Taking Responsibility for Your Family Health

Family health is not something you can take for granted. While it might be tempting to ignore your family health issues and then assume they will resolve themselves, this is not the best way to treat those you love. Instead, you need to think of ways right now that you can help to make sure your health is protected and secure at all times. By following just a few simple rules, you can begin to see your family’s health improve in ways you might not have realized it needed to improve.

Start with Family Assessments of Health

Assessing your family health. In order to determine the state of your family health, you will need to get everyone into the doctor’s in order to test their health levels. This might take the form of routine physicals for most of the family members, while other members might need specialized diagnostic tests for chronic issues. Each of the family members should ensure they set up regular testing at their doctor’s office to follow their health and to make sure they are being monitored for any problems which might have been found. The doctor can also give the patient a list of the tasks they should take on in order to make sure that they are improving their health. Make sure to have your family use health monitoring system for Fitness test. While it is very simple in use, you will be able to review the reports of their health even remotely via Health Reviser Web report viewer.

Make Goals Together as a Family

Set up family health goals. As a family, it’s a good idea to create family health goals. These will allow everyone to understand what is necessary to create better health. Whether these goals are determined by a doctor or simply by the person who wants to get healthy, that’s not as important. What is important is that there are goals set and told to the rest of the family. This will help each of the family members to understand what they need to do and how they might be able to work with others. For example, the goal can be reaching score of 250 in Stress Sweeper.

Support the Needs of Each Other

Support each health goals of others. While you might have your own set of family health goals, it’s going to be even more effective if you take the time to support the needs of each other. In helping someone else workout, for example, you can improve your health. And in having someone else help you with making healthy meals, they can help you. A family is a team and they should support each other in any way they know how. When you share your goals, others in the family can volunteer to help you with your goals if they have tools or skills that you do not.

Tips for Buying the Best Family Health Plan

Life is uncertain and health issues may arise any time. If you are living in a busy metropolitan city, then the contemporary pollution, travel and workload will definitely add an impetus. Hospitalization and doctor consultations are costly and they burn a hole in your pocket.

So, how will you transfer the risk associated with the health of your loved ones and you? You can answer this by choosing to buy a family health plan or an insurance plan. There are many life insurance and general insurance companies, which offer such facilities.

You will be attracted towards the popular insurance plans available in the market. Before you decide to call your financial advisor or go about searching for these plans, kindly take a look at the following tips that will simplify your quest for purchasing health plans.

Determine the needs before you leap

Do not get lured away with the attractive premium rates offered by certain insurance plans. Take some time to calculate the amount of insurance coverage you and your family will require and then choose the policy, which matches your requirements at the best. In cases of prior medical history, always choose a higher coverage. If you are young and energetic, then avoid falling for plans with higher insurance cover.

Search for quotes and then choose

Once you have identified the amount of insurance cover required, it is advisable for you to search for insurance quotes. Different companies will offer different quotes based on the factors they cover. Do not get lured away with the figures and be cautious in checking the circumstances and incidents covered by every policy you shortlist. Remember, smart choices are always made with patience.

Always look out for supplemental plans

Supplemental plans are additional plans, which are availed for reducing the medical expenses further. They are generally purchased by older people who are paying off the medical bills using health plans. In addition to this, several life insurance companies present these plans as €riders’ along with their policies.

Always verify the ratings and try to consolidate plans

It is a general trend among people to avail family health plans from them their employers. At such times, the risk associated with each of your family members is transferred to a separate pool. This means the insurance coverage is limited. By implementing the consolidation option with your spouse, your coverage amount can be increased as it now merges the life cover of your spouse and you. Similarly, ratings of insurance companies also play a vital role in availing such privileges and you should check them before you buy.

The Family Health Center and Family

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Good Ideas for Family Health

We try to make good health choices for ourselves. It is only natural that we want to share what we know with those who are closest to us. Teaching our families and children about good healthy habits can be a lifesaver and a life extender for those we love and take care of. Here are some suggestions for encouraging positive attitudes about food and weight for a lifetime of good habits:

Encourage your family to eat breakfast each day. Having meals together is a great way to interact and to strengthen your family bonds. When you have uninterrupted time you can talk and enjoy each other company. Make meal time one of those times. Breakfast is the most important meal of the day. It kick starts your metabolism and lets it know it is time to get moving. Having dinner as a family is a great way to end your day and discuss important things that may have happened during the day. Serving two vegetables at dinner will help expand family health and allow experimenting with good foods to find those that you like. The more you try, the better it is for your health. Teach your kids to eat a rainbow of fruits and vegetables every day, and with every meal.

Encouraging smaller portions of foods helps the family to eat a good balance without over doing it. Many restaurant servings are 2-3 times the normal portion size. Educating you children early about portion sizes will help them stay healthy and fit.

Even with eating healthy it is difficult to get in all the needed nutrients into diet alone. Teach your kids to take a multi-vitamin every day. This ensures that they are able to have all the necessary nutrients to help their growth and development. Children need good oils, if they don’t like fish, soy and other foods high in good fats, encouraging fish oil supplementation could be a great asset to their health. Make sure you discuss all supplements with the pediatrician first.

Walking your children to school when possible can help get children moving and will also help you to increase your metabolism and burn some calories. If school isn’t within walking distance, try walking other places such as to a friend’s house, the library, grocery store, or park. Try to walk, hike, or play games three or more times a week as a family. Learning to ride a bike and taking family bike rides is another great way to spend time together and get that workout in.

Involving your kids in planning and preparing meals will teach useful skills, but can also be a great teaching time to explain good nutrition. Meeting as a family to plan dinners for the week and making assignments for preparation, cooking, and clean up, helps foster independence and responsibility. If you feel limited in the types of meals you’re making, learning to cook together could be a fun experience and an opportunity to try new things. Sign up for a cooking club or register for a community cooking class. As you explore the world of food, it becomes easier and more fun to add variety to your family’s diet.

Remind kids that healthy and happy bodies come in all sizes. No one body shape or size is a healthy one or the right one for everybody. Just as flowers come in different shapes, sizes and colors, so do people. We need to be tolerant and kind to each other no matter what we look like. Teaching this tolerance to our children will make them better people and the world a better place for all of us!

Never put your kids on a diet without first consulting a doctor. Kids, just like adults, need to eat a variety of foods and get enough exercise. Cutting calories or restricting them too much in their food choices can cause rebellion and anger. Lead by example, if you don’t buy it they can’t eat it. To eat unhealthily and then be upset with your children for doing the same thing is counterproductive. While parents should be concerned about weight for health reasons, they should also be careful not to nag, pick on kids, or name call. This could permanently damage your relationship. Parents and kids should not only watch what they say about others, but what they say about themselves. Teaching your kids to like and accept themselves is one of the most important parental tasks.

If you can make healthy eating and activity a ‘matter of fact’ way of life instead of a big production or discussion, you and your family will be way ahead of the curve, and your children will be able to start life with a good foundation of health.

Knowing Your Family Health History

If your great grandchild asked you if you could make him or her better, would you? Of course you would.

See this opportunity as a way of protecting those you love. Knowing your family’s genetic health history may save you suffering from, or preventing, undiagnosed yet predisposed diseases. Pay it forward a few generations by creating a Family Health History Tree.

By knowing your family’s health history you will be pro-active in discovering possible health problems earlier than later. Imagine if you found out there was a history of breast cancer in your family. Just think about how you would feel if your husband had developed prostate cancer at a relatively early age. But it could have been monitored early and possibly prevented had he known that his uncle had passed away from it.

A safe place to keep your Family Health History Tree would be with your will. Amendments to the Tree could be made as various medical facts are revealed about current and past family members.

The more everyone knows about a family’s genetic history, the better. Imagine being adopted and simply not knowing this lineage? Some of us are a little guarded or shy in sharing our own health history, even with family members. Here are a few ways to go about it.

  • At the next family function or reunion, have any older children present the concept of a Family Health History Tree as a €School Project€. It’s hard to turn down a possible life-saving health project such as this, especially when they want to do well in School.
  • Add a few pages into your child’s baby-book. But first send out the info page you need filled out to every adult person in your family.
  • Start the gift of giving for everyone’s future. Detail your own family history and give it inside a Christmas, anniversary or birthday card, as a sign of how much you love them and how easy it can be. There are even better occasions to start the trend, such as when a baby is born or at a wedding.

For example here are a few sample questions to ask to get the ball rolling

Since we know many cancers can be passed on from generation to generation, do you know of any pre-existing conditions that could possibly be passed down such as cancer? Or schizophrenia? Or spinal muscular atrophy? Or Huntington’s Disease? Or Systic Fibrosis?

Can you remember if you have had all of your adult vaccines or childhood immunizations?

Can you remember every one’s history in your family as far back as records will show?

If you are the only one remaining in your family here are some places to start to generate some answers:

Funeral Home Records. These records can go back into the late 1900s, and often the Funeral Home keeps the records as they were originally kept €for public health purposes- to alert officials of diseases or trends of concern, especially in cities and populated areas€.

Obituaries. From the late 1800s, the obituaries section of newspapers are a very popular section. Earlier on they even detailed the cause of death; however, today’s era masks them or omits them completely.

At your next family gathering, make things fun and interesting by awarding prizes to the €team’ that comes up with the most inherited medical disease facts. Congratulations in then taking the preventative steps necessary and thinking ahead for your family’s future.

MAking a Family Healthy

Parents are responsible for the overall management of family life, including setting the values and seeing that everyone’s needs are met and that everyone is thriving. There are several good ways to focus the time you have with your family so you all stay physically and emotionally healthy.

  • Have Individual and Family Goals

In our complex technological society, it can become very easy to get over-involved with a heavy schedule of chores and obligations. If you want to do something more than just deal with what’s urgent, take some time to define your goals. Make sure some of your “urgent” activity each week is working toward your goals. Family goals might be diverse: to spend an evening each week playing together, to buy a new or bigger house, to take a trip to Disneyland by the time the youngest is five, to see that each child gets a solid education or to help all family members be as healthy as they can be. Individuals also have goals: to become an Eagle Scout, make the dance team, change careers or get more education.

  • Family Meetings

Sharing goals can lead to greater cooperation. When we know a family member’s goals, we can support her in achieving them. If Mom wants to go back to school to finish college, and the teenage son needs to be at basketball practice three nights a week, the family can come up with ways to help both of them get their needs met. Maybe Mom could take one less course this term, and the son could fix dinner for the family on the evening that Mom has class. A healthy family is one in which each person’s individual goals are taken into account as well as the family goals. If the goal is a family vacation to Disneyland, someone could take a part-time job to add to the vacation account, or the kids could agree to contribute a certain percent of their allowance each week. Family meetings let people bring up concerns, appreciations and the normal conflicts that arise when two or more people are sharing a life together. Conflicts almost always arise over issues like who will do the dishes. Actively resolving the conflict, at least temporarily, without a screaming match, can happen in a family meeting.

  • Open Communication

Open communication occurs when people know they can safely share their hurts, hopes, needs and longings without ridicule or retaliation. When a child feels safe enough to tell a parent when he is upset or angry, he is more apt to be honest and direct expressing his feelings. Parents model openness by the quality of the relationship they have with each other. Listening to a criticism or complaint of a spouse without sparring or fighting is a sign of maturity. Children learn how to live in the world by the example their parents set.

  • Managing Conflict

Conflict is part of most relationships. Two people rarely have the same goal in the same time frame. One style of conflict resolution is to declare one person the authority who makes all the decisions for all the family members. This can work, but it frequently leads to resentment, and decreases closeness. Another frequent solution is to use some method of allocating authority for different parts of family life to different people, often following gender norms. Although this type of family structure was common in the past, most modern people in the Western world establish families in which both genders have a significant voice and responsibility in the family life. Instead of passively agreeing to a plan someone has made unilaterally, family members should talk about what they want and reach a compromise in which everyone gets part of his needs met. Negotiation and listening skills will get stronger as a person learns how to better manage conflict.

The Average Cost of Family Health Insurance

One of the ways to protect your family is by providing health insurance. Injuries and illnesses can happen at any time and the stress brought on by an incident can be alleviated by having access to health care. However, the costs of having health insurance have become an expensive problem for many families today. Employers are also feeling the pinch and are trimming the costs to provide health insurance to their workers. As the costs continue to rise, more families will find it difficult to afford health insurance.

The Facts

In 2008, the average cost to pay for a family health policy was $12,680.That is 5 percent higher than in 2007 ($12,106) and 27 percent higher than in 2004. These costs in part have led to nearly 46 million Americans having no insurance, which includes more than 8 million children. In addition, employers in 2007 paid more for family health plans than they paid for employees working for minimum wage ($10,712).


The rise in the costs of family health insurance is only part of the bigger issue concerning health care. Americans spent $2.4 trillion in 2008 paying for health care, which is 17 percent of gross domestic product of the United States. Providers and insurers pass on costs to their patients and clients in order to remain profitable.

Consider that $34 billion in hospital health services went unpaid in 2007, according to the American Hospital Association. Other factors leading to the increase in health care costs include administrative costs, technological advancements and production of expensive prescription drugs.


Many families are without health insurance due to the fact that the coverage plans are unaffordable. Since 1999, employee wages have risen 34 percent, while premiums have increased by 119 percent. Employers are also dropping health insurance plans from their payrolls since they are paying about 70 percent of the premium cost. As a result, eight out of 10 people who are uninsured come from a working family.


Although companies are paying the majority of the premiums for their workers, employees are facing more responsibility for paying their health care costs. In 2008, 18 percent of covered workers faced deductibles that were more than $1,000 annually, up from 12 percent in 2007.The shift has affected workers in small businesses the greatest. One in three employees who worked for a company that employed up to 199 workers had a $1,000 deductible.


As the cost of purchasing health insurance rises, families left unprotected face many risks that could lead to severe consequences. Families will have to pay for health care expenses out of pocket and that could mean thousands of dollars. Unfortunately, 62 percent of bankruptcies, as well as 1.5 million annual foreclosures, are linked to medical costs. Also, families may face providers not willing to extend their services due to not being insured.

Determining Which Health Insurance Plan Is Right For My Family

Whether you are choosing among different health insurance plans that your employer is offering or seeking an individual health insurance policy for your family, there are several factors to take into account. Consider your typical health care usage against the type of health insurance plans that are available such as Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), Indemnity and High Deductible Health Plans (HDHPs).


  • Review your family’s use of health care providers in the last year. Analyze how often family members went to the doctor, whether there are any conditions that warrant ongoing treatment or whether there are any upcoming health issues. Determine, in general, whether your family is at a healthy weight. Considering your family usage of health care services will shape the type of coverage you may need.
  • Review the options that your employer is offering. Typically, employers offer a Preferred Provider Organization (PPO) and an Health Maintenance Organization (HMO). PPO plans offer a larger network of doctors you may see but may have higher out-of-pocket costs such as the premium and co-pays. The premium is the cost of the plan, and the co-pay is the portion of services you pay for as they are received—your insurer pays the rest. HMO plans are less flexible in what doctors you can visit and require that you stay within a limited network of providers. They often require that you visit a primary care physician before seeing a specialist. However, they are the least expensive option of the two for your family. If you’re purchasing a policy independent of an employer, these options are most cost-effective for families with frequent doctor visits.
  • Consider a High Deductible Health Plan (HDHP) if your family members are not high users of health care services and do not anticipate many future doctor visits. HDHP premiums are usually significantly lower than a PPO or HMO plan and may be accompanied by a Health Reimbursement Account (HRA) into which your employer deposits dollars to pay for your health care. For HDHPs that meet IRS criteria, the covered person is eligible to establish a Health Savings Account (HSA). The money in the HRA and HSA accumulates and rolls over to the next year, making this a wise option for lower users of their health insurance.
  • Evaluate whether another plan, such as a Point of Service (POS) or Indemnity health plan, is the right option for your family. A POS plan is a hybrid between a PPO and HMO. Like the HMO, you will need to visit a primary care physician, but like a PPO you have a wider network of physicians for referrals. These plans are sometimes offered by employers but are more likely purchased individually and will be priced between a PPO and HMO. Indemnity coverage is the traditional, nonmanaged plan where you can see any doctor you want and the plan reimburses the provider on a fee-for-service basis. These plans have an annual deductible and may have higher premiums than other plan options.
  • Obtain premium quotes for each type of plan, and complete a cost analysis of each plan’s premiums against the type of service you think your family will need to determine what is the right health insurance plan for your family. In addition to cost, for each plan type you’ll want to consider their provider network, out-of-pocket costs and what services are covered.

Comparing Family Health Insurance Plans

Family health insurance is a considerable expense, but it is also necessary if families want to have affordable access to health care providers, medical services and prescription medications. Since every family is unique, health insurance companies offer many types of plans, so that families may choose the one that best meets their needs.


Health care insurance plans have different rates based on the benefits. A deductible is the amount that you pay before you are covered by your insurance benefits. The higher the deductible, the lower the monthly premium.


Know what features and services are covered by the health plans. For example, some plans are inclusive of X-ray and routine diagnostic lab tests, while other plans do not cover these services. Check for plans that include emergency room, medical transportation and pharmacy benefits.


Traditional health plans are offered by health insurance carriers. Health savings accounts (HSA), on the other hand, are set up through banks and serve as a tax-free medical savings account. According to the U.S. Department of the Treasury, these accounts are for high deductible health care plans, and the money is available for a family to spend on medical expenses.

Having a Healthy Family Life

You’ll need to constantly develop any relationship, including your family’s. Developing a healthy family life needs to be defined by what you and your family believe is healthy. A December 2003 Gallup Poll reveals that Americans voted family and health as the most important aspects of life. There is no certain mold your family should fit in. Most people want to meet the needs of their family financially, provide a safe home, and securing a well-paying job that will provide both.


  • Create a habit of coming together at least once a day and talking. Use dinner time as a formal family meeting place to share and communicate the events of the day, as well as discussing any family dynamics. Schedule your meals around activities and work so you are all present at the same time. Help your family members feel comfortable talking by not overreacting to things they may confide in you. Create a healthy family atmosphere by communicating daily with each other.
  • Avoid arguing or fighting in front of the children. Children can become confused, nervous and sad each time they witness conflict in the family. Seeing unhealthy conflict can cause your children to act out in school or as adults themselves. If your children do see you argue, make sure you apologize to each other and explain that you’re having a disagreement but you still love each other. Teach your children you can have healthy conflict and go on to resolve the problem together.
  • Spend as much time as possible with your family. Plan family trips and get-aways for just your family. Picnics in the park and family beach day are enjoyable and inexpensive activities you can plan to bring your family together and have fun. Laughter is a healthy release for families. Family outings can build lasting memories for your family.
  • Develop your own family traditions to have a healthy family life. Your family will look forward to participating in family traditions you make together. Make a yearly weekend pilgrimage to a favorite destination, bake desserts together for special occasions, open presents on holidays, or choose a favorite sporting event to bring your family together. Making a family tradition will unite your family for years to come.
  • Eat well-balanced meals and exercise. Go on family walks to help your family get motivated to exercise. The Centers for Disease Control and Prevention recommends that you should help kids and teens be active for at least one hour a day. Activities should raise their breathing and heart rates and also strengthen their muscles and bones. Getting your family moving will help create a healthy family life.

Tips & Warnings

  • Don’t force ideas on your family. Let your family come up with healthy family ideas that make them happy.
  • Always put your family first. They will grow to value your efforts and put forth the same initiative to take part in family activities.

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