This is the “Health” description

31933821_wide.jpg

Buying life insurance can be complicated. But it doesn’t need to be

(BPT) – Getting insurance can be famously complex and time-consuming. Whether it’s life, health, automobile or home, it takes time to understand what coverage you need and how to get it. As a result, it’s easy to put off items that don’t feel truly urgent until it’s too late.

Buying life insurance and helping to protect your family in the event of the unexpected is one of the most important purchases you can make. Doing this right requires a clear understanding of how much coverage you need, what a policy actually covers and how much you can reasonably afford. That’s a tall order for anyone.

But life insurance doesn’t need to be complicated. Understanding the basics — and taking advantage of the tools out there that can help you find the right policy in just minutes — are all you need to help protect your family’s future.

So, what do you need to know about life insurance to make an informed decision? Let’s answer your questions and clear up some myths first — and then explain your options.

Isn’t life insurance for older people? I’m young and healthy. I don’t need it.

The answer is a resounding no, and for obvious reasons: Even the young and healthy are at risk for the unexpected, from accidents to sudden illness. Life insurance can help you and your loved ones — whether that’s your children, parents or siblings — prepare for the unknown and make the right financial decisions. Laying the groundwork for that protection now, when you’re healthy and young, is an important step in building a sound financial future.

The good news is that there are different types of insurance policies that can best serve you and your family’s needs. Whole life insurance, which is what we often think of when we’re considering a life insurance policy, offers coverage you can’t outlive, with the cash value of the policy growing over time.

If you have big responsibilities right now and are still healthy, term life insurance, which can replace income and cover expenses in the unfortunate event of an early death, might be the better option. You can choose the timespan of the policy based on your family’s needs (for example, if you’re just starting your family, you may want to opt for a 20- to 30-year policy to make sure your children are covered until they’re adults). In an ideal world, your family will never need the policy, but it’s a strong safety net that can help you feel more secure, regardless of what the future holds.

But life insurance is expensive!

Life insurance costs can be high, yes — but that’s not a given. Understanding the amount and type of coverage you need keeps costs down. Being underinsured can be distressing in an emergency; being over-insured can eat away at your financial planning. Opting for a term life policy can help you solve these challenges. Their premiums are typically lower, and allow you to only cover the most likely scenarios for your age demographic.

This helps, but I’m still not sure which policy I need. And I’m too busy to keep searching.

This is where products like TruStage(R) come into play. You don’t need to spend hours assessing your risk and sorting through the clutter yourself; you have access to an online application as well as licensed agents that can help take the guesswork out of the process.

TruStage offers a simplified-issue term life insurance product that helps demystify the process for you through an online application process that takes about 10 minutes to complete.* After answering a few health questions, their automated process delivers a decision in minutes, offering coverage amounts of $5,000 to $300,000 to provide protection for home mortgages, children’s education, income replacement and final expenses. It also provides coverage options based on your budget, rather than making you estimate the amount of coverage you need.

In other words, in the time it takes you make a box of mac ’n’ cheese, you could help protect your family.

Where do I go to get started?

Visit www.trustage.com to fill out the online form. Include if you’re a credit union member, but even if you aren’t, you could still be eligible to apply for coverage.

Questions about TruStage? Call 1-855-309-2688.

*Source: TruStage.com Production WEB Policies Time reporting 2017.

TruStage(R) insurance products are made available through TruStage Insurance Agency, LLC. Life insurance, annuities, & accidental death & dismemberment insurance are issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

WHL-1943500

Read more
Girl w Mug Dog Disario-160517- 230_-3624

A cup of tea can be the best solution for everyday wellness

(BPT) – Before medicine and pharmaceuticals filled our remedy box, food and food ingredients were considered healing agents. Hippocrates was wise in his understanding of the special powers of food, beyond satisfying our appetites: “Let food be thy medicine and medicine be thy food.”

There are many cultures that rely on herbal remedies and natural foods for everything from soothing an upset stomach to lifting our spirits when we’re down, to calming jittery nerves and even fending off colds and flu. Many of the best cosmetics tout ingredients to smooth skin, prevent aging, block the sun, reduce inflammation and minimize puffiness. There are four common herbs that have been used by many cultures and that are found in many of our kitchens.

1) Turmeric is a commonly used ingredient in Ayurvedic practices. In Hindu, the bright yellow color of turmeric is associated with the sun. In India, turmeric is used in wedding and religious ceremonies and is thought to bring good fortune. Not only is it said to brighten our spirits, but it has also been found to have some anti-inflammatory properties, which are healing for the body

2) Ginger, a relatively inexpensive and easy-to-find root, is considered a very healthful spice in the same family as turmeric. It is rich in many healthy components and has a strong aroma caused by the compound gingerol. Ginger has a long history of use in traditional and alternative medicine. It is most commonly used to soothe a stomach ache and combat nausea, and is frequently used by women to prevent morning sickness during pregnancy. Like turmeric it also has anti-inflammatory properties and can be helpful in reducing pain caused by osteoarthritis and menstruation.

3) Another popular spice is cinnamon, which is known for its healthy antioxidant properties and delicious sweet taste. It may help to reduce inflammation and be heart healthy. It may also be helpful in regulating blood sugar levels within the body, and even have some protective effect against developing colds.

4) Chamomile is a flower that has historically been associated with relaxation and calming. Many different cultures have used it alongside lavender as a soothing beverage to enjoy before bedtime.

Many of these ingredients can be found in our pantries, and including them in our diets is as simple as incorporating them into recipes or brewing up a delicious cup of tea. Herbal teas are a delicious and probably the easiest way to introduce these ingredients into our daily lives. Sipping tea throughout the day provides a natural break. Many tea drinkers proudly sport their mugs to stay hydrated, refreshed and alert.

Tea itself (from the plant Camellia sinensis) contains many healthy compounds such as polyphenols, which are great antioxidant compounds. Studies with this phenomenal beverage are linked to many areas of health and wellness. It’s no wonder that tea is one of the most popular beverages in the world. People drink tea proudly knowing they are not only enjoying something delicious, but also giving their well-being a boost.

Bigelow Tea has long understood the art of blending top-quality ingredients in their teas and has recently introduced a new line called Bigelow Benefits, which takes the concept of herbal tea one step further by carefully crafting a tea bag with an enticing mix of beneficial herbs, flowers and fruits that supports your daily health. The flavorful combinations include Cinnamon & Blackberry, Peach & Ginger, Chamomile & Lavender and Turmeric Chili Matcha to name a few.

Designed to add everyday value to a regular healthy lifestyle, each contains ingredients that are commonly thought to help safely support and enhance life’s everyday moments and bring the wellness benefits of ancient civilizations to your teacup. For more information about Bigelow Benefits, visit bigelowtea.com/benefits.

So next time you are looking to have a more healthful lifestyle, or just a good night’s sleep, look no further than your tea cup.

Read more
African American doctor and patient talking in office

Congress may improve access to integrated care for dialysis patients

(BPT) – More than 700,000 people in the U.S. suffer from end-stage renal disease (ESRD), also known as kidney failure. These patients often cope with multiple chronic illnesses such as diabetes, heart disease and depression. They may also have financial difficulties, which limit their ability to access preventative health care services. These patients must juggle multiple appointments, manage numerous medications and experience frequent hospital visits while struggling to navigate a complex health care system. Integrated care programs, like the Dialysis PATIENTS Demonstration Act (PATIENTS Act) (H.R. 4143/S. 2065), offer patients support from a dedicated care coordination team and added benefits like personalized care planning.

The PATIENTS Act, a bipartisan bill recently introduced in Congress, aims to expand the availability of integrated care for Medicare dialysis patients. Currently, fewer than 10 percent of Medicare dialysis patients have access to integrated care. The PATIENTS Act is designed to deliver better care, better health outcomes and lower costs for Medicare ESRD beneficiaries receiving dialysis. For patients, this could mean fewer trips to the hospital, fewer unnecessary office visits and an improved quality of life.

As one of the most chronically ill patient populations in the U.S., those coping with kidney failure must receive dialysis therapy three to four hours per day, three times per week. Dialysis patients will benefit in many ways from increased access to high-quality, integrated care.

“I feel fortunate to have a team observing and supporting me daily,” said Francis Hogan, a DaVita dialysis patient with access to an integrated care program. “It gives me confidence to better manage my condition.”

While integrated care has existed for many years, the PATIENTS Act provides an opportunity to transform health care for more dialysis patients and their loved ones. The PATIENTS Act builds on existing integrated care programs to provide a sustainable, scalable model that could work for many more dialysis patients.

The PATIENTS Act could offer access to additional benefits like:

* A nephrologist-led interdisciplinary care team

* Individualized care planning for patients and caregivers

* Preventative care and services to help keep patients out of the hospital

* Care coordination for services received outside the dialysis clinic

* Support and counseling before receiving a kidney transplant

Patients and health care providers like DaVita have joined together to urge Congress to take action. The PATIENTS Act has support from both Republicans and Democrats and is under consideration by Congress right now. Patients, caregivers and kidney care advocates can visit www.MyAdvocacyMatters.com to send Congress a letter of support.

Read more
I am a strong woman!

Instant confidence: 5 easy ways to boost your self-image

(BPT) – Feeling good about yourself these days? If so, you’re ahead of the game, since a recent study shows your perception of your own image has a profound effect on how you present yourself to the rest of the world.

Those findings could be empowering in light of the fact that even small changes to your self-care routine can significantly boost your self-confidence.

The study by researchers at the Stanford Graduate School of Business found those who believe in their own attractiveness view themselves as having higher social status. “The finding that your assessment of yourself shapes your view of yourself and others puts power into your hands,” the authors note.

Want to give yourself some instant confidence? Consider how these science-based suggestions may help you put your best foot forward when dealing with everything life throws your way.

* Get moving. Regardless of your fitness goals (or lack thereof), the fact is you’re likely to feel better physically, emotionally and mentally after you exercise. Research also shows it can improve your self-esteem.

* Ramp up your smile. Scientists say our brains are zapped with an instant mood boost when we smile, and that boost is reinforced when others smile back. Further, whiter teeth can have a direct effect on our social and professional interactions, and they’re now easy to achieve through consumer brands like Rembrandt’s 1 Week Whitening Kit that can achieve professional-level results at home within a week. In study results transcending gender, age, income, education, employment and marital status, 58 percent of participants were more likely to be hired after whitening their teeth, while 53 percent received higher salary offers. Sixty-one percent were deemed more confident, and 54 percent generated more interest from others in terms of further interactions or dating.

* Let your body language communicate self-respect. Keeping your shoulders pulled back and your body straight and tall communicates confidence to your brain, one study confirms. Other research found the most empowering stance is one in which your arms are held slightly away from your torso, your body is open and your head is up.

* Optimize color in your clothing. The right shade may light up your entire face and have a surprising impact on your mood. “Choosing the color of your office, your clothes or your desktop should not be taken lightly — colors do affect our moods and productivity,” states a recent article on Scienceofpeople.com. “When given the choice, picking a color that will work with you and not against you can only help.”

* Wear scent strategically. Because our brains link certain smells to positive experiences, research suggests we may be able to ramp up our confidence with scents that remind us of happy times. That’s why aromatherapy can help alleviate anxiety, depression and sleeplessness, and improve quality of life for those with chronic health issues, confirms Mayo Clinic.

Bottom line: When you’re taking care of yourself and projecting your best self, you’re far more likely to project the confidence you need to deal effectively with life.

“Confidence can make or break a lot of things,” advises Lecia Bushak on Medicaldaily.com. “In our extrovert-centric society, confidence can get you a job, a girlfriend, and the courage to say no to people or situations that are toxic to you. Confidence is knowing yourself and taking care of yourself, too.”

Read more
31934315_wide.jpg

Invisible hearing aids make myths of wearing one disappear

(BPT) – While 48 million Americans have significant hearing loss, many of them do not wear a hearing aid. In fact, according to the Hearing Loss Association of America, 80 percent of people who would benefit from wearing a hearing aid do not wear one.

Looking older, doesn’t fit lifestyle and too much of a hassle are just a few stigmas that keep people from using a hearing aid.

However, today’s technology makes those challenges disappear with completely invisible, invisible-in-canal (IIC) and completely-in-canal (CIC) hearing aid options.

Hearing aid differences

So, what are the differences between the three options? It’s all in the placement:

* Completely invisible hearing aids are inserted into the canal by a hearing professional. They stay in the ear 24/7 for months at a time until the hearing aids are replaced by the professional.

* Invisible-in-canal (IIC) hearing aids are a custom-made style that is inserted into the ear canal; however, they are designed to be removed daily.

* Completely-in-canal (CIC) hearing aids are custom-made to sit completely in the ear canal. Only the tip of a small handle shows outside the canal. This is used to insert and remove the device.

Let’s explore how invisible hearing aids can make a person feel better about wearing a hearing aid.

Out of sight and out of mind

No one wants to look older than they are. Unfortunately, hearing loss is misperceived to be a sign of old age. However, 40 percent of the 48 million Americans with hearing loss are younger than 60.

For some people, wearing something that points out that misconception may serve as a detractor. With completely invisible hearing aids, the device slips into the canal, making it indistinguishable from everyone around the hearing aid wearer.

“Completely invisible hearing aids are out of sight and therefore, out of mind for the hearing aid wearer,” said Dr. Nicole Klutz, audiologist and product manager at Phonak. “They don’t have to worry about anyone seeing their hearing aid or associating old age with hearing loss.”

Keep an active lifestyle

The United States of Aging Survey showed that more than half of survey respondents (52 percent) who were 60 and older exercise or are physically active at least four days per week. For those who wear hearing aids, having a device that allows them to stay active is important.

Completely invisible hearing aids don’t have to be manipulated or taken in or out of ears. “A completely invisible hearing aid allows wearers to live their life as they did before they started wearing the device,” said Klutz. “They don’t have to take their hearing aid out to use the phone, exercise or participate in activities they enjoy.”

Eliminate the hassle

Completely invisible hearing aids are hassle-free because the hearing aid wearer does not have to do anything. Once the completely invisible hearing aid is in their ear, they simply forget about it and go about their normal lifestyle, according to Klutz.

“Thanks to the placement of completely invisible hearing aids, the hearing aid wearer doesn’t have to worry about taking the hearing aid out and dropping it, stepping on it or misplacing it,” she added.

Get in tune with invisible hearing aids

Klutz said the longer someone with hearing loss waits to address it, the longer and harder they are working to understand conversations where they may be missing parts of words or sentences. They also are more likely to withdraw themselves from activities they previously enjoyed but are no longer enjoying due to their hearing loss.

“People with hearing loss deserve to live a fulfilled, sound-enriched life just as everyone else, without having to worry about being judged for wearing a hearing aid,” she added.

Completely invisible hearing aids now available

Completey invisible, IIC and CIC hearing aids are available now from Phonak. For more information, visit www.trylyric.om or find a licensed hearing care professional who has been specially trained to fit the latest in hearing aid technology.

Read more
American Football On Grass Field

Behind the Fuss for Real Grass Playing Fields

(BPT) – Whether attending a child’s scrimmage, the hottest college bowl game of the week or a professional playoff, the vibrant expanse of a football field offers more than a colorful canvas for the action. Often an afterthought for spectators, the choice of playing surface – natural vs. artificial – is a major decision for sports teams and field managers that goes far beyond aesthetics. According to Don Follett, director of fields and grounds for the Baltimore Ravens, the decision to transition M&T Bank Stadium back to natural grass at the start of the 2016 season was driven by the players. “A few of our key players asked that we entertain natural grass,” said Follett. “Ultimately, we decided that real football should be played on real grass.”

Why the fuss over real grass for sports fields? Venues choose one surface versus another for reasons that are highly specific to their situations. The following themes, however, consistently pop up:

Injury considerations

When first introduced, artificial turf had less cushioning and more surface hardness than it does today, affecting the probability and severity of injuries. Today, the installation of artificial turf involves a mix of sand or crumb rubber infill, which absorbs impact energy and provides surface cushioning. Over time, however, as infill levels decrease from being packed down or migrating, more infill must be added to maintain the target depth range provided from the turf manufacturer. Additionally, based on some of the research, an athlete’s foot is more likely to snag in a synthetic system, which creates more force on the foot, ankle and knee when trying to turn or change directions. In comparison, natural grass can be more forgiving when players stop or turn quickly.

While injury rates are not statistically significant between one playing surface and another, given a choice, professional football players tend to favor natural grass fields over artificial turf. Their preferences have been associated with beliefs that there are more lower body injuries when playing on artificial turf. In a 2010 survey of NFL players, 69 percent preferred a natural surface. Perceptions about safety and wear on the body likely factored in, as players cited artificial turf as a contributor to injuries (82 percent), soreness and fatigue (89 percent), a shorter career (89 percent) and a reduced quality of life after football (64 percent). “In their [players’] minds, natural is better, safer,” continued Follett.

Health and comfort issues

Beyond injuries, natural and artificial turf have other health and safety impacts. Natural grass fields have regular growth, watering and mowing cycles, allowing for constant rejuvenation and decomposition of various compounds. The dense root and shoot systems characteristic of healthy turfgrass support a large population of soil micro-flora and -fauna. These organisms offer one of the most active biological systems for the degradation of trapped organic chemicals and pesticides. According to Tim Van Loo, president of the Sports Turf Managers Association (STMA) and a certified sports field manager, “the soil of natural turfgrass systems includes microbes that break down certain compounds, such as pesticides, potentially noxious organic chemicals and even bacteria from bodily fluids, such as blood and spit.” With synthetic fields, regular maintenance – sweeping, dragging, loosening and redistribution of infill, and cleaning – is necessary to keep them in top form.

Turfgrass has the added benefit of contributing to noise and glare reductions. Natural grass absorbs sound and can reduce noise levels by up to 10 decibels. Variation in the size, shape and angle of individual grass blades disperses sunlight to reduce glare and improve visibility in sunny conditions. Both qualities can benefit players and spectators alike in large and noisy stadiums.

Playability factors

Artificial fields are often cited for enabling more continuous play than their natural counterparts, which may need time to recover between heavy use. With a little pre-planning, turf managers can mitigate most of these challenges and protect the long-term playability of their natural turf fields. “The life of a natural field can be extended by rotating activities between fields, changing the daily location of practice on a field, or moving drills and practices around the field,” said Van Loo. Taking care to preserve the quality and coverage of natural turf can also reduce unpredictable ball roll and bounce that may occur with bare, patchy growth.

Likewise, modern drainage systems are mitigating much of the water concern previously associated with natural grass. When asked how the Ravens’ field manages heavy rains, Follett explained, “We put in a full sand-based drainage system that percolates at 13 inches an hour; it would take a remarkable amount of rain.”

In warmer regions, heat presents a different challenge. The University of Missouri Turfgrass Research Center conducted a study in 2010 comparing surface temperatures of different types of playing fields. The university found that synthetic fields dissipate radiant heat, with surface temperatures regularly exceeding that of natural grass fields by 50 to 70 degrees Fahrenheit. In order to ensure player safety, teams must schedule practice and game times to cooler periods of the day or run irrigation systems that cool fields with water.

Environmental concerns

When choosing a surface, environmental impacts must also be considered. Fertilizer and pesticides are often associated with natural turf. However, organic options are proving successful and newer environmentally friendly fertilizer applications are now available. Additionally, the root and thatch layer in natural turf systems acts as a filter and removes pollutants before they enter surface or groundwater.

If water use is a concern, field managers can take conservation steps. Many recreational fields are overwatered, and devices such as rain sensors, soil moisture probes or evapotranspiration pans can help manage irrigation efficiency. Other water-saving options include using a drought-resistant species or encouraging deeper root development by allowing grass to grow taller.

With artificial turf, other environmental issues lurk below the surface. Crumb rubber infill comes from shredded tires that contain zinc and other metals. Some fear such elements could escape into the air or leach into water. Additionally, when artificial fields are replaced, the synthetic turf often ends up in landfills.

Economic impacts

The final decision on natural grass or synthetic often comes down to immediate and long-term costs. According to the STMA, a natural field can cost from $0.60 to $5.00 per square foot, depending on soils and drainage installation, while construction of synthetic systems can run $4.50 to $10.25 per square foot. Annual natural turf maintenance costs vary based on the facility and climate regions, but annual expenditures average between $20,000 to $30,000 per field and are competitive with synthetic field maintenance and repairs. Based on Follett’s experience, while there were initial costs to transition M&T Bank Stadium back to natural turf, “there is not a significant difference in the ongoing maintenance of well-kept artificial turf and grass.”

Choosing between natural and artificial turf is not easy. It is a decision every field manager must weigh carefully, evaluating all factors including the perceptions of players and spectators to ensure long-term support for the field. “I recall one player coming up to me on the sidelines of a game,” said Follett. “He gave me a big bear hug and said, ‘Dude, you have extended my career.’ Statistically, there isn’t strong evidence in either direction, but perception is reality.”

Read more
31128201_wide.jpg

5 questions about applying for disability benefits

(BPT) – Age and chronic illness can take a toll. A June 2017 study by the Centers for Disease Control and Prevention finds that the most costly health conditions in the U.S. include: heart disease, cancer, arthritis, stroke and type 2 diabetes. An estimated 117 million people have one or more chronic health conditions.

These health issues also place in the top 10 conditions of former workers who receive Social Security Disability Insurance (SSDI) benefits.

Social Security disability is an important alternative for former workers who can no longer work because of a severe health condition. In fact, the average SSDI recipient worked 22 years before they experienced a life-changing disability.

“More people are living with chronic illness, and many people do OK with treatment and rehabilitation,” said Mike Stein, assistant vice president of Allsup, a disability benefits representation organization. “But other people have to stop working when their health just won’t let them continue.”

About 154 million workers have paid FICA taxes and have disability insurance coverage through the SSDI program. If you know someone who may qualify, check out the Refer a Friend program. Following are answers to the top five common questions about applying for disability benefits.

1) Who applies for disability benefits? People who have experienced a work-disrupting severe health condition that will last for 12 months or longer, or is terminal. They may have a health condition, such as arthritis, a severe spinal condition, cancer, or have experienced a stroke or car accident. On average, former worker recipients are 54 years old. Last year, about 2.3 million former workers with disabilities applied for disability benefits.

2) When should I apply for disability benefits? Generally, you should apply when you cannot work because of your health condition. As soon as you have to stop working, it makes sense to apply for Social Security disability benefits if you have solid medical evidence. If you are uncertain of when to apply, you can find help from a disability representation organization that provides free assessments of your likelihood of qualifying for the program.

3) Why should I apply for disability benefits? Most people apply for disability benefits because they need the monthly income. Plus, there are several additional benefits. You can get extra dependent benefits if you have a child under 18. You can get Medicare after 24 months of receiving cash SSDI benefits. You also protect your retirement benefits, and you can receive incentives to return to work. “It’s important not to give up on the idea of returning to work, eventually, because it’s much better for your finances in the long run,” Stein said.

4) How do I apply for disability benefits? Much like filing taxes, you have different options when applying for disability benefits. You can try it on your own, or enlist the help of a professional representative who understands what the Social Security Administration needs to process your claim. Most people who apply on their own are denied at the application level, and must appeal. Having a representative early in the process can improve your chances of approval and help ensure your application is completed properly. Most people have a representative for their hearing.

5) How much money will I receive? Your monthly benefit will be calculated based on your past work earnings and the amount of FICA taxes you paid on those earnings. You can find online calculators that will help you get an estimate of what you can expect to receive before you apply for SSDI.

Unfortunately, it may take a long time to receive benefits because the Social Security disability program has stringent rules and several steps in the claim review process.

“Many people make the mistake of waiting to apply for disability,” Stein explained. “They deplete their savings, they borrow from their 401(k) plan, and they make other big sacrifices — before they apply for disability benefits. It makes it that much harder when they have to wait months or even years for Social Security to review their claim.”

An important consideration is applying for disability with a representative, Stein said. “If you can receive disability benefits at the very beginning, with your application — you can save yourself many months of time for appeals and possibly avoid a hearing on your disability claim.”

For more information about Social Security disability eligibility and applying for disability benefits, visit FileSSDI.Allsup.com.

Read more
32005654_wide.jpg

Control your diabetes while controlling costs

(BPT) – Controlling the “ABCs of diabetes,” namely A1C, blood pressure and cholesterol levels, is difficult enough, but when you add that second C — costly medications — it’s easy to see how one’s levels can spiral out of control very quickly.

According to the American Diabetes Association, for the 30 million people living with diabetes in the U.S., health care costs are more than double (2.3 times) the costs compared to those without diabetes. This is due to the ever-increasing costs of the medications to treat diabetes and the chronic conditions that often accompany the disease, namely high blood pressure and high cholesterol. In fact, between 2002 and 2013, the cost of insulin has tripled, and newer cholesterol- and blood pressure-lowering medications are also on the rise.

Now consider that in the U.S., more than 2 million children and adults living with diabetes do not have access to health insurance, and millions more are in high-deductible plans that can require high out-of-pocket costs. This has a compounding effect on our healthcare system and society because the lack of access to diabetes medications can lead to avoidable doctor visits, hospitalizations, amputations and even death.

So, what is the cash-paying person struggling to afford these high-cost insulins and other diabetes medications to do? The good news is there are numerous ways to save money on diabetes care without compromising on quality.

First, shop around. Medication prices can vary greatly by pharmacy. If you are not using insurance to cover the cost of prescription drugs, there are many ways to obtain prescription assistance. See if you could begin saving money immediately with Inside Rx, a free discount drug card program, which provides deep discounts on certain brand-name diabetes medications, including insulin and drugs that treat co-existing conditions such as high cholesterol and blood pressure. In fact, people who have used the Inside Rx card have saved an average $180 on featured brand insulin medications. See insiderx.com for a listing of these featured medications, as well as important terms and restrictions.

In addition, Rx Assistance provides a comprehensive database of pharmaceutical assistance programs. Most pharmaceutical companies also offer financial assistance programs to persons who have trouble affording their medications and supplies.

By doing some research into these types of discount programs and databases, it may be possible to save thousands of dollars a year, while controlling your diabetes and enhancing your quality of life.

Read more
31329237_wide.jpg

Hispanic health: Addressing 4 myths about Type 2 diabetes

(BPT) – Chances are you know someone with type 2 diabetes (T2D) – whether it be a parent, cousin, neighbor or a co-worker. Yet, did you know that diabetes disproportionately affects the Hispanic community in the United States? In fact, nearly 16.9 percent of Hispanic-American adults in the U.S. are living with T2D, compared to 10.2 percent of non-Hispanic white adults, according to The Hispanic Community Health Study/Study of Latinos (HCHS/SOL).

As Hispanic populations grow in the U.S., the number of Hispanics with diabetes is expected to grow with it. That’s why it’s important to get the facts about some of the common myths and misconceptions that are associated with type 2 diabetes so you and your family can make educated health care decisions.

Myths and Facts

Below are some common myths and misconceptions, and corresponding facts associated with type 2 diabetes and insulin treatment.

Myth 1: I have type 2 diabetes because I didn’t take care of myself.

Fact: The truth is diabetes is a result of a number of factors. These include family and medical history, ethnicity and age, which all play a role in whether or not someone is predisposed to diabetes.

Myth 2: Beginning treatment with insulin is going to cause me to change my entire lifestyle.

Fact: As diabetes changes over time, your treatment may need to change with it. The natural progression of type 2 diabetes may lead to a patient taking insulin – many people with diabetes are prescribed insulin, sometimes because their bodies do not use insulin properly. Insulin can be incorporated into your daily schedule as part of your meal and treatment plan.

Myth 3: “I can’t enjoy the holidays or family time because I won’t be able to have the foods I love.”

Fact: The truth is you can still enjoy the foods that you love – just in moderation. The foods you like may be a healthy option or a sweet treat, so keep an eye on portion control and make smart choices throughout the day. Talk to your health care provider to get specific guidance on a healthy meal plan.

Myth 4: “Diabetes can be cured if I eat healthy, and once I reach my blood sugar goal, I can stop my medication.”

Fact: The truth is there is no cure for diabetes. However it can often be managed with medication and lifestyle changes. Eating healthy and getting regular exercise, along with medications such as insulin, can help control your blood sugar levels. It’s best to speak with your healthcare provider about the best treatment plan for you, as well as how often you should test your blood sugar and have regular A1C tests.

Separating Fact from Fiction

“Myths and misconceptions about T2D can get in the way of people making informed decisions about their health. That’s why it’s important to talk to your doctor, ask questions and work with him or her to develop a treatment plan that works for you,” says Dr. Frank Lavernia, founder and director of the North Broward Diabetes Center in Pompano Beach, Florida. “Facts and information are empowering, but separating diabetes facts from fiction can be difficult at times. That’s where the Basado en Hechos initiative can help.”

The Basado en Hechos initiative is designed to help dispel some type 2 diabetes myths and misconceptions that may be common among the Hispanic community. At basadoenhechos.com, you can watch a video that addresses some myths about type 2 diabetes and insulin, as well as find information about a diabetes treatment option.

Read more
1 2 3 4 21