Posts Tagged ‘health care reform’

Healthy NY: Doubts about Health Care

Monday, November 28th, 2011

obama healthcareThere are many citizens today that are beginning to doubt whether our health care system and health insurance system will ever be resolved. Who has the most concern regarding the new changes that are slowly seeping into our everyday lives? All American citizens are concerned with the new changes that are still developing through the instructions of the federal government. Empire Blue Cross healthy NY is only one of the many health insurance providers that are trying to comply with the mandatory changes that are infiltrating into our health insurance system.

When you consider the subtle battles that are ensuing, it is easy to understand why the various health insurance providers are struggling to make ends meet and continue to keep their subscribers satisfied. At the present time the different health insurance providers, including healthy NY insurance, is trying to balance a few main issues that have been at the forefront.

1. A financially sound Medicare system far into the future
2. Controllable medical health care costs
3. Reasonable pricing regarding prescription medication
4. The assurance of suitable, consistent health insurance coverage
It does seem to be amazing that now, all of a sudden we are experiencing so many problems with the medical health care delivery system and the high cost of health insurance.  Healthy New York is not alone in experiencing the amount of time that is spent with paperwork and other documentation. This is causing a delay with the amount of time it is taking to remit payments to medical physicians, community hospitals, and laboratories.

When you consider the constant increase in health insurance and the decrease in medical health care it is easy to understand that as a nation that is in the midst of a major crisis that will take some time to find the amicable solutions. Medical prescriptions that patients rely upon are experiencing a shortage and technology is fading into the distance at a time when both are in demand. The healthy NY program is trying to accommodate by searching for different ways to address the needs of the patients without causing alarm, but it becomes more difficult with the passage of time.

The most recent changes such as permitting children to remain on the family health insurance plan until the age of twenty-six, permitting all children with pre-existing medical health conditions to receive immediate health insurance coverage, and the increase in health insurance premiums is causing problems for the entire industry.

Pituitary Cancer and The use of Affordable Health Insurance

Monday, April 25th, 2011

pituitary  cancer

What is Pituitary Cancer?

Pituitary cancer is not as rare as what many in the population believe it to be. First of all, the pituitary gland is a very tiny gland located in the center of the brain just behind the nose. The three tissue types of the pituitary gland that can be affected are the Chromophobe Adenoma, the Basophil Adenoma, and the Eosinophil Adenoma. This is another issue that sends up red flags to the health insurance provider.

Most of the causes concerning pituitary cancer are from the inherited factor and now from any outside influences. Individuals diagnosed with a form of pituitary cancer and have an existing low cost health insurance will fare through the medical process for a time. Other individuals diagnosed with a form of pituitary cancer that are uninsured and even underinsured with have a difficult time trying to keep up with the various medical expenses. A few of the signs and symptoms related to pituitary cancer are:

The Signs and Symptoms

  1. Frontal lobe headaches, vision difficulties, possible personality changes
  2. Dementia, seizures, dizziness, nausea, vomiting
  3. Abnormal growth patterns, high blood pressure, temperature intolerance

Unlike decades ago when this was a difficult issue for the medical health care physician to diagnose, the MRI scan is now considered the diagnostic choice for accuracy and detailed information. The utilization of the MRI scan will offer the medical physician a complete detailed picture of the size and scope of the pituitary gland. It has the ability to differentiate between the healthy pituitary tissue and the unhealthy tissue, which is very helpful.

The affordable health insurance provider is privilege to the pertinent information through the claims submission process and gives rise to the possible cancellation of the insurance policy before the life of the insurance policy has run its annual course. This is a sad fact, but most individuals who are diagnosed with a form of cancer find they are in this position through no fault of their own.

When the insurance provider decides to offer the individual a renewal insurance policy, the individual will be surprised when viewing the new average monthly cost for health insurance. This is because the insurance provider has the prerogative to increase the annual policy by a substantial amount for having to pay out on the surgery, therapy, and medications.

What are the procedure to cure this disease?

Routine treatment that is accepted throughout the medical community includes the initial surgery, radiotherapy, and medication therapy that will last for a long time.  Medical attention paid to the medication therapy is very important to suppress the release of hormones while the therapy continues. Without the medication therapy there is a very good chance the pituitary cancer can repeat at a later time.

Unfortunately, for the individual, hormone therapy and certain necessary medications must continue for the life of the patient. The introduction of universal health care into the country may change a few methods and treatments performed by the medical physician, but make no mistake about this cancer. The prognosis is promising for most patients, but the threat of a repeat episode can occur when the medical physician’s instructions are not followed in the manner they are given. Once an individual is diagnosed, they must quickly understand this will be an issue they must pay attention to for the remainder of their life.

Internal Revenue Service Growing Power

Monday, April 11th, 2011

Affordable Health Insurance

Internal Revenue Service Growing Power

Does the Internal Revenue Service really need to continue to grown even larger than it is currently?  Well, the Internal Revenue Service is now the front agency that has the ability to determine if your personal choice of affordable health insurance policy is acceptable. When it is not acceptable you will receive a letter of request to search for a more in depth insurance policy that will cover those areas of concern that pertain to your health and that of your family members.

The Internal Revenue Service is also granted the power to deliver punishment to those citizens who refuse to purchase any health insurance policy because they believe there is no reason. The government will not take kindly to procrastinators and you will be fined under the tax code of the Internal Revenue Service laws. Every individual who chooses not to comply with federal law is also risking jail time for up to three months at a time for failure to purchase an insurance policy.

There is much discussion already from individuals who are planning to opt out as well as states who are filing lawsuits and states who filed lawsuits almost a year ago to fight what the health reform bill represents. You have to wonder what the quota is for the Internal Revenue Service to mandate jail time for failure to purchase an affordable health insurance policy.

So what are the process to be followed?

All large corporations and small businesses will be required to request permission from the Health Choices Administration before being granted any government subsidies for the purchase of medical insurance for all employees. There are pages of paper work to be filled out and submitted, and then the wait begins.

All large corporations and small businesses requiring government subsidy will need to include very sensitive and confidential information of each current employee before the request will be considered for subsidized group and individual health insurance. In essence, the Internal Revenue Service now is in charge of your financial situation and your health situation.

So what does the Internal Revenue Service do?

Under the guise of universal health care, the Internal Revenue Service is the overseer and can distribute all of your personal information to any agency requesting information. One of the predominant issues is with the Social Security Administration to give them the information to coerce individuals sixty-five years and older to enroll with the Medicare insurance plan.

Now there is something for all citizens to look forward to, right? The Social Security Administration is now being extended the pre-emptive power to advertise and coerce individuals into the affordable health insurance Plan they want you to have. How do you win?

Wellness Programs

Tuesday, April 5th, 2011

Overreaching Health Insurance Programs

Do you understand what the soon-to-be implemented wellness programs in many of the local larger corporations are and why they are being instituted? This is another part written into the pages of the health care reform bill that was passed in March 2010. This is a health bill that is being touted as a magnificent benefit to all citizens, but is this true. Is it possible there are other reasons the federal government has for wanting these wellness centers instituted so quickly before they even have the state health insurance exchanges in place?

These wellness programs are under the charge of your employer. This will give the employer new powers to institute over all their current employees under the guise of reporting to the Internal Revenue Service. Your employer now has the power over your activities whether you are on the premise during proper business hours or sitting at home with your family members.

Health Insurance:  Benefit Or Burden?

Since it is your employer who is paying for your insurance policy, does your employer now have the power to tell you what you can do and what you cannot to do. This is regardless of the fact that you are also having health insurance deductions through your paycheck to help pay for this insurance. What power does your employer now have over you other than your universal health care and perhaps your family members too?

Will this now translate that your employer is now responsible for your health around the clock no matter where you are or what you are doing. What ever happened to self-reliance, independence, and freedom? Are we now entering a new form of government that has control of every aspect of your life? What will happen to those individuals who refuse the insurance? What will be expected from you in exchange for your average monthly cost for health insurance being paid by your employer?

Well, you will be expected to participate in the wellness center where you can go to have your BMI measured. If you fail to meet the government guidelines, you will be placed on an exercise program and given a specific diet plan to follow. Your blood pressure will be checked regularly and when the government mandates specific inoculations for your protection of course, you will be expected to participate and accept the inoculation.

Health Insurance Demands

You will be given a designated period of time to conform to the low-cost health insurance issues that are written on your wellness chart. When you fail to show progress within the given amount of time allotted your salary will begin to see deductions for non-compliance. It will be interesting to learn how many employees decide to withdraw from the employer sponsored insurance program when they continue to be harassed on the job. However, that will mean that you will have to purchase your own personal affordable health insurance policy, deal with the Internal Revenue Service, and make the agreed monthly payments on time of course. The only other alternative you are left with is to forfeit all health insurance and accept the penalty tax fee when the Internal Revenue Service is alerted to the fact that you no longer have a health  care policy.

Health Care Reform and Senior Citizens

Monday, March 14th, 2011

Senior Need Quality Health Insurance

There are many individuals today that must report for regular dialysis or they will cease to exist. How sad that many of these individuals are under the scrutiny of the federal government because the federal government seems to be holding a grudge against our senior citizens, why? Could it be because the entire Medicare health insurance system is the most expensive department the government has to fund? There are many of our senior citizens along with other individuals who must report regularly for dialysis care treatments to help them remain healthy and pain-free a little longer.

Seniors, Brace Yourselves for Health Insurance Cuts

It really is a shame that our government does not see life for what it is. Some of our senior citizens do well throughout their entire lifetime, while others require assistance. The government today is developing a new focus and the goal is to eliminate the low-cost health insurance of Medicare and eliminate all the necessary treatments and functions that have helped our senior citizens to remain healthy longer. Ambulance service, diagnostic laboratories, transplants, durable medical equipment aids, ambulatory devices, and yes dialysis.

How sad that our government no longer values the lives of an entire population of citizens who require so little to remain healthy through their local health care services. Yes, our senior citizens are a target of the federal government and there will be tremendous cuts to the insurance system and the health system that is wrapped around our senior citizens. The generation who lived hard, played hard, worked hard, and fought hard to protect the country that they came to love and honor.

Where Can They Turn To For Their Health Insurance Needs?

Now this same country is turning its back on our senior citizens because they are overburdening the affordable health insurance system and the health system. Is this the legacy you want to teach your children, their grandson, and granddaughter? The problem is in part because the private sector insurance providers could never compete with any government-run insurance.

The federal government, until now, has always had an abundance of money at their disposal unlike the private sector insurance providers. Now there is no place for our senior citizens to turn for help, care, aid, and assistance to a quality of life. The medical united health care community has their hands tied because many of the treatments, rehabilitation centers, and expensive prescription medication and more is slowly disappearing from the outside market. Do we the people even have a chance to reverse all that is currently happening before this becomes more of a reality?

We currently have many medical health physicians closing their office doors and leaving the country to practice in freedom in another country. Other medical health physicians are refusing to accept any Medicare individual health insurance recipients into the office as a potential patient. Where in this country can our senior citizens go and receive the care, kindness, and attention they so deserve. We the people must bring back the health insurance services and all the medical health physicians for our citizens to be afforded the high level of care that we all deserve.

Changes are coming

Monday, December 27th, 2010

Expect an Increase in Your Health Insurance

Beginning January 1, 2011 the first initial round of health care implementations will begin. This is concerning the new Patient Protection and Affordable Care Act. Employers are expecting the health insurance policy annual premiums to rise by nine percent beginning with the start of 2011. What a great way to begin.

Increase is Not Limited to Health Insurance Premiums

Another portion of the health care reform is concerning the deductible for individuals and for family members. The new deductibles will rise per person to over four hundred dollars per individual during the course of the annual health insurance policy. This will of course deter many individuals from ever setting foot in a medical health care physician’s office again because of the high initial cost.

Many other health insurance plans also have a collective family deductible per annual year above the deductible for each family member. This is not the only change the government plans to begin, other changes will reflect in the out of pocket expenses, which will also rise to compensate for the elimination of the co-insurance. This will really entice most families to run to their local primary care medical health care physician.

Okay, so you will be stuck with a low cost health insurance annual policy that will cover basically nothing of what you require, but you will be mandated to continue to carry it and remember to mail the average monthly cost for health insurance to the Internal Revenue Service.

Consequently, many employers are finding legitimate ways to eliminate the health insurance benefits for their retirees. This is just another way for your government to help you, right? Most companies are being forced to increase the costs by substituting wellness centers and disease management programs to their full time and part-time employees.

This is an interesting aspect because there is no mention for the families of the employees to utilize the wellness centers and disease management programs to offset their cost for individual health insurance. However, do you really want to participate in any of the wellness centers or disease management programs?

Government Control in the Guise of the Health Insurance Reform?

The truth of the matter is that these health care centers are really being set up to monitor your behavioral habits when you are not officially on the clock at your place of employment. Does an employer have the right to tell you what to do? Does an employer have the right to tell you what to eat, and what activities to partake in when you are not on the clock?

Perhaps this new form of health care reform is really a mechanism to control your behavior and the government and your employer are hoping you will not notice. One of the more interesting aspects of this new health care reform is to see how the employers are planning to put the new laws and rules into place.

When you leave the office and return to your home, will you be obligated to continue reporting in to your employer to ask permission when you want to take your family out for the evening to be sure you comply with the new health insurance laws? Will you be required to ask for permission to go out to dinner?

The Refusal of Health Care

Monday, December 6th, 2010

americans refusing health careShould health care be mandated?

It is an interesting fact that the government has mandated all citizens participate in this new health care plan whether they want to or they do not.  It is really amazing how the government is counting on every citizen performing correctly and purchasing a government-run mandated health insurance policy for the good of all citizens.

There is a very likely chance that depending on how many individuals opt out of purchasing a new health insurance plan, the entire health care reform bill can fail and put itself out to pasture. There are presently a large number of states who have filed lawsuits already in regards to the health care reform bill. There are other states waiting in the wings until it is their turn to present their argument against the health insurance mandate.

Mandating health care will not benefit everyone

Many individuals across the country are taking a wait and see approach because they are all trying to follow. In the meantime, there are other family members trying to work out a feasible health insurance plan in order for the family to remain as in tact as possible. There is no doubt that many more citizens will find they are on the other side of the health insurance fence when they lose everything they own and wonder how it ever reached this level.

The sad reality is that there are going to be many in the population who will go along with the scheme just to keep the peace and not necessarily, because they believe it is the right thing to do. On the other side of the health care reform bill debate, there will be other citizens who refuse to partake.

The government on the other hand, is well equipped with many of the situations that will arise out of this new health care reform bill. Even though they may be equipped, you have to wonder just how far they wish to move this along. The passage of the new health care reform bill requires every citizen to participate in the plan for it to be successful by the time it is fully implemented.

Refusal to buy health care will be a problem

When there are more individuals, who refuse to partake in the new health care mandate and choose only to pay the fine that is dictated in the health care reform bill it will cause great concern. In order for the new health care reform bill to be a success it needs the healthy individual’s participation. Anything short of this will destroy the health care reform bill and render it useless.

Why would all citizens want to participate when they already know they will be excluded from the health care rolls because of a catastrophic disease they are suffering? This is a matter that will make its way into the Supreme Court, yet the health care reform bill will incrementally go into effect.

As for the citizens of the country, they are sitting back and holding tight. Most citizens are waiting to hear a decision one way or the other of what is going to happen next. Will the people be successful in banishing this health care bill from the government records or will the health care reform bill become a part of everyday life.

Are Misguided Policies Contributing to the Shortage of Doctors in America?

Friday, September 25th, 2009

Just as there are major shortages of nurses in America, the shortage does not end there, doctors are also in short supply.  American citizens are getting older because of the abundant baby boomers generation and effects of health and aging, are taking its toll on the health insurance companies and the doctors who are trying to meet the demands.

 

Many reasons have contributed to the shortage of doctors over the decades.  Some of them could best be described as misguided polices. Doctors traditionally flock to large cities where the pay is better and the medical headhunters have the job of finding specialists for some towns and rural or remote areas.  This in turn places the added stress on Americans who need specialized care to have to travel to bigger cities and many of these Americans are elderly or too sick too make the trip.  Others do not have the financial means to do the traveling.  This too produces a domino effect as the general practitioner can become too stressed and overloaded with work that they retire or move away from these remote locations. 

 

Instead of meeting the demands for more doctors certain policies such as restricting qualified medical doctors from other foreign countries to practice in America has also added to the problem of doctor shortages and has contributed to the major health care crises facing America today. Furthermore, applications for medical schools have been frozen through the last decades as well.  How then do we have enough doctors to fill the demands of sick Americans when medical school enrollments are down and foreign doctors are barred.  The answer is we don’t fill the demands. Instead we make them more severe especially when doctors become overburdened with the workload, and there is no relief in sight.  Some retire as they are aging themselves and some quit the profession or move to other countries in hopes of obtaining a better practice and a better life style over all. However, instead of increasing the supply of medical doctors in rural and even inner city locations, the Association of American Medical Colleges blamed the high demand on health insurance companies who now made it easier for doctors to order as many tests as they wanted without limitation and therefore their argument has been the misuse of physician and doctor time and not the shortage of doctors in the first place.

 

The health insurance industry especially the large HMO’s have begun to limit unjustifiable testing and procedures and monitor the activities of the doctors they employ.  Some are no longer giving doctors carte blanche funding by putting them on a salary.  More effective means of health care management is being employed but still it is not enough. There is still a shortage of doctors to meet the high demand of medical care in America.   For people needing tests and operations are having to go on long waiting lists because there are not enough doctors and other medical personnel available to meet the demand. One study showed that 87 per cent of hospitals in America are actively seeking doctors in different specialities. As a result of cutting back on medical school enrollment and the ban on foreign doctors in the 1980’s, we are still suffering the consequences in America in 2009. 

 

In the example of Canada, Canadian medical programs are fully accredited and Canadian doctors are fully qualified to practice in the USA. Canadians were actively employed as doctors in the USA prior to 1976.  Afterwards it required a green card before the Canadian doctor could come over.  That meant that any facility willing to employ a Canadian doctor had to keep the job open for over a year so that the green card requirements were met.  This is totally ludicrous when you think about it, if you need a doctor how can you afford to keep the job open for a year?  Is it not more important to keep Americans healthy and have a good health care system that meets the needs of the American demand?

The Need for Legislation against PVC’s in Children School Supplies

Tuesday, September 8th, 2009

The most precious people in our lives are our children. Not only do they grace our lives, but also they are our future if the human race is to survive.  However, what kind of life will they have if we do not take care of their health care now?  Of course we take measures to insure their health and welfare safe, but do we do it fast enough?  Do our governments act as fast as they can once they realize that there is a health threat present?

No matter where we go, no matter what we do, we are exposed to phthalates; they are at home, at work, in the hospital – they are in our environment everywhere.  Phthalates is a chemical resembling vegetable oil and is has been used in plastic products for at least the last 50 years. It makes PVC’s (polyvinyl chloride) more soft and flexible which is important for many plastic found such as garden hoses and other products, which need a measurement of flexibility to be functional.  Our world is saturated with plastic products and until recently it was not discovered just how much our health care is suffering from it. From plastic garden/rubber hoses to plastic bags, there are PVC’s all around us.

Through various testing done on animals, we are now finding how ingestion of this chemical substance can be toxic both to animals and to humans as well. Governments are now restricting the use of PVC’s in canned foods and plastic materials.  Major manufacturers from the food industry to the children’s toy industry must be more vigilant about our health care and stop using PVC’s in the production of their products.

In 2008, the American government banned the use of PVC’s in the manufacturing of children’s toys.  Research on children health care with regards to products made with phthalates and PVC’s shows severe developmental issues interfering with the children’s hormones. But wait, that is not the only horrible consequence of children being exposed to PVC’s. Birth defects have been noted in baby boys resulting from the influence of phthalates, and there has also been reporting of testicular cancer, liver problems, and early onset puberty in girls, which is also a risk factor for breast cancer in latter years.

The government banned PVC’s in toys but neglected another area just as important. They neglected schools supplies. There are so many schools supplies such as backpacks, lunchboxes, binders, pens, pencil cases, thermos, crayon cases, and more that have PVC’s in them.  Children are inundated with PVC’s and it does not stop there.  There are other toxins such as cadmium, and/or organotins and lead that are a danger to children’s health care.

These toxic substances may be ingested, or seep out and distributed in the air where your children will breathe in the vapors.  It doesn’t matter how much or how little exposure a child gets to these substances, they are toxics and therefore dangerous. We need to put pressure on the government to ban the use of these toxins in school supplies as well.  Our kids are at risk and so is their future, not to mention the drain on the health care system for all the medical attention that will be needed to treat our children as these toxic substances destroy their young bodies.

You can detect PVC products by looking at the label, if it says vinyl it contains PVC’s. Some products will be labeled PVC or V, or number 3 and that can be found under the recycling symbol. Avoid these products, as well as shiny backpacks with plastic designs, modeling or Crayola Air-Dry clay, notebooks, which have plastic on them, or plastic spirals holding them together, and colored plastic paper clips.

Don’t be fooled by shoes and shoe brand knock offs. For example even though the brand names shoes like Crocs are PVC free the charms on them may not be.  Crocs knock off, Kamid Doodle are made with PVC’s.  However you may be happy to know that brand names shoes such as Nike, Puma and L. L. Bean are PVC free.  

Until the government is willing to take action and legislate against PVC’s in children’s products and until manufacturers of children products take their social responsibilities seriously and stop using PVC’s on their own, we as parents have no choice but to monitor everything that goes anywhere near our children.  We must boycott the products that have not conformed to standard and save our children from future damage to their health care and well being. We must avoid a catastrophe before it happens.

The Need for Proper Health Care Coverage for Fibromyalgia Sufferers

Wednesday, July 8th, 2009

It goes without saying that healthcare coverage in the United States of America is extremely expensive, so much so that 47 million Americans are not covered at this time.  However, for people with chronic illnesses even with coverage, they may not have access to all the services afforded other Americans with complete coverage.  Times are hard and paying for insurance coverage or even having proper coverage is even harder.  Victims of chronic illnesses are under a lot stress stemming from their maladies and this pressure is also transferred onto an   already strained health care system.

People with chronic illnesses use the services more for doctor’s visits, medications, treatments and diagnostic testing.  However, not every illness is picked up by diagnostic testing at this time. This happens quite frequently in the case of chronic pain. Certain types of chronic pain will be seen on x-rays, blood testing or resonance imaging tools such as the MRI, and then there are others like fibromyalgia that do not leave telltale signs. The diagnosis for fibromyalgia is defined by widespread pain and 12 out of 18 trigger points (tender points) must be notated. Fibromyalgia is a disease of the central nervous system where the body detects pain yet there are no physical indicators as to why this pain occurs.

According to the American Pain Foundation, fibromyalgia is one of the leading chronic pain disorders facing Americans today.  They report that it affects 2-5% of Americans and that translates to 6,000, 0000 people. The onset of this disorder is between 20 and 55. Different studies have shown that sufferers of fibromyalgia and chronic fatigue syndrome not only use health care services more often than other pain sufferers they are also mostly unemployed due to their debilitating illnesses.

Furthermore, women are 9 times more likely to contract the disease than men are.  Women are already in a precarious position when it comes to health insurance. Generally speaking they have lower incomes, and less insurance.  Many women are not even insured at all.

People with fibromyalgia who have not been diagnosed are in a very precarious position.  They know they have pain, and the go from doctor to doctor trying to get a diagnosis so that they can qualify for medical benefits.  Since this illness is not readily detected on standard tests many doctors still scoff off the illness by arguing with the victims that they do not have pain, or it is a psychological disorder the proverbial, “it is all in your head,” or they are hypochondriacs.  This too will lead to more stress and illness. The figures of 6 million individuals may be understated at this time due to the reluctance of many doctors to recognize this type of chronic pain (48% of doctors surveyed according to the National Fibromyalgia Association findings in 2007).

The American Pain Foundation is sponsoring a petition, supporting the American Health Association’s efforts to combat restrictive health insurance practices for people who suffer from fibromyalgia and to make sure that they have access to all the medical benefits that they require.  This petition is being sent out to state insurance commissioners, attorney generals and other federal officials such as the secretary of health.  The aim is to get decent health insurance coverage for fibromyalgia patients and to standardize this coverage through developing a code of ethics for health insurance companies, which will provide regulations and guidelines for health insurance coverage and benefits, payment issues, and the surveillance of compliance by health insurers in this area.

Every American should have access to the FDA approved medication to relieve symptoms.  They should have access to any treatment options including physical therapy, cognitive therapy and more. Beside access to these medications and treatments they should be affordable.  Health insurance companies as well as large pharmaceuticals need to put profit aside and do the ethical thing.  In a country as big and as wealthy (in comparison to other countries of the world) as the United States, there is no reason why fibromyalgia sufferers should be singled out in this way.  Fibromyalgia is a real disease like any other.  It is not a figment of a hysterical woman’s imagination.