Health Family Insurance

How to Choose Health Insurance for Your Family

The leading cause of bankruptcy in the United States is medical debt. Having the appropriate health insurance coverage is a necessity. It’s not just a hospital stay that can wipe out your savings, but medical bills that come from Offline or Online Doctor’s visits or screenings. But, the task of cutting through all the confusing language and options in front of you can cause you to delay making a decision. Read these tips on how to choose health insurance for your family and stop procrastinating.

Determine your Options

Insurance plans are usually one of three types: health maintenance organizations (HMOs), preferred provider options (PPOs), or point of service type plans. Quite simply put, this means that you will receive your medical care and treatment form a network of physicians and providers that participate with the plan you are considering.

Check the list of approved providers to find out if your family doctor is part of the network. If you have been a patient of a certain doctor for a long period of time and want to stay with him or her, you may have to choose a different option. If not, you can consider choosing another physician for you and your family.

Compare Costs

When comparing costs of health insurance, you need to consider the monthly premium, as well as any cost you will incur out of pocket.

  • Premiums can vary greatly among each insurance provider. If you are able to purchase your family’s health insurance through your employer, this is often the most economical choice. When you choose this option, premiums will be taken from your salary each payday.
  • Compare co-pay costs for office visits, prescription medications, emergency room visits and wellness checks. Read through to determine what your deductible amount is for each individual and the family as a whole. Deductibles are the portion of the medical bill that must be paid by you before insurance coverage takes effect.
  • Read through and compare the annual limits for health treatment of each plan. While the health care reform laws have eliminated coverage limits in most circumstances, but insurance carriers still have the ability to set limits on “non-essential” services.

 Assess your Family’s Needs

To avoid buying too much or too little health insurance for your family, it’s important to assess each individual’s medical needs. Thinking about anticipated needs will guide you when looking at plan specifics like deductibles and co-pays. Check the following list of factors to keep in mind when choosing health insurance for your family.

  • Chronic conditions and diseases. By law, health insurance companies cannot refuse coverage for pre-existing conditions, but it can impact your out of pocket costs with more frequent medical care.
  • Routine medications. Prescription drug coverage can vary greatly from plan to plan. Consider the coverage and costs for any routine medications you or a family member needs on a daily basis.
  • Must-haves. Take into account maternity coverage if you are starting or growing your family. If you already have children, look into factors such as dental and orthodontic services and how well they are covered. Vision and dental coverage are generally purchased separately, but still must be considered in the overall picture.
What is Acoustic Neuroma?

What is Acoustic Neuroma?

Acoustic Neuroma is also referred to as vestibular schwannoma. Acoustic Neuroma is a non-cancerous or a benign tumor that grows on the cranial-nerve that leads to the inner ear to the brain. The cranial nerve has two dissimilar parts; one part is charged with posting balance information from a person’s inner ear to the brain while the other transmits sound enabling one to hear.

The Acoustic Neuroma tumor is not very common and occurs very rarely. There are some studies that have been done and they indicate that Acoustic Neuroma occurs in only 20 people in every one million of the population. Acoustic Neuroma is much more widespread in women than in men. It is also more prevalent in adults who are between the ages of 40-60 years. It is not as common in children.

The Acoustic Neuroma normally develops slowly in over a number of years. They grow in size and in cases where they get very large, the growth puts pressure on the brain. The rate of the growth can in some instances be very slow. The tumor projects from the auditory canal into the cerebellopontine angle which is an area at the rear of the temporal bone. The tumor at this point is pear shaped and its’ minute end being inside the internal-auditory canal.

Big tumors may put pressure on the trigeminal nerve which is responsible for facial sensitivity. Crucial body functions that help in sustaining life are threatened when the tumor grows large. This is because the tumor now exerts pressure on the cerebellum and the brainstem.

Acoustic Neuroma tumors do not spread to other body parts. This means that they are not malignant. However, if left untreated the tumors can grow in a very aggressive manner and result permanent and severe damage to the brain tissue, ears and nerves. Balance problems and hearing loss may not be irreversible even after radiation or surgery has been done to treat the tumor. Hearing is normally not affected if the tumor is detected and treated early.

An Acoustic Neuroma growth is usually not life-threatening but in some cases, the symptoms might cause complications in the patients’ life. Some patients suffering from Acoustic Neuroma experience a ringing sound in their ears and dizziness. Others experience facial numbness, tingling or pain. Other common symptoms include; headaches, earache, fatigue and visual problems. These symptoms affect the quality of life of the patient.

Hydrocephalus is a rare but serious complication of Acoustic Neuroma. Hydrocephalus normally occurs when pressure is exerted on the brainstem. The brainstem is connected to the spinal cord and this condition results in the blockage of the flow of cerebrospinal fluids. These fluids flow between the brain and the spinal cord. If there is no flow of the cerebrospinal fluids, then delicate brain structures are compressed. This causes headaches and brain damage that can be fatal or permanent.

It is advisable to seek medical attention as early as possible even in cases where the tumor is small. The more the tumor gets, the more life threatening it becomes and if left untreated then it becomes fatal.