7

Medicare Advantage Will Get Hit With Health Care Reform

Since even before Medicare was passed in 1965 its been a source of frustration and intense debate from The Hill to Main Street. From concierge doctors to family physicians, politicians and family gatherings, health care reform is still a tough subject to grasp.

While Andy Griffith is currently appearing in television ads explaining Medicare changes to seniors, and the White House is praising its upcoming health care overhaul, the facts of how Medicare will change still remain a bit fuzzy.

1965. A lot of good things came out that year, like Medicare. This year, like always, we’ll have our guaranteed benefits and, with the new health care law, more good things are coming. Free checkups. Lower prescription costs and better ways to protect us and Medicare from fraud. See what else is new. I think you’re gonna like it, says Andy Griffith in his new TV ad. (Time.com) Seems to be pretty simply and explanatory, right? In reality, its a little more complicated.

Time.com states that Medicare Advantage, will in fact be greatly affected by health care reform, causing many seniors who have Medicare Advantage plans to lose fringe benefits that are not required by law. According to the Wall Street Journal, dozens of Medicare Advantage providers plan to cut back vision, dental and prescription benefits. Some plans are eliminating free teeth cleanings and gym memberships, and raising fees for hearing aids, eye glasses and emergency-room visits.

Medicare Advantage plans will take the biggest hit when the health care overhaul starts to take effect next month, mainly because Medicare Advantage plans are privately run plans that offer additional benefits beyond traditional Medicare. Obamas health care overhaul cuts to Medicare Advantage will open up the doors for 30 million Americans who currently dont have health insurance c overage. By taking some funding away from Medicare Advantage, money can be put towards those 30 million uninsured.

Democrats say the payment cuts are fair because Medicare overpays private insurers to run the plans. The government now pays private insurance companies an average of 9% more to operate the plans than it costs the government to run traditional Medicare, according to the Medicare Payment Advisory Commission, an independent congressional agency. That allows insurers to offer richer benefits to enrollees. (Wall Street Journal Online)

As for standard Medicare plans, they will not change, a common misconception among seniors according to Time.com. In a July poll, 50% of seniors believed health care reform would cut benefits that were previously provided to all people on Medicare, and that Medicare patients will have to spend more out of their own pocket. The reality is that while Medicare Advantage will change dramatically, standard Medicare will not, according to Time.com.

The law requires Medicare to pay 100% of preventive care, which includes checkups. The law will also gradually close the Medicare prescription drug gap known as the doughnut hole.

10

Tax Implications of the Affordable Health Care for America Act

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5% tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8% payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5% when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4% tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

The Roni Deutch Tax Center is one of the nation’s hottest income tax franchise. Income tax preparation is a recession resistant industry. Learn more about this new tax franchise opportunity today.

9

How To Maintain A Healthy Weight Loss

Congratulations! Youve lost excess weight by taking control of your bad eating habits and you have never felt more confident. Now you need to know how to maintain your healthy weight loss so that you continue to feel good. The good news is that by undertaking a healthy weight loss regime instead of a fad diet, it will be easier to maintain your new trim figure! The following tips are not only easy to follow but are essential for overall health and wellbeing.

1.Regular Exercise

As part of your healthy weight loss programme you probably engaged in an intensive cardio and strength training programme. While it is important that you continue to exercise, regular exercise means that your diet can relax a little, you dont have to continue such an intensive regime. Instead, aim to exercise most days of the week for at least 30 minutes.

2.Be Smart When Throwing a Party

When throwing a party people usually supply lots of goodies; crisps, chocolate, sausages, chips etc! Now that youve achieved healthy weight loss dont be sucked in to gaining back the pounds; if you are throwing a party in your home take the time to plan delicious food that is healthier than those normally found at such soirees. Crisps can be of the baked variety, chocolate can have high coca content and you can cook tasty appetisers that your guests will love but wont ruin your new waistline!

3.Eat Small Quantities

Although you may organise a healthy dinner party, dont expect everyone else will too. If you find yourself at a party, surrounded by tempting, unhealthy food, you should remember that unless you eat large quantities you wont regain the weight that easily. So treat yourself to a few items on the table, the important thing is that you know when to stop.

4.Remember to Check Why Youre Eating

Its important to check that youre not eating because you are bored or stressed. If youve had a bad day, dont reach for the biscuit tin, go for a walk instead or meet a friend for a chat. You may not feel like exercising at the time but you will feel so much better afterwards.

5.Plan Your Meals

By making a healthy breakfast each morning, packing a healthy lunch for work and having a planned healthy meal each evening, you will minimise the potential for snacking on junk food. Make sure that you bring plenty of fruit, nuts and seeds for snacking on in work. If you know youre going to be home late some evenings make a healthy meal the day before and pop it in the oven when you get home from work.

If you follow all of the above easy tips you will be on track to maintain your amazing new figure, good luck!

15

Benefit yourself with unique and affordable healthcare programs

Unfortunately, these days most of the people are not able to afford the high cost of medical treatment. The cost of hospitals, medicines, doctors and treatments are very high. Even with insurance, the cost and issues dealing with the insurance companies, filing claims and navigating confusing policies can be a headache in itself. There are companies that can provide you with headache free, affordable insurance while still maintaining an excellent level of coverage.

Are you looking for one of the best credentialed providers that offer excellent healthcare programs? If so, then NBBI (National Benefit Builders, Inc) is your answer. NBBI is a wholesale benefits marketing company and specialize in providing unique healthcare saving programs.

This company is founded by Kevin Faherty and his expert team in 1991. Kevin Faherty of NJ is the CEO of NBBI. He was also the past president of Mutually Preferred PPO network in New Jersey and Group Insurance Association of New York. Kevin has been in the health insurance business for more than 39 years and also spent 17 years as the manager of underwriting for group life and health in New York.

Drawing on their decades of knowledge and experience, Kevin Faherty and his team offer a wide variety of value-added programs for various markets including Employers & Employees, Insurance Carriers & Managed Care Organizations, individuals, Associations & Affinity groups, Unions & Labor organizations, Financial Institutions, Credit units and much more.

The NBBI suite of programs and products is uniquely designed to provide maximum savings, affordable and comprehensive value-added benefits for both underinsured and uninsured. They designed their products to be utilized as direct to employee, consumer and affinity platforms that requires little or no administration. Some of their main products include AmeriDoc, Lifestyle Benefits, Discount Medical, Discount Dental, International Healthcare, HealthAfford and much more.

They are for-profit company and have got an A+ rating from BBB ( Better Business Bureau). They also provide Community assistance and outreach programs. Their main goal is making healthcare more affordable to the public.

The company also leases its networks to marketing insurance companies, organizations and TPA (third party administrators) on a wholesale basis. Kevin Faherty of New Jersey and his team believe in doing fair business. They actively monitor their clients’ website to ensure that their clients promoting and marketing their networks honestly.

To learn more about these excellent programs, you can either call or visit their website.

8

Healthy Diet Eating Plans

Healthy Diet Eating Plans :

When people try to change from a diet loaded with processed, fatty foods to a healthy diet, they quickly become overwhelmed with all the obstacles, whether real or imagined. You may start one diet only to last a few days because it’s too strict or it just becomes difficult to deal with the entire process. Due to our hectic lifestyles most of us are so accustomed to convenience foods, it seems impossible to get back into the swing of planning meals, shopping, buying and preparing healthy food. When you are transitioning to healthy diet it is to your benefit to arm yourself with a healthy eating plan and a resource for healthy organic produce and products to support your efforts. This is the time when having a healthy diet menu built for you can make all the difference for successfully changing to a healthy diet and lifestyle.

The visionary behind Australia’s Lifestyle Healthy Foods, Frank Aiolo, has a history helping his clients transform their bodies and lifestyles using a clever combination of healthy diet tips, meals, and exercise. When you pair his healthy diet guide with the convenience of the Healthy Lifestyle online organic store, you have a win/win scenario.

Your Healthy Diet Plans :

You start with a 28 Day Nutrition Plan including 7 days of breakfast, mid-morning snack, lunch, mid-afternoon treat, dinner and/or supper menu tailored for you. People find their healthy diet plan is simple to follow, convenient and cost effective. The healthy diet plans include a variety of meal options to follow each day. You can even pick and choose your favourites and just stick with those menus or try each one. It’s not unusual for people to notice they have more energy and stay energised for a longer period of time within the first 2 days of their healthy diet eating plan.

You’ll also receive a listing of all the products Frank personally tested (and tasted) that you can add into your healthy diet. You’ll find these at Lifestyle Healthy Foods online organic grocery store so you don’t have to make special trips to an offline market.

Healthy Diet for Weight Loss :

When you order one of these healthy diets, you’ll also receive a handy food exchange list to assist your food selections when you want to change up the menu within food groups. If your goal is to follow a healthy diet to lose weight you’ll be delighted to know that each healthy diet menu is based upon a caloric intake that promotes weight loss.

There really isn’t an easier way to get started and stick to a healthy diet. We’ve got it all right here and we’re ready to ship to you today.

17

Emerging Healthcare Sector In India

Healthcare sector is India’s one of largest sector which comprises of an extensive network of hospitals, medical or healthcare institutes and other medical services. Initially the healthcare sector in India remained in public domain but now many private players are also playing significant role in health-based services.

Raising the consciousness towards nutrition in India, maintaining public health and improving the standard of living of the Indian people are some of the main responsibilities of the State and Centre government in India. A large number of government hospitals that provide healthcare facilities at subsidized rate are operating in different states in India. These hospitals are set up with an aim to provide adequate medical facilities to both a patient living poverty line as well to another prosperous patient.

Primary healthcare in India is provided by the city and district hospitals and rural healthcare centers. Very often, these medical centers provide healthcare facilities free of cost. There are special provisions to handle grave healthcare issues such as malnutrition, immunization against various deadly diseases, pregnancy, child birth and postnatal care.

In the recent times, India has witnessed major success in eradicating mass famines, however the country still suffers from serious problems of malnutrition and lack of health consciousness among Indian people. Improper sanitation facilities and inadequate water supply are few other problems which are adversely affecting healthcare in India.

Fortunately, despite of all these perennial problems, the healthcare sector in India is growing at a rapid pace. In 2007, the healthcare market in India was estimated was estimated at US $35 billion. It is expected that the healthcare sector in India will double and reach US $70 billion by 2012. Rising income levels and a growing elderly population are some of the factors augmenting growth of healthcare sector in India.

India has also carved a niche for itself as an excellent medical tourism destination in the past few years. Every year thousands of international visitors come to India to get adequate medical treatment in India. Some of the most common treatments are heart surgery, knee transplant, cosmetic surgery and dental surgery. In order to remain competitive, healthcare providers in India are looking at improving their operational efficiency and are providing value added medical experience to patients.

18

SSM Health Care System Inc. – Strategic SWOT Analysis Review

Summary SSM Health Care System Inc. (SSMHC) is an integrated healthcare organization providing services through its healthcare facilities. The organization owns and operates 15 acute care hospitals with about 3,929 licensed beds. It also operates two nursing homes through which it offers rehabilitation, home health care, hospice, and skilled nursing services. It has six healthcare facilities located in four states of the US namely, Illinois, Missouri, Oklahoma, and Wisconsin. SSMHC is headquartered in Saint Louis, Missouri, the US. Company SSM Health Care System Inc. – Strategic SWOT Analysis Review provides a comprehensive insight into the company’s history, corporate strategy, business structure and operations. The report contains a detailed SWOT analysis, information on the company’s key employees, key competitors and major products and services. This up-to-the-minute company report will help you to formulate strategies to drive your business by enabling you to understand your partners, customers and competitors better. Scope – Business description – A detailed description of the company’s operations and business divisions. – Corporate strategy – Company summarization of the company’s business strategy. – SWOT analysis – A detailed analysis of the company’s strengths, weakness, opportunities and threats. – Company history – Progression of key events associated with the company. – Major products and services – A list of major products, services and brands of the company. – Key competitors – A list of key competitors to the company. – Key employees – A list of the key executives of the company. – Executive biographies – A brief summary of the executives’ employment history. – Key operational heads – A list of personnel heading key departments/functions. – Important locations and subsidiaries – A list of key locations and subsidiaries of the company, including contact details.

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16

Health Care Education – Choose The Right Career In Healthcare Sector

Specialized medical courses are now being offered by many health schools. These programs provide in-depth knowledge of various medical treatments and subjects.

Health care education in the sphere of allied health, diagnostic medical ultrasound and sonography, nursing, occupational and physical therapy, pharmacy technician, healthcare management, emergency medical services, and other subjects are open to students these days. These programs are available as full time or part time programs and offer internships as well, so that students can get a hands-on experience in their respective fields.

With the increase in health care facilities for the disabled and elderly, nursing universities have developed new courses in health care education. Nowadays, wellness centers and independent living centers are offer bright prospects to upcoming medical professionals. Assisted living centers, adult care centers and the likes are offering them designations like that of medical administrator, in which they are responsible for every resident and their well-being. The requirement of skilled medical practitioners is steadily increasing with increase in the number of adult care centers and retirement homes. The minimum requirement for a job in these centers is a Bachelor’s degree in science or health care. Professional course certificate in the branch of health administration, human physiology or health law gives you a better chance of getting a job over others.

Now that we have a number of options available in health care sector, choosing the right course for you can be a daunting task. You got to clearly define your career goals and then find out the details of the courses that fulfill them rightly. If you want start earning quickly and gather some job experience, then you must look forward to diplomas and certificate programs. Likely, there are some courses which take up a few years to get completed but they offer rewarding careers ahead.

If you are looking for job and career prospects in this industry then there is some really fascinating news ahead. The healthcare industry is on a high tide these days and there are numerous jobs available in various adult day care centers, emergency clinics, hospitals and rehab centers. In the last ten years, there is been a significant change in the health care facilities. Conventional roles like doctors, pharmacists and nurses are a thing of past. This escalating demand for skilled medical services is contributed by diversification of roles in medical care centers. Healthcare benefits along with hefty pay scales are common feature in healthcare jobs these days.

9

Seniors Using Webinars To Learn More About Health Care

For many companies, the decision to use webinars is based on enhancing workflow and cutting cost. It is clear, however, that video conferencing services has many real world applications as well. The most obvious benefits of utilizing these tools are really just the tip of the iceberg. One recent example of this is an undertaking by the National Family Caregivers Association (NFCA) in Suffolk with using webcast to disperse information.

In November, the NFCA in collaboration with Home Instead Senior Care put on free web conferencing. The aim was to help families coping with caring for elderly parents to make decisions and understand potential problems. The 45-minute online conference addressed vital issues and featured well known professionals in the field of senior care.

Senior care is a growing concern in the US. Using webinar software to enhance care and making decisions is a giant step in the right direction. The facilities of a good video conferencing software can also be applied to other areas. These include:

Distance education
Sales team mobilization
Product promotion
Customer service
Staff training
Technical support

Other areas of the health care sector can also be improved by the use of a video conferencing system. Todays web conference systems are pricey as earlier. Providers like RHUB Communications have created products that give any company or organization the ability to be flexible.

The web conference systems today are based on speed, reliability, and enhanced communication. Some of the features of the best web conference services are:

Remote desktop control
Multi-tiered tech support
Recording of conferences or webinars
File transfer and remote printing

A web conference like the one put on by the NFCA creates opportunities for others facing similar situations. Not surprisingly, the decision to have the web conference was largely influenced by the current economic climate.

Users today have the option of hosted services, downloadable software or self hosted, in house solutions. RHUB appliance is an example which many companies find to be preferable to hosted solutions. However, even the most basic web conference systems have helped companies streamline their operations and improve productivity.

This will no doubt set a new trend for other cash strapped communities looking to provide care for the elderly. Special needs organizations, private health care facilities and similar groups could also explore the use of online conferencing for delivery of information.

17

Healthy Snacks For Kids

Preparing food for children and making them eat cannot always be an easy task, especially with fussy eaters. In order to ensure your child is getting all the nutritional demands of his body, it is important to give him foods that can create a balance in the nutrition levels. Fussy eating habits in children can create nutritional deficiencies, and the same can be balanced with the help of healthy recipes of snacks.

Fresh Fruits

When it comes to healthy recipes, nothing is better than a piece of fresh fruit. The amount you serve can vary depending upon the age of the child. Even the most fussy toddlers would love to eat fruits as they are juicy and colorful. Most fruits have a lot of minerals and vitamin contents in them, and some are packed with fiber that helps in digestion. Do not just confine the item to just one. Keep giving sliced apples and peaches, bananas, berries, orange portions, etc in a healthy mix so that your child will not get bored of the food. The ideal time to serve fruits is mid noon or after noon. Needless to say, these are toothfriendly as well, and can be easy on teeth of the tiny tots with just a few teeth. Give them in the form of milk shakes and smoothies to add variety to their diet.

Whole Grain Foods

Whole grain foods are rich in fiber, and these are available as cereals or snacks. Barley, rice, oats, wheat, corn etc are a few of the fiber rich whole grain foods that we can include in the everyday diet of kids. The best part is that, pretzels and crackers made of whole grains can be great alternatives to junk snacks. In addition, whole grain foods can contribute towards a full meal comprising of breads, pastas and rice. Those made of grains such as millet and buckwheat can offer gluten free diet benefits as well.

Vegetables

It will be easy on you if you get your child eat vegetables from an early age. Carrots and beans are vegetables that even toddlers love to eat. Begin with serving cooked items, and as they develop more teeth, switch to giving chopped foods such as sliced carrots. Steamed broccoli and sweet potatoes, boiled potato fingers, roasted kale, etc are great snacking ideas. For those confused about what is a vegan, yet healthy snack, can blindly go for the organic and fresh fruits and vegetables.