Will the GOP Wave be enough to Wash out Health Care Reform?

September 27th, 2011

You had to be hiding under a rock not to see it coming: The huge wave of smaller-government sentiment that crashed down on the Washington establishment has been building for a long time, picking up steam with each passage of legislation that expanded government’s encroachment into the lives of the American people.Central to all of this has been the controversy surrounding health care reform.

How Will Health Care Reform Be Affected by a Republican Majority?

The question that has surfaced even before the votes were counted is whether the new Republican led House will act on its threat to force the repeal or defunding of health care reform. Tea Party backed Republicans have declared their election to Congress as a mandate by the electorate to take immediate steps to repeal or substantially change the Act.

Demoralized Democrats fight to Uphold Health Care Reform

The demoralized Democrats, including the Administration, have a more tempered view that sees the election results as the public’s insistence that there be less partisanship Congress and more cooperation between the Administration and Republicans on policies needed to get the economy moving again. The reality may lie somewhere in between, but that is not going to slow the efforts of the new Republican leadership to press forward on the dismantling of health care reform.

Can the GOP Actually End Health Reform?

The basic math would say no. While the Republican-led House can pass legislation to repeal, the Senate, where the Democrats will hold a 53 to 47 edge, is less likely to muster the votes to pass similar legislation. Even if the a few embattled Senate Democrats were lured over to the Republican side, there would not be enough of the 66 votes required to overcome a Presidential veto. Most political observers agree that such an effort would not have a chance of success until 2012 with a change of parties in the White House.

This is not likely to dissuade the new Tea Party infused blood in the House as even the Republicans have been put on notice that the electorate expects action quickly and often on reigning in government and spending. We can expect “dead-end” repeal legislation to be introduced and passed soon after the new session begins. And, as quickly as it dies, another piece of legislation will take its place.

The more feasible track will be the defunding effort that will take place as components of the Act are brought up for implementation funding. The House can simply hold up funding by refusing appropriations or tying things up in committee hearings. While this is a slower process, it can also inflict a lot more pain by drawing out all of the Act’s flaws holding them up to public scrutiny, which never really occurred during its backdoor passage.

We can also expect many committee hearings and investigations, led by new Republican leadership, to delve into the process by which the bill was passed as well as the constitutionality of the bureaucratic mechanisms that have been created to implement and enforce the Act.

In the end, the Affordable Health Care Act may not be repealed during this current session of Congress, but it will be starved, scrutinized and assaulted in such a way that it will remain as a political ball and hammer for pro-reform candidates in the next election.

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Affordable Health Insurance for Families

September 26th, 2011

If you have not purchased affordable health insurance plans for families, it’s high time that you get yourself acquainted with the various policies. Affordable health insurance plans for families do exist and they don’t necessarily cost as much as you might think, contrary to several misconceptions.

Premiums

You may think that having to pay a premium every month is a waste of money as there is no visible returns. However, as unwilling as we are to face the fact, we are not immune to accidents and illnesses. While we certainly hope that we won’t have the chance to rely on insurance coverage, they could be a great help to relieve financial burden of medical fees if crises do occur.

Deductibles

When purchasing family health insurance, it is crucial to fully understand the type of deductibles that apply to the policy. Some policies have separate deductibles for doctor visits and surgical procedures. The rest have deductibles based on a per visit basis. These can create confusion to the buyer and you ought to seek clarification with your insurance agent to avoid any misunderstanding and conflict when there are claims to be made.

Affordable Family Health Insurance

Use an Agent

Usually, your agent can tailor the family health insurance to your needs and budget. There are different kinds of hospitalization coverage that can be included in the package along with medical and outpatient services. It is best to discuss with your agent to ensure a comprehensive insurance plan is created to cover most, if not all aspects.

Travel Overseas

An often neglected aspect of coverage buyers will take note of is whether coverage exists if the family travel overseas. Different insurance companies have different policies regarding this issue so do your research carefully. Having a comprehensive insurance plan allows you and your family to have a peace of mind knowing that they have got themselves covered if anything happens.

Negotiate

The topic of premium rates is usually a sensitive discussion. Besides trying to negotiate for an affordable premium rate, it will be ideal for families to actively participate in activities that can help themselves earn health credits to offset premium costs. This is a win-win situation for both parties. Insurance companies raise awareness of the importance of healthy lifestyle among the policy holders in the hope of reducing costs, while policy holders get to enjoy a rebate off their premiums.

 

 

Finding Health Insurance For Young Adults

September 21st, 2011

So the time has finally come. You are moving out of your parent’s house and are going to be on your own. You have a lot to do and a lot of responsibilities to take on. It’s not enough to get a job and find a place to live, you have other things you haven’t thought about yet. For one, how to obtain health insurance when you first move out of your parents house.

So how do you find good health insurance now that you are on your own? If you have a job, this could be one way the get health insurance. Most employers will carry some kind of health insurance for their employees. These plans will vary depending on your employer, but for the most part, they do a good job of covering most of what you need. Should you need additional health insurance for anything more specific like cancer or serious injury, then you can purchase that separately.

If your employer doesn’t provide insurance then you will need to find health insurance on your own. The best way to do this is to do your research and shop around for a “custom fit” that is right for you. Insurances vary tremendously in the types of plans they have. If you aren’t sure what to look for, consider the following tips.

Roland Moving Back-7

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Audit Yourself

Are you a sickly person? Do you go to the doctor a lot and visit the emergency room from time to time? You may want to choose an insurance where you may pay a slightly higher premium, but will give you lower co-pays and low total out-of-pocket expenses. If you are generally healthy then you might enjoy paying a lower premium and save some money for seldom using any health services.

Live a Healthy Lifestyle

Avoid tobacco and alcohol and exercise regularly. This will give you many options for a good health insurance plan. Doing this also saves you a lot of money.

2011 You Go Girl Half Marathon - Finish Line
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Top 10 Reasons to Have Health Insurance

September 18th, 2011

Although a good chunk of the population is convinced that having health insurance is smart, some people stay may ponder how important it really is. For those who are contemplating health insurance, or already have it but think it’s worthless, below are the top 10 reasons to have health insurance.

Medical Care is Expensive:
Although even uninsured patients will receive care when sitting an emergency room, when it comes to surgery and or physical therapy, sometimes patients can be turned away without proof of insurance.

Medical Care is Expensive
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Before It’s Too Late:
If you are uninsured and diagnosed with a serious medical condition or disease, finding a health insurance company will be much more difficult, not to mention more expensive.

Before It's Too Late
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Options:
All hospitals accept insured patients, but not all accept uninsured patients. Having health insurance gives you more choices.

Options
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Top Priority:
Often, patients with health insurance are put at the top of the list when it comes to surgery, care, etc. The hospital knows that those patients will pay, meaning that they’re more eager to provide care.

Top Priority
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Keeping Your Home:
Uninsured individuals who don’t pay their bills may be at risk of losing their homes as hospitals can place a lien on property.

Keeping Your Home
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Worry Free:
There’s no point in worrying that something will happen and you’ll be unable to pay medical bills. Health insurance takes the worry away, you can sleep well at night knowing that if something were to happen, you’d be covered.

Worry Free
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Your Family:
Think about what would happen to your family if you were sick and unable to medical bills. Would that put them in harm’s way financially?

Your Family
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Requirements:
Some colleges, jobs, and other institutions may require you to show proof of health insurance.

Requirements
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Better Advice:
With health insurance, you can rest assured that any advice you receive from doctors and other health care professionals will be good and not jaded due to your lack of finances.

Better Advice
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You Have a Better Chance of Living:
Your chances of survival from a serious accident or sickness are better if you have health insurance as you’ll receive better care.

You Have a Better Chance of Living
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These are only the top 10 reasons to have health insurance and there are numerous other reasons. Why put yourself at risk without it?

Poverty and Health Care

September 16th, 2011

In today’s economy thousands of people are for the first time feeling the effects of having no health insurance and no way to pay for basic health care. Regular medical check-ups are essential to maintain good health. Getting medical and dental exams helps identify problems early. If there is an issue that needs to be treated, especially life threatening conditions like cancer, early detection is the best protection. Unfortunately those who live in poverty often cannot get the most basic health care. Poverty and healthcare don’t mix well in a society where anyone who goes to a doctor’s office is told to pay first or show an insurance card before getting past the receptionist.

Lack of Health Care

The issue of poverty and health care reaches deep. Families with small children, recent high school or college graduates and others are competing for the few jobs that have decent health insurance. Add to that the fact that many companies are hiring only part-time employees or temporary workers. These positions usually come with limited or no benefits. If health insurance is available, it takes a big chunk of an employee’s take-home pay. This discourages these workers for signing up for insurance. The problem with poverty and health care is that when a health issue is not addressed before it gets serious, it will eventually have to be addressed. At this point treatment may be much more expensive. Usually an individual will receive some type of care, and when he or she cannot pay, someone else will. People who have health insurance may see spikes in their premiums and more tax money is needed to pay for indigent persons.Blue Piggy Bank WIth Coins

Financial Hard Times

Those who are in the poverty and health care trap need a workable solution. Many people fall on financial hard times through not fault of their own. Layoffs, personal or family illness, death of a spouse, or divorce are all situations that can cast some into the pool of uninsured or under insured persons who have little resources to take care of their health. There are solutions that will address the issue. Health education classes that teach people how to eat well and engage in other healthy behaviors can go along way in preventing disease and disability. Health education is a low-cost way to help people stay healthy. Regular check-ups that help people identify health problems before costly treatment is necessary is another way to avoid serious illness. Low-cost or free screenings can help identify problems when they are easier and less costly to treat.

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Funding Received For MS Stem Cell Trials

September 4th, 2011

Scientists in the United Kingdom are preparing for work on important international trials to determine the effectiveness as well as the safety of using stem cells to halt, slow or reverse spinal cord and brain damage in individuals suffering from multiple sclerosis. This work is possible thanks to £1 million awarded by the UK Stem Cell Foundation and the MS Society.

A great number of scientists feel this unprecedented international collaboration will dramatically lessen the timetable for determining if stem cells are an effective and safe way to treat multiple sclerosis.

The MS Society released a statement on July 29, stating that the funding is for three studies within the international trials conducted during these UK studies. One will investigate the effects of using autologous mesenchymal stem cells as a type of immunotherapy to inhibit and possibly reverse neurological decline in relapse remitting multiple sclerosis.

Red geranium petal cells

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A collaborative phase two study, the trial will encompass one hundred fifty to two hundred patients with multiple sclerosis from all around the world, including the United States, Italy, Canada as well as the UK. Dr. Paolo Muraro of Imperial College London will act as the study leader for the trial, which will be held in Edinburgh and London in the United Kingdom.

Along with his colleagues, Dr. Muraro is going to collect bone marrow stem cells from thirteen different multiple sclerosis patients. Then, the stem cells will be grown in the lab and injected back into the same thirteen patients. To sum it up, the patients are going to be receiving a huge boost of their own stem cells.

Scientists conducting these trials have hope that the stem cells will travel up to the patient’s brain where it will begin to repair damage from multiple sclerosis. This even includes active lesions.

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Iraq Faces a Mental Health Epidemic

August 28th, 2011

Imagine if your house was damaged as a result of being bombed in a military war. Now imagine if your house was bombed three times within a matter of years. Or imagine seeing your family and neighbors lying wounded and dying in the street of your hometown. These are the sort of mental health issues that residents of Iraq have to learn to cope with everyday. The question then becomes “Is the country equipped to deal with an epidemic of people who are experiencing mental illness?”

Iraq’s mental health dilemma

Living Conditions in Iraq

According to Iraq’s psychiatric association, Iraq has a mere 100 psychiatrists that must provide mental health care for a population that borders on 30 million [see PDF from World Health Organization]. And, even though the war appears to be winding down, there are more and more citizens of Iraq seeking medical treatment for their mental health issues that are a direct result of the war. The reality is that Iraq’s ability to deal with the onslaught of mental health patients lacks greatly.

As a result of this gross imbalance, Iraqis are turning to self-medication as a means of coping with the trauma they have suffered. Prescription drug abuse is currently the number one substance abuse issue in Iraq, and it grows by the day.

Iraq’s mental health needs on the rise

The country’s largest mental health institution, Al-Rashad, has had an increase of 10 percent in the number of patients, and they’ve had to turn patients away. Al-Rashad is a government-funded facility, and is the only long-term mental health institution in Iraq.

As more and more citizens of Iraq search for help in dealing with their emotional and physical scars, it appears that the mental health community will struggle to find ways to help and accommodate them.

Doctors In Favor Of ObamaCare Repeal

August 25th, 2011
When the American Medical Association gave its support to President Obama’s new healthcare reform law, several Americans most likely assumed that the majority of doctors in the country also approved of the legislation. However, that simply is just not the case.You may be aware of Choose Freedom – Stop ObamaCare tour by The John Birch Society in fall of 2010, featuring doctors in opposition of the recent takeover of healthcare by the federal government. However, the doctors who participated in the tour are not the only ones who do not back the new legislation.

Also joining the fight is a number of other doctor groups, including groups that were created specifically in opposition to ObamaCare.
It seems that when Obama was promising that you would “get to keep your doctor” under the new healthcare law, he failed to talk with any practicing physicians. Recently, a survey revealed that a great number of doctors plan to respond to Obama’s healthcare reform by regulating the patients that they will treat.

Doctors In Favor Of ObamaCare Repeal

Out of the more than two thousand doctors and members of the American Medical Association asked their opinion on the new law by the Physicians Foundation, almost seventy percent say they are against it.

These people were also asked what measures they would take to cope with the new regulations, which will not be fully in effect for another three years. Sixty percent claim to be forced to “close or significantly restrict their practices to certain categories of patients.” In addition, fifty-nine percent said the time that they spend with their patients would also have to be drastically reduced.

The survey revealed that ninety-three percent of the doctors questioned would implement significant restrictions on Medicaid patients, while eighty-seven percent said the same about Medicare patients.

Overall, close to three quarters of the doctors participating in the survey said that they plan to make considerable changes in the way that they practice medicine.

 

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A Look at Department of Health Head Kathleen Sebelius

August 23rd, 2011

P1020318The torch of the state of the United States health care system has been passed, and it has been passed to Kansas Govenor Kathleen Sebelius. A Democrat, Sebelius was President Obama’s second choice for the position, and she received the call to duty after the first choice, Tom Dachle, withdrew his name after revelations about his sticky unpaid taxes. The nomination came during the first week of March in 2009, and Sebelius said it was a responsibility that she could not refuse. Who is this new face in Obama’s administration, and how will she go about tackling one of the largest crises facing our country right now?

Who is Kathleen Sebelius?

Barn - Clinton, Kansas

Sebelius was most recently the 44th Governor of the state of Kansas, and is only the state’s second female Governor. She has been in Kansas politics since 1986, when she was first elected to the Kansas House of Representatives. In 1994, she became the 1st Democrat in 10 years to win the position of state insurance commissioner. She’s no stranger to health insurance and health care issues either-she wouldn’t take any campaign contributions from insurers and blocked a proposed merger of Blue Cross Blue Shield of Kansas with an Indiana-based company. It was the first time in the corporation’s history that any attempts at acquisitions hadn’t been allowed. In 1995, Time magazine named her one of the five best governors in Americans, noting that she had successfully been able to eliminate the $1.1 million that she had inherited upon taking office, getting rid of waste in the state government and supporting public education. All of this was done without raising taxes.

What Health Issues Are at Hand?

Wrong Way Go BackFortunately for Sebelius, things can’t get much worse than they are right now. That probably isn’t much of a comfort to her though, as the task she’s facing is definitely a formidable one. With the health care and health insurance system struggling with people getting turned away left and right for insurance, and the sick not being able to afford the care they need, things are in dire need of a drastic makeover. President Obama has said that he plans to release $155 million out of the $787 billion economic stimulus package to support 126 new health centers to give people more access to primary and preventative health care services. Many people have been comparing the changes Obama is gearing up for in the health care industry to those attempted by the Clinton administration, but the key difference is this: the recession America is in has everyone calling for change, no matter how radical it may have seemed years ago. Time will only tell how Sebelius is able to handle the massive task that lies ahead, but putting money toward opening new care centers is a good start. A good question to ask is: Are these centers aimed at only serving those who currently carry health insurance, or will they just be public service centers in which all comers can receive proper medical and attention?

I certainly hope it’s the latter, because with many people continuing to lose jobs and unable to afford health insurance, the unemployed need all the support they can get.

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Down Economy Makes Health Care Reform Challenging

August 17th, 2011

The lingering recession has wreaked devastating havoc on the whole economy with many segments weakened beyond the capacity of most efforts to revive them.  The depressed economy has weighed heavily on one segment that was hoped to get better before it got any worse, and that is the heath care system.  Before there was any chance of the system moving a step forward after heath care reform, the recession has pushed it at least two steps back.

Census Bureau Sheds Light on Poverty Level and Health Insurance Coverage

With the wave of recent reports from the U.S. Census Bureau indicating an unprecedented  increase in the number of people living under the poverty level  and a stark increase in the number of people now covered by government health insurance, health care reform advocates are bracing for the worst.  Many of the changes that would enable the system to accommodate more Medicaid patients don’t even go into effect until 2014.

The cornerstone of the health care system, employer-based coverage, is shedding people from its insurance rolls faster than the government system can absorb them. Couple this with the fact that those who are uninsured continue to increase for people from households earning more than $50,000, as well as for foreign-born people, and the prospect for any quiet transition to the private insurance exchanges mandated under HCR is very poor.

Concerns about Costs and Discrimination Plague Health Insurance Reform

There are already concerns by many, on both sides of the issue, that the system, under health care reform, will be fraught with the problems of increasing costs and discriminatory restrictions. These issues, that are inherent in the system, will only be exacerbated as the economy continues to push more people into the ranks of the uninsured.

A reformed system that was envisioned as a solution to the inequities that plagued the poor and under-insured, is suddenly falling by the weight of an economy that is making the problem more widespread.  This could very well make the case for “repeal and replace,” especially if the current law isn’t revised to address the  obvious inadequacies of the new system.