Tag: Reduce

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Americans have been told to diligently monitor their cholesterol levels, and if it rises above specific thresholds, 200 for total cholesterol and 130 for LDL, they need to take steps to bring it down to acceptable levels. This is important if we are to avoid heart disease. The result is that about one fourth of all Americans 45 years and older are taking a statin drug, according to the National Center For Health Statistics. While these drugs are successful at improving lipid profile, they are expensive and may cause side effects. Another option is to start an exercise program. Not only can you bring your cholesterol levels down, you would also enjoy the other benefits of an active lifestyle such as better energy, improved mood, and a stronger immune system.

Exercise can improve lipid profile by decreasing LDL and increasing HDL. This is done in a variety of ways. One of the most obvious ways is by allowing you to maintain a healthy weight, which is associated with lower LDL levels.

Researchers also believe that there are 2 other ways that exercise can reduce LDL. The first way is that exercise increases the size of the proteins that carry cholesterol through the blood. Smaller denser particles are considered more dangerous because they can get into the linings of the heart and blood vessels and cause damage, so keeping these particles larger reduces the risk of heart disease.

The second way is that exercise stimulates enzymes that help remove LDL from the blood and blood vessel walls and moves them to the liver for excretion. This is important because the body needs cholesterol for healthy functioning but it needs a way to get rid of the cholesterol when it is done with it. This process is a way of staying balanced.

Exercise can also raise HDL levels. Most studies have shown that aerobic exercise can increase HDLL by 3-6%.

So what kind of exercise is most effective for cholesterol levels? Research has shown that intense exercise is effective at improving levels, while less intense exercise is effective at maintaining levels. An elliptical trainer is a versatile fitness machine that will allow you to design a workout routine that will achieve either of these goals. If you are a couch potato and want to become fit you can start our slow, then use the features of the elliptical, such as resistance, incline, and strides per minute, to gradually increase the intensity as your fitness improves. The lower rate of perceived exertion, which means your body is working harder than it feels, makes it easier to maintain intense exercise levels. Since an elliptical workout is low impact, you can enjoy the benefits of fitness even if you have joint problems. And the pre set programs allow you to vary your workouts which will help avoid burnout.

Maintaining health cholesterol levels is important if you want to live a long and active life. A regular exercise program on a new or used elliptical trainer can give you a healthy lipid profile without the use of expensive drugs that may cause side effects.

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Source by John S Broderick

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Almost everyone can see the logic of carrying a high-deductible health insurance plan to protect against the major unexpected expenses. Yet a high deductible can make some people a little nervous. Even a short trip to the emergency room to get stitches can cost several hundred dollars. If you break your leg skiing, the cost could quickly run into thousands of dollars.

Fortunately for people with these concerns, inexpensive supplemental accident plans are available which can reduce your deductible to just $100.

Though any type of medical expense can sneak up on you, most chronic illnesses provide clues long before they get serious. If you’re overweight, if you have digestive issues, or if you have a difficult time climbing a flight of stairs, you’re aware that you have health concerns long before your doctor or insurance company knows. But nothing sneaks up on you faster than an accident.

How Accident Plans Work An accident plan won’t pay a penny if you get sick, but if you have an accident and go to the doctor, emergency medical clinic, hospital emergency room, or even if you’re admitted to the hospital, they’ll cover 100% up to the set limit after a $100 deductible.

Some insurance companies offer these as options with their plans, or you can purchase an accident plan separately. These stand-alone accident plans will pay up to $5,000 or $10,000. And they are very reasonably priced, ranging from $32/month for the $5,000 plan for an individual, to $42 for a $10,000 plan for a family.

How Accident Plans can Work with Your HSA Having an accident plan can be a great way to buffer the risk that comes with a high-deductible health insurance plan. Let’s say you have a $5,000 deductible on your HSA plan, and it then pays 100%. In that case, you may want to consider adding a $5,000 accident plan to your coverage. If you were to have an accident that led to an emergency room bill of $800, you would only be responsible for $100.

If you were to have a very major accident that required hospitalization, your accident plan would pay $5,000 after you paid the first $100. This would cover your deductible on your HSA plan, which would then pay 100%. Your exposure would only be $100.

Another money-saving strategy you may want to consider is raising the deductible on your HSA (which will lower your premium), and adding an accident plan.

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Source by Wiley P Long

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