Monday, July 15, 2013

How IVF Twins Can Help Fund Your In Vitro Fertilization Treatment Costs


IVF procedures can be expensive, and many couples have insurance plans that will not cover the cost of treatments for In Vitro Fertilization. IVF doctors will often transfer more than one embryo per cycle to increase the odds of conception. This also increases the chances of multiple births: twins, triplets, etc. Multiple pregnancies come with a greater chance of high risk pregnancy, and premature birth. Hospital Indemnity Insurance can mitigate some of the financial risks, and pay an extra bonus for your IVF multiples.

IVF Costs

In Vitro Fertilization costs can range from $10,000 to $15,000 per cycle. Fifteen states mandate some form of coverage. For those lucky couples with IVF coverage, financial concerns remain: what happens if mom misses extensive time from work, and what happens if the health coverage has hospital deductibles and co pays?

Most couples considering this procedure have no health insurance coverage that specifically covers IVF State mandates have loopholes, and 35 states have no mandate at all. So many couples must fund the treatment costs out of their own pocket. They face the added risk of: what happens to our finances if we experience a complicated pregnancy after paying all this money out of pocket for our IVF?

IVF and Twins, Triplets

IVF embryos are created in a Petri dish. A woman and her doctor determine the number of embryos to be transferred back to her uterus. The more embryos transferred, the greater the chance of pregnancy. The more embryos transferred, the greater the chance of a multiple birth.

The average single pregnancy lasts about 40 weeks, but a twin pregnancy often lasts between 35 to 37 weeks. Nearly half of all twins are born prematurely (before 37 weeks), and the risk of having a premature delivery increases with triplets, quads, etc.

Premature babies can have numerous health concerns. Because the needs of premature babies are so acute, preemies are often placed in a Neo Natal Intensive Care Unit (NICU) after delivery.

Hospital Indemnity Insurance Funds IVF

Hospital Indemnity Insurance is worth considering before beginning IVF treatments. It pays benefits directly to the insured, not to the doctors or hospitals as with traditional insurance. It pays a benefit for your normal labor and delivery. And the benefit may greatly exceed the premium you pay. Use the excess to offset a portion of your IVF costs.

Bonus for IVF Multiple Birth

Here is an important secret about certain Hospital Indemnity Insurance policies: your newborn(s) will automatically be covered for the first 30 days; even when you purchase coverage just for mom. The policy will pay an additional benefit should your newborn(s) be injured or sick.

Put the above all together for your IVF twins bonus: IVF is more likely to result in multiple pregnancies, multiple pregnancies are more likely to result in premature delivery, and premature birth is likely to result in sickness for the newborn(s). Therefore, Hospital Indemnity Insurance is likely to pay an additional benefit for each of your twins, triplets, etc.

For example, a policy with a $3,000 admission benefit would pay $3,000 for mom's confinement, plus an additional $6,000 for twins confined to the NICU, and $9,000 for triplets confined to the NICU. When you see what the coverage costs you will be amazed.

Sunday, July 14, 2013

5 Ways to Save Money on Your Health Insurance


Health reform was signed in to law in 2010 and it meant to make health care affordable and more accessible to more Americans. Many provisions are meant not to start until year 2014. Current provisions have made health care plans more affordable and expanded coverage for preventative care. Here are five ways that you can save money on your health insurance today.

First is to look for health coverage the allow you to lock in your rates. Most health plans available allow you to lock in your rates for twelve months and some up to two years. When shopping for health coverage look for "rate guarantee". Once the insurance company raises your monthly rate you can you can shop again to find a better rate.

Second look at getting a health plan with higher deductible. Most health plans today offer a high deductible for major accident or illness and small copay for services that might be used more frequently. Most health plans with high deductible still cover you before you meet the deductible for doctor office visits, preventative care (physical exams, yearly check ups) and prescriptions. If you have a preexisting medical condition and would like to lower your monthly premium this might one of your best options. Since insurance companies usually let you increase your deductible without going through medical underwriting.

Third since health care reform there has been some changes made to coverage. In some cases you can get exactly the same health plan that you have not through your insurance company for less. If you have been insured with same insurance company since March 2010 then check if they have the same health plans that you have now. Then find out if you are going to save money by switching to a new health plan.

Forth, when shopping for private health insurance make sure to consider a health plan with the benefits that you need. A recent survey showed that average individual health insurance customer save $77 a month when they selected health insurance plan without maternity coverage. Excluding benefit like maternity, which is not necessary for a single male, you may see significant savings in your monthly premium. Going uninsured or limiting your benefits might be a better choice then not having anything at all.

Fifth way that you can save on your health insurance is considering coverage with generic prescription drug coverage. Find out if you can get a health insurance in your area that excludes brand name drug coverage. If you rarely use prescription drugs and do not want entirely go without that coverage you may be able to save on your medical insurance. Most health plans today offer you a choice between having a coverage for both brand name drugs and generic drugs or only generics. In-case your doctor does prescribe a brand name drug chances are you can get a equivalent generic for it.

Those were five simple steps you can take to save money on your health insurance. The fact is that health insurance is going to keep going up. Making a habit to shop for new health plan every year will allow you to stay up to date on what is available in the health insurance market.

Weight Loss After Pregnancy - Help For the Struggle


The average woman begins her role as a new mother with extra weight and inches that she did not have before her pregnancy. However, as important as she may believe that achieving weight loss after pregnancy may be, this is actually beneficial in an important way. Some of the extra weight gain was meant to nurture the baby after birth through breastfeeding. While her body needed 300 additional calories daily during pregnancy, as a breastfeeding mother she now needs no less than 500 additional calories daily for lactation and good health. Your body stores up a little extra nutrition for after the birth for the transition period from pregnancy to postpartum, for the baby's sake. So, breastfeeding helps burn an extra five hundred calories a day - which will make it considerably easier for you to achieve weight loss after pregnancy.

Burning more calories may actually be easier with a new baby. Walking for an hour burns 200 calories. Walking while pushing a stroller increases the number of calories burned considerably. Push a stroller uphill, and the number increases even more. In essence, the necessary tasks associated with a new baby provide you with opportunities to burn even more calories, such as lifting the stroller and car seat in and out of the car, setting up and breaking down the playpen, and generally carrying the baby from place to place. Weight loss after pregnancy can be within reach.

However, in spite of these tactics, you may still find yourself with extra pounds and inches that simply won't come off, making weight loss after pregnancy nearly impossible. In fact, you may not even have the opportunity to take advantage of these activities-for example, if you do not breastfeed, you will not be able to realize the benefits of breastfeeding. For these instances, there is a postpartum support garment designed by an orthopedic surgeon and a medial engineer that will help you with this process. It is created specifically to assist your body in returning to its normal shape, and it gives you great support in the process.

What separates this particular postpartum support garment from the rest is the fact that, not only was it designed by medical experts, but it provides more coverage than the others on the market, and it stays in place. Unlike most of the others, which are belts or bands, this particular medical garment extends from above the waist to the mid thigh, so it will not roll down at the waist, and it will not ride up above the abdominal area. Unlike the ones designed like a panty or a panty girdle, the leg extends below the panty line, thus giving additional coverage and providing additional reshaping benefits. Perhaps most important of all is that this medical garment designed by medical experts was created to restore your organs to their proper locations. All of these features combine to give you the benefit of getting closer to seeing the inches fall off of your waistline, which helps to move you closer to the weight loss after pregnancy that you want to achieve.

Top 5 Reasons to Choose a Midwife


Liza Janda has valuable experience as a Certified Fitness Instructor for 27 years, Bradley Method Certified Childbirth Educator for 11 years, and Yoga Alliance Certified Yoga Instructor for 5 years. Her dedication to helping women during pregnancy, labor, birth and post-partum is a top priority. Liza is a wife and mother of two children, born naturally, one in a hospital, and one at home with a midwife. http://www.yogajanda.com

You and your baby deserve to have a midwife for your prenatal care, labor support, and postpartum care. The Midwives Model of Care is a fundamentally different approach that includes safe, health-promoting and effective "natural" maternity care that avoids harmful and unnecessary drugs and interventions. Midwives believe in allowing women to make informed decisions regarding their pregnancies. Midwives are trained to view childbirth as a natural process and not as a medical problem.

1. Women have shorter labors.

According to the World Health Organization women who give birth with a midwife often have shorter labors.

2. Women:

o Have fewer Cesarean sections,

o Receive less anesthesia,

o Have a much lower rate of episiotomy

As a result, low-risk patients who choose nurse midwives for their obstetrical care experience fewer complications. This is safer for both mother and baby.

3. Birth is less expensive.
Because there are fewer interventions, women incur less expense, compared to similar women who choose physicians for their care.

4. Women are successful breastfeeding past the first six weeks. One major focus of midwives is to provide the mother with individualized education, counseling, and postpartum support.

5. Mothers are satisfied with their maternity care and their birth experiences.
Only 1.7% of the mothers who experienced midwife-attended homebirths said they would choose a different type of caregiver for a future pregnancy.

What Are the Causes of PMS? Part 2


In PMS Part 1, we saw the general classification of the four 'types' of PMS which showed some promise that we might be able to identify a cause for each set of symptoms. But it turns out that trying to work out the causes of PMS from even an organised list of the possible symptoms is rather like watching a blockbuster 3D movie without the special glasses; you have a general idea of what is going on, but the details are blurred, the colours run into each other, and clarity is tantalisingly out of reach!

However, a glance at the PMS-A/C/D/H categories outlined in the previous article do suggest different factors and the influence of different hormones being involved in each type. For example:

(A) anxiety/hyperarousal (raised adrenaline and noradrenaline from the adrenal medulla)

(C) stress symptoms with secondary disturbance of sugar metabolism (raised adrenal cortical steroids, eg cortisol)

(D) depression, sadness and diminished mental function (increased oestrogen, reduced progesterone, raised cortisol)

(H) fluid retention and related signs and symptoms (increased oestrogen, aldosterone).

Although these categories seem relatively well defined, in practice there is considerable overlap between them. It becomes obvious that to pinpoint the complete hormonal state of affairs within an individual woman through laboratory tests would be very difficult in both practical and financial terms. Taking into account the other hormones in the hormonal cascade, each with their different functions and subtle effects on mood and physical symptoms, and the scale of the problem becomes clear. No wonder we can still read in many publications that "PMS is a condition of unknown (or uncertain) origin"!

The Hormone Confusion

In her thoughtful book 'The Truth about Hormones', the science editor Vivienne Parry says "PMS is a classic model of the way hormones affect mood and emotion; it is also a fascinating model of fluctuating medical beliefs, swayed by prevailing medical dogma."

Here she is referring to theories of the cause of PMS which have tended to focus on hormone excess or deficiency, with either oestrogen or progesterone being given main responsibility. It is clear by now that this is a much too simplistic approach, and that part of the answer must lie in the balance and fluctuation of the various hormones, fluctuations which of course have their own causes. Dr John Lee's work on the syndrome of oestrogen dominance, with its 'excess' of oestrogen in relation to progesterone, is very much to the point here.

Much has been written in the psyche-soma debate in relation to PMS, just as it has about conditions such as chronic fatigue syndrome, prompting questions like "PMS - is it all in the mind?", which have contributed to it not being given the importance it has deserved.

The Role Of The Mind and Emotions

This bias has been based on the curious attitude that psychological and emotional disturbances somehow rate lower on the scale of things than physical ones. But the study of cellular biology, cell receptors and their informational substances, (which include neurotransmitters and hormones too), has already shown us that our ideas of a separate mind and body are completely artificial, born of a polarised way of looking at the world.

There is only a bodymind, the different systems of which are in health completely integrated and communicating with each other at the cellular level through their extraordinary array of hormones, neurotransmitters and receptors. Because of a tendency to think in a compartmented, linear, cause-and-effect, 'either-or' sort of way, we often have difficulty in seeing the whole picture in complex conditions like PMS; whereas the truth is more likely to be glimpsed by a holistic, 'both-and' overview. For all its strengths, evidence-based medicine, with its emphasis on a reductionist approach, can contribute to this particular problem.

The Role of Ovulation in PMS

Taking this further, we know that, in the extreme, removal of the ovaries stops the symptoms of PMS. Symptoms also disappear in anovular cycles, where ovulation has, for whatever reason, not taken place. It has also been observed that if ovulation is artificially shut down with drugs the symptoms of PMS no longer arise. If these women are then given oestrogen and progesterone to restore previous levels, only the women who previously experienced symptoms do so again, showing that some women are especially sensitive to hormones, probably due to enhanced cell receptor sensitivity.

Another interesting fact: for women with mild PMS, the contraceptive pill, by stopping ovulation, eases symptoms; for those with more severe forms, their symptoms are made worse, probably due to the effect of the synthetic progestogens on women whose biochemistry is more severely disrupted by stress or previous emotional trauma. Exactly the same effect occurs in post-natal depression (PND), while bioidentical progesterone has been seen to have a markedly beneficial effect in both conditions.

As if this is not enough to consider, there is the matter of the neurosteroids, steroids that are synthesized in the brain, and have marked effects on some of its own chemical systems. It is known that receptors on cell membranes in the brain that respond to oestrogen affect learning, memory and pain reception. In addition, low levels of the neurotransmitters GABA and serotonin are associated with violence and aggression; and of serotonin alone, with depression. Interestingly, breakdown products of progesterone such as pregnenelone act as a calming influence, acting preferentially on the same receptors as do tranquillizers and barbiturates.

We also know that low levels of the aminoacid tryptophan, a serotonin precursor, make PMS symptoms worse; that oestrogen tends to increase serotonin levels when given to menopausal women, as do drugs that promote serotonin release or prevent its reuptake, improving PMS. Then there are the effects of diet, nutritional deficiencies, alcohol and obesity: a large subject in itself, and one to be explored in PMS-Part 3.

The Emotional Aspects

Finally this brings us to the emotional aspect of PMS. The 3-5% of menstruating women who suffer from the severest symptoms find their day-to-day functioning significantly affected, with consequent problems for their families. The main symptoms in this group are primarily emotional, which is why psychiatrists have claimed it for their own and labelled it 'Premenstrual Dysphoric Disorder' or PMDD, the word 'dysphoric' meaning feelings at the opposite end of the spectrum from 'euphoric'.

The emotional symptoms that stand out in this form of PMS are those that already described at the severe end of postnatal depression (PND); -

Anxiety - Irritability - Agitation - Sudden panics - Anger and aggressive outbursts - Volcanic rages and violent behaviour - Feelings of murderous intent.

Another early advocate of natural progesterone supplementation, Dr Katherina Dalton, used to regularly visit Holloway women's prison and found that very nearly half of all newly sentenced prisoners had committed their crimes during the four days before the start of menstruation and the first four days of the period itself. Bipolar swings similar to those in manic depression, and disconnection of thought and emotion as found in schizo-affective states, can also occur in the most extreme forms.

It's Not The Hormones - It's Their Fluctuating Levels

As we have seen, hormones do have their own direct effects on mood, but rather than taking the easy route and attributing these symptoms to a particular combination of hormones, I think that it is much more likely that, as in PND and puerperal psychosis, it is the fluctuation of the hormonal picture that allows the release of feelings that are already there, repressed and stored away within the body in response to previous traumas, sometimes physical or sexual, often emotional, that could not be expressed at the time, or resolved since. The majority of these are from childhood, but their repression seems to attract in later life the very situations which will trigger the same feelings, leading to the recurring negative 'patterns' of experience with which all too many of us are familiar.

The positive aspect of this suffering, however, is that it sooner or later forces us to explore or confront the hidden emotional issues that underlie PMS, which itself may act both as a reminder and as a pressure-release valve. There is a saying I like:- 'Give me the courage to meet the Devil in his lair, and make of him a friend'. The process of healing these emotional and psychological stresses means that these energies are then no longer present to 'break through' when hormonal fluctuations occur.

Dr Christiane Northrup in her comprehensive guide to women's health 'Women's Bodies, Women's Wisdom' writes well on this sensitive subject. She also describes a strong correlation between PMS and growing up in a family system in which parents or even grandparents were alcoholic. "The relationship between PMS and relationship addiction - giving your life away to meet other people's needs - is very high" she says. It is not difficult to see here the seeds of co-dependency. The intense, confusing and contradictory emotions of love, hate, anger, guilt, despair, shame, fear and defeat experienced in response by many children in this situation cannot be borne consciously for long. The result is a cutting off from their feelings, which resurface later in life at particularly vulnerable times. These may be times of severe or cumulative stress, emotional or physical exhaustion; or at times of hormonal imbalance or fluctuation, such as in the postnatal and premenstrual phases, and to a lesser degree at the menopause.

Conclusion

It is not always easy, and sometimes not possible, to explore the underlying issues in these situations, but in my own experience, if a woman has the willingness and the courage to do so, the results are almost always beneficial. In PMS-Part 3 we will explore the different levels of approach available to help resolve this condition, and offer a coherent and comprehensive way of looking at the problem.

4 Proven Methods for Natural Labor Induction


By the end of pregnancy you want nothing more than to just have your baby! It's hard to feel huge, exhausted, and like you have to run to the bathroom every 10 minutes! Here are four safe, proven methods to get labor going. Different women's bodies work differently, so these might not all work for you. It's worth a shot when you're tired and just ready to meet your baby, though!

Keep on Walking

You're probably doing a lot of walking already. It's one of the easiest exercises during pregnancy and it helps keep you and your baby healthy. But taking a walk every day can help your body go into labor if it's not getting there on its own. It gets your blood moving and nourishes baby regardless.

Climbing stairs is a trusted variation on walking. Find a flight and go up and down until you're tired. Remember to get plenty of rest after your walks and stair climbing. You want energy if labor does start up!

Squat Away

Squatting is strongly associated with pregnancy and giving birth, and with good reason. It usually opens the pelvis and helps your baby come down to the birth canal. Doing squats during pregnancy can prepare you for an easier labor and birth.

The reason squats can help you during labor is due to your baby's head. We're not sure exactly what causes labor to begin, but the baby's head pressing firmly against the cervix is thought to help trigger labor into beginning. Squats help to push baby down to firmly engage.

Enjoy Yourself

You've probably heard that lovemaking can stimulate labor, and this is true. What gets the baby in can help get the baby out. Semen contains prostaglandins that help ripen the cervix and prepare it for labor. You also get relaxed and all hormones are able to flow more freely.

Certain other things, like nipple stimulation can come into play and help get labor going. Nipple stimulation can be so powerful, in fact, that breast pumps have been used to get a labor moving. If you decide to try this know that it can take persistence to get a labor pattern going and established.

Visualization and Relaxation

Some people may think it makes no difference, but many moms have found that just by taking a break and relaxing things start to happen. Stop wondering "is this it!" about everything. Instead, ask yourself what you'll do next. Will you take a nap, clean the kitchen, get a snack? Maybe you'll take a walk or go window shopping. Take it one day at a time. When you finally resolve to relax and let nature take its course is when things might just get going!

Visualization is also a powerful thing. Find some time to take a rest in your bedroom or on the couch. Vividly imagine yourself going into labor. See, smell, touch, and taste how things will go. Let your baby know that you're ready. Focus on opening and softening your body so that things will get started. Our mind has a powerful effect on our body and you may just find that this technique works for you.

Pregnancy Weight Gain - How Much Should I Gain


Congratulations! You're having a baby. This is the most wonderful time of your life. Soon you will have a new child to love and take care of. Nothing beats this feeling, believe me.

Pregnancy is indeed a wonderful time, but it is also a risky time. You have a responsibility not only to yourself but also to the growing child inside of you. One of the unwholesome aspects of pregnancy is weight gain. It is only natural that you gain weight during your pregnancy; after all, you have a living baby inside of you. But gaining too much or too little can be dangerous to your health or the health of your baby. It can also leave you overweight after delivery.

How much should you gain during your pregnancy and what makes up a healthy weight gain?

Your overall weight gain is made of these elements:

1. Your baby - 6 - 8 pounds.

2. Your breast tissue - 1 pound

3. Fat deposits for breastfeeding - 7 pounds

4. Placenta - 1 pound

5. Amniotic fluid - 2 pounds

6. More Blood - 3 pounds

7. Uterus - 2 pounds

8. More fluids - 3 pounds

Overall, you should gain around 25 pounds all together. This isn't the same for every woman, of course. If you were overweight before your pregnancy, you should gain around 15 pounds, while women who were not overweight should gain 25-32 pounds.

If you are carrying more than one baby, your weight will increase by more than the figures I had written above.

You should take care of your diet throughout your pregnancy and also engage in safe exercise. Taking care of yourself is also taking care of your baby. Good luck.