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The Basics Of Health Care and Health Insurance Recommended By Specialists

Finding the right health insurance plan can be a stressful and complicated process. In this article, we’ll break down the different kinds of health insurance plans in a simple and easy to understand manner.

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Finding the right health insurance plan can be a stressful and complicated process. There are so many different varieties with different kinds of coverage and expenses. But health insurance is important and it’s something we all need. So it’s worth your time to explore your options and make sure you’re getting the right coverage. In this article, we’ll break down the different kinds of health insurance plans in a simple and easy to understand manner.

Health Maintenance Organization (HMO)

An HMO is the most common type of health insurance plan. With this plan, you are required to select a primary care physician (or PCP) and any visits to specialists outside of the provider require a referral from your PCP. It will cover almost all types of preventative care, but visits of a non-preventative nature will most likely require a copayment. This type of plan is ideal for any individual or family who likes to make regular visits to their PCP.

Preferred Provider Organization (PPO)

PPO’s are slightly more casual. You are not required to have a primary care physician, and similarly, you do not need a referral to see a specialist. But this means that you will have to pay a copayment for all non-preventative care, in addition to an annual deductible. This is an ideal plan for individuals or families who plan on visiting specialists regularly.

Exclusive Provider Organization (EPO)

With these plans, you have access to all providers and specialists, as long as they are within the designated EPO network. These kinds of plans are great for people that would rather not rely on a primary care provider and are similarly fine with only being able to visit providers and specialists within a specific network.

Point of Service plans (POS)

POS plans are essentially a combination of HMOs and PPOs. With POS plans you will most likely have to choose a primary care physician. But, you’ll still be free to visit some providers outside of the designated network as long as you’re willing to pay slightly more out of pocket. This kind of plan can be beneficial for someone that wants to have some flexibility with their choices.

High Deductible Health Plan (HDHP)

These plans can take all kinds of forms and at different times look like any of the other plans listed before it. As stated in the name, these plans involved high deductibles, but are preferred to some as they have low monthly premiums. So if you don’t plan on visiting a provider all that often, this could be a good plan for you.

So there you have it. Those are all the different kinds of health insurance plans available today. I hope this was helpful to you and if you have any further questions you should contact a health professional.

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Yoga: The Ultimate Solution to Chronic Pain

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A recent study found that patients with chronic disease and depression found a sort of release upon trying a mindful-based stress reduction course. The study proved that there was a considerable improvement in the participants’ mood, functional capacity, and perceptions of pain upon participating in the activity. According to the Journal of the American Osteopathic Association, it was found that 89% of the study’s respondents claimed that the program helped them in various ways. Despite having 11% of the participants remaining neutral, most of them agreed that the activity allowed them to better cope with the pain. Chronic pain may be common, but this ailment is considered one of the most severe medical conditions out there. The medical condition is believed to have affected over 100 million people in the United States and correlates to an annual cost of $635 billion.

The Effects of Chronic Pain

A small-scale study was conducted in a semi-rural population in Oregon, wherein issues about affordability, addiction, and access to care are abundant. During eight weeks, the participants were instructed to try a mindfulness meditation followed by a mindful hatha yoga exercise. According to Cynthia Marske, an osteopathic physician, and director of graduate medical education at the Community Health Clinics of Benton and Linn Counties, she claims that numerous people have lost hope because of the possibility of chronic not being fully resolved. However, she believes that mindful yoga and meditation can help the body’s structure and function and cater to the healing process. 

The Difference Between Healing and Curing

According to Dr. Marske, he claims that healing is becoming whole again, while curing is the point of eliminating the disease. He believes that yoga and meditation can help make things manageable during the chronic pain healing process. A study conducted found that mindful meditation and yoga led to notable improvements in a person’s perspective on pain, disability, and depression. In the Patient Health Questionnaire, also known as PHQ-9, it was found that the scores of the standard measure of depression dropped by 3.7 points on a 27-point scale. Dr. Marske concluded that some patients often experience a similar drop from the use of anti-depressants. 

Depression and Chronic Pain

Dr. Marske claims that depression and chronic pain go hand in hand. However, he believes that mindfulness-based meditation and yoga can, indeed, restore a patient’s physical and mental health. He believes that both of these combined are effective alone or infused with other medication and therapy treatments. Participants also received instructions from MBSR, a systematic educational program that trains people to raise awareness of the self in the present time and a nonjudgmental manner. The results support other claims on how MBSR can help treat chronic pain while healing from perceived depression. Dr. Marske says that the bottom line is that patients are looking for new ways to endure chronic pain and effective non-pharmaceutical remedies available. However, he firmly believes that yoga and meditation are the go-to plans for patients searching for relief from chronic pain.

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Tabitha Brown and Other Black Personalities Focus On Joy Despite Crisis

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Happiness is an essential aspect of survival. For many Black influencers, promoting positivity among fans and followers, mainly during crises, is a must—that so-called reminder that there is still light at the end of the darkest tunnel.

Amid the ill effects of the present COVID-19 pandemic and the ensuing debates regarding equality and racism, numerous Black celebrities and creators are offering the community a chance to laugh, reconnect, and heal. Tabitha Brown delights her audience with cooking expertise; Kerry Washington showcases yoga as a calming and reflective activity, and Rickey Thompson entrances followers with his dancing moves.

Brown and Her Cooking

The vegan actress provides both her Instagram and TikTok fans with motivational clips. She combines her southern cooking with inspirational narratives. She guides her millions of followers as she demonstrates how to cook a variety of dishes as she simultaneously calms her audience with her trademark expressions, including “’cause that’s our business” and “like so, like that.”

After her 2-year battle with chronic fatigue and pain, the actress turned to the web, posting motivational videos for fans. “I want to help people,” Brown shares in a recent interview. “I think my content has a responsibility to bring light every day, whether it’s in laughter, whether it’s in inspiration, whether it’s through food,” she adds.

Thompson and His Dancing Moves

Like Brown, Thompson has millions of followers on social media. He dazzles his fans with various dance clips coupled with relatable rants regarding relevant issues. His videos are bursts of color and gaiety, encouraging everyone to believe that things will soon be okay.

He shares that, after the terrible losses that he and his family encountered, he realized that he could use his voice to influence others. Nowadays, he provides his fans with comic relief through dancing, walking, and self-expression. “As a Black person, our whole journey is trying to keep all our emotions within because we’re supposed to be strong, we’re supposed to be these tough people,” Thompson explains. “But we’re also human… What’s important is letting other people know you’re not in this alone,” he continues.

Staying Positive amid Problems

Despite the current difficulties encountered by various Black and colored communities in the country, it is highly important to remain calm and steady. Laughter helps relieve the accumulated stress and pain brought on by the pandemic and increased racism, while motivational talks provide positive guidance on how to make the best of the situation.

Numerous Black influencers and personalities offer various stress relief options online, encouraging others in the community to hold on to each other, although virtually, as we all await the eventual cure to this present pandemic. “So that even if it’s for one minute, it’s an escape for whatever they have going on in life. They can laugh a little bit or cry if they need to, but they just feel like they have somebody at that moment,” Brown asserts.

Indeed, we may all be grappling with various issues at the moment, but hope must spring eternal as survival can only be possible for those who remain steadfast, strong, and happy.

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Lady Gaga, Ray Dalio, and Oprah Swear That TM, a Meditation and Yoga Derivative. Works for Them

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Mental health is a major aspect of our well-being. It affects everything else, from decision-making to stress management. Meditation and yoga are key techniques in maintaining excellent mental health. However, there’s a trending derivative that’s currently making the rounds among celebrities—Transcendental Meditation (TM).

Personalities at Twitter, including Square CEO Jack Dorsey and Beyonce swear that this new technique works as it helps them improve creativity, control stress, and boost energy levels.

During Oprah Winfrey’s “2020 Vision Your Life in Focus Tour” conducted at Fort Lauderdale, Florida on Saturday, Winfrey and Stefani Germanotta aka Lady Gaga discussed their love for TM and its corresponding benefits in their lives. These celebrities, including Bridgewater Associates founder Ray Dalio, share that they learned TM from their teacher, Bob Roth, CEO of The David Lynch Foundation.

What is Transcendental Meditation?

Transcendental Meditation or TM is an exclusive practice. Its followers—or would-be followers—are taught by certified instructors through a 4-day course that’s made available for $380 to $960, depending on the student’s level of advancement.

According to Roth, TM is a simple meditation technique that requires you to sit for 20 minutes twice a day while uttering a repeated mantra. In his 2014 YouTube video, Roth adds that TM differs from other meditation techniques because it “allows the active thinking mind to just, all of it to just settle down, and experience quieter levels of thought” as compared to other techniques that prompt you to focus on your breathing or observe your thoughts.

More Important Than Work

Winfrey, in her 2018 Super Soul Conversations interview with Amy Schumer, asserts that TM is “one of the most life-enhancing things [she] ever did”. After the said TM experience, Winfrey shared in her 2011 interview with “The Dr. Oz Show” that she hired a TM coach to teach her Harpos Studios production crew how to meditate.

She says that her staff would, then, take a couple of breaks each day as the practice of meditation is “more important than the work you are doing. [TM] brings a kind of energy and an intensity of energy, an intention that we have never had before.”

Reason for Success

In his 2018 Facebook post, Dalio attests that TM is possibly “the single most important reason for whatever success [he’s] had.” Dalio, 70, shares that he first came across TM during his early 20s. In his book entitled “Principles”, he says that TM “has enhanced my open-mindedness, higher-level perspective, equanimity and creativity. It helps slow things down so that I can act calmly, even in the face of chaos, just like a ninja in a street fight.”

Dalio asserts recommends those who are curious about the positive effects of transcendental meditation to get a copy of Roth’s 2018 meditation book, “Strength in Stillness: The Power of Transcendental Meditation.”

End Thoughts

Meditation and yoga have long been used to correct certain mental health issues. Recent studies report that transcendental meditation, a newer derivative of these techniques, poses possible health benefits. In a 2009 research, experts discovered that young individuals who practiced TM for 3 months displayed lower levels of anxiety, anger, depression, hostility, and even blood pressure.

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