California Health Care Insurance – Drug Matters And How They Affect Your Rate

1. Buying your prescriptions on the internet is a sure way to bring down your health care costs. You can also get cheaper prices if you buy by phone. Companies who sell online have lower overheads than brick and mortar businesses and these means they can and do sell at lower prices.

But if you choose to buy online try to find out a little about whom you’re buying from because there are wolves online. It’s quite easy to do these by checking a resource like BBB. Don’t forget that while we want to save costs we also want to stay safe. Checking with BBB online and other such services will help stay safe while you buy at the best rates online.

2. There are popular name brands in the pharmaceutical industry. Drugs that have such brand names cost a lot more than comparable drugs and so increase your health insurance cost.

Just in case you don’t know, the law stipulates that every drug must have the same active ingredients whether they are brand name or generic. Where they can have any difference is in the inactive ingredients. The truth then is that you only spend more when you buy a bid brand name drug and do NOT get anything more in value.

Ask your doctor about this.

You can get affordable California health care insurance even if you don’t implement the steps stipulated above provided you do the following…

Get and compare California health care insurance quotes from five or more insurance quotes sites. The more quotes sites you get and compare quotes from, the more the likelihood that you’ll make bigger savings. So you’ll save much if you get health insurance quotes from a wider range of insurers (There are hundreds of them).

Health Care Marketing the Right Way

Marketing has become a very difficult task in today’s world because there are more and more companies opening. As a result, marketing is important and the competition is fierce. This is especially true in the health care industry. Healthcare is something that everyone needs and there are many hospitals and clinics within miles of each other. In this regard, the marketing becomes challenging, but there are professionals for that. Health care marketing is crucial to the life of the clinic or hospital.

Practicing physicians are constantly being challenged today with restrictions on insurance, policy, procedures, changes to the field, and the list goes on. Those practicing medicine should do what it is they went through so many years of school to do. As such, valuable resources don’t need to be spent in trying to market his/her clinic. Health care marketing groups boost the health of their practice with solid marketing expertise, and that includes strategic solutions that help you reach your goals. Most importantly they continue to monitor the growth of the business.

Marketing and advertising is an ever-growing field and newer techniques are always being implemented because of the changes in the business world. Let them take care of you in every way possible. There are several ways that health care marketing is used today like website building, training staff, brochures and billboard usage. Now, more companies are going to the Internet to market their healthcare companies. The Internet is a vast space where a plethora of information is found.

Signs of Life in America’s Ailing Health Care System

Morton Mintz sat on our panel for “Guaranteed Health Care For All,” a Forum that Progressives For Pennsylvania organized 9/18/08. He is a media critic, freelance journalist at this point in his long and illustrious (sixty year) career.

He was a reporter for two St. Louis newspapers, the Star-Times and Globe Democrat from 1946-1958; and at the Washingtom Post, 1958-1988.

Morton Mintz wrote the article, “Single Payer: Good For Business” for The Nation Magazine, November 15, 2005.

Jerry Policoff created a PA Business Healthcare Report based, in part, on this and another Morton Mintz piece, as well as articles about Single Payer in the New York Times, a survey from the Kaiser Family Foundation, Pittsburgh Business Journal of Milwaukee and the Philadelphia Business Journal.

Why is publicly-funded, privately-provided healthcare best for Business in Pennsylvania?

*Higher quality, comprehensive healthcare at less cost

*Saves 25% on administrative overhead for doctors, hospitals and patients

*Makes business budgeting and investing predictable and stable

*Ends nightmare negotiations with insurance carriers

*Generates strong job growth, starting with medical delivery industries

*Makes PA businesses more competitive in the national and global economies

*Leverages the Commonwealth’s buying power to cut prescription drug costs in half

*Shrinks property taxes, auto insurance and workman’s compensation

*Funded through an annual fairtax that replaces an unfair premium/ co-pay/deductible that far outstrips inflation

Single payer, defined as publicly funded, privately delivered healthcare for all, is a system which includes free choice of physicians and cuts taxes for employers. Employers would no longer have to pay for medical care under Workman’s Compensation which, in 2002, according to Morton Mintz’s resources, costs them more than 38 billion dollars.

Automobile insurance rates would fall for everyone because the carriers would no longer be liable for the medical and hospital bills of their injured or sick employees.

Why doesn’t Corporate America jump at this opportunity to embrace Single Payer health care delivery?

Many small business owners do understand the ramifications of continuing along the same reckless path of allowing Health Insurance providers to dictate American healthcare delivery.

This is what a few business owners in Pennsylvania have to say:

“This year, our premiums went up 74%, which our agent thought was a mistake. We have a woman who is terminally ill with cancer and the insurance company stated this had nothing to do with our increase. No company, large or small, can absorb that kind of cost or increase.

“So what? Drop our coverage? And how do you live with yourself?” Scott Tyson, MD, CEO, Pediatrics South Pittsburgh. PA (60 employees).

“We work with the system we have, but it is broken, and it seems like single payer is the way to go. We work very hard to try and insure our employees because we feel it is our obligation. Every year we sit down and look at our health plan. We make choices based on what should we cover; what should we not cover; what should the deductible be; how much should we charge employees when they go to the doctor’s office. We make all those decisions. Our employees end up going along for the ride. It’s not right but it’s the way it is. It’s my obligation to try and protect our plan and get the best, cheapest plan I can for our employees so I can continue to provide health insurance for them.” Alan Jacobs, President, Isaac’s Restaurant in South Central PA (700 employees).

“Our insurance rates have more than doubled in the last four years. We are paying over 20% over our existing payroll just for health coverage, and at budget time, you don’t know what to expect. When you’ve had 25% increases, you pretty much have to say we’re going to to expect an increase of 35%, or higher.

“We are a for-profit organization: we can’t afford to pay that and still make money. Under single payer we’d save at least $50,000 which I could use to hire more people. This past year we increased the deductible, and it was painful for us to do that. If we pass single payer, we’re going to attract business. There is no manufacturer that won’t want to locate to Pennsylvania because you can predict your expenses year after year. You would have stable costs.

“And everybody’s in and nobody’s out.” Charlie Crystal, Owner and CEO, Mission Research, a software firm in Lancaster, PA

“I believe it’s a moral obligation to provide healthcare for all employees. Six years ago I was paying $176 a month per employee for their health benefits. Last year it went up $577. This year it went up $627. They’re telling me next year it’s going up another 20 or 30%, and it’s not going to stop. It doesn’t make moral sense. It doesn’t make political sense. And it doesn’t make business sense.” Mike Stout, President, Steel Vally Printers of Pittsburgh PA (17 employees).

Morton Mintz interviewed Deborah Richter, a Vermont Physician, who believes publicly financed and privately delivered healthcare system can be enacted in every state. She believes that single payer should be conceived “as a public good, such as our roads, education, police and fire protection.”

She believes that if single payer is viewed as a practical issue as opposed to a moral issue, then support for Guaranteed Universal Healthcare would gain momentum overnight.

Home Health Care – Selecting The Right Agency

Hiring a caregiver to come into your home to care for a loved one can be a very scary prospect. The thought of leaving a vulnerable senior or disabled adult alone with a stranger can add extra stress to an already difficult situation. Selecting a person or agency to provide these services takes research and time. There are really two ways to bring in home health care services, hire a person you find on your own, or work with a professional agency.

Professional Home Health Care service providers can basically be broken down into two different models, the registry model (Registry) and the employee based model (Agency). Both types can offer the services of home health aides (HHA’s) certified nurses aides (CNA’s), nurses (RN’s, LPN’s), companions and other services such as physical therapy (PT) and occupational therapy (OT) The question for many consumers, what is the difference and which type is right for them.

Nurses registries have been around since the civil war. In this model, an agency does all of the background work, such as interviews, criminal background checks, reference checks and any other checks they feel necessary. Once a candidate has been approved, the registry will refer them to the person in need. The caregiver is considered an independent contractor by the agency and not supervised directly by the agency. This is also called the consumer directed model as the consumer is the person in charge.

With the employee based model, the agency does a similar type of screening; however, instead of referring the caregiver to the consumer, the agency employs them.

Each model has its’ pros and cons.

Pros of the registry model include

Cost of the service is generally lower than agency model.
Caregivers usually earn more, which tend to attract a higher quality of caregiver.
Consumer is in total control. They decide what gets done, when it gets done and how it gets done. They decide if the caregiver stays on the job or needs to be replaced.

Cons of the registry model include:

Person is not supervised by agency nurse.
Caregiver is not covered by WC insurance.
Family may be the employer and need to take out payroll taxes.

Pros of the agency model include:

Caregivers are covered by workers comp and bonded by the agency.
Caregivers are supervised by agency nurse.
Agency is always the employer and deducts all appropriate taxes.

Cons of the agency model include:

Cost tends to be higher.
Caregivers do not earn as much as those on the registry side.
Agency has control over when and where caregiver performs their duty. Agency can pull a caregiver if they need that person for a different case.

You will find supporters for both sides. It is up to you to decide which type of business is right for you. There are several professional resources which can also be helpful when doing your research.

Resumes for Health Care Managers

Every good business needs to be managed by good people and the health care industry is no different. Finding the right people to fill vacant positions as Health Care Managers (or Health Services Managers) is no easy task. It means human resource departments have to sift through a lot of resumes and interview a number of job candidates to ensure the most qualified people are hired.

If you are interested in establishing yourself as a successful Health Care Manager, then you need to ensure your credentials are professional and well-presented. Is your resume doing enough to market your skills and abilities?

Creating a professional resume is something that anyone can do. All it takes is a little effort. Of course there are resume writing services which can offer a myriad of designs and approaches to resume writing, but there is a very real benefit from doing it yourself.

First, you become more confident of your skills and abilities. Second, you are far better prepared for the job interview. The reason is that you are given an opportunity to think about and review your personal and professional traits, your accomplishments and your talents. If you have someone else prepare your resume for you, there is not the same time for reflection.

As the needs in the health care industry change, you will need to be able to change as well. When your resume needs to be updated, you will have the ability to do so yourself – on your time schedule. If you use a service, you may have to wait until an appointment opens up, pay for the updated resume and then wait while it is being printed (which isn’t always immediately).

The job outlook for the health care industry as a whole is good, but especially for health care managers, administrators and executives. The demand for managers who can control costs as well as increase efficiencies will be the highest. Make sure you do all that you can to present yourself in the best possible light with your resume and cover letter.

When you create a professional resume that highlights your best accomplishments and experience, you will have a much better chance of succeeding in winning a job offer that provides you with everything you need to have a great career.