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Dedicated Insurance Professionals you know and trust...like Family |
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Issue No. 46 |
October 15, 2013
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Cancer is no respecter of persons, nor is it a respecter of gender. It does not discriminate - age, race, gender, social level - nothing matters. Cancer can strike anyone, male or female, at any time. It affects different groups of people in different ways. AND, it can change your life.
October is widely known as Breast Cancer Awareness Month. Although many great strides have been made in breast cancer awareness and treatment, there remains much to be accomplished. Today, many organizations remain dedicated to educating and empowering women, and men, to take charge of their own breast health.
Although October is designated as National Breast Cancer Awareness Month, awareness and education for ALL forms of cancer is done throughout the year, encouraging increased learning on cancer, health and the latest research developments.
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Breast Cancer
Awareness Month
National Breast Cancer Awareness Month is an opportunity to promote screening and early detection of breast cancer.
Roughly one in eight women in the United States will get breast cancer. Next to skin cancer, breast cancer is the most common kind of cancer in women.
Symptoms of breast cancer may include:
- A lump in the breast
- A change in size, shape, or feel of the breast
- Fluid (called "discharge") from a nipple
You have a better chance of surviving breast cancer if it's found early. Talk to a doctor about your risk for breast cancer, especially if breast or ovarian cancer runs in your family. Your doctor can help you decide when and how often to get a mammogram.
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Men Get It Too
When the term breast cancer is used, it is most often assumed the words refer to breast cancer in women. However, men can and do get breast cancer. The incidence is very rare and accounts for only one percent of breast cancers, but for that one percent of the male population, the cancer can manifest itself as devastatingly as it does for women.
The reason men can get breast cancer is because everyone is born with breast tissue. However, during puberty, a female's hormones will trigger growth while a male, testosterone will suppress the growth of these tissues. However, what is present can undergo cancerous changes.
Breast cancer in men is typically discovered in patients past the age of 60. Men most often present with symptoms of advanced development of the disease, because earlier signs and symptoms were misdiagnosed. One of the more common signs is the presence of a lump. Most of the time, the lump is painless. Changes in the appearance of the skin are another indication of possible cancer. These symptoms may be dimpling or puckering of the skin, redness, swelling or a change in contour of the breast. Nipple discharge or a nipple that begins to retract may indicate the presence of the disease. Any persistent change in the breast area should be brought to the attention of a physician.
What causes male breast cancer is not fully known. There is the possibility of inheriting an increased risk in the form of mutated genes BRACA1 and BRACA2. Radiation, obesity, age and estrogen are a few of the risk factors. If a man has several female relatives who have developed breast cancer, his risk is increased.
Many men with breast cancer may feel isolated in a world of pink. Because the disease is atypical for men, they may be hesitant to reach out for support. As with any serious illness, the emotional state plays a significant part. Sharing with others about all the manifestations of this disease from diagnosis to recovery makes the journey easier. Check with your health care provider for any local support groups. If none are available, the Internet could be an option. One site specifically for male breast cancer is www.mdjunction.com/male-breast-cancer, where men can share their experiences. Living with breast cancer can be daunting. It is important that every tool available for a positive outcome is used.
courtesy NOW magazines, October 2013

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Breast Cancer -
Common Questions/Concerns
What affects your risk of
getting breast cancer?
The causes of breast cancer are not fully known. However, researchers have identified a number of factors that increase one's chances of getting breast cancer. These are called risk factors. Risk factors do not cause breast cancer, but can increase the chances of getting breast cancer. Some women have many risk factors, but never get breast cancer. And, some women have no risk factors, aside from being a woman and getting older, and still get the disease. Talk to your health care provider about your personal risk. There are some risk factors you can control, and others you cannot. Even if you do not have any risk factors, you can still develop breast cancer.
Factors that may increase your
risk of breast cancer:
A woman's chance of getting breast cancer increases with age. Your chance by your current age is:
age 20: 1 in 1,681
age 30: 1 in 232
age 40: 1 in 69
age 50: 1 in 42
age 60: 1 in 29
age 70: 1 in 27
Lifetime: 1 in 8
- Being a woman
- Getting older - the older you get, the greater your risk
- Having an inherited mutation in the BRCA1 or BRCA2 cancer genes
- A personal history of breast or ovarian cancer
- A family history of breast cancer
- Having high breast density on a mammogram
- Having a previous biopsy showing hyperplasia
- Lobular Carcinoma in situ
- Being exposed to large amounts of radiation at a young age
- Never having children
- Having your first child after age 35
- High levels of blood androgrens or estrogens
- Postmenopausal hormone use of estrogen or estrogen plus progestin
- Being overweight after menopause or gaining weight as an adult
- High bone density
- Having more than one drink of alcohol per day
- Starting menopause after age 55
- Being younger than 12 at the time of your first period
- Current or recent use of birth control pills
the above information has been made available through the Lubbock Area Association of Health Underwriters as well as The Susan G. Komen Foundation
Common Questions:
Is breast cancer the most common cause of death for women?
No. Although many women get breast cancer, it is not a common cause of death. Heart disease is the number one cause of death among women age 40 and above, followed by stroke, lung cancer, and lung diseases. Breast cancer is the fifth leading cause of death.
What are the symptoms of breast cancer?
When breast cancer starts out, it is too small to feel and does not cause signs and symptoms. As it grows, however, breast cancer can cause changes in how the breast looks or feels. Symptoms may include-
- New lump in the breast or underarm (armpit).
- Thickening or swelling of part of the breast.
- Irritation or dimpling of breast skin.
- Redness or flaky skin in the nipple area or the breast.
- Pulling in of the nipple or pain in the nipple area.
- Nipple discharge other than breast milk, including blood.
- Any change in the size or the shape of the breast.
- Pain in any area of the breast.
What is a mammogram?
A mammogram is an X-ray of the breast. Doctors use a mammogram to look for early signs of breast cancer. Having regular mammograms can lower the risk of dying from breast cancer. If you are age 50 to 74 years, be sure to have a screening mammogram every two years. If you are age 40-49 years, talk to your doctor about when and how often you should have a screening mammogram.
Why should I have a mammogram?
Regular mammograms are the best tests doctors have to find breast cancer early, sometimes up to three years before it can be felt. When their breast cancer is found early, many women go on to live long and healthy lives.
Where can I go to get screened?
Most likely, you can get screened for breast cancer at a clinic, hospital, or doctor's office. If you want to be screened for breast cancer, call your doctor's office. They can help you schedule an appointment. Most health insurance companies pay for the cost of breast cancer screening tests.
Are you worried about the cost? The National Breast and Cervical Cancer Early Detection Program (NBCCEDP) offers free or low-cost mammograms. Find out if you qualify.
How can I lower my risk of breast cancer?
- Control your weight and exercise.
- Know your family history of breast cancer. If you have a mother, sister, or daughter with breast cancer, ask your doctor what is your risk of getting breast cancer and how you can lower your risk.
- Find out the risks and benefits of hormone replacement therapy.
- Limit the amount of alcohol you drink.
Can men get breast cancer?
Men can also get breast cancer, but it is not very common. For every 100 cases of breast cancer, less than 1 is in men.
Courtesy CDC Features
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Obamacare and Recent Spending
There are many assumptions about what the effects of Obamacare will be. This is an aim to separate myths from realities and answer questions surrounding the Affordable Care Act.
courtesy CNNMoney
Myth: Obamacare has slowed health care spending growth.
Reality: President Obama likes to stress that health care spending has fallen to record lows in recent years thanks in part to Obamacare.
It's true that after years of skyrocketing increases, America's health care spending growth has slowed to record lows. The Office of the Actuary in the Centers for Medicare and Medicaid Services reported earlier this year that national health spending grew by 3.9% each year from 2009 to 2011, the lowest rate of growth since the federal government began keeping such statistics in 1960, according to the Kaiser Family Foundation.
But is Obamacare the reason?
Not entirely, according to the Kaiser Family Foundation and Altarum Institute, a health research group. They concluded that about three-quarters of the slowdown is due to the lackluster economy. The rest stems from efforts to keep spending down, including measures introduced in the 2010 health reform law, commonly known as Obamacare.
People spend less on health care in weak economic times. Those who lose their jobs often lose coverage and hold off on seeing the doctor. Even workers with company-sponsored plans may still face large out-of-pocket costs that they'd rather avoid unless absolutely necessary.
Companies have tried to curb their spending, too, by raising deductibles and co-pays, as well moving toward high-deductible plans, through which enrollees must typically spend a few thousand dollars before coverage kicks in. A growing number of companies have also instituted disease management or wellness efforts that aim to cut costs by keeping workers healthier.
What is your story? Do you have questions or concerns that TACT can help you address? Do not hesitate to call us! YOU are our business. We are here to stand with you and help you to withstand change.

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Farm Law Expires
with Lawmakers Split
Overshadowed by the government shutdown, the U.S. farm subsidy law expired for the second time with lawmakers still deadlocked over how to confront cuts in food assistance programs for low-income Americans.
Analysts say Congress is more likely to revive the farm law for another year or two, the path it took when the law expired a year ago, than agree on a new bill.
For more on this story, read here.
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Ways to Reduce Your
Breast Cancer Risk
Courtesy Shape Magazine - www.shape.com
You can't change your family history or when you started your period (studies indicate that a first menstrual period at age 12 or earlier increases breast-cancer risk). But according to Cheryl Rock, Ph.D., professor at the University of California, San Diego, School of Medicine in the department of family preventive medicine, there are things you can do to lower your breast-cancer risk. Here are the four habits researchers now believe can help safeguard your breast health.
1. Hold your weight steady. Study after study has found that women over 40 who weigh close to the same amount that they did in their 20s are less likely to get this disease. Ideally, you should gain no more than 10 percent of your body weight (so if you weighed 120 in college, you shouldn't gain more than 12 pounds over the subsequent decades).
2. Eat vegetables. Several studies have looked at whether fruits and vegetables are protective. According to Rock, it's vegetables, not fruit, that seem to have greater benefit. "One pooled study, which was data from several countries, showed that eating a lot of vegetables seemed to lower breast-cancer risk in all women -- and young women in particular," she says. Why is produce so beneficial? Vegetables are a very good source of fiber, which in animal studies has been shown to lower levels of estrogen circulating in the blood. Also, many veggies contain cancer-fighting phytochemicals. "The more you eat, the better," Rock says. To reap the breast benefit, get a minimum of five servings a day.
3. Exercise. "The more exercise is studied, the clearer it becomes that physical activity protects women," Rock says. The only thing that isn't clear is how active you have to be. While studies suggest you'll get the most benefit if you get vigorous exercise at least three times a week, more-moderate amounts still seem to be helpful. "There's a good hypothesis on why it helps," Rock explains. "Women who exercise on a regular basis have lower levels of insulin and insulinlike growth factor. These anabolic hormones promote cell division; when cells are constantly dividing and growing, there's a danger something will get pushed down the road to becoming cancer." High levels of insulin and insulinlike growth factor seem to act as fuel, possibly helping cancer take off. Exercise also helps by lowering the circulating level of estrogens, Rock adds.
4. Drink moderately. "Many, many studies have found a link between alcohol and breast cancer," Rock says. "But the risk does not get significant until about two drinks a day. You can still drink -- just don't overdo it." One interesting caveat: Studies in the United States and Australia have found that women who drink but also get adequate amounts of folate don't have a higher risk of breast cancer. So if you tend to enjoy a glass or two of wine with your dinner on a regular basis, taking a multivitamin every day may be a wise idea. Even better, chow down on good sources of folate: spinach, romaine lettuce, broccoli, orange juice and green peas.
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Health Note - courtesy Shape Magazine
Get Smart About Screening
The mammogram debate has raged since 2009, when the U.S. Preventive Services TaskForce stated that women at average risk should start having them regularly at age 50. Meanwhile, many groups, including the American Medical Associatin, still suggest beginning at age 40. From the National Breast Cancer Coalition: "There is insufficient evidence to recommend for or against universal screening...in any age group." It's enough to make your head spin!
"If you or your doctor detect a lump, you definitely need the test," says Lisa Schwartz, M.D. But she adn Steven Woloshin, M.D., feel the benefits for those without symptoms have been oversold. In a new British Medical Journal analysis, they explain that early detection saves lives, but not as many as you might think. They also note that "for every life saved by mammography, two to 10 women are overdiagnosed" (meaning they received treatment they didn't need). "
"Deciding about the risks of screening is a value judgement," says Woloshin, who suggests reviewing the pros and cons with your doctor.
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Health Care Information At A Glance:
The Health Insurance Marketplace is designed to make buying health coverage easier and more affordable. Starting in 2014, the Marketplace will allow individuals and small businesses to compare health plans, get answers to questions, find out if they are eligible for tax credits for private insurance or health programs like the Children's Health Insurance Program (CHIP), and enroll in a health plan that meets their needs. However, TACT, in the midst of such change, finds itself in a unique position of being able to offer the highest quality of insurance and service at the same great rates to which you are already accustomed.
The Marketplace is a new way to find quality health coverage. It can help if you don't have coverage now or if you have it but want to look at other options. The Health Insurance Marketplace is sometimes known as the health insurance "exchange." Most Americans will be eligible to use the Marketplace. Learn more about Marketplace eligibility.
If you live in Texas, you'll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Specific plans and prices will be available on October 1, 2013, when Marketplace open enrollment begins. Coverage can start as soon as January 1, 2014.
Small Business specific information is available below:
For resource news about the New Marketplace click here.
Open Enrollment begins in October 2013:
The Marketplace Can Help You:
Look for and compare private health plans.
Get answers to questions about your health coverage options.
Get a break on costs.
Enroll in a health plan that meets your needs
What can we do to help you? What questions do you have? We are here to answer your questions.
TACT - Dedicated Insurance Professionals
you know and trust...like Family.
Next Issue: October 29, 2013
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