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HealthDay - TUESDAY, July 15 (HealthDay News) -- More than one-third ofelderly patients pure caffeine Medicare take a companion with them for routinemedical visits.

Most of the time it's a lady shopping for the Health Insurance, in families it's Mom, in companies it's payroll/book-keeper (also sometimes Mom in small companies). The guys just say 'I never use it', and leave the room.

The primary concerns are usually Office Visits, Rx (Prescription Drugs) and Hospital stays. Since ladies are usually looking more closely, we often find Maternity in the list of concerns, when the guys stay in the room, sometimes we are asked about Chiropractic. This is not ALWAYS the case, just the usual mix of concerns. You should definitely read the summary of benefits BEFORE using my comparison method. Both plans should be acceptable to you, you just want to know which makes sense financially.

Having been in thousands of discussions about Health Insurance I have found a simple way to compare High Deductible plans that cost less monthly, to Low Deductible Plans that cost a lot of money monthly. It is basically this:

• Add up the annual cost of the High Deductible plan, say $100 per month times 12 = $1200 per year.
• Add up the annual cost of the Low Deductible plan, say $300 per month times 12 = $3600 per year.
• Subtract the smaller: $3600 minus $1200 = $2400, that is the yearly savings if you choose a High Deductible Plan.

Now, you don't use the deductible to compare, but a feature of PPOs called "Maximum out of Pocket" or "Stop Loss". That is your worst case scenario, everyone is sick, or everyone is injured and you all meet your deductible and co insurance up to that number, say $10,000 for a family.

At that rate, saving $2400 per year, you would have to go about 4 years to save the money you would need in a worst case scenario.

In my own case, family of 5, Los Angeles rates, a Low Deductible Plan is over $1000 per month, a high deductible plan is less than $300, we save over $8000 per year, and have been saving for over 12 years (we have an HSA, with a $3400 deductible, $10,000 max out for the family).

Many newer High Deductible plans like TONIK, from Anthem Blue Cross ,include Preventative, Dental and Vision benefits, which are more likely to be used than major medical. We all need a teeth cleaning, we don't all need a transplant, so those plans make sense to many people, and are extremely popular.

My comparison system still works, you simply add the cost of buying separate Dental and Vision to the cost of the plan without them, that really makes the newer plan including those benefits desirable, if you would use those extra benefits.

It's a simple rule really, and can be applied to other benefits, like Glasses on a Vision plan:

• Vision coverage is $3 per person per month, with Lenses and Glasses covered it's $10.
• You have 10 in your group, so that is $100 per month, $1200 per year.
• Only two wear glasses, everyone else just needs the exam.
• You only need exams for most, so that's $3 per month times 10, $30 = $360 per year.
• You simply buy new glasses every two years for the two who wear them, and save $840 per year.

Once again, the focus here is on financial aspects of insurance, not the benefits, which must be weighed separately, and could be called "Getting a good deal". This method can tell you if you are "Getting a good deal" financially, comparing benefits is another story. Which I intend to write soon!

Jeffrey Peterson is a Health Insurance Agent for California, Nevada and Utah

http://tonikrates.com

Reuters - Young sexually active people should get themselves tested annually for the infection chlamydia and again every time they change partner, the Health Protection Agency said on Tuesday.

The inevitable increase of cancer cases in the world today is mainly rooted buy bulk l arginine l pyroglutamate powder the advancement of technology and the industry. The different kinds of cancer suffered by some people include brain, lung, breast and colon cancers and these are often inflicted by pollution and some harsh chemicals from factory emission.

Cancer would also be suffered by those who have bad diets and who opt for unhealthy foods. Yet, it can be noted that these bad habits can be prevented so as to refrain from attracting the disease to inflict a person.

The good news is there are significant scientific researches showed that omega-3 fatty acids supplement produced positive results on cancer prevention and cures.

Bad fats cause cancer.

Noted as the substances that encourage abnormalities in the cell division, the bad fats are the ones which often lead to some fatal disease of the heart, diabetes. The bad fats are also the substances body accumulate and give away poisonous free radicals. These free radicals cause damage and cancer when the natural defenses of the body get overwhelmed.

Fish oil as good inhibitor of cancer.

Prevention of cancer is very difficult especially when the products available in the market today are filled with so many carcinogens. However, it was found that the fish oil which contains long chain omega-3 fatty acids is a good nutrient in the blood which can prevent a person from suffering cancer. A lot of cancer patients were found to have poor nutritional level of the omega-3.

In one research study of 71 newly diagnosed, untreated cancer of esophageal, lung and pancreatic patients and 45 healthy subjects. Researchers measured and found that the levels of omega-3 fatty acids were reduced in pancreatic cancer and lung cancer, but not altered in esophageal cancer. Thus lung and pancreatic cancer patients would benefit from an omega-3 supplement to improve the omega-3 content of their blood.

In another study of 24 European countries, consumption of fish oil has shown to protect against the later promotional stages of colorectal cancer. Omega-3s were shown to decrease colon cancer at both the initiation and promotion stages in experiments with animals.

One of the most common types of cancer in North America is skin cancer. Research studies have shown Omega-3 fatty acids from fish have a protective effect on the skin; fish oil benefits the skin by producing prostaglandins that are anti-inflammatory, acting to reduce inflammatory components induced from ultraviolet light exposure.

Omega-3 fatty acids from fish oil on animal studies have demonstrated positive results to slow the growth of cancer; increase the efficacy of chemotherapy and reduce the side effects of chemotherapy or of the cancer. Fish oil works on suppressing the proliferation (rapid growth) of cancer cells; allowing cancer cells to die; and reducing cancer-induced cachexia (extreme loss of weight and muscle mass).

Fish oils are also widely recognized for many other health benefits for both children and adults to improve brain function, mental illness, learning and behavior disorder, heart function and more.

Author's other sites - Fish Oil for Weight Loss, Pharmaceutical Grade Fish Oil.