Opt For Preventive Care To Reduce The Cost of Healthcare

People often do not prioritize their health and visit the hospital or their doctors while detecting some disease-causing symptoms in their bodies. However, preventive care is the best possible way everyone can undertake and cease the risk factors before the symptoms become dangerous and life-threatening. The following article will focus completely on preventive health care and how it helps reduce further costs involved with healthcare.

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What is Preventive Care?

Preventive health care or prophylaxis involves the measures that people consider for preventing any diseases. The form of healthcare includes utilizing medical services or precautions that fight against the potential health crisis. It is the most important step that people can adopt in better management of their health.

Several factors such as genetic predisposition, lifestyle, environmental factors, and disease agents affect people’s health. Hence, everyone must undergo periodic health check-ups and screening tests from the doctors.

People opt for preventive health care for maintaining better health, and eliminating the disease becomes serious. Preventive care in conjunction with medicines will save a patient from health breakdown and save money from future expenses, especially if the patient is suffering from a chronic disease.

What are the Preventative Care Services?

Here are some of the examples of preventive health care services, along with their frequencies. ·

Annual Check-up (1 per calendar year): During the annual check-up, the doctor or Primary Care Provider (PCP) checks all areas of a person’s health, including physical and psychological. Examining the patients in detail helps in detecting any health care concerns in the early stages.

· Flu Shot (1 per year): Most health plans include flu shots and protect the patients from all strains of flu viruses.

· Mammogram (1 calendar year, after the patient attains the age of 40 years): Patients over the age of 40 must undergo routine x-rays of breast tissues and check for signs of cancer and other abnormalities. Some health plans might cover the costs of 3D imaging. ·

Colonoscopy (usually once in every decade after the age of 50) for detecting colon cancer.

· Vaccinations, including boosters for such as measles, rubella, polio, etc. administered during childhood.

Preventive health care helps keep people productive and active, enabling them to earn well during their senior years. Studies show that approximately 35% of people have to consider early retirement, even before they are financially ready. Opting for affordable, preventive care helps in reducing the numbers.

Why Should Patients Opt for Preventive Care?

Access to preventive health care helped reduce healthcare costs among Americans, as the physicians can prevent or treat the disease before the patient needs emergency room (ER) care. Almost one-third of costs in America include hospital care, which is undoubtedly very expensive. In 2010, 21.4% of adults paid at least a visit to the emergency room, which reduced to 18.6% in 2017. Adults not having affordable access to preventive care are more likely to pay a couple of visits to the emergency room.

Statistics show that 7% of the adults in the age group of 18-64 paid visits to the ER in 2014, as they had no other option, regardless of their health insurance status. About 77% of Americans went to the emergency rooms due to complications in their health, including those whose doctors advised them for emergency room care. Approximately 15.4% of uninsured adults in 2014 are more likely to use the emergency room, as they lacked other providers.

Undoubtedly, the cost of ER care for uninsured patients was extremely high. Hospitals provide care, even if the patient fails to provide fees for their services. As hospitals must recover the cost, they shift to Medicaid and health insurance premiums, which increases the healthcare cost for everyone.

Impact of Preventive Care Cost on Health Care Costs

Chronic diseases are the major leading cause of death among people, either preventable or manageable with regular visits to health care. These include:

· Heart diseases

· Cancer

· Stroke and

· Chronic lower respiratory diseases

Poor nutrition and obesity are the leading cause of heart disease and stroke. Genetics and smoking lead to lung cancer, which is the most common type of cancer. Obesity also risks several other forms of cancer.

Treating these chronic diseases is expensive, even before they reach emergency room status. Approximately 90% of the 3.5 trillion USD includes health care expenditures for people suffering psychological problems and chronic diseases. Patients who never went for preventative care or did not have any prescription coverage failed to afford the treatments, screenings, regular check-ups, and medications that would manage the underlying conditions of the disease. Instead, they head up to the emergency rooms with cases of strokes, heart attacks, and other complications.

However, with regular access to affordable, preventive care, the patients were more likely to discover and manage their chronic conditions. Doing so lowers the chances of visiting the emergency rooms and investing more into expensive treatments for those diseases, which passed regular management. With the decrease in the expenditure for treatments, the overall healthcare cost also decreases for everyone, as the hospitals no longer try to cover the treatment cost of the uninsured patients.

When and What Preventive Health Care is the Most Suitable?

A patient’s primary health care provider will help him or her coordinate the most suitable shots and tests. While analyzing the beneficial shots, the health care provider will consider certain aspects such as family history, age, sex, current health status, and several other factors.

Conclusion

Preventive health care often covers 100% of health plans and offers the patients several benefits both in cost and health. However, if the patient experiences doubts or are in dilemmas about the things covered and tests conducted, he or she must communicate with the physician at the earliest.

Everyone knows, “health is wealth.” If a patient is healthy, he or she will perform the best. However, it is also important to adopt a healthy lifestyle, reducing the risk factors and saving the patients from spending money on medicines.

Is A Payday Loan Safe?

Your finances are something that you must be vigilant about, or risk major consequences. There are situations in which you need to make decisions regarding your finances that could have a huge impact on your future financial well-being, and these should be considered carefully to ensure the best possible outcome. One of these decisions involves tough financial times when have urgent obligations but not the funding the fulfill them. When this situation arises, you may be tempted to take out a payday loan. This could be a good decision for you, but it is important to be cautious in order to protect your safety and the security of your financial interests.What Are Payday Loans?Payday loans are small sum, short term loans that act as advances on your next paycheck. In order to take out one you must be able to provide valid identification, proof of average income, proof of length of pay-period, and a verifiable, active checking account. These elements will ensure you are who you say you are, as well as ensure the lender that they will be repaid. These loans last until your next paycheck, when the total amount of the loan, as well as fees and interest, are to be repaid.The AdvantagesThere are certain advantages to choosing payday loans as your financial resource in an emergency situation. These involve not only the application process but the qualities of the loans themselves. As opposed to most other loan products, these do not generally require a credit check. This means that even if you have very bad or no credit you will still have access to a payday loan. Payday loans are active very quickly. Some are even available within minutes of your application being approved. Most others will be available within 24 hours. This is much faster than most other forms of loans or advances. The short time period of the loan means that the obligation is brief and, if repayment happens on time, you will not have to factor the loan repayment into further budgeting. They are easily accessible both through physical money stores that provide other services as well, and through online lenders.The RisksLike with any other financial decision, there are some risks involved with taking out a payday loan. The fees associated with a payday loan can equal a large percentage of the loan amount, which increases the amount that must be repaid. If you choose to extend your loan, these fees are renewed. This can make repaying the loan very difficult. Interest rates applied to payday loans are the highest in the loan industry. These sometimes reach four-digit percentages, and dramatically increase the amount of the loan, especially if the loan period is extended. The short period can also represent a problem in that it doesn’t give you much time to prepare for repaying the loan and budgeting your reduced paycheck for all of your other expenses.Staying Safe with Payday LoansMany people question whether payday loans are safe. This is a viable question, especially when you consider that some people choose to take out these loans through online sources. Anytime you use the internet for a financial transaction there is some risk. Knowing what to look for, and how to properly manage a payday loan ensures that you and your information will remain secure. When using a money store, your information is kept absolutely confidential. Even though your checking account information is collected, you can be sure that this information will only be used for the purposes that you authorize. Online lenders are slightly more difficult When choosing an online lender, be sure that you are using one that is reputable, and offers accreditation from business bureaus as well as insurance. Do research on your chosen lender to see if anyone has lodged complaints against the company. Just like with a money store, you will provide authorization for any payment activities. By making sure that you are working with reputable lenders, you can be assured that your interests are protected and that you will be able to borrow the money you need safely.

What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.