Home Blog Page 15

Does Horny Goat Weed Improve Male Fertility?

Horny Goat Weed (also known as Epimedium or Epimedium Grandiflorum) is a traditional Chinese herb that is used to improve male fertility. According to legend, it received its name after a goat herder noticed his goats becoming more amorous following ingestion of the herb. It has since been shown to have the same effect on human males, but it has several other uses as well (including improving cardiovascular health, kidney, joint and liver function, and also back disorders). While all of these uses are beneficial, horny goat weed is more commonly used to treat a low libido, erectile dysfunction, infertility, premature ejaculation, and frequent urination.

Goats weed works by increasing blood flow to the reproductive organs, thereby also increasing arousal and decreasing the risk of infections. The increase in arousal likely occurs because the function and sensitivity of the male organ is enhanced with the increase in blood flow. This blood flow increase also decreases blood pressure, which is a benefit for heart health. In research settings, 60% of healthy men reported an increase in sexual pleasure, and 45% of men already taking Viagra had the same results. In mice, Epimedium has been shown to greatly increase testosterone, and any time testosterone is increased, sperm production generally is as well. Some men have started to take this traditional Chinese infertility herb as a muscle enhancer (due to the effects on testosterone) but this has not yet been proven to be an effective use of Epimedium. The effect on the reproductive organs however, has been shown through extensive research and first hand testimonies. Many men report an increase in sexual function while taking horny goat weed.

Epimedium Grandiflorum has very few side effects and appears to be a wonderful natural substitute for the often prescribed Viagra. Many fertility blends for men contain horny goat weed, as well as other infertility herbs. When you buy horny goat weed, you should ensure it contains 10% icarrin. Taking 250mg to 500mg per day is standard, and horny goat weed should typically be taken with a meal two hours prior to anticipated sexual activity.

Horny goat weed is a fertility herb that serves as an effective substitution for Viagra and other pharmaceutical options. It is a natural and safe way to improve male fertility and sexual function, and it has been proven through research to do what it claims to do. If you are struggling with male infertility, horny goat weed may likely be the solution you have been searching for.

Marijuana Addiction – What Every Parent Should Know

Marijuana is highly addictive and it is often called pot, reefer, grass, herb, weed or even Mary Jane. It is a greenish mixture of dried and shredded leaves, seeds, flowers and stems. Most people smoke this mixture by using hand rolled cigarettes, called joints, and some even call it “bongs”. Another favorite method is to make “Blunts” which are prepared by slicing cigars and then replacing the tobacco with marijuana. It is often combined with other drugs such as cocaine. Some addicts also use it to brew tea or sometime consume it, mixed with food.

An individual gets highly addicted by Marijuana, and later this addiction, limits potential. It triggers numerous psychiatric disorders, and individuals suffer from the withdrawal syndrome associated with this drug on stopping consumption. This is a real threat to the younger generation who are in search of instant happiness. Generally, parents are unaware of many teenage habits and they underestimate the threat that marijuana poses to 21st century teens.

Potency has increased many-fold as compared to what it was some decades ago. The drug that is available in the market today is quite different from what was available in the past. Much of this drug is being grown with hydroponics and fertilizers. So it is not the same drug that your uncle Eddie grew in his backyard. It is 6 times stronger than the variety that was available during the 60’s and 70’s. This increased potency regrettably increases the social and health risk and later leads to addiction. Marijuana addiction is inevitable and only detox can save the addict.

Specialists have categorized Marijuana as an addictive drug and documented it as a drug causing withdrawal symptoms when addicts try to break free from this deadly habit. Withdrawal symptom intensity is not as high as that suffered by heroin addicts, but still it is dangerous and as intensified as alcohol detoxing. Parents should know that detox is unpleasant and it could really pose a threat during recovery stages.

Symptoms of Marijuana withdrawal

Considered highly addictive and characterized as compulsive, often uncontrollable.

Tolerance- This is generally marked by the increased intake of marijuana to achieve maximum intoxication, thus diminishing the effect due to over use of the same amount of marijuana.

Insomnia- Addicts lack sufficient sleep.

Irritability- Generally related well to mood swings.

Nausea.

Lack of appetite.

Strong craving that makes the addict uncomfortable, which many individuals cannot pass through during the initial days thus causing high withdrawal symptoms. This in turn forces the individuals to consume more marijuana to reduce the withdrawal symptoms.

Abuse is so strong, that many teens are addicted to it thus making them seek residential treatment. Heavy use increases present and future psychiatric problems leading to depression and anxiety and sometimes cancer.

How to overcome the addiction

Occasional joints don’t cause much damage, but many people get addicted to it. Recreational use generally leads to addiction, and this addiction disrupts daily life. Thousands of kids are undergoing treatment in various rehabilitation centers each year.

It is not unusual for someone to seek professional help, so go ahead and seek help for your child if you see any of the above mentioned symptoms; like it is said, “A stitch in time saves nine” because the sooner the problem is dealt with, the better the ultimate result.

Marijuana – Easily Accessible To Teens – So Very Dangerous

Marijuana is often seen as a harmless drug that doesn’t lead to addiction. Marijuana is also most often the “gateway drug”, as users are observed to first experiment with marijuana, before progressing to other powerful drugs, including opioids. Teenagers are most at the risk. One in ten kids use marijuana regularly, according to a recent survey, and more than a quarter of high school students have tried it at some point or the other. Thus marijuana is now the most widely used illegal drug in the United States, and the users of which are increasing at an alarming rate.

But what is the reason for such wide usage of this particular drug, and why is it that when the consumption of some other drugs have fallen, while the numbers are steadily increasing for marijuana? One of the major reasons for this is the easy availability of this particular drug. Marijuana is one of the easiest drugs to access in almost all cities and towns across the United States. While laying hands on some other drugs and chemicals may require special “contacts” in the gray world, marijuana is very easily available off the street. Moreover, marijuana is cheap to buy, at least cheaper than most other drugs. These two facts combine to make marijuana the most widely available drug, which is also very easily accessible to teens.

In a recent survey, most high school students said that they knew where to get marijuana, even if they were not using the drug. Marijuana is very easily available near many schools across the country. Often, teenagers don’t have to go very far to get marijuana. Peddlers are often to be found nearby, and ready to sell their wares to anyone who is interested. They also frequent parties, and marijuana again stands as the most easily available, as well as most widely used drug at high school parties. Such easy access that teens have to marijuana is really dangerous.

The reason why so many teens are not afraid to try this drug is that it is largely perceived as a safe drug. In fact, it is different from the popular perception of a drug as a white powder that is to be snorted or a liquid to be injected, that marijuana hardly feels like a drug. Many teens surveyed, believed that marijuana is not harmful and not addictive. This because when a teen first looks at marijuana, the bunch of dry leaves hardly looks as glamorous as it is made out to be in pop culture, and many teens fail to understand what the fuss is all about. This leads to taking the first drag (which just looks and feels like smoking a cigarette), which is the beginning down a long, lonely and dangerous road towards drug addiction.

Teens should be properly educated on the ill effects of marijuana, and should be raised in a way to understand the difference between good and bad. With marijuana being so easily accessible, it is important for teens to be able to take correct decisions based on facts, rather than peer pressure.

The Effects of Weed – How Five Different Strains of Medical Marijuana Affect the Mind and Body

Getting stoned, getting high, getting baked-all slang words for the same thing. Marijuana has the ability to relax the mind and (if used incorrectly) to cloud it. Weed can also relax the body and ease pain, but if used incorrectly, can seriously impair motor skills.

Different strains of medical cannabis have different effects on the body and mind-this is the main reason that “bud tenders” at medical MJ dispensaries recommend different strains for different MMJ patients.

Here are five different strains of medical-grade marijuana and how they affect the mind and body. We chose strains of different varieties of marijuana, some indica, some sativa, some blends, to showcase the varied effects of marijuana strains on the mind and body.

1. Blue Dream

Details: Heavily sativa dominant with a trace of indica, Blue Dream gets its name from the dark green appearance of the leaves under heavy trichomes.

Medical uses: The best med of all for insomnia-also a good “baseline” med for pain patients, requiring very little additional breakthrough treatment.

Review: Blue Dream is always a popular choice at dispensaries for its unique looks. Definitely a nighttime med-most often recommended by budtenders for pain patients and people with sleeping trouble.

2. Green Crack

Details: Don’t let the name put you off, this light green/orange/blueish indica/sativa med is sweet with an intense body effect.

Medical uses: The heavy blend of sativa in this strain makes it ideal for people dealing with chronic pain or patients using MMJ for depression or other mental health issues.

Review: A short-acting med, Green Crack is ideal for a “middle of the day” dose, particularly for pain patients who want a breakthrough pain treatment.

3. White Berry

Details: Intensely purple-colored, 90% indica 10% sativa. This is the hybrid to beat all hybrids, with a beautiful look to the plant that attracts patients directly to this strain.

Medical uses: Relieves muscle spasms and muscle pain. Perfect for patients with restless leg syndrome or other ailments of the muscular system.

Review: An easy “A” rating for this indica-dominant strain. Best as a nighttime medication, as it can have intense effects on both the mind and body, typical for a hybrid.

4. A-Train

Details: Pure powerful indica. A cross of the ever-popular Trainwreck and an Afghani plant. A spicy flavor with citrus undertones, you get everything that’s great about indicas with A-Train.

Medical uses: Appetite enhancer, reduces ocular pressure. The perfect plant for people suffering from glaucoma or other eye problems, as well as for chronically ill patients with appetite problems.

Review: A real award-winner, this indica is everything indica is supposed to be. Difficult for MMJ dispensaries to keep in stock. High Times Top Ten Strain of the Year winner, 2009.

5. Canna Sutra

Details: Sativa dominant. Incredibly sweet, citrusy smoke. Reported aphrodisiac qualities. High “marijuana” taste with heavy lemon undertone.

Medical uses: Sexual aid, mood elevator, bronchial dilator. Often prescribed to people suffering from asthma for use in a smokeless vaporizer.

Review: One of the favorite smokes of bud tenders everywhere, this sativa surprises patients who prefer indica meds. The hint of purple in the leaves makes this a quick sellout in most dispensaries.

Arizona’s Legalization Of Medical Marijuana With Prop 203

Medical Marijuana was passed in November 2010 Arizona with Prop 203, becoming the 15th US State to recognize its medicinal qualities for various debilitating medical conditions. The Arizona Department of Health Services is now assembling the Rules and Regulations for its dispensing and usage.

Marijuana was legal until 1937 in the US. It was commonly prescribed medicinally. The Marijuana Tax Act was brought before Congress in 1937, which was passed and placed a tax on the sale of cannabis. This tax equaled roughly one dollar on anyone who commercially dealt marijuana. The ACT did not criminalize the possession or usage of marijuana however. The American Medical Association opposed the bill, arguing that cannabis was not dangerous and that its medicinal use would be severely curtailed by prohibition. Within 4 years, medical marijuana was withdrawn from the US pharmaceutical market because of the law’s requirements.

In 1970, the Controlled Substances Act was passed, making Marijuana a Schedule 1 Narcotic. A Schedule 1 Narcotic is supposedly one that has a high potential for abuse, no medical use, and not safe to use under medical supervision. As you will read soon in this E-Book, a lot of states disagree, and Arizona is the latest to realize marijuana’s benefits medicinally.

In 1996 California became the first state to legalize medical marijuana. The California Compassionate Use Act, known as Proposition 215, allowed patients freedom from prosecution with a physician’s recommendation. The federal government went after the initiative and threatened to arrest physicians for recommending it, but a federal court decision protected physicians under the First Amendment.

Despite persistence of federal oppositions, numerous states have passed their own medical marijuana laws, with the latest being Arizona. Canada has also changed their laws with regards to medical marijuana as well. In 2005, the Supreme Court upheld the federal ban on marijuana but did not question the validity of the state laws. Therefore, patients are protected from state prosecution in the states with legal medical marijuana, but not federal. Both the DEA and Justice Department have said they don’t want to go after patients, only large traffickers.

There were not many regulations put into place in California upon passing medicinal marijuana. Colorado subsequently passed it in 2000. Due to federal regulations neither state had widespread abuse of medical marijuana with the prospect of federal prosecution looming.

That all changed in 2009. President Obama announced his administration would no longer use federal resources to go after dispensaries and patients as long as they complied with state laws. Dispensaries began to multiply like rabbits, and within a few months patients were signing up in Colorado at a rate of 1000 per day. In Los Angeles alone, medical marijuana dispensaries outnumber McDonald’s and Starbucks by 2 to 1.

Arizona became the 15th state to legalize medical marijuana with Prop 203 passing in November of 2010. It was an extremely close vote that took over 11 days after the actual election to finalize the count. 1.7 million people voted and initially the vote was 7000 votes against it, but when it was final it won by slightly over 4000 votes.

Voters have passed medical marijuana in Arizona twice in the past but because of wording and conflicting federal laws nothing actually went into effect. Marijuana remains completely illegal under federal law. It is a Schedule 1 Drug under the US Controlled Substances Act, which means it is regarded as having high abuse potential and no medical use. Its possession, sale, manufacture, transportation and distribution for any purpose are against federal law.

However, more and more states continue to recognized its medicinal purposes. Fifteen states now have laws permitting medical use of marijuana. These laws exempt patients from criminal charges for personal possession and/or cultivation of small amounts with a doctor’s recommendation. What this means is since the overwhelming majority of smaller scale drug offenses are prosecuted by state law, patients are generally safe in these states from arrest (as long as local law is followed).

A 2002 Time magazine poll showed an amazing 80% of Americans supported legalizing medical marijuana. As you will read in this E-Book, medical marijuana is beneficial to patients suffering from many debilitating medical conditions such as Glaucoma, MS, ALS, Cancer, HIV/AIDS, Severe Muscle Spasms, and Chronic Pain.

Kurnell Curse – What Weed is That and How Do You Control It?

Kurnell Curse, also known as Pennywort, is the Common Name for this weed in Australia. Its Botanical Name is Hydrocotyle bonariensis, and it is commonly found in sandy soils along coastal areas.

This weed was first noticed around the coast of Venezuela on an island called Bonaria. This Australian weed is found in the coastal sand dunes and cliffs of Sydney. The weed’s thick and roundish waxy leaves provide the plant with protection from the coastal sea salt spray.

Kurnell Curse can be controlled by using non-selective herbicides like Roundup (or generically known as glyphosate). However, trying to paint each Kurnell Curse leaf is very laborious and you may inadvertently damage the desired turf grass.

Note: We have noticed that when we use Dicamba, the Active Constituent present in [Kleen Lawn], to target Broad Leaf Weeds in lawns there is also fatal collateral damage to Kurnell Curse. Having said that, Dicamba is not registered for use on Kurnell Curse.

Dicamba can be applied to all turf grasses except Buffalo turf (otherwise referred to as St Augustine turf in North America). Surfactants should be added to the herbicide mix to help the herbicide bond with the weed’s leaf surface.

Cultural or mechanical means of removing this weed are generally unsuccessful. Mechanical removal of the weed does not work well, and usually in most cases the weak leaf stem is snapped off leaving the underground stem in the ground. Generally it is a difficult plant to mechanically remove from the soil or turf.

Weed Killer Chemicals

Although there area a great variety of brand names for weed killers, the actual number of active chemicals used to produce these products is about 5. Most of these can be classified as a broadleaf herbicide, meaning that is will kill off plants that have a larger than average foliage component. Normally this would exclude grass, but on some occasions, manufacturers will add another component to the mixture, making it lethal to this substance as well. Usually the actual chemical name is listed first followed by a trade name. The first one or two on the label are the only ones that need to be examined, since many of the other ingredients are usually inert or used as fillers.

The first chemical is 2,4-Dichlorophenoxyacedtic Acid which is found in a variety of products, including Scotts Green Sweep, Ortho Weed B Gon and Triplex among others. These are of the weed and feed category, designed to kill off the unwanted lawn pests, while boosting the growth of grass. This substance is both a surface and groundwater contaminant. There can be problems with the endocrine gland in humans.

2-Methoxy-3,6-dichlorobenzoic acid (Dicamba) is found UltraStop Lawn Weed Killer, Scott’s Pro-Turf and Tracker among others. It is classified as a broadleaf herbicide as well, with warnings from the EPA as a potential toxin. There is also evidence linking this chemical to non-Hodgkin’s lymphoma.

2-Methyl-4-chlorphenoxy-propionic acid (Mecoprop or MCPP) is found in Menards Premium Weed & Feed, Mecomin-D and Kilprop products. It is also a broadleaf herbicide that has a number of different applications as well. The International Agency for Research on Cancer has identified this substance as a possible carcinogen for humans. Birds have also been show to be affected by exposure to this chemical substance.

2-Methyl-4-chlorphenoxyacetic acid (MCPA) is a component of Agritox, Envoy and Vacate chemical lawn formulas. It is often combined with the previous substance for additional strength. It is listed as a possible cancer causing agent along with being a surface and groundwater contaminant.

N-phosphonomethyl glycine glyphosate is a major ingredient in Ortho Ground Clear, Ranger and Pondmaster weed control applications. It is a broad spectrum herbicide that will kill grass and other plants. This chemical will leach from soil to contaminate ground water and is toxic to aquatic animals.

All of these substances kill weeds effectively, but should only be applied as per the instructions to ensure proper results are obtained and no side or collateral damage is done to your garden.

Is Legal Marijuana Bigger Than The Internet of Things?

The greatest innovation in history –

Nothing on Earth today (and I mean nothing at all), not smartphones, automotives, aerospace, real estate, gold, oil, software, biotechnology, nothing… is growing as much or as fast as the market for legal marijuana.

Consider this: By 2020, the market for legal marijuana will top $22.8 billion (not million, but billion with a B).The legal market for cannabis “could be bigger than the National Football League, which saw $12 billion of revenue in 2015. Between 2016 and 2029, the projected growth of marijuana is expected to reach $100 billion – 1,308% growth.

Estimates place the number of some time marijuana users in the neighborhood of 50 million people. As many as 7.6 million indulge on a daily basis. Out of the 83.3 million milllennials, fully 68%of them want cannabis to be legal and available. Once legalization takes hold everywhere, dozens of already established firms – in the tobacco industry… in agriculture and irrigation… in pharmacueticals – are going to want to jump in without hesitation. And if you want more proof that marijuana is going mainstream, consider this…

On Nov 8th, tens of millions of Americans in nine states headed to the polls and voted on the future of marijuana. California, Massachusetts, Maine and Nevada voted to legalize the recreational use of marijuana. And voters in Arkansas, Florida, North Dakota and Montana passed ballot initiatives legalizing medical marijuana. Only Arizona, where recreational cannabis was up for a vote, decided against legalization. Together, these states (excluding Arizona) represent a total population of 75 million people. That means one in five Americans – 20% of us – woke up on Aug 9th finding themselves in a state where medical and/or recreational marijuana is legal for adults 21 and over.

Even Hollywood celebrities are getting into the act. Many folks already know about the weed-related business activities of Snoop Dog, country music legend Willie Nelson and actor and comedian Tommy Chong. Fewer know that Grammy Award winning singer Melissa Etheridge is developing her own line of cannabis-infused wine and TV talk show host Whoopi Goldberg is launching a line of medical marijuana products aimed at women. And people listen to Hollywood icons. Nothing is more mainstream than the TV sitcom.

On July 13th in 2016, Variety revealed that Netflix is planning to air a sitcom set inside a legal pot dispensary. Called DisJointed, the show is the brainchild of TV genius Chuck Lorre, creator of such mainstream blockbusters as The Big Bang Theory and Two and a Half Men. A recent poll by Quinnipiac University found that 89 percent of voters in the United States believe that adults should be allowed legal access to medical marijuana when a doctor prescribes it. And the U.S.A. is not the only country poised to loosen the reins on marijuana. Israel, Canada, Spain, Mexico, Australia, Uruguay, Jamaica, Germany and Columbia have either legalized or decriminalized possession.

Since 1972, marijuana has been classified as a Schedule 1 controlled substance. Schedule 1 drugs are those considered to lack medical use and present a high potential for abuse. As a Schedule 1 drug, marijuana gets grouped alongside heroin, LSD, and ecstasy. But in the face of mounting pressure from the doctors, medical researchers, state governments and Congress, the Drug Enforcement Agency (DEA) have come under pressure to downgrade marijuana to a Schedule II drug, or maybe even a Schedule III.

According to the U.S. Census Bureau, by 2030 one fifth of the population – 72 million Americans – will be 65 or older. Those Baby Boomers will all confront a slew of age-related ailments, such as glaucoma, cancer, arthritis and back pain. As it happens, cannabis-based remedies are uniquely suited to treating those diseases. So, as the elderly population grows, so will the size of the medical marijuana market. Social acceptance of cannabis will grow as well, as millions of people discover the benefits of medical marijuana for themselves.

A single marijuana dispensary could bring in more than $676 million a year. Not all of that cash comes from weed itself. Most folks have already heard about things like “pot brownies.” But the market for marijuana “edibles” goes for beyond that. There are weed desserts and weed energy drinks. In fact, we’re even about to see the opening of the world’s first weed distillery.

For people averse to inhaling smoke, there are sites that offer THC-laden capsules, lip balms, hash bath oils, topical compound, and even THC patches that provide “accurate dosing… a quick onset and unsurpassed duration.” Thirsty users can enjoy THC-infused coffees, sodas, and sparkling waters. Aside from the market boom in recreational cannabis, medicinal marijuana and derivatives have also been seeing brisk growth, and for good reason.

Cancer patients undergoing chemotherapy and radiation usually lose their appetite and have sensitive stomachs. But if they don’t eat, the treatments aren’t as effective. Cannabis has been proven to help stimulate the appetite and settle the stomach. There is also new work being done with cannabis oil that shows promise treating epilepsy, multiple sclerosis, some cancers, and even rheumatoid arthritis. The oil is also effective for insomnia.

For most of the 20th century, doctors knew little about the working of out most important organ, the human brain. Brain cells dictate almost one of our sensations, thoughts, and actions sending signals that trigger appetite and hunger. Marijuana seems to bridge the gap. The voters in state after start are quickly coming to an agreement that cannabis is in fact medicine. Momentum is only going in one direction.

Tonsillolith Treatment – Symptoms and Prevention

Tonsillolith treatment can involve a surgical removal of the stone for safe and effective ways to treat tonsilloliths.

Tonsils are filled with crevaces (called tonsillar crypts) where bacteria and other materials, including mucous and dead cells, can become trapped. Over time, the deposits can become concentrated into white formations. These calcify and become tonsil stones. This occurs most often in people who suffer with chronic inflammation in their tonsils or repeated cases of tonsilitis. Other causes of tonsilloliths would be overactive salivary glands, mucus secretions, and smoking without a filter (most common in frequent cannabis users).

Since many stones don’t cause any noticeable symptons, they are only discovered accidentally by CT scans or X-rays. Larger tonsil stones, however, have multiple symptoms:

Bad breath is one of the main indicators of a tonsil stone. According to Wikipedia, “Among those with bad breath, 75% of the subjects had tonsilloliths while only 6% of subjects with normal halitometry values (normal breath) had tonsilloliths.” Many researchers suggest to check for tonsil stones when the cause of bad breath cannot be determined.

The presence of a stones may cause you to feel pain or discomfort in the area that it is lodged. They can also cause a difficulty in swallowing. Depending on the size of the tonsil stone, it may even become painful to swallow food or liquids. Tonsil swelling will occur once the tonsil stone forms, and the tonsils will become inflamed from infection.

Some tonsil stones are visible in the back of the throat. You will notice a large lump of white material. However, this is not always the case. Tonsil stones are often hidden in the folds of the tonsils and can become hard to detect.

While diagnosis can usually be made upon inspecting the tonsils, it is sometimes difficult if they haven’t surfaced, and often are only found after routine radiological studies. Imaging diagnostic techniques can identify a mass that may be mistaken for displaced teeth or blood cells that have become calcified. Determining whether you have tonsolloliths must be established if you have chronic or acute tonsillities, tonsillar hypertrophy or peritonsillar abscesses.

In order to treat tonsilloliths, a doctor will perform a surgical removal of the stone via an oral curette. There is a longer term cure, which involves laser resurfacing, called laser cryptolysis. The use of a carbon dioxide laser vaporizes and removes the surface of the tonsils. The edges of the crevices in your tonsils become flat, so that they can no longer trap any debris and form stones. The most drastic method is getting a tonsillectomy. It is usually not recommended, but by removing the tonsils, tonsilloliths cannot form.

Depending on the severity of the tonsilloliths, you may be able to treat them yourself.

Can Drug Users Get Life Insurance?

Drug use in Canada is prevalent to non-existing depending on what you define as a “drug.” Eleven per cent of the Canadian population “has a problem with drugs or alcohol” according to a CBC survey, but this does not include people who use drugs recreationally without “a problem.” That number, especially when you include alcohol and cannabis, is much, much higher, and if you include only people with classically-defined addictions to the illicic drugs, such as crack cocaine and heroin, the number is much, much lower.

In general, the way insurance companies approach drug issues is based on two major questions: is the potential client using prescription drugs provided through the proper channels, or are they using drugs outside those channels, and there is therefore potentially vulnerable to certain liabilities.

For the former, these questions are often discovered in the background checks and medical questions provided by insurance companies prior to developing or offering a policy. Naturally, some drugs have effects on a person’s life expectancy and prospective quality of life, and others come with certain health risks, even when provided by a healthcare practitioner. In these, instances, an insurance company will take into account the medical issues being treated by the drugs and the effects of the drugs themselves in developing a policy, but a policy can usually be provided by most major health insurance providers.

For those who use illicic drugs, the options are generally more difficult. Usually, insurance companies are hesitant to provide policies, many are even wary of providing low-cost options for people who smoke cigarettes.

Luckily, there are some options still available for drug users, especially those who use illicit drugs. Remember, many policies will not cover complications that occur because of illicit drug use, and not disclosing such information when asked to institute insurance fraud, which can be a severe crime that includes heavy fines and possible jail time.

In general, illicit users have only one option when it comes to life insurance opportunities: simplified life insurance policies that do not require medical questionnaires. This is changing as more and more insurance providers offer products specifically designed for the “hard-to-insure” market. Simplified insurance plans often require only simple medical questions that do not include questions about drug use.

No medical life insurance policies vary widely from carrier to carrier, so it is beneficial to research these plans before contacting them to compare potential rates and coverage. You can also ask your insurance broker to make an informal preliminary inquiry before you submit a formal application. Informal preliminary inquiries are non-binding and can give you an idea of ​​whether your application would be approved as standard, declined or rated. Bear in mind that insurance providers may offer plans with coverage on day one or with a two year waiting period depending on your situation.

If you have used or are using illic drugs and require life insurance, it is important to discuss your options with an insurance broker who has your best interests in mind. With the right team behind you, the right policy can be found.

Popular Posts

My Favorites

What Is The Medical Marijuana Industry Supposed To Do At Tax...

Running a business is not easy, but men and women in the state-legal medical marijuana industry have it worse than everyone else because of...