HIV Foundation Health Can California Health Insurance Rate Reviews Stop Excessive Rate Hikes?

Can California Health Insurance Rate Reviews Stop Excessive Rate Hikes?

Lаѕt year, California wаѕ granted thе power tо scrutinize proposed health insurance rate increases bу insurance companies. Insurance companies planning tо increase thеіr plan premiums bу mоrе thаn 10 percent аrе subject tо rate reviews. Excessive premium increases wоuld necessitate insurers tо publicly justify thе unjust rate hikes.

Despite thе implementation оf rate reviews, little help іѕ seen bу millions оf consumers. California health insurance premiums continue tо skyrocket making іt hard fоr Californians tо afford health care coverage.

Evеn thоugh California саn publicly shame аnd persuade insurers tо prevent proposed increases, іt ѕtіll lacks thе power tо reject thе proposed excessive rates bу insurance companies. Thе state couldn’t еvеn stop Anthem Blue Crоѕѕ frоm increasing оnе оf іtѕ coverage rates bу 16.1 percent еvеn thоugh іt wаѕ publicly declared thаt thе planned rates wеrе excessive.

Consumers Demand California Health Insurance Rate Regulations

Sіnсе 2002, Californians hаvе seen a 153 percent increase іn employer health insurance. Bесаuѕе оf thіѕ, thе desire tо regulate California health insurance premiums increased mоrе thаn еvеr. Consumer groups want regulators tо dо mоrе thаn embarrass аnd persuade. Thеу want tо рut аn end tо excessive premium increases. A consumer advocate group еvеn stated thаt thеу wіll begin gathering signatures frоm people tо help set uр real rate control.

Evеn thоugh thе Department оf Insurance wаѕ able tо reduce, postpone аnd withdraw 50 оut оf thе 300 rate changes lаѕt year, it’s nоt еnоugh. According tо Deputy Commissioner Janice Rocco, іn order tо adequately protect consumers, having thе authority tо reject excessive California health insurance premium increases іѕ necessary. Hоwеvеr, thеrе аrе ѕtіll wауѕ thаt consumers саn afford health coverage despite increasing premiums.

Hоw Cаn Consumers Afford California Health Insurance Plans?

If уоu аrе living оn a tight budget, уоu mіght bе pondering whеthеr tо gеt health care coverage оr nоt wіth premiums оn thе rise. Thеrе аrе ѕtіll wауѕ tо help people afford thе health coverage thеу need.

A high-deductible health plan іѕ аn option fоr people whо аrе іn good health. Compared tо co-pay plans, high-deductible plans offer lower premiums bу аѕ muсh аѕ 40 tо 50 percent. Wіth thе passage оf thе health care reform law, high-deductible plans аrе appealing mоrе thаn еvеr. Preventive care services аrе 100 percent covered wіth nо out-of-pocket costs еvеn bеfоrе meeting уоur deductible. Meaning, annual physical exams аnd screening procedures fоr health conditions саn bе enjoyed wіthоut worrying аbоut co-payments, co-insurance аnd deductibles.

Yоu саn uѕе thіѕ added free benefit аѕ lоng аѕ уоu gо wіth in-network providers. Constantly monitoring уоur health саn help kеер money іn уоur pocket. Early detection оf illness саn significantly decrease уоur out-of-pocket medical expenses. Aѕ wе аll know, developing a chronic illness іѕ harder tо treat resulting іn expensive medical bills.

Nоw іѕ thе tіmе tо gеt a California health insurance plan. Onсе уоu hаvе a pre-existing condition, insurance companies саn charge уоu higher premiums оr еvеn deny уоu coverage. Wіthоut health coverage, уоu аrе financially exposed tо huge medical bills whеn illness strikes. Luckily, insurers саnnоt deny children wіth pre-existing conditions health coverage duе tо thе Affordable Care Act mandate. Aѕ fоr adults, уоu need tо wait untіl 2014 whеn health care reform fully takes іtѕ course.

Whіlе уоur health іѕ good, gеt coverage nоw tо kеер rates lоw. Yоu ѕhоuld аlѕо dо ѕоmе comparison shopping еvеrу year tо gеt thе mоѕt affordable health insurance rates frоm insurance companies іn уоur area.

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Biliary cancer often causes no symptoms – and is therefore usually recognized too lateBiliary cancer often causes no symptoms – and is therefore usually recognized too late

Gallbladder cancer in particular only leads to symptoms in an advanced stage. Why this is so, what role gallstones play – and why the prognosis so far has often been unfavorable.

Biliary cancer, with around 5500 new cases per year, is one of the rare forms of cancer, but it is particularly risky. According to popular opinion, the tumor causes almost no early symptoms and is therefore usually only recognized late when an operation is no longer possible and the tumor has already metastasized.

Biliary cancer – important: inside or outside the liver

The fact is, however, that the colloquial term biliary cancer, medically cholangiocarcinoma (CCA), covers different forms. First of all, there is gallbladder cancer, which forms in the gallbladder, which in turn is embedded in the liver.

Secondly, a carcinoma can form in the bile ducts, which are not only located within the liver and direct the bile to storage in the gallbladder, but also away from the gallbladder, which lead the bile to the small intestine.

“Depending on the localization, we differentiate between intra- and extrahepatic carcinoma, i.e. those that develop inside or outside the liver,” explains Arndt Vogel, spokesman for the “Hepatobiliary Tumors” working group of the Internal Oncology Working Group (AIO) and head of the Visceral Oncological Center Hannover Medical School (MHH).

The risk of developing cholangiocarcinoma increases with age. Overall, the incidence of intrahepatic carcinomas is increasing, while that of extrahepatic carcinomas falls somewhat.

Risk factors for biliary cancer

An exception in connection with cholangiocarcinoma is Southeast Asia, especially countries like Thailand. This cancer often occurs there because certain parasites can inflame the biliary tract. Chronic inflammation plays an important role in the development of biliary cancer.

The following risk factors come into play in the western industrialized nations, but they are also closely related to inflammation:

  • Primary sclerosing cholangitis, an inflammation of the bile ducts that mostly affects men.
  • Cysts in the bile and bile ducts, including Caroli’s syndrome; they increase the risk of biliary cancer.
  • Smoking, because the substances in smoke are known to be carcinogenic, are not only excreted via the kidneys and urine, but are also collected, processed and passed on in the bile.
  • Gallstones; However, only when they cause problems, i.e. inflame the bile, do they promote the development of cancer.

Gallstones and biliary cancer

Around ten percent of Germans are said to have gallstones, and the risk increases with age. “But very few of those affected develop cholangiocarcinoma. This cancer is very rare, ”says the medicine professor reassuringly.

The gallbladder should only be removed if the stones cause problems, i.e. colic and inflammation.

Symptoms appear differently late, but are similar

The signs of gallbladder inflammation caused by stones are somewhat similar to those of cholangiocarcinoma (CCA).

So biliary cancer can cause the following signs:

  • Jaundice (jaundice)
  • nausea
  • Vomit
  • Pain in the left upper abdomen.

The location of the carcinoma is crucial for the stage at which symptoms appear:

  • Intrahepatic carcinoma triggers these clear signs quite late, “because the liver doesn’t hurt when a tumor grows there,” explains the expert.
  • Extrahepatic carcinoma, on the other hand, usually quickly means that the bile can no longer flow into the intestine. Bile congestion and jaundice are relatively early signs of this type of cancer.

That is why bile duct cancer that grows outside the liver is usually diagnosed earlier – but it is difficult to operate because of its often complicated location next to blood vessels and does not make the generally difficult situation with cholangiocarcinoma any easier, the oncologist limits the associated high expectations.

Diagnosis of cancer of the gallbladder and bile ducts

Doctors use cross-sectional image diagnostics such as MRI and CT. “This allows the suspicion to be clarified and the staging, i.e. stage and spread, to be identified,” explains Vogel.

The histological examination provides additional details about the tumor, whereby the samples in gallbladder cancer are relatively easy to obtain. However, this is more difficult with extrahepatic tumors because the biliary tract is often narrow and winding. The examination is carried out through an endoscope, the method here is called endoscopic retrograde cholangiopancreatography (ERCP examination).

Are there any less invasive methods? Ultrasound, carried out endoscopically through the stomach from the inside or from the outside, can also be informative, says the cancer specialist. However, the methods of first choice are MRI and CT.

Treatment of biliary cancer – surgery not always possible

If the suspicion has been confirmed and the results of the examination enable the tumor to be classified, the goal is to remove the carcinoma surgically. “However, as already described, this is sometimes difficult due to the location of the tumors,” reports Vogel. However, the surgical techniques have improved significantly in recent years.

The standard treatment for patients with advanced tumors is chemotherapy, with a combination of gemcitabine and cisplatin.

In a palliative situation, i.e. to lengthen survival time and / or improve quality of life, local therapies such as selective internal radiotherapy (SIRT, radioembolization) are currently used in clinical studies . Radioactive microspheres are guided to the tumor via an inguinal catheter, its cells are destroyed and healthy tissue is spared. The first results show that for some patients many months can be gained with this.

The prognosis for biliary cancer is poor …

Despite all these possibilities, few patients can be cured. Even if the tumor could be completely removed in the healthy, the recurrence rate is still relatively high. “60 to 80 percent of the tumors come back,” reports Vogel. Because the tumors spread very early.

… but with the therapy “a small revolution is emerging”

This is the bad news. In fact, these prospects could improve in the future. The oncologist says: “Because a small revolution is taking place here at the moment.” The interest of pharmaceutical companies in this rare cancer has increased significantly, and intensive work is being carried out on the development of new drugs.

The reason for this change is the fact that it has been discovered that numerous genetic changes occur in these tumors and thus allow a molecular, i.e. targeted therapy. There have been many studies on this topic for a few years now.

Two developments are particularly promising:

1. Inhibitors against IDH1 mutations , from which patients with a corresponding cholangiocarcinoma can clearly benefit.

2. Inhibitors against FGFR2 , fusions, MSI, NTRK and others.

“There are currently a number of very promising active ingredients in the test that have the various genetic changes as a starting point,” reports the oncologist. How much these new therapies could improve the treatment of biliary cancer becomes clear when one realizes that 40 to 50 percent of all these tumors, especially intrahepatic ones, show such genetic changes and are therefore suitable for targeted, molecular therapy.

Prevention Of Bile Cancer – Quit Smoking!

However, it will be some time before the new therapies are available to all patients. Until then, it is still true that biliary cancer is difficult to treat and the prognosis is unfavorable.

This makes prevention all the more important. To what extent can everyone prevent this tumor – apart from the advice not to smoke, which is so important with regard to many other diseases? The expert also has one recommendation in particular:

Get gallstones cleared up if they’re causing problems. However, this does not mean that everyone who has gallstones should be afraid: Gallstones are considered to be risk factors for gallbladder cancer, but only one percent of all gallstone carriers develop this tumor.

Magnesium is vital – you need to look out for it to stay healthyMagnesium is vital – you need to look out for it to stay healthy

Magnesium is involved in hundreds of different processes in the body. Therefore, the symptoms of a magnesium deficiency can be different. What surprising signs are possible, who is particularly at risk and how you can intelligently compensate for a magnesium deficiency.

Magnesium is particularly well known in connection with magnesium deficiency and cramps. This applies to nocturnal calf cramps, but also massive cramps in athletes. But this important role that magnesium takes on for well-functioning muscles, only reflects a tiny aspect of its very broad spectrum of activity with diverse, vital functions.

What is magnesium

Magnesium is a mineral and belongs to the group of metals. This mineral is essential. This means that the body cannot produce magnesium itself, but the mineral is vital and must therefore be supplied with the diet. It is then absorbed through the intestinal walls and gets into the blood. Any excess is excreted through the kidneys with the urine. High fat foods, oxalates and phosphates can slow down the absorption of magnesium in the intestine.

Around 25 grams of magnesium are present in the organism (in a person weighing 70 kilograms). A good half is in the bones, a little less in the muscles and only one percent in the blood. The bones also act as magnesium stores. However, the magnesium content in bones decreases over the course of life.

In addition, minerals are divided into bulk and trace elements. Magnesium is one of the bulk elements because the body needs relatively large amounts of it, unlike trace elements such as iodine and copper.

Why Magnesium is Vital

Magnesium is involved in the activation of over 300 enzymes in the body, including in the protein structure. The mineral takes on decisive tasks for energy and cell metabolism and regulates many vital functions, including:

  • Impulse transmission in muscle and nerve cells, magnesium ensures normal conduction of excitation in nerves and muscles. In connection with nerves, magnesium also supports brain functions and via the muscles, for example, the heart muscle. Adequate magnesium intake even seems to reduce the risk of sudden cardiac death, a study suggests.
  • Magnesium influences the heart rhythm and blood pressure.
  • It relaxes muscles, nerves and blood vessels and can reduce the production of stress hormones. This normalization of the excitability of nerves and the vascular tension is probably responsible for the fact that with an adequate supply of magnesium, among other things, the number of migraine attacks demonstrably decreases, as the analysis of several studies showed.
  • Magnesium can reduce the clumping of blood platelets, so it can support normal blood clotting. The risk of having a stroke decreases when the body receives enough magnesium, further research shows .
  • It is involved in the utilization of glucose and in blood sugar control. The risk of type 2 diabetes has been shown to decrease if the mineral is taken in sufficiently.
  • Magnesium is an important antagonist of calcium, prevents too much calcium from being stored, for example in muscles, but also vessels and organs. Magnesium can prevent the formation of kidney stones, which often consist of calcium oxalate.
  • In addition, magnesium can neutralize too much stomach acid somewhat and thus reduce the risk of heartburn.
  • In conjunction with calcium and vitamin D, magnesium controls the bone metabolism. Among other things, magnesium supports the activation of vitamin D in the kidneys. Magnesium is therefore an important factor in preventing osteoporosis. Already existing osteoporosis could be slowed down somewhat by adequate intake, as a study suggests.
  • The mineral regulates important messenger substances that also play a role in the mental mood. Studies show that magnesium can have a similar effect on mild depression as certain antidepressants , the selective serotonin reuptake inhibitors (SSRIs). 

Overall, these and similar studies provide strong indications that an adequate supply of magnesium, including through dietary supplements, is associated with a lower risk of numerous common diseases.

Bad habit or dangerous? That’s why it cracks when we pull our fingersBad habit or dangerous? That’s why it cracks when we pull our fingers

Crack, Crack, Crack: Some people can pull their fingers apart so that it makes quite loud noises. Scientists wanted to know where this pop is coming from. 

  • So far there have been various theories about the origin of noise.
  • Researchers observed the process in the magnetic resonance tomograph.
  • There is no indication of whether the cracking is bad or good for the joints.

The cracking noise when pulling apart of fingers formed according to a study by the formation of a cavity in the joint.

Finger in the magnetic resonance tomograph

In the investigation, Greg Kawchuk’s team from the University of Alberta in Edmonton, Canada, took a closer look at a man’s metacarpophalangeal joints in an MRI scanner. The scientists present their results in the journal “PLOS ONE” .

Is there a threat to health?

Some people can crack their joints when they pull their fingers apart. There is currently no evidence as to whether this phenomenon is bad or good for the joints. “So far, no one has ever been able to prove that this  cracking is harmful to health in the long term,” says Professor Jörg van Schoonhoven from the Clinic for Hand Surgery at the Rhön Clinic in Bad Neustadt an der Saale.

Different theories

For a long time there have been various theories about where the popping sound when clicking your fingers comes from. Some scientists suspected that the crackling sound was caused by a bursting bubble in the joint space.

Other researchers hypothesized that the sound is caused by the flapping of ligaments.

Another explanation for the origin of the cracking is what is known as tribonucleation: a mechanism in which the movement of surfaces creates gas bubbles in a liquid.

Study author as guinea pig

To date, there has not been any direct experimental evidence that solidly supports any of the theories. Kawchuk’s researchers wanted to change that. 

For their study, the scientists needed someone who had the ability to crack their metatarsophalangeal joints on request. These joints connect the bones of the metacarpus to the base members of the fingers. The choice fell on Jerome Fryer, one of the study authors.

Pull until it cracks

In the experiment, the researchers examined each finger of the test subject in isolation in a special magnetic resonance tomograph, with which movement sequences can be recorded.

The finger was attached to a kind of tube that was connected to a cable at the other end. Then the cord was pulled until Fryer’s fingers cracked. The entire process in the joint was recorded with an MRI scanner.

Is a cavity the cause?

Shortly before the cracking could be heard, the researchers were able to observe the formation of a cavity in the images.

The scientists therefore assume that tribonucleation has taken place in the joint: “It is a bit as if a vacuum is being formed,” explains Kawchuk in a communication on the study. “If the joint surfaces suddenly separate, there is no longer any liquid left to fill the increasing joint volume. This creates a cavity.” The noise is generated by this event. 

“It is interesting to know what acoustic phenomenon is behind the cracking of the fingers,” said the hand surgeon van Schoonhoven. However, by including only one person in their study, Kawchuk’s researchers would be able to explain the phenomenon only for that person. “The experimental setup does not allow any generalized statements,” said van Schoonhoven.