A Guide To Medicare Eligibility And Open EnrollmentAllsup
Find out if you are eligible to receive Medicare, and how to apply for Medicare. Learn about the different types of Medicare and what you may be eligible to receive.
goes thru new healthcare law (PPACA) by section. all information is correct and factual to best of my research. gives great background education on economics of healthcare and covers how massachusetts and europe/canada are doing w/ "reforms". I am against this law, but most information is just plain fact.
This chapter examines the U.S. health care system—specifically, the organization of medical services; key governmental health programs such as Medicare and Medicaid; the crisis in health care, including attempts to curb health care costs; the large numbers of uninsured people; the impact of the American Medical Association on health care; and that of managed care in the American health care system.
What Does Health Reform Mean For You PresentationNCPA_slides
The new health care legislation will impact every American. The NCPA has created a presentation, "What Does Health Reform Mean for You?," which explains the new legislation’s major points in a succinct and unbiased way.
Pennsylvania Medicaid Planning: What Can a Healthy Spouse Keep?Joseph M. Masiuk
Medicaid is important to many seniors who were qualified for Medicare, because Medicaid will pay for long-term care. There are asset and income limits that govern eligibility, but the healthy spouse is entitled to certain property rights. Learn more about Pennsylvania medicaid planning in this presentation.
A Guide To Medicare Eligibility And Open EnrollmentAllsup
Find out if you are eligible to receive Medicare, and how to apply for Medicare. Learn about the different types of Medicare and what you may be eligible to receive.
goes thru new healthcare law (PPACA) by section. all information is correct and factual to best of my research. gives great background education on economics of healthcare and covers how massachusetts and europe/canada are doing w/ "reforms". I am against this law, but most information is just plain fact.
This chapter examines the U.S. health care system—specifically, the organization of medical services; key governmental health programs such as Medicare and Medicaid; the crisis in health care, including attempts to curb health care costs; the large numbers of uninsured people; the impact of the American Medical Association on health care; and that of managed care in the American health care system.
What Does Health Reform Mean For You PresentationNCPA_slides
The new health care legislation will impact every American. The NCPA has created a presentation, "What Does Health Reform Mean for You?," which explains the new legislation’s major points in a succinct and unbiased way.
Pennsylvania Medicaid Planning: What Can a Healthy Spouse Keep?Joseph M. Masiuk
Medicaid is important to many seniors who were qualified for Medicare, because Medicaid will pay for long-term care. There are asset and income limits that govern eligibility, but the healthy spouse is entitled to certain property rights. Learn more about Pennsylvania medicaid planning in this presentation.
Indiana is participating in the federal health insurance marketplace. Gather more information and see if the marketplace is right for you. Includes local resources for Northwest Indiana.
The health scare is followed by outrageous hospital bills, which have the potential to ruin anyone’s budget and plummet down their years of hard-earned savings. It is for this very reason that family healthcare in California is given such huge importance both by healthcare experts and by financial advisers.
Dallas health insurance agent say premium increases are because the cost of c...jthorn4
Rick Thornton, a Dallas health insurance agent, said premium increases are because the cost of care is increasing, adding that there has been a 9.1% increase from when the ACA was first introduced in 2010.
Cost of assisted living & ways to cover itTomash Skreba
Sometimes people get complicated with what assisted living cost is made up and what are the possibilities of covering it. In this brochure you can find any possible info concerning these aspects and even more. You can upload it http://www.autumngrove.com/wp-content/uploads/cost-of-assisted-living.pdf
Indiana is participating in the federal health insurance marketplace. Gather more information and see if the marketplace is right for you. Includes local resources for Northwest Indiana.
The health scare is followed by outrageous hospital bills, which have the potential to ruin anyone’s budget and plummet down their years of hard-earned savings. It is for this very reason that family healthcare in California is given such huge importance both by healthcare experts and by financial advisers.
Dallas health insurance agent say premium increases are because the cost of c...jthorn4
Rick Thornton, a Dallas health insurance agent, said premium increases are because the cost of care is increasing, adding that there has been a 9.1% increase from when the ACA was first introduced in 2010.
Cost of assisted living & ways to cover itTomash Skreba
Sometimes people get complicated with what assisted living cost is made up and what are the possibilities of covering it. In this brochure you can find any possible info concerning these aspects and even more. You can upload it http://www.autumngrove.com/wp-content/uploads/cost-of-assisted-living.pdf
Esta guía es el último número de la colección de miniguías de PRL de COEPA. Por este motivo, hemos querido recopilar a modo de síntesis los principales esquemas contenidos en los números anteriores. El objetivo de esta guía es trasladar al lector una idea general de los diferentes aspectos tratados en esta colección.
Medicaid Planning and the Caregiver Crisis
https://www.thehalelawfirm.com/practice-areas/elder-law/medicaid-planning/
If you or someone you love is at risk of spending down their life savings to pay for the ever-growing cost of long-term care, then we invite you to call today for your free initial consultation. We look forward to exploring the opportunities our long-term care and asset protection planning can provide. The risk of needing long-term care and its related expenses is too great to ignore.
Call today to speak with a Dallas Medicaid planning attorney at the Hale Law Firm, P.C.
The Hale Law Firm, P.C.
417 W Main St
Waxahachie, TX 75165
(214) 446-5080
https://www.thehalelawfirm.com/
A health insurance roadmap takes a look at some simple solutions to the complex issues facing health insurance, medicare, medicaid, long term care insurance, and the high cost of health expenses in retirement.
This will work because so much of this is already in place and a lot of the rest would be quick and easy to implement. As in all areas, knowledge is power. Consumers can take control of your insurance portfolio by becoming educated about insurance. Better education and understanding will lead to positive results for consumers and for the insurance industry.
Heritage Health Insurance: Eligibility, Renewal, & BenefitsTech Good Health
In this article, we will cover the basics of heritage health insurance and Nebraska's Medicaid expansion program. Renew the heritage health insurance easily.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Chapter 18 Private and Government Healthcare Systems PriMorganLudwig40
Chapter 18
Private and Government Healthcare Systems
Private and Government Healthcare Systems
In the United States, health insurance coverage is generally classified as either private (non-government) coverage or government-sponsored coverage.
Healthcare Coverage vs. Uninsured
The National Center for Health Statistics defines health insurance as public and private payers who cover medical expenditures incurred by a defined population in a variety of settings.
In the United States, the risk of becoming uninsured increases significantly for those earning low wages, the unemployed, and when employers are unable to provide insurance to workers.
Table 5-2 presents the trend of declining health insurance coverage.
Private Health Insurance
The concept of insurance is to combine the healthcare experiences of many enrollees in order to reduce expenses for any one individual to a manageable prepayment amount.
Employment-Based Plans is coverage offered through one’s own employment or a relative’s employment.
It may be offered by an employer or by a union.
Private Health Insurance Continued
Direct-Purchase/Fee-For-Service Plans are the traditional type of healthcare policy.
The physician sets a price for each type of service delivered, and then the client or insurance company pays the fee.
This type of health insurance provides the most choices of doctors and hospitals.
Private Health Insurance Continued
The two kinds of fee-for-service coverage are basic and major medical.
Basic covers some hospital services and supplies, such as X-rays and prescribed medicine.
Major medical insurance covers the cost of long-term, high-cost illnesses or injuries plus whatever basic did not cover.
Private Health Insurance Continued
Group Contract Insurance—to make hospitals and physicians products and services affordable to ordinary people in the United States.
With unmanaged care (fee-for-service) payments, healthcare providers could increase the number of single services they deliver in order to increase profit.
Private Health Insurance Continued
Managed Care—manages the cost and delivery of healthcare services, the quality of that healthcare, and access to care.
Managed care influences how much healthcare clients can use.
Health Maintenance Organizations (HMOs) are prepaid health plans.
The goal of an HMO is to provide affordable, well-organized healthcare by allowing clients to prepay (capitation payment) on a regular monthly basis for all services provided.
Private Health Insurance Continued
Including physicians’ visits, hospital stays emergency care, surgery, laboratory (lab) tests, X-rays, and therapy for all members and their families.
There may be a small co-payment for each office visit, such as $15 for a doctor’s visit or $50 for hospital emergency room treatment.
Private Health Insurance Continued
Point-of-Service Plans (POS) offer enrollees the option of receiving services from participating or nonparticipating prov ...
This presentation educated attendees on Obamacare from the employment law and employer's perspective.
Topics from the presentation included the effects on different size businesses - small, medium and large employers - including relevant potential credit and penalty provisions of the Affordable Care Act which might apply to your business, the role of public programs, timeline for the effective dates of various PPACA provisions and their enforcement as well as typical information and documents sought under an audit by the United States Department of Labor.
YOU MUST BE KIDDING, RIGHTAmber Parker is a 46-year-old unmwalthamcoretta
YOU MUST BE KIDDING, RIGHT?
Amber Parker is a 46-year-old unmarried mother with two children, ages 16 and 17. She lives partly on alimony from her former husband and she works part-time out of her home as a medical transcriptionist for a local hospital. Last year Amber suffered severe head injuries in a hit-and-run accident when jogging. Amber's wounds have healed and she has regained her ability to speak but is not yet able to walk on her own or use her hands and arms very well. At first she required some mental health counseling. Now she still requires a daily paid caregiver to assist with her personal needs. It may be another six months before she can work again. Which one of the following aspects of her injury were covered by Amber's private health care plan?
A. Hospital stay
B. Rehabilitative care
C. Mental health
D. All of the above
The answer is “all of the above.” Amber had purchased an individual health care policy at HealthCare.gov that covers hospital, surgical, mental health, and rehabilitative care, therefore, after deductibles and copays the Affordable Care Act covered all her expenses. Individuals without health insurance can buy a health care policy on a state or federal exchange!
LEARNING OBJECTIVES
After reading this chapter, you should be able to:
Explain how the Affordable Care Act works, and how consumers shop and pay for health insurance coverage.
Distinguish among the types of health care plans.
Describe the typical features and limitations of health care plans.
Explain the fundamentals of planning for long-term custodial care.
Develop a plan to protect your income when you cannot work due to disability.
Summarize the benefits of preparing advance medical directive documents.
WHAT DO YOU RECOMMEND?
Danielle DiMartino is a 36-year-old single mother with two children, ages 10 and 14. Her 10-year-old daughter has a history of ear infections that require doctor's office visits four or five times per year. Danielle's 71-year-old mother lives with the family for financial reasons; she has hereditary high blood pressure and high cholesterol as well as diabetes. Danielle's mother has enrolled in Medicare Parts A and B.
Danielle's employer pays all or a portion of the cost for a health care plan to cover the company's workers, their spouses, and their dependents. Danielle has four options: (1) the basic HMO managed by a local university medical school/hospital with no additional cost for Danielle, but with additional cost of $122 per month to cover her children, (2) a health insurance plan with a PPO at that same medical center for an additional cost of $245 per month, (3) a traditional health insurance plan that provides access to virtually all health care providers in her community for $455 per month, and (4) a health plan with a $5000 deductible at no additional cost. Danielle's employer offers no disability income or long-term care group plan. She does receive ten sick days per year, which can accumulate if not taken. ...
Leading the Way in Nephrology: Dr. David Greene's Work with Stem Cells for Ki...Dr. David Greene Arizona
As we watch Dr. Greene's continued efforts and research in Arizona, it's clear that stem cell therapy holds a promising key to unlocking new doors in the treatment of kidney disease. With each study and trial, we step closer to a world where kidney disease is no longer a life sentence but a treatable condition, thanks to pioneers like Dr. David Greene.
CRISPR-Cas9, a revolutionary gene-editing tool, holds immense potential to reshape medicine, agriculture, and our understanding of life. But like any powerful tool, it comes with ethical considerations.
Unveiling CRISPR: This naturally occurring bacterial defense system (crRNA & Cas9 protein) fights viruses. Scientists repurposed it for precise gene editing (correction, deletion, insertion) by targeting specific DNA sequences.
The Promise: CRISPR offers exciting possibilities:
Gene Therapy: Correcting genetic diseases like cystic fibrosis.
Agriculture: Engineering crops resistant to pests and harsh environments.
Research: Studying gene function to unlock new knowledge.
The Peril: Ethical concerns demand attention:
Off-target Effects: Unintended DNA edits can have unforeseen consequences.
Eugenics: Misusing CRISPR for designer babies raises social and ethical questions.
Equity: High costs could limit access to this potentially life-saving technology.
The Path Forward: Responsible development is crucial:
International Collaboration: Clear guidelines are needed for research and human trials.
Public Education: Open discussions ensure informed decisions about CRISPR.
Prioritize Safety and Ethics: Safety and ethical principles must be paramount.
CRISPR offers a powerful tool for a better future, but responsible development and addressing ethical concerns are essential. By prioritizing safety, fostering open dialogue, and ensuring equitable access, we can harness CRISPR's power for the benefit of all. (2998 characters)
Telehealth Psychology Building Trust with Clients.pptxThe Harvest Clinic
Telehealth psychology is a digital approach that offers psychological services and mental health care to clients remotely, using technologies like video conferencing, phone calls, text messaging, and mobile apps for communication.
Explore our infographic on 'Essential Metrics for Palliative Care Management' which highlights key performance indicators crucial for enhancing the quality and efficiency of palliative care services.
This visual guide breaks down important metrics across four categories: Patient-Centered Metrics, Care Efficiency Metrics, Quality of Life Metrics, and Staff Metrics. Each section is designed to help healthcare professionals monitor and improve care delivery for patients facing serious illnesses. Understand how to implement these metrics in your palliative care practices for better outcomes and higher satisfaction levels.
The Importance of Community Nursing Care.pdfAD Healthcare
NDIS and Community 24/7 Nursing Care is a specific type of support that may be provided under the NDIS for individuals with complex medical needs who require ongoing nursing care in a community setting, such as their home or a supported accommodation facility.
Navigating Challenges: Mental Health, Legislation, and the Prison System in B...Guillermo Rivera
This conference will delve into the intricate intersections between mental health, legal frameworks, and the prison system in Bolivia. It aims to provide a comprehensive overview of the current challenges faced by mental health professionals working within the legislative and correctional landscapes. Topics of discussion will include the prevalence and impact of mental health issues among the incarcerated population, the effectiveness of existing mental health policies and legislation, and potential reforms to enhance the mental health support system within prisons.
Deep Leg Vein Thrombosis (DVT): Meaning, Causes, Symptoms, Treatment, and Mor...The Lifesciences Magazine
Deep Leg Vein Thrombosis occurs when a blood clot forms in one or more of the deep veins in the legs. These clots can impede blood flow, leading to severe complications.
1. Welcome to the United States
HealthCare System
Starter Kit For New Residents
Author Tammy Burke RN
2. What is the make-up of the United States
HealthCare System?
A complex mix of public and private initiatives
Healthcare is primarily paid for using private insurance in a free market system
Third party such as employers and public insurers pay the bulk of health care costs.
Two primary federal social health programs
Medicare
Medicaid
3. Medicare
Created under title XVIII of the 1965 social security act as health insurance for aged
and disabled.
For individuals 65 years and older
Four parts A, B. C, D
Part A hospital insurance
Part B medical insurance
Part C expands beneficiaries’ options for participation in private sector health care plans.
Part D helps pay for prescriptions otherwise not covered by A and B.
4. Medicaid
Passed by congress in 1965 as a response to perceived inadequacy of welfare
medical care.
Financed by Federal and State funding.
Originally only covered pregnant women and children under the age of 6 from families at or
below 133% of federal poverty level.
Currently open to individuals less than 65years at or below a poverty level of 138%.
5. Your guide to selecting insurance
Residency status
US resident?
Employment status
Have a job?
Health needs
Care models
Health Maintenance Organization (HMO)
Physician lead care
Physician required referrals to specialists
Managed Care System
Low cost
Perferred Provider Organization (PPO)
Open-ended access to providers
No Referrals to specialists
Slightly higher costs
Family size
Location
6. How to apply for health insurance
Employer
Required by law to provide health insurance
Open Market at healthcare.gov
Self purchased health insurance
Nevada Department of Health and Human Services
Provide information for state and federal health programs (dhhs.nv.gov)
Nevada Local Programs
Community Health Alliance
Disability Rx
Senior Rx
Nevada Primary Care Association
7. Health Insurance Tips
Obtain coverage
Find out when your coverage starts, DON’T FALL INTO THE GAP!
Know when your coverage begins and important dates.
Know your benefit
What is covered?
Know your responsibilities
What do you have to pay for?
Know how to access care
Where should you go for care?
Be prepared for any potential health crisis
Have savings available for emergencies
Know your support systems
Family or friends for support
8. Care Algorithm
YES YES
NO
NO
Private INS Medicare
Medicaid
Critically
ill?
Visit your nearest
emergency room.
Have you been
admitted?
Hospital and
independently contracted
physicians are paid by
DRGs and Fee For Service
or Bundle payments.
What do you pay?
For Medicare patients
$1,288 deductible
/benefit period.
Days 1–60: $0 /benefit
period.
Days 61–90: $322
coinsurance per
day/benefit period.
Days 91 and beyond:
$644 coinsurance per
each "lifetime reserve
day" after day 90/benefit
period (up to 60 days
over your lifetime).
Beyond lifetime reserve
days: all costs.
No specific copay
listed. Prior
authorization may be
required for
nonemergent
admissions
Specific copay will be
outlined in plan of
employer sponsored
or self-purchased
health insurance.
Additional payment
may be required for
services not covered
by plan.
Follow up with
primary care
physician. See
health plan details
for copay or
coverage
Go to Urgent care or
primary care physician.
See plan details for
coverage
9. References
Healthcare.gov. (n.d.). How can we help you? Retrieved from
https://www.healthcare.gov/get-answers/
Kaiser Family Foundation. (2016). Medicaid Benefits: Inpatient Hospital Services, other
than in an Institution for Mental Diseases. Retrieved from http://kff.org/medicaid/state-
indicator/inpatient-hospital-services-other-than-in-an-institution-for-mental-
diseases/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sor
t%22:%22asc%22%7D
Mason, D.J., Gardner, D.B., Outlaw, F. H., & O’Grady, E. T. (2016) Policy and politics in
nursing and healthcare (7th Edition) St Louis, MO: Elsevier
Medicare. (2016). Your Medicare Coverage. Retrieved from
https://www.medicare.gov/coverage/hospital-care-inpatient.html
State of Nevada Department of Health and Human Services. (2014). Medical Assistance.
Retrieved from http://dhhs.nv.gov/Find_Assistance/Medical_Assistance