Health Care Through A Health Magazine

If you love yourself then you should keep watch on your health and fitness. You need to understand about your nutrition, fitness, health and food regularly. Health is important for both men and women. Everyone should take of their health to keep fit and healthy.

To be fit and health, you have to monitor your fitness regularly. Like you should keep watch on your weight, metabolism, regular blood tests and important things happening around the people you live. You can get updated with all new fitness methods and latest emerging diseases today.

Health magazine is the only reliable and good source to guide you on every issue on health. You can know about fitness, exercises, eating patterns and things to improve your overall health. These magazines also include tips for personal care, physical fitness, avoiding injuries, winter and summer wearing guide and how to protect from different viruses.

These magazines cover different issues related to mens health and women health. You can find safe sex tips, skin care, care for hair and latest drugs available in market for human health development. You can also find safe cooking methods and tips to make different recipes.

In the health magazine, you can find stories of real people and how to cure from deadly diseases. You can find celebrities interviews and their practices for personal development. You can get advices from professional doctors and health experts. It also include solutions with help of allopathy and homeopathy.

You need to be informed if you are suffering from any diseases. Like you are a patient of sugar and doctors have told you to keep watch on your sugar daily. You need to keep watch on sugar intake in your body on daily basis. You can get to know about latest techniques to control your sugar with the help of a health magazine. These magazines are proved very useful to be informed on latest technique used worldwide and your doctor might be able to tell you about these latest medical solutions. So a health magazine can turn your miserable life into happy living.

You can look for specific symptoms you have to get solutions for cure and fitness. You can get information on every topic of human health. Subscribing to these magazines is the best way to be updated with the latest happenings around the world in health care industry. For health and wellness, subscribe this growing health magazine today.

Private Health Insurance Vs Public Care

Australians are lucky when it comes to health care. When illness or injury strikes, there is no question regarding your access to health care, whether or not you own private health insurance.

The Australian government guarantees that everyone is entitled to Medicare to help cover many medical needs; but few people realize what the limits of their Medicare coverage are, and where private health cover fits into the equation.

When you don’t have a solid understanding of the difference between what Medicare covers and what your health insurance covers, it’s difficult to make the best decisions for yourself and your family when it comes to planning for the future and protecting your finances if an unexpected illness or injury disrupts your lives. By comparing health plans, you can get a better idea of how much private health coverage actually costs, and what it can do for you.

Who needs private health coverage? Doesn’t Medicare cover all of your health insurance needs? What if you’re a young couple or family with no reason to worry about health issues?

It’s important to start by understanding how Medicare works, and what coverage it does and does not provide.

Medicare was introduced in Australia in 1984 as the country’s public health cover system, guaranteeing access to free or low-cost medical and hospital care for every Australian citizen and permanent resident.

The Medicare system offers access to a public hospital and treatment by a hospital appointed physician. While Australians receive excellent care through the Medicare system, there are little to no options when it comes to selecting the hospital in which you will be treated, or even when you will be admitted.

Under Australia’s Medicare program, any treatment that does not fall into the “emergency” category is considered to be elective, which places patients on a long public hospital waiting list to be seen.

Australians can improve their health care situation by purchasing private health cover to augment Medicare, which you retain even when your private health plan takes effect. When your health insurance strategy includes a private policy in addition to Medicare benefits, you have the option to choose treatment as either a private or public patient in a private or public hospital. The decision is up to you.

People with private health coverage earn choice and flexibility when it comes to their own care. Your health insurance allows you to choose the physician or specialist responsible for your treatment, the schedule for admission to the hospital for treatment, and quicker access to any elective surgery you may be having.

Your insurance will cover most if not all of those costs that Medicare does not pay, and you can avoid waiting on a public hospital list for the treatment you need.

It’s important to check with your insurer and read your policy details before you schedule a hospital stay to be sure your health insurance covers your particular procedure.

When it comes to receiving treatment outside of a hospital, Medicare will cover 100 percent of the cost to visit a general practitioner, specialist, or medical center. In fact, your private health plan cannot by law pay for costs incurred when visiting a physician or specialist outside of a hospital.

Still, there are plenty of medical services that Medicare does not cover, but your health insurance can, including:

– Physiotherapy.
– Chiropractic services.
– Remedial massage.
– Psychology consultations.
– Ambulance.
– Most dental exams and treatments.
– Hearing Aids
– Glasses and contact lenses.
– Podiatry.
– Certain therapies including occupational therapy, speech therapy, and optical therapy.
– Natural therapies like acupuncture and homeopathy.

If you or your family needs or wants access to these services, your private health plan can include coverage for the specific treatments you will be seeking.

The best way to make realistic decisions regarding your family’s coverage is to first make sure you have a good understanding of Medicare. Determine what coverage your family needs according to your age, lifestyle, and whether or not any preexisting conditions need to be considered. Compare health insurance policies to find the best coverage to fit your needs and your budget.

Speak to an insurance consultant and ask for a thorough explanation of all the benefits available to you, both through Medicare and your private health insurance. No one can put a price on the health and financial well-being of their family. Augmenting your Medicare benefits with private health coverage in an excellent way to achieve financial protection and peace of mind.

Health Care Reform Made Simple

My name is John Ross and I have spent my entire 40 + year career in health care. Specifically, my background and experience is in developing and managing evidence planning, reimbursement applications, and health economics strategies for a number of fortune 500 health care technology businesses. In short, my job was to help the companies that I worked for to understand the health care market place from three important perspectives. The first was to answer the question; “What can we expect to be paid for the medical technologies we are developing and planning to market? The second question; “will the results and/or lower costs associated with the use of these medical technologies justify the payment level we think they deserve? Finally, what product development, marketing and sales strategies do we need to employ to insure that our future medical technologies are quickly accepted by hospitals, physicians, payers and patients? Obviously with such a focus I had to deal with Medicare (health insurance for folks over age 65 and the disabled), Medicaid (state-run insurance programs for the less fortunate) and commercial health insurance companies (the companies that insure and administer employer-based health insurance plans). I also spent a lot of time assessing the needs of physicians, hospitals and large integrated health care delivery networks that purchase and use a wide array of medical technologies.

From a funding standpoint I have seen America’s health care system go from almost “anything goes” to today’s increasing focus on cost and outcomes. Outcomes, is just another way of asking the question; “for the dollars we are spending nationally or on a particular patient’s disease or injury are we getting a good value in return? In other words, is the price of the drug, medical device, procedure, diagnostic or surgical intervention worth the cost in terms of better results and lower costs compared to how we would traditionally manage this patient’s condition?

This blog is a forum for talking “honestly” about:

1. Where health care in America is going?

2. Why it is going there?

3. What can we expect from tomorrow’s health care system compared to what we have become used to?

4. What we can do to the best of our ability to use less of it (think preventive health strategies)?

5. How we should think about and help those unfortunate individuals, young and old, who need more of it than we do?

6. How can we help to make sure those who need health care get access to good health care when they need it?

7. What can we do to increase the chances that state of the art health care will be there when we need it and at a price we can afford?

I will also provide education as to how the health care system works from the various perspectives of the stakeholders. It is vital that we understand these perspectives, what drives them and the many conflicts that exist. Areas to cover will be:

1. What is happening to hospitals and physicians in this changing health care landscape?

2. What is happening to the development of innovative future medical technologies and pharmaceuticals?

3. Where is Medicare policy going with regard to payments to physicians and hospitals and other care settings?

4. What is the future of employer-sponsored health insurance plans?

5. Where is changing with regard to private health care insurance companies?

6. What will happen to patient costs?

7. What can I do to avoid premature, unnecessary or unproven health care interventions?

8. What role will “evidence and data” play in the future in giving us more information from which to make personal or family member health care decisions?

I would like this to be the place that you can visit when you hear politicians or anyone else for that matter promising something from health care that just doesn’t make sense. We all know the feeling we get when we hear an “it’s too good to be true” story. When we hear such fantastic promises, we better check it out and this will be a place where you can do that. So, bring your concerns and questions and I will do my best to help you to check them out!

Have you heard this one; “under my health plan, you need not to worry. Your costs will remain reasonable, you can keep your doctor and you will have access to state of the art health care”. Or, “it is every ones right to access the very best in health care, young and old, rich and poor no matter your ability to pay.” This would be nice but it is simply not reality and it is time that we talk about these things and deal with them with our rose-colored glasses removed. So, no matter what your point of view on this subject I encourage you to visit ask and comment. We need a grass-roots effort aimed at understanding health care and in particular we need to talk about its funding limits and what we can do to assure that those who need it – get it, and at a level of quality and at a manageable cost such that we can afford it as a nation. If we don’t do this it is highly likely that health care as we have known it America will not be available when we face our own or a family members serious and costly illness.

The fundamental flaw in our individual approach to health care is the notion that we have no responsibility for it except to expect it to be there, with no delay, and at state of the art levels of care. And that for the most part it should be paid for by someone else. Most politicians right now are not leveling with us. They don’t want to address the areas that I have addressed even in this my first edition health care blog. Well, I think that we are better than that! I think with the right information we can manage through the changes that are coming. We want to do the right thing but to do so we have to be informed as to how stretched the health care system is and what we can do to unburden this precious resource.

First, we can stretch health care dollars and resources by taking better care of ourselves. The goal is to do what “we” can do in terms of learning about and practicing preventive disease strategies, thereby reducing the amount and cost of health care interventions we need. By behaving this way we free up our local health care systems funding and limited physical capacity to treat those who are truly in need. Every one of us that invests in preventive disease strategies will find that the beneficiary is you, your family, and your finances. Pretty tangible benefits wouldn’t you say? Perhaps bigger than that is what this behavior and better health for yourself and the avoidance of chronic diseases such as high blood pressure, heart disease, pulmonary (breathing) conditions, diabetes and a host of other conditions can do to unburden the nation’s health care system. We need to preserve it, both in terms of resources and dollars, for those who are less fortunate and have to access the system for serious health problems. How good would that feel?

Some would say that America is a scary place to be these days. The events of 9/11, the Iraq and Afghanistan wars, continued threats from terrorism, the housing and subsequent financial meltdowns, the political infighting that gets us nowhere, and yes the health care crisis. These all create the tendency to make us want to “wring our hands” instead of “wringing the necks of politicians” that refuse to provide the leadership that we need.

I have come to a conclusion. I have seen enough to know that the leadership we need has to come from us, the individuals who make up the electorate. Waiting around for politicians to act means we don’t understand the world of politics. Politicians only move in one direction or another when an exercised and voting electorate (that’s us) frames the issues and leads the way to a solution. It is almost never the other way around.

Bringing it back to health care and the question of what one individual can do to improve things, it starts with one individual and another until we have millions pulling in the same direction. If we manage our health to the best of our ability (and I want to emphasize, truly to the best of our ability) and access the health care system only when we need it, paying a little more out-of-pocket for the incidental and non-life threatening ills and spills we all experience, the system could accommodate us all when we really need it.

So there it is in a nut shell – I have spelled out what I believe is our responsibility; that if we all pulled in the same direction as described above (think of disease prevention and what this can do for you and those who do need to access the health care system) we would dramatically and permanently free up this precious and finite resource and it would be there for others in need and, when we need it and in most cases at far less cost. We are all in this together folks, rich and poor, the older among us and the younger and if we just act responsibly and for the good of others in this matter, we would solve the problem. And then, we could work on the next challenge and the next one after that until we see clearly the power of teamwork – “all for one and one for all”. That kind of thinking and behavior can work wonders. We all know it deep down – so let’s just do it!

Look for a weekly newsletter and articles that will deal with everything about health care in America. Look for weekly newsletters that discuss changes coming to employer sponsored health care benefits, changes coming to Medicare and Medicaid plans, new technologies that should be of interest, and articles and commentary with regard to state and national healthcare policies as they develop in the months and years to come. Any kind of question you have about health care I can help to point you to resources that will answer these questions. The specifics about your employer sponsored insurance plan, Medicare, Medicaid and how you can incorporate disease prevention strategies into your life with their big benefits. Ask away and if I don’t know or can’t find the answer, maybe one of this blogs participant’s will know. We are all in this together and as long as we believe that and look out for each other – everything will be alright!

Reclaiming Good Mental Health

What is good mental health? We are all more or less mentally healthy, and this usually varies through our lives especially as we deal with difficult life events, change and so on. Whether we call this psychological wellbeing, happiness, contentment, positive mindset, all these terms relate to good mental health.

With our physical health, it’s part of our everyday discourse to be aspirational. We want to feel physically fit, energetic, strong, balanced in our weight, eating a healthy diet, supple, resilient and not prone to minor ailments. Sure we complain about our problems, and talk about how we can’t do all the things we know we ought to do. We know it’s not easy to stay physically healthy without working at it, especially if we’ve experienced health problems. We know that even if we reach the peak of physical fitness, we can’t maintain this for the rest of our lives without paying attention to it.

Research tells us that good mental health is even more beneficial than good physical health. A positive mental outlook increases the rate and speed of recovery from serious, even life threatening, illness. Psychological resilience and wellbeing gives people the strength to turn problems into challenges into triumphs.

Yet whenever I ask a group of people to tell me what words come into mind in relation to ‘mental health’, their responses are about mental ill-health! It’s as if the term has been hi-jacked to become totally problem-focused.

In the meantime, we’re experiencing an epidemic of mental ill-health. About 1 in 4 people are experiencing some form of common mental health problem such as depression, anxiety and various stress related symptoms. GP surgeries are overwhelmed with such problems, mental health services are only able to provide support for the 1% of the population with much more severe mental health difficulties, and there’s a plethora of largely unregulated services, treatments and remedies out on the private market. A recent research study showed that the majority of long term sickness absence from work resulted from stress related conditions.

The trouble with focusing on the problems and the pain, is that that’s what we become experts in. We’re looking for cures and treatments to fix the problem, instead of focusing on what makes for good mental health. We know that physical health is multi-dimensional – no-one imagines that pumping iron to build your muscles is a recipe for overall physical health, although it will certainly make you stronger for certain activities.

So what are the essentials of good mental health?

Connection is certainly one of the best known. Having positive close relationships is good for our mental health, as is having a wider network of friends, colleagues and acquaintances which will vary over time. Giving to others is another really important aspect of connection, improving our sense of self worth and wellbeing.

Challenge is about learning and development, it’s how we grow. For children, everyday brings new challenges, yet as adults we often become increasingly fearful of change, unwilling to learn new skills or put ourselves in unfamiliar situations. So expanding our comfort zone, sometimes in small ways if we’re feeling particularly vulnerable, will help develop our self-confidence and sense of personal achievement.

Composure means a sense of balance, and ability to distance ourselves from our thoughts and emotions. It means our ability to respond rather than react. This could be described as our sense of spiritual connection, which may come through a particular belief or faith, or may be found through connection with nature. A mentally healthy person will feel an inner strength of spirit, and find ways to support that.

Character relates to the way in which we interpret our experiences and our responses to them. We all have our own personal story, or stories, which we may or may not tell others. We may cast ourselves as the hero, the victim or the villain, and however we do this will impact generally on our mental health. Someone who has experienced severe life trauma may have great difficulty piecing together their story at all, leaving them feeling literally fragmented. Good mental health means having a strong sense of personal values, awareness of our own strengths, skills and resources, and personal stories of learning from mistakes, survival, success and appreciation.

Creativity represents the fun, childlike aspects of our mental health. As children we are naturally creative and we play. As we grow into adulthood, our creativity and playfulness is often discouraged or devalued, and this can cause great frustration, literally diminishing the capacity of our brain to function as well as it could. Exploring creative activities has often been found to have a powerful therapeutic effect, and good mental health certainly depends in part on opportunities to bring fun, playfulness and creativity into our lives.

These 5 C’s of good mental health offer a framework within which we can think about our mental health in the same way as we might our physical health. It’s pretty damned hard to be a perfect specimen of physical health,but then who needs to be perfect? Just like our physical health, our mental health is a work in progress and always will be.

In years gone by, many people with physical illnesses were treated cruelly because of ignorance and shame. I recall when cancer was spoken in hushed whispers as the Big C. Nowadays mental ill-health is the ‘elephant in the room’ which we need to be looking at long and hard, exposing to practical common sense and intelligent discussion.

World Mental Health Day on October 10 has been a timely reminder that good mental health really is something we can aspire to for everyone. Let’s make it so!

Two Ways to Fight the Rising Cost of Health Care

The next time you visit a health care provider make sure you are paying the contracted rate and you are in network. This will help you save money and ensure that you are getting the benefit from your health insurance.

#1 The Contracted Rate

The contracted rate is a critical component of the insurance industry. In my opinion it is the single most important aspect for why everyone should have coverage. The usual and customary charge by any physician, hospital, pharmacy, or lab facility is a fraction of what the charge is with health insurance versus not having coverage.

The contracted rate is the negotiated rate agreed upon between your health care provider and the insurance company. Your portion is only a fraction of what the total bill may be. This is what will save you thousands of dollars the next time you need an expensive procedure. The balance of the claim for that expensive procedure is written off.

Example #1 the cost of a covered service at the hospital is over $30,000. Mr. Smith receives a final bill totaling $1,500 and the rest of the balance is written off due to the contracted rate.

Note: A list of covered services is found in your evidence of coverage when you were approved for health insurance. Call your health insurance company for a copy if you do not have a copy at home.

Example #2 Mrs. Jones goes in for knee surgery. The claim is for $8,800. Mrs. Jones only pays $1,100 and the balance is written off due to the contracted rate.

While many will argue that the cost of health insurance is expensive, the cost of receiving the health care you need without health insurance is astronomical by comparison.

Make sure that you pay the usual and customary rate or contracted rate on all of your health procedures and health claims every time.

One way to ensure that you are paying the contracted rate is to work with a licensed insurance agent in your state. This agent will also help you with your claims as well.

And remember, always stay In Network.

#2 In and Out of Network

When you are In Network, the health care provider accepts your health insurance.

Hospitals, your doctor’s office, labs, specialists, your pharmacy, and any health care provider you visit must accept your insurance for you to receive the contracted rate.

Staying In Network ensures that you pay the contracted rate.

The very best way to ensure that your health care provider accepts your insurance is to simply ask them and confirm. Remember, you will not get the contracted rate unless you are In Network.

A second way to ensure that you are In Network is to verify with your health insurance company or your licensed insurance agent.

Your insurance company can help you by mailing another copy of your coverage benefits summary along with a directory of health care providers that will keep you In Network. Your licensed insurance agent will also have access to the information in case you cannot find your doctor in the directory that your insurance company provides you.

Now, if you go “Out of Network”, it means that the health care provider you visit may not accept your health insurance coverage that you are paying for. In this case the visit will be very costly to you.

In most instances, going Out of Network will cost you more than twice the amount had you stayed In Network.

This day and age health insurance companies do such a great job in growing their network that you can travel outside the U.S. and still visit a health care provider that is In Network.

A company like Blue Shield automatically enrolls you into a plan that will allow you to carry an insurance card outside of your state or outside of the U.S. so that you are In Network in case of an emergency.

To find out if you can stay In Network the next time you are travelling outside of your state or outside of the U.S. simply contact your health insurance company and ask.

Final Thought

Now, more than ever, it is important that you educate yourself on the topic of Health Insurance in this country.

DO NOT GET LOST IN THE POLITICS AND THE MILLION AND ONE OPINIONS HEARD DAILY ON THE NEWS!

These people are not in your living room helping you understand how best to plan for your healthcare needs this year. Make sure that you always stay In Network and that you are paying the Contracted Rate.