The health information system has complex that expands into several levels. What this article intends to solving a series of organizational and social consequences of the Health Informatics has on the outer areas. Be evolving field, health information technology development requires multiple levels of abstraction and complexity. Therefore, issues of community-based health care system, virtual communities and globalization are discussing the range of this article.
first factor to treat regards community-based health systems. This requires conceiving of intelligence community health network, which establishes the relationship between healthcare stakeholders in a community or region. This integrated combination of network routers relieve not only the process of communication with patients, but also the exchange of clinical and financial information among many companies, employers and health related parties from a particular territory. Interactive research and communication, community-based health care system focus on the implementation of computerized patient record system at the level of the community or region.
Virtual communities form different situations in the social consequences of health information. They have the role of online support groups both e-patients and e-caregivers. This idea of virtual communities is presented as part of the e-disease management programs developed by E-health companies. With them, consumers with general information, data on medical research on specific diseases, and information on available products and services associated with these diseases. Psychological support is also provided by the patients who have the same conditions. Virtual communities have at their core virtual patient records database work on the basis of an integrated processing machine. This machine rated patients associated with collection of information and knowledge elements and delivers a uniform, well sorted and organized production under the form of set of administrative and clinical information. This conclusion can be downloaded, exchanged and distributed by e-health providers for e-clinical decision making, e-control, analysis, e-identification, e-therapy planning and evaluation.
third social-organizational indicator of health information resides in globalization. Within Health Informatics, this phenomenon does see the world as one community so that the virtual network and information E-health services depart promotion of health and wellness. Globalization e-health needs efficient use of resources of individuals, community groups, organizational and social level. Many administrative and financial processes can be streamlined with e-health purchasers and providers by implementing the international call centers and Internet-enabled commercial services. This way, the international exchange of data about scheduling, billing, shipping, ordering and purchase healthcare products and services are introduced. Another benefit of globalization E-health system is under-served urban, rural or remote areas can receive high-quality service.
Herbs have been used in all cultures around the world to stimulate sexual arousal, physical sexual feelings and sexual abilities. In the modern world herbs are increasingly used both to enhance sexual pleasure and as medicine to help for sex. The herbs are used both in their original form or the working substances are extracted and used as ingredients in Tinctures, ointments or pills.
general principles of sexually stimulating herbs
working hypotheses principles of constituents in these herbs are of several kinds, and the ingredients make their effects at different locations in the body
-. Some herbal ingredients stimulate generally the role of the nervous system. Since sexual response and feelings are dependent of a well working neural system, the herbs will also increase the sexual response
-. Other herbal ingredients generally improve the blood circulation of the body. The better blood flow and better control of blood flow will then make the genital organs work better and engorge better during sexual stimulation. Better engorgement will stimulate the feeling bodies at the nerve endings in the sexual organs and thus give stronger physical feelings
-. There are components in some herbs that stimulate tissue growth and regeneration. Such components can make structures in the genitals grow stronger and more capable to do their work
-. Some herbal ingredients stimulate directly centers in the central nervous system that play an important role in sexual response, and thus increase the psychological arousal. Higher psychological stimulation causes the signal to be transmitted to the genitals so that they will engorge more strongly and produce more sexual secretions
-. Still other herbal components stimulate the feeling bodies in the genital organs directly, and will thereby give stronger physical feelings. Exposure feeling bodies will also make the central nervous system send signals back to the sexual organs and make them work more efficiently
-. Some herbal ingredients will stimulate the production of sex hormones or other hormones important for sexual function, or they will normalize a disturbed hormonal system.
Some important herbs used for sexual stimulation
Here are some important sexually stimulating herbs presented. Many of the herbs stimulate the human organism at several points and thus have more than one type of value. Where not otherwise indicated, both men and women will find a stimulating effect
– Bayberry: .. Fruits increase blood flow and capillary dilation in the mucus membranes in the vagina, and thus stimulate vaginal lubrication
– catuaba : catuaba is a South American bush. It has long been used as an aphrodisiac Indians, and is the most important sexually stimulating plant used in South America nowadays. Catuaba stimulates the central nervous system and usually specific functions controlling sexual response
– Cayenne (Cayenne pepper, Spanish pepper) :. From the fruit one gets a well known spice with a very strong taste. Spice stimulates tissue growth and regeneration. This will make the sexual organs stronger and more efficient. Cayenne also makes the digestion and intestinal functions more effective and promotes heart functions
-. Coffee or tea stimulates the central nervous system of higher activity and thereby also the sexual arousal. Take a cup of coffee before sexual activity is often a good idea
– Cuscuta :. Seeds of Cuscuta stimulate and normalizes the part of the nervous system that controls the sexual organs. This effect helps control premature ejaculation, helps control urination and vitalizes jobs genitals. It also has a general stimulating effect on the nervous system
– Damiana :. Damiana is a small Mexican shrub, the leaves are used for medical purposes. Damiana stimulates the activity of the sympathetic nerves at the genitals, urinary tract, gastrointestinal tract and respiratory system. Herb strengthens all the functions of genital and urinary tract. Herbs have many of the same effects as the female hormone progesterone, and therefore the herb works especially effective for women
– Ginseng :. There are many species of the herb ginseng, growing both in East Asia and North America. Ginseng stimulates neural functions and physical activity. Ginseng stimulates and normalizes the blood flow in the brain and genitals. Ginseng also stimulates nerve growth, blood production and sperm production. This stimulation will in turn give a general rejuvenating effect stronger arousal, better genital functions and stronger physical feelings
– Hawthorn :. Hawthorn is a tree growing in all temperate regions of the world. Fruits are used. Hawthorn stimulates heart functions and blood flow and helps to reduce atherosclerotic plaque in blood vessels. This general positive effect on blood circulation will in turn improve sexual function, for example female engorgement and male erection
– Horny goat weed (Epidemija) :. This is an East Asian herb. The whole plant except the root is used in herbal medicines. This herb stimulates the sensory ability bodies genitals, giving stronger genital feelings. It also increases sperm production, giving better fertility. It stimulates rather libido by acting on the central nervous system. Herb increases the general activity of the nervous system and general energy
– Johimbe. Johimbe is great and evergreen trees grow in tropical regions of Africa. The bark stimulates the blood flow in the genitals and therefore helps against erection problems. However, at higher doses, the drug can cause hypertension, digestive problems and manic reactions
– Maca. This South American herb stimulates sexual desire and drive
– Muira Pauma :. Muria puama is a Brazilian shrub known as “potency values Wood”. Extracts of the bark is used. Muira puama stimulates sexual desire and libido, and thereby increases the activity of
– Some :. Suma root stimulates and normalizes the hormone production of the whole body, both the production of public hormones and local hormones. Improved hormonal system will then improve mental and physical sexual functions
– Peppermint :. Leaves of peppermint plant stimulate the secretion of lubricating substances in the genital area. This facilitates the sexual act and protects the sexual organ against injury.
At the market you can find pills, tinctures or tea from one or more of these herbs. What herbs or herbal product you should choose depends on your purpose. The purpose is usually 6 types:
– Increased libido or sexual desire
– Increased feelings in the genital region
– Better erection or sexual performance
-. Better lubrication
-. Increased strength or size of the genitals
-. Increased fertility
In this day and age a little fitness and eating habits, you need to arm yourself with more information to be fit and well. Increase health and wellness improves general mood in life.
Exercise and Fitness provides you with many great benefits that you can not profit from anything else. Some of them are not as well known but highly advantageous. For example, exercise will improve your mood and attitude in life and it will also improve overall ease from day to day.
This means that you will suffer from reduced illness and the common cold. Besides this, it will also help with skin care and has anti-aging effects from the good effects that it has on your cells and muscles. There are also health benefits for stress levels and it will help you sleep better at night. You can see how fit greatly benefit every area of your life.
On top of that, studies have shown that exercise increases energy and reduces fatigue, even when people just do thirty minutes, three times a week.
Although exercise and fitness gives obvious benefit of public health, lean body and a healthy heart, it also provides you with more energy throughout the day.
This effect is consistent every time you workout, and regardless of age or condition. If you feel tired during the day, then some quick and simple exercise can help you. Besides this, you should plan some weekly exercise and stick to them. You can find a personal trainer if you want to be held accountable.
Many just like to go hiking or cycling in nature. This is a very relaxing way to get enough exercise and is also very enjoyable. You do not need to go on long runs if you do not enjoy it, you can find a simple form of exercise that you enjoy.
So long as you are outdoors and move your body, you can gain the benefits above. When you combine this with a simple and healthy diet, you will be fit and well for many years to come.
A Candida overgrowth causes a lot of seemingly unrelated ailments that can be confusing for both doctor and patient, and because of this the majority suffers are unaware that they have the overgrowth until they become seriously ill. This is because the Candida yeast steals not only the nutrients from the food you eat, it poisons the tissues of waste containing more than 75 known toxins.
A Candida overgrowth is part of a larger problem called dysbiosis which means dis-function of organic tic or bacterial environment of the gastrointestinal tract. In a healthy person, other bacteria and immune stop Candida from overgrowing and becoming a problem. However, a weakened immune system caused by poor diet, drugs and bad lifestyle makes it easier for Candida to grow and cause infection.
If you think that you have an overgrowth first line of investigation should be done by a doctor, who will diagnose your condition through extensive questioning. Some doctors still refuse to admit that Candida can cause illness due to intestinal overgrowth. This is due to the lack of agreement over the final diagnostic test for intestinal yeast overgrowth. In the final analysis test is developed, it is advisable to look at the evidence from different sources to give you a good idea of whether you have a yeast overgrowth or not.
here are ten different ways of testing for a Candida overgrowth. The first two tests DIY cost nothing and give quick results. The medical records of tests are available online, through your doctor or a doctor, but please be aware that some candida tests are very expensive and can not always give accurate results. The last two holistic tests are carried out by a specialist.
1. Candida Test – Characteristics
A Candida infection causes a lot of tell tale signs and assembling lots of these common candida symptoms involves it is Candida overgrowth presences. Some doctors do Candida diagnosis by symptoms alone. This is one of the easiest and most effective way to test for Candida overgrowth.
2. Candida Test – Spit Test
When you first wake up, before eating or drinking, collecting saliva in the mouth with the tongue. Spit this in clear glass bottles or clean water. Watch saliva for 15 minutes to see what happens. You may have a Candida overgrowth if saliva is closed in the middle of glass and looks like little specs are floating, or it floats to the bottom and looks cloudy or if it is still at the top and there are thin that look like strings or spider legs lies down. This test does not always give reliable results.
3. Candida Tests – stool
Stool diagnostic test to detect fungal infection in the laboratory study of stool sample. If the stool contains abnormally high levels of Candida, this may indicate a fungal infection. A stool analysis can also look at other digestive markers to determine Candida levels, such as:
• Levels of beneficial bacteria in the gut, by testing the pH, acidity in the stool.
• intestinal parasites, such as worms and single-celled organisms, ie Blastocystis hominis, Amoeba
• Siga condition of the gut immune system (low immunity or inflammation)
• Leaky gut (lets allergies, such as food allergies). Stool samples are often unreliable as results do not always correlate with symptoms
4. Candida Tests – Blood
Live blood analysis under the powerful microscope can be used to find candida antibodies. When Candida takes fungal form, the immune system responds by producing specific antibodies to fight off infection. Large concentrations of these antibodies in the blood is an indication of Candida outbreak.
- Candida immune complexes test measures candida specific IgG immune complexes. Immunoglobulin G (IgG), the most common type of antibody, is found in all body fluids and protects against bacterial and viral infections.
- Combination of IgA, IgG and IgM tests. Antibody-matching test measures the level of certain immunoglobulins or antibodies, in the blood. Antibodies are proteins that the immune system to fight antigens, such as toxins, bacteria and viruses. IgA, IgG and IgM are frequently measured simultaneously but if they are assessed together, doctors can get valuable information about immune system functioning, especially relating to infection or autoimmune disease.
- Candida Antibody installation test can be taken to detect the presence of infection and also identify areas of the state. The test antibodies can be misleading, because most people have candida organisms already in the body.
5. Candida Test -. Saliva
A medical saliva test can be used to detect the presence of Candida infection and indicates the stage of the condition
6. urine secretion of immunoglobulin
A (slgA) test and intestinal permeability test can be taken to evaluate the permeability of the gut wall (leaky gut syndrome), which is associated with the development of food intolerances and candida infections as well based on potentially damaging toxins.
7. Candida Test – KOH Skin
KOH (potassium hydroxide) Candida test is a medical test to detect infection Candida fungal family. Infected skin scraping out the light and put on a picture KOH solution. The slide is heated, and because of differences in the cell wall composition of cells and fungal cells skin cells are dissolved solution, the fungus cells victories leaving them visible under a microscope.
8. Hydrogen Breath Test
Bacterial Dysbiosis results from the same causes and of Candida overgrowth. This is a test for bacterial, or are intolerant to lactose, fructose, or sucrose. The test measures the amount of hydrogen in your breath patient a certain time after they have consumed sugar solution. Elevated levels of hydrogen indicates an overgrowth of bacteria in the small intestine. This test requires the drinking solution of lactose, fructose, sucrose or glucose in water.
9. Candida Test – Kinesiology
Kinesiology is a form of muscle testing to access information stored in the computer body. The system uses a conductive body, including the nervous and meridian systems, to obtain information on irregularities in the organs, glands, muscles, bones, digestion and other body tissues. This test can be useful to eliminate triggers, reduce your symptoms and optimize your health and sense of well-being.
10 Electro Dermal Screening
Electro Dermal Screening, EDS is a quick and painless way to determine your overall health and wellness. It works by measuring the electrical currents in the body to determine the function of vital organs and tissues. A blunt probe, connected to a computer, is placed on the acupuncture points at the end of meridians, the body’s energy pathways and places an electric discharge flow though the body. The practitioner can then asses any imbalance to make diagnoses. This method can also be used to detect intolerance.
When you know if you have Candida overgrowth, but you have the ability to deal with the cause of weight and health problems. In a few months you could find a much healthier, happier person.
The medical transcription profession is worth Considering as a career especially Because it is predicted That the MT profession Will be in high demand for many more years to come. This is chiefly Because of the rise in the total number of the aging population and Will cause the entireties health care sector to experience a boom for the next ten years as predicted by the US DOL. So as the years go by, one Can expectancies That there Will be more and more hospitals / doctors / nurses and other health care Technicians Including Medical transcriptionists.
What are the basic Requirements to become a good medical transcription professional? They include
A good medical transcriptionist has to Learn and have a good knowledge of basic to advanced medical terminology. The proper application of grammar and the Ability to use correct punctuations are also essential prerequisites to be Successful as a medical transcriptionist.
Among the various Duties of a medical transcriptionist are
Medical Transcription Supervisors are seniors WHO do all the follows up on the physicians, take care of all the missing and / or late dictation and are Responsible for the timely delivery of reports. Other Duties include doing quality assurance checking, maintaining backups, ordering supplies, reports generation and reporting problems in the infrastructure / machinery etc.
Medical emergencies are like these unwanted and uninvited guests who drop in at any time. The only difference between the two is a medical emergency can not be ignored as the guests. Immediate action should be taken to these emergencies in a timely manner. In the presence of other family members or friends, the patient does not have to worry about calling for a doctor. But, what if someone lives alone? Or any family members are out? In such frightening situations waiting for someone to come and call a doctor would be foolish. Anything that can be of help in such situations is a medical alert system.
The purpose behind designing a medical alert system was to help patients to raise the alarm if emergencies. These alarm systems are very efficient and ensure that the patient is the message of the doctor or hospital almost immediately. There is no two ways about the usefulness of medical alert devices. Almost every person can use this device while suffering from medical problems. However, the role these devices play in the lives of the elderly is beyond imagination. These devices are a life saver for older people living alone and every aged person in the country will buy the device for their own security
Every medical alert system, only one purpose -. To raise the alarm when danger. Despite this fact, this system comes in different forms and sizes and the choice of the device varies from person to person. Regardless of the choices available, people will mainly buy a medical alert device shaped pendant. The pendant is light in weight and one can wear it all day without discomfort. There are plenty of companies that produce alarms as necklaces and one can buy the device from any producer. But the decision of whom to buy alarm, the basis of comparison should not be price. There are many other factors that buyers should think about when buying such an important tool.
Before buying equipment, read user reviews available today. These reviews will help determine whether the search is going in the right direction or not. After going through the reviews, gathering some of the suppliers who sell the warning devices on the market. Again, buyers spend some time deciding from any vendor device should buy. The overall project is time consuming but it is important for your health and should not be avoided at all costs!
the medical record is one of, if not the most important documents in the delivery of healthcare services.It is what drives the progress of patients care. It allows the doctor to review the patient’s medical history as well as plan a course of care for the future.
it is a communication tool that not only provides clinical data on current and past medical history of the patient, but is also used in the review and refund insurance claims, and to review the use and quality of service.
content Medical Record
* Face sheets, encounters for each visit
* Vital Signs
* orders medical
* History and physical form
* List of medical problems
* administration Lists
* Progress Notes
* Discharge Summary
* authorization forms
* Diagnostic Testing
* Laboratory Testing
* Operative Reports
* Pathology Reports
Documentation is the most critical role for keeping accurate medical records, as it records all the important information and facts about the care of the patient.
is legal documents
includes a patient’s medical history
chronology documents patient care
allow doctors to organize and evaluate patient care
provides continuity of care
makes all physicians involved in the care of the patient to communicate with each other
gives evidence of care provided in legal matters
assistance required review and refund
aid meeting accreditation requirements
Centers for Medicare and Medicaid Services (CMS) regulations regarding documentation
Documentation must include:
evidence of medical tests performed more than seven days for admission or within 48
hours of admission
Results from patient consultations and the results of such assessments
all orders, progress notes, medication records, radiology procedures and results in the laboratory,
and vital signs
complications the patient
all relevant factors
information reflects CPT / ICD-9 codes submitted collateral patient
consent forms signed by the patient
discharge summary that summarizes the outcome of the collection, disposal and care
plans for follow-up care
The SOAP Model
Subjective data are given directly by the patient, such as how they feel, their views on their care, and why they made the appointment. It represents the point of the patient examination condition.
objective information represents the physician point of view. It includes information was seen and recommended by a doctor during an examination or test.
Assessment identifies the main diagnosis that is specific visit, covering medical interpretation of the situation. When the patient has multiple diagnoses, the doctor will order their food based on the complaints of patients that particular day.
The “Plan” part is when a doctor makes an action for analysis, usually the condition specific to visit that day.
Challenges within Documentation
Each institution shall ensure that each site within the medical record contains the name or identification number of the patient (patient first and last name, first initial and last name, ID number, or personal identification) .
It is also necessary that all entries in the medical record is the identification of the author.
Any known drug allergies should be prominently noticeable within the record, preferably on the face of the chart.
If some issues are unresolved from the previous visit, they should be addressed in subsequent visits.
The most common challenge within the medical documentation is legibility. It is important that the content of medical records are legible other than the writer because 1) Data has significant influence to resolve disputes and 2) poor legibility can lead to misunderstandings (ie if the pharmacist misread the prescription and dosage wrong medicine to the patient).
It is recommended that organizations and physicians utilize transcription services. It is also recommended that organizations and physicians use computers to print orders and prescriptions.
medical records records shall not include any gaps or inappropriate language. This would harm the integrity of the rest of the medical records.
Entries not reflect its assessment that something unexpected happened. Words such as “accidental”, “surprising” and “unexpected” Do not use in dictation.
Entries should also not use words that are unspecific and cause doubt, especially in the case of a legal claim. Words such as “will” and “appears” should not be used.
Entries should not contain ambiguous words or phrases such as “doing well” or “eat better”.
Documentation is the best support in proving “medical necessity”. Poor or low documentation may lead to rejection of the claim.
To correct an error in translation, the author must draw a line through it so that the original material is still visible. If the error is completely covered or blacked out, it will cause concern and the worst can be expected for what it may have been. Correct data should then write the above error and must be signed, dated, and the reason for the correction should be noted.
Any statement made by someone other than the author of the entry should not documented as if it were fact. The source of the statement should be noted and the statement itself should be in quotation marks.
Under no circumstances should the doctor be given over the phone unless it is certain that at the other end of the call. There should be rules that dictate who may give advice over the phone (ie nurses, doctors … no receptionist) and what restrictions on the type of advice someone other than the physician provider.
ALL phone conversations should be documented and placed in chronological order within the medical record.
A signature is a signature from a doctor review the record by the primary doctor has signed it. The rating implies that the doctor understands and agrees with the care described by the dictating physician.
It is important to recognize that when a provider signs the entry in medical records, they are responsible for whatever is contained in the entry.
Although abbreviations save time, many are unclear and misinterpreted by other doctors. Only standard abbreviations should be used to avoid misinterpretation.
Sources and suspension of physician / patient relationship
ALL issues of patient non-compliance should be objectively documented in the medical record. Action taken, reinforcement or education, should also be noted.
When the doctor intends to inform the patient is told that they should say verbally. A certified letter should then be sent to the patient outlining the reasons for the termination and duration of the relationship will terminate. A copy of the certified letter should also be kept in the record.
The time that medical records will be kept separate in the statute of limitation regulations and individual state laws.
However, any organization must implement clear policies and procedures for maintenance and keeping medical records.
Records may only be issued under the authority of the individual state and federal. law
Organizations must also have clear rules on the release of medical records that should decide
* who may request and receive a copy of the patient’s medical
* authorized to release medical records to any party
* how practice will protect protected health
* how release of records will be monitored and documented
strong trend above greatly avoid responsibility.
ownership of medical records is a unique situation, both the patient and medical institution have ownership interests. The factory owns the physical record however the patient owns the information within the record.
The record must be within the medical institution, and should ensure that patient information is protected.
Patients are entitled to all the information within their record, although such rights differentiate between states.
When a legal requirement arises, medical documents relied upon to determine the standard of care that was provided. Little or no data on treatment strongly supports the claim negligence
records are exposed :.
– a series of events that led to the injury of the patient and the subsequent claim
– inefficient use of information in the medical record
– poor communication from the doctor or department to another
– illegible entries or orders
The advent of healthcare IT in the health industry has ensured That Prior health technologies Such as paper records are outdated. The health reforms have added to the Importance of healthcare software. Technology in the healthcare sector has Contributed immensely in providing accurate, reliable and timely service.
Electronic Medical Records (EMR) and Electronic Health Records (EHR) are basic health Softwares That help in doing away with the disadvantages That paper records had.
The Biggest advantage of electronic information is the ease with Which it Can stored and accessed. Some of the other benefits of EMR are:
1. Immensen information Can be stored, managed and Retrieved Whenever required.
2. Mishandling, confusion and error Associated with manual handling of information Can be reduced or eliminated evenness.
3. When information is stored electronically, it is Easier to keep it confidential When required. This may be needed in cases of Storing sensitive data about a patient’s personal details, history and medical records.
4. Medical data in the form of EMR Make It Possible to be accessed by a large number of people Who Are Authorized to do so.
5. This Immensen resource Can be utilized for other purposes Such as further research or processing of the available information for quote comparison and insurance search engines.
Electronic data is quite Beneficial but it has its draw backs as well. Here is a look at the disadvantages of Storing data in digital format.
– The process of converting paper record Into electronic form is an expensive process and unless the federal government Provides with adequate funds, not Many would be expandable to afford it.
– A lot of healthcare providers are Either ‘techno logically challenged’ or not too enthusiastic about the advent of IT in the health industry.
– Question about the quality, ease of use, functionality and other technical issues Can prove to be a major hurdle in Implementation.
– Need a large Amount of resource for training and re-training about the adoption of this healthcare technology.
– A lot of Residents Doubt the clinical Useful ness of EMR.
The core capabilities of an electronic medical report include:
a. Immediate access to Important information would Improve the doctor’s portability to take timely medical decisions
b. Access of information by various caregivers would Improve a patient’s safety and care.
c. A computer based data system would Improve legibility, Reduce duplication and ensuresexcellent speedy process.
d. Computerized Decision support would help in encouraging preventive practices, identify drug Interaction and facilitate treatments.
e. Uniform data standards Will help healthcare organizations to RESPOND Quickly to federal, state and private Reporting Requirements.
Electronic Medical Record is very Useful and Important healthcare software That Will form the basis of other healthcare Softwares. Howeverwhole, the issues with the EMRs need to first Addressed Before They Can be implemented effectively.
Have you been working hard and paying your bills on time your whole life? Saving your money and Trying to get ahead, looking forward to retiring some day? You read in the paper and hear on the news about so many people are uninsured That. Uninsured, and do not have health insurance Because They can not afford it. Are you one of the uninsured people like I am? Are you worried about having a health care emergency and not Knowing how you would pay your medical bills? You know you really can not switch jobs. You feel you’re getting too old or under Skilled to be Hired by anyone else. You might be Even self-employed too. You know you can not or do not want to Learn a new skill to get a new job at a bigger company That has group health insurance. Your present employer really can not afford health insurance for his employees and you do not see That changing where you work.
You have gotten by this long without health insurance and you know that you should do something about it . But health insurance is expensive and getting health insurance is a good idea and something you have always been planning to do. But, we just keep Putting it off, until it is too late. So what is a man with a family, or a single person do if you barely can find the money to pay for the Necessities, like the rent, or a mortgage, the Higher price of gas and food, much less expensive health insurance?
Do you think you Can beat the odds? For men it is one in three, for women one in five That you willhave a major health care emergency Hospitalization and incur medical bills for surgery, hospital stay, outpatient medical care, therapy and prescription drugs. Do you worry and lay awake at night, wondering how you would pay for emergency care, if you needed it?
Ever wonder what you Will do if the worst happens and you had to go to the hospital without health insurance ? In a word. Bankruptcy. The retirement you worked your whole life for and Dreamed about … the retirement you always envisioned is gone … Take away from you in an instant. And by a calamity you have tried to Avoid. A calamity That broad sided you, and you had no warning and you never knew what hit you.
Imagine this Scenario. You are 55, been in great shape your whole life, you work hard and live right, do not smoke, eat healthy foods, watch your weight and have been Taking care of yourself the best way you know how. But Lately you have been getting a little short of breath. You shake your head and say “it’s just getting old” and keep right on working on the house, the car, the lawn, the crops or a new project you just have to get done. While working, all of a sudden you feel really short of breath. You stop, sit down and can not breathe. You look down and your arm is feeling funny and tingly. All of a sudden you feel a shooting pain running up your arm Into your shoulder, “ah … just overdoing it again” you say to yourself. I’ll just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numb ness and worse, a stabbing pain goes Into your shoulder. Quickly the pain intensifier and travels deeper and is shooting across your chest, a crushing pain and now you are really scared. “Wonder if this is a heart attack?” You know you Waited too long and it’s too late … This time it’s for real. You are in the middle of a heart attack.
You are desperate and in stabbing pain. You know calling 911 might save you … if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no strength and your legs just can not move. You holler louder, it hurts so bad and she overhears you this time. She rushes to your side and you are so short of breath you can not talk, the pain is too great. You point to your chest and she Can see by the look on your face you are suffering and in great pain and something is terribly wrong. She runs to call 911, frantic about you and tell the ambulance to come right away and she THINKS you are having a heart attack. She runs back to your side and you Both are terribly scared and All You Can do is wait.
The bad news has just Begun … When the ambulance arrives, you find out the very worst has happened. You really are having a heart attack … They rush you away to the hospital, Taking your vitals and giving you the drugs to save your life. Expensive surgery follows with angioplasty to open up blocked arteries in your heart your, and you get a stint to keep the worst blocked artery open. The doctors say That you shouldnt make a good recovery with adequate care, rest and therapy. You willhave to take heart medications and high blood pressure drugs the rest of your life. Already the worry has Started, and you think to yourself. “how am I going to pay for this?” The deep financial worry never leaves you. You have Heard stories of financial Disasters happening to good people with no insurance, Tragic Consequences happening to people getting hit with huge medical bills for Surgeries in the TENS of thousands of dollars. You lost … you did not beat the odds.
Now what can you do? Your retirement dream is gone, now you willhave to work the rest of your life to pay your medical bills off. The story, I shared is real, this medical tragedy happened to my brother, a farmer, a hard worker, a self-employed Bulldozer operator in the prime of his life. No health insurance and he now faces a $ 45,000 medical bill he can not pay. Not unless he wants to sell the beautiful log cabin home he built with his own hands and the farm he worked his whole life for. He is worried sick and tied to heart drugs for the rest of his life. Heart drugs and a stint That Make him feel, even more sick. He has Decided to sell part of his land to pay the hospital and clinic bills. He Hates to do this, but has no choice.
He tried to pay the hospital and clinic with Agreed upon payments of a $ 1,000 a month Each, paying the every penny he could, but That was not fast enough or good enough. The hospital and the clinic still turned his account over to the collection agencies eventhough he was paying over $ 2,000.00 a month. He is an honest man WHO worked hard his whole life and did not Deserve this. He Can barely afford the drugs and heart Makes just enough money so he does not qualify for state-assisted health care or prescription drug benefits.
One more thing is Important … That is not the only calamity. He is not ELIGIBLECARRIER for Any type of health insurance for his heart, Even if he could afford to pay $ 850.00 a month for health insurance coverage, plus his monthly medical bill payment to the collection agency. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart, he would have to not have Any hospital care or treatment related to his pre-existing, condition for seven years to quality for having That heart condition covered under Any health insurance policy. For my brother, he willhave to work harder than ever to pay this debt off, just When he shouldnt be Taking It Easier and not working so hard to preventions Yet another heart attack. There Will be no retirement for him, he is 59 and That is a terribly hard price to pay.
What does this mean for you? Do not wait, do not let a major health problem ruin your Chances of retirement. Health care coverage Can Be Purchased and Can be budgeted for. If my brother knew what was going to happen, he would have budgeted the money for a health insurance policy. He could have spared a couple thousand a year for an inexpensive health care policy with a high deductibles. This would have cut the medical bills he received by a significant Amount, and he still would have health insurance to cover Him in the future. When you’re lying in bed at night, think of the people you know that have had Their lives turned up side down by a health calamity, shock Their jobs, those homes, All They savings and their retirement cher shed. This is too big a price to pay. Take care of yourself, and your family. Protect your retirement dream. Getting an insurance quote online, is easy, and safe and Can help you take a step in the right direction. Help remove most of the worry, about “what if a medical emergency occurred to you or a loved one.” Would you be covered? Let’s hope the answer is “Yes.”
When I got laid off from a great job due to a large corporate company downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms “just fill in your zip code” got me Started with my online quote. The websites were easy to use, and I enjoyed getting free insurance quotes. The websites connected me with top insurance agents WHO helped me figure out how to Compare the quotes. The agents were friendly, easy to talk to, and I got a policy to protect me at a cost I could afford. Please click on the link above and get some health insurance That will protect you and your loved ones. Just knowingness something really Can happen and Taking the right steps to protect yourself Can help remove some of the worry. Do not try to beat the odds, you may not win. Do not let a small financial burden become an impossible one. Do it for yourself, do it now Before it is too late.
Sometimes the hand is repaid too much money for services rendered resulting in overpayment. Sometimes the overpayment is made by the insurance carrier and sometimes it is done by the patient. In both cases, it is important that the overpayment returned to the appropriate person or vehicle.
If the patient pays more than they need the patient must be notified as soon as the overpayment is discovered. Overcompensation can be applied to a future visit if the patient will return but only if the patient agrees. The provider not just constantly keep the money.
An example would be if a patient came in for an office visit and pay co-pay. The provider ends up removing the mole is considered an action and does not require a co-pay resulting in overpayment. When the office realizes co-pay should not have been collected they can do one of two things.
1. Report patient overpayment. If the patient back to the office can suggest that they take it as a credit toward the next visit. If the patient does not want to apply it to a future visit, the overpayment will be returned.
2. Send the patient check for the overpaid amount with a note explaining the overpayment.
In any case, there can not just keep overpayment. It is illegal.
If an insurance carrier for the payment it is important to first determine whether it is truly the payment. Call the artist who made the overpayment and ask them to explain how they determined the amount of their claim if they work properly. If they confirm that they did make an overpayment they should recycle claim to show the correct payment and send the request to the provider to return the overpayment.
Sometimes they just want to ask for your hand over the phone to return the overpayment. Personally, I always ask them to ask for the money back with a written explanation. When you receive a written request for overpayment attach a check for the overpayment to the request and send it to the address stated in the request. If they do not address send it to the requirements of the deal indicate. “Note: Overpayments”
if you receive payment from the insurance carrier and the entire payment is wrong or incorrect due to hand write “void” on the check and return it to the insurance carrier with an explanation of why the payment was not due . For example, if the payment is for a patient that was not seen by hand, write “void” on the check and attach a note saying “This patient was not seen in our office.”
If the state of the call they work claims and that there was no overcompensation then you need to decide if it truly was an overpayment. Sometimes the patient two insurance plans. Main makes a certain amount and then makes the payment of the secondary process claim and allowing a higher amount than the primary insurance carrier resulting deposit.
This is not really an overpayment. The amount of the contract adjusted away from the primary insurance carrier was more than needed to adjust based off payment of secondary insurance carrier. Therefore, it is not true overpayment and no money needs to deliver. Balancing the patient just needs to change in order to offset the credit.
Sometimes another insurance carrier patient privately purchased insurance. They do not always follow the same guidelines as other insurance carriers. Many times they ignore the main paid and make the payment and if no other insurance is involved resulting in overpayment. In this case, the overpayment amount belongs to the patient where they bought the insurance plan. The provider does not just keep the money. The provider does not collect more than he or she charged out for their services.
It is important to overpay are not ignored. First, decide whether it is true overpayment. If it is, decide who overpayment must be returned to them and do what is necessary to deliver it. Remember just lend it to future visit with the permission of the patient
Copyright 2010 – Michele Redmond – Medical Billing Solutions Inc