Bad past health habits?

Much of the talk about health care reform centers around preventive visits to detect significant health problems earlier. Most health insurance policies have some preventive care coverage. I'm not a doctor, but I have learned that I can get my lab tests done inexpensively at the lab my insurance uses and these tests are substantially discounted. Most lab results come with comments on how the results compare with "norms". For example my cholesterol was 224. Well within normal requirements, and the breakdown of HDL to LDL was also revealed. However my triglycerides were at 200 vs 150 for "normal". A quick check on the Internet revealed that 200 was quite OK for my age, but to lower triglycerides, I should exercise more, adjust diet to reduce fat and cholesterol and lose a few pounds. Total cost - less than $35. So what about youthful discretion's? What impact would these have - read on.

Some insurance may not be needed !

By definition, insurance is the exchange of money with an insurance company for the insurance company accepting financial risk. The litmus test is whether or not the cost of the insurance is worth the exchange of risk. Buying health insurance to avoid the cost of an office visit, probably doesn't pass this test. Buying health insurance to avoid the medical costs associated with a critical illness, such as cancer is definately worth the cost. What about other insurance? Perhaps there are savings by reviewing other insurance coverages. Check this article out - 10 Insurance policies not worth the money.

Too much medical care?

An interesting article about too much medical care, especially in the end stages of life. Life is highly regarded by most Americans. How much medical care is too much? In times of low stress is the time to set boundaries on care for in times of high stress, decisions are difficult. Will that last batch of chemotherapy work? What if it makes things worse? An interesting read.

Transparency in health care

Do you know much a lab test costs for cholesterol levels? Any idea how much a knee replacement would cost? Or even an office visit with your regular doctor? Transparency in health care is the movement to make the actual cost of the medical process transparent to the user. Ideally one could shop area hospitals by cost and reputation and success rates for knee replacements or other medical procedures. Same goes for doctors. Want an idea what a sports physical would cost or other service provided by your doctor? Transparency would require medical professionals to post a list of services and costs for those services. Sounds reasonable doesn't it? You wouldn't purchase a house without knowing the mortgage payment would you? More on transparency in health care.