Tips To Choose A Healthcare Insurance Provider

Choosing a healthcare insurance provider can be difficult with the large number of providers in the industry. With health-care costs on the rise, having some kind of health insurance is essential in today’s market. When choosing a regular healthcare insurance or supplemental health insurance, it is important to keep a few factors in mind.

Look at the Network

Most health insurance today is based on networks. Whether the plan is a normal one that provides basic coverage or one that provides Medicare supplement insurance, it is typically based on a network of providers. Before choosing a provider, it is important to review the network of medical facilities that are included. If a network is chosen that doesn’t offer the medical facilities that the consumer wants, the provider may not be the best option to consider.

Plan Options

When choosing a health insurance company, it is also important to look at the plan options that they offer. Some consumers need a health insurance plan that is compatible with a health savings account. Others need Medicare healthcare insurance that they can depend on. Not every provider offers the same options. Finding a provider that offers the correct healthcare plan is essential.

Customer Service

Another factor that needs to be considered when choosing a healthcare insurance provider is customer service. Not every healthcare provider offers the best customer service that is available. When it comes to filing claims and getting things covered when they should be covered, consumers need a company that has their best interests in mind. Otherwise, the experience of the consumer may not be as desirable as he would’ve otherwise liked.

Compare Cost

When choosing a healthcare insurance provider, it is important to consider the costs that will be involved. It is usually in the customers best interest to get quotes from multiple insurance companies at the same time. The consumer will simply have to fill out an application and provide some basic information about the family members that he wants to be included on the policy. At that point, the individual can get detailed quotes from the insurance companies. While it’s not all about price, health insurance can be very expensive. Finding an insurance company that provides premiums that a customer can actually afford are usually one of the top priorities in the search for health insurance. At that point, the consumer can make an educated decision about what policy he wants to buy. After the policy has been chosen, he can start using his insurance to save money on medical bills.

Healthy Lunch Recipes At The Office

Most of us are not home for lunch on most work days, and it becomes a challenge to find healthy lunch recipes which are easy to prepare, nutritious to eat, and yet do not spoil while away from home until lunch time.

If you have a refrigerator at work, where you can store food, make full use of this facility. This will allow you more options as to what to prepare, as it will remain fresher for longer.

Toss a few lettuce leaves, salad tomatoes and pieces of cucumbers in a bowl. Keep a few chicken strips in a separate bowl. At lunch time, add the chicken strips, a low fat salad dressing, and serve with fresh pita bread.

A tuna salad can be versatile and refreshing, yet healthy and filling too. Tuna salad can be made ahead of time, using fresh lettuce, chopped tomato, sliced onion and tuna. Mix in a little vinaigrette, low-fat salad dressing or mayonnaise. Store in the refrigerator, and serve with a fresh roll, rye bread or crackers.

Another simple lunch to make in the office kitchen is cream cheese and crackers. Sliced sweet pepper pickles, sliced cucumber pickles or any other pickles you enjoy can be prepared ahead. Place a spoon of fresh cream cheese on a cracker. Top with pickles and enjoy.

Fruit salad makes a delicious light but healthy lunch. Fruit salad can be made ahead of time easily, and stored in the fridge. Dice your chosen fruits. Sprinkle with a little lemon juice, and cover tightly with cling film, making sure no air can get to the fruit. Seal tightly. Serve your fruit salad with yoghurt.

If the office kitchen has a microwave available, you might want to try a couple of these ideas.

Fry an onion until golden. Add a little ground beef and salt and pepper too taste. Once at the office, heat the beef in the microwave. Place a little lettuce, sliced tomato and the warm beef on a buttered roll.

Make your favourite soup ahead of time. Freeze the soup in portions. Take a portion out of the freezer the night before work, and keep in the fridge. Microwave the soup at lunch time for a quick and healthy meal.

When making pies and casseroles, smaller portions can be set aside for a meal at the office, easily heated quickly.

Whatever you prefer eating for a healthy lunch, remember to always keep the staples handy: tuna, boiled eggs, crackers, cream cheese and fresh fruit. If you stick to making healthy lunch recipes, even while at the office, you will find your need to nibble in-between meals will drop sharply.

Tax Implications of the Affordable Health Care for America Act

The U.S. House of Representatives recently passed HR3962: the Affordable Health Care for America Act of 2009. The legislation is thousands of pages long, making it difficult for regular taxpayers to understand how the bill will affect them.

Tax Penalties

The new legislation is very expensive, and Congress has come up with a number of ways to pay for it. First of all, there will be a shared responsibility provision that basically forces taxpayers who cannot establish acceptable health care coverage to pay an additional 2.5{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} tax. There will be a hardship exception though, for taxpayers who cannot afford to pay the tax.

Payroll Penalty

In addition to a penalty on taxpayers who cannot afford coverage, the government will also assess an 8{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} payroll tax on businesses that do not offer health insurance to their employees. However, it is widely expected that the penalty will be reduced to 5{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} when the Senate revises the bill.

Millionaire Surtax

One of the largest sources of funding for the reform bill is a new surtax on individuals making more than $500,000 per year, of couples making over $1 million. In the House’s bill, beginning in 2010 all taxpayers making a qualifying amount will be subject to a massive 5.4{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} tax increase.

Inflation Increases

In addition to adding heft tax increases, the bill also partially repeals tax indexing for inflation. This will result in more money for the Federal government as the years go by. According to the Joint Tax Committee the surcharge is only expected to generate $30.9 billion in 2011, but nearly $70 billion in 2019.

Passage into Law?

The present version of this bill is not likely to get passed into law. Despite President Obama’s optimistic stance, some Senators are already pronouncing the bill dead on arrival. Although there has been a lot of discussion about this health care reform bill, it could be months before even a highly amended version of it becomes law. The Senate is not going to vote on the bill until at least 2010, and since they are expected to make numerous modifications it will likely need to return to the House for another vote. It could be six months from now before a health care bill goes to President Obama’s desk for a signature.

The Roni Deutch Tax Center is one of the nation’s hottest income tax franchise. Income tax preparation is a recession resistant industry. Learn more about this new tax franchise opportunity today.

Medical Office Assistant And Pharmacy Technician Courses For Fast Healthcare Careers

Becoming a pharmacist or a doctor is a serious educational commitment that takes several years. Especially in light of the almost decade long, immensely expensive process of becoming a doctor, healthcare careers can feel out of reach for many people. But becoming a physician is not the only option for healthcare hopefuls. Aside from nursing, two other prominent healthcare professions are medical office assistant and pharmacy technician. Lets have a closer look.

Pharmacy Technician

Pharmacy technician training has to prepare the student for the crucial role of assisting pharmacists conduct their duties. Most people know about the drug dispensaries found in commercial stores and hospitals, but theres also a role for pharmacy technicians in medical research, third party insurers and drug manufacturing. Regardless of where the technician takes a job, your training will focus on a strict and accurate understanding of measurement, dispensing systems and drug effects. Though you will have the supervision of a pharmacist, patient safety depends on your ability to provide exactly the dose prescribed, and youll also have a chance to make sure theyre receiving the right medication and get to work directly with clients, including calling them to ensure medications are being taken as directed.

Programs are usually provided through vocational schools and colleges, with a length averaging around a year, but some programs allowing completion in less time. Like any healthcare professional, you will have liability insurance and accredited programs are offered in most provinces in Canada. 43{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} are employed in hospitals or similar facilities, and pharmacist shortages have seen a recent boom in the demand for people with pharmacy technician training, making it a reliable choice for steady and rewarding work.

Medical Office Assistant

In Canada, the role of the medical office assistant is somewhat more abbreviated than your American cousins, because of provincially regulated Medicare instead of a byzantine network of private insurers, but theres still a strong demand for people with medical office assistant training. As well as clerical work, including working with sensitive and confidential medical records and calling patients to remind them of scheduled appointments, medical office assistants receive some front line medical training to help them understand the ins and outs of their patients needs.

One part secretarial and receptionist training, and one part anatomy and health lessons, medical office assistant training is also mostly found through career or vocational schools and community colleges. Like pharmacy technician programs the study time is short. Particular to the program the administrative side of the training also makes graduates flexible, with options to work outside the healthcare industry. If you do decide to stick with healthcare you could find yourself at the front desk of a private practice or part of a team in the medical record archives of a large hospital.

Healthy Diet Plans-how To Stay Fit And Healthy Your Whole Life

Healthy diet plans do not mean that you should starve to remain fit and agile. Your diet plan has to be linked to your body constitution, your daily routine and your metabolism factor.

A healthy diet plan keeps you light, fresh and mentally active through out the day. While there are a number of theories about the contents of a healthy diet plan, modern research proves that your diet plan should encourage you to eat healthy and eat organic foods.

Your diet plan should include eating small and medium servings at least 4-5 times a day, as compared to 2-3 heavy meals. Small and varied servings throughout the day keep you content without a heavy feeling. It also helps you avoid getting that craving for mid-meal snacks.

Make it a point to include generous amounts of fresh fruits, green vegetables, whole grain cereals and milk products in your diet plan. Fresh and organic fruits are good source of vitamins, minerals and carbohydrates and develop your immunity levels. Green vegetables are rich in iron, calcium and minerals.

If you are a non-vegetarian, then fish and egg white can be taken to meet your protein requirements. Pulses, nuts, tofu and beans are a good option for vegetarians.

One major misgiving about a healthy diet plan is that fat needs to be avoided at all costs. Remember that fat is an important element for your body to function efficiently.

It is like oil to your body machinery. You need to take unsaturated fats available in olive, sunflower and corn and avoid the saturated variety, which is generally found in animal products and bakery items.

Also, keep an eye on your calorie intake. Your calorie consumption is linked to your activity level and structure. People leading a sedentary life style require less calories compared to those who are more physically active. Gradually reduce your consumption of calories, if you are taking more than you need. Do not bring your intake to less than 1200 per day or otherwise you will feel burnt out.

Thus, to follow a healthy diet plan, you need to think positively and be prepared to make changes in your life style and food habits. Moderation is the key to success, and balanced food is an important ingredient for healthy and happy living.

Health care in Haiti a battered system is dealt another blow

When a powerful earthquake struck Haiti on Tuesday, many of those injured by collapsed buildings lay in the streets pleading for help. Even for those with open fractures and head injuries, there was little else they could do.

Haiti is not prepared to handle disaster.

By every measure, it’s the poorest country in the Western hemisphere and it has a health care system to match.

There have been improvements in overall life expectancy and infant mortality, and vaccination programs have helped largely eradicate some diseases like polio, but the country remains desperate for affordable health services. What few services existed declined in the last two decades because of political instability.

The country spends less than $85 per person on health care every year, and much of what is actually delivered is done by a patchwork of agencies from around the world.

Haiti has a public health crisis, according to Mdecins Sans Frontires (MSF)/Doctors Without Borders, one of several foreign medical aid groups that operate free emergency health services in the country. MSF’s own clinics are often overwhelmed by people who can’t afford to pay for private care. Public hospitals and clinics are plagued by management problems and shortages of medications, says the organization.

“The reality of what we are seeing is severe traumas, head wounds, crushed limbs, severe problems that cannot be dealt with with the level of medical care we currently have available with no infrastructure really to support it,” said Paul McPhun, operations manager for the group’s Canadian section. The country’s health indicators are grim. The average life expectancy is about 52, and Haiti has the highest infant and maternal mortality rates in the region.

More than 138,000 children under five die of preventable diseases every year, and women routinely die terrible deaths in childbirth because they live too far away from medical help, in rural areas without services or simply can’t afford to pay for services.

UNICEF says that out of every 100,000 live births, 670 women died of pregnancy-related causes in 2006. That’s five times the Latin American average.

Diarrhea, respiratory infections, malaria, tuberculosis and HIV/AIDS are leading causes of death. There is poor sanitation and increasing malnutrition, brought on by growing poverty.

In rural areas, only 14 per cent of residents have adequate sanitation, and most rural Haitians lack even basic health care services.

How to Maintain Healthy Joints

How to Maintain Healthy Joints*

Joints are where bones, connective tissue and cartilage all come together in your body to promote movement. Your joint support system is responsible for sustaining the area around muscles and bones, where they provide shock absorption and support your internal structure.

There are many ways to encourage healthy joint function, like maintaining a healthy weight and enhancing your diet with well-established joint care supplements like Glucosamine, Chondroitin and MSM.*

As one of the most scientifically studied joint health ingredients available today, Glucosamine is naturally found within the joints, making it the ideal supplement for supporting healthy joints and connective tissue.* Glucosamine comes in two forms, Hydrochloride, and Sulfate, and lubricates the joints to improve mobility and flexibility.* Chondroitin is a naturally occurring nutrient found in connective tissue; in supplement form, it helps revitalize cartilage and support the structural framework of joints.* MSM is a natural form of sulfur, one of the raw materials for collagenwhich plays a key role in promoting healthy connective tissue.* MSM also synergistically enhances the benefits of Glucosamine and Chondroitin to support healthy cartilage.*

Maintaining a healthy weight for your height can help promote healthy joints and comfortable movement, since every extra pound you carry on your frame puts four times the stress on your knees.1

The health of your joints goes hand in hand with enjoying comfortable, easy movement as you age. As of 2006, about 46 million Americans which is nearly 1 in 5 adults have cause for concern when it comes to healthy joint function.2 Additionally, women are more likely than men to have concerns about their joint health; and the likely culprit is wearing high heel shoes. Research shows that wearing shoes with a three-inch heel can put seven times the amount of stress on your joints than shoes with a one-inch heel. 3,4

*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.

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prout Healthy Vending is offering an organic healthier snack food option for children at school

Sprout Healthy Vending is offering an organic healthier snack food option for children at school.

About half of America’s elementary school students still have access to sugary snacks and other unhealthy options in school. Sprout Healthy Vending an organic vending machine distributor is hoping to change that with their new opportunities for schools.

For years kids at schools have had access to sweet candies and sugary soda pops. In some cases kids would even skip lunch and opt for the unhealthy goodies packed into their schools vending machines spending any monies given to them by parents on things like chocolate candy bars and sugar packed dare I call them “refreshments”. How could a child any child resist?

Sprout’s organic vending machines are now offering parents piece of mind with a much healthier snack to offer their children Sprout machines will include such items as dried fruits, baked chips, healthy whole grain bars and all natural juices.

Schools who join the Sprout venture will have the opportunity to put the new vending machines in the cafeterias and around campuses as part of a healthy eating initiative. The options are similar to what one might find in a more traditional vending machine. But unlike the unhealthy options, these alternatives have no artificial preservatives and are mostly gluten-free. The machines have already become more popular with students, who realize that changing their eating habits now will have lasting benefits when they are older. Nutritionists say that school vending machines stocked with potato chips, cookies and sugary soft drinks contribute to childhood obesity. Teaching children about healthier options is also the goal of the placement. If kids have the option to choose and are educated about the heath values of the choice options it might help fight child obesity and aid in healthier consumption.

The Obama administration is working on setting nutritional standards for foods that children can buy outside the cafeteria. With students eating 19 to 50 percent of their daily food at school, the administration says it wants to ensure that what they eat contributes to good health. Representatives of the food and beverage industry say they generally support selling healthier snacks and drinks in schools. This could lead to stricter guidelines for what is offered in snack machines that are vending snacks to kids in school. as the US government readies for these new rules requiring healthier foods to be sold beyond the cafeteria Sprout Healthy vending is gearing up for their contribution to the cause building machines and stocking them with healthy goodies ready for placement in schools.

Interested in getting involved? Whether you are a parent,on the school board or an entrepreneur seeking a great opportunity contact to ask how you can get involved. Call 800.450.7648 now.

Jason Bean is an expert on healthy vending machines and healthy snack options. For more information visit: Sprout Healthy Vending

Assurant Names Healthcare Solutions Team Americas #1 Health Insurance Agency

Lombard, Ill.Healthcare Solutions Team has been named Americas #1 Health Insurance Agency for a second straight year by Assurant Health.

The award was given to the Lombard, Illinois-based insurance agency based on the companys annual sales with Assurant Health. Overall in 2012, Healthcare Solutions Team had an annual sales volume of more than $83 million, which was a nearly 20{febe4e3661ebf913fa067a2450c781e67188167115e1f1e24c0f153211296814} jump over the prior year.

Working with valued partners such as Assurant Health makes growth a realistic opportunity for our company, said Grant Born, principal at Healthcare Solutions Team. Our goal has always been to find the best health insurance coverage for families, individuals and groups while staying within their budgets. With the changes in healthcare reform, having a variety of plans to choose from has taken on even greater importance.

Its easy to succeed when given the right tools, said Joe Eichman, principal at Healthcare Solutions Team. Our agents really can find a plan for everyone.

He added that Healthcare Solutions Team is continually listening to top producers, looking for ways to help them improve their performance. The companys LeadMaster system is one such innovation that drives results.

Healthcare Solutions Teams LeadMaster is the most advanced lead and client management system the industry has ever seen, said Born. With fully integrated auto dialing, bulk texting and email functions, it has never been easier to manage and organize our clients and prospects while keeping them informed.

Eichman agreed: We have added to an already dynamic technology, which allows Healthcare Solutions Team agents to out produce any other agents in the industry.

When they excel, the whole company thrives, he continued. We nurture all of our agents so that they become true partners and our advocates in bringing consumers the best, most affordable health plans available.

Grant Born and Joe Eichman created Healthcare Solutions Team in 2007 and since then the company has grown into one of the countrys premier health and dental insurance agencies. Based in Lombard, Ill., Healthcare Solutions Team has agents across the country who provide personalized solutions and optimized plans to fit each individuals budget and needs. The companys goal is to make affordable healthcare accessible to everyone.

Assurant Health, part of Assurant (AIZ), a Fortune 500 company and a member of the S&P 500, is the brand name for a family of health insurance products focused on providing a variety of affordable plan choices to consumers. The companys portfolio of health care products includes major medical, supplemental and fixed-benefit plans for individuals, families and small employers.

In addition to being named Americas #1 Health Insurance Agency by Assurant Health for two years in a row, Healthcare Solutions Team was listed in 2012s Inc. 500|5000 and has been named Americas #1 Career Health Insurance Agency and Top Key Broker by UnitedHealthOne, as well.

For more information on Healthcare Solutions Teamincluding career opportunitiescontact Jackie at (630) 261-3000 or . Or, visit the companys website at www.HealthcareSolutionsTeam.com.

Healthcare Risk Management Certification Options

Risk management in the healthcare industry is essential to ensure the safety of the patients and reduce liability for the institution. Research shows that even now, administrative mistakes and medical negligence still causes many grievances and disputes leading to legal battles.
Devising a good risk management programme and implementing a more strategic approach can save the company a lot of money. When a company is unable to put into practice methods to manage risk, valuable resources may be lost. To achieve and benefit from risk managements procedures, healthcare institutions must fully inform and support their leading managers to be completely aware and proactive in integrating risk thinking into all aspects of their work whether it is in operations, development or performance management.
There are minimum standards for healthcare institutions that have been agreed upon by government bodies to ensure the safety of the patient. However, there are still many cases of malpractice and medical negligence. A strategic and comprehensive risk management programme will aid in greatly reducing these unfortunate occurrences and protect all who work within the institution. It will also improve the standard of the care that is received by the patient and enhance the organisation as a whole helping towards creating a self sufficient business.
For those who already work in healthcare or are interested in a career in this field, there are many sources for you to gain a better understanding of benefits of risk management. There are courses offered by universities that cover extensively topics including standards of healthcare, governance of the Health Care Organisation, general risk management, federal and state laws and ways to integrate patient care with enterprise risk management. All these various aspects need to be taken into account to create a comprehensive healthcare risk management programme.
Various online courses may also be taken advantage of to develop your skills if you already in the healthcare sector. Most of the time, these courses are affiliated with a university and offer recognised certification in risk management. Students who are interested in a career within the healthcare industry can also use this to explore their opportunities in this lucrative segment of the healthcare industry.