Deciding Whether to Place Your Teenager on Psychiatric Medication

Wondering if your teenager needs medication is something that can weigh heavily on the minds of parents. Parents often wonder about medication if their teenager begins behaving differently, is struggling with being able to pay attention in school, has significant mood swings or seems to have a very low mood much of the time. Placing children on medication is a big decision and one which deserves both information gathering and a lot of thought.

Since every situation is different and there are no clear lines that dictate when a teenager should or should not be placed on medication, I cannot give specific advice about which types of behaviors warrant medication. However, I can give some guidance about how to make sure you are making an informed decision about medication.

1. Clearly outline the reasons you are thinking medication may be helpful. It is often helpful to keep a log of your child’s moods or behaviors that will help clarify what the concerns are, how long they have been occurring, how long they last each time they are present, how often they are occurring, what the response is, etc.

2. Look online to gather preliminary information. The internet is a great resource for information gathering and to begin to inform you about what your child may be experiencing, however, remember that each situation and child is different so don’t use this as your only source of information.

3. Speak with a professional. Many parents will use their teenager’s Primary Care Physician as the first professional they speak with. These individuals can be great resources for general information about what your child may be experiencing and can begin to educate you about what medications may be available if they feel they may be warranted. They may also refer you to have your child meet with a therapist (you should look for a licensed therapist who has experience working with children and teenagers) and / or a psychiatrist.

4. Therapist or Psychiatrist? Many times people are confused about these two roles. A very simple explanation is this – Therapists provide therapy or counseling and cannot prescribe medication, however, they are usually knowledgeable to some degree about medications as they relate to symptoms in general. Psychiatrists are extremely knowledgeable about medications but may not also do therapy which can be very helpful in addressing many issues with teenagers. Often times therapists and psychiatrists work as a pair to best meet the needs of individuals who may benefit from both therapy and medication.

5. Get more than one opinion. It is perfectly reasonable to get more than one opinion about the decision to have your teenager use medication. If something does not make sense, you should not hesitate to ask for clarification.

6. Make sure your teenager is informed. It is really important that your teenager understand what is taking place if you do decide to move forward with therapy and / or medication. This can be very scary for them or may make them feel “abnormal” which can result in resistance, sadness or anger. Being able to work with professionals who are sensitive to this will be critical for your teenager.

A book that I have found useful and which I have recommended to parents with whom I have worked is Straight Talk About Psychiatric Medications For Kids by Dr. Wilens. Being well informed is critical if you are in this situation so that you make the best decision you can for your teenager.

A Family Medical Insurance to Help Every Family Member

Family Medical insurance is probably the only thing you need to keep your family and your financial situation in a stable condition. It can actually be more affordable than you may have first imagined, so it is important that you start comparing different policies first in order to find out the one that will be the best for you and your family’s needs.

If you are looking for an affordable option, you may find that there are actually several ones out there that you have probably missed out on the first time. The best thing that you can do is to weigh all your plans first – how much is your budget for monthly premiums, how long do you want to avail of the health insurance, how often you want to visit the doctors, and other criteria that you will have to line out eventually. Once you already have a specific family medical insurance policy that you would want to attain, then it becomes easier for you to narrow down all your choices and pick out the best policy among all the ones in the market.

Remember to distinguish or clarify first if you really want health insurance for the company or if you are leaning towards availing an individual health insurance policy for every family member. Usually, the most recommended to have is an individual health insurance policy which will cover all the basic needs of an individual. This is so because every family member would have different health needs. For example, there would be a family member who has chronic illnesses and diseases, while there may be one who has a clean history of health. A family medical insurance ensures that all members would be given proper attention and be invested carefully upon. This way, even if emergency situations happen – like hospitalization or operation – the family will be able to smoothly go through all financial needs.

Another option would be an individual plan which can be extended to some family members. There are companies wherein they allow for their clients to have extensions to their already established health insurance policy. Usually, they will allow for one of two additions under a personal policy and make it easier to extend the coverage to certain members of the family. This particular family medical insurance is recommended for those who want their family to undergo routine check-ups and medical care, as they wouldn’t have a hard time lining up or setting up doctor’s appointments.

Top 5 Approaches for One to Decrease Business Medical Care Insurance Charges

Business medical care insurance is considered to be a primary control of performing business, particularly for small companies and mom-and-pop firms. With premiums soaring, many small enterprises are asking their employees to shoulder many financial burden or cutting benefits entirely.

The newest York-based Commonwealth Fund, an advocacy group for medical care reform, says business medical insurance costs average 18 percent greater than that relating to larger businesses. In California, medical insurance costs increased 10 % in 2006 alone, in line with the California Employer Health improvements Survey.

Those costs have proven too much for most small enterprises. In line with the U.S. Chamber of Commerce, greater than 45 million Americans are uninsured, and approximately 60 percent with the uninsured have employment with small enterprises.

In 2006, the common monthly cost for medical insurance for small group plans, which can be largely employed by small enterprises, was $311 each month, in accordance with a survey by America’s Medical insurance Plans, a trade group representing medical insurance companies. The common premium to get a category of four was $814 each month, the association reported.

Business medical insurance usually takes a massive chunk from the revenue, but benefits often attract better employees and help retain existing workers. Satisfied, healthy personnel are more prone to help your organization grow. In case you are struggling to offer medical insurance, follow this advice which could lessen your business medical insurance costs.

1. Keep employees healthy. Motorola Inc., as an example, has instituted a thorough wellness program that features disease management for afflictions for instance asthma and diabetes, and also gives flu shots, cancer screenings, smoking-cessation sessions plus a round-the-clock phone line staffed by nurses. The business found that for each and every dollar it invested, it saved $3.93, in accordance with a 2003 report from the U.S. Department of Health insurance and Human Services report, “Prevention Makes Common Cents.” Likewise, heavy machinery manufacturer Caterpillar estimates that its wellness program helps you to save the business $700 million by 2015.

Such wellness programs don’t just keep company accountants happy. They’re also favored by workers. Pharmaceutical giant Pfizer Inc. found that 85 % of the employees in their The big apple offices took part in one or more wellness program, understanding that 80 % used on-site facilities for instance fitness gyms or therapy, in line with the HHS report.

2. Reduce coverage. Cutting coverage or asking the workers to contribute more for the plans may well step to reducing business medical insurance costs. The negative effects with this strategy are always that it’s going to likely prove unpopular with workers.

It’s not unheard of for businesses to exclude dental and vision insurance, but speak to your employees to determine what they need covered. They may choose having dental and vision insurance along with a health checking account, for instance.

3. Consider health savings accounts. Health savings accounts are a preferred option for those who own smaller businesses. These tax-exempt accounts, that are accustomed to purchase certain medical expenses, could lower your small company medical health insurance costs while giving the employees regulations.

You must have a high-deductible medical health insurance intend to begin a health checking account. For instance, in 2007 the minimum deduction for people is $1,100; for families, it’s $2,200. Which means that you simply or the employees would need to pay $1,100 from your own pockets for health-care expenses for example doctors’ visits or prescriptions prior to being reimbursed through the insurance provider.

But you will find benefits: In 2007, employers, workers, and their own families can contribute tax-free as much as $2,850 for individual health savings accounts or $5,650 to see relatives accounts. These funds are only able to be employed to cover health-care costs, and employees may take their accounts together when they leave. The funds generally don’t expire.

Contributions and withdrawals are generally tax-free, and individuals can claim tax deductions on their 1040 forms – meaning employees don’t have to itemize to find the tax break. Employer contributions will also be tax-deductible for business people but are not required. Individuals may also setup health savings accounts.

To determine or take part in a health checking account, your only comprehensive medical health insurance could possibly be the high-deductible medical health insurance plan plus they should be agreed to all employees.

Health savings accounts benefit healthy employees that do not regularly see doctors. You or your employees can, however, have medical health insurance that specifically covers ailments, including certain diseases or illnesses, accidents, dental and vision care.

4. Join an organization. Small group medical health insurance plans cover between two and 50 employees, however, there are “group of one” insurance coverage for that self-employed that provide similar benefits.

The bigger your group, the low your premiums are going to be. Based on the America’s Medical health insurance Plans 2006 survey, 80 percent of small groups polled had 10 or fewer employees within their medical health insurance plans, and also the average monthly premiums for people was $330. Firms with between 26 and 50 employees paid $287 per month for single premiums.

In case your business has less than 10 employees, you are able to still partner along with other businesses or individuals and expand your group plan. Observe that health-care laws are governed through the states, so you will want to partner with individuals in your state.

5. Look around. Medical health insurance is really a huge business, so looking around for various providers could lower your small company medical health insurance costs. Begin by searching the web as well as ask other those who own smaller businesses the things they purchase medical health insurance. Insurance agents charges you fees, but you’ll saving time plus they can investigate medical health insurance plans for you personally. The National Federation of Independent Businesses partnered with eHealthInsurance, a national medical health insurance agency that provides you several quotes online.