health equity

Perhaps one of the most controversial issues in the United States being faced by the Federal Government is health insurance especially that it is at a time when financial resources are extremely low these past years. When it comes to health care provisions, the U.S. ranks below the several developed countries like itself as well as some of the developing countries, according to the benchmark statistics for such, in that many are unable to avail of health care programs. This is being dealt with affordable care legislation where several changes are being implemented with potential positivity.

What the Statistics Reveal About the Health Care in the US

The system actually does not work as well for anyone and that is noted by the national statistics for health care. Being one of the very few countries without a nationalized health insurance or health care, the United States gives its people the burden to look for health care which can be bought from private providers. With many of these providers facing quite a competitive market however, still many people can’t afford health care and so most of the seniors and retirees are faced with the financial burden toned down in many other areas in life.

The effects of a private health care system in the financial aspect has been truly crippling to the people and the economy in general. Majority of the people are currently questioning the soundness of such a system and are looking for changes. Considering that the U.S. possesses unparalleled technological resources many people see it truly unfair that they are decaying below several other nations in terms of mortality rate in infancy, lifespan statistics, and in the general health of its population. Those who either have no insurance or under-insured are growing constantly even when several efforts designed to reverse the trend has been implemented.

Employment, Retirement and Government Schemes for Health Insurance

Those who are employed and retired have availed of insurance paid directly through employers and retirement schemes. Because of these schemes many people have come to avail of it where they may not even possibly choose to have one if it were according to their own efforts. Such schemes are made in addition to the government schemes designed for the protection of particular groups. Take for instance Medicare programs for seniors and the Medicaid schemes for the poorest portion of the population, as they are government interventions aiming to give benefits to the majority however expenses also come consequential to the economy in general.

A new legislation passed recently had it in mind to provide health care that is more affordable to many sectors of the population and this has been welcomes throughout the industry of health care however the extent of its effects still comes undefined. A large portion of the U.S. population still have no health insurance cover and in order to address this the right way the economy will have to go through severe sacrifices in some areas of the national budget given the recession taking place. This may be a move towards the systems found in other developed countries however it proves to be costly to maintain.

What Seniors Can Do Best For Health Care

Many seniors are gravely concerned about the health insurance sector of today particularly that there is a visible growth in the population of older ages and thus their need for health care is expected to increase. A large portion of the seniors’ budget often goes to health care and so when it comes to other aspects they can be restricting unless savings plans have been amply accumulated while they were in their working stage. Tax benefits being presented to those who start savings plan and save their money until their retiring age has a significant need to be taken advantaged of therefore.

Finding Quotes and the Best Offer in Health Insurance

Because there are several health insurance providers out there it may be tough to know where to begin. But a good way to go is to start obtaining quotes from larger and more established insurance companies as they can give a good benchmark when it comes to comparing quotes with other suppliers. You are likely to find small independent providers beating these quotes particularly those with a very narrow market to specialize on.

With the Internet booming, health insurance being sold has changed and conformed to a great advantage to the consumers. Today you can easily avail of quotes from several suppliers without the need to leave your desk or the cost of several phone calls. This big savings in time made possible in this modern way of obtaining quotes have eliminated old systems as anybody can access the Internet and consequently benefit from it not only through competitive quotes but also in making their choices of suppliers even wider. So when you plan to buy insurance, maximize this advantage.

Telemedicine is an important component of the robust and technology driven Affordable Care Act system (Obama care) and provides avenues for reducing costs in the new healthcare structure, because it offers options in how to access healthcare services.

The Affordable Care Act is the most comprehensive overhaul of the nation’s health care system in decades and it’s implementation and sign-ups will all be processed through marketplace exchanges.

What is the Meaning of Telemedicine?

Telemedicine is the use of telecommunication and information technology to provide clinical health care without a traditional face-to face consultation. It helps eliminate distance barriers and can improve access to supplementary medical services for people with:

Basic or No Insurance
High Deductible (HDHP) Insurance
Traditional Insurance
Tele-health Vs Telemedicine

‘Tele-health’ is an older, broader term for services such as health education and is not limited to clinical services, while ‘Telemedicine’ narrowly focuses on the actual curative aspect between the patient and healthcare professional. Examples of Tele-health are health professionals discussing a case over the telephone or conducting robotic surgery between facilities at different ends of the world.

Tele-Health has a broader scope than telemedicine and is sometimes called e-health, e-medicine, or telemedicine. Health care professional use tools like e-mails, e-visits, e-prescribing, after-hours care, e-reminders, health assessments, self-management tools, health coaching etc.

The State of the Market

The Affordable Care Act (Obama Care) Health Insurance Exchange (HIX) opens on Oct 1st, 2013. and goes into operation on Jan 1st, 2014. The Obama Care exchanges, are State, Federal or joint-run online marketplaces for health insurance. Americans can use their State’s “Affordable” Insurance Exchange marketplace to get coverage from competing private health care providers.

Steps to Sign up for Health Care Plans

Participants enter personal information into a web portal
Learn their eligibility for subsidies based on income, state-determined criteria or employer-based options.
Use a price calculator to shop, compare and choose a best benefit health plan.
Several major health companies have programs like TelaDoc in Aetna, KP-OnCall in Kaiser etc, trying to set up footholds in a market that is widely expected to grow rapidly. All participants have to do is research for telemedicine benefits through their health insurance plans or sign up for independent programs.

How Health Care Professionals Administer Telemedicine

Doctors can treat most everyday health needs by phone or a scheduled video consultation. A study by the American Medical Association shows that 4 out of 5 visits to a primary care doctor could have been treated over the phone instead. After each consultation, patients will receive a clinical report which can be emailed to a primary care physician.

Registered Nurses manage triage calls and act as health coaches. For some specific symptoms, they give guidance for the most appropriate care, and over 32% of the time will offer self-care options so patients avoid a visit to the doctor, ER or Urgent Care facility entirely.

Common symptoms often treated through Telemedicine

Respiratory Infections, Cold/Flu Symptoms, Urinary Tract Infections, Sore Throats, Headaches/Migraines, Sinusitis, Allergies, Insect bites, Certain Rashes, Sprains/Strains, Arthritic Pain, Stomach Aches/Diarrhea, Gastroenteritis, Minor Burns and many non-emergency medical conditions

By 2014, the law mandates that all non-exempt Americans have health insurance or face a tax penalty. The Affordable Care Act has far-reaching advantages such as prohibiting insurance companies from dropping a clients’ coverage if they get sick or discrimination against anyone with a pre-existing condition and extending children’s eligibility on parent’s plans.

For entrepreneurs, who will most likely be responsible for their own health insurance, knowing how telemedicine can supplement their health insurance plans, means they can take full advantage of the options, savings and benefits.

Health insurance has proven itself of great help and financial aid in certain cases when events turn out unexpectedly. In times when you are ill and when your health is in grave jeopardy and when finances seem to be incapable to sustain for your care, health insurance is here to the rescue. A good health insurance plan will definitely make things better for you.

Basically, there are two types of health insurance plans. Your first option is the indemnity plans, which includes the fee-for-services and the second is the managed care plans. The differences between these two include the choice offered by the providers, the amount of bills the policy holder has to pay and the services covered by the policy. As you can always hear there is no ultimate or best plan for anyone.

As you can see, there are some plans which may be way better than the others. Some may be good for you and your family’s health and medical care needs. However, amidst the sweet health insurance plan terms presented, there are always certain drawbacks that you may come to consider. The key is, you will have to wisely weigh the benefits. Especially that not among these plans will pay for all the financial damages associated with your care.

The following are a brief description about the health insurance plans that might be fitting for you and your family’s case.

Indemnity Plans

Flexible Spending Plans – These are the types of health insurance plans that are sponsored when you are working for a company, or any employer. These are the care plans inclusive in your employee benefit package. Some of the specific types of benefits included in this plan are the multiple options pre-tax conversion plan, medical plans plus flexible spending accounts, tax conversion plan, and employer credit cafeteria plans. You can always ask your employer of the benefits included in your health care/insurance plans.

Indemnity Health Plans – This type of health insurance plan allows you to choose your own health care providers. You are given the freedom to go to any doctor, medical institution, or other health care providers for a set monthly premium. The insurance plan will reimburse you and your health care provider according to the services rendered. Depending on the health insurance plan policy, there are those that offers limit on individual expenses, and when that expense is reached, the health insurance will cover for the remaining expenses in full. Sometimes, indemnity health insurance plans impose restrictions on services covered and may require prior authorization for hospital care and other expensive services.

Basic and Essential Health Plans – It provides a limited health insurance benefit at a considerably low insurance cost. In opting for this kind of health insurance plan, it is necessary that one should read the policy description giving special focus on covered services. There are plans which may not cover on some basic treatments, certain medical services such as chemotherapy, maternity care or certain prescriptions. Also, rates vary considerably since unlike other plans, premiums consider age, gender, health status, occupation, geographic location, and community rated.

Health Savings Accounts – You own and control the money in your HSA. This is the recent alternative to the old fashioned health insurance plans. These are savings product designed to offer policy holders different way to pay for their health care. This type of insurance plan allows the individual to pay for the current health expenses and also save for untoward future qualified medical and retiree health costs on a tax-free basis. With this health care plan, you decide on how your money is spent. You make all the decisions without relying on any third party or a health insurer. You decide on which investment will help your money grow. However, if you sign up for an HSA, High Deductible Health Plans are required in adjunct to this type of insurance plan.

High Deductible Health Plans – Also called Catastrophic Health Insurance Coverage. It is an inexpensive health insurance plan which is enabled only after a high deductible is met of at least $1,000 for an individual expense and $2,000 for family-related medical expense.

Managed Care Options

Preferred Provider Organizations – This is charged in a fee-for-service basis. The involved health care providers are paid by the insurer on a negotiated fee and schedule. The cost of services are likely lower if the policy holder chooses an out-of-network provider ad generally required to pay the difference between what the provider charges and what the health insurance plan has to pay.

Point of Service – POS health insurance plans are one of the indemnity type options in which the primary health care providers usually make referrals to other providers within the plan. In the event the doctors make referrals which are out of the plan, that plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service charges may also be covered by the plan but the individual may be required to pay the coinsurance.

Health Maintenance Organizations – It offers access to a network of physicians, health care institutions, health care providers, and a variety of health care facilities. You have the freedom to choose for your personal primary care doctor from a list which may be provided by the HMO and this chosen doctor may coordinate with all the other aspects of your health care. You may speak with your chosen primary doctor for further referrals to a specialist. Generally, you are paying fewer out-of-pocket fees with this type of health insurance plan. However, there are certain instances that you may be often charged of the fees or co-payment for services such as doctor visits or prescriptions.

Government-Sponsored Health Insurance

Indian Health Services – This is part of the Department of Health and Human Services Program offering all American Indians the medical assistance at HIS facilities. Also, HIS helps in paying the cost of the health care services utilized at non-HIS facilities.

Medicaid – This is a federal or s state public assistance program created in the year 1965. These are available for the people who may have insufficient resources to pay for the health care services or for private insurance policies. Medicaid is available in all states. Eligibility levels and coverage benefits may vary though.

Medicare – This is a health care program for people aging 65 and older, with certain disabilities that pays part of the cost associated with hospitalization, surgery, home health care, doctor’s bills, and skilled nursing care.

Military Health Care – This type includes the TRICARE or the CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affair). The Department of Veterans Affair (VA) may also provide this service.

State Children’s Health Insurance Program – This is available to children whose low-income parents were not able to qualify for the Medicaid.
State-Specific Plans – This type of plan is available for low income uninsured individuals.

There are many different types of insurance plans that you may have the prerogative to know about. By learning which health care insurance fits your situation, you can avail of the many options that will likely be of great assistance to you in times when you will need it most. Insurance costs have typically become one of the common draw backs in choosing for an insurance quote. However, weighing the benefits will really matter. Make sure that you always read the benefits, terms and conditions before landing to whichever type of health insurance you choose.

Do you think successful people are just plain lucky?

Successful people did not become successful because they were lucky.

They did not achieve success by accident. Being at the right place at the right time, meeting relevant people, reading the appropriate book, did not come about accidentally or by luck.

Luck is brought about by Labour Under Correct Knowledge.

Successful people prepared themselves. Instead of giving up on anything they started and wanted to achieve they got stronger by learning more.

Success is a methodical, orderly and deliberate process of deciding what you want to do with your life, what are the steps that you need to undertake to get you there, and lastly what you will do once you get there.

One of the most important aspects, if not the most important aspect to success, is the ability to visualise your successful outcome and stay focused on it until you achieve it.

“Imagination is more important than knowledge, knowledge is limited.” – Albert Einstein

Successful people understood the potential power behind knowledge, yet they also understood that, for them to close the gap between where they are and where they wanted to be, they would have to piece together the enigma that is most often referred to as “life”.

They had to build a picture, a vision, of success in their mind, and then go about taking action on creating that envisioned life.

In much the same way, you have to be serious about your present and future, you need to have the knowledge that is required so you, too, may close the gap: you need to be and remain determined to devote yourself to taking massive action to build your business of succeeding in life.

You, too, will need to see the end, your dream and destiny that you desire in your mind’s eye. It is up to you to take the necessary and relevant action to make it all happen. It’s just like going to the doctor with a particular health problem.

The doctor may prescribe a medication for you to take four times a day, yet he cannot be there with you to ensure that you are taking the medication.

It comes back to deciding to be responsible for your life.

Have you noticed how it all stems from that one attitude? Being responsible for your own life.

Your success, your being responsible 100% for you to live your dream life starts here.

When you accept 100% responsibility for yourself and your current life situation, you will have the power to move towards those things you truly desire in life: which is success in all areas of your life.

This life-changing article is about possibilities and opportunities, knowledge and tools. It will help expose your unique course in life.

It will inspire, support and motivate you to excel, to do what successful people do, to have all that successful people have, and to become a shining example of a successful person.

Here, you’re not being told what you couldn’t do, instead you are being told to shoot for the stars. And above all, you are being shown how to shoot for those stars.

“A person is what he thinks about all day long.” – Emerson

Interesting thought, wouldn’t you think? So much so, it’s worth repeating: “A person is what he thinks about all day long.”

Success and happiness cannot happen if you possess the same old thoughts and beliefs.

If you do not change your mind, if you do not get rid of the unsupportive thoughts and beliefs, you will inevitably remain stuck in your old ways. Not much, if anything, will change.

Let’s give you a quick overview on how change comes about:

Your BEHAVIOUR, how you act (or perhaps do not act), controls your success or failure. Your ability to attain high levels of success is dependent upon your actions and behaviours. Your results are the outcome of your behaviour. Now let’s consider where your behaviours come from and what controls them?

Your FEELINGS command your behaviour. Every action that you take is first filtered through your feelings that reside in your subconscious mind. How you feel about something determines what you do and how well you do it. So where do your feelings come from?

Your ATTITUDES create and influence your feelings. Your attitude is your perspective from which you view life. Whatever attitude you have about anything will affect how you feel, which, in turn, affects how you act. Where do your attitudes come from?

Your BELIEFS create, control and influence your attitudes. What you believe about anything will determine your attitude about it, which will create your feelings, and then which will direct your behaviour and action. Belief patterns are so powerful that two people who are in the same situation could perceive things completely differently. It only requires us to believe what we see and how we see it. We all have thousands of beliefs – big and small. And where do your beliefs come from?

Your THOUGHTS create, control and influence your beliefs. Your thoughts are real and are immensely powerful. Everything you accept from the outside world and everything you feed yourself from within is a product of your thoughts. Everything starts as a thought.

So, it goes without saying you need to learn to control your thoughts. And when you do, you will automatically control your beliefs, your attitudes, your feelings and, consequently, your behaviour and actions.

The big secret to success:

Learn to control your thoughts and you will influence your behaviours and actions. It’s all a mind-set. That’s what we’ve been saying all along.

Success is predictable and is not achieved by accident.

Have the mind-set of the successful people and you will achieve success. Believe and it is yours!

“There is a great future in front of you, you can leave your past behind.” – Joel Osteen

Science of success experts have concluded that the brain is a goal-setting organism.

That is fantastic news for us: for whatever goal we give to our subconscious mind, it will work for us day and night, 24/7, to achieve it for us; to make it a reality.

The principal breakthrough that scientists made was that we do not need to waste our precious time and effort trying to change old thoughts and behaviours: we just simply create new ones.

And the other discovery they made was that we can continue to create new thoughts, new memories, new behaviours, new skills, and learn new things for as long as we are alive on this earth.

Now, with the new discoveries in recent years, it has been scientifically proven that our capacity to achieve and succeed literally has no limits.

Our brain has the capacity to continually learn during our entire lifetime.

Our brain can form new thoughts, can have new memories, and can learn new things by the millions, no matter what your age is. By the millions.

That’s how many new things we can learn, that’s how many new skills we can learn, that’s how many new thoughts we can have, that’s how many new behaviours we can adopt.

This is encouraging because there is no limit on your capacity to achieve new things.

No limits whatsoever for the human brain to learn, memorise, develop, achieve and perform at higher levels than ever imagined. It makes no difference what your age is: you are capable of learning anything new that you want to learn.

That adds to what we spoke of earlier: no more excuses.

“The future belongs to those who prepare for it today.” – Malcolm X

Your brain has the capacity to achieve way beyond what was ever thought possible. So now is the time to break out of your limited thinking and start dreaming big and imagining unlimited possibilities.

Becoming successful is not impossible.

It is a choice you make through a decision. Every day, step-by-step, you may climb the mountain of success if you’ve decided to do so, if you’re committed to accomplish what the others think impossible.

Design your future now.

Prepare to receive what you desire.

Thanks to the phenomenal advances made in cognitive science and the development of NLP (Neuro-Linguistic Programming), personal change, personal transformation, has come a very long way.

In fact, personal growth is no longer a mystery.

NLP has brought to light that change, transformation and growth can be fast, reliable, and even fun. It has shown us that we do not need to spend thousands of hours slaving away to increase our creative-thinking abilities.

By practicing a few simple exercises and applications, you can start your creative juices flowing, and you may even amaze yourself at the quality and quantity of good ideas that you can come up with to expedite your success.

It can allow you to achieve something you seek within days and months as opposed to years and decades. That’s the power of the progress science has made on how the brain works, and also how you can have your mind to be your best ally in achieving anything you want.

Learn to live as you like by no longer living as you dislike.

Are you ready to get on the road to success and fulfilment?

Bear in mind, much like everything else in life, success requires practice and massive, consistent action.

Our businesses also differ in terms of interface with clients. If you do “business to business” transactions, the number of people you interact with on a daily basis may differ from someone whose business relies on interacting with consumers. Appointments may be more practical in some instances than others. You have to tailor-make how you manage access to your particular situation if you are to eliminate distractions. Having said that it is important to note that some people do not mind spending the whole day at the office entertaining friends, visitors, and casual acquaintances dropping into the office whenever they feel like it. Do not be that kind of person. It sets the wrong kind of example to junior staff and can harm one’s productivity because these people take up time that you do not have and besides you want to cultivate a professional environment.

The demands of the day are enough to fill the eight working hours available unless if you tend to stay back and play catch up. How do you stay competitive in the market if there is no separation between work and play? Anybody serious about success and achieving effective results will put boundaries that are clear so that there is no confusion. Entrepreneurs are more susceptible to this especially when the workplace is easily accessible. The fact that you are your own boss even puts more responsibility on you to maintain self-discipline and self – management. I have written a whole book called, “Achieve More through Self – Leadership. In it I walk you through the practicalities of how you can get better results through managing self.

Appointments are an important way of not only managing time but managing life. They help you become more structured and productive. Some people seem not to be able to honour their appointments. I once attended a job interview that was supposed to start at 10:30am. By 11:30am there had been no communication about what was happening or when the supposed job interview was going to take place. I decided at the point that this company was probably not good enough for me to join because if you don’t respect people’s time you probably do not respect them.

You may be saying appointments are just not for me yet you never rock up at the doctor, dentist, lawyer or hairstylist without an appointment. Why is that the case? Because you simply won’t see the dentist without an appointment. They have given you conditions acceptable to them. We tell the world around us how to treat us by what we allow.

Some people are always available when you want to see them. If you are always free to see people at short notice, you are probably not that organized. The one who owns a diary will manage the one who doesn’t own one. Why? Because the one without the diary is always available, even though he is very likely to forget important meetings, dates and engagements because of a lack of organization. I used to have a boss who kept a diary and whatever you promised to do in the line of work, he would write down, including the day and time you said he would have it by. You would of-course forget because you didn’t record it like he did and when the time to deliver comes, guess who would be found wanting. It was then that I decided that I do not commit to an action that I am not willing to write down because, what’s written gets done!

You may be saying, “what if my business feeds off the “walk-ins? The fact that your business relies on walk – in customers should not be an excuse for disorder. Sometimes those who drop in unannounced may indeed be potential customers, suppliers, cold-calling salespeople, and even worthwhile business contacts. There is nothing wrong if the call is beneficial to you and your business but I believe there must be a structure and way of doing things that follows certain pre-set principles. I remember seeing a poster in an office that said “if you don’t have anything to do please don’t do it here”. It’s humorous yes, but true. Appointments help to structure your day and helps you allocate time to what’s important. This means you can focus on your most important asset: the paying customer. There is nothing as bad as walking into a place wanting to do business and staff are inattentive because there is just a demand on their time. I am more understanding if the personnel are not busy entertaining social visits at work.

In conclusion, you know your business situation better than any of us. All we can do is make recommendations that will enable efficiency that leads to growth. Some of you may actually need a personal assistant who will put order in your office and focus on the things you are not willing to do that will enable to focus on the highly value things you ought to do such as running a business.