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Importance Of Medical Tests Before Buying Medical Insurance

A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

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Government Grants For A Non-profit Equine Therapy Center

One thing that a lot of people don’t know is that non-profit organizations can apply for and receive government grants. This is a major source of funding for lots of non-profits. Since non-profit have a lot of volunteers their overhead is usually a lot less than the typical for profit business. One non profit recently applied for and received a large government grant to improve their equine therapy center. The people at this center use horses to help both disabled children and disabled veterans improve the quality of their lives. The government grants they received will help them buy more land and more horses. It also went to help with the maintenance of the entire facility. I was informed that in the next year they will apply for six more grants.

One thing that they and many people find very helpful is to have a professional grant writer. Grant writing can at times be very frustrating and time consuming. Grant writing has become a very competitive field and there are a lot of professional grant writers available. A lot of non-profits don’t have the extra funds to hire a professional grant writer. In these cases many grant writers will offer their services at a reduced rate. If a grant writer does require payment for their services there are different ways to pay them.

One way to pay a grant writer is to make the payment continent on getting the grant awarded. Then the grant writer is given a percentage of the grant that is awarded. This is where things can get a little tricky. The organization needs to come up with a percentage that is fair to the organization and to the grant writer too. This type of pay arrangement is sometimes troubling to a lot of the agencies that give out money. The grant money is earmarked for a specific purpose and not to pay for the services of a grant writer. This could cause some problems getting government grants. Its a lot of peoples opinion that grant writers should be paid a one time fee and or an hourly wage. Either way its a better practise than going the contingent pay option. The hourly wage or flat fee method of payment for grant writers is better for them too. Not all grants are awarded. It would be an awful lot of work to write a grant and then not be paid due to reasons that are beyond the grant writers control.

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Physical Therapy that is Focused on You

This is physical therapy that is focused on the “whole” body not just on your injury or condition. Your physical therapist should listen to the history of your problem, before performing tests and measures that will thoroughly assess your condition. You may be tested for muscle strength, joint motion, sensory and neurological conditions, coordination and balance tests, and your movement may be observed.

Working closely with you and your doctor, the physical therapist will design for you a complete physical therapy plan that includes therapeutic exercise. Your physical therapy treatment is based on the initial evaluation findings along with ongoing reassessment and evaluation. Treatment may consist of a variety of hands-on joint and soft tissue treatment techniques, exercise techniques and pain reducing modalities.

Physical Therapy Treatments are designed to help you:
Increase motion and strength
Reduce pain
And most importantly, restore function

Patients are typically involved in an active exercise program, and are educated in ways to speed recovery and prevent recurrence of the problem. Your physical therapy program will follow specific protocols or individualized treatment plans with the aim of the physical therapy being the return of your strength, function and mobility.

Therapeutic Exercise From the physical therapy testing, to the specific therapeutic exercise program, you will recognize that physical therapy is a science. Your therapeutic exercise program is your plan for recovery. It is important to have access to the very best equipment.

You will be trained and monitored on the use of all physical therapy equipment to ensure that you are getting the full benefit from your therapeutic exercise program. Therapeutic exercise will help restore your strength, movement, balance, and coordination. You will learn how to deal with your current problem, and how to prevent it in from reoccurring in the future.

The physical therapists at Physical Medicine of NY & CT have combined experience of over 50 years. If you suffer from acute or chronic pain, or are recovering from surgery or an accident, find out more about Physical Therapy that is focused on you from Physical Medicine of NY & CT.

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Peptide Cell Therapy What Exactly Is It

What is peptide cell therapy? You may have heard the term but weren’t sure what it refers to. In order to understand this, one must first try to understand what a peptide is. A peptide can be defined as a molecule which is created by combining two or more amino acids. When there are more than fifty of these molecules than the result is said to be a protein, but if it is less then the proper term to use for it is a peptide.

Synthetic peptides are applicable for a wide range of purposes. The reason why peptide cell therapy works is because peptides can easily penetrate and dissolve in the human body. What’s more, you do not run the risk of your body rejecting peptides or experience any disorders caused by such therapy. Peptides can be used for treating a wide range of diseases and disorders such as dementia, diabetic foot, leukemia, cirrhosis, aging, diabetes, rheumatoid arthritis, lupus, kidney failure, and osteoporosis.

So why is peptide cell therapy so useful and effective and why do so many people swear by this therapy? The reason behind this is the nature of peptides. Unlike various other synthetic drugs, peptides do not change the rhythm of the biological processes happening in our bodies. The drugs that are made from peptides are quite good in the sense that they are organ specific. Therefore they will act directly on the organ that is targeted. What’s more, under no circumstances can this kind of therapy harm your body because they will only act to the extent where they can be accepted by the body!

Apart from aiding in cell therapy, peptides can also be used for diagnostic purposes since they can change color under certain circumstances. An example of the diagnostic purpose in which peptides are put to use would be how the chromogenic peptide substrate can be used for the purpose of detecting the absence, presence, or changes in the blood levels of enzymes which control our blood clotting ability and blood pressure. Peptides are also used for developing vaccines, hormones and immunogens.

If you take a look at some of the peptide drugs, you will find that these are either made from altered natural peptides or they are made from the peptides that are naturally existing in the body. Did you know that peptides can be prescribed to those patients whose body cannot produce enough peptides of their own? Yes, in such a scenario, the peptides that are naturally occurring would be prescribed to them because these are biologically active.

As you can see, a peptide is a very useful kind of molecule and it certainly has a lot to offer us. And that is why such molecules are used for the purpose of cell therapy.

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GP Locum – Trained and Qualified Freelance Medical Practitioners

Are you a medical professional and wish to work in a hospital, clinic or as a private practitioner? Well it’s absolutely convenient when you choose to offer your services as gp locum. Better known as General Practitioner these locums work in the place of another medical professional till the time the expert is on leave or there is shortage of staff. These locums are also highly trained, educated and have the knowledge and skills related to the profession with just the exception that they work as freelancers. These locums are also governed by regulatory bodies and are accountable for their tasks to them. These locums can work as both full and part timers and would never let you feel the shortage of staff. These professionals fill the gap in the service delivery capacity so that the patient never needs to wait for the right care.

These locum tenens are easily available and take the place of a regular doctor thereby saving your medical facility from big losses. They ensure that proper care and treatment is provided to the patients and is well aware of their responsibilities. Highly dedicated and committed these tenens even provide an opportunity for the individual to decide which stream would be most suitable and whether the knowledge and skills of the tenens is adequate for the profile or not. If you run a hospital or any medical center and are not able to find suitable health professionals then you can easily hire a locum to fill in the empty position on a temporary basis. Locuming even offers the freelancer to try their hands in different work environments and medical fields. There are also several medical recruitment agencies which makes these locums available according to the requirement and specialization needs.

gp locums might not feel interesting for many medical experts but there are numerous benefits of being a medical freelancer general practitioner as one gets to choose the institution where one wants to work rather than working and staying in the same institution for years together. You even get to understand the work culture of various hospitals and private centers and can easily get to learn different medical techniques by working with various experienced and trained doctors.

For more information on gp locum, check out the info available online; these will help you learn to find the gp locums!

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Helpful Tips For Choosing A Medical Answering Service

When most people go to medical school, they are not focused on the business end of running a successful medical practice. Most of the time spent in school training for the medical profession centers on learning about the human body and equipping you with the skills you need to provide top quality healthcare for those individuals who will be relying on you for treatment. What most medical professionals are not aware of is that they will not only be caring for their patients in the examination room, but they will need to be able to provide information and care for their patients practically around the clock. Rather than running yourself ragged trying to answer phones, make calls, and field questions from patients in need, you should consider hiring a medical answering service.

One of your top priorities is making sure that your patients are taken care of. When you are looking at a medical answering service, you want one that will be available to help answer patient questions around the clock, even after your office hours are over and closed for the night. Many of these call centers will provide healthcare solutions for physicians after hours so that if a patient has some type of an emergency and needs information or help, the professionals working at the center will be able to assist them fully.

One of the most important aspects to look for in a good medical answering service is HIPPA training. Nothing is more important than making sure that all of your patients medical information is kept safe, secure, and private. Look to make sure that all the professionals working for the company have received HIPPA training and that they have a deep understanding of privacy laws surrounding medical information. You also want a company that provides regular HIPPA training updates to make sure that employees are kept abreast of the latest changes that have been made to privacy laws. Make sure that you choose a company that has a high reputation for protecting private medical information, because if a leak were to occur, you and your practice will be held responsible.

Another big part of choosing a quality medical answering service is the price. It is important to have a budget and choose a company that will offer all of the services you need at affordable prices within your budget. In the long run, by hiring a medical call center, you will save money since you will not have to hire a person to be on permanent staff.

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Massage Therapy Program Ensures Graduate Success

The Massage Therapy program is excellent and encompasses all aspects of massage from the relationship between therapist and client to the structure and function of the human body,” says graduate Amanda Baskwill of Centennial College’s three-year Massage Therapy training. “It is an exceptional program taught by professionals and leaders in the field of massage therapy in an encouraging and enjoyable atmosphere.”

As Amanda explained, the program does an excellent job of covering multiple bases. As such, Centennial College’s Massage Therapy training emphasizes learning and implementing a variety of techniques including: Swedish massage, fascial and rhythmic techniques, trigger point therapy, remedial exercise, stretching techniques, wax baths, whirlpools and steam cabinets. It, however, also covers business aspects of the industry.

Massage Therapy program applicants must have completed at minimum an Ontario Secondary School Diploma (OSSD) or equivalent or be 19 years of age or older. They must also have finished the compulsory English 12C or U or skills assessment, or equivalent; Biology 11C, M or U, or 12C, M or U or equivalent and one of the following sciences: 11C, M or U, or 12 C, M or U Chemistry or Physics, or Exercise Science or equivalent. After receiving an offer of admission, students will receive a document to be completed by a doctor or a nurse who will confirm that the student meets the health requirements of legislated acts, ministry guidelines and agency policies.

Once they are accepted, students study from Morningside campus, which is the most technologically advanced of Centennial Colleges four locations and offers a clinical setting. In Centennial’s on-site massage therapy clinic, Massage Therapy program students interact directly with clients while having the guidance and support of an experienced faculty member.

In addition, thanks to their studies, students become comfortable with: consulting patients about their medical histories and any stress or pain-related problems to determine whether massage would be helpful; developing treatments that specify which types of massages are to be used, as there are many modules; assessing clients’ soft tissue condition, joint quality and function, muscle strength and range of motion; and implementing a variety of techniques including maintaining treatment records and consulting with other health care professionals such as physiotherapists, chiropractors, physicians and psychologists in order to develop further treatment plans for the client.

Qualified graduates of the Massage Therapy program may write the registration examinations administered by the College of Massage Therapists of Ontario to qualify for Registered Massage Therapist (RMT) designation. Graduates of the Massage Therapy program may then be self-employed or work in multidisciplinary healthcare facilities or hospitals. Sports rehabilitation clinics and health spas represent a growing service sector in North America that will employ graduates. On-site therapy, typically provided in the workplace by large companies as a health benefit to employees, is also growing in popularity.

Alternatively, should Massage Therapy program graduates wish to further their education, they can do by attending a program at the Massage Therapy trainings educational partner, Athabasca University.

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About chiropractors and chiropractic therapy

Chiropractic therapy is an “alternate” medicine therapy. The therapy has been around for more than a hundred years. The therapy relies on the self healing ability of the human body. It states that the structure of the body and its functions are related. The therapy is aimed at removing any abnormalities in this relationship. Amongst all the structures of the body, chiropractic therapy pays special attention to the spine.

The actual treatment may vary but it generally involves making adjustments to improve the alignment of the body structures especially the spine. The ailments treated by chiropractors are often pain related such as for back pain, neck pain and headaches.

Chiropractic therapy may be regarded as “alternate” medical therapy but it is a safe therapy for several reasons. It is drug free and non invasive. This is a big plus for the therapy as it aims to work in harmony with nature. It has an excellent safety record though like any medical treatment it is not entirely devoid of risks and adverse effects. The adverse effects if they do occur usually last for only about 24 hours.

Chiropractic therapy can bring immediate relief and is generally known to give results faster than traditional methods. There are documented instances where the therapy has delivered relief faster such as for chronic lower back and spinal pains.

The therapy today is practiced in US by Doctors of Chiropractic with a degree from an accredited institution. Careers in chiropractic are popular and attract talented students. The therapy itself is popular which is a measure of its effectiveness.

Although the therapy has a long tradition it is also forward looking and there is a lot of ongoing research. The research is focused on identifying areas of maximum benefits where the therapy should be used. Research is also being done on evaluating and minimizing the risks involved in the therapy.

If you are suffering from an ailment that is related to the mechanics of the body you should consider chiropractic therapy options. You should be able to find a chiropractor in your area and visit for a consultation. You can find chiropractors in your area at www.findachiropractorpages.com.

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Pulpal Therapy for Primary and Young Teeth

The pulp is the hollow inner core of the tooth that contains nerves, blood vessels, connective tissue and reparative cells (see Figure 1). In children, dental caries (cavities) and traumatic injury are the two main indications for pulpal therapy (also known as -paediatric root canal,- -pulpotomy- or -pulpectomy-). The primary objective of pulpal therapy is to maintain the integrity and health of the teeth and supporting tissues; thus, its treatment objective is to maintain the vitality of the pulp of a tooth affected by caries or traumatic injury.

In young permanent teeth with immature roots, the pulp is important for the continuation of apexogenesis (the continuation of the closure of the tip of the root, or apex, as the child gets older). Long-term retention of a permanent tooth requires a root with a favourable crown/root ratio and dentinal walls that are thick enough to withstand normal function. Therefore, pulp preservation is the primary goal for the treatment of young permanent dentition. A tooth without a vital pulp, however, can still remain clinically functional.

The vitality of the pulp is the most important focus of a dental examination and check-up because it is the basis of the indications, objectives and type of pulpal therapy that will be used. The pulp may be classified as normal (i.e., symptom free and with normal response to vitality testing), with reversible pulpitis (i.e., the pulp is capable of healing), with symptomatic or asymptomatic irreversible pulpitis (i.e., vital inflamed pulp is incapable of healing), or necrotic pulp.

The clinical diagnosis is derived from a comprehensive review of the medical and dental history, including current symptoms and chief complaint; subjective evaluation of the area associated with the current symptoms/chief complaint, which is accomplished by questioning the child and parent(s) on the location, intensity, duration, stimulus, relief and spontaneity of pain;

objective extraoral examination and intraoral soft and hard tissue examination; radiograph(s) to diagnose pulpitis or necrosis showing the involved tooth, furcation, periapical area and the surrounding bone; and clinical tests such as palpation, percussion and mobility.

A treatment plan should include the following:

1. The patient’s medical history

2. The value of each involved tooth in relation to the child’s overall development

3. Alternatives to pulp treatment

4. Restorability of the tooth.

For more information please visit: e-deneducation Dental Courses

Karen McDonagh is a proud contributing author and writes articles on several subjects including Dental Courses. She is passionate for Dental Education Professional and always looking for better ways to educate people.

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Piriformis Syndrome and Massage Therapy

In my San Antonio, Texas based Massage Therapy and Bodywork practice I often treat pain from various syndromes including Piriformis Syndrome. Like many painful conditions Piriformis Syndrome responds quite well to massage therapy and bodywork.

What is Piriformis Syndrome?

Piriformis Syndrome is the name of a painful nerve entrapment condition in which the sciatic nerve is placed under abnormal pressure by the piriformis muscle. The piriformis muscle attaches to the sacrum bone of the low back to the top of greater trochanter of the femur (thigh bone) and lies on top of the sciatic nerve. When the piriformis muscle becomes tight and enlarged, pain results from myofascial trigger points (knots) in the muscle, pressure on the sciatic nerve, and sometimes from the S-I Joint in the low back. Pain from Piriformis Syndrome is usually found in the extreme low back, buttocks, hip, and often the back of the thigh. Most of the time the symptoms are on one side, but may affect both sides in some cases. Additionally, people with Piriformis Syndrome often have trouble sitting for long periods and the pain may worsen when walking or squatting.

What is the cause of Piriformis Syndrome?

There are a number of causes for Piriformis Syndrome including direct blunt trauma to the buttocks, prolonged sitting while working or driving, Morton’s foot, or S-I Joint instability. Frequent or prolonged running on canted surfaces and participation in sports requiring quick lateral movement such as tennis, skiing, and basketball may also overstress the piriformis muscle and lead to Piriformis Syndrome.

Massage Therapy and Bodywork for Piriformis Syndrome

There are many ways that massage therapy and bodywork can be used to treat Piriformis Syndrome. The massage therapist will employ a number of techniques to relieve the condition. For example the massage therapist may use Neuromuscular Therapy or Trigger Point Therapy to eliminate myofascial trigger points in the piriformis muscle. The massage therapist could also use Myofascial Release techniques or Deep Tissue Massage techniques to release adhesions between the piriformis muscle and surrounding tissues while also using Muscle Energy Techniques to gently lengthen the piriformis muscle. Piriformis Syndrome also responds well to positional release therapies such as Ortho-Bionomy which work with the body’s nervous system to release muscles and improve joint movement in the area. In addition to working on the piriformis muscle it may be necessary to provide therapy for other muscles near piriformis and even to muscles opposing piriformis to improve muscular balance. Comprehensive treatment with massage and bodywork, in conjunction with a home program of stretching and exercise, usually helps to completely resolve Piriformis Syndrome.

Other Treatments for Piriformis Syndrome

While massage therapy and bodywork are an excellent treatment for Piriformis Syndrome there are other treatments you should discuss with your physician: