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Health Savings Accounts Should Be Available to All Americans

All Americans should have the right to save for current and future healthcare expenses with  -tax dollars. Health Savings Accounts provide some Americans with precisely that opportunity, but it is too limited in its scope to benefit the majority of the US. I love the   require their holders pay a high deductible (typically greater than $1000 annually). Unfortunately, the eligibility requirement to participate in a health savings account precludes the majority of the population from receiving a privilege that should be as basic as saving for one’s own retirement.  https://bibloteka.com/

In a recent response from my Congressman, he suggested I consider using a   I have a means to cover current and future medical expenses which can accumulate to a retirement vehicle which becomes available for any purpose at age 65. The rollover benefit becomes an even greater benefit when you consider the funds in Health Savings Account are eligible to pay the premiums on Cobra. Contributing to an   provides financial resources to use should one lose their job. Americans can use their  to pay the necessary 102% of their health premiums through COBRA or they may roll the money into a less expensive high deductible health plan  with the resources to meet the high deductible.

Let’s look at a couple of case studies.

Dick and Jane

Dick and Jane are engaged. Jane has been submitting $2600 into and   for the past five years. During that time she has only consumed $1600 in health care costs that means Jane has been able to build up a health nest egg of $11,400. After they are married Dick begins carrying Jane as a dependent on his health care plan which does not qualify as a high deductible health care plan. Under current laws, Jane would be forced to discontinue contributing to her but it if all Americans were eligible for this savings incentive she wouldn’t have that problem. Instead they could increase their contribution $5,150. After a year, Dick may lose his job, but the family has been able to save $16,550. Their healthcare nest egg provides Dick and Jane with additional options. They may select to continue their current coverage through COBRA or they can select an alternate health care option. If COBRA were to cost $400 a month they can  funds. With these funds they would have the means of paying for coverage for 41 months. They could also choose to purchase independent health coverage. Their $16,550 on a high deductible healthcare plan. They could conceivable absorb a $10,000 deductible and reduce their monthly payment to about $200, or half the cost of their cobra payment.

Scott and Laura

In the scenario of Scott and Laura, Scott is a severe asthmatic. His condition leads to a hospital stay about once a year costing about $3000. He must also have continuing medication at a monthly cost of $112. Scott and Laura are both on her employer’s group health plan. They pay $112/month with a $500 deductible and a 20% coinsurance. Their annual healthcare responsibility is approximately $2610 with insurance or approximately $4340 without insurance. Their insurance saves them approximately $1700 annually from paying full price on their med  eligible, they do not any residual savings from their health care expenses nor were they granted guaranteed tax savings from their medical expenses. If they keep the medical insurance they clearly need through COBRA they now need to pay $400/month. These annual premiums total $4000 alone meaning that Scott and Laura only save about $340 a year by having health insurance. This does not include the cost of any of the co pays. Keeping the insurance could increase their medical expenses to about $6000 a year or $550/month at a time when the family income has been reduced. Scott and Laura have a very difficult choice to make in regards to their healthcare. Should they continue with coverage or should they let the family health insurance lapse?

Had they been able to contribute to  , their scenario may have looked a little different. Scott and Laura would still have the same policy but chose to contribute the maximum allowable to their  From the $5150 they withdrew $2610 for healthcare expenses leaving $2540 to accumulate over for the next year. Over the course of 5 years   options look much more promising. They can more easily absorb costs of COBRA and provide for the costs of their existing coverage for their entire 18 month term of eligibility. By making wise decisions in time of plenty, Scott and Laura would be able to prevent financial devastation or public dependence in the future and still provide the means to maintain their health needs. All health consumers should  namely, consumers whose employers don’t offer a qualified high deductible healthcare plan and those who may have regular health needs which require a more generous health plan including young families who may need maternity or well child care.

Ironically, those ineligible to participate are doubly discriminated against. Not only do they lose the opportunity to financially prepare for the future healthcare needs, but it actually results in having higher healthcare costs. Here’s how:

1. High deductible health care plans often attract the healthiest segment of society, and when you remove the healthy consumers from the general insurance pool, rates rise to cover the lost revenue and higher payout per consumer.

2. Non participants must pay deductibles and uncovered health care from post tax dollars or they must try to forecast their annual health expenses through a flexible spending account   If they underestimate, they are again paying for expenses with post-tax dollars and if they overestimate they lose the unspent balance.

3. Individuals who have continuing healthcare needs are at the mercy of their employer for continued coverage. The loss of employment often means the loss of health care and can bring great personal risk and financial hardship.

By eliminating the requirement that an individual have a   plan, you open the door for many more participants. These are people who need to hedge against risk in their health and financial well-being. When you allow people to pay their insurance premiums with their   you grant them a means of planning for their health future, without discriminating based on their health care needs. Nationally, you increase the savings rate, sending more money into banks, and driving down your uninsured among the unemployed. Fewer people are dependent on government healthcare subsidies because they were able to plan during times of plenty. You open a door for increased retirement savings and, by giving people access to their funds when healthcare is needed, you limit some of the draw on government resources because they don’t end up on state sponsored plans.

 

 

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Health Savings Accounts – An American Innovation in Health Insurance

The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.JAMB Subject combination

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called  It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care  . Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans  Spending Accounts  , high deductible health   Archer Medical Savings and Health Savings Account ). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account ( is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and  Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health
– Those not covered by other health insurance plans.
– Those not enrolled in

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also cannot be set up independently by children.

What is a High Deductible Health plan ?

in a High Deductible Health Plan  is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the  got a boost by the Medicare Act which introduced the  A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of costs of  and preventive health care are excluded from the deductible which means that the individual is reimbursed for them.   can be taken both by individuals (self employed as well as employed) and employers. In 2008,   are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for  s is $5,600 for self and $11,200 for Self and Family  These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In  the relation between the deductibles and the premium paid by the insured is inversely   i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for   with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer   health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online  qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to   can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an   from all sources is:
$2,900 (self-only coverage)

 

 

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The Big List of Health Insurance Companies

In the past                        https://spynaija.com                                      health was not much of a political issue. People breathed fresh air tried to eat healthy fruits & vegetable that grew naturally with the use of organic and used what medicines were available.

But today people usually use non-organic and use those with chemicals on them. Also one of the contributing factor which affects people’s health is pollution, people barely breathe fresh air in the city. They have to go to the mountains or the country to breathe fresh air. Today people are becoming aware and concerned about their health, especially when there was a SARS and  virus outbreak in the country which reach the other country.

Health insurance may be very expensive yet it is also very important for it deals with you and your family’s health which could later lead to your death if it is not given medical attention. Having your whole family covered in a health plan will also give you peace of mind for you know that when one of your family members gets sick the insurance company will help you pay for the bills.

Health insurance is expensive because many of our medicines are also getting expensive. But if you are planning to get a health plan then you should first see what your budget is. You can find insurance plans that fit your budget and gives you the medical needs that suits you and your family.

Here is a list of some Health Insurance Companies that provide service in the United States. This is not an exhaustive list but should provide some idea of where to look for individual private coverage.

America Medical Security, Inc.
Oregon Health Insurance
Independent Blue Cross, Philadelphia
Community Health Plan of Washington
Health Insurance
Southeastern Indiana Health
Managed Care Services
Affinity Health Plan
Independent Health
Health Plan
American Family Mutual Insurance Company
Insurance Company
Health Plan
American National Insurance Company
Vista Health Plan
Harvard Pilgrim Health Care
Oxford Health Plans, Inc.
Group, Inc.
Healthcare
Listed above are only few of the many health care providers in our country. If you decided to buy a health insurance then make sure that the insurance company is approved by your state government.

This is so that you won’t be deceive by the fake companies, especially when you are planning to buy your coverage online. There are many good to be true health insurance that are offered online but don’t jump to it right away so that you won’t be one of the many victim who paid for that insurance that does not exists.

Make sure that if you purchase any insurance you purchase it from a reputable insurance company just to be safe.

To get started make sure you get an instant health insurance quote  health-insurance-quotes-getting-the-most-for-your-health-care-dollars/]. Visiting Gordon Smith’s website is a good way to get started.

 

 

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What Can A Health Savings Account Do For You?

The number                      https://www.monalise.dk/                 of Health Savings Accounts has been constantly on the rise since these accounts were offered to the public. Both employers looking for ways to continue offering health insurance as a benefit to employees and people seeking their own individual plan have invested in Health Savings Accounts. Why would this one form of health insurance be appealing to both groups?

A Health Savings Account or an   is like a personal savings account with three very big differences. First, no matter how you invest the balance, the earnings are not taxable as long as you let the balance grow with tax-free earnings or you withdraw money to pay for healthcare that meets government criteria. You can spend the funds for your kid’s check-up at the dentist, your spouse’s medical massage therapy, or for your own acupuncture treatment. There’s actually a long list of health-related expenses that the federal government allows you to use  funds for and any money you don’t spend on health care can keep on growing tax-free to double as a retirement account.

A second big difference between an   and a regular savings account is that you can get a tax deduction for your savings. You can deposit up to $3,050 for individual plans or up to $6,150 for family plans and take a tax deduction for the entire amount even without   deductions. It doesn’t matter whether you use the funds for qualified health care or build a retirement fund with it. The tax deduction is still available.

An   also differs from a regular savings account in how you can invest the balance. With an  , you may buy bonds, mutual funds or stocks if you prefer. Of course, you can also keep your entire   in a regular interest-bearing savings account.

The trade association America’s Health Insurance Plans revealed that more than 11.4 million Americans are covered by  -eligible health insurance plans. That’s an overall increase of 14 percent this year. The association also found that in the individual market, 2.4 million people got an  plan.

This year, preventive care services are required to be covered with no out-of-pocket costs. That has opened the door for many people to take advantage of high-deductible plans offering much lower premiums than typical co-pay insurance. Certain of these high-deductible plans allow the policyholder to open an . The greater coverage provided with high-deductible plans now makes an even more inviting. Lower premiums of high-deductible plans help individuals maintain health insurance while also helping employers continue to offer health insurance coverage as a benefit.

How Do Health Savings Accounts Work?

You can open an   as long as you have a qualified high-deductible health plan  You won’t have a deductible on recommended preventive care services, like annual exams, vaccinations, checking for high blood pressure, etc. If you need other types of health care that aren’t covered, you can use funds from your   to pay for it. Experts recommend starting with a deductible you could cover until you have built up your  . With more  funds as a backup, you can safely move to health insurance with a higher deductible, get lower premiums and invest the savings back in your

balances roll over year after year. You can’t lose   money by changing employers like you can lose flexible savings account funds that are tied to an employer. There is one exception, though. If you spend   money for something besides qualified health care, you face a penalty fee of 20 percent on the amount you withdrew and you have to pay taxes on the withdrawal.

This year, that penalty just increased from 10 percent and there was one other change in Health Savings Accounts. You can no longer use   funds to pay for OTC (over-the-counter) medications unless your doctor prescribes them.

With an  , the public can make wiser choices when it comes to their health. Health Savings Accounts can be a cost effective strategy to cut monthly premiums, turn health care expenses into tax deductions and get tax-free earnings.

 

 

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Private Health Insurance Vs Public Care

Australians                  https://trevonbranch.tech/                       are lucky when it comes to health care. When illness or injury strikes, there is no question regarding your access to health care, whether or not you own private health insurance.

The Australian government guarantees that everyone is entitled to Medicare to help cover many medical needs; but few people what the limits of their Medicare coverage are, and where private health cover fits into the equation.

When you don’t have a solid understanding of the difference between what Medicare covers and what your health insurance covers, it’s difficult to make the best decisions for yourself and your family when it comes to planning for the future and protecting your finances if an unexpected illness or injury disrupts your lives. By comparing health plans, you can get a better idea of how much private health coverage actually costs, and what it can do for you.

Who needs private health coverage? Doesn’t Medicare cover all of your health insurance needs? What if you’re a young couple or family with no reason to worry about health issues?

It’s important to start by understanding how Medicare works, and what coverage it does and does not provide.

Medicare was introduced in Australia in 1984 as the country’s public health cover system, guaranteeing access to free or low-cost medical and hospital care for every Australian citizen and permanent resident.

The Medicare system offers access to a public hospital and treatment by a hospital appointed physician. While Australians receive excellent care through the Medicare system, there are little to no options when it comes to selecting the hospital in which you will be treated, or even when you will be admitted.

Under Australia’s Medicare program, any treatment that does not fall into the “emergency” category is considered to be elective, which places patients on a long public hospital waiting list to be seen.

Australians can improve their health care situation by purchasing private health cover to augment Medicare, which you retain even when your private health plan takes effect. When your health insurance strategy includes a private policy in addition to Medicare benefits, you have the option to choose treatment as either a private or public patient in a private or public hospital. The decision is up to you.

People with private health coverage earn choice and flexibility when it comes to their own care. Your health insurance allows you to choose the physician or specialist responsible for your treatment, the schedule for admission to the hospital for treatment, and quicker access to any elective surgery you may be having.

Your insurance will cover most if not all of those costs that Medicare does not pay, and you can avoid waiting on a public hospital list for the treatment you need.

It’s important to check with your insurer and read your policy details before you schedule a hospital stay to be sure your health insurance covers your particular procedure.

When it comes to receiving treatment outside of a hospital, Medicare will cover 100 percent of the cost to visit a general practitioner, specialist, or medical  . In fact, your private health plan cannot by law pay for costs incurred when visiting a physician or specialist outside of a hospital.

Still, there are plenty of medical services that Medicare does not cover, but your health insurance can, including:

– Physiotherapy.
– Chiropractic services.
– Remedial massage.
– Psychology consultations.
– Ambulance.
– Most dental exams and treatments.
– Hearing Aids
– Glasses and contact lenses.
– Podiatry.
– Certain therapies including occupational therapy, speech therapy, and optical therapy.
– Natural therapies like acupuncture and homeopathy.

If you or your family needs or wants access to these services, your private health plan can include coverage for the specific treatments you will be seeking.

The best way to make realistic decisions regarding your family’s coverage is to first make sure you have a good understanding of Medicare. Determine what coverage your family needs according to your age, lifestyle, and whether or not any preexisting conditions need to be considered. Compare health insurance policies to find the best coverage to fit your needs and your budget.

 

 

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Group Insurance Health Care and the HIPAA Privacy Rule

stands for Health            https://trevonbranch.tech/                             Insurance Portability and Accountability Act. When I hear people talking about  , they are usually not talking about the original Act. They are talking about the Privacy Rule that was issued as a result of the   in the form of a Notice of Health Information Practices.

The United States Department of Health & Human Services official Summary of the   Privacy Rule is 25 pages long, and that is just a summary of the key elements. So as you can imagine, it covers a lot of ground. What I would like to offer you here is a summary of the basics of the Privacy Rule.

When it was enacted in 1996, the Privacy Rule established guidelines for the protection of individuals’s health information. The guidelines are written such that they make sure that an individual’s health records are protected while at the same time allowing needed information to be released in the course of providing health care and protecting the public’s health and well being. In other words, not just anyone can see a person’s health records. But, if you want someone such as a health provider to see your records, you can sign a release giving them access to your records.

So just what is your health information and where does it come from? Your health information is held or transmitted by health plans, health care clearinghouses, and health care providers. These are called covered entities in the wording of the rule.

These guidelines also apply to what are called business associates of any health plans, health care clearinghouses, and health care providers. Business associates are those entities that offer legal, actuarial, accounting, consulting, data aggregation, management, administrative, accreditation, or financial services.

So, what does a typical Privacy Notice include?

The type of information collected by your health plan.
A description of what your health record/information includes.
A summary of your health information rights.
The responsibilities of the group health plan.
Let’s look at these one at a time:
Information Collected by Your Health Plan:

The group healthcare plan collects the following types of information in order to provide benefits:

Information that you provide to the plan to   in the plan, including personal information such as your address, telephone number, date of birth, and Social Security number.

Plan contributions and account balance information.

The fact that you are or have been enrolled in the plans.

Health-related information received from any of your physicians or other healthcare providers.

Information regarding your health status, including diagnosis and claims payment information.

Changes in plan  (e.g., adding a participant or dropping a participant, adding or dropping a benefit.)

Payment of plan benefits.

Claims adjudication.

Case or medical management.

Other information about you that is necessary for us to provide you with health benefits.

Understanding Your Health Record/Information:

Each time you visit a hospital, physician, or other healthcare provider, a record of your visit is made. Typically, this record contains your symptoms, examination and test results, diagnoses, treatment, and a plan for future care or treatment.

This information, often referred to as your health or medical record, serves as a:

Basis for planning your care and treatment.

Means of communication among the many health professionals who contribute to your care.

Legal document describing the care you received.

Means by which you or a third-party payer can verify that services billed were actually provided.

Tool in educating health professionals.

Source of data for medical research.

Source of information for public health officials charged with improving the health of the nation.

Source of data for facility planning and marketing.

Tool with which the plan sponsor can assess and continually work to improve the benefits offered by the group healthcare plan. Understanding what is in your record and how your health information is used helps you to:

Ensure its accuracy.

Better understand who, what, when, where, and why others may access your health information.

Make more informed decisions when  disclosure to others.

Your Health Information Rights:

Although your health record is the physical property of the plan, the healthcare practitioner, or the facility that compiled it, the information belongs to you. You have the right to:

Request a restriction on otherwise permitted uses and disclosures of your information for treatment, payment, and healthcare operations purposes and disclosures to family members for care purposes.

Obtain a paper copy of this notice of information practices upon request, even if you agreed to receive the notice electronically.

Inspect and obtain a copy of your health records by making a written request to the plan privacy officer.

Amend your health record by making a written request to the plan privacy officer that includes a reason to support the request.

Obtain an accounting of disclosures of your health information made during the previous six years by making a written request to the plan privacy officer.

Request communications of your health information by alternative means or at alternative locations.

Revoke your  to use or disclose health information except to the extent that action has already been taken.

Group Health Plan Responsibilities:

The group healthcare plan is required to:

Maintain the privacy of your health information.

 

 

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Family Practice Doctor – Things You Should Consider When Choosing One

One of the most                https://psychedelichomes.com/                  important things to consider when trying to find the right medical professional for you and your family is their education. The family practice doctor should have completed four years of undergraduate study, medical school as well as a residency program where he or she can get further training. When in school, this medical student will study an array of subjects such as the body’s systems, mental health, physical health and more. Once all their education is complete, he or she may become certified by the American Board of Family Medicine. All this and more is what you want when choosing a physician to care for you and your loved ones.

 

In addition to credentials, it’s important for the medical professional to have a friendly, easy-going  It would not be to your advantage to see a physician that is abrasive or always in a hurry, rushing through appointments. You want someone that enjoys working with people and as a family practice doctor, he or she needs to be extra kind, since these physicians see a lot of kids. In addition, you want the physician to be flexible because things can pop up unexpectedly for a lot of people and your physician should work with you.

Office Staff

In addition to considering the doctor, you also want the staff to greet you in a professional manner. If you go to an office and have to deal with a staff that’s rude or inattentive, you’ll need to continue your search for a family practice doctor. Talking with the staff is one of the first impressions you get when you go into a new physician’s office. If for some reason you’re not getting the service you want, don’t settle.

Get a Referral

One of the absolute best ways to feel good about the choice you make when choosing a family practice doctor is by getting a referral from friends, relatives or other physicians. This way you can get an upfront review of the doctor and staff as well as make a more informed decision. With friends and family, you can sit down and go through all the things you want in a physician and they will be able to tell you if the physician they are referring you to has those qualities. Also, physicians know physicians, so it can be perfectly fine to ask a dentist, for instance, if he or she can recommend a good family practice doctor for you.

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7 Tips for Talking With Your Family Medicine Doctor

Getting the best    https://wecarefamilyphysicians.com/      possible care for you and your family means taking an active role in the proceedings. Finding a family doctor and knowing how to communicate with that medical professional and the office staff. We have 7 tips for talking with your family doctor that will improve your health care overall.

Talk to Your Doctor

This might sound like common sense, it is important to share any information you can with your doctor, even if it is embarrassing. Hospitals often give the following information during the exam:

• Any symptoms you are having
• Your health history. It is said that keeping a “health journal” is a good idea. This is something you can bring to your appointments because it is often difficult to remember everything you have done.
• Be prepared to share personal information such as feeling stressed or if you are going through a life-changing event.
• Bring any medications you are currently taking. That way you do not have to remember the names of medications and how much strength they contain.
• Any vitamins or supplements you take
• Any X-rays, tests results or medical records you have.

Ask Lots of Questions

There are no stupid questions when dealing with your health. Doctors say that they want to have too much information then having too little. Get in the habit of asking every time you do not understand something. Even have them written down before you go to your appointment.

Set Goals for the Conversation

Even before having a discussion with your doctor, it is said that it’s best to think about the outcome. Diagnosing and treating your ailment takes time so putting your concerns on the table and working with your doctor to determine a plan to address those concerns will be best.

Keep Information At Home

The information given to you by doctors and nurses should be kept where you can get to it if there is a question about your health. Your doctor is a good source of accurate information you can trust. If you are unsure of written instruction, bring along a tape recorder. Ask your doctor if it is okay to tape your appointment.

Follow Up, Follow Up, Follow Up

Many people often feel they are burdening a doctor when they want to share how things are going in their care. If you are confused or have forgotten information, it is okay to contact your doctor. It is said that waiting can only make your ailment worse if you are feeling pain.

Doctors Can’t Read Your Mind

Don’t assume your family doctor who has seen you more than a few times to know exactly what’s wrong all the time. Always be willing to share as much as you can, even after you have become very comfortable with the doctor.

Bring Someone to Appointment

It is always helpful to have a second set of ears. They may also be ale to think of questions or remember details you have forgotten.

Remember to check with your doctor before taking any treatment or medical remedy.

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Diabetes and insulin

People with type      https://starmedpharmacy.com/        1 diabetes must inject insulin every day, often up to four or five times per day.
There are different insulin delivery devices available ranging from a syringe and needle to an insulin delivery pen to an insulin pump.
Your doctor or diabetes nurse educator will teach you about how, where and when to inject insulin, and how to store it safely.
Even with the help of your doctor and diabetes nurse educator, it may take a while to find the right insulin dose to reduce your blood glucose to your target levels.
On this  2 diabetes
Type 2 diabetes
On this page:
Type 1 diabetes
Type 2 diabetes
Gestational diabetes
Insulin for diabetes
Starting on insulin
Types of insulin
Short-acting insulin
Insulin injection devices
Insulin injection sites
Factors that speed insulin absorption
Factors that delay insulin absorption
Disposal of used insulin syringes
Insulin storage
Insulin safety
Record your blood glucose levels and insulin doses
Where to get help
Diabetes mellitus (diabetes) is a chronic and potentially life-threatening condition where the body loses its ability to produce insulin, or begins to produce or use insulin less efficiently, resulting in blood glucose levels that are too high

Over time, blood glucose levels above the normal range can damage your eyes, kidneys and nerves, and can also cause heart disease and stroke. An estimated 280 Australians develop diabetes every day.

Diabetes is Australia’s fastest-growing chronic disease. The main types of diabetes are type 1, type 2, and gestational diabetes.

Type 1 diabetes
Type 1 diabetes develops when the cells of the pancreas stop producing insulin. Without insulin, glucose cannot enter the cells of the muscles for energy. Instead the glucose rises in the blood causing a person to become extremely unwell. Type 1 diabetes is life threatening if insulin is not replaced. People with type 1 diabetes need to inject insulin for the rest of their lives.

Type 1 diabetes often occurs in children and people under 30 years of age, but it can occur at any age. This condition is not caused by lifestyle factors. Its exact cause is not known but research shows that something in the environment can trigger it in a person that has a genetic risk.

The body’s immune system attacks and destroys the beta cells of the pancreas after the person gets a virus because it sees the cells as foreign. Most people diagnosed with type 1 diabetes do not have family members with this condition. For more information about symptoms, visit the Diabetes type 1 fact sheet.

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Type 2 diabetes
Type 2 diabetes develops when the pancreas does not make enough insulin and the insulin that is made does not work as well as it should (also known as insulin resistance). As a result, the glucose begins to rise above normal levels in the blood. Half the people with type 2 diabetes do not know they have the condition because they have no symptoms.

Type 2 diabetes (once known as adult-onset diabetes) affects 85 to 90 per cent of all people with diabetes. People who develop type 2 diabetes are very likely to also have someone in their family with the condition. It is considered a lifestyle condition because being overweight and not doing enough physical activity increases the risk of developing type 2 diabetes.

People from certain ethnic backgrounds, such as Aboriginal or Torres Strait Islander, Polynesian, Asian or Indian are more likely to develop type 2 diabetes.

When first diagnosed, many people with type 2 diabetes can manage their condition with healthy diet and increased physical activity.

Over time, most people with type 2 diabetes will need diabetes tablets to help keep their blood glucose levels in the target range. (Regular blood glucose monitoring may be necessary in order to keep track of the effectiveness of the treatment.) The starting time for diabetes tablets varies according to individual need. About 50 per cent of people with type 2 diabetes need insulin injections within 6 to 10 years of diagnosis.

Read more about type 2 diabetes on the Better Health Channel. The National Diabetes Services Scheme (NDSS) has fact sheets on Type 2 diabetes a