in Beaverton, Washington County, Clackamas, Keizer, Lake Oswego, Portland, Tualatin, Sherwood or Vancouver WA. It is also very important to ensure that only a highly trained and qualified professional massage therapist gives the sports massage therapy.

Medical Office Assistant And Pharmacy Technician Courses For Fast Healthcare Careers

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Becoming a pharmacist or a doctor is a serious educational commitment that takes several years. Especially in light of the almost decade long, immensely expensive process of becoming a doctor, healthcare careers can feel out of reach for many people. But becoming a physician is not the only option for healthcare hopefuls. Aside from nursing, two other prominent healthcare professions are medical office assistant and pharmacy technician. Lets have a closer look.

Pharmacy Technician

Pharmacy technician training has to prepare the student for the crucial role of assisting pharmacists conduct their duties. Most people know about the drug dispensaries found in commercial stores and hospitals, but theres also a role for pharmacy technicians in medical research, third party insurers and drug manufacturing. Regardless of where the technician takes a job, your training will focus on a strict and accurate understanding of measurement, dispensing systems and drug effects. Though you will have the supervision of a pharmacist, patient safety depends on your ability to provide exactly the dose prescribed, and youll also have a chance to make sure theyre receiving the right medication and get to work directly with clients, including calling them to ensure medications are being taken as directed.

Programs are usually provided through vocational schools and colleges, with a length averaging around a year, but some programs allowing completion in less time. Like any healthcare professional, you will have liability insurance and accredited programs are offered in most provinces in Canada. 43% are employed in hospitals or similar facilities, and pharmacist shortages have seen a recent boom in the demand for people with pharmacy technician training, making it a reliable choice for steady and rewarding work.

Medical Office Assistant

In Canada, the role of the medical office assistant is somewhat more abbreviated than your American cousins, because of provincially regulated Medicare instead of a byzantine network of private insurers, but theres still a strong demand for people with medical office assistant training. As well as clerical work, including working with sensitive and confidential medical records and calling patients to remind them of scheduled appointments, medical office assistants receive some front line medical training to help them understand the ins and outs of their patients needs.

One part secretarial and receptionist training, and one part anatomy and health lessons, medical office assistant training is also mostly found through career or vocational schools and community colleges. Like pharmacy technician programs the study time is short. Particular to the program the administrative side of the training also makes graduates flexible, with options to work outside the healthcare industry. If you do decide to stick with healthcare you could find yourself at the front desk of a private practice or part of a team in the medical record archives of a large hospital.

An Aging Population Calls Out For More Medical Professionals

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Your career should be in a field that you look forward to working in everyday, and it should challenge you while providing opportunities for you to grow. It should also be able to provide for you and your family. If for some reason your current state of employment does not meet this criterion, you should consider a career change. One area offering employment that is both rewarding and fulfilling is the medical field.

The medical world is currently experiencing a severe shortage of qualified workers, and is desperate to hire individuals with the right experience and certification. Unfortunately, most people dont think that they possess the proper credentialsin fact, the majority of people dont attempt a career in the field of medicine simply for that reason. Meanwhile, there are approximately 78 million baby boomers about to retire, all of whom are aging, increasing the need for medical attention at a rapid rate.

According to the World Health Organization, the aging of the baby boomer is only one reason for the shortage of healthcare workers that the nation is experiencing. Other influential reasons include the aging of the current healthcare workers, and the lack of employees in fields related to the medical industry. These employees arent limited to nurses, pharmacists and doctors. The shortage applies to cleaners, cooks, and bookkeepersor any other field related to the medical world (i.e. required to make medical operations run smoothly). The problem is that once there is a shortage in one field, there is trouble in all of the fields (meaning the shortage affect everyone, regardless of profession), causing the entire medical net to be unstable in both its presentation and delivery to patients.

One particular example to draw upon are medical nurses. One of the greatest shortages lies in the nursing field, which comprises almost 10% of the entire medical world. Such a shortage could lead to poorly educated patients and the negligent care of sick individuals. Facing something like that is scary, which is why many institutions are offering higher salaries and greater benefits to their employees. So people looking to change career fields are wise to consider investing some research into the completion of a medically related career. From pharmacy technician training to studying to become a personal support worker (PSW), there is a great number of different medical careers.

Taking PSW courses is a great field to get into, and can help you get started in your medical career. Much like nursing, personal support workers help safeguard the rights of the elderly or impairedit is a career that has much to offer in terms of both tangible and intangible rewards. Regardless of the field you choose, consider the medical industry before making a final decision. You might be surprised at the opportunity that awaits you.

Things You Never Knew Laser Therapy Was Good For

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A valuable and tested treatment for a variety of conditions and health management is low laser light therapy. This medical treatment uses lasers or diodes that emit light to alter cellular function. This method has been proved effective in treating conditions associated with rheumatoid arthritis, osteoarthritis, acute and severe neck pain, tendinopathy, and chronic joint disorders.

There are many other treatment goals that can be achieved with treatment of this kind. It has been recently applied for stiff necks, tennis elbow, chronic headaches, migraines, and chronic back ailments. 4 problems you may not know can be addressed by therapy such as this includes menstrual discomfort, burn healing, dental issues, and wound healing and repair. An especially little known benefit is the effective and easily applied menstrual pain home remedy.

Of the 4 things you never knew this type of therapy was good for, menstrual issues have been the most important benefit. Women suffering from menstrual issues would benefit from considering treatment like this as a menstrual pain home remedy. It has helped people recovering from burns treat the pain and discomfort in the areas of the burn. Another yet unknown benefit is mouth healing. TMJ, and discomfort from toothaches and oral surgery have been treated. Wound healing has also responded well, whether superficial contusions or major injuries.

People get harmed in different areas of their bodies when their cellular structures are disrupted or not working properly. Pain relief cannot be gained until the cells are returned to their normal functions. This type of treatment brings the cells back to their functioning level.

Low laser light therapy has many uses that are not well known yet, but its popularity is growing. Try the therapy for any of the 4 ailments you never knew it could help, and start feeling normal again soon.