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Discount Healthcare Plan – Is It Right for You? – Healthcare

It is a story that is echoed throughout millions of American households. A person applies for traditional healthcare insurance and gets denied, often for something silly. From there, they spend the rest of their life trying to avoid doctors and hospitals, in fear of the expense they might incur. However, with a discount healthcare plan, there is hope for the uninsured American. But before you pick one up, you need to think about whether or not such a policy is good for your situation.To begin this process, you need to understand how a discount healthcare plan works. It is not a type of insurance. Instead, it takes a percentage off of any medical bill you encounter. No extensive paperwork is required to be accepted for this type of plan. In addition, pre-existing conditions are not a factor. If you can make a small monthly payment, you will get your discount. All you have to do is show your card at the time you pay your bill.Of course, the downside to this is obvious. With a discount healthcare plan, you must pay for your expenses out-of-pocket. On the upside, when you do pay, the bill will be extremely low. Some people receive discounts of 50 percent or more with these types of plans. If you go to the doctor once a year, this is not a bad deal. A visit that costs $200 might be discounted to $100, depending on how generous the plan was. True, you don’t have insurance, but you were still able to save $100. If you had nothing available, you wouldn’t experience any savings as you would be forced to pay the full amount.The situation is different for people with extensive medical conditions. Even if they can achieve a 60 percent discount, they would still be unable to pay a hospital bill of $20,000. So, in that case, a discount healthcare plan is pretty much useless. But what if a person is experiencing a condition that is under control? If they could limit their doctor visits to every couple of months, and they chose a provider that was cheap to begin with, a discount plan could still be useful. Also remember that these plans extend to prescription drugs. When applied in this manner, the drugs can cost the same amount as if a person had been insured. For many individuals, this factor alone makes the discount plan worthwhile.If you need assistance in locating particular coverages at a pre-determined price, we can help you find a reduce health insurance premium today.

Wealthcare, Er, I Mean, Healthcare Rant – Healthcare

With the movement to reform health care, and the promotion of an undesirable healthcare reform bill, many are looking for solutions, as most people, if not in direct “need” of a doctor, know someone who is. Yet, for some reason, they do not want to pay for that person’s healthcare. I wonder why! I am writing in part due to a death that could have been prevented, if health care was not in the business of big money.Yes, healthcare has traditionally made a business off of people’s sickness, and has not promoted wellness, thus another victim of this insanity has died, leaving 2 little ones motherless.Today’s news is evidence that the law recognizes the rightfulness, the duty, of prevention, even if it is via administration of a necessary vitamin (in this case, mineral), instead of drugging, cutting, or otherwise ineffectively “taking care” of the problem!For those who haven’t heard, I am referring to a 44 year old woman, Caroline Johnston, who died this last week of a lack of potassium. The emergency room personnel had determined that she was dehydrated, and had low levels of potassium in her system, but only gave her the water, not the potassium (her family just won a suit for malpractice). Would it be giving too much credence to the power of nutrition, or is the healthcare industry just not trained in prevention?The healthcare business (and it is a business, it could have been called “wealthcare” for the doctors) addresses the sickness industry, and does not promote wellness. For example, is the person who, because of clogged arteries has a bypass, well? How many people have had to have another bypass? What is the cost of one bypass? How does one bypass affect a person’s financial situation, even if the surgery was totally covered?Compare this with the person who by right eating and lifestyle habits avoids the bypass altogether. What is the cost of eating right, even accounting for extra measures taken, such as joining a health club, or taking antioxidant supplements?My proposed solution is to promote learning and to prevent disease. This would basically call for a total re-focus of the healthcare industry from just treating sickness, to focusing on wellness and the prevention of disease. At the least, it will save millions of dollars, and at the most, trillions, with many lives bettered and saved. Sounds like reform to me! To do something to take back control of your health and finances, visit my website below.

Children’s Health Insurance Program – “CHIP”ping in For Healthcare Benefits – Healthcare

A company offers healthcare benefits and an employee doesn’t use the benefit?Who in their right mind would refuse benefits? While there may be many reasons, the number one reason is that the employee can’t afford the payroll deduction. This is especially true with a lot of hourly employees who live paycheck to paycheck and need to bring home every dime they make.Risking the health of their family as well as potential financial ruin if someone gets sick is the circumstance of many employees because they simply cannot afford the company-offered healthcare.Employees who find themselves unable to pay for company-offered healthcare plans may find help in the Children’s Health Insurance Program (CHIP).Many states offer a program that provides employees assistance with paying the cost of the premium for their company-offered healthcare plan through Medicaid or CHIP. The employee must apply for and be ruled to be eligible for Medicaid or CHIP. After eligibility is confirmed, he then has 60 days to request to join the employer’s plan.The law requires most employers to notify their employees of their potential rights to receive this benefit beginning this year. By next year, all employers who offer health care benefits will have to issue notification about the program.Instead of waiting until next year to tell your employees about this program, it would benefit all employers to create and issue the notice now.Why? The burden of worrying about not having healthcare can reduce an employee’s productivity. Employers should also be aware that a good employee who can’t afford the healthcare will likely leave the company for cheaper benefits being offered by another employer. CHIP could help you from losing a valuable employee by providing them with affordable healthcare.Most states participate in CHIP. You can get more information through your local Medicaid office, (877) KIDSNOW, or on the web at http://www.insurekidsnow.gov.(C) 2010 Jerry Ballard, Perfect People Solutions

Jenga, A New Analogy for Healthcare Reform – Healthcare

This isn’t the government we are watching, it’s junior high school…. We’re governed by self-absorbed, reckless children…. The budget war reflects inanity, incompetence and cowardice that are sadly inexplicable.Nicholas KristoffIn the late 1980’s the board game Jenga was popular. A tower was built out of wooden shapes, and the players attempted to remove pieces one by one until the building collapsed. Like all structures that fail, the final transition was rapid and catastrophic(non-linear system). Although I saw people try, one does not have time to replace the last piece before the blocks fall to the ground. The game of Jenga is a good analogy for the game our political leaders are playing with our healthcare system, and the final result may well be similar.President Obama, the politicians, and many “reformers” are deeply ignorant about the structure of the healthcare system. They have extensive experience dealing with funding for schools, social security and to the military, and view the healthcare system in a similar light. They consider these programs as well behaved, linear systems, like a glass filled with water, removing some water will lower the level, but not break the glass. One can always put a few more students in a classroom, lower monthly payments, or hold war games with fewer tanks.The unfortunate reality is that our healthcare system is more like a Jenga tower than a water glass. Multiple components are haphazardly strung together in a seemingly random, but mutually reinforcing structure. Hospitals, drug companies, physicians, and support personnel are joined by an incredibly complex nexus of funding supplied by federal, state and local governments, as well as insurance companies and private individuals. Each component of the this structure is mutually dependent upon every other part of the system. As fragmented and dysfunctional as it is, the healthcare system is still vital to the 300 million Americans that use it.A combination of greedy corporations, clueless politicians, and politically motivated “reformers” has relentlessly been withdrawing money from this system. Like players in a Jenga game, every piece that gets removed weakens every other part of the structure. These deluded people in charge think they will always have time to put pieces back before any collapse, or at least before the next election. Sadly, they are mistaken. Like a building collapsing, an airplane falling out of the sky, or a ponzi scheme unraveling, the crash will be swift, destructive, and very deadly.