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A Guide to Predicting Your Medical Future

 

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35 to 49 Years Old
In your 30s and 40s, lifestyle choices start to catch up with you. Serious conditions may begin to surface. Tests can flag some of them while there ' s still plenty of time for treatment.

WOMEN

Mammogram: According to a 2007 study by the National Cancer Institute and the U.S. Preventive Services Task Force (USPSTF), the number of women older than 40 getting mammograms every year or two is dropping. That may be bad news. Women at low risk for developing breast cancer should start annual or biennial mammograms at 40. Most health-insurance policies offer at least partial coverage. Those at higher risk—based on family history, weight, use of cigarettes or alcohol, early puberty or exposure to radiation —should start earlier, says the National Cancer Institute. Some groups recommend a baseline mammogram at 35.

Thyroid screening: Hypothyroidism causes few symptoms early on, but it can lead to obesity, joint pain, infertility and heart disease. Women over 35 should get checked every five years, says the American Thyroid Association. (It's not a universal recommendation: the USPSTF says the evidence for screening is inconclusive.) Since hypothyroidism is most common in midlife, catching it earlier than that will make it easier to manage, Lausier says. Women who want to get pregnant should also get tested, since a mother's thyroid problems can affect her fetus.

EVERYONE

Blood pressure and BMI: From the age of 50, says Snow, doctors start screening for diseases in healthy people with no risk factors purely for the sake of prevention. Before that, testing should be much more selective. "Screening in general tends to be based either on age or risk factors," Snow says. At 34 to 49, age isn't the more important indicator. "Almost everything at this stage is going to be risk based. You have to have triggers," she says. That doesn't include height, weight and blood-pressure checks, however, which should be administered regardless of how healthy you are. Keep monitoring levels every one to two years. Rates of coronary artery disease have increased slightly for women in this age group, while men's rates have continued to drop, according to a recently published study, so everyone—not just men—should be vigilant about screening.

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Member Comments

  • Posted By: edcmfood @ 08/03/2008 10:31:49 PM

    Nins @- Where are you getting your information from? I'd like to read further

  • Posted By: Nins @ 07/07/2008 12:03:57 AM

    Did you know that if McCain is elected you will have to pay income tax on the value of the medical insurance that your employer gives you? Worse still, he is offering a tax break for people who pay their own insurance, BUT only $2,500 for individuals and $5,000 for families.

    Let's say you have a family of four. Your insurance policy costs would be at least $1,500-2,500 per month under a self-pay plan, which cost more than employer group plans. So, you pay $18,000 -$30,000 per year for insurance, and you get to deduct only $5,000 of that. If you paid $25,000 for you insurance, you would be out of pocket $20,000 per year. This is FAR WORSE than the current system, where if you are self employed you can deduct 100% of you medical insurance costs.

    So, if you're not self employed, you would stick with your Employer's plan. Employer plans for a family of four have a value of $900-$1,500 per month totaling 10,800-$18,000 per year. Surprise! On April 15th, you owe tax on all of that as INCOME to you. Say your bracket is 25%, and the value of your Employer medical plan is $14,000. You will OWE THE IRS an additional $3,500, and that's ON TOP of whatever monthly premium you already pay to your employer for your insurance.

    Many analysts say that McCain's new rules would encourage employers to stop offering health benefits. If that happened, then far fewer Americans would be insured than are insured today, because what family of four can afford $18,000-$30,000 out of pocket per year for self-pay health insurance?

    Furthermore, McCain's plan does not require insurance companies to cover pre-existing conditions of people who self-pay their insurance. People under employer group plans have all of their pre-existing conditions covered. This is a hugely unfair aspect of the current system. Insurance companies can afford to cover the pre-existing conditions of the much larger pool of people with group insurance, but they refuse to pay the pre-existing conditions on the smaller pool of self-pay customers. They have been allowed to price gouge the self-pay customers, which is a form of market manipulation that should be illegal.

    So let's say one of your kids had diabetes and you have high blood pressure, then your employer stops offering insurance. You now have to buy your own, but you and your child are INELIGIBLE due to pre-existing conditions. Oh, yeah, they will let you buy the insurance, but you can't use it for any pre-existing condition until you have paid on time every month for two years. And you know what happens at one year and 11 months? You get a letter saying your policy has been cancelled. I have many patients this has happened to.

    McCain's plan SUCKS.

    It does nothing to help middle class working Americans afford or obtain medical insurance. In fact, it makes the current system WORSE.

  • Posted By: hek293 @ 05/21/2008 4:47:00 AM

    Nope - thank god for abortion!

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