Birth control is something that all women who are sexually active and aren’t ready for children need to be thinking about. It doesn’t matter if you are already a mom of three and don’t want any more little ones running around, or if you are a young woman getting serious with your first serious boyfriend: learning about birth control options is incredibly important. All effect a woman’s body and work differently than one another, and knowing what you are putting into your body is crucial as any other information you can educate yourself with. If you are unsure about what type of birth control you want to be on and want to know the ins and outs of all your choices, please read on and educate yourself. I am no doctor, and every assertion made here should be thoroughly discussed with your doctor before starting a birth control regimen, but I at least aim to give you a starting off point to help you in making a decision.

The Pill

How exactly does the pill work? Birth control pills work mostly by preventing ovulation (the release of an egg by the ovaries). Most pills are made of two hormones called estrogen and progestin. Estrogen is a female hormone produced by the ovaries and progestin is a synthetic progesterone used as a contraceptive. For the pill to work, you have to take it every day, preferably as close to the same time every day as possible. As with any medication you take, there are risks of side effects. These could include: nausea, headaches, acne, increased blood pressure, breast tenderness, bloating, weight gain and depression. These side effects will definitely not occur in every woman, and nowadays there are varying types of birth control pills and different hormone levels, so talk to your doctor about which one might work best for you. If you are a smoker and want to take the pill, quitting is highly advised, as smoking can interfere with the pill’s effectiveness.

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Sometimes you just need to get seen by a doctor, stat. Maybe you aren’t having an emergency like having a baby or cradling your severed limb in your hands, but things like a sprained ankle or a rapidly rising temperature require some fairly prompt attention. According to Health Net’s website, urgent care services are “medically necessary services which are required for an illness or injury that would not result in further disability or death if not treated immediately, but require professional attention and have the potential to develop such a threat if treatment is delayed longer than 24 hours.” What is the difference between emergency and urgent care? How can you get seen quickly without spending a ton of your hard earned dollars? How can you make sure that your urgent care visit will be covered by your health insurance? Read on to learn the best way to approach urgent care.

Assess Your Symptoms

If you are feeling like you are having a heart attack, get thee to an emergency room, stat. Urgent care centers are not for people who feel like their lives are in danger. But, if you’re uncomfortable from a minor sports injury or your flu feels like it’s just getting worse, an urgent center will be the way to go. Before you hop into a car to head for the emergency room or an urgent care center, ask yourself the following questions: Could I tolerate the way I’m feeling for another 48 hours? Do I want to spend less than $600 on a visit? Do I have the time to wait to be seen? If you answered “yes” to all of these questions, point your car in the direction of the nearest urgent care center.

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Politicians and decision makers seem to be worried that if we make cannabis legal for medicinal use, then it will become in higher demand and people would abuse the drug more than is happening now. The Institute of Medicine (someone I’d be highly included to trust based on name alone) released a report in 1999 on medical marijuana examining whether the medical use of marijuana would lead to an increase of marijuana use in the general population and concluded that, “At this point there is no convincing data to support this concern. The existing data is consistent with the idea that this would not be a problem if the medical use of marijuana were as closely regulated as other medications with abuse potential.” The report also noted that, “this question is beyond the issues normally considered for medical uses of drugs, and should not be a factor in evaluating the therapeutic potential of marijuana or cannabinoids.”

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Bud, ganja, grass, herb, Mary Jane, weed…the ever-controversial marijuana has many nicknames, and just as people can’t decide what to call it, the United States can’t make up its mind on the drug’s legality, uses and whether or not insurance companies should cover it. It is a slippery slope, with many pros and cons on both sides of the argument, but just where are people coming from? Medical marijuana is legal in many other countries around the world, so why not here in the United States? Will we ever reach a point where not only is cannabis legal for medicinal purposes, but it is covered under a health insurance plan like other drugs of its ilk?

Medical Marijuana Facts and Figures

Medical marijuana, henceforth to be referred to simply as “cannabis” to save my poor fingers the typing exertion, has a different story if you are comparing state versus federal level here in the United States. At the federal level, cannabis is illegal, period due to falling under the Controlled Substances Act. As far as cannabis as a medical treatment goes, states have the right to choose whether the drug is or isn’t legal. Alaska, Arizona, California, Colorado, Hawaii, Maine, Michigan, Montana, Nevada, New Mexico, Oregon, Rhode Island, Vermont, and Washington all have approved and regulate cannabis for medicinal use. One thing that it is important to be clear on: medical use does not mean that the drug is approved for a prescription as medicine.

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Insurance carriers are always having to shell out the money-that’s just a part of what they do. When people need to draw on their insurance plans to cover things that happen, insurance companies open their pockets to make it happen. 2008 broke into the top numbers in terms of expenses for insurance companies. Hitting the #3 slot happened due to multiple catastrophes around the world in this past year, causing millions to turn to their insurance companies in the wake of a disaster.

Cyclones, Earthquakes and Hurricanes: Oh, My!

If you watch the news, you know that this hasn’t been an easy year for people around the world. There was the devastating earthquake in China, and the horrendous cyclone in Myanmar, and the list goes on. In fact, if you look up “2008 natural disasters” and visit a few different web pages, you might be surprised at how many events human beings endured around the world this past year. Flooding, tropical storms, landslides, typhoons and in so many different countries. All of these events contributed to making 2008 the 3rd most expensive year for insurers. When people lose everything, it’s insurance companies who take the hit.

Catastrophes and Insurance by the Numbers

Although there were less loss-producing events around the world this past year (dropping 210 from 2007), insured losses in 2008 were 50% higher than the previous year, coming in at $45 billion, as overall losses stood at $200 billion, when they had only been $85 billion in 2007. This past year, over 220,000 people were killed as the result of a natural disaster.

In looking at these horrible events individually, it was the United States who got hit the hardest in terms of losses. Hurricane Ike blasted through the nation like the nasty storm that it was, leaving insurers to clean up the mess to the tune of $15 billion. Following a close second was the terrible Hurricane Gustav, who caused overall losses of $10 billion and and insured loss of $5 billion.

Can This Insurance Trend Be Reversed?

This is a hard question to ponder, because when you’re dealing with things like natural disaster, the solution is quite complex. Such increases in the number of natural disasters and occurrences is caused by changes in our climate like global warming, rising sea levels and higher temperatures everywhere. This may not be able to be reversed, but we can certainly do things to slow it down or even stop it completely. This would require radical changes around the world, and we’re obviously looking at greater issues here than just insurance costs. Human life and quality of it is much more valuable, and we don’t want to lose either.

In the meantime, look over all of your insurance needs. Having health insurance is the first place to start. If you are looking for more information about how to protect your family, take a look online to help some answers to any questions you might have. If you are renting a home, get renters insurance for all your property within. If you own your home, home insurance is a wonderful investment for your future. Life insurance and everything in between may seem like a waste of money as you sign those checks each month, but in the event of an emergency, you will be so happy you spent your money wisely.

photo credit: eschipul