Before Choosing Health Insurance, Here is Critical Information You Should Know

1-FREE – Do You Have a “30 Day FREE Look Period?” Can you get your $ back if you are not happy?

2- DEDUCTIBLES: How many deductibles do I have per year? Some plans will have more than 1 deductible per person per year!

3- NETWORK RATES: Prior to your deductible being met, will your insurance company extend their discounted network rates to you? Example: Insurance Company A – 5 stitches to finger – Total cost $2000, patient responsibility, $800, or Insurance Company B – 5 stitches to finger – Total cost $2000, patient responsibility, $2000. (no network break).

4- NEGOTIATED RATE: What is the AVERAGE negotiated rate? (Sometimes referred to Network Rate – very very important!)

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5- UNCLEAR TERMS Is your $100 “co-pay” for an Emergency Room visit REALLY $100? Some companies the $100 copay is more like a fee AFTER your deductible, and you’ll still pay the co-insurance and the $100.

6- LIMITS on benefits, for example: $500 limit or $250 limit on Emergency Room expenses. $50 limit on Dr. Visits. Once the Limit is reached, YOU pay everything else out of pocket. $500 limit on hospital expenses per day (quick way to bankruptcy!)

7- PREVENTATIVE – Will you have to meet your deductible, or do you have a 1 year waiting period for preventative? Do you want to wait 1 year before you can have your female exam, or a mammogram?

8- TRAVEL – If you are out of state, are you covered for illnesses? If you eat something that doesn’t agree with you and become very sick and need a doctor, will you be covered? (Not just life threatening emergencies.)

9- RATE INCREASES – I am buying a “fixed rate”. Ask yourself if it makes sense to pay extra over the next 2 – 3 years for a fixed rate? Make sure your rate is set for at least 12 months but does it make sense to pay in advance for a fixed rate? Sometimes plans will naturally go down in price, so does it make sense to pay extra to have a fixed rate?

10- SUPPORT – After I buy this plan, MAY I CALL MY AGENT’S DIRECT LINE with billing issues, or plan questions, or technical problems, or claims questions or concerns of any kind?

11- EXCLUSIONS – Read the “Exclusions” in your plan. Are the exclusions available for you to read? Is there an exclusion that you cannot live with? For example: exclude well baby visits. Is this an exclusion that you didn’t catch in the plan details?

12- MAJOR MEDICAL plans are designed to pay for MOST of your medical expenses when you become ill or injured. You’ll want a Major Medical plan from a reputable company that has “Credible Coverage.” Discount plans or Limited Medical Plans are NOT designed to protect your losses like Major Medical plans are. They are marketed as “Insurance,” but you MUST ask

Indicators of Health

The Indicators of Health provide a measure for the health status of a Individual, Group, Community or a Country and to compare it with other similar parameters which help us to understand the good and the poorly assessed areas and to allocate more resources to the ill health and also to monitor and re-evaluate whether the ill are progressing towards a healthy status and to understand what all measures need to be done. In other words we understand the objectives and targets of a particular programme being implemented towards the attainment of better health goals.

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Indicators are defined as Variables by the World Health Organisation which have a Negative range and a Positive range in probable observations. This gives an idea about how the progress of a particular programme will go and when these indicators are measured periodically and sequentially over time, they can indicate direction and speed of change and can help to compare the health indications of different groups of people, communities or countries.

Characteristics of Indicators :

The Indicators which should be used in an evaluation, should have the following characteristics so that it can be used in a campaign or a survey.

1. An Indicator should be valid  and should be able to do the purpose of what it is intended to do

2. An Indicator should be Reliable and Objective. This means that when different people carry out research on a similar experiment they should, more or less arrive at a similar inference using the same indicators.

3. An Indicator should be Sensitive and should respond in variation to the situation concerned.

4. An Indicator should be Specific and should respond only to the variation of the specific situation in concern.

5. An Indicator should be feasible as it should have the functions attached to it which enable data collection concerned to it.

6. An Indicator should be relevant which means that it should be able to aid in understanding the concept in concern. It should either support the Hypothesis or discard the Hypothesis in concern.

Health is a Multi-Dimensional entity and each entity is a complex phenomenon in itself because the each entity is affected by numerous factors of which Some are Known while many are still Unknown.

Thus Health is subjected to  the following Factors :

01. Mortality Indicators

02. Morbidity Indicators

03. Disability Rates

04. Nutritional Status Indicators

05. Health Care Delivery Indicators

06. Utilization Rates

07. Indicators of Social and Metal Health

08. Environmental Indicators

09, Socio-Economic Indicators

10. Health Policy Indicators

11. Indicators of Quality of Life

12. Other Indicators

Mortality Indicators and Morbidity Indicators

A. Mortality Indicators

The indicators indicating mortality in a community are :

1. Crude Death Rate

2. Expectation of life

3. Infant Mortality Rate

4. Child Moratality Rate

5. Under-5 Proportional Mortality Rate

6. Maternal (Puerperal) Mortality Rate

7. Disease specific Mortality

8. Proportional Mortality Rate

1. Crude Death Rate:

It is defined as the number of deaths per 1000 population per year in a given community. Here a decrease in death rate indicates better health conditions in the community indicating an overall increase in the health status of the given population, which is in fact a goal of medicine.

2. Expectation of Life:

Life expectancy means the number of years a human being may live, if the age specific and sex specific mortality rates of a population are known. Life expectancy is calculated at birth, at the age of 1 which excludes infant mortality and at the age of 5 which excludes child mortality. Here also, an increase in average life expectancy is considered as an improvement in health status.

3. Infant mortality rate:

It is defined as the ratio of number of deaths under 1 year of age to the total number of live births in the same year, usually expressed as a rate per 1000 live births. This measure is able to infer upon the health status of the infants, also deductively of the whole population and the socio-economic conditions under which the infants and also the whole population lives.

4. Child mortality rate:

It is defined as the ratio of number of deaths of children 1 to 4 years of age per 1000 children in the respective age group at the mid-point of the year concerned for a particular area or community. This ratio indicates the overall health status of the early childhood in a given community and excludes infant mortality.

5. Under 5 proportionate mortality rate:

When both infant mortality and early childhood mortality need to be considered, then these statistics are used where total number of deaths of children under age 5 per 1000 population is considered. This statistical data helps in inferencing upon high birth rates, high child mortality rates and shorter life expectancy.

6. Maternal (puerperal) mortality rate:

The levels of maternal mortality differ from country to country according to its socio-economic conditions and status representing the proportion of deaths of women in reproductive age which is generally higher in the under developed and developing countries. This data has not gained much importance in terms of statistical analysis and inference.

7. Disease-specific mortality:

This statistical analysis can be computed for mortality on account of specific diseases. As communicable diseases are being extricated, other diseases like Cancers, Cardio-vascular diseases, diabetes have emerged as specific disease problems.

8. Proportional  mortality rate:

This statistical analysis takes in account the proportion of all deaths from every abouve mentioned analysis attributed to it.

B. Morbidity Indicators

These indicators indicate the burden of diseases and illhealth in a community but have there own limitations as they represent only the clinical cases and are represented as iceberg theory.

The assessing points for illhealth and diseases in a community are :

1. Incidence and Prevalence

2. Notification rates

3. Attendance rates at health services

4. Admission, Re-admission and discharge rates

5. Duration of stay in hospital

6. Spells of sickness or absence from work or school.

C. Disability Rates

These fall into two categories which are namely :

a. Event type indicators:

i. Number od days of restricted activity

ii. Bed disability days

iii. Work loss days

b.  Person type indicators:

i. Limitation of mobility

Who’s Paying For Health Care?

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

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Who’s paying the bill?

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

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

The government currently pays for 46% of national health care expenditures. Ho

Health Coaching – Top 10 Reasons to Hire Or Be One

Health Coaching is a relatively new profession which focuses on helping people making positive changes in their health, physical, mental and emotional lives, that they have not been able to do for themselves. Its about people deciding that the personal cost for not making some changes has become too high. They are willing to trade pain for gain — so to speak. Here are ten “pain for gain” reasons to hire (or become) a health coach.

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1. Health Coaching and Weight Loss

One of the most challenging (and discouraging ) behavioral changes that people try to make is losing weight and keeping it off. We are all aware of the health risks associated with being overweight. Many people have been on the weight loss and gain it back yo yo ride for years. What can make the difference and break this vicious cycle is a trained professional to guide you how to take it off and keep it off. This can be done with a few key lifestyle changes which are easier than you might think especially with the support of a health coach. What would it mean to you to lose 20-40 pounds and never gain it back. Visualize yourself at your ideal weight. What does that feel like? What does it look like? See yourself there now. Feels great doesn’t it?

2. Health Coaching and Eating Habits

A second behavior change that is tied to and often more challenging than weight loss is our eating habits. We love to eat ( and eat and eat and eat) And most of us are addicted to some form of junk food. Mine is chocolate. How our lives could change if we could make a few basic improvements in our daily diet. More energy, better sleep, less illness because of a boosted immune system, healthier skin, look better, feel better. So how do we do it. A health coach can introduce and effective program that makes sense and is easy to do if you are motivated to make a few changes and reap the rewards.

3. Health Coaching and Stress

Stress can literally destroy people’s lives. The pace today is hectic and people are paying the price. Marital break ups, illness, child abuse, addictions, mental ill health, low self esteem, the list is endless. The price is high

Natural Heart Health Products

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Proven to work as well as, or much better than any Pharmaceutical Drugs available, without having to be concerned about any dangerous side-effects, Natural Heart Health Products are a better and much safer option for your body and your health.

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~ Natural Heart Health Products consist of 19 Super Fruits which have potent amounts of Plant Sterols, which have been clinically proven to help lower your Cholesterol levels and reduce the amount of bad Cholesterol absorbed by the body. Scientifically formulated to Nutritionally support your Cardiovascular System by reducing your risk of Heart Disease dramatically.

*REASON # 2

~ Natural Heart Health Products can also help you with your weight loss without any effort as well. Due to your body absorbing less bad Cholesterol, these natural products help reduce your bodies fat intake naturally. The Nutritional support for your body also helps restore your metabolism and stabilise it at its optimum functionality, greatly assisting and improving your Digestive Health. While gaining more energy naturally through your diet, it will also reduce your appetite at the same time.

All About Affordable Health Insurance Plans

While consumers search for affordable health insurance, they have price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in wastage of money.

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With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans.

To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after the implementation of healthcare reforms, and something within a few days, they may qualify for a particular program or could be allowed to avail a particular health insurance plan. If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs.

Communicate Health Benefits Information More Effectively

All employers have responsibility of guiding their employees about the health benefit schemes offered by them. Even the employees on the other hand also have the right to receive information about the health benefit schemes offered to them. Therefore an employer has the right to inform the employees about certain information regarding the health benefit schemes. For this reason, organizations have created the position of Health Benefit Manager having communication as one of the responsibilities for health benefit related schemes and procedures.

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Key information heads to be shared by employer

There is a plethora of information available for communication. It is the skill of the Health benefit Manager to present them in a structured manner on behalf of the employer.

– Employers need to provide a detailed list of information to the employees about what health benefit schemes are provided to them or the scheme they are entitled to.
– Providing information regarding cost sharing as well as arrangements
– To take up necessary steps to resolve problem as well as to deal with appeals.
– To provide and guide its employees about the status of accreditation, certification as well as licensure.
– Provide sufficient and necessary information about the composition of the provider network too.
– To use the emergency care services as when required by the employees of the organization.
– To obtain referrals to specialists
– Most importantly provide all the information regarding the quality, safety of the health benefit plan and the cost of the employer sponsored plan.

Regulatory directives
According to the Employer Retirement and Income Security Act of 1974, it is necessary to provide all detailed information that the employees are entitled to that includes plan rules, covered benefits, documents about the plan management and operation as well. The employees are also entitled to receive a document with the summary plan description, known as SPD. The SPD contains

– Information of the health care services that are covered in the plan.
– Description of what services are being provided by the plan

Health Savings Accounts – An American Innovation in Health Insurance

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

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Extermination des cafards

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In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

There Are Two Kinds of People in the US – Those Who View Health As Static and Those Who Don’t

I believe Americans need a new way of thinking about health. Look where our current perspectives on the subject have gotten us – we are last among the world’s 17 most industrialized nations in all the key indicators of health. It’s hard to believe but true: we’re last in life expectancy; we have the highest rates of obesity, infant mortality, low birth weights, heart disease, diabetes, chronic lung disease, homicide rates, teen pregnancy and sexually transmitted diseases.

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The lead author of the Institute of Medicine, NIH sponsored study that revealed this situation remarked that “Americans get sicker, die sooner and sustain more injuries than people in all other high-income countries.” (That’s a quote from the report.) Then he added this coup de grace: “We were stunned by the propensity of findings all on the negative side – the scope of the disadvantage covers all ages, from babies to seniors, both sexes, all classes of society. If we fail to act, life spans will continue to shorten and children will face greater rates of illness than those in other nations.”

Two Ways to Think of Health

I believe Americans are overly passive about their health. Good health can only be attained and maintained by conscious deeds. These deeds require planning and disciple. Examples include exercising regularly and vigorously, dining in ways that nourish the body without causing problems and otherwise behaving in positive, active ways.

The level of health you will enjoy is clearly affected by your lifestyle choices. Your health status depends to a great extent on whether you invest in your well being or not. If you make little or no such investments, your health will depend on chance, genetics, the aging process and the timeliness of the quality of medical care you receive.

Making the World a Smaller Place – Dubai International City

countries within a single united society spanning 800 hectares, Dubai International City exemplifies the concept of unity within diversity. The residential districts of the nine countries, which include Persia, England, Spain, Italy, Morocco, Russia, Greece, France and China, offer an exotic yet affordable living experience to its residents.

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The Dubai International City property development is conveniently located on the Emirates Road in the Al Warsan region of Dubai and is only a short distance away from Dubai International Financial Center – DIFC, Dubai International Airport and Dubai Festival City. In addition to the extensive entertainment venues, commercial opportunities, retail outlets and exciting tourist attractions, it also features one and two bedroom apartment units that are capable of accommodating more than 60,000 residents.

Dubai International City comprises of six key areas including The Lakes District, The Residential District, The Central District, The Forbidden City, The Dragon Mart and Dubai Design Centre.

Lakes District & Public Park (The Lakeside)

Surrounding the serene Al Warsan Lake, the Lakes District is a 100 hectare natural ecosystem that comprises a total of 1375 two-three bedroom duplex apartments contained within 25 buildings. The Lakes District is home to about 200 species of birds among which are some of the rarest and most exotic birds found in Asia.

The Residential District

Spread out across 300 hectares, the Residential District is divided into large and medium-sized country specific and themed residential developments and retail outlets. With restaurants, commercial outlets, medical centers, transportation services and a police station and post office of its own, the Residential District is pretty much self-sufficient within itself.

The Central District