레이블이 United Health Care Provider Directory인 게시물을 표시합니다. 모든 게시물 표시
레이블이 United Health Care Provider Directory인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 29일 금요일

About 'united healthcare vision'|... who are striving to introduce a spiritual approach to healthcare. Sukyo Mahikari hopes to work with such organizations and ...







About 'united healthcare vision'|... who are striving to introduce a spiritual approach to healthcare. Sukyo Mahikari hopes to work with such organizations and ...








We               are               now               checking               out               the               various               options               for               people               65               and               over               who               qualify               for               Medicare.

Len               has               been               with               Humana,               Quality               Health               Plans,               and               back               to               Humana               for               the               past               9               years.

However,               from               November               15th               to               the               end               of               the               year               people               are               signing               up               for               the               2008               plans               and               these               are               being               presented               at               local               restaurants.
               AARP               Medicare               Complete               provided               through               SecureHorizons               sent               us               an               invitation               to               attend               a               seminar.

When               we               arrived               today               we               found               out               that               it               was               for               United               Healthcare.

We               also               plan               on               looking               at               the               Freedom               Health               Plan,               Optimum               HealthCare               Plan,               and               Wellcare.

We               will               also               go               for               an               up-date               on               Humana               to               ensure               that               we               are               getting               the               best               deal.
               You               may               wonder               why               we               are               going               to               so               many               but               Medicare               give               these               companies               the               money               they               would               spend               on               our               health               services               and               they               can               utilize               it               how               they               wish.

They               have               to               give               you               the               minimum               that               Medicare               does               but               then               you               have               to               way               up               the               other               benefits.

Each               company               varies               considerably.
               Most               have               no               premium               apart               from               the               $93.50               that               is               taken               out               of               your               social               security               for               Part               B.

Some               companies               even               give               you               back               that               $93.50               or               a               portion               of               it.

These               companies               then               charge               you               more               for               your               co-payments               or               drugs.
               All               companies               offer               you:
               Inpatient               Hospital               Care.
               Inpatient               Mental               Health               Care.
               Skilled               Nursing               Facility.
               Home               Health               Care.
               Hospice.
               Doctor               Office               Visits.
               Chiropractic               Services.
               Podiatry               Services.
               Outpatient               Mental               Health               Care.
               Outpatient               Substance               Abuse               Care.
               Outpatient               Services/Surgery.
               Ambulance               Services.
               Emergency               Care.
               Urgently               Needed               Care.
               Outpatient               Rehabilitation               Services.
               Durable               Medical               Equipment.
               Prosthetic               Devices.
               Diabetes               Self-Monitoring               Training,               Nutrition               Therapy               and               Supplies.
               Diagnostic               Tests,               X-Rays,               and               Lab               Services.
               Bone               Mass.
               Colorectal               Screening               Exams.
               Immunizations.
               Mammograms.
               Pap               Smears               and               Pelvic               Exams.
               Prostate               Cancer               Screening               Exams.
               Prescription               Drugs               (Medicare               Part               D.)
               Dental               Services.
               Hearing               Services.
               Vision               Services.
               Physical               Exams.
               Health/Wellness               Education.
               Depending               on               the               company               you               choose               the               out               of               pocket               expenses               will               vary.

You               will               immediately               save               the               $131               deductible               that               Medicare               take               from               you               as               soon               as               you               use               any               of               the               services.

Medicare               also               has               a               20%               coinsurance               on               many               of               these               services               whereas               you               would               only               pay               the               co               pay               depending               on               which               company               you               use.
               For               someone               who               is               relatively               healthy               you               may               not               need               to               check               out               all               the               providers               in               your               area               but               for               someone               like               my               husband               with               3               chronic               illnesses               it               can               save               hundreds               of               dollars               throughout               the               year.
               We               pick               an               HMO               for               it's               Part               D               prescription               benefits.

I               have               to               say               that               the               last               2               years               I               have               managed               to               keep               Len's               costs               to               0               even               though               he               is               on               Insulin,               Plavix,               and               the               generic               of               Zocor.

With               the               help               of               his               doctor's               office               giving               a               few               samples               and               my               calculations               he               has               stayed               below               the               donut               hole.

Part               D               initial               coverage               for               2008               will               be               $2.510               for               drugs.

Once               you               reach               this               amount               (donut               hole)               you               are               responsible               for               100%               of               your               drug               costs               until               it               reaches               $4,050.

After               this               the               co-payments               run               just               a               few               dollars               with               each               of               the               companies               plans.
               As               we               do               not               have               socialized               medicine               here               in               the               states               it               is               necessary               to               stretch               those               dollars               as               much               as               we               can.

Medicare               on               it's               own               was               good,               but               if               you               can               get               better               coverage               at               no               additional               cost,               then               I               would               suggest               you               check               out               what               is               available               in               your               area.






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    About 'united healthcare online'|United, more.







    About 'united healthcare online'|United, more.








    In               recent               years,               there               has               been               a               strong               push               for               a               universal               healthcare               plan               in               the               United               States.

    Many               would               like               this               reformed               healthcare               system               to               emulate               the               European               national               health               plans.

    People               across               the               country               see               that               our               healthcare               system               is               in               crisis,               with               millions               of               people               who               are               uninsured               and               prices               that               are               skyrocketing.

    The               American               healthcare               crisis               is               actually               one               of               affordability               rather               than               access               to               healthcare.

    There               are               very               few               people               who               cannot               find               healthcare;               the               problem               is               that               many               people               cannot               afford               the               healthcare               that               is               available.

    This               is               true               even               though               laws               require               hospitals               to               treat               patients               regardless               of               their               ability               to               pay.
                   A               common               myth               is               that               universal               government               healthcare               would               be               free               or               cost               less               than               private               healthcare.

    This               belief               violates               several               economic               principles.

    First,               the               money               to               pay               for               health               professionals,               medicines,               and               facilities               has               to               come               from               somewhere.

    If               consumers               don't               pay               for               these               services               directly,               they               will               pay               indirectly               through               higher               taxes.

    Second,               as               the               perceived               price               decreases,               demand               will               increase.

    In               other               words,               when               people               believe               that               they               won't               have               to               pay               for               their               healthcare,               they               will               use               more               health               services.
                   As               demand               increases               to               exceed               the               available               supply               of               health               services,               the               government               will               have               to               take               action.

    The               government               will               have               to               limit               the               amount               of               services               to               keep               the               cost               of               the               healthcare               system               from               exploding.

    There               are               several               ways               to               do               this.

    First,               they               might               impose               rationing               and               limit               the               availability               of               services.

    A               second               option               would               be               increase               the               amount               that               patients               pay               for               their               healthcare.

    This               could               be               similar               to               the               health               insurance               premiums               and               co-payments               that               many               health               insurance               policies               contain               now.

    A               third               option               would               be               for               the               government               to               do               nothing               and               simply               allow               shortages               to               build               in               the               system.
                   A               third               problem               is               that               government               healthcare               will               likely               create               a               shortage               of               healthcare               professionals.

    The               government               will               undoubtedly               attempt               to               rein               in               costs               by               imposing               price               controls.

    It               has               already               followed               this               strategy               in               government               healthcare               programs               that               have               already               been               enacted               such               as               Medicare.

    Medical               training,               especially               for               doctors,               is               a               long               and               expensive               process.

    The               motivating               factor               for               many               doctors               is               the               financial               reward               at               the               end               of               the               process.

    When               the               government               removes               the               financial               incentive               for               becoming               a               doctor,               fewer               people               will               choose               to               become               doctors               and               shortages               will               result.

    This               is               especially               likely               due               the               increasing               need               for               doctors               in               the               United               States               and               the               Baby               Boom               generation               ages.
                   These               problems               can               be               seen               in               national               healthcare               plans               around               the               world.

    Even               highly               touted               plans               such               as               those               in               Britain               and               Canada               commonly               have               long               wait               times               for               care               that               is               easily               available               in               the               United               States.

    Last               year               it               was               revealed               that               government               bureaucrats               in               England               had               attempted               to               solve               the               problem               of               long               emergency               room               waits               by               keeping               thousands               of               patients,               some               critically               ill,               in               ambulances               for               as               long               as               five               hours               before               moving               them               to               the               emergency               room               waiting               list.

    This,               in               turn,               meant               that               the               ambulances               were               not               available               to               help               other               sick               or               injured               people.

    It               should               not               be               surprising               that               many               Europeans               and               Canadians               who               can               afford               it               travel               to               the               United               States               for               health               care               rather               than               waiting               in               line               for               "free"               care               at               home.
                   The               problems               are               not               just               in               other               countries.

    In               2006,               Massachusetts               passed               a               state               healthcare               plan.

    Former               Governor               Mitt               Romney               touted               the               legislation               in               his               bid               for               the               2008               Republican               presidential               nomination.

    More               recently,               the               state               has               begun               to               experience               many               of               the               same               problems               plaguing               nations               with               socialized               healthcare.
                   Recent               statistics               show               that               visits               to               emergency               rooms               in               Massachusetts               have               increased               since               the               health               reform               went               into               effect.

    The               percentage               of               uninsured               patients               in               ERs               has               not               changed               (in               spite               of               laws               making               health               insurance               mandatory),               while               the               percentage               of               more               affluent               patients,               who               in               the               past               got               care               at               a               doctor's               office,               has               increased.
                   Similarly,               the               dramatic               increase               in               the               numbers               of               people               seeking               care               has               made               it               difficult               for               many               patients               to               see               a               primary               care               doctor.

    This               is               compounded               by               the               fact               that               doctors               are               allotted               a               certain               amount               of               time               that               they               are               paid               for               with               each               patient.

    If               they               exceed               this               time,               they               are               not               compensated               for               the               extra               work.
                   The               Massachusetts               government               had               hoped               that               the               legislation               would               encourage               more               employers               to               provide               health               insurance               for               their               employees.

    Instead,               the               newly               insured               people               of               Massachusetts               are               primarily               involved               in               state               paid               or               subsidized               programs.

    16%               have               their               health               insurance               paid               by               the               state               through               Mass               Health,               while               41%               are               enrolled               in               the               subsidized               Commonwealth               Care.

    In               all,               about               three-fifths               of               Massachusetts               residents               receive               free               or               subsidized               health               insurance.

    Approximately               5%               of               the               people               of               Massachusetts               remain               uninsured.
                   The               high               number               of               people               receiving               government               assistance               for               their               health               insurance               has               led               to               rapidly               increasing               costs               for               the               state.

    The               cost               of               Massachusetts'               plan               has               increased               by               a               staggering               42%               since               2006.

    In               order               to               control               costs,               current               Governor               Deval               Patrick               is               considering               price               controls,               limits               coverage,               more               exclusions,               and               an               overall               spending               cap.
                   The               federal               government               already               faces               similar               problems               with               Medicare.

    Medicare               is               an               unfunded               liability               that               poses               huge               problems               for               our               budget               over               the               next               few               years.

    Medicare               will               soon               begin               paying               out               more               money               than               it               takes               in               and               will               be               bankrupt               by               2019               unless               changes               are               made               to               increase               Medicare               taxes,               cut               benefits,               or               some               combination               of               both.
                   Some               countries               in               Europe               may               go               a               step               further               by               limiting               the               treatment               available               for               the               elderly,               terminally               ill,               and               infants.

    The               amount               of               return               in               the               form               of               tax               revenue               from               these               patients               is               limited,               so               the               government               health               bureaucracy               doesn't               want               to               spend               resources               on               expensive               cures               and               treatments.

    In               Holland,               euthanasia               is               already               common,               both               for               the               elderly               and               for               infants               with               health               problems,               sometimes               without               parental               consent.
                   The               best               way               to               solve               the               healthcare               crisis               in               the               US               is               to               reintroduce               competition.

    Most               Americans               are               locked               into               employer               health               plans               with               specified               co-payments.

    Because               there               is               no               choice               of               coverage               and               no               price               difference               between               doctors,               there               is               no               incentive               to               shop               around               for               a               better               deal.

    Most               people               don't               even               know               how               much               their               doctor               visits               cost               beyond               the               co-payment               or               deductible.
                   Employer               paid               health               insurance               should               be               eliminated               in               favor               of               health               savings               accounts               (HSAs).

    Consumers               should               contribute               money               to               their               account               and               use               it               to               pay               for               care.

    If               money               is               not               spent,               it               should               stay               in               the               account,               earning               interest,               until               needed               or               until               the               consumer               meets               the               requirements               to               withdraw               it               for               other               purposes.

    This               would               encourage               people               to               shop               for               a               good               and               inexpensive               doctor,               and               also               discourage               frivolous               claims.
                   Similarly,               state               governments               should               resist               the               temptation               to               make               health               insurance               all               things               for               all               people.

    When               laws               mandate               coverage               for               things               that               not               all               people               want,               it               drives               the               costs               up               for               everyone.

    For               example,               not               all               people               want               or               need               coverage               pregnancy,               sex               changes,               chiropractors,               or               "recreational"               drugs               such               as               Viagra.

    People               should               be               allowed               to               buy               simple               and               cheap               major               medical               policies               for               no-frills               coverage.

    If               such               a               policy               is               not               available               in               all               states,               people               should               be               allowed               to               cross               state               lines               to               purchase               it.
                   Some               of               the               best               advances               in               affordable               coverage               in               recent               years               have               come               from               the               private               sector.

    For               example,               Wal-mart               introduced               $4               generic               prescriptions               and               was               followed               by               several               other               chains.

    Now               consumers               can               get               prescription               antibiotics               totally               free               at               Publix.

    Similarly,               some               stores               now               offer               on-site               clinics               staffed               by               nurses               for               minor               healthcare.
                   Universal               government               healthcare               has               been               tried               around               the               world               and               has               typically               not               worked               well.

    If               it               is               enacted               in               the               United               States,               we               can               expect               to               move               from               our               private               health               system               to               one               that               has               the               efficiency               of               the               DMV,               the               cost               of               the               Department               of               Defense,               and               the               bedside               manner               of               the               IRS.

    Is               this               the               change               that               most               Americans               are               looking               for?
                   Sources:
                   http://www.dailymail.co.uk/news/article-515332/A-E-patients-left-ambulances-FIVE-hours-trusts-meet-government-targets.html
                   http://blogs.wsj.com/health/2009/04/24/as-insurance-coverage-increases-ers-get-busier/
                   http://www.npr.org/templates/story/story.php?storyId=97620520
                   http://www.hschange.org/CONTENT/1021/
                   http://online.wsj.com/article/SB123811121310853037.html
                   http://online.wsj.com/article/SB120373015283387491.html
                   http://www.telegraph.co.uk/news/uknews/1576704/Dont-treat-the-old-and-unhealthy-say-doctors.html
                   http://www.discovery.org/a/2478               







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