레이블이 United Health Care Member Services인 게시물을 표시합니다. 모든 게시물 표시
레이블이 United Health Care Member Services인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 29일 금요일

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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      ... able to find the member online on United's website (which is actually... to at United Healthcare has been very nice...
    11. United Healthcare Online - Blog Homepage Results

      ... Robot Moonbattery National Review Online News With Views NewsBusters...Politics Red County REDSTATE Regular Folks United Right Bias Right Wing News Rush Limbaugh S. E...
      ...the same look a little later as we were talking about universal healthcare (or “socialised medicine” as it is sometimes pejoratively labelled...



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    2013년 11월 27일 수요일

    About 'united healthcare providers'|United Healthcare Settlements Part II - A Nationwide Healthcare Database







    About 'united healthcare providers'|United Healthcare Settlements Part II - A Nationwide Healthcare Database








                   My               parents               are               approaching               retirement               and               planning               to               move               to               a               more               rural               area               of               the               United               States.

    With               a               report               by               the               American               Association               of               Medical               Colleges,               it               is               estimated               that               we               will               need               more               than               20,000               new               primary               care               physicians,               in               rural               areas,               to               meet               the               demand               of               retirees.

    Based               on               this               information,               I               have               tried               to               address               these               concerns               with               my               parent's               health               care               access               and               feel               you               may               want               to               do               the               same.
                   While               the               cost               of               living               in               rural               America               is               typically               cheaper,               if               you               have               a               pre-existing               health               condition               there               could               be               challenges               to               acquiring               quality               care.

    Lack               of               doctors               is               the               primary               focus               of               the               report               by               the               AAMC,               in               which               they               acknowledge               that               physicians               in               rural               areas               are               typically               not               working               in               specialty               as               a               wider,               and               more               available,               patient               base               is               found               in               traditional               family               practice.

    For               my               parents,               if               there               are               any               specialty               healthcare               services               they               need,               while               living               in               a               rural               area,               it               may               be               more               challenging               to               find               the               care               they               need,               especially               in               emergency               situations.
                   In               addition               to               lack               of               specialized               services               in               rural               areas,               another               cause               for               concern               is               the               lack               of               available               health               services               accepting               Medicare               as               a               form               of               payment.

    Because               the               federal               Medicare               program               typically               pays               for               rural               healthcare               expenses               at               a               rate               less               than               that               of               the               urban               healthcare               system,               healthcare               services               are               limited.

    While               there               may               be               physicians               and               health               providers               in               a               town               that               my               parents               decide               to               live               in,               the               fact               remains               that               some               of               the               health               services               may               be               prohibitive               for               them               based               upon               the               lack               of               Medicare               acceptance.
                   To               mitigate               these               financial               and               healthcare               access               risks               -               and               if               my               parents               continue               to               insist               that               retiring               to               a               rural               area               is               more               ideal               -               I               will               try               to               persuade               a               specific               move               that               will               provide               more               access               to               services.

    If               you               are               facing               the               same               dilemma,               try               to               find               areas               in               which               nurse               practitioners               are               abundant               and               work               to               encourage               a               move               to               a               state               where               nurse               practitioners               can               practice               care               without               the               direct               supervision               of               a               doctor.

    In               doing               so,               we               may               have               a               greater               opportunity               to               find               our               parents               the               healthcare               they               need               while               also               supporting               their               move               to               rural               living.

    Nurse               practitioners               may               be               in               more               abundance               and               pick               up               the               significant               shortage               of               physicians               we               need               in               these               areas.
                   Living               in               tiny               houses,               and               transitioning               to               rural               living               has               become               a               growing               trend               in               the               United               States.

    If               your               parents               are               like               mine,               and               if               you               are               concerned               about               their               health               care               access,               consider               these               disadvantages               and               work               to               mitigate               the               complication               by               finding               the               best               rural               area               with               doctors               and               nurse               practitioners,               in               specialty,               ready               to               take               Medicare               as               payment.
                   Resources:               
                   American               Associated               of               Medical               Colleges               Reports               on               Physician               Shortages
    Other               Resources               by               This               Contributor:
                   Single               Parent               Finances               &               Impact               of               Early               Roth               IRA               Withdrawal
    Save               Money               on               RV'ing               into               Retirement






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