Employers and Health Care Reform

How are the mass employers going to handle the adoption of this new health care reform into the everyday life of their business and with their employees? Today, many employers across the American landscape are holding on to what they currently have and are performing their daily activities with a no growth attitude. This does not help the economy on the grand scale, but adding thousands of dollars into the health care rolls is no easy task.Some employers and small business entrepreneurs are refusing to hire new employees because they are terrified like the rest of America with the new pending health care, laws, rules, regulations, and additional taxes that are hanging over their heads for the coming years. Where does this leave all those individuals who are currently searching for employment?Put yourself in the place of any one of your local shopkeepers and think about how you would be willing to handle this situation. Individuals and families throughout the country are terrified at the looming health care reform bill that is slowly beginning to take hold of the country. This alone will cripple the entire country and drag it down even further.The health care industry is gearing up for the initial onslaught of new subscribers trying to find the cheapest medical insurance policy there is just so they can report to the Internal Revenue Services that they have a legitimate medical policy.The irritating factor in all of this is on the part of the Internal Revenue Service. They now have the right to request all of your medical care information and they will decide if the health insurance policy you have chosen meets the daily requirements of your personal needs. Should there be a discrepancy, they will order you to purchase the affordable health insurance policy that they believe is beneficial to your needs.What will you do when this happens and you are unable to afford the medical carepolicy they told you to acquire? Remember, the Internal Revenue Services does not care what you will have to do to come up with the money to pay the average monthly cost for health insurance under their mandate.Will you be mandated to take on a second employment position, told to achieve the level of a better paying position? Will you find it necessary to try to put your home on the market in order to make the necessary payments for your new mandated health insurance policy that is basically worthless to you?

Health Care Costs – Patient Advocates Can Save You Thousands

You or a family member may have recently had some health care event, such as a hospitalization. Now, over the coming days, the medical bills will arrive at your home. Every medical provider who contributed to your treatment is going to send a bill, and you are the person who bears the financial obligation for payment. If you have health insurance, the insurer may pay a large percentage of your medical bills.However, an alarmingly large and growing segment of the American population lives each day without health insurance. Insurance experts estimate that over 48 million Americans are living without health insurance. And that number of uninsured persons is expected to increase quickly as the economy worsens and unemployed workers lose their insurance coverage.When those bills show up after a health care event, a serious financial crisis happens. That patient, or the patient’s family, has to figure out a way to pay those medical bills. Those bills can be in the thousands of dollars. For more serious illness and treatment, the bills can be in the hundreds of thousands of dollars.If you make mistakes while taking care of these medical bills, you could put yourself in a financial situation from which you could never recover.Think for a moment how ridiculous the system is for providing medical services. You go to your medical provider for a visit. No one gives you a price list of services. You are not told how much ANYTHING costs while you’re being treated. Usually you find out the cost of your medical services when they present the bill to you.Would you agree to buy groceries like that? Would you get your car repaired with that kind of billing arrangement? Of course not! You wouldn’t even bury your dead cat without knowing what it would cost!But, in medical services, ignorance about billing is the accepted method among most consumers.Sadly, many of the medical bills are incorrect…sometimes monstrously incorrect. Billing errors happen daily on all levels…Doctor to patient, doctor to coding staff or billing service, billing service to patient.So, what can be done? How can a regular person…an average American faced with giant medical bills…determine the correct medical charges and get correct medical bills?Retain a Patient Advocate.Hardly anyone knows about Patient Advocates. You can be sure that the medical providers and insurance companies will NEVER tell you about them.Why?Think about it from an insurance company’s viewpoint. If the patient hires a Patient Advocate, and the Advocate does his job, the chances are good that the insurance company will pay more on the patient’s claim.Think about it from the medical provider’s viewpoint. If the patient hires a Patient Advocate and the Advocate does his job, the chances are good that the medical provider is going to receive substantially less money for his services.A Patient Advocate is a person or company thato Will collect all your bills, claim forms and statements, even if they’re in a “shoebox”
o Analyzes the bills
o Submits appeals for incorrect charges
o Negotiates settlements with medical providersThe Patient Advocate can cut hundreds or thousands of dollars out of incorrect bills.EVERYTHING in a medical bill is negotiable. Don’t be the sucker that pays the bills without making sure they are accurate. Medical providers negotiate their bills with insurance companies EVERY DAY. Why should you pay more?NEGOTIATE!!

Gambling Addiction: How Is It Different From Other Addictions

The word “Addiction” is characterized by many people as being a negative compulsion. A person with an addiction is unable to stop doing the thing they are addicted to.Not all addictions are the same, and even though we are focusing more on gambling addiction, we also want to touch on other addictions that can overtake a person’s life.What Are The Different Type of Addictions? There are basically three categories for addictions:1. Substance
2. Impulse/Emotional
3. BehavioralMost people relate substance addiction to drugs, but it can also be related to: alcohol, tobacco, prescription drugs, and inhalants.Impulsive/emotional types include: gambling, stealing, and pyromaniacs (setting fires).Behavioral types include: eating, shopping, pornography, working, and perfectionism.The one thing all of these addictions have in common is – control. A person with an addiction, gambling or otherwise, is in bondage to their addiction. The crazy thing about this problem is – they don’t overlap most times. A person addicted to gambling will not have any desire to set fires and a pyromaniac won’t be tempted to gamble.Taking a Closer Look at Gambling Addiction There’s a distinct difference between a gambling and substance addiction. Gambling is triggered at an emotional level and substance addictions are craving some type of chemical relief.The gambling atmosphere is all about “emotions” and “excitement” but alcohol, smoking, stress, anxiety, and many other vices are all part of the casino experience. This is one instance where the initial addiction can lead a person into multiple other addictions.Casinos spend millions of dollars each year studying the habits of gamblers. Gambling is different from other addictions because of money. Money is the fuel for gambling and the emotional rush comes from having your money on the line.Slot machines are designed so that the colors and sounds attract people to play; at that point money loses its value. The tables convert cash into chips. By doing this the player loses their sense of value for money; the casino knows exactly what they are doing.Pathological gambling destroys relationships, it devastates finances, and it can even cause a person to commit suicide. So, what can cause a person to become a gambling addict?Since gambling is categorized as an emotional/impulsive addiction, we have to look at other emotions that can trigger it. The experts have listed a few:- Anxiety
– Depression
– Stress (work/family)
– Personal Loss
– DebtWe also have to include the “beginners luck” syndrome. There’s a natural attraction to easy money and lotteries are one example of this fact. The multimillion dollar lottery pools are a reflection of the hope of getting rich, and this is what drives a person to the point of becoming a gambling addict.When gambling becomes an addiction it goes beyond just winning, it’s more about just playing. People who are addicted can be winning thousands of dollars and not quit, why?The reason is – love. The love of gambling. The phase of losing and desperation comes next, and this is when the addiction can turn into a monster. Fortunately there is help, and there are help centers waiting to help.