FAQ of CBD OIL DOSING

FAQ CBD OIL DOSING

How much CBD oil should I take a day?

The majority of frequent (daily) CBD users find that a dose between 10 and 20 mg (administered once or twice daily) is enough to provide effective relief from a variety of ailments. However, a lot of people out there will find fantastic relief with as little as 1-3 mg per day.

Can you take too much CBD oil?

Begin with a small dose of high CBD/low THC oil, especially if you have little or no experience with cannabis. … Too much THC, while not lethal, can amplify anxiety and mood disorders. CBD has no known adverse side effects, but an excessive amount of CBD could be less effective therapeutically than a moderate dose.

How long does it take for CBD oil to work?

In the majority of cases, it takes about an hour to feel the effects of CBD oil after you ingest it. However, effects may be felt in as little as 20 minutes on an empty stomach. The more food you’ve eaten before consuming CBD oil, the longer the effects will take to kick in.

What are the side effects of CBD?

Some research indicates that the use of CBD oil may trigger a number of side effects, including:

  • Anxiety.
  • Changes in appetite.
  • Changes in mood.
  • Diarrhea.
  • Dizziness.
  • Drowsiness.
  • Dry mouth.

Nausea.

Dry mouth.

Does CBD oil come in different strengths?

Different  Strengths/Potencies of CBD Oil. Even though there are dozens of different CBD manufacturers out there to choose from, most of them will offer oils in at least two or three different potencies, or concentrations. … As of right now they offer oil tinctures in three different strengths: 300 mg, 600 mg, and 1000 mg , etc.

How many mg of CBD is effective?

Cumulative doses of THC exceeding 20-30 mg per day – or a single dose of 10 mg or more – may cause unwanted side effects. For cannabis-naïve patients, it may be best to start with low doses of a CBD-rich remedy with little THC and slowly increase the dosage – and, if necessary, the amount of THC – one step at a time.

Disclaimer

 All the information in this video is presented as personal opinion and does not mean to be medical advice nor in anyway to be an endorsement of any of the treatments or items listed herein.

Always consult a physician for all medical advice. This video can contain errors or omissions and should not take the place of licensed medical care

Go https://www.SeniorJoints.com to order CBD Oil today!

PBS NewsHour: Why a patient paid a $285 copay for a $40 drug

Two years ago Gretchen Liu, 78, had a transient ischemic attack — which experts sometimes call a “mini stroke” — while on a trip to China. After she recovered and returned home to San Francisco, her doctor prescribed a generic medication called telmisartan to help manage her blood pressure.

Liu and her husband Z. Ming Ma, a retired physicist, are insured through an Anthem Medicare plan. Ma ordered the telmisartan through Express Scripts, the company that manages pharmacy benefits for Anthem and also provides a mail-order service.

The copay for a 90-day supply was $285, which seemed high to Ma.

“I couldn’t understand it — it’s a generic,” said Ma. “But it was a serious situation, so I just got it.”

A month later, Ma and his wife were about to leave on another trip, and Ma needed to stock up on her medication. Because 90 days hadn’t yet passed, Anthem wouldn’t cover it. So during a trip to his local Costco, Ma asked the pharmacist how much it would cost if he got the prescription there and paid out of pocket.

The pharmacist told him it would cost about $40.

“I was very shocked,” said Ma. “I had no idea if I asked to pay cash, they’d give me a different price.”

Ma’s experience of finding a copay higher than the cost of the drug wasn’t that unusual. Insurance copays are higher than the cost of the drug about 25 percent of the time, according to a study published in March by the University of Southern California’s Schaeffer Center for Health Policy and Economics.

USC researchers analyzed 9.5 million prescriptions filled during the first half of 2013. They compared the copay amount to what the pharmacy was reimbursed for the medication and found in the cases where the copay was higher, the overpayments averaged $7.69, totaling $135 million that year.

USC economist Karen Van Nuys, a lead author of the study, had her own story of overpayment. She discovered she could buy a one-year supply of her generic heart medication for $35 out of pocket instead of $120 using her health insurance.

Van Nuys said her experience, and media reports she had read about the practice, spurred her and her colleagues to conduct the study. She had also heard industry lobbyists refer to the practice as “outlier.”

“I wouldn’t call one in four an ‘outlier practice,’” Van Nuys said.

“You have insurance because your belief is, you’re paying premiums, so when you need care, a large fraction of that cost is going to be borne by your insurance company,” said Geoffrey Joyce, a USC economist who co-authored the study with Van Nuys. “The whole notion that you are paying more for the drug with insurance is just mind boggling, to think that they’re doing this and getting away with it.”

Graphic by Lisa Overton

Joyce told PBS NewsHour Weekend the inflated copays could be explained by the role in the pharmaceutical supply chain played by pharmacy benefit managers, or PBMs. He explained that insurers outsource the management of prescription drug benefits to pharmacy benefit managers, which determine what drugs will be covered by a health insurance plan, and what the copay will be. “PBMs run the show,” said Joyce.

In the case of Express Scripts, the company manages pharmacy benefits for insurers and also provides a prescription mail-delivery service.

Express Scripts spokesperson Brian Henry confirmed to PBS NewsHour Weekend the $285 copay that Ma paid in 2016 for his wife’s telmisartan was correct, but didn’t provide an explanation as to why it was so much higher than the $40 Costco price. Henry said that big retailers like Costco sometimes offer deep discounts on drugs through low-cost generics programs.

USC’s Geoffrey Joyce said it is possible that Costco negotiated a better deal on telmisartan from the drug’s maker than Express Scripts did, and thus could sell it for cheaper. But, he said, the price difference, $285 versus $40, was too large for this to be the likely explanation.

Joyce said it is possible another set of behind-the-scenes negotiations between the pharmacy benefit managers and drug makers played a role. He explained that drug manufacturers will make payments to pharmacy benefit managers called “rebates.”

Rebates help determine where a drug will be placed on a health plan’s formulary. Formularies often have “tiers” that determine what the copay will be, with a “tier one” drug often being the cheapest, and the higher tiers more expensive.

Pharmacy benefit managers usually take a cut of the rebate and then pass them on to the insurer. Insurers say they use use the money to lower costs for patients.

Joy said a big rebate to a pharmacy benefit manager can mean placement on a low tier with a low copayment, which helps drives more patients to take that drug.

In the case of Ma’s telmisartan, Express Scripts confirmed to PBS NewsHour Weekend that the generic drug was designated a “nonpreferred brand,” which put it on the plan’s highest tier with the highest copay.

Joyce said sometimes pharmacy benefit managers try to push customers to take another medication for which it had negotiated a bigger rebate. “It’s financially in their benefit that you take the other drug,” said Joyce. “But that’s of little consolation to the person who just goes to the pharmacy with a prescription that their physician gave them.”

But Joyce said the pharmacy benefit managers also profit when collecting copays that are higher than the cost of the drug.

In recent years, the industry has taken a lot of heat from the media and elected officials over a controversial practice called “clawbacks.” This happens when a pharmacist collects a copay at the cash register that’s higher than the cost of the drug, and the pharmacy benefit manager takes most of the difference.

The three largest pharmacy benefit managers – Express Scripts, CVS Caremark, and OptumRx – all told PBS NewsHour Weekend they do not engage in clawbacks.

But Howard Jacobson, a pharmacist at Rockville Centre Pharmacy in Long Island, NY, showed PBS NewsHour Weekend several recent examples of clawbacks. In one instance, Howardson acquired a dose of the generic diabetes Metformin for $1.61. He said if a patient paid out-of-pocket, he likely would sell if for $4. But in a recent transaction, the pharmacy benefit manager told Jacobson to collect a $10.84 copay from the patient, and it took back $8.91.

In the case of Z. Ming Ma and his wife Gretchen Liu, there was no pharmacist involved, because they purchased the medication directly from Express Scripts.

Express Scripts’ Brian Henry reiterated to PBS NewsHour Weekend that the company does not engage in clawbacks and opposes the practice. And he also blamed the health insurer, Anthem, for Ma’s high copay. “Anthem has its own Pharmacy and Therapeutics committee that evaluates placement of drugs on the formulary based on their own clinical and cost review – thus setting their own formulary and pricing,” Henry said in an email.

But Lori McLaughlin, a spokesperson for Anthem, pointed the finger back at Express Scripts. “Anthem currently contracts with Express Scripts for pharmacy benefit manager services and under that agreement Express Scripts provides the drug pricing,” she said in a statement. “Anthem is committed to ensuring consumers have expanded access to high-quality, affordable health care which includes access to prescription drugs at a reasonable price.”

McLaughlin also pointed to a lawsuit filed in March 2016 by Anthem against Express Scripts, for, she said, “breach of its obligation to provide competitive pharmacy pricing.”

As for Express Scripts’ contention that it doesn’t engage in clawbacks, USC’s Karen Van Nuys said it’s a matter of semantics. “Whenever the copay is higher than the cash price, and the difference isn’t reimbursed to the patient, someone else must be pocketing the difference,” Van Nuys said. “Maybe it isn’t technically called a clawback, but the principle is the same.”

So what’s a patient to do? Websites like GoodRx and WellRx can help consumers find the best prices at local pharmacies. They provide coupons and savings cards for certain drugs as well as out-of-pocket price information, which could be less than a copay.

It’s not always better to pay out-of-pocket, even if it’s cheaper. Patients need to look at the terms of their insurance plans and do the math.If a patient has a high deductible, it might make more sense in the long-run to pay the higher price and use up the deductible so insurance kicks in sooner.

Z. Ming Ma said he does find the Express Scripts home delivery service convenient. But he wasn’t happy about the price of his wife’s medication, and is glad he found another way to buy it.

“You have no choice, you can’t bargain,” he said. “I knew I wasn’t going to win.”

This story has been updated to reflect that Gretchen Liu is 78 years old.

For people on Medicare, There Are Some Changes To Be Aware Of For 2018

New-Medicare-Card-
New-Medicare-Card-

For people on Medicare, there are some changes to be aware of for 2018

SOCIAL SECURITYMedicare Scams

“Medicare is going to replace everyone’s Medicare card starting in April 2018 through April 2019. The cards will be replaced on a scheduled basis. Everyone will get a new card that will have the Social Security number removed and replaced with a unique ID number. It will look different. Nobody needs to initiate anything.”

SCAMS

“There are a lot of scams. There are people calling Medicare beneficiaries, saying they need to pay $35 for these new cards. But Medicare will never call to verify a Medicare number,” or ask for money.

For people on Medicare, there are some changes to be aware of for 2018.

The open enrollment period for Part D prescription drug plans and Part C Medicare Advantage plans is Oct. 15 through Dec. 7.

Prescription drug plans, known as Part D, are advisable for people on Medicare if you are not enrolled in an HMO with drug coverage.

In the past, Medicare allowed companies to merge their enrollees with existing plans,”  we have not heard if that is still true.

It’s important to read the annual notice of change from your company. “If people choose not to renew, they have extra time to find other coverage, but it’s important to pay attention to the dates.”

You shouldn’t risk a coverage gap. If this particular plan ends Dec. 31, you have until Feb. 28 to renew. But that leaves two months uncovered — you don’t want to do that.

People who have prescription drug coverage from a retiree plan do not need to enroll in a Part D plan. You don’t need to do anything. If you have credible coverage from a former employer or the Veterans Administration, you don’t need to enroll. Continue reading “For people on Medicare, There Are Some Changes To Be Aware Of For 2018”

We Added 3 Learning Tango Cartoon Videos On Youtube

What are the no no’s in the milonga

Learn Tango YouTube Videos

https://youtu.be/nJIdmZ-YqkU

https://youtu.be/7wBqNr5vz_s

https://youtu.be/FY1EcudlTi4

These are the best Tango Cartoons on Youtube to learn the rules of Tango!

What were the instruments for Tango developed over time

Name of the great Tango singers

They say every Tango song is a poem

In Tango you explore a wide variety of emotions

Every step contains love passed through to you over a century

Life is short, but long enough for an embrace

Take lessons, get good at it and then Keep Dancing!

How Seniors & The Obese Can Prevent Injury During Exercise

Go To http://www.InsuredMeds.com for FREE Quotes & Info

How Seniors & The Obese Can Prevent Injury During Exercise

Seniors and the obese need to exercise in the same way that younger people do, and are susceptible to injury in the same way. With proper guidance and planning, injuries can be avoided in people of all ages. Exercise-related injuries are common and can be incredibly painful. In seniors, they can cause serious complications, which may take a long time to heal. It therefore, best when seniors are exercising, they are wary of potential injuries to limit the likelihood of injuring themselves. Below are some of the main ways seniors can prevent injury during exercise. Continue reading “How Seniors & The Obese Can Prevent Injury During Exercise”

What If You Can’t Afford Medicare Or Medicaid? Part # 3

Applying for QMB, SLMB, or QI, (the what?)

QMB- The qualified Medicare Beneficiary program

SLMB- Specified Low-Income Medicare Beneficiary program

QI- Qualified Individual program

These programs help Medicare beneficiaries of modest means pay all or some of Medicare’s cost sharing amounts (ie. premiums, deductibles and copayments).

Before you can get coverage by the QMB, SLMB, or QI plans, you must file  a written claim separate from your Medicare claim. If you are found ineligible for one plan, you may still be found eligible for one of the others.

Where to File:

To qualify for the QMB, SLMB, or Q I plans, you must file a written claim with the agency that handles Medicaid in your state-usually your county’s Department of Social Services or Social Welfare Department. Continue reading “What If You Can’t Afford Medicare Or Medicaid? Part # 3”

How Seniors Can Make Kefir-Probiotic Milk At Home For FREE!

No cooking is involved in this recipe!

A Kefir milk shake has over 30 micro-floras due to the fermentation probiotic action of its bacteria and yeast culture clusters.

Commercial Yogurt has few Probiotics and is expensive. Continue reading “How Seniors Can Make Kefir-Probiotic Milk At Home For FREE!”