Tuesday, May 31, 2011

Brooklyn Decker offers health and Fitness Tips-NewsWatch TV

I just found this video on YouTube related health ... and I thought that you would like it!

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Sports Illustrated swimsuit covergirl Brooklyn Decker, shares his tips on how to stay fit and healthy without spending a lot of time and money. She also preview her new fitness DVD, which includes a quick and easy exercises, every woman can just a few minutes each day. For more information about this clip or NewsWatch newswatchtv.com,

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Monday, May 30, 2011

The benefits of health insurance-what to focus on when choosing Healthplan


In this economy, many people have lost their jobs or are in fear of losing them. Retirement savings are down and seems to not know when the economy will turn around. In times such as these, we pay special attention to how he is Dollar co. If they lost their health insurance California or otherwise required to obtain health insurance is more important than ever to get the cover you need to help protect your family finances without paying for coverage you don't need to.

PPO, HMO, HSA ... with so many health insurance plans to choose from, how do I know California which health plan is right for you? With hundreds of health plans available in California may be difficult to decide which health plan is best for you and Your family.

It is important to compare the tenders premium from health different plans, but what are the benefits for a monthly premium for? Beyond just the quoted premium health plan and consider what are the benefits in the plan of health insurance are most important to you.

Focusing on the benefits the most is the first step in finding a health insurance plan, which not only provides the protection you need, but it is also affordable. Health Plan with the lowest premium may not financial to grant protection to get ill, have an accident or otherwise need attention. A comprehensive health Plan that covers a wide range of services and benefits may cost more in premium, but it can actually save you money on basic or "catastrophic" plan at the end of the spectrum where would pay for a much larger share of the cost when you receive medical care.

Here are some tips to help you narrow the list of California health insurance plans, when deciding which plan will be optimally. Run when deciding the type of benefits that are most important. What are the benefits have been used most in the past? What part of the medical expenses you pay yourself if you can reasonably major medical event? Use the following list to focus on the most important benefits. Then you can compare plans with benefits that best suits your needs.

HMO or PPO plan

maternity of

the amount to be deducted on

a copayment (copay)

a coinsurance amount

with out patients maximum

about prescription drug coverage (generic + brand benefits or just generic)

welfare preventive services

a health savings account (HSA), health in line plan

PPO-is for you that the plan offers a large network of participating physicians and hospitals important? Do you want to be able to see a specialist without a referral from Your primary doctor? Preferred provider (PPO) plans offer the largest network of participating physicians and hospitals. From the PPO you may seek medical care outside of the PPO network, although usually will cost more if you receive from your service provider, that is not in the network of care.

HMO-another option is to maintain the health of the Organization (HMO). Although not as popular as the PPO health plans, many people prefer them because of their simplicity. You can get most services for low copayment and coinsurance is usually not a requirement. Compromise with the HMO's must remain in the network to receive medical services listed. HMO networks are usually less than PPO network and, more generally, the appeal is required to see a specialist doctor of primary care.

Maternity-while the cost of California health insurance plans vary considerably, and it is important to choose a health plan that benefits you need, you can save money by choosing a plan without some benefits. If maternity is not important for you, look for a health plan without maternity. This alone can save you hundreds of dollars per year on health insurance plan.

Deduction of the amount-except for the services, is responsible for a copayment, deduction is the amount of the payment before the insurance plan to pay anything. If you're willing to pay more upfront costs when you need medical care, by choosing a higher deductible, you can make to lower insurance premiums.

Copayment (Copay)-copay is a flat-fee payment at the time of service. After payment, the plan pays a copayment is usually 100 per cent of the balance of the listed services. Some programs allow you to visit the Office of health insurance with low medical copay without having to meet their annual deductible insurance.

Coinsurance-in addition to the deductible, when comparing health insurance plans, pay attention to what amount coinsurance will be responsible for after Your deductible is met. Coinsurance is a percentage of the fees to pay for covered medical services, regardless of any copays or Your deductible.

With a maximum take-off Pocket-out patients maximum is the maximum amount per year you will have to pay for covered medical services. After reaching Your out patients, the health insurance plan pay for any additional medical expenses covered by the plan for the long-term benefit amounts.

Prescription drug coverage-as far as the scope of drug prescription, some programs keep premiums lower health insurance covering only by prescription generic medicines. It is important to remember that while there are many generic prescription drugs, not every drug prescription is available in generic form.

Preventive care services, in order to encourage the habits of a healthy lifestyle and thus reduce future medical costs, many health insurance plans offer low or no copayments or other financial incentives for preventive care services such as physical exams, immunizations, annual gynecological exams, mammograms, prostate cancer screenings and exams.

Health savings account (HSA)-whether you are interested in the health plan that will help You save money on income tax? Consider a plan of health savings accounts health compatible (HSA). Health savings account (HSA) combines high deductible health insurance with a tax advantaged medical savings account. The withdrawal of products, which are used to pay for qualified medical expenses including insurance deductible, coinsurance and co-payments are Federally tax-free.

Focusing on these nine benefits plan if you are looking for health insurance, you can find the plan that fits the needs of health care and Your grated/shredded tuna.








This article is provided by Jeff Breazile, owner of Studio benefits of health insurance services http://www.benefitstudio.com California health insurance system of the Agency to provide competent, friendly guidance, along with fast, easy experience online to purchase health insurance in California.


Sunday, May 29, 2011

Seven reasons for working with the health coach


Health Coaching is a new model for total health and wellness in particular. Coaching health is not something you do only sick. Coaching health is about optimising the human potential and has the philosophy ever expanding possibilities. Health coaching recognizes that there is an innate intelligence functions, inherent wisdom, which is all the healing, and repair and that the purpose of any practices of health and wellness is to remove distortions to the intelligence so the body can heal itself. 7 Reasons to work with health coach below will outline clearly how the City State of health and wellness in your life now.

1. you must bear responsibility.

As children always someone there to make sure that we do what we intended to. As adults we intended to be able to do this for ourselves. But what if we are not? What to do, if we keep making the other more important than our health and well being and not a transition? Health coach can help you by checking and responding to questions and is gentle reminder to operate the objectives of the health and wellness.

Also in the most traditional models of seeing doctor of dental health, we have a tendency to see this person as an expert-they need to know about our body more than we do and they can tell us exactly what we must do to be better. This System encourages us in a sense, to put our health in anyone's hands. We are not responsible, the health practitioner. The practitioner health or they told us to take the pills are, we are not really accountable. In the training of health, are expert best and only on you, and only one qualified to know, if something works or not.

2. you want to get the health and well being at once and for all

Too many of us joined the sports halls or running of the diet in the past, initially only to arouse feelings of viewing our enthusiasm to drain a few weeks later. We may feel disappointed with us, with the money we are doing and in the absence of the results we have achieved already. Things change, our responsibilities change, the time we have available and our goals of health and wellness. What is stopping you from committing to the path of improving health? Health coach can help you figure the answer once and for all and help you find real solutions, which not only work for you, but keep working, you can in the future.

3. you know what you need to be healthy, but you can just do not seem to stick to the amendment

This is not a question of good health education-most of us clearly understand what we need to do to stay healthy-eat lots of fruits and veggies, minimize red meats, exercise regularly and do not smoke or drink too much. Simple right? Why isn't there more of us then do this? Before we make any changes in our life we have to agree with these amendments, must be consistent with our values and the need to make sense in the context of our lives.

4. you must fight with overweight, are always a symptom of a disease, or otherwise does not feel good about appearance.

Being overweight is an issue that affects many Australians. Harms our health and harms Our self-esteem. Here, a health coach can help you find Your way among a large number of conflicting information available and keep things as simple as possible-no "diet" just a good look at how you can see the value and use of the food and how to affect the amount and types of food you eat each day.

5. it does not seem that, in order to find and enter a time to eat well, exercise regularly or take time for yourself

Whats really here? What issues are in the possession of the copies, giving yourself what you need to be healthy? Most of us are crazy busy and challenged with "not enough" time, but it is the real issue? Health coach will help you identify Your personal priorities and find a way to work in the health and wellness goals so you can keep doing, if you want to.

6. You are not diagnosed with cancer, diabetes, stress-related condition or some other chronic diseases, and you want to discover other available options for treatment.

Ms no longer wake up call. Your body is sending the message loud and clear that something must change. Health coach can help you specify options, alternatives, free treatment and educate more conventional approach so well informed and can make the best possible decisions for your health.

7. you have ' addictive personality "and make changes only to find yourself slipping back to unhealthy choices or behaviour patterns

Addictive behavior patterns, food drug addiction and drugs and alcohol can disrupt entirely our attempt to make permanent changes in our lives. Health coaching session will educate, inspire and support to deal with these difficult issues, to develop all the skills and knowledge you need to create and maintain the life of the vibrant health and it is free from addictions of all kinds.

As those of us who are already a serious wake up call know, health is the most important thing in our lives-without it, nothing much.  Unfortunately too many of us wait until it is too late to make changes in our diet and lifestyle. 80% of people die in Australia "lifestyle diseases", such as heart disease, diabetes and many forms of cancer. Become a wait til something is divided into this fix?

Coaching health is not something you do only if you are sick. This will help you find your way to better health and well-being. After all are the best (and only) the expert on you. Responding to questions, provide training and experience of the real, we'll look at the alternatives and explore new ideas, possibilities and ways of looking at health. Let us help you Find what works in their lives now without slipping back to eating negative performance or maintenance practices. Select the change in lifestyle, you can set the pace and you discover just how good is the feel!








Susan is a community focused speaker, workshop schedules and health coach extraordinaire! Passionate about making a vibrant health and also are available for all, its down to Earth and practical thoughts on the health and well-being are changing life. Her insights into the nature of the food and drug addiction and the intricacies and the psychology of eating are applicable to anyone who has authority.

Susan also helps business owners save money on staff costs by improving the health and wellness of their people and is the creation of the international community is viewed health practitioners doctors together to change the medicine way access and delivered worldwide! She can be contacted http://www.susansfoodforthought.com and in http://www.susanliving.com


Public health insurance-essential for system lifeguard-American health


There are a lot of discussion on the types of insurance proposals which will be required in the new health care system, which are currently being negotiated in Congress. President Obama has only come out in the framework of public health, which is opposed by private insurers, who say that they cannot compete with the plan, public health, which didn't have to generate a profit. Supporters claim public plan correctly say that it will have more choices and create more competition. Opponents argue that private health plans would go out of business, leaving only the system of health care completely Government.

Of course, all parties are exaggerating and taking up extreme positions. They are all at the time of the compromise and hopefully reach some form of agreement. Sad part is that at the moment they do not seem to be thinking of the person in the Centre of all this-the patient. Widely considered that the costs of health care, too many in this country, at the same time Americans at least 47 million are uninsured. So, from the perspective of patients, if you have health insurance, you pay way too much and getting a low value, and if you do not have it, and then simply continue to have problems. What dreadful choice. The noting of America.

The objectives of the capital health system are to lower costs and extend care to the uninsured. Obama wants a bill on his desk in October at the latest. Where can I start the Congress to compromise and why is it that Republicans in particular believe that the plans for public health are likely to be so dreadful. What is proof of this belief beyond their own philosophical ideas. Regularly make up alleged ogre "socialized medicine" whenever discusses plans for the public, but there is no evidence that countries with Federal systems with greater control over their health care, particularly in Europe, have worse health outcomes, the UNITED STATES. In fact, the contrary is TRUE, the results are much better overall health and costs much less money per capita of the population.

As a physician who has lived and worked in the USA, Australia and the United Kingdom, and who has an interest in the Organization of health services, I think that America can move forward in a way that is relatively simple, as long as we always keep the patient at the center of each system of health care plan. It is important that we do not design a system of health care primarily to protect the level of profit for some or all of the various components, whether they are vendors, insurers, health or pharmaceutical companies. We have the ability to pick the best parts of other health systems around the world, including those in the possible reform of American health care, and we should learn from other countries.

What can we do?

Firstly we should philosophy private partnerships. Australia is a good example where this works great. This means that public and private, not just private. The activities of the core American and social philosophy are based on the entities so that each new capitalist approach to health care must combine the need for profits in certain sectors of the health system, with the need to develop a number of basic public health services, which may be less likely to ever make a profit. The financing of care to include selection and should be implemented in many cases, through payments for annual or episodic whole person care, and not on a piece of individual rates as at present. These payment systems capitated works well for Kaiser Permanente, and in the UK. The primary benefit of this approach is rather to force more resources to the prevention of diseases and wellness promotion, and not for the treatment of diseases, which have begun already.

The public health care system, seemingly strongly supported by President Obama includes universal basic health insurance, as well as insurance of catastrophic care. We know that this type of system is also in America and is generally accepted and popular, because we have a very successful example of Medicare for seniors. Effectively widening the basis for Medicare for other populations could prevent many of the bankruptcy caused by the cost of health care and could include many of the current uninsured. Public insurance then you will probably pay for many services, emergency health and isolation, as well as the public health service, outstanding and postnatal care, and early, as well as some special care population, who cannot afford private health insurance, such as unemployment benefits, and some depletion or geographically isolated groups. Of course they would still be Medicare for seniors. These are areas where it will be less competition with private insurers, who are usually kept from them, but, of course, any private health insurers will be able to enter these markets and to compete if they wish to.

The private component might be funded with assistance from the wider tax incentives financial or similar tools to encourage most of the people (or businesses) to purchase private insurance. The aim should be that at least 80-90% of the population should have private insurance or comprehensive insurance or insurance payment to support the core Government provided insurance. It is important to achieve this level of insurance to ensure that everyone is financially responsible for at least a reasonable proportion of our health care costs. Here the Republicans are right as it is important that we do not care as something, which is supplied free of charge. The private sector should offer the full range of services from birth to death, but the industry should be more precisely regulated, so that they, for example, should be prevented from excluding patients due to the existing conditions. They should also have the possibility of additional charges for some services, "low", such as plastic.

These ideas are taken from and recognize the best parts of America, Australia and British healthcare systems. No country has a system of excellent health, and no country will ever. America can afford to choose the best from other countries as debates how to improve its health care system. Lets hope that Congress may be creative, look outwardly, and do not get the time down in political dogma.








Peter Yellowlees MD has recently published "health in the age of information-how can you and your doctor may use the Internet to work with". available in the http://www.InformationAgeHealth.com and most shops. E-Book download from RTM API, Blackberry, PDA and other mobile devices called "4 simple steps to better health-the appearance of the Interior" is available at Smashwords http://www.smashwords.com/books/view/1271in


Medical Health Savings Plan account or HSA offers significant tax savings in pension premiums and

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Opening a Health Savings Account today in partnership with an HSA qualified health insurance policy is what anyone should wisely consider as a smart alternative to continue paying for a traditional health insurance plan. Medical Insurance is the newest form of an investment vehicle that offers any person or business tremendous financial & tax benefits. Once you see the picture, understanding HSA health savings plans is very easy. Please read on and take an opportunity to become informed right now.

Since first being signed into law in December 2003 by the Federal Government, Health Savings Account (s) (HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year. HSAs are here to stay & a few million people have already come on board. Health Savings Account Plans are literally available today to any person over 18 in the United States. HSAs offer significant financial benefits including tax, premium, & retirement savings for you, your family, and/or your business. Knowledge is power when it comes to your finances!

A Health Savings Account enables you to:

1) Have access to a wide PPO network and in most cases provides the coverage to allow you to continue seeing your current doctors & specialists.

2) Lower your health insurance premium by 25% - 50%. to accomplish this, be sure to fully compare health insurance plans. One can typically save between 80 to 250 dollars per month when they change their plan over from a traditional health insurance plan to an HSA qualified high deductible health savings plan. Now make sure to forget any preconceived notions you may have about having a high deductible. Do not pay attention to what you may have heard. Don't be deceived! Although you'll now have high deductible insurance, there are safety nets that will be there to catch you if & when the need arises.

After your HSA is setup, the first step to take is to place money you save from having a lower monthly premium and place it into your new Health Savings Account each month. Realize that doing this really doesn't cost you anything; you are simply transferring the money you have just saved into a new location.

3) Next, enjoy IRS created triple tax advantages (see the "a-b-c" listed below) that HSAs uniquely offer. Reduce your annual out-of-pocket income taxes up to $1800 or more. You'll save EVERY year on taxes from here on out. Below are your three main tax-saving pillars.

a) HSA Contributions (deposits into your HSA account) are 100% tax free

b) The interest on all of your account investment gains are also 100% tax free. The choice of investments is yours and range anywhere from low-interest, virtually zero risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can modify it anytime.

c) Make 100% tax-free withdrawals for any HSA Eligible Expenses.

While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars. If you must use the money to cover any part of your deductible, you can make a tax free withdrawal and use the funds. These benefits & factors discussed above diminish the impact of having a high deductible plan. Furthermore, realistically there will often be periods of time where your money is solely growing because you have no medical expenses.

Here is another benefit. The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account can be withdrawn penalty-free for any reason, not only for qualified medical expenses. At that time you will pay only regular income taxes if you do not use the funds for medical expenses. The good thing however is that your income during retirement generally goes way down. Your tax rate will follow & you'll be paying lower income taxes. Of course the funds may continue to be used entirely tax free for HSA eligible expenses.

Finally, take comfort as that the funds in your HSA-account are always yours without exception, and they rollover 100% from year to year. You are permitted to even do a one time rollover from an IRA into a Health Savings Account without any penalty, if you choose.

And yes ... you may continue fully contributing to your IRA every year while still making the maximum allowed HSA contributions. Having both types of retirement accounts is the ultimate scenario, but if you can only contribute to one type... I would certainly recommend the Health Savings Account. This is because HSAs unlike IRAs are more than solely a retirement savings vehicle.

The straight truth is that many people are still rather unclear about HSA Health Savings Plans and what they truly accomplish. Too often, an individual or business's insurance broker has not kept them properly up-to-date on all the benefits available to them. Remember that although every agent & broker is obligated by a legal fiduciary duty to serve his or her client's best interest at all times, this duty is typically not policed or enforced by the Department of Insurance. It is not that the agents/brokers lack competency. But truly, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions? Not much of one. But who loses....YOU!

Last but not least, although the health insurance companies are legally obligated to offer HSA health savings plans in their product lines, they are not going out of their way to promote & publicize the full advantages of HSA plans. Doing so would also lower THEIR profits.

You are probably now realizing that as an insurance consumer, you really must take matters into your own hands and become accurately informed. Despite what you may have heard, HSAs are actually beneficial to anyone, not just the wealthy, or only people nearing retirement age. Regardless of income level, if you pay for health insurance, you owe it to yourself to consider and compare the benefits of an HSA health savings plan versus the more traditional health plan you are probably accustomed to. The expert advisers at HSA Health Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW. We are thrilled because the benefits of health savings plans can literally transform the financial portfolio of people just like YOU.








Drew Devore is a licensed insurance broker & Health Savings Account advisor at HSAHealthSavings. Drew does not charge any fees ever to advocate for you and provide consulting services. Unlike most insurance agencies, his company provides a comprehensive, zero cost policy review every year in order to make sure you always are on the health insurance plan that best fits your needs and budget (because health plans change often and new ones come out frequently). Our goal is to keep your health plan current. Also, the insurance carriers are very partial to selling only their own company's plans so it really is not wise nor does it save you any money at all to purchase insurance directly from a carrier. You will benefit from having an advocate from [http://www.hsa-health-savings.com] To speak with Drew or another expert advisor about HSAs or other related insurance topics, you may visit us by clicking Health Savings Account [http://www.hsa-health-savings.com] or by calling us Toll Free 1-877-888-9771.


Saturday, May 28, 2011

How to determine if a health savings account is right For You


Health savings accounts or HSA becomes an increasingly popular tool for many people to save money, reduce their annual tax burden and pay for their medical expenses. Like the IRA, individuals wishing to enroll in the programs you can make HSA maximum amount of money to their HSAs each year and then invest this money at a high percentage of production vehicles, such as stocks and bonds.

However, while HSAs provide excellent money and develop strong savings accounts, there are certain requirements that participants will have to be comfortable with in order to make their HSA. For most people HSAs financial are reasonable, which helps protect the movements of their money in designing also eggs slot for future medical expenses.

Here are a few things that everyone needs to think about when considering open HSA:

Healthy persons will benefit more

HSAs can be used by anybody to pay for eligible medical expenses and increasing wealth. However, in order to obtain an HSA, you must register in the forms of participants high deductible health insurance. Because of these high-deductible health insurance plans, participants will pay less premiums for their health insurance each month, but off-plan will be increased. Health insurance provider to start paying for eligible medical expenses, annual deductibles participants had to be met for the first time.

When a participant HSA is healthy, it will have a minimum annual health care costs. However, if the person concerned has any health conditions that require the attention and care, the individual will have to pay more out patients vis-à-vis his or her health before the beginning of the provider of health insurance, including medical expenses.

Deduction for HSA may vary on the basis of a specific program, which the participant chooses. This is why it is important that people choose plan of deduction are convenient payment. Then because they contribute money to the HSA, these contributions can help pay for medical expenses until the deduction meet each year.

Depending on the health situation of the HSA can continue to be a unique participants to help them save money, even if they have ongoing health conditions requiring attention due to the participants Save money every month off the cost of their premium payments. If they invest that monthly savings on high interest vehicles, you can increase the means used to pay off without effort.

Health savings account allows you to save on future health care costs

Money that people contribute to the HSA can be invested to all types of investments, which desires the individual. In many cases people choose their savings in high-yielding interest vehicles, such as the stocks CDs or money market account, which means that the funds will grow tax-free. These funds can be used in future to pay for qualifying medical expenses. In principle, persons who participate in a health savings account are making reasonable financial elections, which will benefit them.

However, if the person has an accident and needs funds to health savings account immediately, the individual will have the feel to withdraw money and using it to pay for the event. Individuals who are permanent medical conditions also may have for the convenience of using the money regularly pay towards deductible health insurance.

Everyone taking a health savings account enrollment also keep in mind that the funds they deposit to savings for health can be used to pay for something-costs not only treatment. Therefore, participant health savings account may increase savings in his or her tax-free as long as you want. Savings will be taxed only if they are to be withdrawn to pay for-eligible expenditure.

More control over the State of health

Another advantage of enrollment in health savings account is that the participants will have increased control over how they spend their medical dollars. Health savings account funds are limited and completely controlled by the owner of the account. Therefore, participants tend to pay special attention to medical services, they receive and what are these prices. As participants in the shop for the best price, are in better control of their medical expenses and services.

However, if a person is susceptible to many medical research and services performed and was unlikely to have a think about the price of the service or the service, individuals can pay more money than he or she due to the high deductible. Therefore, health savings account is often preferable for persons, which are discriminatory in terms of their health care costs and services.

For more information about establishing a health savings account for the year 2010, people should talk with a qualified health insurance or health savings account a classifier, as it is important that the participants are fully aware of the requirements and features of a health savings account. Savings accounts, health financial are reasonable and care options for many people and, when used optimally, you can save thousands of dollars each year participants off the cost of health care, while also helping them to develop their property.








By the Wiley Long -President, HSA for America -the nation's leading independent insurance company specializing in individual and family HSA insurance plans that working with savings accounts, health.


Friday, May 27, 2011

Achieving Excellent Health

a 10-week program to help you get into the shape you want while achieving excellent health for life! This book will lead you to the health and fitness results you've been wanting for so long. Just do what is spoken of inside and enjoy the benefits!


Find Out More Here!

Men's Health Fitness patch: Turkish

I just found this video on YouTube related health ... and I thought that you would like it!

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Thursday, May 26, 2011

Cut Your Health Care Costs Now!

Easy to read and understand, "Cut Your Health Care Costs Now!" is your ultimate guide to cutting your health care costs. Inside you'll find the best insider tips and resources available so you can stop stressing and start Saving Money today!


Find Out More Here!

Wednesday, May 25, 2011

World malaria day 2011

The topic of World malaria day 2011, the achievement of progress and impact, highlights successes in the last ten years, as well as remaining challenges to achieve near-zero deaths by 2015.

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Tuesday, May 24, 2011

Snehitha – the art of decorating home-home decoration tips

I just found this video on YouTube related health ... and I thought that you would like it!

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Snehitha ladies Art Deco home – home is decorated with special show tips

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To check the implementation of the health care power of Attorney and living Will

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Advances in medical technology, recent court rulings and emerging political trends have brought with them a number of life-and-death choices which many have never before considered. The looming prospect of legalized physician-assisted suicide is one such choice which severely erodes the inherent value and dignity of human life. The much-publicized efforts of certain doctors to provide carbon monoxide poisoning or prescribe lethal drugs for their terminally ill patients constitute euthanasia. So may the removal of certain life-sustaining treatments from a patient who is not in a terminal condition. Euthanasia and willful suicide, in any form, are offenses against life; they must be and are rejected by the vast majority of U.S. states.

However, people faced with these difficult dilemmas should be made aware that there are morally-appropriate, life-affirming legal options available to them. One such option, for Catholics and others, can be a "health care power of attorney" and "living will." South Carolina State law allows you to appoint someone as your agent to make health care decisions for you in the event you lose the ability to decide for yourself. This appointment is executed by means of a "health care power of attorney" form, a model for which can be obtained from your attorney.

A health care power of attorney can be a morally and legally acceptable means of protecting your wishes, values and religious beliefs when faced with a serious illness or debilitating accident. Accordingly, for persons wishing to execute health care powers of attorney, see the following instructions and guidance from the authoritative teachings and traditions of various religious faiths.

The intent of the health care power of attorney law is to allow adults to delegate their God-given, legally-recognized right to make health care decisions to a designated and trusted agent. The law does not intend to encourage or discourage any particular health care treatment. Nor does it legalize or promote euthanasia, suicide or assisted suicide. The health care power of attorney law allows you, or any competent adult, to designate an "agent," such as a family member or close friend, to make health care decisions for you if you lose the ability to decide for yourself in the future. This is done by completing a health care power of attorney form.

You...

o Have the right to make all of your own health care decisions while capable of doing so. The health care power of attorney only becomes effective when and if you become incapacitated through illness or accident.

o Have the right to challenge your doctor's determination that you are not capable of making your own medical decisions.

o CAN give special instructions about your medical treatment to your agent and can forbid your agent from making certain treatment decisions. To do so, you simply need to communicate your wishes, beliefs and instructions to your agent. Instructions about any specific treatments or procedures which you desire or do not desire under special conditions can also be written in your health care power of attorney and/or provided in a separate living will.

o Can revoke your health care power of attorney or the appointment of your agent at any time while competent.

o May not designate as your agent an administrator or employee of the hospital, nursing home or mental hygiene facility to which you are admitted, unless they are related by blood, marriage or adoption. 1996

Your agent...

o Can begin making decisions for you only when your doctor determines that you are no longer able to make health care decisions for yourself.

o May make any and all health care decisions for you, including treatments for physical or mental conditions and decisions regarding life-sustaining procedures, unless you limit the power of your agent.

o Will not have authority to make decisions about the artificial provision of nutrition and hydration (nourishment and water through feeding tubes) unless he or she clearly knows that these decisions are in accord with your wishes about those measures.

o Is protected from legal liability when acting in good faith.

o Must base his or her decisions on your wishes or, if your wishes cannot be reasonably ascertained, in your "best interests." The agent's decisions will take precedence over the decisions of all other persons, regardless of family relationships.

o May have his or her decision challenged if your family, health care provider or close friend believes the agent is acting in bad faith or is not acting in accord with your wishes, including your religious/moral beliefs, or is not acting in your best interests.

CONSIDERATIONS FOR ALL PEOPLE FROM CHRISTIAN/CATHOLIC TEACHING

The following is an attempt to gather information from the doctrines of Christianity, Catholicism, and Judaism to see if there are any commonalities with regard to health care agencies and living wills. We will see that all three religions have placed a value on dying with dignity and the right of the person to direct how their dying process will occur.

A major tenet of the faith is that it is unethical to take a life. It is not the highest of all values to stay alive, but you cannot affirmatively take steps to kill someone. The church is strongly against euthanasia and suicide. But often if the patient and medical care providers permit nature to take its course without heroic intervention, the person's life may be taken by God.

This is a narrow path. Taking a life is inappropriate; on the other hand, using heroic medical measures to keep a body biologically functioning would not be appropriate either. Mere biological existence is not considered a value. It is not a sin to allow someone to die peacefully and with dignity. We see death as an evil to be transformed into a victory by faith in God. The difficulty is discussing these issues in abstraction; they must be addressed on a case-by-case basis. The Christian church's view of life-and-death issues should ideally be reflected in the living will and health-care proxy.

Roman Catholic teaching celebrates life as a gift of a loving God and respects each human life because each is created in the image and likeness of God. It is consistent with Church teaching that each person has a right to make his or her own health care decisions. Further, a person's family or trusted delegate may have to assume that responsibility for someone who has become incapable of making their decisions. Accordingly, it is morally acceptable to appoint a health care agent by executing a health care power of attorney, provided it conforms to the teachings and traditions of the Catholic faith.

While the health care power of attorney law allows us to designate someone to make health care decisions for us, we must bear in mind that life is a sacred trust over which we have been given stewardship. We have a duty to preserve it, while recognizing that we have no unlimited power over it. Therefore, the Catholic Church encourages us to keep the following considerations in mind if we decide to sign a health care power of attorney.

1. As Christians, we believe that our physical life is sacred but that our ultimate goal is everlasting life with God. We are called to accept death as a part of the human condition. Death need not be avoided at all costs.

2. Suffering is "a fact of human life, and has special significance for the Christian as an opportunity to share in Christ's redemptive suffering. Nevertheless there is nothing wrong in trying to relieve someone's suffering as long as this does not interfere with other moral and religious duties. For example, it is permissible in the case of terminal illness to use pain killers which carry the risk of shortening life, so long as the intent is to relieve pain effectively rather than to cause death."

3. Euthanasia is "an action or omission which of itself or by intention causes death, in order that all suffering may in this way be eliminated." "[Euthanasia] is an attack on human life which no one has a right to make or request."

4. "Everyone has the duty to care for his or her own health and to seek necessary medical care from others, but this does not mean that all possible remedies must be used in all circumstances. One is not obliged to use 'extraordinary' means - that is, means which offer no reasonable hope of benefit or which involve excessive hardship.

5. No health care agent may be authorized to deny personal services which every patient can rightfully expect, such as appropriate food, water, bed rest, room temperature and hygiene.

6. The patient's condition, however, may affect the moral obligation of providing food and water when they are being administered artificially. Factors that must be weighed in making this judgment include: the patient's ability to assimilate the artificially provided nutrition and hydration, the imminence of death and the risks of the procedures for the patient. While medically-administered food and water pose unique questions, especially for patients who are permanently unconscious, decisions about these measures should be guided by a presumption in favor of their use. Food and water must never be withdrawn in order to cause death. They may be withdrawn if they offer no reasonable hope of maintaining life or if they pose excessive risks or burdens.

7. Life-sustaining treatment must be maintained for a pregnant patient if continued treatment may benefit her unborn child.

Such principles and guidelines from the Christian heritage may guide Catholics and others as they strive to make responsible health care decisions and execute health care proxies. They may also guide Catholic health care facilities and providers in deciding when to accept and when to refuse to honor an agent's decision.

CONSIDERATIONS FOR ALL PEOPLE FROM JEWISH TEACHING

Jewish tradition as understood by Conservative Judaism teaches that life is a blessing and a gift from God. Each human being is valued as created b'tselem elohim, in God's image. Whatever the level of our physical and mental abilities, whatever the extent of our dependence on others, each person has intrinsic dignity and value in God's eyes. Judaism values life and respects our bodies as the creation of God. We have the responsibility to care for ourselves and seek medical treatment needed for our recovery-we owe that to ourselves, to our loved ones, and to God.

In accordance with our tradition's respect for the life God has given us and its consequent bans on murder and suicide, Judaism rejects any form of active euthanasia ("mercy killing") or assisted suicide. Within these broad guidelines, decisions may be required about which treatment would best promote recovery and would offer the greatest benefit. Accordingly, each patient may face important choices concerning what mode of treatment he or she feels would be both beneficial and tolerable.

The breadth of the Conservative movement and its intellectual vitality have produced two differing positions put forward by Rabbis Avram Israel Reisner and Elliot N. Dorff, both approved by the Conservative movement's Committee on Jewish Law and Standards. Both positions agree on the value of life and the individual's responsibility to protect his or her life and seek healing. Both agree on a large area of autonomy in which a patient can make decisions about treatment when risk or uncertainty is involved. Both would allow terminally ill patients to rule out certain treatment options (such as those with significant side effects), to forgo mechanical life support, and to choose hospice care as a treatment option.

Nevertheless, important differences between the two positions may be found regarding both theoretical commitments and practical applications. Rabbi Reisner affirms the supreme value of protecting all life. Even the most difficult life and that of the shortest duration is yet God given, purposeful, and ours to nurture and protect. All nutrition, hydration, and medication should be provided whenever these are understood to be effective measures for sustaining life. Some medical interventions, however, do not sustain life so much as they prolong the dying process. These interventions are not required. The distinction may best be judged by our intent. We may choose to avoid treatments causing us fear or entailing risk or pain, in the interest of the remaining moments of life. We may not avoid treatment in an attempt to speed an escape into death.

Rabbi Dorff finds basis in Jewish law to grant greater latitude to the patient who wishes to reject life-sustaining measures. He sees a life under the siege of a terminal illness as an impaired life. In such a circumstance, a patient might be justified in deciding that a treatment that extends life without hope for cure would not benefit him or her, and may be forgone.

Both Rabbis Dorff and Reisner agree that advance directives should only be used to indicate preferences within the range allowed by Jewish law. They disagree as to what those acceptable ranges are. In completing a health care power of attorney and living will, it is recommended that you consult with your rabbi to discuss the values and norms of Jewish ethics and halakhah. You also may wish to talk with your physician to learn about the medical significance of your choices, in particular any decisions your physician feels are likely to be faced in light of your medical circumstances. You may find it helpful to discuss these concerns with family members.

CONCLUSION

In the end, the decision to execute a health care power of attorney and living will is a uniquely individual choice. Every person has their own set of principles by which they will live, and by which they will eventually pass on. When executing these documents, it is wise to examine how these documents assimilate into your worldview and religious beliefs. While the topic of death and dying is an uncomfortable one, you are well advised to discuss this decision with your family members, friends, and members and leaders of your religious community that you respect. Having done this, you can rest easy knowing that you have made a good decision with regard to your health care power of attorney and last will, and that your last wishes will be respected and undertaken.








South Carolina Trusts and Estates Blog
Greenville Estate Attorney


Monday, May 23, 2011

Tight jeans still Fit! Exercise challenge

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Sunday, May 22, 2011

Vaastu tips for health and financial crisis. mpg

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If you are facing barriers in its business, members of the family affects also for this reason, mental depression, aggression and to get a feeling about suicide. These problems may be due to vaastu error also. The primary reason for this problem is a north-easterly direction. The North-East direction-if the L-shape, trim, taper, or half-rounded. This person will face the above challenges. North-East it controls our nervous system. The solution to this problem is that you must install the nine pyramids. And it will be possible through the assistance of vaastu expert. There are two ways of worship in the vaastu. One is vaastu Puja and the other is vaastu shanti. People have a confusion about these two. Vaastu puja is for good luck and success. And Vaastu shanti is Vaastu for error corrective measures. South-East direction directly affects women and its health. Often face problems related to her health. The reason for this problem is to reduce or increase in the corner of South-eastern direction.

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Barack Obama health care Plan


Barack Obama's ambitious health care plan is fairly simple and straightforward. The plan seeks to drastically and quickly increase the number of people who have health insurance. Insists that this plan will save a typical American family of approximately 2,500 USD in annual costs. Because the average premium Ohio is less than the majority of other countries, savings to residents of Ohio can average less than 2 500 USD.

The Plan is designed to give the Federal Government more control over medical decisions, and dollars, the major difference from the current system of decentralised management and insurance based on State insurance regulation. Here in Ohio, health insurers effectively held in check by the Ohio Department of insurance. However, this is not in the case of many other countries.

Obama Plan

Many parts of the plan are initiatives of the Obama health plan Clinton from 1994 and Kerry health plan 2004.
Essentially, Obama health care plan is divided into three parts:

1. Modernizing the U.S. health care system to reduce costs and improve quality
2. to promote prevention and the strengthening of public health
3. Quality, portable health coverage and affordable for every person

"Savings"

$ 2,500 in savings will come from health care reform, using some of the following initiatives:

* Make medical insurance for universal, which may reduce spending on uncompensated care.
* To improve the management and prevention of chronic conditions.
* To increase competition and reduce the insurance industry insurance costs and profits.
* The provision of reinsurance to cover disasters, which will reduce insurance premiums.

Offset the burden of

Although all of these ideas are feasible, the basis seems to be simply to offset some of the burden of the private sector to Government. And of course, much more control over our health dollars and decisions will come from Washington, d. C, and no Anthem or UnitedHealthCare.

The Plan will actually compete directly with private insurance companies, United States ' National health insurance Exchange. " The Federal Government (not health insurance carriers) would be to define the quality of benefits, which will be Americans. And new rules that would apply to the new national health plan and all participating private health plans.

Preventive coatings could be emphasized

Obama's healthcare plan will encourage "healthy living" with particular emphasis on wellness. Wellness programs, the employer will be incremented, and canteens and vending machines in the workplace can see food healthier.

School health screening programs may increase with increased support for physical education.

United States persons and families, the Obama plan would require the benefits of prevention on the many programs supported by federally such as Medicare, Medicaid and SCHIP. One benefit may be possible to discounts on health insurance premiums for enrollment in wellness and prevention programs.

Now, some of the rules of individual health insurance Ohio offer a similar discount, such as's Anthem Lumenos health incentive account (HIA).

Ohio health insurance group

Employer health insurance would be radically changed in accordance with the plan Obama. Here in Ohio, both small and large employers will be able to choose from a variety of plans for their employees. Obama plan would force employers to offer a certain level of health benefits for their workers or pay a tax to finance the national health programme. Currently, the amount of benefits provided for health and the size of the tax has not been discussed.

Perhaps the best plan and the most cost-effective health insurance for residents of Ohio would be the concept already in place.HSAs (health savings accounts). Therefore, instead of imposing a Top-down change in health-care system, it seems reasonable to transfer the direct control of medical dollars to individuals and families. This would allow Americans to choose their own health plans and benefits, making health insurance companies compete directly for consumer dollars by providing real value for patients.

This can all be achieved by the special tax and regulatory changes designed to harness the power of competition of a free market. Health care expenditure may be reduced, preventive treatment may be emphasized and portability could be promoted. The reform of the health insurance tax and has registered employers to help their workers Buy health insurance could help a little.

Now the Ohio health insurance rates are extremely low compared to many other countries. There are many reputable insurance companies, which offer a wide range of policies, including health savings accounts. You should not change much over the next two years. In 2011, things may change ... and hope for the better.








For additional information on health insurance plans, United States, or immediate Ohio health insurance http://www.ohioquotes.comoffer visit

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Saturday, May 21, 2011

Health savings accounts, should be available for all Americans

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All Americans should have the right to save for current and future healthcare expenses with pre-tax dollars. Health Savings Accounts provide some Americans with precisely that opportunity, but it is too limited in its scope to benefit the majority of the US. I love the concept of Health Savings Accounts (HSA), if you're not familiar with them they are savings accounts in which money can be put away for future medical expenses on a pre-tax basis. In order to be eligible for an HSA you must be covered under a qualifying high deductible health insurance plan (HDHP). These are health insurance policies that typically cost less because they require their holders pay a high deductible (typically greater than $1000 annually). Unfortunately, the eligibility requirement to participate in a health savings account precludes the majority of the population from receiving a privilege that should be as basic as saving for one's own retirement.

In a recent response from my Congressman, he suggested I consider using a sister product, the Flexible Spending Account (FSA). Although beneficial, the benefits of an FSA fall short of the benefits in an HSA; primarily because the balance of unused money in an FSA expires annually where an HSA rolls over from year to year. This is a monumental difference. With an HSA I have a means to cover current and future medical expenses which can accumulate to a retirement vehicle which becomes available for any purpose at age 65.  The rollover benefit becomes an even greater benefit when you consider the funds in Health Savings Account are eligible to pay the premiums on Cobra. Contributing to an HSA provides financial resources to use should one lose their job. Americans can use their HSA to pay the necessary 102% of their health premiums through COBRA or they may roll the money into a less expensive high deductible health plan (HDHP) with the resources to meet the high deductible.

Let's look at a couple of case studies.

Dick and Jane

Dick and Jane are engaged. Jane has been submitting $2600 into and HSA for the past five years. During that time she has only consumed $1600 in health care costs that means Jane has been able to build up a health nest egg of $11,400. After they are married Dick begins carrying Jane as a dependent on his health care plan which does not qualify as a high deductible health care plan. Under current laws, Jane would be forced to discontinue contributing to her HSA, but it if all Americans were eligible for this savings incentive she wouldn't have that problem. Instead they could increase their contribution $5,150. After a year, Dick may lose his job, but the family has been able to save $16,550. Their healthcare nest egg provides Dick and Jane with additional options. They may select to continue their current coverage through COBRA or they can select an alternate health care option. If COBRA were to cost $400 a month they can utilize their HSA funds. With these funds they would have the means of paying for coverage for 41 months. They could also choose to purchase independent health coverage. Their $16,550 nest egg minimizes their risk on a high deductible healthcare plan. They could conceivable absorb a $10,000 deductible and reduce their monthly payment to about $200, or half the cost of their cobra payment.

Scott and Laura

In the scenario of Scott and Laura, Scott is a severe asthmatic. His condition leads to a hospital stay about once a year costing about $3000. He must also have continuing medication at a monthly cost of $112. Scott and Laura are both on her employer's group health plan. They pay $112/month with a $500 deductible and a 20% coinsurance. Their annual healthcare responsibility is approximately $2610 with insurance or approximately $4340 without insurance. Their insurance saves them approximately $1700 annually from paying full price on their medical care. Their FSA saves them about 20% (their tax bracket) on their prescription charges. Because Scott and Laura will lose the money in the FSA if they don't spend it by the end of the year, they only save the cost of Scott's prescriptions. Now, if Laura loses her job their healthcare future becomes much less secure because Laura's plan was not HSA eligible, they do not any residual savings from their health care expenses nor were they granted guaranteed tax savings from their medical expenses. If they keep the medical insurance they clearly need through COBRA they now need to pay $400/month. These annual premiums total $4000 alone meaning that Scott and Laura only save about $340 a year by having health insurance. This does not include the cost of any of the co pays. Keeping the insurance could increase their medical expenses to about $6000 a year or $550/month at a time when the family income has been reduced. Scott and Laura have a very difficult choice to make in regards to their healthcare. Should they continue with coverage or should they let the family health insurance lapse?

Had they been able to contribute to an HSA, their scenario may have looked a little different. Scott and Laura would still have the same policy but chose to contribute the maximum allowable to their HSA. From the $5150 they withdrew $2610 for healthcare expenses leaving $2540 to accumulate over for the next year. Over the course of 5 years they have accumulated $12700 in the HSA. If Laura loses her job their options look much more promising. They can more easily absorb costs of COBRA and provide for the costs of their existing coverage for their entire 18 month term of eligibility. By making wise decisions in time of plenty, Scott and Laura would be able to prevent financial devastation or public dependence in the future and still provide the means to maintain their health needs. All health consumers should have the option to participate in an HSA and receive the corresponding tax benefits. The opportunity to participate in an HSA should not be tied to a high deductible health insurance plan. As it is written an HDHP with an HSA discriminates against most Americans, namely, consumers whose employers don't offer a qualified high deductible healthcare plan and those who may have regular health needs which require a more generous health plan including young families who may need maternity or well child care.

Ironically, those ineligible to participate are doubly discriminated against. Not only do they lose the opportunity to financially prepare for the future healthcare needs, but it actually results in having higher healthcare costs. Here's how:

1. High deductible health care plans often attract the healthiest segment of society, and when you remove the healthy consumers from the general insurance pool, rates rise to cover the lost revenue and higher payout per consumer.

2. Non participants must pay deductibles and uncovered health care from post tax dollars or they must try to forecast their annual health expenses through a flexible spending account (FSA). If they underestimate, they are again paying for expenses with post-tax dollars and if they overestimate they lose the unspent balance.

3. Individuals who have continuing healthcare needs are at the mercy of their employer for continued coverage. The loss of employment often means the loss of health care and can bring great personal risk and financial hardship.

By eliminating the requirement that an individual have a HDHP plan, you open the door for many more participants. These are people who need to hedge against risk in their health and financial well-being. When you allow people to pay their insurance premiums with their HSA, you grant them a means of planning for their health future, without discriminating based on their health care needs. Nationally, you increase the savings rate, sending more money into banks, and driving down your uninsured among the unemployed. Fewer people are dependent on government healthcare subsidies because they were able to plan during times of plenty. You open a door for increased retirement savings and, by giving people access to their funds when healthcare is needed, you limit some of the draw on government resources because they don't end up on state sponsored plans.

All Americans should have the right to save for current and future healthcare expenses with pre-tax dollars.








Marla Finnigan is a health insurance broker who seeks to further the availability of healthcare within the United States. She would like to see coverage become more affordable, individuals more informed, and to maintain the United States' position as the lead innovator in health related advancements. She has a BA in English Literature from the University of Arizona and an MBA from Brigham Young University.


Friday, May 20, 2011

Health care reform Open-a brief history of health care reforms in the UNITED STATES


Is health care reform's new?

As someone who is very interested in the progress of the reform of health care as a taxable person, consumers of private health insurance and services, as well as professional and have been trying to follow the current health reform debate. I'm getting a little frustrated with the lack of progress on both sides of the aisle as well as by certain undesirable knee jerk by politicians and their groupies. Would you think that the current administration, and his political opponents, was only invented the reform of the health or sound cries of outrage against him.

I decided to do my best to outline some of the most important health reform attempts, failures and progress in the past 100 years or so. I'm not a professional historian, by any means, so some may feel as if the omitted important things or took their context. I'm trying to be balanced, but take all the blame if something is important and neglected.

Teddy Roosevelt in 1910 's

Teddy Roosevelt ran on the platform very progressive at the beginning of last century. His campaign promises to protect the safety of workers, 1912 enabled for working women the right to vote and a national programme of health care. By the way, he was President of the United States, from 1901-1909. But was defeated in the election of 1912, Woodrow Wilson. It is interesting to note that this Roosevelt was a Republic. Wilson was a Democrat. Never assume that American policies are set in stone.

Early models of the current health insurance and the Cries of socialism

In 1929 a pre-paid plan for large field for teacher Union came Baylor Hospital in Dallas, Texas. This is considered to be one of the first models of health insurance. Now here is the irony. A few years later, Dr. Oklahoma created an Association of farmers of the pre-paid plan. Members of the Association would be paid to the plan, and then to get services covered. The American Medical Association called This physician plan of socialism!

Despite this pre-paid plans for hospital and physician continued popularity around the UNITED STATES. However, they generally abandoned the unemployed and the elderly.

New Deal in the

Another Roosevelt, FDR, he wanted to also implement national health reform. He wanted to include it as part of the social security legislation. That did not work, but even Truman wanted the National Fund. for health care. Figured it everybody may pay in, how can we do for social security, and then you can make sure that people are the most serious health needs have been met. All this is left to new, and the AMA continued to criticize it as socialism.

After World War II

Until the end of World War II became much more obvious that it was a large difference between the cost of health care and what people can afford the mos. Congress passes a bill for the construction of hospitals, many more. They also required hospitals Charity care. They had a clause to prohibit discrimination on the basis of race, religion, etc. But allow separate but equal care, which has not always led to the provision of care equal for all.

In the 1950s labor unions began to add health benefits of collective bargaining agreements. It is really formed the basis for group health insurance, many people use in work today. So the group health plans became more popular, and in 1954, Congress voted to exempt from tax benefits.

1960

JFK heavily fought for national health care, but again met with Cries of socialism. But Medicare and Medicaid, treated as an American institution now uses anyway. Medicare is a U.S. national plan for human health of seniors and the disabled. Medicaid is a national health plan is very poor.

Despite the fact that millions of Americans have heath insurance coverage for the first time, in the 1960s healthcare expenditure and costs were starting growth.

1970 By-Nixon and Carter

President Nixon, a Republican, he worked for health reform. Proposed Bill, which would require employers to provide coverage of minimum health insurance. Under his administration the money has been allocated for the development of HMOs and managed care contain costs.

Carter ran for President, and the national health care has been a large part of his campaign platform. Although he won, hold a serious recession put those plans on.

1980 and COBRA

COBRA is a national law, require the employer to extend health benefits for some groups of employees completed over several months.

1990 and Clintons

Probably the most well-known previous attempt to drastically reform the health care was Clinton. Spear Hillary Clinton, then first lady, headed to this work. Probably will not be surprised to learn that political critics Pan enthralled in call it socialism. Experts argue that the plan failed due to partisan politics on both sides. Drug and insurance companies and the American Medical Association (AMA) spent a lot of time and money getting the Act of security health beat.

CHIPS- I cannot leave the 1990 without exchanging TOKENS. This is the State and Federal health insurance program for children, which includes millions of children from lower income families and moderate.

21st century health reform

I have to credit to George Bush, a Republican, with passing Medicare prescription plan in 2003. It is also known as Medicare Part D, and helps Fund prescription insurance for Medicare beneficiaries.

Obama ran on a platform, included the reform of the health. It seems like it is as difficult to transfer now as it was during this time, Teddy Roosevelt, FDR, Truman and Bill Clinton. Politicians still brings bid behind closed doors, and of course people are still shouting socialism.

But some things have changed. AMA supports health reform now. Many companies are concerned about the spiking costs including employees and representatives have been allowed to see certain reforms that would help them to. Even insurance have said they will cooperate.

Hopefully we see some progress. I have no idea what will be or should be able to continue.








What's next?

For more information about how to the reform of the health care in the United States.

Also stop individual health insurance quotes.


Fitness Tips: how to use the heart rate Monitor?

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Monitor, heart rate can consist of a watch and the band, which is located directly below the chest. Learn how to use the water to help with the electric shocks, when you use the heart monitor with the help of a professional personal trainer in this free video on heart rate monitors. Expert: David Dubail www.elitemiamipersonaltraining.com Contact: Bio: David Dubail is a professional personal trainer and owner Dubail Fitness Institute in Miami, Florida Director: Paul Müller

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Thursday, May 19, 2011

Digital Blood Pressure and Heart Rate Monitor - User Guidelines

How to get the most out of your digital blood pressure and heart rate monitor for managing and improving cardiovascular health and fitness.


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Health reform has a history of failure

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Health care reform is on everyone's mind.   It's an idea, they say, whose time has come. The cost of health insurance is out of control. 40 plus million Americans cannot afford or cannot qualify for health insurance.

But health care reform has been here before.  Actually, about every 15 years there is a push for reforming health care in America.   It started way back in 1912 when Theodore Roosevelt's Bull Moose Party  introduced a platform calling for national health insurance for industry.

In 1934 as part of the New Deal, Franklin Roosevelt considered proposing universal health coverage as part of the Social Security Act.  Presidents as diverse as Truman, Carter, Ford, George H.W. Bush and Clinton have all introduced various proposals for health care reform.  Universal health coverage is always the stated goal.  All the proposals put forth by all these administrations, dating back to the early 1900's  have only thing in common-failure.

In 1943 President Truman proposed a single insurance plan that would cover all Americans.  His plan allowed for public subsidies for the poor.  This universal, comprehensive plan was to be run as part of Social Security.  But  Truman was faced with an economy that was transitioning from a war time economy  to a peace time economy.   For a time Truman lost the confidence of the general public.  Republicans gained control of both houses of Congress in 1946 and branded Truman as a lame duck. 

But Truman campaigned in 1948 on a promise to extend the New Deal and specifically targeted Congressional Republicans who has opposed national health insurance.  Truman defeated these Republicans and seemed to have a mandate from the people to implement national health insurance.  But despite having a Congress that had a Democratic majority,  Truman could not pass his health reform plan. His plan failed because powerful Southern Democrats, all of whom held key leadership positions in Congress, feared that federal involvement in health care would lead to desegregation of hospitals that still separated patients by race.

Labor unions also played a part in the defeat of Truman's plan. The AFL-CIO supported the plan for universal coverage as did the UAW.  But then, the UAW negotiated a deal with General Motors that included payment by GM of health insurance and pensions.   Unions then believed that they could negotiate better benefits for their members than they could get under a federal universal health plan and they abandoned their support of universal care. 

The AMA also opposed the Truman plan but they based their opposition on the unpopular concept of socialized medicine.  As anti-communist sentiment rose,  the public support for universal health care declined.   Most large associations including the Chamber of Commerce, the ABA and the American Hospital Association supported the concept of voluntary and private health insurance.  This was also the position favored by most of the nation's media.

Universal health insurance failed again in 1950.  By that time the employer sponsored plans were deeply entrenched as an employee benefit.  This was the time that insurance companies began to experience rate premiums.  The result of this new rating system was that older, sicker people found it harder to get affordable coverage. In 1960 Congress passed the Kerr-Mills Act. This Act provided federal funds to the states to cover the health costs of the elderly who were too poor to afford health insurance.  But this Act, with all its well meaning hope, failed completely because by 1963, only 28 states had agreed to participate and even those states did not budget correctly to support the plan.  This Act became the precursor to Medicare and Medicaid.

From 1970 through 1976 more competing plans were proposed  But compromises came and went and no significant bill ever reached the House floor because of lack of Committee consensus.   President Ford withdrew his attempt at universal health reform fearing that  it would make inflation worse.  President Carter campaigned on the promise of a comprehensive national health plan but once elected shifted his priorities to cost containment, specifically hospital cost control, and told the American people that national health insurance would have to wait until the economy was stronger.

About that time, Senator Edward Kennedy introduced a new proposal which called for private health insurance companies to compete for customers. The private plans would sell an insurance card to be used for hospital and physician care.  The cost of the card would depend on income and employers would be expected to cover the majority of the cost for their employees.  The federal government would pick up the cost of the card for the poor.  Neither the Carter nor the Kennedy  proposal made it through the Congress.

The Clinton plan also supported universal health insurance through the enforcement of individual and employer mandates.  The government would control the competition between private insurance companies  The Health Care Task Force, chaired by Hillary Clinton when she was first lady,  gave President Clinton a complex plan in September 1993.  Despite a Democratic Congress,  the size and complexity of the plan slowed its progress through Congress and lost the interest of the general population.

Now in 2009, another administration is proposing health care reform. The White House has created the Office on Health Care Reform. Members of Congress are polishing up their own creations for solving this problem. The administration believes that popular opinion will compel our elected officials to end what might be considered a national embarrassment of having millions of American unable to afford or have access to quality health insurance. But as far back as the 1930's, public support quickly began to fail as the insured were advised that the goal would only be achieved if they contributed more to the cost, either directly or through some added taxes.

The United States spends twice as much per capita as the average of the 10 next richest countries in the world.  Yet, despite this expenditure, 1 out of 6 Americans under the age of 65 are uninsured and/or individually uninsurable.

One of the problems facing reform is that the 80% or so of American who have health insurance are generally happy with the care they receive. They like their doctors and the freedom to make their own choices when it comes to doctors and hospitals. Most think they already pay too much for health insurance. Most believe, and there is evidence to support this belief, that the red tape and the administrative expenses of their health insurance plan are part of the reason their cost has increased. Why can't someone fix that, they wonder?

The insured fear change.  Any proposal that threatens their current insurance arrangement will be regarded with deep suspicion. Everyone is aware of the power of special interest groups.  Our political system is set up in such a way as to frustrate action on any large and socially controversial idea.  Congressional committees wield enormous power. The interest of each state in controlling its own health insurance programs can, in itself, bring down the whole idea of reform.

We have had some success in improving access to health care for million through some of the Children's Health Insurance Programs. But note that most of the  programs to cover uninsured children are state based.

We seem to be unable to learn from past mistakes or take advantage of the concepts that actually have worked.  Anyone who has done even a cursory study of history should realize that we have been here before.

Yes health reform is back again. What will happen this time? Stay tuned.








Sheila Guilloton is the owner of Prestige Planners, a health specialty agency placing health and dental insurance for business and individuals. Licensed with all the major carriers, she counsels and advises clients on how to select the most appropriate coverage.


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Tuesday, May 17, 2011

Health care Plan


Our administration and representatives are negotiating terms for the takeover of our health care system, believing that it is too expensive and will cripple our economy, if the costs are not controlled.  The human factor is the claim to cover persons who do not have insurance, so you will have access to the best money can buy care.

Rather than Plow the ground, which became the owner by writers gifted more than I, my focus is to provide health care for uninsured citizens.  If this is a national priority, let's not destroy the health care system, which stands between us and the grim reaper in the process.

As a former Commissioner of the County had responsibility for overseeing and financing the health of the County.  This instrument care provided basic services to the many who cannot afford (or you chose not to pay for) access to private care.

County Health departments exist throughout the nation, quietly working for the benefit of the citizens of the poorest of society.  Free or reduced prices, health care is already is provided depending on Your ability to pay.

The current discussion is about building a new bureaucracy and limit access to health for all.  Why not increase funding for health care professionals around the nation County?

Instead, the charitable added benefits, uninsured only may be treated in hospital emergency rooms after hours, and only when required to hospitalization.  Hospitals can bill any County Department of health services provided, after the price of the lowest network of the negotiating group.  Hospital emergency rooms no longer will have to accept everyone who walked in the door.

Funding should be allocated by population on numerical grounds and disbursed to each congressional district.  The Government of the Federal role would be at this point.  Each congressional district should have a local Board, consisting of one Commissioner from each county.

These district boards will be responsible for the distribution of funds in each County Department of health to the best effect on their territory.  County Health departments will have to develop to enhance services, but continue to provide services of primary health care for citizens uninsured or the poorest.

To access these services, citizens will have to:

Proof of citizenship (we provide free health care to THE WORLD?)
File a copy of the last year 1040 (verify)
Be resident (avoids shopping location)
The development of other local regulations to be sensitive to the local voter wishes.

To increase the share of insurance, let people deduct insurance premiums to $ 3,600 per piece of domestic animals of the bovine species and the remaining $ on their federal taxes.  Let the companies deduct benefits insurance according to the same schedule.

Require insurance companies to accept citizens with pre-existing conditions.  This would have two warnings:

90-day period of exclusion if the condition has not been covered by previous rules insured person, or if you do not have insurance.
Citizens would not be able to "insurance shop" for better demand for pre-existing conditions.  Previous coverage would apply to 90 days on any pre-existing condition.

In return for the public offering of such advantage healthcare became the responsibility of everyone.  If society is to provide care "free" for the poorest citizens, those who can afford health insurance must be obliged to:

The purchase of basic insurance on the open market, or
Pay insurance payments on their Federal income tax refund 25% of the available maximum health insurance deduction for those who Buy insurance.

With this plan we can perform several reforms of the health beneficial objectives and avoid some of the worst results.

The costs are clearly stated in the budget of the federal transfer to Yakovlev for health care.
Health care for citizens, we cannot stop.
We can eliminate the cost of moving on insurance premiums.
Health care benefits is limited to the county health departments and primary health care.

This benefit is not intended to grant access to "Best care money can buy" for all users, but to put in place safety net under our poorest citizens, until the return to their feet can afford health care would be provided for, and benefits for members of their families.

Some may have concern with the exception of the citizens in our coverage by the taxpayers of the nation.  If you are not a citizen of the Old medical assistance Health Department or county hospital, must first sign the document "Agreement on deportation".

After being treated, they will be immediately deported by the Sheriff of a County.  Will County Health Department Fund most transport to the hospital in their country of origin.

Several points of general it should be noted the importance of:

Health care is expensive because of the Government extending to new diseases: i.e.: alcoholism, mental illness.
Health care is expensive because of tort lawyers.
Health insurance is expensive because of the low deductibles.
These three issues will slowly increase in health care costs. Delete not taxable persons from the health care system, eliminating moving costs, lowering health care costs for everyone.

Medicare and Medicaid should be required to pay the lowest price negotiated network services.  This further reduces the cost of moving, which currently distort the market.  It also determines the reimbursement at the rate of cost of localized, rather than the standard universal.  Take the power from the Government to promise more and pay less by force.

Side note:

If The Oh! Bama-success in obtaining a public option for health insurance; This must be an autonomous agency without any support from taxpayers.  Wouldn't it be fun to see the reality of trying to compete with private insurance companies?  I always when politicians say the Government must "Keep insurance companies honest."

Government grants should be equal to the "contributions" does not take away from citizens.  In other words, the only contributions could be subsidized by the Government.  Option of public (Government bureaucracy) would not legislation, which tilted the playing field for them to compete.  They would have to negotiate fees with providers of health care, as well as all others.  They do not pay enough, select suppliers do business with them.  With absolute walls to legislation or money this Charade would be over soon and we can return to the free market.








John Dalt writes information to the stock exchange daily investors online. His MarketToday (e) a letter is sent to subscribers of the galtstock. You can save http://www.galtstock.comon


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