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Rethinking Health Insurance

The cost of healthcare is driving a difficult dilemma — Few of us can take the risk of a major illness or injury which can often be many thousands of dollars, yet health insurance that offsets this significant financial risk can be very expensive. The combination of a High Deductible Health Insurance plan along with a tax   Health Savings Account (H.S.A.) can be a sensible middle path; Health Insurance for major medical situations while the Health Savings Account allows you to set aside your own money for routine or future medical costs. If you are self-employed and are paying for your own healthcare insurance coverage, this can be a path to affordable medical insurance that still provides important financial protection. An H.S.A. qualified High Deductible Health Insurance policy still has the substantial protection of a major medical plan, just not the “low-end” benefits. Don’t be fooled by “Cheap” Health Insurance or “Affordable Healthcare” plans that limit benefits that you might need and still leaves you vulnerable to catastrophic medical expenses.    https://bibloteka.com/

Two Parts:

Health Insurance Component. A High-Deductible H.S.A. compliant health insurance contract.
Savings Account Component. A tax advantaged “Health Savings Account.”
It is important not to confuse the two components.

The High-Deductible Health Insurance: It is your backstop to protect you from the financial risk of a major illness or severe injury. The health insurance contract completely stands on its own but is a prerequisite for the tax advantaged Health Savings Account. These insurance contracts are really misnamed. You can indeed have a H.S.A. compliant health plan with a range of deductibles and maximum out-of-pocket limits. Insurance companies offer a range of “H.S.A. compliant plans” with different features within the IRS rules — just find a plan that makes sense for you. Be sure that any plan you select is   as H.S.A. compliant or compatible. Very few of us can afford the healthcare costs of an illness such as cancer, heart attack or a severe injury. These costs can run into the hundreds of thousands. My older brother’s struggle with Lymphoma, for instance, resulted in over $500,000 in healthcare costs over two years. A High-Deductible Health Insurance is often lower cost because you are not buying the “low-end benefits” but it still offers financial protection similar to any “Major Medical” health insurance plan beyond the maximum out-of-pocket. This is a critical component to this overall healthcare finance strategy.

The Health Savings Account: An optional, tax advantaged savings account that you can use to set aside your own funds toward future medical costs. You are required to have a High-Deductible Health Insurance plan to take advantage of this exceptional tax deal. In 2009, the maximum contribution to your H.S.A. is $3000 for an individual account ($5950 for a family account) plus a “catch-up” contribution of an additional $1000 for people age 55 or more. This contribution limit is adjusted for inflation by the IRS each year. One of the very important advantages of the Health Savings Account is how broadly you can use the funds for healthcare expenses while retaining the tax savings. Examples are over-the-counter medicines, eye glasses, dental expenses and more. A second important advantage of a Health Savings Account is the tax impact. Essentially, the money you set aside in a tax year in this special account and then either retained or spent for qualified medical costs is reduced from your taxable income. A third very important benefit is with a Health Savings Account, if you don’t spend the money contributed, you keep it. What you contribute this year and don’t spend is retained for future healthcare expenses. Don’t confuse the H.S.A. with a “Health Reimbursement Account” (H.R.A.) which you may have had with an employer sponsored plan.

Core Advantages:

Lower health insurance cost. Why pay for benefits you don’t use?
Insurance protection for a major injury or illness. The “major medical” insurance protection of the High Deductible Health plan is a critical component.
Tax Savings. Optional but productive tax deal with the Health Savings Account.
Broad Eligible Expenses. Your H.S.A. funds can be spent for many different qualified healthcare costs.
Use it or Keep it! Money you set aside in your H.S.A. can be spent for qualified medical bills but is retained if you don’t use it.
Is it a Good Fit?

This healthcare financing strategy, a High Deductible Health Plan paired with the Health Savings Account, is a good fit for many folks but not everyone. Here are the criteria that I want my clients to consider:

Can I qualify? Normally, you have to be in good health before the health insurance company will make you an offer.
Can I save? This strategy is better for folks that are willing to save for future healthcare costs.
Can I decide? This strategy is better for folks that want to make choices on what to buy with their healthcare dollars.
Can I spend? For this strategy to work safely, you have to be willing to spend your money when you need to for necessary healthcare expenses.
Summary:

I purposely have not focused on the tax rules, plan details, etc. Most folks get caught up with this extensive detail and become completely confused. The big picture is what I want you to see — This can be a great deal! — Buy health insurance for the catastrophic risk only and self-insure your normal healthcare costs with contributions to a Health

 

 

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Developing Community and Public Health Capacity for Change

National  Cancer Awareness Month
Brain Injury Awareness Month
National Kidney Cancer Awareness Month
Multiple Sclerosis Awareness Month
National   Month
National Endometriosis Month
Workplace Eye Wellness Month
National Save Your Vision Month
JAMB Subject combination
National Chronic Fatigue Syndrome Awareness Month
American Red Cross Month
Learning Disabilities Awareness Month
National Developmental Disabilities Awareness Month
National Eye Donor Month
National Poison Prevention Month
National Professional Social Work Month
Save Your Vision Month
For those in community or public health, the topics in this article will be nothing new-but as busy professionals ourselves, we often find it helpful to be reminded of the basic premises of our chosen fields. It’s so easy in our hectic-and very important-drive to complete work tasks that we lose sight of those core values for which we strive.
There are a growing number of evidence-based interventions for use by community and public health professionals to promote health and prevent disease.   2015] These practices have the potential to improve environments, , and health outcomes in our communities. In order to adopt these practices, however, public health agencies and community partners often need additional tools, strategies, and training to enhance their capacity to improve health outcomes.

The most effective prevention strategies actively engage the communities they are intended to serve. Effective health promotion and health-enhancing social change require communities to identify, plan, channel resources, and take action. The concept that a community is the solution to its own problems is not new. There is considerable support for designing community-based interventions to improve the health and overall health status of community members. According to   and Dominguez in the journal Preventing Chronic Disease, “These community-based interventions are important because health disparities and the high rate of chronic diseases in minority populations, particularly among those who are poor and lack access to community resources, are not likely to be prevented without them.” , and Dominguez: 2007]

The U.S. Office of Disease Prevention and Health Promotion’s Healthy People 2020 strives to

Identify nationwide health improvement priorities.
Increase public awareness and understanding of the determinants of health, disease, and disability and the opportunities for progress.
Provide measurable objectives and goals that are applicable at the national, State, and local levels.
Engage multiple sectors to take actions to strengthen policies and improve practices that are driven by the best available evidence and knowledge.
Identify critical research, evaluation, and data collection needs.
Many health prevention and promotion consultants stress the importance that local leaders play in building community health. The Healthy People 2020 toolkit Identifying & Engaging Community Partners, answers the question “How Do You Define Meaningful Citizen Participation?” in this way:
Power to make decisions and affect outcomes
Citizen driven; from the community up, not top down
Proactive, not reactive
Encourages and facilitates broad community involvement
Inclusive, not exclusive; accessible to all
Balanced representation in the participation process; not just major “partners”
Consensus-oriented decision making Compromise; give and take
Opportunities for involvement in all levels of activity, which include creating a vision, planning,  deciding, evaluating
Building strong relationships with necessary community partners can be time consuming. Facilitating meetings to allow the meaningful participation outlined above requires a particular,   set of skills. Here’s where a community health consultant could be extremely valuable. Each community health consultant is different, of course, but in general he or she will have significant experience with the following tasks:
Developing health education and promotion programs, such as school or community presentations, workshops,   etc.
Writing and formatting health education materials, such as reports, bulletins, and visual aids, to address public health concerns.
Developing working relationships with agencies and  interested in public health.
Designing and conducting evaluations to assess the quality and performance of health communication and education programs.
Collaborating with community groups and public health officials to identify community health needs and the availability of services needed.
Writing press releases and public service announcements, conducting media campaigns, or maintaining program-related Web sites.
Developing grant proposals to obtain funding for health education programs and related work.

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Florida Senate Candidate Vows to Repeal Florida Health Insurance Reforms

Amid        https://spynaija.com     widespread health care reform in Florida and a heated national health care debate, both Republicans and Democrats worry about potential changes to the Florida health care system. Florida Democrats, who are in  of health care reform efforts, worry that an up-and-coming GOP Senate candidate may pose a serious threat to the quality of the Florida health care system.

Republican Marco   has, until now, not appeared to pose a serious threat to health care reform in Florida. However, as the Republican candidate continues to build support for his nomination to the GOP Senate seat, Democrats are growing increasingly concerned about what  might do if elected to office. Most importantly, Democrats worry   will repeal Florida health reforms if he is elected.

That’s no wonder;   has said himself that he plans to repeal Florida health insurance reforms if he wins the Senate seat. That repeal, he said, could mean decreasing health costs for Florida residents and improving health care accessibility for all. The Democrats, however, don’t see it the same way, and are calling   “nothing more than a typical politician who is in the hands of the health industry,” said Eric , Florida Democratic Party spokesman.

According to   and a press release issued by the Florida Democratic party, if   does indeed have an alliance with Florida insurance companies, as the Democrats suspect, Florida residents will have to pay more for their healthcare than ever before. Moreover, such an alliance would increase the federal budget, reduce health care access, and create financial difficulties for many Florida residents participating in the Medicare program.

“By pledging today to repeal health insurance reforms Marco   not only promised to add to the federal budget deficit and deny Florida’s families access to health care, but   repeal would also force senior citizens to continue paying for the skyrocketing costs of prescription drugs out of their pockets by re-opening the Medicare Part D   hole,” said the Florida Democratic Party in a press release issued earlier this month.  ‘  repeal also means that he wants allow insurance companies to deny coverage when you get sick because of a  -existing condition.”

As health care costs continue to increase, including the costs of health insurance plans, one of the best things that Florida residents can do to help protect their health and their wallets is to   in a health insurance plan now to lock in the monthly premium rates before they increase.

There are many different types of health plans and health providers. In order to find the right health plan for their specific needs, lifestyles, and budgets, Florida residents should consult with a qualified health insurance plan broker who can help compare health insurance plan offerings and rates to find the best one for each individual applicant. For example, Florida residents may be able to receive health insurance plans through their employers in addition to health insurance plans that they qualify for on their own. Even if a Florida resident is able to get a health insurance plan through an employer, he or she may be able to get a better rate on a plan he or she gets independently of the employer.

One of the most popular health options is a Health Savings Account plan, which allows participants to save money into a high-interest yielding savings account that they can earmark to pay for health insurance expenses. With a Health Savings Account, participants will also receive a tax deduction for the funds they deposit into their Health Savings Account and use on qualifying medical expenses. Also, Health Savings Account options come with high deductible health plans that have low monthly premiums, significantly reducing participants’ monthly health care expenses.

Whenever enrolling in a new health ins. or changing health ins., it is important for individuals to speak with an experienced health insurance r to ensure that they have all the information they need to make a wise financial an healthcare decision for their specific needs, budgets, and lifestyles.

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Plans For California Health Insurance Exchange Take Shape

California            https://www.monalise.dk/                     officials are working to make health insurance for California more affordable and value-based with plans for an Internet-based exchange. The plan is expected to not only help individual consumers, but to also help business owners struggling with escalating California health insurance rates.

In California, health insurance premium increases have outpaced the rate of inflation by more than four fold. While the state’s overall inflation rate has increased 23.1 percent since 2002, California health insurance premiums increased by 117.5 percent.

In the legislature, attempts to bring rate increases under regulatory control were defeated by insurance companies in 2008, 2009 and 2010. Determined to gain authority similar to that already in existence in some other states where regulators can prevent unwarranted rate hikes, California legislators have proposed a like-minded bill in the current session.

California Health Insurance Exchange Is Based On Working Model

In Southern California, the country’s oldest and most successful California health insurance exchange already serves more than 150,000 members and almost 12,000 employers.  has been in operation for 15 years and provides a successful working model for the future exchange.

Growing out of the Affordable Care Act that became law in 2010, the new California health insurance exchange is meant to give consumers greater choice in health plans. Something similar to an Internet-based shopping mall is being designed to expand access for individuals and employers to see how health plans stack up to each other in side-by-side comparisons.

Health Insurance For California Will Provide A Standard Set Of Benefits

To protect consumers from the “small print” that can conceal exclusions and limits to significantly reduce coverage consumers may think they are buying, the California health insurance exchange will have a standard set of benefits. Health care services will cover specific benefits while offering different levels of cost sharing, such as co-pays and co-insurance.

The Affordable Care Act not only has provisions to make health coverage more transparent, but it also includes government subsidies to share access to health care with U.S. citizens who can’t afford the cost of California health insurance premiums. Financial help will be based on family size and income.

The new exchange may for the first time give individuals and employers the chance to enjoy health plan that is similar to what members of Congress have. Employers who still offer health plan benefits will need to change how they provide coverage to transition into using the new exchange. Employers can provide employees with voucher-like premium contributions. Employees can use these to select a health plan from several plan options at different benefit levels and prices through the exchange.

With greater clarity and  among health care plans offered through the state exchange, comparing California health plan quotes will be easier and give consumers a more realistic idea of what they are actually purchasing. They’ll also enjoy an increased sense of oversight.

Perhaps the days of bogus health plans being freely sold will come to end in the near future. As we’ve recently seen, regulation has not protected consumers who faithfully paid insurance premiums only to discover their medical bills were never paid because an insurance company was allowed to take their money without maintaining the funds to pay for claims.

While still a work-in-progress, the California health plan exchange may be a first step toward making access to health care more of a fair business exchange and less of a gamble. Extending health care services to more citizens has benefits that go far beyond benefits for individuals, families and small business owners. Withholding care until emergency services are required has a much higher cost for society than offering preventive care. In terms of both financial and moral costs, the new state exchange shows great promise.

 

 

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What Will Tennessee Health Insurance Do With Health Care Reform?

A study by Blue                https://trevonbranch.tech/                     Cross Blue Shield of Tennessee takes an in-depth assessment of the possible effects that national health care reform could mean for Tennessee residents. The study estimates that 683,000 Tennesseans will get new Tennessee health insurance coverage under health care reform. It also focuses on possible changes in access to medical care, as well as the shift from employer-provided TN health insurance to the state exchange.

Dr. Steven Coulter, president of the Tennessee Health Institute, conducted the study entitled “National Health Care Reform: The Impact On Tennessee.” According to Coulter, the study explores how the expansion of Medicaid and the establishment of the TN health insurance exchange in 2014 will affect the residents of Tennessee.

Coulter says that since the advent of Medicare in 1965, the Patient Protect and Affordable Care Act has been the largest expansion of entitlement programs. “With the expected increase in consumers eligible for Medicaid expansion coverage and an estimated 1.5 million qualifying for subsidies in 2014, there is a great deal that needs to be addressed to ensure a smooth transaction,” he says.   also noted that people who already have access to health care might have to wait longer when more people can afford to see a doctor unless there are basic changes to the health care system.

What’s Happening With The Shortage Of Doctors In Tennessee?

Long before health care reform, an appalling shortage of doctors was noted in Tennessee, and the situation has improved dramatically in some counties. On October 26, 2011, The Jackson Sun reported that the situation had improved in rural West Tennessee. Specifically, the doctor-patient ratio in  County went from one doctor per 4,675 people to one doctor per 2,229 people from 1992 to 1999. Chester County saw similar improvement with the ratio of one doctor per to 6,409 people falling to one doctor per 2,505 people.

What’s Happening to Tennessee Health Insurance Prices?

Coulter also notes the possibility that young adults will have to pay more for Tennessee health insurance by 2014. That’s because health care reform tends to level the playing field, so to speak. Groups, like the long living, have been paying high premiums, while young people have been paying low premiums. To average out the price of TN health coverage for all residents, some will likely end up paying more, but those who have been paying high rates, will get a break.

Who Stands To Gain The Most From Health Care Reform?

Overall, the people with the greatest economical disadvantages stand to benefit most as access to health care is extended to more state citizens. People who have been barred from getting TN health care coverage based on medical conditions will also get greater access to health care when they can finally get coverage.

Employers are also expected to have financial gains when they can encourage employees to get Tennessee health insurance through the exchange because not providing coverage will improve the company’s bottom line.

Will Everyone Directly Benefit From Health Care Reform?

It remains to be seen whether people who currently have TN health insurance will have longer wait times for health care, with more doctors and clinics coming to the state. For example, a federally-funded clinic opened in   county in 1993 and in Hardin county in 1995. In East Jackson, West Tennessee Healthcare opened a clinic in 1996, and federally-funded clinics have been operating in   and Lake County since the

Tennessee health insurance companies will have to navigate new price regulations and could see their profit margins decreasing over time. Insurers selling individual TN health insurance plans are already required to spend 80 percent of the premiums they take in to pay for policyholders’ care. That reduces the amount of premiums they have been permitted to keep as profit. Group plans have been managing regulations that require they spend 85 percent of premiums for policyholders’ care, though.

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Suggestions for Health Sector Reform in Trinidad and Tobago

Health                https://trevonbranch.tech/                      reform refers to the changes in health administration, health planning and, health research that places significant emphasis on local health challenges aimed at improving health administration, health planning and healthcare. They will combine to produce an efficient model of healthcare delivery capable of increasing patient physical, medical and psychological safety. Health reform should be driven by empirical data, best practice and evidence based practice. A variety of health statistics; such as mortality, manpower needs, technology functioning and patient satisfaction; should be   and employed in strengthening health systems.

In Trinidad and Tobago the current system of healthcare is highly   The Ministry of Health maintains operational oversight of five regional health authorities. These are the North West Regional, North Central Regional, Eastern Regional, South West Regional and Tobago Regional. South West, North West and North Central are the largest regions; each catering for the healthcare needs of more than three hundred thousand people.

A significant reform should be the   of the Ministry of Health in fewer functions aimed to improve healthcare efficiency. For example, it can concentrate on data compilation and analysis. It should be staffed with expert health researchers tasked with   changes in epidemiology, and trends in morbidity and mortality. Furthermore, the Ministry of Health should have the power to instruct regional authorities to make systemic and resource changes based on the statistics collected and  Regional bodies should be mandated to provide health based statistics to the Ministry of Health quarterly. The Ministry of Health must maintain general oversight of regional authorities. It should produce annual reports based on self- monitoring and evaluation of the systems, performances and challenges in each region. Financial statements and audits should be submitted annually to the Ministry of Health and factors accounting for variance should be justified. Recommendations should be made for improvements and incidences of white-collar crime prosecuted.

One major reform that should be implemented is granting absolute autonomy to regional health authorities for the delivery of healthcare. They should be able to generate their own funds by charging fees for their services. This would eliminate dependency on the state or Ministry of Finance for funding. Each regional health authority should be able to invest in the stock market or undertake other income generating measures it deems feasible. Its funds should be spent in accordance with the health needs of the population it serves. Regional authorities should be responsible for primary, secondary and tertiary healthcare. In addition, they should be given oversight of private hospitals and health facilities in their geographic regions. Private facilities should be subject to price controls to avoid exorbitant charges and should be required to pay at least ten percent of their annual profit to the regional authority.

In addition, regional authorities should have the power to ensure that all health institutions and providers adhere to national accreditation standards. The Ministry of Health should be charged with responsibility for developing national accreditation standards in all aspects of the operations of health institutions. These should include hospitals, pharmacies, private practice. Also conventional and alternative medicines should be subject to accreditation standards. Everything and every health based institution should be subject to accreditation standards comparable with those of more developed countries such as Canada and the United States.

It is palpable that the boundaries of each regional authority be redefined so that they are of almost equal population size. At this time South West Regional is responsible for slightly over one half million people. Therefore given its limited resources, it cannot be expected to perform with greatest efficiency. Given the fact that the better health facilities are situated in urban   this would be a challenge that must be overcome judiciously. To accommodate this reform, regional authorities should induce joint public and private partnerships in the provision of healthcare   in rural and other districts less accessible to major hospitals and health

To make the health system efficient, a  electronic health record system should be developed and implemented. This would ensure that patients could access care in any region. Thus it would make it easy to access health records from any healthcare facility owned and administered within any regional authority. It is expected that the Ministry of Health should take a leading role in this enterprise. Records of patients in private hospitals should be accessible to regional authorities given that they may be moved to a public hospital if the care they require cannot be attained there. Sometimes for financial reasons such as exorbitant cost, patients may be moved to a public hospital.

Employment policies should enable the free movement of skills and expertise across regions. In some instances, highly   surgeons and caregivers should be made available to patients in other regions on a needs basis. In other words, one region can pay another for the services of its skilled human or physical resources demanded.

Regional bodies can collaborate in health planning. They can develop their strategic, business and budget plans cooperatively. Afterwards they can tweak their plans to fit their population needs. The main advantages of   planning will be greater transparency, accountability and inter-operational functionality. Inter-planning can reduce competition between regions and ensure that scare resources are used efficiently. In effect, the Ministry of Health can compare operational effectiveness and best practice across all regions and provide opportunities to strength operational or institutional efficiency.

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Physician Jobs and How to Find Them

There are            https://psychedelichomes.com/                many reasons why hospitals, medical facilities and clinics have temporary job openings. Perhaps a long-time physician has retired, or other doctors are taking well-deserved time off for maternity leave or sick leave. This leaves the medical facility with a need to either temporarily or permanently fill these physician jobs. It is costly for a hospital to go without filling that position due to the lost revenue produced by the physician. In order to fill these needs, other physicians enjoy the challenge and change of pace by filling these locum    jobs.

Physicians enjoy locum   jobs, which could include family practice jobs or internal medicine jobs, for many reasons. They allow the physician to travel the country while still earning money. The doctor has a great deal of control over where he or she will work, when the work will take place, and for how much. This freedom and flexibility over your schedule that comes from working temporary physician jobs, plus knowing that you are helping out a medical facility in need, makes locum   jobs attractive to physicians.

But how to start? Finding these types of physician jobs is easy when you turn to a physician staffing service. A staffing firm keeps a large database that is continually updated with all the current temporary and permanent physician jobs currently available. How you access this wealth of information is to submit your contact information, areas of   the dates you wish to work and your curriculum vitae at your convenience on a secure website. In return, the locum   jobs firm provides you with a list of physician jobs that meet your specific criteria.

Let’s say that you have looked over the list of jobs and decided to take one of the family practice jobs or internal medicine jobs. If you will be  medicine outside of your home state, you will need a medical license for the new state. Your staffing service can help you obtain the licensing you need. You will also need medical malpractice liability insurance, and this is another area where the physician staffing firm can be of help.

Travel and housing also need to be considered when you take a new job offer. Better physician staffing firms will take care of all of these important details for you, so you do not have to worry about it.

 

 

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Patient Tips Insulin Print Share Insulin 7 things you should know

an analog insulin that    https://starmedpharmacy.com/      is a genetically modified human insulin. Human insulin is made up of a linked A and B polypeptide chains an made by switching the sequence of two beta-chain am at B-28 is switched with the lysine at B-29. This results in more rapid dissolution of the insulin to a dimer and then to a monomer which means it is absorbed more rapidly after subcutaneous injection and lasts for less than five hours.
The primary activity of insulin, which includes insulin , is to allow cells throughout the body to uptake glucose (sugar) and convert it into a form that can be used by these cells for energy.
2. Upsides
May be used to treat type 2 diabetes in adults or type 1 diabetes in adults and children over the age of three, g and Humalog brands)v is only approved for adults over the age of 18.
May be used to treat mild-to-moderate diabetic ketoacidosis because it is a rapid-acting insulin (off-label use).
May also be used to treat gestational diabetes when nutrition and exercise have not been effective.
Ins does not pass into breast milk and will not affect a nursing infant.
Absorbed rapidly after subcutaneous (under the skin) injection, which means it can be given closer to meal times.
regular insulins to cause hypoglycemia.
Starts to work 15 minutes after injection, peaks in about one hour, and keeps working for two to four hours.
Several different brand Humalog are rapid-acting insulins in a conventional formulation is an ultra-rapid formulation i. These brands differ in their onset of action and administration instructions.
In is available in prefilled pens, cartridges, and vials.
Less expensive authorized generic versions of insulin  are available