Getting Free Health Insurance Quotes – What Coverage to Expect From a Standard Plan

You simply cannot go without a reliable health insurance plan. You need to know that you and your family are getting the healthcare you require. However, most people do not know much about this type of coverage. They often get policies that cannot adequately meet their medical care needs. Thus, it is best for you to learn more about the features and benefits you can expect from a standard plan before requesting free health insurance quotes. In this way you can compare the different offers adequately based on your personal needs, requirements and budget.

The standard health insurance plan covers all the basic care and treatments you may require regularly or at one point in your life. All your visits to the doctor’s office are covered and you do not need to pay for them. You will not have to make on the spot payments for all standard medical tests including lab and X-ray ones. The maternity care is also normally included in every standard policy. This is includes all the monitoring of the future mother as well as the actual delivery. You will get adequate coverage for hospitalization and any surgeries you might need.

When requesting free health insurance quotes it is essential for you to keep in mind that the pediatric care should also be covered in a standard plan. All families have to pay special attention to the benefits they can expect to get for their youngsters. More importantly, you have to check whether the number of children in your family will affect the amount of money you have to pay for the coverage. Normally you can expect to pay more if you have more kids so it is best to research all the aspects related to pediatric care in advance.

One of the main types of medical care that is often not covered in the plans is the preventative one. This means that any immunizations and specific tests such as mammograms are excluded from the insurance. You are highly recommended to perform a more thorough research and find a plan that offers preventative care even at a slightly larger cost. Generally, the health maintenance organization plans have a greater emphasis on this type of services, but they also have specific restrictions that you have to take into consideration.

The standard policies do not provide dental care coverage. If you have serious problems with your oral and teeth health you should request separate health insurance quotes that contain only dental plans. It is worth having such coverage since this type of care is quite expensive as well.

Any insured individuals that need eyeglasses or hearing aids have to pay for these separately as they are normally not covered for. The same is applicable to any cosmetic surgery that is not necessary due to an accident or another medical intervention. Experimental and alternative treatments are often excluded as well even though more and more insurers are starting to offer them.

You have to consider all the benefits that you will get and the ones that you will not when requesting and evaluating free health insurance quotes.

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PTSD Treatment, Safe Alternatives

Big money is being made from PTSD treatment. In the news Post Traumatic Stress Disorder has become a marketing tool for all sorts of drug treatment therapies that are billed to someone, whether through federally funded programs, state funded or private insurance. More to the point, this type of PTSD treatment is based on pharmaceutical treatment, not medical science or true understanding of the human aspect of what our military servicemen and women, and some civilians have suffered through.

For the more humanistic approach to PTSD treatment, there are a few organizations that are focusing on helping the individual to get past the horrific experiences and help them to create a thriving and successful life for him or herself.

For instance, in a recent Channel 10 News section in Sarasota, Florida, “Veterans finding peace with equine therapy”, the focus was on the Circle V Ranch and Rehabilitation Center in Dade City. This ranch has, as its mission, to help veterans and first responders with alternative treatment. (Alternative to drug treatment). The ranch works with equine therapy to help the veteran and horse to work together and through this work, the veteran is able to move forward in their lives. One psychologist at the center is quoted in the news as saying that “They start to reconnect with themselves as they connect with the horse. As they connect with themselves, they can start to connect with the group. As they do that, they can start to reconnect with their family.” Additionally, the ranch offers help to the family, taking into consideration that PTSD symptoms do affect all.

Mental Health treatment has become the leading approach to PTSD treatment. This carries with it, the stigma of having been diagnosed as mentally ill, the FDA warnings of delusions, hallucinations, mania, psychosis, suicidal thoughts, homicidal thoughts, aggression and more, that come with the psychiatric drugs and for some, it carries involuntary commitment stays when the individual is experiencing these adverse effects of the drugs. A stay in a psychiatric ward is an added stigma, added financial burden, and another opportunity to diagnose and administer drugs to the patient.

Dr. Gary G. Kohls, specializing in holistic and preventive mental health care, recently published an article that is most relevant for those who have been labeled as psychotic, PTSD, Bipolar, Depressed, Manic, and otherwise opened up to the possibility of being diagnosed, placed on drugs and put in a psychiatric ward. Dr. Kohls specializes in areas of traumatic stress disorders, brain nutrition, and non-pharmaceutical approaches to mental health, neurotransmitter disorders, neurotoxicity from food additives, and the problems with psychotropic drugs.

He helps patients who have had adverse reactions from the mental health drugs, those who have developed dependency, those who have withdrawal symptoms and/or those who are experiencing toxicity from the drugs themselves. In Dr. Kohl’s article, titled, “Psychiatric Hospitals: On Being Sane In ‘Insane Places”

If Sanity and Insanity Exist, How Shall We Know Them?”, he is discussing a famous study that was published by D. L. Roshenan, in 1973. This study exposed the severe shortcomings of psychiatric hospitals at that time as 8 people, professional individuals including Rosenhan himself, faked the symptom of hearing voices and got admitted to 12 different psychiatric hospitals. The study showed in detail how each was diagnosed with a mental disorder and yet during the time they were held in the hospitals, none of them showed any symptoms of mental health problems.

Each of the 8 people told the psychiatric professionals that the voices had gone and they exhibited no manic or hallucinatory or delusional behavior during their time at the hospital (which ranged from 7 to 52 days). These “patients” engaged in all the activities that were laid out for them while they were there and faked taking antipsychotic pills that were prescribed to them. None of the staff, reportedly, suspected that they were not real patients and the only people that doubted their validity as having a mental health disorder, were the other patients, who were there under no faked symptoms and most of whom were on the psychiatric drugs.

In a follow up study, Rosenhan announced to the hospital staff of a facility, that had doubted his first study, that there would be pseudo-patients who would attempt to be admitted to their hospital in the following 3 months. The results of the study were that, “Among the total of 193 patients that were admitted for psychiatric treatment during the 3-month period, 41 genuine patients (20% of the total) were suspected, with high confidence, of being pseudo-patients by at least one member of the staff. 23 of the 41 were suspected of being fake patients by a psychiatrist, and 10 were suspected by both a psychiatrist and one other staff member.” So, from this 41 patients were saved from getting diagnosed with mental illness and protected from the mind-altering effects of psychiatric drugs.

This original and follow-up study convey a similar message to an old, foreign film produced by Philipe de Broca, “King of Hearts”, which was set at the end of World War I in a small European town where there was an asylum. As the movie proceeds we see the townspeople leave the town, due to threat of enemy siege and the patients from the asylum come out to operate the town’s stores and activities. During their time, out of the asylum, a soldier has been sent to defuse a bomb the enemy has left somewhere in the town that will, if it goes off, destroy the town completely. The soldier has his adventures with the inmates and as we see, by the end of the story, he is certain that they are the sane ones and that the game of war is insane. The message of the film and the results of Rosenhan’s studies are parallel, in that sanity is measured by location, at times and also by arbitrary yardsticks that truly have no basis in medical science.

Dr. Kohl points out that there are a number of conclusions the reader can take with them and these are highly relevant when looking for PTSD treatment or treatment of any mental health symptom.

The sane are not “sane” all of the time, nor are those labeled “insane” actually insane all of the time. Definitions of sanity or insanity therefore may often be erroneous.”

“Sanity and insanity have cultural variations. What is viewed as normal in one culture may be seen as quite aberrant in another. As just one example, there was a famous experiment contrasting American and British psychiatrists and each country’s diagnostic differences. The two groups studied identical videotaped interviews of a group of psychiatric patients. In that series of cases, schizophrenia was diagnosed far more often by American psychiatrists than for the British psychiatrists (by a factor of 10, as I recall the article).”

“Psychiatric diagnoses, even those made in error, carry with them personal, legal and social stigmas that can be impossible to shake and which often last a lifetime.”

For anyone who is experiencing the symptoms of PTSD or any other mental health symptoms, there are alternative treatments and there are medical professionals who have dedicated themselves to assisting you to get through this difficult time. For more information, the net is filled with articles about alternatives. It’s more promising than years ago. The information is out here for you to help you and your family to get all the facts, prior to making any decision about your care. Advocates exist who can help get this information to you faster, as they too have dedicated themselves to ensuring your right to full information.