Sound Advice To Lowering Your Health Insurance Premiums

With the high cost of daily living expenses sinking more and more people into a stage of financial distress a smart consumer needs to start looking for ways to save money or at the very least keep their current cash outflow at the lowest possible level. One area many people look at to cut costs is their insurance premiums whether it is auto, life, home or health insurance. A few simple steps can help to lower your total out of pocket costs associated with your current insurance provider. This article will focus on how to keep your health insurance premiums down.

First and foremost you should always make every attempt to stay healthy and in shape. It’s inevitable that at some point in time your health insurance provider will institute a rate increase for your health insurance premiums. When this happens, you are under no obligation to keep them as your health insurance provider and are free to switch to another insurance company provided you can pass their requirements to receive health insurance form them. For that reason alone staying healthy is vitally important to your ability to find a cheaper insurance provider with the same or better health coverage amounts then what you currently have being offered.

Sadly, if you happen to be chronically sick or develop a disease you may have no choice but to stay with your current health insurance provider and accept their premium rate hike. In order to truly be able to enjoy reduced or low health insurance rates you must be healthy, in shape and not taking an excessive amount of medications in order to solve any health issues you may currently suffer form.

Fortunately, you have the ability to influence how healthy you want to be in order to retain health insurance at a lowered rate or premium. Many health experts advocate a diet rich in fruits and vegetables. Approximately 1/3 of your daily food intake should fall into this category and the resulting health benefits include lowering your risk of obtaining high blood pressure, heart disease, cancer and even diabetes. Other medical advice regarding your diet promotes taking vitamins and supplements as well as lowering your consumption of starchy carbohydrates like those found in bread and pasta. Combine this with a good solid exercise program that incorporates weight lifting and a cardiovascular workout and your well on your way to staying healthy and enjoying a lower out of pocket cost for your health insurance.

As we mentioned previously, the key to paying less for your health insurance is to stay as healthy as possible. Here are a few more tips that can help in that endeavor. If you don’t smoke cigarettes then don’t start and if you do smoke then make every attempt to quit. It’s a common fact that cigarette smokers suffer more health problems and actually incur a higher cost for both health and life insurance. If you’re diagnosed as being overweight, suffering from high cholesterol or hypertension (high blood pressure) then chances are good that you will have to pay a much higher premium for your health insurance coverage to your provider. In fact, in many cases your insurance premiums could get higher as a result of a family history riddled with chronic disease such as cancer, diabetes or heart disease.

As you can imagine health insurance can be costly if you’re suffering from any health related problems. However, if you stay in shape and try to adhere to a healthy lifestyle then chances are good your insurance premiums will reflect your health conscious decisions in the form of a cheaper or lowered insurance premium.

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Health And Wellness Products – How To Make Your Own

Health and wellness products will mean very different things to different people.

Wellness can be defined as ‘the pursuit of a healthy, balanced lifestyle.
For the benefit of this article, wellness products are being looked at in the context
of ‘over the counter drugs, health supplements and health remedies.

While for some people, wellness products might be viewed as an aid to recovery
from illness, for others it might be a means of further enhancing some
aspect of their current health. The variety of and uses for such products
are as numerous as are the the definitions of wellness products or wellness
programs, depending of course upon who is promoting them at any given time.

Whatever your reasons for pursuing alternative care health or health and wellness
products, a common goal is to achieve optimised health and well-being.

There are powerful media images hailing the benefits and safety of many over the
counter drugs, supplements and health and wellness products, every where you turn
these days. They have equally strong claims of being the one and only miracle cure
or solution for one ailment or another. How accurate are these claims though, and
what are the real costs to you in monetary and health risk terms?

Immediately after reading this article, go take a look and do a quick add-up of the
total cost of all the health and wellness products you currently have in stock. I’m
sure the figure will surprise you just as much as learning about the very real and
harmful side effects which can be caused by some of these drugs or supplements
that are supposed to be contributing to your overall state of wellness.

You may also be surprised to know that many of the ‘over the counter drugs you
buy on a regular basis, simply treat the symptoms and not the real health issue.
Needless to say, this approach of focusing on the symptom, side-steps
the crucial requirement of getting to the root cause of your condition or whatever
it is that ails you.

You’re most likely to pursue a wellness product either because you are becoming
wary of the adverse effects of chemically produced drugs or because you’re keen to
recover from ill-health and improve a specific health condition. In some instances it
might be that you just want to optimise your current state of good health.

While some health and wellness products can be an effective measure toward
improving your health, you should note that long-term use of certain over the counter
drugs and some supplements can cause you more harm than good, with the long-
term implications far outweighing any short-term benefits. You may well find that
you are paying far too high a price on the basis of a mere quick fix promise.

For thousands of years, people in lands far and wide have used natural homemade
remedies to manage their health conditions and wellness needs, without manufactured
health and wellness products, that can be detrimental to health. They have purely relied
upon attaining or maintaining health by plants or by other natural means.
It could be argued that with the emergence of chemical and pharmacological methods,
many forms of this natural means to health and wellness have declined. In fact, even
by today’s standards, there are many so-called under-developed countries where
inhabitants’ rely on nothing more than homemade health and wellness products,
gained via natural methods of plants or plant-based extracts.

While conventional medicine relies on scientifically backed research to substantiate
effectiveness and safety. In contrast, similar cannot be said about some alternative
medicines or health and wellness products. There is no such requirement but their
promotion as regard effectiveness are deemed sufficient in themselves as support
for therapeutic or wellness claims.

Herbal remedies in general are harmless, however, certain claims being made by
some health and wellness products promoters, (under the banner of being
‘natural’)) can insinuate their health and fitness products being the
exclusive answer to your health condition or wellness questions, thus putting you
at great risk. Secondly, how open are they being about what’s really inside? You
should always consult your physician over any health concerns, as well as discussing
with him/her your intention or choice of alternative means for treatment with any
health and wellness product or remedy.

Multi-billion-dollar industries have long weald their power by way of
lobbying to gain exemption from FDA regulation. This has been exactly the
case, according to the Skeptical Inquirer, who, on commenting on
the ‘dietary supplement industry back in 1994, states – “Since then, these
products have flooded the market, subject only to the scruples of their

The above point is an important one to note in that, while health and wellness
products manufacturers may list ingredients and quantities being used in
specific health and wellness products, there has been no real pressure on them to
do so, or to do so accurately. Furthermore, neither has there been any
watchdog body to ensure they are penalised for this failing.

So, what are the alternatives open to you? Increasingly, more and more people
are turning to do-it-yourself health and wellness homemade herbal remedies.
The distinct difference being that in making your own health and wellness products,
you are in the driving seat. Not only do you have a full awareness of exactly
what the ingredients are and the true quantities, but with the appropriate level of
guidance from a reputable practitioner, you’re more conversant with any health
implications, if any.

With the right know-how, you too can draw on the old-fashioned yet effective
sources to greatly improve your health. For instance, using naturally prepared
herbs, vitamins, minerals and nutritional supplements, essential oils and flower
essences to create real healing solutions that deal with particular health
conditions rather than just the symptoms.

It is in the interest of a health and wellness product manufacturers to promote their
products as being the only option open to you. They don’t want you to know about
the abundant natural resources and health-giving potent attributes of herbs and home
remedies which have been used effectively for thousands of years. You see, these
remedies cannot be patented because you can make them yourself and at a
fraction of the cost.

Whether your goal is to overcome illness, drugs intolerance, allergies or just to
optimise your already good health, with a little know-how, you can start making
your own health and wellness products and remedies, using nothing more than the
readily available natural resources in your home and garden. Not only will you
save your hard earned cash, you also alleviate the risk of serious or harmful
additives and side effects.

Are you interested in learning more about how you can treat numerous common ailments without the harsh side effects, using nothing but natural herbs, vitamins
and nutrients you prepare yourself at home? For instance, did you know that
placing yogurt on your face help to bring water from the deeper layers
of your skin to the surface, moisturizing your skin for the rest of the day and hiding

Here are just a few more of the many quick and effective remedies you can learn
to make:

1. Natural laxatives

2. Beauty recipes

3. Skin care and cleansing preparations such as acne treatment

3. Herbal shampoos as well as how to treat hair loss

5. Dermatitis

6. Menstrual Pain and PMS Symptoms

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A Guide to Diabetes Association

Diabetes is a common disease affecting millions of people all over the world. It is a metabolic disorder where the body either does not produce sufficient insulin, or is not able to efficiently use it. Insulin is a hormone required to convert the starches, sugars and other food into energy. Type 1, Type 2 and Gestational diabetes are three main types of diabetes.

American diabetes association is the not-profit organization that supports 23.5 million people suffering from diabetes, including adults and children. The organization was founded in 1940, and their mission is to prevent and cure diabetes, and also to improve the lives of diabetics.

Diet Recommendation of American Diabetes Association

As per recommendation of American diabetes association, it is essential to make the healthy lifestyle choices, and making wise food choices is one of the best ways to manage diabetes, and keep the body free of complications. Once you are diagnosed with diabetes, it is essential to meet with the nutritionist, and get the diabetic meal plan as soon as you can. It is also important to choose the foods that have low glycemic index, and high concentration of minerals and vitamins.

Several diabetes associations have declared some foods such as whole grains, berries, green leafy vegetables, nuts, beans, citrus, fat free milk and yogurt, sweet potatoes, tomatoes and fish as the super foods, and it is easy to integrate these foods in your existing diabetic diet.

In recent years, the oversaturation of useless, terrible foods have replaced the healthy diets. These foods lack essential vitamins, magnesium, potassium, calcium and fiber. The super foods suggested by diabetic associations are great for good health and longevity.

Diabetes associations all over the world work towards fighting the deadly consequences of diabetes, and offer help to people suffering from this disease. As per American diabetes association, diabetes is chronic only if the underlying causes are not resolved, and unfortunately, none of the modern medicine seems to address the underlying causes.

The modern medicines only attempt to control the disease by suppressing the symptoms, keeping the insulin and glucose levels in the normal range artificially, but the disease keeps becoming progressively worse. In a drive to help people with diabetes, American diabetes association offers a Step Out program, where each step taken by the walkers from all over the country helps them raise money, and the association uses these funds to provide community based education and fund critical research for the diabetes cure.

American diabetes association has issued the clinical practice recommendations to diagnose diabetes which promotes A1c as the easier and faster test. This test could reduce the number of people with undiagnosed diabetes. This test measures the average blood glucose levels over the period of three months.

American diabetes association offers most up-to-date information on diabetes, and if you become a member, you can get the latest information regarding breakthroughs in diabetes treatment options and research, continuing education opportunities, forums for networking with peers, and grants supporting the research on the disease.

American diabetes association delivers services to several hundreds of communities, funds research to cure, prevent and manage diabetes, gives voice to the people who were denied their rights because of diabetes and provides objective and credible information.

Diabetes association of Nigeria is a non-political, self-sustaining, non-religious, voluntary and non-profit organization, and is a member of International Diabetes Federation affiliated to WHO.

Australian diabetes association is a peak scientific and medical body in Australia which was established in 1973, and works towards improving the care of diabetics. It is a society for medical practice, research and education in Diabetes Mellitus. The membership to the society is open to any scientist or medical graduate with interest in diabetes.

Always consult your doctor before using this information.

This Article is nutritional in nature and is not to be construed as medical advice.

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The Most Common Misconception About DIABETES

Diabetes is a disorder of the metabolism characterized by high blood sugar due to a disruption in the capacity of the body to handle carbohydrates properly. On top on being the leading cause of both blindness and kidney failure, diabetes can cause nerve damage and circulation disruption which put people at greater risk for heart disease and stroke. Despite the tremendous burden Diabetes place on society, many people harbor several misconceptions about the disease.

Misconception #1: Diabetes is a disease that kids get, therefore if you didn’t get it then, you don’t need to be concern about it.
Misconception #2: Diabetes is an old person’s disease and middle-age people do not need to worry about it.
Misconception #3: When older people get diabetes, it is mild, so you don’t have to pay much attention.


There are several types of diabetes but for the sake of this article we will be talking about type 1 and type 2. Both kinds of presentation involve elevated blood sugar levels and abnormal fat and protein metabolism.

Type 1 diabetes accounts for only 5% to 10% of diabetic patients and occur most often by young adulthood (once called juvenile-onset diabetes).

Type 2 diabetes, previously called non-insulin-dependent diabetes mellitus (NIDDM) or adult-onset diabetes, is responsible for a weeping 90% to 95% of all diagnosed cases in adults. While Type 2 usually appears after age 45, half of all people with the disease develop it before age 60.


After eating the amount of carbohydrates (sugar) in your blood rises, even if you haven’t actually eaten sugar. As a result, your pancreas secretes insulin, a hormone that escorts sugar into hungry cells that either burn it for energy or store it for later use. Insulin can facilitate the transport of sugar to any number of places, ranging from your liver and muscles to other bodily cells, including fat cells.

In Type 1 diabetes, an autoimmune reaction destroys the pancreatic beta cells, the only cells in the body capable of producing hormone insulin that regulates blood glucose (sugar). People with this type of diabetes needs insulin injection to survive, without insulin injections, death may occur in a matte of days.

Insulin resistance is a major hallmark of Diabetes Type 2; it’s a disorder in which the cells do not use insulin properly leading to a gradual loss of the pancreas’ ability to produce more insulin in response to a higher demand. Type 2 diabetes is associated with many risk factors including, elderly, obesity, positive family history of diabetes, previous history of gestational diabetes, impaired glucose metabolism, physical inactivity and a race/ethnicity. Because Type 2 diabetes may not need insulin shots, many people wrongly assume that the disease is not serious.

Because Type1 diabetes lack entirely of insulin the onset is usually abrupt with obvious symptoms such as extreme thirst, frequent urination, blurred vision or unexplained weight loss. In Type 2, the symptoms takes longer to show up because the glucose levels rise slowly since the patients has some insulin in their systems. As result, half of people suffering from Type 2 diabetes don’t know they have it until complications start showing up and consequently, they go untreated for a long time putting them at greater risk for more complications.

Testing Guideline

The American Diabetes Association recommends that all Americans 45 yrs or older should be screened for diabetes at least once every three years. Testing should be considered at a younger age or be carried out more often in individuals with a BMI ≥25 and those with one or more of the other risk factors.

The fasting plasma glucose(FPG) test is the best screening test for diabetes because it is easier, faster to perform, more convenient and acceptable to patients, and less expensive. It also requires an overnight fast but the patient doesn’t have to drink the sweet liquid or wait two hours like the old oral glucose-tolerance test (OGTT).

An FPG ≥126 mg/dl is an indication for retesting, which should be repeated on a different day to confirm a diagnosis. If the FPG is <126 mg/dl and there is a high suspicion for diabetes, an OGTT should be performed. A 2-h post load value in the OGTT ≥200 mg/dl is a positive test for diabetes and should be confirmed on an alternate day). Fasting is defined as no consumption of food or beverage other than water for at least 8 h before testing.

Non-diabetic individuals with an FPG ≥100 mg/dl but less than 126 mg/dl are considered to have IFG (impaired fasting glucose), and those with 2-h values in the OGTT ≥140 mg/dl but less than 200 mg/dl are defined as having IGT (impaired glucose tolerance). Patients with IFG and/or IGT are now referred to as having “pre-diabetes,” indicating the relatively high risk for development of diabetes in these patients. Normal glycemia is defined as plasma glucose levels less than 100 mg/dl in the FPG test and a 2-h post load value less than 140 mg/dl in the OGTT.

If necessary, plasma glucose testing may be performed on individuals who have taken food or drink shortly before testing. Such tests are referred to as casual plasma glucose or random measurements and are given without regard to time of last meal. A casual plasma glucose level more or equal to 200 mg/dl with symptoms of diabetes is considered diagnostic of diabetes. This measurement needs to be repeated and confirm with a second FPG test or OGTT completed on a different day if the clinical condition of the patient permits.

Getting The Best Treatment

Lifestyle modification including diet and exercise and new drugs are the mainstay approach to control Type 2 diabetes and associated issues such as hypertension, high triglycerides level, low HDL (good) cholesterol, etc. The goals on diabetes treatment are to eliminate symptoms and prevent, or at least slow, the development of complications.

When caught early, Type 2 diabetes can often be controlled with diet and exercise alone. Since eighty percent of patients are overweight, getting rid of a just a few pounds can have a tremendous beneficial effect in blood sugar levels, metabolic state, blood pressure and cholesterol levels. Unlike Type 1 diabetics who must carefully monitor the balance of carbohydrates to other foods at every meal, patient with Type 2 can perform well just by cutting down calories. The best way to do this is to cut back on saturated fat and to boost consumption of grains, fruits and vegetables.

Exercise reduces the body’s insulin needs by boosting the cell’s sensitivity to insulin. To get started, a 20-minute walk each evening, taking the stairs instead of the elevator at work or when shopping is recommended. When exercise and diet alone aren’t enough to control the diabetes, it’s time for drug therapy. There are now a variety of medications that can help with diabetes Type 2.

Caution: Patients with diabetes should be careful in making sudden changes in lifestyle modification including diet, exercise and medications. The main goal is to avoid an unsafe and critical lowering of blood sugar (hypoglycemia) due to an excessive exercise session, fasting or high dose of medication. Therefore, work closely with your doctor to ensure a safe and good control of blood sugar.

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Diabetes Dietary Supplement For Diabetics

It may be hard for any diabetic person to know which is the most effective and safe diabetes dietary supplement. In order to be certain of what diabetic supplement to buy, you need to know what causes diabetes, the importance of the supplement and the basic tips on buying any health supplement.

What Causes Diabetes?

There are different types of diabetes. These are Type 1 diabetes, Type 2 diabetes, gestational diabetes and Pre-diabetes. All these four have varying characteristics. Their nature requires different forms of treatment as well.

Type 1 diabetes is the ailment that attacks mostly children. Type 2 diabetes usually happens during middle-age, when the individual becomes insulin resistant. It also happens to people who are obese, or have existing serious ailments. Gestational diabetes on the other hand is a type of diabetes that happens to pregnant women. Though the diabetes lasts only during the pregnancy period, still there is a bigger chance for the mother to develop a type 2 diabetes in the later period. Pre-diabetes is not a fully developed kind of diabetes but the glucose level of the individual is higher than the normal level.

Treatments for Diabetics

As being mentioned, these four types of diabetes have different remedies. The basic treatments for each kind of diabetes are as follows:

1.) Type 1 is treated with Insulin because children who suffer this ailment have insulin deficiency.

2.) Type 2 has different types of medication some are oral pills like Oral sulfonylureas, or Alpha-glucosidase inhibitors, and more.

3.) Gestational diabetes is treated more on diet restriction, and having a good amount of exercise. For gestational diabetes at the serious degree, an oral medication is given under the close supervision of the physician. Insulin injection is also administered.

4.) Pre-diabetes may not be an alarming condition but still it has its risks factors that need to be avoided. Thus, this form of diabetes is handled more on its preventive measures. A healthy diet and a good amount of exercise are very much encouraged for the patients.

Dietary Supplement for Diabetes

Now, on the dietary supplements issue, we can debate on it and its relevance but still what matters most are the facts. Considering your oral and injectable medication that do not cure diabetes but rather regulate or stop symptoms only, then a supplement for diabetes is also received that way. However, the natural supplements contain more of the essential nutrients that help the diabetic patient control the blood sugar and prevent the symptoms naturally. You can guarantee that there will be no adverse effect.

Perhaps one major tip that any expert can give you is this – buy the supplement that contains all natural ingredients. You can never go wrong with natural ingredients that contain substances that are significant to diabetes.

Take for example, the very common onion and garlic, these natural organic products contain substance like Allicin. Allicin can reduce the level of your blood sugar. If your diabetes dietary supplement has the indispensable substances from natural ingredients, then it surely helps you conquer your diabetes because it is safe and effective.

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