"No one is useless in this world who lightens the burdens of another."
-----Charles Dickens
Live your life to give. By helping your self your helping others.
Tuesday, May 19, 2015
HIPAA
HIPAA~ Health Insurance Portability and Accountability Act of 1996. This act establishes privacy and security standards to protect a patient's health care information. HIPAA was passed by Congress in 1996. The act includes rules covering administrative simplification by making health care delivery more efficient. Portability of medical coverage for preexisting conditions was a key provision of the act as was defining the underwriting process for group medical coverage. Another key area was standardizing the electronic transmission of billing and claims information.
HIPAA privacy regulations require that access to patient information be limited to only those authorized and that only information necessary for a task be available to them. Personal health information must be protected and kept confidential. HIPAA provides for uniformity of rules and regulations on consumer control over health information, ensuring patients understand their privacy rights, ensuring patient's rights to access their medical records and request amendments in response to information they perceive as inaccurate. Failure to comply with HIPAA can result in civil and criminal penalties.
HIPAA now provides for universal access by a patient to review and copy his/her own medical record. So, the next time you go to your physician's office and your given several papers to fill out and sign, one of the papers is the HIPAA form. If your like the many, many people who have never fully read through the HIPAA form and only signed, now you know and have been fully informed.
Invest in you health,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
HIPAA privacy regulations require that access to patient information be limited to only those authorized and that only information necessary for a task be available to them. Personal health information must be protected and kept confidential. HIPAA provides for uniformity of rules and regulations on consumer control over health information, ensuring patients understand their privacy rights, ensuring patient's rights to access their medical records and request amendments in response to information they perceive as inaccurate. Failure to comply with HIPAA can result in civil and criminal penalties.
HIPAA now provides for universal access by a patient to review and copy his/her own medical record. So, the next time you go to your physician's office and your given several papers to fill out and sign, one of the papers is the HIPAA form. If your like the many, many people who have never fully read through the HIPAA form and only signed, now you know and have been fully informed.
Invest in you health,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Friday, April 24, 2015
Polypharmacy
Polypharmacy is when a patient uses several medications from several classes of medications than is clinically warranted. These drugs can be over-the-counter and prescribed by a physician. Patients who have more than one doctor and use more than one pharmacy are at risk of overusing multiple drugs.
Additionally, individuals who "take matters in their own hands", take a mixture of over-the-counter medications that are not FDA approved for the claims the drug manufacturers are making. The dangers of polypharmacy are drug to drug adverse reaction and you may be creating a health issue that wasn't there prior to use of all these drugs.
If you are seeing multiple physicians write down a list of your current medications and bring this list with you to all doctor appointments so he may be informed as to what you are taking. If you want to self-prescribe, notify the person who has medical training and has earned the credentials MD or DO after his name as to the cocktail of over-the-counter medications you are thinking about taking for whichever ailment you self-diagnosed.
Be drug responsible. Here is something for you to ponder: Medicine is the art of entertainment while nature takes its course.
Good health,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Additionally, individuals who "take matters in their own hands", take a mixture of over-the-counter medications that are not FDA approved for the claims the drug manufacturers are making. The dangers of polypharmacy are drug to drug adverse reaction and you may be creating a health issue that wasn't there prior to use of all these drugs.
If you are seeing multiple physicians write down a list of your current medications and bring this list with you to all doctor appointments so he may be informed as to what you are taking. If you want to self-prescribe, notify the person who has medical training and has earned the credentials MD or DO after his name as to the cocktail of over-the-counter medications you are thinking about taking for whichever ailment you self-diagnosed.
Be drug responsible. Here is something for you to ponder: Medicine is the art of entertainment while nature takes its course.
Good health,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Friday, April 3, 2015
Why should you care?
If you don't care and complain, then why should the person your complaining to care? If you don't care, then why are you complaining? The fact your complaining should tell you that you do care and the very thing or situation your complaining about is bothersome to you. Cease the complaining be pro-active and figure out a solution. Put the plan in motion and start your way to positive changes. Leave the negativity buried.
Let me make this relative to you. There are people who don't care about a lot of things. They should but they don't. The people who share this same way of thinking or lack there of are non- productive and self- destructive. Such a waste because no one benefits from this
frame of mind. The only person your fooling is yourself.
I write this article because of the amount of "I don't care (s)" I hear from people during life insurance conversations. Why don't they care?
What that translates to is; I don't care who pays the bill because I'll be dead. I don't care what my family decides because I'll be dead. I don't care where they get the money because I won't be here. I don't care about the money because someone else will pay for it. I don't have to pay for anything because the government will take care of it.
Really? Is this the legacy you wish to leave behind? Do you wish a financial crisis on your family? Do you want your family facing potential financial difficulties? Do you want your family to make last minute decisions because you don't want to take the time to plan? Do you want to be a burden?
Why should you care? Why should anyone care? Why should I care?
Because it's human.
Take time to care. Be responsible.
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Let me make this relative to you. There are people who don't care about a lot of things. They should but they don't. The people who share this same way of thinking or lack there of are non- productive and self- destructive. Such a waste because no one benefits from this
frame of mind. The only person your fooling is yourself.
I write this article because of the amount of "I don't care (s)" I hear from people during life insurance conversations. Why don't they care?
What that translates to is; I don't care who pays the bill because I'll be dead. I don't care what my family decides because I'll be dead. I don't care where they get the money because I won't be here. I don't care about the money because someone else will pay for it. I don't have to pay for anything because the government will take care of it.
Really? Is this the legacy you wish to leave behind? Do you wish a financial crisis on your family? Do you want your family facing potential financial difficulties? Do you want your family to make last minute decisions because you don't want to take the time to plan? Do you want to be a burden?
Why should you care? Why should anyone care? Why should I care?
Because it's human.
Take time to care. Be responsible.
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Wednesday, March 25, 2015
Value added life insurance
Final expense life insurance is designed for a specific need. The face value of a life insurance policy is paid to the policyholder's beneficiary at the time of death. In most cases, the money is received by the beneficiary on a tax-free basis and no additional fees need to be paid. The beneficiary can use the money to pay the policyholder's final expenses such as funeral costs. You can use the proceeds of the life insurance policy any way you see fit.
By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. Those living on a strict budget such as social security or pay check to check would benefit the most of owning a policy.
The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone and policies are tailored to fit your individual needs. You can choose a policy as low as $2500 depending on your needs.
To put the cost of life insurance in perspective, anyone who has TV can afford life insurance. If you drive a car, you can afford life insurance. If you have a cell phone, you can afford life insurance. If you have children, you can afford life insurance. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance. Are you a smoker? You definitely can afford life insurance.
While the price of food, fuel, utilities increasing and our budgets shrinking, life insurance premium is guaranteed to remain the same. Final expense insurance will give you peace of mind knowing the most expensive bill you are leaving behind for your family will be paid. If you live paycheck to paycheck, chances are your next of kin will be too. Where are they to get the money to pay for death expenses?
Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place initially.
There are many reasons to benefit from owning a life insurance policy. I cannot think of 1 logical reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop or watch a movie. In a just a few minutes you can be qualified and enrolled. Its that simple and that smart.
Smart choices,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. Those living on a strict budget such as social security or pay check to check would benefit the most of owning a policy.
The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone and policies are tailored to fit your individual needs. You can choose a policy as low as $2500 depending on your needs.
To put the cost of life insurance in perspective, anyone who has TV can afford life insurance. If you drive a car, you can afford life insurance. If you have a cell phone, you can afford life insurance. If you have children, you can afford life insurance. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance. Are you a smoker? You definitely can afford life insurance.
While the price of food, fuel, utilities increasing and our budgets shrinking, life insurance premium is guaranteed to remain the same. Final expense insurance will give you peace of mind knowing the most expensive bill you are leaving behind for your family will be paid. If you live paycheck to paycheck, chances are your next of kin will be too. Where are they to get the money to pay for death expenses?
Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place initially.
There are many reasons to benefit from owning a life insurance policy. I cannot think of 1 logical reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop or watch a movie. In a just a few minutes you can be qualified and enrolled. Its that simple and that smart.
Smart choices,
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Thursday, February 26, 2015
Women and obesity
Obesity, or too much body fat, is a chronic disease that is a health threat for women at every stage of life. Obesity is linked as a contributing factor to serious health conditions. As the prevalence of obesity has grown significantly, obesity has become the second largest cause of preventable death in the United States, following tobacco. Today's children and young adults are on track to mature into the most obese generation in US history, creating pressure on the health care system to deal with fat related disease.
As much as we like fast food, it will cause weight gain. Salts cause water weight gain giving that bloated feeling. Your body will breakdown the fat using what it needs for cellular energy and growth while the rest will be distributed and stored. American obesity has been linked scientifically to the typical American diet that is high in fats, salt and sugar. Sodas and juices are high sugary and acidic drinks. The acid will weaken and strip away tooth enamel. The sugar is empty calories and will essentially cause hunger and crave more sugar.
As women age, our metabolisms slow, hormone levels fluctuate and energy decreases. Lack of regular exercise and a sedentary lifestyle will cause weight gain. If we don't keep our eating habits in check and make the right food choices, packing on the pounds is easy to do. Having the "I just don't care" "I've always been heavy" "I've tried to lose the weight but can't" way of thought is self-defeating. Don't make the possible seem impossible. The first step in losing weight is to believe you can. Otherwise, the lackadaisical attitude will keep you on the merry-go-round of mood changes and health risk. A positive attitude toward food choices and exercise will help maintain a healthy weight.
Unhealthy diets and obesity will lead to:
Obstetric and Gynecologic Complications
Cholecystitis and pancreatitis
Sleep apnea
Type 2 Diabetes (NIDDM)
BReast Cancer
Low back pain, arthritis
Obesity increases the risk of developing type 2 diabetes and complicates management. The presence of obesity exacerbates metabolic abnormalities of diabetes including hyperglycemia, hyperinsulinemia and dyslipidemia. Obesity also increases insulin resistance and glucose intolerance.
The risk of developing hypertension and cardiovascular disease is increased with the coexistence of obesity and type 2 diabetes increasing morbidity and mortality. Body weights 20-30% above the ideal have mortality rates 2.5 to 3.3 times higher than for those of normal weight with type 2 diabetes!
Given all the scientific evidence and what we know, the percentage of overweight and obese Americans remains at an all time high. Making healthy food choices, incorporating exercise and living an overall healthy lifestyle is wiser and safer than choosing a life with a high risk health threat.
Good health,
TrIsha M. Pacenti RN, BSN
www.patientsmedical.com/women/obesity
As much as we like fast food, it will cause weight gain. Salts cause water weight gain giving that bloated feeling. Your body will breakdown the fat using what it needs for cellular energy and growth while the rest will be distributed and stored. American obesity has been linked scientifically to the typical American diet that is high in fats, salt and sugar. Sodas and juices are high sugary and acidic drinks. The acid will weaken and strip away tooth enamel. The sugar is empty calories and will essentially cause hunger and crave more sugar.
As women age, our metabolisms slow, hormone levels fluctuate and energy decreases. Lack of regular exercise and a sedentary lifestyle will cause weight gain. If we don't keep our eating habits in check and make the right food choices, packing on the pounds is easy to do. Having the "I just don't care" "I've always been heavy" "I've tried to lose the weight but can't" way of thought is self-defeating. Don't make the possible seem impossible. The first step in losing weight is to believe you can. Otherwise, the lackadaisical attitude will keep you on the merry-go-round of mood changes and health risk. A positive attitude toward food choices and exercise will help maintain a healthy weight.
Unhealthy diets and obesity will lead to:
Obstetric and Gynecologic Complications
Cholecystitis and pancreatitis
Sleep apnea
Type 2 Diabetes (NIDDM)
BReast Cancer
Low back pain, arthritis
Obesity increases the risk of developing type 2 diabetes and complicates management. The presence of obesity exacerbates metabolic abnormalities of diabetes including hyperglycemia, hyperinsulinemia and dyslipidemia. Obesity also increases insulin resistance and glucose intolerance.
The risk of developing hypertension and cardiovascular disease is increased with the coexistence of obesity and type 2 diabetes increasing morbidity and mortality. Body weights 20-30% above the ideal have mortality rates 2.5 to 3.3 times higher than for those of normal weight with type 2 diabetes!
Given all the scientific evidence and what we know, the percentage of overweight and obese Americans remains at an all time high. Making healthy food choices, incorporating exercise and living an overall healthy lifestyle is wiser and safer than choosing a life with a high risk health threat.
Good health,
TrIsha M. Pacenti RN, BSN
www.patientsmedical.com/women/obesity
Saturday, February 14, 2015
Choosing between fiinancial protection vs financial ruin
Why have it? If you have a family who depends on your paycheck for financial survival, then that is the foremost reason why you should have it. You are protecting your family's financial health after your death. The life insurance proceeds are transferred to your family tax free. The life insurance company you don't like and complain about will suddenly be loved once your family receives their check upon your death.
Your family will be able to pay death related expenses in addition to current and future bills. Life insurance allows you to invest in protection for very little cost. It is the least expensive, value added insurance available. There is no one reason for anyone to go without it. Premiums are low cost and those on a fixed budget can afford it.
Who else should have it? Anyone who is breathing. The need for life insurance is there. Someone will be burdened by the cost of your death. Having a life policy in place, even a low face amount just to cover death related expenses, is sufficient. The time to buy a life policy is now. Today is the youngest and healthiest you will be. Locking in premiums at your current age and before your next birthday, will ensure you are getting the lowest price possible.
The age of discussing death as a taboo topic is over. Procrastinating and denying own mortality is costly to everyone. By failing to prepare you a preparing to fail.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Your family will be able to pay death related expenses in addition to current and future bills. Life insurance allows you to invest in protection for very little cost. It is the least expensive, value added insurance available. There is no one reason for anyone to go without it. Premiums are low cost and those on a fixed budget can afford it.
Who else should have it? Anyone who is breathing. The need for life insurance is there. Someone will be burdened by the cost of your death. Having a life policy in place, even a low face amount just to cover death related expenses, is sufficient. The time to buy a life policy is now. Today is the youngest and healthiest you will be. Locking in premiums at your current age and before your next birthday, will ensure you are getting the lowest price possible.
The age of discussing death as a taboo topic is over. Procrastinating and denying own mortality is costly to everyone. By failing to prepare you a preparing to fail.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
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