Archive for March, 2018

Health Care Reform and Personalization: Will Healthcare Services Change?

Health Care Reform and Personalization: Will Healthcare Services Change?

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What does health care reform mean to you? It might be better coverage if you can’t afford healthcare; It might mean higher deductibles and prices if you already have health insurance; Perhaps it means complicated changes to existing healthcare plans, insurance coverage for those with pre-existing conditions and the confusion and delays of the Healthcare Marketplace to find a plan that works for you and that you can afford. One thing that it could mean for all of us is the personalization of healthcare.

When you go into a retail store to purchase something but you don’t know exactly where to look or what the right choice is, who do you ask? Generally people ask the retail sales associate.

The expectation is that they will know not only where the product is in the store, but the best purpose for it and how to use it. Unfortunately, according to a recent survey, the “Retail Buying Experience”, we are more often than not disappointed. 2 out of 5 consumers become frustrated because the sales associate doesn’t have the expertise to guide them toward the right product for their specific needs. The survey findings really point to one word: personalization. What does “personalization” have to do with choosing medical services?

We will all be required to be smarter consumers of healthcare because more of us will be opting for High Deductible Health Plans (HDHP) and the use of Health Savings Accounts (HSAs) in order to cut costs on rising healthcare costs and insurance premiums. …

Source by Maureen Young

Be the first to comment - What do you think?  Posted by admin - March 20, 2018 at 6:10 am

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The Affordable Care Act Effect: How the Affordable Care Act Affects Medical Practices

The practice of medicine is highly revered in the U.S., and yet no other industry or career path has as much regulation or such widespread and public potential of litigation for malpractice. The days of the venerable country doctor are over, yet the public still holds that perception, while the reality is more controlled by Federal agencies, insurance companies, Congress, drug companies, attorneys, and technology.

Today, more than 65% of the new physicians bypass private practice when they begin their practice of medicine. Largely due to the costs of starting a practice (much of which is due to the heavy regulation and litigation potential) these new doctors would rather be employees of hospitals and have someone else take all or most of the risk. Just a few of the laws that have contributed to this transition are The Health Insurance Portability and Accountability Act (HIPAA) passed in 1996; the Balanced Budget Act of 1997; the HITECH Act 2009, and of course the Patient Protection and Affordable Care Act (PPACA), commonly called Obamacare.

The Affordable Care Act Effects On Private Practice

Besides the movement away from entrepreneurship, this transition can have an impact of the quality of care if only from the standpoint of the potential for changing the highly regarded “physician-patient interaction” standard the public has long treasured. There is another trend that is just emerging. More of the existing doctors are choosing to become hospital employees rather than struggle…

Source by Michael S Fink

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Kennedy Health Reform – 3 Things to Consider Before Giving Your Support

Kennedy Health Reform – 3 Things to Consider Before Giving Your Support

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On June 16th around the country, legislation to reform health care hit the floor. The reform boasts of a public, universal health care plan that will create equal opportunities and access to health care for the citizens of our nation. As the public's perception of the insurance industry has rapidly declined, the idea of ​​changing the system has steadily gained popularity. We, however, believe there are some common misconceptions that should be addressed before such legislation (Kennedy Health Care Reform) is enacted.

Three things to consider before approving such legislation:

The new legislation would create a system easily comparable to that of the Medicare program available to some citizens today . Currently, Medicare serves as a program for eligible individuals (and families) with low incomes. The state and federal government fund Medicare. Likewise, American citizens, through taxes, fund the state and federal government. Citizens of the United States fund Medicare through tax dollars.

Q: If everyone in the United States is put on a universal program, mimicking that of Medicare, where do you believe the money to fund the program will come from?

Under the proposed legislation, Americans will be taxed at a much higher rate than they are currently paying, and, every citizen will be required to pay equal amounts in taxes. The healthy will not receive tax breaks for their good health nor will the unhealthy be required to pay more for their health…

Source by Scott Minor

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The Benefits of Disability Insurance

The Benefits of Disability Insurance

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Disability insurance has been labeled as another "necessary evil." However, many do not even feel it's necessary. They just see it as evil.

So why do I own disability insurance?

It's simple. Just like life insurance, I am transferring the risk from me to someone, or something, else.

Comedian Jerry Seinfeld has a bit that I like to refer to this topic. He wonders about the purpose of the helmet when skydiving:

What is the point of the helmet? If that chute does not open, the helmet is wearing you for protection.

According to MetLife, more than 80% of working Americans are not covered adequately or do not have any disability income insurance. So, 80% only have a helmet or nothing at all!

So why are so many individuals uninsured or not covered adequately? Here are some frequent responses:

– I do not need it.

You're probably right. You do not need it. But would you want it? By not having it, you are putting your assets at risk because they would have to cushion the financial blow. And remember, there is no such thing as self-insurance. You are either insured or not. Getting insurance allows you to enjoy your assets without risking them due to disability.

Studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age. Why carry that risk?

– I can depend on Social Security.

Per our federal government website: "Social Security pays only for total disability.

So what does that mean?


Source by Bernard B.

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Consumer Job Loss Creates Need For Short Term Medical Insurance

Consumer Job Loss Creates Need For Short Term Medical Insurance

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What is Short Term Medical?

Short Term Medical is a form of health insurance that is typically used for covering gaps on permanent health insurance coverage. Short Term Medical Term periods are usually for 1.3 or 6 months and some STM plans cover up to 12 months. Short term medical insurance is a great way to protect you or your family members when you may find yourself in any of the following circumstances.

Between Jobs- If you have been laid off due to recent economic changes or are simply between employees and have a waiting period for employer benefits you can purchase instant coverage short term medical for about 1/2 the cost of COBRA.

Temporary or Seasonal Employee- Short Term medical may be adequate protection to maintain health insurance coverage for those who have changing employers

Seniors- Seniors who may have retired and no longer have an employer group plan and are waiting for eligibility for Medicare.

Students Recent Graduates- Student who may no longer be eligible for a student plan or parent plan may choose Short Term medical for the gap prior to locating a more permanent employer plan.

STM Plans are offered through many of the same insurers that you can purchase permanent individual or group plans from including Assurant, Aetna, and United Healthcare-Golden Rule, Humana and Blue Cross Blue Shield. Consumers can obtain many of the same features and benefits offered with permanent health plans such as co-pays, prescription drugs, choosing…

Source by Christopher Beard

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How To File For Social Security Disability Benefits

How To File For Social Security Disability Benefits

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The law defines disability as the inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment (s) which can be expected to result in death of which has been destined or can be expected to last for a continuous period of not less than 12 months. This must be shown by medically acceptable clinical and laboratory diagnostic tecnniques.

There are two programs administrated by the Social Security Administration (SSA). First is the Social Security Disability Insurance Program. This provides a benefit for individuals who are insured under the Act through their contributions to the Social Security trust fund through the Social Security tax on their earnings. In order to be eligible for this benefit you have to have worked at least 20 quarters out of the last 40 quarters (5 of the last 10 years).

The second is the Supplemental Security Income Program. This provides payment for individuals who are disabled and have limited income and resources, even if there have been no payments made into the Social Security trust fund.

There are three ways to file for these programs. First, you can visit your local Social Security Administration Office. Second, you can file online at . Third, you can call the national Social Security toll free number at 800-772-1213.

Your file is turned over to an independent group called Disability Determination Services. They will make the determination based on…

Source by John D Roberts

Be the first to comment - What do you think?  Posted by admin - March 19, 2018 at 11:37 pm

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Disability Insurance – Important Facts That You Should Know

Disability Insurance – Important Facts That You Should Know

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The Social Security Administration controls the two disability programs: The Social Security and the Supplemental Security Income that offer help to those who are afflicted with disabilities. These are the most popular and the largest of many similar associations. Although they are dissimilar in many ways, they perform the same function of helping disabled people who qualify certain criteria to be eligible for assistance.

If applying for disability reimbursements, the Social Security Office will verify your medical background to ensure qualification, but most often the amount received hard meet your expenses.

The other means of obtaining disability benefits are by way of insurance companies. In such cases, if you are unexpectedly disabled, your insurance will dole out financial help. The company will pay you a percentage of your total income from the disability policy that you have taken, a sum that will look after when you are down and out.

You will not be required to approach the Social Security Office or convince them of your disability to receive any assistance. The Social security Disability program has nothing to do with the disability insurance that you take from an insurance company.

In the website "About Disability Insurance" it states that the basic idea of ​​a disability insurance policy is to replace 45% to 60% of your total income free of tax, if you happened to fall sick or become so disabled that you are not in a position to earn any…

Source by Suhan Suresh Shukla

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The Great American Social Security Bamboozle

The Great American Social Security Bamboozle

Photo by: Andy Hu / Unsplash

David Broder, who writes for the Washington Post, recently had a column about Social Security. If you can find it, it's worth a look – not for what it says, but for what it fails to say. As Broder gets older, he loses more and more of his marbles.

"A Hearing the Candidates Should Attend" by David Broder is filled with everything anyone ever wanted to know, except the basic question – why. Why is the Social Security program in trouble?

In the following statement Broder fails to provide a clear picture of the problem "without ways are found to reform the financing and benefits of Social Security and Medicare, the claims imposed by the retirement of millions of baby boomers will consume the federal budget and damage the prospects of the next generations. "

We did not just wake up one fine morning and say "Oops … there is no more money in the kitty" that's not how government works, so what went wrong, why is Social Security in trouble? The answer is Social Security is not in trouble, Medicare is – and lending Social Security and Medicare together is wrong, they are two separate programs.

Social Security benefits are paid through payroll taxes. Employers and Employees each pay 6.2% of wages, up to a maximum (2008 will be $ 108,000), while self employed individuals pay 12.4%.

In 2006, 84% of Social Security benefits came from payroll taxes, with 14% coming from interest earnings, and 2% from taxes on Social Security benefits.

The 2007 OASDI Trustees Report…

Source by Patricia L Johnson

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Advantage of Universal Health Care Insurance

Advantage of Universal Health Care Insurance

Universal life care insurance is a globally accepted system to provide quality health care to citizens from all walks of life. It is a system by which basic health care expenses of a person are shared either completely by the government or partially by the government through a financial system of public-private partnership. In simple terms, when a person joins universal life care insurance, he or she will be provided free treatment either in hospitals run by the government or in certain hospitals stipulated by the government or the insurance scheme. Such a system is running efficiently in almost all developed countries in the world, especially in Europe and Asia. One notable exception from this group is United States.

Authorities dealing with health care insurance in United States maintain that there are a number of private companies in United States that provide a variety of health insurance. As a well-known apostle of free market and free economy, the US must provide an unregulated market environment for these companies to engage in a healthy competition so that the consumers will get maximum benefit. They insist that in the health care insurance system in the US, the consumer have a choice in selecting the insurance scheme.

The consumers can compare various insurance schemes and choose the best one according to their view. But many experts feel that the stance of the health care authorities does not take into consideration the situation prevailing at ground level. They…

Source by Ian Pennington

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Various Segments of the Healthcare Industry

Various Segments of the Healthcare Industry

The healthcare industry has various divisions such as nursing, residential care facilities, physician's offices, dentist's offices, home healthcare services and other health practitioners.

Hospitals offer their patients complete care. They provide everything starting from the diagnosis to surgeries and long time treatments. Hospitals generally specify their area. For instance, some are only for the cancer patients or some only for the leprosy patients. The most common are those hospitals that provide treatment to all diseases. These hospitals are for all and do not cater to only a part of the ill public.

Hospital offer care 24 x 7 and thus, they give full treatment that may normally include everything from the patient's diet requirements, hygiene to everything possible related with its care.

The healthcare staff includes such a category of workers that depend on the finance, the location, the management style and method of the organization. Hospital staff normally consist of those people, who are reliable and comfortable working in shifts. The obvious reason for this is the amount and quality of care the patients in a hospital needs.

Another type of healthcare is the nursing care. It provides the patients with full-fledged care under nurses and doctors, who are present overnight. These types of healthcare facilities are normally cost and then, the common people can not afford the expenses.

In these nursing homes, patients can stay under observation…

Source by Jessica N King

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