Archive for INSURANCE
Healthcare Plan Savings Discussed
Posted by: | CommentsDuring these times when hospital bills and professional doctors fee are high, medicines are expensive, and temptations for foods, drinks and vices are everywhere, staying healthy is a must. While some are gifted with good and healthy body, others struggle to maintain a healthy body. And with the price of healthcare plan contributing to the expenses we already have, there is a great need and knowledge on how to somehow cut the cost of healthcare plan.
Although you cannot do anything to bring down the price of your healthcare plan, you can manage to acquire significant saving by following these steps.
Stay Healthy – Yep! The golden rule if you want to live longer. Skeptical? Well, nobody blames you but if you would like to give you body a great chance of living beyond your life expectancy, staying healthy is worth the shot. If you aim to get a cheaper healthcare plan, then this is also a great way to achieve it. Since healthcare plan companies base the price of their plan on the status of the health of the individual, don’t be surprised if some might get higher rate than others. If you are conscious about it, then maintaining a healthy life could spare you from high healthcare plan rate.
Quit Smoking – Now that’s difficult! But if you are a kind of person who will do anything just to keep the healthcare plan rate to the minimum, you can always start by kicking the habit away. So what does it have to do with low healthcare plan? A person who smokes is more prone to healthcare claims than those who do not. And if you understand the business, you would realize that healthcare plan companies receive more claims from smoking plan holders. The tendency is to sanction higher healthcare plan rates to those who smoke. Think about it! If you quite smoking, you save from healthcare plan bills, spare you from the cost of your everyday cigarette consumption, and give you a better chance to live cleaner and longer life.
Exercise and Lose Weight- If you are part of the growing number of Americans who can either be classified as overweight or obese, then expect to have a higher healthcare plan price. It is wise to keep a normal body size and maintain it with regular exercise so you can get a desired healthcare plan rate.
Good healthcare plan selection – If it’s cheap, it does not necessarily mean it’s really “cheap.” Never let the price be your basis in taking a healthcare plan. As much as possible look for plan that gives you more benefits at the price advantageous to you.
Maximize other existing plan – If you presently have health insurance plan, make sure that you avoid getting another one with an identical coverage. This would surely drain your pockets by having unnecessary benefits you can never use. Also avoid buying unnecessary healthcare plan if you already have enough plan.
Know the type of plan you are buying – If you are buying healthcare plan for the first time, you should identify first the type of coverage you want. In this way, you can eliminate those unnecessary coverage you think you can never use. Remember that every coverage is paid so making sure that you can the healthcare plan that fits your need.
Question and Answer
Healthcare becomes universal then what happens to people like me that work in healthcare?
If healthcare gets revamped will I get CUT IN PAY? I am a X-ray tech. When everybody can afford healthcare, will I loose money?
I am confused if revamping healthcare is bad or good for me. I am for everybody getting great healthcare, but not for a pay cut that I worked hard for!
Robert Thatcher is a freelance publisher based in Cupertino, California. He publishes articles and reports in various ezines and provides healthcare plan resources on www.your-healthcare-plan.info.
Power of Lean Healthcare
Posted by: | CommentsAs healthcare costs increase at a faster rate than other products or services, healthcare providers, in particular hospitals, are under continuous pressure to dramatically improve service, reduce costs, improve patient safety, reduce waiting times, and reduce errors and associated litigation.
However, hospitals are not making the necessary improvements in cost, quality, and safety. A report by the U.S. HHS Office of the Inspector General finds that 20% of consecutive inpatient stay sequences were associated with poor quality care, unnecessary fragmentation of care, or both. The current organization and management of hospitals is an imperfect system that cannot effectively address these issues. Major projects to restructure hospitals, dramatically reduce cost, and improve customer care have had little impact on quality or cost.
In simplistic terms, current healthcare systems are not designed to make the process or ‘value stream’ of care flow smoothly. Healthcare services are often ‘batch and queue’, with patients spending most of their time waiting until the Healthcare Professional is ready i.e. push versus pull. As the population matures, patient cycle times in the hospitals, post-care facilities, and laboratories become key measurements that need to improve.
Our belief is that Lean Healthcare can provide a solution to successfully address some of these concerns with minimal cost but maximum benefit.
Lean in Healthcare
The essence of Lean Thinking is to eliminate waste through understanding how the patient defines value and how to deliver that value. Lean Thinking focuses on creating an efficient, waste-free continuous flow built on a pull vs. ‘batch and queue’ approach aligned with the continual pursuit of a perfect system.
Examples of Healthcare Waste:
o Redundant capture of information on admission
o Multiple recording of patient information
o Excess supplies stored in multiple locations
o Excess time spent looking for charts
o Patient waiting rooms
o Excess time spent waiting for equipment, lab results, x-rays etc.
o Excess time spent dealing with service complaints
Hospitals are made up of a series of processes with diverse lines of business. As a consequence, they need to build their delivery systems with these lines of business in mind. Hospitals need to know the businesses that drive 80% of their value proposition. They need to streamline their organization systems and processes to fully support the process required to deliver high quality care.
Commitment and support for any lean initiative needs to not only come from top healthcare management but, even more critically, from the ‘bottom up’ for implementation. Decision making and system development need to be pushed down to the lowest levels of any healthcare organization.
Management consultants are normally engaged as Lean change agents rather than as Lean facilitators. Healthcare staff should lead any Lean implementation program. These people are best equipped to understand the work environment, issues, challenges, what will work and what won’t. An empowered and knowledgeable team is therefore essential to achieve sustainable improvements and long-term success in any Lean initiative. Put simply, Lean will not work without an educated workforce.
Examples of Lean Healthcare Performance Metrics
o Improved patient satisfaction
o Increased operating room utilization
o Reduced time between procedures
o Lower tools and supplies inventory
o Reduced laboratory space
o Improved cost effectiveness
Lean Healthcare Accreditation
A new Lean Healthcare Green Belt Certification program (www.leanhealthcareservices.com) was recently developed to enable effective staff empowerment.
The on-line program represents the first International Healthcare Certification of its kind, and provides an essential ‘first step’ to not only understanding the theory but also the application of Lean tools and practices through detailed work assignments, in-line assessments, and final examination.
The program has been designed in association with the Irish Institute of Industrial Engineers, the Canadian Professional Logistics Institute, Lean Experts, and Healthcare Consultants in conjunction with the Leading Edge Group. It is open to personnel involved in any organization within the healthcare field, particularly those associated with hospitals, clinics, nursing homes, blood banks, laboratories, and pharmacies. Once these people have the ‘appropriate’ knowledge, they will be able to envisage and achieve results and, most importantly, meet the needs of patients now and in the future.
Please contact Joe Aherne CPA, Chief Executive Officer, Leading Edge Group, jaherne@leadingedge.ie; www.leanscm.com; www.leanhealthcareservices.com
Question and Answer
healthcare?
can i ask about the american healthcare system for my culture project.
1) do you have free universal healthcare, if not how much is it for an individual.
2)what is the most you would pay for a prescription.
3)what is the average life expectancy.
4)are you happy with the healthcare system.
5)what would you change about it.
6)are you afraid universal healthcare would bring socilism.
thank you.
Joe Aherne is a Certified Public Accountant, with over 25 years experience in the multinational sector. He also has attained qualifications from the Marketing Institute of Ireland and from CITY Bank in the U.S.
Joe established the Leading Edge Group in 1995 a niche boutique consulting company supporting the US multinational and SME sectors. The company is now recognized as one of the largest independent Lean consultancies in Europe with over 600 projects completed successfully since its inception.
Joe launched in April 2005 the new International Standard in Lean comprising 4 levels of certification and leading to a Masters Degree in Quality Management: Lean Master Black Belt. (www.leanscm.com & www.leanhealthcareservices.com ) He is currently leading a major international drive promoting the adoption of Lean healthcare philosophies and practices
Joe Aherne CPA, Charter House, Cobh, County Cork, Ireland +353 21 4855863
Marketsmonitor Releases Report on Saudi Arabian Healthcare Market Forecast to 2012
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According to a new report, “Saudi Arabian Healthcare Market Forecast to 2012”, the Saudi Arabian healthcare market is witnessing rapid growth and will continue to expand exponentially in future. The country’s rapidly increasing population, due to which demand is outpacing supply, can be regarded as the main push for the market. And as the incidences of a number of lifestyle diseases, such as obesity, diabetes and hypertension, in the country amongst the highest in the world, these will significantly boost the healthcare spending in future.
Government plays a central role in providing healthcare services in the kingdom, accounting for around 75% of the total healthcare spending in the country. The government accounted for 67% of the total hospitals and 77% of the total hospital beds in the country in 2006. The government expenditure on healthcare, however, is increasing faster than its total income; as a result, government may resort to cost cutting measures in future.
The report says that due to increasing pressure on the public healthcare system, the government is rapidly promoting the involvement of private healthcare in the country. So big investment will be seen from the private sector in the forecasted period, and according to our estimates, the private sector will account for 62% for all new beds installed during 2006-2012.
However, slump in crude oil prices due to economic recession can hit the nation’s economy. But the fast diversification of the country’s economy into other sectors will provide it a buffer against the severe impact of economic turmoil. Despite some challenges such as shortage of skilled workers, dependency on oil and bureaucratic issues, the market’s future will remain bright with all three sectors – hospital services, pharmaceuticals and medicals devices – expected to show sustained growth.
“Saudi Arabian Healthcare Market Forecast to 2012” gives an extensive and objective analysis on the Saudi Arabian healthcare market. It has segmented the healthcare industry into hospital services, pharmaceuticals and medical devices. It provides analytical and statistical information on these segments, including their market size, demand, supply, segmentation and key players. It also features an analysis on the future directions, supplemented with facts and figures. Thus, the report serves as a useful guide for healthcare companies, government officials, consultants and investors who are planning to enter the Saudi Arab healthcare market.
Our report provides forecast on
- Macroeconomic indicators
- Demographic and healthcare indicators
- Healthcare spending
- Demand for hospital beds
- Pharmaceutical market
- Medical devices market
Key questions answered in the report
- Which factors are driving the Saudi Arabia healthcare market?
- What is the past and present size of the healthcare market?
- What is the role of public and private sectors in providing healthcare?
- What is the total supply and demand for hospital services in Saudi Arab?
- What will be the demand, investment and infrastructure scenario in the hospital services market?
- What is the total size and future outlook of the pharmaceutical market?
- Who are the key players operating in the pharmaceutical market?
- What is the total size and future outlook of the medical devices market?
- What are the key challenges faced by the Saudi Arabia healthcare market?
For More detail Please Visit :- http://www.marketsmonitor.com/Report/IM173.htm
Question and Answer
Healthcare becomes universal then what happens to people like me that work in healthcare?
If healthcare gets revamped will I get CUT IN PAY? I am a X-ray tech. When everybody can afford healthcare, will I loose money?
I am confused if revamping healthcare is bad or good for me. I am for everybody getting great healthcare, but not for a pay cut that I worked hard for!
Paraprofessional Healthcare – Wide Range of Career Choices
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A healthcare paraprofessional performs specific medical tasks after clearing an institutional certificate exam. They do not require an occupational license to provide professional service. Healthcare paraprofessionals work directly under doctors and surgeons. An increase in aging population in the developed nations has pushed up the needs for the long term care.
There is a great demand of healthcare paraprofessionals in order to provide long-term care. Medical training programs are organized to constantly update medical skills for providing quality care. Healthcare programs provide adequate training for paraprofessionals in various medical fields. They can be trained in various fields like ophthalmology, mental health, dentistry and so on. Medical schools offer paraprofessional training to delegate functions of a medical professional. Medical programs at the graduate level for healthcare paraprofessionals offer externship and job exposure opportunities.
Most medical training programs have open enrollment policy for course initiation any time of the year. The minimum applicant eligibility criteria do not vary largely among healthcare schools. A high school diploma or equivalent is the primary eligibility for most paraprofessional medical training program. Nursing assistant programs require the passing grades in the qualifying examinations. All sectors of the healthcare industry are said to grow rapidly over the next decade. Paraprofessional medical training program can work best for a career in healthcare.
Medical programs for paraprofessionals train them to actively participate in treatment plans. They are trained to handle medical equipments, participate in major surgeries and offer diagnosis. A lot of technicians constitute medical paraprofessionals. Healthcare schools provide paraprofessional career options like medical record specialists and dental hygienists. Medical technician and health information officer positions can be obtained after passing the paraprofessional healthcare training programs. Medical technicians can perform multiple functions in different fields. Radiology and scan technicians perform CAT scans and ultrasound procedures. Cardiovascular technicians are paraprofessionals who perform primary scans for the medical review. Emergency medical technicians work on emergency care with the ambulances. Surgical medical paraprofessionals work in the operating room providing essential services with surgeries. Most medical paraprofessionals are paid according to the hourly basis.
Medical training programs for paraprofessionals can be pursued in a minimum of four years. An additional specialized healthcare program can be taken up for one or two years after that. Medical programs that offer paraprofessional training can help you to pursue advanced healthcare education. Medical undergraduates while training to be doctors can earn with the paraprofessional certificate. There has been a significant rise in the demand for medical paraprofessionals around the world. The increase in employment opportunity is as high as thirty five percent in certain industry sectors.
Medical healthcare programs which offer paraprofessional certificate courses will also provide a career break for many of their students in the healthcare industry. The global healthcare market is considered as the cure-pill for the current financial turmoil.
Question and Answer
Healthcare becomes universal then what happens to people like me that work in healthcare?
If healthcare gets revamped will I get CUT IN PAY? I am a X-ray tech. When everybody can afford healthcare, will I loose money?
I am confused if revamping healthcare is bad or good for me. I am for everybody getting great healthcare, but not for a pay cut that I worked hard for!
Gurnick Academy of Medical Arts is healthcare school offers extensive healthcare training and healthcare programs in California.
France: ‘Best’ Health Care?
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Forerunners healthcare is assisting international patients suffering from spleen problems and are wishing to have splenectomy but they can’t afford expensive surgery in their own native country and also because of the waiting list. Forerunners healthcare facilitate the international patients for undergoing their splenectomy conveniently without any compromise with their health. Splenectomy is the surgical removal of the spleen. The spleen is an organ located in the upper left part of the abdomen beneath the ribs and behind the stomach. The spleen filters blood to remove bacteria, parasites, and other organisms that can cause infection.
Splenectomy is the surgical removal of the spleen, which is an organ that is part of the lymphatic system. The spleen is a dark-purple, bean-shaped organ located in the upper left side of the abdomen, just behind the bottom of the rib cage. In adults, the spleen is about 4.8 X 2.8 X 1.6 in (12 X 7 X 4 cm) in size, and weighs about 4-5 oz (113-14 zg). Its functions include a role in the immune system; filtering foreign substances from the blood; removing worn-out blood cells from the blood; regulating blood flow to the liver; and sometimes storing blood cells. The storage of blood cells is called sequestration. In healthy adults, about 30% of blood platelets are sequestered in the spleen.
There are two diseases for which splenectomy is the only treatment-primary cancers of the spleen and a blood disorder called hereditary spherocytosis (HS). In HS, the absence of a specific protein in the red blood cell membrane leads to the formation of relatively fragile cells that are easily damaged when they pass through the spleen. The cell destruction does not occur elsewhere in the body and ends when the spleen is removed. HS can appear at any age, even in newborns, although doctors prefer to put off removing the spleen until the child is five or six years old.
Risks
The chief risk following splenectomy is overwhelming bacterial infection, or postsplenectomy sepsis. This vulnerability results from the body’s decreased ability to clear bacteria from the blood, and lowered levels of a protein in blood plasma that helps to fight viruses (immunoglobulin M). The risk of dying from infection after splenectomy is highest in children, especially in the first two years after surgery. The risk of postsplenectomy sepsis can be reduced by vaccinations before the operation. Some doctors also recommend a two-year course of penicillin following splenectomy or long-term treatment with ampicillin.
International patient can avail an excellent splenectomy in India and enjoy our best services, hospitality and expert doctors for the splenectomy in India. In India there are various packages offered for the splenectomy by the experienced expert doctors, motivating nurses, panel of expert professional staff. The splenectomy surgeons in India are highly qualified and gives you completely cure by providing the world class treatment in India. Almost many super specialty hospitals at Mumbai, Delhi, Chennai and Hyderabad in India have a separate special department on splenectomy treatment and are well built with world top class infrastructure. For more details on splenectomy in India visit http://www.forerunnershealthcare.com and enquiry@forerunnershealthcare.com
Question and Answer
Healthcare becomes universal then what happens to people like me that work in healthcare?
If healthcare gets revamped will I get CUT IN PAY? I am a X-ray tech. When everybody can afford healthcare, will I loose money?
I am confused if revamping healthcare is bad or good for me. I am for everybody getting great healthcare, but not for a pay cut that I worked hard for!
I am Doctor and international health consultant
HEALTH :: HEAVEN :: MUSIC VIDEO
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Upon graduation from high school, there is no doubt that you will surely start your tertiary education in college or university. At age twenty, children will not be covered by health insurance of their parents and this can be disastrous if they are merely study and do not do part-time job. Some universities or colleges may have insurance plan offered to students. These insurance may not answer all your needs but you need to be meticulously considered it.
Most of the universities and colleges offer student health insurance plans. These plans should absolutely be at reasonable price, and can give you the school’s nearest hospitals. This option is one that you should definitely think of, if your son or daughter is enrolled in a college far away from home.
College health care scheme may vary from college to college due to laws and some other factors. Many students may think medical services are free of charge, but it is not always true. In term of clinic visit or routine checkups they may be free, however students still require to pay for special kinds of lab tests and other specialties such as x-rays, prescriptions, and a wound treatment. Compensation usually covers some types of service stated in the health care offered at college health centre. When you are referred to see an outside doctor, then the coverage will cover only 70% of your total expense and you are at risk to pay high medical cost.
You may have a problem getting treatment at the campus health centre if you have pre-existing condition. Having a pre-existing condition or illness does not mean to prevent you from obtaining health insurance plan, but you may not be eligible to have your treatment on your pre-existing condition. It can be troublesome if your new symptoms develop from a pre-existing one.
Health schemes are different, so be sure you find out everything about your health insurance plans. Be sure that your health plan stretch to summer break when you or your child do not take classes. This is vital for you because you don’t want to find out that your health care does not cover when you need it most. Some college health insurances may not cover during summer break, while others do.
Be certain that you study your plan thoroughly. Is it an HMO, or can the member utilise any service provider they went? This is critical. You need to know where you can go in case of emergency, and there is nothing worse than discovering that you will have to pay off the bill yourself.
There is no definitive solution to whether you should or should not commit yourself to college health insurance. Be certain that you study your plan thoroughly so that it answer to your need when you need it most. Although there is no free health insurance scheme, surely it will save you a lot of money in time of illness or accident.
For more information, please visit http://www.health-care-central.com
Question and Answer
health>????????????????????????????????????????????????????????????????????????????????????????????????????
Question 31
Some of the possible health consequences that are associated with stimulants include
Question 31 answers
nervousness, irritability, confusion, and kidney damage.
nausea/vomiting, constipation, and coma.
chronic mental disorders and flashbacks.
loss of coordination, slurred speech, and loss of consciousness.
Question 32 text Question 32
Nonmedical use of _________can cause confusion, loss of consciousness, and dangerously slowed breathing. They can be smoked, injected, swallowed, or snorted.
Question 32 answers
hallucinogens
opiates
depressants
stimulants
Question 33 text Question 33
Acid, dots, snowmen, buttons and magic mushrooms are common street names for this type of drug. When they are used for nonmedical reasons they can cause confusion, anxiety, and even death. This type of drug is called a(n)
Question 33 answers
opiate.
hallucinogen.
depressant.
stimulant.
Question 34 text Question 34
________are drugs that can cause relaxation and fatigue. If used for nonmedical purposes, such as a date-rape drug, they can cause a person to lose his or her inhibitions, become disoriented, and forget what happened to them while on the drug.
Question 34 answers
Opiates
Hallucinogens
Depressants
Stimulants
Question 35 text Question 35
Which statement best describes drug abuse?
Question 35 answers
Drug abuse is the abuser’s choice and only affects the individual.
Drug abuse is an isolated behavior and has no relationship with violence or crime.
Drug abuse is not linked with any other physical, mental, or emotional injury.
Drug abuse is the abuser’s choice, but affects the health and safety of his or her family and society.
Health Care Central, the complete information website where you can find all you are looking for about your health care needs
Do You Need to Obtain a College Health Care Plan?
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Upon graduation from high school, there is no doubt that you will surely start your tertiary education in college or university. At age twenty, children will not be covered by health insurance of their parents and this can be disastrous if they are merely study and do not do part-time job. Some universities or colleges may have insurance plan offered to students. These insurance may not answer all your needs but you need to be meticulously considered it.
Most of the universities and colleges offer student health insurance plans. These plans should absolutely be at reasonable price, and can give you the school’s nearest hospitals. This option is one that you should definitely think of, if your son or daughter is enrolled in a college far away from home.
College health care scheme may vary from college to college due to laws and some other factors. Many students may think medical services are free of charge, but it is not always true. In term of clinic visit or routine checkups they may be free, however students still require to pay for special kinds of lab tests and other specialties such as x-rays, prescriptions, and a wound treatment. Compensation usually covers some types of service stated in the health care offered at college health centre. When you are referred to see an outside doctor, then the coverage will cover only 70% of your total expense and you are at risk to pay high medical cost.
You may have a problem getting treatment at the campus health centre if you have pre-existing condition. Having a pre-existing condition or illness does not mean to prevent you from obtaining health insurance plan, but you may not be eligible to have your treatment on your pre-existing condition. It can be troublesome if your new symptoms develop from a pre-existing one.
Health schemes are different, so be sure you find out everything about your health insurance plans. Be sure that your health plan stretch to summer break when you or your child do not take classes. This is vital for you because you don’t want to find out that your health care does not cover when you need it most. Some college health insurances may not cover during summer break, while others do.
Be certain that you study your plan thoroughly. Is it an HMO, or can the member utilise any service provider they went? This is critical. You need to know where you can go in case of emergency, and there is nothing worse than discovering that you will have to pay off the bill yourself.
There is no definitive solution to whether you should or should not commit yourself to college health insurance. Be certain that you study your plan thoroughly so that it answer to your need when you need it most. Although there is no free health insurance scheme, surely it will save you a lot of money in time of illness or accident.
For more information, please visit http://www.health-care-central.com
Question and Answer
health>????????????????????????????????????????????????????????????????????????????????????????????????????
Question 31
Some of the possible health consequences that are associated with stimulants include
Question 31 answers
nervousness, irritability, confusion, and kidney damage.
nausea/vomiting, constipation, and coma.
chronic mental disorders and flashbacks.
loss of coordination, slurred speech, and loss of consciousness.
Question 32 text Question 32
Nonmedical use of _________can cause confusion, loss of consciousness, and dangerously slowed breathing. They can be smoked, injected, swallowed, or snorted.
Question 32 answers
hallucinogens
opiates
depressants
stimulants
Question 33 text Question 33
Acid, dots, snowmen, buttons and magic mushrooms are common street names for this type of drug. When they are used for nonmedical reasons they can cause confusion, anxiety, and even death. This type of drug is called a(n)
Question 33 answers
opiate.
hallucinogen.
depressant.
stimulant.
Question 34 text Question 34
________are drugs that can cause relaxation and fatigue. If used for nonmedical purposes, such as a date-rape drug, they can cause a person to lose his or her inhibitions, become disoriented, and forget what happened to them while on the drug.
Question 34 answers
Opiates
Hallucinogens
Depressants
Stimulants
Question 35 text Question 35
Which statement best describes drug abuse?
Question 35 answers
Drug abuse is the abuser’s choice and only affects the individual.
Drug abuse is an isolated behavior and has no relationship with violence or crime.
Drug abuse is not linked with any other physical, mental, or emotional injury.
Drug abuse is the abuser’s choice, but affects the health and safety of his or her family and society.
Health Care Central, the complete information website where you can find all you are looking for about your health care needs
Understand all important informations around health insurance brokers
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If you are in the marketplace to purchase your own health insurance coverage you can save yourself precious time and money by shopping and comparing policies right on-line. Sites dedicated to giving you quotes on various types of insurance policy make it very easy for you to get an idea of what your coverage and prices will be. However, please be forewarned that there are some pitfalls in using an insurance agent as I discovered within the past year.
As a self employed person, I carry my own health and life insurance policy for my family. When making the move from New Jersey to North Carolina in 2004 I knew two things about our health insurance:
1. I would have to shop for a health insurance policy provider covering North Carolina.
2. Rates would be cheaper than in New Jersey, with prices being about half of what I had been paying and with slight better coverage.
Several weeks before we moved I contacted a well known internet insurance broker and received quotes. We selected one company and received the paperwork from the agent about ten days before our move. Quite frankly, I wish I had started the process a little earlier as all of our free time was dedicated toward preparing and making the move. So, I ended up packing the paperwork with my personal stuff and was only able to fill it out and submit it one week after our arrival in North Carolina.
Dealing with the on-line insurance agent was a simple task, but I soon discovered that they were an extra step in the covering work, one that only slowed down our approval.
Once the paperwork was received by the broker, they acknowledged the same via email and mentioned that they would review our package before forwarding it to the health insurance society.
Over the next couple of weeks we received messages from the insurance broker stating the following:
1. We are in the work of reviewing your application.
2. We have sent your covering off to the insurance policy society.
3. The insurance policy society has your covering and will be reviewing it in about one week.
4. The insurance company expects a delay in reviewing your application due to the high volume of applications received.
5. Please do not contact the insurance company directly; we will keep you posted as to the status of your application. Yeah, right.
Originally, we were assured by the insurance agent that the health insurance society would review and approve our covering within two weeks. Follow up phone calls by us to the broker along with several exchanges of emails revealed that this was not going to happen. In addition, when we contacted the health insurance policy society directly – at the encouragement of the agent – the health insurance society had difficulty finding our covering. Within a few days the covering was found sitting in another department; our contact at the health insurance society blamed the broker for sending the information to the wrong address.
As it turned out, the original insurance policy quote we received online was off by just over 20%. Once the health insurance society determined that certain pre existing conditions needed to be factored in our rates rose accordingly. Of course, when working with the internet agent we knew that the rate quoted wasn’t ‘absolute’ but the big jump was still a bitter pill to swallow.
Among our thoughts at that point in the process were:
1. Had we known ahead of time that our “final rate” would be so high, we would have shopped around some more.
2. Because of the delays and the passage of time, we needed to complete the covering process as our coverage with the NJ health provider would need to be canceled, preferably by the end of the year.
By the middle of December, a full ten weeks after we submitted our paperwork, we received official notification that our covering was approved and that we were covered. During the last couple of weeks of the lengthy application process we contacted the health insurance society directly several times to learn what the status of our application was. At no time during the process were we assured that we would receive approval; essentially we were told that coverage would begin pending approval.
In conclusion, I offer the following recommendations for shopping for health insurance:
1. Comparison shop on-line. Get quotations through the on-line brokers to get a general idea of what your prices will be. If you have pre-existing conditions, the prices quoted will not be reflected in your quote.
2. Narrow down the list of companies quoted to three and then contact them directly. Bypass the broker as they are an unnecessary additional step in what certainly is not a quick approval process.
3. If you need insurance by a particular date, apply well in advance to allow for delays, for misplaced paperwork, changes in your covering, etc. Our insurance coverage was approved effective a specific date, but we were able to move it to another date to coincide with the dropping of our NJ health care provider.
In all, the experience was wearisome at times and a real eye opener. I know you see ads all the time for online insurance policy quotes. I am not saying to avoid the sites, but please think what we went through before using an online agent exclusively.
Watch the video related
Senate Republican Leader Mitch McConnell speaks on the Senate floor decrying reports that a senator asked the Dept. of Health and Human Services to investigate a health insurance company that dared to warn its customers about potential Medicare cuts under Democrat health care legislation.
Help answer the question
Free health insurance in Indiana for pregnant women?
My husband and I don't have health insurance at the moment and I might be pregnant. I know in Kentucky you can get free health insurance if you're pregnant, is there anything like that in Indiana?
free health insurance
Learn main entropies nearly health insurance
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Health policy is projected to submit protection for curable, short-term health problems and allow policyholders to jump the NHS queues to see consultants, be diagnosed, receive surgery or be treated. That sounds fine, but before you buy you need to appreciated the treatments and situations that fall outside the scope of the cover.
But first a word of warning. This report performs not relate to any specific policy and the terms and conditions issued by individual policy companies do vary. So please find out you also check your insurance documents. After reading that article, you’ll know what to look out for!
Sorry – it is a chronic condition
If a condition can be cured and is not a long-term problem, your insurance organization will classify it as acute and should balance the cost. If your problem is incurable or it is a problem that, despite appropriate intervention, will be able to be in you for a long time, then your insurance company will classify it as chronic – and no, you won’t be covered.
But drawing a firm line between how is acute and how is chronic is fraught with troubles, and leads to the top neighborhood of conflict between insurer and policyholder.
Everyone agrees that diabetes and asthma are chronic conditions as you’re likely to suffer from them for the rest of your life. So those kinds of condition are not covered.
troubles arise when the medical team initially considers a patients’ illness to be curable, but the condition subsequently degenerates and the doctors change such a mind, it’s now become incurable. This can happen particularly in the service of some types of cancer.
In these considerations, the condition is initially defined as acute and is therefore insured, but deteriorates and gets chronic – and outside the terms of cover. This is possible as insurance companies keep the right to reclassify a condition from acute to chronic during intervention.
Sorry – it’s too long term
The insurance insurance organization will not pay out for long term intervention. But you need to check your insurance documents to see how they define “long-term”. You can come to find the situation where a course of drugs extends for say 12 months, but the insurance company will clearly pay for ten months.
Sorry – it’s preventative
Your insurance insurance policy is projected to pay for the treatment and cure of conditions when they arise. It is not projected to pay for treatments that are exhausted to prevent an illness.
Again, the challenges of definition arises. Sometimes it is arguable whether a care is preventative or a cure. Take the drug Herceptin for example. This drug can be used in the the beginning of stages of breast cancer. Research shows that Herceptin can halve the incidence of cancer coming back for women who have a particularly virulent form of the cancer known as HER2. In this situation, is Herceptin offering a cure or is it a preventative?
policy companies are split on the debate. Norwich Union, WPA, BUPA and Standard lifetime Healthcare serves to pay for Herceptin for HER2 patients whereas Legal and General and Axa PPP will not.
Sorry – the drug is not approved
Two of the main attractions for taking out health insurance are: to jump the queues at the NHS, and to get the newly drafted treatments and drugs. But there is a rider.
Unless the drug has been approved for use by the NHS in England and Wales, by the Institute for Health and Clinical Excellence, your insurance company is unlikely to approve its use. The question is that the Institute’s brief is not simply to find out whether a drug works, but to carry out a cost/benefit analysis to find out that the benefits to the nation outweigh the financial costs of using it in the NHS. Not an easy brief – and one that has placed the Institute under scrutiny for the extended delays in drug approval.
The compromise hit on by the Financial Ombudsman is this if a health insurance won’t pay for the use of experimental treatments, then it ought to meet the cost of an ratified conventional intervention provided the policyholder footing the bill for the balance if the experimental treatment is a greater amount of expensive.
Sorry – it is a existent transaction
The fundamental principle is that if you are already suffering from a condition when you start on a insurance policy, then that state of affairs “pre-exists” the insurance and any says for its service are invalid.
For this reason, insurance companies insist you complete an exhaustive questionnaire before they agree to insure you. After all they need a simple picture of your medical understanding before they quote. For many applications, the insurer will, providing your approval, also write to your GP for a small amount of details of your medical history. They like to own a complete picture.
So lets say There are those years ago you injured your knee fiddling football. It looked to recover but now it turns out that you have a torn cartilage and need an operation. The insurer could argue such a now is a pre-existing order and you have to pay for its’ treatment.
Some insurers try to accommodate such white areas with a moratorium provision within your policy. These provisions typically say overly so extended as you have been heard symptom free for two years relating to any condition you’ve suffered from within the last 5 years, then they will pay for subsequent intervention. Not all policies have these moratorium provisions and the time periods do fluctuate between insurance companies. You should carefully study your policy.
Sorry – its not covered
Health insurance insurance is an annual contract – clearly like your car insurance. So when it comes to renewal, your insurance company is at liberty to review not clearly your premium but moreover change the conditions on which your cover is provided.
Therefore, if your insurance policy comes up for renewal mid way within a course of intervention, it is possible to find that your new insurance policy no longer covers that particular treatment. This spells that you will undergo to lower end the plan for the meet of the treatment.
Moreover, through regular advances in medical research, more and a greater number of considerations are turning out treatable. This progress has the effect of shifting back the dividing line between chronic and acute conditions.
This hits the insurance companies’ pocket in two ways. With more conditions making reclassified as acute, the number of reports is raising. And there is also a trend for new treatments to lose more – Herceptin being a good example. The net result is this the insurance companies are finding themselves having to pay out far more. This is unavoidably passed returning to you through increased renewal premiums. And in an attempt to influence this possibility exposure, insurance companies have a trend to tweak their definitions and exclusions. This signifies that you must looked at your renewal find out closely before you decide to renew.
So when you are planning to Health policy, be aware that anything and everything is not constantly brown and white. And if you have got insurance and need treatment, constantly contact your insurance company without delay and get them to confirm that your treatment is indeed treated
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Help answer the question
Where can I get cheap or free health insurance?
Hi, I'm 21 years old and I'm currently employed in a part-time job.. However I have no health insurance and I am having an issue finding a carrier that would be cheap or free.. Andy ideas?
free health insurance
Where To Find Cheap Health Insurance In India
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The importance of Health Insurance, popularly known as Mediclaim has significantly increased in India in the recent years. Awareness and importance of health and health related issues has induced this growth. Along with the awareness, expenses on health care have seen a steady increase in recent years. Health care expenses can rise to a huge amount in a year, thus, in this situation, finding a cheap health insurance in India is matter of concern for the people. Health insurance generally covers hospitalization expenses including ailment or surgery. Health care and medical insurance can be categorized into Individual Medical Insurance, Group Medical Insurance and Overseas Medical Insurance.
Some of the leading insurance companies have come up with affordable health insurance policies. An affordable health insurance plan is designed to take complete care of the customer’s medical needs and requirements. There are certain benefits of an affordable health care insurance plan; it will secure your future. You will be relieved of meeting exorbitant expenses and other associated costs with an affordable health insurance policy. Whatever your age is, you will need to insure yourselves with a health insurance policy and health care plan. Amongst the most affordable health insurance plans, like Health Advantage Plus, Health Guard and Health first deserve special mention.
Buying a health insurance plan online is the cheapest way of securing your health. You can purchase your policy online with the help of a quote. Your digitally signed document is available in your online account. You can access it whenever you want to. Just log in to any of the popular health insurance website company, get a quote and purchase instantly. Worried about the premium calculation? Here is the answer:
The premium is based on the amount of the coverage of the person and whether he is opting for individual or group insurance. Payments for the health insurance premium can be made on a quarterly/half-yearly/monthly basis. These Affordable health plans not only reimburses your costs but also enables you to save up to Rs. 5099, stated under Section 80 D of the Income Tax Act. Thus, buying a health insurance plan is a major step towards making a better future!
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Help answer the question
How does health insurance work in the US?
I am a non-US citizen and need this information to do a case.
Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?
Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
Thanks to those who have responded so far.
I would like to further ask:
Does a health insurance contract state that it will only cover the "normal" rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?
Or is it a case in which the patient can opt for the more expensive one and "top-up" the difference?
This is a crucial question to my understanding the case. Thanks!
health insurance