Remote Area Medical free clinic continues 89.3 KPCC
29.04.10
The first patient Dr. Roger Fiedman, RAM dental director, saw on the first day of RAM taught the volunteers how to do dental triage. The fellow sat down and after looking at his medical history, Fiedman noticed the man was diabetic and had heart disease.
The man asked for a filling but once Fiedman looked in his mouth, he saw a different problem. The man’s gums were inflamed and sore and there were harmful deposits all around his teeth.
“With a patient like that who is diabetic with heart disease, that can almost be life threatening to that patient,” he said. “They have chronic inflammation of their gums so the absolute best service we could do for him was to clean his teeth, get it all off and get his gums healthier. It can actually help him control his diabetes and heart disease.”
Patients receive one of three dental services during their time in the RAM dental clinic. They can choose from either a teeth cleaning, extractions or fillings. Initially, volunteers had a hard time saying no to patients who asked for more than one service, but in the end it hurt volunteer productivity and left patients without any care at all.
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Affordable Life Insurance For Smokers
Why do life insurance carriers charged smokers higher rates?
Danica
San Antonio Texas
It has been proven that smoking leads to other major health diseases such as heart problems and lung cancer. Everyone knows that smoking kills and definitely insurers are aware of this. Your life expectancy rate is one of the major factors that help insurers determine your life insurance policy rates. The more you smoke, the shorter you are expected to live thus the more risk you are to most insurers. Risks affecting insurance premiums are based on the insurers’ gathered statistics and studies taken from the general population.
To be frank, life insurance companies want you to live a longer life span for them to collect full premiums for the whole term in the case of term life insurance policy and put off paying death benefit. For whole life insurance, insurers want to collect premiums as long as possible and for this to possibly happen, they offer lower premium rates to those who are expected to live longer. However, everything should come at your advantage. So if you want to get charged a lower life insurance premium, you must quit smoking.
However, insurance market these days is getting crowded that each insurer are competing against the best insurance rates. Consumers are getting more information than they used to have through the ads on television, newspaper and internet. Because of this, consumers have been presented several options to shop for better life insurance deals even for smokers. Keep in mind that those who smoke cigar less often are given better life insurance rates than those who smoke frequently.
To find affordable life insurance for smokers, look for those policies that have lower face value especially whole life insurance policies. These types of policies won’t even bother asking about your smoking habit. Other applicants with health issues may also want to seek this type of policy. Lastly, the quickest way to find for inexpensive life insurance for smokers is to compare rates. The internet has made everything easier especially when it comes to finding the best possible deal of life insurance for smokers.
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