Health resource » Health Care

Rep. Stupak Questions Witnesses On Rescission Triggers

Sun, 22 Nov 2009 03:48:24 +0000

Cheap health insurance has become the issue of the moment in South Carolina and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and state legislation that would allow small businesses to purchase cheap medical insurance in pools. In the meantime South Carolina and other states are looking to cut the costs of the Medicare and Medicaid health insurance programs for the elderly and the poor. However, more affordable forms of health insurance plans are available as some private companies are experimenting with a new variation of cheap health insurance known as health discount plans. In the article that follows we’ll explain the various aspects of cheap health insurance in South Carolina and how to find a plan that works for you.

Health Care Costs due to Managed Health Care

The current health care system in America is inaccessible to approximately 47 million poor and lower middle class people. In order to address the growing health care insurance crisis in the U.S. that resulted in health care cost growth in the 1970s and 1980s, health maintenance organizations (HMOs) sprung up. These were initially as non-profit groups designed to separate unnecessary tests and treatments from those that the patient required in an effort to keep costs down. Managed care organizations began screening requested procedures by physicians to pre-authorize what the HMO would or would not cover. However, the number of people who are the riskiest to insure-diabetics, cancer, etc.-continues to rise. Many South Carolina managed care industry experts say the cost of cheap health insurance is still high because of the existing pool of insured people who use the health care system more than an average amount.

The other battle that is ongoing in South Carolina involves the health insurance companies and hospitals, the latter which cannot turn anyone away from care by law. However, as the number of South Carolinians who cannot afford cheap health insurance increases, hospital emergency rooms are handling the majority of the load. More people have to turn to hospitals as their primary health care givers given a lack of adequate or non-existant health insurance coverage.

Cheap Health Insurance Plans Through the Workplace

Most cheap medical insurance policies in South Carolina are usually written through group coverage offered at work by your employer through a private South Carolina cheap health insurance company. This is usually the more cost effective way to purchase cheap health insurance now available since a large number of employees allows South Carolina companies to reduce their insurance premiums. Similar to buying in bulk, the more health insurance plans a business can purchase for its employees the less expensive the insurance is per employee. In South Carolina, like the rest of the nation, the number of companies that can provide cheap health insurance for their employees is declining.

Personal Health Insurance Plans

Health insurance plans can be purchased by individuals and families from virtually every insurance provider in South Carolina. Trying to purchase health insurance on an individual basis can be more expensive if the person already has a health problem, known as a pre-existing condition. Many companies will not cover people with pre-existing conditions if they have no continuation of coverage-renewing health insurance coverage after only a prescribed short period of time-picked up from an earlier cheap health insurance policy.

South Carolina Health Insurance Pool

The South Carolina Health Insurance Pool is a state health insurance plan designed to provide coverage for those that either do not have or have lost medical coverage at no fault of their own and are uninsurable. The pool was created by the General Assembly to help people who couldn’t get health insurance coverage from any other source, including people with certain disabilities. Blue Cross and Blue Shield of South Carolina currently administers the pool.

Coverage is available to a person who has been a state resident for at least 30 days and meets the following criteria:

They were turned down for private health insurance coverage for health reasons;
They were accepted for private health insurance, but have pre-existing illnesses or conditions excluded from coverage, for a period exceeding 12 months;
They are paying health insurance premiums for comparable coverage which are more than 150 percent of the premium levels charged by the pool;
In certain situations, other individuals whose last health insurance coverage was an employer based group health plan may be eligible for coverage.

No matter what your age, there are also several federally sponsored programs to help you if can’t afford the premiums for individual health insurance, providing you meet their eligibility guidelines.

Medicare, a health insurance program for people age 65 or older, certain younger people with disabilities, and people with end-stage renal disease.
Medicaid, a program for the poorest individuals and low-income families with children.
The Children’s Health Insurance Program (CHIP), a plan that provides health care to children whose parents make too much to qualify for Medicaid, but earn too little to afford individual health insurance.

Types of Cheap Health Insurance Coverage

Cheap health insurance plans generally fall into one of two categories: indemnity plans and managed care plans (HMOs, PPOs or POS plans). An indemnity plan allows you to choose your own doctors and pays for your medical expenses totally, in part, or up to a specified amount. Managed care plans generally provide broader coverage within a specified network of health-care providers.

Although you can purchase cheap health insurance plans that cover specific areas of health care (surgical, hospital, physician expense plans) most plans cover varying degrees of health care in a number of different areas. This health insurance coverage, known as major medical insurance, offers extremely broad coverage with a very high maximum benefit that’s designed to protect you against losses from catastrophic illness or injury.

When comparing cheap medical insurance plans, check to see if they provide additional benefits that you may need, including prescription drugs, preventive care, mental health benefits, maternity care, and vision care. A comparison of various health insurance policies and rates through many South Carolina health insurance companies can be obtained at www.insurances.sc.

Cheap Health Insurance Recipient Costs

With most cheap health insurance policies available in South Carolina, the way to control cost is to cut down on the out-of-pocket expenses. Since most health care insurance policies require you to make a co-payment (the amount you pay a health care provider with every visit), anything involving a lot of time spent in the doctor or dentist’s office can become expensive. Most also require a deductible (costs you must cover out of your pocket for any major expense before your cheap health insurance policy picks up the remaining costs). You may also have coinsurance, the percentage of cheap medical insurance cost you will still have to pay after you reach your deductibles.

Another thing to consider is COBRA health insurance. This law allows employees who leave a job the ability to stay on that South Carolina company’s employee health insurance for up to 18 months although they have to pay the full amount of the coverage. Check the COBRA benefits to see if purchasing a less expensive individual health insurance plan may be in your best interest.

How to Buy Cheap Health Insurance

If you need to purchase individual health insurance, it can be expensive. Unlike group plans, in which the costs and risks associated with health care are spread among many people; individual health policies are “medically underwritten” to take into account your personal health history. Any “pre-existing” condition such as heart disease, diabetes, and even pregnancy, can nix your chances of acceptance or boost your premiums.

To determine the acceptability of a particular applicant, a health insurance underwriter can require information regarding the following:

The individual’s age: Age determines rates and whether coverage will be issued at all.
The individual’s gender: at younger ages, males have a lower rate of illness and injury than females. That changes by age sixty.
The individual’s health history and physical condition: Someone who has had a previous condition that can contribute to a future illness/injury is not considered an ideal risk. In response to a less than ideal medical history, modified coverage may be offered depending on the individual’s health, higher than normal premiums may be issued, or the person may be denied coverage altogether.
The individual’s occupation and hobbies: Some occupations such as construction workers have higher insurance rates, along with people who enjoy dangerous activities such as skydiving or bungee jumping. At times certain occupations are considered so hazardous that insurance companies will not cover them at all.

Your first step in getting cheap health insurance coverage is to understand exactly what you need. Think carefully about what coverage you must have. Do you need health insurance for your whole family, or just yourself? Do you want to choose your providers? If you’re over 65, do you need insurance to fill the gaps in Medicare? Do you need – and can you afford – long-term disability and/or long term care coverage? Even if you begin by soliciting cheap health insurance quotes you must still know exactly what you want in terms of health insurance coverage so you will be comparing apples to apples when weighing any cheap health insurance premium quote.

After that, contact a South Carolina insurance agent in your area. Ideally, you can start with an independent South Carolina insurance agent who is familiar with the insurance companies that do business in your area. This agent is also not bound to write coverage for any particular health insurance company so he or she can give you an honest appraisal of various health insurance policies.

When you’ve found the right coverage, you’ll give information to your agent to complete the necessary forms. Be honest. It’s important to disclose your medical history thoroughly and accurately. Report all of your health problems to your agent. If any of your health information is misstated or incomplete, the company might refuse to pay your claims and could cancel your policy.

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David Himmelstein, Associate Professor of Medicine at Harvard University, testifies at a hearing investigating ways to reduce the cost of health insurance for employers, employees and their families on April 23, 2009.

Help answer the question about health insurance

What reputable health insurance companies are out there?
My mom doesn’t have health insurance and my job doesn’t give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don’t get paid that much?
We live in northern california.

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Cheap Health Insurance
Health Insurance Plans
Cheap Medical Insurance

Health Care Costs for Small Biz

Sun, 04 Oct 2009 18:17:15 +0000

Funny thing pain, if you’ve never had a severe pain then the suggestion of taking simple analgesia and resting the affected area all seems quite reasonable. I was reminded of this when I read recently of a doctor’s advice to someone who was suffering from sciatica. Having personally experienced sciatica, it’s a condition I would not recommend to anyone who wishes to walk, sit, laugh, sleep, or to just simply pull up your trousers. It’s a bit like a dentist drilling your teeth without an anaesthetic, but it affects your whole leg. In other words the pain is consuming, exhausting and without respite. Clinical studies do show that in the majority of cases the pain will eventually subside and surgery may not be necessary, but in the meantime the patient has to deal with the pain or deal with the medication required to dull the pain. Remember, pain-killers are not selective to the area affected. They affect the whole of the nervous system and elsewhere so there may be significant side-effects from these medications.

Dealing with severe pain can be a complex issue, but I suggest that you have to treat this sort of pain fairly aggressively as acute severe pain is relatively easier to treat than chronic severe pain. In the early stages of an injury or insult to an area of the body, most of the pathological processes are happening at the site of the injury or insult. Throughout time the brain begins to modulate this pain and so no only do you have the injured area to deal with, but you also have complex neural pathways within the brain to deal with as well. This often means a far more complex management plan and a far more protracted recovery time. Specialists are very skilled at dealing with these issues but they do rely heavily on the stories their patients give them. That means being honest in answering their questions and not being heroic with a grin and bear it grimace! Often the use of a pain scale is helpful with zero being no pain at all and a 10 being the worse pain you have ever experienced.

Another health issue we commonly down play is influenza. Over the years I have frequently heard people say that they would not have the flu vaccine because either they never get the flu or that they had it last week for a couple of days and then it was all over! Influenza is a serious debilitating disease that will usually last from 10 days to two weeks and often leave you flat on your back exhausted. It’s not a happy 10 days either as patients do not have the energy to read a magazine or even watch a DVD. You will literally feel ancient with every movement being a real challenge and that doesn’t include the aching all over or the fevers and sleepless nights. The influenza virus is also extremely contagious and most people are unaware that if you spread it to someone who is more frail than yourself that you may actually be putting their life at risk.

With the ‘flu the big challenge is to vaccinate as many people in the community as possible, including children, those employed and unemployed, the elderly and the infirm, to reduce the chance of an epidemic occurring. Recent research has also showed that vaccinating pregnant women in the last trimester of their pregnancy will help protect their new born infants born during the ‘flu season.

Medicine has evolved over the last 40 years, but the change has been fairly slow with doctors by nature being very cautious and conservative people. But we can’t leave the doctors to take all the initiatives. As patients we need to be good listeners in our approach to health by heeding all the great health messages that keep being given to us about vaccinations, smoking, alcohol, exercise and healthy eating. We also need to be good communicators and tell our doctors how we are feeling with conditions such as pain. If the team treating you doesn’t have the best information then it may be that you will not end up getting the best treatment!

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SBE President Karen Kerrigan on the impact of higher health-care costs on small businesses.

Help answer the question about health care

Do you know the difference between health care and health care coverage?
I see a lot of posts on here saying that we have the best health care in the world and the evidence is that people come here from other countries to get care. I agree that we have the best health CARE in the world.

What is being discussed is health care coverage, not health care. That is, the way health care is paid for.

Do you understand the difference?

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HBF Health Funds, the largest health insurance provider in Western Australia.

Spiraling Health Care Costs

Mon, 07 Sep 2009 18:02:40 +0000

Americans are deeply unhappy with the country’s health care programs and costs. And rightly so. As one author observed, “A recent survey showed that only 17 percent of respondents in the United States were content with their health-care system . . . Why the discontent? The superficial reasons are simple enough to describe: the system is hugely expensive, very bureaucratic, and extremely patchy. The expenses first: U.S. health care costs a third more, per person, than that of the closest rival, superrich Switzerland, and twice what many European countries spend. The United States government alone spends more per person than the combination of public and private expenditure in Britain, despite the fact that the British government provides free health care for all residents.”

The United States pays more for health care per capita than any other industrialized nation — and even then, Medicare is not a comprehensive, pay-for-everything national health program like those of many nations and United States per capita health care costs continue to escalate rapidly.

Here’s what you need to know about health care costs as you plan for retirement.

Americans age sixty-five and over spend four times more on health care on average than do Americans under the age of sixty-five. At the outset of this decade, the average per capita health-care outlay for a person under the age of sixty-file was about $2,800. For people over the age of sixty-five, it was $11,089. And for Americans ages eighty-five and older it was $20,001. Clearly, health care outlays are likely to get substantially larger as you age. You need to plan for them.

U.S. health care expenses have grown mightily. U.S. health care expenses have dramatically escalated each year as new medications, new treatments, diagnostic tools, and health care innovations have come onto the market.

For example, the median nationwide cost for a hospital stay — excluding physicians charges — was $11,280 in 1997; by 2004 it was almost double at $20,455. The average total cost for treating a heart attack climbed 40 percent in just seven years. All in, health care costs have escalated fast and the increases are gaining momentum.

Health care costs are likely to continue to grow unabated. Unlike in other countries, no laws meaningfully curb the continual climb of health care and drug costs in the United States. For example, many Americans continue to import drugs from Canada because Canadian prices are significantly lower. This is true even though the new Medicare Features introduced in 2006 offset the cost of pharmaceuticals for U.S. retirees. To curb the cost of medicines, Canada prohibits drug companies from advertising on its television channels. In the United States, on the other hand, the very legislation that created the new Medicare drug benefit (Part D) expressly prohibits the federal government from attempting to negotiate lower prices with drug companies.

Count on it: medical costs are sky-high and likely to keep climbing unless there is a radical overhaul of the system.

More and more corporations are cutting back on health care benefits as medical costs soar. Recent statistics show companies cutting health care benefits and requiring employees and retirees to pay more for them. As one survey of corporate benefit trends concluded, “[Benefit] reductions have become not just common, but expected, with the only question now being of how much more of a reduction in benefits and or an increase in cost will be directly placed on individuals . . . In the end . . . individuals, either as taxpayers or consumers, will need to pay the bill.

I believe this trend will gain greater momentum over the next decades. It will be part and parcel of the continuing erosion of employment benefits — like the demise of traditional pensions — that is taking place throughout the country. Just like pensions, more and more health-care expense is going to become a do-it-yourself responsibility because heath care insurance costs are simply becoming too great for companies to shoulder competitively.

Taken all together, you can count on: (1) higher and higher health care costs, (2) more health-care-benefit cutbacks by U.S. employers, (3) the need to factor large health-care expenses into your funding plans, and (4) the need to buy supplemental health-care insurance to shield your savings from cost attack.

Of course, these views will not come as a surprise to most folks. Recent polls show that — immediately after the foremost financial concern of having enough money for retirement — the next great concern of most Americans is health care. More than half of adult Americans are “very worried” or “moderately worried” about being able to pay for serious illness or catastrophic health-care expense.

The above is an excerpt from the book Cash-Rich Retirement

by Jim Schlagheck

Published by St. Martin’s Press; March 2008;$24.95US/$31.00CAN; 978-0-312-37740-3

Author

Jim Schlagheck is an author, banker, longtime advisor to the ultrawealthy, and the coproducer of the public television series Retirement Revolution. He has written numerous articles on investing, retirement, and finance, and is also an acclaimed speaker who describes better ways for retirement readiness to audiences of wealth-management professionals and lay investors nationwide.

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Having practiced medicine for over 30 years, Congressman Paul gives his perspective on the past and future of medicine in this country, and the effects of government and special interests on quality, costs and access.

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About Author

Jim Schlagheck is an author, banker, longtime advisor to the ultrawealthy, and the coproducer of the public television series Retirement Revolution.

Social Justice Through Health Care

Sun, 06 Sep 2009 18:02:43 +0000

SOCIAL JUSTICE THROUGH HEALTH CARE

We hardly come across a person who may be fully satisfied with the health care delivery system run by either the government or the private sector. This is true not only for developing but for all the developed countries as well. Every law abiding, contributing individual has some legitimate expectations from the state. Disenchantment with present dispensation of health care compels people to seek better options across the borders. Even the present flow rate of patients from developed to developing countries has assumed the proportions of Medical tourism. Medical tourism is not a one-way traffic. Poor from India are known to visit Rashid Hospital at Lahore for kidney transplants. Medical tourism will definitely bring in world class equipment and services in our corporate hospitals. These corporate tertiary care hospitals can act as excellent referral hospitals. Lack of enough clinical material, as the patients are often referred to in medical parleyences is prompting the doctors from developed world into medical adventurism. Very recently two NGO’s headed by renowned plastic surgeons of Indian origin were in India, claiming to their credit hundreds of cleft lip and palate surgeries conducted in one week. During my brief interaction when I asked them one basic question that how do you justify single step surgery by a single specialist for a clinical entity that require 3-5 set up surgeries by 10 specialists over a period of 20 years, there was no answer. On record local doctors conduct all these surgeries. These NGO’s bring in a battery of trainee resident doctors for hands on training. Dumping of questionable services and drugs continues unabated in the absence of stringent regulations. Clear-cut up to date guidelines by health authorities have yet to be issued to safe guard the health interests of this nation. Most of the drugs banned in developed countries are still being dumped in the Indian market. Commerce alone dictates the policies of multinational companies in health sector of developing countries. State and national medical councils, the watch dogs of our national health interests are controlled by elected representatives from among the doctors. Competitive populism for being elected to these high offices takes away the very sting off these regulators. In this ‘market forces’ driven health sector, apart from other factors, size of the population, economic prosperity and literacy levels dictate the out look of key players. Subjective as well as objective assessments of the health care operations leave people confused with huge piles of data and endless interpretations. At the tail end of govt. health care delivery system is the rural dispensary or the slum revamping center, and the end user an illiterate or semi literate villager or a slum dweller. Dispensary is the humane face, the welfare state can present to its people. In yesteryears the service providers were from among the same social class they used to serve. Doctor can be a friend, philosopher and guide to the locals. Unfortunately the economic and social disparity between the service providing doctors and the service user population has grown enormously. Ad-hocism in health care delivery should be done away with immediate effect. Doctors and paramedical staff appointed on yearly contract basis are not showing any interest in the national programmes. Established private health care providers also have not shown any meaningful commitment for national programmes. Middle class itself has fragmented. Now it is fashionable to assign economic values to any issue like gender, but for social responsibility and justice. In this era of fast paced growth, the unorganized, silently suffering millions can not be wished away. Once reading on biodiversity I stumbled upon a very interesting quote, “only the species with economic importance will survive”. In our active pursuit for magnetizing economy, we assigned economic values to any thing except for morals. Commercialization of education has produced a new breed of professionals who have scant regard for professional ethics. Privatization is the buzzword with governments, because it takes away government responsibility. Private sector players are eyeing many ‘viable’ health institutions. There are no takers for commercially non-viable rural institutions. Rural health institutions dispense social medicine. Very recently one of the key players from private sector health care quoted the cost of developing one bed in corporate hospital at Rs. 30-60 lacs. These corporate health services are definitely out of each of the common man. These type of hospitals are definitely required for a nation with the present rate of growth but ‘bharat’ definitely needs different kind of hospitals. There are very strong social under currents against the exploitive private healthcare, inadequate government sector health care resources and the indifferent approach of welfare state. Health for all is a very lofty but expensive proposition. There are ways and means to reduce the pressure from government institutions. Private-public partnership, health insurance, monitoring and regulation of private sector health care can all make the things bit easy. Preventive health care education can go a long way in improving the public health. Community participation in health care has produced few but wonderful examples. Complementary community participation can make up for minor but critical deficiencies in the government run health care system. Setting up of health system corporations with World Bank assistance has already improved the working of govt. sector health care institutions considerably. Community participation through NGO’s can still improve the system, but most of the meaningful NGO’s turn their back on govt. run health care institutions because of their doubts on the integrity of government officers. Government health care institution are increasingly seen not as caring hospitals but like police stations, where medico legal reports are written and postmortems conducted. Most of the government doctors’ time is spent in courts appearing as medico legal experts witnesses. Emergency, post mortem, and then the VIP duties in addition hardly leave the doctors free for any meaningful job at government hospitals. There is an urgent need to have separate curative, preventive, legal, administrate and health intelligence wings. Government hospitals attract the poorest of the poor, mostly people from the unorganized sector. Their contribution to national GDP is by no means small. With the present growth rate, upward social mobility is seen in every strata of society. Many segments of this unorganized sector can be organised so that they also enjoy the patronage of welfare state in the form of health insurance policies. Apart from direct benefit to these segments of society, the state will benefit from the ‘off loading’ of burden from government run health care system and loading it on insurance driven private sector health care institutions. Poorest of the poor will repose faith in welfare state. Sanjivini, health insurance policy with the Punjab Milkmen Cooperative Societies is already a big success. ECHS (Ex servicemen Contributory Health Scheme) is an other success story. These success stories can be replicated with countless groups like, panwallas, dhabewallas, autorikshaw drivers etc. Simply organize the unorganized sector. There is no dearth of role models from among government doctors also. Their inclusion rather than drift after dissent from the present dispensation of health care will immensely improve the system. Stability of tenure is an excellent incentive government can give to its doctors without costing anything to exchequer. Yet tenure beyond decades should be discouraged as it leads to development of vested interests of the old incumbents and denial of chance to the youngsters. Resource mismatching is a major problem in the govt. run health care system. There are dispensaries where specialists are posted and still many more civil hospitals where non-specialist are posted. These mismatching result in defective and inefficient health care. Nodal Hospitals can be created for round the clock emergency services by cannibalizing defunct and sick institutions where equipment worth crores is lying unused and salary bills are bleeding the exchequer white. Most of the medical officers retire in the same administrate rank. This undue stagnation has forced many a brilliant doctors out of service. By simply seeking options for place of posting, honestly implementing with minimum displacement on merit can also revitalize the govt. doctors’ cadres. Private sector health care delivery system is a totally market driven commercial enterprise. So called ‘market forces’ have least respect for ethical and moral value systems. Multi level marketing chains have evolved in the name of referral systems. End result is exploitation of the unsuspecting common man, who still regards his healer a holy person. This ‘incentive’ system is strengthening the hold of unqualified, unscrupulous and unregistered medical practitioners on illiterate masses. Not many qualified doctors are unscrupulous. A large section of private health care providers feel genuinely threatened by blackmailers of all sorts. Consumer protection act is a very convenient beating stick in the hands of their tormentors.

Under the constant threat of being blackmailed, the private health care providers are becoming more defensive in attitude. More patients are being referred to tertiary care institutions for this reason only, thereby flooding the referral institutions. People have a common feeling that sickness is an invitation for exploitation at the hands of private health care providers. Even the charitable hospitals are charging as heavily as fully private hospitals. Medical profession is fully responsible and capable of self-correction. Medical councils and associations can jointly evolve a fail-safe mechanism to keep their black sheep under check even without government help, but the buck stops with the government. Welfare state is duty bound not only in providing health care delivery system but also proper health care administration and social justice through its health care delivery mechanism.

Name : Dr. Pardeep Kumar Sharma

Email-ID : omfspardeep@yahoo.com.

(M) : 0988456296

Date of Birth : 12.02.1962

Education Qualifications : BDS (Bachelor of Dental Surgery)

MDS (Master of Dental Surgery in Oral and Maxillofacial Surgery)

Educational Institutes Attended

Govt. High School Bargari : Matriculation (1969-1977)

Distt. Faridkot, Punjab, India

DAV College Chandigarh : Pre-University (1973-79)

(Punjab University)

Barjindra College Faridkot : Pre-Medical (1980)

Dental Wing, Medical College : BDS (1981-1986)

Patiala

Dental College and Hospital : MDS (2003-2006)

Amritsar

Professional Experience

House Officer, Christian : 1987-1988

Medical College & Hospital,

Ludhiana

Research Officer, All India : Jan. 1989 to June 1989

Institute of Medical Science

AIIIMS, New Delhi

Dental Officer, Indian Armed : July 1989 to August 1994.

Forces in the Rank of Capt.

Medical Officer (Dental) : w.e.f. Nov. 1995 till date

in Punjab Civil Medical Service

(PCMS)

Research papers Published

“Role of Programmed cell death in dental anomalies associated with cleft lip and Palate”. “Medical Hypotheses” Churchil Living Stone Publishers London-1991

Post traumatic polatoglossal adhesion, a case report stomatologica India (1990).

Research Project Undertakes

“Malocclusion and associated Factors among Delhi Children” a study sponsored by Indian Council of Medical Research (ICMR).

Areas of Interest : Environment, Health, Defence, International Affairs and Rationalism

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Subscribe! New video every Thursday Featured Sites: www.imao.us mypetjawa.mu.nu www.barking-moonbat.com … steven crowder barack obama congress universal healthcare health care quebec canada socialized medicine nancy pelosi michael moore sicko sick hospital hospitalize medicare medical doctors private treatment socialism tax taxes

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About Author

author is an oral and maxillofacial surgeon working as programme officer with civil surgeon ludhiana,punjab ,india

Many College Athletes Have Insufficient Health Insurance : Greg Webb

Tue, 25 Aug 2009 14:13:08 +0000

n 2005, the National College Athletic Association (NCAA) began requiring universities guarantee their athletes have adequate health insurance due to many years of concerns that college athletes had insufficient health coverage. The association did not, however, establish clear standards for this coverage, which allowed colleges to decide for themselves what was adequate. Although some colleges assume almost all medical expenses, many others accept almost none. In order to turn this problem around, the National College Player’s Association is lobbying for legislation to protect college athletes; the Association believes the NCAA is too focused on doing “right” by the schools themselves, not the players.

Many people claim medical insurance should be required as a cost of having an athletic program. Middlebury College, for instance, ensures all of their varsity athletes and students in club sports have accident insurance paid for by the college. Spalding College pays for secondary coverage for their athletes, pointing out the fact that student athletes represent the school and insurance is ethically the right thing to do. Large universities such as Michigan State and the University of Iowa also give their athletes comprehensive medical insurance.

Many athletes are unfortunately not this lucky. While the colleges that do not insure their athletes claim they go out of their way to inform athletes about their limits of insurance, many students and their parents still find themselves in horrible situations, having to shoulder large and expensive medical bills. An athlete from Colgate University, for example, piled up about $80,000 in medical expenses after injuring her back and legs while in training with the crew team; insurance only covered about a third of the expenses because of the way her condition was diagnosed, a sickness as opposed to an injury. Also, because many students are insured by their parents, the plan they are under excludes varsity sport injuries, limits out-of-state treatment or does not cover the entire bill. Some colleges buy secondary plans to fill in these gaps, however, these plans have holes as well. Additionally, only players that are hurt enough to require extensive care can turn to the NCAA for coverage; its catastrophic insurance deductible is currently $75,000, but will change to $90,000 next year.

Another problem with health insurance for athletes is how difficult it is to attribute every symptom to a sports injury that the plan will cover and a virus that the plan will not cover; there is an ambiguity in paying for care and treating an athlete who has more than one health concern. Sustaining an injury while sick would be a bad situation, and in the case of an athlete having a disease intermingled with an injury, it is unclear where one stops and the other begins. Within a single state university system, such as the University of Wisconsin, health coverage can vary widely. While at the university’s main campus at Madison, all varsity athletes fall under secondary sports coverage, at the university’s Division III campuses, only treatment for minor sports injuries that can be fixed in the training room is covered. Because it would be too expensive for universities to insure all athletes in the current economic times, it is unlikely the NCAA will require they provide more insurance anytime soon. Many believe health-care reform is the only answer.

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Help answer the question about health insurance

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!

Immigrants to soon lose state health insurance : Kay Laza

Tue, 18 Aug 2009 03:17:51 +0000

Like the freon in the air conditioners Stan Johnson’s company installs, his support for health care reform that’s been proposed has evaporated.

Johnson made that clear when he testified before Congress’ Small Business Committee about the stimulus package as a representative of the Air Conditioning Contractors of America; the last question posed to him was about health care.

“In February, we supported what [President] Obama was floating out as possible reform of health care. Today, what’s on the table our industry no longer supports,” said Johnson, owner of Stan’s Heating and Air Conditioning Inc. in Austin. “The support has evaporated because it is over-reaching and it is no longer reform, it is a take over.”

Johnson’s thoughts echo sentiments held by many small business owners and the associations that represent them, many of which have long sought health care reform, but are concerned about many of the components in the America’s Affordable Health Choices Act, H.R. 3200, which was introduced July 15 by Rep. John Dingell, D-Mich.

The main criticisms include:

* The bill’s employer mandates and penalties would be too costly for cash-strapped small business.

* It would limit employers’ health care options.

* The legislation does not appropriately address health insurance reform.

Keeping track of bills

Perhaps compounding fears within the small business community is that there are multiple versions of the bill on the table.

As of July, there were three versions of H.R. 3200 circulating in the House, one in the Senate and another is expected from the Senate Finance Committee, which has jurisdiction over Medicare. Lawmakers expect to have a bill to present to the entire Fiance Committee on or about Sept. 15.

While no one is certain how that bill will end up, small business proponents have widely criticized H.R. 3200 in its current form.

At the end of July, the National Federation of Independent Businesses said it opposed the bill “because it threatens the viability of our nation’s job creators … and fails to address the core challenge facing small business — cost.”

NFIB is also concerned that a public health insurance option, which Obama has said is an essential part of reform, could hurt the private insurance industry. Instead, some business and physician organizations are pushing for greater reform of the private insurance market so that insurers can provide more health care options.

But others, including U.S. Rep. Lloyd Doggett, D-Texas, say a public option will help small businesses in the long run.

“For many small businesses, the new Health Insurance Exchange will offer lower-cost, higher-quality coverage,” Doggett said. “Under the current failed system, too many small businesses cannot secure coverage for their employees or must pay substantially more than a large business, while getting less coverage.”

A spokeswoman for NFIB’s Austin chapter, which opposes much of the proposed bill, said small businesses pay an average of 18 percent more for health care coverage than their big-business counterparts.

Today, 62 percent of small businesses with three to 99 employees offer health benefits, according to the Texas Association of Business.

Pay for coverage or pay a tax?

NFIB’s Austin chapter and the Texas Association of Business staunchly oppose the bill’s use of employer mandates to provide health insurance. Under H.R. 3200, a company with more than $250,000 in payroll will have to provide insurance or face a payroll tax, starting at 2 percent for those with payrolls of $250,000 and rising to 8 percent for companies with payrolls exceeding $400,000. But a different version of the bill raises the exemption threshold, requiring employers with $500,000 in payroll or more to provide health insurance. The House will vote next month on which exemption to include in the bill.

Bill Hammond, president of the Texas Association of Business, said a payroll tax will be crushing to small businesses already struggling in the down economy.

“It will definitely limit new hires. Businesses large or small can’t afford these taxes,” Hammond said.

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Help answer the question about Health Insurance

What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
We live in northern california.

Cooperating In Our Health Care

Sun, 16 Aug 2009 06:14:58 +0000

Watch the video related to health

Help answer the question about health

What reputable health insurance companies are out there?
My mom doesn't have health insurance and my job doesn't give insurance to family members.

I would like to pay monthly to a health insurance company so my mom could get health check up when she needs it.

Do you know any health insurance companies that can accept low monthly payments since I don't get paid that much?
We live in northern california.