How To Appeal A Health Insurance Denial

Many times it seems that Health Insurance companies deny claims in hopes that you won’t file an appeal.  They are in business to make money after all.

health insurance denied imageWhen To File An Appeal

If you have read your health insurance policy you should have a pretty good idea of what is covered and what is not, but if you are like most people you really have no idea of what’s covered and what is not.

What you most likely have an idea of is what your deductibles are, and especially what your co-pays are.

Other than that, most people just go along with what the insurance company pays and figure out a way to pay the rest when they get the bill from the doctor’s office or hospital.

So when should you appeal a denied insurance claim?

Whenever you feel the amount you are having to pay out of pocket is more than what should be fair.

How To File A Health Insurance Appeal

(courtesy of The Consumerist)

1. Double-check all the rules of your insurer’s appeals process, especially deadlines.
2. Get all your documents ready and organized.
3. Call HR if you get insurance through your employer. They might become your advocate.
4. Ask your doc to write a “letter of medical necessity” and send it to the insurance company.
5. Make a log of all your calls when you contact the insurance company, including dates, times, whom you spoke to, what you talked about, and the length of the conversation.
6. Write down and refine your logical argument for why your claim should go through and refer to it when necessary throughout the process.
7. Keep checking on the status of your claim with the insurance company.

What’s Next?

Things of this nature demand attention.  If you do all of the above and then just forget about it without constant (bi-weekly) follow up then it’s likely your appeal will go no where and you’ll be stuck with the bill.

Stay on it until you gain satisfaction that your insurance company has paid all of their contractually obligated amounts.

Natural Help For Eczema

Eczema, also known as atopic dermatitis, is a skin condition causing itchy, red, flaky patches of skin, leading to thickening in severe cases.

eczema and dermatitis image

Eczema or Dermatitis.

The most common medical treatments are oral corticosteroids and steroid creams.

While these treatments are helpful, steroids, can only be used in small doses and for short periods of time without concerns for major side effects.

Eczema Cases Increasing Worldwide

The bad news on eczema is that it seems to be on the rise worldwide, with as many as 10.2% of the adult US population suffering from at least mild outbreaks on a regular basis, according to the National Eczema Association.

The good news is that natural treatments for reducing the pain, inflammation and frequency of flare-ups do exist.

Eczema Info and Home Treatments

Fast Eczema Relief

Another at-home therapy is a highly dilute bleach bath.

While some might find this antithetical, the truth is many doctors recommend this a couple of times a week. Until recently, the belief was that it killed bacteria on the skin, thus reducing inflammation and infection.

According to an article in NewScience.com, a study at Stanford University in California posits a different reason.  According to dermatologist Thomas Leung, the solution of only 0.005% bleach is too weak to kill bacteria.

However, a chemical, hypochlorite, in bleach oxidizes (removes an electron from) a molecule in the protein NF-kB, which is responsible for the inflammation and itch response. This inhibits inflammation and results in a cooling effect.

natural organic eczema remedy imageRosehip Oil For Dry Flaky Skin Relief

Many people find relief from their eczema and dermatitis by using Organic Rosehip Oil.

Rosehip has proven to be a longstanding and popular product for eczema symptom alleviation.

Sunflower Oil For Eczema

Another natural solution for eczema and a promising lead in successful reduction of dermatitis symptoms is the use of sunflower oil.

Besides being an excellent moisturizer, Australia scientists have discovered a certain protein in sunflowers can increase collagen production and skin healing.

It can also help prevent future flareups by prohibiting a chemical called trypsin, which is often overactive in eczema patients and can leave skin vulnerable to irritants and toxins.

So, not only does it provide moisturizing, but it also can help improve overall skin health and keep those flare-ups at bay.

Diet Tips For Eczema

Reducing Stress To Combat Eczema

Finally, finding ways to reduce stress, through exercise, Yoga, meditation, etc. can lead to a healthier lifestyle and clearer skin.

Combining daily exercise with a healthy diet, will make you feel better inside and out.

While some websites recommend particular diets, such as GAPS (www.gapsdiet.com), medical research indicates no particular correlation between specific foods and eczema other than those to which an individual may be allergic.

For more information on the current state of eczema treatment options and research, check out www.nationaleczema.org and www.eczema.net.

 

Using Mushrooms For Breast Cancer Prevention

Recent news and clinical studies about an effective Maitake mushroom extract for breast cancer sufferers.

While none of the studies have shown a complete remediation of the cancer because of this, there are promising developments.

maitake mushrooms for breast cancer treatment image

The Maitake mushroom has been shown to be effective for breast cancer treatment.

Essentially what these studies have found is that many women get at least some relief from their breast cancer symptoms when taking an extract from this particular mushroom while under the guidance of their doctor.

A quote from one of the studies:

Maitake D-fraction has effects on the immune system in animal and laboratory research studies.

Mushrooms For Breast Cancer Prevention

Here are three links for you to check out that have more information.

http://www.cancer.org/treatment/treatmentsandsideeffects/complementaryandalternativemedicine/dietandnutrition/maitake-mushrooms

http://www.wholefoodsmagazine.com/news/research/researchers-mushroom-extract-leads-breast-cancer-cell-death

http://www.ncbi.nlm.nih.gov/pubmed/21480800

You can even get a ready made extract right from Amazon.com. Click Here to check it out.

Home Therapy for Kidney Stone Relief

Anyone who has experienced kidney stones knows it is most unpleasant. Unfortunately, one kidney stone often leads to more, sometimes on a regular basis for the rest of your life.

kidney stones home remedy image

There are a variety of things you can do at home to alleviate your kidney stone symptoms.

Fortunately, a few very good home remedies may relieve the discomfort and even significantly reduce the occurrence of future stones.

Hydration

Staying hydrated is the most important step one can take in avoiding kidney stones.

Water alone is good, but adding lemon, lime or orange juice (natural) to your water is one of the most common methods of reducing your chance of forming new stones, especially if they are of the calcium oxalate variety.

These fruits provide citric acid, which can help keep stones from forming keeping calcium in the urine from bonding with other stone-forming minerals.

Apple Cider Vinegar

Some sources suggest adding apple cider vinegar to the mix as well. The Global Healing Center (www.globalhealingcenter.com) suggests a mixture of 2 ounces of olive oil mixed with 2 ounces of lemon juice, followed by 12 ounces of water.

Follow this with the juice of 1⁄2 lemon and 1 tablespoon of raw apple cider vinegar in 12 ounces of water.

How Do Kidney Stones Form?

Herbal Recipes For Kidney Stones

There are a few herbs that can improve kidney health as well. Dandelion Root, for example, is a great kidney tonic and cleanser. Taking up to 500mg per day may be beneficial for some. It is also available as a tea.

Uva Ursi is an old folk remedy for kidney problems that may reduce the pain of stones as well as cleanse the urinary tract. The recommended dosage is 500mg 3 times a day.

A final excellent herbal option is nettle leaf tea. Nettle is a natural diuretic, so it aids in the flow of water through the kidneys and keeps crystals from forming into stones.  It can also discourage bacterial growth and kidney infections.

Make a tea from 2 teaspoons of dried nettle stepped for 10 minutes in one cup of hot water, then strained. You can drink 2-3 cups daily for several weeks.

Is Diet Important?

Diet is an important factor in kidney stone formation. While past opinions have been to avoid foods high in oxalate, doctors now suggest combining these foods with those that are high in calcium.

This allows the calcium and oxalate to bond together before reaching the urinary tract, while allowing you to get the other nutritional benefits of both foods.

For a comprehensive list of oxalate rich foods, see here: (www.upmc.com/patients-visitors/education/nutrition/pages/low-oxalate-diet.aspx).

kidney stone varieties imageVarieties Of Kidney Stones

Finally, remember that while the majority of kidney stones are of the calcium-oxalate variety, other types do exist.

Always seek care from your primary care provider or urologist before taking any drugs or herbal remedies.

For more information check out these sources:

Global Healing Center

10 Natural Remedies for Kidney Stones

www.globalhealingcenter.com/natural-health/remedies-for-kidney-stones

Top 10 Home Remedies for Kidney Stones

www.top10homeremedies.com/home-remedies/home-remedies-for-kidney-stones.html

Natural Remedies for Kidney Stones

www.naturalremediesforkidneystones.net

National Kidney Foundation

6 Easy Ways to Prevent Kidney Stones

www.kidney.org/atoz/content/kidneystones_prevent

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