Should I Really Be Insured For My Health?


With the continuing cost of healthcare in America plus the ever-increasing incidence of health conditions, insurance these days is a grave need. Health insurance offers people a solid backup during emergencies, as health risks are part and parcel of life and are quite unpredictable. Of course, one doesn’t plan when he gets ill, but he can arm himself financially. Whether it’s the cost for a physician, therapist, or psychiatrist, purchasing health insurance is one of the most reliable ways to be financially ready against any sudden health hazards.

What Is It?

Health insurance is a category of insurance coverage that takes care of medical expenses that are billed to the insured. The insurance company can refund it, particularly if the insured individual has been billed for his injury or illness, and it may also pay the healthcare provider directly. There are various types of insurance, including individual and family health insurance and life-threatening illness insurance. Buying health insurance is a crucial aspect of financial and life planning.

As already mentioned, health insurance offers people with a reliable backup during medical emergencies. However, it is a sad truth that up until today, healthcare in the United States remains to be a costly issue. Reports reveal that India still has the lowest permeation of insurance company sales in the world. Fortunately, people like Ayushman Bharat Yojana are currently helping alleviate this problem in the said country, among other new initiatives.

There are more than enough reasons to purchase a health insurance policy. This is especially useful if you are supporting a family because you choose the family insurance option to better take care of their medical needs. But it is important to note that the good insurance policies that people have to buy vary per person and they also depend on several different factors.

Why Get Health Insurance?

Most of us buy an insurance plan because we don’t want to pay so much when we are admitted to the hospital. Some get a plan to protect their family in case of an emergency. Here is a list of some of the most common reasons why people decide to get health insurance.

  • Fast-Increasing Medical Costs. Medical lab tests, diagnostic examinations, and other medical costs are rising every year. So when medical emergencies occur, families often exhaust most of their savings to pay up for the hospital bills. In India, residents primarily use their savings to deal with medical emergencies.
  • Change In Lifestyle. Our way of living has tremendously changed these days. We have become more assertive, curious, and willing to do anything to provide more for our families. Thus, we are more vulnerable to a range of health conditions, including mental illnesses. Also, our busy work schedules, the current pollution problem, and our inappropriate eating habits have further heightened the risk for us to develop an illness.
  • Pre And Post Hospital Expenditures. People pay so much for outpatient appointments and procedures, which are similarly rising every year. People have realized that it is crucial to purchase insurance plans because these plans do not only include admission and other hospital costs but also expenses incurred when their family members have bills at the outpatient department, which include diagnostic and laboratory examinations.
  • Supplementary Coverage. When you purchase health insurance, you are also entitled to vaccination and checkup costs, outpatient surgeries and procedures, and even ambulance privileges. These added benefits make medical emergencies relatively convenient compared to those who have no insurance plans.

When Can I Buy A Health Insurance?

This is a common question for most of us – when is the right age to buy an insurance plan? But the most straightforward answer would be that there is no right age to purchase one. However, if one decides to get insurance for himself early on, he will be paying less for it. This is because health insurance policies become more expensive as he increases in age, as his risk for developing a medical condition or getting injured is heightened. Thus, it is suggested that one gets a plan at an early age. He’ll be paying less and getting the same amount of premium.


Vital Coverage Considerations

One of the recommendations from reputable insurance companies is to purchase a critical illness insurance plan. This type of plan offers a fixed payment for every circumstance that you diagnosed with a life-threatening condition that is included in the policy. You can choose to get critical illness coverage alone, or better yet you can get it as a rider when you get a regular health insurance plan.



3 Aspects Of Car Insurance You Need To Know About


Considering you get into a car accident, it is not only the therapist’s fees that you will have to think about to deal with such a traumatic experience. If your vehicle became severely damaged, for instance, you may need thousands of dollars before a mechanic can return its original appearance. In case you have unfortunately hit another car, a property, or worse, people, the bills – or even legal charges – may pile up. Continue reading “3 Aspects Of Car Insurance You Need To Know About”

Beat Anxiety And Start Doing It Now

A lot of people struggle with anxiety, and most of them experience the same symptoms. There’s the feeling of nervousness, restless or tense. There’s an increased heart rate. There’s also trembling, sweating, and feeling tired or weak. There’s the problem on concentration as well as having a sense of impending danger.

In some cases, the symptoms of the mental condition vary from one person to another. But there are honestly a lot of things to do to get rid of it. Here are some of the lists that can get you started.



According to Kathleen Smith, PhD, LPC, “While depression and anxiety are two different medical conditions, their symptoms, causes, and treatments can often overlap.”

Keep Yourself Busy All Day

I know the idea is entirely silly and simple, but it does work in mysterious ways. That’s because anxiety often lives and crawls up in the quiet. It usually appears when you have nothing to do but sit at home and mope about anything. It makes things worse especially when you opt to think about things around you such as your daily duties, social and relationship problems, and even personal issues. But if you’re going to do stuff the usual way and go about your day, you won’t have time to think about anxiety. In other words, if you have everything planned out and you’re making sure that you are continually working on productive activities back-to-back, then you’re going to get a hold of anxiety naturally.

Look For A Specific Diversion

Your mind can go out searching for more worries so you have to know the points where you may have to drop anxiety out of your system. Looking for a diversion is something that you can do no matter where or whenever you are. Since you never know where and when anxiety may strike, this process can give you a heads up and keep stress and anxiety away for an extended period. If you find your mind is rambling, make sure to bring it back to the spot where you have to lock it in there. Some examples would be your focus on breathing, the focus on a thought about a particular happy scenario, as well as the focus on activities you are currently doing. By drawing your concentration to different stuff, your anxiety eventually diminishes.


“People who have depression are actually quite resilient,” said Mullen, PsyD, LMFT.

Find Time To Exercise

Yes, you probably heard it a lot of times, but it does work perfectly with anxiety. It doesn’t have to be that extreme though. You can have a 30-minute walk; you can go for a run, try a jumping rope, maybe do some house chores, or take your dog outside. There are tons of things that you can do to exert physical energy to help reduce anxiety. You only need to have an outlet for the pent up energy so you can bring the mental condition down. Since exercise releases good and useful brain chemicals, you can potentially secure a proper brain function away from mental health issues.

Talk To Someone

One of the most significant ways to get rid of anxiety is phoning a friend. It is essential to connect and talk with people all the time. It’s a significant move to tell other people in your life how you currently feel, what you are presently experiencing, and what thoughts are crawling up in your head.  It can also help you with what you are going through on that particular instance. When you take time to consider listening, sharing, and exchanging ideas, you’ll never have to worry about getting anxiety. Reaching out to people is so soothing that it removes you from an emotional and mental dilemma.


According to Laura Strom, LMFT, “Life can often be unpredictable and stressful.”

Seek For Professional Help

There are instances that anxiety can entirely become a pain in the ass. That whatever you do, there seem no escape from the mental illness even if you are trying so hard to help yourself. So with that, seeking professional advice is necessary. Yes, some tips may work for some occasions, but also some of them don’t guarantee a full mental health recovery. Seeing a psychiatrist can be beneficial because they can offer help in medication along with therapeutic processes. They can assist you from making steps towards your recovery so you can put things in place again.

If you are struggling with anxiety, don’t delay actions in solving it. Start working on your recovery as soon as possible.

The Secret To Achieving Pure Bliss

Everyone wants to live a happy life – one where everything seems to be in order or everyone seems to be nice. It is safe to state that many people work hard for the sole purpose of achieving pure bliss or ultimate happiness. While every one of us knows what happiness feels like, each of us can have different views on how we define it. Your satisfaction does not necessarily mean that it is also how other people view it.


According to Marni Goldberg, LMFT, LPCC, “Even though feeling disconnected from yourself is uncomfortable, frustrating and disorienting, the good news is that there are many ways to reconnect.”


Consider yourself lucky because, for today, we are going to share some exclusive tips on how you can achieve or accomplish pure bliss in your life. Make sure to familiarize yourself with these practical ways that can help you reach your goal.


Let Go Of Negative Emotions

Learn how to distinguish negative emotions from the positive ones. Of course, you need to get rid of the negative feelings as well as thoughts in your life. The more you have negativity within you, the more you attract adversity. If this continues to happen, there is a high possibility that you will be in a lousy mood, act grumpy in front of others or feel discontentment with everything that you have.


On the topic of work-related stress, David W. Ballard, PsyD, MBA said “Change is inevitable in organizations, and when it happens, leadership often underestimates the impact those changes have on employees”


Practice Gratitude

Make it a habit of appreciating all the blessings that you have in your life. Learn how to master the art of being thankful for every high thing that you encounter. You will be amazed at how doing this matter can improve your life. What you need to do is to get used to saying “thank you” when someone does something great. Another option is to keep a “thank you” or gratitude journal where you can jot down the reasons for being grateful.



Be Physically Active

Engage in physical activities that will not only improve your stamina but also make you feel great. Take note that the human body produces happy hormones, called dopamine, after a quick workout or exercise session. Do not worry because you are not required to exercise for hours every day. Even thirty minutes or one hour is already enough to do your daily workout routine or a simple morning jog.


Ari Tuckman, PsyD said “Get to bed earlier tonight Sleep is “an obvious but often overlooked” strategy.

Hang Out With Friends

Be a friendly person by going out with the people who matter in your life. Take some time off from work or business. Instead, spend quality time with the people who matter in your life. However, do not forget the most crucial thing that you must always remember and is to be careful in connecting with others. Remember that their vibe can affect your vibe. Never get in touch with them if they can only cause sadness.



Achieving pure bliss is a reward that you can give to yourself. Make sure to observe or follow the tips mentioned above. It is going to be challenging in the beginning, but once you master it, everything will be okay. Do not hesitate to seek professional help if you believe that there is a deeper reason why you still feel depressed or stressed even if you make an effort to defeat these negative emotions.


Counseling 101: High Functioning Depression

Depression tremendously affects people’s lives by minimizing their interest in everything. It creates a negative impact on social interaction with family and friends as well. Fortunately, not all depression locks people in isolation. There are some cases that it leaves people active even if they are experiencing the mental disorder. And as soon as they’re done with their everyday responsibilities, they withdraw themselves from everything around them. This scenario is what they call high functioning depression.

Laura Strom, LMFT said “Clinical depression” is a term often used to refer to one or more types of serious depressive disorders that may occur with or without the presence of a specific stressor.”


Continue reading “Counseling 101: High Functioning Depression”

Are You Mentally Prepared To Be A Mother According To A Psychiatrist?

Motherhood is one of the biggest adventures in a woman’s life.   The idea of having a baby is both scary and exciting that a woman finds it hard sometimes to picture herself as a mom.  Some women don’t even know they want to have a kid until they have one in their arms and come to enjoy the experience as much as those who had been thinking of having a baby all their lives.


If you already have a child, remember what Mark J. Johnson, PsyD, said: “As a parent, you know raising a child comes with many “challenges.””

To a woman who is at the peak of her career, someone who has some kind of mental disorder herself or somebody in her family, the idea of having a baby is quite stressing.

But psychiatrists say that mentally preparing a woman to the concept of motherhood would be a lot of help in making the journey much more enjoyable, especially when it comes to body changes, the hormones imbalances, challenging sleepless nights, and more issues on pregnancy.   Your psychiatrist can also prepare you for what to expect and what to do when the baby arrives.

Get Rid Of The Stress And Anxiety

Being financially stable plays a significant role in getting rid of the stress and anxiety during pregnancy and even after the delivery of the baby.

Be sure to take care of your insurance and check its coverage and the benefits you are entitled to when you give birth.  Knowing you have insurance to support you can lessen financial worries.

The psychiatrist advises you to have a good relationship with your significant others.   Misunderstanding and lack of support from your partner can be another significant source of your stress and even depression.


Studies reveal that stress could disrupt brain development during pregnancy as the hormones responsible for stress have its toxic effects on the brain.   It can also affect your way of thinking and your being productive. Even your effectivity in multi-tasking is hindered by stress.

Anxiety will rob you off of your sleep if you are not able to fight it away.   Lack of sleep can make you unhealthy and can weaken your immune system which is very important to support your pregnancy.

Did you know? According to Susan Albers, PsyD, “Most times, the people who pressure you do it out of love — they want you to share their food and the feelings that come with it.”

A psychologist says that once you find yourself swimming in stress and anxiety, why not try to treat yourself to a relaxing massage or a warm bath.  Taking a walk and breathing fresh air can clear your mind and is even an excellent form of exercise for you and the baby inside you.   Enjoying beautiful things and seeing nature can keep you calmer and more at peace.


Be Aware Of Yourself

It’s a natural occurrence for a pregnant woman to undergo many physical changes, changes that most women hate to have – the stretch marks, dark spots on the skin, the ugly curves, and the weight gain.

Instead of focusing on these changes, focus on how excited you are, knowing that your baby is growing healthy inside of you.  Look at those stretch marks as blessings of motherhood, for not all women are given a chance to be a mother.  Each line is your own story on this journey you can share with your kid in the future.

Jennifer Walton, MA, LPC, LCPC said “Social pressure can be best defined as the influence that society has on an individual.”

Changes in your body are necessary as a preparation for giving birth.   Attending prenatal classes, yoga, and childbirth education can help a first-time mother-to-be understand these changes and accept them so that they do not become an added burden for you during pregnancy.

Finding groups of first-time mothers-to-be through your hospitals or ob-gyn and even churches can be helpful mental support.  Mommy group buddies can make you understand better your journey, and you can also share your experiences.  No one can better understand you but those who are experiencing the same pain and struggles as you and those who had been in your situations before.


Talk To The Baby In Your Belly And Imagine Holding Her In Your Arms

Be excited as you look at the scanned photo of your baby in your belly.  Talk to her, read her stories, and sing to the little miracle inside you.  She can hear you and can even enjoy your voice.

You will soon care for that tiny voice crying, and see how effortlessly you can soothe her with just the sound of your voice which is already familiar to her.

Visualizing yourself holding your baby will be comfortable while watching videos online.  Picturing yourself as a mother holding your baby, calming her, and actually singing her lullabies can ease up the adjustment process from a free-spirit single career woman to a busy mother.

If you think you want to have a baby but do not believe you are mentally prepared for it, let a psychologist help you make this wonderful journey of your life for more info click here.

Take it from a mother like me. Seeing your baby right after your delivery, you can say to yourself, “the emotional roller coaster brought by this journey is all worth it.”

Learning How Online Therapy Security Efficiently Works

Online therapy is the fast-growing industry nowadays in the digital world. The online therapist offers a wide range of services, from digital assessment to give pieces of advice, and interventions, to dealing with anxiety, depression, and other problems like insomnia.  They then handle work problems, relationship issues, marriage counseling, abuse – almost basically everything the regular office-based therapist offers. Learn more from reading this article.

Raising security

But how exactly does online security work?

Dr. Hana Ra Adams PsyD., MA, LMFT said “Many of us can go overboard when it comes to shopping. We see the magic word “sale” or there are special offers or we find a style we like and choose to buy it in multiple colors.” Then, this is where virtual safety comes into play.

Continue reading “Learning How Online Therapy Security Efficiently Works”

Technology Improves Women Healthcare And Wellness



Millennials are said to be more health conscious than the older generations.   They make healthier lifestyle choices and make healthy diet their priority.   Everybody is very upbeat when it comes to healthy living, especially women.  

According to David W. Ballard, PsyD, MBA, “Researchers are uncovering new ways to identify and treat mental health conditions, such as brain mapping that can spot nuances in brain disease, and designer drugs that target an individual’s symptoms.”

Continue reading “Technology Improves Women Healthcare And Wellness”

AI And Robotics – The Future Of Insurance Is Here And Now



Many people fear how robotics and AI (artificial intelligence) will steal their jobs and their lives in the future.  We may not notice it, but many robots are already being employed in some companies, insurance included, to do human jobs.  With this continuing trend, US economy is said to decrease employment and drop wages.  This is why AI and robotics are considered a threat to the future of humanity.  But why don’t we consider the benefits first before drawing some conclusion?

Continue reading “AI And Robotics – The Future Of Insurance Is Here And Now”