As more Americans become covered by high-deductible HSA-qualified health insurance plans, the market is responding with lower prices and more convenient options for minor doctor visits, prescription drugs, and lab testing.  By being savvy healthcare consumers and comparing prices before buying, HSA owners can reduce their medical expenses and build up more money in their health savings accounts.

“Consumer driven healthcare” is the name that has been given to the change that is currently happening in the medical marketplace. As millions of people get Health Savings Accounts, medical providers are having to adapt to the new reality of people spending their own money when purchasing healthcare. As more companies compete for your business, the opportunities to save money will continue to grow.

Since the advent of employer-sponsored health insurance during World War II, the pricing and quality of medical services has been shrouded in mystery. As the real price for computers, organic food, big-screen TV’s, and just about everything else has continued to drop (including health services where there is not a third party payer, such as laser eye surgery, contact lenses, over the counter medication), the price of healthcare has continued to rise. But that is finally beginning to change.  And you, fellow HSA-owners, are the reason.

To gain a competitive advantage, healthcare providers have traditionally attempted to grow local market share in an attempt to extract higher payments from insurance companies. But since Health Savings Account owners have the ability to accumulate unspent funds and invest them tax-free, those of us with a Health Savings Account have a strong incentive to avoid unnecessary care, and to be more cost conscious when we seek treatment.

There are now billions of dollars in Health Savings Accounts, and healthcare providers want access to that money.  And since you control it (instead of the insurance company), the only way for the provider or retailer to get that money is to offer you high quality care at a price you are willing to pay. And dozens of companies are doing just that.

The Market Responds

One obvious response to the consumer-driven healthcare movement is the proliferation of quick-service medical clinics. These clinics, which require no appointment and typically charge less than $50, offer a low-cost way to diagnose and treat strep throat, bronchitis, pink eye, and other common ailments. MinuteClinic operates dozens of locations in Target, Cub Foods, and CVS Pharmacy stores. Wal-mart, which currently has 75 in-store clinics in 12 states, is forecasting more than 6,600 in-store medical clinics will be open in retail stores within 5 years.

Diagnostic labs, which have traditionally sold their services to physician’s offices, are now offering tests directly to the public at prices often 70% less than you would pay at a doctor’s office. With most you can order the test online, go give blood, and get your results in a couple days.

Companies are even providing self-testing services and devices which can enable you to avoid going to the doctor when minor medical events occur. One of the most common reasons kids see a doctor is because of a possible ear infection. For about $50 you can buy an EarCheck Middle Ear Monitor. This uses sonar to test for fluid behind the eardrum, which may indicate an infection. ”The QuickVue Strep Test” which costs less than $4 per test in a pack of 25, can quickly help you determine if your child has a strep infection, which would require a doctor’s visit, from a common viral infection, which would not.

Demand Price Transparency

Health Savings Accounts reward personal responsibility in three ways: 1) they reward you with tax-breaks for putting money aside to cover future medical expenses; 2) they reward you for taking care of your health by enabling you to grow your account; and 3) they reward you for being a cost-conscious and discerning consumer.

So be a discerning consumer, and spend your money wisely. Remember that the doctors and healthcare providers you see work for you. If you don’t get the quality of service or a fair price, take your business elsewhere. Here are some common sense suggestions to make sure you do get a good price:

1.       Ask how much it will cost, before you buy.  There is nothing else that you buy without knowing the price up front, so don’t feel intimidated to ask your doctor the same.

2.       Review your bill before paying it.  You might be shocked how often extra charges are “accidentally” tacked on to hospital bills.

3.       Ask for a cash discount.  To avoid the hassles of filing for insurance and trying to collect past-due charges, most physicians will gladly offer a cash discount if you ask.

4.       Explain that you will be paying out of your own pocket.  When a doctor is prescribing tests or writing prescriptions, he or she is rarely taking cost into consideration.  The American Journal of Preventive Medicine recently reported that up to $63 billion in medically unnecessary tests are ordered every year.

5.       Vow never to pay list fees.  Doctors and hospitals routinely discount their services to insurance companies and PPO organizations.  As a cash-paying customer, you should get the best price available.

For many years, a small group of health economists and other policy-makers pushed for a more market-based approach to healthcare. They correctly argued that healthcare was like any other market and that if you put a true price on health care services and let the market function, costs could be controlled. We are now beginning to see this happen.

Our healthcare system is the best in the world. It is a dynamic and complex work in progress, which can only get better as the consumer gets involved. So be savvy about how you spend your healthcare dollar. And watch those unspent funds in your Health Savings Account continue to grow.

The Medicare Trust Fund will soon be out of money, and there will be no practical way for the government to continue to provide the level of benefits that current Medicare recipients receive.  The result will be serious rations, waiting periods, and a reduction in benefits.  If you wish to maintain your medical freedom, and have access to a high level of medical service, you must be prepared to pay for it yourself.  The best strategy is to take good care of your health

, and to build up your medical retirement fund as large as possible by using a Health Savings Account.

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The Wheelchair and Mobility equipment industry, like all others, experiences the same phenomena of consumerism including choice, independence, competition, variety etc.

People with various handicaps need to/ would want to make decisions, and of course informed decisions on the type of wheelchair they buy. Access to reliable information on wheelchairs and mobility equipment is in many cases not readily available unless one has access to a reliable provider of the information or therapist. Of major concern in the choice of wheelchair/seating equipment is the level of disability and dependence/independence. Other limiting factors in choosing the right wheelchair is cost. Wheelchairs and mobility/seating equipment can be quite expensive and may sometimes require arrangement with third party players (e.g. donors, life insurance providers, Medicare providers, family etc) who may feature quite prominently in its acquisition. The implication is that the equipment purchased must meet the minimum requisite for the particular person/purpose. This is because third party players may not be available for recourse if the equipment purchased is not befitting the purpose or need of the intended owner(s).People needing rehabilitation equipment such as wheelchairs will therefore require to consult widely and gather as much information from the market as possible on what is available, flexibility, accessories, maintenance & servicing, durability and of course pricing before making a choice. The difficult part is that in many instances the buyer may be limited in their search and would therefore need the guidance/participation of their families and therapists at various levels of the process.A glimpse at what is currently available in the wheelchair industry can be accessed on the Internet with interesting new developments.All in all a wheelchair must suit its owner, whether he/she is able to take care of himself or is largely dependent on support from others. Additional features and accessories will always reduce the level of dependence on others. Where possible a manufacturer may even customize a wheelchair for a particular person or purpose. The most recent wheelchair has such enhanced functions as ability to climb stairs, curbs, traverse gravel sand and so on. But then you part with $30,000.Remember they say that a return to normality is immeasurable

, irreplaceable and priceless.

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There are two types of Athletes, the highly trained competing at the top level and the recreational athlete. These two categories are subdivided into the various sporting activities that they take part in.

There are two types of Athletes, the highly trained competing at the top level and the recreational athlete.

Different sporting activities attract different levels of athlete.

The dietary supplements that the two types of athlete require are different and within the sub categories this also holds true but without the same importance.

Athletes competing at the top level of their chosen sport will have coaches, dieticians and nutritionists to maintain and improve their competitive edge.

They will be on carefully monitored diets and supplements to maintain their bodies at the peak of fitness.

The recreational sportsman has to rely on his own resources.

Whatever our recreational sport and whatever our standard we all have a desire to excel, to improve and to win.

Extra effort is needed if we are to perform outside our normal talents.

To gain further enhanced performance, we must look to improving not only fitness but mental focus.

The first answer that comes to mind is physical training and practicing our sport and this is absolutely the correct initial approach.

In competitive sports everyone will more than likely be following the same procedure.

If they are not you are very likely to over take them in the pecking order. It is just as probable that they will be putting in more or less the same effort as you.

So the next logical step forward in this competitive arena is to seek out additional ways to improve performance and to do this we only have to look at what the professionals do to tweak their abilities.

What they do is take nutritional supplements for athletes!!

There are best supplements for muscle growth, best supplements for stamina, best supplements for increasing energy levels, best supplements for injury recovery, exhaustion recovery, the list goes on and on, but most are not practical for the recreational sportsman.

The options for us fun athletes need to be narrowed for practical purposes.

Research has shown that the amount of essential minerals and vitamins that we obtain from our every day food is gradually diminishing.

Due to the reduced amount of required vitamins and minerals in our food supply, those that are commercially produced are invaluable.

About 150 million people in the United States are thought to be taking nutritional supplements including vitamins and essential minerals.

An ever-increasing number of medical professionals are recommending a regular regime of multivitamin and dietary supplements to compensate for the lack of natural sources in every day diets to encourage good health.

As long as not abused, sportsmen and women can add daily extra vitamins and supplements designed for their own particular needs.

Supplements taken in excessively large doses can sometimes create serious problems to the body.

The body also imposes its own limitations on the amount it needs so overdoing the supplements just becomes a waste of money.

Different supplements are available to siit different body requirements, such as muscle development

, stamina etc.

Just be sure that all the supplements and vitamins are manufactured to pharmaceutical standards and check the labels in the unlikely event that the product contains traces of any substances banned in sport.

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For people with type 2 diabetes your doctor will usually prescribe an oral medication to help in controlling your blood glucose level. Of course, along with any diabetes medications you will most likely be making changes in your diet, getting exercise, etc., but this article will focus on the types of diabetic medications that are available.

Keep in mind that there are two reasons for anyone to have type 2 diabetes.

1. Their pancreas simply does not produce enough insulin anymore.

2. The cells have become insulin resistant.

Different diabetes medications are used for one of these two categories based on simple blood tests that tell the doctor which category you belong to.

Sulfonylureas

Oral medications such as Amaryl, DiaBeta, Glucotrol, Glynase, Micronase and others are all drugs that help lower blood glucose levels by causing the pancreas to produce and release more insulin.

Biguanides

These types of diabetic medications aid the insulin in moving glucose into different cells. This type of medicine is not for everyone though. If you have kidney problems or a history of heart problems you could be at risk of serious medical issues. Glucophage, Fortament, Glumetza and Riomet are all examples of Biguanides.

Thiazolidnediones

Drugs in this class such as Actos and Avandia work in making your body’s insulin more effective. They block the liver from releasing too much insulin, while making it more effective in muscle and fat.

Although Thiazolidinediones are excellent in type 2 diabetics, your doctor will do periodic blood tests to be sure they are not damaging your liver.

Alpha – Glucosidase Inhibitors

These diabetes medications slow down the increase in blood glucose levels by blocking out enzymes that aid in digesting starches.

A major side effect from these drugs such as Precose and Glyset are gas and diarrhea.

Meglitinides

Meglitinides, including Prandin and Starlix

, work by helping the pancreas release additional insulin. This in turn will reduce blood glucose levels.

There are also several different combinations of these medications available that combine two different types into one pill.

This is only a brief overview and only your doctor can help determine the course of treatment that is right for you.

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Now that you’ve been told you have diabetes you’ll have to monitor your blood sugar and control your glucose level.

Your glucose level is based on the amount of blood sugar in your bloodstream. In basic terms, glucose is found in the foods we eat, so having a proper diet is obviously a very important part of controlling the glucose levels in your bloodstream.

The medical experts agree in saying that your diet, and getting regular exercise are the biggest keys in keeping diabetes under control. Many doctors will even tell you that diet alone can control Type 2 Diabetes. You will be told what kind of diet you need to be on based upon your type of diabetes and your body type. You might want to get a diabetes cook book to get a healthy body and heart.

If you have been diagnosed with Type 1 Diabetes, the best way of controlling it is to test your glucose levels regularly – as instructed by your doctor – and take the correct level of medication or insulin.

Since a diabetics body can’t produce insulin, as in Type 1 diabetes, or cannot process the insulin that it does make, which is found in Type 2 diabetes, these blood sugar levels can vary much more then those of a person in perfect health.

Diabetics afflicted with Type 1 Diabetes should be checking their blood sugar levels daily before eating. The number of tests each day should a minimum of 2 times per day, but some patients may need as many as 6 tests in a day. These tests help determine how much insulin needs to be taken into the body to help process the glucose.

Type 2 diabetics are able to control their diabetes with drugs and dieting. However they too need to monitor their blood sugar levels a few times a week. This should be done immediately after eating a meal or up to 90 minutes after eating. In addition, it is a good idea to check your levels before every meal around one day a month to see exactly how your body interacts with the food that you eat. Are you having trouble coming up with healthy recipes to cook? You can find a number of diabetes cook books that are not only healthy for your body, but your heart as well.

To check your blood sugar levels, the most commonly used method of obtaining a blood sample is to prick the finger. You then take the blood that is released and put it onto a testing strip, which comes with blood sugar level testing kits. This strip is then put into a measuring device, and processed for around 30 seconds before a result is achieved.

But there is some good news!

Lots of research is on going and a new gadget is now available that checks a diabetics blood sugar and lets them know if it falls to a dangerous low. Researchers have been searching for the gadget for years. Monitoring devices are now coming on the market and by late summer will be available in the United States.

These monitors are not as accurate as “normal” blood tests, finger lances, but researchers are hoping that within a couple of years it will allow a diabetic to forgo putting their finger to test for blood glucose levels. If the monitor signals that blood sugar levels are low, it is necessary to take a blood test for confirmation. The monitors are also slow to show rapid changes that occur, especially when you exercise. This monitor is working to make finger lances outdated for all diabetics.

Those who have used the monitors report little discomfort. A patch worn on the abdomen may hurt when it goes on because there is a tiny wire placed under the skin to measure the glucose in cell fluid. Once the patch is on, it is comfortable to wear and sends information to a receiver. The receiver is about the size of a cell phone. A patch can be worn for several days before changing.

Researchers are working toward pairing the new monitoring device to insulin pumps. These pumps have been on the market for years and could reduce the time needed for controlling diabetes to a minimum. One such product has already been approved in April and is now offered for sale now.

The monitoring portion of the device will not be available until later this summer, so it isn’t fully automatic yet

, but it is promising news for those who are trying to control Type 1 or Type 2 diabetes.

Another new treatment going through trials is the delivery of insulin through inhalation. The insulin is prepared in a dry micro fine powder form which is inhaled directly into the lungs from where it is absorbed into the blood stream.

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Have you recently been diagnosed with high blood sugar or type 2 diabetes? You are certainly not alone as millions of Americans are afflicted with this disease every year.

Knowing more about high blood sugar levels and what it all means is key in maintaining good health. Here are some of the questions to ask your doctor in order to improve your blood sugar levels.

-What is my hemoglobin level? This is a number given based on the results of a blood sugar level over a 3 month period.

-How often should I check my blood sugar? At what times of the day?

-How can I get my blood sugar levels back into a normal range?

-Do I need a dietician to help me improve my diet?

-Will exercise help improve diabetes and blood sugar? What types of exercise work best?

-Has this diagnosis had any effect on my eyesight or my kidneys?

-How are my feet? Do I need to be concerned?

-What happens if I start to bottom out with my blood sugar level?

These are some of the more important questions you will want to ask your doctor if you find out you have high blood sugar or are diabetic.

Not knowing enough about this health issue can e deadly. Don’t sweep it under the rug and think it will go away. By educating yourself and taking the steps to get it under control you will be on your way to a long and healthier future.

Why do I need to monitor my blood sugar level?

Monitoring your blood sugar (also called glucose) level can help you take better care of your diabetes. Checking your blood sugar will help you learn how food, activity levels, stress

, medicine and insulin change your blood sugar level. This information will help you stay healthy and prevent or delay diabetic complications such as blindness and kidney failure. This handout will give you some tips on monitoring your blood sugar level.

Is there another way to check my blood sugar at home?

The U.S. Food and Drug Administration (FDA) has approved meters that work without pricking your finger. But these meters cannot replace regular glucose meters. They are used to get additional readings between regular testing.

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Arthritis afflicts millions of people, it is often perceived as an older person’s disease but many younger people are affected too. The Chinese have developed many herbal remedies but did you know that simply drinking tea regularly could help you to stay arthritis free?

The term arthritis is a widely used term to describe an inflammation of the joints. There are two basic types of arthritis recognised, rheumatoid and osteoarthritis. The former tends to start at a younger age than the latter, osteoarthritis tends to be found mainly in the over 50 age group. One of the causal factors of both forms is an autoimmune reaction, i.e. th body’s immune system starts to attack the body itself. This is beleived to be the main cause of rheumatoid arthritis. Often, rheumatoid arthritis will come and go whilst the pain and stiffness from osteoarthritis will gradually worsen over time. Arthritis can affect any joint in the body but as a rule, rheumatoid begins in the upper body (finger joints are often the first site) whilst osteo affects the lower body first, affecting the knees and hips first. Arthritis is still not fully understood.

The Chinese have recognised the two forms of arthritis for thousands of years and have developed numerous remedies, although none are specifically designed for the forms reconised by western medicine today. Chinese traditional medicine is a holistic approach and categorises the two forms differently.

Instead, arthritis was divided into traditional medicine categories: hot and cold types, upper and lower body involvement, deficiency or excess syndrome, pain characteristics (such as variability and severity) and whether the site of the arthritis was fixed or moving. Both forms fall under the heading of bi syndrome, a disorder of qi and blood circulation that leads to the symptoms. Rheumatoid arthritis fits most closely those syndromes characterized by the Chinese as wind-damp invasion affecting the joints. Osteoarthritis more closely fits the syndrome of liver/kidney deficiency syndrome causing weakness and stiffness in the legs with painful joints. Rheumatoid arthritis was therefore an area of special concern, generating considerable literature on the subject, since the condition could arise suddenly and could rapidly become severely debilitating. Osteoarthritis was considered as a disorder of aging, in which the symptoms were considered just one part of the gradual deterioration of body functions that occurs with old age. As such, it is usually not the subject of much discussion separate from anti aging therapies.

Various remedies for rheumatoid arthritis include a variety of herbal treatments and acupuncture. Changing your lifestyle can also help some people. Dr Wei, the In Nature Teas Chinese Doctor recommends at least three cups of un-sugared green tea or oolong Tea, without milk of course, a day. He also says that cut down on all cheese and dairy, never eat meat during supper, only salads, soups. Changing your dietary habits, increasing your exercise levels, if you smoke – stop.

So, eliminate coffee and you will sleep better, change your eating habits , cutting down on all dairy, red meat, and begin to exercise at least three times a week and your blood pressure

, and articular pains could improve considerably. Yoga would be a perfect form of exercise together with a walk daily for at least half an hour. Give it a try for a few weeks and you should notice the difference. A simple cup of good tea is a simple starting point. And your will to improve and change to a better life and healthier life style.

Please note that this article is for information only and should not be used on its own as medical advice. If you suffer from any form of arthritis you should always consult with your local medical professional for advice and guidance.

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Glucose is the body’s fuel. Our brains require it to function properly and our muscles require it to move. It is the food for all of our cells. Therefore, it is important to maintain normal blood glucose levels for our bodies to function properly.

A normal blood sugar level is between 60-100 mg/dl. Your level raises some after a meal and it is lower in the morning when you first awaken. But your blood sugar level should never go below 60 mg/dl if you are not a diabetic. If you have a problem with your blood sugar dropping, commonly called hypoglycemia, you should see your doctor.

Hypoglycemia can be caused by many different things. Most cases of hypoglycemia will occur in people who have diabetes. If a diabetic has a decreased appetite or skips a meal and does not adjust their insulin or oral diabetic medicine to compensate, they will have a drop in blood sugar. But there are other conditions that can cause hypoglycemia also. Let’s look at a few of them.

Cancer can be a cause of low blood sugar. Chemotherapy will decrease the appetite or lead to nausea and vomiting. Food does not taste the same to people who have had chemotherapy. Skipping meals or eating very little will cause a drop in blood sugar levels.

Excessive alcohol consumption can stop your body from producing glucose which causes your body to use up all of its stored glycogen. This will only occur if you are drinking very heavily and have had nothing to eat.

Liver disease can cause low blood sugar because the liver is a key organ in glucose production. The kidney is also an important organ in glucose production and conditions such as kidney failure will cause hypoglycemia.

A beta cell tumor of the pancreas, called insulinoma, can cause hypoglycemia by causing an overproduction of insulin. Insulin is what controls the amount of glucose in your blood and too much insulin will cause a drop in blood glucose.

Endocrine deficiencies will cause hypoglycemia. The endocrine system is a network of glands that produce hormones that regulate processes throughout the body. These glands are the pituitary gland, thyroid gland, parathyroid gland, the adrenal glands, the pancreas, ovaries and testicles. Certain disorders of the adrenal glands or the pituitary gland can interfere with glucose production and cause hypoglycemia.

It is important to recognize the signs and symptoms of hypoglycemia. These symptoms may include:

* Confusion or abnormal behavior

* Visual disturbances, such as double vision or blurred vision

* Occasionally seizures

* Loss of consciousness

* Heart palpitations

* Shaking

* Anxiety

* Sweating

* Hunger

If you think someone is having a hypoglycemic episode, it is important to call for help and try to raise their blood sugar as fast as possible. Brain and organ damage can result if their level drops too low for any amount of time. If they are still awake and able to drink, have them drink a glass of juice. It will help if you can add some sugar packets to it. If they are unconscious or bordering on becoming unconscious

, get some sugar and place it under their tongue. This area is highly vascular and the sugar will absorb into the bloodstream fast.

Low blood sugar is not for diabetics only. It can happen to almost anyone at anytime without warning.

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High blood pressure can and often does affect sexual function and, with one in three adults in the United States suffering from high blood pressure, this adds up to a lot of potential relationship problems. The good news is that there is a solution.

Most people who are suffering from high blood pressure experience little if any symptoms at all, but the effect which this condition can have on your sex life if often significant and signs of sexual difficulty can sound a warning bell.

The effect of high blood pressure is to damage the lining of your blood vessels and to cause hardening of your arteries so that your heart is forced to work harder to pump blood around your body. This in turn raises the pressure in your arteries. In addition, the damage to your arteries results in a general reduction in the flow of blood throughout your body.

As far as men are concerned this general reduction in blood flow also means a reduced flow of blood to the penis and difficulty in both achieving and maintaining an erection. It also means that, even when you can achieve and maintain an erection, high blood pressure can create problems with ejaculation.

For the majority of men the appearance of the first signs of sexual dysfunction is very worrying and concern that, having happened for the first time, the problem might well re-appear. This leads some men to avoid sex so that not only does the event cause them distress, but it also often generates problems in their relationship with their sexual partner.

In the case of women the effect of high blood pressure is not as clearly defined and, at this time, has not been well researched. We do know however that high blood pressure causes a lower flow of blood to the vagina, leading to lower sexual desire and arousal, vaginal dryness and problems in achieving orgasm.

As with men, most women find this event very worrying and will again shy away from sex, putting their relationship with their sexual partner under strain.

The news in not all bad though and today there are a number of things which can be done to solve the problem

, including getting your doctor to prescribe suitable medication. The first step in the process therefore if high blood pressure in causing problems in your sex life is to consult your doctor.

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Diabetes, and type 2 Diabetes in particular, is a chronic disease that is affecting more than 16 million people in America alone, and is on the rise in nearly every country in the world.

It is also on the rise in nearly every country in the world, and is currently responsible for killing more than three million people around the world each and every year. It is also the number one reason for blindness. Alzheimer’s disease is also triggered by diabetes in many studies.

Type 2 is much more prevalent than Type 1 Diabetes. It accounts for approximately 90% – 95% of all diagnosed cases. As incredible as it may sound, researchers aren’t exactly sure of what causes type 2 diabetes. Symptoms of the disease usually develop after the age 40, but don’t be fooled, it can appear much sooner. In recent years, more and more cases have begun to appear with children.

Type 2 diabetes is a condition where your body can’t regulate your blood glucose level. It’s not the absence of insulin that causes the problem, but rather by the insulin not working properly. This results in too much blood sugar in your bloodstream

Your blood sugar level is the amount of glucose that is present in the blood. So, what is a good blood sugar level? Doctors say that a fasting blood sugar level of less than 120 mg/dL is considered a normal blood glucose level. Anything higher suggests that you have diabetes.

Testing your blood sugar level is the only way to know how you are doing with your diabetes control. By knowing what your blood sugar level is will help you to maintain a healthy lifestyle. For this reason, it’s essential that you know your blood sugar level and take the steps necessary to control it if you develop this disease.

If you have type 2 diabetes, the first step in any treatment program will be meal planning for blood sugar control, weight loss, and exercising. The good news is that by controlling your diet and getting your weight lowered, along with exercise, can actually control and reduce the disease.

Diabetes can be a tough disease to tackle. Often, people will bungle, misunderstand

, or just plain ignore the critical moment when blood sugar tests reveal that diabetes is present. The results of ignoring the disease can be disastrous. Don’t let this happen to you. Controlling diabetes is very important. Learn as much as you can about type 2 diabetes and take the necessary steps to keep it under control. It will put you on the road to a healthier future.

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