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A Simple Guide To Managing Your Medical Expenses

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Guide To Managing Your Medical Expenses

For most individual’s, healthcare is their biggest priority as most of us are concerned about our health. Many fear that they would be incapable of repaying the sky-rocketing medical bills, insurance premiums or medications that they are faced with when the time comes. Yet sometimes, the NHS doesn’t cover all the treatment we require, so we are forced to look into private health organisations.

All individuals who belong to this class can take a long breath and relax because with some careful planning and dedication, it is certainly possible to access the help you need.

Listed below are some major aspects which you must consider while purchasing a medical policy and paying medical bills:

Choose Reliable Service Providers and Pricing

Most people invest in health insurance which covers their health expenses. You can compare your health insurance with other companies just like you do for other insurance premiums. Enlisted below are certain details which will help you to select right provider at the right price:

1. Communicate

It is important to clearly communicate to your service provider about what does your policy includes and what not. Financial stress can be a major cause of constant worry and at times embarrassment. Ignoring all such details can make your situation worse.

The billing department of hospitals deal with such situations on a regular basis. They try to bring people out of this situation. Therefore, to avoid miscommunication with hospital authorities revert to their calls and messages.

2. Carefully Go Through Benefits and Cost

Medical expenses are always in high digits with only a few tests and an overnight stay at the hospital. You may feel frustrated with these additional costs. At times, it adds an unexpected debt on your shoulder which is difficult to repay.

It is therefore, wise to check your credit limit and thereupon discuss credit payment option with service provider. To be on a safer side you can carry out a free PPI check to ensure that you weren’t mis-sold any other policy along with the actual one.

Although, credit card is a good option to pay debts as you have to spend minimum amount from your monthly income but it is important to consider its impact in the long run. One way to do so is stick to the norm of using only 30% of your credit limit because consumption above this percentile can have a negative effect on your credit score.

Moreover, it is important to make all your credit card bill payments on time. This way, you will save yourself from paying penalty.

3. Understand Your Bill

Often, medical bills are difficult to understand and you end up in a baffled situation. Sometimes, you receive multiples –one from hospital, one from doctor, one from laboratory and the last from a physiotherapist.  Plus, the hospital authorities will send you certain statements before actually sending you the bill.

This statement is a concise letter of the total expense which cites insurance payment and pending amount you are liable to pay. It is necessary to go through each and every statement so that you are aware about what you are charged for.  You can always contact your medical service provider if you fail to understand or read the statement/bill.

4. On-Time Payments

If you delay your medical expenses for a long time, you will have a pile of penalties to repay. Medical expenses in most cases are unexpected and it is difficult to manage such a sudden financial burden.

Most people, plan to avoid bill payments and put them aside with an intention to deal with them later on. Medical providers advise people in such situations because as other service providers they want to provide smooth process to their customers.

If you are unable to repay the bills at the current moment, inform it to your service provider as they can suggest you an optimal solution. They can also advise you some payment options which suit your current financial situation.

5. Avoid Using Retirement Savings

Using your retirement savings to repay your medical expenses is the last thing you would want to opt for. This is so because it results into an unsecured financial future. It has been observed by several financial institutions that during medical emergency retirement savings are utilised by several individuals which is ideally incorrect.

There are options like you can take loan against your retirement funds, or withdraw some amount. Retirement savings are for your future and every pound in it adds value to your future. Besides, the value of money increases if you keep them in your retirement accounts.

The interest and your employer’s contribution together help you to secure your future. If you do not find out a solution for this then seek assistance from experts.

6. Research Service Costs

During crisis it becomes difficult to carry out research and look for an ideal option. But, this can save you from spending additional cost and offer quality treatment as per your spending potential.

Before, you hop on to research ask your doctor and hospital authorities for an estimated cost for the entire treatment. You can also take guidance from your physician and confirm whether the prescribed tests by the hospital are necessary or not. Make sure that you do before your final appointment.

You can also ask for suggestions to your physician as they will give you a genuine advice.

If you have saved some emergency fund then prefer paying cash as it will help you to manage finance. Additionally, some hospitals offer discounts on cash payments. Possibly, if you can pick generic medicines as they cost comparatively less than the branded ones.

In fact, your doctor or pharmacist can suggest which products are best for you over the counter, commonly known as OTC medicines, which will help you save money.

Restructuring your payments is yet another option through which you can make your payments.

Lastly, you need to get familiar with various financial terminologies, insurance facilities, discounted services, drugs and review your bills. This will help you avoid making huge mistakes when it comes to your medical treatment.

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Health

Could The Lack Of Vitamin A Be A Cause Of Diabetes?

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Vitamin A Diabetes


Global Health Crisis”, this is what the health specialists have asserted in regards to that of diabetes which is considered to be the most incurable condition affecting more than 300 million people as of now. The specialists out there also suggest that there would probably be more than 400 million diabetes attack by 2030 on the basis of their estimate analysis.

With type diabetes each and every day, numerous individuals are examined and diagnosed. To affect individuals in the world today, diabetes has unfortunately become one of the most prevalent diseases. When an individual is diagnosed with type 2 diabetes; they might get a feeling of being bewildered and overpowered because of the diagnosis. To understand and comprehend that with some rudimentary alternations in their lifestyle it is crucial then for individuals who are diagnosed with type 2 diabetes and it is totally achievable with careful monitoring coping and living with the disease.

Learning About Type 2 Diabetes

The initial consideration an individual that has type 2 diabetes needs to do is to start to become educated and familiar with their disease and effects on their body, different complications and ways to get it under control to as much an extent as possible. The doctor should assist the patient by starting with some rudimentary instruction and be ready to recommend additional resources of information for the individual. The diabetic should talk to a dietitian that is registered and with a diabetes educator that is certified to further educate themselves about the disease.

Must Read: Five Signs You’re Insulin Resistant

Changes in Diet

The person who has been newly diagnosed with diabetes will have to get counseling through a registered dietitian. The dietitian can guide the type 2 diabetic to educate themselves in regards to the foods that they eat and what necessary modifications can be made for the best result to their body functions. There are also many different types of cookbooks as well as websites that offer recipes for diabetics that will enable a person to consume healthy tasty meals. The diabetic will need to address their dietary changes seriously.

Watching Blood Sugars

The type 2 diabetic will have to get a glucometer so they will be capable of monitoring their blood sugar on a day to day basis within their home. There are numerous different types of glucometers that you can get on the open market today that are highly accurate provided that the person uses them in a correct way. The majority of insurance companies will furnish a monitor with the initial diagnosis of type 2 diabetes. By monitoring closely their own blood sugar levels an individual can in a relatively easy manner see what kinds of foods as well as their activities are giving the biggest effect and make any needed changes accordingly.

Type 2 Diabetic and Exercises

Vitamin A and Diabetes, Vitamin A and Diabetes type 2

Establishing some kind of exercise program wearing diabetic crew socks, is a very helpful thing for any individual, particularly a type 2 diabetic to do. One of the direct results of exercise is the decrease of the levels of blood sugars. You do not have to have a highly complex type of exercise routine to accomplish what you need to. The person with diabetes can just start out with walking, biking or swimming regimen. Going for a walk around the neighborhood several times each week will be very beneficial to the overall health of the diabetic in addition to lowering their blood sugar levels.

Taking Medications

The type 2 diabetic should follow all of the advice of their doctor and take their medications as they are prescribed to them. To control diabetes when working in conjunction with exercise and dietary changes, there are numerous types of excellent medications that function very well. Type 2 diabetics have to take any and all medication that are necessary in their individual circumstances to stabilize the blood sugars and maintain a high quality of life.

Making use of Vitamin A for diabetes

Vitamin A is significantly known to be the most essential of all vitamins. This usually states that this vitamin is recommended for all. People might have the notion that this type of Vitamin is usually available as over-the counter medications and this is a fact. So, how do you analyze the amount of Vitamin A required by an individual each day? There are several factors that determine this and the following are the ones:

  • 700-900 mg of retinol activity equivalents is usually required for people who are aged 14 years or older.
  • For women it is generally between 1100-1300 RAE.
  • For the infants and the like or kids who are under the age of 14 should be given in values that are considerably lower.

People who are diabetic are also recommended the intake of supplements. This suggestion is also for the general people who are having Vitamin A deficiencies. People can also add up Vitamin A rich food in their diet to normalize their vitamin intake. You need to make sure that you have discussed with your health care provider about the changes that you have brought about with your diet.

There are several foods that are rich in Vitamin A. Among them you can add milk, cheese, organ meats, as well as fish, most of the fruits such as melons and apricots as well as the leafy bright colored veggies are food that are pretty rich in Vitamin A. If you are confused about the amount of Vitamin A intake then Internet is the best place where you can get a hold of a significant amount of information on the same. The detailed of the vitamin and information are also labeled on your packed foods as well as canned and frozen ones. So, determining the presence of Vitamin A and the amount of its intake referred will be absolutely clear to you.

Whatever you do, you need to keep in mind that diabetes is a disease that is not curable. So, you need to take care of your diet and body in order to balance the rest!


Meet the Author: Dyna Criss holds a degree in health and fitness, has worked as a health instructor for over a decade at some very prominent health related organization and basically a writer by heart.

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What is Podiatry, and What Does a Podiatrist Treat?

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What is Podiatry, and What Does a Podiatrist Treat

With foot, ankle and lower leg problems becoming more frequently diagnosed, there is a good chance that you doctor will refer you to a podiatrist. Podiatry is a branch of medicine that concentrates solely on the lower limbs such as the feet and ankles and the structures within the body that affect their movement. Podiatry encompasses corrective treatment for both acute and chronic conditions as well as conservative care for long-standing complaints. A podiatrist performs the treatment.

Podiatry and chiropody

We offer podiatry to patients at our Melbourne branch, and we are frequently asked what the difference between chiropody and podiatry is. Podiatry is actually a relatively new branch of medicine and is now an internationally recognised term for a foot specialist. Many of the roles of a chiropodist overlap with a podiatrist although these days a chiropodist would concentrate on skin conditions of the foot, such as verrucas. A podiatrist is more concerned about the function of the foot and lower limbs.

Are podiatrists qualified?

Like every member of the medical profession, a podiatrist will undergo rigorous training, initially at university and then in practice. They will need to be registered with a professional body that will ensure that they adhere to standard practices and follow a professional code of conduct. All podiatrists are expected to continue with their professional development, learning modern techniques and methods as they become recognised and accepted.

All our podiatrists at the Neighbourhood Clinic in Fitzroy, Melbourne are qualified, registered and adequately insured. We believe that this gives all our patients that extra peace of mind, knowing that our teams are adequately covered and safe to practice.

Can podiatry help with identifying and treatment of other conditions?

It is essential to understand that although a podiatrist concentrates purely on the feet, they will be able to glean a great deal of information about a patient’s overall health. As a result, they can assist with the diagnosis and treatment of a variety of other conditions. It is relatively common for a conservative complaint to be closely linked and identifiable with another problem. Often both complaints would benefit from corrective treatment, but equally, it may highlight a previously undiagnosed condition.

Podiatry plays a vital role in the diagnosis and management of chronic health problems, including:

  • Diabetes– suffers from diabetes should get their feet checked at least annually to prevent ulcers and other complications such as, in severe cases, gangrene
  • Peripheral Neurological Deficit (PND)– high blood sugar and diabetes are closely associated with PND. A podiatrist will help with pain management and maintaining foot health
  • Peripheral Vascular Disease (PAD)– PAD is again closely associated with diabetes, and a podiatrist will play a role in maintaining the function of lower limbs as well as, where applicable, pain management
  • Rheumatoid Arthritis (RA)– RA is a common form of arthritis that can cause ulcerations of the feet if left untreated. A podiatrist will help to relieve any pressure points with bespoke insoles

When is conservative care most appropriate?

Conservative care includes many of the roles that have previously been associated with chiropodist but are now performed by a podiatrist as part of the previously mentioned overlap. Conservative care incorporates:

  • The treatment of problematic toenails such as fungal infections, in-grown toenails and toenails that have been damaged due to an accident
  • The treatment and removal of corns and calluses
  • Initial treatment and then removal of verrucas
  • Treatment of dermatological complaints including persistent athlete’s foot
  • The treatment and shearing of severe blisters or damaged/stressed tissue

When is corrective management used?

The corrective management of lower limb complaints is usually most closely associated with pain management and maintaining the proper function of the affected limb. It often includes the treatment of:

  • Flat feet or high arches
  • Joint and muscular pain in the feet, ankles and calf muscles
  • Bunions, which in severe cases will require surgery
  • Heel and shin pain
  • Sporting injuries

What to expect during your appointment

At the Neighbourhood Clinic, our podiatrists offer both 30-minute appointments, designed for an initial consultation and return meetings along with 60-minute extended appointments for more severe cases.

The initial appointment will be to perform a full subjective assessment of your condition. The podiatrist will ask questions about your general health and lifestyle as well as wanting to know about your previous medical history. Of course, they will want to know how long you have been experiencing the current problem and if anything specific triggered it.

In some cases, the podiatrist may do a biomechanical assessment which will involve observing how you stand and walk. They would also be keen to establish if you have a full range of movement and a hands-on examination, with your consent, may be required. The findings will be discussed with you and your general practitioner and a course of treatment will be proposed.

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What Different Types Of Cardiologists Are There

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What Different Types Of Cardiologists Are There

Cardiology is a medical field where doctors deal with heart disorders such as congenital heart diseases, heart failures, coronary heart ailments, valvular heart diseases, and electrophysiology. These doctors thus are called cardiologists.

There are different categories of cardiologists that patients get referred to. Given below are five such classifications.

1. General Cardiologist

A general cardiologist deals with different types of heart related problems. Normally, if anyone suffers from any kind of heart problem, the general cardiologist is the first physician that they see. Based on the diagnosis, the general cardiologist can then refer the patient to a specialized cardiologist who deals with the specific condition that the patient maybe suffering from.

2. Electrophysiologist

Patients suffering from heart arrhythmias usually go and get consulted by an electrophysiologist. He is a specialized cardiologist who is trained in diagnosing and treating cases of arrhythmia. By conducting tests such as electrophysiology study, he can determine whether the patient is at a risk of unexpected heart attack. With the help of an electrophysiology study, the cardiologist can figure out if the patient can develop ventricular tachycardia (rapid heartbeat). Then there is another test called electrocardiogram which can be either conducted in the hospital or at home where the patient is given a halter monitor.

According to the Heart Rhythm Foundation, the specialised branch of electrophysiology is fast becoming a popular field in cardiology.

3. Interventional Cardiologist

Patients who need to undergo non-invasive heart procedures often go to interventional cardiologists. A wing of Harvard Medical School, the Brigham and Women’s Medical Hospital believes that interventional cardiologists deal with heart problems like heart valve ailment, coronary artery disease, and peripheral vascular syndrome. These cardiologists are adept at carrying out procedures like angioplasty, stenting, atherectomy, embolic protection, carotid artery stenting and mitral valve repair.

4. Vascular Surgeons and Cardiac Surgeons

While a vascular surgeon performs heart procedures on blood vessels that are outside of a patient’s heart, a cardiac surgeon on the other hand performs extremely invasive and engaging cardiac surgical procedures. Atherosclerosis, where the arterial walls thicken due to plaque accumulation, and thrombophlebitis, where veins swell due to blood clots, are two conditions which require the expertise of a vascular surgeon. Both the vascular and cardiac surgeons work in close proximity with general cardiologists to diagnose and treat heart problems.

5. Pediatric Cardiologist

Infants and children suffering from heart ailments are treated by pediatric cardiologists. Pediatric cardiology is a specialized medical area where the doctor conducts extensive tests and determines what procedures or treatments must be carried out for the little patients. Some pediatric cardiologists even maintain this patient-doctor relationship till the patient completes 18 years of age.

To have a healthy heart and ensure that it is being treated with expert hands, you deserve the best cardiologist there is. It is not hard to find the top cardiologists in any part of India or any other country. With some of the best public and private hospitals running in the state capital, patients flock in large numbers to get treated.

If you a resident of Faridabad, Noida or any other NCR region, finding the top cardiologist here has been made very easy. Search online in Google and find some of the most reputed hospitals and doctors.

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