Health is something that we should put premium on while we are still young. Life can be difficult if burdened with unwanted diseases, illnesses and other health problems. You cannot do everything that you want because you have these limitations hindering you from doing so. This is where the value of investing on healthcare comes in.
Getting health coverage is not as difficult as you think it is. You can go contact a health insurance company you want or consult the online Marketplace to know more about health care plans and choose the one you think is suited to your needs and lifestyle.
If you are still a little bit unfamiliar with what to look for on health care, here are 2 questions that you must answer to ensure that you acquire the best healthcare plan for you.
How much is your budget?
It is very important that you know how much money you are willing to spend on premiums. The amount of money you are going to spend on your health care plan can also affect the level of coverage that you can have. If you are young, healthy and without a family yet, then it is probably wise for you to opt the cheapest premiums with high deductibles and co-payments.
If you are a parent and is raising a family already, then you should ensure that your health insurance involves prenatal care, check-ups and emergency room.
What kind of healthcare do you need?
There are different types of health care packages to choose from. There are HMOs or health maintenance organizations, PPOs or preferred provider organizations, Point of Service and Health Savings Account. HMOs typically offer the lowest deductibles when it comes to your access to routine, preventive care and other basic treatments. The downside of this type of insurance is that you can only use the facilities and physicians which belong to these organizations. You also have to request for a referral from your doctor if you need to be consulted by a specialist. PPOs, on the other hand, offers low co-payments as long as you get access from the physicians and medical entities under PPOs. However, you have the choice of seeing other health care physicians at higher deductible costs and co-payments. The point-of-service type of insurance, also known as POS plan, is a combination of HMO and PPOs. Same with HMOs, you have a designated physician under the POS plan who will be your primary healthcare provider. But like the PPOs, you can also opt to consult other health care providers but you have to shoulder most of the cost. This shall always be the case unless your own physician will give you a referral to an out-of-network provider. Last is the HSAs or health savings account. Both employers and employees can contribute to the health savings which can pay for any medical expenses. HSAs are tax-free but are subjected to government policies and regulations.
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Elections are periods of conflict and contrasting opinions. It is when a candidate lays out his or her vision for the country in the hope that people will have the same vision too and vote for him or her. In the 2012 US election, two people were fighting for the presidential position namely President Barack Obama and Governor Mitt Romney. Both of them voiced out their plans for the healthcare system of the United States of America especially those for the Patient Protection and Affordable Care Act (PPACA). They have different ideas on what should be done about the law. They cited the fact that there are more or less forty-eight million citizens who do not have health insurance plans. There was also the issue of expensive healthcare costs and the varying health services’ quality across states. Healthcare in the 2012 U.S. election is the main topic of discussion for both candidates during their campaign activities.
President Barack Obama’s view on the subject is that he wants to continue with the implementation of the PPACA which he actually signed himself to be passed as law. He wants insurance coverage to include those who belong to the lower income class in the US society. He supports the maintenance of private insurance markets but stresses that regulations and policies should be standardized and implemented more strictly. Because of increasing healthcare costs, he plans to make health products and services more accessible to lower income families through the Medicaid program.
On the other hand, Governor Mitt Romney does not share the same view. Instead, he plans to repeal the PPACA when he is elected as president of the country. Major changes in Medicaid and Medicare programs should be done according to him by decreasing the funding these programs get from the federal state. He wants Medicare and private companies to be more competitive and let beneficiaries select the insurance plan that they would like to have. If this is not successful in lowering the costs of health services, he plans to place limitations on yearly spending when 2023 comes.
These are the different plans for the United States of America of the two candidates who wants to be president of the country for the next term. Healthcare in the 2012 U.S. election is the main subject of argument for them. They both want the same results such as more affordable healthcare costs and greater quality of services, but they have different means to their ends.
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The implementation of Patient Protection and Affordable Care Act or PPACA was the central issue of debate among presidential candidates in the 2012 United States Election. PPACA is created mainly to establish an individual mandate, create new restriction for health insurance companies, and increase federal presence in the national healthcare system. Its implementation was signed by US President Barack Obama in the year 2010.
Healthcare in the 2012 US election had been in a spotlight. Debates among politicians and analysts had come out regarding this. President Obama and Governor Romney had different proposals as to the approach that will be used in addressing healthcare problems in the United States. Both candidates, however, offer different and opposing visions.
President Obama pledged to continue the implementation of the Affordable Care Act. This act was implemented to expand insurance coverage and improve healthcare delivery. He aims to maintain existing private insurance markets. Also, he aims to create tighter and more standardized regulations in the country which could ensure a comprehensive, broad choice of health plans, to those who would want to have coverage. Individually purchased health plans will be made affordable through the federal tax credits. Moreover, he is planning to implement Medicaid program which is intended to cover families with low or moderate incomes. President Obama also supports the reforms of health law which targets both the operation of insurance markets and how providers are being paid and care being delivered. Through this, he believes, growth in health care costs would continue, as well as the improvement in the quality of care given to people.
On the other hand, Governor Romney promised to reject the law and replace it with his own vision for the healthcare system in the US. Like Obama, he is also supporting a healthcare insurance based on existing markets. However, he believes that the more limited the regulation will be, the more broad choice of health plans for consumers. He plans to encourage people to buy health plans in the market. This is by making the tax treatment of individually purchased coverage similar to employer-based plans. Through reducing federal funding to Medicaid, this administration would scale back the federal-state public insurance program for people with low incomes. He seeks to reduce health care costs by providing fixed budgets. He believes that by doing this, he is allowing the state to be innovative and to save money.
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Health care refers to the diagnosis, treatment and prevention of illness, disease or any form of mental and physical impairments of humans. It is delivered by practitioners of different areas of medical science such as medicine, dentistry, nursing, optometry, allied health and others. Health care also refers to the work or services done in providing care to these patients.
As health care becomes a growing issue in United States, President Barack Obama reform the Health Care Bill. The Health Care Reform Bill of President Obama aims to address the long standing problems since aspects of the current health care system were unfair, wasteful, uncertain and unaffordable. The reformation of the health care bill will help to control the cost of insurance and increase the quality of health care services as well as expanding the consumer protection rights. The new bill also includes on improving the employer based health care to make it available for more employees.
What are the pros and cons of The Health Care Reform Bill also known as Obamacare or Affordable Care Act?
Here are the pros:
Obamacare will increase access to healthcare. Meaning more than 32 million US Citizens including legal residents who are currently not covered by health insurance will get the coverage by 2014. Also in this act, health insurance companies will not be able to drop plan members the moment they develop sickness and health plans will not be able to deny the coverage for those who are currently suffering from a pre-existing condition. This act will also reduce the cost of health care services and will allow lower income families enjoy these benefits. A subsidy system of paying taxes will be applied. The amount of tax that will be paid will depend on the income of the family; it only means that family with higher income will have to pay more taxes to subsidize the family on a lower income bracket.
And here are the cons:
Obamacare address the need for healthcare by assuring that the people are covered by health insurance but it does not address the cost of the healthcare.
And in order to finance this program, taxes will have to increase since it was the government’s primary source of fund. Increase in tax will greatly affect those who are in the high-income bracket.
Since health insurance cost increased, companies would likely reduce working hours to lessen the cost. Even worse, some companies will tend to hire part-time employees only since it will not require health insurance benefits.
It is up to you to weigh this pros and cons. Remember this economic principle, to get something you want, you have to give up something else you want.
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Obama Care is the coin term used by many of the critics of the signature law proposed by President Barrack Obama. This is a product of his efforts to reform the health care system in the US. Otherwise known as the Patient Protection and Affordable Care Act of 2010, this health care reform’s main objectives are to improve the quality of healthcare services and reduce the costs of healthcare for the ordinary Americans.
The full enforcement of the law began with the requirement of all Americans to have health insurance by March 31, 2014. Failure to comply with the law entitles you to pay an additional 1% of your income as tax, except for cases in which you are eligible for exemption. If you already have an existing health insurance to protect you, then you can still keep it. With its enactment, young adults are now covered and protected under their parents’ health insurance until they reach the age of twenty six. Furthermore, a large part of the estimated 16 million uninsured young American adults will also be helped in availing these health insurances through the assistance of Medicaid via Obamacare’s Marketplace.
This Health Insurance Marketplace is a State-owned comparison website created to assist individuals, families and businesses alike in choosing the best health plans out there. The State can also help you acquire reduced premium healthcare insurance packages at affordable prices.
In addition to this, the law also extends to those who were initially deemed ineligible by insurance companies to apply for health insurance due to pre-existing conditions. These special types of medical conditions are health problems that people have prior to their application for health insurance plans. Examples of these are chronic conditions like heart disease or diabetes that must be managed for a lifetime. Because of its nature, insurance companies are very hesitant in offering health insurance coverage to these people since they don’t want to pay for the expenses that may arise in managing these problematic health conditions. But through Obama Care’s full implementation in 2014, these companies will no longer have the prerogative to deny these people suffering from pre-existing conditions the right to purchase health insurance packages.
There may be numerous controversies surrounding the recent passing of this law. But this is something that should be foreseen by the legislators as this is a bold, ambitious move in changing the health care system. The time for reckoning will come in 2014 when all the provisions stipulated under this law shall take effect. It is only till then that people will be able to know the success of Obama Care.
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Are you already covered? One of the health securities that we could have is to get a healthcare insurance. Being insured with healthcare insurance will give you an assurance that your health will be taken care of in case you get sick or hospitalize. But the concern with healthcare insurance is not everyone can afford to apply, especially those top healthcare insurance companies. However, even if healthcare insurance can be costly, the benefits that you will get from it will worth every penny that you have paid. That’s why most healthcare insurance companies are really reaching out to those people who are not yet covered to be insured as well for the security of their health. There are actually different modes of payments that you can apply for. You can either pay it full where you can get big discounts. Or, you can pay it gradually depending on the terms and conditions of the company that you applied for.
One of the ways that you can avail health insurance is with the company that you work for. Remember that they most of the companies are deducting benefits from your salary like the SSS, health insurance, tax, and etc. Most of the big companies is affiliated to health insurance, this means that your company is one who is paying your healthcare. But you need to make sure that they are really paying the healthcare because there are companies that have been reported that they don’t pay the money to the health insurance company. You can check the HR or you can go directly to the affiliated healthcare insurance and inquire. But if you are in business or entrepreneur, you can apply as independent and you need to pay the insurance company yourself.
But of course, you need to be keen when choosing the right healthcare insurance that would secure your health bills in the future. Nowadays, it’s really hard to get sick because of the expensive price of medicines and hospital charges. But if you have healthcare insurance, you don’t have to worry with any payments. All you need to do is to present your Healthcare ID and they will just charge all your bills with your insurance. Your healthcare insurance will then cover everything. That’s why it’s really advantageous if you are covered with healthcare insurance. You can do your research online if you are looking for the best deals for health insurance.
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If there is one very important thing or insurance that you must have that will be the healthcare insurance. Your healthcare insurance can be your life saver because you don’t need to have a cash to pay your medical bills in case you get hospitalize. Your health insurance provider will be the one who will take care of your bills. That’s why healthcare providers are really suggesting that each individual should have his own healthcare insurance. But the problem is not everyone can afford it. But most of the time we are misinformed by our friends or by other people because healthcare insurance should be an asset and not a liability. There are lots of benefits that you can enjoy from having healthcare insurance. So, before you say no to the offer, why don’t you take time to know what to look for in healthcare insurance?
In every healthcare provider, they offer different types of packages that come with different benefits as well. Each package also comes with different rates; it depends on the features included in the package. But the best package to choose is the premium package but this may cost a little expensive. Before you get this package, try to check what’s in it and how it will help you with your health payments in the future.
Next will be the rate. Of course this is the reason why most people are backing out because they can’t afford the rate. But packages come with different rates and there are healthcare package that comes in low rates to meet the budget of the client. Since you will be paying this health insurance, you need to choose the mode of payment that is convenient for you. It also needs to meet your budget so you won’t have hard time paying it.
One more important factor that you must look for in healthcare insurance is the benefits. This is the most important factor because you are paying for these benefits. Make sure that at least it cover 50% and above of your medical bills. You also need to know how wide it covers when it comes to your health. This insurance should help you save money because you won’t have to get money from your pocket to pay for any medical bills or anything that is related to your health.
But before you can actually avail all of these benefits, first you need to be qualified. Yes, you need to pass the qualification to be eligible for healthcare insurance. Remember that this is still a business and you need to be eligible to pay it.
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Taking of our elderly family members is one of the hardest things to do. A lot of us say that it’s difficult and nothing compares. Anyway, it’s hard but it’s a choice. If you love our seniors and you think that the best way to thank them is to take care of them, then know how to provide the best healthcare. It’s not enough that you feed them. It’s not enough that you give them water to drink or comfy bed to use. Health care is more than providing the material things they need because it should be done out of love. If you care for elders then you make them feel happy, honored and special. You tell them that they are worth it. For your help, here are a few tips to show you care and you love them.
Think Of Their Food
One of the most essential needs of our aged family members is really nutritious food. Do not give them anything. Their stomachs are weak, immunity is sensitive and digestion is slow. To make sure they get proper nourishment, give them variety of foods. All should be nutritious. Veggies and fruits are great but make sure they won’t have problems eating or digesting them. Cereals are great. Natural juices are recommended because they are rich in antioxidants. Feed your elders regularly and do it on time. Don’t let them skip meals.
Think Of Their Comfort
Some elders don’t want to complain about comfort. They simply shut their mouth because they don’t want to add up to your sacrifices. So, be sensitive and notice if they are comfortable or not. Let them take the freshest bath each day, change their clothes, comb their hair, change their beddings, clean their spaces, etc. If they suffer from incontinence, offer them right incontinent pads that are quick absorbing and gentle to the skin. Check pads from time to time. To ensure comfort, schedule their check-up regularly.
Think What Makes Them Happy
Bring them outdoor once in a while so they can relax. If not, let them watch movies or offer them a good massage. Think of the things that will make them happy. Do not take away their happiness. You know when you provide optimum healthcare because you see them smiling.
Our elders are not supposed to be maltreated. They are the reasons why we are here. They have sacrificed a lot to give us a better life. We don’t need to be rich to love them. We only need a heart to care.