Your Choice for the Future / Prevention or Treatment

Options:

  • Seek long term health insurance
  • Seek medical assistance to TREAT the sickness
  • Prevent the Condition through Preventive Medicine.

By Mike Clark

The companies that sell long term health insurance have some important information regarding future health and future insurability. As you will note below, the conditions that they say will prevent you from obtaining insurance — or at least insurance at a reasonable cost — ARE THE VERY CONDITIONS WE WORK TO PREVENT.

Our philosophy at NBH Lifetime Health is that it is better to prevent diseases and disabilities than to seek help for them at some future time.

The following is excerpted from a Long Term Insurance Company:

“Health Risks That Cost Women Their Good Health Discounts.”

Here are some health conditions that insurers look for in women (and men).  They may not limit you now – but they potentially pose a greater risk you’ll need long-term care in the future.  A long-term care insurance professional can best tell you if you’ll be eligible for “good health’ discounts.”

-       Breast Cancer

-       Osteoporosis (Lower Bone Mass)

-       Overweight (compared to Recommended Height-Weight Tables)

-       Arthritis (Affected Joints, Taking Steroids, Limitations)

-       Adult Onset Diabetes

-       High Blood Pressure (Under Treatment)

-       Schleroderma

-       Taking Medications for Depression or Anxiety

-       History of Alcohol or Drug Dependency

-       Tobacco Use

THESE ARE ALL CONDITIONS THAT WE CAN HELP PREVENT/TREAT!

“Health Risks That Cost Men Their Good Health Discounts”

Here are some health conditions that insurers look for in men (and women).  They may not limit you now – but they potentially pose a greater risk you’ll need long-term care in the future.  A long-term care insurance professional can best tell you if you’ll be eligible for “good health’ discounts.

-       Prostate Cancer

-       Heart-Related Health / High Blood Pressure

-       Overweight (compared to Recommended Height-Weight Tables)

-       Tobacco Use

-       Arthritis (Affected Joints, Taking Steroids, Limitations)

-       Adult Onset Diabetes

-       Amyotrophic Lateral Sclerosis (Lou Gehrig’s disease)

-       Taking Medications for Depression or Anxiety

-       History of Alcohol or Drug Dependence

THESE ARE ALL CONDITIONS THAT WE CAN HELP PREVENT/TREAT!

TODAY YOU ARE HEALTHY, BUT 24-HOURS FROM NOW, THINGS CAN CHANGE

Here are some of the life-altering changes that can unexpectedly happen at any age.  They can cause the need for long-term care.  They can make it impossible for you to qualify for long-term care insurance protection.

  • Coronary Heart Disease (CHD) Every 26 seconds an American suffers a coronary event and each year about 700,000 will have a first attack.  CHD is the leading cause of permanent disability in the U.S. labor force.  About 22% of men and 49% of women will be disabled with hart failure.

Source:  American Heart Association, 2009 update.

  • Stroke. Each year, about 500,000 Americans suffer their first stroke. 28% are under age 65.  Stroke is the leading cause of serious, long-term disability and institutional care is (still) required by 20% at three months after onset.  Source:  American Heart Association:  2009 Fact Book
  • Osteoporosis. Often called a “silent disease” because bone loss occurs without symptoms, some 10 million Americans already have the disease and 34 million have low bone mass.  Eighty percent of those affected are women.  One in two women are one in four men over age 50 will have an osteoporosis-related fracture in their lifetime.  Six months after a hip fracture, only 15 of patients can walk across a room unaided.
    Source:  National Osteoporosis Foundation, January 2009
  • Diabetes. There are 20.8 million people in the U.S> who have diabetes and over 1.3 million new cases are diagnosed every year.  Over 500,000 of new causes are people age 40-to-59.  The risk of stroke is 2 to 4 times higher for people with diabetes.  Source;  American Diabetes Association, Statistical Update 2009
  • Parkinson’s Disease. One million Americans suffer from Parkinson’s Disease and each year 40,000 new cases are diagnosed.  It usually develops after the age of 65 but 15 percent of those diagnosed are under age 50.  Source;  Parkinson’s Disease Foundation, June 2009
  • Alzheimer’s Disease (AD). Every 72 seconds someone in America develops Alzheimer’s disease (AD); by mid-century someone will develop Alzheimer’s every 33 seconds.  An estimated 5.1 million American’s have Alzheimer’s with at least 200,000 younger than 65 with early-onset AD.  Nearly 500,000 new cases are diagnosed every year.  A person with AD will live an average of eight years and up to as many as 20 years from the onset of symptoms.  Source; Alzheimer’s Association Fact Sheet, 2009

THESE ARE ALL CONDITIONS THAT WE CAN HELP PREVENT/TREAT!

Mike Clark, Clinic Director

Are you feeling tired? Stressed out? You are not alone!

It is the holiday season and we are all supposed to be happy and full of energy. After all, we have a million things that we just must get done. We have shopping to do, gifts to buy, rooms to clean, parties to attend, trees to decorate and more and more.  During all of this we are supposed to smile, make sure everyone else is happy and be ready to do it all again the next day.

One way to boost your energy is to increase your intake of magnesium.  Unfortunately, eating a balanced diet doesn’t always provide the extra energy you need to counteract a slight deficiency of magnesium.

Magnesium is a mineral that is integral in more than 300 biochemical body reactions.  It even helps in breaking down glucose into energy, so your energy can fall if your magnesium level is low.

Magnesium deficiencies can cause the body to work harder because the heart rate is higher, requiring more oxygen to accomplish physical tasks than if the magnesium levels are sufficient. The recommended daily requirement of magnesium is about 300 milligrams for women and 350 milligrams for men.

An ample amount of this mineral combats stress and hypertension (high blood pressure) and boosts energy levels.

Magnesium also relieves muscle cramps, and helps prevent arrhythmia.

Everyone loses magnesium in the course of daily life, and everyone should supplement with magnesium.

Standard testing does not protect you against heart disease. Why should we be concerned about conventional testing and about our heart? How can we protect ourselves?

WARNING: THE FOLLOWING INFORMATION IS SCARY BUT ACCURATE.

Feel free to share this information with your family and friends to scare them and perhaps save their lives.

Heart Facts: Cardiovascular disease, or CVD, kills more than 16 million people worldwide each year and accounts for 30% of the total number of deaths. In the U.S., where more than 61 million people live with CVD, one American dies of CVD every 33 seconds – and more than half of those who die suddenly of CVD had no previous symptoms.

Heart disease and stroke, the main components of cardiovascular disease, account for nearly 40% of all deaths in the nation.

ABC News: Dec. 29, 2006. “It should come as no surprise that nearly every one of us knows someone who died of heart disease; it remains the No. 1 killer in the United States, according to a year-end update on heart disease and stroke statistics from the American Heart Association. In fact, cardiovascular disease accounted for more than one-third of all deaths in the United States in 2004, according to the update. Further, stroke is the no. 3 killer after heart disease and cancer. The update found about 700,000 people experience new or recurrent strokes each year.”

Women. Your heart & menopause. The risk of heart attacks and strokes increases in women after menopause. According to the Centers for Disease Control and Prevention (CDC), one in 10 women between the ages of 45 and 64 has some form of cardiovascular disease (CVD); by age 65, however, the rate is one in every four. As hormonal levels decline with the onset of menopause, women’s heart and arteries are inexorably affected.  “Estrogen helps keep the arteries free from the buildup of fatty substances, cholesterol, cellular waste, and other contaminants.” It is known that estrogen keeps arteries supple. See the UPCOMING   Newsletter to learn more about how bio identical hormones can protect your heart.

Many women simply don’t recognize the warning signs of coronary heart disease until such time as their health is already deteriorating. According to the American Heart Association (AHA), more than half a million (500,000) women die of heart disease each year. Since 1984, heart disease has claimed the lives of more women than men, making it the #1 KILLER OF AMERICAN WOMEN. While men do have more heart attacks than women, women are less likely to survive, and more likely to have a second attack.

Women (and men) with high blood pressure also have an elevated risk for heart disease because hypertension hardens the arteries, which forces the heart to work harder. Roughly one third of people with hypertension do not know that they have high blood pressure.

It’s common to think breast cancer is the No. 1 threat to women’s health when, in fact, heart disease is responsible for more deaths in women than all forms of cancer combined. Heart disease is the most significant health concern for women in the United States today.

The common belief that heart disease affects mostly men is a dangerous myth. In reality, more women than men die of heart disease in the United States each year. But according to the American Heart Association, only 13 percent of women know that heart disease is a major threat to their health.

Men & Declining Testosterone. Studies have shown that adequate levels of testosterone are important for maintaining cardiac health and preventing age-related senility. Reports from the oft-cited Rotterdam Study, where researchers examined the association between testosterone levels and cardiac health in 504 men aged 67-to-75, showed that men with higher levels of testosterone had lower levels of coronary artery disease. As the authors of the study stated, “we found an independent, inverse association between levels of endogenous testosterone and severe aortic atherosclerosis and progression of aortic atherosclerosis in men.” MANY studies show that testosterone also helps protect the hearts of women.

Standard testing does not protect you against heart disease.

Limitations of Standard Lipid Testing. “For years, physicians have relied on the standard lipid panel—including total cholesterol, LDL, HDL, and triglycerides—to assess their patients’ cardiovascular disease risk. It is increasingly apparent that this approach fails to detect many individuals at risk for heart disease.”

This focus on standard lipid testing causes individuals and doctors to neglect all the other causes of heart disease, some of which are more important than cholesterol. “Can you have a heart attack if you have low cholesterol? You sure can. Can you survive to the age of 95, outlive all your neighbors, and never have a heart attack despite high cholesterol? Absolutely. Can you suffer a debilitating or fatal heart attack with “normal” cholesterol? It happens every day—1,152 times a day nationwide, to be exact, according to a 2004 report by the American Heart Association.”

By way of example, former President Clinton had received frequent assurances from his physicians that he was in “good health.” He had passed an annual thallium stress test for the preceding five years. His cholesterol was reported in the press as excellent at 179 mg/dl, and doctors monitored his cholesterol values frequently. Mr. Clinton jogged and complained of no symptoms with vigorous exercise. Yet, shortly after the release of his autobiography, he developed unstable symptoms that warned of impending heart attack. Extensive blockages of all three coronary arteries (greater than 90%) were diagnosed through heart catheterization and Mr. Clinton underwent a quadruple coronary bypass operation. He had a massive heart attack and heart surgery.

Many patients are told that they are in a low risk group due to their “normal’ cholesterol levels. They either died shortly thereafter from heart attacks or were “saved” on the operating table after suffering a heart attack.

Patients have died from heart attacks despite having an LDL level of 95 mg/dL. Is this unusual? The average LDL level in heart attack survivors is 140 mg/dL. Compare this to the average LDL for all Americans, which is 134 mg/dL. These values are so close; it is no wonder that predicting heart attack risk based on LDL values is an imprecise science at best.

This does not mean that you can ignore cholesterol. Several large studies have demonstrated that cholesterol levels are related statistically to the risk of heart disease. The higher your cholesterol levels (total and LDL), the greater the likelihood of heart disease. The Multiple Risk Factor Intervention Trial, or MR FIT, showed that the likelihood of heart attack in the people with cholesterol levels in the highest 20% was three times that of people whose levels were in the lowest 20%. The well-known Framingham trial also illustrated this phenomenon.

In both studies, however, a significant number of heart attacks still occurred in people with low or “normal” cholesterol values. In the Framingham study, four of five people fell into a large middle range of cholesterol levels, whether or not they developed heart disease. Those with extremely low total cholesterol (less than 150 mg/dL) had low (though not zero) risk for heart attack; those with extremely high cholesterol (greater than 300 mg/dL) had high risk for heart attack (threefold higher). But the great majority of people fell in between these extremes, and the greatest number of heart attacks developed in people with cholesterol levels in this middle range.

Look for “Testing for a healthy heart” in an upcoming Blog or go  to www.nbhlifetimehealth.com to order the “Healthy Heart” lab tests.”

Mike Clark, Clinic Director