Lesser-Known Supplements

Determining which supplements are best for your body and your circumstances can be difficult. Though many products claim to boost energy, control appetite, aid weight loss or support the immune system, several of the lesser-known products achieve the same results with more natural ingredients and fewer side effects.

If you’re on the search for amazing natural supplements, check out a few of the lesser-known options before purchasing the latest and trendiest capsules.

Colloidal Silver

Though somewhat controversial due to improper use, Colloidal Silver offers many health benefits when used correctly.

Having been in use since the 1920s, colloidal silver is most widely used today to fight fungal infections, disease, virus and bad bacteria all without affecting the good bacteria our bodies naturally house. It also boosts the immune system and can be preventative against common viruses like the common cold or the flu. Colloidal silver can also be used externally to treat skin conditions such as burns, tissue damage, rashes, acne and scarring.

Simply put, colloidal silver supplements are made of small silver particles within a liquid and contain the same type of metal as jewelry, dental fillings and silverware. Colloidal silver is typically packaged as an ingestible pill or in a liquid form, which can be injected or applied directly to the skin. It absorbs quickly whether used internally or externally, allowing the benefits to kick in sooner.

It should be used in moderation and not for extended periods of time. In rare cases, argyria can develop, giving the skin a blue or gray tone. Pregnant women should avoid taking colloidal silver, and it should never replace other medications as a “cure-all”.

Natural Energy with New Zealand Bee Pollen

Natural Energy with NZ Bee Pollen is an energy supplement produced by X-Tend Life. The supplement contains bee pollen from a remote chemical-free farm in New Zealand, and is flash frozen to preserve the natural benefits. The pollen is made into a powder form, combined with natural enzymes, nature’s best energy-boosting herbs, amino acids and minerals. The pollen and added natural ingredients are capsuled and packaged for sale.

Natural Energy with NZ Bee Pollen is a natural source of energy, appetite suppression, immune support and allergy treatment. Three to six pills should be taken daily, preferably on an empty stomach.

The supplement can be used as a healthier alternative to sugary, calorie-intensive or even ‘diet’ energy drinks and excessive caffeine intake.

Omega-3 Fatty Acids/Fish Oil

When used in proper dosage, omega-3 fatty acids, including fish oil supplements, are proven to raise levels of docosahexaenoic acid (DHA) and eicosapentaenoic acid (EPA), which lower the risk of heart attack, arrhythmia, strokes, cardiovascular disease, slow build up of cholesterol in the arteries, lower blood pressure and relax stiff joints. However, increased dosage can cause excess bleeding and lowering of good cholesterol (LDL). Additionally, certain species of fish are commonly associated with mercury contamination and should be avoided.

Omega-3 Fatty Acids and fish oil are best proven to treat high blood pressure, lower blood triglyceride levels and reduce the risk of heart disease or heart attacks. Though rumored to treat diabetes and transplant rejection, it has not been proven to do so effectively and should not be taken for these purposes.

Research

Always conduct proper research and speak with your doctor before beginning any new supplement. Though some supplements are beneficial for many people, others may have adverse reactions. Also be on the lookout for supplements that have an online coupon at your checkout that seems too good to be true. Chances are, it probably is. Stick to FDA approved supplements only and beware of any scams.

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The New Health Care Law and Pre-existing Conditions (by AARP) = Your questions answered

Q. I hear they are improving the federal health insurance plan for people with pre-existing conditions and it’ll be cheaper, too. Is that true?

A. Yes. Next year three new options will replace the single Pre-existing Conditions Insurance Plan the federal government runs in 23 states and the District of Columbia. And the government is lowering monthly premiums and cutting out-of-pocket costs for the insurance. The changes are designed to boost enrollment, which is way below expectations. Some 8,000 people were signed up by November, a very slow start compared with the 400,000 to 700,000 people federal officials predicted would join in the next three years. Required by the health reform law, the program was introduced over the summer for people who have been unable to get insurance for at least six months because of their ill health or medical history.

The New Law and You

 — Jonathan Kim/Getty Images

Through educational fact sheets, live webinars, and the question-and-answer series“Health Care Reform Explained,” AARP has the information you need.

When this insurance option was unveiled, some critics warned it would be so popular that the $5 billion in federal money for the program would run out before it closes at the end of 2013 and health care reform kicks in. So far, that isn’t the problem.

To make the program more appealing, the government is lowering the costs of monthly premiums, deductibles and copayments. Now, enrollees pay the first $2,500 (the deductible) for in-network medical services and prescription drugs before coverage starts. Next year a plan option with a $1,000 deductible for in-network medical costs will be available.

Monthly premiums will still vary by age and state, but generally, they can’t be higher than the price of a standard individual insurance policy in that area. The law also prohibits charging older people more than four times what younger people pay. This year, the lowest monthly premium for a person over age 55 enrolled in the federally run plan is $459 in Hawaii, and the highest is $773 in Florida. Next year, monthly premiums for the standard plan for the same age group will range from $371 in Hawaii to $626 in Florida. The average premium for this group in 2010 is $632 and $515 in 2011.

The new federally operated plans:

The Standard Plan: Premiums will be nearly 20 percent lower than this year’s premiums. Members will be responsible for separate deductibles of $2,000 for medical costs and $500 for drugs on the plan’s list of preferred drugs.

The Extended Plan: Premiums will be a little higher than the standard plan, but the deductibles are $1,000 for in-network medical care and $250 for drugs on the plan’s list. By splitting the deductibles into medical and drugs, the thinking is that the drug coverage would start sooner, which is important for people with pre-existing conditions who often take maintenance drugs.

The Health Savings Account: This option includes a medical plan with a $2,500 deductible for both in-network medical expenses and drugs. Premiums will be nearly 16 percent lower than 2010 premiums. Money contributed to a health savings account is free of federal income tax and can be used to pay deductibles and copayments. Any money left in the account at the end of a year can be carried over and used for future covered medical and drug costs.

Also new for next year: The federal plans will offer lower premiums for children with pre-existing conditions, up to 18 years old. Children now pay the same rates as adults. In Florida, for example, the standard plan premium for a child will be $196 a month, a third less than the cheapest premium for adults.

Go online for a detailed comparison of the three new plan options,or to find the premium rates for this year and in 2011.

States that decided to operate their own pre-existing condition insurance plans don’t have to adopt these changes, although federal officials are encouraging them to do so. And some states already offer a choice of plans. Check this website for information about plans in your state.

Those enrolled in the federally run program this year have until Nov. 30 to pick one of the three plans for 2011. If they don’t decide, they will be automatically signed up for the standard option plan.

However, there is one thing about the plans that is not changing: The health care reform law states that to qualify for this pre-existing insurance plan you must have been turned down for insurance because of an existing health condition or have been approved only for a policy that doesn’t cover your condition. Some readers criticize the six-month rule. But federal officials have said they are unable to waive the rule since it is part of the law Congress approved.

The law also required a website where you can find out about other insurance options available now, including other government health programs.

Susan Jaffe of Washington, D.C., covers health and aging issues.

 

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