Exploring The Senior Health Situation in the United States

Senior health should be a concern to all of us because none of us can escape the effects of aging. The senior population is increasing steadily. Today there are around 50 million seniors in the United States. By 2036 there will be over 80 million. In 1940 someone at the age of 65 could plan on living another 14 years. Today a 65 year old can expect to live 20 more years. The point here is that senior health care has made it possible for the elderly to live longer. Although it is certainly wonderful that seniors are living longer lives, problems have arisen as it pertains to the financial burden it has created.

A recent study suggested that over 13 million seniors are financially unprepared for retirement. 9 out of 10 seniors rely on social security for support. It is believed that 50% of seniors have no private pension option and over 30% do not have savings sufficient enough to cover their needs. Those seniors having to file bankruptcy due to skyrocketing medical debt is on the rise. Today the majority of seniors depend on the medicare program for health coverage. This program is pertinent to senior health and without most seniors would have no senior health coverage at all.

However, the number of seniors on Medicare is increasing at an alarming rate. Less than a decade ago only 40 million seniors were receiving medicare. Today that number has risen to 48 million. This year has many concerned because the first of nearly 80 million baby boomers begin entering the senior class and many will enter the medicare ranks. This year with the arrival of the baby boomers it is estimated that medicare spending to preserve senior health will rise to 929 billion or 19% of the United States federal spending budget. At this rate, by the year 2030, medicare could be in big trouble.

Beyond the medical costs associated with senior health there are the problems seniors face with simply growing old. Medicare does not pay for all medical costs and therefore seniors must pay the remainder out of pocket or with supplemental insurance. As we grow older our bodies begin to fail us. We become more at risk for disease. It is no wonder that over 6 million seniors suffer from depression and only 10% will ever receive treatment. This effects senior health incredibly. Seniors are often afflicted with health concerns like osteoporosis, dementia, depression, diabetes, high blood pressure, cancer, heart disease and arthritis. Many have outlived their spouse, children and no longer have the social support system they once enjoyed. However, better senior health opportunities are out there.

It is important that seniors are encouraged to not give up on life. They need the social support system that is often lost in the shuffle because their children lead busy lives. Seniors need to stay proactive and engage in as many activities as possible to get the social support they need. It is also vital that seniors follow a proper diet and exercise. Seniors should exercise 3-5 times per week, 30 minutes per event. This is a very good for disease prevention. It will allow the senior to feel good about themselves and provide them with more energy and enthusiasm.

Seniors are living longer. Sure the cost of living longer is going to be enhanced, but seniors can still live happy in their twilight years. With exercise, diet, regular screenings, and a proper social support system in place they can be some of the best years of their lives.

Health Insurance Facts – Including 2010 Health Care Reform

Health Insurance Facts and Figures

It’s amazing to read about the fact companies pay their top CEOs millions of dollars per year but that more than 40 million Americans – and more than 8 million children – can’t afford health insurance and don’t get it through their small business employer.

The Affordable Care Act passed in 2010 aims to change this. Some of the new changes include that EVERYONE must have health insurance by 2014 or face penalties from the IRS. Small businesses will also receive large tax breaks and government stipends to help get their employees insured.

Here are some more interesting facts about health insurance:

Health care costs typically covered by insurance include doctor visits, hospital visits, surgery, advanced procedures, tests, home care, routine and advanced treatments and other services. Typically, the people who qualify for Medicare are those who are 65 years or older, as well as younger people with disabilities and people with permanent kidney failure. Medicaid is for people who are receiving federal government aid. It typically covers hospitalization, doctor’s visits and other types of services. Prescription drugs, chronic illnesses, uninsured patients, and longer life expectancy are adding to the rising cost of health care. Supplemental insurance covers treatments and services that regular health insurance doesn’t.

Worker’s compensation covers health care costs for illnesses and injuries that occurred because of a person’s employment.

Types of Plans:

-Fee-for-Service: Fee-for-service plans allow you to choose the hospital and doctor you want, but you have to pay a monthly premium fee.

-Health Maintenance Organizations: HMOs are prepaid health plans that require you to pay a co-payment when you visit a doctor. The plans concentrate on preventative care to keep costs down (the costs involved in treating someone with advanced illnesses are much higher).

-Health Savings Accounts: These savings accounts help pay down high deductibles. They often carry over from year to year.

-Point of Service Plans: These plans allow you to see doctors who aren’t inside your plan.

-Preferred Provider Organizations: Like HMOs, there is a small co-payment for visiting doctors inside your plan. Unlike HMOs, you can see doctors who are outside your plan, but you’ll have to pay more of the bill yourself.

-Self-Directed Health Plans: This is a PPO plan combined with a quarterly allowance that you can use for preventative health care. Like a health savings account, the money rolls over to the next year if you don’t use it.

Health insurance figures:

Millions of Americans are uninsured or under insured because of the soaring costs of health care. The U.S. paid almost $2.5 trillion in health care costs in 2008, and the average health care cost per American is $7,400 per year. Uninsured patients who also don’t pay their medical bills are driving up the cost of health care. Hospitals cover approximately $30 billion every year in unpaid medical bills. There are more than 40 million Americans who live without health insurance every year, and more than 8 million of them are children. Employers pay a premium of about $12,500 per year for insurance for a family of four. Economists predict that health care costs will rise to more than $3 trillion per year during the next decade.

People who wait to see a doctor even though they are ill or injured often end up facing higher medical bills. Preventable hospital visits can end up costing those people more than $3,000 on average.

Learn How to Achieve Permanent Belly Fat Weight Loss For Optimum Health

There’s no one simple method of belly fat weight loss. Rather, losing fat over your belly is only going to come from an overall system of total body health. Millions of people want to lose excess belly fat, yet this is the hardest fat on the body to lose. Belly fat is stubborn, and even the most intense abdominal exercises don’t always work to get rid of it. Doing hundreds of crunches a day will definitely help you strengthen your abdominal muscles, but the fat over your belly will probably stay put.

The fact that belly fat is so resistant to targeted reduction is frustrating. This type of fat is among the most dangerous for your body. Having excess belly fat can lead to all kinds of awful health complications, such as diabetes, cardiovascular disease and more. The more fat you have in this area, the more likely you are to develop health problems. Even an extra inch or two can make a big difference in your health prospects. So how can you get rid of it?

You need a total body diet system that speeds up your metabolism, while keeping your body stocked full of all the nutrients it needs to thrive. This type of diet doesn’t have to be from the starvation model. It can actually be quite fulfilling, and you never need to go hungry. By eating ample amounts of healthy foods at the right times of the day, you can significantly boost your metabolism and get rid of stubborn belly fat for good.

The Strip That Fat diet is one of the most effective methods of belly fat weight loss available today. It’s been created to promote overall body fat weight loss, which includes the abdominal area. There is no portion restriction on this diet, no pre-packaged foods, and no calorie counting. What you’ll learn from Strip That Fat is a total health system that will keep you lean, energetic, and always feeling your best.