Medical debt can be quite taxing, physically and mentally of course.  There are so many other people who have to work on it before it gets out of hand. And once it does gets out of hand, then it’s hard to avoid falling into the pitfall of bankruptcy.

In America alone, majority of the natives are suffering from the burden of medical debt, due to the growing [price of pills, medications, injections and surgeries.

The only way to avoid it is by living a healthy life, which is quite impossible in this high working lifestyle. Therefore, you have no other way but to handle such problems, from start till end.

Reasons behind growth of medical bills

Now, there are multiple reasons for those ever growing medical bills. Falling into sudden injuries or illness will be the major cause for medical bill growth. No one is expected to know about the time when they are going to fall ill, so that they can prepare otherwise.

Therefore, emergencies are the main reason behind certain growth in medical bill. Furthermore, you have insurance companies, which are working to make this payment a bit more difficult sometimes. All these points have to be considered as reasons, while working on the medical expenses right now for sure.

Dealing with the growing bills

Whenever you are planning to tackle medical bill, you have to deal with more beyond just hospitals and doctors. You have to deal with your health insurance firms, as well, and get along with the debt collectors now. There are certain medical establishments, which are quite aggressive when it comes to collecting debts.

These firms might even sue you or can even convince you that you won’t be able to seek any medical treatment further if you owe them money. Want to know more to get rid of that problem? Then you might have to check online and gain some important information on the topic.

Facing credit card debt is common these days but it is always a wise idea to plan well and take necessary steps in order to solve your debt issues in the initial stages so as to get relief easily.

Checking on the bills

After gaining all kinds of medical treatments, it is time to confront the bill. To be on the safer side, ensure to check the bills if those are accurate. If you have any doubt on any particular sector, do not forget to check that out.

With the addition of taxes and what not, you are bound to pay some bucks extra. So, get to understand those calculations straight and match that with the bills to ensure that the hospitals are not playing any tricks on you.

Avoid the overcharges now

Some hospitals are clever enough to add overcharges while making a patient’s bill. As there are so many small checks included so most of the time patient party avoids falling into this pit of checking the bills in details.

Avoid being such a loser and go through the bill thoroughly to avoid overcharges, or charges for those services, which you didn’t even receive. Once you are through with the points and packages, half of your work is done. That way, you can prevent your opportunities to fall into medical debt more and get rid of payments immediately.

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There is a link between your financial situation and mental health. The psychological state is affected adversely by obligations. High financial debt is associated with depression, stress and high blood pressure. 

Mortgage is good for peace of mind

Researchers have shown that people who have obligations have a higher incidence of psychological health problem. The common psychological illnesses individuals face are anxiety disorders, depression and psychotic disorders.

• Suicidal tendency

An even stronger link is established between debt and suicide. People confronted with problems of debt are more likely to commit suicide or will have a suicidal tendency.

• Substance abuse

They are also dependent on alcohol consumption and drug abuse. Studies have shown that unmarried people, people who have retired and those who did not study much are prone to stress related to credit cards and outstanding bills.

• Distress is more in case of home renters

In case you have an unsecured debt, then you may face serious health problems. On the other hand, a mortgage does not pose to be a threat, especially to psychological well being. It is seen that psychological anguish is lower in the case of homeowners compared to people renting properties.  

• Financial insolvency leads to distress

Of course, the risks of psychological problems are lower only when you are in a financial position to make timely payments on your mortgage. It is often seen people who are going through problems such as loss of jobs or marital disharmony resulting in divorce have the same level of distress similar to people struggling to pay their mortgage payments.

Difficulty in paying bills

Always worrying about obligations will lead to an increase in stress level and reduction in resilience. Psychological problems cause instability, and that interferes with appropriate financial management. These kinds of diseases affect self-control and lead to atrocious spending. They may lead to concentration problems and this may have a detrimental effect on the job situation, and you may end up losing your job. This will result in experiencing difficulty in paying bills. Credit card debt consolidation is a great way to solve your debt issues in an easy manner. It is an effective way to get relief from your debt related issues that too in a systematic manner.

Tackle both problems

You can solve the problem of debt. To address that problem, you need to have a strong bent of mind. If you are suffering from depression or anxiety attacks, then your mental issues may come in the way to solve that problem. On the other hand, if you are overburdened with obligations, then taking care of your psychological problem will not be feasible. Irrespective of which matter comes first, both the issues of mental health problems and debt have to be tackled simultaneously. You can cope with your debt if your mental health is good. If your financial situation is organized, then your mental state will be better.

Always monitor

If you had past problems of these kinds, but you are not experiencing anything now, then also watch out. You should monitor your bank balance and take good care of your mental health. If you have recognized the connection between psychological distress and improper handling of finance, then you must have understood the values of both and the ways you have to nurture both.

Why is the word debt so traumatic? This is because debt is not just about money. It is about a lot of psychological feelings associated with it. Any debt is capable of causing severe emotional distress. An average individual has credit card debt, car loans, medical debt, mortgages, educational loans and various other obligations.

The impact of debt differs from person to person. Those who struggle to pay off the debts are more likely to face serious health issues compared to those who did not have to go through this dreadful experience.

Economic scenario of the downtrodden class

The financial scenarios of many countries have unemployment as the major issue. As unemployment is on the rise, the unemployment insurance benefits are also likely to be exhausted.

• Drying up of savings

As an individual’s debt increases, his savings are drying up. When people are facing a significant debt crisis, they are likely to suffer health wise.

• Health problems

Those with high debt stress have reported health problems such as ulcers, digestion problems, frequent migraine and headaches and backaches.

• Chronic stress

Chronic stress results in the release of harmful chemicals which disturb the equilibrium of the body. These chemicals cause severe harm to the vital body systems such as blood pressure, memory and immune system.        

• Poor people trapped in vicious cycle

The ongoing debt problem coupled with insufficient income worsens the situation. The low-income families are trapped in this vicious cycle of insufficient income, ill health, piling bills and inability to afford medical amenities.

Government supported centers providing health care

There are many centers which are backed by the government providing health benefits to the poverty stricken communities. Many programs are available for low-income people and also for those people whose income levels are subject to fluctuations.

For enrolment in these programs, various strategies are utilized. The centers work closely with the states to identify and enroll people who are eligible for these programs. Guidelines are available which informs in details about the eligibility criteria.

Presumptive eligibility is employed as a tactic in some states to avail of the services of those programs without having to wait for the full processing of the applications. In certain case, states may grant authority to qualified entities to provide assistance regarding screening of these applicants and also to decrease the administrative burden on the states.

Continuous coverage

State agencies may also provide one-year continuous coverage for the children even if their family income has changed during the year. Giving a guarantee of continuous coverage helps in ensuring that the children are provided appropriate health care.

It also helps in developing a bond between doctors and the children along with their families. This helps in preventing wastage of time and money of the government by the elimination of unnecessary paperwork.

Providing quality care

These programs are focused on simplification of health care process and working efficiently to provide quality medical care to low-income individuals at lower costs. Even prescription drugs are provided at nominal amounts for the financially challenged people.

There are so many people in today’s time who are struggling with credit card debt issues. The craze of using credit card is increasing day by day and with it is increasing the cases of debts.

Credit card debt consolidation loan is an effective way to solve your debt issues in an easy manner. It will solve your debt issues and will provide you relief so that you can live a happy and tension free life.

ADHD (Attention Deficit Hyperactivity Disorder) is largely a fabricated condition that many children in the US are diagnosed with. If you read the symptoms of ADHD, you could easily put yourself into that category and the reason is much darker than you may think.

According to the Centers for Disease Control and Prevention (CDC), 6,4 million children between the age of 4 and 17 have been diagnosed with ADHD as of 2011. That number has surely risen since then, as the generations change, and that change in the generations’ behavior is a very easy excuse for the ADHD label.

The sad truth is that in the US, ADHD comes with a very arbitrary diagnosis and with highly addictive medications. In fact, Ritalin, one of the most widely prescribed drug that these children are forced to take, has a very strong potential of addiction.

So, why does the US treat these children with such harmful drug? If you take only these 6.4 million children that are fed Ritalin, the pharmaceutical companies receive an amount of $11.7 million for each tablet sold! We have calculated this by taking into account the price of a single tablet being $1.83.

Which is more unfortunate, it’s not only this number of children that is forced to chug the cocaine-like tablets daily. The number is much larger nowadays.

FORTUNATELY FOR THE CHILDREN IN FRANCE, THIS IS NOT THE CASE.

Indeed, France has decided not to destroy their youth for profit, so they define and treat ADHD much differently.

Instead of using APA’s Diagnostic and Statistical Manual of Mental Disorders (DSM), the French psychiatrists refer to an alternative system created by the French Federation of Psycology, Classification Française des Troubles Mentaux de L’Enfant et de L’Adolescent (CFTMEA).

Thanks to their system, ADHD is not treated like a neurological disorder (like in the US).

In fact, France defines ADHD as a sociological disorder, and their definition is much narrower. The difference in the approach is largely because the DSM doesn’t consider underlying causes.

The French psychiatrists have a more holistic approach and prescribe medications very rarely. Before stamping the child with ADHD, they first look at many underlying causes. One example is their diet, as poor or some unhealthy eating habits can influence a child’s behavior.

Of course, many psychological causes can contribute to the false image of ADHD, as children can also go through a lot in their lives. However, many of the ‘hyperactive’ behaviors are normal for children, and the French are well aware of it.

This is why children in France are diagnosed are less than 0.5%, compared to the USA’s official 11%.

So, is your child treated for ‘childhood’? You should consider that many of the ‘symptoms’ that correlate with ADHD really correlate with normal child behavior. Some children may have a bad time handling their surroundings, or perhaps they are very creative and full of energy.

Consider looking into what your child is being chugged down the throat and for what reason.

SPREAD THE AWARENESS!

Sources:
International Classification And Diagnosis: Critical Experience and Future Directions (french-classification-for-child.pdf)
Diagnostic and Statistical Manual of Mental Disorders Fifth Edition (dsm.psychiatryonline.org)
Attention-Deficit / Hyperactivity Disorder (ADHD)

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