Obtain Post Graduate Degrees in Clinical Research Online

clinical research

With the dynamic nature of the medical industry, one or two medical degrees are never enough. However, the time required to get another degree the typical way is usually long, and that is why online degrees are gaining more recognition today.

For starters, an online degree is extremely manageable and affordable in the medical field. In addition, since the field of clinical research is expanding quickly, there is a high demand for healthcare professions with a background in clinical studies, and an online degree complements clinical research in every way.

Clinical research is a branch of medicine that deals with determining the effectiveness and safety of treatment methods and medical products. It covers the various medications, how often and what time the drugs are very effective, and how the medical products will benefit patients. Having a post-graduate degree in clinical research will thus be a critical step in advancing in your medical career.

Since there are currently many teams that work in a clinical studies lab, having a postgraduate degree in clinical research opens you to more opportunities. A master’s degree in clinical research, for instance, will put you in a good position of being the lead clinical researcher, which is among one of the top positions in the lab. You equally get to study some of the latest drugs as well as learn about recent developments in pharmaceuticals.

Possible Careers with a Master’s Degree in Clinical Research

The field is booming and will continue growing at a rapid rate. After obtaining a postgraduate degree in clinical research, it is up to you to choose where you want to work. Some of the various careers available for you to choose include:

  • Drug development
  • Experimental medical treatments
  • Contract researcher
  • Clinical data management

Online Program Description

Online programs will provide you with knowledge and understanding of the major elements as well as principles of clinical analysis, trial designs, and delivery. The program is for anyone who has a degree in pharmacy, medicine, life sciences, nursing and all the other disciplines that are involved in clinical research. By the end of the program, you will be a qualified investigator who can lead any clinical trial.

Each course has been divided into themed sections with materials for practical case studies, archived webinars, directed readings, and podcasts. You can also be part of debates with live guest lecturers who discuss current issues as part of teaching. At the end of the program, you will have covered some of the following:

  • Commercial aspects of drug discovery
  • Statistics and management of data
  • Regulations and Ethics
  • Complex interventions and medical devices
  • Imaging
  • Trial and project management

The Master in the clinical research program is designed with you as the learner in mind. You will be supported as one of the active members of the active online community where you will access tasks and materials that will create a relevant, collaborative and dynamic learning process.

Entry Descriptions

The entry descriptions for most universities offering this master’s program are almost the same. You are required to hold an upper second class honors degree so as to qualify for the online program. Applicants are also supposed to be registered with the relevant professional bodies and have not less than a one-year working experience in the health sector as a clinician. Applicants should also be currently involved in the healthcare industry. If you do not have the employment experience, you can still be considered so long as you are planning on following a career path in clinical academic research in the future.

How Crowdfunding Can Be an Effective Alternative for Medical Hardships

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Crowdfunding has turned into a reputable resource for people who succumb to tough times and are looking for an alternative method of support. However, it inadvertently has also turned into one of the few places where people from all walks of life can come together for a common goal.

Most crowdfunding sites enable users to connect with supporters by providing updates and uploading photos. This feature offers a platform for family and friends to leave thoughtful messages and words of encouragement, creating an entire community of support.

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Michael Genest

A campaign can typically be created by the individual needing assistance, or by a family member, friend, or member of the community. While restoring hope to those it benefits, crowdfunding shows people that no amount is too small and making a difference in someone’s life is sometimes just a click away.

For example, Michael Genest has an incredibly positive personality with a “failure is not an option” attitude, even under unfortunate circumstances. Late last year, Michael was diagnosed with a very rare neurological condition known as Bickerstaff’s Brainstem Encephalitis.

The medical center in which he checked into to was completely unaware of the disorder. Michael was on total life support measures for lung, kidney, food and all bodily functions and could not speak and or easily move.

With his inability to work, the immense amount of out-of-pocket medical bills and two daughters in college, Michael’s family turned to Plumfund to crowdfund his medical hardshipAfter only two months, the campaign has already raised more than half of its $15,000 goal and the updates provided by Michael’s wife, Jordan, state that he is in good spirits and was moved to the top rehabilitation hospital in Texas. The support and kind words Michael’s from friends and family are incredible and inspiring.

However, Michael and his family are not alone. Unfortunately, there has been a dramatic increase in people turning to crowdfunding as an alternative method of raising funds for hardships, especially medical.

Thanks to social media, it’s easier than ever to connect with friends, family, coworkers or anyone in your network. Therefore, it also becomes easy to share your crowdfunding campaign and reach more people than traditional fundraising.

Users can collect any amount of donations from anyone anywhere in the world. Location is a limit with traditional fundraising, but with crowdfunding being web-based, it allows people the accessibility of sending and receiving funds at the click of a button. By incorporating technology, crowdfunding makes fundraising simple and more efficient to help ease the stress that comes along with any hardship. 

Assemblymember Tony Thurmond: From Social Worker to Lawmaker

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California Assemblymember Tony Thurmond (D)

You only need to take a look at the committees California Assemblymember Tony Thurmond (D) requested to be on in order to get a sense of his top priorities.  When he took office in January, he sought to contribute on Education, Health, Human Services, and the Select Committee on Homelessness.

“That’s exactly where I would expect him to be, knowing him,” said Carroll Schroeder, executive director of the California Alliance of Child and Family Services.

After a couple of decades working with nonprofits serving children and youth, as well as stints on the West Contra Costa County school board and the Richmond City Council, Thurmond says that in his new role as Assemblymember for District 15, he is “advocating for those who have the greatest needs.”

“I’m here for the least of us,” he told an audience at a Planned Parenthood Affiliates of California meeting on a recent Wednesday in Sacramento.

In his first months in office, Thurmond has proposed legislation to establish school-based mental health services and to address chronic absenteeism of children in grades K-3.

He is a bright star for children’s advocates and the service providers he worked alongside, most recently as senior director of community and government relations at Lincoln Child Center in Oakland.

Thurmond has emerged as a leader for the youth services field in what some youth advocates in California see as an era of austerity and erosion of the social safety net under Governors Schwarzenegger and Brown.

“There’s been a disinvestment in children’s services,” says Patrick Gardner, executive director of the Young Minds Advocacy Project. “During the recession, people assumed children were doing all right and there were other areas that needed more attention, and I think the result has been that children have suffered…We need a champion for children, and I think Tony has both the background and the heart to do it.”

Thurmond, who chairs the Budget Subcommittee on Health and Human Services, said he supports the Continuum of Care Reform Plan (CCR) developed over the past three years by the California Department of Social Services, providers, and advocates.

“The result will be better outcomes for kids,” Thurmond said.

The CCR report presented by CDSS to the legislature in January outlines 19 recommendations for transforming the delivery of child welfare services, including the establishment of a Core Practice Model to create consistency throughout the state.

“I came this close to being in foster care,” he said, holding his finger and thumb nearly together. After his mother died when he was six, he was sent to Philadelphia to live with a cousin he’d never met. “It was kinship care but we didn’t call it that back then.”

After getting his bachelor’s degree in psychology from Temple University, Thurmond got his first job as a social worker in Philadelphia.  “All I ever wanted to do was be a helping professional.”

But that first job seemed to him like putting a “Band-aid” on bigger underlying issues facing the clients he served, such as long-term poverty, substance abuse, and lack of access to education.

“I wanted to learn how to work to change systems,” he said, so he completed dual Masters Degrees in Law and Social Policy and Social Work at Bryn Mawr College.

At a recent briefing in Sacramento held by the California Program on Access to Care (CPAC) at the UC Berkeley School of Public Health, Thurmond expressed his support for the restoration of cuts to MediCal benefits and rates. He described his proposed Assembly Bill 1025, which would establish school-based mental health programs that would largely be funded by MediCal.

AB 1025 would establish 30 pilot programs providing school-based mental health services throughout the state. The legislation calls for mental health support to be offered in schools to students who have experienced trauma or other challenges.

Naming education his highest priority, Thurmond has also proposed AB 1014, a truancy prevention bill to address chronic absenteeism for kids in grades K-3 by funding outreach workers who would do home visits and work with families to address whatever is keeping children from going to school.

“Education is my top issue,” he said. “We want to help those kids get back in school so they learn to read by third grade so they don’t drop out and enter the juvenile justice system.”

“From my perspective based on my experience at Lincoln Child Center, home visiting is one of the most effective ways to get kids back in school.”

Reductions to the state’s safety net are a continuing concern for Thurmond. In his remarks to CPAC, he noted that despite acknowledging recent improvements to the state’s fiscal situation, Governor Brown “has talked as a consistent theme about our need to prepare for the future and to save money.”

“We all know,” said Thurmond, “that we have been for the last decade dealing with the great recession and tough cuts…and tightening our belts.”

He recalled the night in 2008 when he was sworn in as a member of the school board.  Despite his “excitement to help kids,” the first decision he was called upon to make just moments after being sworn in was “a vote to close ten schools because the state budget was so bad.”

“And that has been the climate and the culture,” he added, “in every single sector including our health safety net and our social services safety net. Now is the time to make restorations.”

“Everybody’s telling us what can’t be done, and that’s been the narrative for way too long,” Thurmond said in the Planned Parenthood meeting. “What is the cost we pay if we don’t take this action?”

Noting his choice of committees, not the most sought after by new members, Thurmond said simply, “I came up here to do work.”

Barriers to Treating PTSD in Prisons and Immigration Detention

During the past ten years, I traveled to over 100 jails and prisons in the entire east coast of the United States, giving me the to opportunity to observe the dire lack of appropriate medical and mental health care in our prison system. The most immediate and urgent need is to screen routinely for Post Traumatic Stress Disorder (PTSD) among incarcerated individuals.

alcatraz_prison_block_cc_imgAfter assessing over a thousand men who face lengthy prison sentences and endured long periods of solitary confinement, almost every person I have encountered has had an unaccounted childhood history of abuse and/or sexual abuse. To me, this has been most notable among those who have had a long connection to the criminal justice system— namely African American men, and more specifically those who have endured long years in the foster care system.

Many of the same patterns are also emerging within our immigration detention system, and so parallel conclusions can be applied to the immigrant population who are being held in prison-like settings. The goal of this article is to make the public aware of a growing epidemic of PTSD in our system of mass incarceration and detention. It calls for urgent attention to this immediate public health crisis. Addressing PTSD both in and out of correctional settings would lead to less violence and killings in prison and in the community.

The effects of living with untreated PTSD almost always flags a misdiagnosis of a mental health disorder of some other kind and no clinical account of the person’s abuse that can then lead to relevant basis for mitigation and the proper course for rehabilitation. It can also implicate mistreatment of symptoms and prescribing the wrong psychotropic medications to a person. In some instances, identifying PTSD can offer context to a whole host of other issues such as Traumatic Brain Injury (TBI), Depression, or co-occurring polysubstance abuse issues. Once PTSD is identified, it should lead to a long-term regimen of individual psychotherapy and addiction treatment where appropriate, with an emphasis on the mental health component. PTSD does not have to last forever but when it remains untreated, it can certainly last a lifetime.

“Post Traumatic Stress Disorder (PTSD) is caused by both traumatic experiences before incarceration and institutional abuse during incarceration that includes the six clusters of symptoms: (1) intrusive memories and flashbacks to episodes of severe institutional abuse; (2) intense psychological distress and physiological reactivity when exposed to cues triggering memories of the institutional abuse; (3) episodes of dissociation, emotional numbing, and restricted affect; (4) chronic problems with mental functioning that include irritability, outbursts of anger, difficulty concentrating, sleep disturbances, and an exaggerated startle response. (5) persistent avoidance of anything that would trigger memories of the traumatic events; (6) hypervigilance, generalized paranoia, and reduced capacity to trust caused by constant fear of abuse from both correctional staff and other inmates that can be generalized to others after release,” according to Terence Gorski.

ptsd-symptoms

What Are Some Barriers to Identifying PTSD in Prisons and Detention Centers?

  • A lack of basic trust between communities of color and mental health professionals who present themselves as affiliates of the system is pervasive among the prison population. Just within the past year, I met seven different incarcerated men who admitted to never disclosing their sexual abuse histories in previous psychological settings, largely due to feelings of distrust about disclosing personal information, deep shame, and feelings of worthlessness surrounding the abuse events. Indeed, an appropriate conversation about one’s traumatic histories leads one to be in his or her most vulnerable state. It requires a delicate process of assigning a substantive amount of time to assessing trauma between the interviewer and the person.
  • Just the physical environment of a prison setting alone can deter an appropriate atmosphere for eliciting intimate information about one’s trauma history. Advocates, lawyers, social workers, and counselors may have to request appropriate accommodations within the prison to do a proper trauma assessment. It is always most ideal for the incarcerated person to feel as comfortable as possible before disclosing details of their past and present abuse. In many cases, this will not be possible and the one performing a trauma assessment has to decide whether it is appropriate for the person to be engaged in this type of interview. Conversations regarding trauma histories should be facilitated in a manner in which the person will not be re-traumatized while recounting past events.
  • Proper training of correctional health staff, forensic health professionals, and legal advocates is necessary and critical. Those within correctional settings and the legal system should become a trauma-informed community to address the incarcerated population in a more realistic manner. Becoming a trauma-informed community will lead to less prison abuse and killings within correctional settings. Treating the root of an undetected problem will likely reduce recidivism among those that keep getting re-arrested and have long criminal histories.
  • Cross-cultural biases may influence the interviewer to associate symptoms such as anger, hypervigilance, avoidance, or depressive symptoms of PTSD with other culturally and stereotypically held beliefs about men of color in the prison system. In addition, attributing the nature of the criminal charge against a person can cloud the belief that the incarcerated individual was also a victim of trauma in the past. This often leads many professionals to dismiss the likelihood that a client has a substantive abuse history.
  • Even today’s well-trained lawyers and mental health advocates erroneously assume that if a person had an early history of trauma and abuse, it would have been documented a long time ago during an earlier course of treatment in previous years. This is an inaccurate assumption. It should be stressed that PTSD has only been truly understood among the medical community as recently as 2013 and this framework is not yet integrated within the legal and correctional system. Thus, the correctional and legal system largely still relies on outdated tools and outmoded diagnostic resources. Our historical pattern of under-treating PTSD among the incarcerated begs for a concerted effort and inquiry.
  • Language barriers can also deter identifying PTSD when it exists. If the person is unable to speak English, it is critical that a trauma assessment is conducted and modified to the individual’s native language.

What We Can Do

Anyone who has had contact with the criminal justice system should be automatically considered predisposed to the conditions of PTSD and Complex PTSD. This assumption should be more pronounced among those who have been charged with a violent crime.

Becoming trauma-informed almost always requires a client-centered approach in either mental health or legal advocacy. It is absolutely essential that clients are put at ease, especially within prisons. Conducting trauma assessments almost always requires a skilled clinician who understands the continuum of PTSD and what its components look like. It is also important to allot an appropriate amount of time to acquire information related to one’s trauma history.

Commonly used universal screening tools in a proper trauma assessment are the PTSD Checklist (PCL-C) and the Life Events Checklist (LEC). To screen for signs of Traumatic Brain Injury or TBI, you can use the Harvard Trauma Questionnaire-Revised, a more developed cross-cultural tool to assess one’s history of torture, severe head injuries, and other extreme life hardships. You can also use the Hopkins Symptom Checklist-25, to screen for depression and anxiety symptoms. You may want to also use the Beck Depression Inventory II (BDI II) to look for depression symptoms that frequently co-exist with PTSD when left untreated for a long period of time.

After conducting a trauma assessment, various relaxation and stress reduction techniques can be taught to the one facing and enduring incarceration. An appropriate amount of follow-up should be done to see that the person is referred to proper treatment of PTSD for the long-run.

Disability Claim Approved! Winning the Appeals Process for SSI

Social Security Administration
Social Security Administration

Most anyone who has gone through the Social Security or SSI disability system finds out how challenging it is, since most claims are denied the first time out. The chances of approval do go up substantially for those who appeal and have a disability lawyer to guide them through the process. Below is some information about the appeals and hearing process for disability claims.

Appeals Process

The appeals process for Social Security disability and SSI includes several levels. After the first round when the claim is denied, most states offer a chance at what is termed reconsideration. This must be requested formally within sixty days of the denial date. Because the process is complex, it is highly advisable to enlist the services of an experienced disability denial lawyer. Found online at www.disabilitydenials.com, a person can read more about what is needed for an experienced legal professional to help claimants prepare for and manage the appeals process.

Appeals Preparation

The most important thing to recognize with disability claims is that the decisions will be made based upon the information that has been provided. Therefore, claimants need to know what is in the file and have their own copies available. This is where having a lawyer on the case is very beneficial, since they know how the law works and what is necessary to establish and win the claim.

In order to respond to requests, claimants must understand their medical condition, what it entails and what doctors have reported. There is also a detailed work history and other data that Social Security and any disability claim will require. For instance, claimants must have this information at hand so that when it is requested it can be provided correctly. Otherwise, claims could drag out much longer than they need to or even continue to be denied.

Winning Disability Awards

1. Medical Records – One of the more important types of information that needs to be available are updated medical records. Hearings may take place a year or more after an initial claim is made and SSA may cease to gather medical evidence. Therefore, the file may not include the latest medical information. A disability lawyer representing the claim would be handling these tasks, which is another reason to enlist their services. In any case, claimants must gather all their medical updates and keep them handy to respond to SSA requests and be prepared for hearings.

2. Personal Records – The SSA will continue to request information about the disabling condition both in writing and at hearings. Therefore, claimants must keep good notes about how they feel and what they are able to do and not do. For instance, any activities that could be done prior and cannot since the condition should be noted. The precise reasons that a claimant is unable to perform their customary work-related responsibilities needs to be detailed so that when asked, the information is conveyed correctly to the administrative law judge (ALJ). Otherwise, decisions rendered without all of the pertinent information usually result in further claim denials.

Hearings

After the first appeal is denied, claimants may request a hearing before an ALJ. The best way to win any appeal is to understand the process so that it may be navigated more efficiently. The average time that Social Security Disability Insurance (SSDI) claimants wait for a hearing is around 400 days and as long as a year or more.

Statistically, the chances of winning any disability case are much higher when the claimant has engaged an attorney experienced in disability law. In these cases, attorneys usually do not charge fees until the claim is won, in accordance with the law. In fact, without an experienced disability lawyer, there is a very strong chance that the case will be denied repeatedly. As suggested online at www.disabilitydenials.com, anyone filing for Social Security Disability should seek counsel as soon as possible to greatly increase their chances of winning disability claims.

It’s About Living: Difficult Conversations Made a Little Easier

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It’s A Wonderful Life

Ahhhh holidays! Once the hustle and bustle are over … our thoughts turn to cozy evenings with family, wrapping and then opening presents, crackling fires in the fireplace and another round of the seasonal food that we all associate with childhood wonder and good times.  What a time for celebrating our lives!

In these busy times, it’s just so rare when families and extended families get together for uninterrupted and unhurried conversation.  But, whatever holiday you celebrate this time of year is an ideal time to really connect and go  beyond the usual chatter and catching up.

This holiday season think beyond the traditions of the past and take the opportunity to start a new one.  Have a conversation for which you will be thankful in the future.  What is this conversation? It is a conversation about joy and having your voice heard even when you cannot speak for yourself.  When serious illness or long-term disabilities impact everyday life, difficult conversations need to take place. How do you find a way to start that conversation long before difficult situations are staring you in the face? It’s really quite simple. Here’s a holiday recipe for starting the conversation.

As you come together, invite everyone to take turns sharing what makes them happy and where they’ve found joy in their lives. This is something to which even the youngest family member can contribute.

Talking about the joys in life can easily lead to a discussion of what it is in the things that bring us joy. This invites everyone to share a bit more deeply about who we are and what makes us unique.  It promises to even surprise a few with the hidden story gems that will emerge and what you’ll learn about those you think you know well.

And, don’t be surprised if it now feels much easier to ask one final question…

“If something happened and you couldn’t tell us yourself, what would you want us to know that is important to you in being alive?”

Does this feel like an old friend in new clothes? Yep, it is, but the new clothes carry great significance. Unlike the more familiar questions about choices in case of illness or at the end-of-life, this is a question that comes from the perspective of living and that makes it a much easier, more palatable question to answer. Don’t be surprised if this gently evolves into a discussion about a beloved family member with an illness or a health challenge to face, and then into very personal sharing of thoughts on individual preferences and choices.

It’s fine to keep this topic on the light side but making sure family members have an idea of what’s important to you and how you’d want to be cared for during a difficult situation is really important.  And, it’s important for you to know … and understand … their choices too.

There is no question that the holidays can bring up a lot of emotions and you can use your best judgment about your family based on their response, but starting the dialogue about living life to the fullest is a way to connect and learn more about the people you love the most.  And, when you need to know what’s important to them in life, it’s a conversation you’ll be thankful you had.

A Recipe for Joy

Many of us see joy differently. To some, it might mean, sitting in the backyard watching the grass grow. To others, it could be contemplating their life sitting by a mountain stream with a fishing pole in hand. It’s an interesting discussion. We all take this journey that has a road that eventually ends. How we spend that journey is as individual as we are. Sharing with our loved ones how we envision that journey gives us a better chance of realizing it. We must remember that respect for the dignity and privacy of our family members comes first.  But, to initiate this conversation can be a beautiful gift for all who take part in it.

Initiating Important Conversations With Loved Ones

If you’re the conversation initiator, you’ll be surprised at how many possibilities you can find during holidays or other family gatherings.

·         Missing a loved one at holiday events
·         Movies you’ve seen
·         Sermons/seminars
·         Television talk shows, dramas and comedies
·         Medical checkups
·         Family occasions such as baptisms, marriages and funerals
·         Magazines and books

Supporting a Conversation That Continues

It’s only in the movies that everything is neatly wrapped up in a package. The real world is much more complicated. Family conversations stop and start over time. Maybe touching on the subject during family celebrations can be seen as a starting point.

The true objective of family conversation is more than a simple package of papers with advance directives and estate details. Those things matter, because they will guide final actions. But what matters most is to talk with the people you love about decisions relating to the joy you wish to live in the journey of your life.

We never know for sure when the story of our life is going to write its final chapter but we do know what gives us joy. Discussing what brings that joy and how we envision our life is meaningful conversation that helps eliminate difficulties and complications later but also brings families closer together today.

Coping Without Medical Insurance

Living without medical insurance
Living without medical insurance

Even with all of the changes happening with healthcare plans, many people are still coping without not having medical insurance. With the new healthcare reform, it is important to look into all of your options because it is becoming more affordable and available with more options than ever before.

Living without health insurance means that you have to look after your body even more than usual. Choosing a healthier lifestyle is a necessity. If you do not have health insurance, it is extremely wise for you to try to live a healthier lifestyle and try to apply for auto and travel insurance should any accidents result in any events from car or adventure sports accidents. Medical costs are extremely pricey and with no coverage whatsoever you will be paying through the pocket if you do not have the right insurance.

Healthy living

Regardless of medical coverage, a healthy lifestyle is important for everyone. One of the things that people can do is to monitor what they eat. For those who cannot afford health insurance this is even tougher because fast food might be the cheapest option, but it is also the unhealthiest type of food to eat. Limiting foods with trans fats is important as is including vegetables and fruits into your daily diet. Overeating can lead to a multitude of health problems including diabetes and heart disease and if you do not have health insurance you will be paying for these medical costs from your pocket.

Living a healthier lifestyle also means looking at other things other than food that can affect your body. Smoking and drinking alcohol are things that should be avoided because they do not help your health and without health, you should limit any risks that can harm your health.

Not only is maintaining a healthy diet important for those who do not have health insurance but an equal part of living a healthy lifestyle is to exercise or take part in some physical activity. The Center for Disease Control (CDC) recommends that adults spend at least 30 minutes a day doing some form of physical activity. Choosing a healthier lifestyle can prevent future illnesses and ailments over time.

ObamaCare: What will medical insurance look like in 2014?

Many Americans are able to receive health insurance through their employer’s plan or through the government with Medicare or Medicaid. However, about 15% of people remain uninsured and they can apply for the ObamaCare open enrollment in the marketplace until March 31, 2014. The new health care plan has caused quite a stir amongst politicians and health insurance companies, but the different available plans are meant to cover essential healthcare benefits people need such as health for women, better overall coverage and promising families that children can stay under their parent’s plan until they are 26 years old. The new law provides for better preventative care, insurance companies can not deny you for having a pre-existing condition, and there are no longer any life-time limits on the care you can receive.

Use the resources you have

Another option for the uninsured is to utilize the resources that you have at your fingertips. There are free or reduced priced clinics in most towns and using these services can keep you relatively healthy until you can get health insurance. Urgent Care facilities can treat diseases and conditions that are not life threatening or are not at the life threatening stage such as bronchitis and pneumonia; this will save on the potential costs of going to an emergency room. Planned Parenthood is a quality organization that can do yearly checkups for women including breast exams. Consult with friends and family to learn about organizations in your area that can do cost effective medical coverage (the internet can also be used for research).

Other insurance options to keep in mind: auto and travel

In order to take care of yourself, keep in mind of other insurance plans that cover different areas that healthcare insurance does not. Look into car insurance quotes that cover bodily injuries for third-party individuals in case of a car accident. If your individual state follows a tort system, medical payments coverage is available to pay for medical bills for both yourself and any passengers in your vehicle.

If you are planning a vacation and/or participating in adventure sports that include potential dangerous activities such as skydiving or bungee jumping, it’s not a bad idea to look into travel insurance either. Because health insurance does not cover auto or travel insurance, you leave yourself susceptible to injuries with very high medical bills.

Living without health insurance can be extremely difficult because sometimes accidents and illness are unavoidable. Living a healthier lifestyle both though diet and exercise changes, adding health coverage through auto or travel insurance and utilizing resources around you can help reduce the stress of living without health insurance until you are able to get the coverage you desire.

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