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Mental Health Is Important

Mental health is how people think, feel, and act as they face life’s situations. It affects how people handle stress, relate to one another, and make decisions. Mental health influences the ways individuals look at themselves, their lives, and others in their lives. Like physical health, mental health is important at every stage of life.

All aspects of our lives are affected by our mental health. Caring for and protecting our children is an obligation and is critical to their daily lives and their independence.

Children and Adolescents Can Have Serious Mental Health Problems
Like adults, children and adolescents can have mental health disorders that interfere with the way they think, feel, and act. When untreated, mental health disorders can lead to school failure, family conflicts, drug abuse, violence, and even suicide. Untreated mental health disorders can be very costly to families, communities, and the health care system.
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In this fact sheet, “Mental Health Problems” for children and adolescents refers to the range of all diagnosable emotional, behavioral, and mental disorders. They include depression, attention- deficit/hyperactivity disorder, and anxiety, conduct, and eating disorders. Mental health problems affect one in every five young people at any given time.
“Serious Emotional Disturbances” for children and adolescents refers to the above disorders when they severely disrupt daily functioning in home, school, or community. Serious emotional disturbances affect 1 in every 10 young people at any given time.

Mental Health Disorders Are More Common in Young People than Many Realize.

Studies show that at least one in five children and adolescents have a mental health disorder. At least one in 10, or about 6 million people, have a serious emotional disturbance.

The Causes Are Complicated

Mental health disorders in children and adolescents are caused mostly by biology and environment. Examples of biological causes are genetics, chemical imbalances in the body, or damage to the central nervous system, such as a head injury. Many environmental factors also put young people at risk for developing mental health disorders. Examples include:

Exposure to environmental toxins, such as high levels of lead;
Exposure to violence, such as witnessing or being the victim of physical or sexual abuse, drive-by shootings, muggings, or other disasters; Stress related to chronic poverty, discrimination, or other serious hardships; and
The loss of important people through death, divorce, or broken relationships.

Signs of Mental Health Disorders Can Signal a Need for Help

Children and adolescents with mental health issues need to get help as soon as possible. A variety of signs may point to mental health disorders or serious emotional disturbances in children or adolescents. Pay attention if a child or adolescent you know has any of these warning signs:

A child or adolescent is troubled by feeling:

Sad and hopeless for no reason, and these feelings do not go away. Very angry most of the time and crying a lot or overreacting to things.

Worthless or guilty often.

Anxious or worried often.

Unable to get over a loss or death of someone important.
Extremely fearful or having unexplained fears.

Constantly concerned about physical problems or physical appearance.

Frightened that his or her mind either is controlled or is out of control.

A child or adolescent experiences big changes, such as:

Showing declining performance in school.

Losing interest in things once enjoyed.

Experiencing unexplained changes in sleeping or eating patterns.

Avoiding friends or family and wanting to be alone all the time.

Daydreaming too much and not completing tasks.

Feeling life is too hard to handle.

Hearing voices that cannot be explained.

Experiencing suicidal thoughts.

A child or adolescent experiences:

Poor concentration and is unable to think straight or make up his or her mind.

An inability to sit still or focus attention.
Worry about being harmed, hurting others, or doing something “bad”.

A need to wash, clean things, or perform certain routines hundreds of times a day, in order to avoid an unsubstantiated danger.

Racing thoughts that are almost too fast to follow.
Persistent nightmares.

A child or adolescent behaves in ways that cause problems, such as:

Using alcohol or other drugs.

Eating large amounts of food and then purging, or abusing laxatives, to avoid weight gain.

Dieting and/or exercising obsessively.

Violating the rights of others or constantly breaking the law without regard for other people.

Setting fires.

Doing things that can be life threatening.

Killing animals.

Comprehensive Services through Systems of Care Can Help
Some children diagnosed with severe mental health disorders may be eligible for comprehensive and community-based services through systems of care. Systems of care help children with serious emotional disturbances and their families cope with the challenges of difficult mental, emotional, or behavioral problems. To learn more about systems of care, call the National Mental Health Information Center at 1-800-789-2647, and request fact sheets on systems of care and serious emotional disturbances, or visit the Center’s web site at

http://www.mentalhealth.samhsa.gov

Finding the Right Services Is Critical

To find the right services for their children, families can do the following:

Get accurate information from hotlines, libraries, or other sources.

Seek referrals from professionals.

Ask questions about treatments and services.

Talk to other families in their communities.

Find family network organizations.

It is critical that people who are not satisfied with the mental health care they receive discuss their concerns with providers, ask for information, and seek help from other sources.

Important Messages About Child and Adolescent Mental Health:

Every child’s mental health is important.

Many children have mental health problems.

These problems are real, painful, and can be severe.

Mental health problems can be recognized and treated.

Caring families and communities working together can help.

Information is available; call 1-800-789-2647.

This is one of many fact sheets on children’s mental health disorders. All the fact sheets listed below are written in an easy-to-read style. Families, caretakers, and media professionals may find them helpful when looking for information about mental health disorders. For free copies, call 1-800-789-2647, or visit http://www.mentalhealth.samhsa.gov

With Much Love,

Arthur Buchanan

President/CEO

Out of Darkness & Into the Light

43 Oakwood Ave. Suite 1012

Huron Ohio, 44839

567-219-0994 (cell)

http://www.out-of-darkness.com

They are calling Arthur Buchanan’s methods of recovering from mental illness REVOLUTIONARY! (MEDICAL COLLEGE OF MICHIGAN) ‘Arthur Buchanan has given us a revolutionary blue print for recovery in these uncertain times, when Mental Illness at a all time high in the United States of America, yet if you follow this young mans methods, we assure you of positive results and I QUOTE ‘If these methods are followed precisely, their is no way you can’t see positive results with whatever illness you have’ -Dr. Herbert Palos Detroit, Michigan

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Choosing a health insurance plan is not as easy as it used to be. The distinctions among health plans have begun to blur as
health benefits companies compete for your business.

Although there is no “best” health benefits plan, there are carriers that are a better fit than others for your business and your employees’ health care needs.

As chief executive officer of VISTA, a health benefits company, I am not immune to the skyrocketing cost of health care. As an
employer, I face the same challenge you do of keeping health care costs affordable for VISTA’s 1,000 Florida employees. My responsibility also extends to more than 10,000 South Florida employer groups and 330,000 VISTA members.

While many CEOs, presidents and CFOs complain about the cost of providing health benefits for their employees, they are rarely
engaged in the process of selecting a health benefits company.
Fortunately, South Florida employers enjoy a highly competitive marketplace when it comes to purchasing health benefits. While
there are many carriers to choose from, the differences among each are few. The network of providers, plan designs and services are all very similar.

So all things being equal, why pay more? How do you know which health benefits company is the right fit for your business?
Ask yourself these questions.

As an employer, how much can I afford to contribute to the premium?

What benefits will serve the majority of my employees?

Will offering employees more choices save or cost me money?

Does the plan have an adequate number of providers?

Evaluating cost

Business owners are searching for ways to reduce their health care expenses. Look for a carrier that administers your health benefits plan efficiently.

Administrative charges are a carrier’s overhead costs. They are included in your premium and can vary significantly. These charges include processing and paying claims, answering
customer calls, marketing and advertising costs, and broker commission payments. Carriers with lower administrative costs usually are much more affordable than those with high administrative costs. When reviewing proposals from health
benefits companies, ask what they will charge you for administrative expenses.

Offering employees a choice

Giving employees the freedom to choose their health plan will help educate them about the valuable benefit you offer, satisfy
their need for health benefits and keep your premium contributions within your budget. Plan choices may vary by co-payment, network access and employee contribution. It will be the employee, not the employer, who is responsible for evaluating and choosing his or her health benefits plan.

Employees will have to determine how often they use health care services, what they estimate those costs to be and how they want
to access and pay for those services.

An adequate provider network

No health benefits plan covers every health expense an employee may have or includes every physician. You are purchasing group
coverage. As a business owner, you must evaluate whether the health benefits pIan you are considering offers an affordable level of benefits and a network that provides adequate
accessibility for your employees.

Your bottom line

In South Florida, there can be as much as a 15 percent difference in cost among the health benefits companies you have to choose from. The health plan you select should be cost-competitive and offer a choice of health plans and an extensive provider network to meet the needs of your group.

Whether your company has 20 employees or 1,000, your level of engagement in the decision-making process is vital in determining how health care costs will impact your company’s
bottom line. Standing on the sidelines could be a price you cannot afford to pay.

RONALD J. BERDING is CEO of VISTA, a health benefits company headquartered in South Florida with more than 330,000 members. His expertise in health care and insurance spans 30 years. Berding was a member of the Gov. Chiles’ Task Force on Claims Payment and the Small Group Insurance Reform Committee under Florida Insurance Commissioner Tom Gallagher. He also served as chair of Florida’s Consumer Assistance Plan. VISTA, through its affiliated companies, Vista Healthplan Inc., Vista Healthplan of South Florida Inc. and Vista Insurance Plan Inc., offers a choice of health benefit plans including health maintenance organization (HMO), preferred provider organization (PPO) and point-of-service (POS). Contact Berding through

Article Source: http://EzineArticles.com/91488
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Health insurance lead generation systems provide a stead stream of potential clients for health insurance brokers. Health insurance leads are considered to be people who may need health coverage to supplement the health coverage provided by their employer. A health insurance lead can also be someone who is self-employed and needs to obtain coverage for themselves or their entire family. Health insurance brokers rely on health insurance leads systems to supply them with enough potential clients to keep their business going. There are a large number of people who either need additional coverage or are in business for themselves and need an individual or family health insurance plan.
Health insurance lead services are available at a reasonable cost to health insurance brokers. Typically, health insurance leads companies will charge an annual or monthly fee for the leads and account maintenance. When considering a health insurance lead system, it is best to look for one that offers an unlimited amount of leads for one low monthly fee. Some companies that provide health insurance leads charge a per-lead fee. Make sure the leads are guaranteed for you money back or at least a guarantee that the company will replace them free of additional charges.
The way it works is through referral systems. The qualified health insurance lead fills out a form on the health insurance leads provider’s website. Upon receipt of the form, the lead service emails the health insurance agent the information submitted by the health insurance lead. The health insurance agent then contacts the health insurance lead via email or phone and provides them with a quote on the type of health insurance coverage they are looking for. In order to obtain the most qualified health insurance leads, health insurance brokers can give the leads service company specific information about the types of coverage offered.
Many health insurance lead generation systems come with automated email follow-ups. It is important for the insurance agent to contact the health insurance leads as soon as possible. Some of the health insurance leads are provided to more than one insurance agent. With the cost of health care constantly rising, the health insurance industry is very competitive and timing could make the difference between success and failure. With a consistent health insurance lead generation system and quick follow-ups, a steady stream of high quality leads will continue to come in. This could give you a huge advantage over the competition.
Article Source: http://EzineArticles.com/63709
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