Wednesday, May 1, 2013

What are some ways to prevent high blood pressure and heart disease if it is hereditary?

Q. My mom and dad suffer from high blood pressure,high cholesterol. It run on both sides of the family,that along with diabetes and heart disease. My mom started taking blood pressure medication young,in her later 20's. My dad suffered from a stroke due to high blood pressure. I am 22yrs old and do not want to suffer this especially while young. Are there any ways I can be proactive about not suffering from those conditions now and later on in life being that it is hereditary? Or do I not have a chance in preventing it?

A. Keep your weight down through diet and exercise. And don't have stress in your life. That is all you can do.

If the heart disease has been mostly in one form, then consider testing for it now while there are no symptoms. It might provide problems getting health insurance, but you will be able to take steps to limit future problems. And vote democrat to ease the future insurance coverage problem as republicans are against people with heart disease getting insurance.

If you have a heredity disease it will probably already be detectable. Some forms of cardiomyopathy will appear in the late teens. Many highschool athletes have died from it. How quickly it advances depends in part on your lifestyle.


What will insurance cover with a preexisting health condition and new pregnancy?
Q. I have a preexisting health condition (Graves Disease) and might be pregnant. What will my carrier cover and how do I find out? Will I need a lawyer to help me sort it out with them?

A. You will have to call your insurance company and find out what they cover.

You don't need a lawyer, to find out what they cover. That's a waste of your money. All you have to do is call them.

There are thousands of different plans out there, so no one here could possibly guess what YOUR plan covers.


Are any of these supplements a concern for someone with kidney disease?
Q. Autosomal Dominant Polycystic Kidney Disease (ADPKD)

Ginkgo Biloba
Garlic
Fish Oil
coQ-10
Baby Aspirin
Claritin or Zyrtec


And medicines Pravastatin & Lisinopril/hctz.

Thanks.

Apparently I have a 50% chance of having Autosomal Dominant Polycystic Kidney Disease (ADPKD). No insurance and if I ask my Dr about it, I can never get insurance.

A. I'm not aware of any of these causing problems in compromised kidneys. Some family members of mine have igA nephropathy, and all they're told is to stop smoking, alcohol, and caffeine.

You CAN go to Canada or Mexico to get tested. If you're over 30, the tests are 100% reliable.


What term life insurance companies do not require your dna?
Q. I want an insurance company that won't invade our last bit of privacy - our DNA. Once they have your DNA they can make all kinds of determinations about you, health, personality, all kinds of things. Years ago reasearchers were willing to pay $5,000. US Dollars to get you to donate your very private - unique only to you dna to them. Now insurance companies get us to pay them to take it from us! Is anyone aware of a company to buy term life ins. without DNA sample?

A. Are you more worried about your privacy or more about the unknown medical disease you may have? I know people who thought they were healthy and then later found out they have cancer. There are people who have high cholesterol level and they thought they were healthy too. These medical tests are done for free at the expense of the insurance company. It can provide information about you that you are not aware about. If there's anything wrong you, at least you can start treatment to live longer.

Anyway, if you buy a small coverage of less than $50k, then the company won't do medical underwriting. If there is a company that does no medical underwriting at all and you have over $100,000 in coverage, you better read your life insurance policy. There's a high probability they won't pay. Such companies require your health to stay the same throughout the life of the policy. Knowning human conditions, your health deteriorates as you get older.





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