Wednesday, September 4, 2013

Corporate Wellness: Planning and Implementing an Effective Employee Wellness Program


Employee Wellness Programs are being implemented to promote health among employees. Employee Wellness Program (EWP) goals are to educate, inform and bring awareness to individual health and safety. Companies use wellness programs as a way to increase productivity and morale while, decreasing healthcare costs, absenteeism and presenteeism. Businesses large and small are facilitating activities and programs that focus on preventive health and health maintenance. Employers are also working to improve employees' quality of life and quality of work.

These programs range from lunch and learn sessions and personal nutrition consulting, to providing quiet rooms and fitness studios. Employees are motivated to participate through strategic marketing (allowing employee involvement in planning) and recognition. Employees track progress in many areas including blood pressure, blood glucose, body mass index, eating habits, physical activity level, and use of stress management techniques. Data is gathered through testing and reporting. Programming is now branching out and being presented in diverse ways including blogs, e-newsletters and online reporting.

Corporate wellness program design includes the following steps:

1. Identifying employee health conditions and needs- This can be learned/discovered by conducting health risk appraisals on employees and analyzing company data such as health care costs, rate of employee absenteeism and its overall affect on company's workers' compensation claims. National health data may also be used and compared to general employee demographics to obtain common health needs areas.

2. Assessing employee willingness to participate in an employee wellness program- This is achieved by gathering information in the form of a survey covering what motivators, days/ times for program implementation and program areas that employees would prefer.

3. Planning and presenting the program layout- Share program format and processes with managers, company stakeholders and decision makers for buy in and support. Be sure to highlight how the program will benefit the company's bottom line. Focus on mission and program goals. Include a projected budget. Work in evaluation methods and health screening procedures.

4. Implementing a marketing campaign and EWPs- Marketing can include paycheck stuffers, poster flyers, and a health fair rally or kick off. Programming can involve physical fitness programs, smoking cessation programs, pre/postnatal programs, self care programs and financial wellness programs among many other programs.

5. Evaluating the success of the program- Appraise employee participation and satisfaction along with post health screening. Analyze results factoring in employee successes, failures and a benefit to cost effectiveness if possible. Periodically make adjustments to program as needed.

Companies are increasingly moving toward taking a role in employees' health and well being. Executives and human resource managers should strongly consider reviewing the company's current wellness program. EWPs should reflect the company's genuine support for employee health and honor each employee's value to the business operation.

Tuesday, September 3, 2013

Low Cost Individual Health Insurance Plans - How to Get Cheap Quotes Online


Low Cost Individual Health Insurance Plans - How to Get Cheap Quotes Online

While costs for medical care have continued to rise, there's still a way to get low cost individual health insurance. Here's how to find the lowest cost health insurance plan.

Low Cost Health Insurance Here are three types of health insurance with the lowest cost:



  • HMO A Health Maintenance Organization is the cheapest of all health plans. This plan is made up of a network of doctors and hospitals put together by your insurance provider. Doctor visits are covered under this plan but usually have a small copayment of about $15. Hospital visits are also covered.


  • PPO Preferred Provider Organization is the next level of managed health care. It is very similar to the HMO health plan but you have the option of seeing a doctor that is not in the network. Doctors and hospital visits outside of the network do come with an added charge.


  • POS Point of Service plans are the most expensive of the three managed care plans. This plan has the most options and consequently comes with a higher price. You may also visit doctors and hospitals outside of the network with this plan.

Depending on your needs you may want to include coverage for items such as maternity care, prescriptions, and vision care. Managed care plans can vary quite a bit from insurance company to insurance company so look at each plan carefully before deciding on which one to purchase.

Low Cost Individual Health Insurance Quotes

One of the best ways to get affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you need to look closely at the policies and decide which one is the best for you.

Pregnancy Stretch Marks - An Important Insight


Pregnancy is a beautiful period so do not let the little pregnancy complications that occur to dampen your spirits. Brighten up even if you having problems like stretch marks as there are several treatments available and research has shown that after some time they generally disappear.

What exactly are pregnancy stretch marks?

Stretch marks are defined in Dermatology as scar formation on the skin with a silvery white hue. When they first appear on the skin they may be reddish or purple in color but as time passes they gradually fade to a pale white color and the skin in that area is very soft to touch.

Why and where do they occur?

The human skin includes the outer epidermal layer, the inner dermis layer and the subcutaneous stratum. The dermis is the layer that helps the skin retain its shape and the pregnancy stretch marks appear on the dermis as a result of excessive stretching and sudden weight gain. Pregnancy stretch marks may occur on breasts, belly, thighs, upper arms anywhere where fat tends to accumulate.

Various stretch mark treatments are available for stretch marks removal like ointments, the most popular of which is cocoa butter. You may also use Vitamin E oil or other ointments. If the stretch marks are really severe and these treatments do not help, consult your health care specialist, as there are laser treatments, dermabrasion, tretenoin, isotretenoin, adepalin and many such methods are being discovered. It makes sense consulting your health care specialist before applying any lotions for pregnancy stretch marks, as it may be possible that some medications such as steroids or hormones may be causing the stretch marks.

Who is more prone to getting pregnancy stretch marks?

  • The more elastic your skin is the less prone you are to getting stretch marks

  • Sudden weight gain may cause stretch marks so eat healthy and cut down that extra fat.

  • Genetics plays an important part so if your mother got stretch marks it is likely that you would too.

  • If you are expecting multiples the chances of stretch marks is higher as the belly usually grows larger than other women

  • In case you developed stretch marks on your breast during puberty you are more likely to develop stretch marks

  • In case this is your second pregnancy and you had it the first time it is more likely you'll develop them again

  • If you drink lots of water and eat a nutritious diet you are more likely to avoid serious stretch marks
  • Pregnancy stretch marks should not be seen as such a big problem that it disturbs your peace of mind and happiness. Don't worry once your baby is born, after a year or so the marks tend to disappear or may appear as light lines. In case you would like to apply ointments like Tretinoin cream it is better to do it after delivery as it may affect your unborn baby. If you are breast-feeding, please consult your doctor before using stretch mark treatments because some treatments for pregnancy stretch marks may be harmful to the breast milk or probably affect the milk supply.

    Pregnancy Support Belt to Ease Lower Back Pain


    Wearing a pregnancy support belt can make a massive difference to your comfort and health during the time you are carrying your baby.

    If you've been pregnant before, you'll understand how uncomfortable and downright painful it can be on your back, especially the lower back, while in the later stages of pregnancy. I've lost count at the number of pregnant women I see reaching round to their lower back with both hands and literally pulling themselves upright to relieve the pressure caused by the baby's weight.

    This intense pressure placed on the lower spinal area is not just uncomfortable it can cause real pain and possibly injury to the mother. The pain can radiate to areas further up the back and down into the upper legs and hamstrings.

    The natural body response to this condition is to sit or lie down and relax. While this is an ideal solution, in this day and age it may not be very practical. Let's face it, there's always something that needs doing, and although putting your feet up and relaxing is preferable, there will be times when you just have to get on and do stuff.

    There's nothing that can be done about the weight of a baby, but there is a solution to help ease the pressure exerted on the lower back and almost eliminate the back pain.

    A pregnancy support belt is the perfect solution to this problem. It is simply a large belt or band that fits under the bump and slightly above the hips and pelvis area. The belt is designed to take the full weight of the baby, which is supported from the hips rather from than the lower back.

    Like most brilliant designs, simplicity is usually the key and in this case it is absolutely spot on. As soon as you put the belt on, the back pressure is instantly relieved allowing you to walk more naturally and in total comfort.

    No more stretching upward to relieve the pain or walking with one hand placed on your lower back like an old woman! Now you can enjoy the later stages of your pregnancy in comfort and injury free.

    There are several designs of pregnancy or maternity support belts on the market. Most of them are neutral in color and designed to fit under your normal clothes and look invisible. But you can also buy modern, trendy support belts that fit outside your clothes and come in cool looking styles and colors to match your outfit.

    Now you know how essential a pregnancy support belt is, there's no excuse for you not to have one. If you can't borrow one from someone you know, they come in a range of prices and are cheap enough for anyone's budget.

    State Maternity Leave Benefits - Who Are the Winners and Losers?


    Collecting state maternity leave benefits is a hit or miss proposition. Many women assume that the federal or state government will automatically provide at least some level of maternity leave pay when they deliver their baby. In the U.S. government sponsored maternity leave benefits are the exception rather than the rule. There is no federal government program, and only five states have mandated short term disability programs in place. And some of those programs fall woefully short. Women working in one of the forty five states with no mandated state programs have to plan ahead, and find the right coverage before getting pregnant.

    Many European countries mandate a significant level of paid maternity leave benefits. Not so in the United States. There is the Federal Family Medical Leave Act (FMLA), which provides unpaid job leave protection for women during maternity leave. But of course "unpaid" means there is no income replacement whatsoever. Five states have state mandated short term disability insurance which pays a benefit for a normal maternity leave: California, Hawaii, New Jersey, New York, and Rhode Island. That leaves forty five states with no paid maternity leave coverage at all.

    If you live in one of the states with mandated coverage consider yourself lucky - up to a point. The state programs provide a minimal amount of coverage, and it may not suffice for many women. The New York state disability program illustrates this best. New York has one of the country's highest cost of living, and along with that comes the highest per capita income level. This is especially true in New York City. The New York state disability program replaces up to fifty percent of income, and caps out at $170 per week. The $170 per week cap represents fifty percent income replacement for a woman earning $17,680 annually.

    For a state with very high incomes, the NY level of income replacement is nominal. A couple might be able to get by as long as everyone is healthy, and mom can return to work right away. But what will happen if mom needs to leave work before her delivery, or experiences delivery complications, or has an accident, or get sick?

    And what about the women in the forty five states with no mandated state coverage at all? The same questions apply as well. If they work for an employer who provides paid maternity benefits - great. But this represents a very small minority. Some may be lucky enough to work where there is a company subsidized group short term disability program that will protect them while they work for that particular employer. Others may be lucky enough to have a voluntary short term disability option which they can pay by payroll deduction, and take with them if they leave the employer.

    The largest segment has none of these options. Fortunately, they can purchase individual short term disability that covers pregnancy and maternity leave. Provided they purchase a policy before getting pregnant, an individual short term disability insurance policy will cover their normal labor and delivery - creating maternity leave pay.

    Nursing College Is Ideal for Career Searchers


    More and more people are going green. They are more concerned about being environmentally friendly, eating organically and treating their ailments naturally. People are treating their minds and bodies better. Pregnant mothers want to deliver their babies naturally, free of epidurals or unnecessary C-sections. Giving birth in such a way often calls for the necessity of a midwife. Unfortunately, there aren't enough midwifing professionals to go around.

    Midwives are healthcare specialists that specialize in low-risk baby delivery. They practice non-invasive techniques that are proven to result in reduced delivery mortality rates, especially when dealing with more complicated births (ex. breeching). They help mothers through pregnancy, delivery, birth and postnatal care. The care of a midwife will allow the mother to give birth naturally, in a way that is not invasive to either the mother or her child. In fact, allowing a woman to give birth naturally actually decreases the risks associated with childbirth. Of course, in the case of a high-risk births or pregnancies, midwives will surrender their patient's care to an obstetrician. If the life of the mother or baby is at risk, artificial means of childbirth can be introduced as an absolute precaution.

    An especially favorable choice for new mothers, midwives can provide personalized and familiar care, and help with any problems that may arise, even after the baby is born. The midwife's familiarity with her patients makes her the best candidate to diagnose what both the mother and the baby need, much like a professional nurse does for his/her charges.

    While the majority of midwives are female, it is a practice that is open to both sexes. It is also a career that is experiencing a surge in demand. Due to the shortage of qualified midwives, unwilling women are being forced to deliver in hospitals despite what their personal choices maybe. Midwifing serves as a perfect example as yet another medical field that requires more working and qualified professionals. While it is only one of the many careers that await those that have completed nursing school, it also brings to light a very important point - that there is a shortage of qualified medical professionals in the country today. With the proper training, nursing students can look forward to any number of jobs once they have completed their studies. Additionally, there is a shortage in almost every field, making students with nursing backgrounds very valuable, regardless of what field they choose to specialize in once they have completed nursing college.

    Choosing a career today can be difficult. There are so many fields to choose from, but very few of these jobs offer very little stability. Nursing is one of the few jobs today that can guarantee both a substantial salary and consistent employment. It is also one of the only jobs in the world today that truly has the ability to change the course of someone's life.

    Home Sweet Home - Why More and More Women Are Opting For Home Birth


    When you hear the phrase "home birth," what is the first thing that comes to your mind? Old fashioned? Unsafe? Crazy? How about all natural, incredible, and safe? Each day, more and more American women are opting to give birth the old fashioned way - right from the comfort of their own homes. And the reasons for doing so are plentiful.

    For starters, home birthing moms, midwives, and the like concur that pregnancy is not an illness; and labor is not a medical emergency; and therefore, neither should be treated as such, unless of course there are pre-existing medical problems for the mother and/or unborn fetus, in which case, the pregnancy would be treated as "high risk," and home births would not be recommended.

    Home is a comforting place to be, hence the reason why so many women and men feel comfortable having the birth of their child take place there as opposed to the cold, sterile hospital. In addition to home births, there are many people who, through online medical consultation or telehealth services, are being treated for an array of medical conditions from their homes as well. Online doctor consultation services are available from home, or anywhere remotely where Internet access is available, and offer online prescription refills, doctors' excuses for work and school, and more.

    Going Au Natural

    Giving birth is one of the most natural occurrences in the world - so why are so many pregnant women treated as though pregnancy and labor are medical conditions? With all of the advancements that have come from scientific discoveries and experiments conducted in the past few decades, medical science has still not been able to improve the human body and the way it is designed to work. However, when our bodies are not functioning as nature intended them to, we are more fortunate than generations past in that modern medical science can work wonders.

    In the majority of cases, pregnancy and childbirth are normal functions of a healthy body - not a potential life-and-death crisis that requires the assistance of a surgeon. It is for this particular reason that home births, and online doctor consultations, are on the rise.

    Only a small percentage of pregnancies bear risks, and ultimately will require the skills of an obstetrician/gynecologist and usage of high-technology equipment (ultrasound, fetal monitors, etc.) in order for the mother and/or the baby to survive childbirth without long-term ill effects.

    The U.S. Has One of the Highest Neonatal Mortality Rates in the World

    In 1989, the recorded neonatal mortality rate for the United States was slightly more than 10 per 1,000 live births. Ironic, considering that the U.S. has the most highly sophisticated and expensive maternity care systems in the world, yet, in that same year, 20 other countries (with significantly less technology) had more babies survive their first months of life than babies in the U.S.

    Why is this? It is likely due to the fact that these 20 countries, which fared far better than the U.S. in terms of neonatal mortality rates, use midwives as the primary caregivers for healthy women during their pregnancies and births.

    Considering the statistics before them, the World Health Organization consistently urges the United States to return to a midwife-based system of maternity care in order to reduce high neonatal mortality rates. Physicians, in spite of advanced training and surgical specialties, have never been proven to provide better pregnancy and childbirth care than midwives. Moreover, no research has concluded that hospitals are the safest places in which to give birth for normal, low-risk pregnancies. In fact, respiratory distress among newborns was 17 times higher in the hospital than in the home. Not only that, but the United States has the highest obstetrical intervention rates, as well as an alarming problem with malpractice suits.

    Testifying before the U.S. Commission to Prevent Infant Mortality was Marsden Wagner MD, European Director of the World Health Organization, who suggested the need in the United States for a "strong, independent midwifery profession as a counterbalance to the obstetrical profession in preventing excessive interventions in the normal birth process."

    Homebirths are Safe

    Myth - Hospital births are safer.
    There have been numerous studies done that have compared hospital and out-of-hospital births, all of which have indicated fewer deaths, injuries, and infections for homebirths supervised by a trained attendant (such as a midwife) than for hospital births. There have been no studies that conclude hospitals have better outcomes than homebirths.

    Standing out among the studies is a six-year one conducted by the Texas Department of Health for the years 1983-1989, which revealed that the infant mortality rate for certified nurse midwives was 1 per 1,000; and non-nurse midwives attending homebirths was 1.9 per 1,000; compared with the doctors' rate of 5.7 per 1,000.

    Midwives are Trained Professionals

    Myth - A pregnant woman gets more professional attention in a hospital than she does at home.

    In addition to being trained pregnancy and childbirth professionals, midwives offer pregnant women more time, care, and attention than the standard medical office or hospital visits. In the hospital, obstetricians rely on machinery and others for information, and appear in the room with the pregnant women for typically only the last part of her visit. Most (and not all - as there are plenty of physicians, such as those offering online medical consultations, who encourage natural birth practices) physicians do not build a relationship founded on support with their patient; nor do they offer much encouragement on giving birth naturally.

    On a daily basis, an increasing number of childbearing women are finding solace with the care of midwives, as opposed to the cold, clinical atmosphere of hospital birthing wards. In response, many hospitals are now leaning towards making their sterile environments feel more like "home" for the patient. Most of the hospitals now allow women's partners into labor and delivery rooms, as well as accept the presence of a professional labor coach, or doula.

    But, even with this, many women are opting to engage in the natural act of giving birth right in their own home - as they feel childbirth does not belong in a clinical environment when all is well with the pregnancy. Statistics show that home births that are planned with a trained attendant have positive outcomes. Home births with untrained attendants or no attendants at all have less positive outcomes; therefore, those who are planning home births are recommended to have attendants, such as certified nurse midwife, there to assist/deliver the baby.

    In addition to childbearing mothers, people of all backgrounds are electing to be treated from home by utilizing online doctor consultation and prescription services - available immediately from their home or remote computer, eliminating the need for in-person doctor visits.

    What is Midwifery?

    Midwifery consists of a system of wellness and natural care given by professional midwives to women and infants during the childbearing year. In several countries around the world, midwives are the primary care givers in maternity systems with significantly better neonatal mortality rates than that of the U.S.

    Midwives are trained to be on alert for deviations from health throughout a woman's pregnancy and labor, and will refer their clients to a physician if necessary. While prenatal visits to an obstetrician's office typically involve long waiting periods before even seeing the doctor or nurse for a brief checkup, visits with midwives are generally relaxed, friendly, and last anywhere from 30 minutes to an hour. During this time, midwives examine the women by taking the both the mother and baby's heart rates, collect specimens for the laboratory, check high blood pressure rate and weight, as well as teach the benefits of proper nutrition, exercise, hazards to avoid, and how to prepare for a natural birth. Additionally, the midwife watches for any signs of fetal distress, and are equipped with the proper medical equipment for home births such as oxygen equipment.

    Consider the Benefits of Home Birthing

    There are several benefits to birthing at home, similar to the benefits of receiving online medical consultations right from home. Everyone is made to feel relaxed and comfortable, and women are in an optimal position to carry out the functions of the normal human body without the need for cold, long medical office visits and unnecessary medical intervention.