Who Needs Health Care? Let Your Food Be Your Doctor

Despite the endless debates surrounding health care in America the fact still remains that the health care system in the United States is the most expensive in the world. Our citizenry pays far more per person for health care than any other nation on the planet. Sadly however, in comparison to all other developed countries, the U.S. ranks dead last in terms of the quality of health care according to a 2008 Commonwealth Fund Report. No doubt the health care debate will continue to be a source of turmoil and bad blood into the distant future and in this writer’s opinion, a colossal waste of time.

Let Your Food Be Your Doctor

“I submit that scientists have not yet explored the hidden possibilities of the innumerable seeds, leaves, and fruits for giving the fullest possible nutrition to mankind.” — Mahatma Gandhi

“If doctors, with all their knowledge of the human body would merely become familiar with the principles of health and the simple Natural Laws that God established, and share them, they would be performing the greatest humanitarian service to mankind the world has ever known.” — Dr. George H. Malkmus

If you are still ignorant concerning the health benefits of whole, living, plant based foods it can only be that you have steadfastly refused to listen and learn, or you simply couldn’t care less about the issue. The last half century or so of nutritional research has conclusively proven that whole fresh plant foods have miraculous healing power. If however, you still stubbornly insist that this is not the case, then I challenge you to produce any true science that supports your greasy, high fat and cholesterol diet of meat, dairy, sugar, salt, refined carbs, artificial color and flavor additives, and preservatives.

All non-biased research conclusively proves that the above referred to diet which is for all intents and purposes – THE AMERICAN DIET – is the main contributor to our country’s tremendously high rates of heart disease, cancer, diabetes, obesity, arthritis, osteoporosis and many other grave infirmities. A plant based diet on the other hand has been shown to promote weight loss (good news for the fattest nation on earth), healing, anti-aging, and the restoration of youthful vitality.

It is quite sad, as well as quite remarkable that the wealthiest, most advanced civilization on the planet should be the most backwards when it comes to all aspects of the optimum diet for humans. Our affluent nation can choose to eat anything we desire, and moreover, anything we choose to eat is by and large readily available for purchase 24 hours a day, 7 days a week. How is it then that we as a society continue to make the exact wrong food choices 24 hours a day, 7 days a week?

Despite all the evidence, we continue the unhealthy practice of eating our innocent animal friends and their by products and we continue to make the food industry and the medical establishment rich by our prolonged slavery to processed and refined food. The blood of multiplied billions of tortured animals cannot be washed off of our hands and the wage we receive for this mindless brutality is a national health care bill that is literally crippling our society.

Your Body Is Desperate For Fiber And Nutrition

Plant based foods are loaded with fiber, vitamins, and antioxidants, while your animal based diet is completely void of fiber, antioxidants, and the majority of the most essential vitamins. Fiber is necessary for optimum digestive health, lower cholesterol, and a reduced risk of heart disease and cancer. Fiber fills you up yet contains no fat, therefore it promotes healthy and rapid weight loss.

Nutritional research is unanimous in their conclusions that people who consume the most high fiber, plant based, antioxidant rich foods are the healthiest. As a matter of fact you absolutely cannot make any substantial case for your diet being healthy unless it is predominantly high fiber and plant based. If however, you continue to stubbornly reject these scientific nutritional facts, you will with statistical certainty more than likely find yourself among the overwhelming number of Americans who will sooner than later be diagnosed with heart disease, cancer, diabetes, or a host of other infirmities that continually cause a rise in our nation’s already high rate of diet related premature death.

It is possible that a premature and violent death does not intimidate you, but while you are living your vanity prompts your desire to look your best at all times. If this is the case with you than a plant based diet is still your best nutritional choice. You can and will experience effortless weight loss, reduced signs of aging, and youthful vital energy by simply cutting animal products, and refined foods from your diet and opting instead for whole, fresh, hopefully organic plant foods. Moreover, you can significantly increase anti aging and optimum nutrition if a reasonable percentage of your plant based diet is eaten raw.

If you, dear reader, have the desire to live a long healthy life and die peacefully in your sleep at a ripe old age, I assure you that it is imperative that you make a radical change in your eating habits. You are never to young nor to old to make positive changes in your diet. Your health is truly in your own hands and the best place to start is with informed, healthy food choices.

Why not make a crucial change in your lifestyle and take control of your own health in the coming year? You don’t have to do it all at once and any positive choices you make will go a long way. Try incorporating a little more exercise into your daily routine even if it just means walking the few blocks to the market instead of driving. Drink more water and less soda pop. Get a little more fresh air and sunshine instead of watching re-runs of day time television. Begin to make the switch to predominately plant based foods and watch your body fat and excess pounds disappear as well as fine lines and wrinkles associated with your highly acidic diet. Enjoy a new found store of energy, happiness and well being. Your health is certainly in your own hands so why not make the choice to live disease free.

Who needs health care? Let your food be your doctor!

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Senior Health Care Insurance

Health Insurance For Seniors On The Net

When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet.

He reported back to me about a week later, in desperation: “I am giving up, I am too confused.” He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his mother.

In this world of technology, the family unit is often living in different geographical areas and the family members are usually quite involved with their own lives, careers, and families. In addition, when both parents are alive, often one or both parents are quite independent and do not require a lot of assistance. As time goes on things, of course, change, and sometimes change very suddenly. There can be a crisis, with regard to the health care needs of one or both aging parents.

With our baby boomers facing this problem in ever increasing numbers, and with the information highway in full bloom, there is a definite need for planning.

Protecting your parent’s assets and health is a huge and daunting undertaking, which requires a tremendous amount of education and practical application. Our seniors face many diverse responsibilities upon reaching age 65. To name just a few: Estate planning, taxation, Medicare, social security, wills, insurance, and various other legal and financial matters. All of these different areas require expertise from accountants, lawyers, estate planners, insurance agents, home brokers, financial advisors, and others.

The Internet is a good starting point for most people to find resources for questions and solutions for your problems. There is, however, no replacement for good solid intelligent advice from an expert.

Twenty years ago, insurance for elders was sold by “senior insurance specialists”, with just a handful of companies in each state. The programs were most often Medi-gap or Medicare supplemental policies, which covered the expenses not covered by Medicare, including hospital and doctor deductibles, durable medical devices, and non-approved Medicare costs. Ironically these specialists did not sell a lot of nursing care policies, even though Medicare paid a national average of less than 2% of these expenses. With the advent of “financial and estate planning” and more insurance companies entering this market, a more broad and diversified product line became available to agents, brokers, planners, and seniors.

Part of this new diversification was the “home health care plan”, sold by itself, and in conjunction with senior health insurance products. The appeal of the “home health care policy” was that a senior could stay at home and still receive medical and custodial benefits, allowing a person to recuperate in the comfort of their own home.

This was the answer to a huge problem. The last place an older person wanted to go was a “retirement home”, or “rest home”, or, God forbid, the “nursing home.” It appeared that seniors could now rely on this new innovation without worry of having to move out of their home environment in the event of a health problem.

As with most things,” if it is too good to be true”…. The home health care policy is no exception. The problem is, there is not enough coverage for a lengthy illness or recuperation time. The fact is, the new trend is toward an “all in one” type facility, allowing for a variety of levels of care all in one location. In other words a senior could start off with little or no health care concerns in an independent, less expensive area, and then go to an assisted living, or nursing care facility, all within the same compound.

A “nursing home” requires a nurse on the premises 24 hours per day, assisted living is just eight hours. The advantages to this are financial. The patient or senior is only charged according to the care level required during the time he or she is admitted to that facility. Another benefit is it alleviates a lot of planning because the care is delivered, as it is needed. The medical attention is available to all residents regardless of their current health.

Some people are offered a lifetime package, which covers their care for the rest of their life, regardless of their current age. It also allows for social outlets to an otherwise somewhat isolated group. On-line shopping services have become a huge business. It is definitely here to stay and many insurance policies are purchased from Internet quotes and on-line applications.

There are literally hundreds of thousands of insurance agents and brokers advertising on the Internet. Most of them will provide instant on-line quotes and even applications for the potential insured. I highly discourage a layperson to purchase insurance in this fashion. A little knowledge can be dangerous.

The federal government has mandated to all states through legislation, the standardized senior health insurance policy guidelines, which are governed and regulated by each state insurance department.

There are plans for almost every level of health. Some are designed and priced for a less than healthy individual. Others are for a person with minimal health concerns. . The whole concept of insurance is to provide protection for “unanticipated” sickness or injury, especially catastrophic expenses, which would devastate a person’s net worth. The more small expenses a person is willing or able to pay (self-insure), the lower the rate. I recommend this strategy when evaluating your insurance options.

Another consideration when reviewing various insurance plans is to look at the company itself. How long has the company been selling this type of insurance? Do they have a lot of complaints filed with the local department of insurance? Are the rates stable? Does it pay claims on time? Service? Most agents talk about the rating. These ratings are as follows: A+, A, A-, B+, B, B-, C+, C, C-, or “not rated”.

Do not be fooled by rating alone. It is good to have a high rating, but it is far better to have a company that has longevity, stability, innovation, service, and expertise. The problem is that some companies enter into a market and quickly leave without explanation. This does not give security to the policyholder.

The most important consideration should be a review of the profit/loss ratio for that product. This will establish stability, and longevity in the market. An insurance company with a moderate profit in a particular line of business will remain in that market. On the other hand, a company with losses will make changes and possibly even withdraw. This is information not normally available to Internet users.

Before entering into an insurance contract, the senior person, the family, and other advisors must be realistic, and a careful evaluation of the entire picture must be examined. The age, the health of the senior, the financial resources, the personality and attitude of the senior, and most importantly the desires of the senior, should all be considered.

Early planning is important, as qualification becomes increasingly more difficult as the applicant’s health declines. The senior health care market is complex. I will offer some words of advice to attempt to alleviate potential pitfalls.

*Choose a well-informed, seasoned, and service oriented agent or broker to assist your decision making process. The professional can offer invaluable information, but do not be afraid to ask a lot of questions and even get a second opinion.

*Do not wait until your parent or loved one is sick, or injured. Plan ahead and take the time needed to cover all the options.

*Choose an experienced insurance company. A Company that has been in the marketplace for a significant time and has maintained a balance of rates and benefits and sound risk selection with moderate rate increases over time is your best bet.

*The plan should be flexible, with a broad range of options and benefit selections to the insured. There should be no tricks, or complicated language for the coverage. An incredibly low rate is a red flag for trouble in the future.

*Do not rush or be rushed by an over aggressive sales person.

This policy will not be inexpensive and will need to be read and reviewed for a clear understanding of the contents. This is one advantage to the Internet. You are allowed to read indefinitely before you act.

A long-term care program, with or without insurance coverage, will only work if the senior has input into the care selection process. If there are any questions about the accreditation of a facility please call the “Continuing Care Accreditation Commission at 202-783-7286.

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