It’s all about perspective.
Ten percent can be a large or small amount, depending on the context of what it represents. If we’re talking about unemployment, 10% is unacceptable. If we’re talking about income tax, paying only 10% would be a blessing.
For today, we’re avoiding politics and the economy and instead, talking about the 10% of Americans who use wearable tech fitness trackers to monitor and track their daily activity, food intake, sleep, and exercise. This 10% of Americans make up a group of people that health insurance companies are examining closely to determine more accurate ways of calculating insurance premiums. On average, your premiums fluctuate once each year, which usually means added cost. That added cost doesn’t always have anything to do with you, and is often part of a re-rating of the group pool you’re a part of, like the company you work for.
What if your premium was calculated based on how you, as an individual, actually live? What if your premium fluctuated because of choices you make regarding your individual health and not because of others in your insurance pool dragging you down? (more…)
Hear ye, hear ye! Let October 1, 2013 henceforth be known as the day all hell broke loose in the United States. That’s when the government shut down and the website HealthCare.gov went up. Well, actually, the website went up, then back down, then up for a few minutes and back down for several more. HealthCare.gov is home to The Health Insurance Marketplace, the centerpiece of the Affordable Care Act and if you’re confused already, you’re not alone.
Though it’s been three years since the first measures of the Affordable Care Act started rolling out, some people still don’t understand what it is or if it will even affect them. With the help of Dr. Richard Besser, ABC News’ Chief Health and Medical Editor, let’s whittle down to the bare bones and answer the most pressing questions.
What’s in a name: The Affordable Care Act (ACA) and Obamacare are the same thing. ACA is the official name while Obamacare is the tongue-in-cheek moniker coined by opponents. Now, the names are used interchangeably, particularly in the media.
The ACA is a law. It was passed by Congress and signed by President Obama on March 23, 2010. Since then, it’s been unfolding in phases. (more…)
Heart disease is still the number one killer in the United States, even though it can be prevented with a just few simple lifestyle changes. Call it ignorance, lack of motivation, or a complete disregard for personal health; certain people continue to put themselves at risk of dying from a heart attack. Lists of excuses may have superseded action, however as of late, a lack of money is no longer an issue in maintaining good health. Medicare is now covering programs that contribute to positive lifestyle changes, such as yoga, healthy eating, and relaxation.
Based on an agenda that teaches clients about plant-based diets, meditation, and regular exercise, the Dean Ornish Program for Reversing Heart Disease is one of the plans covered by Medicare. It is employed to teach patients how to take better care of their heart.
Nutrition, stress management, moderate exercise and group support are the four components that make up the program. Contrary to popular belief that a new pill or potion will erase poor lifestyle habits, the Dean Ornish program let’s people regain their health by doing it the old fashioned way, by earning it.
Guest blogger, Carol Dunlop is certified through FiTour as a Personal Trainer and through the American Red Cross as a CPR, AED and First Aid Instructor. She has competed and placed in several Fitness America and National Bodybuilding competitions. Carol was diagnosed with breast cancer in the summer of 2011 and she is sharing her story of survival at DietsInReview.com. Check out her website, OptimumBodySculpting.com.
Can you imagine anything more devastating than being diagnosed with breast cancer? How about finding out that your insurance company is refusing to pay for your treatment? And that no one in the company can give you any solid or sensible answers as to why?
Now that you’ve gathered your breath from the shock, this exact scenario is what has been playing out in my life and breast cancer journey since I was diagnosed four months ago. (more…)
By Kelsey Murray
If you are a smoker, overweight, or have been diagnosed with high cholesterol, you may end up paying more for health care as many employers are following a new trend: penalizing those employees who have unhealthy lifestyles instead of rewarding those who have healthy lifestyles.
In the past two years, the percent of American employers who impose some sort of financial penalty on their employees has doubled, making it now 19 percent. This number should double again in 2012, according to Towers Watson, a benefits consultant company.
So why are these people being penalized for their lifestyle choices? It is common knowledge that those who smoke or are obese usually have higher health risks, which in turn leads to increased health care costs. As a result, some companies are now requiring these employees to pay more for their health coverage because it makes sense that these people will end up costing the company more in health care coverage. (more…)