In hockey, cross-checking means a player with both hands on his raised hockey stick slams into an opposing player. That&rsquo;s against NHL rules and earns at least a two-minute penalty.

Now, checking into the hospital isn&rsquo;t as dangerous as that hockey check, but there are a few rules you should follow to stay safe. True, you won&rsquo;t face time in a penalty box for not following them, but the negative results could be worse.

Rule #1 &ndash; <a href="https://www.sharecare.com/health/parenting/article/hospital-etiquette-tips">Don&rsquo;t lie</a> on your medical questionnaire. 
Whether you&rsquo;re embarrassed by the truth (you smoke or drink) or don&rsquo;t want to make a big deal of that pain in your gut, keeping info to yourself could lead to a medical mistake. One, according to a Rutgers University study, that tough guys&mdash;and gals&mdash;are most likely to make; seems they hate to admit they&rsquo;re hurt or in pain. So remember, fessing up is smart&mdash;and confidential. And when asked what meds you&rsquo;re taking, mention all supplements and herbs.

Rule #2 &ndash; Bring a <a href="https://www.sharecare.com/health/managing-your-health-care/how-can-find-patient-advocate">patient advocate</a> with you. 
Everyone needs another set of eyes and ears to remember medical information and ask questions. (If you don&rsquo;t have anyone available, most hospitals provide free Patient Advocates.) Tip: Record the sessions.

Rule&nbsp; #3 &ndash; <a href="https://www.sharecare.com/health/health-care-basics/article/5-things-nurse-wants-you-to-know">Rely on the nurses</a>. 
When your doc isn&rsquo;t around, the nursing staff can provide information and assistance. If they don&rsquo;t know the answer or aren&rsquo;t authorized to make a medical decision, they&rsquo;ll find someone who is.

That&rsquo;s how you keep your hospital stay in check and skate right through.

Medically reviewed in September 2018.

3 Rules for Checking Into the Hospital

New Year&rsquo;s resolutions can lift you up with a rush of optimism and determination (&ldquo;I WILL lose 25 pounds and exercise regularly!&rdquo;). But too often they&rsquo;re followed six to eight weeks later by the self-defeating thought, &ldquo;I just can&rsquo;t do it!&rdquo;

But still you resolve, year after year, to become as healthy as possible. As Oprah once said: &ldquo;Cheers to a new year and another chance for us to get it right.&rdquo; Now, that&rsquo;s a lot better than Gwyneth Paltrow&rsquo;s attitude toward resolutions. She reportedly said she doesn&rsquo;t make big resolutions because she&rsquo;s afraid of breaking a promise to herself and failing.

To help you (and Gwyneth) succeed, here are oh-so-easy ways to stick to your &ldquo;get healthier&rdquo; resolutions.

1. Caffeinate. A study in Sports Medicine suggests a little <a href="https://www.sharecare.com/user/roshana-golstani/blog/post/8de14771-c11e-489c-a15c-111757d573e6">caffeine before exercise</a> can make it easier to stick to the routine, because the exercise seems to take less effort. 
2. Add mini-movement to your day. Amp up your calorie burn by using an <a href="https://www.sharecare.com/health/benefits-regular-exercise/exercise-ball">exercise-ball</a> chair at your desk (you&rsquo;ll burn 6 percent more calories than in a desk chair), get a standing desk (you&rsquo;ll use 20 to 50 additional calories per hour). 
3. Cut calories OCCASIONALLY. You don&rsquo;t have to slash calories every day! Four or five days a month <a href="https://www.sharecare.com/health/weight-loss/quizzes/portion-control">restrict your diet</a> to 1,000 calories and you&rsquo;ll reset your metabolism and reduce inflammation.

These are easy and powerful ways to shed pounds, get healthier, raise your spirits and make your RealAge younger. Happy New You!

Medically reviewed in September 2018.

3 Surprising Ways to Keep Your New Year’s Resolutions

You may have heard a lot lately about why you can skip certain visits to your <a href="https://www.sharecare.com/health/live-to-one-hundred/article/the-one-doctor-everyone-needs">doctor</a>. Some groups say women don&rsquo;t need a mammogram every year, and for many men, prostate-specific antigen (PSA) tests may fall in the category of &ldquo;not necessary, don&rsquo;t bother.&rdquo;

So why&nbsp;should&nbsp;you see your doctor?

There are a million reasons, of course, including the obvious ones&mdash;you&#39;re hacking up blood, you have the worst headache of your life (which, by the way, could be a <a href="https://www.sharecare.com/health/stroke-signs-symptoms/symptoms-of-a-stroke">sign of a&nbsp;stroke</a>), your spouse ran over your foot with the car, it hurts when you do&nbsp;this. But here are four other reasons that should make you think twice before breaking up with the man (or woman) in the white coat.

1. You&rsquo;re not a doctor. 
Watching&nbsp;medical shows&nbsp;on TV doesn&rsquo;t make you an MD. And while googling your health complaints on the web&mdash;even on&nbsp;Sharecare&mdash;may help you become more informed, it won&rsquo;t get you a definitive diagnosis or the right treatment plan. There&rsquo;s a reason it takes so long to become a physician.

2. You can&rsquo;t feel every problem. 
You can&rsquo;t feel if your blood pressure or cholesterol is too high. You can&rsquo;t feel&nbsp;you have <a href="https://www.sharecare.com/health/type-2-diabetes/slideshow/what-you-need-to-know-type-2-diabetes">diabetes</a> if you&rsquo;re not having symptoms, which many people in the early stages don&rsquo;t. You can&rsquo;t feel if a medication&mdash;maybe even an over-the-counter one&mdash;is slowly destroying your liver. And in each of these cases, the sooner you treat what&rsquo;s silently affecting you, the better.

3. Symptoms show up where you&rsquo;re not looking. 
Did you know that ophthalmologists are often the first doctors to&nbsp;detect diabetes?&nbsp;That skin cancer can appear between your toes or underneath your fingernails? That&nbsp;herpes&nbsp;can appear in strange places, like your nose? Your doctor knows where to look and what to look for.

4. Someday, the stuff might hit the fan. 
And if it does, having a relationship with a doctor you know and trust can be a tremendous help. Being comfortable with your doctor also makes it easier to talk about those embarrassing symptoms&mdash;like problems in the bathroom or pain &ldquo;down there&rdquo;&mdash;that might be nothing, or might signal a serious health problem.

If you can&rsquo;t remember that last time you saw a doctor, you&rsquo;re probably due. Don&rsquo;t have a doctor? <a href="https://www.sharecare.com/health/health-care-basics/article/choosing-a-new-doctor-five-questions-you-must-ask">Get one</a>. (Let&rsquo;s face it, if you didn&rsquo;t have someone to cut your hair, you&rsquo;d find someone long before it got embarrassing. And your health is a touch more important.) Don&rsquo;t like your doctor?&nbsp;Find a new one.&nbsp;And no, your favorite TV doctor doesn&rsquo;t count.

4 Reasons to See Your Doctor Now

Let&rsquo;s face it, stuff happens. You take a tumble from a curb and hit your head. The neighbor&rsquo;s normally friendly cat bites your child. You suddenly feel a heavy pain in your chest. Often it can be difficult to know what to do. Should you &ldquo;wait and see?&rdquo; Call your doctor? Make a beeline to the ER? Here&rsquo;s your cheat sheet for four common scenarios:

Do you need a local doctor that accepts your insurance? <a href="https://www.sharecare.com/find-a-doctor" target="_blank">Click here.</a>

1. Chest pain 
In the ER, we have the mantra that &ldquo;time is heart muscle&rdquo; &ndash;- meaning that if someone is <a href="https://www.sharecare.com/health/heart-attack/what-is-a-heart-attack">having a heart attack</a>, the sooner we can open the blocked blood vessel, less the permanent heart damage. That&rsquo;s why it&rsquo;s so crucial for people having a heart attack to get to the ER as quickly as possible. But how do you know it&rsquo;s a heart attack and not just a bad case of acid reflux? One of the commonly described symptoms is chest pressure &ndash;- &ldquo;an elephant is sitting on my chest&rdquo; is classic, although it can also be a sharp pain or feel like an ache. I start to worry if a patient describes this pressure, especially if it&#39;s lasted over five to 10 minutes and is accompanied by shortness of breath, breaking out in a cold sweat, spreading to your arm or back or vomiting. If you have these symptoms, call 911 or go to the ER immediately.

2. Cut with a foreign object in it 
I often treat patients who cut their hand on a wine glass that broke while they were doing dishes, a sharp, dirty tool or a kitchen knife slipped, or they had some similar mishap that cut the skin. When this happens, it&rsquo;s crucial to thoroughly clean the wound and remove all of the foreign material. Otherwise, the cut won&rsquo;t likely heal optimally -- and it has a high chance of becoming infected. If you&rsquo;re not sure it&rsquo;s clean enough or if you know pieces are still inside the skin, a doctor will need to irrigate it and wash out the pieces and bacteria. <a href="https://www.sharecare.com/health/first-aid-for-wounds/how-know-wound-needs-stitches">You may also need stitches</a> if the cut won&rsquo;t stop bleeding or if the skin gapes apart. An urgent care center may be able to handle this (call before you go) if your regular doctor isn&rsquo;t available. If they&nbsp;can&rsquo;t, head to your nearest ER.

3. Dog or cat bite 
I love dogs and cats, but their mouths are breeding grounds for bacteria and their bites come with a high chance of infection. Cats are especially a problem because their sharp teeth can deposit bacteria deep into the skin, even if the puncture wound appears to be small. If a cat or a dog has bitten you, you need to see a doctor. The cut needs to be thoroughly irrigated and you&rsquo;ll likely start antibiotics. You may also need a series of rabies shots if you don&rsquo;t know if the dog or cat was immunized for <a href="https://www.sharecare.com/health/rabies/symptoms-of-rabies">rabies</a>.

4. Fall and hit head 
After a head injury there are a few symptoms for which you should definitely see a doctor -- and you may even need the ER. <a href="https://www.sharecare.com/health/head-injury/what-symptoms-head-injury">Worrisome symptoms</a> include vomiting (especially if it&rsquo;s at least two or three times); a severe headache that&rsquo;s the worst you&rsquo;ve ever had; you have difficulty walking or talking; or you lose consciousness or have trouble staying awake.

If you do need emergency room treatment, <a href="https://www.sharecare.com/health/managing-your-health-care/article/6-emergency-room-secrets">use these six tips </a>to make the experience more bearable and -- depending on your condition -- speed you on your way.

4 Signs You Need a Doctor—or the ER

In the past, your health history was tracked on paper only, but that&#39;s no longer the case. Doctors and hospitals across the country are making things easier for you, turning those paper medical records of yesteryear into something more practical in the 21st century: the electronic health record. Here are five facts to help you understand more about it.

Electronic health records are the future. That&#39;s right. Many hospitals and doctors&rsquo; offices have already implemented electronic health records (EHRs) into their administrative systems. EHRs go beyond standard clinical data collected in a provider&rsquo;s office and can offer a broader view of your care:

<ul>
	<li>Syncs your health history, diagnoses, medicines, treatment plans, immunization dates, allergies, radiology images, and lab and test results within an online portal</li>
	<li>Allows all your doctors to access your record, making it easier for them to share information and coordinate your care</li>
	<li>Helps you create a personal, secure account to review all of your health information</li>
	<li>Gives providers evidence-based tools to help them make smarter decisions about your care</li>
</ul>

And the federal government encourages these changes by incentivizing healthcare practitioners and facilities to go electronic with their recordkeeping.

They&rsquo;re different than your personal health record (PHR). You control and maintain what&#39;s in your PHR. You can use it to collect, track and share past and current information about your health or the health of someone you&#39;re caring for. Whether you track this health information on paper -- or online -- is completely up to you, but it&#39;s becoming more popular in the form of an electronic health data application, which may be linked to your EHR. With an EHR, your doctor (or hospital) controls the information. They may be stored at a doctor&#39;s office, a hospital, an insurance company, or an employer.

You get better care. With all your medical information in one place, your doctor has a more complete and organized view of your health. EHRs help your doctors stay current with your conditions and treatments and track your progress over time. It also alerts them when you&rsquo;re due for preventive care. They even help prevent prescription errors, guarding you against incorrect dosages and harmful interactions with other medicines you may be taking. Ultimately, it&rsquo;s a more effective way to help your doctor help you.

EHRs save you money. EHRs can help you save cash. They make it less likely that doctors will order duplicate or unnecessary tests. They also make practices more efficienct, reducing administrative costs involved with transcribing notes, handling charts and billing. Those savings reduce overall healthcare spending&mdash;and the costs passed on to you.

You&rsquo;re not left out of your care. EHRs are designed to be accessed by everyone involved in your care, including you. Forgot something your doctor said during your visit? Your doctor can share notes from your visit with you, give you self-care or follow-up instructions and point you to web resources. An EHR can even help you schedule an appointment, send questions to your doctor via email and much more.

Medically reviewed in January 2020.

5 Facts About Electronic Health Records

If you don&rsquo;t think you have time for exercise, healthy meals or stress-busting techniques, you&rsquo;re not alone. Surveys report that crazy-busy schedules keep around 42% of North Americans from exercising and 21% from cooking and relaxing. One survey of time-starved people even reported that 58% of them said they&rsquo;d happily shell out $2,725 to fit an extra hour into their day!

But smart folks like you don&rsquo;t have to shell out big bucks to find time to do what you know is good for you. Research reveals amazing ways you can attain your health goals in tiny tidbits of time:&nbsp;

Get a great cardio work-out in 12 minutes. In an exciting study from Canada&rsquo;s McMaster University, overweight people who normally didn&rsquo;t exercise boosted their fitness with this speedy routine: A two-minute warm-up, followed by 3, two-minute interval work-outs. For each interval, exercise as hard as you safely can for 20 seconds, followed by two minutes of recovery at a slow pace. Do it two more times. End with a 3-minute cool-down.

Study volunteers used exercise bikes, but you could try doing it while walking on a treadmill or even marching or jogging in place in your living room. Study volunteers did it three times a week. After six weeks, their endurance and blood pressure had improved. &nbsp;

Weigh in for weight loss.&nbsp; The more often you weigh yourself, the more weight you&rsquo;ll lose, finds a study from Cornell University and Finland&rsquo;s Tempere University of Technology. If you don&rsquo;t want to step on the scale every day, once a week works, the researchers found. They analyzed a year&rsquo;s worth of weigh-ins from 40 dieters. Weight began to creep up in those who hadn&rsquo;t weighed themselves for about six days. Seems when you know the truth about your weight you can&rsquo;t as easily rationalize eating extra calories or acting like a couch-potato.

Get a handle on your health and banish isolation using health-boosting apps. In one new survey, just 18% of Canadians over age 50 used computer apps to manage their diabetes and just 5% used <a href="https://www.sharecare.com/health/health-care-basics/article/6-clever-ways-your-smartphone-can-make-you-healthy" target="_blank">smartphone</a> apps -- even though most owned the technology to run them. These tools can help improve blood sugar significantly without spending hardly any time messing with them. And some put you in touch with other folks working toward the same blood sugar control goals as you are -- and that support makes everyone more successful!

Plenty of other apps also exist that are designed to help you manage your weight, fitness, blood pressure and more. Step counters and fitness trackers are like a friendly good conscience sitting on your shoulder. There are even apps to make grocery store shopping purchases more healthy. And there&rsquo;s a bonus: In another study, older adults who got trained to use social media felt less isolated, because they could connect with friends and loved ones without leaving home.

Take a 15-minute stroll after lunch for better blood sugar, weight and mood. A 15-minute stroll after meals can help control your blood sugar, says a study from George Washington University. That&rsquo;s big news for the 29 million Americans with diabetes and the 83 million more with prediabetes. And you know how we feel about the cardio <a href="https://www.sharecare.com/health/benefits-of-walking" target="_blank">benefits of walking</a> 10,000 steps a day -- they&rsquo;re huge! Getting outdoors in the sunshine can also help reset your body clock for better sleep and a brighter mood, too.

Make the healthy dessert decision: Go for fruit. Added sugars may be more dangerous than too much salt for high blood pressure. The worst sources are commercial desserts packed with the known food felons: added sugars and sugar syrups, saturated fat and artery-clogging trans fats. Keeping your favorite fruit on hand is a great way to get more fiber, vitamins, minerals and antioxidant-boosting phytochemicals. They&rsquo;ll satisfy your sweet tooth, give you more energy and a sunnier outlook on your day.

Medically reviewed in March 2020.

5 Health Upgrades for Busy People

I consider myself lucky to be one of the 3.1 million registered nurses (RN) in the US, an amazing profession full of passionate, kind, brilliant women and men with years of education and experience in caring for sick and injured folks. Nurses are the heartbeat inside not just hospitals, but urgent care centers, doctor&#39;s offices, labs and much more. It&rsquo;s little wonder, then, that according to Gallup&#39;s annual Honesty and Ethics survey, nurses have been rated as the most trusted profession over the past 13 years. Here are five reasons why:

1. Nurses are leaders for better healthcare. 
Nurses advocate for patients and help shape public health policy by serving on city councils, in government agencies and on state advisory boards. Nurses can also be found in the halls of Congress, educating, informing and working closely with legislators to improve your health and safety. Nurses also contribute to groundbreaking medical research to improve the future of healthcare services.

2. Nurses are your medical confidantes. 
Nurses spend more time with patients than any other caregiver. They&rsquo;re educated to detect subtle changes in your appearance and behavior, keep a constant watch over your progress and anticipate problems. But even with such finely honed analytical and decision-making skills, your nurse can&rsquo;t pick up on those symptoms that only you know. Things you might not think worth mentioning&mdash;like feeling especially thirsty or lightheaded&mdash;could signal a more serious symptom that needs attention.

If you&#39;re being admitted to the hospital, bring any notes you&#39;ve kept about your symptoms and your top questions. Nurses don&#39;t mind if you come prepared with a list&mdash;in fact, they welcome it. Be sure to bring a list of all your current medications, including dose amounts and any supplements you take.

<a href="https://www.sharecare.com/askmd/get-started">Related: Track All of Your Symptoms and Medications with AskMD&trade;</a>

3. Nurses are your personal advocates. 
Nurses coordinate every aspect of your care to help keep the physician, pharmacy, lab and other caregivers informed and working together in your best interest. They&rsquo;ll help you to understand a difficult diagnosis by answering questions you may have forgotten to ask your doctor and help you make informed decisions.

<a href="https://www.sharecare.com/health/nursing/how-nurses-difference-health-patients">Related:&nbsp;How Nurses Make a Difference in Patients&#39; Health</a>

4. Nurses help you navigate a complicated system. 
You may find yourself flooded with information regarding your diagnosis and treatment that may be difficult to absorb even in the best of times. Your nurse can be a trusted go-between in communications with the larger healthcare team, including family members. She plays a key role in coordinating care when it&rsquo;s time for you to be discharged from the hospital. She makes sure that follow-up appointments are made, medications are ordered and anything else required for your recovery is in place.

5. Nurses see you as a whole person. 
When it&rsquo;s time for you to go home or to another healthcare facility, your nurse considers every aspect of your well-being&mdash;your physical, emotional and psycho-social needs. And she&rsquo;ll provide you with the information you need to live a healthier life that extends beyond the illness that initially brought you under her care.

<a href="https://www.sharecare.com/health/nursing/why-nurses-important">Related: What Dr. Oz Says About Nurses</a>

5 Things Your Nurse Wants You to Know

For many Americans, controlling healthcare costs is continually top of mind. But, health experts warn that you should never skip doses of prescription medication or take a smaller dose than prescribed in order to save money.

Unfortunately, not everyone follows that advice. A 2019 report from the Centers for Disease Control and Prevention (CDC) revealed that over 11 percent of Americans aged 18 to 64 have admitted to not taking their medicine as prescribed in order to save money. Among uninsured adults, almost 34 percent said they were less likely to take their medications as prescribed due to cost concerns.&nbsp;&nbsp;

&ldquo;If you&rsquo;re not taking your prescription, it can&rsquo;t work for you. And if you&rsquo;re taking it at less than the prescribed dose, it could be working for you less,&rdquo; says Keith Roach, MD, associate professor of clinical medicine at Weill Cornell Medical College in New York City. &ldquo;If you are taking an antibiotic or antiviral medicine&mdash;when it is at the right dose in your body, it keeps the bugs from growing. But once that level gets too low, then they have a chance of learning how to defeat the medicine you&rsquo;re taking.&rdquo;

In addition, skipping doses or only taking a partial dose can have other negative consequences, including increased visits to the emergency room and hospitalizations.

Strategies for reducing costs 
The next time you&rsquo;re thinking about how to <a href="https://www.sharecare.com/health/financial-planning-health-care/slideshow/worst-case-scenario-cant-afford-meds">reduce your drug costs</a>, use one or more of these strategies&mdash;before your health ends up paying the price.

Be informed. Your doctor may not be aware of your medication coverage. Look at your health insurance plan website or ask your pharmacist about preferred tier medications. Then share that information with your doctor. &ldquo;Your doctor wants to help you and work with you to figure out a way of using your benefits to the maximum,&rdquo; Dr. Roach says.

Use generics. Ask your doctor to write a prescription for a generic substitute, if possible. Keep in mind that there are a few instances where a brand-name medication is necessary. If you have a concern about the medication prescribed to you, talk to your health care provider.

Shop around. Drug prices vary by pharmacy, so do your homework and call around before getting your prescription filled. Use an app or website, such as <a href="https://www.sharecare.com/health/prescription-drug-medication-adherence/article/track-meds-save-money-sharecare">Sharecare</a>, to search and compare prices for your medications. And don&rsquo;t just think of pharmacies as sources. Many big box and grocery stores fill prescriptions at a lower cost. Consider mail-order as well. Many pharmacies and insurance providers will discount a drug if you order a 90-day supply. If you need medication for longer than three months, ask your doctor for an extended prescription. Do not rely on internet or foreign pharmacies, as they may sell counterfeit or dangerous drugs.

Seek help from the drug company. Contact the drug manufacturer to see if you qualify for an assistance plan for either low-cost or zero-cost medication. Many manufacturers also feature coupons on their website for brand-name medications. However, keep in mind that a manufacturer can stop issuing coupons without notice, so this may not be a long-term solution.

Ask, &ldquo;Do I still need this?&rdquo; Sometimes a person&rsquo;s medication profile needs a good cleaning, especially if you are prescribed medication by multiple doctors. Don&rsquo;t be afraid to speak up and ask your healthcare provider if you still need to take a certain medication.

Consider lifestyle changes 
In addition to prescribing the right medications, healthcare providers will often suggest lifestyle modifications to help with certain conditions and their symptoms. Suggested changes may include:

<ul>
	<li>Maintaining a healthy weight</li>
	<li>Eating a wholesome diet</li>
	<li>Beginning an exercise routine</li>
	<li>Practicing stress-relieving tactics</li>
	<li>Quitting smoking</li>
	<li>Getting enough sleep</li>
	<li>Reducing or eliminating alcohol</li>
</ul>

Taking the time to make your health a priority can also have a positive impact your wallet.

&ldquo;Treating any underlying condition through lifestyle can sometimes eliminate the need for medications and has so many other benefits,&rdquo; says Roach. &ldquo;Not only can it you save money, you can save side effects.&rdquo;

Even if you practice healthy habits, it may not eliminate the need for certain medications. Do not stop taking any prescriptions unless directed by your healthcare provider.

Keep an open dialogue 
If you are worried about the cost of a medication, don&rsquo;t feel embarrassed about speaking up. Your healthcare provider may not realize your financial limitations. They also may not know if you have poor coverage or no insurance at all.

&ldquo;Your physician can&rsquo;t help you if they don&rsquo;t understand what your situation is. They can help find a regimen for you that is something you&rsquo;re going to be able to afford,&rdquo; says Roach. &ldquo;It&rsquo;s much better to have a regimen you can afford and take every day than it is to be on a more expensive medication that you can&rsquo;t afford to take or that you take only intermittently.&rdquo;

Medically reviewed in July 2019.

Sources 
QuickStats:&nbsp;Percentage of Adults Aged &ge;18 Years Who Did Not Take Their Medication as Prescribed or Asked for Lower-Cost Medication to Save Money Among Those Prescribed Medication in the Past 12 Months, by Number of Chronic Conditions &mdash; National Health Interview Survey, 2018. MMWR Morb Mortal Wkly Rep 2019;68:990. 
Cohen RA, Boersma P, Vahratian A. Strategies used by adults aged 18&ndash;64 to reduce their prescription drug costs, 2017. NCHS Data Brief, no 333. Hyattsville, MD: National Center for Health Statistics. 2019. 
Medicare. &ldquo;Lower Prescription Costs&rdquo; 
UpToDate. &ldquo;Coping with high drug prices (Beyond the Basics)&rdquo;Centers for Disease Control and Prevention. &ldquo;How You Can Prevent Chronic Diseases&rdquo;

5 Ways to Pay Less for Medications

No one looks forward to a&nbsp;<a href="https://www.sharecare.com/health/managing-your-health-care/article/what-to-expect-in-the-er">trip to the ER</a>. And as an ER doctor, there&rsquo;s nothing better than making a patient&rsquo;s diagnosis and seeing her feel better after treatment. But you may be surprised to learn there are a few little things you can do to make the experience a little more bearable and, depending on your condition, speed you on your way:

1. Don&rsquo;t be shy about your problem. 
You will not embarrass an ER doctor or nurse. We have literally seen it all and heard it all, so&nbsp;<a href="https://www.sharecare.com/health/managing-your-health-care/slideshow/7-white-lies-can-harm-health">don&rsquo;t be afraid to open up</a>. Knowing all the details of your symptoms, when the condition started and what may have brought it on helps us give you the very best care.

2. Ask before you pee.&nbsp; 
If you have to urinate,&nbsp;<a href="https://www.sharecare.com/health/health-care-basics/slideshow/10-things-nurses-wish-their-patients-knew">check with the nurse</a>&nbsp;first to see if we&rsquo;ll need a sample. I frequently have patients on whom I want to check a urine test for infection, pregnancy or some other reason, but then find out they just urinated. This means we (including you) spend another two hours waiting until you have to go again. Save yourself the time. When you feel the urge, ask a nurse or wait until you&rsquo;ve seen the doctor.

3. Do not eat before you come to the ER.&nbsp; 
Some procedures require sedation&mdash;and that means not eating four to six hours prior. Obviously this can&rsquo;t always be controlled, but if you suspect you may need the ER, don&rsquo;t have a snack before you head out the door. And once you get there, skip the vending machine. I have literally had patients sit there waiting for time to pass just so I can sedate them and treat their condition or injury.

4. Bring your medication list.&nbsp; 
Some drugs cannot be combined, so before we begin treatment we need to know what you take, including any supplements. Time spent tracking down your meds can also delay your care.

5. If you&rsquo;d like privacy with your doctor, just ask.&nbsp; 
You can always ask family to leave the room. But if you don&rsquo;t feel comfortable doing so, here&rsquo;s your exit strategy: go to the bathroom (ask the nurse to take you) and tell him or her that you want them out but are afraid to say anything. Whenever a patient makes this request (the nurse will discreetly let me know), I ask family to leave and I&rsquo;ll take the blame. That way, patients get the privacy they need without blowback.

6. Being nice will get you everywhere. 
It&rsquo;s hard to be kept waiting, especially if you&rsquo;re physically uncomfortable and worried about your health. Understandably, you may have a short fuse. Which is why a patient who is nice and appreciative can be the exception to the rule&mdash;and inspire staff to go the extra&nbsp;extra&nbsp;mile.

Medically reviewed in June 2019.

6 Emergency Room Secrets

Whether you&rsquo;ve been in an accident, gotten injured at the gym, or simply have a pain you can&rsquo;t explain, you never know when you&rsquo;ll end up in the emergency room. If it happens to you, you&rsquo;ll probably want to get in and out fast&mdash;especially given the COVID-19 pandemic. Use these tips to stay healthy and safe the next time you have to go to the ER.

Get your ID checked 
The emergency room is a busy place. And even though you may be dealing with the same hospital staff or assigned to the same bed for your entire stay, it&rsquo;s important that your nurse or healthcare provider (HCP) checks your ID multiple times by asking your name and date of birth, and/or scanning your hospital wristband before giving you any treatment. The wristband itself should include your name and date of birth, as well as your date of admission and hospital identification number.

Wash your hands and ask your HCP to wash theirs 
The Centers for Disease Control and Prevention (CDC) estimates that 1 in 25 patients develop an infection related to hospital care. Protect yourself against infections by wearing a mask and <a href="https://www.sharecare.com/health/coronavirus/article/how-to-wash-hands">washing your hands</a> for at least 20 seconds using soap and water whenever possible. You can also use an alcohol-based sanitizer; rub your hands with it until they&rsquo;re dry. Don&rsquo;t be afraid to ask your HCP to wash their hands before treating you, too, just to be safe.

Speak up 
Tell your ER provider about all your symptoms and what&rsquo;s worrying you. If you&rsquo;ve been exposed to someone with COVID-19 or believe you may have it, make sure to let them know. This will help your healthcare team properly diagnose and treat you. If you&rsquo;re in pain or sick, it&rsquo;s easy to forget to raise your questions and concerns, so bring along a friend or family member if you can, and if the ER allows it. Your crew can help you oversee your healthcare needs if you forget anything or if you&rsquo;re unable to speak for yourself. And when it comes to treatment, don&rsquo;t be afraid to ask about all of your options.

Bring a list of your current medications 
You&rsquo;ll want to tell your HCP about any medications, vitamins, herbals, and/or supplements you take. This will help prevent you from getting medications that could interfere with them.

You shouldn&rsquo;t take any medication when you&rsquo;re in the ER unless your HCP prescribes it. If you are prescribed a drug, ask why. And if the meds make you feel worse, tell an HCP immediately.

Make friends with the nurses 
Shift changes are the most likely times for medical mistakes to happen. Before your current nurse leaves for the day, review your chart with them and ask about treatments you should expect to receive. Remember: Your new nurse needs to double-check your wristband before administering any medication.

Get vaccinated 
While you may be in the emergency room for a sprained ankle, the person sitting to your right could be there for a contagious disease like the <a href="https://www.sharecare.com/health/coronavirus/article/coronavirus-not-just-a-cold">flu or COVID-19</a>. That means you could leave the hospital only to return in a couple of days because you&rsquo;re infected. While you can&rsquo;t predict trips to the emergency room, you can protect yourself against certain infections by being up-to-date on <a href="https://www.sharecare.com/health/adult-vaccination/slideshow/5-vaccines-adults-need">your vaccinations</a>&mdash;including your COVID-19 shot.

Sources:

John T. James, PhD.&nbsp;&ldquo;A New, Evidence-based Estimate of Patient Harms Associated with Hospital Care.&rdquo; Journal of Patient Safety. September 2013 - Volume 9 - Issue 3 - p 122-128. 
Centers for Disease Control and Prevention. &ldquo;Healthcare-associated Infections: HAI Data.&rdquo; October 5, 2018. Accessed April 20, 2021.

6 Tips for Navigating the ER

It&#39;s no secret that financial wellbeing can take a toll on our stress levels, and that money is a considerable source of worry for many US adults. In fact, in one survey from the American Psychological Association (APA), nearly three-quarters of participants reported feeling stressed about money during the previous month&mdash;and 22 percent said that money had even caused extreme stress.

Prolonged stress can damage our <a href="https://www.sharecare.com/health/financial-planning-health-care/slideshow/how-money-stress-health-longevity">mental and physical health</a>, and that includes stress stemming from money issues. For example, a study published in 2018 in Proceedings of the National Academies of Sciences reported that certain indicators of Americans&#39; health worsened during the 2008 recession, including blood pressure and blood glucose levels, especially in younger adults and older homeowners.

Furthermore, financial stress can increase behaviors linked with health problems, such as eating poorly, lack of exercise and substance abuse&mdash;and those issues can cross generational lines.

What we&#39;re stressed about 
There&#39;s no single reason Americans are worried about money; there are a variety of causes, including:

<ul>
	<li>Debt: <a href="https://www.sharecare.com/video/health-topics-a-z/financial-health/what-are-the-red-flags-that-im-in-too-much-debt">Consumer debt</a> in the US tripled between 1980 and 2010. Much of that is related to credit card debt; between 1989 and 2006, it increased over $650 billion (in 2006 dollars), and the number of households with more than $10,000 in credit card debt skyrocketed from 3 percent to 27 percent. Furthermore, student loan debt topped $1 trillion as of 2012.</li>
	<li>Lack of job security or stable income: Job stability is another significant cause of stress. In fact, a report by the Behavioral Science and Policy Association found it was linked to an increased likelihood someone will say they&#39;re in poor health by about 50 percent. Erratic income makes it difficult to budget and plan, and between 2014 and 2015, about one-third of US households reported that their income varied at least 25 percent from year to year.</li>
	<li>Medical bills: In 2007, 62 percent of all bankruptcies were related to medical bills, up from less than 50 percent just six years earlier. Furthermore, about 12 percent of adults have not gone to the doctor (or considered not going) because they were concerned about money.</li>
	<li>General uncertainty: More than 60 percent of US adults say uncertainty about the future and their health (and the health of others) is a very, or somewhat significant, source of stress.</li>
	<li>Caring for family members: If you provide unpaid care for a family member who is ill or disabled, you are not alone. In 2012, more than one in three Americans did. In fact, in 2013, family caregivers provided $470 billion worth of unpaid care. Providing unpaid care can stretch already limited time and financial resources, which can also increase stress.</li>
</ul>

Who is stressed 
It seems we all are. In an April 2016 financial wellness survey by Alexandria Capital, 38 percent of boomers, 46 percent of Gen Xers and 51 percent of Millennials said financial matters are a top cause of stress. The most common concern: not having enough savings to cover emergencies. However, what specifically stresses each generation varies somewhat.

<ul>
	<li>Millennials (born between 1981 and 1996) worry about too much debt, including high credit card balances and student loans. They also struggle with sticking to a budget and keeping up with living expenses.</li>
	<li>Mid-career adults, or Gen Xers&nbsp;(born between 1965 and 1980) are worried about a range of financial concerns, from running out of money in retirement to meeting monthly expenses to losing their jobs.</li>
	<li>Baby boomers (born between 1946 and 1964) are heading into retirement, so it&rsquo;s not surprising that retirement-related concerns top their money worries, particularly the cost of healthcare. As with younger generations, boomers are also worried about not having enough money to retire and having too much debt.</li>
</ul>

Social support&mdash;and growing older&mdash;helps us cope 
Not all stress is bad, of course. However, when it persists, or you have few resources to cope with it, it can lead to serious physical and mental health problems. The APA encourages people who are overwhelmed by stress to seek support from trusted friends and family&mdash;because social support is extremely important&mdash;or a mental health professional. Try Sharecare&#39;s <a href="https://www.sharecare.com/find-a-doctor">Find a Doctor</a> tool to locate one in your area.

The APA also reports that the older you become, the more skills you develop for coping with stress. So, hang in there, and try <a href="https://www.sharecare.com/health/financial-planning-health-care/article/ways-curb-money-anxiety">these steps</a> for coping with your anxieties in the meantime. With time, experience and know-how, it can get better.

Medically reviewed in July 2018.

Why Is Money Such a Powerful Stressor?

Want to save cash at the supermarket, your local drugstore&mdash;or just about anywhere? Try these tips.

6 Money-Saving Secrets Retailers Don’t Want You to Know

You&rsquo;re having a medical emergency&mdash;do you go to the <a href="https://www.sharecare.com/health/critical-care/what-is-emergency-room-er">emergency room</a> where the waiting room always seems crowded? Or head to the quieter one where you figure you&rsquo;ll be seen more quickly?

The answer may surprise you.

According to a study published in the Annals of Emergency Medicine, emergency rooms that treated more patients per year also seemed to have some of the best outcomes.

The study analyzed data on 17.5 million emergency department patients treated at over 3,000 hospitals around the US for overall mortality. While the authors warn against telling patients to change their ER choice based on this data, Dr. Keith Kocher, the lead author, stated, &ldquo;The bottom line is that emergency departments and hospitals perform differently. There really are differences in care, and they matter.&rdquo;

The researchers concluded that 24,000 fewer patients would die each year if all emergency patients received the kind of medical treatment provided at the busiest emergency departments. The findings also took into account factors such as patients&rsquo; health and income level, location of the hospital and technology.

So, what does this mean for you?

<ul>
	<li>When it comes to critical, time-sensitive cases&mdash;such as <a href="https://www.sharecare.com/health/infectious-disease/what-is-sepsis">sepsis</a>, <a href="https://www.sharecare.com/health/critical-care/are-there-warning-signs-respiratory">lung failure</a>&nbsp;and <a href="https://www.sharecare.com/health/heart-attack/what-is-acute-myocardial-infarction">heart attack</a>&mdash;hospitals that see more patients with those conditions tend to have better outcomes. This is less important for more run-of-the-mill conditions (for instance, there wasn&rsquo;t a significant difference in the treatment of <a href="https://www.sharecare.com/health/pneumonia/what-symptoms-of-pneumonia">pneumonia</a>).</li>
</ul>

Does it mean you should drive farther to go to a bigger ER? In a word: No. Since time is often of the essence and you may not know what your condition is, delaying care in order to reach one specific hospital can be dangerous. When it comes to a medical emergency, any ER is better than none. However, if you have the choice of two ERs that are a similar distance apart, you may want to consider the one that regularly treats more patients.

Why Busy ERs May Be Better

When I ask clients to list categories of spending, they&rsquo;re real quick to offer food, shelter, clothing, transportation, education, travel, entertainment, and a few others. But there are two categories no one ever mentions, and I think this helps explain why you&rsquo;re in debt.

Unexpected Expense #1: Repairs 
When I see that people have credit card debts, I ask why. And they often reply with something to the effect of, &ldquo;Well, the car broke down. It cost $800 to fix. As soon as I get out from under that, I&rsquo;ll be okay.&rdquo; And they work real hard and they pay off $100 a month until they get rid of that bill, and guess what happens next? The roof leaks. Or their son falls on the playground and breaks his arm. Or the washing machine dies. Let&rsquo;s face it: Life happens. Yet when things happen, people feel shocked, as though they didn&rsquo;t know things happen.

If you think occurrences like these are unexpected, you&rsquo;re deceiving yourself. Things are great until the car breaks down. Things are great except you owe $500 in taxes. Things are great until the basement floods. Things are great until the next thing happens. Time, a great physicist once said, is just one damn thing after another.

You just bounce from one crisis to another, like the guy who&rsquo;s always losing 10 pounds. He loses 10 pounds but then it&rsquo;s Thanksgiving. So in January he loses 10 pounds again, then it&rsquo;s Easter. Afterward, he loses 10 pounds, and it&rsquo;s Father&rsquo;s Day. He loses 10 pounds and goes on vacation. It&rsquo;s just a vicious circle, and we find our debt clients running round and round all the time. They&rsquo;re constantly going from &ldquo;I paid off my credit cards&rdquo; to &ldquo;I owe $2,000&rdquo; because they don&rsquo;t recognize that expenses in the unexpected category occur all the time. While it&rsquo;s true we don&rsquo;t know what the expense is, when it will occur, or how much it will cost, we should acknowledge that something will occur&mdash;and it&rsquo;s going to cost us money.

This is why you can&rsquo;t track your expenses for just one month. You must do it for six months because you might go several months without an incident. And if you have a crisis that costs you several hundred dollars every four or five months&mdash;and you do, as tracking your expenses will reveal&mdash;you&rsquo;ll learn that you must set aside enough money on a monthly basis to prepare for it. So set a new category for yourself called UNEXPECTED.

Unexpected Expense #2: Gifts 
Haven&rsquo;t you heard of Christmas or Hanukkah? Every December, people are overwhelmed by the money they spend on presents. Then they get to January and say, &ldquo;Thank goodness that&rsquo;s over,&rdquo; and they spend the next six months paying off the bills. Come November, they get shocked all over again.

It&rsquo;s easy to prepare for the costs of gift-giving: Just look at last January&rsquo;s credit card bills and checkbook&mdash;because you&rsquo;re going to do it again this year! And while we&rsquo;re on the subject, does anybody you know have a birthday? If you&rsquo;re not anticipating birthdays, anniversaries, graduations, confirmations, weddings, births and other milestones in the lives of those you love, you&rsquo;re just adding to the &ldquo;repair bill crisis&rdquo; that is certain to hit you.

Control Yourself 
After completing their six-month review, many people show me their results and lament all the money they spend on gifts. &ldquo;But I&rsquo;ve got no choice,&rdquo; they say. &ldquo;I&rsquo;ve got a large family and we&rsquo;re very close,&rdquo; implying they are forced to spend hundreds or thousands of dollars every year.

Nonsense. If you are deep in debt, you have no business spending money you don&rsquo;t have on gifts that people don&rsquo;t need. You can bake cookies or rely on a hobby to make them a gift. Write a check to the American Cancer Society and tell the family that you&rsquo;ve done so in their name.

Do you think I&rsquo;m being cheap? Hey, I&rsquo;m talking about survival here. If you were rich, yes, I&rsquo;d say you were cheap. But since you&rsquo;re broke, I&rsquo;d say you are prudent. And if your family&mdash;the people who know you best and love you most&mdash;can&rsquo;t support you in your efforts to <a href="https://www.sharecare.com/health/financial-planning-health-care">improve yourself financially</a>, then shame on them. &nbsp;

Have you ever heard the phrase &ldquo;the rich get richer and the poor get poorer?&rdquo; It&rsquo;s true, because the rich keep doing the things that got them rich, while the poor keep doing the things that got them poor. But you&rsquo;re not poor, you&rsquo;re just broke. And although you&rsquo;re broke at the moment, that will change because of your desire and your effort to change.

Ric Edelman is Founder and Executive Chairman of Edelman Financial Services, LLC, a Registered Investment Advisor, and an Investment Advisor Representative who offers advisory services through EFS and is a Registered Representative and Registered Principal of, and offers securities through, EF Legacy Securities, LLC, an affiliated broker/dealer, member FINRA/SIPC.

From the book <a href="https://www.amazon.com/gp/product/0062006487/ref=as_li_qf_sp_asin_il_tl?ie=UTF8&amp;tag=sharecare-20&amp;camp=1789&amp;creative=9325&amp;linkCode=as2&amp;creativeASIN=0062006487&amp;linkId=59220c99712c0980100187cfd5f5117d">The Truth About Money (Fourth Edition)</a> by Ric Edelman. Copyright &copy;1996, 1998, 2000, 2004, 2010 by Ric Edelman, Edelman Financial Services LLC Reprinted by permission of Harper Business, an imprint of HarperCollins Publishers.

Medically reviewed in August 2018.

2 “Unexpected” Expenses That Keep You in Debt

If you are currently enrolled in an eligible high-deductible health insurance plan, contributing money to a <a href="https://www.sharecare.com/health/health-insurance/article/what-is-hsa-should-you-have-one">health savings account (HSA)</a> is a great way to save on medical costs. Any money in these funds can be used for medical expenses that your health insurance does not cover and can be applied to costs that you, your partner or your dependents incur.

Another bonus: These accounts are funded directly from your paycheck with pre-tax dollars. Employers and family members can also make contributions to your HSA.

So how exactly can you use your HSA funds? From co-pays to preventive care to alternative treatments, there may be much more covered than you realize. Here are some of the ways you can plan to use your saved money.

To remember, though: This is not an exhaustive list and rules around HSA eligibility change frequently. Before tapping your HSA to pay for medical expenses, it&rsquo;s always a good idea to check with your insurance provider or the administrator of your savings account.

Medical costs: You can use your HSA funds on charges like co-pays, deductibles, co-insurance and lab fees. You can also pay for ambulance rides, diagnostic scans, hospital services and surgical procedures that are not cosmetic. In addition, HSAs can also be used to pay for preventive care costs including medical exams, check-ups, well visits, vaccinations and screenings.

Medications: Prescription medications have always been covered by HSA money, along with some over-the-counter (OTC) meds that had a doctor&rsquo;s prescription. Now, with the passage of the Coronavirus Aid, Relief, and Economic Security (CARES) Act&nbsp;in March 2020, that coverage has been enhanced: OTC medications are now HSA-eligible. Most vitamins and supplements cannot be purchased using HSA dollars, however, although there are some exceptions, such as prenatal vitamins.

Dental: You can use your HSA to help with dental expenses. This includes preventive care&mdash;exams and cleanings&mdash;as well as certain treatments like fillings, X-rays, braces and dental surgeries. Don&rsquo;t try to buy your toothpaste, floss, mouthwash and other oral care products with your HSA card, however. These items are not covered. The same goes for any teeth-whitening procedures.

Vision: Eye exams, glasses, contacts, prescription sunglasses and surgeries can all be paid for with your HSA account. Even procedures like LASIK vision correction are often covered.

Maternal and women&rsquo;s health: Your HSA money covers a wide variety of procedures and items for women, including:

<ul>
	<li>Breast pumps and other lactation supplies</li>
	<li>Birth control</li>
	<li>Menstrual care products</li>
	<li>Pregnancy tests</li>
	<li>Fertility treatments, including in-vitro fertilization</li>
	<li>Midwife and doula services</li>
	<li>Costs associated with childbirth</li>
</ul>

Hearing assistance: Hearing aids as well as telephone and television equipment for the hearing impaired can be purchased with money from your HSA. You can also get reimbursed for the cost difference between braille books or magazines and a normally priced item.

Medical equipment: This may include testing equipment, thermometers, crutches, wheelchairs and medical alert bracelets.

Mental health: You can use your HSA to help pay for psychiatric care, including visits to a psychologist, therapy sessions and prescription medication.

Alternative therapies: Some of the covered therapies include acupuncture and chiropractic services. Massage may be covered under your HSA benefits but only if it&rsquo;s medically necessary.

Cessation programs: These can include drug and alcohol addiction programs, as well as smoking cessation therapies.

Expenses to assist with disabilities or special needs: Some eligible expenses include the cost of guide dogs, special education for disabled dependents and any modifications you might need to make to your home or car to accommodate family members with disabilities.

Additional expenses: If deemed medically necessary, other purchases that you may be able to cover through your HSA include sunscreen, lodging while you or family members seek medical care, various nursing home expenses, in-patient care meals, transportation to medical services, wigs, lead-based paint removal and weight loss programs that are medically necessary.

What can&rsquo;t you purchase using HSA funds? 
Some expenditures, even though related to health, may not necessarily be considered qualified medical expenses. Options that are not covered under your HSA can include but are not limited to:

<ul>
	<li>Cosmetic surgeries</li>
	<li>Gym and exercise services</li>
	<li>Protein powder</li>
	<li>Baby formula</li>
	<li>Diapers</li>
	<li>Baby-sitting for healthy babies</li>
	<li>Many personal care items</li>
</ul>

Unfortunately, most items used to help prevent COVID-19 transmission are also not eligible, including hand sanitizer, face masks and cleaning supplies.

What to know before you spend your HSA money 
Keep these tips in mind as you plan out your medical expenditures:

Some expenses may require a letter of medical necessity (LMN). This is proof from a doctor that the expense you are seeking reimbursement for is medically necessary. For example, certain HSA funds will cover massage therapy if it is deemed essential by your doctor.

Every HSA is different. Some insurance providers will need an LMN for certain expenses, while others may not. But covered expenses should generally be consistent, since those expenses are determined by the IRS. Also keep in mind that HSAs offer different options and benefits than other, often similarly-named accounts, such as medical savings accounts, flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs). Talk to your employer&rsquo;s benefits department or your health insurance provider to learn about your options, and be certain you understand the parameters of the type of account you are enrolled in.

Rules frequently change. It&rsquo;s important to keep tabs on the guidelines. OTC medication, for example, was not covered until earlier this year. Likewise, some eligible expenses could be removed in future years. Always check in with your insurance provider or the company that manages your HSA before planning your medical spending.

Medically reviewed in June 2020.

Sources: 
Congressional Research Service. &ldquo;Health Savings Accounts (HSAs).&rdquo; 
U.S. Centers for Medicare &amp; Medicaid Services. &ldquo;Health Savings Account (HSA).&rdquo; 
AARP. &ldquo;Your Secret Retirement Investment.&rdquo; 
Internal Revenue Service. &ldquo;Publication 969 (2019), Health Savings Accounts and Other Tax-Favored Health Plans.&rdquo; 
HSAStore. &ldquo;HSA Eligibility List.&rdquo; 
Alicia Adamczyk. &ldquo;You can now use your FSA or HSA funds for over-the-counter medications and feminine care products.&rdquo; CNBC. April 23, 2020. 
HealthEquity. &ldquo;Letter of medical necessity.&rdquo; 
HSAStore. &ldquo;Your HSA COVID-19 Prep Cheat Sheet: What We Carry and Why.&rdquo; 
HSABank. &ldquo;HSA, HRA, Healthcare FSA and Dependent Care Eligibility List.&rdquo; 
Discovery Benefits. &ldquo;The CARES Act and What It Means For Your Benefits.&rdquo;

How Can I Use My HSA Funds?

Actress Rita Wilson, wife of actor Tom Hanks, recently revealed a very personal decision. After being diagnosed with breast cancer, she had a double <a href="https://www.sharecare.com/health/breast-cancer/what-is-a-mastectomy">mastectomy</a> and reconstructive surgery. What&rsquo;s really making headlines, however, is that her cancer was detected only after she sought a second -- and then third -- opinion on her biopsy results.

Given the value of <a href="https://www.sharecare.com/health/cancer-diagnosis/why-is-early-detection-of-cancer-important">early detection in cancer</a> and other conditions, you may be wondering: When should I get a <a href="https://www.sharecare.com/health/managing-your-health-care/do-have-get-second-opinion">second opinion</a>?

Many experts recommend getting a second opinion when the stakes are high. &quot;And that doesn&rsquo;t have to be cancer,&rdquo; says <a href="https://www.sharecare.com/user/dr-keith-roach">Keith Roach, MD</a>, chief medical officer of Sharecare and associate professor of clinical medicine at Weill Cornell Medical College in New York City. You may want to get a second opinion before undergoing routine surgery or taking a course of powerful medications.

&ldquo;The importance of a second opinion is two-fold. The more important reason is to avoid an error in diagnosis and to ensure proper treatment. The second reason is to provide a level of comfort and certainty to the person who is looking at the upcoming medical procedure.&rdquo;

<a href="https://www.sharecare.com/health/lab-tests/what-is-pathologist">Pathologists</a> and <a href="https://www.sharecare.com/health/diagnostic-imaging/what-is-radiologist">radiologists</a> are experts at interpreting the results of cancer tests, but they&rsquo;re not infallible. That&rsquo;s why most doctors agree that getting a second opinion is reasonable and do not get upset by a cautious person seeking them. &ldquo;Double checking the pathology in the very first place before treatment starts can make a significant difference in terms of the outcome,&rdquo; says Dr. Roach.

<a href="https://www.sharecare.com/user/dr-michael-roizen">Michael Roizen, MD</a>, Sharecare advisory board member and chief wellness officer at Cleveland Clinic, agrees. He says whether you&rsquo;re looking at a mammogram, a pathology specimen or the need for antibiotics, 30 percent of the time the diagnosis and/or treatment changes with a second opinion.

In cases where the first and second medical opinions are at odds, &ldquo;keep on going until you get consistency,&rdquo; Dr. Roizen says. &ldquo;We get very difficult cases here [at the Cleveland Clinic]. In fact sometimes we get patients seeking fourth and fifth opinions. And if we still don&rsquo;t know what&rsquo;s wrong, we&rsquo;ll say, look, we don&rsquo;t know, but this is what treatment we&rsquo;re going to try at first. If it doesn&rsquo;t work, we&rsquo;ll go another way.&rdquo;

Medically reviewed in June 2019.

When to Get a Second Opinion

Learn how emotions affect your finances, plus get five tips to better your budget.

How Can I Make Smarter Decisions About Money?

Life insurance is an important way to provide protection for your family. However, it&#39;s often misunderstood, and misconceptions are plentiful&mdash;including that it&#39;s expensive and difficult to purchase. But once you have a basic understanding of what life insurance is, how it works and the two main types of life insurance, you&rsquo;ll be on your way to providing protection and financial security for your family.

What is life insurance? 
<a href="https://www.sharecare.com/video/health-topics-a-z/financial-health/how-do-i-know-which-type-of-life-insurance-is-right-for-me">Life insurance</a> is a contract between you and an insurance company where you make a monthly or annual payment&mdash;the premium&mdash;and the insurance company pays a specified amount of money&mdash;the death benefit&mdash;to your beneficiaries when you pass away.

If you have people who depend on your income, like underage children, a spouse or elderly parents, then life insurance is imperative. You should also consider life insurance if someone would incur additional costs if you pass away (like childcare for example). The money obtained from a policy can help your family pay their regular monthly bills, your children&rsquo;s future college tuition or for your funeral expenses and outstanding medical bills. In some cases, people decide to purchase a policy when a major life event takes place&mdash;like getting married, buying a home, starting a business or having a baby&mdash;but life insurance can be purchased at any time.

In fact, the sooner you buy life insurance, the lower your monthly or annual payments will likely be. Other factors that determine the cost of life insurance are your health status, medical history and driving record. Smoking status is also a large determinant of your payments, with non-smokers generally receiving significantly better rates.

While historically, purchasing life insurance required medical exams and blood testing, this is often no longer the case. In fact, for relatively healthy individuals, many insurance companies offer a benefit of up to $1 million without a medical exam or blood test. For larger policies or for people with extensive medical histories, a medical exam can still be required.

Two basic types of life insurance 
The <a href="https://www.sharecare.com/health/financial-planning-health-care/what-different-types-life-insurance">two main types of policies</a> are term life insurance and permanent life insurance.

Term life insurance offers a cash payout if you pass away during a specific period of time (for example, 10, 20 or 30 years); you pay via a fixed monthly or annual premium during the term of the policy. Term insurance is a viable option for covering specific costs such as a mortgage or college education. Often times, insurance companies will allow you to convert your term policy into a permanent policy for a specified period of time after purchase.

Permanent life insurance offers lifetime protection with a cash payout at the time of death, regardless of when that is. It often includes a cash account value that you may be able to access while you are alive, which has the ability to grow, similar to money in other investments (mutual funds, or bonds). Your monthly payments may be fixed or they may be flexible depending on the type of policy you choose. Permanent life insurance is a viable option for people looking to pass money on to their family after they pass away, or for people concerned about paying for funeral costs or medical bills at the time of their passing.

Some employers offer life insurance as a benefit to their employees. While this is generally temporary&mdash;good only while you are employed with the company&mdash;it may be wise to take advantage of this benefit, as the monthly payments may be offset by your employer. But if you have family who is dependent upon your income, additional insurance, outside of work is generally required. Life insurance can be purchased online, over the phone or from a licensed financial professional.

Medically reviewed in July 2018.

What Is Life Insurance?

We&rsquo;re all familiar with the American Dream: a college education, a safe and comfortable house for the family, enough cash to afford monthly expenses and maybe even a little bit left over to put into savings or towards a vacation. Unfortunately, for many of us, achieving the American Dream means taking on a lot of debt, too. Investing in your education or a home is a great way to build personal and financial equity, of course, but if you rack up too much debt doing so, you put your finances, property and even your health at risk.

The sources of Americans&rsquo; debt 
So, what&rsquo;s causing our debt? There are a few obvious sources, like college loans, but some other common expenses might surprise you.

Your home: It may come as no shock that housing is the largest monthly expense for many people. Like we said, investing in a house is a great way to build financial equity. But if you can&rsquo;t afford your mortgage, home insurance and taxes each month, you&rsquo;re not just hurting your credit score&mdash;you risk losing your home, too. As a rule of thumb&mdash;whether you own or rent&mdash;try to spend no more than 30 percent of your income on housing. This should leave you with plenty of cash for other expenses, like food, utilities, transportation, child care and savings for your emergency fund at the end of each month.

Your education (or your kids&rsquo;): Reports have shown that, on average, those with college degrees will earn approximately $1 million more over their lifetime than those without a college degree. Many graduates, however, have to take out student loans to earn those degrees. That&rsquo;s why it&rsquo;s so important to consider how borrowing will affect future finances&mdash;for both parents saving up for their kids&rsquo; college funds and students taking on loans. Before taking out a loan, be sure to assess the type of school you&rsquo;ll be paying for (public vs. private) and the planned area of study (a high-paying degree vs. a lower-paying degree). These two factors will help you determine how much student loan debt is just too much, and whether or not you&rsquo;ll be able to pay it back comfortably.

Your medical expenses: Even for those with health insurance, planned and <a href="https://www.sharecare.com/video/health-topics-a-z/financial-health/5-ways-to-cut-down-on-medical-bills">unplanned medical expenses</a> can be extremely expensive&mdash;and the costs are climbing. In fact, according to the Centers for Medicare and Medicaid Services, the national spending on healthcare reached $3.3 trillion in 2016, or about $10,348 per person in the United States. Plus, benefit coverage and the cost of care can be confusing or unclear to many people&mdash;especially in emergency situations&mdash;resulting in substantial, unplanned expenses. So, how should you handle a major medical bill? Having an &ldquo;emergency fund,&rdquo; or at least three to six months&rsquo; worth of living expenses saved, can help offset surprise medical costs. Alternately, many hospitals and doctors&rsquo; offices will work with you to develop a monthly payment plan based on your income.

Your kids: Did you know it runs a middle class family approximately $250,000 to raise a child in the United States, not including the price of college? Between housing, food, education, child care and other everyday expenses, the cost of raising a child can seriously add up&mdash;and many people aren&rsquo;t prepared to take on that expense. Plus, unexpected expenses or having multiple children can raise that figure exponentially. The solution? You can try to develop a family plan and stick to it, but of course, not every child can be planned (hey, it happens!). That&rsquo;s why it&rsquo;s important to have a solid savings base and adhere to your monthly budget.

Your home improvements: Those weekend trips to the hardware store can certainly add up&mdash;to the tune of about $340 billion each year in the US. Home improvements are one of the largest sources of debt for Americans simply because it&rsquo;s easier and more affordable to improve and repair current housing than it is to find new housing all together. Unexpected expenses like a broken air conditioning unit or hot water heater don&rsquo;t help, either. Even if substantial home improvements aren&rsquo;t in your short-term (or even long-term) financial plans, setting aside a few dollars each month towards them can help offset the costs.

Debt doesn&rsquo;t just hurt your credit score 
You may know taking on too much debt can result in a lower credit score, home foreclosures and the repossession of cars and other belongings. But did you know poor finances can seriously <a href="https://www.sharecare.com/health/financial-planning-health-care/slideshow/how-financial-stress-hurts-health">affect your health</a>, too?

According to a survey by the American Psychological Association, 72 percent of Americans feel stressed about money from month to month. Financial concerns like excess debt can affect one&rsquo;s general health by:

<ul>
	<li>Increasing daily stress: Everyday stress can have seriously detrimental effects on your mental, emotional and physical health. Not only can stress contribute to depression and anxiety, but it&rsquo;s also been linked to cardiovascular issues (such as heart attack, stroke and high blood pressure), as well as problems with the gastrointestinal, endocrine, respiratory, nervous and reproductive systems.</li>
	<li>Impacting treatment for health issues: With the rising cost of healthcare, it&rsquo;s no surprise that many Americans are avoiding doctor&rsquo;s offices. In fact, 12 percent of Americans report skipping doctor&rsquo;s appointments simply because they could not afford it. Because these patients aren&rsquo;t seeing their doctors, their health conditions may be going untreated&mdash;or undetected entirely.</li>
	<li>Affecting relationships: Money is a common cause of <a href="https://www.sharecare.com/health/financial-planning-health-care/article/ways-stop-fighting-about-money">conflict in relationships</a>, and 31 percent of Americans report it being a major cause of conflict. A poor relationship can increase stress levels, which may strain the cardiovascular, nervous, digestive and endocrine systems.</li>
</ul>

The bottom line? Avoiding too much debt can set you up for a solid financial future&mdash;and help protect your mental, emotional and physical health. The key is to develop an attainable, sustainable financial plan that can help you keep your money goals on track.

Medically reviewed in July 2018.

What's Causing Your Debt—and Why You Need to Get It Under Control Now

Money concerns aren&#39;t exclusive to one group of Americans&mdash;they affect everyone, including US Veterans. Nearly four out of five of you went into the military straight out of high school, and while service may have honed your discipline and select skills, you may not have learned how to <a href="https://www.sharecare.com/health/financial-planning-health-care/slideshow/questions-ask-about-your-finances">manage money</a>, attack debt, create savings or find a civilian job that uses your expertise. What&#39;s more, you may not be aware of the benefits offered by the US Department of Veterans Affairs (VA), including the GI Bill, healthcare, home loans and retirement accounts.

Here are some of the most significant financial issues you and your fellow Veterans face&mdash;and why.

The biggest issues 
When servicemen and women transition to civilian life, the switch can be jarring. Suddenly, you have to make significant, life-changing decisions in terms of work and career, and you&#39;re no longer provided with a structure, purpose or consistent paycheck by the military. Some Veterans may feel overwhelmed at first, or have significant alone time, which can contribute to mental health issues, substance abuse problems&mdash;or spending.

Soon after the transition, many young Veterans choose to attend school, begin vocational training or find a job, which can be tough if you lack experience with the process. You may not be accustomed to applying and could need help finding a meaningful position that makes the best of your skills. Some of you may find getting a job difficult with conditions or injuries you sustained during service.

Time spent in limbo, looking for a job or going to classes can mean lost income or <a href="https://www.sharecare.com/video/health-topics-a-z/financial-health/what-are-the-red-flags-that-im-in-too-much-debt">accumulating debt</a>; in fact, credit card debt is common, and scammers often specifically target Veterans, knowing you might be vulnerable. Debt can be compounded, too, by impulsive or large purchases (like cars), a growing family, gambling, legal hurdles, medical issues or simply, poor budgeting.

What&#39;s more, cash flow problems can be exacerbated by mental health issues like depression, which, in turn, can be made worse by cash flow problems. For some Veterans, mismanagement of money is linked to sleep loss, anxiety and even homelessness.

The good news 
Fortunately, there are numerous positives when it comes to Veterans&#39; financial health. For example, while you may have a tough time finding a job at first, your overall unemployment rate is comparable to those who did not serve&mdash;and in some months, it&#39;s lower. Many of you don&#39;t have significant money issues, and in general, older Veterans are in solid financial shape; in terms of household and personal net worth, they often do better than those who didn&#39;t serve.

You also have plentiful financial resources available through the VA, military organizations, non-profits and private companies, including:

<ul>
	<li>Job training and recruitment programs</li>
	<li>Financial literacy courses</li>
	<li>Scholarship and loan programs for school</li>
	<li>Specialized home loans, health insurance, disability compensation and life insurance</li>
	<li>Mental health counseling</li>
</ul>

In regard to retirement, the VA provides a pension for many of you, and the option of joining a Thrift Savings Plan (TSP) for others. For more information about financial services, <a href="https://www.va.gov/" target="_blank">visit their website</a>. And, to watch stories of how your fellow Veterans addressed their money worries, visit <a href="https://maketheconnection.net/" target="_blank">Make the Connection</a>, the VA&#39;s online support system.

Speaking of support, in the following months, keep coming back to Sharecare for proven tips and smart strategies to help you get your finances on track. We&#39;ll share ways to attack your debt, make money and <a href="https://www.sharecare.com/video/health-topics-a-z/financial-health/3-savings-accounts-you-need-to-understand">start saving</a>, whether you&#39;ve just re-entered civilian life or you&#39;ve been one for decades. Watch this space each day for new ideas.

Medically reviewed in June 2018.

Health Care