Read the Fine Print

As I’ve mentioned in another blog, it would be a pretty amazing feat to make it into your golden years without having at least one “pre-existing medical condition.” The human body just can’t stay in peak condition until the end of one’s life, so having some medical baggage is perfectly normal for a senior. Since long term care insurance policies are designed with the elderly in mind, they are a little more lenient than other types of insurance plans when it comes to covering pre-existing medical conditions. This doesn’t mean that they welcome everyone with open arms. You need to be aware of this, and get very clear with insurance carriers about what their pre-existing medical condition clause it, get it in writing, and scrutinize every word.

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The term “Medicaid issues” is rather vague, and you can let your fingers do the walking online if you are wanting to learn more about Medicaid plans. Medicare Advantage, however, is more specific. These are health insurance plans that are a part of the Medicare program, and they include things like:

• Medicare Health Maintenance Organization (HMOs)
• Preferred Provider Organizations (PPO)
• Private Fee-for-Service Plans
• Medicare Special Needs Plans

The interesting thing is that these plans do exist and are available under Medicare, so it is only my educated guess that Health Net was lobbying to reduce restrictions here as well, possibly opening the doors to more potential members and not barring people for health issues.

Considering that Medicare is intended to provide health care to our elderly population, trying to keep people from getting health coverage based on preexisting medical conditions is pretty absurd. You show me one 75 year old who has made it that far in life without bringing any medical baggage along with them and I’ll buy you a cookie.

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There are some health insurance companies where you feel like you are being taken advantage of at every single turn. Hidden charges show up on bills, you don’t have an easy time getting in to see your doctor, and you may spend upward of an hour trying to get the right person on the phone for customer service. This is not to say that health insurance companies exist simply to frustrate you: quite the opposite. Sometimes they just do not seem like they are doing all they can to best serve your interests as a consumer or customer. Health Net, one of America’s biggest health insurance companies serving over 6.7 million people across the country, has recently stepped up to the plate big time in the game of keeping people’s best interests (and health) at heart. In the third quarter of 2008, the insurer spent $670K lobbying with the federal government for a variety of different groups and lifting coverage restrictions.

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SAD, or Seasonal Affective Disorder, can sound downright silly to those who have not experienced it. “You mean to say that you get depressed when winter time rolls around and there’s less light? What are you, a vampire?” Sadly (pun intended), those who suffer from SAD are just like the rest of us but they feel the changes of the seasons just as much as a bear hibernating for the winter. What exactly is SAD? According to webmd.com, SAD is “a form of depression that tends to occur as the days grow shorter in the fall and winter.

What Causes SAD?

It is believed that affected persons react adversely to the decreasing amount of light and the colder temperature as autumn and winter progress.” Depression, wanting to sleep all the time and sometimes a craving for starchy foods are symptoms of SAD, and while they may sound mild, imagine dealing with them for the long winter months. SAD isn’t a hopeless battle for those who suffer from it, so get some help in turning your SAD into happiness and joy.

Let There Be Light

One of the most effective treatments for SAD is lighting therapy. Light therapy comes in two forms, bright light treatment and dawn simulation. In bright light treatment, you sit in front of a light box for a specified amount of time (usually in the mornings), and you can actually buy these yourself. Plug one of these boxes in while you’re working in the morning, having breakfast or reading the paper, and enjoy its warmth for anywhere from 30 minutes to 2 hours. Dawn simulation is just like it sounds: you have a certain amount of light shining on you while you sleep and it increases toward the morning hours. The treatment’s effectiveness varies, but since it’s not always practical for busy people to sit in front of a light box for a long period of time, dawn simulation seems to be the most efficient use of time for people on the go.

photo credit: Flóra

photo credit: Skelekitten

If you are like a good percentage of Americans, you are fortunate enough to have your health insurance provided to you through your employer. This means no having to shop around for the best policy, and enjoying not needing to stress over that process. Unfortunately, more and more Americans are having to turn to individual insurance policies, purchased from insurance companies who hold all the power in determining a patient’s health care future. This dangerous trend is not only detrimental to the health insurance industry but also to the well being of our citizens.

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