Five Things You Should Tell Your Doctor About Your Prescription Drug Abuse

Prescription drug abuse can be devastating, but many women seek treatment and go on to live happy, healthy and productive lives after substance abuse. While life after substance abuse has its own challenges, taking care of your health can be one of the most important. Many women leave treatment dedicated to improving their quality of life, their lifestyle and their overall wellness. A keystone to this plan is taking care of your health, both emotional and physical. While it may be difficult to talk to someone outside of your treatment support network about your history with prescription drug abuse, it is crucial for your overall health and well-being that you are open and honest with your doctor.

Talking To Your Doctor About Prescription Drug Abuse
For some women, their primary care doctor may have been the first healthcare professional they spoke to about their problem with prescription drug abuse. For others, they may have never mentioned addiction or substance abuse to a primary care physician, instead choosing to direct enroll in a treatment program or speak to a behavioral health specialist. Whichever category you fall into, plan to have a discussion with your primary care doctor about your drug rehab treatment at your next visit. You may find advice and support from those in your group therapy sessions or from your counselor before you visit, but they key is to state the facts and be honest. Hiding the extent, frequency or downplaying the impact of your abuse can put you at risk for misdiagnosis or missed symptoms later in your life.

Things You Should Plan To Discuss:

• Which substances you used, the frequency of use and the timeframe of use
• Any physical ailments or diagnosis you had during the time you were suffering for prescription drug abuser
• Your treatment program, your outlook on treatment and your relapse prevention strategies
• Your emotional well-being and any challenges you are facing in your recovery
• Your feelings towards pain management in the future - be open about your fears and your expectations with your doctor

You may find that your doctor has additional questions about your prescription drug abuse. He or she may ask to contact your rehab counselor or ask questions about your meetings. Feel free to be open with your doctor, he or she is only trying to help you maintain your positive lifestyle changes. If you feel that your doctor is not interesting in your history of substance abuse, or does not give it the significance you deserve, find another healthcare professional. Remember that your long-term health is your responsibility, you must take responsibility for your treatment and your care. Don't let anyone brush aside the achievements you have made- prescription drug abuse is a serious illness that you have worked or are working hard to overcome.

If you or a woman you love is having behavioral health problems, especially with substance abuse or prescription drug abuse, she may benefit from a drug abuse program that also offers depression treatment. Remember that recovery from addiction and alcohol abuse treatment means learning how to cope with intensely emotional situations, and identifying when you need help and support.

Colorado Health Insurance: Helpful Information

The Colorado health insurance marketplace can be difficult to navigate. If you're looking for health insurance on your own, you may be wondering, "Where can I find the right health plan for me? Where can I turn if I am denied health coverage? What are my rights as a consumer in Colorado?"

To help answer those questions, we have researched and compiled important information regarding Colorado health insurance. By taking the following tips into consideration, you'll be able make a more educated health insurance purchase.

Things to Remember When Shopping for Health Insurance

Colorado health insurance consumers should follow the following recommendations when purchasing health insurance:

• Read the insurance policy and contact the insurance company or insurance agent if you have any questions.
• Make sure you review the section of your health insurance policy entitled "exclusions and limitations."
• Find out how rates will increase as you age, and how often an insurance company can increase rates.
• If you are looking for a managed-care plan, check the provider's directory to make sure there are suitable doctors, hospitals and other health care providers available.
• Find out if there are any "health plan report cards" available that assess consumer satisfaction/quality of care with various health insurance plans.
• Call the insurer's customer service number to see how quickly you are able to get help.
• If you have special needs or preexisting conditions, make sure you contact a doctor or support organization for health insurance recommendations.

Colorado Health Insurance Subscriber's Rights

Colorado health insurance consumers have certain rights through Colorado state law. Regardless of the type of health insurance coverage you hold, you have a right to:

• Insurance coverage for certain mandated benefits
• Know what your health insurance plan does and does not cover
• Contact your insurer to complain or appeal any decisions with which you disagree
• Receive a standard form outlining health insurance benefits for comparison between companies and health plans
• A written explanation of why an insurance company denies your health insurance application, or excludes a health condition from insurance coverage
• Coverage of emergency room care, if you believe you are facing a life- or limb-threatening injury (even if it turns out you were not)
• Prompt payment of claims

What to Do If You Are Denied Health Insurance Coverage

If you have been denied health insurance coverage in the state of Colorado due to preexisting medical conditions, you may qualify for the Colorado Uninsurable Health Insurance Plan (CUHIP). CUHIP gives uninsurable Colorado residents the ability to be insured through the state-subsidized CUHIP program. However, due to the higher risk levels of CUHIP patients, CUHIP subscribers pay about 30 percent more for health insurance than most healthy people. If you are uninsurable due to a preexisting health condition, you may contact the CUHIP administrator at 1-800-672-8477 for more information.

Remember to Shop Around

Health insurance plans can vary widely in both price and coverage. Make sure you take the time to shop around, ask questions and learn as much as you can about potential health insurance policies.

Health Fitness

Health fitness involves exercising and working out to look and feel better. Your physical and mental well being depend on it. Exercising can reduce your chances of heart disease and diabetes. It can also reduce the effects of depression and eliminate stress. The physical and mental benefits of health fitness are well worth the efforts. They will ensure you are able to live a healthier, happier life. Do you want to just live your life or do you want to enjoy your life? The choice is yours.

Health fitness involves finding activities that are going to improve your current fitness level. Everyone's current level of fitness is different so improving your fitness level can be walking for 10 minutes and for someone else it can be jogging an extra ½ mile. The point is you have to start somewhere and you should only compare yourself to where you want your health fitness level to be in the next year. Set realistic goals that are challenging but achievable.

There are too many ways to improve your health fitness to count. You get to choose the activities that you are able to participate in that you enjoy. This is one way to motivate yourself. If you enjoy football then go play it twice a week. If you hate aerobics then don't do it. Look for another exercise that will help your heart but that you like doing. For too long in our society exercise has been viewed as something dreadful that we avoid at all costs. If you want your health fitness goals to be possible then turn the entire situation into something positive.

Health fitness isn't all about exercise either. How many of us take the time to meet our own needs on a regular basis? Not very many of us. Our careers and families keep us plenty busy. Take some time for yourself at least once a week for one hour. Use this time to do something for only yourself. It can be as simple as enjoying a bubble bath or reading a good book. Take up a hobby you enjoy or learn a new skill. This quality time will help you unwind and relieve stress. It is a very important part of health fitness. Our mental health can cause physical health problems for us as well as affect our diet and sleep patterns.

Eating properly also plays an important role in health fitness. You will feel sluggish and irritable if you consume large amounts of carbs, fats, and sugar. They give you a temporary boost of energy but not for long. Eating plenty of fresh fruits and vegetables will help you maintain energy levels all day long without the fluxuation. You will also consume less calories but feel full all day long. Health fitness is a very important issue that more of us need to focus our attention on. It affects both our physical well being and our mental well being. Health fitness gives us the opportunity to be the healthiest we can. You will look and feel better than you have in a long time.

Natural Health For Cold Sores

Cold sores, fever blisters, herpes simplex, HSV: These are all names for the far too common ailment that so many millions of us suffer with. This unsightly, painful and embarrassing condition is widespread and highly contagious. I wanted to find natural health therapies to deal with cold sores.

The cold sore is caused by the herpes simplex virus (HSV). There are 2 types of the virus, aptly named HSV type I and HSV type II. Cold sores are usually caused by the type I strain and, as previously mentioned, infections are contagious. That fact is worth restating, an awareness of this fact is an important component of reducing the spread of the virus to friends, family and unsuspecting strangers.

While the risk of contagion is far higher when cold sores are visible, a person infected with HSV can pass it on to another person even when a cold sore is not present. It is, however, almost impossible to catch herpes from contaminated surfaces, towels, or washcloths.

The virus lies dormant in nerve ending of the body until triggered from it's dormant state into an active one, causing the outbreaks. The most common causes to trigger the outbreaks are overexposure to sunlight, stress, hormonal changes or imbalance (such as can be caused by the menstrual cycle for women), trauma to the skin (my first outbreak was caused by a bee sting on the lip) and changes/compromises of the immune system. Irritatingly, outbreaks can occur for seemingly no particular reason at all.

Colds sores may come back as often as once a month or they may only happen once or twice a year or even over much longer intervals. When they do come back they tend to come back in the same place on the body. Most people can feel symptoms of a recurrence before it happens. That telltale tingling or burning sensation in the region where one harbors the virus is a sure sign it would like to make an appearance in the next couple of minutes, hours or days. Now is the time to act.

In January of 1998 a breakthrough in HSV research was made when it was discovered that a specific fungus was always present around the herpes outbreak site. Cold sores have a fungal host and the virus hides inside the fungus.

When acting against the virus it is not always possible to stop the recurrence of the cold sore when you feel it coming on. There are things you can do to try to stop it in its tracks or at least lessen the severity of the outbreak but in acting against the virus rather than its host the measures are temporary.

I have tried the various prescription and over-the-counter medications available such as Valtrex®, Zovirax® and ABREVA®. I have not personally found any of these to be very effective in reducing the frequency or severity of outbreaks although they may work for some people. My personal feeling with regard to using ABREVA® or any other topical ointment is that the need to frequently touch the area to apply the product is counter-productive to the healing and containment of the outbreak.

I have found the amino acid L-lysine to be helpful to speed recovery time from an outbreak and to reduce the chance of recurrences of the herpes infection. It is a natural amino acid and it is considered to be safe and non-toxic. L-lysine can be taken in pill form. It is also inexpensive and easy to find in any store that carries a good selection of vitamins and supplements.

This information from the University of Maryland Medical Center further outlines some usage guidelines:

"Adults with herpes simplex should follow these guidelines:

* To treat symptoms: 3,000 - 9,000 mg per day in divided doses

* To prevent recurrences: 500 - 1,500 mg per day

Because of the potential for side effects and interactions with medications, dietary supplements should be taken only under the supervision of a knowledgeable health care provider."

In the past few years my own recurrences had been happening more and more frequently despite my use of Lysine and my best efforts to minimize triggers such as too much sun, stress etc. In my on-going search for treatment to this currently incurable scourge I have found an amazing treatment that works better for me (and apparently thousands before me) for preventing outbreaks and stopping them in their tracks than anything else I have ever tried. The treatment comes in the form of a non-chemical patch known as the Aura Patch. This particular form of the Aura Patch (there are 35 different therapies) was created in conjunction with another research company that made the initial accidental discovery that the specific fungus was always present around the herpes outbreak site. The discovery that herpes has a fungal host and the virus hides inside the fungus is groundbreaking and led to the development of this natural product.

Aura Patches deliver natural energetic frequencies that let the body heal itself. This technology takes the concept of homeopathy and applies it to a 21st century product. No pills or side effects, just pure energy in frequencies that occur in an abundantly healthy person. The energy frequencies are burned onto the patches in much the same way as a software program is burned onto a CD. The OLE Aura Patch (the specific Aura Patch for HSV) has energetics against herpes simplex virus and also a barrier that can't be tolerated by the fungal host. The patch stops an outbreak almost as soon as it is placed on the body. A thirty day treatment is usually sufficient to rid the body of the fungal host that harbors the virus.

There are other natural anti-fungal HSV remedies out there as well that may also deliver promising results. I cannot speak personally for any of them. It is exciting, whatever route you take, to know that there is now help for this widespread condition.

What Has Changed in Health & Fitness Over the Last 30 Years?

There have been many changes in fitness over the past 30 years. It's human nature to reminisce about times past. That's great but lets not forget that things change as well. This is certainly true in the area of health and fitness. "If you do what you have always done, you will get the results you have always gotten" is true, but what if the situation changes? Then what used to work is no longer a viable and effect way to get the results that we want. In this article I will outline seven items that have changed over the past 30 or so years that affect the way we view health, fitness, exercise and what is considered "best". Let's look at some of these changes in Fitness.

1. Activity level

This change in fitness is pretty obvious. We just don't move around as much as we used to 30 years ago.

Currently, the average sedentary person living in an urban setting takes 900-3000 steps a day. Uh... that's a puny number! In the journal of sports medicine existing literature was pulled together to set a general guideline of what a good number of steps per day would be

The author Dr. Catrine Tudor-Locke translated different physical activity into steps-per-day equivalents. A rate of fewer than 5,000 is classified as sedentary, 5,000 to 7,499 is low active, 7,500 to 9,999 is somewhat active 10,000 or more is active and 12,500 or more is very active. So what does 900 make us? Close to dead! But its not hard to imagine. Get up from, take elevator to car park, drive car, take elevator to office, sit down, order fast food, reverse the process to go home and go back to bed. Just to note, 1km is about 1300 steps.

Its gotten to the point where we have to purposely inconvenience ourselves to get our activity level up. Here are some suggestions (that actually show us how pathetic our average activity levels have become).

Park at the far end of the car park and walk to your building Instead of dropping the kids off in front of the school, park a couple of streets before it and walk them the rest of the way... 10,000 is actually considered a LOW estimate for children.

Go round the shopping centre or supermarket in a random. With today's super malls, this is a big thing!

Take the stairs instead of the lift or escalator (well if you work on the 50th floor, maybe climb halfway to start)

Give the dog an extra 5 minutes on his walk (we need it even more than him)

Stop emailing colleagues in the same office, instead go over and talk to them (shockingly effective considering how much email we send each day!... great for team building as well)

Go for a walk during your lunch break, walk to get your lunch or to find somewhere to eat your lunch

Get up and do something, run up and down the stairs for example during TV ads (no excuses here!)

Walk to the corner shop instead of driving or popping in on your way home

Walk to friends houses instead of driving

Take public transport and walk from the train station

Dr. David Bassett studied an Amish community to see what things were like in the past. These guys have no cars, no electricity and do hard manual labor to put food on the table. Its like time travel to the past. They eat 3 large meals a day with lots of meat, vegetables and natural starches like potatoes.

The 98 Amish adults Bassett surveyed wore pedometers for a week. The men averaged 18,000 steps a day. The women took an average of 14,000 steps.

The men spent about 10 hours a week doing heavy work like plowing, shoeing horses, tossing hay bales, and digging. The women spent about 3.5 hours a week at heavy chores. Men spent 55 hours a week in moderate activity; women reported 45 hours a week of moderate chores like gardening and doing laundry. Wow that's a lot of manual labor. Get a pedometer (its only like 20 bucks) and see how you fare.

2. Fat Percentages and Obesity

Activity level leads us right on to this point about obesity. The scary obesity rate is one of the most obvious changes in fitness.

The obesity rate among the participants in the study of the Amish population was 4 percent, as determined by body mass index, or BMI. The current obesity rate among the urban populations is 30% or more. OK the obesity percentages are a scary thing because obesity is already in the "VERY high risk of a lot of bad ways to die" category. There is still the overweight category (obviously fat but not hitting the medically obese range) to consider. These people are at a high risk already!

The total percentages of overweight + obese are really wild... hitting close to 70% in some cities. Compare this to the average in the 1980s. 10-15% obesity in most cities. It rose to the mid 20% in 1995 and its now at an all time high.

3. Diet

OK linked to point no.2 is of course diet. This is another obvious change in fitness. Its very simple actually. We now eat more refined foods (white bread, sugar, rice, flour, noodles). In the body these give pretty much the same response - FAT storage. The only time we should eat these items is immediately after hard training. As we can tell from point no.1, not much of any training is going on. But lots of eating is!

We also eat less fresh fruits, vegetables and meats. We eat more snacks like chips and cookies (which are also refined despite what advertisers claim).

These changes in fitness are made more troubling because even natural foods today are not as good for us as they used to be. Current farming methods make vitamin and mineral content in fruits and vegetables drop about 10-40% depending on the mineral. Corn fed meats don't give us as good an omega 6 to omega 3 ratio as we used to get from grass fed and free range animals. (that means not so many healthy fatty acids for us)

And of course, we are also simply consuming more calories. The Amish people in the study in point no.1 ate about 3600 calories/day for men and 2100 calories/day for women. Many sedentary people consume this much and more! How? Well a fully "featured" gourmet coffee from coffee bean or Starbucks can add up to 500 calories in an instant of caffeine folly.

That's 2 hours of walking for an average sized lady.

Just remember, calorie quality counts as well. 2000 calories of vegetables, meat and healthy fats is infinitely better than 2000 calories from french fries. Its close to impossible to get fat on the first, and nearly impossible not to get fat with the second.

I like this car analogy. If you had a 2million dollar dream car, would you put low grade or high grade petrol into it? High grade of course! Then why do some people put low grade filth into their bodies which are so much more important than the car we drive?

4. Games children play

The average child who grows up in an urban environment is a motor-skill weakling. As a hobby, I coach youth basketball. In our talent scouting, I have kids do a very simple drill of dribbling in and out and around cones. There are so many kids who can't do it and some who I think might fall down if asked to RUN around the cones without the ball! This is in contrast to the past where kids ran around, chased each other, played physical games and sports of all kinds, where the playground was the center of fun for young kids. This lack of activity not only causes a change in fitness for the child in his/her youth, but has a profound long term effect as well.

Of course this change in fitness is a result of a combination of possible factors.

Parents who only consider academic success to be worth striving for, who only give a child recognition and praise when they do well in academic subjects.

An education system who also values book knowledge above other things and takes away physical education classes to put more academic lessons in.

Poorly taught PE lessons that don't help a child develop motor skills in the key early years Busy double-income families where fathers are not free to play with their children (or don't care enough to... money isn't everything dads)

The maddening computer game addiction situation where virtual life is more important than real life. I believe this is the reason for all the empty basketball courts in my neighbourhood. It used to be that teams lined up to play there. Now only people my age (late 20s to 30s) play. No young kids are there any more.

But actually, so what? The issue is that if kids stink at sport and physical activity, the well known psychological factor of "competence" comes is. Simply put, in general, we do what we are good at. If our next generation is poor at sport and physical activity, they are even less likely to do any of it! Which combined with items 1 to 3, make for a deadly health crisis for many countries. Obesity costs the UK 7.4 billion in national health care per year! If we don't help our kids, that's only going to grow to be a bigger and bigger burden for everybody.

5. Social Support

This is a more subtle change in fitness. People are communal animals. We stick with things because there is a supportive community behind us. Even drug and alcoholism rehab centers recognise this. We all need social support. But social links are getting weaker. And no, Friendster and MySpace links don't make up for it.

In a more connected but less close world (I know so many people who are only comfortable behind a computer screen and not in front of a real person) there is less social support than in the past (extended families, communal living, strong friendships within a neighbourhood etc) and its hard to stick with something which requires dedication and sacrifice like an exercise program. I'm not a sociologist but I do believe there is a reason that exercise classes do better in terms of membership than individualized training. Most of them certainly are not as effective as great individual coaching. But the social factor does come in when sustaining a lifestyle change is involved.

6. Free Time

This subtle change in fitness is pretty clear. We just have less time that we "own". Bosses, social, family and other commitments make free time a very precious commodity and it adds difficulty to the fact that time is our only non renewable resource. When we choose to exercise or spend time cooking to keep a healthy lifestyle, we are competing with movies, games, TV and other things for free time. We know that exercise is good for us, but it not only has to be good for us, it has to be BETTER in our minds than the latest episode of desperate housewives, or the latest computer game. That's the issue. We need to prioritize long term health over temporary fun.

7. Training methods

OK here is where we are doing well. 30 years ago the aerobics craze took the western world by storm. Its not a very good training method both in terms of results, and in terms of results per unit of time. Add that to the fact that we have such minimal time to train, we can't afford to train in a sub-optimal way. We know a lot more now. Fortunately for us, there are good methods that smart coaches use to improve training efficiency and get RESULTS even with less training time. Some of these include smartly designed resistance training programs, interval training and good assessment techniques to determine individual needs. If you have a coach like that in your corner, you can turn back the clock and avoid becoming one of the ever growing statistic of people who's health is headed in the wrong direction. Stay fit and strong and good luck!

Health Fitness Center - Should You Sign Up For One?

The New Year is fast approaching and it is a well known fact that gyms do the most business at the time of the New Year as a lot of people take up New Year resolutions related to getting in shape. This article will help you decide if you should indeed join a heath fitness center or if your fitness goals are something that can be achieved from your own home.

First of all, here are the advantages of a health fitness center

· State of the art equipment - Most of the health fitness centers these days have great equipment that will be very expensive for you to buy on your own.

· Motivation - There are usually other users at the gym and you will feel motivated to do your best in front of other people. Being in a public place will also not allow you to get relaxed or bored.

· Fitness trainers - A health fitness center will usually have a team of physical trainers. Though some people find them useful, I will discuss a bit about them in the conclusion of the article.

Disadvantages of a health fitness center

· Timings - Though some gyms are open 24 hours a day, many gyms will only be open for a certain period of time that might not necessarily be convenient for you.

· Crowded fitness centers - There is nothing worse than a crowded gym where you will not be able to do your workouts or where you will have to wait a long time to do your workouts.

· Expensive - Some gyms are quite expensive to join and most of them will require upfront payments which will be wasted if you are not able to visit the gym as you might have planned.

· Efficiency of fitness trainers - The biggest disadvantage when it comes to health fitness centers is that the trainers there can offer misleading or confusing information that will leave you stranded with your fitness goals. Man y times, you will see two trainers offer you completely contradicting pieces of information on a particular fitness or bodybuilding issue.

In my personal experience, health fitness centers are great if you know what you are doing. If you however have to rely on a fitness trainer, you just have to pray that he or she is a good one as they can easily lead you astray. For example, if one wanted to achieve an angular look where their muscles looked like they are shrink wrapped, they will have to use certain advanced techniques that will usually not be known by the personal trainers at most gyms. If you happen to be interested in that information, you can visit the link mentioned in the resource box below.

Health Screening - A Revolutionizing Process to Prevent and Treat Any Disease Effectively

Health Screening - Prevention and Disease control.

The new "holistic health center" consists of different, completely holistic (entire body) oriented components: A) Fast, effective, pain-free and non-invasive diagnosis, B) Analyzing and immediate treatment of meridian blockages, C) Energy therapy for over 200 disease conditions including cancer, nerve- and bone related diseases, D) Health monitoring and effective prevention to avoid future disease manifestation.

A Holistic Health Center in the design of a mini-clinic will serve the urgent need of health screening and prevention. Health Screening is a new method for early non-invasive diagnosis, usually performed within a few minutes. It is based on the over 5.000 year old knowledge of the Traditional Chinese Medicine (TCM) and is the first reliable Meridian Diagnostic in the world. Cost efficient and highly accurate - up 95%.

Meridian diagnostic is the core concept of efficient health analyzes. A computer based high tech measurement of the 12 main meridians and its correlated organs. It provides a complete energetically picture of a person displayed in an easy to read graphical format. The measuring points are (20) on the fingers and (20) on the toes. Overall biological energy levels, meridian balance, yin - yang, left - right, top - bottom organs, etc. is recorded and can be used for future therapy control (health screening).

Energy levels over 50% reflect health, vitality, less aging, high immune system activity. Energy levels under 50% reflect energy deficit, low immune system activity, disease condition, chronic diseases.

Therapy suggestions are displayed with exact treatment points. One of the major advantages of the Meridian Diagnostic is the advantage to discover unknown Meridian Blockages in the system. When one or more meridian blockages exists the patient becomes Therapy Resistant, which means no therapy will have a sufficient effect. With the BioGraph meridian diagnostic system we are able not only to discover blockages furthermore we can treat and "delete" those blockages immediately. The patient turns from therapy resistant into therapy receptive. The therapy effects are re-established.

The second component in the Holistic Health Center is the world leading and cost efficient "Pulsating Energy Resonance Therapy" (PERTH) acc. to Prof. Dr. Werner (Germany).

Four (4) complete professional therapy systems on a therapy bed will serve app. 32-50 people treatments per day. The capacity can be extended to 8 therapy systems and will serve more than 64 people treatments per day. The basic research of the PERTH therapy started in the early 1920's with Dr. Royal Rife (The end of all diseases), later research by over 200 Russian researcher for the space program MIR in Russia and since 1994 the research is finalized by a well known German researcher and medical professional Prof. Dr. Werner. In cooperation with leading German universities Werner developed the cancer and bone therapy programs with proven results in 1000's of medical and clinical studies.

The new PRTH P5 professional treatment system is easy to use, non-invasive, pain free and highly effective for prevention and disease treatment. The energy increase can be monitored with the Meridian Diagnosis immediately after a treatment session.

Particular meridians and related organs are effected long time before a disease becomes a pathological issue. (green - normal, yellow - attention and red - signals treatment is necessary). For example most cancer patients have an energy level of only 25%, or energy deficit of 75%. This means the immune system is nearly not functioning anymore. Fertile ground for cancer cell grow is established without major defense. Cancer can spread in the body. The reverse circumstance high energy levels - a powerful immune system, health and vitality and a non toxic environment don't allow cancer cell grow. Disease development of any kind becomes impossible. The Meridian Diagnosis and PERTH treatment combination will make those scenarios visible and immediate treatment plans can be developed. The treatment effect is tested and recorded on a patient by patient basis during the very first measurement - therapy - measurement sequence.

This reflects the most effective way to prevent any kind of disease long time before it would appear. In addition the treatment of existing diseases is not "blind" anymore and the patient - treatment response can be finalized through different therapy applicators. For example mat treatment for energy balancing and meridian harmonization, oxygen increase in the blood (65% after 10 minutes), immune system boost, better sleep and vitalization etc. The treatment with the head applicator for the central nervous system, head, eye, ear, nose diseases and brain related diseases like Parkinson, Multiple Sclerosis, Alzheimer's etc. The intensive applicator for all joint related problems and to rebuild the cartilage, which is alone a phenomena and was completely impossible before. Finally a point applicator for any pain related circumstance. The PERTH therapy system is very easy to use, any therapist assistant can perform the treatment after a short introduction. As soon a therapy plan is in place patients for therapy or prevention can go in and out on their scheduled appointment without long waiting periods.

Indication:

- Degenerative bone and joint disease (hip arthritis, Bechterew's disease, Sudeck's disease)
- Arterial circulation disturbance (hardening of arteries in the leg as result of smoking, lower leg sores, stroke, heart attack)

- Asthma, allergies,

- Burnout syndrome

- Cancer, Leukemia

- Heart diseases

- Liver cirrhoses

- Eye diseases (cataract)

- Venous circulation disturbance (thrombosis, thrombophlebitis)

- Sport injuries, healing of wounds and bones, general regeneration of tissue

- Chronic turbal catarrh resistant to treatment, tympanic effusion, inflammation of the middle ear

- Stabilization of circulation

- High and low blood pressure

- Pulmonary emphysema

- Osteoporosis

- Radiant sickness

- Acute and chronic nasal cavity sicknesses

- Virus infections, allergies, migraine and asthma

- Tinnitus aurium (ear noises) and macular edema (retina damage)

- Stress, sleep and digestive problems

- Metabolic disturbances (normalization of fatty acid and pH values)

- Diabetes in the elderly

- Incontinence, bed wetting with children

- Parkinson disease, multiple sclerosis, amyotrophic lateral sclerosis (ALS),

- Climatic problems, potency problems

- Rheumatic disease with chronic pains

Indications are given in strict conformity with International Statistical Classification of Diseases and Health Problems of the 10th review, accepted by the 43rd World Health Assembly.

NERVOUS SYSTEM DISEASES:

The sequel of nervous system inflammatory diseases (meningitis, encephalitis, myelites, encephalomyelitis), Parkinson's disease, multiple sclerosis, epilepsy, migraine, headache, transitory cerebral ischaemic attacks, sleeplessness, disturbances of sleep-awake cycles, trigeminal neuralgia, facial nerve lesions, neuralgia, neuritis, phantom limb pain syndrome, mononeuropathies, polyneuropathies (including diabetic), infantile cerebral paralysis, hemiplegia, paraplegia, tetraplegia and other paralytic syndromes, vegetative nervous system disorders, vascular (neurocirculatory) dystonia, hydrocephalus, toxic and other encephalopathies, intracranial hypertension (increase of intracranial pressure), fatigue syndrome in recovery period.

ENDOCRINE SYSTEM DISEASES, NUTRITIVE AND METABOLIC DISORDERS:

Hypothyrosis, clinical manifestations of hyperthyrosis (thyro-toxicosis), diabetes mellitus, adrenal / ovarial / testicular dysfunction, local fat deposits, adiposis, bilirubin metabolism disturbances, mucoviscidosis.

MENTAL AND BEHAVIORAL DISORDERS:

Acute alcoholic intoxication, abstinent delirium (delirium tre-mens) and abstinent status without delirium, symptomatic treatment of chronic alcoholism, depressive disorders, neurotic, stress induced and somatoformic disorders (tic, vegetative nervous system disorders, enuresis, logoneurosis, etc.), sleep-awake regimen disturbances of inorganic etiology, absence or loss of sexual libido, insufficiency of sexual reaction (impotence of inorganic origin), orgasmic dysfunction, mental retardation.

CIRCULATORY SYSTEM DISEASES:

Essential (primary) arterial hypertension, hypertensive disease, arterial hypotony, ischemic heart disease, myocardial infarction, pericarditis, endocarditis, myocarditis, cardiomyopathy, cardiac arrest, paroxysmal tachycardia, intracerebra! hemorrhage, cerebral infarction, stroke, cerebral atherosclerosis, hypertensive encephalopathy, cardialgiae (pains in the cardiac region), cerebrovas-cular diseases sequelae, diffuse atherosclerosis, Raynaud's syndrome, narrowing (obliteration) of arterioles, varicosis, lymphadenitis, lymphoid edema, lymphangitis.

RESPIRATORY ORGANS DISEASES:

Acute nasopharyngitis (nasal cold), vasomotoric and allergic rhinitis, acute pharyngitis, acute tonsillitis (angina), acute laryngitis and tracheitis, chronic rhinitis, nasopharyngitis and pharyngitis, chronic sinusitis, chronic diseases of amygdalae and adenoids, chronic laryngotracheitis, diseases of vocal cords and larynx, acute obstructive laryngitis (croup), and epiglottitis, acute respiratory infections, viral and bacterial pneumoniae (inflammations of the lungs), acute bronchitis, acute bronchiolitis, recurrent and chronic bronchitis (obstructive and non-obstructive), bronchial asthma, bronchoectasiae, pneumoconiosis (occupational pulmonary diseases), pleurites, sarcoidosis, tuberculosis.

DIGESTIVE ORGANS DISEASES:

Oral cavity diseases, pyrosis, esophagitis, gastroesophageal reflux, esophageal ulcer, esophageal dyskinesia, gastric ulcer, duodenal ulcer, acute and chronic gastritis and duodenitis of various origin, pylorospasm, Crohn's disease, ulcerative colitis, acute and chronic gastroenteritis and colitis, irritated intestine syndrome with and without diarrhea, constipation, functional diarrhea, neu-rogenous excitability of the intestine, anal sphincter spasm, anal and rectal fissurae and fistulae, hemorrhoids, alcoholic liver disease, toxic liver lesion, acute and chronic hepatitis, hepatic fibro-sis and cirrhosis, cholelithiasis, acute and chronic cholecystitis, biliary tracts dyskinesia, acute and chronic pancreatitis, vomiting after surgical intervention on gastroenteric tract, postoperative intestinal obstruction (intestinal paresis), dysfunction after colosto-my and enterostomy, secondary disturbances of intestinal absorption, disturbance of alimentary behavior (overeating).

SKIN AND SUBCUTANEOUS FAT DISEASES:

Skin abscess, furunculi and carbunculi, panaris, atopic dermatitis, seborrheic dermatitis, contact dermatitis, neurodermitis, psoriasis, Quincke's edema, burns (including sunburns), frostbite, focal alopecia (baldness), follicular cysts of the skin and subcutaneous fat, hyperhidrosis (sweating), vitiligo, callosities, atrophic skin lesions (trophic ulcers), hypertrophic skin lesions (keloid cicatrices), erysipelas.

DISEASES OF BONES, MUSCLES AND CONNECTIVE TISSUE:

Infection, postinfection and reactive arthropathiae, rheumatoid arthritis, juvenile arthritis, gout, polyarthrosis, osteoarthritis deformans, articular cartilage lesions, ligaments lesions, joints luxations and subluxations, hemarthrosis, exudate in the joint, pain in the joint, rigidity of the joints, osteophytes ("spurs"), lupus erythematosus, dermatopolymyositis, systemic sclerosis (including sclerodermia), systemic vasculites, scoliosis, osteo-chondrosis, torticollis, ankylosing spondylitis, spondylopathiae, spondylosis, inter-vertebral disks lesions, radiculopathiae, radiculitis, ischias, lumbago, backaches, myosites (muscles inflammation), synovites, tenosynovitis and bursites, ligaments and joints injuries, pain in the limbs, other unspecified diseases of joints and soft tissues, bones fractures, poor fractures consolidation (including age-related fracture of the neck of the femur), osteomyelitis, periostitis, periodontitis, parodontosis, parodon-titis.

DISEASES OF THE EYE AND ITS ADNEXA:

Hordeolum and chalazion, blepharitis, dacryocystitis, chronic inflammation of lacrimal ducts, acute and chronic conjunctivitis, keratoconjunctivitis, corneal scars and opacities, cataract, retinal breaks and detachment, diabetic retinopathy, open-angle glaucoma, optic neuritis, optic atrophy, squint, myopia (nearsightedness), hyperopia (including age-related), blindness and lowered vision, eye pain.

DISEASES OF THE EAR AND MASTOID PROCESS:

Acute and chronic external otitis, non-purulent of middle ear, perforation of the drum membrane, tympanosclerosis, neurosen-sory hypoacusis, ototoxic hypoacusis, pain in the ear.

UROGENITAL SYSTEM DISEASES:

Glomerulonephritis, acute and chronic nephritic syndrome, acute and chronic tubulointerstitial nephritis, acute and chronic pyelonephritis, reflux-uropathy, toxic nephropathy, hydronephrosis (without obstruction), urolithiasis, renal ischemia or infarction, acquired renal cyst, acute and chronic cystitis, neuromuscular dysfunction of the urinary bladder, urethritis, urinary tract infection without definite localization, enuresis; hyperplasia of the prostate, adenoma of the prostate, acute and chronic prostatitis, prostatocystitis, prostatic calculus, orchi-tis and epididimitis, balanopostitis, vascular disorders of male genital organs, certain forms of male sterility; mastopathia fibrocystica, mastitis, lactostasis, nipple cracks and fistulae; salpingitis and oophoritis, vulvovaginitis, incomplete vaginal prolapse, ovarial cysts, incorrectwomb positions, cervical erosion, myoma and fibromyoma, absence of menstruations, poor and rare menstruations, frequent, irregular menstruations, premenstrual syndrome, menstrual pains, early menopause, climacteric status, recurrent abortion, secondary female sterility.

PREGNANCY, CHILDBIRTH AND POSTNATAL PERIOD:

Arterial hypertension as complication of pregnancy, childbirth and postnatal period, edema and proteinuria caused by pregnancy, nephropathy of pregnancy, excessive vomiting of the pregnant, hemorrhoids, diabetes mellitus, herpes of the pregnant, arterial hypotony syndrome in mother, preparation for childbirth, anesthesia during childbirth, hypothermia of unclear origin appearing after childbirth, changes of mammary gland and lactation.

CERTAIN CONDITIONS APPEARING IN PERINATAL PERIOD:

Lesions of fetus and newborn caused by mother's diseases and complications of pregnancy and childbirth, birth injuries, intrau-terine hypoxia, respiratory disorders of fetus and newborn, non-traumatic intracranial hemorrhage in fetus and newborn, neonatal jaundice, transitory neonatal endocrine disorders, digestive disorders in perinatal period, thermoregulation disorders and skin changes in fetus and newborn, regurgitation, vomiting, poor sucking and overfeeding, muscular tonus lesion in newborn.

SYMPTOMS, SIGNS AND DEVIATIONS FROM NORM FOUND OUT DURING CLINICAL AND LABORATORY INVESTIGATIONS:

Increased blood pressure without diagnosed hypertension, cough, stridor, wheezing respiration, hiccup, sneezing, pain in throat and chest, pain in stomach and pelvic region, nausea and vomiting, pyrosis, meteorism, lesions of skin sensitivity, pain associated with urination, retention of urine, loss of consciousness and coma, nervousness, anxiety and excitation in association with failures and disasters, emotional shock and stress, speech and voice disorders (dysarthria, dyslexia, dysphonia), fever of unclear origin, headache, indisposition and fatigue, syncope and collapse, senility (without psychosis).

Small Business Health Insurance - An Employer's Guide to Getting Small Business Health Insurance

Saving on your small business health insurance can be a challenge. But there are ways to overcome the financial obstacles and get the coverage necessary for your business. There are two major benefits of employer-based coverage. First these plans, although expensive, usually carry the best all around protection for you and your employees. Second, providing benefits plays a key role in attracting and retaining quality employees.

Why is coverage for small businesses so much more than for large corporations?

Health insurance for small businesses cost so much because of the high quality coverage concentrated among a small group of people. Every individual within the group represents a different level of financial risk to an insurance company, and this risk is added up and spread out among the group. Large corporations pay considerably less because the risk is spread to such a large group, where small business owners can see unreasonably high increases in premiums due to one or two members. Small businesses also have to insure their employees under state mandates, which can require the policies to cover some specific health conditions and treatments. Large corporations' policies are under federal law, usually self-insured, and with fewer mandated benefits. The Erisa Act of 1974 officially exempted self-funded insurance policies from state mandates, lessening the financial burdens of larger firms.

Isn't the Health Care Reform Bill going to fix this?

This remains to be seen. There will be benefits for small business owners in the form of insurance exchanges, pools, tax credits, subsidies etc. But you can't rely on a bill that is still in the works, and you can't wait for a bill where the policies set forth won't take effect until about 2013. Additionally, the bill will help you with costs, but still won't prevent those costs from continually rising. You, as a business owner, will need to be fully aware of what you can do to maintain your bottom line.

What can I do?

First you need to understand the plan options out there. So here they are.

PPO

A preferred provider option (PPO) is a plan where your insurance provider uses a network of doctors and specialists. Whoever provides your care will file the claim with your insurance provider, and you pay the co-pay.

Who am I allowed to visit?

Your provider will cover any visit to a doctor or specialist within their network. Any care you seek outside the network will not be covered. Unlike an HMO, you don't have to get your chosen doctor registered or approved by your PPO provider. To find out which doctors are in your network, simply ask your doctor's office or visit your insurance company's website.

Where Can I Get it?

Most providers offer it as an option in your plan. Your employees will have the option to get it when they sign their employment paperwork. They generally decide on their elections during the open enrollment period, because altering the plan after this time period won't be easy.

And Finally, What Does It Cover?

Any basic office visit, within the network that is, will be covered under the PPO insurance. There will be the standard co-pay, and dependent upon your particular plan, other types of care may be covered. The reimbursement for emergency room visits generally range from sixty to seventy percent of the total costs. And if it is necessary for you to be hospitalized, there could be a change in the reimbursement. Visits to specialists will be covered, but you will need a referral from your doctor, and the specialist must be within the network.

A PPO is an expensive, yet flexible option for your small business health insurance. It provides great coverage though, and you should inquire with your provider to find out how you can reduce the costs.

HMO (Health Maintenance Organization)

Health Maintenance Organizations (HMOs) are the most popular small business health insurance plans. Under an HMO plan you will have to register your primary care physician, as well as any referred specialists and physicians. Plan participants are free to choose specialists and medical groups as long as they are covered under the plan. And because HMOs are geographically driven, the options may be limited outside of a specific area.

Health maintenance organizations help to contain employer's costs by using a wide variety of prevention methods like wellness programs, nurse hotlines, physicals, and baby-care to name a few. Placing a heavy emphasis on prevention cuts costs by stopping unnecessary visits and medical procedures.

When someone does fall ill, however, the insurance provider manages care by working with health care providers to figure out what procedures are necessary. Usually a patient will be required to have pre-certification for surgical procedures that aren't considered essential, or that may be harmful.

HMOs are less expensive than PPOs, and this preventative approach to health care theoretically does keep costs down. The downside, however, is that employees may not pursue help when it is needed for fear of denial. That aside, it is a popular and affordable plan for your small business health insurance.

POS (Point of Service)

A Point of Service plan is a managed care insurance similar to both an HMO and a PPO. POS plans require members to pick a primary health care provider. In order to get reimbursed for out-of-network visits, you will need to have a referral from the primary provider. If you don't, however, your reimbursement for the visit could be substantially less. Out-of-network visits will also require you to handle the paperwork, meaning submit the claim to the insurance provider.

POSs provide more freedom and flexibility than HMOs. But this increased freedom results in higher premiums. Also, this type of plan can put a strain on employee finances when non-network visits start to pile up. Assess your needs and weigh all your options before making a decision.

EPO

An Exclusive Provider Organization Plan is another network-based managed care plan. Members of this plan must choose from a health care provider within the network, but exceptions can be made due to medical emergencies. Like HMOs, EPOs focus on preventative care and healthy living. And price wise, they fall between HMOs and PPOs.

The differences between an EPO and the other two organization plans are small, but important. While certain HMO and PPO plans offer reimbursement for out-of-network usage, an EPO does not allow its members to file a claim for doctor visits out its network. EPO plans are more restrictive in this respect, but are also able to negotiate lower fees by guaranteeing health care providers that it's members will use in-network doctors. These plans are also negotiated on a fee-for-services basis, whereas HMOs are on a per-person basis.

HSA (Health Savings Account)

An HSA is a tax-advantaged account used to pay existing and future medical expenses. HSAs are used in conjunction with high-deductible health plans (HDHP), which will make some with pre-existing conditions ineligible. Also, HSAs must be funded with cash. Communicating the terms of this account to your employees is important, as a large number of HSAs are underfunded or improperly funded. The health savings accounts were signed into the law by George Bush in 2003, and have become an affordable alternative to a group health plan.

When inquiring about an HSA, there will be a few things you will want to clarify. While HSAs generally cover routine medical expenses and copays, some can provide dental and vision care as well. And since HSAs can be combined with certain compatible plans, it is important to understand how money from the account will be allocated. And finally, you will want to know about cashing out your HSA balance. The amount is taxable and could be subject to a ten percent excise tax.

HRA (Health Reimbursement Arrangement)

An HRA is exactly what it sounds like. The employer reimburses the employee for health care. As an employer, you will usually have the option to contribute to a reimbursement fund, or to pay fees as they are incurred. These reimbursements can be deducted from your taxes, and are tax-free for your employees, saving you both money.

Some providers empower employers by giving them more options. HRAs, unlike HSAs, don't have to be funded with cash money, placing a book keeping entry on your balance sheet is enough. You can usually control aspects of your arrangement such as reimbursement limits, whether you or your employee pays first, and if the previous year's funds roll over.

HRAs are becoming a more popular option because of the control it has given small businesses. Combined with a high deductible health plan (HDHP), an HRA could be the most cost-effective solution to your small business health insurance problems. It's always best to compare these plans to PPOs, HMOs, and EPOs to know what works best.

Fee for Service (FFS) or Traditional Indemnity

A fee for service plan is the most flexible small business health insurance option. You choose your doctor, and your hospital. You can see a specialist without a referral. This flexibility, however, comes with more out-of-pocket expenses and higher insurance premiums.

The typical FFS plan has a deductible ranging anywhere from five to fifteen hundred dollars. After this amount is reached, the provider will pick up eighty percent of your medical bills, and require you to pay the remaining twenty percent. Because of the rising costs of health care, and the potential for a small number of doctor's visits to cost thousands, these plans can become incredibly expensive.

Flexible Spending Account (FSA)

A flexible spending account is a savings account to be used for medical expenses, and is funded by pre-tax dollars. Using pre-tax dollars means that your employees will actually show that they have less income, and will therefore have less taxes withheld. As an employer, you set the limit on contributions to the account per year. In addition to the employee contribution, you can also credit the account, or fund it completely from your general assets.

An FSA, especially if combined with an HDHP, can significantly reduce the costs of small business health insurance.

You should be forewarned, money from FSA accounts cannot be rolled over. They are, however, available to use for two years and two and half months after the benefit year. A terminated employee won't be able to use leftover funds, unless there is a positive remaining balance and COBRA is elected.

Small business health insurance providers have made significant improvements in their services to simplify the administration of your plan. With HRAs, FSAs, and HSAs, your employees can use debit cards for medical transactions. Be sure to research this thoroughly. You will want to be sure your debit card plan is IRS compliant, and that you can use a large number of pharmacies. You should also pick a plan that can verify eligibility on the spot. Talk with your agent about linking transit, parking fees, and prescriptions to the same card. When picking the debit card options, please be sure to clarify the details of the substantion process. This is IMPORTANT! With other plans, the provider may assign someone to manage your plan. Or you may have to hire someone. Still, you should be able to login to your account and print insurance cards, important papers etc.

The next thing you can do is thoroughly assess your needs. Being that every member of your small business plays a key role in its success, it is vital that their needs are met. And understanding these needs is crucial to finding the right plan. Find out about chronic illnesses, and additional information related to past health issues. Know what your employees think about health insurance, and get them involved in the process.

Hiring an agent or a broker

Finding and understanding small business health insurance can be a daunting task. While some choose to go it alone, others need some professional assistance. You need to understand the difference between an agent and a broker, and how you can get the most from either of them.

A broker

Brokers function independently and usually work for several different companies. Since they have a variety of resources, they can usually provide more options and a better overall view of the marketplace. Brokers will assist you by evaluating the costs and designs of plans from your local major carriers. The cost isn't everything, you want to get the coverage that you need.

Ask the broker how he or she is getting paid for their services. They should readily divulge that information. Some brokers may charge you a flat free. Some receive a fee from an employer, while others receive a commission from the insurance provider. Any commissions could be reflected in your premiums, but not to the point that you should worry.

An agent

Agents typically provide services for one company. They have a closer relationship to the insurance company than a broker would, giving them more leverage to make alterations to your plan. In some cases they can offer a particular plan for less than a broker, and may have access to additional services like worker's compensation. To find out what different providers have to offer, talk to more than one agent. It may be time-consuming, but it could bring you closer to the most cost-effective solution for your small business health insurance.

One of the common options presented by agents is the employee-elect option. This is an arrangement where employees pick the plan they prefer. Those who don't need as much coverage won't be forced to pay so much, and those who do need it can get it without increasing the financial burden of the company as a whole.

How to Save On Your Small Business Health Insurance Plan

What's important to remember is that there really is no inexpensive solution to health care. Even if your initial premiums are reasonably low, they could rise significantly at your next renewal. So saving money on small business health insurance is about doing a combination of things simultaneously to get good rates, and to then maintain those rates.. And it will require a consistent effort from you, your employees, and your insurance provider.

First, you can save yourself money by reading the fine print. You need to know exactly what your plan does and DOESN'T cover. There are also state mandated coverages. For example, in states like Illinois, your insurance must cover mammograms. Also, understanding the ins and outs of your plan will give you and your employees a better idea of how to deal with your insurance.

Next, you should shave unnecessary benefits. After reading all about your plan, you will find coverage for things you may not need. Eliminating these benefits can significantly drop monthly small business health insurance premiums. For example, eliminating coverage for brand name medications can reduce costs by more than 25 percent.

Wellness program have worked wonders for small businesses. A wellness program is any program designed to promote healthy living within the organization. Weight loss competitions benefit every participant. Add a financial incentive for further motivation. Stock the work fridge with water, and leave literature about healthy living lying around. Search the internet for calorie counting charts. Raising awareness entice workers to make positive changes. Active, exercising, diet-conscious employees have stronger immune systems, more vitality, and more productive workplaces. They also don't deal with as many health issues. Fewer doctor visits and hospitilizations will help maintain lower annual premiums, because it will prove to your insurance provider that your business is a low financial risk.

Increasing your co-pay and deductible can go a long way towards cutting costs. For instance, raising co-pays by just ten dollars has saved companies as much as thirteen percent on their premiums. A higher deductible will significantly reduce your monthly premium. To lessen the financial burden of high-deductible health plans (HDHPs), combine them with an HSA. Combinations like these have saved both business owners and employees bundles of cash.

Check into getting a nurse hotline. A nurse hotline is a toll free, 24-hour-a-day, seven-day-a-week service. Employees can get medical advice from qualified, registered nurses. This method has deterred a large number of people from emergency visits, and it can also be used for preventative care as well. Insurers like Nationwide have them, or you may have to purchase from a third-party provider.

Increase the size of your group to reduce your monthly small business health insurance premiums. In a survey by America's Health Insurance Plans, small businesses who employed ten people or less paid forty three more dollars on average than businesses with twenty six to fifty employees. Check around with other businesses owners, or fellow members of business organizations. Some states also have small business groups and pools for this purpose. Check with your state Chamber of Commerce and Department of Insurance.

Beware of heavily discounted plans. First, there are numerous scammers trying to get your money. They promise low rates, and usually cover little to nothing at all. The internet is notorious for swindlers trying to hustle you out of a buck. If you are going with a company you aren't familiar with, please do your research. On another note, even reputable companies present problems. In an attempt to gain market share, Blue Cross offered small businesses discounted rates in 2008. For 2009, some of these same businesses were set to see increases of as much as 47% in their premiums. As the costs of medical care increases, the costs are shifted from the insurer to the insured, and discount plans become overpriced plans quickly.

Shop around. As mentioned before, talking to different agents will expose you to the best that insurance providers have to offer. Ask other small business owners about their providers. You can use trusted online resources like Netquote and Ehealthinsurance to shop around instantly. These services also let you compare plans side by side, and allow you to purchase your plan online. Even after you get your initial plan, it's good to annually reevaluate your coverage. This will keep you on the up-and-up about what the market is offering. Keeping costs down is an ongoing effort, especially with rates and plans changing all the time from company to company.

Share some of the costs with your employees. Raising employee contributions isn't a popular option, but it may be one of the only ways to absorb costs and maintain small business health insurance coverage. Communicate with your employees about how to keep costs down, and remind them that their increase is your increase as well.

The sad truth is that, no matter how many cost-cutting methods you apply, your insurance premiums are expected to continually rise. In addition to this, you can't prevent every health problem with exercise and higher co-pays.

The Health Care Reform Bill won't kick in until about 2013, so waiting on its benefits won't do you any good. There is definitely a need for change, because the current system discourages competition and growth. With smaller businesses functioning as the backbone of this ailing economy, company medical insurance must BE affordable, and STAY affordable.

Three Reasons to Choose Organic Skincare

When you are looking for a way to clear up a skin condition or you simply want to try and get younger, healthier looking skin, the first place you are probably going to go is your local pharmacy. You will find thousands of products, but these are not necessarily going to help you. If you want the best skin care treatments, you have to go natural. The following are the top three reasons to choose organic skincare:

The first thing you want to consider is what chemicals you are putting into your own body. Many skin care systems contain chemicals that can harm you in large doses. In fact, some ingredients, which are simply preservatives, are being researched to find out if they are the cause of some cancers. On the other hand, organic skincare products will only contain natural ingredients and ones that are not going to cause any future problems with your own health.

Not only do you have to concern yourself with future problems with your health, but more issues with your skin. Many of the chemicals in makeup and cleansers will actually cause more problems to your skin condition. In fact, if you have oily skin and are treating it, you could actually cause it to become too dry and very irritated. Basically, you are just going from one condition to another, potentially, worse condition.

Another reason you should choose to use organic skincare is that it will have less affect on the environment. Most people do not stop and think what happens when the ingredients in products get washed from your face. These chemicals get into the drains and sewers, eventually ending back up in our waters. In fact, research that has been done are finding chemicals in fish that should not be there. By using natural products, you will never have to worry about what you are washing off your face and where it is going to end up.

Health Fitness Club and Its Features

This is an article talking about the advantages of the health fitness club. There is several health fitness clubs that use the techniques listed. Infrared technology unprecedented in America, to melt the fat that provides a muscle gain over 40% without effort; 600 abdominal movements were recorded per session, the latest "palpate-roll" which can overcome the most cellulite encrusted, private lessons muscle strengthening and stretching, lifting the facial muscles through electro stimulation, which is currently the only alternative to surgical facelift and finally Pilates is a method of preventive and curative common manifestations of pain. Gym is known to be a common place for all, but a health center is even more effective.

Cardio-Training is a training conducted instead on a bicycle, indoors or outdoors, because it is the active exercise is best for fat loss. This training aims to improve cardiovascular capacity and cardio-respiratory and may also be practiced on a stepper or rowing machine, too. Sports are the best ways to workout. Cardio-Training is used as part of a slimming program. Your current rate is measured with a cardio-frequency meter and the number of flashes per minute, not to exceed, will be calculated by the fitness club trainer depending on your age and your weight. To get meaningful results with Cardio Training, it is essential to practice at least 45 consecutive minutes, 2 or 3 times a week.

There is a completely new technology in America, to melt the fat away visibly. Say farewell to cellulite with the help of infrared technology being practiced in fitness clubs. The infrared radiation causes a loss of stored fat, comparable to that found at an elevation of internal temperature or external. The benefits of this method are measured by infrared in terms of efficacy, safety and shortening the duration of care. Some of the most visible effects are the appearance of skin, number of inches lost and the disappearance of cellulite. The radiation passes through tissue to a depth of 7 cm, without danger. Thus, a loss of 1 cm is found by 30-minute session on the desired areas.

Electro stimulation is another important technique in a health fitness club that provides a means by which you can gain muscle without stressing your nervous system. This stimulates precisely certain muscle groups in order to achieve a faster muscle growth. The operating principle of electro stimulation is very simple because it faithfully reproduces the muscle contraction when it is controlled by our brain. A health studio is also said to come with the added advantage of a spa.

Tips on Early Warning Signs of Drug Abuse in Teenagers

Drug abuse in teenagers is a serious disaster for every parent. A responsible parent will unavoidably blame themselves for not being vigilant enough. Abusing any kind of these stuff like heroin, glue sniffing, amphetamine, marijuana, ices or morphine will cause the teenage lack motivation in study, stay sluggish and rebellious at all time. The drug addiction which normally starts in an innocent ways will lead the kids to a world of own fantasies and self destruction. The impact on one self health deterioration, extinct of self motivation in life greatly destroys our next generation.

Through this article, I would like to share some tips on identifying early warning signs of drug abuse:

Sign 1: A sudden drop in work or school attendance and diminish quality of work and grade.

Sign 2: The kids will frequently borrow money, sometimes resorting to stealing.

Sign 3: Inability to relax or have fun without having some stuff like cigarette, "sniffing medicine" or "supplements"

Sign 4: An easily outburst, mood swings and irritability shown by the teenage.

Sign 5: The person starts talking incoherently, making inappropriate remarks.

Sign 6: The person becomes sluggish, deterioration of physical appearance.

Sign 7: At the later stage, addiction will cause a person express exhaustion, signs of depression and feeling of hopelessness.

Sign 8: Sometimes extreme withdrawal symptoms manifested such as sweating,restlessness, insomnia,tremor, nausea, increase of heart beat and anxiety.

Sign 9: Abnormal appearance like blood-shot eyes with red and dilated pupils( for marijuana users), bloody nose (Cocaine users), sign of drowsiness, fatigue, confused and disorientation.

Sign 10: Abnormal behaviors exhibit such as slowing thinking and reaction time, slow breathing, slurred speech, impaired co-ordination.

It is crucial that we stay vigilant to detect all early warning signs, to bring the kid back to proper track!