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	<title>Health Insurance &#187; care</title>
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	<description>Health Insurance information</description>
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		<title>Why You Need Health Insurance</title>
		<link>http://www.csrunima.org/why-you-need-health-insurance</link>
		<comments>http://www.csrunima.org/why-you-need-health-insurance#comments</comments>
		<pubDate>Mon, 07 Sep 2009 08:10:25 +0000</pubDate>
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				<category><![CDATA[Health insurance]]></category>
		<category><![CDATA[Basic Terms]]></category>
		<category><![CDATA[care]]></category>
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		<category><![CDATA[HEALTH]]></category>

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		<description><![CDATA[The United States does not have socialized medical care. If you have no health insurance coverage, you have to pay for health care out of your own finances at the time of service. This can run into many thousands of dollars for serious illnesses. You buy health insurance for the same reason you buy other [...]]]></description>
			<content:encoded><![CDATA[<div style="margin:0 auto;float:left;padding-right:5px"><img src="http://i.ytimg.com/vi/wowJsEM7Blk/1.jpg" width="250" height="180" alt="Why You Need Health Insurance"></div>
<p> The United States does not have socialized medical care. If you have no health insurance coverage, you have to pay for health care out of your own finances at the time of service. This can run into many thousands of dollars for serious illnesses.</p>
<p>You buy health insurance for the same reason you buy other kinds of insurance: to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical <span id="more-11"></span>care that could be very expensive.</p>
<p>You cannot predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have health insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.</p>
<p>Many people in the United States are enrolled in some sort of managed care health insurance plan. This is an organized way of both providing services and paying for them. Different types of managed care plans work differently and include preferred provider organizations (PPOs), health maintenance organizations (HMOs), point-of-service (POS) plans and fee-for-service plans.<br/><br/>
<p>Individuals enrolled in health care plans pay a monthly or quarterly fee as insurance for the time when they will need medical attention. At the time when a service is provided, the health insurance organization pays part or all of the fee, minimizing the amount you have to pay at the time you receive the service.</p>
<p>The information presented here will help you choose a health insurance plan that is right for you. If you are married or single, have children or no children, this information will help you to find out how to choose a health insurance plan that best meets your needs and your financial circumstances. Definitions of the health insurance terms used are included in the section called Understanding Health Insurance Terms.</p>
<p><b>Understanding Health Insurance Terms</b></p>
<p><b><i>Coinsurance</i></b><br/><br/>
<p>The amount you are required to pay for medical care in a fee-for-service plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example, if the health insurance company pays 80 percent of the claim, you pay 20 percent.</p>
<p><b><i>Coordination of Benefits</i></b>A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.<br/><br/>
<p><b><i>Co-payment</i></b><br/><br/>
<p>Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The health insurance company pays the rest.</p>
<p><b><i>Covered Expenses</i></b>Most health insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the health insurance policy.</p>
<p><b><i>Customary Fee</i></b>Most health insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference. This is in addition to the deductible and coinsurance you would be expected to pay. To avoid this additional cost, ask your doctor to accept your health insurance company&#8217;s payment as full payment. Or shop around to find a doctor who will. Otherwise you will have to pay the rest yourself.</p>
<p><b><i>Deductible</i></b>The amount of money you must pay each year to cover your medical care expenses before your health insurance policy starts paying.</p>
<p><b><i>Exclusions</i></b>Specific conditions or circumstances for which the policy will not provide benefits.</p>
<p><b><i>HMO (Health Maintenance Organization)</i></b>Prepaid health plans. You pay a monthly premium and the HMO covers your doctors&#8217; visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.</p>
<p><b><i>Managed Care</i></b><br/><br/>
<p>Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.</p>
<p><b><i>Maximum Out-of-Pocket Expenses</i></b>The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the health insurance company, in addition to regular premiums.</p>
<p><b><i>Non-cancellable Policy</i></b>A policy that guarantees you can receive health insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.</p>
<p><b><i>PPO (Preferred Provider Organization)</i></b>A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.</p>
<p><b><i>Pre-existing Condition</i></b>A health problem that existed before the date your health insurance became effective.</p>
<p><b><i>Premium</i></b>The amount you or your employer pays in exchange for health insurance coverage. <b><i>Primary Care Doctor</i></b>Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed. In many health insurance plans, care by specialists is only paid for if your are referred by your primary care doctor. An HMO or a POS plan will provide you with a list of doctors from which you will choose your primary care doctor (usually a family physician, internists, obstetrician-gynecologist, or pedicatrician). This could mean you might have to choose a new primary care doctor if your current one does not belong to the plan. PPOs allow members to use primary care doctors outside the PPO network (at a higher cost). Indemnity plans allow any doctor to be used. <b><i>Provider</i></b>Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.</p>
<p><b><i>Third-Party Payer</i></b>Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government</p>
<p> <!--more--> <H3>Watch the video related to health insurance</H3>
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<p>Spinach and carrots health insurance commercial. Really cute little boy and girl.  <H3>Help answer the question about health insurance</H3>How do health insurance tax deductions work for a member managed LLC?<br />I own a business (LLC) with two other people.  It is only us three; we do not have any additional employees.  We pay for our health insurance through our business.  Based on these facts, I was wondering how much I stand to save on my personal taxes.  Is this a standard write off like any other business expense or does the IRS treat health insurance differently?<br />
 <H3>About Author</H3>
<p>Nitin Gupta<br/><a rel="external nofollow" target="_blank" href="http://www.insuranceinurcity.com&amp;_gwt_noimg=1&amp;gsessionid=1-JHGhjaWQSAdOUj4ztmzw">www.insuranceinurcity.com</a><a rel="external nofollow" target="_blank" href="http://www.insuranceinurcity.com&amp;_gwt_noimg=1&amp;gsessionid=1-JHGhjaWQSAdOUj4ztmzw">www.insuranceinurcity.com</a></p>
]]></content:encoded>
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		<title>Effective Natural Health &amp; Beauty Products</title>
		<link>http://www.csrunima.org/effective-natural-health-beauty-products</link>
		<comments>http://www.csrunima.org/effective-natural-health-beauty-products#comments</comments>
		<pubDate>Tue, 18 Aug 2009 03:25:20 +0000</pubDate>
		<dc:creator>Admin</dc:creator>
				<category><![CDATA[Health care insurance]]></category>
		<category><![CDATA[Alternative Health Professionals]]></category>
		<category><![CDATA[Aromatherapy Oils And Vaporizers]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[Complimentary Therapies & Practitioners]]></category>
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		<description><![CDATA[All we know well that herbal nutrients are required to support healthy metabolism and maintain functions of our body. Available data indicate that many more vitamins and vitamin-like nutrients are yet to be discovered in herbs today. That is why herbal medicines were used for thousand years to fight diseases and improve body functions. Herbal [...]]]></description>
			<content:encoded><![CDATA[<div style="margin:0 auto;float:left;padding-right:5px"><img src="http://i.ytimg.com/vi/yd9XnyNGXGs/3.jpg" width="250" height="180" alt="Effective Natural Health &amp; Beauty Products"></div>
<p> All we know well that herbal nutrients are required to support healthy metabolism and maintain functions of our body. Available data indicate that many more vitamins and vitamin-like nutrients are yet to be discovered in herbs today. That is why herbal medicines were used for thousand years to fight diseases and improve body functions. Herbal nutrients have been shown to help heal many maladies, improve general health and specific pathological co<span id="more-49"></span>nditions. Herbs can help fight disease and premature aging, maintain sustainable and enjoyable lifestyle.<br/><br/>
<p> Alternative health professionals is a NZ based online shop, offering you the largest range of natural health products, including vitamin supplements. We also offer natural beauty products, herbal medicines and remedies.<br/><br/>
<p> At <a rel="external nofollow" target="_blank" href="http://www.althp.co.nz&amp;_gwt_noimg=1&amp;gsessionid=IQ48ev_oU88qCHMu1PcYkw">Alternative health professionals</a> you will find information on alternative treatments for mind body and soul within our articles section, and in our online store, you will find naturally good products from aromatherapy supplies to herbal balms and lanolin skincare.<br/><br/>
<p> Our all natural herbal supplements are obtained from the herbs proven to be the richest natural sources of specific essential nutrients and are provided in the formulation optimal for assimilation by the body. Herbal antioxidants and essential unsaturated oils are not produced by the body but are required for multiple body functions and promote immunity to keep away diseases.<br/><br/>
<p> The essential oils used in aromatherapy are extracted from many parts of the aromatic plant: leaves, stems, flowers, seeds, roots, barks, fruits and resins. The oils are a concentrated form of plant energy possessing the qualities of the particular plant, and are usually many times more potent than the comparable dried herbs.<br/><br/>
<p> Now a days mostly people face skin problem. All we have different kind of skin so the treatment must be different. We help you to get the best herbal treatment for your skin. When you start shedding the winter layers of clothing upon spring&#8217;s arrival, you will possibly find your skin and scalp are dry and flaky, itchy and uncomfortable. Winter weather dries your skin out. You can bring skin back to a youthful glow by cleansing your body internally and exfoliating and moisturizing your skin.</p>
<p> <!--more--> <H3>Watch the video related to health</H3>
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<p>Do you know how to read food labels? Maybe you THOUGHT you did. Truth is, you probably don&#8217;t. But Jeff Novick, MS, RD &#8212; of the McDougall program &#8212; does. And in his full talk he shows the 3 easy steps you MUST know if you ever buy foods at any supermarket or &#8220;health&#8221; food store. In this online excerpt, Novick &#8212; who used to be a food service manager at Kraft Foods &#8212; exposes one of the dirty secrets major food corporations use to deceive consumers. It&#8217;s no accident labels are so confusing &#8230;  <H3>Help answer the question about health</H3>What is the difference between public health and community health?<br />What is the difference between public health and community health?<br />
  A. Public health involves the health of the nation, and community health involves doctors and other health professionals in a community.<br />
  B. Public health protects the health of everyone, and community health protects the health of all those in a particular community.<br />
  C. Public health gives free health care to individuals, and community health keeps the food, water supply, and general environment healthy for the community.<br />
  D. Public health is concerned with the health of individuals, and community health is concerned with overall health statistics.<br />
 <H3>About Author</H3>
<p>We are Alternative Health Professionals where you will find information on alternative treatments for mind body &amp; soul and in our online store; you will find naturally good products from aromatherapy supplies to herbal balms and lanolin skincare.</p>
<p>Related Post: </p>jeff novick quack]]></content:encoded>
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		<title>Living Wills and Health Care Directives &#8211; What is Involved?</title>
		<link>http://www.csrunima.org/living-wills-and-health-care-directives-what-is-involved</link>
		<comments>http://www.csrunima.org/living-wills-and-health-care-directives-what-is-involved#comments</comments>
		<pubDate>Wed, 05 Aug 2009 08:26:20 +0000</pubDate>
		<dc:creator>Admin</dc:creator>
				<category><![CDATA[Health care insurance]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[HEALTH]]></category>
		<category><![CDATA[Health Care Directive]]></category>
		<category><![CDATA[Living Will]]></category>
		<category><![CDATA[Minnesota Estate Planning Lawyer]]></category>
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		<description><![CDATA[The following is an example of a Health Care Directive (many people still refer to this as a Living Will).   It is broken down into 3 basic parts.  1) Appointment of the Health Care Agent.  2) Health Care Instructions.  3) Making the Document Legal.   Like most legal documents, it can be a bit confusing and [...]]]></description>
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<p> The following is an example of a Health Care Directive (many people still refer to this as a Living Will).   It is broken down into 3 basic parts.  1) Appointment of the Health Care Agent.  2) Health Care Instructions.  3) Making the Document Legal.   Like most legal documents, it can be a bit confusing and overwhelming.  The purpose for making this easily available to the public is simple.  To help people know what to expect <i>before</<span id="more-61"></span>i> contacting a lawyer and having him or her draft a directive for them.   Nobody likes thinking about their demise or incapacity.  However, dealing with such issues is a necessary part of life. </p>
<p>This example should not be used as a substitute for getting solid legal advice from a licensed attorney.  Every individual is different.  Please consult a lawyer in your area to discuss your specific estate planning needs.</p>
<p>HEALTH CARE DIRECTIVE</p>
<p>I, ___________________________________, understand this document allows me to do One or both of the following:</p>
<p>PART I: Name another person (called the health care agent) to make health care decisions for me if I am unable to decide or speak for myself. My health care agent must make health care decisions for me based on the instructions I provide in this document (Part II), if any, the wishes I have made known to him or her, or must act in my best interest if I have not made my health care wishes known.</p>
<p>And/or</p>
<p>PART II: Give health care instructions to guide others making health care decisions for me. If I have named a health care agent, these instructions are to be used by the agent. These instructions may also be used by my health care providers, others assisting with my health care and my family, in the event I cannot make decisions for myself.</p>
<p>PART I: APPOINTMENT OF HEALTH CARE AGENT</p>
<p>This is who I want to make health care decisions for me if I am unable to decide or speak for myself  (I know I can change my agent or alternate agent at any time and I know I do not have to appoint an agent or an alternate agent)</p>
<p>NOTE: If you appoint an agent, you should discuss this health care directive with your agent and give your agent a copy. If you do not wish to appoint an agent, you may leave Part I blank and go to Part II.</p>
<p>When I am unable to decide or speak for myself, I trust and appoint ___________________ to make health care decisions for me. This person is called my health care agent.  Relationship of my health care agent to me: ___________________</p>
<p>Telephone number of my health care agent: _________________________</p>
<p>Address of my health care agent: _________________________</p>
<p>(OPTIONAL) APPOINTMENT OF ALTERNATE HEALTH CARE AGENT: If my health care agent is not reasonably available, I trust and appoint _________________ to be my health care agent instead.  Relationship of my alternate health care agent to me: ___________________________Telephone number of my alternate health care agent: ___________________________ Address of my alternate health care agent: ___________________________</p>
<p>THIS IS WHAT I WANT MY HEALTH CARE AGENT TO BE ABLE TO</p>
<p>DO IF I AM UNABLE TO DECIDE OR SPEAK FOR MYSELF (I know I can change these choices)</p>
<p>My health care agent is automatically given the powers listed below in (A) through (D).</p>
<p>My health care agent must follow my health care instructions in this document or any other instructions I have given to my agent. If I have not given health care instructions, then my agent must act in my best interest. Whenever I am unable to decide or speak for myself, my health care agent has the power to:</p>
<p>(A) Make any health care decision for me. This includes the power to give, refuse, or</p>
<p>withdraw consent to any care, treatment, service, or procedures. This includes deciding whether to stop or not start health care that is keeping me or might keep me alive, and deciding about intrusive mental health treatment.</p>
<p>(B) Choose my health care providers.</p>
<p>(C) Choose where I live and receive care and support when those choices relate to my</p>
<p>health care needs.</p>
<p>(D) Review my medical records and have the same rights that I would have to give my</p>
<p>medical records to other people.</p>
<p><b>If I DO NOT want my health care agent to have a power listed above in (A) through (D) OR if I want to LIMIT any power in (A) through (D), I MUST say that here:</b></p>
<p>______________________________________________________________________</p>
<p>My health care agent is NOT automatically given the powers listed below in (1) and (2). If I WANT my agent to have any of the powers in (1) and (2), I must INITIAL the line in front of the power; then my agent WILL HAVE that power.</p>
<p>______   (1)  To decide whether to donate any parts of my body, including organs, tissues, and eyes, when I die.</p>
<p>______ (2)  To decide what will happen with my body when I die (burial, cremation).</p>
<p>If I want to say anything more about my health care agent&#8217;s powers or limits on the powers, I can say it here:  ________________________________________________________________________</p>
<p>PART II: HEALTH CARE INSTRUCTIONS</p>
<p>NOTE: Complete this Part II if you wish to give health care instructions. If you appointed an agent in Part I, completing this Part II is optional but would be very helpful to your agent. However, if you chose not to appoint an agent in Part I, you MUST complete some or all of this Part II if you wish to make a valid health care directive.</p>
<p>These are instructions for my health care when I am unable to decide or speak for myself.</p>
<p>These instructions must be followed (so long as they address my needs).</p>
<p>THESE ARE MY BELIEFS AND VALUES ABOUT MY HEALTH CARE</p>
<p>(I know I can change these choices or leave any of them blank)</p>
<p>I want you to know these things about me to help you make decisions about my health care:</p>
<p>My goals for my health care: ________________________________________________________________________________________________________________________________________________</p>
<p>My fears about my health care: ________________________________________________________________________________________________________________________________________________</p>
<p>My spiritual or religious beliefs and traditions: ________________________________________________________________________________________________________________________________________________</p>
<p>My beliefs about when life would be no longer worth living:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>My thoughts about how my medical condition might affect my family:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>THIS IS WHAT I WANT AND DO NOT WANT FOR MY HEALTH CARE</p>
<p>(I know I can change these choices or leave any of them blank)  Many medical treatments may be used to try to improve my medical condition or to prolong my life. Examples include artificial breathing by a machine connected to a tube in the lungs, artificial feeding or fluids through tubes, attempts to start a stopped heart, surgeries, dialysis, antibiotics, and blood transfusions. Most medical treatments can be tried for a while and then stopped if they do not help.  I have these views about my health care in these situations:  (Note: You can discuss general feelings, specific treatments, or leave any of them blank)</p>
<p>If I had a reasonable chance of recovery, and were temporarily unable to decide or speak</p>
<p>for myself, I would want:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>If I were dying and unable to decide or speak for myself, I would want:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>If I were permanently unconscious and unable to decide or speak for myself, I would want:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>If I were completely dependent on others for my care and unable to decide or speak for</p>
<p>myself, I would want: &#8230;..</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>In all circumstances, my doctors will try to keep me comfortable and reduce my pain. This is how I feel about pain relief if it would affect my alertness or if it could shorten my life:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>There are other things that I want or do not want for my health care, if possible:</p>
<p>Who I would like to be my doctor:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>Where I would like to live to receive health care:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>Where I would like to die and other wishes I have about dying:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>My wishes about donating parts of my body when I die:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>My wishes about what happens to my body when I die (cremation, burial):</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>Any other things:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>PART III: MAKING THE DOCUMENT LEGAL</p>
<p>This document must be signed by me. It also must either be verified by a notary public</p>
<p>(Option 1) OR witnessed by two witnesses (Option 2). It must be dated when it is verified or witnessed.I am thinking clearly, I agree with everything that is written in this document, and I have made this document willingly.</p>
<p>___________________________________</p>
<p>My Signature</p>
<p>___________________________________</p>
<p>Date signed:</p>
<p>___________________________________ </p>
<p>Date of birth:</p>
<p>___________________________________ </p>
<p>Address:</p>
<p>If I cannot sign my name, I can ask someone to sign this document for me.</p>
<p>_____________________________________________________</p>
<p>Signature of the person who I asked to sign this document for me.</p>
<p>________________________________________________________</p>
<p>Printed name of the person who I asked to sign this document for me.</p>
<p>Option 1: Notary Public</p>
<p>In my presence on___________________________________ (date), __________________________________________ (name) acknowledged his/her</p>
<p>signature on this document or acknowledged that he/she authorized the person signing this document to sign on his/her behalf. I am not named as a health care agent or alternate health care agent in this document.</p>
<p>___________________________________________ </p>
<p>(Signature of Notary)</p>
<p> (Notary Stamp)</p>
<p>Option 2: Two Witnesses</p>
<p>Two witnesses must sign. Only one of the two witnesses can be a health care provider or an employee of a health care provider giving direct care to me on the day I sign this document.</p>
<p>Witness One:</p>
<p>(i) In my presence on _______________________ (date), ________________ (name) acknowledged his/her signature on this document or acknowledged that he/she authorized the person signing this document to sign on his/her behalf.</p>
<p>(ii) I am at least 18 years of age.</p>
<p>(iii) I am not named as a health care agent or an alternate health care agent in this document.</p>
<p>(iv) If I am a health care provider or an employee of a health care provider giving direct</p>
<p>care to the person listed above in (A), I must initial this box: [   ]</p>
<p>I certify that the information in (i) through (iv) is true and correct.</p>
<p>______________________________________ </p>
<p>(Signature of Witness One)</p>
<p>Address:  ________________________________________________________________________________________________________________________________________________</p>
<p>Witness Two:</p>
<p>(i) In my presence on ________________________ (date), _________________ (name) acknowledged his/her signature on this document or acknowledged that he/she authorized the person signing this document to sign on his/her behalf.</p>
<p>(ii) I am at least 18 years of age.</p>
<p>(iii) I am not named as a health care agent or an alternate health care agent in this document.</p>
<p>(iv) If I am a health care provider or an employee of a health care provider giving direct</p>
<p>care to the person listed above in (A), I must initial this box: [   ]</p>
<p>I certify that the information in (i) through (iv) is true and correct.</p>
<p>________________________________________ </p>
<p>(Signature of Witness Two)</p>
<p>Address:</p>
<p>________________________________________________________________________________________________________________________________________________</p>
<p>REMINDER: Keep this document with your personal papers in a safe place (not in a safe deposit box). Give signed copies to your doctors, family, close friends, health care agent, and alternate health care agent. Make sure your doctor is willing to follow your wishes. This document should be part of your medical record at your physician&#8217;s office and at the hospital, home care agency, hospice, or nursing facility where you receive your care.</p>
<p>Some of this information was taken from Minnesota statute section 145C.16.  This should not be considered legal advice, it is provided as a public service.</p>
<p> <!--more--> <H3>Watch the video related to health</H3>
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<p>You workout all the time &#8211; don&#8217;t you want to make sure that the exercises you&#8217;re doing will get you a sexy body and the natural sex appeal you desire? Learn More: College.Healthguru.com  <H3>Help answer the question about health</H3>How does health insurance work in terms of payment?<br />Let&#039;s say there&#039;s a family, and there&#039;s three different prescriptions for different medications within the family. Let&#039;s say the Dad is paying for health insurance. Do you just pay for health insurance once, when you register for it? Do you pay $20 monthly? Does the price you pay go up when you add more medications? I&#039;m confused.<br />
 <H3>About Author</H3>
<p>Blake Vanderhyde is a Licensed Attorney based in Minneapolis, MN. To learn about <a rel="external nofollow" target="_blank" href="http://www.minnesotaestateplanningguide.com%2F&amp;_gwt_noimg=1&amp;gsessionid=WOTsw_R6LJxz-Sr2qmS6rw">Minneapolis Probate Lawyer</a> please visit our website.</p>
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		<title>Social Justice Through Health Care</title>
		<link>http://www.csrunima.org/social-justice-through-health-care</link>
		<comments>http://www.csrunima.org/social-justice-through-health-care#comments</comments>
		<pubDate>Thu, 30 Jul 2009 08:12:49 +0000</pubDate>
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				<category><![CDATA[Health care insurance]]></category>
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		<category><![CDATA[Social Justice]]></category>
		<category><![CDATA[Unorganised Sector]]></category>

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		<description><![CDATA[SOCIAL JUSTICE THROUGH HEALTH CARE We hardly come across a person who may be fully satisfied with the health care delivery system run by either the government or the private sector. This is true not only for developing but for all the developed countries as well. Every law abiding, contributing individual has some legitimate expectations [...]]]></description>
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<p> SOCIAL JUSTICE THROUGH HEALTH CARE<br/><br/>
<p> We hardly come across a person who may be fully satisfied with the health care delivery system run by either the government or the private sector. This is true not only for developing but for all the developed countries as well. Every law abiding, contributing individual has some legitimate expectations from the state. Disenchantment with present dispensation of health care compels people to seek be<span id="more-21"></span>tter options across the borders. Even the present flow rate of patients from developed to developing countries has assumed the proportions of Medical tourism. Medical tourism is not a one-way traffic. Poor from India are known to visit Rashid Hospital at Lahore for kidney transplants. Medical tourism will definitely bring in world class equipment and services in our corporate hospitals. These corporate tertiary care hospitals can act as excellent referral hospitals. Lack of enough clinical material, as the patients are often referred to in medical parleyences is prompting the doctors from developed world into medical adventurism. Very recently two NGO&#8217;s headed by renowned plastic surgeons of Indian origin were in India, claiming to their credit hundreds of cleft lip and palate surgeries conducted in one week. During my brief interaction when I asked them one basic question that how do you justify single step surgery by a single specialist for a clinical entity that require 3-5 set up surgeries by 10 specialists over a period of 20 years, there was no answer. On record local doctors conduct all these surgeries. These NGO&#8217;s bring in a battery of trainee resident doctors for hands on training. Dumping of questionable services and drugs continues unabated in the absence of stringent regulations. Clear-cut up to date guidelines by health authorities have yet to be issued to safe guard the health interests of this nation. Most of the drugs banned in developed countries are still being dumped in the Indian market. Commerce alone dictates the policies of multinational companies in health sector of developing countries. State and national medical councils, the watch dogs of our national health interests are controlled by elected representatives from among the doctors. Competitive populism for being elected to these high offices takes away the very sting off these regulators. In this &#8216;market forces&#8217; driven health sector, apart from other factors, size of the population, economic prosperity and literacy levels dictate the out look of key players. Subjective as well as objective assessments of the health care operations leave people confused with huge piles of data and endless interpretations. At the tail end of govt. health care delivery system is the rural dispensary or the slum revamping center, and the end user an illiterate or semi literate villager or a slum dweller. Dispensary is the humane face, the welfare state can present to its people. In yesteryears the service providers were from among the same social class they used to serve. Doctor can be a friend, philosopher and guide to the locals. Unfortunately the economic and social disparity between the service providing doctors and the service user population has grown enormously. Ad-hocism in health care delivery should be done away with immediate effect. Doctors and paramedical staff appointed on yearly contract basis are not showing any interest in the national programmes. Established private health care providers also have not shown any meaningful commitment for national programmes. Middle class itself has fragmented. Now it is fashionable to assign economic values to any issue like gender, but for social responsibility and justice. In this era of fast paced growth, the unorganized, silently suffering millions can not be wished away. Once reading on biodiversity I stumbled upon a very interesting quote, &#8220;only the species with economic importance will survive&#8221;. In our active pursuit for magnetizing economy, we assigned economic values to any thing except for morals. Commercialization of education has produced a new breed of professionals who have scant regard for professional ethics. Privatization is the buzzword with governments, because it takes away government responsibility. Private sector players are eyeing many &#8216;viable&#8217; health institutions. There are no takers for commercially non-viable rural institutions. Rural health institutions dispense social medicine. Very recently one of the key players from private sector health care quoted the cost of developing one bed in corporate hospital at Rs. 30-60 lacs. These corporate health services are definitely out of each of the common man. These type of hospitals are definitely required for a nation with the present rate of growth but &#8216;bharat&#8217; definitely needs different kind of hospitals. There are very strong social under currents against the exploitive private healthcare, inadequate government sector health care resources and the indifferent approach of welfare state. Health for all is a very lofty but expensive proposition. There are ways and means to reduce the pressure from government institutions. Private-public partnership, health insurance, monitoring and regulation of private sector health care can all make the things bit easy. Preventive health care education can go a long way in improving the public health. Community participation in health care has produced few but wonderful examples. Complementary community participation can make up for minor but critical deficiencies in the government run health care system. Setting up of health system corporations with World Bank assistance has already improved the working of govt. sector health care institutions considerably. Community participation through NGO&#8217;s can still improve the system, but most of the meaningful NGO&#8217;s turn their back on govt. run health care institutions because of their doubts on the integrity of government officers. Government health care institution are increasingly seen not as caring hospitals but like police stations, where medico legal reports are written and postmortems conducted. Most of the government doctors&#8217; time is spent in courts appearing as medico legal experts witnesses. Emergency, post mortem, and then the VIP duties in addition hardly leave the doctors free for any meaningful job at government hospitals. There is an urgent need to have separate curative, preventive, legal, administrate and health intelligence wings. Government hospitals attract the poorest of the poor, mostly people from the unorganized sector. Their contribution to national GDP is by no means small. With the present growth rate, upward social mobility is seen in every strata of society. Many segments of this unorganized sector can be organised so that they also enjoy the patronage of welfare state in the form of health insurance policies. Apart from direct benefit to these segments of society, the state will benefit from the &#8216;off loading&#8217; of burden from government run health care system and loading it on insurance driven private sector health care institutions. Poorest of the poor will repose faith in welfare state. Sanjivini, health insurance policy with the Punjab Milkmen Cooperative Societies is already a big success. ECHS (Ex servicemen Contributory Health Scheme) is an other success story. These success stories can be replicated with countless groups like, panwallas, dhabewallas, autorikshaw drivers etc. Simply organize the unorganized sector. There is no dearth of role models from among government doctors also. Their inclusion rather than drift after dissent from the present dispensation of health care will immensely improve the system. Stability of tenure is an excellent incentive government can give to its doctors without costing anything to exchequer. Yet tenure beyond decades should be discouraged as it leads to development of vested interests of the old incumbents and denial of chance to the youngsters. Resource mismatching is a major problem in the govt. run health care system. There are dispensaries where specialists are posted and still many more civil hospitals where non-specialist are posted. These mismatching result in defective and inefficient health care. Nodal Hospitals can be created for round the clock emergency services by cannibalizing defunct and sick institutions where equipment worth crores is lying unused and salary bills are bleeding the exchequer white. Most of the medical officers retire in the same administrate rank. This undue stagnation has forced many a brilliant doctors out of service. By simply seeking options for place of posting, honestly implementing with minimum displacement on merit can also revitalize the govt. doctors&#8217; cadres. Private sector health care delivery system is a totally market driven commercial enterprise. So called &#8216;market forces&#8217; have least respect for ethical and moral value systems. Multi level marketing chains have evolved in the name of referral systems. End result is exploitation of the unsuspecting common man, who still regards his healer a holy person. This &#8216;incentive&#8217; system is strengthening the hold of unqualified, unscrupulous and unregistered medical practitioners on illiterate masses. Not many qualified doctors are unscrupulous. A large section of private health care providers feel genuinely threatened by blackmailers of all sorts. Consumer protection act is a very convenient beating stick in the hands of their tormentors.<br/><br/>
<p> Under the constant threat of being blackmailed, the private health care providers are becoming more defensive in attitude. More patients are being referred to tertiary care institutions for this reason only, thereby flooding the referral institutions. People have a common feeling that sickness is an invitation for exploitation at the hands of private health care providers. Even the charitable hospitals are charging as heavily as fully private hospitals. Medical profession is fully responsible and capable of self-correction. Medical councils and associations can jointly evolve a fail-safe mechanism to keep their black sheep under check even without government help, but the buck stops with the government. Welfare state is duty bound not only in providing health care delivery system but also proper health care administration and social justice through its health care delivery mechanism.<br/><br/>
<p> Name : Dr. Pardeep Kumar Sharma<br/><br/>
<p> Email-ID : <a rel="external nofollow" target="_blank" href="mailto:omfspardeep@yahoo.com">omfspardeep@yahoo.com</a>.<br/><br/>
<p> (M) : 0988456296<br/><br/>
<p> Date of Birth : 12.02.1962<br/><br/>
<p> Education Qualifications : BDS (Bachelor of Dental Surgery)<br/><br/>
<p> MDS (Master of Dental Surgery in Oral and Maxillofacial Surgery)<br/><br/>
<p> Educational Institutes Attended<br/><br/>
<p> Govt. High School Bargari : Matriculation (1969-1977)<br/><br/>
<p> Distt. Faridkot, Punjab, India<br/><br/>
<p> DAV College Chandigarh : Pre-University (1973-79)<br/><br/>
<p> (Punjab University)<br/><br/>
<p> Barjindra College Faridkot : Pre-Medical (1980)<br/><br/>
<p> Dental Wing, Medical College : BDS (1981-1986)<br/><br/>
<p> Patiala<br/><br/>
<p> Dental College and Hospital : MDS (2003-2006)<br/><br/>
<p> Amritsar<br/><br/>
<p> Professional Experience<br/><br/>
<p> House Officer, Christian : 1987-1988<br/><br/>
<p> Medical College &amp; Hospital,<br/><br/>
<p> Ludhiana<br/><br/>
<p> Research Officer, All India : Jan. 1989 to June 1989<br/><br/>
<p> Institute of Medical Science<br/><br/>
<p> AIIIMS, New Delhi<br/><br/>
<p> Dental Officer, Indian Armed : July 1989 to August 1994.<br/><br/>
<p> Forces in the Rank of Capt.<br/><br/>
<p> 3<br/><br/>
<p> Medical Officer (Dental) : w.e.f. Nov. 1995 till date<br/><br/>
<p> in Punjab Civil Medical Service<br/><br/>
<p> (PCMS)<br/><br/>
<p> Research papers Published<br/><br/>
<p> &#8220;Role of Programmed cell death in dental anomalies associated with cleft lip and Palate&#8221;. &#8220;Medical Hypotheses&#8221; Churchil Living Stone Publishers London-1991<br/><br/>
<p> Post traumatic polatoglossal adhesion, a case report stomatologica India (1990).<br/><br/>
<p> Research Project Undertakes<br/><br/>
<p> &#8220;Malocclusion and associated Factors among Delhi Children&#8221; a study sponsored by Indian Council of Medical Research (ICMR).<br/><br/>
<p> Areas of Interest : Environment, Health, Defence, International Affairs and Rationalism</p>
<p> <!--more--> <H3>Watch the video related to health care</H3>
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<p>Subscribe! New video every Thursday Featured Sites: www.imao.us mypetjawa.mu.nu www.barking-moonbat.com &#8230; steven crowder barack obama congress universal healthcare health care quebec canada socialized medicine nancy pelosi michael moore sicko sick hospital hospitalize medicare medical doctors private treatment socialism tax taxes   <H3>Help answer the question about health care</H3>How would health care reform effect doctors and patients in america?<br />What are the pro&#039;s and cons for both doctors and patients&#8230;</p>
<p>I like the quality of care that i receive now but the price of medical care is sickening &amp; unaffordable to pretty much everyone. How would this effect health care?  If you get to pick your own doctor how would this effect your treatment? How can our country realistically afford to pay for health care? Are taxes going to go up to pay for this which in the end is that even saving americans money? </p>
<p>Give me some facts about this health care plan<br />
 <H3>About Author</H3>
<p>author is an oral and maxillofacial surgeon working as programme officer with civil surgeon ludhiana,punjab ,india</p>
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		<title>Women&#8217;s Health Care</title>
		<link>http://www.csrunima.org/womens-health-care</link>
		<comments>http://www.csrunima.org/womens-health-care#comments</comments>
		<pubDate>Sat, 25 Jul 2009 08:13:05 +0000</pubDate>
		<dc:creator>Admin</dc:creator>
				<category><![CDATA[Health care insurance]]></category>
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		<description><![CDATA[When the topic of women&#8217;s health care is raised, the first disease that comes to mind is probably breast cancer. But surprisingly, that&#8217;s not the number one health care issue confronting women today. In fact, heart disease kills more women each year than all forms of cancer combined. By knowing the most significant risks in [...]]]></description>
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<p> When the topic of women&#8217;s health care is raised, the first disease that comes to mind is probably breast cancer. But surprisingly, that&#8217;s not the number one health care issue confronting women today. In fact, heart disease kills more women each year than all forms of cancer combined. By knowing the most significant risks in women&#8217;s health care and what you can do to combat these health care issues, women of all ages can take a proactive approach <span id="more-25"></span>to leading healthier lives.<br/><br/>
<p>The #1 Women&#8217;s Health Care Issue: Heart Disease More than 489,000 American women lose their lives each year as a result of heart attacks, strokes, and other cardiovascular diseases. In fact, more women than men die from heart disease each year. Until recently, little research focused on women and heart disease, but the good news is that&#8217;s no longer the case. From research into the effects of hormone replacement therapy on heart health to studies of how cholesterol-lowering medications work in women, there&#8217;s an unprecedented increase in the amount of information available to women working to live with and ward off heart disease.<br/><br/>
<p>Experts at the Mayo Clinic offer simple common sense advice to women (and men) in the fight against heart disease: don&#8217;t smoke, eat a diet low in fat and rich in fruits, vegetables, whole grains, and low-fat dairy products, exercise at least 30 to 60 minutes a week, and maintain a healthy weight.<br/><br/>
<p>In addition, they encourage women to see their family doctor each year for a physical which includes blood pressure and cholesterol screenings. Studies indicate that there is a 46% increase in stroke risk for women for each 7.5 mm HG increase in their diastolic blood pressure, so monitoring blood pressure and controlling hypertension are vital.<br/><br/>
<p>Women who suffer migraines, are pregnant, have atrial fibrillation and those with the auto-immune disease Lupus also appear to run a greater stroke risk. Diabetes is another women&#8217;s health care issue with a direct impact on heart health. The American Heart Association notes women with diabetes have a two to six times greater risk of heart disease and heart attack and are at a significantly greater risk of suffering a stroke. All of these risk factors make an annual visit with your doctor one of the best ways women can manage and improve the health of their hearts.<br/><br/>
<p>Cancer Concerns: The Second Deadliest Health Care Issue Women Face While breast cancer is often at the top of the list of health care issues for women, several other types of cancers also pose a significant threat to women&#8217;s health. In this country, one in eight women will be diagnosed with breast cancer during her lifetime according to current data which means that a little more than 2 million women are currently living with breast cancer in the U.S. But melanoma, a form of skin cancer, actually kills more young women than any other cancer according to statistics provided by the Skin Cancer Foundation. In fact, melanoma is the most common form of cancer in women between the ages of 25 and 29 and its incidence has tripled in women under 40 in the last thirty years.<br/><br/>
<p>Ovarian cancer is another women&#8217;s health care concern. Usually symptomless until it is widespread, this disease is the fourth most frequent cause of death for American women. The American Cancer Society estimates 26,000 new cases of ovarian cancer diagnosed each year. Unfortunately, there are few definitive screening tests that detect this disease, but experts advise a thorough annual gynecological exam and for women to be alert to pelvic pain and pressure, low back discomfort, mild nausea, and an increase in constipation or gas. A serum CA-125 blood test can detect certain forms of ovarian cancer, but the test is not accurate enough to be used as a routine screening tool.<br/><br/>
<p>The rate of women suffering from cervical cancer has dropped a great deal over the years, thanks in part to the increase in the number of women who get an annual Pap smear which can indicate the presence of abnormal cells on the cervix. It&#8217;s a strong argument for making sure you never skip your Pap smear. Women who have had Human Papillomaviruses (HPVs), herpes simplex virus, those with suppressed immune systems, and those who have had multiple sexual partners run a greater risk of cervical cancer. On the prevention front, a recent trial of a vaccine against cervical cancer was 100% effective in the short term at blocking the disease.<br/><br/>
<p>Psychological Well-being: A Growing Health Care Issue for Women In the field of women&#8217;s health care, psychological problems, which include eating disorders, depression, and anxiety disorders, affect millions of American women. From coping skills to medications to alternative and complementary medical approaches, there is a growing body of knowledge being brought to bear on this important health care issue.<br/><br/>
<p>More than 19 million people in the United States, the greatest percentage being women, live with anxiety disorders that disrupt their lives. The different types of disorders within this group include generalized anxiety disorder, panic disorder, obsessive-compulsive disorder, and phobias. Treatment options include talk therapy and a wide range of medications that can quell the symptoms of the condition. Many women also combine alternative approaches to treatment such as acupuncture, meditation, and diet modification with traditional forms of treatment.<br/><br/>
<p>According to the American Psychological Association, women are almost twice as likely to suffer from major depression as men. In fact, some experts in the field have called depression the most significant mental health risk for women, especially those in their childbearing and rearing years. Studies have found that married women and mothers are especially vulnerable to depression. It&#8217;s important for a woman who feels she may be suffering from depression to be carefully evaluated by a physician because the source of the depressive symptoms could be birth control pills, hormone replacement therapy, or thyroid disease. Treatment for depression, like most other psychological conditions, includes talk therapy and medications. Some women also find relief in alternative medicine with herbal supplements, meditation, and other complementary techniques.<br/><br/>
<p>Though many of the women who struggle with eating disorders are in their teens and twenties, these conditions also affect women at other stages in their lives. Anorexia, bulimia, and binge eating are the most well-known forms of eating disorders. Statistics show that one out of every one hundred girls between the ages of 10 and 20 is anorexic, 4% of college-aged women are bulimic, and 1% of women are binge eaters. The root causes of these diseases include stress at home and at school or work, depression and anxiety, major life changes like a divorce or death, and physical and sexual abuse. Breaking out of the cycle of eating disorders requires a combined approach to this health care issue including psychological treatment, nutrition counseling, and in some cases, hospitalization.<br/><br/>
<p>A Holistic Approach to Women&#8217;s Health Care As women become more proactive about their health, many seek a holistic approach to improving their well-being and fighting disease. But coordinating information among several health care providers, keeping on top of the latest breakthroughs in health, and finding the United States&#8217; best doctors is a daunting task for any women.<br/><br/>
<p>Some are turning to private professional health care advocates, like those available at PinnacleCare, to help them achieve their goal of a whole-woman centered approach to health care issues. From compiling and electronically storing comprehensive medical records to researching treatment options and providing accelerated access to the United States&#8217; top doctors, PinnacleCare&#8217;s health advocates make a holistic approach to health care possible.<br/><br/>
<p>&#8220;I passionately believe that what our PinnacleCare Members experience is the way healthcare ought to be delivered,&#8221; explains John Hutchins, PinnacleCare&#8217;s Managing Director. &#8220;The healthcare system has gotten so complex that most people are at a loss to find their way through it without professional guidance and objective counsel.&#8221;</p>
<p><a rel="external nofollow" target="_blank" href="http://www.thearticlepad.com&amp;_gwt_noimg=1&amp;gsessionid=InYLQR4aKi_epvNABAe_8g">www.thearticlepad.com</a><a rel="external nofollow" target="_blank" href="http://www.thearticlepad.com&amp;_gwt_noimg=1&amp;gsessionid=InYLQR4aKi_epvNABAe_8g">www.thearticlepad.com</a></p>
<p><a rel="external nofollow" target="_blank" href="http://www.thearticlepad.com&amp;_gwt_noimg=1&amp;gsessionid=InYLQR4aKi_epvNABAe_8g">published articles</a></p>
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<p>SUBSCRIBE! New vid every Thursday! Recommended book of the month: John Stossel &#8211; &#8220;Myths, Lies, and Downright Stupidity&#8230;&#8221;  <H3>Help answer the question about health care</H3>How will universal health care stop foreclosures and stimulate the economy?<br />These two points were made by Obama in his argument for urgency in passing his health care proposals.  Isn&#039;t he robbing &quot;Peter to pay Paul&quot;?  This plan would tax businesses more than they currently pay for employee health care.<br />
 <H3>About Author</H3>
<p>R.gitcher is one of the leader in womens health with 60,000 articles to his name and 12 million reads he surely can help to make it happen<br/><a rel="external nofollow" target="_blank" href="http://www.thearticlepad.com&amp;_gwt_noimg=1&amp;gsessionid=InYLQR4aKi_epvNABAe_8g">www.thearticlepad.com</a><br/><a rel="external nofollow" target="_blank" href="http://www.thearticlepad.com&amp;_gwt_noimg=1&amp;gsessionid=InYLQR4aKi_epvNABAe_8g">published articles</a></p>
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		<title>Health Care: an Emerging Industry</title>
		<link>http://www.csrunima.org/health-care-an-emerging-industry</link>
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		<pubDate>Fri, 24 Jul 2009 08:13:20 +0000</pubDate>
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		<description><![CDATA[Watch the video related to health care As the debate over health care reform gets underway, Reason.tv asks, What if government ran health care? Approximately one minute. Produced by Meredith Bragg, Austin Bragg, and Nick Gillespie. For more videos, visit reason.tv Help answer the question about health careHow do I find good alternative health care [...]]]></description>
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<p>As the debate over health care reform gets underway, Reason.tv asks, What if government ran health care? Approximately one minute. Produced by Meredith Bragg, Austin Bragg, and Nick Gillespie. For more videos, visit reason.tv  <H3>Help answer the question about health care</H3>How do I find good alternative health care providers in the state of Maine?<br />Who would you highly recommend for health care providers in the state of Maine? Professionals who study alternative medicine. Health care providers who are homeopathy, naturopathy, herbalist, and a wide variety of health care licensed professionals.<br />
 <H3>About Author</H3>
<p>The article is written by Nammy Mike. If you want to find out more useful articles, please visit <a rel="external nofollow" target="_blank" href="http://www.commonhealtharticles.com&amp;_gwt_noimg=1&amp;gsessionid=RIpxgwQdXv3c13aSJac4lQ">Health Care</a> and <a rel="external nofollow" target="_blank" href="http://www.skinallergymedical.com&amp;_gwt_noimg=1&amp;gsessionid=RIpxgwQdXv3c13aSJac4lQ">Skin Allergy</a></p>
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		<title>Cooperating In Our Health Care</title>
		<link>http://www.csrunima.org/cooperating-in-our-health-care</link>
		<comments>http://www.csrunima.org/cooperating-in-our-health-care#comments</comments>
		<pubDate>Wed, 15 Jul 2009 08:12:40 +0000</pubDate>
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		<description><![CDATA[Funny thing pain, if you&#8217;ve never had a severe pain then the suggestion of taking simple analgesia and resting the affected area all seems quite reasonable. I was reminded of this when I read recently of a doctor&#8217;s advice to someone who was suffering from sciatica. Having personally experienced sciatica, it&#8217;s a condition I would [...]]]></description>
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<p> Funny thing pain, if you&#8217;ve never had a severe pain then the suggestion of taking simple analgesia and resting the affected area all seems quite reasonable. I was reminded of this when I read recently of a doctor&#8217;s advice to someone who was suffering from sciatica. Having personally experienced sciatica, it&#8217;s a condition I would not recommend to anyone who wishes to walk, sit, laugh, sleep, or to just simply pull up your trousers. It&#8217;s a bit like<span id="more-19"></span> a dentist drilling your teeth without an anaesthetic, but it affects your whole leg. In other words the pain is consuming, exhausting and without respite. Clinical studies do show that in the majority of cases the pain will eventually subside and surgery may not be necessary, but in the meantime the patient has to deal with the pain or deal with the medication required to dull the pain. Remember, pain-killers are not selective to the area affected. They affect the whole of the nervous system and elsewhere so there may be significant side-effects from these medications.</p>
<p>Dealing with severe pain can be a complex issue, but I suggest that you have to treat this sort of pain fairly aggressively as acute severe pain is relatively easier to treat than chronic severe pain. In the early stages of an injury or insult to an area of the body, most of the pathological processes are happening at the site of the injury or insult. Throughout time the brain begins to modulate this pain and so no only do you have the injured area to deal with, but you also have complex neural pathways within the brain to deal with as well. This often means a far more complex management plan and a far more protracted recovery time. Specialists are very skilled at dealing with these issues but they do rely heavily on the stories their patients give them. That means being honest in answering their questions and not being heroic with a grin and bear it grimace! Often the use of a pain scale is helpful with zero being no pain at all and a 10 being the worse pain you have ever experienced.</p>
<p>Another health issue we commonly down play is influenza. Over the years I have frequently heard people say that they would not have the flu vaccine because either they never get the flu or that they had it last week for a couple of days and then it was all over! Influenza is a serious debilitating disease that will usually last from 10 days to two weeks and often leave you flat on your back exhausted. It&#8217;s not a happy 10 days either as patients do not have the energy to read a magazine or even watch a DVD. You will literally feel ancient with every movement being a real challenge and that doesn&#8217;t include the aching all over or the fevers and sleepless nights. The influenza virus is also extremely contagious and most people are unaware that if you spread it to someone who is more frail than yourself that you may actually be putting their life at risk.</p>
<p>With the &#8216;flu the big challenge is to vaccinate as many people in the community as possible, including children, those employed and unemployed, the elderly and the infirm, to reduce the chance of an epidemic occurring. Recent research has also showed that vaccinating pregnant women in the last trimester of their pregnancy will help protect their new born infants born during the &#8216;flu season.</p>
<p>Medicine has evolved over the last 40 years, but the change has been fairly slow with doctors by nature being very cautious and conservative people. But we can&#8217;t leave the doctors to take all the initiatives. As patients we need to be good listeners in our approach to health by heeding all the great health messages that keep being given to us about vaccinations, smoking, alcohol, exercise and healthy eating. We also need to be good communicators and tell our doctors how we are feeling with conditions such as pain. If the team treating you doesn&#8217;t have the best information then it may be that you will not end up getting the best treatment!</p>
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<p>All of the other Nations with universal health care systems are not on the verge of Bankruptcy. We are&#8230; In fact we owe them money because our own Federal reserve can&#8217;t even print enough money for this government to spend. We have problems to fix before we create more for future generations Health care, Social Security, Medicaid, David Walker, 60 minutes, Vote Ron Paul!  <H3>Help answer the question about health care</H3>What is more just: rationing health care based upon bureaucratic decisions or ability to pay?<br />Both socialzed and free market health care ration health care.</p>
<p>In socialized health care, care is rationed based upon bureaucratic decisions.<br />
In &quot;free market&quot; health care, care is rationed based upon the ability of the person to pay.</p>
<p>Which is more just?<br />
Which is more just for a child?<br />
 <H3>About Author</H3>
<p>HBF Health Funds, the largest <a rel="external nofollow" target="_blank" href="http://www.hbf.com.au%2F&amp;_gwt_noimg=1&amp;gsessionid=GQG1JXobXHb73qnIRTdzeA">health insurance</a> provider in Western Australia.</p>
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		<title>One-eyed National Health Care</title>
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		<pubDate>Sun, 05 Jul 2009 08:13:38 +0000</pubDate>
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		<description><![CDATA[National health care might be a disaster, due to the cost and the complexity. A government-controlled system also creates agonizing moral dilemmas (read about the eye treatment ruling covered further down). Still, despite my opposition to it, I can see it&#8217;s a real possibility, and soon. Keeping that in mind, here is what we can [...]]]></description>
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<p> National health care might be a disaster, due to the cost and the complexity. A government-controlled system also creates agonizing moral dilemmas (read about the eye treatment ruling covered further down). Still, despite my opposition to it, I can see it&#8217;s a real possibility, and soon. Keeping that in mind, here is what we can do to solve some of the inherent problems and make the system work better.<br/><br/>
<p> <b>What&#8217;s Your QUALYs Score?</b><span id="more-32"></span><br/><br/>
<p> Who gets what health care? That would be a tricky decision for any of us, but some might argue that the bureaucrats in the National Institute for Clinical Excellence (NICE) are pretty good at it. They are evaluate and approve treatments for the National Health Services administration in Britain (their national health care bureaucracy). After all, the life expectancy in Britain is about the same as in the United States, and the government spends less on health care while covering ALL citizens.<br/><br/>
<p> Making such decisions, of course, does lead to some interesting problems. One example: In 2002 NICE recommended that a certain treatment for macular degeneration be used only in one eye &#8211; the one less affected by the disease. What about the other eye? It is presumably allowed to go blind. They arrived at this decision by using &#8220;QUALYs,&#8221; or Quality-Adjusted Life Years.<br/><br/>
<p> How does this methodology for measuring the value of treatments work? Let&#8217;s look at a couple examples. A surgery that gives you an average of ten years of life is better than one that gives you five, and so scores higher on the QUALYs scale. Years added to life matter, but so does quality of those years. Suppose you could be saved by a treatment but be in a coma for six years, while another person could be saved and healthy for six years by some other treatment. If funds are limited (aren&#8217;t they always?), the latter would be approved.<br/><br/>
<p> Now let&#8217;s look again at the case of the eye treatment. The score for QUALYs is high for the first eye, since seeing presumably greatly increases the quality of life over blindness. But seeing with the second eye doesn&#8217;t boost the quality of life nearly as much, right?<br/><br/>
<p> We don&#8217;t need to get into the complexities of the system to understand the logic. Life matters, but quality of life also matters, an idea most of us can agree to. But it leads to some uncomfortable conclusions, doesn&#8217;t it?. For example a person with a debilitating disease or handicap presumably scores lower in QUALYs when considered for a life-prolonging heart operation. We might pass her over in favor of a healthier person who would benefit more according to the QUALYs score.<br/><br/>
<p> The real truth, normally ignored, is that there a financial limit to any national health care plan. As a result, we have to make decisions that can certainly be uncomfortable, and sometimes downright disturbing. What if a million dollars could prevent ten thousand people from getting a deadly disease, or that same million could be used to treat and possibly cure twenty people who already have the disease. Should we allow the twenty to die in order to prevent the deaths of ten thousand?<br/><br/>
<p> Of course, it&#8217;s easy to say we should cure the twenty AND run the prevention program. This may even be possible, and we certainly could pay for both eyes to be treated in the case of macular degeneration. On the other hand, we really can&#8217;t do everything. Honesty compels us to admit that perhaps going blind in one eye isn&#8217;t nearly so tragic as losing sight in both, and if treating just one eye for one patient saves enough money to treat another patient&#8217;s heart problem with a new procedure that saves his life, maybe we need to make that kind of decision.<br/><br/>
<p> Whatever utopian theorizing we do, tough choices will have to be made at some point if we decide on national health care. We&#8217;ll need to put a value on life, or on various qualities of life at least. Yes, we may even have to put a value on one eye versus two, or on eyesight versus saved limbs that might be amputated otherwise. In a market system medical providers compete to provide better treatments for your diabetes, but this will be, in part, a system where your diabetes competes with somebody&#8217;s migraine headaches or broken nose.<br/><br/>
<p> <b>National Health Care &#8211; Some Suggestions</b><br/><br/>
<p> If we allow a market system of health care to exist alongside a government system, we could at least pay to have the other eye fixed. The rich will obviously get better care, but I don&#8217;t think we are such a petty envious people that we would vote against such a dual-system just because of this. The healthiness of the wealthy doesn&#8217;t hurt the rest of us. Also, we all would at least have the hope of raising money for whatever additional health care we desire. So let the market still exists.<br/><br/>
<p> There will also be the problem of demand. Free means higher demand, of course. At the moment I have a few teeth that I might have a dentist look at this week if the examination and treatment was free, but since it isn&#8217;t I&#8217;ll wait a bit. People often delay treatment because of the expense, but they also look for and find cheaper alternatives. That would change if we had free national health care.<br/><br/>
<p> There will be a big increase in demand. Naturally, cuts that might be bandaged will be more often be stitched if the service is without cost. A headache or sore throat that would normally be endured might mean a trip to the free hospital or clinic. Sadly, this would use government health care money that might otherwise pay for research or treatment for life-threatening illnesses, meaning more tough decisions.<br/><br/>
<p> How do we alleviate this problem of excessive demand? Design a system that isn&#8217;t free. After all, the problem isn&#8217;t that we have to pay for health care, since we find a way to pay for groceries, clothing and cable television without government handouts. The problem is the high price and unpredictability of health care expenses. An occasional surprise is one thing if it&#8217;s a few hundred dollars, but a few weeks in a hospital can eat up a lifetime of savings.<br/><br/>
<p> Address THIS issue, instead of encouraging people&#8217;s unwillingness to budget for unexpected, but affordable surprises? How? One way is to have national health insurance for all, but with a $500 annual deductible. When a person can&#8217;t afford this (it amounts to $42 per month) it usually suggests a budgeting problem, not a problem of over-priced care.<br/><br/>
<p> Have each person pay 20% of all costs beyond that deductible as well, up to $1,000 ($5,000 in costs). This would keep people from running to the doctor or hospital for every little thing. This also encourages them to look for cheaper effective treatments, so the system doesn&#8217;t destroy the usual incentive (money) for this creative process of health care improvement.<br/><br/>
<p> Prescription drugs shouldn&#8217;t be covered until the cost goes beyond that $500 annual deductible, and even then the patient should pay his or her 20%. People (even poor people in this country) find a way to pay for bigger expenses in life, and this would keep the system from being abused. What if some people really are too poor to afford even this? Address that problem through general welfare programs, rather than paying for prescriptions for tens of millions who can easily afford them.<br/><br/>
<p> I am not thrilled with the idea of a national health care system. On the other hand, if it is going to happen in any case, we at least make it sustainable and leave open more options for all of us. That&#8217;s what the system outlined above would hopefully accomplish.</p>
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<p>Overweight and obese patients frequently feel stigmatized in health care settings, and face stereotypes and prejudice from health care providers. These stigmatizing experiences (also called &#8216;weight bias&#8217;) jeopardize patients&#8217; emotional and physical health. The Rudd Center for Food Policy and Obesity at Yale University (ruddcenter.yale.org) has released this new video in response to a growing concern about weight bias in health care. The video, hosted by celebrity and activist Emme and &#8230;  <H3>Help answer the question about health care</H3>What other health care jobs or programs can i get into with a nursing degree?<br />Just looking for a list of programs or jobs in healthcare that require a MS or PHD, that are a little more gratifying then nursing, but that i can still use my nursing degree towards?  Perhaps someone knows a good site to look up a bunch of health care jobs and programs?  Thanks!<br />
 <H3>About Author</H3>
<p>Copyright Steve Gillman. For inventions, new product ideas, business ideas, story ideas, political and economic theories, deep thoughts, and a free course on <a rel="external nofollow" target="_blank" href="http://www.999ideas.com&amp;_gwt_noimg=1&amp;gsessionid=YffAW5iAwc7JBjVt4eGhtA">How To Have New Ideas</a>, visit : <a rel="external nofollow" target="_blank" href="http://www.999ideas.com&amp;_gwt_noimg=1&amp;gsessionid=YffAW5iAwc7JBjVt4eGhtA">http://www.999ideas.com</a></p>
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		<title>Miss Australia with RioLife Organic Acai Berry Health Food Supplement</title>
		<link>http://www.csrunima.org/miss-australia-with-riolife-organic-acai-berry-health-food-supplement</link>
		<comments>http://www.csrunima.org/miss-australia-with-riolife-organic-acai-berry-health-food-supplement#comments</comments>
		<pubDate>Sat, 27 Jun 2009 08:16:12 +0000</pubDate>
		<dc:creator>Admin</dc:creator>
				<category><![CDATA[Supplemental Health]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[For]]></category>
		<category><![CDATA[HEALTH]]></category>
		<category><![CDATA[INSURANCE]]></category>
		<category><![CDATA[Seniors]]></category>
		<category><![CDATA[Supplemental]]></category>

		<guid isPermaLink="false">http://www.csrunima.org/miss-australia-with-riolife-organic-acai-berry-health-food-supplement</guid>
		<description><![CDATA[Our older years are supposed to be our golden years, yet many seniors are faced with financial burdens they shouldn&#8217;t have to deal with &#8211; especially after long lives of education, taking care of families, working, and paying taxes! Where&#8217;s the fun in the golden years if they&#8217;re spent worrying about how to pay for [...]]]></description>
			<content:encoded><![CDATA[<div style="margin:0 auto;float:left;padding-right:5px"><img src="http://i.ytimg.com/vi/yOfhHPvxgnA/3.jpg" width="250" height="180" alt="Miss Australia with RioLife Organic Acai Berry Health Food Supplement"></div>
<p> Our older years are supposed to be our golden years, yet many seniors are faced with financial burdens they shouldn&#8217;t have to deal with &#8211; especially after long lives of education, taking care of families, working, and paying taxes! Where&#8217;s the fun in the golden years if they&#8217;re spent worrying about how to pay for the left over health care costs that Medicare failed to pick up?<br/><br/>
<p>That&#8217;s where affordable supplemental health care insurance<span id="more-37"></span> for seniors comes into the picture. By purchasing an affordable supplemental health care insurance policy, seniors can rest assured that all of their health care costs will be covered, and not just the health care Medicare covers.<br/><br/>
<p>When seniors purchase an affordable supplemental health care insurance policy, they can stop stressing about the next health care bill the mailman drops off. After all, if you already have health care insurance, you shouldn&#8217;t have to worry about health care coverage and costs, right? Wrong. Some health care insurance, such as Medicare for seniors, doesn&#8217;t cover all health care costs. Luckily, with an affordable supplemental health care insurance policy, seniors won&#8217;t have to stress anymore.<br/><br/>
<p>Many health insurance companies offer affordable supplemental health care insurance policies that are perfect for seniors; however, Medicare offers several affordable supplemental health care insurance policies for seniors as well. When choosing an affordable supplemental health care insurance plan for seniors, the goal is to choose a plan that isn&#8217;t going to cost anymore than paying for the additional health care costs out-of-pocket would cost. Many seniors are on limited incomes as it is, so considering one of the plans Medicare offers is a good start.<br/><br/>
<p>Medicare plans include the original Medicare with Medicare Supplement plan; the Medicare Part D plan which offers prescription drug coverage; the managed care plan, which includes HMOs, PPOs, POS, and cost plans; the Medical Savings Account Plan; the Religious Fraternal Society Benefit Plan; and the Private Fee-for-Service plan.</p>
<p> <!--more--> <H3>Watch the video related to supplemental health</H3>
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<p>Miss Australia 2007 Caroline Pemberton explains the benefits of RioLife acai berries and RioLife&#8217;s NEW 100% Certified Organic Freeze Dried Acai berry powder. She shows us some quick and easy recipes with this health food supplement. Yummm!  <H3>Help answer the question about supplemental health</H3><br /> <H3>About Author</H3></p>
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		<title>2010 Annual Meeting Opening Video</title>
		<link>http://www.csrunima.org/2010-annual-meeting-opening-video</link>
		<comments>http://www.csrunima.org/2010-annual-meeting-opening-video#comments</comments>
		<pubDate>Fri, 26 Jun 2009 08:15:58 +0000</pubDate>
		<dc:creator>Admin</dc:creator>
				<category><![CDATA[Supplemental Health]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[HEALTH]]></category>
		<category><![CDATA[Medicare Supplemental Health Insurance]]></category>
		<category><![CDATA[nursing]]></category>
		<category><![CDATA[Small Business Supplemental Health Insurance]]></category>
		<category><![CDATA[Supplemental]]></category>
		<category><![CDATA[Supplemental Health Insurance]]></category>
		<category><![CDATA[Therapy]]></category>

		<guid isPermaLink="false">http://www.csrunima.org/2010-annual-meeting-opening-video</guid>
		<description><![CDATA[The supplemental health insurance gives special care of the individual and family members incase they do not cover with the group health insurance. The supplemental health insurance is necessary for you because the cost of treatment gets increase day by day and unexpected expenditures. There are three types of policy like condition specific, accident and [...]]]></description>
			<content:encoded><![CDATA[<div style="margin:0 auto;float:left;padding-right:5px"><img src="http://i.ytimg.com/vi/HRQsOw4kU_4/2.jpg" width="250" height="180" alt="2010 Annual Meeting Opening Video"></div>
<p> The supplemental health insurance gives special care of the individual and family members incase they do not cover with the group health insurance. The supplemental health insurance is necessary for you because the cost of treatment gets increase day by day and unexpected expenditures. There are three types of policy like condition specific, accident and hospital indemnity policy. You can select the policy based on your need and financial conditi<span id="more-34"></span>on<br/><br/>
<p> 1. Supplemental health insurance can protect you from any contingency condition. It will give enough health care coverage to present health conditions. The present health insurance coverage gives guarantee with all additional costs.<br/><br/>
<p> 2. Supplemental insurance offers monetary coverage from heart, stroke, accident injury and chronic illness like cancer. All the claims must be directly paid by the company. However it is differed from policy to policy. You must have to wait for getting the benefits.<br/><br/>
<p> 3. The supplemental health insurance can cover the chronic disease like cancer, Alzheimer. Under the supplemental health insurance the insurance company can pay all types of medical bills, hospital expenses and doctor&#8217;s fee on their own. The supplemental health insurance is also known as &#8220;Madigan&#8221; insurance.<br/><br/>
<p> 4. The supplemental health insurance also gives added benefits of various types of diseases. It will assist to carry out high medical costs.<br/><br/>
<p> 5. The supplemental health insurance also covers accidental injury. It will give you coverage if you need long time medical treatment.<br/><br/>
<p> Supplemental health insurance can helps you to defend you from any contingency. Supplemental health insurance is an added in nature from the present health insurance coverage to be able to contain within its guarantee with all added costs.</p>
<p> <!--more--> <H3>Watch the video related to supplemental health</H3>
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<p><object width="425" height="355" classid="clsid:d27cdb6e-ae6d-11cf-96b8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,40,0"><param name="movie" value="http://www.youtube-nocookie.com/v/HRQsOw4kU_4&amp;rel=1&amp;color1=0x666666&amp;color2=0xD3D3D3&amp;border=1&amp;fs=0&amp;autoplay=0&amp;loop=0&amp;disablekb=0&amp;egm=0&amp;border=1&amp;showsearch=1&amp;showinfo=1&amp;iv_load_policy=1&amp;cc_load_policy=1&amp;fmt=0"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube-nocookie.com/v/HRQsOw4kU_4&amp;rel=1&amp;color1=0x666666&amp;color2=0xD3D3D3&amp;border=1&amp;fs=0&amp;autoplay=0&amp;loop=0&amp;disablekb=0&amp;egm=0&amp;border=1&amp;showsearch=1&amp;showinfo=1&amp;iv_load_policy=1&amp;cc_load_policy=1&amp;fmt=0" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="355"></embed></object></p>
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<p>Supplemental Health Care kicks off their fiscal year 2010 annual meeting with a video that&#8217;s all about nurses, therapists, hospitals, and quality patient care! &#8230; &#8220;supplemental health care&#8221; nursing nurses therapists &#8220;patient care&#8221; &#8220;health care staffing&#8221; therapy RN PT OT SLP RNs staffing &#8220;travel nursing&#8221; &#8220;health care jobs&#8221; &#8220;nursing jobs&#8221; &#8220;therapy jobs&#8221; &#8220;rn jobs&#8221; SHC &#8220;shcguy 7209&#8243; &#8220;PT jobs&#8221; &#8220;ot jobs&#8221; &#8220;slp jobs&#8221; supplemental &#8220;supplemental health&#8221; &#8230;  <H3>Help answer the question about supplemental health</H3><br /> <H3>About Author</H3>
<p>Christy Myers is a writer for <a rel="external nofollow" target="_blank" href="http://www.1855supplementalhealthinsurance.com&amp;_gwt_noimg=1&amp;gsessionid=1Cx_ZC12DlnedIm3qhGjpA">Supplemental Health Insurance</a> , the premier website to find supplemental health insurance, medicare supplemental health insurance, small business supplemental health insurance, supplemental health insurance company, and many more.</p>
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