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More Small Business Health Insurance Basics In Texas

Because premiums, deductibles  and coinsurance levels for small business group health insurance policies in Texas can vary widely from plan to plan, it pays to shop around.  https://www.detroitescorts.site

Have a good understanding of your employees’ healthcare needs before you start shopping. Do they require frequent medical care or do they rarely see the doctor? Are they more concerned about preventive checkups or coverage in case of emergency? Are prescription or maternity benefits important to them? This is an essential first step. You want to purchase a plan that offers the medical benefits your employees need, without a bunch of “extras” your employees won’t take advantage of. You’ll pay for these “extras” in the form of higher premiums.

When shopping for coverage, the Texas Department of Insurance recommends keeping these guidelines in mind:

· Be sure you understand the full extent of each plan’s coverage when comparing plans and rates. If you decide to go with a consumer choice health benefit plan over one with all the state-mandated benefits, the carrier or agent is required to explain in writing which you don’t have.

· Plans with higher deductibles,  , and employee share of coinsurance generally will have lower premiums. Keep in mind, however, that your employees will also have to pay more out of pocket when they access services or benefits.

· Consider factors other than cost, such as a company’s financial strength and complaint record. These are indicators of the service you can expect. You can learn a company’s financial rating, as determined by an independent rating  ) Consumer Help Line. You can also learn information about the frequency of consumer complaints filed against specific companies by calling the Consumer Help Line: 1-800-252-3439/463-5515 in Austin.

· Look into purchasing cooperatives. These are groups of small employers with similar health care needs who join together to negotiate discounted rates for shared plans. For a list of registered purchasing cooperatives in Texas, call the Consumer Help Line.

· Buy only from licensed insurance companies. Selling unlicensed coverage is illegal in Texas. If you buy from an unlicensed carrier, your employees’ claims could go unpaid and you could be held liable for the full amount of your employees’ claims and losses. Guaranty associations pay the claims of licensed carriers that become insolvent. You can learn whether a company is licensed by calling the Consumer Help Line.

· Understand that employee health coverage is different from workers’ compensation insurance, which covers only job-related injuries and illnesses. Although workers’ compensation insurance is not required in Texas, it protects you from high damage awards in the case of workplace accidents. Providing regular health coverage to your employees is not a legal alternative to providing workers’ compensation insurance.

Who Pays and How Much?

The law doesn’t require employers to contribute toward health benefit plan premiums. However, many carriers require employers to pay at least 50 percent of the plan’s premiums. Employers may choose to pay a higher percentage than the carrier requires.

The carrier must offer dependent coverage to all eligible employees. Generally, employers are not required to contribute toward the cost of dependent coverage. If the employer doesn’t contribute, employees may have to pay all of these costs themselves.

Premiums may increase at each renewal term, largely due to rising health care costs and possibly as a result of employee claims experience. Texas law caps small-employer rate increases due to health factors at 15 percent per year.

Insurers cannot require businesses to purchase additional lines of insurance, such as life insurance or disability insurance, as a condition of the sale of a health plan.

Employee Signup and Waiting Period

New employees must be given at least 31 days from their start date to   in a plan. After this time, they may be required to wait up to one year for the next “open  period” to join. Carriers must offer a 31-day open  period annually.

You can choose to require your employees who  in a plan to wait up to 90 days before being eligible for benefits. During this period, the carrier may not charge you or the employee a premium.

Carriers may require participants to wait a certain amount of time before covering  existing medical conditions. In general, plans have different rules for existing conditions. Plans using the open requirement cannot make new members wait more than one year before covering  existing conditions.

New  who were covered in the year prior to joining a plan also receive credit toward the waiting period on a month-for-month basis. For example, an employee who was covered under creditable coverage for the entire year before joining a new plan would receive 12 months’ credit toward a one-year existing condition wait — and would therefore experience no wait at all. For previous coverage to be considered creditable, there may not have been more than a 63-day break between the end of the previous coverage and the start of the new coverage.

A small business employer carrier cannot refuse to provide health coverage for employees on the grounds of employee illnesses or  existing conditions. Nor may carriers use health-related factors — such as employees’ prior claims experience or information on conditions arising from violent family situations — to decide whether to provide coverage.

How Small Employer Plan Premiums are Calculated

The rates for any given small employer plan are not solely determined by the benefits and deductibles of the plan itself. Certain objective “case characteristics,” along with any health status-related factors of employees, may also be components in determining the premium rate for the small employer group. Case characteristics consist of age, gender, group size, industry, and geography. Carriers can use some or all of these five objective criteria:

· Age of employees: Older people can reasonably be expected to have more expensive and more frequent health-related claims. Generally, the older your workforce, the more your plan will cost.

· Gender: Females generally incur higher medical costs than males at younger ages, particularly during childbearing years. The variance diminishes with age until medical costs for males begin to exceed those for females as they near ages 50 and 60. If you have a younger, proportionately more female workforce, or one that is older and proportionately more male, expect to pay higher premiums.

· Number of plan participants: Carriers often base rates on group size for two reasons. As size increases, administrative costs per insured decrease. Also, smaller groups tend to buy health coverage based on the targeted needs of participants, increasing the likelihood of claims for the benefits provided. As group size increases, this “custom-tailoring” becomes more difficult and premiums tend to decrease. However, the highest group size factor may not exceed the lowest group size factor by more than 20 percent.

· Industry: Some industries have higher medical claims costs than others because of working conditions and the prevalence of accidents. High employee turnover in some industries can also result in higher administrative costs for the carrier. However, the highest industry factor a carrier charges may not exceed the lowest factor by more than 15 percent.

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For Women – How to Buy Health Insurance When You’re Between Jobs – Without Losing Your Skirt

As a woman, I have been worried about not having health insurance, have you been worried too? I know how to use a computer, so I was able to check out the online health insurance quotes on the Internet. I filled out a few forms but it was difficult to pick the right one for me, there were just too many choices! So why was I researching online health insurance quotes? I was recently laid off, my boss said “he hated to let me go” but he had to lay some people off and since I was the last hired…well you know how it goes. I found out I could not afford the Cobra Plan for continuing my group health insurance, no way for $585.00 per month! I was shocked to know that is how much my company had been paying for my individual health insurance. Guess a person does not really appreciate some things until they are gone…like boyfriends, a good job and oh, a flattering hair style!    cool gadgets

My biggest concern about shopping online for health insurance was how does a woman know if the health insurance quote you get is a good deal? I mean, we know if a handbag is a good deal or a business suit for work or a gift we buy off eBay, but health insurance? Also, I feel uncomfortable with insurance salespeople; I don’t like being pressured to decide to buy something right now. So if you are like me, you can understand how we don’t like to be pressured into a sale or “sold’. Why? Have you ever been in a mall and had a sales lady warmly greet you and smiling so much at you, she looks like her face hurts? Then she follows you around the store and won’t leave you alone to shop? I have, I hate it, bet you do too and we can’t wait to get away from her, right? So I get the same feeling about insurance, especially health insurance sales people.

So here I am unemployed, with only unemployment pay and in need of really cheap health insurance. I got a really bad scare recently. A long time and close friend of mine did not have health insurance through the small business she worked for and got stuck with an enormous medical bill! I won’t tell you what she had, just that she is recovering and will be returning to work soon. But her retirement fund is going to be drained dry when she pays that huge medical bill. Her retirement account is will be almost empty! That is so terrible, she has worked so hard and now this!

I had figured to chance not having health insurance for a while, just until I get a new job…But after what happened to my good friend, I can’t chance it. I am much older than her and don’t want to fall victim to a health catastrophe. Now, I am scared and just don’t feel safe without some kind of health insurance. So again, I went out to the internet looking for a decent website that could give me an inexpensive health insurance plan. I was afraid to wait and wanted a short term health insurance plan to tide me over and protect me until I get a good job with a group health insurance plan. I warmed up my Mac computer and got online and went looking for a “good, inexpensive, low monthly premium health insurance plan.” One that I could afford without losing my skirt!

Before I had bookmarked a few websites to return to, so I went to those first. But I was getting frustrated with slow loading insurance sites; you know the ones I mean. You can go grab a soda and check your mail while they load! Anyway, after searching and being frustrated by filling out forms that did not send my information, I finally found a couple good ones to submit my   to and get a good quote. A high quality site generally makes it easy to find the information you want. After browsing the sites I located information on different types of insurance and on health insurance providers. Stuff a woman needs to know to make an intelligent decision about buying health insurance. The websites online covered all sorts of things you would want to read about, like HMO,  health saver plans. As I searched the sites I noticed were many different insurance providers! That made me feel like I needed help since there were so many good providers.

Great now I was ready to check out their Privacy Policy and that looked good and safe too. When I was browsing I found that many sites have all 50 states coverage. I looked at the health insurance page for quotes and followed their easy instructions on “How to get your fast health insurance quote.” I clicked in the area of the form that said, “fill in your zip code” and filled it in. I filled in my personal information and clicked the submit button. I received confirmation of the personal information and that they would be getting in contact with me right away with more information about my health insurance quotes.

I was happy to find the agents were easy to deal with. They really wanted to help. That made me feel good and like I was being properly cared for. No high pressure just good advice and easy to understand answers to my not so smart insurance questions. I felt good and really took my time, I even was able to buy my policy online! So after paying for my health insurance this month, how much money do I have left…or so, how short is my skirt?

 

 

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How to Get Health Insurance If You’re Uninsured Or Just Unsure

If you’ve recently lost your job or are self employed or work as a freelancer, you may not have health insurance. You’re not alone. Hundreds of thousands go uninsured due to financial reasons.    https://bibloteka.com/

Others may be staying in jobs they hate “because I need the health benefits” and they worry about what to do if they make a transition. You’re not alone either. Good health is a huge priority. Without that, everything else can fall apart.

I’m a strong advocate for taking preventative health measures. But part of taking preventative measures is making sure you see your physician for annual general checkups along with followups, and seeing a physician when you know something is wrong.

Since it can be confusing navigating where to go to obtain health insurance during such times, I thought the following might help.

The American Diabetes Association has put together a very helpful resource guide for you. I’ve used New York here, since many of you reside there but you can get the same information for ANY state by clicking on your state on the red map on their website.

NEW YORK

The following information details health insurance and assistance programs available to uninsured people in New York.

If you currently have health insurance or have just lost health insurance coverage within the past 60 days, visit the health insurance section of the American Diabetes Association website for options available to you.

New York Insurance Department – (800) 342-3736

Residents of New York cannot be turned down from purchasing an individual health insurance policy regardless of any health conditions they may have. This is called guaranteed issue. In addition, residents cannot be charged a higher rate for their policy because of their health status. This is called community rating. The New York Insurance Department may be able to help you locate names and phone numbers of possible insurers who will sell you this type of policy. Please contact them for more information.

If you are having a problem with your state-regulated health plan and you are unable to resolve it with the plan directly, file a complaint with the Insurance Department. They may be able to provide you with assistance in reaching a conclusion.

New York Health Insurers Guide Available

The New York Consumer Guide to Health Insurers provides information about the wide range of health care options available in in the state and enables New Y  to compare commercial and non-profit health insurers as well as health maintenance   on a variety of factors, from services offered to overall consumer satisfaction. This guide can assist you in finding the best health care plan for you and your family.

New York Medicaid – (518) 486-9057

Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify. Contact your state Medicaid program for more information.

Healthy New York – (866) 432-5849

The goal of the Healthy NY program is to provide health insurance coverage to eligible uninsured working individuals and self-employed individuals. This program is also available to small businesses that are not currently offering health insurance coverage to their employees. You must meet certain income eligibility criteria to qualify. Please contact Healthy New York for more information.

Child Health Plus  – State Children’s Health Insurance Program –
(800) 698-4543

Child Health Plus is the health insurance program designed to provide health insurance to children and teens under age 19 whose family may have too great an income to qualify for Medicaid, but who may not be able to afford health insurance. Visit the Web site to find out if you or your child meets the income guidelines.

New York Family Health Plus – 1-877-934-7587

Family Health Plus is a health care program for uninsured adults between the ages of 19 and 64 who have incomes too high to qualify for New York ‘s Medicaid program. Family Health Plus is available to single adults, couples without children, and parents with limited incomes. Individuals must meet residency and certain immigration qualifications to be eligible.

If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free or require a very small fee for patients to receive care. Find a clinic in your area.

For those with preexisting conditions, there are advocacy groups working on your behalf. If you have trouble finding one, message me and I’ll send you a link.

Also, if any freelancers have had a good or bad experience with certain health insurances, please message me as it’d be helpful to know which ones are working well and which are not.

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Understanding the Definition of Health Related Fitness

Being                    https://spynaija.com                       Health and Fitness Professional, it is my job to understand terms and definitions which are commonplace to this industry, as well to keep abreast of evolving trends. Through my experience, I have found that a number of terms deserve a little more clarification than that which they are granted.

Aside from clarifying the definition of Health Related Fitness, this article intends to shed some light on a few of the associated terms, and to show their respective distinctions.

Is it simply all in a name?

The fitness world seems to use the concept Health Related Fitness like a generic fitness principle – interchangeable with others like “Physical Fitness”, “Health and Fitness” or simply “Fitness.”

While all of these terms can be included under the broad term Health and Physical Fitness, they individually refer to different aspects – both generic and specific. Unfortunately, references to these and other fitness-related terms are often vague, while consistency in their intended use is   at best; there is a kind of “generally accepted” use for them, but individuals often rely on own interpretation, and this can lead to confusion.

With that said, does Health Related Fitness simply infer fitness by means of good health? Not quite. That is why we need to understand a little more behind these words before digesting the definition.

How did the term Health Related Physical Fitness come about?

That is a good question. One could probably ask what is this concept all about – can we not simply use the terms “Fitness” or “Physical Fitness” instead?” Why Health “Related”?

The main reason stems from the fact that most health and fitness terms are used inconsistently and often refer to different concepts or notions. Subsequent to the 1996 report from the US Surgeon General (Physical Activity and Health; a report of the Surgeon General), there was a move to try and address the alarming rise in obesity levels among the general American public. Studies and initiatives required  among clinicians, health practitioners and fitness trainers to grapple with the task at hand. Enter “Health Related Physical Fitness”, a working term to address the general state of health among the public.

The definition of Health Related Fitness

According to the American College of Sports Medicine   the main authority in this field, ineffective definitions with unclear and subjective wordings, as well as definitions containing terms which themselves require defining, have contributed to confusing the term “Physical Fitness.”

There exists no reliable guide for Health and Fitness Professionals to measure “Physical Fitness”, because the term has been so loosely and inconsistently defined. It is therefore that one should consider the concept of Health Related Fitness. The definition therefore on the 5 Components of Physical Fitness which relate to “good health.” These Components are:

Fitness
Body Composition
Flexibility
Muscular Strength
Muscular Endurance
On the other hand, Skill Related Fitness Components are:
Balance
Reaction Time
Coordination
Agility
Speed
Power
According to the  for Disease Control and Prevention (CDC), the definition of Physical Fitness   the difference between Health Related Physical Fitness and Athletic Ability Physical Fitness. Its point-of-departure is the “health” of the US nation, which is often referred to as the “public health perspective.” In that respect, the 5 Health Related Fitness Components are more important than those related to Athletic Ability (or Skill Related Components).
Although the concept of Health Related Fitness has an integral association with “good health”, the 5 Components are addressed individually by health professionals to allow for their measurement.

Now that we have a deeper understanding of the term, what purpose does it serve?

Continuing from where the definition left off, the objective of measuring the 5 Components is to advise clients about their own particular Health Related Fitness, and to use data obtained from the tests to design appropriate exercise programs which can then be evaluated.

The 5 Components contribute evenly to make up a holistic Health Related Fitness, which is of direct interest to the health of the ordinary citizen, in that the concept is normative. In other words, it is a standard which allows for consistent application.

It is therefore important for those working in the health and fitness industry not to mistake “overall physical fitness” with “Health Related Physical fitness.”

To conclude, let us consider this distinction between Physical Fitness and Health Related Fitness

One needs to bear in mind that regular physical exercise can improve overall Physical Fitness, as well as Health Related Fitness. However, overall fitness is a generic term and is up to subjective interpretation, while Health Related Fitness can be assessed.

The distinction therefore, between these two terms, exists in that Health Related Physical Fitness can be measured according to a set of established comparative norms.

 

 

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Who’s Paying For Health Care?

America                    https://www.monalise.dk/                       spent 17.3% of its gross domestic product on health care in 2009 (1). If you break that down on an individual level, we spend $7,129 per person each year on health care…more than any other country in the world (2). With 17 cents of every dollar Americans spent keeping our country healthy, it’s no wonder the government is determined to reform the system. Despite the overwhelming attention health care is getting in the media, we know very little about where that money comes from or how it makes its way into the system (and rightfully so…the way we pay for health care is insanely complex, to say the least). This convoluted system is the unfortunate result of a series of programs that attempt to control spending layered on top of one another. What follows is a systematic attempt to peel away those layers, helping you become an informed health care consumer and an incontrovertible debater when discussing “Health Care Reform.”

Who’s paying the bill?

The “bill payers” fall into three distinct buckets: individuals paying out-of-pocket, private insurance companies, and the government. We can look at these  in two different ways: 1) How much do they pay and 2) How many people do they pay for?

The majority of individuals in America are insured by private insurance companies via their employers, followed second by the government. These two sources of payment combined account for close to 80% of the funding for health care. The “Out-of-Pocket” payers fall into the uninsured as they have chosen to carry the risk of medical expense independently. When we look at the amount of money each of these groups spends on health care annually, the pie shifts dramatically.

The government currently pays for 46% of national health care expenditures. How is that possible? This will make much more sense when we examine each of the

Out-of-Pocket

A select portion of the population chooses to carry the risk of medical expenses themselves rather than buying into an insurance plan. This group tends to be younger and healthier than insured patients and, as such, accesses medical care much less frequently. Because this group has to pay for all incurred costs, they also tend to be much more discriminating in how they access the system. The result is that patients (now more appropriately termed “consumers”) comparison shop for tests and elective procedures and wait longer before seeking medical attention. The payment method for this group is simple: the doctors and hospitals charge set fees for their services and the patient pays that amount directly to the doctor/hospital.

Private Insurance

This is where the whole system gets a lot more complicated. Private insurance is purchased either individually or is provided by employers (most people get it through their employer as we mentioned). When it comes to private insurance, there are two main types: Fee-for-Service insurers and Managed Care insurers. These two groups approach paying for care very differently.

Fee-for-Service:

This group makes it relatively simple (believe it or not). The employer or individual buys a health plan from a private insurance company with a defined set of benefits. This benefit package will also have what is called a deductible (an amount the patient/individual must pay for their health care services before their insurance pays anything). Once the deductible amount is met, the health plan pays the fees for services provided throughout the health care system. Often, they will pay a maximum fee for a service (say $100 for an x-ray). The plan will require the individual to pay a   (a sharing of the cost between the health plan and the individual). A typical industry standard is an 80/20 split of the payment, so in the case of the $100 x-ray, the health plan would pay $80 and the patient would pay $20…remember those annoying medical bills stating your insurance did not cover all the charges? This is where they come from. Another downside of this model is that health care providers are both financially and legally bound to perform more tests and procedures as they are paid additional fees for each of these or are held legally accountable for not ordering the tests when things go wrong (called ”  or “Cover You’re A**” medicine). If ordering more tests provided you with more legal protection and more compensation, wouldn’t you order anything justifiable? Can we say misalignment of incentives?

Managed Care:

Now it gets crazy. Managed care insurers pay for care while also “managing” the care they pay for (very clever name, right). Managed care is defined as “a set of techniques used by or on behalf of purchasers of health care benefits to manage health care costs by influencing patient care decision making through case-by-case assessments of the appropriateness of care prior to its provision” (2). Yep, insurers make medical decisions on your behalf (sound as scary to you as it does to us?). The original idea was driven by a desire by employers, insurance companies, and the public to control soaring health care costs. Doesn’t seem to be working quite yet. Managed care groups either provide medical care directly or contract with a select group of health care providers. These insurers are further subdivided based on their own personal management styles. You may be familiar with many of these sub-types as you’ve had to choose between then when selecting your insurance.

contract with a set list of providers (we’re all familiar with these lists) with whom they have negotiated set (read discounted) fees for care. Yes, individual doctors have to charge less for their services if they want to see patients with these insurance plans. An has a smaller and more strictly regulated list of physicians than a   but are otherwise the same.   control costs by requiring  hires doctors to provide care and either builds its own hospital or contracts for the services of a hospital within the community. In this model the doctor works for the insurance provider directly (aka a Staff Model HMO). Kaiser  an example of a very large HMO that we’ve heard mentioned frequently during the recent debates. Since the company paying the bill is also providing the care, HMO’s heavily  preventive medicine and primary care (enter the Kaiser “Thrive” campaign). The healthier you are, the more money the HMO saves. The HMO’s emphasis on keeping patients healthy is commendable as this is the only model to do so, however, with complex, lifelong, or advanced diseases, they are  to provide the minimum amount of care necessary to reduce costs. It is with these conditions that we hear the horror stories of insufficient care. This being said, physicians in HMO settings continue to practice medicine as they feel is needed to best care for their patients despite the incentives to reduce costs inherent in the system (recall that physicians are often salaried in HMO’s and have no incentive to order more or less tests).
The Government

The U.S. Government pays for health care in a variety of ways depending on whom they are paying for. The government, through a number of different programs, provides insurance to individuals over 65 years of age, people of any age with permanent kidney failure, certain disabled people under 65, the military, military veterans, federal employees, children of low-income families, and, most interestingly, prisoners. It also has the same characteristics as a Fee-for-Service plan, with deductibles and  . As you would imagine, the majority of these populations are very expensive to cover medically. While the government only insures 28% of the American population, they are paying for 46% of all care provided. The populations covered by the government are amongst the sickest and most medically needy in America resulting in this discrepancy between number of individuals insured and cost of care.

The largest and most well-known government programs are Medicare and Medicaid. Let’s take a look at these individually:

Medicare:

The Medicare program currently covers 42.5 million Americans. To qualify for Medicare you must meet one of the following criteria:

Over 65 years of age
Permanent kidney failure
Meet certain disability requirements
So you meet the criteria…what do you get? Medicare comes in 4 parts (Part A-D), some of which are free and some of which you have to pay for. You’ve probably heard of the various parts over the years thanks to CNN (remember the commotion about the Part D drug benefits during the Bush administration?) but we’ll give you a quick refresher just in case.

Part A (Hospital Insurance): This part of Medicare is free and covers any inpatient and outpatient hospital care the patient may need (only for a set number of days, however, with the added bonus of   and deductibles…apparently there really is no such thing as a free lunch).
Part B (Medical Insurance): This part, which you must purchase, covers physicians’ services, and selected other health care services and supplies that are not covered by Part A. What does it cost? The Part B premium for 2009 ranged from $96.40 to $308.30 per month depending on your household income.
Part C (Managed Care): This part, called Medicare Advantage, is a private insurance plan that provides all of the coverage provided in Parts A and B and must cover medically necessary services. Part C replaces Parts A & B. All private insurers that want to provide Part C coverage must meet certain criteria set forth by the government. Your care will also be managed much like the HMO plans previously discussed.
Part D (Prescription Drug Plans): Part D covers prescription drugs and costs $20 to $40 per month for those who chose to l.
, now how does Medicare pay for everything? Hospitals are paid predetermined amounts of money per admission or per outpatient procedure for services provided to Medicare patients. These predetermined amounts are based upon over 470 diagnosis-related groups (  or Ambulatory Payment Classifications (APC’s) rather than the actual cost of the care rendered (interesting way to peg hospital reimbursement…especially when the Harvard economist who   is not the same for each hospital. Totally logical (can you sense our sarcasm?). The figure is based on a formula that takes into account the type of service, the type of hospital, and the location of the hospital. This may sound logical but often times this system fails.

 

 

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Do People Actually Purchase Health Insurance Online?

It may seem                    https://www.monalise.dk/                         like common sense to purchase a health coverage online through a website. However, while we may seem like an “online nation”, there are many people, believe it or not, who do not have regular access to the Internet. Some individuals still make the call to an agent in order to obtain health insurance coverage. However, personal insurance purchases on the web are starting to become much more common according to a publication on Government Health IT entitled “Study: Consumers shift to online health plan ” In fact, many recent studies conducted by some of the top research and analysis firms are showing a major shift in this trend.

There are many websites available that offer health insurance quotes and online insurance   Many studies have been conducted in the last couple of years to see just how people are obtaining health coverage. To much surprise, the findings show a twenty-three percent increase in the amount of people purchasing health insurance online, without an agent, as opposed to over the phone through a health insurance professional. This is large increase, showing that, not only are people becoming more savvy about technology, but that they are more educated about their health plan options. It appears that either people do not have as many questions about health coverage or that websites have become more informative and are able to answer the questions that consumers have about health plans. If this trend continues, many health insurance agents may struggle to survive in the business. Especially considering that, because of the new “Obama-care” health care reform, many insurance carriers have lowered agent commissions. This has already lowered the number of active health insurance professionals.

Does this mean that health plans will become less expensive? Well, that remains to be seen. We must take into consideration that one of the changes that will happen because of health care reform is that insurance companies will no longer be able to decline coverage based on an individual’s health. This is good with respect to the fact that more people will be able to obtain health insurance, especially people who would normally be declined based on a  -existing health condition (e.g. – Diabetes, Heart Attack, Cancer). However, this will cause more claims. Health insurance companies are in the business to make money. When there are more insurance claims then the insurance company has more cost per insured person, thus driving up insurance premiums. It seems that the US government has plans to help the tax-payer with the cost of health insurance through health care reform. But that remains to be seen as well.

With so many changes coming in the next few years, it is expected that more people will start making use of health insurance websites that offer educational information and the ability to purchase a health plan online. Thus, more and more people will use the Internet to purchase health insurance in the years to come.

I started in the insurance industry because, like everyone else that needs personal insurance, I had spent countless hours comparing rates and researching insurance companies to find the best insurance coverage at the lowest price. After repeating this process a few times over, I decided to take this knowledge, study for an insurance exam, pass a test and set a goal to supply other people with this information in a more timely manner.

Understandably, it is critical to find the right information when searching for insurance products. My next step was to create websites that offered the most current insurance information with most competitive insurance quotes. That was many years ago.

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Workplace Mental Health – A Series – An Overview Of The Issue (This Is Important!)

The mind                    https://trevonbranch.tech/                     and the body are inseparable. And you do want to engage the whole employee in your worksite wellness program, right?

Most worksite wellness programs today are not really wellness programs at all – they are employee health status management programs. Why do I say this? Most worksite wellness programs focus solely on employee physical health, to the exclusion of all the other dimensions of wellness.

As conceived by the modern wellness field’s founders, (Robert Allen, Donald   Dunn, Bill  and John Travis), wellness is a multi-dimensional concept. The published wellness model of the National Wellness Institute includes the following dimensions: physical, social, emotional, intellectual, occupational and spiritual.

Emotional well-being is associated with numerous benefits to health, family, work, and economic status. Positive emotions and view of life are associated with decreased risk for disease, illness, and injury; better immune functioning; better coping and quicker recovery; and increased longevity. In addition, mental health and mental illness may influence physical health and biologic functioning. Positive mental health is associated with better endocrine function (i.e., lower levels of cortisol, epinephrine, and   and better immune response (i.e., higher antibody production and greater resistance to illness). It has also been shown to be associated with longevity.

Researchers are continuing to learn more and more about the mind – body connection. It has been clearly shown that emotions play a huge role in our physical health. There is also a reciprocal relationship between many chronic diseases and mental health. Self-efficacy, goal-setting, and problem-solving enable self-management   and these components are dependent on emotional health. On the other hand, self-management   that enhance health, such as physical activity and stress reduction, can improve mental health status and quality of life. In many ways, it makes no sense to address physical health without addressing emotional health at the same time.

The absence of mental illness does not mean the presence of mental health. Growing research supports the view that these are independent, but related dimensions. Mental   are  by the presence of positive affect (e.g., optimism, cheerfulness and interest), absence of negative affect, and satisfaction with life. On the other hand, mental illness is   by alterations in thinking, mood, or   associated with distress or impaired functioning.

Why Address Mental   in the Workplace?

The health of the mind and body cannot be separated. What effects one influences the other. Therefore, a healthy mind supports and contributes to a healthy body and vice versa.

Mental illness costs employers money and mental health can impact productivity and employee performance. Just like physical health, mental health can be viewed as being a continuum. At one end there is mental health and mental illness is located at the opposite end.

Mental health generally refers to the successful performance of mental function, resulting in productive activities, fulfilling relationships, and the ability to adapt to change and adversity. These domains are commonly referred to as

Mental illness includes diseases with classic psychiatric diagnoses, such as depression, bipolar disorder, and schizophrenia. Mental health and mental illness can be influenced by multiple determinants, including genetics and biology and their interactions with social and environmental factors.

Employers approach employee health through a multi-strategy framework. A multi-strategy framework can be applied to an employer approach to mental health as well. A comprehensive approach includes: promotion, prevention, intervention, and follow-up. It is important to   that mental health promotion needs to be equal in importance to the prevention and treatment of mental illness.

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Strategies for Physician Recruiting

Recruiting                https://psychedelichomes.com/              and retaining physicians is a vital aspect of an    overall operational, and financial success. Physician vacancies inevitably articulate loss in revenue.

The following strategies for physician recruiting can be tailored to adapt to your individual healthcare setting.

1. Market your facility aggressively. Your company website is a tool that can be easily manipulated to exemplify physician recruitment initiatives. Physicians consistently use search engines to locate healthcare facilities that match the attributes that they view as most important. For example, if a physician  in laparoscopic surgery, he/she may enter a search term of “hospitals that provide laparoscopic surgery in Los Angeles, CA.” By   your website to include detailed information on the   in which you are recruiting physicians, your website will inevitably come up in relevant searches.

In   your website,   interactive methods of communication. Include virtual tours, video clips of interviews with current physicians that speak about their great experiences working at your facility. Include an area that lists all available physician vacancies. This cuts to the chase, and gives the physician an immediate opportunity to express interest in working at your hospital without the unnecessary step of calling a recruiter or staff member. Ideally, they will enter their information which is routed to a recruiter that will personally follow-up with a phone call, and provide an extensive overview of the opportunity.

2. Mail comprehensive information once interest is expressed. Once contact has been initiated, it is critical that the physician receive an all-inclusive overview of what your facility can offer him/her, what your city has to offer, what sets your hospital apart from competing facilities in the area, and relocation materials. If a physician receives a comprehensive overview of your facility, he/she can then make an educated decision as to his/her desire to work for you. This also conveys the perception that you are considering every aspect of the physician’s needs by providing more information than he expected.

3. Host him/her to a meaningful in-person visit. First impressions can make or break the recruitment of a physician. That being said, it is critical that the in-person visit be planned strategically. Once you have carefully planned the itinerary for the visit, compose an agenda for the day and convey it to him/her in advance. Make the visit unique. Allow key administrators to take part in the interview; each will provide a unique perspective of your facility.

Families are important, so make certain to offer information regarding opportunities that apply to spouses/children. Whether it be upcoming family events, committees that spouses serve on, child care facilities available to physicians, or the contact information for a spouse liaison that reaches out to spouses, and coordinates social functions amongst them.

Lastly, provide first-hand experiences from other physicians in his/her   that are on staff. This can be the most beneficial piece, because he/she will relate to the experiences and opinions that he/she provides, and can make an accurate comparative opinion based on that. Preparation is the key. Offer the most compelling outlook of your facility.

 

 

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A Day In The Life Of A Primary Care Physician

A primary                      https://psychedelichomes.com/                care physician, also referred to as a family doctor,   in providing comprehensive care to the community in which they practice. They treat all types of conditions and provide care to people from all parts of the community. They often treat the same families and individuals for years, allowing them to get to know their patients as people, bond with them, and watch them grow up and have children of their own.

A primary care physician’s work life is generally very diverse and full of variety. They typically spend a substantial part of their day seeing patients, during which time they diagnose their medical conditions, and recommend a course of treatment. They may need to prescribe medicine, take blood to run laboratory tests, or recommend the patient to a specialist. Nurses generally help family doctors by meeting with patients first, running preliminary tests, and communicating any pertinent information to the primary care physician so they can do a better job of providing treatment.

A family doctor’s day can often be very hectic, especially in larger cities where they have to see a large number of patients each day. They may have to deal with packed waiting rooms, late patients, and a diverse array of medical problems. However, a good primary care physician will stay calm and devote individual attention to each patient, regardless of how many people are waiting for their appointments.

Family doctors also need to perform various administrative tasks. They call insurance companies to inquire about payments and deductibles, consult with specialists to help diagnose or treat a particular patient, order lab tests and prescriptions, and perform data entry to keep each patient’s medical records up-to-date. These tasks often involve spending time on hold or navigating through electronic phone messages and menus, which can be frustrating because it forces family doctors to cut down on the amount of time they have to see patients. As a result, many work after-hours to get all these tasks done and cut their lunch breaks short to   the amount of time they have with their patients.

Despite the time constraints and stress that comes along with being a primary care physician, most practitioners in this field find their jobs to be incredibly rewarding. They work to make their patients’ lives better, whether it’s through simple tasks like filling out a prescription or more complex steps such as diagnosing an illness or curing a particular medical condition.

 

 

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Types of insulin and how they work

Insulin is a hormone  https://starmedpharmacy.com/        the body makes to control the level of glucose (sugar) in the blood. It lowers blood sugar by allowing glucose to leave the bloodstream and enter body cells. Without enough insulin, the level of glucose in the bloodstream can become too high.

Everyone needs insulin to use food properly. People without diabetes make enough of their own insulin to keep their blood sugar at healthy levels all the time.

People with type 1 diabetes no longer make insulin of their own. Instead, they need to take shots of one or more types of insulin to keep their blood sugars levels close to normal. Between 75 and 90 percent of people with type 2 diabetes need to take insulin shots to help them get the best control of their blood sugar levels.

Deciding how much insulin to take
The amount of insulin a person needs depends on:

Body weight
Percentage of body fat
Activity level
Diet
Other medicines
Emotions and stress
General health
Type of insulin
When you first start taking insulin shots, your doctor might ask you to change the amount you take or the time you take it. You and your doctor will base these changes on the results of your blood sugar tests. You’ll need to adjust until you find the dose and schedule that works best for you.

Each person’s need for insulin is different:

Some people can control their blood sugar with one shot of insulin a day.
Most people need more than three shots every day.
Many people need more than one type of insulin.
If you take several insulin shots a day or use more than one type of insulin, it doesn’t mean your diabetes isn’t in good control. Your blood sugar, not the amount or type of insulin you take, is the best way to judge how well you are doing.

If you take three shots a day and your blood sugar is near normal, that’s good. If you take diabetes pills or one shot a day, but your blood sugar is high, you probably need to change your diabetes care plan.

Types of insulin
There is a large letter or number on the label of your insulin. The letter stands for the generic name of the insulin. The types of insulin are listed below. The first word is the generic name and the second word is a brand name under which the insulin is sold.

)
are all analog insulin, which means they’ve been genetically modified to work more quickly or slowly in the body.

Basal (background) insulin
Some types of insulin work continuously, up to 24 hours, which is similar to how a normal pancreas produces insulin. Continuously acting insulin is called background or basal insulin. Basal insulin is slowly absorbed and is long lasting, which means active from 10 to 24 hours, depending on which kind of basal insulin you use.

Background or basal insulin includes:

NPH: Starts to act about 2 hours after taking, peaks at 6 to 8 hours, lasts 10 to 16 hours.
Starts to act about 2 hours after taking and can last 20 to 24 hours.
Starts to act about 2 hours after taking and lasts between 14 and 24 hours.
Mealtime insulin
These types of insulin are designed to quickly take care of the sugar a person eats. These types of insulin are fast acting and don’t last very long.

Mealtime insulin includes:

Starts to act in 5 to 15 minutes, peaks in 90 minutes, lasts 3 hours.
Starts to act in 5 to 15 minutes, peaks in 90 minutes, lasts 3 hours.
: Starts to act in 5 to 15 minutes, peaks in 90 minutes, lasts 3 hours.
Regular: Starts to act in 30 to 60 minutes, peaks in 2 hours, lasts 4 to 6 hours.
Combination insulin
These are mixtures of long-lasting and fast-acting insulin. Manufacturers claim that the combination gives the benefit of both actions. However, the most likely effect is later action with a stronger peak.

Combination insulin includes (not to be confused with 75/25 insuliprotamine and insulin combined):

70/30: 70 percent NPH insulin and 30 percent regular insulin
Other combinations of insulin are available on the market, such as NPH and Humalog mixtures and NPH and N mixtures. These are designed for because fewer shots are needed. Combinations must be carefully tailored to the individual, if used at all.

Preparing and injecting insulin
Learning how to prepare and take insulin is a very important part of treatment and self-management. Make sure you know how to give yourself the right kind and amount of insulin at the right time. If you’re not sure, ask a member of your health care team to show you how to do it correctly.

Clinical review by Dan Ken
Kaiser Permanente
Reviewed 01/03/2019
Additional Resources
Insulin chart
How to store insulin