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Implementing a Personal Health Record While Applying For Health Insurance Online

The preparation phase of filing for health insurance is an excellent time to implement a computer-based personal health record   because you can proverbially kill two birds with one stone, i.e. begin the creation of your own all important personal medical record and decrease the likelihood of being denied medical insurance coverage or experiencing gaps in your coverage known as  existing exclusions if your application is approved because of incorrect information entered on your application.                            https://www.detroitescorts.siteThe online health insurance application process from acquisition of health insurance quotes to the final application approval is a streamlined one which is designed to enable you to find the best insurance for you in the least amount of time, but if you do not have the proper information pertaining to your health while going through the process, the efficiency that is intended may be   or negated.

The creation of a personal health record as you prepare to file for health insurance online probably can not only help you more efficiently and accurately go through the application process and find the health insurance that is best for you, but can also be of immense value to you in the future in other settings such as applying for a job, applying for various licenses that require health information, obtaining an airman medical certificate if you are a pilot, and preparing for visits to doctors or other health care providers, only to mention a few.

In applying for health insurance, as is the case in virtually any application proceeding, going through the process without having documents to refer to can be very frustrating and might result in incorrect information being submitted causing your application to be denied, and in the worst case scenario, a conviction for health insurance fraud.

In deciding whether not to grant you medical insurance, insurance companies want to know a number of things about your past and current health such as past illnesses, current illnesses, dates of onset of symptoms pertaining to diagnosed and non-diagnosed medical conditions, surgeries, past and present medications, allergies,   and even some details about the health of family members inasmuch as some conditions have hereditary links. Not all insurance companies use the same application form, but to get a good idea of additional information that you need to focus on entering into your personal health record in preparation for the application process you can download a standard insurance application for your state from a site on the Internet. You may be able to obtain some of the relevant information from paper records you already have such as copies of  from doctor visits, a health diary, prescription receipts, prescription bottle labels or notes you have taken during actual doctor visits. As you gather this information prior to applying for health insurance online is a good idea to   it for quick and easy reference during the health insurance online application process by entering it into the appropriate sections of you .

It is unlikely that you will have all the information you need at your fingertips, thus it might be necessary to obtain some of that information from your health care provider(s). While it would not be practical or reasonable to expect your healthcare provider to review your office medical record and answer all your questions during a sick visit or follow up visit, state laws give you access to review your medical records upon request during the office business hours. Because this might be a unique experience for your healthcare provider and staff and could engender some concerns regarding possible litigious intent on your part, it might be a good idea to be forthright early on in expressing exactly what your purpose is for acquiring the information and why you think having a personal health record would be of benefit to you and possibly the health care provider as well.

As you review your office records is a good idea to take notes of what you can understand and perhaps make copies of important x-ray and laboratory reports which can later be incorporated in your  if you have a scanner. If your medical history is rather complicated and/or your office record is not legible or difficult to understand it might be best to speak with your doctor to see if a special appointment can be made to review and discuss the salient features of the record and/or if a summary with dates and copies of the important supporting documents such as laboratory reports and x-rays can be provided. If your doctor has a very busy schedule and would charge you a visit to provide this information you might request assistance from a qualified member of the staff instead of the doctor per  , if appropriate.

It is not necessary that your entire personal health record be finished prior to applying for health insurance online, but once the basic information for used for insurance application has been entered, the remainder of the work can be done at your leisure.




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Importance of Mental Health Among Youth

Mental health is not merely the absence of mental illness, but it also the ability to cope with the challenges in life. Mental health is as important as physical health to everybody. Youths usually experiment with attitudes, appearances, and    Most of their experiments are harmless, but some experiments may have terrible results. Children and youths experience mental health problem such as stress, anxiety, harassment, family problems, depression, learning disability, etc. Serious mental health problems, such as self-injurious  and suicide, are increasing among youth.          gadgets
A good mental health is essential for leading a good life. Youth cannot succeed in academic and personal life effectively if they are struggling with a mental health problem, such as depression or unsteady feeling due to academic, social or family pressures.

Failure to detect youth’s mental health problem may result in negative consequences such as increased risk for academic failure, social isolation, unsafe sexual  , drug and alcohol abuse, suicide attempt, unemployment, and poor health. A recent report says, The rising rates of mental and emotional problems among U.S. children and youngsters signal a crisis for the country.

Depression, anxiety, attention deficit, conduct disorders, suicidal thinking, and other serious psychological problems are striking more and more children and youths. Conservative estimates say one in every ten children and adolescents now suffers from mental illness severe enough to cause impairment.” Even if detected earlier, unfortunately many children and youth do not receive the help they need. Some reports are there that most children and youth who need a mental health evaluation do not receive services and that the rates of use of mental health services are also low.
Parents and adults must take care of the youth’s mental health. The parents and adults must talk with the youth, be a good role models to them, advice them to choose good friends, and monitor their activities.

There is a growing and unmet need for mental health services for children and youth. Mental health services are important for student’s and youth’s success. Prevention programs help in early identification of mental health problems in youth. These programs provide education on mental health issues, violence prevention, social skills training, harassment prevention, suicide prevention, conflict resolution, and screening for emotional and  problems. The Family Guide Web sites are designed for parents and other adults to   the importance of family, promote mental health, and help prevent underage use of alcohol, tobacco, and illegal drugs.

Good mental health is very important for youth’s success. In order to  the importance of mental health in youth, the following steps can be taken: Create awareness of child and youth mental health issues; provide a comprehensive guide for effective and meaningful youth meetings for   and professionals; and Conduct programs to generate awareness about youth’s mental health in each communities. Awareness about the importance of mental health issues among youth equally important to other physical issues, such as heart disease, AIDS, cancer, etc. Local and state health officials must draw more attention to the importance of mental health treatment of affected children and youths.

Attention to youth’s mental health will more effectively improve their life standard. This also positively impacts their academic and personal life achievements. The families, society and youths benefit only when mental health problems in youths are identified and prevented earlier.




Degree in Health Administration Programs

Over the past few years, the health industry is growing at rapid pace and as a result the demand for health management/caring professionals has boomed proportionately. If we look at the present scenario the need for qualified, well trained and dedicated health managing personnel are relatively high in comparison to last year. Consequently, today the ratio of students selecting a health administration course or going for a degree in health administration has grown dramatically. A health care administration degree actually prepares you to manage various issues within the health care industry effectively.

Not long ago, the professions liking administering or managing health issues or health-   were just considered to be merely a data management element. But the present picture depicts a different story. Today health administration has steadily become one of the quickest growing sections of health care. In fact, it is predicted that the field will see a steep growth in the need for qualified health-care personnel and administrators in coming next few years. However, a degree in health administration from reputed college can put you in a position to  this demand in just over two years. These days there are numerous health care administration training and nursing colleges that offer programs or courses that not only address this need but give your career a giant push.

Earning a master’s or bachelor’s degree in health administration allows you to widen your career opportunities, as you could find yourself working in different places like Hospitals, Medicaid, Public Health Departments and Rehabilitation  Moreover, you may even earn a lot more money. Besides this, you may even advance your healthcare career and become an administrator, manager, or supervisor. The major highlight about attaining a health administration degree is that the degree incorporates business and healthcare knowledge and in many countries the program is also well accredited by the commissions or bodies on Accreditation of Healthcare Education. At the end of doing your health administration degree, you will also gain a thorough understanding of critical health care issues and how to evaluate the deficiencies within the system.

Once you complete the course, you can acquire a responsible possible like health administrator, where you won’t be just responsible for   or interpreting healthcare service but as an invaluable member of health network you will be the supporter for insuring that the quality of service is uphold. As a graduate, you will have the learn tools to improve the systems within healthcare  like Hospitals, Medicaid, so that patient needs are served more efficiently. In addition, the course also provides you with opportunity to enhance your management/administrative backgrounds through a curriculum that primarily focus on theories and contemporary practice applications.

This health administration degree help you achieve expertise in health care service leading to other high positions in health care. Alternately, it is important that you choose the program that is accredited and affiliated to a well-ranked institution or university. Practical and clinical training is also essential for health administration program. So you should have a clear knowledge about the kind of practical lessons that institute plans to provide you.


What Are the Recommended Foods to Eat for Diabetics?

The diet of a diabetic should not be like what is being served to people who do not have health issues. It should be low in fats, sugar and salt. It is also quite important for them  One shot keto complaints  to eat foods that will help them obtain a healthy weight. Being overweight makes it harder for a diabetic to control his blood sugar level. Hence, it is recommended that if one has diabetes, he should also watch his weight.

Being diabetic doesn’t mean sugar should be totally put off your diet. It is still needed to maintain balance; however, if the food contains sugar, you should take only small portions of it. You can still have some of those cakes and cookies but make sure  review  that you will try your best to enjoy a suitable share.

Studies show that diabetics are prone to heart attack and stroke. Aside from that, they are also at risk of suffering deafness, blindness and kidney failure. Every tissue in their bodies is also prone to damage. And this is usually caused by the rising of their blood sugar levels after a wrong meal. For this reason, the foods they eat should be carefully watched. This is quite important in regulating diabetes.

There are certain foods to eat for diabetics. The list is usually made up of fruits and vegetables that are rich sources of vitamins, minerals, fiber and phytochemicals. Some recommendations are root veggies like potatoes, beets and carrots. Recommended fruits are kiwis, apples, pomegranates, guavas, Indian blackberries, figs and citrus fruits. These can slow down the rise of blood sugar; thus, the dangers will be lessened. Fruits and vegetables that are high in fiber provide chromium to the body. When your diet is rich in fiber, the requirement for insulin will be lessened. Other vegetables that are recommended for diabetics are onion, ginger, garlic, spinach, radish, cucumber, kale, cabbage and tomatoes.

Meats such as lamb, pork and beef can be taken by a diabetic. Organ meats can be included as well such as liver. To those who may not know, liver contains 4x more Vitamin C than pears and apples. Vitamin C is very much needed by a diabetic as it helps in preventing blood vessel damage which may be due to poor glucose control. In cooking them, it is best to use olive or peanut oil instead of regular cooking oil because they are good for diabetics.

Poultry animals such as chicken, duck, turkey and goose can also be eaten as long as they are low in fat. Same goes with fish and sea foods of all types.

Plain and natural yogurt can be a good dessert for a diabetic. Another good dessert idea is making a salad with sliced fresh fruits topped with a small amount of whipped topping. You can find whipped toppings in groceries with light formula. This is recommended for people who have diabetes. Cooked unripe bananas are also great options.


Health Care Fraud – The Perfect Storm

Today, health care fraud is all over the news. There undoubtedly is fraud in health care. The same is true for every business or  touched by human hands, e.g. banking, credit, insurance, politics, etc. There is no question that health care providers who abuse their position and our trust to steal are a problem. So are those from other professions who do the same.JAMB Subject combination

Why does health care fraud appear to get the ‘lions-share’ of attention? Could it be that it is the perfect vehicle to drive agendas for divergent groups where taxpayers, health care consumers and health care providers are dupes in a health care fraud shell-game operated with ‘sleight-of-hand’ precision?

Take a closer look and one finds this is no game-of-chance. Taxpayers, consumers and providers always lose because the problem with health care fraud is not just the fraud, but it is that our government and insurers use the fraud problem to further agendas while at the same time fail to be accountable and take responsibility for a fraud problem they facilitate and allow to flourish.

1. Astronomical Cost Estimates

What better way to report on fraud then to tout fraud cost estimates, e.g.

– “Fraud perpetrated against both public and private health plans costs between $72 and $220 billion annually, increasing the cost of medical care and health insurance and undermining public trust in our health care system… It is no longer a secret that fraud represents one of the fastest growing and most costly forms of crime in America today… We pay these costs as taxpayers and through higher health insurance premiums… We must be proactive in combating health care fraud and abuse… We must also ensure that law enforcement has the tools that it needs to deter, detect, and punish health care fraud.” [Senator Ted Kaufman (D-DE), 10/28/09 press release]

– The General Accounting Office (GAO) estimates that fraud in healthcare ranges from $60 billion to $600 billion per year – or anywhere between 3% and 10% of the $2 trillion health care budget. [Health Care Finance News reports, 10/2/09] The GAO is the investigative arm of Congress.

– The National Health Care Anti-Fraud Association   reports over $54 billion is stolen every year in scams designed to stick us and our insurance companies with fraudulent and illegal medical charges. web-site]  was created and is funded by health insurance companies.

Unfortunately, the reliability of the purported estimates is dubious at best. Insurers, state and federal agencies, and others may gather fraud data related to their own missions, where the kind, quality and volume of data compiled varies widely. David  professor of Law, University of Maryland, tells us that the widely-disseminated estimates of the incidence of health care fraud and abuse (assumed to be 10% of total spending) lacks any empirical foundation at all, the little we do know about health care fraud and abuse is dwarfed by what we don’t know and what we know that is not so. [The Cato Journal, 3/22/02]

2. Health Care Standards

The laws & rules governing health care – vary from state to state and from   and others to understand as they are written in legalese and not plain speak.

for services rendered to patients. Although created to universally apply to facilitate accurate reporting to reflect providers’ services, many insurers instruct providers to report codes based on what the insurer’s computer editing programs   – not on what the provider rendered. Further, practice building consultants instruct providers on what codes to report to get paid – in some cases codes that do not accurately reflect the provider’s service.

Consumers know what services they receive from their doctor or other provider but may not have a clue as to what those billing codes or service descriptors mean on explanation of benefits received from insurers. This lack of understanding may result in consumers moving on without gaining clarification of what the codes mean, or may result in some believing they were improperly billed. The multitude of insurance plans available today, with varying levels of coverage, ad a wild card to the equation when services are denied for non-coverage – especially if it is Medicare that denotes non-covered services as not medically necessary.

3. Proactively addressing the health care fraud problem

The government and insurers do very little to proactively address the problem with tangible activities that will result in detecting inappropriate claims before they are paid. Indeed,  of health care claims proclaim to operate a payment system based on trust that providers bill accurately for services rendered, as they can not review every claim before payment is made because the reimbursement system would shut down.

They claim to use sophisticated computer programs to look for errors and patterns in claims, have increased   and post-payment audits of selected providers to detect fraud, and have created   and task forces consisting of law enforcers and insurance investigators to study the problem and share fraud information. However, this activity, for the most part, is dealing with activity after the claim is paid and has little bearing on the proactive detection of fraud.

4. Exorcise health care fraud with the creation of new laws

The government’s reports on the fraud problem are published in earnest in conjunction with efforts to reform our health care system, and our experience shows us that it ultimately results in the government introducing and enacting new laws – presuming new laws will result in more fraud detected, investigated and prosecuted – without establishing how new laws will accomplish this more effectively than existing laws that were not used to their full potential.




A Psychologist’s Suggestions For Improving Your Health Insurance

Health                  insurance company earnings were released, showing billion dollar profits by the major insurance companies. Despite these earnings, all of the insurance companies continue to increase their premiums on an annual basis. I am writing as a small business owner, health care provider, and health care consumer to describe my concerns about health insurance abuses.

As a small business owner, the annual 15% to 45% health insurance premium rate increases are   Each year, as our employees age, we reduce benefits to afford minimal health coverage. As health consumers, our care is inferior and restricted by insurance company bureaucracy, and we have additional increased out of pocket costs. Just this past week, it was reported on how health insurers have posted billion dollar profits, at the cost of reduced care for the insured. How is this fair? It is time to remove the anti-trust exemption that protect insurance companies, and permits them to abuse the public.

As a health care provider, my income has systematically been reduced, as insurance companies increasingly dictate the care I provide, the fees I receive etc. Additionally, we have been forced to spend more time and money on hiring administrative staff to deal with insurance company errors, obfuscation, and refusal to pay for things that they must. Thus, health insurance companies increase health care costs tremendously simply through their administrative harassment of health care providers. As an example, I counted more than 200 claim errors from one insurance company in one year. This meant that over 200 hours were spent rectifying insurance company errors! Resolution of the problem only occurred after I sought assistance through Congressman  office (for which I am immensely grateful). It is no surprise that private insurance administrative costs of 35 to 40% are way higher than those of Medicare, which are 3 to 5%. This high rate of administrative costs is unacceptable, and insurance accountability must be implemented.

In my quest to resolve the high rate of insurance company errors, I learned that insurance companies routinely employ personnel to deal with bad publicity. They employ entire departments to deal with legislators and the public. They spend unknown amounts of money on advertising and lobbying. In this time of economic distress, and with so many problems funding proper health care, what are insurance companies doing spending so much money on advertising and public relations? Who is looking into the huge burden they add to rising health care costs through all of their administrative errors, public relations gambits, advertising, etc?

In the early  I joined several health insurance panels as a participating provider. Initially, the insurers offered reasonable fees, I signed up, hoping to be part of the solution to the country’s health care woes. Within two years, our fees were slashed dramatically. I maintained provider participation with a few panels whose rates were acceptable. Although I dropped out of the lower paying plans (whose compensation would have left me with an income that is similar to the starting salary of a teacher), it was amazing how my name remained in their list of participating providers (a phenomenon known as the “phantom panel”). In all of these years, the fee has never been raised in the few panels in which I remained. In contrast, my medical health insurance rates have risen dramatically, as have my rents, taxes, utilities, malpractice insurance, etc.

There is something wrong in a society when the healers, who require great educational training, are paid at far lower rates than those that deny health care, as is the case with the insurance company executives. Their compensation packages are in the millions of dollars each year, while the health care providers struggle to maintain a middle class standard of living. Health insurance companies contribute to the  out of control health care crisis.

In my opinion, any successful health care reform must include:

1. Limits on the compensation of insurance executives (in the same way that incomes of all medical health providers have been reduced).

2. Financial limits on insurance company expenditures on lobbying, advertising and public relations efforts. Those funds need to be re-directed towards actual health care.

3. Insurance companies exemption from anti-trust regulations must be eliminated.

4. Insurance company accountability and reduction of their claims processing errors and administrative costs must be reduced so that they fall in line with that of Medicare (3 to 5%). Stringent penalties need to be assessed upon insurance companies that fail to follow this ruling.


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