June 14, 2012

Patient’s Bill of Rights

Posted in LEGAL ISSUES tagged , , , , , , , , , , , , , , , at 11:20 pm by PCOSLady

PATIENT CARE ACT ~ PATIENT’S BILL OF RIGHTS ~ HEALTH REFORM ~ AFFORDABLE CARE ACT
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http://healthreform.gov/newsroom/new_patients_bill_of_rights.html
~ Health Reform … Patient Care Act, signed June 22, 2010… Fact sheet …
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Fact Sheet: The Affordable Care Act’s New Patient’s Bill of Rights
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June 22, 2010
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A major goal of the Affordable Care Act – the health insurance reform legislation President Obama signed into law on March 23 – is to put American consumers back in charge of their health coverage and care. Insurance companies often leave patients without coverage when they need it the most, causing them to put off needed care, compromising their health and driving up the cost of care when they get it. Too often, insurance companies put insurance company bureaucrats between you and your doctor. The Affordable Care Act cracks down on the some of the most egregious practices of the insurance industry while providing the stability and the flexibility that families and businesses need to make the choices that work best for them.
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Today, the Departments of Health and Human Services (HHS), Labor, and Treasury issued regulations to implement a new Patient’s Bill of Rights under the Affordable Care Act – which will help children (and eventually all Americans) with pre-existing conditions gain coverage and keep it, protect all Americans’ choice of doctors and end lifetime limits on the care consumers may receive. These new protections apply to nearly all health insurance plans.1
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How These New Rules Will Help You
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~ Stop insurance companies from limiting the care you need. For most plans starting on or after September 23, these rules stop insurance companies from imposing pre-existing condition exclusions on your children; prohibit insurers from rescinding or taking away your coverage based on an unintentional mistake on an application; ban insurers from setting lifetime limits on your coverage; and restrict their use of annual limits on coverage.
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~ Remove insurance company barriers between you and your doctor. For plans starting on or after September 23, these rules ensure that you can choose the primary care doctor or pediatrician you want from your plan’s provider network, and that you can see an OB-GYN without needing a referral. Insurance companies will not be able to require you to get prior approval before seeking emergency care at a hospital outside your plan’s network. These protections apply to health plans that are not grandfathered.
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Builds On Other Affordable Care Act Policies
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These new protections complement other parts of the Affordable Care Act including:
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~ Reviewing Insurers’ Premium Increases. HHS recently offered States $51 million in grant funding to strengthen review of insurance premiums. Annual premium hikes can put insurance out of reach of many working families and small employers. These grants are a down-payment that enable States to act now on reviewing, disclosing, and preventing unreasonable rate hikes. Already, a number of States, including California, New York, Maine, Pennsylvania and others are moving forward to improve their oversight and require more transparency of insurance companies’ requests to raise rates.
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~ Getting the Most from Your Premium Dollars. Beginning in January, the Affordable Care Act requires individual and small group insurers to spend at least 80% and large group insurers to spend at least 85% of your premium dollars on direct medical care and efforts to improve the quality of care you receive – and rebate you the difference if they fall short. This will limit spending on overhead and salaries and bonuses paid to insurance company executives and provide new transparency into how your dollars are spent. Insurers will be required to publicly disclose their rates on a new national consumer website – HealthCare.gov.
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Keeping Young Adults Covered. Starting September 23, children under 26 will be allowed to stay on their parent’s family policy, or be added to it. Group health plans that are grandfathered plans can limit this option to adult children that don’t have another offer of employment-based coverage. Many insurance companies and employers have agreed to implement this program early, to avoid a gap in coverage for new college graduates and other young adults.
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~ Providing Affordable Coverage to Americans without Insurance due to Pre-existing Conditions: Starting July 1, Americans locked out of the insurance market because of a pre-existing condition can begin enrolling in the Pre-existing Condition Insurance Plan (PCIP). This program offers insurance without medical underwriting to people who have been unable to get it because of a preexisting condition. It ends in 2014, when the ban on insurers refusing to cover adults with pre-existing conditions goes into effect and individuals will have affordable choices through Exchanges – the same choices as members of Congress.
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New Consumer Protections Starting As Early As This Fall
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The new Patient’s Bill of Rights regulations detail a set of protections that apply to health coverage starting on or after September 23, 2010, six months after the enactment of the Affordable Care Act. They are:
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~ No Pre-Existing Condition Exclusions for Children Under Age 19. Each year, thousands of children who were either born with or develop a costly medical condition are denied coverage by insurers. Research has shown that, compared to those with insurance, children who are uninsured are less likely to get critical preventive care including immunizations and well-baby checkups. That leaves them twice as likely to miss school and at much greater risk of hospitalization for avoidable conditions.
~ A Texas insurance company denied coverage for a baby born with a heart defect that required surgery. Friends and neighbors rallied around the family to raise the thousands of dollars needed to pay for the surgery and put pressure on the insurer to pay for the needed treatment. A week later the insurer backed off and covered the baby.2
~ The new regulations will prohibit insurance plans from denying coverage to children based on a pre-existing conditions. This ban includes both benefit limitations (e.g., an insurer or employer health plan refusing to pay for chemotherapy for a child with cancer because the child had the cancer before getting insurance) and outright coverage denials (e.g., when the insurer refuses to offer a policy to the family for the child because of the child’s pre-existing medical condition). These protections will apply to all types of insurance except for individual policies that are “grandfathered,” and will be extended to Americans of all ages starting in 2014.
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~ No Arbitrary Rescissions of Insurance Coverage. Right now, insurance companies are able to retroactively cancel your policy when you become sick, if you or your employer made an unintentional mistake on your paperwork.
~ In Los Angeles, a woman undergoing chemotherapy had her coverage cancelled by an insurer who insisted her cancer existed before she bought coverage. She faced more than $129,000 in medical bills and was forced to stop chemotherapy for several months after her insurance was rescinded.3
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Under the regulations, insurers and plans will be prohibited from rescinding coverage – for individuals or groups of people – except in cases involving fraud or an intentional misrepresentation of material facts. Insurers and plans seeking to rescind coverage must provide at least 30 days advance notice to give people time to appeal. There are no exceptions to this policy.
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~ No Lifetime Limits on Coverage. Millions of Americans who suffer from costly medical conditions are in danger of having their health insurance coverage vanish when the costs of their treatment hit lifetime limits set by their insurers and plans. These limits can cause the loss of coverage at the very moment when patients need it most. Over 100 million Americans have health coverage that imposes such lifetime limits.
~ A teenager was diagnosed with an aggressive form of leukemia requiring chemotherapy and a stay in the intensive care unit. He reached his family’s plan’s $1 million lifetime limit in less than a year. His parents had to turn to the public for help when the hospital informed them it needed either $600,000 in certified insurance or a $500,000 deposit to perform the bone marrow transplant he needed.4
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The regulation released today prohibits the use of lifetime limits in all health plans and insurance policies issued or renewed on or after September 23, 2010.
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~ Restricted Annual Dollar Limits on Coverage. Even more aggressive than lifetime limits are annual dollar limits on what an insurance company will pay for health care. Annual dollar limits are less common than lifetime limits, involving 8 percent of large employer plans, 14 percent of small employer plans, and 19 percent of individual market plans. But for people with medical costs that hit these limits, the consequences can be devastating.
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~ One study found that 10 percent of cancer patients reached a limit of what insurance would pay for treatment – and a quarter of families of cancer patients used up all or most of their savings on treatment.5
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The rules will phase out the use of annual dollar limits over the next three years until 2014 when the Affordable Care Act bans them for most plans. Plans issued or renewed beginning September 23, 2010, will be allowed to set annual limits no lower than $750,000. This minimum limit will be raised to $1.25 million beginning September 23, 2011, and to $2 million beginning on September 23, 2012. These limits apply to all employer plans and all new individual market plans. For plans issued or renewed beginning January 1, 2014, all annual dollar limits on coverage of essential health benefits will be prohibited
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Employers and insurers that want to delay complying with these rules will have to win permission from the Federal government by demonstrating that their current annual limits are necessary to prevent a significant loss of coverage or increase in premiums. Limited benefit insurance plans – which are often used by employers to provide benefits to part-time workers — are examples of insurers that might seek this kind of delay. These restricted annual dollar limits apply to all insurance plans except for individual market plans that are grandfathered.
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Protecting Your Choice of Doctors. Being able to choose and keep your doctor is a key principle of the Affordable Care Act, and one that is highly valued by Americans. People who have a regular primary care provider are more than twice as likely to receive recommended preventive care; are less likely to be hospitalized; are more satisfied with the health care system, and have lower costs. Yet, insurance companies don’t always make it easy to see the provider you choose. One survey found that three-fourths of OB-GYNs reported that patients needed to return to their primary care physicians for permission to get follow-up care.
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Read the complete Fact Sheet at the site…
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HealthReform.gov

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April 16, 2012

FYI – Medi Tid Bits

Posted in FYI BITS- MEDI tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , at 7:33 am by PCOSLady

KEEPING AN EYE ON ‘STUFF” FOR YOU!

FYI
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MEN
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92% of men cheat for emotional reasons… Many of those women have hormone imbalances… See separate post in FYI – Tid Bits…
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WOMEN
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http://health.yahoo.net/caring/are-you-about-to-have-a-heart-attack-7-heart-attack-signs-women-and-doctors-often-miss
~ Yahoo Health
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HEART:   Have a Cardiac CT Scan ~ 3D view of your heart, 98% accurate …

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CANCER
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5/1/2012 Rachel Ray show…
Quote from Ryan O’Neal “Cancer loves sugar, (Farrah) she was starving on the inside”…
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wwww.Mercola.com
~ Turmuric is king of spices, the pure turmuric powder… Not curry powder… It helps in preventing cancers …
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IMPORTANT: Keep your vitamin D level high to fight cancer!
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F.Y.I. ~ Cancer Centers of America create a treatment meant specifically for “YOU”!
~ I am serious, they truly care!
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COPD ~ Found out recently if it reaches the 4th Phase you run the risk of lung cancer… In order to ward lung cancer off be sure your selenium level is at the proper level or abit above…
~ To much can be toxic!
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POO – STOOL – #2
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PCOS Lady:
Your body passes all bad stuff through your liver and out in your poo! Explains why we have to pay attention to it… Like it or not, looking could save your life!
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http://www.continence.org.au/pages/bristol-stool-chart.html
FORUM: http://www.continence.org.au/forum/
~ Continence Foundation of Australia … Bristol Stool Chart …
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CELLULITE
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A woman just read the book Deep Nutrition: Why Your Genes Need Traditional Food. She was fascinated to learn that the reason we get cellulite is due to a lack of collagen…
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SKIN, HAIR and NAILS
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You need Keratin and Collagen to keep them all in great conditions…
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MSG and Rosacea
http://www.msgtruth.org/rosacea.htm
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Morgellons and GMO Foods
~ Bacterium is effecting humans…
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YEAST
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Yeast will leach out of your body through yeast infections… Breakouts experienced under breasts, in the groin, repeated yeast infections, etc… Do a yeast cleanse every 3 years!
~ Every antibiotic leaves yeast behind that will grow in you!
~ Bras may turn an off white, yellow, blueish or black in colors…
~ “Fishy” smell from your panty area… (Yeast or an STD)
~ Smell “fishy” under breast = yeast infection! You will see wet to blue to black staining on bra under your breast…Most likely from antibiotics through life… Do a yeast cleanse from a health store… Yeast is leaching out of you…
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NAILS
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Your finger nails will clue you in to some medical conditions…
~ Pitted means a lack of keratin…
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HAIR
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Marian once heard Dr. Judy, a talk show host who gives love/sex advice, say that hormones can cause *pubic* hair to be straight. She didn’t say what hormones.
~ http://faqpcos.com/pcos-symptoms/curly-hair-2369772.html
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Hair loss can be from a vitamin deficiency… (Mercury poisoning, “bad” parasites, low testosterone levels, etc…)
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Tabitha – Tabitha Takes Over TV show – 1/3/2012
~ For stressed out and hormonal thinning …. Viviscal Supplement- extra strength… $50
~ For gray – dull and blondes … Aveablue Malva Shampoo
~ For brittle unhealthy … Joico K Pak Revitaluxe … $22
~ Daily you can take GLA – 800 mgto add fat
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Anemic Test: Look under your eye beneath your eye lid…
~ if red = good
~ if pink = anemic
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Apple Cider Vinegar Spray for Dandruff
Combine ½ C of apple cider vinegar and ½ c of water into a spray bottle. Spritz onto the scalp and wrap head with a towel. Wait 15-minutes and then wash. The acid in the vinegar will break down the bacteria that dandruff thrives on. Do this 3 days in a row and then do for twice a week.
~ PCOS Lady: Knowing this is an ongoing thing it means what causing it in in you! “Bad” parasites come to my mind… www.ParasiteTesting.com
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HYSTERECTOMY
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Do you know some women have PCOS and do not need a hysterectomy? All because the doctor never tested all her hormones, etc…
~ True there are cases where because of PCOS a hysterectomy is needed…
~ I asked about this years ago in a forum and a woman confirmed 1st hand! (story in my blogdrive blog)
~ Question your tests and options, be sure!
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METFORMIN:
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– Metformin is the generic for the brand name Glucophage…Per Bristol Myers Squibb!
– IF anyone gets headaches or nausea from Metformin, stop taking it! Your body is rejecting the Met, it’s telling you it can’t tolerate the ingredients… Your doctors are lying to you saying its just your body getting used to the Met! Add Met to your list of allergic drugs….
– Docs get $ kickbacks, plus they may have no clue about Met!
– You should ask/demand Glucophage XR then, try it for a week or a month… You should not experience any ill symptoms!
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DEPAKOTE
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The legal limit for Depakote in your body is 100… If over by 3 points you will experience passing out, minor stroke symptoms that progress to sever stroke symptoms…
~ Have your drug levels checked when you have your blood tests done once a year atleast!
~ Doctors miss it and deem you a mental case (tough getting anywhere then unless a person – advocate helps) or misdiagnose you!
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Valproate or divalproex (Depakote®), a drug used for epileptic seizures and some mood disorders, has been associated with a higher incidence of polycystic ovaries and hyperandrogenism.
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http://www.wdxcyber.com/dxinf001.htm
~ Women’s Health Resource ….
~ *Google: Depakote PCOS …. Depakote hyperandrogenism
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THYROID
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~ IF
~ You’ve had thyroid surgery…
~ You’ve had treatment with radioactive iodine or anti-thyroid medications…
~ You’ve had radiation therapy to your head, neck or upper chest…
~ You need to have your thyroid checked periodically…
~ Consider checking your pituitary gland as well…
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BREAST
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Rare type of breast cancer without a lump: There is a less common form of breast cancer called inflammatory breast cancer. Its symptoms can be an inflammation of the breast tissue, such as with a breast rash with redness and warmth, but not necessarily a physical breast lump. This type of breast cancer should be considered as an uncommon possibility for certain types of breast symptoms…
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http://www.breasthealthproject.com/breast-cysts.html

~ * Breast Health Project … FIBROCYSTIC BREASTS … LOOK and READ up on this…
~ “In holistic medicine and Chinese medicine theory, pain is caused by energy stagnation. People are always amazed at how easy it is to get the energy moving again. Movement in our breasts can effect a surprising amount of change.”
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PREGNANCY DEFECTS
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http://newyorkcity.injuryboard.com/medical-malpractice/us-docs-rarely-test-for-parasite-that-causes-miscarriage-premature-birth-and-congenital-birth-defects.aspx?googleid=300308
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Scientists have identified the strains of the Toxoplasma Gondii parasite most often associated with miscarry, premature birth and birth defects, but testing of pregnant women in the United States is rare.
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DIZZY
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Feeling dizzy, light headed is a lack of blood or oxygen to your brain… A pulse ox meter will measure the oxygen at those times…
http://www.pulseoximeter.org/
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DEPRESSION
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Niacin No-Flush 500mg for depression…
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CONSTIPATION
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Magnesium Citrate, oral solution … Pasteurized sparkling laxative… Lemon or Cherry flavors … Drink a couple ounces or a full 10 ozs… Depends on your need…
~ It comes in a prescription at same strength…
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MOUTH
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Dr Oz ~ August 22, 2013 Show
~ Per Dentist
~ 600 species of bacteria are in your mouth…
~ Gum inflammation can cause inflammation in other body areas…
~ Gum disease to heart disease is possible!
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Gum Disease and Other Systemic Diseases
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Osteoporosis
Researchers have suggested that a link between osteoporosis and bone loss in the jaw. Studies suggest that osteoporosis may lead to tooth loss because the density of the bone that supports the teeth may be decreased, which means the teeth no longer have a solid foundation.
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Respiratory Disease
Research has found that bacteria that grow in the oral cavity can be aspirated into the lungs to cause respiratory diseases such as pneumonia, especially in people with periodontal disease.
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Cancer
Researchers found that men with gum disease were 49% more likely to develop kidney cancer, 54% more likely to develop pancreatic cancer, and 30% more likely to develop blood cancers.
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Bacterial Endocarditis
Gum disease exists in about 75% of Americans, and many do not realize that risk factors associated with serious health concerns such as heart disease and stroke have been associated with gum disease. Researchers have found that people with gum disease are almost twice as likely to suffer from coronary artery disease. This type of heart disease occurs when plaques (deposits of fat, cholesterol, calcium and other material) form in the walls of the coronary arteries, causing the walls to become thicker. That essentially makes it harder for the blood to flow through, limiting the amount of oxygen and nutrients that are necessary for proper heart function.
~ Bacterial endocarditis is a dangerous infection that involves the lining of the heart and is commonly caused when bacteria enters the blood during medical procedures. During dental treatment, a common organism found in the mouth known as Streptococcus Viridan may enter the bloodstream and travel to the heart. This may cause infected blood clot formations that are able to travel to the brain, lungs, kidney, and spleen. Fifty percent of bacterial endocarditis cases are caused by Streptococcus Viridans.
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TESTS:
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HEART
Cardiac CT ~ 3D scan is 98% accurate
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SITES
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Oral Sex Smell of Bad Scent
http://www.diabeticconnect.com/discussions/10552-oral-sex-bad-scent-fungal-infections-and-metformin–delicate-embarrassing-question
~ Diabetic Connect by Alliance Health Community … Sick of having a smelly fungal rash under my breast. Even sicker about smelling fishy, I know that’s a sign of yeast infection but that …
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Gum Disease and Heart Disease – Cardiovascular Disease
http://dentistry.about.com/od/issuesandemergencies/a/heartdisease.htm
~ dentistry.about.com › Health › Dental Care › Dental Emergencies ‎… Jan 23, 2011 – Gum Disease and Oral Hygiene May Be Connected to Heart … Bacterial endocarditis is a dangerous infection that involves the lining of the heart …
~ Usually requires heart surgery, not sure if the open way…
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GOOGLE:
gum disease heart disease
bacterial endocarditis

More to come as i find interesting points…

March 26, 2012

Christie, PCOS Lady

Posted in MY JOURNEY of SORTS tagged , , , , , , , , , , , , , , , , , , , , , , , at 2:04 am by PCOSLady


“Welcome” to my PCOS blog…

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I’m Christie, the PCOS Lady…
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My personal PCOS crusade is taking on an extensive journey for all of “YOU” to learn from!
I feel it’s important to post all i can relating to PCOS… We all know the frustrations we
are faced with when diagnosed with PCOS… Not being properly diagnosed is another issue…
Many other conditions are covered… Lifestyle changes i touch on…
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PCOS blogs are out there… I feel many cover the same things… We all have our stories, experiences, treatments, etc… making up our PCOS Journey!
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Being a unique person, i have created my blog(s) in a unique way… I can be seen all over the net passing the PCOS word around!
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~ Read through all my postings:
~ … *My PCOS Symptoms List is extensive…
~ … *Celiac Disease Symptoms are overlapping numerous medical conditions…
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~ In General:
~ … FYI my original blog in 2011 had 1002 medical sites attached to it… Mayo Clinic was one, i have the the list… I was highly flattered when i saw the list!
~ … You will be well informed… Truth, honesty and the right to know drives me…
~ … I love research, 1st hand experiences, the internet, forums, blogs, groups…
~ … Doctors and medical personnel, most are lacking the truths and knowledge on many medical issues… PCOS especially, hmm!
~ … My wish: Same page(symptoms) on PCOS for all the medical world!
~ … Cause we know treatments are a “hit & miss” with each woman… No one thing works for all!
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~ “Me”
~ … “I hate it when good people are done wrong!”
~ … As an Advocate, i have proven some medical professionals wrong and have gotten diagnosis corrected on friends of mine… I have experienced alot!
~ … Malpractice is happening around you! Be aware…
~ … Western medicine, i have been losing confidence in it over the years… Today i consider all the options out there that fit my medical conditions and diagnosed ailments….
~ … I learned at 18 a doctor must keep up with the new medical things from Europe yearly… If they don’t, your doctor is stuck in “yesteryear” literally! *Seek second opinions!!
~ … I am posting scenarios slowly in my blogs…
~ … A doctor’s oath includes “First do no harm…”
Fact: The oath has changed three times over the years…
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My motto:
Know your symptoms…
Know your treatments and options…
and
YOU know your body!
YOU are in control of your body!
Knowledge is POWER!

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My hope is you are well informed, enlightened and educated on PCOS , etc… to get the diagnosis, treatments and can maintain your medical conditions for a happy healthy life!
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A “thank you” to the sites i use and list, blogs, words and pictures i have gathered and use in posts… Credits are through posting your links, etc…
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Christie
the PCOS Lady
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