The term health insurance is generally used to describe a form of insurance that pays for medical expenses. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. It may be purchased on a group basis or purchased by individual consumers. In each case, the covered groups or individuals pay premiums or taxes to help protect themselves from high or unexpected healthcare expenses. Similar benefits paying for medical expenses may also be provided through social welfare programs funded by the government. Health insurance works by estimating the overall risk of healthcare expenses and developing a routine finance structure that will ensure that money is available to pay for the healthcare benefits specified in the insurance agreement. The benefit is administered by a central organization, most often either a government agency or a private or not-for-profit entity operating a health plan.

Executive Health

Executive Health Practitioner Associations are coming together to customize health programs for groups of executives and independent businesses with an objective of reducing the lost productivity time. At the core of many Executive Healthcare packages is an Executive Physical. In many instances, the doctor will travel to company facilities in order to perform a basic physical for all executive members. In others, as in the case of Elite IPA (Independent Practitioner Association), the office visit is an option, but executives are given the benefit of in-depth diagnostic treatment, which allows for an even more in-depth analysis of their health than what is typical. This level of the physical exam, given at a time that is convenient for the executive, is to have a positive impact on the bottom line. The average wait to see a physician is 68 minutes. There is no wait with the IPA Health associates for executives. IPA works around the schedule. Nor does IPA rush the visit. The visit is complete only when all of the concerns and questions answered. For those who prefer to communicate in writing, IPA is only an e-mail away. IPA physicians travel with hand-held e-mail devices for quick responses. Furthermore, IPA does not rush the visit. The visit is complete only when all of the concerns and questions are answered. Of course, there are times when one just wants to speak directly with the doctor on the telephone. One of the first things given to a new IPA patient is the doctor’s personal cell phone number. Wherever business or pleasure takes you, IPA is just a phone call away. Turn to IPA’s Executive Health for a complete executive physical that looks at health from all angles. True health and wellness is only achieved when there is a good understanding of the family history and personal medical history. IPA offers the latest in both non-invasive and blood-based cardiovascular screening testing. For early cancer detection, there may be reason to consider modern scanning approaches, including the PET technology. The integration of state-of-the-art cancer detection approach is a major feature of the program, as is ready access to leading specialists for preventive consultations.

Xeroderma

Xeroderma pigmentosum, or XP, is an autosomal recessive genetic disorder affecting DNA repair in wherein the ability to repair damage caused by ultraviolet (UV) light is deficient. This disorder leads to multiple basaliomas and other skin malignancies at a young age. In severe cases, it is necessary to avoid sunlight completely. The two most common causes of death for XP victims are metastatic malignant melanoma and squamous cell carcinoma.