Dental Insurance For Seniors

Insurance of any kind is hard to come by for seniors, at least not for a reasonable price. Dental insurance is no exception. Because they tend to need more specialized care and are more prone to problems, seniors have to pay a premium for dental coverage, often being charged more than twice their younger counterparts. That being said, there’s still some affordable dental insurance for seniors out there—it just takes a bit of shopping around.

Many seniors are drawn to dental discount plans. These aren’t insurance per se; they work by offering discounted rates for dental procedures. As with group insurance, the more members there are, the greater the discounts can be, since there are more paying members to cover the difference. The main advantages are the short waiting periods (since there are no examinations needed), wider coverage (pre-existing conditions are usually covered), and the looser limits on age and exclusions.

Of course, for procedures that cost more than average, discount plans may not be ideal. For traditional dental coverage, seniors often turn to organizations such as the AARP (American Association of Retired Persons, although they serve all seniors now, retired or not), which specializes in health coverage. The AARP currently has about seven million members, although not all are covered by dental insurance.

AARP dental coverage is provided by Delta Dental, a preferred provider association (PPO). This means that the insurer allows members to choose their dentists and switch dentists as they please, even out-of-network ones. All you have to do is pay your share of the fee and leave—no need to file claims or fill out reimbursement forms.

Delta Plan A offers 100% coverage for diagnostic and preventative procedures, and 80% coverage for maintenance and repairs. Restorative procedures, such as fillings and root canals, receive 50% coverage. Full coverage is also offered for dental accidents, with a maximum lifetime claim of $1,000. The coverage increases after twelve years of membership. Delta Plan B covers only 80% of the cost for diagnostic and preventative procedures, and 50% for all other procedures. Dental accident insurance is not included.

AARP dental coverage is offered to all its members, with the option to enroll spouses, partners, and dependent children (those who are under 26 or are disabled). Coverage is given for a minimum of 12 months and can be renewed every year, provided all the premiums are paid. If you’d like to give it a try, the group gives you a 30-day period within which you can withdraw and get a full refund.

Plant Sterols: A Brief Overview

You’ve probably heard people recommending you to use sterols for healthy circulatory system. But what are sterols? Does your body need them? Are they really safe to use as nutritional supplements? And perhaps you’d like to know more about it. If you do, then, you’ve come to the right place.

To start with, most people use sterols as steroid alcohols, which are a subgroup of the steroids. These are actually an important class of organic molecules, which naturally occurs in plants, animals and even fungi. The most familiar type of animal sterol is cholesterol, which is important to an animal’s cell membrane structure and function.

There are three types of sterols. First are the Phytosterols, which are sterols of plants. Among the good sources of this type of sterols include: grains, legumes, beans, milk, yogurt, sesame oil, vegetable oil, olive oil, corn oil, cashews, almonds, walnuts and pecans.

Second are the Zoosterols, which are sterols of animals. And finally, the third type of sterols is called Ergosterol which is a sterol that is present in the cell membrane of fungi.

Sterols as Nutritional Supplements

Now, among the three types of sterols, Phytosterols or plant sterols are the ones used as nutritional supplements or food additives. Recent studies show that this type of sterols is able to block cholesterol absorption, particularly in the human intestine.

With this ability, it is an effective means of reducing cholesterol levels in the human body. Therefore, using this as a food additive is currently approved by United States’ Food and Drug Administration.

However, recent concerns about the use Phytosterols as food additives have emerged. Some experts are worried that aside from blocking cholesterol absorption, sterols may also prevent the body to absorb important nutrients.

Because of this, the American Heart Association or AHA has recommended that only people with high levels of cholesterols should use these supplemental plant sterols. In addition, the AHA also advised pregnant women and nursing mothers not to take this type of food additive.

In addition to this, some experts also believe that once phytosterols undergo purification process, it becomes biologically in active, which means it may not be effective in lowering cholesterol levels.

Even so, Phytosterols look very promising and it looks like a good way to fight high cholesterol, heart disease and even atherosclerosis. It is imperative to study its long term effects to find out what may happen if higher amounts of purified phytosterols are consumed.

Medical Administration And Healthcare Jobs

With aging populations in many developing countries, health care is one of the fastest growing industries around the world. The new jobs being created in health care range from the highly specialized, such as surgery and dermatology, to general services such as nursing and emergency care. More and more, administrative jobs such as billing and information management are also opening up. As a result, institutions such as Anthem College are offering more targeted training in these fields and creating increasingly competent graduates.

Administrative work in the medical field requires several skills that a typical training program does not provide. Medical offices deal with a large number of clients, each of whom has a unique case, medical history and follow-up schedule. Medical administrators need a specialized skill set to deal with this volume of information while recognizing that each name is a patient with real concerns and needs. The same goes for other services such as insurance handling, billing, and records handling.

Needless to say, one needs more than basic secretarial skills to work effectively in the medical field. Medical administrators and staff need at least a working knowledge of medical terminology so they can be of valuable to doctors and nurses, as well as share vital information about patients. They also have to be familiar with medical procedures when scheduling exams, forwarding test results, and answering questions for patients.

This is why most medical administration positions now require specialized training or bachelor’s degrees. More competent staff allows for a better flow of information, quicker communication with patients and better service in general from the emergency room to the billing office. With the stress that comes with providing health care, doctors naturally want well-trained assistants to keep the office running smoothly so they can focus on doing their job and taking care of patients.

Many people opt to get their training on a part-time basis so they can work while getting their qualification. This allows them to support their studies as well as get valuable work experience. More and more institutions are also offering their courses online, allowing students even more freedom and flexibility. This is especially ideal for people who have families, who have full-time jobs, or who are always on the road.

No matter how you decide to get your training, medical administration is a promising field with lots of opportunities no matter where you are. As long as you take the time to choose a reputable school, put in the work and learn as much as you can, you’re sure to find a career that’s financially rewarding and fulfilling at the same time.

How Much Does Liposuction Cost?

Liposuction is one of the more notoriously expensive forms of cosmetic surgery, partly because of heavy demand and partly because of the complexity of the procedure. However, as doctors never fail to remind us, it’s one of those procedures where you don’t want to take chances. You should still shop around, but more often than not, paying a premium for good service is better than saving a few thousands for sloppy surgery.

So how much does liposuction cost? It depends on the problem area—specific areas such as the thighs, hips, and buttocks can cost about $2,000 to $3,000 each, plus non-surgical fees totalling about $1,500. The abdomen is usually the most expensive part, costing about $2,000 each for the upper and lower ab and about $7,000 for the entire area. Overall, the cost of liposuction can add up to close to $10,000.

There may also be differences between liposuction for men and women. This is because fat in men may be distributed differently, and men are more likely to need liposuction for non-cosmetic purposes (such as clinical obesity). However, for both sexes, the biggest factors in cost are the number of areas being treated and the amount of time and effort required of the surgeon.

If liposuction recovery is a concern—for instance, if you can’t afford too long a break from work—you may want to consider less invasive procedures. These include smart liposuction, which uses lasers to target the problem areas, and ultrasonic liposuction, which uses sound waves. Depending on the scope of the procedure, laser liposuction cost may be higher or lower than traditional liposuction, and the risks aren’t necessary lower. One advantage, however, is that recovery time is shorter, so you can get back to work sooner and don’t have to pay for as many post-surgery services.

Liposuction side effects should also be taken into account. These can range from purely aesthetic, such as scarring and skin loosening, to more serious ones like infection and adverse skin reactions. Make sure to talk to your surgeon about liposuction risks, and bring up any conditions you have that can affect the results. You may want to watch a liposuction video beforehand so you know what you’ll be going through.

In any case, don’t forget to get a written estimate of the liposuction costs. A good surgeon should be able to give you a figure off the top of his head, although some room for error is normal. Ask for a breakdown of the costs and see if you can opt out of some of them. The key is to know exactly what you’re paying for, and be assured that you’re in capable hands.