Do I Really Need Health Insurance?

For various reasons, many people nowadays choose to do without health insurance. This is especially common in young couples and individuals, who in addition to feeling very healthy, may not be that financially stable or well off. When there are many other expenses to juggle, something as intangible as health insurance can tend to take a back seat to other expenses. Many feel that, since they are healthy and never get sick, health insurance is going to be a waste of financial resources. However this reasoning is flawed. Health insurance is a necessity, not a luxury that you may consider purchasing if you have extra money. In fact, if you are struggling financially, you cannot afford to not have health insurance.

No one ever plans falling ill, or getting seriously injured in an accident. However, these things happen, and when they do, they can be extremely costly. Medical costs due to an accident such as a car crush or sports-related injury can easily skyrocket into thousands of dollars. You may also incur even more medical expenses if your injury requires additional treatment, physical therapy, or surgery. In addition, time spent recovering from your illness will be time where you will be unable to work. Without medical insurance, you may find yourself in a situation where you have thousands of dollars in liabilities and no income; quite a bind. If you have children or dependents, they will be forced to bear the burden of caring for you while you recover, with reduced or no family income.

If you are suddenly diagnosed with a serious illness, you may suddenly decide that medical insurance is a good thing to have. You will have missed your chance to get a good deal though. Insurance companies may factor in any medical conditions you have been diagnosed with, or even mere symptoms, in the computation of your insurance premiums. Your premiums will be significantly higher if you apply after you have been diagnosed, than if you apply while you are healthy and illness-free.

Perhaps the reason many people procrastinate health insurance is because getting sick or injured is not something we look forward to. It may be hard or unpleasant to imagine ourselves in such a situation, which may contribute to the reluctance to think of insurance. And yes, if you could somehow make sure that you will never require medical treatment in your life, you should forgot about health insurance. However, in the real world, if you want the peace of mind that comes with knowing you are covered, being insured is a must. In times of good health, it can provide peace of mind and security, and in times of trial and tribulation, it can provide much-needed relief and financial aid.

Surprising natural remedies for chronic pain

You all must be aware of this fact that pain can be both physical and mental or psychological. So, in order to manage the pain in a effective way, one has to address both the physical and psychological factors contributing to the pain. Only in this way we will be able to control the pain in a befitting manner.

Common physical causes of pain may be trauma, cancer, abnormal posture, muscle spasm, post operative or any sort of inflammatory process going on in the specific part of the body. So, allopathy concentrates on reducing the inflammation by administering the non steroidal antiinflammatory drugs. Here, I would like to mention that all these drugs do have multiple side effects and their long term use for chronic pain can be devastating for the body. In order to avoid the unwanted side effects a multitude of natural and herbal pain remedies have been discovered so far;

Capsaicin – it is the best pain relieving substance marketed all over the world with different brand names. It is derived from the hot chilly peppers. Studies show that substance P in the peripheral nervous system is the primary pain mediating substance in the human body. Capsaicin inhibits the production of substance P in that specific area and thus relieves the pain.

Other common natural substances used for the pain management act by decreasing the inflammation and resemble non steroidal anti-inflammatory drugs but with no side effects. Common examples are Ginger, Turmeric, St John’s Wort, Fever few, Valerian root etc. Some of these substances are very effective in relieving muscular spasms causing abdominal pain.

Another common technique for the pain management is massage. Studies have shown that massage increases the levels of serotonin and endorphins in the body. Both the hormones or neurotransmitters are the naturally occurring pain killers in the human body. It also decreases the levels of stress hormones in the body, thus reducing the pain.

In order to address the psychological or mental causes of pain we must know that how mental stress can cause physical pain. Here comes the role of autonomic nervous system because whenever an individual is in stress sympathetic nervous system activates resulting in unusual and abnormal contraction of the skeletal and smooth muscles. This causes pain in different parts of the body. Although massage is very effective in stress management and relieving anxiety, however, the role of cognitive behavioral therapy, hypnosis and meditation is very important for the management of chronic aches and pains.