Showing posts with label health insurance. Show all posts
Showing posts with label health insurance. Show all posts

Thursday, January 2, 2014

The Take-Charge Patient: How You Can Get the Best Medical Care Paperback by Martine Ehrenclou @Med_writer #nurseup

The Take-Charge Patient: How You Can Get the Best Medical Care Paperback by Martine Ehrenclou @Med_writer:" Frustrated or confused about how to get good medical care? In her newest book, The Take-Charge Patient: How You Can Get The Best Medical Care, (Lemon Grove Press, on sale May 15, 2012) award-winning author and patient advocate, Martine Ehrenclou, empowers patients to become proactive, well informed participants in their own care. With advice and personal stories from over 200 doctors, nurses, pharmacists, health psychologists, patients and more, The Take-Charge Patient reveals insider information on how to cut through the red tape and navigate today’s complex health care system with confidence."
http://www.amazon.com/Take-Charge-Patient-Best-Medical-Care/dp/0981524036/

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Discover! "Unconventional Nurse: Going from Burnout to Bliss" Michelle Podlesni, RN @MPodlesni
http://unconventionalnurse.com/al/

Power Strategies For Nurses:"Do your nursing shifts feel like you’re running full speed ahead on a treadmill that you just can’t stop?
http://revolutionarynurse.com/power-strategies-nurses-program-2/

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Did you know? Our team of nurses has been researching, indexing healthcare resources for over a decade? If you have questions, need resources, stop here first and search our index. If we don't have it, ask us

Andrew Lopez, RN
Nursefriendly National Directories
38 Tattersall Drive
West Deptford, New Jersey 08051
856-415-9617, Fax: 856-415-9618, info@nursefriendly.com, @nursefriendly
http://www.nursefriendly.com/

This is Preventive Care? Eye health screenings and your health insurance plan, @med_writer #healthinsurance

This is Preventive Care? Eye health screenings and your health insurance plan, @med_writer #healthinsurance:"My new health insurance plan, issued by Anthem Blue Cross, covers certain preventive care services. One is an annual eye health screening. I just had my annual eye exam done by my eye doctor who is an in-network provider. So I’m eligible to order more contact lenses, I am required by law to have my eyes examined once a year.

Yesterday I received a phone call from my eye doctor’s office. They submitted my claim for my eye exam and let me know that Anthem Blue Cross denied it. I was told that annual eye exams, according to my health insurance company, are “eye chart vision screenings” performed by my primary care physician at my annual well-woman visit."
Facebook: https://www.facebook.com/TheTakeChargePatient
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Twitter: https://twitter.com/Med_writer
http://martineehrenclou.com/2013/05/this-is-preventive-care-eye-health-screenings-and-your-health-insurance-plan/


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New!

Discover! "Unconventional Nurse: Going from Burnout to Bliss" Michelle Podlesni, RN @MPodlesni
http://unconventionalnurse.com/al/

Discover Martine Ehrenclou, @Med_Writer, Author of "The Take Charge-Patient"
http://www.thetakechargepatient.com/

Power Strategies For Nurses:"Do your nursing shifts feel like you’re running full speed ahead on a treadmill that you just can’t stop?
http://revolutionarynurse.com/power-strategies-nurses-program-2/

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Did you know? Our team of nurses has been researching, indexing healthcare resources for over a decade? If you have questions, need resources, stop here first and search our index. If we don't have it, ask us

Andrew Lopez, RN
Nursefriendly National Directories
38 Tattersall Drive
West Deptford, New Jersey 08051
856-415-9617, Fax: 856-415-9618, info@nursefriendly.com, @nursefriendly
http://www.nursefriendly.com/

Wednesday, November 13, 2013

How your company is watching your waistline. #employers #obesity #jobhunting #healthinsurance #nurseup

How your company is watching your waistline:"Employers tried the carrot, then a small stick. Now they are turning to bigger cudgels.

For years they encouraged workers to improve their health and productivity with free screenings, discounted gym memberships and gift cards to lose weight. More recently, a small number charged smokers slightly higher premiums to get them to quit.

Results for these plans were lackluster, and healthcare costs continued to soar. So companies are taking advantage of new rules under President Barack Obama's healthcare overhaul in 2014 to punish smokers and overweight workers."
http://www.reuters.com/article/2013/11/13/us-usa-healthcare-benefits-idUSBRE9AC0IM20131113

More like this: http://www.nursefriendly.com/obesity/

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New!

Discover! "Unconventional Nurse: Going from Burnout to Bliss" Michelle Podlesni, RN @MPodlesni
http://unconventionalnurse.com/al/ 

Discover Rodan & Fields Dermatologists, Take Their Free Online Skin Consultation.
https://www.facebook.com/groups/nurseup/permalink/523614767722544/

Work At Home, RN Jobs, Do You Know Where To Find Them? Ask Nursing Career Coach Carmen Kosicek
https://www.facebook.com/nursefriendly/posts/10202345780396833

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Did you know? Our team of nurses has been researching, indexing healthcare resources for over a decade? If you have questions, need resources, stop here first and search our index. If we don't have it, ask us 

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Andrew Lopez, RN
Nursefriendly National Directories
38 Tattersall Drive 
West Deptford, New Jersey 08051
856-415-9617, Fax: 856-415-9618, info@nursefriendly.com, @nursefriendly
http://www.nursefriendly.com/

Wednesday, March 2, 2011

How patients and doctors can improve the primary care office visit

Consumer Reports recently released a survey of both patients and primary care doctors, regarding their perceptions of each other.

Some interesting findings, as summarized by the WSJ’s Health Blog:

On the issue of respect and appreciation, 70% of doctors said they were getting less of it from patients than when they started practicing. For patients, meantime, the more they reported being treated respectfully and listened to, the more satisfied they were with their physician.

Respect matters. Treating health professionals in a courteous manner definitely helps when receiving medical care. On the flip side, physicians also need to respect patents, as it positively impacts patient satisfaction.  Both parties need to improve in this area.

Doctors said insurance paperwork topped their list of things that interfere with their ability to provide the best possible care. Financial pressure was No. 2.

Click on the "Via" link to read the full article.

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Andrew Lopez, RN
Nursefriendly, Inc. A New Jersey Corporation.
38 Tattersall Drive, Mantua New Jersey 08051
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Tuesday, January 18, 2011

In Defense Of Overhaul, Administration Says Preexisting Conditions Are Common : Shots - Health News Blog : NPR

Look at your friends and family. Look at yourself in the mirror.

Chances are good that quite a few people in your social circle have health trouble that would make it a lot more expensive or impossible to get health insurance, according to an analysis the Department of Health and Human Services released Tuesday morning.

doctor
Enlarge AP

Starting in 2014, insurers can no longer carve out needed benefits, charge higher premiums, set lifetime limits on benefits, or deny coverage due to a person’s preexisting condition.

doctor
AP

Starting in 2014, insurers can no longer carve out needed benefits, charge higher premiums, set lifetime limits on benefits, or deny coverage due to a person’s preexisting condition.

The report, timed to come out just as the Republican-controlled House moves ahead with a bill to repeal the federal health overhaul, estimates that as many as 129 million Americans younger than 65 have some sort of preexisting condition.

 

All told, 19 to 50 percent of those people have a health issue that would complicate the purchase of private health insurance. Asthma and high blood pressure could drive the costs up. More serious health problems could scotch private insurance altogether.

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Andrew Lopez, RN
Nursefriendly, Inc. A New Jersey Corporation.
38 Tattersall Drive, Mantua New Jersey 08051
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856-415-9617, (fax) 415-9618

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Monday, January 10, 2011

When Insurers Put Profits Before People - NYTimes.com

Late in 2007 I found myself riveted by a case playing out at the University of California, Los Angeles, the medical center where I trained and had once worked as a transplant surgeon. A 17-year-old girl named Nataline Sarkisyan was in desperate need of a transplant after receiving aggressive treatment that cured her recurrent leukemia but caused her liver to fail. Without a new organ, she would die in a matter of a days; with one, she had a 65 percent chance of surviving. Her doctors placed her on the liver transplant waiting list.

Nataline’s case was not all that different from the more than 200 liver patients I had seen successfully transplanted every year at that institution. She was critically ill, as close to death as one could possibly be while technically still alive, and her fate was inextricably linked to another’s. Somewhere, someone with a compatible organ had to die in time for Nataline to live.

But even when the perfect liver became available a few days after she was put on the list, doctors could not operate. What made Nataline different from most transplant patients, and what eventually brought her case to the attention of much of the country, was that her survival did not depend on the availability of an organ or her clinicians or even the quality of care she received. It rested on her health insurance company.

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Friday, January 7, 2011

Health Care Spending Declines to 50-Year Low - Nursing Link

U.S. health care spending in 2009 grew at the slowest rate in 50 years, as the recession and high unemployment caused outlays for nearly all medical goods and services to slow or decline, according to a new government report released Wednesday.

Unlike previous recessions, when spending for health services began to slow some two years after an economic downturn, the effect of the Great Recession was swift and profound on insurers, health care providers and patients in both 2008 and 2009.

Total public and private spending for health services grew by 4 percent to $2.5 trillion, or $8,086 per person in 2009.

That’s up from $7,845 per person in 2008 when annual health outlays increased only 4.7 percent, which was the second-slowest growth rate in the last half a century, the Department of Health and Human Services reported.

Fueling the spending slowdown in 2009 was a 3.2 percent decline in private health insurance enrollment as 6.3 million people lost job-based health coverage that year. That loss of private coverage also curbed growth in out-of-pocket spending by patients, many of whom delayed medical care because of a lack of cash.

Click on the link above to read the complete article.
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Andrew Lopez, RN
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Tuesday, January 4, 2011

The Long and Winding Road to the Emergency Room - NYTimes.com

He was the first patient of the day, dropped off at the emergency room by the police or a family member — a man in his 50s, unshaved, stumbling, engulfed in the pungent aroma of alcohol.

Joseph Daniel Fiedler

When he blew into the breathalyzer’s strawlike tube, the readout was 0.18, more than twice the legal limit.

“I get seizures,” he said, referring to the dangerous reaction some people experience when they abruptly stop drinking. Then, as if to prove it, he held out trembling hands. Each bore the nicks and scars of a hard-lived life.

I looked at the beads of sweat on his brow, then down at his vital signs. Heart rate 120; blood pressure pushing 170/90. Despite his high alcohol level he was already in withdrawal. A medical detoxification — with drugs to counteract the sudden absence of alcohol in his system — was the right first step.

“Let’s admit him,” I said to his nurse. Because it was still early, there was a good chance a hospital bed would be available.

Her reply was apologetic but resigned: “He’s out of network.” I winced at my own naïveté. “Out of network,” a euphemism for “insurance will not pay,” was a roadblock I should have anticipated. A nuisance for many patients and would-be providers, it is ubiquitous in the second-class world of substance-abuse treatment, where insurance companies contract with selected hospitals and doctors to deliver care at bargain rates.

We called the few in-network hospitals within a broad radius. One had a bed. But before accepting my patient, the receiving doctor wanted a battery of tests, including an electrocardiogram and laboratory work, to rule out other medical concerns. It would be a day or so before the tests came back.

But the patient was already in withdrawal, I told the doctor. He couldn’t wait a day.

“Sorry,” he said flatly. “He

To read the complete article click on the above link:
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Andrew Lopez, RN
Nursefriendly, Inc. A New Jersey Corporation.
38 Tattersall Drive, Mantua New Jersey 08051
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Friday, December 3, 2010

The 3 Times You Should Re-examine Your Health Care Benefits | Education & Careers

While our three (ring circus) branches of government try to figure what to do with health care, life for us down here in the trenches continues to march on. This means accidents happen, people get sick, and at some point every one of us ends up (at one time or another) in a doctor’s examination room wrapped in a paper gown. For this reason, you need to consider all your health insurance options whether you’re employed or not. Unfortunately, when your job status changes, so does your coverage. Here are the three most important times you need to re-examine your health care benefits.

When You Start a New Job

The sad truth is most employers can’t afford to cover their employees with 100% health care. In most cases, an employer pays for part or most of an employee’s plan, but then the employee has to also kick in to make up the difference. When you hire on with a new company, be sure to read the company’s health insurance policy from cover to cover. If you don’t understand something, ask your employer to spell it out for you. Typically, an employer health care plan DOES cover general doctor visits and catastrophic care, but usually DOESN’T include extras like dental, vision, chiropractic care, etc. If these things are important to you then often you can include them as extras on your policy, but you’ll have to pay for them.

Also if you or someone in your family has a pre-existing condition, you need to make sure that condition will be covered under your new plan. In fact, check on this BEFORE you quit your old job. And if you like the doctors you’ve been seeing make sure those doctors are covered under your new plan. If not, you may be paying for your doctor visits 100% out of your own pocket.

If You Quit or Are Fired From Your Existing Job

Regardless of the reason you leave a job the COBRA Act of 1985 ensures that you can take your company’s health insurance benefits with you for up to 18 months. Unfortunately, you’ll have to pay 100% of those monthly premiums yourself, but at least you’re covered. This is especially important if you’re going through specific treatment at the time you leave a job, or you want to retain your same health insurance while you look for a new job.

Whatever you do, DO NOT roll the dice and go without health insurance. That’s never a gamble worth taking.

If You’re In Between Jobs

If your employer’s health plan is too expensive for you to continue with on your own, then you need to get some sort of health insurance while you look for work. If you’re married, check to see if your spouse’s plan will cover you, at least for catastrophic care. You may have to pay a little extra, but it probably won’t add up to what you’d pay for your own policy.

If you have to purchase your own health insurance you basically have two options; A PPO (expensive, but covers a lot) or catastrophic care (cheaper, but with less coverage). The one you choose depends upon A) How much money you have to spend on health care, and B) How long you anticipate being unemployed.

A PPO is the closest thing your employer provided you with in terms of health care. Typically, a PPO has a family deductible of anywhere from $1,000 to $5,000 annually and also offers co-pays for doctor office visits and prescription drugs. This means you pay your doctor office co-pay of, for example, $25 per visit, every time you go to your doctor. But after you’ve paid enough medical bills (in a calendar year) to meet your deductible, then the insurance company pays anywhere from 80% to 100% of your remaining medical bills, but only for the rest of the calendar year. After January 1 the slate is wiped clean and you start paying toward your deductible all over again.

A PPO plan is pretty expensive because it covers everything from a cold to cancer. If you know you’re going to be out of work only for a short time, then a PPO may be overkill. Instead, you can go with a catastrophic care plan, which has a very high deductible (usually $5,000 to $10,000), and only covers you for major medical expenses, such as accidents or long term severe illness (like cancer). If you’re healthy, and left without health benefits for a month or less, then a catastrophic care plan may make more sense. It’s way cheaper than a PPO, but still guarantees you won’t lose everything if you happen to have an accident that requires expensive treatment while you’re without employer benefits.

Regardless of your employment status you should NEVER go without health insurance. It only takes something as simple as a hernia surgery or a broken leg to wipe out everything you’ve ever worked for. True, you don’t know if you’ll ever need to go to the doctor while in between jobs, but that’s why they call it insurance – because then you won’t have to worry if you do.

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Thursday, December 2, 2010

Arizona Cuts Financing for Transplant Patients

Effective at the beginning of October, Arizona stopped financing certain transplant operations under the state’s version of Medicaid. Many doctors say the decision amounts to a death sentence for some low-income patients, who have little chance of survival without transplants and lack the hundreds of thousands of dollars needed to pay for them.

“The most difficult discussions are those that involve patients who had been on the donor list for a year or more and now we have to tell them they’re not on the list anymore,” said Dr. Rainer Gruessner, a transplant specialist at the University of Arizona College of Medicine. “The frustration is tremendous. It’s more than frustration.”

Organ transplants are already the subject of a web of regulations, which do not guarantee that everyone in need of a life-saving organ will receive one. But Arizona’s transplant specialists are alarmed that patients who were in line to receive transplants one day were, after the state’s budget cuts to its Medicaid program, ruled ineligible the next — unless they raised the money themselves.

Francisco Felix, 32, a father of four who has hepatitis C and is in need of a liver, received news a few weeks ago that a family friend was dying and wanted to donate her liver to him. But the budget cuts meant he no longer qualified for a state-financed transplant.

He was prepared anyway at Banner Good Samaritan Medical Center as his relatives scrambled to raise the needed $200,000. When the money did not come through, the liver went to someone else on the transplant list.

“I know times are tight and cuts are needed, but you can’t cut human lives,” said Mr. Felix’s wife, Flor. “You just can’t do that.”

Such high drama is unfolding regularly here as more and more of the roughly 100 people affected by the cuts are becoming known: the father of six who died before receiving a bone marrow transplant, the plumber in need of a new heart and the high school basketball coach who struggles to breathe during games at high altitudes as she awaits a lung transplant.

“I appreciate the need for budget restraints,” said Dr. Andrew M. Yeager, a University of Arizona professor who is director of the Blood and Marrow Transplantation Program at the Arizona Cancer Center. “But when one looks at a potentially lifesaving treatment, admittedly expensive, and we have data to support efficacy, cuts like this are shortsighted and sad.”

State Medicare officials said they recommended discontinuing some transplants only after assessing the success rates for previous patients. Among the discontinued procedures are lung transplants, liver transplants for hepatitis C patients and some bone marrow and pancreas transplants, which altogether would save the state about $4.5 million a year.

“As an agency, we understand there have been difficult cuts and there will have to be more difficult cuts looking forward,” said Jennifer Carusetta, chief legislative liaison at the state Medicare agency.

The issue has led to a fierce political battle, with Democrats condemning the reductions as “Brewercare,” after Gov. Jan Brewer.

“We made it very clear at the time of the vote that this was a death sentence,” said State Senator Leah Landrum Taylor, a Democrat. “This is not a luxury item. We’re not talking about cosmetic surgery.”

The Republican governor has in turn blamed “Obamacare,” meaning the federal health care overhaul, for the transplant cuts even though the Arizona vote came in March, before President Obama signed that bill into law.

But a top Republican, State Representative John Kavanagh, has already pledged to reconsider at least some of the state’s cuts for transplants when the Legislature reconvenes in January. Mr. Kavanagh, chairman of the Appropriations Committee, said he does not believe lawmakers had the full picture of the effect of the cuts on patients when they voted.

“It’s difficult to be linked to a situation where people’s lives are jeopardized and turned upside down,” he said in an interview. “Thankfully no one has died as a result of this, and I believe we have time to rectify this.”

Across the country, states have restricted benefits to their Medicaid programs, according to a 50-state survey published in September by the Kaiser Commission on Medicaid and the Uninsured. But none have gone as far as Arizona in eliminating some transplants, which are considered optional services under federal law.

Before the Legislature acted, Arizona’s Medicaid agency had provided an analysis to lawmakers of the transplants that were cut, which many health experts now say was seriously flawed. For instance, the state said that 13 of 14 patients under the state’s health system who received bone marrow transplants from nonrelatives over a two-year period died within six months.

But outside specialists said the success rates were considerably higher, particularly for leukemia patients in their first remission.

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Andrew Lopez, RN
Nursefriendly, Inc. A New Jersey Corporation.
38 Tattersall Drive, Mantua New Jersey 08051
http://www.nursefriendly.com info@nursefriendly.com ICQ #6116137
856-415-9617, (fax) 415-9618

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Thursday, October 14, 2010

Health Insurance for Children

Health Insurance for Children:"In today’s Patient Money column, Lesley Alderman writes about the various ways parents can find health coverage for their children, even if they think they can’t afford it."
http://well.blogs.nytimes.com/2010/10/08/health-insurance-for-children/#



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Sunday, October 3, 2010

Principal Financial to Stop Selling Health Insurance - NYTimes.com

Principal Financial to Stop Selling Health Insurance - NYTimes.com:"The Principal Financial Group announced on Thursday that it planned to stop selling health insurance, another sign of upheaval emerging among insurers as the new federal health law starts to take effect."
http://www.nytimes.com/2010/10/01/health/policy/01insure.html#



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Sincerely,

Andrew Lopez, RN
Nursefriendly, Inc. A New Jersey Corporation.
38 Tattersall Drive, Mantua New Jersey 08051
http://www.nursefriendly.com info@nursefriendly.com ICQ #6116137, Facebook/Skype/Twitter-nursefriendly
856-415-9617, (fax) 415-9618

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