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Health Magazine

Conclusion – What to Expect

The underlying intent of health care reform was to provide a format in the market place empowering the consumer. The formulators of HCR attempted to push the re-set button on competition when the new law eliminated discriminatory practices toward pre-existing health conditions among other mandates. Combined they hoped this revised market would reward only the carriers who were able to maximize efficiencies.
A likely unintended consequence could very well be a less competitive market. A rash of mergers and acquisitions may be looming over the next three years prior to the January 1, 2014 date, on which almost all of the mandates must be in place.
Some experts see another unintended consequence of fast rising prices for health insurance prior to January 1, 2014, when regulations govern premiums. The health insurance industry will surely push for some modifications such as increasing the “penalty for not enrolling”, or seeking limited enrollment periods.
Employers in the 50+ employees range may begin to lay off employees to fall below that threshold and avoid the burdens HCR is mandating. They may instead opt for longer hours rather than increasing staff to more than 50 employees.
In its present state, the totality of the mandates in HCR look to be moving the health insurance industry toward the same operating environment as public utilities. If the trend plays out, certain geographic areas may, in fact, see reduced competition. Small regional carriers would be the most likely for acquisition by the large multi-state carriers.
Research has shown that when the profit motive is removed, operating efficiencies of organizations diminish. Many fear the profit motive is being stripped from the health industry. Research and development of new technologies that diagnose and treat health problems could suffer.
You will hear many say US citizens have shorter life expectancies than other nations throughout the world and that is because the US does not have a comprehensive national policy on providing health care to all. The opponents say the life expectancy issue is more a function of life-style choices such as a poor diet and personal hygiene practices.
The debate will continue to be vociferous and heated for the years to come. As the Secretary of Health and Human Services, Kathleen Sebelius, issues rules and regulations, we will begin to see the direction HCR is taking, whether it will in deed become the biggest social program in American history or a catalyst to improve efficiencies and therefore reduce health care costs.
One certainty is known now. The 2700+ pages of HCR law will be challenged Constitutionally. The rules and regs that come out of HHS will be challenged in court and public opinion. New rules and regs will be issued to clarify previous determinations.
How we shop for insurance will change: Consumer Owned and Oriented Plans (COOPs), Exchanges, subsidies, private purchase, small group, large group and individual plans. The category in which you find yourself on January 1, 2014, will generally determine where and how you shop for insurance. For example, those who qualify for a subsidy may be required to buy through the Exchange in order to receive the subsidy.
Health plans with limited benefits will be forced to comply with mandates or cease marketing those products.
The minutiae are so vast and complex, and some people might come to see the system invasive of privacy. When you receive your W-2 statement, you will notice the value of your health insurance on it. If it is too rich, you will have some tax consequences. If nothing is listed, you will be fined. The IRS will be in charge of this monitoring process.
Picture this… January 1, 2014, arrives. You’re a family with 2 dependent children. You recently had to sell your lake house last year to keep your health insurance from lapsing.
Your neighbor down the street decided to let the insurance company repossess its health insurance policy so he could hang onto his mountain retreat. He has offered you to feel free to enjoy his getaway anytime you need, but you feel bad because you can not reciprocate by allowing him and his family to enjoy the peace and relaxation your health insurance can offer, although you have offered to share with him a reading of the policy.
Then one crisp winter evening following days of white-out blizzard conditions, an avalanche fells the cabin with the two families trapped inside.
True/False:
Will your friend be able to buy health insurance on the way to the hospital?
False? we all should be able to enjoy the health insurance reforms as providing a much welcomed relief to long lingering problems of skyrocketing premiums, exclusion of health conditions, and so on.
True? a nightmarish scenario begins. You beat yourself senseless now having realized you did not need to spend all that money …

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Health News

Effects of Health Insurance

The mandates placed upon all current and future employers are soon going to become a burden. The realization of more employees becoming unemployed are at great risk once The Patient Protection and Affordable Care Act is fully implemented. Where this new universal health care will lead is anyone’s guess. Those individuals who will be at risk the most will be the self-employed, the small business owners, and the freelance entrepreneurs.
One of the current questions is what happens to those employees who will be pushed into purchasing their own insurance policy because the employer can no longer afford the burden. Most employers factor in the annual cost of low-cost health insurance when they are interviewing a prospective employee. Will the offset be added to the individual’s annual wage?
What happens when the employer decides to eliminate the cost of insurance, but does not add the annual cost of the insurance policy back into the employee’s salary? Yet, you must wonder into which tax bracket the employee will be pushed if the cost of insurance is added to the annual salary.
Individuals who are self-employed will have no options to provide an affordable insurance policy for him or her self and their immediate family members. Unfortunately, the cost is only going to increase forcing many self-employed to forfeit their current self-employed health insurance for a government-run insurance option. How this will help anyone is beyond current expectations.
Considering the Medicaid expansion is just around the corner, this may open up a once unconsidered option to more self-employed individuals than has ever been before. What quality of medical care will be delivered will become more scarce. It stands to reason because in the near future there will be more individuals possessing individual health insurance policies than before.
This will crowd the entire medical community with millions of individuals, while the medical community grows smaller. There are currently qualified medically trained doctors leaving the medical community than are coming into the medical community. This is a man-made disaster in the making.
It is feasible with the passage of the health care bill, that far too much emphasis has been placed on a long awaited promise that in reality is impossible to deliver. Of course, there are many self-employed individuals who are willing to pay the mandated health tax in lieu of becoming a subscriber to any insurance corporation. However, when the health tax reaches two percent of the annual income, the self-employed will have some major decisions to consider, as all citizens will.…

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Health Magazine

The Importance of Home Health

In Miami home health care is becoming more prevalent because of the overcrowding of hospitals. While that’s not a bad thing, elderly care in Miami is beneficial to those who have very limited mobility. The specialization for elderly care professions range from nurses to speech pathologists. Where elderly care in Miami is especially important are for members of assisted or retirement communities.
Make no mistake about it, senior citizens need the deepest amount of healthcare and regardless of where they live. Imagine the benefits of having elderly care. There is no risk of an emergency in the transportation of patients from the home to the hospital.
Home health is becoming more prevalent because of the flexibility that if affords patients. It’s also cost effective for hospitals and other health professions.
When living in an assisted living center or retirement community, it becomes especially beneficial because of the resources that are already there.
Home health professionals are trained to be aggressive and understanding the needs of every patient. More and more retirement communities are employing home health professionals because they are realizing that there are many benefits to it and structurally it makes sense for the retirement community.
Healthcare is a delicate thing today and you need the best care at any moment’s notice. Home health is definitely a way to do so. Getting care at any point in the day is something that will benefit everyone. Allow home healthcare in Miami work for you. It will be the best decision for you and the family.…

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Health Products

Diabetes – Stop the Madness!

CNN reports today by the year 2034 that 44.1 million Americans will be living with diabetes and the cost will rise from $113 billion to $336 billion per year. For the most part I believe, after having done the research, this is a disease that should be going down in cost. Why? Well if we start taking responsibility for our own health and stop leaving it with the Doctors and Pharmaceutical companies,
Diabetes would be reduced rather than increased. This is a disease that is brought on by our diet unless you suffer from type 1 Diabetes. Type 2 Diabetes is brought on primarily by What we eat! That would include not only what we eat with our mouths but what we are eating with our eyes.
Fast food companies are not only guilty of saturating us with their fats and high fructose corn syrup but they also saturate our minds with commercial after commercial of individuals happily scarfing down their non nutritional food. What they don’t show you is their consumers having to test their blood day after day to try and maintain their normal insulin levels. They don’t show the individuals Who have to have their leg amputated from poor circulation nor do they show you people who have to take dialysis and the problems associated with it.
Back in the 50’s, yes way back before Ronald had his McDonald’s and his Big Mac heart attack, Doctors used to puff on their healthy cigarettes and tell us that it did not matter what we ate. Cigarette companies ran ad after ad telling us the benefits of smoking and how refreshing it was. Since that time cigarette companies are no longer allowed to run commercials on television to teach us about the wonders of smoking and our view of tobacco has changed. Not only has that changed but they have also been found liable for the promotion of death in the case of some individuals. Perhaps it is time we started to treat the fast food industry like we have treated the Cigarette company. Perhaps we need to put a warning label on Fast Food packaging and stop the commercial bombardment of their advertising. Maybe they are not as innocent as they claim to be when they are being tried for their accountability with regards to an individuals health, but then again neither are we.
How wrong it was in the past to not really teach nutrition and profess that your diet had little if anything to do with a persons health. How wrong it is proving to be. Not being concerned about eating healthy has made us very unhealthy and dependent on the world of pharmaceuticals to save us. For the most part, aside from a few exceptions, The pharmaceutical companies seemed to have made our world worse not better. They have fed us with a victim mentality and told us not to worry we have a drug for you. That is as long as you have insurance. Oh and don’t worry we are not going to cut your doctor out, you will need a prescription. If you don’t have insurance we are going to make up for the discount we give the insurance companies with our astronomical charge that we are going to lay on you. For the Medical industry, and I am talking about the commercial part of it, I’m sure they are looking at the article in CNN and thinking about all their profits for the future. For you and I, I hope we are thinking about stopping the Madness!…

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Health Magazine

Cat Health Care and the Vet

Pet cats will typically live twelve to fifteen years, but improvements in cat health care, medication and veterinary treatment as well as the availability of better quality foods has meant that some can live into their late teens or even twenties. This long lifespan is rare in those which haven’t received very careful and comprehensive cat health care, though.
When you bring home your new cat, especially if it is your first, or when you move to a new area you will need to find yourself a cat health care professional at a veterinary surgery. Finding a vet needn’t be complicated; it can be as simple as opening the phone book or having a quick look online. Vet surgeries that you find this way will offer good quality treatment, but if you would rather use a recommended vet then consult the RSPCA or friends and neighbours who also have cats for their suggestions.
Regular visits to the vet are one of the best ways of guaranteeing that your cat lives a long and healthy life. Caring for a cat is a challenge because cats can’t talk to tell you when they feel unwell or are in pain and discomfort. Although the vet can’t get your cat to talk either, they are well trained in picking up on early warning signs which might point to a serious cat health care problem, so regular trips to the vet are vital.
As your cat gets older, its needs will change and the vet’s cat health care check up will most likely become more in depth. For example blood or urine samples might be taken to ensure that your cat’s internal organs are functioning well and are in good condition. A vet will also be able to give you advice on your aging cat’s changing nutritional needs and check out their teeth for signs of gum disease.…

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Health Magazine

There Are More Americans Joining “Physicians Against Obama Care”

Leave it to politicians to make a health insurance issue into a penalty against those in the medical field and the poor Americans that can’t afford health insurance. Instead of health insurance reform, the new Obama Care health care bill became a penalty against those that can’t afford health care and limits the amount of money that surgeons and medical specialists can make. While a brain surgeon or cancer specialist are limited in annual salary, executives at large insurance companies still make millions of dollars in salaries, despite the glaring salary abuse of the executives at insurance companies, like AIG.
While nobody argues that the insurance industry needs to be reformed because their supervisors and management make more than the most skilled cardiologist, the government is forcing millions of Americans to purchase health insurance or face fines and penalties. It hurts small businesses and the individuals that will see rising premiums, while it also hurts the medical field that will be limited by what fees can be charged, especially when it comes to surgeons and other medical specialists, including anesthesiologists. The Obama Care health care bill is a massive amount of fine print that is going to overload the already overloaded medical field while the deceitful insurance industry is going to benefit.
When you consider that the AAPS, the Association of American Physicians and Surgeons, has already filed a lawsuit against the Obama Care health care bill, there are many conservative Americans that don’t want to be forced to pay for health insurance that might not even cover their health care needs and the tremendous budget deficit it creates. The Obama Care health care bill is unconstitutional and it doesn’t help the majority of the American people or those in the medical field, except maybe primary care doctors or pediatricians, who will see increased business. Of course, the patients that really need care will be waiting in line with those that are going to the doctor for minor issues, just because their insurance company will pay for it.
There are many states that have Attorney Generals looking into the legality of forcing Americans to purchase health insurance and small businesses will incur large penalties, if they don’t offer health insurance policies for their employees. The bill covers a few people at a tremendous cost and penalty to the majority. The only reason the Obama Care health care bill passed the house by 4 votes was that Democrats pushed it through because Obama and Pelosi demanded it and they were sick of having it forced down their throats. Instead, what should have happened was reform of the health insurance industry, who has been abusing the public, small businesses, doctors and the system for far too long.
Concerned Americans and the medical field have joined the AAPS in efforts to over-turn this massive health care bill that nobody has read with any comprehension. Even the politicians that voted for it can’t tell you much about it except the highlights. If you are a medical specialist, surgeon, anesthesiologist or concerned American, you can let your voice be heard against the Obama Care health care bill by VOTING in the polls and signing the iPETITION on the home page of .…

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Health News

Taking Advantage Of The Vibrant Traveling Professional Industry

The sudden onset of major foreclosures of vital enterprises in the country’s industry has created a dent in the economic policies implemented in the nation. It prompted economists and politicians alike to reassess the effectiveness of the government’s free hands over the economic proceedings in the private sector. Amidst the chaos that attributed to the high recession created is an image of a new and surging health care industry in the nation.
The high stability that it showed during the downturn has opened new horizons for those who are involved in the health care industry. The said stability was somehow attributed to the high demand and growing population of the elderly in the country, particularly those belonging to the baby boomer generation. Due to the exhibited stability, there is therefore a higher job security when one is aligned with the health care industry.
The current trends have led to various changes in the way that the health care industry functions. Despite a myriad of choices, the traveling health professional industry presents the greatest potential. This allows health professionals to leverage on the high shortage of man power across the country and therefore maximize the proceeds that they get out of their jobs or contracts. One may enter any branch of the health industry by way of professions such as nursing, physical therapy or speech language pathology, and still be rightfully assured of a proper post in most health care services and facilities.
The perplexing staff-patient ratio difference has added to the said high demand for the health services and health providers, which somehow made the health industry strong amidst the tribulations experienced by other sectors. This discrepancy somehow affects the health delivery program as it entails poor quality of care given to the end consumers of the service especially those that belong in the public sector. With that in mind, the health care industry is still set for further growth in years to come.
If you have a job that is medical related, try getting into the traveling professional world and make use of the huge amount of possibilities that the current trend present for health workers. Take advantage of the current staffing shortage in most health facilities and get high salaries for your labors, higher than those who are working as permanent staff in these facilities. Establish a partnership with a mobile staffing agency so as to allow you to tap into their huge data bank of clients leveraging for the services of the agency’s professionals like yourself.
Imagine yourself traveling into exotic places with loads of free stuff provided to you by the agency and at the same time get a high compensation from your job. This opportunity is only available to those who are at the top-tier of a big company. Traveling while working, a powerful force that could fulfill your once dreamlike fantasies but now a reality! All you’ll have to do is to grab that opportunity and take full advantage of that it presents to you! Come and experience a chance of a lifetime!…