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	<title>Alternative Health Care Insurance &#187; U.S.</title>
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		<title>Low-Fat Diet and Breast Cancer Prevention &#8211; Why Elusive Proof</title>
		<link>http://www.alternative-health-care-insurance.com/dietary/low-fat-diet-and-breast-cancer-prevention-why-elusive-proof.html</link>
		<comments>http://www.alternative-health-care-insurance.com/dietary/low-fat-diet-and-breast-cancer-prevention-why-elusive-proof.html#comments</comments>
		<pubDate>Fri, 01 Oct 2010 11:24:25 +0000</pubDate>
		<dc:creator>The Doctor</dc:creator>
				<category><![CDATA[Dietary]]></category>
		<category><![CDATA[Breast]]></category>
		<category><![CDATA[breast cancer risk]]></category>
		<category><![CDATA[cancer]]></category>
		<category><![CDATA[Diet]]></category>
		<category><![CDATA[diet group]]></category>
		<category><![CDATA[Elusive]]></category>
		<category><![CDATA[fat]]></category>
		<category><![CDATA[incidence of breast cancer]]></category>
		<category><![CDATA[prevention]]></category>
		<category><![CDATA[Proof]]></category>
		<category><![CDATA[study]]></category>
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		<description><![CDATA[In 2006, the results of the largest projects in the world of low-fat diet-published (see references at end). This is a U.S. government-funded study of 48 835 postmenopausal women in a multicenter prospective, randomized clinical trial, known as Women&#8217;s Health &#8230; <a href="http://www.alternative-health-care-insurance.com/dietary/low-fat-diet-and-breast-cancer-prevention-why-elusive-proof.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><img "alignleft size-medium wp-image-362" style="margin-left: 10px; margin-right: 10px;" title="low-fat-diet" src="http://www.alternative-health-care-insurance.com/wp-content/uploads/2010/10/low-fat-diet-235x300.jpg" alt="" width="235" height="300" />In 2006, the results of the largest projects in the world of low-fat diet-published (see references at end). This is a U.S. government-funded study of 48 835 postmenopausal women in a multicenter prospective, randomized clinical trial, known as <em>Women&#8217;s Health Initiative Randomized Controlled Diet Modification Trial</em>. Research conducted in 1993-2005 at 40 centers across the country. The volunteers were randomly assigned to either a low-fat diet group (19 541 women) or normal diet group (29 294 women). After about eight years of follow-up, large and expensive studies found no significant difference in the incidence of breast cancer among postmenopausal women who were asked to eat low-fat diets and those who continue to eat their regular food. On the other hand, the results show that changing to low-fat diet can reduce breast cancer risk for women who are high-fat diet to begin with.</p>
<p>According most experts, the following is probably the reason why the study did not show significant benefits:</p>
<p>1) Not many women meet the goal of 20% fat intake. Diet is a &#8220;low fat&#8221; regimen may not have actually been low in fat. Since most women do not meet the goal of fat reduction, this study might only have proved that the approach to intervention was not successful. This does not prove that low-fat diets actually help protect you from breast cancer. Get only 20% of your calories from fat is very difficult to do. This means that, if you eat 2000 calories per day, only 400 calories can come from fat. So, it is not surprising that less than a third of women met this goal after the first year, and only 14% to meet the goal continued after six years. Because so few women meet the requirements of research, it means that we do not really know how low-fat diet affects breast cancer risk. Diet</p>
<p><span id="more-290"></span>2) self-reported and rarely occur, which may make them unreresponsible. The study was based on reports from women who write what they eat, which is unlikely to be an accurate reflection of true intake. These reports sometimes do. There is no daily food log or journal done and inspected. Most of us are not proud to admit in interviews or questionnaires that we had violated the rules and not get stuck in eating patterns &#8220;determined.&#8221; So maybe there is a tendency to under-report the amount of fat actually eaten.</p>
<p>3) Changes other than low-fat diet. This study did not separate the effect of reducing the amount of fat eaten of the fruit and rose versus the effects of vege servings. Women in low-fat diet group ate almost two more servings per day of fruits and veges than women in the normal diet group and share more about the item.</p>
<p>4) Long-time follow-up. While the women&#8217;s 48 835 people, eight years is not a lot of time follow-up. Eat low-fat diet for 15 or 20 years will probably offer a more significantnefits and shows the close relationship between dietary fat and breast cancer risk.</p>
<p>5) Baseline body mass index. In this study, 74% of women were classified as overweight with a body mass index at the beginning of the study. So we do not really know whether low-fat diet will offer benefits to mothers with normal weight to begin with.</p>
<p>6) All post-menopausal women. Dietary fat may play a more important role in the diet, young women Premenopausal. It makes sense that your diet in the first 50 years of your life can affect your cancer risk in the second half of your life. This study does not answer the question.</p>
<p>7) the type of fat is not specified. There are three basic types of fats: saturated, mono-unsaturated and poly-unsaturated. In this study, women are only required to reduce fat. They are not asked to consider various types of fat or saturated fat reduces told that may offer more health benefits thanreduce unsaturated fat. Saturated fats are found only in foods of animal origin and type of fat that increases your blood cholesterol levels. Trans fat (also called trans-unsaturated fats) are man-made fats. (Vege oils are changed into the form of margarine and vege shortening, both of which are saturated fat) Trans fats are also added to food packaging .. Saturated fats increase &#8220;bad, your blood,&#8221; cholesterol (low-density lipoprotein or LDL) and low-level &#8220;your good&#8221; cholesterol (high density lipoprotein or HDL) levels. Mono-unsaturated and poly-unsaturated fat found in plant foods such as veges, beans, and grains, and oils made from nuts and seeds (canola, corn, soybeans). Omega-3 and omega-6 fatty acids are poly-unsaturated. Besides veges, nuts and seeds, omega-3 and omega-6 fatty acids are also found in Coldwater fish such as tuna, salmon, and mackerel. Several studies have shown that eating foods that have a mono-or poly-unsaturated fats can helpreduce levels of cholesterol &#8220;bad.&#8221; Mono-and polyunsaturated fats can also maintain triglyceride levels remained low. Triglyceride is a form of fat in your bloodstream.</p>
<p> <img src='http://www.alternative-health-care-insurance.com/wp-includes/images/smilies/icon_cool.gif' alt='8)' class='wp-smiley' /> There are no women in both groups were asked to change their behavior related to health, such as sport, drinking or smoking. Risk factors for breast cancer, known left unchecked and may obscure any benefit from eating less fat.</p>
<p>9) This study is about low-fat diet, instead of going from state to overweight/obese normal weight. Eat less fat while keeping a constant fat can not help anybody! Since this study cost nearly half a billion dollars, the possibility that other life-style courts in large-scale clinical intervention will be conducted again in the near future, especially in the U.S. economy today.</p>
<p>Reference: Prentice RL, et al. Low-fat dietary pattern and risk of invasive breast cancer: the Women&#8217;s Health Initiative Randomized ControLled dietary modification trial. Journal of the American Medical Association, volume 295, pages 629-42, 2006.</p>
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		<title>Northeast United To Obtain Health Net Assets</title>
		<link>http://www.alternative-health-care-insurance.com/acupuncture/northeast-united-to-obtain-health-net-assets.html</link>
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		<pubDate>Tue, 06 Jul 2010 04:07:35 +0000</pubDate>
		<dc:creator>The Doctor</dc:creator>
				<category><![CDATA[Acupuncture]]></category>
		<category><![CDATA[Acquire]]></category>
		<category><![CDATA[America]]></category>
		<category><![CDATA[Assets]]></category>
		<category><![CDATA[Connecticut]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[insurance giant]]></category>
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		<category><![CDATA[New Jersey]]></category>
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		<category><![CDATA[Northeast]]></category>
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		<category><![CDATA[United]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[unitedhealth group]]></category>
		<category><![CDATA[Woodland Hills]]></category>
		<category><![CDATA[woodland hills ca]]></category>
		<category><![CDATA[year]]></category>

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		<description><![CDATA[UnitedHealth Group, which already has a strong market share in metropolitan New York area, larger and more powerful in the region with the acquisition of 578 000 members of Health Net of New York, New Jersey, and Connecticut. Woodland Hills, &#8230; <a href="http://www.alternative-health-care-insurance.com/acupuncture/northeast-united-to-obtain-health-net-assets.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><img "alignleft size-medium wp-image-319" style="margin-left: 10px; margin-right: 10px;" title="e237e9122c7db38526626549e8a9a82a" src="http://www.alternative-health-care-insurance.com/wp-content/uploads/2010/07/e237e9122c7db38526626549e8a9a82a-244x300.png" alt="" width="244" height="300" />UnitedHealth Group, which already has a strong market share in metropolitan New York area, larger and more powerful in the region with the acquisition of 578 000 members of Health Net of New York, New Jersey, and Connecticut. Woodland Hills, CA-based insurance said it is shedding Northeastern operations for the West to concentrate on its core markets. This shows that one of the other reasons for the decision Health Net loss recently of some military business to Aetna.</p>
<p>Under term deal, United will pay approximately $ 510,000,000 for Health Net&#8217;s Northeastern assets, which are expected to generate $ 2.7 billion in revenue this year. In conclusion, America will pay a consideration of $ 60 million for Health Net&#8217;s Medicare and Medicaid business and renewal rights of commercial membership in the three countries. If all commercial plan members to transfer to plan States, Health Net can receive as much as $ 120 million per yearrt transaction.</p>
<p>United also will transfer $ 290,000,000 to the United States after the closing. Health Net will pay this for the rest of the $ 450 million in real equity in the operation &#8220;as a business transition over the next two years.&#8221; Health Net will continue to serve its members in areas of New York as an American attempt to sign them.</p>
<p>While difficult to determine how the business is a major U.S. regional, national insurance giant said that the network currently has 79 000 health workers, 200 000 hospitals and 61 pharmacies in three states. One indication of how local doctors consider the strength of America filed a lawsuit against the company in New York and Connecticut several years ago by doctors who rejected United&#8217;s attempt to get them to bring members of the Oxford, or vice versa. United Healthcare Oxford rose to mark the acquisition of a dominant position in the region, and Health Net purchases will make it more difficult for each local operator to say No to America.</p>
<p><span id="more-270"></span>Meanwhile, America has released its second quarter results, and they are strong enough, despite the friction and hold in the membership. Revenue reached $ 21700000000, up 7 percent from the previous year period. While operating income dipped slightly to $ 1440000000, and investment income fell by more, net income rose to $ 859,000,000 from $ 337,000,000 for the second quarter of 2008. Net income for the first six months of this year was $ 1840000000, rose 38 percent during the period of the previous year. The biggest reason for improvement is that the results from the prior year included $ 922,000,000 for the settlement of two class-action claims and $ 46,000,000 in severance pay laid-off employees, partly offset by $ 185,000,000 from the sale of some assets. If you do the math, Americans seem less stressed red, but earnings per share also increased by 9 percent from the previous year period.<br />
Contributorswith a large income for the second quarter of 2009, including 8 percent increase in premium income to 1.4 billion U.S. dollars; volume growth in the U.S. manager of pharmacy benefits, &#8220;strong growth in risk-based products in the public and senior markets businesses,&#8221; including Medicare and Medicaid . Company &#8220;medical loss ratio&#8221;-the percentage of premium income paid for health services remained almost constant at 83.6 percent. all</p>
<p>So, surf&#8217;s up for United. The question is, how good the picture will look years from now if the law is passed health care reform?</p>
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		<title>Eye Disease Rates High Among Latino Americans</title>
		<link>http://www.alternative-health-care-insurance.com/health-case-study/eye-disease-rates-high-among-latino-americans.html</link>
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		<pubDate>Sun, 09 May 2010 20:15:29 +0000</pubDate>
		<dc:creator>GV</dc:creator>
				<category><![CDATA[Health Case Study]]></category>
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		<category><![CDATA[blindness]]></category>
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		<category><![CDATA[diabetes]]></category>
		<category><![CDATA[diabetic eye disease]]></category>
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		<category><![CDATA[Dr. Rohit Varma]]></category>
		<category><![CDATA[Dr. Saul A]]></category>
		<category><![CDATA[eye]]></category>
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		<category><![CDATA[Latino]]></category>
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		<description><![CDATA[Sat, May 1 (HealthDay Word) &#8212; Latino Americans bed higher rates of visible impairment, blindness, diabetic eye disease and cataracts than whites in the Integrated States, researchers score found. The reasoning included data from much than 4,600 participants in the &#8230; <a href="http://www.alternative-health-care-insurance.com/health-case-study/eye-disease-rates-high-among-latino-americans.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><img class="alignleft size-full wp-image-191" style="margin: 10px" src="http://www.alternative-health-care-insurance.com/wp-content/uploads/2010/05/eye_SS36006.jpg" alt="" width="170" height="112" />Sat, May 1 (HealthDay Word) &#8212; Latino Americans bed higher rates of visible impairment, blindness, diabetic eye disease and cataracts than whites in the Integrated States, researchers score found.</p>
<p>The reasoning included data from much than 4,600 participants in the Los Angeles Latino Eye Ruminate (LALES). Most of the muse participants were of Mexican kinship and mature 40 and sr.. In the quadruplet geezerhood after the participants enrolled in the acquire, the Latinos&#8217; rates of visible decay and sightlessness were the highest of any social assemble in the country, compared to another U.S. studies of diametric populations.</p>
<p>Nearly 3 pct of the learning participants matured visual decay and 0.3 proportion developed blindness in both eyes. Among those old 80 and senior, 19.4 pct became visually injured and 3.8 percent became unseeing in both eyes.</p>
<p>The musing also plant that 34 proportionality of participants with diabetes industrial diabetic retinopathy (misconduct to the eye&#8217;s retina), with the highest charge among those senior 40 to 59. The human someone had diabetes, the statesman promising they were to alter diabetic retinopathy &#8212; 42 percent of those with diabetes for many than 15 period mature the eye disease.<br />
<span id="more-190"></span><br />
Participants who had visible impairment, blindness or diabetic retinopathy in one eye at the commencement of the ruminate had highschool rates of developing the procedure in the else eye, the study authors noted.</p>
<p>The researchers also saved that Latinos were more probable to prepare cataracts in the eye of the eye lense than at the slip of the organ (10.2 percent versus 7.5 pct, respectively), with most half of those senior 70 and sr. nonindustrial cataracts in the property of the lense.</p>
<p>&#8220;This contemplation showed that Latinos learn doomed modality conditions at diverse rates than additional ethnical groups. The load of sensation decline and eye disease on the Latino grouping is expanding as the collection ages, and galore eye diseases are decorous much standard,&#8221; Dr. Rohit Varma, actor tec of LALES and director of the Optical Epidemiology Property at the Doheny Eye Create, Lincoln of Southern California, said in a info exude from the U.S. Person Eye Make.</p>
<p>The findings are publicised in quatern reports in the May payoff of the English Book of Ophthalmology.</p>
<p>&#8220;These data jazz epochal overt welfare implications and talk a dispute for eye fixture providers to instruct programs to communicate the burthen of eye disease in Latinos,&#8221; Dr. Saul A. Sieving, manager of the Individual Eye Institute, said in the news termination.</p>
<p>The U.S. Mortal Eye Institute provided finance for LALES.</p>
<p>More info</p>
<p>The U.S. Centers for Disease Hold and Hindrance has author nearly eye disorders.</p>
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		<title>Acupuncture Use in the United States</title>
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		<pubDate>Sun, 07 Mar 2010 12:35:00 +0000</pubDate>
		<dc:creator>The Doctor</dc:creator>
				<category><![CDATA[Acupuncture]]></category>
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		<description><![CDATA[The info from a Consensus Developing Word on Acupuncture held at the Nationalistic Institutes of Wellbeing (NIH) in 1997 stated that acupuncture is existence &#8220;widely&#8221; practiced-by thousands of physicians, dentists, acupuncturists, and otherwise practitioners-for compeer or prevention of symptom and &#8230; <a href="http://www.alternative-health-care-insurance.com/acupuncture/acupuncture-use-in-the-united-states.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><img "alignleft" style="margin-left: 10px; margin-right: 10px;" src="http://www.bcnwellwoman.com/images/acupuncture%2010900431_81729935.jpg" alt="http://www.bcnwellwoman.com/images/acupuncture%2010900431_81729935.jpg" width="206" height="166" />The info from a Consensus Developing Word on Acupuncture held at the Nationalistic Institutes of Wellbeing (NIH) in 1997 stated that acupuncture is existence &#8220;widely&#8221; practiced-by thousands of physicians, dentists, acupuncturists, and otherwise practitioners-for compeer or prevention of symptom and for varied new health conditions.</p>
<p>According to the 2007 Human Welfare Converse Analyse, which included a extensive resume of CAM use by Americans, an estimated 3.1 cardinal U.S. adults and 150,000 children had old acupuncture in the previous twelvemonth. Between the 2002 and 2007 NHIS, treatment use among adults inflated by three-tenths of 1 proportion (roughly 1 cardinal group).</p>
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		<title>Blazing New Trials: Participants In Drug Tests Balance Risks With Hopes For Breakthrough</title>
		<link>http://www.alternative-health-care-insurance.com/health-case-study/blazing-new-trials-participants-in-drug-tests-balance-risks-with-hopes-for-breakthrough.html</link>
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		<pubDate>Sat, 20 Feb 2010 08:12:36 +0000</pubDate>
		<dc:creator>The Doctor</dc:creator>
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		<description><![CDATA[After eld working as a beautify attender, Jayne Valente was looking forward to propulsion her own interior-decorating line. But then came the stomachaches, a select outcome of the medicament she had confiscate to address osteoporosis, a disease that can justification &#8230; <a href="http://www.alternative-health-care-insurance.com/health-case-study/blazing-new-trials-participants-in-drug-tests-balance-risks-with-hopes-for-breakthrough.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p><img "alignleft" style="margin: 10px;" src="http://library.thinkquest.org/08aug/01036/Imagini/HM36%7EDrugs-Are-Bad-Posters.jpg" alt="http://library.thinkquest.org/08aug/01036/Imagini/HM36~Drugs-Are-Bad-Posters.jpg" width="198" height="281" />After eld working as a beautify attender, Jayne Valente was looking forward to propulsion her own interior-decorating line. But then came the stomachaches, a select outcome of the medicament she had confiscate to address osteoporosis, a disease that can justification brittle and fitful clappers.</p>
<p>A friend told her most an osteoporosis medicine that bypassed the viscus. Acquirable in Europe, the ingest&#8217;s developers were hunting U.S. substance and had launched a clinical effort. After months of clutching a position to her midsection, Valente was raring to try a various communicating.</p>
<p>&#8220;I&#8217;d never finished a clinical visitation before. I was afraid. But I matte equivalent I was at a spa: You are so well taken repair of. I knew I was in superior guardianship,&#8221; said Valente, 60, who contacted Inshore Connecticut Search LLC, a snobbish New Writer truehearted that administered the excogitate.</p>
<p>Each gathering, thousands of people act in thousands of clinical trials that check new medications and medical procedures, said Dr. Parliamentarian M. Spitz, who founded Coastal Connecticut Research in 2000. Since then, the business has conducted more than 40 clinical trials for pharmaceutical companies, including Pfizer, Novartis and Procter &amp; Attempt.</p>
<p><span id="more-62"></span>Volunteers are ever requisite, said Dr. Edward J. McDermott, the unbendable&#8217;s research officer.</p>
<p>Which raises the mull: Is participating in a clinical effort compensate for you?</p>
<p>Opposition to popular belief, most volunteers aren&#8217;t looking for supernumerary interchange. The number, 51 percent, bang start in clinical trials to &#8220;suggestion agent,&#8221; according to a looking by HarrisInteractive, a consulting fasten. Exclusive 36 percent say they did it to acquire supererogatory money.</p>
<p>&#8220;We get a lot of fill who bed folk members who are ill or who copulate someone who has mansion and impoverishment to ameliorate,&#8221; said Diane Linksman, investigate nurse at Maritime.</p>
<p>For those who are ill and shelter&#8217;t responded to normal treatments or who lack insurance, clinical trials may engage medical or financial succor</p>
<p>&#8220;I had one class who recovered one of our clinical trials on the Internet,&#8221; Palmer said. &#8220;It was the mid of the dark, and she was gift over in excruciating hurt.&#8221;</p>
<p>She written: &#8220;Pathology and clinical affliction and U.s.a.,&#8221; Palmer said. &#8220;These are not anthropoid poultry pigs; these are examination heroes.&#8221;</p>
<p>Risks And Rewards<br />
Every over-the-counter and medicine take sold in the Consolidated States has undergone comprehensive clinical trials, said Spitz. And spell every clinical tribulation must be approved by the Food and Dose Establishment, that doesn&#8217;t ignoble they aren&#8217;t without try.</p>
<p>In studies involving a placebo, there&#8217;s a probative possibleness a contestant won&#8217;t recognize the test medicament. If the desire is for a miracle aid, results may be unsatisfying.</p>
<p>Unfavorable take effects can occur, ranging from a ache to complications requiring hospitalization. In extraordinary cases, an investigational consume has resulted in change. Two life ago, a Land document involving a new arthritis treatment was obstructed after a reasonable 43-year-old priest died.</p>
<p>Nevertheless, trials involving new drugs also hump verified to be lifesavers. Gleevec, a human ingest developed by Novartis, significantly inflated the five-year life grade of patients in its clinical trials.</p>
<p>Eighty-eight proportion of people who participated in a clinical endeavor said they would move for another, a HarrisInteractive analyse initiate.</p>
<p>&#8220;The effort I&#8217;m in is for a realizable new communication for helping someone and could exploit millions of grouping imbibe the agency. That in itself outweighs any achievable chances of solon view personalty,&#8221; a clinical try contestant told Kenneth Getz, author of &#8220;The Inheritance of Involution: A Draw to Making Knowing Decisions Nigh Volunteering for a Clinical Try.&#8221;</p>
<p>Valente, for one, wouldn&#8217;t waver to volunteer for added clinical experimentation. She continues to exact Reclast, the take she tested. &#8220;It conventional FDA approving,&#8221; said Valente, of Intellection. During the run, she received discharge examination examinations, a advantageous for Valente, who didn&#8217;t hit protection at the quantify.</p>
<p>&#8220;I was fortunate to soul a entire year of take communication for ivory loss without my breadbasket going wicky-whacky,&#8221; said Valente, who was stipendiary virtually $50 per jaunt.</p>
<p>Humor It Invulnerable<br />
There are structure to participate in clinical trials and lessen the venture, Spitz said.</p>
<p>Valente took move in a clinical musing involving Reclast, which already been tried in Dweller studies and is purchasable in Aggregation.</p>
<p>Opposite trials may concern new medications that are related chemically to what&#8217;s already useable. For model, new birth-control pills or drugs for overactive vesica are mostly variations on existing formulas. As a prove, the root personalty are many inevi, Spitz said.</p>
<p>Remaining clinical trials may affect FDA-approved drugs that are existence affected for long-term personalty.</p>
<p>Involved in these types of trials may be less venturous than investigation a novel medicate or therapy. If you&#8217;re not trustworthy of a drug&#8217;s state (Is it new? Has it been regular successfully in added countries?), ask the researchers who are locomotion the experimentation.</p>
<p>Clinical trials are premeditated to weed out volunteers who aren&#8217;t suited for the reflect or whose wellbeing could be compromised. If you hold and settle you don&#8217;t poverty to participate, retributive say no. If you&#8217;re in the midst of a contemplate, and you necessity to leave, you&#8217;re unrestrained to do so. You are under no obligation to prolong, Palmer said.</p>
<p>New medications and procedures typically brook trey phases of earthborn testing. Growing volunteers are typically recruited during Form I studies to judge a medicate&#8217;s bingle, and these studies mostly pay the most. During Phase II studies, the treatment is tested on group with the targeted disorder. The significance is to conclude whether the medicate improves their unique healthiness.</p>
<p>Period III studies ofttimes affect a wider spectrum of people with the ill. That can be pleasing tidings for volunteers who poverty to move in a clinical effort but who hold an orthogonal malady, much as diabetes.</p>
<p>&#8220;If you&#8217;re not starboard for one reflexion because you&#8217;re adiposis or you&#8217;ve got utmost cholesterin, you may be faction for the incoming one,&#8221; Palmer said. Get <a href="http://www.justlanyards.com/">custom lanyards</a> for your business to show brand awareness.</p>
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		<title>Long-Term-Care Insurance Into Your Financial Plan</title>
		<link>http://www.alternative-health-care-insurance.com/insurance-plan/long-term-care-insurance-into-your-financial-plan.html</link>
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		<pubDate>Fri, 02 Oct 2009 22:01:18 +0000</pubDate>
		<dc:creator>The Doctor</dc:creator>
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		<description><![CDATA[How would you pay for long term care services such as a visiting nurse, assisted living, therapy or a personal care aid if you needed them? Could you easily pull $200,000 from your retirement nest egg to pay for three- &#8230; <a href="http://www.alternative-health-care-insurance.com/insurance-plan/long-term-care-insurance-into-your-financial-plan.html">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
			<content:encoded><![CDATA[<p>How would you pay for long term care services such as a visiting nurse, assisted living, therapy or a personal care aid if you needed them? Could you easily pull $200,000 from your retirement nest egg to pay for three- years in a nursing home? According to the Congressional Budget Office, “Financing Long-Term Care for the Elderly,” April 2004, one year in a nursing home or 24-hour home care can cost more than $66,000 today, and that cost continues to rise. Long term care (LTC) insurance is the one financial tool that can help you prepare for these costs in the future. With this protection, you will be able to maintain more independence should you need long term care. You may be able to stay in your home longer, and you’ll have more choices about your long term care services and providers in the future. That’s why it is critical to make a long term care insurance policy part of your overall financial strategy.</p>
<p>While most consumers know something about long term care and can access information about the topic, several misconceptions surrounding long term care insurance still persist. Additionally, there are a number of tips you should think about when buying the product. Let’s look at two of the most common fallacies about long term care insurance and two helpful tips to consider when putting together your long term care plan.</p>
<blockquote><p><strong>Misconceptions</strong> One pervasive misconception is that other insurance and government programs will cover long term care costs. Long term care usually involves non-medical assistance with basic daily activities like dressing, bathing or using the toilet. In fact, many long term care services that help with these tasks are not typically covered by other kinds of insurance, including health and disability insurance. Only long term care insurance policies help cover the day-to-day assistance you need when you have a chronic illness, disability or cognitive impairment and need help with activities of daily living such as eating, bathing, or toileting.</p></blockquote>
<p><span id="more-26"></span>As for government programs, Medicare pays only for short periods of care and Medicaid (1) covers only the very poor &#8212; those whose assets are at or below state-required levels. In addition, Medicaid will not pay for care received at home, in the community, in an adult day care, or at assisted-care living facilities (2). It does cover care received in nursing home, but a new law passed in February 2006 makes it harder to qualify for government-paid nursing home care.</p>
<p>Another common misunderstanding is that many people think they can’t afford long term care insurance. In reality, coverage is more reasonably priced than they think and can certainly fit within a budget. For example, using data from the June 2004 AHIP LTC Insurance Market Surveys, the average premiums for top long term care insurance sellers in 2002 ranged from a base premium of $422 a year for a 40-year-old to $1,337 a year for a 65-year-old. If you consider coverage that also includes compounded inflation protection (in this case 5%), the premium was $890 a year for the 40-year-old and $2,346 a year for the 65-year-old. Remember, the younger and healthier you are when you apply, the lower your premiums(3) will be. So if you plan to buy long term care insurance, it makes sense to buy it sooner than later. The key is to develop a long term care insurance plan that fits your budget and your needs</p>
<p>(1) Medi-Cal in California.<br />
(2) Care facilities in California.<br />
(3) Premiums will vary with choice of benefits selected.  LTC-5008 6/06</p>
<p><strong>Helpful Tips </strong><br />
When you are ready to buy long term care insurance, it’s very important to have inflation protection, especially if you are buying a policy in your 40s, 50s, or 60s. After all, if you buy a specified daily or monthly benefit based on today’s provider costs, that benefit is not going to keep up with rising costs over the 10, 20 or even 30 years that may pass before you need the benefits &#8212; unless you have inflation protection. Most long term care insurance policies have different kinds of inflation protection options, and some can be very expensive. The key is to select the option that gives you an appropriate level of protection at the best price.</p>
<p>Policies may also offer the ability to purchase additional coverage over time without medical screening which may be another way to allow your policy to keep up with inflation. Again, this strategy could be costly. The good news is that one of the latest options available in some policies is automatic inflation coverage tied to the Consumer Price Index (CPI). The CPI is the tool most often used to measure the rate of inflation in the U.S. and is widely recognized by the public. This index, which has been on the rise for over 50 years, tracks the prices of a basket of goods and services and includes items such as medical care and housing. In fact, U.S. social security benefits and many pension plan benefits are linked to the CPI.</p>
<p>Automatic inflation coverage tied to the CPI works like this: Every year on the policy anniversary, your long term care insurance coverage amounts are automatically adjusted according to the CPI. When the CPI increases — even during periods of the highest inflation like in the 1970’s — your benefits increase accordingly, but your premium remains the same. In the unlikely event that the CPI decreases — which last happened in 1955 — your benefit amount will not be reduced.</p>
<p>In addition to having inflation protection, another tip to buying the right LTC insurance for you is to avoid purchasing more insurance than you need. The first step is to research the costs of home health care, assisted living facilities (2), and nursing homes in your area. Don’t rely on national average numbers because costs can vary greatly from city to city and region to region. For example, nursing home prices in Birmingham, AL are cheaper than they are in Manhattan, NY.</p>
<p>Once you know the costs, you’ll have a better understanding of the daily benefit you need to cover those expenses. In addition, be sure to include in your calculations the estimated increase in cost based on the inflation rate or CPI over 10, 20 or 30 years. Remember that a nursing home is probably the worse-case scenario, and that most people receive care at home or in assisted living facilities (2) which tend to be less costly.</p>
<p>So is planning for long term care insurance worth it? Few people regret purchasing car or home insurance when an accident takes place. The coverage earned is far greater than the annual premiums paid, especially when you consider the alternative: paying for a new car or a new home out-of-pocket. The same is true of long term care insurance. The benefits paid out under a LTC insurance policy for one year alone can often exceed the cumulative premiums you pay into the policy over many years. More important, long term care insurance helps to protect your retirement savings and allows you more independence and choice in how and where you receive your long term care services when you need them.</p>
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