A Guide To Choosing Child Health Insurance

Although all residents associated with Europe are supplied along with entry to health care through the Canadian government’s federal and comarcal programs, these programs do not provide protection for every health or circumstance. More on Canadian authorities health care protection.

The comarcal health care plans provide a point associated with health insurance for nearly all kids residing in Europe. The majority of large metropolitan areas in Canada have hospitals that are focused on treating kids. Although children’s mothers and fathers or adults aren't responsible for having to pay costs for their kids to receive treatment from this kind of hospitals, health coverage varies widely from province in order to province. Vision and oral protection across the comarcal plans range between comprehensive protection in order to absolutely no protection in any way. Prescribed drug expenses are often covered up to a specified percentage from the price, according to the province.

Kids, senior citizens, and cultural assistance people are generally 3 groups of people that are supplied along with protection with regard to health services that the open public health care program does not usually provide protection with regard to. These types of extra health advantages consist of eyesight, oral, prescription medications, healthcare gear, and services supplied by specialists. The kind and amount of protection for the extra health advantages varies in accordance with the actual province/territory associated with property.

Additional Kid Medical insurance
It is very important that you simply know what your own federal/provincial plan handles, how it works not, and types of protection may be well worth getting by means of supplemental child health insurance. In case your child does not are entitled to the actual protection associated with about hearing aids, prescription lenses, prescription medications, dental hygiene, healthcare gear, or several other health care services underneath the governments’ programs, supplemental child health insurance may be worth thinking about as many of such services can result in unanticipated, considerably high costs. With out supplemental protection in order to counteract this kind of expenses, your family may eventually encounter financial problems. While getting supplemental child health insurance may appear complicated and labor intensive, it is well worth the effort. You can purchase extra protection for more advantages by means of individual health insurance plans, or firm group health insurance programs, which are often offered by employers.

A Guide to Selecting Kid Medical insurance
When shopping for supplemental child health insurance, requesting the potential insurance carrier the appropriate inquiries ensures that you will enjoy the actual protection your kids need, in a price that satisfies your financial budget.

Listed here are some sample inquiries ask the insurance service provider:

What is the expense of protection for just one child and to pay for extra kids? Which kind of protection is supplied by the plan for the children along with special requirements? Does the plan protect current circumstances? What really does the plan consider to become an existing problem? Do they offer a patiently waiting time period prior to the plan becomes active? What exactly is covered underneath the plan? Does the plan provide protection outside of Europe? Do I need in order to alert my service provider if the child simply leaves Europe? Do you know the plan’s exeptions? Exactly what protection will the plan provide more than the federal government plan? So how exactly does my workplace’s health insurance protection beat the actual protection associated with supplemental insurance coverage? Does the plan protect special treatments or visits in order to specialists? What do I need to do if I want to routine an appointment using a specialist? Does the plan protect glasses/contacts, and when so , as much as what amount? Does the plan protect dental hygiene, and when so , what services are generally covered? How can i document the declare and just how will i get reimbursement with regard to promises underneath the plan? Which kind of prescription drug protection is supplied by the plan? Exist particular instances or exclusions whereby the prescription drug examine end up being covered? What will become the monthly expense of the plan, what ways of payment are generally approved? What happens if I miss the payment? Exist co-insurance or co-payments that I should be aware of? Do they offer a deductible that pertains to the plan? What is the value of the actual deductible and just how does it have an effect on my protection? How can I understand once i have attained the actual deductible?

Which Star Are You (quiz)?

I received this in an email, took it and circulated to several nurses that I know. Interestingly, we all ended up with the answer “Grace Kelly”. I don’t know if this is a nursing trait of my cohorts and I, or just circumstance.

Perhaps it’s an unofficial version of those personality trait tests that we’ve taken in college like the Strong-Campbell or Myers-Briggs. So, as a (female; sorry, that’s who it’s for) nurse, which star are you? And do you think this is appropriate for how you perceive yourself? 

Number your paper from 1 to 10, then answer each question with the choice that most describes you at this point in your life, and then add up the points that correspond with your answers.

1. Which describes your perfect date? A) Candlelight dinner for two B) Amusement Park C) Roller blading in the park D) Rock Concert E) Have dinner and see a movie F) Dinner at home with a loved one

2. What is your favorite type of music? A) Rock and Roll B) Alternative C) Soft Rock D) Classical E) Christian F) Jazz

3. What is your favorite type of movie? A) Comedy B) Horror C) Musical D) Romance E) Documentary F ) Mystery

4. Which of the following jobs would you choose if you were given only these choices? A) Waiter/Waitress B) Sports Player C) Teacher D) Policeman E) Bartender F) Business person

5. Which would you rather do if you had an hour to waste? A) Work out B) Make out C) Watch TV D) Listen to the radio E) Sleep F) Read

6. Of the following colors, which do you like best A) Yellow B) White C) Sky blue D) Teal E) Gold F) Red

7. Which one of the following would you like to eat right now? A) Ice cream B) Pizza C) Sushi D) Pasta E) Salad F) Lobster Tail

8. Which is your favorite holiday? A) Halloween B) Christmas C) New Year’s D) Valentine’s Day E) Thanksgiving F) Canada Day

9. If you could go to any of the following places, which would it be? A) Reno B) Spain C) Las Vegas D) Hawaii E) Hollywood F) British Columbia

10. Of the following, who would you rather spend time with? A) Someone who is smart B) Someone with good looks B) Someone with good looks C) Someone who is a party animal D)Someone who has fun all the time E) Someone who is very emotional F) Someone who is fun to be with

Now total up your points on each question: Note that each numbered question has its own and different matches. (The ‘-’ sign is only separating the letter from the number; it does not mean to subtract that amount.)

1 a-4 ; b-2 ; c-5 ; d-1 ; e-3 ; f-6

2. A-2 ; b-1 ; c-4 ; d-5 ; e-3 ; f-6

3. A-2 ; b-1 ; c-3 ; d-4;e-5 ; f-6

4. A-4 ; b-5 ; c-3 ; d-2 ; e-1 ; f-6

5. A-5 ; b-4 ; c-2 ; d-1 ; e-3 ; f-6

6. A-1 ; b-5 ; c-3 ; d-2 ; e-4 ; f-6

7. A-3 ; b-2 ; c-1 ; d-4 ; e-5 ; f-6

8. A-1 ; b-3 ; c-2 ; d-4 ; e-5 ; f -6

9. A-4 ; b-5 ; c-1 ; d-4 ; e-3 ; f-6

10. A-5 ; b-2 ; c-1 ; d-3 ; e-4 ; f-6

(10-17 points) You are MADONNA: You are wild and crazy and you know it. You know how to have fun, but you may take it to extremes. You know what you are doing though, and are much in control of your own life . People don’t always see things your way, but that doesn’t mean that you should do away with your beliefs. Try to remember that your wild spirit can lead to hurting yourself and others.

(18-26 points) You are DORIS DAY: You are fun, friendly, and popular! You are a real crowd pleaser. You have probably been out on the town your share of times, yet you come home with the values that your mother taught you. Marriage and children are very important to you, but only after you have fun. Don ‘t let the people you please influence you to stray.

(27-34 points) You are DEBBIE REYNOLDS: You are cute, and everyone loves you. You are a best friend that no one takes the chance of losing. You never hurt feelings and seldom have your own feelings hurt. Life is a breeze. You are witty, and calm most of the time. Just keep clear of back stabbers, and you are worry free.

(35-42 points) You are GRACE KELLY: You are a lover. Romance, flowers, and wine are all you need to enjoy yourself . You are serious about all commitments and are a family person. You call your Mom every Sunday, and never forget a Birthday.. Don ‘t let your passion for romance get confused with the real thing.

(43-50 points) You are KATHERINE HEPBURN: You are smart, a real thinker. Every situation is approached with a plan. You are very healthy in mind and body. You don’t take crap from anyone. You have only a couple of individuals that you consider ‘real friends’. You teach strong family values. Keep your feet planted in them, but don’t overlook a bad situation when it does happen.

(51-60 points) You are ELIZABETH TAYLOR: Everyone is in awe of you. You know what you want and how to get it. You have more friends than you know what to do with. Your word is your bond.. Everyone knows when you say something it is money in the bank. You attract the opposite sex. Your intelligence overwhelms most. Your memory is the next thing to photographic. Everyone admires you because you are so considerate and lovable. You know how to enjoy life and treat people right.

Usually I tune out the ads for medications on the TV or radio,...

Usually I tune out the ads for medications on the TV or radio, until they come to the part about side-effects.

Somehow the thought of a swollen throat or tongue, increasing thoughts of depression or suicide, bloody stools and “seek immediate attention for an erection lasting longer than four hours” makes the hair on the back of my neck stand up. (Wait, is that a side effect from something that I’m taking?)

And “may cause obsessive gambling or compulsive sexual behavior” makes me very leery of new medications on the market.

How to Get the Most Out of Florida Health Insurance Quotes

Are you in need of Florida health insurance for you or your family? You are, you may be required to buy your own health insurance, especially if you are self-employed or if your employer doesn’t have their own health insurance plan. When it comes to buying your own Florida health insurance, your goal should be quality coverage, but at an affordable price. To achieve your goal, you will need to need to rely heavily on Florida health insurance quotes.
Even if you have never bought Florida health insurance before, you likely already know what a Florida health insurance quote is, as insurance quotes are used for a number of insurance policies, including homeowners insurance or automobile insurance. Requesting a Florida heath insurance quote enables you to get an idea as to how much you would have to pay for insurance coverage. You are given an estimated cost of insurance by answering a few simple questions about yourself and your current health, as well as any previous health conditions.
One of the many reasons why you and all other Florida health insurance seekers are urged to request Florida health insurance quotes is because they are easy to get, not to mention free. With the internet, you could request multiple health insurance quotes in no time at all. In fact, you are urged to request more than one Florida health insurance quote. Multiple Florida health insurance quotes makes it easier for you to find adequate insurance coverage, but at the cheapest price.
As it was previously mentioned, the internet allows you to request multiple health insurance quotes in what may seem like no time at all. There are two ways that you can do this. One way involves finding the online websites of Florida health insurance companies. You can easily find these websites by performing a standard internet search. Once at the online website of a Florida health insurance company, you should be able to request a free Florida health insurance quote. You may receive a response in as little as a few minutes. As a reminder, the more quotes you request, the more insurance plans you will have to compare.
Although visiting the online websites of multiple Florida health insurance companies and requesting a free Florida health insurance quote from each is a great way to get quotes, there is an easier way. That way involves using online websites that aim to connect insurance seekers, like you, with quality and affordable health insurance. What is nice about these Florida health insurance quote websites, as they are often referred to, is that you don’t have to fill out multiple Florida health insurance quote forms. Most of these websites only require you to fill out one form and then they distribute them to reputable Florida health insurance companies. Not only will this eliminate most of the work that you have to do, but it is also quick and easy.
As outlined above, there are a couple of different ways that you can go about getting a Florida health insurance quote or even a number of them. Thanks to the internet and Florida health insurance quote websites, you can be on your way to having affordable health insurance in no time at all.

WHEN I OPEN THE CHART AND SEE 20 NEW UNEXPECTED ORDERS

I’m not feeling serious today.

This Tumblr blog has made me chuckle and think “Yep.” (Kudos to your creativity.)

But we don’t respond that way, except in our heads.

whatshouldwecallnursing:

This reminds me of when I was doing home health. It seems as...

This reminds me of when I was doing home health. It seems as though I was perpetually “on-call” and dreaded the sound of the phone ringing, or my pager.

I was so conditioned that some sort of communication device had to be strapped to me at all times.

I no longer do home health, and one day the conditioning to be available at a moment’s notice may go away.

Support Charity for Nurses

It’s rare that we hear about agencies that help nurses. Even more rare when nurses ask for help. 

In wandering around the Web today, I ran across a posting about Nurses House. This organization is nursed-managed and receives donations for nurses in need of short-term financial assistance due to illness, injury or disability.

During April 12th through May 12th (that includes Nurses Day on May 6th), they will be having a “Dolphins for Nurses” campaign to raise awareness of what they do, and to raise funds for the needs of other nurses. It’s limited geographically to the northeast US, and to large organizations such as hospitals, but it’s good to hear that there is something out there.

Who knows what one may need at some point in life? Ideally, you will go through your adult working life unscathed, finally hang up those comfortable (washable) shoes and only have to deal with expelled body fluids when the kids drop off the new grand kid for a few hours of their rest.

But there may be twists that we didn’t expect, and despite our best efforts of keeping our impervious nurse’s cape on, something slips a little kryptonite our way. 

Radical Wedding Weight Loss

Old Spice commercials came to mind as soon as I saw the photos accompanying 2 articles which I read today. You know the one the ones-“Look at ….. now back at…”. 

Yes, I know. What in the world does this have to do with weight loss? Look at the photos and you’ll understand. 

On the left, a woman who seem quite healthy. Certainly not needing… is that an NG tube? 

Then I saw the “after treatment” photo.

Different lighting, maybe without makeup, but the striking thing for me was the prominence of the clavicle, the overall thinning of the face and the hollowing of the eye sockets.

All of this to lose weight for a wedding gown!? Thank goodness it was medically supervised, and the articles do not report any deaths from this practice, which takes a person’s caloric intake down to 800 calories per day for up to 10 days. At a cost of $1,500.

Apparently, this has been a weight-loss practice in Europe for a while, now. 

I know that I may catch flak for considering this to be an extreme measure, especially considering that it is not something that will be long lasting once normal eating habits resume, but it seems a bit much. 

Yes, weight loss before “the big day” (yes, I am married, and do understand the stress of it all) is understandable. But the NG tube approach? Wow. 

Follow-up comments from the woman in the picture and from others can be found here.

As the new year quickly approaches many companies large and small will begin to develop their search engine optimization strategies for next year. Those who have already built their team will likely restructure just to stay competitive, and those who have not yet solved this immensely important marketing challenge will get ready to finally dive in. Regardless of which your company may be, one thing is clear: visibility in search is a must-have in-order to survive and be successful. Now, more than ever, Search simply cannot be ignored.

Twitter, Facebook, LinkedIn and now Google+ social networks are growing fast… You can't read the business or technology sections of your favorite newspaper or news web site without seeing these brands at least once per visit. Google has said it signed up more than 40 million users for Google+ since launching the service in June. Internet IPOs are also reaching what seems like a critical mass. Is the Internet about to see its second boom? Some are calling it "Internet Bubble 2.0".

With all of the continued buzz around SEO (Search engine optimization) and SMO (Social media optimization) business executives clearly see how search and social media isn't going away anytime soon. These social circles are driving America's largest marketing budgets, and will likely continue to do so far into the next few years.

So how does a company begin to harness the power of search and social media if they have not yet entered this important area of business? How to perfect it for those already involved? "By strategically investing in the right departments and employees who understand search and social media. Businesses which do not have a search or social media department should be looking to create one, and those without the desire to maintain these departments should outsource. Either way, search and social media should have a place within your businesses marketing budget for 2012″.

A recent report released by WebMarketing123 called the 2011 State of Digital Marketing Report revealed that although SEO (search engine optimization) is still the leading choice for online marketers, 60 percent of respondents said they plan to increase their budget for SMO (social media optimization) in 2012. Of over 500 marketing professionals polled, 68 percent said they've generated leads from either Facebook, Twitter or LinkedIn, while 55 percent have closed deals from social media leads.

Reports such as these prove that Search Engine Optimization plays a significant role in the success of your business, especially those using the Internet. Each day, more and more businesses are launching websites and the competition is obviously increasing. It isn't enough that your business merely exists. You need to either recruit educated staff who will have your best interests at heart or hire a knowledgeable SEO Company who can use the latest search engine approved techniques to promote your web site in major search engines in-order to maintain top positions on Google, Bing, Yahoo and within social networks.

"If your customers can't easily find you, they're going to find your competitors. Having a well cemented social media presence allows your prospects to connect with you on the social web in a way that is becoming - well, standard." said Alex R, a local search specialist for Los Angeles SEO Company, who helped contribute to this report.

"Many predict 2012 is going to be an active year for Internet marketing companies and social marketers. Businesses that take the time to develop strategic optimization programs which combine both social media marketing and search engine optimization are likely to see a heavy influx of new customers and business whether they sell products, information or are motivated to build their brands using the Internet" he added

Acute care hospitals in Pennsylvania want Congress to examine ambulatory surgery centers as a target for reimbursement cuts or other revenue measures. The hospitals believe that a review by the "super committee" charged with balancing the budget will show that ASCs are cherry picking lucrative commercially insured patients and shirking care for lower-paying Medicare, Medicaid and indigent care.

"We are asking the super committee to understand that hospitals nationwide have a $155 billion in cuts in the foreseeable future already on the table," as part of the Affordable Care Act,  said Michael P. Strazzella, senior vice president for Federal Relations & Political Development at the Hospital & Healthsystem Association of Pennsylvania.

"Those cuts include $9 billion in Pennsylvania alone. There needs to be some recognition that there are other people who can afford to take those kinds of cuts without impact the care they provide," he said.

A report last month by the Pennsylvania Health Care Cost Containment Council showed that there are 266 ASCs in the state, up from 72 one decade ago. The council reported that ASC total profit margins have exceeded 26% in each of the past three years, while acute care hospitals see margins averaged 5.2%. HAP says that is partly because Medicaid accounted for only 4.5% of ASC revenue in 2010, compared to 11.8% of general acute care outpatient revenue.

"The pressure on acute care hospitals is increasing because there is a larger demand on public and private payers. We are seeing more people lose their private insurance and move to Medicare and Medicaid, even as those payments have decreased," Strazzella told HealthLeaders Media.

In addition, Strazzella says Pennsylvania's acute care hospitals have seen their state Medicaid reimbursements cut by 4% in fiscal year 2011-12.

However, Pam Erdel, president of the Pennsylvania Ambulatory Surgery Association, says HAP is making an apples-to-oranges comparison on operating margins because ASCs and hospitals use different calculations. "For ASCs, the salaries paid to physician-owners are not counted as overhead. In the hospital that is all taken out before they report their operating margins. It would be similar to removing all the staff salaries from the operating costs of a hospital before calculating their margins," she says.

Erdel says two-thirds of ASCs nationwide provide care at reduced rates for patients who are underinsured or not uninsured. "We feel bad for hospitals in that they are having reduced rates, but we already started out with less. We get paid on average 56% of the rate that the hospital gets paid for doing the same procedure, because Medicare set it up that way," she says.

Erdel says it's ironic that HAP would target ASCs for criticism when "the most lucrative ASCs are owned by hospitals," and those hospitals belong to HAP. "I would love to bridge that relationship with the HAP because we have a lot to offer each other," she says.

Group Health Insurance Plan For Your Business

What is the cover offered on group health Insurance policy?
Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.
Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.
A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.
Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee’s medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee’s insurance premium.
With the new law passed by Congress, the employee’s net expenses for the group health insurance policy have been greatly reduced.
How can businesses benefit from this policy?
It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.
A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.
Although an employer is required to pay some percentage of an employee’s individual premium, which ranges from 25% to 50%, depending on the state’s laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependent, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you’re given that option, you should really consider it, Often, spouses and children can be included under such a plan.
What are the factors you need to watch for a good group health insurance policy?
Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.
One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.
Employers may use the guidelines below to select a health insurance plan that meets your needs:
Study the websites and brochures of the health insurance companies you have short listed to engage.
Make a comparison of their services, costs and what they pay.
Find out if there are services or illnesses that are excluded from the policy.
Take notes of the starting and ending dates of the insurance policy.
Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.
Stay away from policies that limit your choice as to whether you can choose a period to stay with them.
And finally stay away from any group health insurance policy that only covers limited diseases.
Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

Hospitals Ask For Help To Make Health Insurance More Affordable And Accessible

The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%).
“Cover the Uninsured Week,” which is observed nationally to highlight the importance of access to affordable health care benefits, has garnered particular attention in Texas where Gov. Rick Perry has localized the awareness effort by proclaiming April 23-29, 2007 as Cover the Uninsured Week in the Lone Star State.
“Everyone pays the price when individuals, families and small businesses cannot afford health insurance,” the Governor stated. “The increasing costs of uncompensated care place a strain on Texas hospitals, other health care providers and on the quality of care every patient receives. Texas recognizes the urgency to take meaningful steps to make health insurance more affordable and accessible.”
Nearly one quarter of Texas residents — approximately 5.5 million men, women and children — is uninsured. In addition, the uninsured rate in every major Texas city is higher than the national average, and Texas’ share of uninsured children, more than 25 percent, also is higher than the national average. In 2005, eight in 10 non-elderly uninsured Texans came from working families — nearly 70 percent from families with one or more full-time workers.
“Texas hospitals are working with our elected officials in the battle to provide health care coverage to more Texans through the private sector as well as state-funded programs such as Medicaid and the Children’s Health Insurance Program,” according to THA President/CEO Dan Stultz, M.D., FACP, FACHE. Stultz said, “We know that access to affordable health insurance affects all Texans — because we all pay the price when Texans don’t get the care they need.”
In addition to working to reverse cuts in Medicaid and CHIP funding, and restoring provider reimbursement rates, the THA supports a number of private-sector measures to increase the number of Texans with health insurance coverage. These measures include:
• H.B. 882 by Rep. Elliott Naishtat/Rep. John Davis (S.B. 922 by Sen. Kirk Watson) — These measures authorize counties to establish or participate in regional health care programs, which would provide health care services or benefits to the employees of small employers located in the participating counties.
• H.B. 1182 by Rep. John Davis — Requires that state agencies and school districts consider whether a vendor provides health care benefits or equivalent health savings benefits to its employees when awarding a contract for goods or services.
• S.B. 1023 by Sen. Royce West — Limits the use of money in the Texas Enterprise Fund to recipients that provide health benefit plans.
• H.B. 3321 by Rep. Vicki Truitt — Requires students to be enrolled in a health benefit plan and to submit proof of health insurance before enrollment at a public institution of higher education. • H.B. 3361 by Rep. Garnet Coleman (S.B. 1681 by Sen. Kip Averitt) — Requires that health care benefit plans allow unmarried children of any age to be covered under a parent’s or grandparent’s health insurance policy or plan if the cost of the premium is paid.
When uninsured Texans are sick, they currently often turn to hospital emergency rooms because they have no primary care physician. Stultz noted that nearly 20 percent of people who lack health insurance report turning to the ER for what is often routine care, compared to only three percent of those with insurance coverage, according to the National Coalition on Health Care.
“Using hospital emergency rooms for non-critical care takes precious time and scarce resources that doctors, nurses and other health care professionals could put to work for those patients who truly need life-saving care or intervention for serious medical conditions.” Adding that Texas hospitals spent more than $10.1 billion in 2005 to care for patients who have no health insurance, Stultz said, “The costs of uncompensated care strains our physicians’ and hospitals’ ability to provide quality care to all patients — regardless of their insurance status. It also places undue burdens on local taxpayers, workers and health care consumers.”
Health care experts say that increasing the number of people with health insurance will further enhance the quality of care and help reduce the losses that result from doctors and hospitals treating patients with no health insurance. Uncompensated care limits the financial resources available to invest in new technology, electronic communication, education and other enhancements that would improve patient care and outcomes for all patients.

Anna Odegaard, Why People Hate to Shop For Health Insurance ...

Most people would rather file their taxes than shop for health insurance.? And the person they trust the most for advice on choosing a health plan is, for better or worse, their mother.? Such are the findings of studies by the Consumers Union, the policy and action arm of Consumer Reports.
On May 14^th, Lynn Quincy of the Consumers Union presented highlights from three recent consumer testing studies to a work group that is helping design the Minnesota Health Insurance Exchange.?? The Exchange, which will launch in 2014, is a critical element of health reform.? Over one million Minnesotans are expected to use it to compare and purchase health plans and determine whether they?re eligible for public insurance programs or tax credits to make their health insurance more affordable.? A well-built Exchange can also offer increased protections and security to people buying insurance by making sure insurance companies play by the rules, and offer affordable, quality plans.
The studies found that people dread shopping for health insurance.? This may be obvious, but the implications are complex.? Because people want to get it over with, they take short cuts when comparing health plans, Quincy explained, and the short cuts often lead to uninformed choices.? Bad choices can result in people not having the insurance they need when they get sick.? And that, along with poor insurance options, can lead to inadequate care, unpayable bills, and for too many, even bankruptcy.
Here are some of the reasons people hate shopping for health insurance, according to the Consumers Union, and how the Exchange can try to help:

1. People can?t assess the value of different plans.? Most people don?t just want the cheapest plan, they want the plan with the best value ?? the one that offers the best coverage for the price. But most consumers find it hard to assess the value of different plans.? This is because the jargon is difficult (what is the difference between coinsurance, cost-sharing and co-pays?), the concepts aren?t clear (who pays 20%, the patient or the plan?), and many cost-sharing amounts are unknowable at the time people are purchasing health insurance.

2. People need a manageable number of choices.? The studies typically asked people to compare just two health plans at a time.? Even with that limited set of choices, people had trouble assessing value, for the reasons described above.? The report concludes that comparing a large number of plans, all with varying features is ?an impossible cognitive task.?? It?s not surprising, then, that behavioral research shows that an abundance of plan options does not help people make better choices, and that people generally prefer fewer choices that are truly different from each other to an unlimited number of choices.

3. People don?t trust insurance companies.? Even when people have access to good information about health plans, they don?t act on that information if they don?t trust the source.? And most people do not trust information they get from insurance companies. ?They believe insurers are ?tricky,? and they worry that important details will be hidden in fine print.? Many people don?t even trust what their employer has to say about the health plans they offer.? Who do people trust to give good advice about choosing a health plan?? Their mothers.? But let?s face it, our moms are as likely to have trouble understanding plans as everybody else!

So how can the Exchange help?? The Consumers Union recommends 3 priorities:
First of all, an Exchange could help people assess the value of plans by displaying the ?true insurance value? of each plan: how plans compare on total annual cost (premiums plus out-of-pocket costs) based on average health care expenses of populations similar to the person applying in age, family composition, and other characteristics.? That way people can compare one meaningful variable across plans, rather than trying to calculate premiums, co-pays, deductibles and coinsurance for each plan themselves.
Second,? an Exchange could choose to offer a manageable number of plans with meaningful differences between them.? It can do this by limiting the number of plans on the Exchange to the best value plans on the market and reducing the number of features that can vary between plans.? This will help consumers avoid ?choice paralysis,? the condition where an overload of choices leads consumers to make decisions that aren?t in their best interest.
Third, the Exchange will need to work hard to earn the people?s trust.? Better yet, it should work to earn the trust of our mothers.
This will be an ongoing endeavor, and the best strategy for success will be to ensure that consumers have a powerful voice in the policy-making process.? First steps should include keeping insurers off the Exchange?s board of directors, partnering with trusted community organizations to help people navigate the Exchange, and bargaining with insurers on behalf of consumers for high-quality plans at good prices.? If it can do this, shopping for health insurance on the Exchange could be more fun than filing your taxes, and truly improve access to quality health care in Minnesota.

Low Income Health Insurance

Finding affordable low income health insurance is in the best interests of your family and your finances in an emergency. With even the most basic and adequate insurance policies, you will have the peace of mind that comes with being covered. It is a guarantee that you will not encounter financial stress and not allow your family to be put at risk.
Your health is as important as any factor that has an effect on your long term finances, so finding the right low income health insurance makes sense. Even if HMO or PPO plans are too costly, your budget maybe able to afford some alternative medical coverage options. Many newer insurance agencies offer Health Savings Accounts and Mini Medical Insurance plans which are much more cost effective. Both charge lower premiums and are made to be feasible low income health insurance alternatives to the standard policies in the marketplace today.
Many are affordable for as little as fifty dollars a month, so it is well worth considering one of these lower income health insurance plans to see which might meet your families needs today. If the comprehensive plans used by most traditional HMO and PPO providers are too expensive for your home budgets, then go online and see what kind of quotes are available in your price range. Only a licensed insurance representative should actually advise you on the costs and policies of individual insurance plans, but they can determine if you qualify and make requests for quotes based on the local area where your family lives. They will also be able to help you find the best plan and figure out what alternatives will be best suited for your health insurance needs. Making and appointment to see an insurance agent is where you should begin your policy search.

Discover Health Insurance Price and Quotes – Find the Best Health Insurance

Whatever the importance involving obtaining medical care insurance, many individuals tend not to do that mainly because it might be quite expensive to find the right insurance plan. Some individuals have that notion that medical care insurance seriously isn’t significant. All the same, this can be an expensive idea eventually. There are usually some strategies which you can use to reduce the money necessary for medical health care insurance.
The most basic and very best strategy to assist you find cheap medical care insurance is for you to compare different providers. Each insurance firm is special in their services and charges that are available to the clients. Start by comparing the quotes from several companies that are close to you or via the net. This is usually an easier way to compare the insurance coverage and prices. So you could spend additional time evaluating the actual conditions involving the policies.
Another benefit for buying good medical care insurance is based on your medical condition and needs to ensure your protection. Depending around the coverage you select, you receive the health services to enable you to get every processing you should have for your specific situation. With no adequate medical care insurance plan, some people do not get to make use of these services, because they cannot afford the policy.
The more risky that you are and likely to suffer from certain medical conditions, then the higher quality is actually charged to you to make use of a special medical care insurance plan. A single practical determanation is typically to get a medical check-ups. It helps certain conditions to become identified and treated early.
There are usually agencies that may be dedicated to assist you find medical care insurance, if you have any existing medical predicament or not. These companies consists of experts who learn how to find a relatively inexpensive health insurance price approach, so that you could find the sort of insurance you should have on the budget that you could afford. Such services can control these elements because these kinds of experts really know what factors to consider.
There are hundreds of insurance firms that offer packages to use. The prices of medical care insurance is different for many reasons. The insurance company, which has more assets can afford to offer smaller fees and perhaps expand the terms involving payment of insurance. Small insurance firms have a large basic of assets, so they usually are a little more expensive plus a little stricter, as it relates to taking care the payment of insurance coverage charges.
When evaluating insurance prices, compare packages that best fits your budget and health situation. Compare each package that include the same level of protection plans and assistance for the holder of the insurance policies. Read the terms and conditions so you know the specific scope of coverage while considering the insurance package. This is going to help you to determine th unique worth of every dollar that you are contributing to the health insurance policy.

Health Insurance Laws

Soon, one will need to wonder in the event that we genuinely have affordable medical health insurance. Recently, america Congress passed a brand new healthcare law which will supposedly supply “healthcare coverage for those. ” The actual question in several American’s thoughts is: “Is it what these people say it will likely be? ”
Below current estimations, over thirty million Americans can get, or have to buy some type of healthcare insurance policy coverage which will have to happen through the year 2014. Experts studying the problem are developing strong views that within ten years there won’t be enough doctors to deal with all the brand new influx of somebody that has come to the system. Where will each one of these new doctors originate from?
Only a couple of years ago the actual American University of Physicians arrived on the scene with a powerful reminder that we will see the shortage associated with doctors merely due to the population explosion in the baby-boom era from the 1950s. This is compounded by the truth that the brand new health insurance laws and regulations regarding health care will quickly drop in to place increasing the query of regardless of whether we will genuinely have affordable medical health insurance or not really, as therefore eloquently place by Leader Barack Obama within his bid for that US presidential competition in 08.
Since the actual mid-90s towards the mid-2000s, the amount of people graduation dropped through half which were going to visit into practices to deal with patients. This really is quite contradictory towards the rules (or even intent) positioned down through the passing from the new health care law. One more thing to query is, typically, those individuals who currently possess insurance with regard to healthcare happen to be avoiding obtaining the treatment they need simply because they couldn’t pay it off to begin with. Statistics display that those who have gone without having healthcare tend to be sick more regularly and will not live so long.
It may be the opinion of the large share people citizens how the medical neighborhood is raking within huge profits using their endeavors. Experts within the field claim the alternative; that the actual medical field includes a very trim profit border. It is actually another opinion how the health insurance providers are producing huge profits simply by picking as well as choosing who they would like to insure. Quite simply, the insurance providers will refuse coverage of these with pre-existing problems and prevent them through getting insurance coverage or changing companies to obtain better protection or prices.
There is actually concern how the new healthcare laws may have a detrimental impact on the spend scale associated with existing as well as new doctors within the medical area. Their worries are how the government may have enough energy and control from the system and they will actually dictate their own pay. There’s also those that say how the insurance companies happen to be doing which. Some say how the government has already been pulling money in the Medicare system to begin covering the expense of the brand new laws. Kind of a “rob Peter to pay for Paul” affliction.
At time of the actual writing of the article, over sixty percent of america citizens believe the health care reform laws and regulations were place in writing far too prematurely. Additionally they feel how the laws had been enacted below duress. Those says disapproving from the laws are actually forming collectively is possess the law repealed. They tend to be banding together to create a large lawsuit against america government inside a declaration how the law is actually unconstitutional.

Health Insurance

I believe that the word insurance is well understood by the majorities. Therefor health insurance is an insurance that helps you manage the financial aspect of unforeseen health problems of uncertain loss. In a short sentence, insurance is compensation for uncertain loss that might occur, which you have prepared yourself for incase it happens.
Let’s say you are a salary earner, whether monthly or yearly. If you enroll for a health insurance program, you are required to pay certain amounts to the company you registered with. The money you pay every month will yield interest. Then when tragedy strikes and you are not capable of taken care of the situation, your insurance company will completely take care of the situation financially.
It is important to prepare and protect ourselves against any loss or damage, ranging from sickness, accidents to death. A personal type of insurance that one can take advantage of this is health insurance. Health insurance has great benefits like the rest. It helps you cover expenses incurred on hospitalization or certain illnesses. The insurance companies can directly carryout payment on your behalf.
With unforeseen occurrences increasing day by day, it is important to acquire health insurance to protect yourself from unexpected expenses resulting from immediate or sudden events. Such events might require you to pull out large sums of money that you might not have at the moment. Health insurance can also save you from costs of regular checkup fee and consultation fees.
The benefits of health insurance should not the overlooked due to some disadvantages. Its advantages overshadow its disadvantages. Your health is one most important part of your life. It’s your responsibility to look over it and properly maintain it. So in order not to be caught unaware by unforeseen occurrences, it’s wise to make appropriate arrangement that can help you overcome money problems. With health insurance you can take care of yourself and your family when you are financially down.
Moreover, there are certain things to keep in mind before going for health insurance programs. Before making a move, you should be well informed about your family’s medical reports or history. This is because some policies or programs do not extend their services to some part of your health. So, ask about the benefits of any health insurance program before you begin investing.
Experience has shown that so many persons have ignored the word insurance. Maybe, they are so certain of their future or they have no problem when it comes to spending. If you are among such persons, then you are among the foolish men walking the earth.
A popular saying goes; heath is wealth”. These words have meanings; it describes health as an important fact of life. Take advantage of health insurance programs. This is a program that is meant to take proper care of your health and body. Some chronic or harmful disorders can strike at any time. No one is praying for such, but the fact remains that many are suffering from sudden illnesses today. When these illnesses strike, they can be sometimes very expensive to cure. The cost of medical treatment is increasing every day, so it is important to face the reality and start planning for the future as soon as possible.

Single Health Insurance

Health insurance is by far one of the most important types of investment that person can own, especially for single people. Every year, millions and millions of individuals check into a hospital due to an unfortunate accident or illness. Those that live without a proper plan suffer the consequences of a steep bill that is accompanied with being sick. But with single health insurance, you have the opportunity to minimize the financial risks of your health, and the peace of mind knowing that you are protected.
Disability and group health insurance are usually provided to employees from employers that offer it through their benefits plan. Although this sounds great, keep in mind that most of the insurance coverage provided by employers are short term, and typically range for 2 years. Now, there are also long term insurance coverage that is available as well, but you usually have to wait around 3 months before being approved. If you feel uncertain about the type of single health insurance that caters to your needs, you should get some assistance from either from human resources or a reliable financial representative.
Another alternative to finding proper health insurance for single people is through private insurance companies. Some people find insurance and HMO plans to be quite frustrating and limited when it’s provided by a company. The internet has plenty of information and top companies available that can assist you, and help you get the competitive pricing that’s offered online. Do your due diligence in research, and you should be able to pick a handful of credible sources.
Before seeking out the right type of health insurance, also be aware about your financial situation. Your budget plays a critical role on the type of single health insurance you can have access to. Take a look at your spending, and decide whether your goal is more towards either an economical plan or high value benefits.

Employee Health Insurance

Employee health insurance is a welfare benefit plan for the employee that an employer establishes or maintains to provide health care for his employees and their dependants by securing an insurance coverage or through reimbursement to protect them against high and uncertain medical expenses.
Health insurance offered by an employer to his employees can be urgent or it can be provided as a routine. This type of insurance is usually regulated by the law of each country and every employer has an obligation to provide his employees with health insurance coverage.
It is a valuable benefit that an employer can offer to his employees as it is relatively cheap and also helps the employer to retain and attract good quality staff. In addition, it is connected with lower mortality and improved health outcomes, therefore employees who have health insurance are likely to be more productive workers.
When an employer provides health insurance to his employees, normally there are some conditions that are attached to it for instance the waiting duration before the benefit is effective for the new employees, it is mandatory that the employee has to be a full time worker or must be working for a certain number of hours in a week and also employers are required to facilitate the payment of the premium portion.
Employers who are operating small businesses with mainly low wage workers are less likely to provide health insurance to their employees because the high cost of underwriting as well as administering coverage for every employee in a workforce that is small usually increases the premium cost. Smaller companies usually have high employee turnover rates and this means that only a smaller percentage of the workers are likely to fulfill the waiting period that is required for enrollment.
In addition, most small firms do experience high business failure rates than larger companies and this means that they have higher incentives of keeping the costs of operating their business low. Due to lack of coverage at small firms, this can reflect the weaker tendencies of employees from small firms for reimbursement in terms of health insurance benefits in relation to wage income.
Although health insurance is important to an employee, it only forms a portion of the insurance package together with employees’ life insurance and employees’ retirement. Today, there are several companies offering this type of insurance policy and employers can easily contact them. However, to be able to get full information effectively and learn more about the various health insurance plans available, one can do this by searching online as every reputable insurance company has its own website online.
Any company website will offer you detailed information about the insurance company plans and programs and it is advisable for an employer to get several quotes from different insurance companies and then compare their prices in order to get a favorable plan. Also, before applying for an employee health insurance plan, you need to be familiar with the terms and conditions of the insurance plan and be satisfied that it will meet your needs.

Why You Need Florida Health Insurance

Did you know that uninsured persons receive less timely health care and less medical care? Well, this has been the case for a very long time according to researchers. Living without an appropriate insurance coverage is a gamble that one should never risk to take. More so if, the financial security is not very promising in the event that one incurs large medical expenses. Taking such a gamble might end up compromising on the quality of health services that one gets in case of sickness or a long hospital stay. Always keep in mind that, a single unforeseen serious illness that gets you to be in the hospital for a long time, may see you land into some financial disaster if you are not insured.
In 2011, Florida was ranked as the 33rd healthiest state to live in, by the 2011 edition of America’s Health Rankings. However, the fact that Florida is one of the healthiest states does not nullify the need for health insurance. Florida health insurance is important since it enables people to get quality health services. One can get this form of insurance from the risk pools that were introduced in 2011 with the primary purposes of offering health care insurance coverage to the people living in Florida. These are state sponsored programs that are aimed at helping people in Florida who have a history of medical related problems in their families enabling them to purchase for some form of coverage.
However, not everyone is eligible for these programs. They are only intended for people who can afford to purchase health insurances, but not able to get them in the private market due to some underlying health conditions. These programs vary from one state to the other in terms of both prices and the benefits. The best thing about these insurances is the fact that people can switch from one job to the other or even become self employed without necessarily losing their health insurance cover.
If finding affordable Florida health insurance sounds like an intimidating task, you don’t have to sweat it. This is because; there are several Florida state government health insurance resources where residents can get viable information about insurances. Some of them include:
• The Florida department of financial services- This is a place for consumers to check on their insurance companies and agents as well as access the consumer hotline for the state to file any complaints they may be having regarding their health insurances.
• Floridahealthfinder.gov- This is a website that is run by the state of Florida where consumers can connect with information on healthcare services. The site also contains some PDF guides that consumers can download and read more.
• Florida department of health- This is the government’s official Web site for the department that is responsible for health care services for the people in Florida.
• Florida kid care- This is a program that seeks to help children who are under the age of 19 years to get health insurance cover.
Given that shopping for health care plans from various companies can be a confusing process, you can always rely on some certified specialists to help you customize a plan that fits you as an individual or as a group. They will also help you settle on quotes that best suit your financial plans.

Health Insurance For All

Health insurance for all has become increasingly popular within the past decade. Both doctors and health insurance providers can agree that health problems will be around forever, and individuals need a financial program in place in order to stay protected. A person’s health and wellbeing is only as good as the type of treatment that they can have access to when they are sick. That’s why health insurance for all is critical, and it enables everyone to receive proper treatment, while minimizing the expense that comes along with it.
In order to have proper and adequate health insurance, you must be financially stable as well. New forms of diseases and illnesses are encountered every year, and doctors are constantly finding new medicinal solutions to these problems. With that being said, it can easily be understood why health insurance can be somewhat pricey, but is definitely a necessity. Your health is you number one priority, and should be considered the most important investment of all.
There are plenty types of health insurance for all out there that can fit everyone’s needs and lifestyle. There seems to be a policy out there for everybody, and it only takes a few days of personal research in order to find your appropriate plan. Make sure that you spend adequate time exposing yourself to the many policies available before picking one, and that way you’ll be fully knowledgeable on your purchase.
For example, some people would prefer buying a health insurance plans that covers only the hospital charges. As compared with those that have some extra spending money, they might want to include a health insurance plan that connects to a life insurance component as well. Regardless of the vast variety of policies available, each and every one of them has one purpose in mind, which is to provide adequate protection for your finances when dealing with health problems.

Reasons Why Health Insurance is Important to Have

With the way the economy is, no one wants to pay full price for CA health insurance especially if they have to make frequent trips to the doctor or hospital due to conditions that have affected them mentally or physically throughout the years. Another important reason why health insurance is important is because of the care you are receiving. The cost and care are very important when it comes to obtaining health insurance because those two reasons can help you get on the right track to having better health.
Whether you go to a hospital or a doctor’s office it is going to cost you a lot of money as long as you do not have insurance, which may be money you need to help you pay your bills. By spending money on health insurance, you are saving an enourmous amount of money that you would be spending if you were to pay full price for your doctor or hospital visits. Having health insurance will also prevent you from going into debt because you will pay for all of your visits with a copay that is an easy amount to manage.
Many people may not know this but if you do not have insurance, you will receive the least amount of care. That is one of the reasons why one of the first questions they ask you if you have insurance once you are admitted into the hospital because they want to determine the kind of care they can give you. Without health insurance, all they can do for you is give you some pain killers and send you home.
If you are concerned about the price you would be spending on CA health insurance, there are places where you can purchase it for a cheaper price. Instead of thinking about the amount you would be spending think about how much it can help you and prevent you from going into debt. You also want to think about the kind of care you will be getting and you may need it depending on the reason you are going to the hospital or doctor.

Cheap Health Insurance

Health insurance covers families and individuals against injury, accidents or illness. This type of insurance cover is quite important; in fact without good health life will seem non-romantic and faded. Nowadays, private clinics are becoming big industries where large percentage of our income goes to in form of consultation, medical tests and expensive medication. Magazines and newspapers are full of bad news with new types of diseases and little news about their remedies.
It is important to note that health insurance just like life insurance is quite invaluable. This is because the insurer will pay for the medical expenses of the insured incase the client gets an accident, admitted to a hospital or becomes sick. In fact, health insurance covers a wide range of expenses that include medical tests expenses, doctors’ consultancy fees, operation costs, post operation costs, hospital expenses and house nurses expenses after getting discharged from the hospital. The following are some of cases that are usually included in this form of insurance policy.
Hazardous or Normal illness Regular illness such as viral sicknesses and diseases are covered. Also covered in this category are major operations such as organ transplantation and cordial cases.
Accident Surgeries The medical expenses billed by the insurer in case the insured gets an accident and he/she is hospitalized.
Dental Cases This becomes quite controversial in regard to health insurance. This is so because there are so many complaints registered by Insurance companies each day. Most of the insurance firms do not give protection in this case. Therefore it is also advising before sealing your insurance cover contract you should be in terms with your insurer regarding this.
Tumor or Cancer Cases This will cover your expenses during operation and treatment. This will only be the case if you have no any pre-existing condition that is associated with tumor or cancer.