Congrats! You are pregnant and you have lots of questions to ask your doctor. It is important to write down any questions you may have and it is important not to feel silly by asking questions, because it is your physician’s job to help you relax and feel comfortable.
If you haven’t done so already purchase a datebook or a small notebook to keep track of your pregnancy visits and any questions which you may have.
Common Questions To Ask Your Physician:
Given my current weight, how much weight should I expect to gain?
Given my current fitness level, what exercises should I be doing?
I have previously had a cesarean delivery, is it possible to have a vaginal birth this time?
Given my age and my medical history, what prenatal screening test do you suggest that I have?
What sexually transmitted diseases are you testing me for?
When should I start taking prenatal vitamins?
How can I reach you between my visits?
Can I bring my partner or a friend with me to my prenatal visits?
Where can I find a childbirth class?
What hospital will you deliver my baby in?
If you are not available when I deliver my baby who will be your covering physicians?
These are all questions you should take into consideration when you first see your doctor. It’s important to keep track of any quesitons you may have.
Finding a physician whom you are comfortable with and helps you to relax and answers your questions in a calm, professional manner is vital to maintaining a positive patient and doctor relationship.
Remember if you suspect you may be pregnant or if you have taken a positive pregnancy test to make an appointment with your physician to ensure that you will have a happy and healthy nine months!
20 JanWhat Questions Should I Ask During My Prenatal Visit?
20 AprLife insurance and health exams
When you take the opportunity to insure your life you will have to go through a thorough medical examination. The main reason for insurance providers to require a thorough medical check from their customers is to determine how much to charge for their services. If you have a high risk of death at an earlier stage then the company will charge a higher premium in order to collect more money for the service while you are still around. If the risk is low they will put a lower premium because you will be considered a lower risk that isn’t likely to require death benefit payout anytime soon.
Insurance providers use two main factors for defining how it is likely that their client will cease to exist: longevity charts and medical examinations (including history as well).
Longevity charts represent a statistical interpretation of mortality rates across different demographical groups. In other words, by using these charts the insurance company is able to learn how it is likely that a person will die at a certain stage of life and in a certain region. This is crucial for determining how much of a risk a person is when they come to the insurance company’s office. For example, the longevity chart shows that a man of 50 years old is much likely to decease than a woman of the very same age and living in the same area. Taking this into account, the insurance company will charge a man with a higher rate than a woman because the higher is the risk, the higher is the premium paid. That’s why older people always have higher life insurance rates than children, because they represent a higher risk to the company.
Medical examination and medical history give a more personalized and in-depth understanding of the customer’s risk potential to the company. In most cases the examination is undertaken directly at the office or at your home, unless your life insurance provider requires a more thorough examination of any particular system or condition. The following are the most common things you will be asked about when getting your life insurance quotes:
- Personal medical history
- Family medical history
- Your primary physician’s contact information
- Lifestyle factors (drinking, smoking, substance abuse)
- The amount of insurance coverage you want to get
The following procedures are very common for the medical exam held by your insurance provider:
- Height and weight measurement
- Blood pressure and pulse measurement
- Blood and blood vessel condition (lipids, glucose, hormones, viruses)
- Urinalysis
After you pass the medical exam the insurance provider will analyze the results and set a corresponding premium according to the state of your health. Sometimes it takes up to a couple of months to analyze this information. In case you feel that there was something wrong or the company refused you, it’s better to ask the insurance to send you a copy of their final conclusion to you and your doctor. This might be very important especially if you want to get cheap health insurance from another company.