tag:blogger.com,1999:blog-89118211040788983432024-03-13T13:55:55.123-07:00Health Care SystemMaduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comBlogger138125tag:blogger.com,1999:blog-8911821104078898343.post-85384777843320761942013-01-15T21:25:00.001-08:002013-01-15T21:25:53.992-08:00Why Can't We Just Let the Free Market Fix Our Health Care System?<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-gSXEeJc1DQg/UPY5mp5gHtI/AAAAAAAAAis/wjA1N6qSPA8/s1600/health+care+cartoon.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="241" src="http://2.bp.blogspot.com/-gSXEeJc1DQg/UPY5mp5gHtI/AAAAAAAAAis/wjA1N6qSPA8/s400/health+care+cartoon.jpg" width="400" /></a></div>
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Often, the government promises they can fix any problem, and often politicians are elected based on these promises. However, when push comes to shove and performance is paramount they often fall on their sweet little behinds. Okay so, let me give you a case in point - let's talk about a free-market fix for our health care system here in the United States. You see, there's a very good book I just read, and one I'd like to recommend you. This is a book I do own, and I hesitate on lending it out, because this report and research is that good. The name of the book is;<br /><br />"Health Care's Retail Solution - A Consumer Focused Here for the Industry," A Strategy + Business Book edited by Amy Bernstein, published by Booz Allen Hamilton Washington DC, 2008, 96 pages.<br /><br />This is a very interesting book, and perfect for anyone who is seriously considering what it will take to bring costs down in our health care industry. Is there an answer, is there a solution better than ObamaCare. Indeed, it appears so, and there are eight great essays in this book covering a myriad of the challenges we face in the future, and it explains what we've been through in the past. These essays explain why we need a free-market solution, rather than a heavy government top-down solution.<br /><br />These essays get into political philosophy, crony capitalism, state run capitalism, and the reality of cost controls and shortages based on socialized medicine. One of the more interesting essays is in the introduction by David G Knott PhD. Now then, I do believe you can find a copy of this book online, and download the PDF to your tablet computer to read at your leisure. You can read this book in one evening if you'd like, but I will suggest that you spend a few days, reading a couple chapters each day. Then think about how all these issues run together, and why the ObamaCare one-size-fits-all can't work.<br /><br />The book also talks about the dangers to research, the runaway costs, and the future of provider payments. Much of the data which is used by the Government Accounting Office and the Congressional Budget Office (GAO and CBO) is less than adequate, and fails to take into consideration some of the most important computational analytics, not to mention the ever-changing demographics coupled with high unemployment, runaway debt, and a bureaucracy to boot.<br /><br />While other essays out in the public and online might suggest that we should dump ObamaCare altogether, which is probably best - this book specializes in customer-focused care for the industry using a retail strategy, along with inner-city clinics, and integrated into Medicare albeit without the paperwork and bureaucracy nightmare behind it. Like I said, this is a book I do own, and is on my shelf, I would recommend it to those who are seriously considering real-world solutions for our health care challenges here the United States.<br /><br /></div>
Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-75407007222092272852012-09-13T00:08:00.000-07:002012-09-13T00:08:28.583-07:00Controversial Health Care<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><br />
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<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><a href="http://3.bp.blogspot.com/-lLlBPwmF2Ok/UFGGAcKZCuI/AAAAAAAAAho/_QAQc-Gf7M0/s1600/Heart01.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://3.bp.blogspot.com/-lLlBPwmF2Ok/UFGGAcKZCuI/AAAAAAAAAho/_QAQc-Gf7M0/s320/Heart01.jpg" width="320" /></a><span lang="EN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN; mso-fareast-font-family: "Times New Roman";">Health is a hot button issue for politicians and voters in the recent past it has become. Some people believe that universal health care system so that everyone has access to health insurance should not be introduced. Others think that the health system should remain the way, currently with private health care companies in control of Government control of health policy.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><span lang="EN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN; mso-fareast-font-family: "Times New Roman";">Like all debates, money plays a role in the controversy behind health care. The cost of an already stretched budget will add an additional work for the Government hundreds of billions of dollars going to public health systems. Taxes should be raised to finance public health care plan. Some of the residents who brought most of the tax burden, not thinking, that they should have because they do not have the current crisis care is affected.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><a href="http://4.bp.blogspot.com/-jEhjY69TjRA/UFGGBS7JSZI/AAAAAAAAAhs/crCH0Ji1Fxo/s1600/Heart02.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="310" src="http://4.bp.blogspot.com/-jEhjY69TjRA/UFGGBS7JSZI/AAAAAAAAAhs/crCH0Ji1Fxo/s320/Heart02.jpg" width="320" /></a><span lang="EN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN; mso-fareast-font-family: "Times New Roman";">The argument for the other side claimed that the cost of health insurance has become so expensive that many Americans can't afford their monthly premiums. Americans not currently covered every year in medical bills cost hospitals millions of dollars.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div><br />
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</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><a href="http://4.bp.blogspot.com/-S_-CT-ajO1U/UFGGC6h3DYI/AAAAAAAAAh0/kxslQaE-Ey4/s1600/Heart03.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="180" src="http://4.bp.blogspot.com/-S_-CT-ajO1U/UFGGC6h3DYI/AAAAAAAAAh0/kxslQaE-Ey4/s320/Heart03.jpg" width="320" /></a><span lang="EN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN; mso-fareast-font-family: "Times New Roman";">Those who oppose universal treatment plan that healthy Americans who care do not have to bear the brunt of America don't even care about that. Statistics mean healthy wealthy in America.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><span lang="EN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: EN; mso-fareast-font-family: "Times New Roman";">On the other hand the problem believe that every citizen should have access to affordable insurance and health insurance. They claim that it is not a health care plan for each day it is available for a number of reasons, including those with health insurance are automatically disqualified under the current system.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-3835224430017430292012-08-17T21:09:00.000-07:002012-08-17T21:09:07.915-07:00Universal Health Care In Canada - The Labor Union and Public Accountability<div style="text-align: justify;"><a href="http://3.bp.blogspot.com/-WdvLja7H3dk/UC8UW4z2vEI/AAAAAAAAAhQ/SGX1BgLPDGU/s1600/rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr01.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="http://3.bp.blogspot.com/-WdvLja7H3dk/UC8UW4z2vEI/AAAAAAAAAhQ/SGX1BgLPDGU/s1600/rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr01.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="274" src="http://3.bp.blogspot.com/-WdvLja7H3dk/UC8UW4z2vEI/AAAAAAAAAhQ/SGX1BgLPDGU/s320/rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr01.jpg" width="320" /></a>The system of universal health care in Canada is founded on public trust and accountability. The labor union provides a solid foundation for promoting public accountability in the Canadian health care system by protecting jobs so that workers can always work in the interest of the public even when that conflicts with their employer's interest.<br />
There are three stakeholders in the universal health care system in Canada. In the interest of the Canadian public all three groups must work together to deliver health care services.<br />
These three groups are:<br />
1. The government - the Canadian health care system is funded federally but administered by the each of the thirteen provinces and territories. All funds flow from the federal government, to the provincial government,and then to the employer. All provincial and territorial governments must maintain accountability to the federal government for the way that funds are dispersed and annual reports are necessary to ensure compliance with the Canada Health act. <br />
2. The employer -Regional health boards administer local health care services. They employ people to deliver services to clients and customers who are the members of the community they serve. In smaller provinces and territories the provincial or territorial government may be the employer. <br />
3. The workers - These are the people who provide patient care and services as well as the workers who support those services such as the cleaning staff, food services workers, carpenters, electronic data specialists and others.<br />
Each of the stakeholder groups also has a self interest which could be described as:<br />
1. The government - self interest is often directed only toward fiscal accountability and balancing the budget. Sometimes this means increasing taxes or even decreasing services if funds are limited. In most provinces in Canada governments have passed labor laws that put restrictions on a labor union strike in health care in order to protect the public they serve. <br />
2. The employer - the employer's self interest is to maintain the flow of funds so that services to its customers can be maintained. The employer also has a self interest in maintaining the skills and education of its workforce so it can continue to provide services and meet present and future challenges. <br />
3. The workers - people work in their own self interest. They have families to feed and mortgages to pay. People do not want to work for nothing. They want to feel valued and know that they are making a contribution to their organization and their own community.<br />
All three of these stakeholder groups work in their own interest, but in order to provide health care in Canada they must all work together in the public interest. Therefore there has to be a strong public accountability framework that supports the Canadian health care system, because self interest and public interest are not always compatible.<br />
It is only when the parties work together in the public interest that health care can be delivered in the way that the Canada Health Act requires.<br />
<a href="http://1.bp.blogspot.com/-DfSpcWyr2mo/UC8UYDi71jI/AAAAAAAAAhU/9IUuV_BcZv4/s1600/rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr02.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="http://1.bp.blogspot.com/-DfSpcWyr2mo/UC8UYDi71jI/AAAAAAAAAhU/9IUuV_BcZv4/s320/rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr02.jpg" width="213" /></a>Labor Union in Universal Health Care in Canada<br />
The labor union provides a necessary foundation for the public accountability required within the Canadian health care system and this becomes especially important when the interests of the stakeholder parties are in conflict.<br />
It is quite reasonable for an employer to direct an employee in their work and this is accepted within the labor union movement in Canada. However, it is not accepted that an employer can direct an employee to perform their work below an acceptable standard. In other words an employer cannot direct an employee to be a bad employee and do poor quality work.<br />
Employers in the public sector in Canada know that labor unions must work to protect the social and economic welfare of members and therefore, they are aware that the public interest can only be served when employees and employers work together in a common interest. In universal health care in Canada that common interest is the public interest.<br />
With labor unions protecting jobs, workers know they can work in the public interest and still fulfill their own self interests because they have confidence that there are mechanisms in place to resolve conflict and that employers cannot arbitrarily change the nature of their working conditions.<br />
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</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-53559836082100175602012-08-01T21:02:00.000-07:002012-08-01T21:02:03.248-07:00Why the Current American Does Not Work and Why It Should Be Changed<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-HHi8m42X2z4/UBnzWVUCKyI/AAAAAAAAAgo/agNc0zPA72k/s1600/ameria01.jpeg" imageanchor="1" style="clear: left; display: inline !important; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://4.bp.blogspot.com/-HHi8m42X2z4/UBnzWVUCKyI/AAAAAAAAAgo/agNc0zPA72k/s320/ameria01.jpeg" width="320" /></a></div><div style="text-align: justify;">The preference for minimal government oversight and ideas of individualism are responsible for the way American health care system is structured. However, access to health insurance and health care has been a pressing issue in this nation for a long time; rated by the WHO as one of the worst among industrialized countries, the United States' health care system is too costly and fails to cover everybody. Despite president Obama's attempt to bring about change, many continue to question the effectiveness of the Patient Protection and Affordable Care Act the concerning both costs and overall coverage. The issues regarding health care reform directly affect the feasibility of the American Dream because adequate health care and insurance are necessary to full citizen participation and it is the government's responsibility to provide access. I believe that given this nation's strong anti-statist values it will be difficult to implement a federal health care policy; therefore it is more feasible for states to create health reforms like the one in Massachusetts and ensure universal health care.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">In 2007, the US health system presented many problems concerning the amount of people who were both uninsured and underinsured and the fast rise of insurance premiums causing many Americans to report debts and problems due to medical bills (Commonwealth Fund Commission, 232). The cost of American health care is inarguably one of the major setbacks of the system; it is the highest amongst those of other industrialized nations but not necessarily more effective. For instance, a case study in the town of McAllen, Texas, shows how the overuse of medicine and the "fee for service" incentives available to doctors can really drive up the cost of medicine. McAllen is one of the most expensive health care markets in the country where most doctors focus less on preventive care and more on running extra tests, services and procedures out of fear of malpractice, influenced by differences in training, or simply to make a few extra dollars. (Gawande, 340-342). Although the situation in McAllen might be an extreme example, it does not fail to explain how the "culture of money" partly affects the cost of health care system. Unlike systems such as Canada and Japan, the American government plays a minimal role in bargaining down prices or setting price standards, this lack of control allows doctors and medical institutions to often purchase the latest technology, but not the most efficient (Klein, 256). Nevertheless, doctors are not to be labeled as the villains because private insurance companies add to the problem by expending a quarter and a third of their revenues on administrative costs (Weissert and Weissert, 350).</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The high number of uninsured Americans (45 million in 2007), is another disconcerting fact regarding the downfalls of the American health care system; it is unfortunate that in an industrialized nation, once considered the most powerful in the world, people are often forced to put their career dreams on hold in order to gain access to employer based insurance. This has a negative impact on the nation's economic and political development because people who could create the latest technological innovations are "locked" at Wal-marts and the likes. Low income uninsured families like Greg and Loretta, who struggle to keep their children healthy, lose all faith in the American dream and essentially become a burden for the rest of society. Some argue that good health is a personal responsibility, and yes eating a burger everyday will obviously have negative impacts on a person's health and they should be held accountable for those poor choices. Consequently, some would blame Greg and Loretta for their unfortunate condition, but the question is; how can their children be expected to become productive citizens if they lack basic health care? The American Dream encourages individualism, but individuals cannot perform to the best of their abilities if they lack the necessary tools to do so.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">In 2006, the state of Massachusetts passed an "ambitious" health care reform that improved access to care and lowered the rate of uninsured working age adults; in spite of its high costs, this plan exemplifies how reforms at the state level can perhaps be easier to implement and regulate, consequently having successful results. The plan is essentially composed of three parts: expansion of the state's Medicaid progress (establishing income-related subsidies), creating new private insurance plan open to individuals, and lastly it requires that both individuals and employers participate in the health insurance system or pay a fine. Furthermore, it provides individuals with the alternative to buy from private insurers if they do not have access through an employer (Long, 321). Mixing public and private markets achieves near-universal and gives citizens options.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Two of the most important elements of this reform are the certainty of having access to coverage in the case of unexpected unemployment and not having to worry about rejection due to pre-existing conditions (Kaiser Family Foundation, 325). The economic downturn has and continues to hurt many families, many jobs are uncertain and health insurance is no longer secure, therefore by making sure citizens continue to have access to health coverage, the state of Massachusetts is essentially contributing to the overall development of the nation's economy. When people are not worried about paying astronomical medical bills, they have more time and money to spend on purchasing houses, cars, etc which ultimately results in consumerism and more profits. Lastly, the Massachusetts provides citizens with high quality care that allows them to make regular doctor visits and access specialists, tests and medications as needed (Kaiser Family Foundation, 328). This approach is similar to the preventive care practiced in countries like Great Britain; essentially it is more beneficial for both the doctor and the patient to treat any conditions before they get out of hand.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Although the Massachusetts health care reform has proved to make significant improvements, like any other reform it has its downsides which may lead people to focus on the inequities and overlook the success. For instance many Massachusetts residents believe that more education about key aspects of the health reform would help better understand how the programs work. Residents are specifically interested in income limits to qualify and how to apply for coverage (Kaiser Family Foundation, 331). It is expected that citizens have questions about newly implemented programs and that they may not understand specific medical, political or economic jargon, but this is not a major concern because education can be easily provided. On the other hand, some would argue that the high cost of this plan is indeed a significant problem which must be addressed; nevertheless Massachusetts legislators are aware of the cost and are working to stabilize the finances. Firstly, they want a new payment of method that rewards prevention and effective control of chronic disease instead of paying according to the quantity of care provided. Secondly, the commission is looking to reimburse physicians for episodes of care rather than individual visits. Health experts agree that if Massachusetts is able to implement this changes, it will be as "audacious an achievement as universal healthcare" (Sack, 334-336).</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><a href="http://2.bp.blogspot.com/-Jv0He4DeYy0/UBnwYtRJLGI/AAAAAAAAAgY/rSaOTQMdWM4/s1600/Ameria02.jpeg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" height="213" src="http://2.bp.blogspot.com/-Jv0He4DeYy0/UBnwYtRJLGI/AAAAAAAAAgY/rSaOTQMdWM4/s320/Ameria02.jpeg" width="320" /></a>Today, the future of president Obama's Patient Protection and Affordable Care Act is somewhat uncertain. Republicans want to repeal it and skeptics argue that it is not going to solve the existing problems. Although this reform promises desirable aspects like overall coverage and cost reductions, the results are solely based on projection, making it difficult to guarantee that it is going to be successful. The Massachusetts health care plan has already been implemented and proved to create significant improvement. Essentially this model presents an effective alternative for health care reform and it celebrates the values of anti-statism by allowing states to make their own decisions.</div><div style="text-align: justify;"><br />
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</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-33359632158816215182012-07-18T21:13:00.000-07:002012-08-01T21:13:59.934-07:00Our Health Care System Crisis<a href="http://1.bp.blogspot.com/-1H442stLhhk/UBn9b5SvN5I/AAAAAAAAAg4/YIhZmUnyCgk/s1600/crisis01.jpg" imageanchor="1" style="clear: left; display: inline !important; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="212" src="http://1.bp.blogspot.com/-1H442stLhhk/UBn9b5SvN5I/AAAAAAAAAg4/YIhZmUnyCgk/s320/crisis01.jpg" width="320" /></a><span style="text-align: justify;">The political struggle continues over the health care system and what will finally evolve after congregational action. The house voted to repeal the healthcare reform bill and to start all over on initiatives that will target the problems in the healthcare industry with fiscally responsible actions. The senate so far has held the party line and supports the current law. Many states are challenging the constitutionality of the law and the mandate for everyone to purchase health care insurance. The constitutionality of this law will probably be decided in the supreme court.</span><br />
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</div><div style="text-align: justify;">No matter what happens in this next round of political shenanigans it is still your health that is on the line. The new system will not help you from getting sick, only you can control your own wellness.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">With the great controversy raging in the nation over what direction our health care system is going to take it is critical that we as individuals begin taking responsibility for our own wellness. If we don't take personal responsibility for our own health we may end up relying on a government or private system that can not or will not be able to support our specific problems.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The current direction of our congressional leaders is to mandate that 20-30 million people who do not currently have health insurance must by law have health insurance or face a fine. Legislation mandates that insurance companies must make health insurance available to those individuals. There is currently a projected shortage of doctors and the addition of 20-30 million more people will surely result in rationing of care. Some states that have implemented such legislation, such as Massachusetts, are already experiencing unusually long waits to get an appointment with a doctor.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">As a nation we are in terrible health. Our youth are facing a medical crisis today that often did not appear until middle age. Those in middle age are suffering from chronic degenerative diseases that our parents did not have until the later stages in life. Our elderly population suffers from those same degenerative diseases including macular degeneration, Alzheimer's dementia and Parkinson's disease. Why are we having an epidemic of obesity, onset (type 2) diabetes and degenerative diseases? Why can't we do a better job of preventing disease instead of just treating it once it is discovered?</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">What can we do proactively to ensure that we are doing the very best we can for our bodies? Has the medical community provided us with the all the facts we need to know? What is the real story on how our bodies function and is there anything we can do to ensure they have the capability to fight and win the war against degenerative diseases?</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><a href="http://2.bp.blogspot.com/-L2IOuJx5crU/UBn9cldz_HI/AAAAAAAAAhA/H5d8xAGlOfI/s1600/crisis02.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" src="http://2.bp.blogspot.com/-L2IOuJx5crU/UBn9cldz_HI/AAAAAAAAAhA/H5d8xAGlOfI/s1600/crisis02.jpg" /></a>Our health care system is under attack and may not be able to provide for us when we really need it. For too long we have depended on the health care system to tell us through early detection what is ailing us. What that really means is that until we show symptoms of a disease the medical community has not been trained to help us. Often that discovery comes too late and we end up in the health care system being treated with solutions designed to cure or mask our disease or to keep us alive while we suffer the ravages of the disease. Wouldn't it be easier to look for solutions to keep us healthy in the first place? Real preventative medicine would focus on preventing disease not just discovering it, what a novel concept to reduce the strain on our health care system, help people not get sick. Emerging medical science has discovered the intricacies of our bodies' immune system and reports that keeping the immune system strong and healthy significantly reduces our risk of illness.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">I believe that through proper investigation and study we can find ways to remain healthy longer. Educating the average person on what the emerging science is finding out about the intricacies of our bodies will reap great rewards, not only for our health care costs but for the individual as well. I am going to dedicate my efforts in researching the medical literature to make a case for preventive health care. We must learn how to optimize our health, the quality of the rest of our lives depend upon it!</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Look for my next article where I will look at some science based recommendations for beginning your own preventive health care regiment. Visit my blog for information on preventive medicine and the latest health studies.</div><div style="text-align: justify;"><br />
</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-32252616904575115772012-06-16T00:44:00.000-07:002012-06-16T00:44:22.550-07:00New Health Care System: A New Path<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-IE1v5tKxROA/T9w494h0zfI/AAAAAAAAAfo/ebzzzuUzQA4/s1600/G.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-wvmqIIiksMI/T9w4-5AVidI/AAAAAAAAAfw/irUb0H1NbqU/s1600/GG.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://3.bp.blogspot.com/-wvmqIIiksMI/T9w4-5AVidI/AAAAAAAAAfw/irUb0H1NbqU/s320/GG.jpg" width="320" /></a></div><div style="text-align: justify;"><a href="http://3.bp.blogspot.com/-IE1v5tKxROA/T9w494h0zfI/AAAAAAAAAfo/ebzzzuUzQA4/s1600/G.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a>We have been discussing a completely new national medical information system set up solely in the best interest of the public and the individual that would completely change health care as we know it today. Compared to the present high levels of disease the degree and type of results we are discussing in the proposed system seem almost unreal. A major reason for such radical change is that computer technology, as applied to preventative medicine, has been effectively bypassed for the past several years. Technology is now in the position to provide for a very rapid ketch-up in that area. We will likely see dramatic advancements in preventative medicine as seen in the 70s and 80s when electronics was first applied to the health care field, primarily in machines and tools--such as cat--scans and operating tools and similar equipment.<br />
<br />
<a href="http://3.bp.blogspot.com/-IE1v5tKxROA/T9w494h0zfI/AAAAAAAAAfo/ebzzzuUzQA4/s1600/G.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-IE1v5tKxROA/T9w494h0zfI/AAAAAAAAAfo/ebzzzuUzQA4/s320/G.jpg" width="320" /></a>The core of the new health care system is based on clinical laboratory science (CLS) data. CLS and its critical relationship to the biochemical makeup of the human body and the great advantages that entails, providing an ideal mechanism on which to base a health care information system. Details of CLS and the bio-chemical makeup of the human body were discussed in the article titled "Your Health Care System: Critical Technology Sidetracked". For more information directly from the professionals of this valuable relationship click on the (18) link at the end of this article.<br />
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So when one decided that a large scale health care information system based on CLS is ideal, design-wise where do you go from there? Just how could such a system be designed to fully harness all of that vital health data. How do you convert that health information into improved human health--more specifically improved levels of wellness, and decreased levels of disease? Obviously it would require the use of the computer with some form of special data processing. The system would need the capacity to evaluate human health levels in general, relate those health levels in turn to an individual's health condition, to one's personal environment, and in turn relate that data to millions of other individual's results. This would be massive amounts of data requiring supercomputers.<br />
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The system that has been designed uses a powerful national research center that works in conjunction with 50 state diagnostic computer systems which you as an individual or a patient, would have access to. You could tap into the state diagnostic system with the use of a large profile pattern of clinical laboratory test results (likely 100 separate tests from one blood sample). It would provide you an extremely extensive health analysis as well as a means of intervention at levels almost unbelievable compared to today's limitations. In fact it would be so outstanding that at first it would likely seem more like science fiction than reality.<br />
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This is a highly sophisticated medical information system intentionally designed around the sole interests of the public and the individual, not the medical industry. Because of its effectiveness in the radical reduction in disease levels and its related reduction in health care costs, it would very unlikely ever receive any support from the medical industry. In fact, for the sake of both its effectiveness and integrity, the new system would need to be legislated in existence and controlled by the public through a public commission.</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-74244816856002283282012-04-04T00:17:00.001-07:002012-04-04T00:17:19.861-07:00An American Universal Health Care System<div style="text-align: justify;"><b>Health Care System Needs Reform, Not a Government Takeover</b><br />
<br />
<a href="http://2.bp.blogspot.com/-BaxUji2eWUA/T3vzb4frcjI/AAAAAAAAAQI/IEhGpXs2HKE/s1600/america03.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="200" src="http://2.bp.blogspot.com/-BaxUji2eWUA/T3vzb4frcjI/AAAAAAAAAQI/IEhGpXs2HKE/s200/america03.jpg" width="132" /></a>Believe it or not, America boasts some of the world's best doctors, the most advanced health care system, and the most technically superior resources in the world, bar none. Those who travel globally and have gotten sick know that their first choice for treatment would be in the U.S. Though health care in America is, more expensive than any other country, many of the worlds wealthiest come to the U.S for surgical procedures and complex care, because it holds a worldwide reputation for the gold standard in health care.<br />
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To examine the complex health care issue, a small research study was conducted from randomly selected doctors in a best doctors database. We ask 50 top doctors, located in different states and who practice different specialty fields, " Is a universal health care plan good for America?" Forty-eight of these doctors essentially responded that it was a "bad idea" that would have negative impacts on the quality of our nation's health care.<br />
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<b>Social Engineering Medicine</b><br />
<br />
<a href="http://3.bp.blogspot.com/-2rnydcTiJvY/T3vzZU-Z0iI/AAAAAAAAAP8/Gtm5_HosLx8/s1600/america01.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="133" src="http://3.bp.blogspot.com/-2rnydcTiJvY/T3vzZU-Z0iI/AAAAAAAAAP8/Gtm5_HosLx8/s200/america01.jpg" width="200" /></a>One of the greatest mis-conceptions some people have relied on with regard to the health care debate is that, given a universal health care system, every person in the U.S. would receive the highest quality health care - the kind our nation is renowned for and that we currently receive. However, unlike some public amenities, health care is not a collective public service like police and fire protection services, therefore the Government cannot provide the same quality of health care to everyone, because not all physicians are equally good orthopedic surgeons, internists, neurosurgeons, etc, in the same way that not all individuals in need of health care are equally good patients.<br />
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<a href="http://2.bp.blogspot.com/-0DCx9W8lixE/T3vzafiXr7I/AAAAAAAAAQE/ShijXnF5olE/s1600/america02.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="142" src="http://2.bp.blogspot.com/-0DCx9W8lixE/T3vzafiXr7I/AAAAAAAAAQE/ShijXnF5olE/s200/america02.jpg" width="200" /></a>As an analogy - stay with me - when you design a software program, there are many elements that are coded on the back-end, and used to manipulate certain aspects of the software program, that your average "John Doe" who uses the software (the end user) does not understand or utilize, nor do they care about these elements. Certain aspects of the program are coded, so that when one uses that portion of the program, other elements of the program are manipulated and automatically follow the present or next command.<br />
<br />
Likewise, once a universal care plan is implemented in America and its massive infrastructure is shaped, private insurance companies will slowly disappear, and as a result, eventually patients will automatically be forced to utilize the government's universal health care plan. As part of such a system, patients will be known as numbers rather than patients, because such a massive government program would provide compensation incentive based on care provided, patients would become "numbers," rather than "patients." In addition, for cost savings reasons, every bit of health information, including your own, will be analyzed, and stored by the Government. What are the consequences? If you're a senior citizen and need a knee replacement at the age of 70, the government may determine that you're to old and it's not worth the investment cost, therefore instead of surgery, you may be given medication for the rest of your life at a substantial cost savings to the government, and at a high quality of life price to you.</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-48113070642449209222012-03-24T19:34:00.002-07:002012-03-24T19:34:39.643-07:00Editing your photographs with unique photo effects<div style="text-align: justify;"><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><!--[endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> </m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac></div><div> </div><div class="MsoNormal" style="text-align: justify;"><span style="font-size: 12pt; line-height: 115%;">Editing photographs might something difficult for some people. Moreover, it is difficult for those who do not have any skill to edit photo with any software editor. However, you do need to worry because there is an </span><a href="http://en.picjoke.net/tag/Animations"><span style="font-size: 12pt; line-height: 115%;">online photo animation</span></a><span style="font-size: 12pt; line-height: 115%;"> available on the internet. You can edit your photos by simply giving them any effect that you like. One of the examples of the effects is </span><a href="http://en.picjoke.net/effect/183"><span style="font-size: 12pt; line-height: 115%;">photofunia birthday frames</span></a><span style="font-size: 12pt; line-height: 115%;">. You can edit your pictures as if you are in the amazing birthday party. Or if you like to make it more interesting you can try </span><a href="http://en.picjoke.net/tag/Magazine+covers"><span style="font-size: 12pt; line-height: 115%;">free magazine cover making software</span></a><span style="font-size: 12pt; line-height: 115%;"> to edit your photographs.</span></div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-4500054435864682052012-03-21T07:31:00.000-07:002012-03-21T07:31:07.601-07:00Find the Best Scar Treatment Only at Saveritemedical.com<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12pt;">It will never be comfortable to have scars in the body, especially for women, because it will make their smooth skin looks very horrible with the scars. That is why the best treatment should be given in order to get rid of the scar very well. <a href="http://www.saveritemedical.com/product/cica-care-adh-gel-sheet-4-3-4in-x-6in-w-instructions.html" target="_blank"><span style="color: blue;">cica care scar treatment gel sheet</span></a> is one of the best treatments that are offered to people these days to get rid of their scars very easily and very quickly. This kind of treatment is very easy to be used, and you do not need to get some expensive treatments from surgery only to get rid of your car, because this treatment can get rid of the scar very effectively and efficiently. </span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;"><br />
<span style="font-family: "Times New Roman","serif"; font-size: 12pt;"> To be able to get this kind treatment, you are suggested to ask for prescription from the doctor first. However, you do not need to do it now, because you can get this kind of treatment directly from the internet. Yes, there are a lot of online pharmacies that offer you this kind of scar treatment, and <span style="color: blue;">saveritemedical.com</span> is one of the most recommended online pharmacies where you can get this scar treatment easily. Here, you will be offered with various medicine and medical products with very affordable price too.</span></div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-38730640193709513412012-03-16T09:20:00.001-07:002012-03-16T09:20:39.399-07:00An American Universal Health Care System<div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-gIeeXhVJl7k/T2Nnv-_uMgI/AAAAAAAAALc/VwaOg03rhFg/s1600/dbac4_healthy_families_health_care_5537581036_6422d2f868.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="266" src="http://4.bp.blogspot.com/-gIeeXhVJl7k/T2Nnv-_uMgI/AAAAAAAAALc/VwaOg03rhFg/s400/dbac4_healthy_families_health_care_5537581036_6422d2f868.jpg" width="400" /></a></div><div class="separator" style="clear: both; text-align: center;"></div><div style="text-align: center;"><i><b> An American Universal Health Care System</b></i></div><br />
<b>Health Care System Needs Reform, Not a Government Takeover </b></div><div style="text-align: justify;"><a href="http://3.bp.blogspot.com/-yn84KOSaZ_0/T2Nm5ng53zI/AAAAAAAAAK8/B7JSO9OJp2I/s1600/amerika.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="http://3.bp.blogspot.com/-yn84KOSaZ_0/T2Nm5ng53zI/AAAAAAAAAK8/B7JSO9OJp2I/s320/amerika.jpg" width="320" /></a>Believe it or not, America boasts some of the world's best doctors, the most advanced health care system, and the most technically superior resources in the world, bar none. Those who travel globally and have gotten sick know that their first choice for treatment would be in the U.S. Though health care in America is, more expensive than any other country, many of the worlds wealthiest come to the U.S for surgical procedures and complex care, because it holds a worldwide reputation for the gold standard in health care.</div><div style="text-align: justify;">To examine the complex health care issue, a small research study was conducted from randomly selected doctors in a best doctors database. We ask 50 top doctors, located in different states and who practice different specialty fields, " Is a universal health care plan good for America?" Forty-eight of these doctors essentially responded that it was a "bad idea" that would have negative impacts on the quality of our nation's health care.</div><div style="text-align: justify;"><b>Social Engineering Medicine</b></div><div style="text-align: justify;"><a href="http://3.bp.blogspot.com/-qshvkMuK4lo/T2Nm7Sv32TI/AAAAAAAAALE/oyo4TxOpzC4/s1600/pic-UComm.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="136" src="http://3.bp.blogspot.com/-qshvkMuK4lo/T2Nm7Sv32TI/AAAAAAAAALE/oyo4TxOpzC4/s320/pic-UComm.jpg" width="320" /></a>One of the greatest mis-conceptions some people have relied on with regard to the health care debate is that, given a universal health care system, every person in the U.S. would receive the highest quality health care - the kind our nation is renowned for and that we currently receive. However, unlike some public amenities, health care is not a collective public service like police and fire protection services, therefore the Government cannot provide the same quality of health care to everyone, because not all physicians are equally good orthopedic surgeons, internists, neurosurgeons, etc, in the same way that not all individuals in need of health care are equally good patients.</div><div style="text-align: justify;">As an analogy - stay with me - when you design a software program, there are many elements that are coded on the back-end, and used to manipulate certain aspects of the software program, that your average "John Doe" who uses the software (the end user) does not understand or utilize, nor do they care about these elements. Certain aspects of the program are coded, so that when one uses that portion of the program, other elements of the program are manipulated and automatically follow the present or next command.</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-305132874652094812012-02-08T06:39:00.000-08:002012-02-08T06:39:49.515-08:00Business Loans – Great Choice to Get Cash Fast for Your Business<!--[if gte mso 9]><xml> <o:OfficeDocumentSettings> <o:RelyOnVML/> <o:AllowPNG/> </o:OfficeDocumentSettings> </xml><![endif]--><!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--> <m:smallfrac m:val="off"> <m:dispdef> <m:lmargin m:val="0"> <m:rmargin m:val="0"> <m:defjc m:val="centerGroup"> <m:wrapindent m:val="1440"> <m:intlim m:val="subSup"> <m:narylim m:val="undOvr"> </m:narylim></m:intlim> </m:wrapindent><!--[endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;"></span></b><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;">Getting cash in a short time to a variety of urgent needs may indeed be a difficult thing to do. However, the problem is not impossible to get a settlement. Nowadays, the various lenders that offer loan services can provide an opportunity to earn cash with more ease. Loans are available are also very diverse ranging from <span style="color: red;">personal loan</span>, </span><a href="http://www.ezunsecured.com/"><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;">Business Loans</span></a><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;">, or other. Each of these loans has their uses and shares each. <span style="color: red;">Small business loan</span> can be an option for small businesses to get cash in accordance with their needs. Payment periods and interest rates offered also vary. For a variety of personal needs, you can choose <span style="color: red;">unsecured personal loans</span> as this will make it easier for you in the process of filing. You do not need to prepare the various files or documents as collateral if you choose <span style="color: red;">unsecured loans</span>. </span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Calibri","sans-serif"; font-size: 12pt;"><br />
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You just need to get an internet connection. </span></div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-30998348238978453902012-01-13T07:29:00.000-08:002012-01-13T07:30:11.927-08:00Get the Your Favorite Dildos only at Hotgvibe.com<div style="text-align: justify;"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:trackmoves/> <w:trackformatting/> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:donotpromoteqf/> <w:lidthemeother>EN-US</w:LidThemeOther> <w:lidthemeasian>X-NONE</w:LidThemeAsian> <w:lidthemecomplexscript>X-NONE</w:LidThemeComplexScript> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> 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mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--></m:defjc></m:rmargin></m:lmargin></m:dispdef></m:smallfrac></div><p class="MsoNormal" style="margin-bottom: 0.0001pt; line-height: normal; text-align: justify;"><span style="font-size: 12pt; color: rgb(34, 34, 34);"><span style=""></span>Sometimes, it is very difficult for people to achieve orgasm easily. 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Some dildos are made exactly the same like men’s penis, so that you will feel like you are making out with the real penis. </span></p>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-12484025705906435212012-01-06T11:13:00.000-08:002012-01-06T11:16:00.553-08:005 Characteristics Health Care Systems Need to Move From Uncertainty to Possibility<div style="text-align: justify;" id="article-content"> <p>Health care systems are undergoing significant changes that will require innovative and skilled leaders. In fact, integrated teams are being formed and piloted to provide quality patient care at a reduced cost. Accountable care organizations and medical home models are just some of the models being discussed to improve quality and reduce the cost of health care. Which model should you implement to position your organization for the future? Each model requires investment of resources. In fact, how payments will be bundled is still being determined. Since there is uncertainty in how health care will look in the future, medical systems must develop a culture and strategy that is flexible to move with the changing directions. Health care organizations that possess the following characteristics will be able to flex with the uncertain environment.</p><p><b>Agility</b></p><p>The agile organization has a chance to be able to met the challenges of the uncertain future. Health care organizations must transform into an agile and responsive team capable of winning in today's complex and ever-changing marketplace. The organization must find the right balance between efficiency and responsiveness. Systems that are agile will reap the rewards of not just surviving, but thriving in today's very challenging global health care and business environment. 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Experimental innovative programs are developed by empowered teams. Diverse perspectives from teams can develop creative solutions to meet the challenges of the difficult health care environment. Empowered teams must be developed.</p><p><b>Integrated Teams</b></p><p>Integrated teams will have a significant role in the future of medical organizations. Integrated teams will coordinate the care of patients across clinical specialties. Many of the integrated teams will be hospital based. In fact, the trend has been to employ more physicians into hospital based teams. Developing integrated teams will not happen over night. Integrated teams can position organizations to streamline processes and improve patient outcomes. Since patient outcomes may be a criteria for reimbursements, integrated teams will provide flexibility to organizations.</p><p><b>Information Technology</b></p><p>Information Technology is critical to the success of health care organizations. IT systems are essential to capture data that will improve clinical quality and reduce costs. Electronic medical records are critical to coordinating patient care and monitoring outcomes. Investment in this technology will move organizations forward to be a player in the competitive health care environment.</p> </div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-70992422982734601522011-12-16T07:45:00.000-08:002012-01-06T11:01:19.583-08:00Capitalism, Dignity and The Health Care System<div style="text-align: justify;">A relative of mine underwent surgery and it allowed me to revisit the horror that is the Romanian medical system and in particular the Romanian medical Man.<br /><br />The hospital is not as dirty as I remembered it, so things must be getting better, but the kind of person you see employed there is about the same.<br /><br />To me, Capitalism is an Arena. It's the Great Arena. It's the place where the strong show their strength. It's wonderful!<br /><br />But wounded or sick people don't fight into an arena. Nor old people, nor children. There are rules and there must be some Esthetic to the fight. We need a safety net for these people because if you are sick and society fixes you up, you might return into the Arena and bring value into the world.<br /><br />There is a lot of bribing going on in the Romanian National health care system and bribing means a severe lack of Dignity.<br /><br />It's not just patients that lose their dignity, it's everyone involved.<br /><br />The patient is an insured person that shouldn't have to pay a thing: the State takes a percentage from every salary for healthcare. It's with great hypocrisy that people are expected to bribe the doctors too as well as buy their own medical supplies. Yes, the patient is sent next door to the pharmacy to buy what's needed for the surgery!<br /><br />Bribing is by definition a very hush-hush thing even if it happens at such a large scale: patients don't even know how much to give to whom, when and how many times. It is a great demeaning ambiguity.<br /><br />But doctors don't have it any better. The same ambiguity makes them lose dignity too. I've seen the same doctor visit the patient about 4 times for nothing, just because he hadn't received his bribe yet. When the money entered his pocket, he was finally able to do something else. This is the life of a beggar.<br /><br />Doctors must not be thinking about financial gains. A good salary combined with the general respect doctors have should provide a nice life for them.<br /><br />Capitalism seems mostly incompatible with the medical profession. You cannot have a homo homini lupus situation where a weaker person which is not in the best shape will have to just trust somebody that's actually thinking about financial gains. People should be able to stand tall and look in each-other's eyes.</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-42763090061968042682011-07-28T02:33:00.000-07:002012-01-06T11:02:46.844-08:00The Right Health Insurance Policy If You’re Single<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-p_omJRhc2tE/TjEswEWUPVI/AAAAAAAAAOE/vvNNUAPBktE/s1600/3827538676_f110e26709%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="the right health insurance policy if you’re single" src="http://3.bp.blogspot.com/-p_omJRhc2tE/TjEswEWUPVI/AAAAAAAAAOE/vvNNUAPBktE/s320/3827538676_f110e26709%255B1%255D.jpg" border="0" height="213" width="320" /></a></div><div style="text-align: justify;">It can be much easier to choose the right <a href="http://health-insurance-companies-news.blogspot.com/">health insurance</a> policy if you’re single, as there’s only your own needs to think about. Many single people who are in good health assume that they can get away without private health insurance, but this can be costly if an accident or illness means that you need medical treatment.<br /><br /><br /><a name="more"></a><br /><br /><br />Taking out hospital cover is recommended in case you need medical treatment. As a private patient, you can choose to be treated in a private hospital and don’t have to wait for a public hospital bed to become free. You can also have much greater control over the doctor who treats you and when your treatment takes place.<br /><br />Beyond this, you’ll get the most out of your health insurance if you choose extras that suit your circumstances. For example, you probably won’t have any use for pregnancy-related services if you’re a happily single female and actively avoiding falling pregnant. Likewise, young single individuals won’t see the need for extras aimed at older people, such as joint replacements and cataracts cover. You can lower your premiums by some margin depending on what you’re choosing to drop.<br />Lifetime Health Cover (LHC)<br /><br />If you’re under 31, now is the time to take out private hospital cover. Through the LHC initiative, you can lock in the cheapest premiums for life if you take out private hospital cover before the 1st of July following your 31st birthday. After that, you’re subject to a 2 per cent loading fee on top of your premiums for every year that you delayed beyond you were thirty, so it’s in your interests to take it out as soon as possible to minimise your loading fees or to avoid them altogether. If you look to take out couples cover further down the line, your loading fees are factored in with your partner’s, so if you have low loading or none at all, your combined loading fees would be more manageable.<br />Medicare Levy Surcharge (MLS)<br /><br />If you have an income of over $80,000 in the 2011-12 financial year (up from $77,000 for the 2010-11 financial year) and haven’t got private hospital cover with a registered health fund, you’ll be obliged to pay an additional tax in the form of a Medicare Levy Surcharge. The threshold for single individuals changes to $80,000 for the 2011-12 financial year, so you can earn up to this and still avoid the MLS. Private health insurance is definitely something that you should be looking into if you don’t already have it – not just for avoiding the extra tax!<br /><br />Many single people don’t feel they need private health insurance, especially if they’re generally fit and healthy, but this can be a mistake. If you find yourself ill or injured and needing medical treatment, with only your own income to rely on, could you afford to meet the often eye-watering bills associated with shortfalls that Medicare alone doesn’t cover?<br /><br />There are also other financial reasons to arrange private health insurance (especially private hospital cover) while you’re still young as both Lifetime Health Cover and the Medicare Levy Surcharge are intended to encourage you to sign up with a health fund rather than rely soley on the public healthcare syste</div>Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-91396427991970435262011-07-28T02:25:00.000-07:002012-01-06T10:57:27.248-08:00You need to exhaust your PIP benefits before your health insurance kicks in<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/-D8Hp1wbk8FI/TjEqQKvnRtI/AAAAAAAAAOA/oWnr3vDZY3M/s1600/Leg-in-Cast-300x200%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="You need to exhaust your PIP benefits before your health insurance kicks in" border="0" src="http://4.bp.blogspot.com/-D8Hp1wbk8FI/TjEqQKvnRtI/AAAAAAAAAOA/oWnr3vDZY3M/s1600/Leg-in-Cast-300x200%255B1%255D.jpg" /></a></div>If you’re involved in a motor vehicle accident, it’s important to understand the relationship between your PIP (personal injury protection) and health insurance.<br /><a name='more'></a><br /><br />PIP is your primary coverage as it pays 100 cents on the dollar for your health care – <a href="http://health-insurance-companies-news.blogspot.com/">health insurance </a>does not. You need to exhaust your PIP benefits before your health insurance kicks in. Once your PIP runs out, provide your health insurance carrier with an “exhaustion letter.” This basically explains that there is no more PIP coverage left and your health insurance needs to start covering your medical bills.<br /><br />The process of dealing with PIP vs. health insurance carriers is daunting – especially in the aftermath of an accident that caused you injury. But following these steps will save you a lot of headache down the road:<br /><br />1. Immediately following the accident, provide your PIP information to your health care providers.<br /><br />2. Every few weeks, request a copy of the PIP ledger from your auto carrier to see how much PIP coverage you have left.<br /><br />3. Once you are approaching your PIP limits, provide your health care providers with your PIP ledgers so they can start billing your health insurance carrier.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-44281429448444981742011-07-28T02:18:00.000-07:002012-01-06T10:57:27.248-08:00Arranging health insurance as a couple can be a challenging proposition<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-cMnXJ_arpCc/TjEpX-FIyTI/AAAAAAAAAN8/fh1gBlR9AeQ/s1600/couple-holding-hands%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="213" src="http://3.bp.blogspot.com/-cMnXJ_arpCc/TjEpX-FIyTI/AAAAAAAAAN8/fh1gBlR9AeQ/s320/couple-holding-hands%255B1%255D.jpg" width="320" /></a></div>Arranging <a href="http://health-insurance-companies-news.blogspot.com/">health insurance</a> as a couple can be a challenging proposition as there are two sets of needs being taken into consideration when deciding how extensive your coverage should be. Here’s what you need to know if you’re thinking about taking health insurance as a couple.<br /><a name='more'></a><br /><br /><br /><br />There is less hassle involved in comparison to taking out two separate singles policies. You’ve only got the one policy to manage with one set of premiums and if a claim needs to be made, you only need to do this on the one policy. Because these type of policies are aimed directly at couples, you can make savings in comparison to both having policies that lean more towards individuals.<br /><br /><b>Lifetime Health Cover</b><br /><br />Lifetime Health Cover (LHC) allows you to lock in base rate premiums if you take out private hospital cover before July 1st following your 31st birthday (otherwise known as your base date). If you take out private hospital cover after this, loading fees of 2 per cent are added onto your premiums. As a couple, the situation can be complicated if both partners have different LHC loadings:<br /><br />If only one partner has had continuous hospital cover since their base date (and the other has LHC loading)<br /><br />Your combined premiums will work out as an average between the base rate premium and the LHC loading. For example, if one of you has no LHC loading but one of you has a LHC loading of 4 per cent, your premiums as a couple will average out at 2 per cent.<br /><br /><b>If both partners have LHC loadings</b><br /><br />If you’ve both got LHC loadings, your premiums are the average of the two loadings. For example, if you have a loading of 4 per cent while your partner has a loading of 6 per cent, your combined loading will be 5 per cent.<br /><br />If you’ve both taken out private hospital cover before your base date, you can often still switch to couples insurance without compromising your base rate premiums.<br />The Medical Levy Surcharge & The Rebate<br /><br />Most Australian taxpayers pay a 1.5 per cent Medicare levy but if you’re a higher earner who hasn’t arranged hospital cover with a registered health fund , you’re also subject to an additional Medicare Levy Surcharge (MLS). The income threshold for the 2010/11 financial year was $154,000 for couples or families and will change to $160,000 for the 2011/12 financial year. The surcharge was previously set at 1 per cent but in line with plans to means-test both the MLS and the health insurance rebate from July 2011, both will operate on a sliding scale.<br /><br />For couples/ families who have a joint income of below $150,000, the 30 per cent rebate should be unaffected (35 per cent for those aged 65-69 and 40 per cent if you’re over 70) and you won’t pay an MLS charge.<br />For couples/families who earn between $150,001 and $180,000, the rebate decreases to 20 per cent (25 per cent for those aged between 65 and 69 and 30 per cent for those over 70) and the MLS charge is 1 per cent.<br />For couples/families who earn between $180,001 and $240,000, the rebate decreases to 10 per cent (15 per cent for those aged between 65 and 69 and 20 per cent for those over 70) and the MLS charge is 1.25 per cent.<br />For couples/families who earn over $240,000, no rebate will be on offer and the MLS charge is 1.5 per cent.<br /><br />If the proposed changes to the MLS make you think twice about taking out hospital cover or keeping your existing cover, think about the potential downsides if you do drop your hospital cover. Private health insurance has several key benefits that you may well miss if you ditch it. It’s much more extensive than Medicare benefits alone, has shorter waiting times attached and doesn’t require you to wait around for a bed to become available in a public hospital.<br />If You’re Planning a Family<br /><br />Bear in mind that most health funds impose a 12-month waiting period before you can access the benefits so it’s no good waiting until you’re pregnant before you look for appropriate coverage. If you start your search some time before you think you’ll need the cover, there’s a good chance that you’ll have already served out your waiting period and will be able to access the full benefits.<br /><br />It may be better to switch to family cover after a first pregnancy is confirmed so that the baby is covered after the birth. For some health funds, you may need to have been paying premiums for family cover for several months prior to the birth to ensure that this will definitely be the case but check with your health fund to confirm their position.<br /><br />If you’re planning to start a family in the not-so-distant future, there may be other things to take into consideration when choosing your health insurance policy.<br /><br />If you’re a cohabiting couple, it can be cheaper to arrange couples insurance that features both of you on the same policy. For hospital cover, Lifetime Health Cover loadings can complicate how much you’ll pay if you’ve waited beyond your base date to take it out. If you’ve yet to take out hospital cover at all, the Medical Levy Surcharge is intended as a big incentive for couples in the higher earning brackets as it enables you to avoid the additional tax.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-77165960143379628912011-06-23T08:46:00.000-07:002012-01-06T10:57:27.249-08:00Tips to Find Free Kids Health Insurance in Florida<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-NE1qr5tZF-o/TgNfdQEjpuI/AAAAAAAAAMc/37_s6Iejb6E/s1600/chen_480%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Kids Health Insurance" border="0" height="240" src="http://3.bp.blogspot.com/-NE1qr5tZF-o/TgNfdQEjpuI/AAAAAAAAAMc/37_s6Iejb6E/s320/chen_480%255B1%255D.jpg" width="320" /></a></div>If you are looking for free Florida <a href="http://health-insurance-companies-news.blogspot.com/">health insurance</a> for your children, you will be please to learn 3 ways to find free kids health insurance in Florida. Many states offer complimentary <a href="http://health-insurance-companies-news.blogspot.com/search/label/kids%20health%20care%20system">healthcare for children </a>and the Sunshine State is no exception. It usually requires a little work to track down the information on these <br /><a name='more'></a>plans so a listing of 3 ways to find free kids health insurance in Florida is very valuable. Put this comprehensive list of 3 ways to find free kids health insurance in Florida to work now for you and your family.<br /><br />Tip #1<br /><br />Children's Medical Services Network is for children having special care needs. It is designed for children from birth to age 18 and is administered by two different state government departments, depending on if the care needed is behavioral or physical.<br /><br />Tip #2<br /><br />Florida Kidcare Medicaid program is completely free to children whose families fall under the income guidelines. It is for children from birth to the age of 18.<br /><br />Tip #3<br /><br />The third way is actually almost free, but the good news is many more families are eligible for it. Premiums are only $15 to $20 per month for most families. The programs are divided by age and are called Medikids for those from ages 1 to 4 and Florida Healthy Kids for those ages 5 to 18.<br /><br />Compare And Save To Find Cheap<br /><br />Kids Health Insurance In Florida<br /><br />Even if you know the 3 ways to find free kids health insurance in Florida, you may still want to check the rates being offered by various companies to make sure you are getting the most comprehensive coverage for your child.<br /><br />If you find that you are not eligible for any of the above, you definitely want to get quotes on Florida individual health insurance. It is surprisingly affordable, especially for kids. You can get quotes to compare in no time by using a free online quote tool from an independent comparison website.<br /><br />Get started comparing kids health insurance options today!<br /><br />Article Source: http://EzineArticles.com/1307549Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-79199316377830031972011-06-23T08:33:00.000-07:002012-01-06T10:57:27.249-08:00two-tiered healthcare system hurts kids<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-VCaqr453J34/TgNccSdY3dI/AAAAAAAAAMY/dsxKWsnGqtA/s1600/new_yorker_cartoon%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt=" two-tiered healthcare system hurts kids" border="0" height="293" src="http://1.bp.blogspot.com/-VCaqr453J34/TgNccSdY3dI/AAAAAAAAAMY/dsxKWsnGqtA/s320/new_yorker_cartoon%255B1%255D.jpg" width="320" /></a></div>At a legislative level, the political crusade to reduce government “to the size where they can drag it into the bathroom and drown it in the bathtub” is brilliantly self-sustaining. Both Republicans and conservative Democrats hold up the evils of “Big Government” (read: the non-military/security parts of government) as the rationale to reduce resources for popular programs and when those underfunded programs subsequently underperform, they cite the failure as reason to further demonize government, thus beginning the whole cycle anew.<br /><a name='more'></a><br /><br />This now-standard and now-bipartisan Neoliberal Formula is sophistry masquerading as tautology — and it has profound real world effects. The latest example of that truth comes from a new University of Pennsylvania report that exemplifies how the formula has helped embed an insipid “Separate and Unequal” doctrine within America’s healthcare system.<br /><br />Published in the New England Journal of Medicine, the Penn study had researchers pose as parents calling physician specialists in Cook County, Ill. The only variable in the calls was insurance status — some callers said they had public insurance, others said they had private insurance. Here’s what they found:<br /><br />Sixty-six percent of publicly-insured children were unable to get a doctor’s appointment for medical conditions requiring outpatient specialty care including diabetes and seizures, while children with identical symptoms and private insurance were turned away only 11 percent of the time… The study also found that [publicly]-insured children who received an appointment faced longer wait times to be seen. <br /><br />These numbers are particularly striking, said the Penn researchers, “given the association between socioeconomic disadvantage and poor health status” — an association which means kids covered by public insurance have a disproportionately greater need for specialty care than their privately insured counterparts.<br /><br />Whorush: 5 sites by this AdSense ID <br /><br />The connection between the Neoliberal Formula and kids being discriminated against on the basis of insurance type is rooted in reimbursement rates paid to physicians.<br /><br />As both parties have used anti-government arguments to slash taxes, public revenues have predictably dried up. With states under statutory obligation to balance their perpetually strapped budgets, Medicaid reimbursement rates have been regularly put on the chopping block in legislatures, creating ever-widening disparities between what physicians are paid by private insurance and what they are paid by public insurance. (For instance, in Illinois, where the study was conducted, researchers found “an office consultation visit for a problem of moderate severity is reimbursed at $99.86 by Medicaid-CHIP, whereas the average reimbursement for the same code by a commercial preferred-provider organization is approximately $160.”) Considering the ugly economics, it’s no surprise physicians are less eager to accept public insurance patients.<br /><br />Hence, the Separate and Unequal disparities — disparities that will likely be cited by Republicans in Washington as proof that public insurance programs are inherently bad and therefore need to be even further defunded. Indeed, the infamous Ryan Budget proposes big cuts to Medicaid and the Children’s Health Insurance Program that would likely result in further reductions in reimbursement rates.<br /><br />And so the cycle, the disparities and the Neoliberal Formula continue in perpetuity. As I said, it’s a brilliantly self-sustaining ideology, proving that in the era of paradox politics, self-sustaining and self-destructive often go hand in hand.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-53468914272174682272011-06-23T08:26:00.000-07:002012-01-06T10:57:27.249-08:00Reasons Health Insurance Companies Should Roll Back Rates<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/-lyx2VYLmr6I/TgNagEV3CjI/AAAAAAAAAMU/w2EJ4C3wYCs/s1600/Health-insurance-for-companies-2%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="health insurane companies" border="0" height="320" src="http://2.bp.blogspot.com/-lyx2VYLmr6I/TgNagEV3CjI/AAAAAAAAAMU/w2EJ4C3wYCs/s320/Health-insurance-for-companies-2%255B1%255D.jpg" width="304" /></a></div>Insurers, awash in billions of dollars in record profits and excess capital, should give consumers their money back<br /><br />The <a href="http://health-insurance-companies-news.blogspot.com/">health insurance</a> industry continues reporting record-setting profits while socking consumers with unjustified and excessive rate hikes. Today, Health Care for America Now (HCAN) called on the Wall Street-run health care profit machines to accelerate the consumer rebates required by the Affordable Care Act and immediately give back billions in premium overcharges to families and businesses.<br /><a name='more'></a><br /><br />Year after year insurance companies have imposed double-digit premium hikes on America's families and businesses to pay for their excessive profits and financial shell games.<br />The insurance companies say that their premiums reflect costs, but that's simply not true. Rates have gone up by an astounding 131% since 1999. That's twice the rate of medical inflation. It's also three times greater than wage growth, and it's busting family budgets and employer balance sheets.<br /><br />Fortunately the Affordable Care Act is changing things. Under a consumer protection provision in the new law, the Health and Human Services Department estimates that insurers will owe up to 9 million customers as much as $1.4 billion in 2011 rebates payable next year. The new rule - called the medical-loss ratio - sets a minimum percentage of premiums (80% for individual and small group plans and 85% for large group plans) that insurers spend on actual medical care instead of wasteful overhead, excessive profits and bloated CEO salaries. Companies that fall short of the minimums must rebate the money to consumers.<br /><br />Some insurers in California, Connecticut and North Carolina have already rolled backed rates, declared premium holidays or issued direct refunds. The rest of the industry should do the same nationwide.<br /><br />Here are five reasons why insurance companies can and should roll back rates now:<br /><br /><b>1. Insurance company profits have gone too far.</b><br /><br />Through the economic recession and its aftermath from 2008 to 2010, the combined profits for UnitedHealth Group Inc., WellPoint Inc., Aetna Inc., Cigna Corp. and Humana Inc. increased 51 percent.<br /><br />In the first quarter of 2011, the combined profits of the five companies, which cover one-third of the U.S. population, surged 14% to $3.6 billion. If the trend holds, they'll rake in a record $14.4 billion in profits in 2011.<br /><br /><b>2. Premiums are going up while medical spending is going down.</b><br /><br />Premiums have risen 131% since 1999 for families with employment-based insurance. America's Health Insurance Plans (AHIP), the insurance industry's mouthpiece, likes to blame customers for rising premiums. People who buy health insurance have the annoying habit of using it when they get sick. But premiums have increased at twice the rate of medical inflation.<br /><br />And, as a percentage, insurers are spending less of our premium dollars on actual medical care, and more on administrative costs like lavish CEO pay, marketing, lobbying, and the care-denial bureaucracy. The ratio of medical to administrative costs is known as the medical-loss ratio. In the first quarter of 2011, Cigna led the industry in finding ways to avoid covering actual health care - the share of premiums Cigna spent in the first quarter on medical care dropped to 77.3%, an extraordinary 5.6 percentage-point decline from 82.9% a year earlier. Aetna trimmed its health care costs from 81.1% of premium revenue to 77%. And Humana reduced its patient-care spending rate by 3.5 percentage points.<br /><br /><b>3. CEOs Spend Billions on Dividends and Stock Buybacks to Boost Share Prices and Enrich Themselves.</b><br /><br />Record profits and reduced health care spending don't tell the whole story. Insurance companies use other Wall Street tools to quietly direct customer cash into their own pockets. For instance, insurers bought back $1.8 billion in their own stock in the first quarter - a practice that reduces the number of shares available in the market and boosts stock prices.<br /><br />Since 2003, the five largest for-profit companies have allocated $66.9 billion in customer cash to buying back their own stock to reward insiders and Wall Street investors. So far this year, share prices for the five health insurers have risen 38% to 52%, compared to less than 3% for the broad market index. This benefits CEOs who hold large stakes in their own companies and who get bonuses, stock awards and stock options for guiding share prices upward. Buybacks do nothing to improve public health, make insurers more efficient or reduce premiums.<br /><br />The five big for-profit health insurers have been so profitable that they're shoveling it back to investors. WellPoint announced that it plans to pay $400 million in dividends this year, while UnitedHealth plans a dividend of $449 million and Aetna expects to pay $230 million.<br /><br /><b>4. Insurance companies hoard cash in the name of "solvency."</b><br /><br />In addition to excessive profits and stock buybacks, insurers have also been building massive capital reserves. On December 31, the nation's for-profit and nonprofit health insurance companies were holding $97.3 billion in risk-based capital to cover unexpected medical claims - six times more than state regulators require, according to Citigroup Global Markets.<br /><br /><b>5. While insurance companies are awash in cash, families and businesses are barely getting by.</b><br /><br />It's unconscionable that insurance companies continue to impose double-digit premium hikes on America's families and businesses to pay for their excess profits and financial shell games at a time when consumers and employers are struggling in this tough economy.<br /><br />At the end of this year, the new health law requires insurers to square up and pay us back for their excesses. But insurers shouldn't wait to give back our money. They should start paying consumers their rebates right now.<br />Source: http://www.huffingtonpost.com/ethan-rome/five-reasons-health-insur_b_882770.htmlMaduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-24684842568651612002011-05-06T09:53:00.000-07:002012-01-06T10:57:27.249-08:00Dental Insurance<div class="separator" style="clear: both; text-align: center;"><a href="http://1.bp.blogspot.com/-xswQYR99hyk/TcQnJr2kKMI/AAAAAAAAALg/bxmePcdoxpE/s1600/dental_assistant.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="212" src="http://1.bp.blogspot.com/-xswQYR99hyk/TcQnJr2kKMI/AAAAAAAAALg/bxmePcdoxpE/s320/dental_assistant.JPG" width="320" /></a></div><a href="http://health-insurance-companies-news.blogspot.com/search/label/dental%20insurance">Dental insurance</a> as part of your private health cover is a great way to offset the costs of your policy.<br /><br />To make the most of your dental insurance, you should have a preventative check up every 6 months. This will reduce the prospect of more costly treatments in the future as problems may be identified and treated whilst they are still small procedures.<br /><a name='more'></a><br />I'm looking for cover:<br />I live in:<br /><br />With the average cost of a 6 monthly preventative treatment around $200 for such procedures as check-ups, clean and polish and x-ray, having dental cover you could offset most if not all of this cost.<br /><br /><b>What type of cover do I need?</b><br /><br />There are two types of dental insurance<br /><br />* General dental - this type of cover includes cleaning, removal of plaque, x-rays and smaller fillings.<br />* Major dental - this type of cover includes cover for orthodontics/braces, wisdom teeth removal, crowns, bridges and cover for dentures.<br /><br />What type of cover you need will depend on your age and current situation. For young singles or couples you may only need general dental cover providing your are in good shape.<br /><br />Families or older couples you may want to consider major dental for the possibility of orthodontics/braces, wisdom teeth removal and dentures.<br />Free preventative dental care<br /><br />Some funds provide 'No GAP' dental services where you get free check-ups, cleans and fluoride treatments. Other funds have their own dental centres where you as a member get priority over the rest of the general public when it comes time to visit the dentist.<br /><br />To take advantage of these services or to inquire if your fund offers this 'No GAP' service, contact your health fund or ask an iSelect consultant.<br />What to look for in your private health insurance<br /><br />Private <a href="http://health-insurance-companies-news.blogspot.com/search/label/Health%20Insurance">health insurance</a> funds offer a range of extras policies. The basic level of extras policies cover general dental treatment only. The higher levels of extras policies includes coverage for both general and major dental treatments - the rebates payable on these levels of cover will vary.<br /><br />Selected health funds including some of iSelect's participating health funds can at times provide special offers to waive the two month waiting period for general dental insurance.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-15695799726729060222011-05-06T09:40:00.000-07:002012-01-06T10:57:27.250-08:00Insure Your Family’s Smile - Dental Health Insurance<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody><tr><td style="text-align: center;"><a href="http://4.bp.blogspot.com/-21m8oafEhys/TcQjib99rXI/AAAAAAAAALc/VbiUcRRc-cA/s1600/Affordable-San-Diego-health-insurance-and-dental-insurance%255B1%255D.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="Insure-Your-Familys-Smile-Dental-Health-Insurance.jpg" border="0" height="212" src="http://4.bp.blogspot.com/-21m8oafEhys/TcQjib99rXI/AAAAAAAAALc/VbiUcRRc-cA/s320/Affordable-San-Diego-health-insurance-and-dental-insurance%255B1%255D.jpg" title="Insure Your Family’s Smile - Dental Health Insurance" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Insure Your Family’s Smile - Dental Health Insurance</td></tr></tbody></table>The health insurance provider companies in US are also covering the dental part in there schemes. The dental health insurance is relatively new concept and it extensively covers up all the aspects of human teeth. There are specific providers but large enough to provide you the comparison in this relative new type of <a href="http://health-insurance-companies-news.blogspot.com/search/label/Health%20Insurance">health insurance</a>. You can opt for them online also. <br /><a name='more'></a>Do not worry about the rates as the rates are universal, irrespective of matter that from where you have buy it. The best place is online because it gives you the power to compare the plans of different providers at a click of a button.<br /><br />There are varieties of dental problems that are covered in a <a href="http://health-insurance-companies-news.blogspot.com/search/label/dental%20insurance">dental health insurance</a> plan. There are different reasons of visiting a dentist. You may go for a regular check-up or in emergencies like swelling or acute pain. May be in case of injuries as an outcome of accidents or serious problem like root removal. There is a facility called NHS but most people are not able to use it because the suitability criteria are really tough. So you have to go to a private clinic for all your dental problems. That is why the dental plans come in existence owing the heavy price tags associated with the private treatments. Under the dental plans, there are varieties of sub-plans which are specific to a particular job. These can be dental plans for children, tooth whitening plan, dental maintenance cover, dental implant cover, etc. these all are available with most of the leading providers in the market.<br /><br />Now see the online factor. There are lots of sites on net that pool the data about the plans provided by the different providers in the country. They have the complete detail about each and every plan and to that of each provider. As soon as you land up on their site you will get to know all the information along with the premiums as well. In this way you save a lot of time and money. There is management of US govt. over the health care system, soothe rates will be same irrespective of the buyer for a particular plan. You can compare all the things of the plans of your interest with the other plans side by side on the comparison sites. Now as you know the power of dental health insurance plan. Go and get your families smile covered.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-60428490657942361852011-05-05T07:19:00.000-07:002012-01-06T10:57:27.250-08:00I will release an OSX-focused IDE distributionI plan on releasing a NetBeans-based IDE distribution. Just as there are a whole bunch of Linux distributions, I believe there should be more IDE distributions.<br /><br />What I intend to focus on is OSX support since, although a lot of people use NetBeans on OSX, it always looked to me like it needs more polish.<br /><br />Native OSX integration is one of the reasons I wrote the <a href="http://www.nbnotify.com">NBnotify.com</a> plugin, which shows IDE notifications via Growl. And there are other areas where NetBeans needs to pay more attention to the way it does things in order to be in tune with OSX.<br /><br />I have many features in mind, but I'll leave you with just two low-level ones:<br /><br /><ul><li><b>Drag and drop installer</b><br /><br />The IDE should be available as a simple <code>dmg</code> which users just open and then drag and drop the application wherever they feel like it. You shouldn't need administrator rights just to install the application.<br /></li><li><b>Using proper OSX folders</b><br /><br />The <code>~/.netbeans</code> folder will go away entirely. There are some standard places to store caches, preferences and everything else on OSX, usually in the <code>Library</code> folder. The IDE should be a proper citizen and store data there so that users and helper tools know what it represents, which is important and which may be discarded if disk space is becoming an issue.<br /></li></ul><br />Of course, one of the high-level features would be Growl notifications for IDE events.<br /><br />So much for the first post talking about my IDE distribution. As I get closer to a release I might mention some of the other features.<br /><br />When is it going to be released? Well, sometime this year, but in order to be certain let's say you should expect it in your Christmas stockings.<br /><br />Why am I announcing it so early? Because I want to get some initial feedback about what people feel it's missing in their NetBeans IDE, either overall or specifically on OSX.<br /><br />Also, this is as a way to commit myself to a release. So, feel free to bother me as we approach the release date.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-57127138735342887012011-05-01T10:04:00.000-07:002012-01-06T10:57:27.250-08:00Cheap Health Insurance Made Easy<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/-Px_CmVe98q4/Tb2SBXM1LaI/AAAAAAAAALU/Y4nBCcA2ceA/s1600/ca388_cheap-health-insurance-plans%255B1%255D.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="257" src="http://3.bp.blogspot.com/-Px_CmVe98q4/Tb2SBXM1LaI/AAAAAAAAALU/Y4nBCcA2ceA/s320/ca388_cheap-health-insurance-plans%255B1%255D.jpg" width="320" /></a></div>Cheap <a href="http://health-insurance-companies-news.blogspot.com/">health insurance</a> has become the issue of the moment in South Carolina and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and state legislation that would <br /><a name='more'></a>allow small businesses to purchase cheap medical insurance in pools. In the meantime South Carolina and other states are looking to cut the costs of the Medicare and Medicaid health insurance programs for the elderly and the poor. However, more affordable forms of health insurance plans are available as some private companies are experimenting with a new variation of cheap health insurance known as health discount plans. In the article that follows we’ll explain the various aspects of cheap health insurance in South Carolina and how to find a plan that works for you.<br /><br /><b>Health Care Costs due to Managed Health Care</b><br /><br />The current health care system in America is inaccessible to approximately 47 million poor and lower middle class people. In order to address the growing health care insurance crisis in the U.S. that resulted in health care cost growth in the 1970s and 1980s, health maintenance organizations (HMOs) sprung up. These were initially as non-profit groups designed to separate unnecessary tests and treatments from those that the patient required in an effort to keep costs down. Managed care organizations began screening requested procedures by physicians to pre-authorize what the HMO would or would not cover. However, the number of people who are the riskiest to insure-diabetics, cancer, etc.-continues to rise. Many South Carolina managed care industry experts say the cost of cheap health insurance is still high because of the existing pool of insured people who use the health care system more than an average amount.<br /><br />The other battle that is ongoing in South Carolina involves the health insurance companies and hospitals, the latter which cannot turn anyone away from care by law. However, as the number of South Carolinians who cannot afford cheap health insurance increases, hospital emergency rooms are handling the majority of the load. More people have to turn to hospitals as their primary health care givers given a lack of adequate or non-existant health insurance coverage.<br /><br /><b>Cheap <a href="http://health-insurance-companies-news.blogspot.com/">Health Insurance </a>Plans Through the Workplace</b><br /><br />Most cheap medical insurance policies in South Carolina are usually written through group coverage offered at work by your employer through a private South Carolina cheap health insurance company. This is usually the more cost effective way to purchase cheap health insurance now available since a large number of employees allows South Carolina companies to reduce their insurance premiums. Similar to buying in bulk, the more health insurance plans a business can purchase for its employees the less expensive the insurance is per employee. In South Carolina, like the rest of the nation, the number of companies that can provide cheap health insurance for their employees is declining.<br /><br /><b>Personal Health Insurance Plans</b><br /><br />Health insurance plans can be purchased by individuals and families from virtually every insurance provider in South Carolina. Trying to purchase health insurance on an individual basis can be more expensive if the person already has a health problem, known as a pre-existing condition. Many companies will not cover people with pre-existing conditions if they have no continuation of coverage-renewing health insurance coverage after only a prescribed short period of time-picked up from an earlier cheap health insurance policy.<br /><br /><b>South Carolina Health Insurance Pool</b><br /><br />The South Carolina Health Insurance Pool is a state health insurance plan designed to provide coverage for those that either do not have or have lost medical coverage at no fault of their own and are uninsurable. The pool was created by the General Assembly to help people who couldn’t get health insurance coverage from any other source, including people with certain disabilities. Blue Cross and Blue Shield of South Carolina currently administers the pool.<br /><br />Coverage is available to a person who has been a state resident for at least 30 days and meets the following criteria:<br /><br />They were turned down for private health insurance coverage for health reasons;<br />They were accepted for private health insurance, but have pre-existing illnesses or conditions excluded from coverage, for a period exceeding 12 months;<br />They are paying health insurance premiums for comparable coverage which are more than 150 percent of the premium levels charged by the pool;<br />In certain situations, other individuals whose last health insurance coverage was an employer based group health plan may be eligible for coverage.<br /><br />No matter what your age, there are also several federally sponsored programs to help you if can’t afford the premiums for individual health insurance, providing you meet their eligibility guidelines.<br /><br />Medicare, a health insurance program for people age 65 or older, certain younger people with disabilities, and people with end-stage renal disease.<br />Medicaid, a program for the poorest individuals and low-income families with children.<br />The Children’s Health Insurance Program (CHIP), a plan that provides health care to children whose parents make too much to qualify for Medicaid, but earn too little to afford individual health insurance.<br /><br /><b>Types of Cheap Health Insurance Coverage</b><br /><br />Cheap health insurance plans generally fall into one of two categories: indemnity plans and managed care plans (HMOs, PPOs or POS plans). An indemnity plan allows you to choose your own doctors and pays for your medical expenses totally, in part, or up to a specified amount. Managed care plans generally provide broader coverage within a specified network of health-care providers.<br /><br />Although you can purchase cheap health insurance plans that cover specific areas of health care (surgical, hospital, physician expense plans) most plans cover varying degrees of health care in a number of different areas. This health insurance coverage, known as major medical insurance, offers extremely broad coverage with a very high maximum benefit that’s designed to protect you against losses from catastrophic illness or injury.<br /><br />When comparing cheap medical insurance plans, check to see if they provide additional benefits that you may need, including prescription drugs, preventive care, mental health benefits, maternity care, and vision care. A comparison of various health insurance policies and rates through many South Carolina health insurance companies can be obtained at www.insurances.sc.<br /><br /><b>Cheap Health Insurance Recipient Costs</b><br /><br />With most cheap health insurance policies available in South Carolina, the way to control cost is to cut down on the out-of-pocket expenses. Since most health care insurance policies require you to make a co-payment (the amount you pay a health care provider with every visit), anything involving a lot of time spent in the doctor or dentist’s office can become expensive. Most also require a deductible (costs you must cover out of your pocket for any major expense before your cheap health insurance policy picks up the remaining costs). You may also have coinsurance, the percentage of cheap medical insurance cost you will still have to pay after you reach your deductibles.<br /><br />Another thing to consider is COBRA health insurance. This law allows employees who leave a job the ability to stay on that South Carolina company’s employee health insurance for up to 18 months although they have to pay the full amount of the coverage. Check the COBRA benefits to see if purchasing a less expensive individual health insurance plan may be in your best interest.<br /><br /><b>How to Buy Cheap Health Insurance</b><br /><br />If you need to purchase individual health insurance, it can be expensive. Unlike group plans, in which the costs and risks associated with health care are spread among many people; individual health policies are “medically underwritten” to take into account your personal health history. Any “pre-existing” condition such as heart disease, diabetes, and even pregnancy, can nix your chances of acceptance or boost your premiums.<br /><br />To determine the acceptability of a particular applicant, a health insurance underwriter can require information regarding the following:<br /><br />The individual’s age: Age determines rates and whether coverage will be issued at all.<br />The individual’s gender: at younger ages, males have a lower rate of illness and injury than females. That changes by age sixty.<br />The individual’s health history and physical condition: Someone who has had a previous condition that can contribute to a future illness/injury is not considered an ideal risk. In response to a less than ideal medical history, modified coverage may be offered depending on the individual’s health, higher than normal premiums may be issued, or the person may be denied coverage altogether.<br />The individual’s occupation and hobbies: Some occupations such as construction workers have higher insurance rates, along with people who enjoy dangerous activities such as skydiving or bungee jumping. At times certain occupations are considered so hazardous that insurance companies will not cover them at all.<br /><br />Your first step in getting cheap health insurance coverage is to understand exactly what you need. Think carefully about what coverage you must have. Do you need health insurance for your whole family, or just yourself? Do you want to choose your providers? If you’re over 65, do you need insurance to fill the gaps in Medicare? Do you need – and can you afford – long-term disability and/or long term care coverage? Even if you begin by soliciting cheap health insurance quotes you must still know exactly what you want in terms of health insurance coverage so you will be comparing apples to apples when weighing any cheap health insurance premium quote.<br /><br />After that, contact a South Carolina insurance agent in your area. Ideally, you can start with an independent South Carolina insurance agent who is familiar with the insurance companies that do business in your area. This agent is also not bound to write coverage for any particular health insurance company so he or she can give you an honest appraisal of various health insurance policies.<br /><br />When you’ve found the right coverage, you’ll give information to your agent to complete the necessary forms. Be honest. It’s important to disclose your medical history thoroughly and accurately. Report all of your health problems to your agent. If any of your health information is misstated or incomplete, the company might refuse to pay your claims and could cancel your policy.Maduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.comtag:blogger.com,1999:blog-8911821104078898343.post-90865696013012385702011-04-27T09:33:00.000-07:002012-01-06T10:57:27.250-08:00Deep Secrets Of Florida Health InsuranceMost individuals do not fully understand how their Florida health insurance works. In Florida, virtually every plan is a PPO and you'll visit any provider from the network with no referral.A PPO is essentially an arrangement involving the health insurance carrier or network as well as the provider of services (physician, lab, hospital, etc.). The provider has consented to charge a fixed, discounted rate its the services they perform.One example is, a physician might send an office building visit claim they the insurance company for $100.<br /><a name='more'></a><br /><br /><br />The carrier or network will appear up the contracted rate how the provider has and "re-price" the claim. The contracted rate might realistically be $55. This can be a amount it'll cost you for the appointment. If you have a co-pay feature within your plan, you may only pay $25 or $30. But, even without this feature, you'd still only be responsible for the discounted, contracted rate of $55.At this time, you should think about two questions. "How often times did a physician last year?' "How much extra am I spending money on the privilege to pay $30 for an doctor office visit instead of $55 or $60?"If you went to the doctor twice last year, the difference between having a co-pay and not developing a co-pay is below $60 in extra cost.<br /><br />While at the same time, this co-pay feature might have added $800 per year to your premiums. You would literally should be in your doctor's office virtually every week ahead of the co-pay benefit made sense at all.Co-pays often add an unnecessary cost to your health insurance premiums. You need to examine just how much extra you're paying each month for this feature.Deductibles may also be a misunderstood concept on most health insurance plans in Florida and elsewhere. Clients typically request a low deductible, believing that the plan can provide no coverage before deductible is met.<br /><br />Needless to say, we now know that this PPO feature of re-pricing and discounting all services is accessible as soon as the plan begins, so you do not have to first meet a deductible.Keep in mind that lower than 5% of you is ever going to have more than $5,000 in medical expenses in a year. Why, you could ask, am I paying a large amount of to maintain a $1,000 deductible?In the event you ask your agent to provide the premiums for $1,000, $2,500 and $5,000 deductibles, you'll find that the difference in benefit can be quite small.As an example, a healthy, 40 year old male in Fort Lauderdale might pay $60 a month or $720 annually less by raising their deductible from $1,000 to $2,500.<br /><br />As soon as they have been on the program for about 24 months, they have already saved the $1,500 difference. Detail individual saved the visible difference and put it right into a high yield family savings, they would have about $25,000 after 20 years.The money is more effective off in your pocketbook as opposed to the insurance company's pocket. Yet, the insurance companies make millions each and every year because you are giving them extra premium to have an event with a very low odds of ever occurring.Let me try to summarize that which you are telling you.You need to do the math (it is simple arithmetic) when buying health insurance or any kind of insurance for instance.<br /><br />You are performing what business school graduates call a "cost benefit analysis". That may be, how much extra am I buying each additional benefit?You now realize that high deductibles are not to be afraid of, and co-pays for visits to the doctor and even prescriptions may add thousands 12 months to your premiums for very little benefit frequently, you are in stronger position to intelligently select a health insurance plan.If you live in Florida and want to speak with a broker who understands these concepts, or, if you need to learn more about Florida health insurance, we can recommend a number of links.Finding affordable Florida Health Insurance. Guaranteed Issue Medical insuranceMaduhttp://www.blogger.com/profile/13797708652401916688noreply@blogger.com