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How Insurance Can Ease Your Financial Fears

How Insurance Can Ease Your Financial Fears

Most people suffer from some degree of financial stress about the future. When stress is not dealt with head on, individuals may turn to unhealthy behaviors to help cope with the stress. This can create health problems and additional causes of stress, while failing to mitigate the original problem. Instead of suppressing financial stress, taking steps to ease stresses may be more productive and helpful.

While purchasing insurance may add to monthly obligations, it may decrease overall financial stress by providing a safety net for future issues. The amount of relief from having future affairs in order can sometimes be surprisingly comforting.

Purchasing insurance can help to ease common financial fears about the future that may stem from issues such as:

  • Covering costs of medical emergencies
  • Covering regular medical and health maintenance costs
  • Funding retirement
  • Supporting the family following an accident

Mitigating Immediate Costs

In some cases, purchasing insurance like health and dental insurance can mitigate immediate costs. Individuals may believe that insurance will cost more than what they are paying out of pocket for medical check-ups, needed prescription, and dental care, but monthly insurance premiums may actually sometimes cost substantially less. A little research may help to determine whether insurance can save money immediately. Individuals may also be able to participate in preventative screenings that they would not have without insurance.

Preparing for Emergencies

Health insurance can provide some reassurance that future catastrophes will be managed, but insurance such as cancer insurance, critical illness insurance, and accident insurance can provide even more relief. These types of insurance may be inexpensive when purchased in conjunction with health insurance and other policies through one insurance company. These types of insurance may also provide a larger degree of financial security if anything should happen.

Providing Future Family Support

Many people worry about leaving their families in crisis if they perish. Purchasing life insurance may help to ease these worries substantially, which can provide immense relief. Life insurance policies can be purchased for larger amounts than what is needed for final expenses so that the family’s daily needs can be taken care of for a time. If there are young children that may someday need money for college, insurance policies may be tailored to help meet these needs in the event of a fatal accident or illness.

Peace of Mind While Traveling

Traveling can be nerve wracking, even when there is excitement attached. Going overseas can present many unknown variables and new financial worries. Purchasing travel insurance can help provide peace of mind that finances will be taken care of if luggage is lost or stolen or if a medical emergency occurs. Travel insurance can help pay for travel fare home, medical care, and many other expenses. Having this type of reassurance can make trips more enjoyable and mitigate unnecessary expenses if anything should happen.

What Your Feet Can Tell You about Your Health

What Your Feet Can Tell You about Your Health

Your feet are your foundation, the part of you that comes into contact with the world most often. Foot health is a critical part of overall health, but many people go through the day with foot pain and problems, never considering how these issues relate to overall health. Your feet hold a quarter of the bones in your body and connect to many vital parts of you. For these reasons, your feet can both impact your overall health and display symptoms when something is amiss elsewhere in your body.

Callused or Sore Feet

Callused or sore feet are a sign that you are not taking good care of your feet. If you work at a job where you are on your feet a lot, it is natural to experience some discomfort. However, regularly soaking your feet, filing rough spots, and keeping your toenails clean and trimmed should help to alleviate discomfort. If your feet are still painful, it may be a sign of larger issues that should be addressed by a medical professional.

Indentations in the Toenails

Spoon shaped indentations in your toenails can be a sign of anemia. The nail bed is often pale and the feet may be cold, as well, due to the poor oxygen circulation. If you notice indentations in your toenails, you should see a doctor. A doctor may be able to help you overcome your iron deficiency with supplements or changes in diet.

Sores That Won’t Heal

If there are sores, cuts, or other abrasions on your feet that won’t heal, it may be a sign of diabetes. Diabetes can cause damage to the nerves and tissues of the feet, affecting healing abilities. The nerve damage also affects the feeling in the feet, so abrasions may not feel painful. A doctor will be able to test your sugar levels and make recommendations for care based on your specific needs, which may help to restore healing functions and circulation to the feet.

Swollen Toes or Joints

Swelling in the toes, especially the big toe, may be a sign of gout, also called gouty arthritis. Swelling in the toe joints may be a sign of rheumatoid arthritis. Redness, stiffness, and pain often accompany these signs. A doctor may be able to provide advice about dietary and lifestyle changes or treatments that may ease the pain and swelling.

Recurring Cramps in the Feet

Cramps in the feet may be a sign of dehydration or malnutrition. Magnesium, calcium, and potassium are all vital for proper muscle function and may cause your feet to cramp up if you do not get enough. Charley horses in the legs may accompany foot cramps. Soaking your feet regularly and eating a balanced diet may help to prevent recurring cramps. If cramps do not go away, a blood test may help to determine the cause of foot cramps.

Be sure to mention even the most minor foot issues to your doctor when receiving a check-up. Your doctor may be able to help you easily overcome issues and help you get back on track to better health. In most cases, your doctor can assist with these issues as part of preventative care, which is covered by your health insurance.

Vein Stripping vs. Endovenous Radiofrequency Ablation: Then vs. Now

Vein Stripping vs. Endovenous Radiofrequency Ablation: Then vs. Now

By Dr. Jonathan Calure, President & Surgical Director of Maryland Vein Professionals

For decades, vein stripping was the recommended procedure for treating varicose veins. Today, minimally invasive procedures such as Endovenous Radiofrequency Ablation (RFA) have become the preferred treatment modality. This article briefly describes both procedures.

Radiofrequency Ablation

Radiofrequency ablation is a minimally-invasive procedure that uses radiofrequency (RF) energy to provide an even, uniform heat to contract collagen in the vein walls. This causes them to to collapse and seal, redirecting blood flow to healthy veins.

This procedure is performed as an outpatient treatment using local anesthesia. In comparison to older techniques like vein stripping, this procedure results in less pain, minimal or no scarring, and minor bruising. Patients can return to work the same day, as well as resuming other normal activities and light exercise. The procedure is covered by most insurance plans, including Medicare.

In a large international, multi-center study published in December 2012, 99% of participants were free of pathological venous reflux after one year. After five years, 95% were reflux-free.

Vein Stripping

Once a common technique that was popular in the 1980s and 1990s, vein
stripping typically required the removal of the great saphenous vein (GSV). Performed in the hospital under general anesthesia, the surgeon would pass a stripping cable through the GSV from an incision in the patient’s ankle to the groin, where it was secured to the open end of the vein.

Next, the surgeon would pull the cable out through the ankle incision, bringing the vein with it. In some cases, surface veins would also be removed, requiring multiple incisions and scarring. Operating times for vein stripping could be one to two hours. Many patients reported a 1-2 week recovery time with post-operative pain, limited activity, and missed days from work.

 

Dr. Calure was one of the first surgeons on the East Coast to have a practice exclusively dedicated to minimally-invasive vein care. He has performed 23,000 successful RFA treatments and his practice has been recognized as a Center of Excellence for Minimally Invasive Vein Care.