A New Idea To The Health Insurance Crisis In America

Lack of health insurance coverage for over 41 million Americans is one of the nation’s most pressing problems. While most elderly Americans have coverage through Medicare and nearly two-thirds of non-elderly Americans receive health coverage through employer-sponsored plans, many workers and their families remain uninsured because their employer does not offer coverage or they cannot afford the cost of coverage. Medicaid and the State Children’s Health Insurance Program (SCHIP) or HAWK-I here in Iowa help fill in the gaps for low-income children and some of their parents, but the reach of these programs is limited. As a result, millions of Americans without health insurance face adverse health consequences because of delayed or foregone health care and extending coverage to the uninsured has become a national priority. -(Information taken from kff.org)

The number of people that are forced to go without health insurance is nothing less than a crisis in this country today. We have fallen into a vicious cycle over the last few decades in which health insurance premiums have become too expensive for even a middle class family to afford. This in turn results in the inability of the uninsured to cover medical costs which often times results in the financial ruins of the family, and in turn results in the continuing loss of income by the medical community, which in turn drives the cost of medical expenses higher, finally cycling back to the insurance company which then must drive the premiums of health insurance higher to help cover the rising cost of health care.

Many proposals have been tossed around by politicians on both sides of the isle ranging from socializing health care comparable to the Canadian system, to endorsing health savings accounts and cracking down on frivolous law suits against the medical community. Many of these proposals have good points, but along with whatever good points they bring they also bring major downfalls. For instance; a socialized national health care program would eliminate the need for health insurance all together and the cost would be taken on by taxes, which in theory doesn’t seem like a bad idea. However, the downfalls to this system include a deficit in new doctors willing to get into the field due to the inevitable decline in income while the demand would grow due to no personal responsibility. In short if people didn’t have to worry about deductibles or copays that would normally keep the person from seeking medical treatment for minor things, they would simply go to the doctor every time they had an ache or pain. So now we have waiting lines for people with major health problems since everyone is scheduling an appointment while at the same time we are loosing doctors due to lack of incentive.

The current battle cry by the republican Bush administration is to push HSA’s (Health Savings Accounts) which reduce premium by taking a less expensive high deductible health insurance plan with a tax deferred savings account that earns a small interest on the side that you contribute to along with your premiums each month. Any money withdrawn from the savings account for qualified medical expenses are taken “tax-free”, and unlike a flex spending account like many people are familiar with in employer based plans, you don’t lose the money you put into the account that you don’t use. Basically if you never used any of that money in the savings account you could withdrawal or roll it over into another vehicle once you turn 62 1/2 penalty free to be used for retirement. This is a viable option for some people, however for many the premiums for these plans are still too expensive, and the problem remains that if you need major treatment in the first few years of the policy you will not have a big enough amount in the savings account to help cover the gaps leaving that person responsible for a large portion of the cost out of pocket.

Now we come to what I believe is one of the biggest problems from a health insurance agent’s point of view, which is the inability for persons with pre-existing health conditions to obtain coverage. From the number of people that contact my office searching for health insurance coverage, I would have to say that about half of them have a health condition that will either result in an insurance company declining that persons application, or result in an amendment rider which basically excludes coverage for any claims related to that condition. An example of a condition that I run across constantly is hypertension or high blood pressure. This condition will sometimes result in a company declining an application all together if other factors are involved, but most generally result in an amendment exclusion rider. You may think that this isn’t that big of a deal, after all, blood pressure medicine is about the only thing they would have to pay for out of pocket, but what many people don’t realize is that this rider will exclude ANYTHING that could be considered part of this condition including heart attacks, strokes, and aneurisms which would all result in a huge out of pocket claim. Consider the fact that my father had a double by-pass surgery recently that ended up with a final bill of around $150,000. This whole amount would have had to come out of pocket had he had a hypertension rider on his health insurance policy, not to mention the added cost of 2 months off of work thrown into the mix. On a modest income of $40,000 per year this would have ruined him financially.

So what how do we fix this problem? Obviously the proposals thus far have been flawed from the beginning, and even if one of these plans gained support from the American people chances are it would never be passed into law simply due to political infighting. One side wants to keep health care privatized while the other wants to socialize it, which as we discussed before both have upsides and downsides. It seems that we are doomed on this issue and there is no real ideas or light at the of the tunnel right? Maybe not, let me tell you about a client I had in my office a couple of years ago.

A young woman came in wanting to compare health insurance plans to see if there were any options for her and her family. She had several children and had been on Title 19 Medicaid and had been going to college paid by the state. She had recently graduated from college and had gotten a job with the local school system, however for whatever reason she was not eligible for health insurance benefits. Obviously she still couldn’t afford 5 or 6 hundred dollars per month for a plan so she went back to the aid office and explained her situation. They ended up working with us to find an acceptable private health insurance plan and reimbursed her for a percentage of the cost which I didn’t even know was possible!

This got me thinking, consider how many more people would be able to obtain coverage if they could be reimbursed by the government a percentage of the premium according to their income. For example; take a young married couple in their 20’s with one child, let’s say that their family income is $25,000 and that the average premium for a $500 deductible health insurance plan for them is $450. Just as an example let’s say that the government determined that a three person family with an annual income of $25,000 is reimbursed 50% of their premium taking the actual cost to the family to $225 per month. This is now an affordable enough premium for the family to consider.

With this merging of private insurance with government assistance we get the best of both worlds. Of course the next question goes to cost, how much more would this cost the American tax payer and how much would this raise taxes? I don’t think that it would cost the tax payers much more an here’s why I think that: First off we would bring down significantly the amount of uninsured people that are unable to pay for the medical care they get in turn driving down the total cost of health care. Secondly the number of people that are forced into bankruptcy and driven to Medicaid Title 19 assistance due to medical bills stemming from catastrophic medical conditions that don’t have health insurance coverage would be significantly reduced. This is important to keep in mind considering that once someone is on Medicaid they are receiving health care basically 100% covered by the government so there is no more incentive to not seek treatment for minor or non-existing conditions. On the flip side many conditions that would have not been caught before they became severe because a person didn’t seek treatment due to not having insurance coverage would now be caught before they turned into a catastrophic claim. Finally, if the government allocated a certain amount of money to help cover claims by people that have pre-existing conditions the private insurance companies could do away with exclusions and declines due to already existing health problems, this is already done is some states such as the HIPIOWA Iowa Comprehensive Plans which insures Iowa residents that can not obtain coverage elsewhere.

You may be sitting there thinking that this is all just wishful thinking and that these ideas could never be implemented, but all of these ideas are already being implemented. The problem is that only some states do some programs and not even most health insurance agents know that some low income families can get reimbursed for health insurance premiums. If these programs were all standardized and put into effect on a national well publicized level I believe it would put one hell of a dent in the uninsured population in this country. Now I don’t pretend to know what the reimbursement levels should be for what income levels but I do know that anything is better than nothing,

Learning The “Secrets” of Experts

What Advantages Do we Get from Computer Repair Services? There have been a lot of amazing inventions that have really made our lives a lot easier than they were before. One invention that has really changed the way humans have lived in the past few years is the computer. Computers do not cease to amaze us because we can do so many things just by sitting in front of a computer. Today, there are billions of personal computers all over the world. Whatever part of the world you go, you will find computers there. And not only the personal computers, you will also see many people using laptops everywhere. There are many things you can do with a computer and if you own one then you would know what great things you can do with it. Computers are also strong devices as you may already know. They were built to last, and a new computer can last you several years before it will have to retire. We all know from experience that no matter how strong and durable the computer is, once in a while there are things that go wrong with it. If you start noticing something is wrong with your computer, maybe a small error, or maybe a big problem that makes it impossible to use your computer anymore, you should certainly take your computer to the computer repair shop. If you bring your computer to a repair man, they will perform diagnosis on your computer and see what the problem is and then they will be able to fix the problem and bring your computer back to top performance.
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You might have other ideas on your mind about this. by yourself. Yes, it is possible to learn from instructional videos online how to fix your computer by yourself. However this is not really a good idea. Repairing your computer yourself is not the best solution and there are many reasons why. Below are some of the reasons why.
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First, it is not easy to fix computers because they are sophisticated machines. On the internet you can gain all the knowledge you have but this is not the same as acquiring experience. You may be doing the repair wrong if you do it by yourself. You might find new problems or bigger problems by the time you think you have finished repairing your computer. This is why you should bring your computer to a professional so that they can fix the problem in no time. You can also benefit from the expert advice on several things if you take your laptop to the repair shop. The root cause of the problem should be known and is good to know for sure. When you bring your computer to the professionals, they can tell you exactly why that problem came up. Now, with the expert advice you will know what to avoid so that you won’t experience the same problem again.

Stunning Beaches to Discover in Los Angeles

Los Angeles is famend for several matters predominantly for being a hub of the television, movie and song recording studios. It is likewise home to lovely seashores where swimmers, solar bathers and surfers can spend some time far from the hustle and bustle of the town. The putting Santa Monica Mountains land up on the Pacific Coast from where colourful restaurants and clubs dot the seashores supplying a tummy full of scrumptious worldwide cuisine.

Copa Airlines reservations offer low-value flights to Los Angeles. So, ebook one and discover its exceptional beaches and make your holiday inside the city a memorable affair. Here are some of the popular ones to discover in Los Angeles:

Leo Carrillo State Beach – Situated in Malibu over 25 miles north of Santa Monica, Leo Carrillo State seashore stretches over a mile. It is speckled with tide pools, sea caves, and other engaging sandy bliss. Book cheap aircraft tickets to Los Angeles, get onboard a Copa Airlines flight and find out the Leo Carrillo State Park that safeguards this seaside. Both the park and seashore is known as after the actor and ecologist – Leo Carrillo – who’s well known for his conservation efforts; spanned over a length of approximately 18 years. Picnics and camping makes a go to to this vicinity a fascinating experience.

El Matador – If you are seeking out a romantic experience inside the city, then you may hardly find a more romantic seaside than the beguiling El Matador. This enchanting sandy stretch is located 10 miles northwest of Malibu and is domestic to roaring waves, rocky beaches and azure water.

Santa Monica Beach – From browsing and swimming to beach volleyball and cycling; beachside gymnastics to out of doors chess – Santa Monica is a paradise for the ones looking for a stunning excursion.

Venice Beach – It is one of the most in demand seashores in this stunning city. The scintillating Venice Beach is an oceanfront network and seaside, well-known as a paradise for the creative ones. Its beautiful place is thronged with Hollywood actors and musicians.

It is domestic to the world well-known Ocean Front Walk that juts out at the Pacific Ocean. Alitalia Airlines reservations provide reasonably-priced Los Angeles flights. So, e-book one, fly to this super town and revel in the stroll at the beautiful Ocean Front Walk.

The Secret To Cheap Airfare

Most folks like to journey and discover our inner explorer. How normally have you ever visible a wide ranging image on Instagram of a few idyllic island inn or a lazy European metropolis cloaked in early morning fog, with the hashtag #Wanderlust below it? And seeing that we go ‘guy I desire I should go to’, but greater often than now not our pocket doesn’t permit us to journey. All people need to, however weighing the fees, we feel we shouldn’t. Granted some people tour the arena as a hobby however most of us can’t. Airline tickets make up a tremendous portion of tour expenses, and those are one of the primary reasons we hold disposing of our dream journeys. Well once you have got study what we’ve to say, you’ll be journeying anyplace you want as we’ll be giving numerous suggestions on a way to collect reasonably-priced airline tickets.

Firstly, making plans is key, and meaning reserving your price ticket at the least six weeks earlier. Data has shown that tickets may be sold for as a minimum 7 percent under the common price if booked 6 weeks in advance. Besides this, you have to continually be looking for offers, airlines publish limited gives quite often, and these can encompass primary cuts in costs. Check their web sites, or higher yet call them to peer if they have whatever on provide.

Second, there’s always a terrific time to fly. And this is generally the weekdays, in case you fly on weekends, the expenses go up as greater customers are flying. The difference is large, via moving your flight multiple days early or overdue, you may count on to save numerous money. For example, if you fly within the days leading up to Christmas the charges are sky high, but if you fly at the day at once after the twenty fifth, they’re almost down forty%. Of route sometimes you have to fly before sure vacations, in that case just e-book them months in advance. If you are bendy with your schedule check which day is cheapest.

There’s also a cheapest time to fly. And that generally is inside the early morning, that means you will must wake up round four:00 a.M. Check for flight times which are the earliest, you may find a discount as less human beings are willing to fly out that early within the day.

Lastly, join a frequent flyer software. It does now not cost anything (the primary version as a minimum) and it earns you treasured factors for flying. These collect and may be exchanged for tickets. The artwork of airline miles is a tricky one however when you get the dangle of it, it could get you the ones tickets totally free, particularly if used accurately. Be certain to examine which common flyer program fits your needs – now not all of them are created identical.

Folding sliding doors on your property

Folding sliding doors can be added to any new extension or present belongings to enable you to open out your house and upload light into your life. The use of folding sliding doors is the most recent in home improvement traits, with an boom within the variety of groups imparting a large choice of designs and substances.

In a recent survey of UK architects they have been asked ‘What makes structure extra interesting within home homes?’ the maximum famous answer changed into glass. A fee effective way to add glass and mild into your house is to install folding sliding doors. They can be opened out within the summer season to show light and air from the garden. A nook configuration set of folding sliding doors can be installed as a wrap around the aspect of your property to convey that modern-day feel to any room.

Swapping a part panelled patio door for a fixed of folding sliding doorways to permit more light and create extra area. Folding sliding doors can be installed establishing outwards so they don’t absorb any space inner.

Vast expanses of glass on your property can remodel a home and magically create a feel of space and mild. This effect can be created in any property both a house or apartment. Using aluminium frames can provide that cutting-edge experience to any assets. Aluminium folding sliding doors can be powder covered in special shades so the frames will healthy the fashion of residence.

Flushed monitoring can create a unbroken transition from the garden thru to the residence permitting you to hold a tiled ground through to the outdoor to create a patio region. Once the folding sliding doors are open the impact will create one huge living area.

Folding sliding doors are not a product that is restrained to homes they’re best to use on flats to open out a room and permit in greater mild. Adding a Juliet balcony can ensure the safety of getting folding sliding doors hooked up in a balcony some flooring up.

A More Convenient Approach To Heart Health

Here’s news many Americans can take to heart. In addition to diet and exercise, there is a new heart health product with aspirin available to help reduce heart disease risk factors.

Cardiovascular disease poses a major health threat to both men and women in the U.S. According to the American Heart Association, more than 71 million adults in the U.S. have at least one type of cardiovascular disease. These include dysfunctional conditions of the heart, arteries and veins that supply oxygen to life-sustaining areas of the body such as the brain, the heart itself and other vital organs.

These conditions can be caused by a buildup of fatty deposits in the arteries, elevated cholesterol, high blood pressure and poor circulation. Patients with cardiovascular disease are at increased risk for heart attacks, strokes and death.

A healthy diet and regular exercise are important steps in the prevention of cardiovascular disease. In addition, a new and complete heart health product has been developed that combines the known benefits of doctor-recommended, low-dose aspirin with heart health vitamins and other supplements. These ingredients have been clinically shown to reduce the chances of heart attack and stroke, and may help lower blood pressure and cholesterol levels and help manage other cardio risk factors.

Called CardioEA™ Enhanced with Aspirin, each safety-coated caplet contains 81 mg of doctor-recommended, low-dose aspirin plus a complex of vitamins B6, B12, Folic Acid, L-Arginine and Aged Garlic Extract™ (AGE). It provides heart health-conscious consumers with the opportunity to help manage many of the risk factors that contribute to heart disease with a single daily caplet instead of taking various supplements and aspirin every day.

This is the first in a new category of preventive and wellness products called OTCeuticals™, manufactured by the Alan James Group, a health care-focused consumer products company based in Boca Raton, Florida. OTCeuticals are vitamins, minerals, herbs and other supplements that are combined with FDA-monographed, Category 1 USP-grade ingredients in rational, safe, effective and convenient combinations.

In addition to CardioEA Enhanced with Aspirin, the Alan James Group’s OTCeuticals pipeline includes products for bone & joint and gastrointestinal health, among others.

CardioEA Enhanced with Aspirin is available in the vitamin section at most major supermarkets, chain drug and discount retailers.