Tag: Healthcare

  • Make The Most Of Your Health Care Dollars

    SELF-CARE CORNER

    Image of doctor taking a patient's blood pressure reading.

    So you’ve got that high deductible health plan or flexible spending account. How can you save money-and spend your dollars wisely? Blue Cross Blue Shield of Delaware offers these suggestions:

    *Stay in-network.Make sure your doctors, laboratory, and hospital are a part of your health plan’s provider network so you save on copays and coinsurance amounts.

    *Use alternatives to emergency services.A visit to the hospital ER is generally unnecessary for issues such as the flu, minor cuts and sprains, or urinary tract infections. Overall costs are usually lower at walk-in clinics and urgent care centers. Check your health plan’s provider directory for nearby centers.

    *Take the tests.Receive the screenings, tests, vaccines, and other care that your plan covers, as recommended by your doctor. When you and your family stay healthy, you can avoid doctor visits and time off from work.

    *Take your medicine.To receive the full benefit of your medicine, remember to take the recommended dosage for as long as your doctor prescribes it. People who take their medicine as prescribed need less health care-and less expensive care. If you don’t understand how to take your medicine, ask your doctor or pharmacist.

    *Find the best price for the medication you need.Always ask if a generic prescription drug or an over-the-counter (OTC) drug would be best for you. For any brand-name drug, research the manufacturer before you fill the prescription. Then check its website for any discount coupons or free copay programs that may be available for that drug.

    © American Institute for Preventive Medicine

  • Making Your Health Care Wishes Known

    WELL-BEING

    Image of doctor talking to patient.

    It’s a tough topic to think about, but also a necessary one. What are your wishes for your own health care if you were unable to communicate?

    Most people don’t think about this kind of scenario, especially if they are healthy. But if you are in a serious accident or become severely ill, you may not be able to tell your family what you want. This is when an “advance directive” can be very useful for you and your family.

    Advance directives: what are they?

    An advance directive is a document that states your desires about your care when you cannot speak for yourself. If you are admitted to the hospital, the doctor may ask if you have an advance directive. It may describe:

    *  Care you want if you have an illness that won’t get better.

    *  What you want if you are permanently in a coma or unconscious.

    *  Treatment that you don’t want to receive.

    *  Treatment you do want, regardless of how sick you are.

    Advance directives can have different parts that help in different ways. You may have one or more of these:

    *A living will.This is a written, legal document. It covers what treatment you want if you were terminally ill or would not wake up from a coma. It can list specific things you would like done depending on how sick you are.

    *Durable power of attorney (DPA).It names a person to make health care decisions for you. A DPA becomes active any time you cannot make medical decisions for yourself. Sometimes it is called a Medical Power of Attorney or health care proxy. Only use a DPA if you have someone you trust to make these decisions. Talk to your DPA about their role and your health care wishes.

    *Do not resuscitate order (DNR).If a person’s heart stops or they stop breathing, hospital staff will give CPR, or cardiopulmonary resuscitation. If you have a DNR, you are telling hospital staff that you do not want CPR given to you. You do not have to have a living will or DPA to have a DNR.

    Some states do not consider living wills or DPAs to be official legal documents. Even if it’s not legal, an advance directive or DPA can be very helpful. It can help your family and/or doctor make decisions you want so you get the care you desire. Your doctor or an attorney can tell you about your state’s laws. All states recognize and honor DNR orders that are in a patient’s medical record. An attorney does not have to do a DPA or living will. Many people fill them out themselves.

    What do I put in an advance directive?

    If you’re thinking about getting an advance directive, you may be wondering what it should say. Your doctor or an attorney can help you, and you may want to think about it for a while.

    Health care items that are often listed in a living will include:

    *  Ventilation (artificial breathing machines)

    *  Dialysis (machines that work for kidneys that are failing)

    *  Tube feeding (used when a person  cannot eat or drink)

    *  Palliative care (care that keeps you comfortable, such as pain relief measures)

    *  Organ donation or donating organs to be used for research

    Why do I need an advance directive?

    Most medical experts agree that an advance directive is helpful. It makes your preferences about medical care known before you become sick or injured. It means your loved ones will not have to make hard decisions about your care while you are sick.

    An advance directive can give you peace of mind. If you feel strongly about receiving certain treatments, an advance directive helps ensure that your wishes will be honored. It gives you more control over your own health care.

    Where do I start?

    An advance directive doesn’t have to be hard. It can be short and simple. You can:

    *  Get a form from your doctor.

    *  Write down your own wishes yourself.

    *  Discuss your wishes with your DPA.

    *  Meet with an attorney to write an advance directive.

    *  Get a form from your local health department or Area Agency on Aging in your area.

    It’s a good idea to have your doctor or an attorney look at your advance directive. This ensures your wishes are in line with state laws. It also gives you a chance to answer questions and make sure your wishes are understood. When you are done, have your advance directive notarized. Give copies to your family and your doctor.

    You can change or cancel your advance directive. This can be done when you are of “sound mind,” which means you are able to think and communicate clearly. Any changes you make must be signed and notarized according to the laws in your state. Make sure that your doctor and family members know about the changes.

    Sources: Medicare.gov, American Academy of Family Physicians

    © American Institute for Preventive Medicine

  • Navigate Open Enrollment

    WELL-BEING

    Image of 2 people talking.

    Make the most of your benefit plan, especially during open enrollment periods. Here are money-saving tips from HighRoads, a benefits management company.

    *Get your plan materials.Some companies are giving you a Summary Plan Description online, via mobile apps, as well as on paper. It’s good to know how you can access this information during open enrollment and throughout the year, in case you want to review it again when you are in need of a particular medical service. Take time to read the plan.

    *Calculate your costs.Many employers provide cost calculators to help project your total cost for the coming plan year. The total cost includes the premium you pay as well as your share of the deductible and coinsurance. Take the time during open enrollment to think through your potential medical needs and calculate your anticipated expenses before selecting a plan. It may save you hundreds in the long run.

    *Consider an account.Your employer may offer you the option of a health care account, whether it is a flexible spending account, a health reimbursement account, or a health savings account. These accounts can help you save money on qualified medical expenses that aren’t covered by your health care plan, such as deductibles and coinsurance. Each account has a different set of rules about how and when you can spend the money, but each is worth considering because the savings you’ll see can add up quickly.

    *Is prevention covered?One of the benefits of health care reform is an extended list of preventive care benefits that must be offered by new health care plans for free. Preventive services such as colonoscopy screenings, Pap smears and mammograms for women, well-child visits, and flu shots for all children and adults must be offered without out-of-pocket costs. However, these benefits are only for new health plans and don’t apply to “grandfathered” plans that haven’t significantly changed in a few years.

    *Use wellness incentives.More employers than ever before are offering incentives such as premium discounts, low deductibles, gym memberships, or prizes to employees and their family members for health improvement.

    *Know your deadlines.No matter what changes you may make, if any, during this year’s open enrollment period, don’t let your selection deadlines slip by without action.

    © American Institute for Preventive Medicine

  • Read The Labels, Again

    WELL-BEING

    Image of medicine bottles.

    Any box or bottle of over-the-counter (OTC) medicine lists its active ingredients prominently on the label. But are consumers using that information to make wise choices about taking two or more OTC drugs at the same time? Probably not, suggests a study in the Journal of Public Policy & Marketing.

    A consumer who takes a cold medicine containing, for instance, acetaminophen, may see nothing wrong with taking an additional medicine that also contains acetaminophen. In other words, the typical consumer, who is unlikely to have any medical expertise, may very well believe that there is no danger in taking any two OTC medications at the same time-even medications with the same active ingredients.

    Avoid double dosing. OTC drugs are not risk-free. Read labels.

    FYI

    According to the FDA, more than 600 OTC and prescription medicines contain the active ingredient acetaminophen. Taking acetaminophen is safe and effective when you follow the label information. But you can get severe liver damage if you take:

    *  More acetaminophen than directed

    *  More than one medicine that has acetaminophen

    *  3 or more alcoholic drinks every day while using acetaminophen

    For more information, ask your pharmacist, doctor, or nurse.

    © American Institute for Preventive Medicine

  • Rx Painkiller Deaths On The Rise

    MEDICAL NEWS

    Image of open pill bottle with 3 pills next to the bottle.

    From 1999 to 2010, deaths from prescription pain relief drugs increased more than 400 percent in women and 265 percent in men. These facts are from a recent report from the Centers for Disease Control and Prevention (CDC).

    “Prescription painkiller deaths have skyrocketed in women (6,600 in 2010), four times as many as died from cocaine and heroin combined,” said CDC Director Tom Frieden, M.D., M.P.H. “Stopping this epidemic in women – and men – is everyone’s business. Doctors need to be cautious about prescribing and patients about using these drugs.”

    Use Rx pain relief medicines wisely

    *  Let your doctor know about all prescribed and OTC medicines you take. This includes ones that treat depression, anxiety, or sleep problems. It includes vitamins and herbal products, too.

    *  Ask your doctor the risk of addiction when he or she prescribes sleeping pills, strong painkillers, etc. Find out how long you should take the medicines. Ask if there are ways to help treat your problem without them.

    *  Find out how much alcohol, if any, can be taken with your prescribed medicines.

    *  Follow the guidelines that your doctor and pharmacist provide with every prescription.

    *  Do not take another person’s prescribed medicines.

    *  Do not share your medicines with others.

    © American Institute for Preventive Medicine

  • Save Money On Health Expenses

    FINANCIAL HEALTH

    Image of stethoscope and money on top of paper work.

    Unexpected health care costs can be hard on any budget. To help manage your own health care costs:

    *Get preventive care.Well visits and checkups often cost a lot less than treating a disease or illness. Talk to your doctor and dentist about how often you should be seen, and stick to this schedule.

    *Use generic medicines.Name brand medicines can cost hundreds of dollars more than generic ones. Ask your doctor if a generic medicine is available for your condition. Tell your doctor if you are having trouble paying for medications. Drug makers sometimes offer coupons or savings cards for people who need them.

    *Shop around for your prescriptions.Medicine costs can vary widely among pharmacies. Call pharmacies and ask for the cost of your prescription medicine. Some websites also have prescription medicine costs available for pharmacies in your area. You may also wish to look into mail-order pharmacies.

    *Check your medical bills.Make sure there are no mistakes on your doctor, hospital or prescription bills. And, be sure your insurance covered services it is supposed to cover. If you have questions, or think you may be over-billed, call the number listed on your bill.

    Source: Consumer Federation of America

    Watch those late fees!

    A few dollars here, 20 dollars there… late fees can add up. Whether it’s your credit card bill or a service you received, make an effort to pay your bill on time. Avoid late fees by getting bills set up on automatic payment plans. Or, have a special slot on the wall to place bills that haven’t been paid. Then, they won’t get buried under junk mail or other papers on your desk.

    © American Institute for Preventive Medicine

  • The Grapefruit Effect

    MEDICAL NEWS

    Image of pill bottle with warning about grapefruit.

    Grapefruit can interact with your drugs. And your doctor may not be aware of it. An article in the Canadian Medical Association Journal points out that drug interactions with grapefruit were noted more than 20 years ago.

    Recently, more and more commonly prescribed newer drugs are found to interact with grapefruit (the fruit and the juice) and can cause serious side effects. Problems can occur even if the grapefruit is eaten hours before taking certain medications.

    Adverse effects include sudden death, acute kidney failure, respiratory failure, gastrointestinal bleeding, bone marrow suppression in ill people, and other serious side effects.

    There are more than 85 drugs that may interact with grapefruit, and 43 can have serious side effects. Other citrus fruits such as Seville oranges, often used in marmalade, limes and pomelos also contain the active ingredients (furanocoumarins) that interact with grapefruit.

    The best advice is to discuss all your medications with your doctor and pharmacist and ask about interactions with grapefruit.

    © American Institute for Preventive Medicine

  • Use Antibiotics Wisely

    MEDICAL NEWS

    Image of mother with sick child in bed.

    Antibiotics do not fight infections caused by viruses such as colds, flu, most sore throats, bronchitis, and many sinus and ear infections. Instead, symptom relief might be the best treatment option for viral infections, advises the CDC.

    Get smart about when antibiotics are needed-to fight bacterial infections. When you use antibiotics appropriately, you do the best for your health, your family’s health, and the health of those around you.

    Know that antibiotics

    *  Will not cure a viral infection

    *  Will not keep other people from getting sick

    *  Will not help you or your child feel better

    *  May cause unnecessary and harmful side effects

    *  May contribute to antibiotic resistance, which is when bacteria are able to resist the effects of an antibiotic and continue to cause harm

    Rest, fluids, and over-the-counter products may be your or your child’s best treatment option against viral infections.

    © American Institute for Preventive Medicine