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People often do not prioritize their health and visit the hospital or their doctors while detecting some disease-causing symptoms in their bodies. However, preventive care is the best possible way everyone can undertake and cease the risk factors before the symptoms become dangerous and life-threatening. The following article will focus completely on preventive health care and how it helps reduce further costs involved with healthcare.

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What is Preventive Care?

Preventive health care or prophylaxis involves the measures that people consider for preventing any diseases. The form of healthcare includes utilizing medical services or precautions that fight against the potential health crisis. It is the most important step that people can adopt in better management of their health.

Several factors such as genetic predisposition, lifestyle, environmental factors, and disease agents affect people’s health. Hence, everyone must undergo periodic health check-ups and screening tests from the doctors.

People opt for preventive health care for maintaining better health, and eliminating the disease becomes serious. Preventive care in conjunction with medicines will save a patient from health breakdown and save money from future expenses, especially if the patient is suffering from a chronic disease.

What are the Preventative Care Services?

Here are some of the examples of preventive health care services, along with their frequencies. ·

Annual Check-up (1 per calendar year): During the annual check-up, the doctor or Primary Care Provider (PCP) checks all areas of a person’s health, including physical and psychological. Examining the patients in detail helps in detecting any health care concerns in the early stages.

· Flu Shot (1 per year): Most health plans include flu shots and protect the patients from all strains of flu viruses.

· Mammogram (1 calendar year, after the patient attains the age of 40 years): Patients over the age of 40 must undergo routine x-rays of breast tissues and check for signs of cancer and other abnormalities. Some health plans might cover the costs of 3D imaging. ·

Colonoscopy (usually once in every decade after the age of 50) for detecting colon cancer.

· Vaccinations, including boosters for such as measles, rubella, polio, etc. administered during childhood.

Preventive health care helps keep people productive and active, enabling them to earn well during their senior years. Studies show that approximately 35% of people have to consider early retirement, even before they are financially ready. Opting for affordable, preventive care helps in reducing the numbers.

Why Should Patients Opt for Preventive Care?

Access to preventive health care helped reduce healthcare costs among Americans, as the physicians can prevent or treat the disease before the patient needs emergency room (ER) care. Almost one-third of costs in America include hospital care, which is undoubtedly very expensive. In 2010, 21.4% of adults paid at least a visit to the emergency room, which reduced to 18.6% in 2017. Adults not having affordable access to preventive care are more likely to pay a couple of visits to the emergency room.

Statistics show that 7% of the adults in the age group of 18-64 paid visits to the ER in 2014, as they had no other option, regardless of their health insurance status. About 77% of Americans went to the emergency rooms due to complications in their health, including those whose doctors advised them for emergency room care. Approximately 15.4% of uninsured adults in 2014 are more likely to use the emergency room, as they lacked other providers.

Undoubtedly, the cost of ER care for uninsured patients was extremely high. Hospitals provide care, even if the patient fails to provide fees for their services. As hospitals must recover the cost, they shift to Medicaid and health insurance premiums, which increases the healthcare cost for everyone.

Impact of Preventive Care Cost on Health Care Costs

Chronic diseases are the major leading cause of death among people, either preventable or manageable with regular visits to health care. These include:

· Heart diseases

· Cancer

· Stroke and

· Chronic lower respiratory diseases

Poor nutrition and obesity are the leading cause of heart disease and stroke. Genetics and smoking lead to lung cancer, which is the most common type of cancer. Obesity also risks several other forms of cancer.

Treating these chronic diseases is expensive, even before they reach emergency room status. Approximately 90% of the 3.5 trillion USD includes health care expenditures for people suffering psychological problems and chronic diseases. Patients who never went for preventative care or did not have any prescription coverage failed to afford the treatments, screenings, regular check-ups, and medications that would manage the underlying conditions of the disease. Instead, they head up to the emergency rooms with cases of strokes, heart attacks, and other complications.

However, with regular access to affordable, preventive care, the patients were more likely to discover and manage their chronic conditions. Doing so lowers the chances of visiting the emergency rooms and investing more into expensive treatments for those diseases, which passed regular management. With the decrease in the expenditure for treatments, the overall healthcare cost also decreases for everyone, as the hospitals no longer try to cover the treatment cost of the uninsured patients.

When and What Preventive Health Care is the Most Suitable?

A patient’s primary health care provider will help him or her coordinate the most suitable shots and tests. While analyzing the beneficial shots, the health care provider will consider certain aspects such as family history, age, sex, current health status, and several other factors.

Conclusion

Preventive health care often covers 100% of health plans and offers the patients several benefits both in cost and health. However, if the patient experiences doubts or are in dilemmas about the things covered and tests conducted, he or she must communicate with the physician at the earliest.

Everyone knows, “health is wealth.” If a patient is healthy, he or she will perform the best. However, it is also important to adopt a healthy lifestyle, reducing the risk factors and saving the patients from spending money on medicines.

Skin pigmentation is a nasty issue affecting the lives of many women every single day. Luckily, with the help of modern technology, controlling skin pigmentation is easy and reliable. There are many effective pigmentation treatment options, but laser treatment is considered one of the most popular. Here is a list of things that will make laser treatment for your skin hyper-pigmentation extremely effective.

Choose The Right Clinic
There are a lot of factors that can affect your treatment, but the most important one is the clinic that you choose for your treatment. Consider everything before committing to one. Look up ‘top Dermatologist near me’ and start your clinic search from there. Read customer reviews about the clinic, especially on third-party websites. This will give you proper insight into things that you can’t really test beforehand, for example, the professionalism of the staff or post-treatment support. Secondly, don’t choose the cheapest option. If a clinic is offering rates that are significantly lower than the rest of the market, that’s a giant red flag. Stay away from these kinds of places. Sure, it could be true that they are just good and want to help as many people as they can, but you don’t want to test this hypothesis with something involving lasers and your skin.

Pre-Treatment Preparation
Laser pigmentation treatment is a complete process that requires some pre-planning on your part. You can’t just wake up and head for the treatment; you need to do some preparations. The first of these measures is getting thoroughly cleaned. Your skin should not have any lotions, oils, or ointments on it. The next thing to think about is sun exposure. Make sure to minimize it as much as you can before the treatment. One thing that not many people know about, is that the dermatologist would like to recommend some medications a few days before the laser treatment. Do not skip these medicines, as they help in improving the overall outcome of the treatment. Follow the instructions of your dermatologist as the instructions are for your safety and to ensure that you get the best possible treatment.

Recommended Reading: Pigmentation Treatment in Mumbai – Cost, Before and After Results, Laser Treatment

Post-Treatment Care
After the laser skin lightening process, you may experience redness, swelling, mild irritation on the treated area for a few days. Ask your dermatologist about the possible downtime and how to speed up the recovery process. You can use post-laser gel on the treated area for up to ten days after the treatment or until your skin is completely healed. This is to help keep your skin hydrated and to speed up the healing process. Things that you should completely avoid are sun exposure, strenuous exercise, and aggressive washing or exfoliation. This is to prevent scarring, which will defeat the whole purpose of the treatment in the first place.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?