Health and Fitness: Health Care

Showing posts with label Health Care. Show all posts

Health Care Costs Are Rising At Epidemic Proportions - Here's How To Protect Yourself

by: Blaine G. Dares

Health care costs are now approaching 15% of our national economy and the economic repercussions have been felt by most American families as employers are unwilling to absorb the bulk of the health care cost burden.

In 2004, employer health insurance premiums increased by 11.2% - nearly four times the rate of inflation. The annual premium for an employer health plan covering a family of four averaged nearly $10,000. The annual premium for single coverage averaged $3,695. Health insurance premiums will rise to an average of more than $14,500 for family coverage in 2006.

In 2004, health care spending in the United States reached $1.7 trillion, and is projected to reach $1.9 trillion in 2005. Health care spending is 4.3 times the amount spent on national defense.

Overall national health care costs will increase further with the implementation of Medicare prescription drug coverage. Too many Americans are uninsured while even a greater percentage have no insurance at all. Uninsured individuals also present a problem for hospitals and other providers who must provide treatment in catastrophic situations without compensation.

Many employees receive restricted coverage and insurance plans that are negotiated between employers and insurance providers limit coverage to a single insurance carrier or an HMO.

Prescription drugs are the fastest-growing part of the nation's health care expense. Pharmacy bills have become a significant item in the budget of most families.

For 37% of Americans without prescription coverage, the problem is critical. Especially for seniors who constitute 12% of the population but use 37% of prescription drugs. The rest especially those without health insurance, is significantly affected by high drug prices.

What has caused this cost increase?

Much of it is due to a riddled health care system of excessive administrative expenses, inflated prices, poor management, inappropriate care, waste and fraud. These problems significantly increase the cost of medical care and health insurance for employers and workers.

On the other side of the cost issue there is the recent development of new effective medications for a variety of illnesses. Such newer "brand name" medications are patent-protected and cost far more than generic medications.

The drug industry argues that the higher cost of new medications helps fund research and development of even newer medicines. Many critics argue that much of the research and development of pharmaceutical products is actually government funded.

Also contributing to the cost increase is marketing. As this is 30% of a drug manufacturer's budget. Brand-name U.S drug makers were reported to employ 81% more people in marketing than in research and development of much needed drugs.

Policymakers and government officials agree that health care costs must be controlled. But they disagree on the best ways to address rapidly escalating health spending. Some favor price controls and imposing strict budgets on health care spending.

Others believe free market competition is the best way to solve the problems but if people can't afford it, how will they protect themselves and their family?

Well there is something you can do and that's become apart of the solution and not the problem by learning more about our troubled medical industry.

About the author:
Blaine Dares is the President of Medical Card Savings USA Saving over 1 Million Americans over $100 Million on Dental, Medical, Prescriptions, Vision & Chiropractic Care. Instant Nationwide Savings. For complete details visit

Dead Sea Minerals - Health from the Lowest Point on Earth

by: Yoav Cohen

A study involving a European occupational therapist suffering from psoriasis who had obtained compensation from her health insurance in order to undergo therapy at the Dead Sea has lead to great interest in health funds in Denmark, Germany and other European Countries. This has resulted in their subsidizing treatment from the Dead Sea for people suffering from both Psoriasis and other skin conditions. If Health Insurance companies can be considering coverage of treatment at the Dead Sea for relief and treatment of skin disorders, then it seems reasonable to advocate usage of products manufactured from the Mud and minerals of the Dead Sea.

Healthy skin and

Assisting to replace or remove electrolytes enables the body to maintain a good fluid balance thereby improving a feeling of relaxation, health and well being. Below is a list of the therapeutic physical and mental well being is dependent on the correct sodium and potassium or fluid balance in the body. This is regulated by the Adrenal gland, which in turn affect healthy function of the kidneys. The kidneys are responsible for controlling 28 chemicals in the body. An imbalance of these chemicals or electrolytes can result in certain skin or other symptoms and over an extended period of time results in various illnesses. benefits of the Dead Sea products together with the conditions or symptoms they alleviate.

The Dead Sea Salts differ from regular sea salt in 2 important ways.

1) They contain 10 times more minerals than sea salt.

2) The Dead

Sea salts absorb essential oils with ease, which enables them to be released into the bath water as they dissolve.

This is beneficial for those wishing to benefit from the Dead Sea in the privacy of their own home. Some of the minerals found in the Dead Sea are listed below together with their functions or benefits to health. This provides some insight as to why these minerals assist in cleansing, de-toxing and restoring a healthy status quo of the body, especially the skin and muscles.

Minerals and Chemicals found in the Dead Sea

Sulfur-is found in the amino acids cysteine, and methionine; as well as in cells, hemoglobin (of the blood), collagen (of the muscles), keratin (required for skin), insulin, heparin, biotin, co-enzyme A, (required for healthy hair, skin, nails, among many other biological structures). Sulfur is necessary for synthesizing collagen. It is required for the adequate digestion and absorption of carbohydrates and a number of vitamins e.g. thiamin, biotin and pantothenic acid; It is also essential to enable cells to breathe Sulfur is necessary for the secretion of bile from the liver and for converting toxins into non-toxins.

Chlorine is necessary to maintain the correct balance of alkaline and acid in the body, together with being vital for cell metabolism

Iodine is necessary for the production of the hormone thyroxin, and is also vital for both energy and cell metabolism is necessary to maintain the water balance in order for cell metabolism to take place, assisting the cells to absorb nourishment and expel waste products. An imbalance in potassium often leads to water retention.

Potassium also plays a vital role in regulating muscle contractions and the nervous system.

Sodium like potassium plays s a vital role in assisting the cells to absorb nourishment and expel waste.

Calcium is necessary in strengthening cell membranes and cleansing the pores. In addition it is vital for production and maintenance of healthy teeth and bones, together with regulating the heart muscles and nerves.

Magnesium is necessary in assisting the body to utilize other essential nutiens and in cell metabolism.

Bromine helps with the natural repair of the body together with cell metabolism and can be sued as a natural antibiotic. Saunas often use Dead Sea salts to evaporate the bromides thus creating and environment similar to the Dead Sea. Having a hot bath with Dead Sea salts and allowing the steam to collect in the bathroom will have a similar effect. Other than the benefits listed below for bath salts, steaming and using these salts in the bath can be beneficial for respiratory conditions e.g. asthma.

PELOTHERAPY The main healing property of mud is humic acid, which comes from concentration of organic matter. After the Ice Age the earth experienced a compression of plant and animal life resulting in transformation of various rocks and hence, muds. The parts of the earth, which suffered the most erosion, have higher deposits of humic acid. One of these areas is the Dead Sea, which has the largest concentration of humic acid, chloride salts of magnesium, sodium, potassium, calcium, bromine and various other minerals. Since the Dead Sea Mud (also known as Pelloid) has a high concentration of minerals together with an ability to hold heat, the mud can be used for certain healing benefits. Smearing the Pelloid onto the body in a process known as Pelotherapy provides cleansing and detoxing of the skin which has proved beneficial for skin, muscle pain and arthritic or rheumatic conditions.

BALNEOTHERAPY

Is an ancient healing form using water, usually with added salts, thereby distinguishing it from hydrotherapy, to condition, relax and revitalize the skin, body and muscles. Its benefits are seen in improving circulation, strengthening the immune system, reducing pain, stress and insomnia.

About the author:
Yoav Cohen is an author for AHAVA Dead Sea products site

Caregiving across the Miles—Tips for Successful Long Distance Caregiving

by: Torey L. Farnsworth

Caring for a parent or a loved one is a difficult job. Your duties as a caregiver become increasingly difficult as the miles increase between you and your loved one. The following are a few helpful tips in order to plan ahead in the event your loved one needs your help, as well as ideas on how to become a successful caregiver once your caregiving duties begin.

1. Have a discussion with your loved one. Years before the need for caregiving arises, discuss ideas and thoughts with your loved one. Discuss with them their thoughts on possibilities of relocation, assisted living or nursing home care, and end of life arrangements. Make sure all of their legal and financial needs have been met. Talking with your loved one ahead of time will make them more comfortable with the idea of needing help down the road.

2. Design a “Family Plan of Action”. Before the need arises, get the family together and discuss responsibilities and divide them up accordingly. Devise a plan to keep in contact with those members who may be out of state by frequent phone calls, emails or set up a private chat room on the internet for family discussions. Investigate costs for care and travel expenses. Design contingency plans in the event that funds run out, level of care increases, and availability of family is limited.

3. Gather emergency contact information. Make a list of important emergency numbers such as out of town family members, family friends, physicians, attorneys, clergy, etc. To help preserve this list in the event of an emergency, place this list in a zip lock bag and store it in your loved one’s freezer where they keep their ice cubes. Place a magnet on their refrigerator with a note as to the location of this list.

4. Gather important documents. Locate important documents such as social security card, Medicare and/or health insurance cards, legal documents such as living trusts, wills, and powers of attorney, all financial statements including life insurance information and real estate deeds. Inform the family regarding the location of these documents. Keep copies of powers of attorney in the event you need to make health care or financial decisions from a distance.

5. Organize and set up a network. Contact relatives, friends and neighbors who live close by your loved one. Ask them to routinely stop by and visit your loved one, and ask them to contact you if they observe anything out of the ordinary. Find out about community programs that provide services such as meals or transportation, and get them involved. Consider hiring a geriatric care manager to help coordinate the care.

6. Make the most of your visits. Schedule and attend physician appointments with your loved one when you are in town, and keep yourself informed with your loved one’s diagnosis. Meet with members of your network, and ask them detailed questions about their interaction with your loved one.

7. Keep a journal. Take detailed notes of your loved one’s care such as their progress, medications, changes in level of care, recent injuries, personality changes, etc. A journal will help keep the family organized, as well as provide helpful information for the physician or other caregivers who might be involved in your loved one’s care.

8. Be observant. Be aware of changes in your loved one’s personality, their appearance such as lack of grooming or soiled clothing. Verify that the mail is being opened and the bills are being paid. Set up a consistent schedule for communicating with your loved one, and pay attention to what they’re “not” saying. Remember, your loved one doesn’t want to give up their independence, and they may not always tell you the truth.

9. Re-evaluate the situation. Assess your loved one’s situation and don’t be afraid to make adjustments as the circumstances change. Don’t hesitate asking for help from other family members, and investigate the potential for placement in a care facility or hiring a full time live-in caregiver if the family and physician deems necessary.

10. Care for the caregiver. Don’t allow yourself to get to the point that you experience burn-out. Get help from other family members, as well as take time for yourself. Maintain a healthy diet and exercise daily. When caregiving becomes too much for the family, and the level of care is beyond your immediate resources, seek out other options. Don’t let your guilt get in the way of providing the best care for your loved one, even if a care facility or full time caregiver must provide that care instead of you.

Above all, remember to allow your loved one to remain involved in the decision making process for as long as their decisions do not negatively impact their health or safety. Remember to discuss your concerns with their care in a sensitive manner. Your loved one deserves to be treated with dignity and respect. Be realistic about the situation, and in addition to looking out for your loved one’s care, remember to look out for your own as well.

About the author:
Torey L. Farnsworth, CSA has over 12 years of experience working with seniors. Ms. Farnsworth’s vast expertise encompasses a wide variety of senior issues ranging from adult care to elder law. Most recently, Torey served as Elder Law Director and Paralegal for a Phoenix based law firm where she provided assistance in a variety of areas including long term care planning, estate planning, ALTCS eligibility and Medicaid planning. Ms. Farnsworth is also a certified caregiver with the State of Arizona as well as a Certified Senior Advisor. Ms. Farnsworth has spent her career in senior care as her family owns and operates assisted living homes.

Ms. Farnsworth currently owns her own senior care placement business called Horizon Senior Care Referral. Her placement services are free to seniors and their families in Arizona. For more information, visit

Buying Used Electric Wheelchairs -

by: Kent Pinkerton

Mounting health costs and cuts to government funding are making wheelchair users seek heaper alternatives like used electric wheelchairs. Secondhand electric wheelchairs are no doubt heaper than new ones but a lot of care should be taken when buying a used electric wheelchair.

Sources of used electric wheelchairs are primarily relatives, friends, and local support groups. Information about used electric wheelchairs is also available in advertisements on bulletin boards, newsletters, Web sites, at local hospitals and rehabilitation centers, or local disability organizations. Information for finding used wheelchairs can also be found in newspaper classifieds or in pawnshops.

It is wise to also solicit advice from a therapist or physician before buying a used electric wheelchair. Private health insurance and state vocational rehabilitation centers sometimes cover the cost of used electric wheelchairs. The Technical Assistance Project (TAP), supported by the federal Technology-Related Assistance for Individuals with Disabilities Act (Tech Act) of 1988, also provides financial support for the purchase of disability equipment. Sometimes, wheelchair vendors also provide guarantees and warranties for used wheelchairs.

One disadvantage of buying a used electric wheelchair is the non-transferability of the warranty on the chair. There are also certain other disadvantages to consider such as the chair’s physical dimensions, capabilities, condition, fittings and accessories. Because of the many different options and accessories available for wheelchairs it is better to be well informed before buying a used electric wheelchair.

About the author:
Electric Wheel Chairs Info provides detailed information about electric wheelchair lifts and scooters, used electric wheelchairs, electric indoor wheelchairs, Medicare, electric wheelchair reviews, and more. Electric Wheel Chairs Info is the sister site of Scooters Web.

Be Wary of Discount Prescription Drug Cards

by: Stephen Dayton

The newest thing in the American medical savings game is prescription drug cards, where users pay a monthly fee (anywhere from $10-100, approximately) that nets them discounts at their local medical establishment. Doctors, pharmacists, dentists and even hospitals are all jumping on the discount prescription drug card bandwagon.

And although they sound like an excellent idea to most consumers, these discount prescription drug cards do carry some risks. This article will detail what to look out for so that you remain an informed medical consumer.

How Does it All Work?

Usually, discount prescription drug card programs work in the same way. The card company works on the clients’ behalf, getting discounts at a variety of medical establishments. However, the discounts that are ‘purchased’ are not done with the provider directly, but rather with a ‘preferred provider organization’ (PPO). At times, this system works so poorly that cardholders have walked into their medical establishment with their discount prescription drug card, just to be told that the institution has no knowledge of the discount program.

Since there is no regulatory body for discount prescription drug cards, the people who sell these cards need not be licensed or even knowledgeable about the health care field. And when you do walk into the pharmacy with one of these cards, it’s hard to even tell if you are getting any sort of discount at all; many health care providers do not offer any sort of price list for their services in the first place.

Is There a Problem Here?

Well, some legislators in Georgia and Kansas think so. They’ve passed laws stating that discount prescription drug card providers state in ‘prominent type’ that they are not insurance programs, since more than a few consumers were making this mistake.

Other states have taken legal action against these discount prescription drug card companies. In one instance, Argus Health Plans was sued because allegedly they signed customers up for a free trial period, and then charged those same customers’ credit cards with no prior authorization for a discount card membership. More than a dozen other suits are still pending investigation or trial with other discount card providers throughout the US as well.

So How Do I Save Money on My Prescription Drugs?

OF course, not all discount prescription drug cards are poor consumer choices. However, without more legislation in place, consumers are at risk to be scammed while trying to save money. Of course, there are still other ways to save on your prescription drug costs, such as:

- Keep dibs on the fluctuating prices of your prescription drugs, as costs can differ

quite dramatically between pharmacies;

- Ask your doctor to prescribe the generic version instead of the brand name version; and

- Try and get health insurance coverage if you don’t have it already.

With a bit of know-how and investigative work, you’ll be able to save on your medications without having to resort to discount prescription drug cards anytime soon.

About the author:
Stephen C. Dayton is the staff writer for and author of many articles relating to health issues helping the public to be better informed of the options available to them in today's online world.

Before You Look for Health Insurance

by: Richard Keir

Shopping around for medical insurance can be a confusing business. You need to keep your wits about you and keep track of the benefits and costs of each policy and each type of policy. Too often we tend to look at the price first and the rest of the policy becomes a blur of fine print. And we're off to check the next policy.

Slow down. There some important things you should do before you start chasing around to get a policy. Doing these few things will make the whole process simpler and clearer - and you're much more likely to make a good decision.

You need to carefully consider your situation. Think about these questions and note your answers:

What's the general state of your health?

How old are you?

Do you have any serious medical problems currently or in your medical history?

Do you have any history of recurring or on-going medical needs?

Do you use tobacco? How much?

Do you drink? How much?

Are you over- or under-weight for your height, body-type and age?

Is your job hazardous?

Do you participate in any activities or sports that could affect your health?

Now this may be unpleasant but if there's any chance an insurance company could discover a history of drug or alcohol abuse or sexual behavior that might put you in a high risk group, you may want to be direct and upfront about it - especially if it's in the past. Having a claim denied later because you had failed to disclose medical information to the insurance company would be far more upsetting - and very expensive. The same goes for any significant medical condition. Insurance companies are in it to make a profit - at least most of them are. Paying large claims isn't their favorite activity, so they often do investigate.

If you're seeking a family policy you'll need to make the same analysis for everyone and consider carefully what kind of coverage you want.

Do you need dental, orthodontic, pregnancy, mental health, and/or drug coverage? Do you need long-term care coverage, either inpatient or in a nursing facility? Assisted living coverage? What about traveler's or international coverage?

If there's a possibility that you may require - or want - in-home care as opposed to a residential nursing or assisted living facility, be sure that coverage is included and be sure you understand exactly what you can expect to receive.

Think about deductibles and what you could afford pay to reduce your insurance costs. But be very careful here, because medical expenses tend to pile up quickly and reach nearly insane levels for complex treatments or inpatient stays. Many drugs in common use are ridiculously over-priced and depending on the specifics of your insurance you may not be able to use the least expensive sources.

If you will end up with multiple sources of coverage, be clear about how they fit together and what the rules are about overlapping or combined benefits.

Once you are clear on your current situation, your (and other family member's) medical history, and your projected needs, you can begin looking in a organized way with a better sense of where you're going and what will actually meet your needs. This may seem like a tedious process, but it will serve you well in finding appropriate and affordable health insurance and making sure your health care needs can be met by the medical insurance you choose.

Take some time to work through these questions. Write down your answers. Make a chart with your desired coverages and any special conditions the policy must meet. As you look at health insurance policies, note the rules, exclusions, information about pre-existing conditions, any limitations, the dollar amounts covered and especially any deductibles.

Don't try to do too much at once. If you hurry, it'll become confusing and tiring. You may hate it (I know I do), but you really do need to read all that fine print and understand it. That's not a task to rush through. You might as well face up to it, because it's a lot better to do it BEFORE you need medical services than after you get a bill for the uncovered portion that sends you into shock.

So is it an impossible job to find health insurance that works for you? Not at all. There's a world of resources on the internet to help you find the policy you need. Just be sure to do your homework first.

About the author:
Richard is a writer, educator and consultant providing services to medical, scientific and business professionals. For more on choosing a health insurance policy or finding the best medical plan for you, visit

Bariatric Surgery Costs -

by: Eddie Tobey

The cost of Bariatric surgery can be quite high. The typical price of an operation can be $25,000 or more. Medical insurance coverage varies by state and insurance provider, and although some states have legislation in place that requires insurers to offer weight loss surgery for patients, providing it meets health criteria laid down by the National Institutes of Health, other states do not. This means that patients who would benefit from bariatric surgery often have to contend with providers that have not yet accepted that this kind of weight loss surgery can deliver powerful medical benefits that will save them money in the long run. A patient encountering this problem may have to work with his or her surgeon to prove to the health insurance provider that the proposed surgery is not a cosmetic procedure, but a potentially life-saving operation that will minimize future health problems.

Individuals who are interested in bariatric surgery and are on Medicare will be glad to know that it covers weight loss surgery for morbidly obese patients with an obesity-related or condition. Morbid obesity is defined as 100 or more pounds overweight or a body mass index (BMI) of 40 or more.

Of course, the costs do not end once a patient successfully undergoes bariatric surgery. Because weight loss can be significant, many individuals are left with loose, sagging skin that no longer has the elasticity to fit the new, slimmer shape. Since neither exercise nor diet will help tighten loose skin, many bariatric patients choose plastic surgery as a remedy. The cost of bariatric-related plastic surgery operations can vary significantly, depending on the patient’s condition, complications, the type of anesthesia, and other factors.

Some of the more popular post-bariatric surgery procedures include: abdominoplasty (tummy tuck), body lift (circumferential panniculectomy), brachioplasty (arm lift), breast lift, augmentation, or reduction, face and/or neck lift, and thigh lift.

About the author:
Bariatric Surgery Info provides detailed information on bariatric surgery, including cost, patients, centers, diet, financing, and complications, as well as specific procedures like laparoscopic and bypass surgery. Bariatric Surgery Info is the sister site of Gastric Bypass Surgery Web.

Arizona Drug Rehab Finding Help in Arizona

by: Jeff Lakie

The state of Arizona has one of the worst drug problems in the United States. Historically and currently, the state is known as a transhipment location for a variety of drugs, including heroin, cocaine and marijuana, which are imported from other countries. As a result, these and other drugs are widely available in the state, and their abuse is common. There are probably few states that require the presence of rehabilitation centers as this one does - thankfully Arizona drug rehab centers are some of the best in the world.

There is a wide range of treatment centers in Arizona that employ a range of different techniques to help the patient break their addiction. Some of these will have particular specialisations, which might be more appropriate for certain types of patient, so it is always sensible to find out as much as you can about an Arizona drug rehab before making an appointment. Services like drugs-rehabs.org will be able to provide you with treatment center listings in your area, with basic descriptive information to help you make the best decision for you. Some of the features that might help influence your decision for the best:

· Does the center have a particular religious affiliation? While Christian centers, for example, might be willing to accept non-Christian patients, many will feel more comfortable in a non-denominational center, or one that practises their own faith.

· What type of care is available? Ensure that your chosen center has a program specifically for drug detoxification. Other kinds of therapy will be useful, but it will be necessary for the patient to make a commitment to ceasing drug use also.

· What facilities are available? Some Arizona drug rehab centers will only cater to outpatients, which may not offer enough support to a badly addicted patient. Find a center that provides inpatient care.

· What payments options are available? Does the center accept Medicare, Medicaid or private health insurance? If you are not involved with any of these programs, can your center offer sliding scale payments?

There are many high quality Arizona drug rehab treatment centers available, but it is important that you choose the best one for you or your loved one. Never hesitate to contact a center directly to find out more about their facilities, or to find out whether they can cater to any special needs you might have. The right treatment center is out there, and with a little investment of time and effort, you will find it. The best treatment for you or your loved one will be well worth it.

About the author:
Jeff Lakie is the founder of Rehab Resources a website providing information on drug and alcohol rehabilitaiton treatments

Are You Sometimes Confused by Written Medical Instructions?

by: Emily Clark

Now, imagine what it would be like if you were sick, scared and
had only third grade reading skills. Your doctor tells you, "You've
got to follow these instructions exactly, or you could die."

About 200 recent studies have shown the reading difficulty of
most health related materials FAR exceeds the average reading
abilities of the American adult. One of the biggest silent health
problems today is the gap between health materials and reading
skills.

In the United States, the average reading level is eighth grade.
In 1992, the Educational Testing Service determined that half
U.S. adults read at between first and eight grade level. That is
about 148 million people. It gets worse. One quarter of Americans
read BELOW FOURTH GRADE level, meaning 74 million people would
struggle with even the simplest, most well written health
materials.

Does it matter? Do you remember the anthrax scare, when someone
was putting deadly white powder into our mail system?

During that terrorist scare, the U.S. post office mailed millions
of post cards to Americans. The post cards told people how to
protect themselves from the deadly infection. They gave
instructions on how to handle and report suspicious mail. These
post cards were written at between ninth and eleventh grade
reading level.

More than half the people who got that mailing could not read it
well enough to protect themselves and others. Does it matter? Do
148 million people matter? Will it matter the next time the
terrorists strike?

Do you remember the mailing the Surgeon General sent out
explaining how to avoid contracting HIV? He made every effort to
see that it was written in clear, simple language. He got
criticism for just how plain talking it was in places. A later
evaluation of that document showed that it was written at between
seventh and ninth grade level. Half the people receiving it read
at a level BELOW what was required to read it. No wonder the
infection keeps spreading.

Think about it. For millions of people, the problem is not just
the tiny print on prescription bottles. The problem is the words
themselves. What does "take on an empty stomach" mean exactly?
When should you "take four times a day"? Perhaps your doctor
explained to you at the office. Do you remember what the doctor
said a week later?

Have you ever read the instructions for testing and assessing
blood sugar levels? Have you ever tried to fill out a Medicare
form? Do you struggle with letters from your health insurance
provider?

Only 45% of asthmatics with literacy problems knew that they
should stay away from things they are allergic to even if they
WERE taking asthma medication. 89% of the people reading at high
school level were clear about the same information. It's not a
matter of intelligence. It's a matter of a missing skill which
well-educated health providers presume is present in their
readers when they sit down to write.

There are two parts to the problem: the writer and the reader.
Recently, the public health community has begun efforts to raise
awareness. They are alerting the medical providers to the impact
of health literacy issues. Some fledgling efforts are underway to
provide clearer, simpler materials for the public. People are
finding alternatives to reading for presenting the same
information.

There is a long way to go. Sign up now with your local literacy
program as a volunteer.

Drop in on your elderly neighbor and help her learn to read the
specialized health material so critical in her life. (You may
want to ask her about her life first, to save embarrassment when
you learn you're talking to a retired English teacher). Start
with all those ridiculously obscure materials her doctor sent
home with her about glaucoma. You can go on to that Medicare form
she needs to send in tomorrow.

Do you want to know what eighth grade reading level is? You just
read 700 words of it. 74 million Americans reading at below
fourth grade level could have found it too hard for them to
understand.

The information contained in this article is for educational purposes
only and is not intended to medically diagnose, treat or cure any
disease. Consult a health care practitioner before beginning any
health care program.

About the author:
Emily Clark is editor at Lifestyle Health News and Medical Health News
where you can find the most up-to-date advice and information on
many medical, health and lifestyle topics.

An Introduction to Medical Billing -

by: Damian Sofsian

A growing number of professional, experienced health consultants and medical claim processors are needed in the country today. Healthcare is such a large and technologically driven industry that knowledge and procedures used today are likely to be seen as far outdated only a few years from now. To keep pace with all the various procedures, techniques, and technologies available and distinguish one from the other in a clear manner, definitions are made and coded for every kind of surgical procedure, diagnosis, and complaint. These definitions and codes help doctors ensure that they are compensated accurately for their services by the health insurance companies.

Medical billing is the process by which the needed data for completion of all the necessary forms (insurance cards, patient info, encounter forms, diagnosis, treatment, etc) is collected and processed for payment. This data is then entered into one of a variety of competing medical billing/patient accounting software programs. Medical billers are also responsible for following up using effective paperwork and time-management skills. Having been trained to understand an insurer’s EOB (explanation of benefits), the medical biller must review all claims for errors. If not all of a patient’s balance is covered by insurance, the medical biller has to decide if the balance will be written off or billed to the patient. The main job of the medical biller is to ensure that the physician or facility receives optimal reimbursement for services rendered. Weekly, bi-weekly, and monthly reports are often generated by the accounting software to show the client (physician, facility) whether they are losing or making money on various insurance contracts.

Besides the above main responsibilities, a medical biller must have or develop the following skills:

• Understand and be able to explain insurance terms and benefits to clients and patients

• Accurately read and complete claim forms

• Perform bookkeeping activities

• Bill insurance companies and patients promptly and accurately

• Handle everyday medical billing procedures

• Document all activities using the correct terminology

• Schedule appointments

• Follow-up with insurance companies and patients on unpaid bills

Medical billing is a growing opportunity to the ever-expanding health industry and many people are finding satisfying and well-paying careers working both at hospitals or small clinics and from home running their own medical billing small business.

About the author:
Medical Billing Info provides comprehensive information about medical billing software, services, jobs and companies. Medical Billing Info is the sister site of Medical Billing Software Web.

An Explanation of Medical Billing Software Prices -

by: Damian Sofsian

Medical billing software prices can vary widely depending on the size and scope of your practice and the software package you choose. Medical billing software is offered in many forms to the discerning customer. Innovations in the technology of medical billing software have created a new benchmark of digital accuracy. There are many packages offered, such as software with equipment lease, software lease via the Internet, or the software along with installation and training. When you are evaluating the needs of your practice, consider the factors that will affect the cost of your medical billing software such as the number of users, the number of patients, amount of use, and amount of data storage.

Many software packages will not fill all the diverse needs of your practice, so make sure you identify vendors who are familiar with health care management solutions and who will work with your practice to sustain your advantage in the business. When investigating prices for medical billing software it is a good idea to ask how and for what purpose the system was designed, and the cost for all the data to be secure, backed-up and protected on servers that are compliant with the HIPAA (Health Insurance Portability and Accountability Act of 1996). Also find out what the total price will be including ongoing costs, like upgrades, maintenance and training.

Other significant factors that will affect the price of medical billing software are the price of user licenses, and the costs involved with customization to fit your medical practice. Check to see if you can configure the software without assistance, and whether a first time user can quickly learn the program. If the answer is yes to these questions, you will save a bundle on training your staff. Selected vendors will allow you to create your own medical software quote by asking a series of questions that will identify your precise needs. Keep an eye out for companies who provide free updates to ensure continued HIPAA compliance.

There are medical billing software options out there that require a minimal provider investment, such as the web-based solution that allows the medical billing provider to manage and maintain all of your data and hardware within a totally secure remote environment. You could have all of the advantages of great medical billing software, including exclusive access to patient information, at sharply reduced costs. Some points of sale to look out for are: no hardware or software to buy, no need for installation, and no upgrade costs. Carefully evaluate the needs of your medical practice to see if this easy and popular option is right for your practice.

Finding a comprehensive selection of medical billing software prices can be a simple task if you are certain from the outset of your medical practice needs, and the size and flexibility of your budget. Medical billing software does not have to be costly to work efficiently. Once an expensive bundle of complicated interfaces filled with cumbersome textual fragments, today's electronic medical billing suites are reasonably priced, straightforward and intuitive.

About the author:
Medical Billing Software Info provides comprehensive information about medical insurance billing software, HIPAA compliant medical billing software, easy and free medical billing software, and medical billing software prices and reviews. Medical Billing Software Info is the sister site of Medical Billing Web.

An Explanation of Medical Billing Software

by: Damian Sofsian

Medical billing is an increasingly popular office or home-based small business opportunity that involves using skills and knowledge in medical terminology, insurance claims, and customer service to ensure that physicians and clinics receive payment from patients and insurance companies.

Whether working from home based small-businesses or at large hospitals, every medical biller utilizes medical billing software. Though still referred to as medical billing software, today’s electronic medical billing software is also more accurately called medical practice management software and covers many functions. Up-to-date medical billing software will generate a variety of reports based on data, manage appointments, as well as collect, transmit, and track billing information and payments. Current medical billing software will also make sure that records are kept in compliance with the Health Insurance Portability and Accountability Act security standards. When deciding on software to buy, compliance with this act is an important consideration and will help you steer clear of some of the software scam artists out there.

When considering software for a medical billing business, here are some things to ask yourself or potential suppliers:

• Does the software include the ability to manage several different accounts?

• Can the software handle multiple doctors or multiple offices?

• Does the software recognize current procedure and diagnosis codes and it is updatable for the future (very important!)

Many vendors will allow a trial use of their program to see if it fits your needs. You will also be able to address whether the supplier answers questions in a timely fashion and if the are helpful in a trouble-shooting situation. Remember that a good medical billing software suite will cost at least $500 so don’t be fooled by people trying to sell $50 products that don’t even function.

Though electronic billing is still mainstream, there is a movement towards online billing where a subscription is setup on the web allowing a paperless entry of patient information, claims, and more. This service will cost more than $200 per month so you have to research and weigh the benefits of a one time investment for electronic medical billing software that is local or the online web-based software that can be used from any web-connected computer or device

Alert: New HIPAA Rules Could Affect Your Organization's Email System

by: Matt Coers

A new Health Insurance Portability and Accountability Act (HIPAA) security rule went into effect. The requirements of this rule, which are basically information security best practices, focus on the three cornerstones of a solid information security infrastructure: confidentiality, integrity and availability of information.

The HIPAA regulatory requirements encompass transmission, storage and discoverability of Protected Health Information (PHI). Given the widespread use and mission-critical nature of email, enforcement of HIPAA encryption policies and the growing demand for secure email solutions, email security has never been more important to the healthcare industry than it is right now.

Although many assume it applies only to health care providers, HIPAA affects nearly all companies that regularly transmit or store employee health insurance information. HIPAA was signed into law in 1996 by former President Bill Clinton, with the intent of protecting employee health and insurance information when workers changed or lost their jobs. As Internet use became more widespread in the mid-to-late 1990s, HIPAA requirements overlapped with the digital revolution and offered direction to organizations needing to exchange healthcare information.

HIPAA in the Workplace

Collaboration between employers and healthcare professionals has grown increasingly digital, and email has played an ever-increasing role in this communication. However, email’s increased importance can lead to severe consequences without proper security and privacy measures implemented.

In addition to the usual concerns about privacy and security of email correspondence, even organizations that are not in the healthcare industry must now consider the regulatory compliance requirements associated with HIPAA. The Administrative Simplification section of HIPAA, which, among other things, mandates privacy and security of Protected Health Information (PHI), has sparked concern about how email containing PHI should be treated in the corporate setting. HIPAA, as it relates to email security, is an enforcement of otherwise well-known best practices that include:

* Ensuring that email messages containing PHI are kept secure when transmitted over an unprotected link

* Ensuring that email systems and users are properly authenticated so that PHI does not get into the wrong hands

* Protecting email servers and message stores where PHI may exist

Organizations regulated by HIPAA must comply and put these practices in place. However, the need to comply with regulations puts particular pressure on the healthcare industry to enhance their use of technology and “catch up” with other industries of similar size and scope.

Privacy and Email Security

The privacy protection provisions in HIPAA pose a major compliance challenge for the healthcare industry. These provisions are intended to protect patients from disclosure of any of their individually identifiable health information. Organizations that fail to protect this information face fines ranging from $10,000 to $25,000 for each instance of unauthorized disclosure. If the disclosure is found to be intentional, HIPAA provides for fines ranging from $100,000 to $250,000 and possible jail time for individuals involved in the violations.

The clock is ticking – it’s time to get started

Bringing an enterprise into compliance with the rules set by HIPAA can seem like a very daunting task to even the most experienced executives. Nonetheless, the growing dependence on email as a mission-critical application requires that your organization implement comprehensive security and privacy policies – and soon. A solid combination of security policies and the technologies to enforce those policies can ensure improved security as well as HIPAA readiness and ongoing adherence.

About the author:

Dr. Paul Judge is a noted scholar and entrepreneur. He is Chief Technology Officer at CipherTrust, the industry's largest provider of enterprise email security solutions. Learn how to make your email system comply with HIPAA regulations by visiting www.ciphertrust.com

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