Lamar Odom’s cry for help illustrates value of mental health care, coverage

There is a greater emphasis on recognizing and receiving treatment for issues such as grief, anxiety, and depression, all of which fall under the umbrella of mental health.

There is a greater emphasis on recognizing and receiving treatment for issues such as grief, anxiety, and depression, all of which fall under the umbrella of mental health.

Lamar Odom is in critical condition in a Las Vegas hospital after reportedly losing consciousness while indulging in a weekend filled with drugs, all while battling untreated mental illness.

Lamar Odom is in critical condition in a Las Vegas hospital after reportedly losing consciousness while indulging in a weekend filled with drugs, all while battling untreated mental illness.

By Charles Glover, Jr.

As people flock to social media to offer prayers for former NBA star Lamar Odom, who won two championships with the LA Lakers and is now fighting for his life in a Las Vegas hospital, his struggles with drug addiction and untreated mental illness have surfaced.

 

Mental Health Awareness week was October 5 – 10, but the importance of receiving the necessary treatment for mental health issues cannot be understood in a week. There have been concerted efforts by many advocates and associations to preach the significance of addressing issues that impact mental health and encourage individuals to seek help, instead of suffering in silence.

Mental Health awareness week may have just ended but the issue of dealing with mental health issues is a daily struggle for many.

Mental Health Awareness Week just ended but the issue of dealing with mental health issues is a daily struggle for many.

One of the major impediments to receiving mental health treatment is the perception that the treatment is too expensive.

Many people are unaware that most health insurance plans now include mental health care as part of the basic plan. In fact, thanks to the Affordable Care Act, mental health can no longer be used to exclude individuals from coverage.

new adAccording to Healthcare.gov, “all Marketplace plans cover mental health and substance abuse services as essential health benefits.”
All healthcare plans must cover:
•Behavioral health treatment, such as psychotherapy and counseling
•Mental and behavioral health inpatient services
•Substance use disorder (commonly known as substance abuse) treatment

These inclusions are designed to reduce the financial impact of receiving treatment for many issues that fall under the umbrella of mental health. Among those issues that qualify as mental health concerns are grief, anxiety, and depression as well as other more severe diagnoses.

A list of diagnoses covered under mental health.

A list of diagnoses covered under mental health.

The other huge impediment to receiving mental health treatment is the stigma many feel is associated with being diagnosed with a mental illness.

This concern is recognized as being a considerable problem in the African-American community which is why education and awareness is so vital with this issue. Untreated mental health conditions can lead to suicidal and homicidal thoughts and actions.

Acknowledging that there are personal problems that are beyond your understanding is a good step in the right direction. The next step is to contact your insurance advisor and make sure you have a plan in place to deal with mental health concerns.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets. 

Contact me directly at (646)309-1938 for your health insurance questions and concerns

3 Health Insurance tips to prepare for open enrollment after job loss

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By Charles Glover, Jr.

Adults confront many challenging options in trying to maximize income and secure adequate health insurance coverage to protect their families. Yet the issue of healthcare extends beyond receiving the best care, it includes paying for those services. After a life-altering event, such as a job loss, preparation and proactive measures are essential to proper healthcare planning, especially as the November 1 start of the open enrollment period looms.

In the state of Georgia there are hundreds of people dealing with job losses each week. This has a serious impact on each individual in the household and raises many concerns because unresolved healthcare needs can be stressful, and many people find themselves scrambling for solutions. If you or someone you know has recently lost their job and need health insurance coverage, follow these steps:

Losing your job is beyond stressful as it can make it difficult to deal with basic needs. Talking to a healthcare professional can help ease those medical concerns.

Losing your job is stressful and makes it difficult to provide for your family’s basic needs. Talking to a healthcare professional can help ease medical concerns.

1. Assess the immediate health needs of the family.
Some medical issues are more pressing than others so it important to know what medical concerns need to addressed first. This knowledge will help narrow your search for the proper care and coverage.


2. Speak with a licensed insurance professional.
Many people have familiarity with health insurance, but there are plenty of nuances that exist within the complexity that is the healthcare system. Speaking with a professional is akin to meeting with an accountant during tax season. It much more likely that all of the concerns of the family, including the need for supplemental and life insurance, are addressed.

3. Have a budget set aside to address medical needs.
Employment status aside, healthcare needs can be stressful, especially if there are concerns related to paying for medical services. Unfortunately, many people will not receive the proper medical attention they need because they think they cannot afford it. A meeting with an insurance professional can help ease the expected financial burden by exploring the most affordable coverage for the family.

ad smallHealthcare concerns are heightened when someone loses a job but it is important to remember that without your health nothing else is possible. In addition to these tips, learn about supplemental and life insurance when you speak with a licensed professional. Affordable healthcare can be just a phone call away. Part two of this series continues next week.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets.

Contact me directly at (646)309-1938 for your health insurance questions and concerns.

 

 

NFLPA joins civic groups to highlight men’s health on January 24

A father enjoys quality time with his daughters.

A father enjoys quality time with his daughters.

On January 24, the U.S. Department of Health & Human Services and the National Responsible Fatherhood Clearinghouse (NRFC) will team up with the NFL Players Association (NFLPA), Affordable Care Act (ACA) health care navigators, community agencies, and barbershops across the country to provide fathers with key tips, information and strategies that focuses on men’s health, encouraging fathers to “Take Time to be a Healthy Dad Today.”

The January 2015 Fatherhood Buzz: Men’s Health Matters will kick off on Friday, January 16, 2015 in Los Angeles, CA with the NFLPA. The kick-off event will set the stage for the national Fatherhood Buzz on Saturday, January 24, 2015. Barbershops and community partners nationwide, along with the NRFC, and Affordable Care Act (ACA) health navigators, will be partnering supporting father’s and families to learn more about health services in their communities.

A father reads with his children.

A father reads with his children.

The focus on men’s health is important because fathers who model a healthy lifestyle can have a powerful and positive impact on the development and health of their children. In fact, a number of studies have found that children who have actively engaged fathers are more likely to have good physical and emotional health, to achieve academically, and to avoid drugs, violence, and delinquent behavior.

This is also a significant time to talk about men’s health because of the new opportunities for health insurance coverage made available through the ACA. Millions of men will be eligible to be covered and receive access to preventative and care services that are critical for promoting and maintaining good health.

Two children shower their father with hugs and kisses.

Two children shower their father with hugs and kisses.

Get Involved by contacting Dial-in # (605) 562-0020 http://listserve.icfi.com/content/preview_in_new_window.tml?DocPost=c087fd120ce508d49cb833f6da6d38a2#>
Meeting ID: 623-401-964#

For more information email info@fatherhood.gov<mailto:info@fatherhood.gov> or call 1-877-4DAD411 [1-877-432-2411].

The National Responsible Fatherhood Clearinghouse is a service of the U.S. Department of Health and Human Services, Administration for Children and Families, Office of Family Assistance.–OnPointPress.net.

 

 

 

Fickle Democrats shun President Obama, expect defeat in Senate, key races

President Barack Obama has campaigned with candidates who valued and respected the impact he brings to their race.

President Barack Obama has campaigned with candidates who valued and respected the impact he brings to their race, such as Senator Cory Booker in New Jersey.

By Carmen Glover

On Tuesday, November 4, 2014, between 6:00 a.m. and 9:00 p.m., American citizens go to the polls to determine the balance of power in the midterm elections. At stake is the makeup of the US Senate, where the Democrats have a tenuous lead, entering the election, with six seats up for grabs. If political pundits and polls are to be believed, the Democrats are in for a bloodbath of loses in the Senate, House of Representatives and in local races across the land. This is expected generate more gridlock in Congress as the Republicans continue to stymie the President’s efforts to continue steering the country on the path of economic recovery.

President Obama has released campaign videos supporting Senator Cory Booker's re-election bid. Booker holds a commanding lead against his opponent entering the midterm elections .

President Obama has released campaign videos supporting Senator Cory Booker’s re-election bid. Booker holds a commanding lead against his opponent entering the midterm elections .

In the months leading up to Election Day there has been a very curious phenomenon: With very few exceptions, Democrats have shunned President Barack Obama, refusing to be seen with him as they run briskly from him, his record and his oft-described “low approval rating.'” In fact, Kentucky Democratic Secretary of State Alison Lundergan Grimes took almost two minutes to deliver a convoluted non-answer in a recent debate, when she was asked by the moderator if she had voted for President Obama. Citing her role as the Secretary of State, she described her job to ‘protect privacy’ at the ballot.

Kentucky Secretary of State and Democratic canidate for U.S. Senate, Alison Lundergan Grimes addresses the Kentucky County Judge Executive Association and the Kentucky Magistrates and Commissioners

Kentucky Secretary of State and Democratic candidate for U.S. Senate, Alison Lundergan Grimes snubbed President Barack Obama repeatedly, refusing to utter his name, and going through verbal contortions when asked by a moderator if she had voted for the President. She is expected to be trounced decisively by Senator Mitch McConnell, who said his “number one priority is to make Barack Obama an one-term president.”

She then spoke about her right to privacy before providing more details in her painful, meandering response.  At no point did it appear to occur to her to keep it simple with a firm: “Yes, no, no comment, or I choose not to disclose.” For her efforts, rightly or wrongly, she is trailing Mitch McConnell, who famously announced in 2008 that his number one priority in the Senate is to “make Barack Obama a one-term president,” a goal that he failed to achieve. In her advertisement she fires a shotgun then faces the screen and declares dramatically: “I am not Barack Obama.”

Emboldened by Lundergan Grimes’ abysmal performances and rigid determination to run from President Obama and his record of achievements, McConnell is expected to win his seat handily, with numbers-crunching guru Nate Silver predicting on November 2, that McConnell’s path to victory is 97 percent assured.

President Obama campaigns with Governor Dan Malloy in Connecticut on Sunday, November 2, in an effort to ensure that Malloy keeps his gubernatorial seat.

President Obama campaigns with Governor Dan Malloy in Connecticut on Sunday, November 2, in an effort to ensure that Malloy keeps his gubernatorial seat.

Lundergan Grimes’ antics makes it necessary to illustrate exactly which record she and other Democrats are trying hard to ignore. Among the incredibly successful record that President Obama has racked up in the face of Republican obstructionism and downright hatred due to his ethnicity are the following: Taking the country from recession and alarmingly high unemployment rates to presiding over continuous job growth and an unemployment rate of 5.9 percent versus the 7.3 percent rate he inherited from George W. Bush; passing the Affordable Care Act (ACA), often called ‘Obamacare’ which ensures medical coverage at affordable rates to citizens, signing an executive order in the early days of his presidency championing equal pay for women and rescuing the automobile industry in Detroit, Michigan, when pundits urged him to walk away.

President Obama campaigns in Detroit, Michigan on Saturday, Nov 1 with, from right , Senate Candidate Gary Peters and Gubernatorial candidate

President Obama campaigns in Detroit, Michigan on Saturday, Nov 1 with, from right , Senate candidate Gary Peters and Gubernatorial candidate Mark Schauer.

Other victories achieved by the President include improving the Gross Domestic Product (GDP); presiding over declining gasoline prices which are now below $3 nationally; boldly speaking up in support of gun control in the midst of weekly murders of innocent children across the country; ridding the world of master terrorist Osama Bin Laden; fighting back against ISIS with airstrikes while holding firm in refusing to commit boots on the ground; keeping his word by pulling troops from Afghanistan and Iraq.

Mary Landrieu, (D-Louisiana) appearing with President Obama.

Mary Landrieu, (D-Louisiana) appearing with President Obama, while cautioning that because of his ethnicity, he might not be warmly welcomed in the south.

Also, President Obama has been specific in addressing the plight of Black and Latino males with his ‘My Brother’s Keeper” Initiative; restoring global respect for the country by embracing cooperation with foreign policy leaders and last but not least, conducting himself like a respectful, cooperative leader who tried more often than he should to reach across the aisle and foster cooperation with the Republicans who have been blinded by their racism and hatred to the point that they shut down the government a year ago rather than do their jobs because they feared handing the President a victory.

At least Senator Mary Landrieu (D-Louisiana), has been honest in stating what many of her peers are thinking: because of his ethnicity, the President might not be treated as warmly in southern states such as her home state. Ironically, as the Democrats flee the President and his record of achievements, they are desperately trying to woo Black and Latino voters, who support the President in large numbers. If the Democrats lose as colossally as predicted, do they have anyone to blame but themselves for running from a record and a President that common sense indicates they should be proud to embrace?-OnPointPress.net.

Today is deadline for January 1 healthcare coverage

President Barack Obama.

President Barack Obama.

By Carmen Glover

Despite all the controversy swirling around President Barack Obama’s signature healthcare legislation, the Affordable Care Act, one deadline has not changed: Today, Monday, December 23, 2013, is the last day for people to sign up for healthcare coverage in order to have their heath insurance policies in place for January 1, 2014.

The Affordable Care Act, often referred to as “Obamacare,” launched officially on October, 1, 2013, coinciding with the government shutdown in Congress. While millions of people flocked to the HealthCare.gov website to shop for appropriate coverage packages, many were unable to shop for health care plans because of technological problems which plagued the site at the time of its launch and for the entire month of October.

“The glitches have been fixed and the buck stops with me,” President Obama said during his final press conference at the White House on Friday, December 20, 2013. “More than 1 million people have already signed up,” he continued, while repeating his oft-stated goal of having 7 million people sign up by the March 31, 2014 deadline. After that deadline is reached, the uninsured will be subjected to a fine if they fail to obtain health coverage. Up to 12,000 call representatives are expected to be available today to process inquiries about healthcare coverage and to assist interested healthcare shoppers, the President said.

The process of signing up for healthcare coverage has been relatively smooth in New York until Friday, when the site crashed for a short while due to the crush of potential customers flocking to the site to enroll before today’s deadline. The main reason why New Yorkers have had an easier time enrolling in healthcare coverage is because the state has its own independent healthcare marketplace, which is not attached to the official government portal. Several other states have their own independent healthcare marketplace as well, which have greatly expedited the enrollment process for eager healthcare shoppers.

To get more information about signing up for healthcare coverage, a good place to start is the official government website, HealthCare.gov. The site directs shoppers to the marketplace exchanges, including independent, state-run websites. The most attractive feature of the Affordable Care Act is that “It does not allow insurance companies to discriminate against people with pre-existing conditions,” President Obama has said repeatedly. One thing is clear: No one who needs healthcare coverage should go without, or incur a fine, without first exploring what is available and how that fits into the family’s budget. So go ahead, take your time and shop around for the coverage that best meets your family’s needs.–OnPointPress.net.

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