Thanks to health care reform if you are a child with heart disease, health plans can no longer deny you coverage.  Senior health plans also do not deny coverage during the initial enrollment phase.  Don’t fall in one of those two groups?  Health plans offered by an employer are an option.  Depending on what type of heart disease you have you may qualify for a plan where you take on a chunk of the financial responsibility with a high deductible health plan for instance.  Looking for health plans and you have coronary issues?  Be sure to use the services of a licensed insurance broker.  A broker represents many different companies and he/she can assist you in finding a plan that will insure you.  Brokers will also have knowledge of which plans will have the lowest health insurance premiums available for you.

In an article from deCodeme.com it says that “research suggests that the build-up of plaque within coronary arteries that is characteristic of coronary heart disease may start as early as childhood. This means that people may have this slowly progressive disease for a long time without knowing it.  Assessing your risk of coronary heart disease and heart attack is important, because in the case of coronary heart disease there is so much you can do to reduce your overall risk.”

Coronary Heart Disease or (CHD) begins with plaque.  Plaque is made up of fat, cholesterol, calcium and other substances found in the blood.  As the plaque builds up in your arteries over the space of many years, it creates a condition called atherosclerosis.  As the plaque grows, it creates a problem.  Your arteries are sort of like rivers, or streams.  Just like a beaver will build a nest in the stream that “dams” the flow of water, so the plaque makes it difficult for the oxygen rich blood to get to your heart muscle. Eventually an area of plaque can rupture, or break open, causing a blood clot to form on the plaque. If the clot becomes large enough it can mostly or completely block blood flow through the artery.  When the heart is deprived of the blood it needs angina or a heart attack may occur.

There are many risk factors involved in CHD.  Some can be changed and some cannot be changed.  Again, from deCodeme

Risk factors that cannot be changed:

  • Age Risk increases with age
  • Gender Men are at higher risk than women
  • Ethnicity African Americans have a higher risk for developing high blood pressure
  • Genetics Increase risk for men if a father or brother had a heart attack before age 55. For women if they had a mother or sister who had a heart attack before age 65.

Risk factors that you can change:

  • Smoking
  • High Cholesterol
  • High blood pressure
  • Obesity
  • Diabetes
  • Lack of exercise