Celebration of Wellness, January 2019

Celebration of Wellness, January 2019

Taking the confusion out of Copays, Coinsurance and Deductibles

Many health insurance plans require you to pay a copay and/or coinsurance when you receive healthcare services, including doctor’s office visits, hospital visits and prescriptions. These payments are necessary until you reach your out of pocket maximum, but how they work with your annual deductible is different. Learning the difference between these expenses can help you better understand your total annual healthcare costs, above and beyond your monthly insurance premiums.

Coinsurance: The percentage you pay for covered health services after meeting your deductible.January Flipbook

Some health insurance plans also include coinsurance, which is the percentage you and your insurance provider share to pay for the cost of care. As more of the cost of healthcare shifts to the patients, you may be feeling the impact of rising premiums and deductibles. Since these are often the first expenses you’ll pay for healthcare, it’s important to understand what these terms mean and how they affect your budget.

Premium: What you pay each month for your health insurance plan.

When you have health insurance, you pay a premium to be enrolled in the plan. Premiums are paid in addition to your plan’s deductible or copay or coinsurance.

Deductible: How much you have to pay out-of-pocket before insurance pays.

Every insurance plan has a deductible which varies based on the details of your plan. Your deductible must be met before your insurance will pay for covered expenses—excluding any copay or coinsurance required by your plan. Deductibles reset once a year, which means you’ll have to meet it again each year you are enrolled.

 How do premiums and deductibles work? Think of it like this:

  • You are going to have a baby. The cost for the physician is $2,300.
  • You have health insurance with a $300 monthly premium, which doesn’t apply to your pregnancy.
  • In addition to your premium, you have a $2,000 deductible you’ll have to pay on your own before insurance will cover any of the remaining costs.
  • Once you meet your deductible, you pay any coinsurance responsibility per your plan requirements.

 Our goal at Celebration ObGyn is to provide the best customer service possible by helping our patients better understand the confusion around insurance, copays, coinsurance and deductibles. We always recommend patients to also contact your insurance company for further understanding of your plan and financial responsibilities.

January is Cervical Cancer Awareness Month!! 

Each year, an estimated 12,000 women are diagnosed with cervical cancer, and, of those, about one-third will die as a result of the cancer. But cervical cancer is also a highly preventable and treatable cancer, thanks to improved screening and vaccination.

The American Social Health Association (ASHA) and the National Cervical Cancer Coalition have named January Cervical Health Awareness Month to encourage women across the country to get screened for cervical cancer and receive the human papillomavirus (HPV) vaccine if they’re eligible.

Today, detection tools and inoculations make cervical cancer a condition that is relatively easy to prevent and treat. In women who are not vaccinated and not screened regularly, either due to a lack of information or inadequate health care, cervical cancer can still be a serious, even fatal, illness.

“Science has put us in a remarkable position to protect women from cervical cancer, but technology is only half the battle,” said ASHA president and CEO Lynn Barclay. “It’s imperative we continue efforts that not only promote greater access to health care, but that we also inform women about cervical cancer and the marvelous means we now have to prevent this disease.” For cervical cancer screening information, give us a call at 407-566-BABY.

Celebration of Wellness, February 2019

Celebration of Wellness, February 2019

Addressing the Female Libido

Is your sex drive stalled out? Or is it in hyperdrive? Studies show that a significant amount of women have a lower than desired level of libido.  Movies, TV shows, and social media portray energetic, powerful, and beautiful women having amazing sexual energy. But let’s face it, like anything else on the big screen or Instagram, things are often exaggerated or untrue. Before you get too overwhelmed, lets learn a little about what is going on.  

Sexual problems are very common in woman of all ages.  Up to 40 percent of women report concerns to their doctors and therapists. This percentage is likely even higher due to under reporting for fear of embarrassment and lack of social acceptance. The clinical term for these sexual problems is “female sexual dysfunction”. Here I will discuss some clinical observations, explanations, and treatments for low female libido.  

First, we must understand the different types of problems that exist so that we can identify them in ourselves. These can include lack of sexual desire, impaired arousal, inability to achieve orgasm, and pain with sexual activity.  There may also be a combination of problems happening at the same time. Once we have identified the problem, we must set realistic goals for treatment. A good goal might be to return to a baseline level of desire that was present at an earlier time in life.  

After determining the cause of the disorder with your health care provider, treatment options can be initiated. These usually take a multidisciplinary and multimodal approach that can include counseling (couples or individual) or a combination of psychotherapy and pharmacology. Lifestyle changes are encouraged first for problems related to low sexual desire. Fatigue, stress, and lack of privacy can play a large role. Reducing stress at work and home is easier said than done but can truly be a game changer. Delegating household chores, exercising (yoga) to improve body image, and engaging in relaxation techniques are a good start. Studies also show that reading books about sexual desire, visiting “specialty stores”, and expanding your usual sexual repertoire can effectively increase libido and response. 

If your decreased sexual desire is due to pain, pelvic floor physical therapy may be an excellent option after pathological conditions such as ovarian cysts,February Flipbook endometriosis, bladder, and bowel problems are ruled out by your doctor. Vaginal conditions such as vaginismus are rare but treatable through your gynecologist.  

Understanding sexual interest and arousal problems can be confusing for a woman and her health care provider. It has been found that sexual interest typically decreases with relationship duration. Here are some hints on how to improve things: 

  • Spend a night away from home together. Date nights often improve sexual satisfaction. It has been shown that couples that enjoy time together outside the bedroom often have more fun in the bedroom.  
  • Try new positions.  
  • Incorporate devices or “warming lubricants.”  
  • Try an unusual time of the day to be intimate.     

In my practice, I often get questions about checking hormone levels and treatment with testosterone supplements. What I tell my patients is that testosterone and estrogen levels in your body do not and cannot predict sexual function. Studies have shown that increasing levels of testosterone may increase desire in postmenopausal woman, but this is not advised. Some side effects include facial hair growth, deepening of the voice, acne, male pattern baldness, abnormal uterine bleeding, and breast cancer. Research shows that it increased the frequency of desire by 1.9% compared to the placebo. The Food and Drug Administration (FDA) does not approve androgen use for sexual dysfunction.  Other drugs include synthetic steroids, serotonergic, and dopaminergic agents such as fibaserin, bupropion, and buspiron.  

To find out more about treatment for low libido, call your gynecologist or family doctor and have a complete physical.   

National GO RED for Women’s Day-Join Us on February 1st!!!

The American Heart Association’s signature women’s initiative, Go Red for Women, is a comprehensive platform designed to increase women’s heart health awareness and serve as a catalyst for change to improve the lives of women globally.

It’s no longer just about wearing red; it’s no longer just about sharing heart health facts. It’s about all women making a commitment to stand together with Go Red and taking charge of their own heart health as well as the health of those they can’t bear to live without. Making a commitment to your health isn’t something you have to do alone either, so grab a friend or a family member and make a Go Red Healthy Behavior Commitment today. For additional information and ways to get involved with this cause please go to www.goredforwomen.org.

Valentine’s Day

Millions of Americans will be lining up to buy their lovers chocolate covered strawberries and bouquets of roses this Valentine’s Day. But have you ever wondered how this day dedicated to love came to be?

  • Valentine’s Day started with the Romans.
  • Passing out Valentines is a 600-year-old tradition.
  • Candy hearts were originally medical lozenges.
  • Americans spend a lot on love. ($19.6 Billion in 2018!!)
  • The chocolate box has been around for more than 140 years.

 

 

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