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Eczema Dictionary
Medical Review Companies and Insurance Claims
A medical review company supplies more than a second opinion. The unbiased nature of a medical review company is critical not only to the bottom dollar, but to the final result. Too often, patients think they are just numbers in a file or bits of information in a computer program. The maligned image of an insurance company's automatic denial of claims without really understanding the patient's need contributes consumer dissatisfaction and frustration.
What Does It Have to Do With You?
Patients are people and when they need healthcare, they don't want to read the fine print or a medical dictionary, they just want their claims covered. Most often, it's unlikely they would realize that their insurance claim went through an Insurance Review Organization's medical insurance review process. In fact, they probably just fill out the forms, hand a receptionist their insurance card and sign on the necessary release forms.
One of the most common complaints about needing healthcare is the cost followed closely by the complications of paperwork generated through authorization forms, claim forms and more. An insurance review organization is an intermediary company that insurance companies may outsource their claims to in order to determine with medical and insurance coverage accuracy the validity of a claim filed by someone insured by their company.
Your Health Matters
Insurance companies who deny a claim are often portrayed as heartless or more interested in the bottom dollar than they are about showing compassion. This perception is only augmented when an insurance company rejects a claim for anecdotal evidence. When a claim goes through a medical review company's insurance review process - it will not be rejected or denied based on anecdotal evidence.
For example, a patient suffers from shoulder, back and neck pain as well as bra strap grooving and eczema. Her medical history indicates years of chiropractic treatment as well as advice for non-steroidal anti-inflammatory drugs (i.e. Tylenol, Advil) and worn specialized support bras to support a 34DD frame and all of it to no success. Excessively large breasts can cause many of the symptoms the woman's medical history indicated.
The doctor recommended a breast reduction procedure to alleviate the problem and the symptoms.
Your Coverage Matters
When the claim is submitted to the insurance company, the policy may not cover elective cosmetic procedures. Many policies do not. Claim managers lacking medical expertise will often compare a procedure request against a list of approved procedures. If cosmetic procedures are not covered, it is likely the claim will be denied. The patient is left either choosing to pay for the procedure out of pocket or continuing to suffer.
If the claim is submitted to a third party intermediary such as a medical review company, the answer will be different. The medical review company has access to a large number of medical specialist and insurance experts. The medical specialists will review the patient's medical history and the doctor's recommendations. When her file is reviewed, the third-party specialist will take into account the history of shoulder, neck and back pain. They will note the visits to a chiropractor and other pertinent symptoms.
If the medical specialist agrees with the patient's physician that she is suffering from Macromastia (excessively large breasts), then he or she will understand that the cosmetic surgery of breast reduction provides the patient with the best option for the patient's relief.
Confidence Matters
The review process may be transparent to patients whose insurance company uses a medical review company; but the effect is profound. Their coverage premiums will likely be lower. Their medical needs will be addressed. They will not see their healthcare costs rise due to the underwriting of unnecessary procedures. When it comes right down to it, a medical review company gives patients confidence that both their medical and insurance needs will be met. They won't have to suffer misery unnecessarily nor face collections over mounting debt.
About the Author
To learn about smelly foot and calloused feet, visit the Foot Diseases website.
Discover Dangers and Benefits in Body Creams
Shopping for body creams can be confusing. If you read the list of ingredients on some of the body lotion and creams, you might feel like you need a dictionary. What is petrolatum, anyway?
When you see ingredients that you don’t recognize, that might be an indication that the product is not as safe as it could be. Of course, some manufacturers of body creams simply have their own trademarked or patented names for wonderful compounds that are good for your skin.
The best advice is to look for someone that believes in safety first. Those companies have signed the “Compact for Safe Cosmetics”, which means that they have agreed to abide by the European Union’s Cosmetic Directive, which is much tougher than US FDA standards.
Personally, I think that body creams should be good for your health. After all, if your skin is healthy, it shows. So, I have composed a short list of ingredients that healthy body lotion and creams should contain. Some of them may surprise you.
Honey, for example, has been used for thousands of years to treat a variety of skin conditions, irritations and injuries. Recently, researchers have learned that honey has antioxidant, antiseptic and antibacterial properties. They also learned that some kinds are better than others when it comes to body creams.
Honey collected from a certain bush that grows wild in New Zealand is the most active form. Body lotion and creams that contain it have been shown to increase production of skin cells, assist in the formation of stronger collagen and improve elasticity. That means less sagging.
Specific skin conditions such as acne, eczema and psoriasis respond well to these body creams. In addition to honey, there is kelp.
Kelp or seaweed has become accepted as a good source of many vitamins and minerals, so you see it more often in restaurant dishes and at the grocery store. In body lotion and creams, a type of kelp called Wakame has been shown to increase levels of hyaluronic acid in the skin’s layers.
Hyaluronic acid is one of the building blocks for new skin cells and fibers. It is pretty common to see this ingredient in body creams, but the Wakame is more effective, because it inhibits the enzymatic process that breaks down the protein.
There are lots of other safe and natural ingredients that are beneficial in body lotion and creams. Coenzyme Q10 has been shown to prevent and repair damage from free radicals.
Olive oil closely resembles the skin’s own sebum or oil that makes it moist.
About the Author
Elizabeth Ruby is passionate about good health and using healthy products on her skin. She does extensive research on the best products to use and what products to avoid. Visit her website at http://www.skinantiagingsite.com/ to find out what products she recommends.
