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Tips to Find a Good Family Doctor

January 11th, 2021

When talking about healthcare for your family, it is very important for you to ensure that you have the most qualified doctor available. When you are moving to the new city or you want to change your doctors, there are several resources at your fingertips which can make the process easier. At this time, this article is going to deliver several tips that will help you to find a good family doctor. So, just take a look at the tips below.

The first thing that you should do is to locate phone numbers to the local hospital and then you need to call them for a recommendation. You also need simply let the operator to know that you are looking for the doctors in your area and then the operator will connect you with the right department.

The second thing that you need to do is to contact or call the American Association for checking the credentials of the prospective doctor. Besides, you also can check on any past complaints pertaining for the prospective doctor.

The third thing is to schedule the appointment with the prospective doctor for discussing about family healthcare and finding the approach that they prefer. Some doctors will choose for prescribing the medications for everything while the others will choose the more holistic approach. This can help you to decide if this is the right doctor for your family.

The fourth thing is to request the referral from your current doctor when you are moving to the new area. The doctors have many associates and they can often recommend someone they know or trust.

The fifth thing is to ask the other people about who their doctor is, about what they think about the specific doctor or the doctor that they would recommend. You should be prepared for some of very different viewpoints when you are doing this. One person may love the certain doctor while another may not like him at all.

Healthcare and Business 2010 and Beyond

December 15th, 2020

OBJECTIVITY AND CLARITY

Researching the necessary information to compile an objective perspective for this month’s newsletter was no small task. The quality, clarity and availability of credible, unbiased, unprejudiced sources on the subject was scant to say the least. As such, there are some elements of this issue that I was able to elaborate upon more expansively while others had to remain thinly interpreted. On occasion, to preserve information integrity I have broken down the legal jargon on more complicated insinuations of the law so that they are more simply put, but did not tackle the task of interpreting dual meanings. I have done my best to bring you fair, objective and credible insights into the impacts of this law on your businesses without clouding the waters with personal sentiment. I hope you find this information useful in charting your course ahead.

TIMELINE

Consider this, in 2009, the average cost of a family healthcare plan offered by employers was $13,375. Conversely, employees paid about 20% of the premiums (approximately $2,675) while the employer made up the difference (approximately $10,700 per employee). As the employer, if your employees elect coverage under the “Exchange,” you will still be obligated to cover at least a portion of their premiums on two levels, as an employer and as an individual taxpayer. While the actual amount of obligation is still unclear we can take this real example:

The average household income for a family of 3 is $50,303. Costs for individuals entering into the “Exchange” would be capped at 9.5% of their income or $4,779 per family, $2,100 more than they have previously paid into coverage.

So even if you, the employer, can save costs on premiums, you, the individual will still have to pay the difference one way or another while your employees end up paying more for coverage on average.

The following effects of the law will take place immediately:

i) Employers with no more than 25 full time employees and pay an average wage of $50,000 or less are eligible for phase one tax credits of up to 50% of the premium cost for 2 years if the employer contributes at least 50% of the total premium.
ii) Employers who provide Medicare part D subsidies to retirees will have to immediately revise their accounting practices to account for the future loss of that deductible item.
iii) Medicare payroll tax will be increased by.9% in addition to a new 2.9% Medicare tax on non-wage income such as dividends, interest and capital gains.
iv) Temporary re-insurance programs for employers providing retiree health care coverage to persons over the age of 55 will begin 90 days from March 23rd, 2010.
v) Pre-existing condition coverage begins 90 days from March 23rd employers are prohibited from sending individuals to high-risk pools and can be subject to stiff fines.
vi) Group plans can no longer favor highly compensated individuals starting 6 months from March 23rd.
vii) All self-insured plans within six months will have to cover dependents up to age 26.

Business Impact 2011:

i) All employers must include the aggregate cost of employer sponsored health benefits on their employees’ W2s excluding contributions to HSAs, Archer MSAs and salary reduction FSA contributions. This law goes into effect on benefits beginning after Dec. 31st, 2010.
ii) Tax on distributions for health savings accounts increases to 20% from 10% if distributions are not used for qualified medical expenses.
iii) Employers seeking to insure less than 100 lives can adopt “simple cafeteria plans.”
iv) All employers will be required to enroll their employees in a “national public long term care program,” unless the employee opts out.
v) All business owners will be subject to “expanded federal tax requirements,” on payments of fixed or determinable income or compensation.

Business Impact 2013:

i) Those who itemize their federal income tax returns can see their allowed deductions for unreimbursed medical expenses rise to 10% AGI from 7.5% AGI. This is waived for individuals over the age of 65 until 2016.
ii) All employers will be expected to notify their employees of the existence of state-based exchanges.
iii) “Cadillac Tax,” goes into effect. In case of a fully insured group, excise tax can be as much as 40% on plans with a value in excess of $8,500 per individual and $23,000 per family. This cost can be expected to pass fully to the employer.

Business Impact 2014:

i) An employer with more than 50 employees (either full-time, part-time or seasonal) that does not offer coverage but has at least one full time employee who receives a premium assistance tax credit to buy coverage through “the exchange,” must pay a fine of between $750 and $3,000 on each full time employee per year. Coverage must meet “required essential benefits” to be considered compliant.
ii) Construction industry must provide coverage for all employees if employing more than 5 persons and carries a payroll of more than $250,000.
iii) Employers with a waiting period for coverage of more than 60 days must pay a $600 per employee fine.
iv) The “employee free choice voucher program,” takes effect and requires employers who contribute into health care programs for their employees to give them vouchers toward the cost of coverage if said employee’s household income is less than 400% of the federal poverty level (about $60,000) and does not enroll in employer sponsored health care programs.
v) Employers of 200 or more employees will have to auto-enroll all new employees into any available employer-sponsored health insurance plan. Actual effective date is unclear and may be sooner but can be anticipated in 2014.

What You Must Know About Family Medicine

December 8th, 2020

A Primary care physician is required for those who have certain types of health care coverage plans. This type of doctor can perform physical exams, write prescriptions for your medication, make diagnoses, and treat common illnesses, ailments, and some chronic diseases like diabetes. You can locate primary care doctors in the online business directory, local telephone directory or a physician referral service can refer you to one in your area or surrounding area. These types of doctors provide care to all family members like adults, teens, children, and babies. Sometimes they may refer babies to a pediatric specialist. These doctors can be contacted online or by phone and many of them require you schedule an appointment unless you have an emergency.

Family medicine is also called family practice and this is known as a medical specialty devoted to people of all ages for comprehensive healthcare. If you have been diagnosed with a serious or disabling condition, then this type of practice will refer you to a qualified specialist who can treat you. When you make an appointment to be seen a the family practice, a representative, receptionist, or nurse will schedule one for you. When you arrive for your appointment, the nurse will record your vital signs and then the doctor will visit with you to treat your medical condition.

If you or your family member need a general doctor to treat minor illnesses or ailments, then you may schedule an appointment to be seen by a regular family doctor. This doctor can provide basic treatment and medication to all members of your immediate family. These doctors keep charts on file on your medical records and medical history. Sometimes this type of doctor may be able to help you with prescription medication costs by giving you sample medications they have in stock in their office. This type of doctor usually does not write prescriptions for narcotic pain killers. They can prescribe anti-inflammatory drugs for pain. Only a pain specialist can prescribe narcotic pain killers.

A family physician can provide the same quality healthcare as a family healthcare doctor, a primary care doctor or a family RN. They can provide medical treatment to all family members of all ages. They offer many great resources to help you understand your medical condition. They monitor your weight by taking measure with a scale. Their nurses in the office take blood pressure readings and record them on their charts. They can monitor blood glucose levels too. They have blood glucose monitors in their office. Some of these physicians will accept walk-in patients. They accept new patients too. New patients will be required to fill out some information regarding their medical history and any drugs they may be allergic to.

Seeing a doctor for your healthcare needs will help you to improve your overall health and self-esteem. They can help you with weight control by providing you with a weight loss diet or refer you to a nutritionist. Family medicine doctors accept a variety of forms of payments that include cash online payments, payments by phone, credit cards, debit cards, e-checks, and bank checks and bank cards. They will also accept health insurance payments and their office staff will work directly with your insurance care provider to collect the payments for medical services provided to you. They make paying simple, easy and fast for their patients. If your medical problem cannot be treated with out-patient care services, these doctors have the authority to admit you for hospitalization in-patient services. After you have been admitted to the hospital, he will treat, run medical tests and prescribe medication for you.

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Healthcare – When You Lose Your Healthcare

November 23rd, 2020

If health care is important to you, you may feel devastated when you lose your healthcare. With the downward spiral that the economy has been experiencing, companies are trying to do everything to stay in business. For some corporations, this can mean lay-offs and a reduction in work force. For others, this means cutting costs in other areas, including healthcare. It can seem like a scary thing to be without benefits for you and your family, but you have options.

#1 – Purchase your own individual and family healthcare. There are important things to consider when purchasing individual and family health care plans. Do you want to choose your own doctor, or are you okay choosing from a pre-screened network? Do you have any pre-existing conditions that may prevent you from getting insurance? Circumstances like these may affect your decisions and monthly premiums. You will also want to look at whether there is a deductible – a fee that is paid before your coverage starts. If you choose a plan with a high deductible, your monthly premiums may be much lower. Just be aware that should you need medical attention, your deductible amount must come out of your pocket before your insurance benefits kick in. Choose a plan that has a deductible you can handle as well as monthly that are premiums within your budget.

#2 – Purchase a discount health plan. This is a health care option that is not technically “health insurance” but with this type of plan, you are offered discount prices on medical procedures, office visits, emergency room visits, etc. The administrators in a discount program bargain with your physician and come up with a reduced fee for their services. Then, you only pay the discounted fee instead of the full priced fee that is charged to the general public. Most times these discount plans offer a 20-40% savings. Even though this is not traditional insurance, it is a way to save money with reduced costs so that you do not have to come up with the full payment when you need medical services.

#3 – Visit a participating pharmacy. Some pharmacies offer physical exams, vaccinations, and treatment for a number of medical conditions for an affordable price. They may also offer diagnostic testing for common ailments as well. If you are uninsured, be sure to check with pharmacies in your area to see if they offer any of these services. Try to be proactive and check for these services before they are needed so you will know the offerings and prices before you purchase a health care plan.

Family Medicine And Family Physicians

November 5th, 2020

To become a family physician, men and women go through a four-year degree program, they study in an accredited family medical medicine residency program, and an additional three years of training before becoming board certified. A family physician is your one-stop healthcare expert. They treat everyone in the family and they exam, research, and diagnose medical conditions from head to toe. This type of care is called integrated care where a family doctor devises individualized health plans to treat mom, dad, and children of all ages. Family doctors treat a wide range of health conditions and they can be your primary care physicians at any point in your life. Unlike other specialties, family medicine involves coordinating all types of healthcare issues, from a common cold, pregnancies, to treating an acute or chronic illness.

Family physicians must practice at the highest level of medical care throughout the world. They are required to become re-certified around every six years, through American institutions like The American Board of Family Medicine, The American Academy of Family Physicians or the Accreditation Council for Graduate Medical Education, all of which have reciprocity agreements throughout the globe for family medicine training. A few of the advantages in being seen by a primary care physician, includes the following:

• family doctors have all of your personal and family medical history because they have been treating you for years.

• physicians that have seen generations of family members can help in researching various genetic diseases, like cancer, if it appears more than once in a generation.

• doctors involved in family medicine environments can perform minor surgical procedures without the added cost of seeing a specialist.

• they improve the lives of the underserved in America and abroad.

Research and clinical studies have proven that U.S. and worldwide primary care physicians have been responsible for lowering the world mortality rates in diseases, such as in cardiovascular diseases, cancer, diabetes, low birth weight issues, obesity, and many other illnesses and health conditions. The statistical results associated with the care provided by family physicians, have proven that they help to increase life spans and control diseases from spreading. Their participation in healthcare has reduced healthcare expenditures, they help to lower hospital admissions, emergency room admissions, and they help to reduce surgical costs.

A family doctor focuses on preventive care, community oriented care, global health, plus they diagnose and manage a wide range of health problems to improve the quality of care in local, rural, urban, and large city health. Even if people are generally healthy, patients benefit by keeping a relationship with their primary care physicians. The physicians support individuals to stay healthy through dietary programs, they encourage their patient’s to exercise to stay physically and mentally healthy.

One of the main reasons that family medicine works, is the relationship that patients have with their doctors. This specialized and confidential relationship is great for individuals who feel comfortable in talking about their medical health with their physicians. Physicians around the world, are available to answer their patient’s questions in a way that forms a trusting bond. This bond creates a trusting relationship, whereby patients will listen and follow their healthcare provider’s advice and directions, thus decreasing chances of spreading contagions.

Family medicine is all about treating the whole person, not just their symptoms. A family physician has a profound effect on the physical, mental, environmental, emotional, and spiritual health of each of their patient’s. Physicians with an intimate knowledge of their patients can help introduce the healing power of hope, love, faith, and trust, as life presents challenges that can evoke depression, fear, grief, and anger. Also, if a physician’s patient requires the need to see a specialist, a family doctor will help coordinate your care. Patients can often feel frustrated and confused when they have to manage the healthcare system on their own. With a family healthcare provider on your side, the whole medical care journey is made easier and less frightening of the unknown.

Refugees have always fled to foreign countries, including the U.S. for a chance of better opportunities for themselves and their family. The present global news events are following refugees today, who are fleeing from their native countries for various reasons. Before being accepted for resettlement, all refugees must pass medical screening examinations, which is often performed by primary care physicians. The physicians perform a thorough examination of a variety of health problems that involve the mental and social health of the refugees. The family doctor’s check for infectious diseases, chronic illnesses, the refugee’s overall musculoskeletal system, and parasites, thus providing immunizations. The information that they gather is shared with that country’s main health agency, which in the U.S. Is the Centers for Disease Control and Prevention.

Healthcare Plans For Families

October 22nd, 2020

Family healthcare plans start with your researching all the types of insurance that fit you particular family needs. From the day a baby is born until old age, family health care is very important. Now is the time to start looking and find insurance coverage for your family if you are currently uninsured.

Five reasons to look for family insurance now.

A lot of companies are no longer offering health benefits to their employees. Don’t take a job just for the benefits it may offer, make a living doing what you truly like and find insurance for yourself and your family on your own.

You never know when an accident could happen and you need a trip to the emergency room for stitches or a broken bone. You can get the medical help you need without worrying about large bills if you have health coverage.

Your credit score may drop if you have problems paying medical expenses. You can avoid that predicament if you have health insurance. Your credit will also be safeguarded for your health and economic future.

With health insurance, you will feel more confident that you can save money without having to worry about emergencies, and how much the medical bill will be.

Options to pay your premiums on a quarterly or yearly basis can result in significant savings in the long run. If your employer offers you insurance, but not your family, this supplement works well for a personal plan while giving the rest of your family a plan for them to ensure their health. Its important for children to have medical screenings as they grow into adults.

What will be the cost of health insurance for you whole family?

You won’t find an answer for this question right off the bat. What you will require to do is seek the coverage plan that suits where you hail, your life style and your medication or physician needs.
Based on the plan that you choose, along with the deductible and the yearly plan you want to set into motion for your managed care you will find a set price on health insurance. Without comparing deductibles, insurance providers, and doctor’s lists, you won’t find a real price from any type of insurance provider.

Think about it along the lines of purchasing car insurance, you have to specify what coverage you want in order to get it on your policy. The same rule applies for the health insurance for your family. Specify what you want so that your medical plan can be catered to your needs.

Family Healthcare

October 15th, 2020

A heart attack happens when the blood supply to part of the heart muscle itself (the myocardium) is severely reduced or even stopped entirely.

If you know the symptoms and the risk factors of a heart attack, you can avoid having one and live a safer, healthier, longer and happier life

Heart attack has been reported to be the number one killer disease among adult Americans aged 50 yrs and older.

Typical symptoms of a heart attack include a crushing pain in the chest, sweating, difficulty breathing, weakness and pain in the arms, particularly the left.

Here are some family healthcare insights on how to prevent heart attacks.

Symptoms one could attribute to something else can cause devastating delays in seeking treatment.

These include feelings of indigestion, back shoulder and neck pain and nausea.

Early signs of trouble may appear during physical activity and disappear with rest.

Any numbness or tingling of the fingers or toes, dizziness, shortness of breath or difficulty in breathing should not be ignored.

It is not enough to know the symptoms of a heart attack, which can be wide-ranging and confusing.

It appears that most Americans are oblivious of the risk factors of a heart attack.

It is very important also to know the risk factors such as obesity, diabetes, high blood pressure and family history.

Clinical studies, laboratory investigations and a number of surveys show that certain personal characteristics and lifestyles can lead to increased danger of a heart attack.

These danger signs are called “risk factors.”

These well established risk factors are high blood pressure, high blood cholesterol, cigarette smoking and diabetes mellitus.

Attempts at modifying risk factors most certainly have contributed to the declining death rate from heart attacks in the United States.

While a few decades ago, U.S. death rates from heart attacks were on the rise, but today’s figures show that incidents of heart attacks have comparatively fallen dramatically.

And, overall, heart-related problems have declined about 25 percent in the last decade.

This decrease undoubtedly is due to better medical care of heart attack victims, but it is likely that a sizable percentage is related to modification of risk factors.

New drugs can stop or limit the damage of a heart attack, but only if the patient gets help immediately, experts say.

Once the flow of blood to a portion of the heart is blocked for several hours, the damage is irreversible.

Medical technology is advancing at an increasingly rapid rate. More drugs and medical technology are available than ever before and the entire population is now more aware of the seriousness of heart attacks.

There has been an increased interest in learning CPR and many community organizations now offer this valuable training.

Of particular concern by doctors and researchers is the role that the American diet plays in the health of one’s heart.

Obesity predisposes individuals to coronary heart disease. Some of the reasons for this are known, but others are not.

The major causes of obesity in Americans are excessive intake of calories and inadequate exercise.

When caloric intake is excessive, some of the excess frequently is saturated fat, which further raises the blood cholesterol.

Thus, obesity contributes to higher coronary risk in a variety of ways.

Many of the major risk factors for a heart attack are silent and much of the responsibility for their detection lies with each of us as individuals.

Regular checkups are particularly necessary if there is a family history of heart attacks of heart disease, high blood pressure, high cholesterol levels or diabetes.

May these family healthcare insights help you live a healthy and happy life.

The Difference Between Individual and Family Healthcare Plans

September 25th, 2020

The costs of medical care in US are soaring with each passing day and in this scenario, it has become quite confusing to identify a perfect health insurance plan. However, if an individual has a clear idea of what kind of coverage his health insurance plan should provide him with as well as the budget that he can afford for the same, then the decision of choosing a good health insurance plan definitely becomes easier.

The two most popular health insurance plans available are individual and family healthcare plans. Even though other health plans seem less costly, the fact remains that individual and family health insurance plans prove to be much more cost effective in the long run. However, before people choose any of the two plans, it is vital to understand the points of difference between the two.

Individual healthcare plans, as the name suggests, provides medical care benefits to a single person and is best suited for people who do not have any family to support or provide medical care to. The plan comes with various options and price ranges depending on the type as well as level of coverage desired by an individual. The cost generally varies according to the individual’s preference of visiting a doctor as well as the medical care facilities of their own choosing or a pre-assigned set of doctors and medical care facilities.

Family healthcare plans are generally selected by people who want a health cover for themselves as well as their families. Since the plan is designed to provide for the medical care of more than one person, it naturally comes with a higher price tag than individual plans. The cost of the plan can vary from one family to another according to the gender, ages as well as the eating and drinking habits of the family members.

Don’t Put Off Researching For The Right Family Healthcare Plan

August 11th, 2020

Family health care plans or insurance can be extremely beneficial to the well being of the people you care the most about. Let’s be honest, our health is very important to us and as we age it becomes vitally important that we spend some time thoroughly researching the health insurance providers in order to find a family healthcare plan that protects the interest of our family’s health without costing us a fortune in health insurance premiums or monthly rates.

There are several reasons why researching a family healthcare plan is a good idea. First and foremost as I’m sure you are aware more and more companies are downsizing or eliminating the benefits they provide their employees. Unfortunately, reducing or completely doing away with health care benefits has become the norm as opposed to an exception to the rule. For this very reason it is imperative that you spend quality time now finding an adequate family healthcare plan that will provide outstanding family health insurance to your most precious of assets.

Guess what, accidents happen and they do so with enough frequency that should you need to take a trip to the emergency room or to the doctor’s office it’s better if you go knowing that you have a family healthcare plan that has you covered and will take care of any medical or health related bills that appear as a result of the hospitalization required due to the accident.

Being financially strapped for cash is no picnic and can be very stressful for many consumers. Having a family healthcare plan allows you to put aside any financial worries you may have in the event you find yourself or a family member needing attention or treatment at a local hospital. Having proper health insurance also affords you the opportunity to save money for other needed necessities in life because you won’t have to worry about having to cover any medical expenses or bills that may come up due to receiving medical attention from a hospital or doctor.

As you do your online research in order to find a family healthcare plan that fits your needs, wants and desires you will be able to compare price quotes between several different health insurance providers or companies. Always make sure to look at deductible costs, prescription costs and of course the doctor’s that you can choose to seek future medical treatment from. The time you invest in finding the best family healthcare plan will save you money and aggravation in all of your future medical emergencies.

Winter Family Healthcare

March 13th, 2020

Winter is a period when all of the family are susceptible to ill health. By taking a few minutes to read the following article, however, you can learn some of the ways in which you can help to protect yourself from infection and keep your family in good shape over the months to come.

Eating right

A good diet is an essential part of family healthcare and winter time is no different. Eating sensibly ensures that you maintain a strong immune system and build up a strong resistance against viruses and infection. Make sure that all of the family eat 3 square meals a day, with plenty of hearty and nutritious food, including all of the vitamins and minerals needed to stay fit and healthy.

Eating in moderation is important for family healthcare over winter, and whilst it is important not to overdo it with fatty and sugary foods, it certainly won’t do anyone any harm to indulge a little. With this comes the temptation to over-eat which should be avoided at all costs. The explanation for this is simply that many people eat to feel better, as winter naturally causes us to feel miserable. Junk food releases chemicals into our bodies which make us feel happier, and because we enjoy eating this food, it can raise our spirits. This can obviously lead to health problems and weight gain, so it is sensible to replace the junk with healthy snacks and fruit. Make sure that you eat sensibly this winter

Wrap up against the cold

Keeping warm is essential for family healthcare during the winter in order to maintain our core body temperature. When the body is cold, it is more vulnerable to the spread of germs and the risk of infection, so it is vital to keep everyone wrapped up warm with plenty of layers, including a winter coat, scarf, hat and gloves.

Don’t neglect to exercise

Winter can be a period when it is difficult to get regular exercise. This is due to the cold temperatures outside and the weather, which can often make it difficult to take part in regular fitness activity. One way in which you can combat this is by signing up for a family gym membership, which will not only help you to maintain your family healthcare, but also give everyone something to do on those long cold winter nights.

Flu vaccination

Depending on your circumstances, one or more members of your family may be entitled to a flu vaccination. This is especially true for old people, who are particularly vulnerable to the threat of flu. Why not ask at your local doctors surgery for more information?

Now you know more about winter family healthcare, and what you can do to make sure that you’re eating right, exercising, and wrapping up warm, you should be able to stay illness free and find plenty to do this winter.

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