Baby-Boomers, Healthcare, the Economy and Network Marketing

As e-commerce and the internet moves ahead, consumers are moving in huge numbers to the world wide web for all their shopping needs. We are renting movies from our mail boxes, ordering groceries online to be delivered to our doors. All sorts of courses are being offered online and people are connecting together from all countries of the world. This is a wonderful trend and I believe that it is set to get even stronger because of the current recession.

This international trend is really great news for the network marketing industry. Savvy network marketers are scurrying to identify their marketplace and it seems they've found it. The Baby Boomers, the group that has made millionaires of the CEO's smart enough to be one step ahead of them, are getting old. They are looking for financial security and with the economy and fuel prices being as they are home business is looking very attractive indeed to a lot of people.


We have watched the baby boomers move like giants through the stages of their lives and as they approach their 5th generation an enormous opportunity is emerging. Prepared baby food, hula hoops, fast food, and fashion have given way to a generation that that has discovered a new appreciation for staying young and healthy and we are also looking to really live our lives more fully aligned with who we are.

Baby-Boomers, Healthcare, the Economy and Network Marketing

The Boomers want to look and feel younger, they want more energy, and high quality natural health care products. They want to feel good! They're a particular bunch and once they make up their minds, there's no stopping them. Network marketers have realized the same and are quickly responding to the demand.

A recent Google search for natural health care products returned over 3 million hits, a similar search for network marketing of natural health care products returned half that number. Those with the foresight to identify this trend and focus their marketing on this audience will very shortly reap the rewards.

In the United States alone, adults over the age of 50 are responsible for over 500 billion of the dollars being spent in direct health care spending. That number is expected to be well over a trillion dollars in the next two years. This same group represents over 40 million users of credit cards, almost half of the total number issued in the United States.

The health issues the Boomers are facing are chronic and if they have their way, they will be around for a long, long time. Baby Boomers are confident, optimistic and extremely liberated. To maintain their current lifestyles, they have to take care of their bodies, minds and spirits. They're independent, educated and financially stable.

They know what they want and are more than willing to go after it. The equation, Baby Boomers+ health care products+ network marketing = financial success. This generation has made a habit of being young and they will not disappear quietly. They want to continue to live healthy and active lives and are willing to spend money to do it.

Education for network marketing is the key to positioning ahead of this trend. You may say that you do not have time to learn how to be successful in this very lucrative industry with your very busy lifestyle and I will be posting many articles to help you to get much needed education in this area or you can take a look at my to gain more information or you can let me know if you have any questions.

Baby-Boomers, Healthcare, the Economy and Network Marketing

Warm regards,
Susan Hinds
Phone 61363344083
US Toll Free Number - 1-866-725-1170
Yahoo or Skype - susanhindsoz

Healthcare Environmental Issues and Opportunities

The healthcare industry affects the lives of virtually everyone in the United States. According to the Centers for Medicare and Medicaid Services (CMS), healthcare expenditures will account for approximately 17% of the Gross Domestic Product this year. Many activities in the healthcare industry result in land, water or air pollution. Much of the waste is recyclable and consists of paper, cardboard, glass, plastic and metals. There are two other types of solid waste in healthcare: regulated medical waste and hazardous or chemical waste. Additionally, hospitals discharge large amounts of wastewater and release air emissions from their facility operations.

Oftentimes, hospital services are decentralized, departmentalized, or even managed by contracted services. There may be little or no centralization of efforts. There may be minimal regard, knowledge or control over minimizing waste or environmental impact. If healthcare organizations really want to decrease costs and reduce their carbon footprint, they must embrace sustainability with the full support of top management. They must pay close attention to what they purchase and what they discard.


There are many variables affecting healthcare waste minimization:

Healthcare Environmental Issues and Opportunities

* The types of products and materials purchased

* The types of waste segregation systems

* The degree to which wastes are identified

* The locations of the waste generation

Healthcare wastes can be categorized as:

* Municipal

* Recycling (Pennsylvania Act 101, for example)

* Regulated medical waste (Bio-hazardous or Red Bag Waste)

* Hazardous waste (listed and characteristic waste, commingled waste, pressurized containers and ignitable gas, and universal waste)

* Universal Waste (Batteries, Fluorescent Bulbs, Electronics, Mercury-containing Equipment)

* Waste water, Storm Water and Air Emissions

Municipal Waste:

The United States healthcare industry generates 6,670 tons of waste per day, most of which is solid or municipal waste. Of this solid waste, more than half is composed of paper and cardboard. Hospitals with excellent recycling programs recycle over 40 percent of their total municipal waste.


Many states mandate commercial and residential recycling of a wide range of materials. For example, Pennsylvania Act 101 mandates recycling in Pennsylvania's larger municipalities and requires counties to develop municipal waste management plans. The goals of the Act are to reduce Pennsylvania's municipal waste generation; recycle at least 25% of waste generated; procure and use recycled and recyclable materials in state governmental agencies; and educate the public as to the benefits of recycling and waste reduction.

Municipalities must collect at least 3 of the following materials: clear glass; colored glass; plastics; aluminum; steel and bimetallic cans; high grade office paper; corrugated paper and newsprint. Commercial, municipal and institutional establishments are required to recycle aluminum, high-grade office paper and corrugated paper in addition to other materials chosen by the municipality. Leaf and composting are required to be separated from municipal waste. Businesses, including hospitals, are encouraged to help reduce waste by purchasing products that are durable, repairable, recycled, recyclable and/or have minimal packaging, and to find other uses for surplus goods instead of throwing them away.

Regulated Medical Waste:

Industry best practices for red bag waste are between one and three pounds of red bag waste per patient day, yet many hospitals still treat 25 to 30% percent of their total waste stream as infectious. Bio-hazardous waste includes sharps, pathological waste, blood and blood products, blood-soaked items, and non-regulated chemotherapy waste. Most patients in medical-surgical rooms generate little, if any, infectious waste, however, there may still be reluctance on the part of hospitals to "source-separate" the bio-hazardous waste at the patient's bedside or at the place of treatment. Some healthcare organizations still consider all waste generated in a patient's room as red bag waste even when the waste contains no visible blood. Hospitals may fear that they will be cited with a violation should an item of trash be discarded improperly.

Progress in pharmaceutical technology has reduced the need for surgical interventions. Changes in healthcare reimbursements have decreased the length of stay in hospitals and increased home care and outpatient healthcare. Healthcare products are being packaged more efficiently and the use of plastics instead of glass has lessened the weight of many products. Despite all these advances, the widespread purchase and use of "disposables" in healthcare has created large amounts of waste that cannot easily be recycled. Many "single-use" medical devices can be safely sterilized and reprocessed and used many times. This can save healthcare organizations significant dollars by minimizing their need to purchase single use items.

Hazardous Chemical Waste:

The healthcare industry generates only small quantities of hazardous chemicals relative to the amount of municipal solid waste or bio-hazardous waste. Hospitals that own research laboratories generate greater volumes and more diverse types of hazardous chemicals. Healthcare laboratories that perform diagnostic testing often use a large volume of a few chemicals such as xylene, alcohol and formalin in their processes. Some labs recycle and reuse chemicals to avoid the cost associated with hazardous waste disposal and repurchase of new materials. Other labs are equipped with chemical analyzer systems with reagent reservoirs that reduce the total amounts of chemicals used and waste generated.

Wastewater Discharge:

Most healthcare facilities discharge wastewater to Publicly Owned Treatment Works (POTW). Dischargers are classified as major based on an assessment of six characteristics: (1) toxic pollutant potential; (2) waste stream flow volume; (3) conventional pollutant loading; (4) public health impact; (5) water quality factors; and (6) proximity to nearby coastal waters.

Healthcare Wastewater Best Practices include:

* Limit the use of water discharged through conservation and reusing water wherever possible.

* Train employees to use water more efficiently.

* Post signs at all floor drains and sinks to discourage employees from using drains to dispose of oil, vehicle fluids, solvents, and paints.

* Use non-toxic floor cleaners or "Green Chemicals."

* Consider capping off unused floor drains.

* Prevent any spills and drips from reaching the drain.

* Know where your floor drains discharge.

* Set up a preventive maintenance program for inspecting and cleaning floor drains, traps and oil/water separators.

Air Emissions:

Hospitals may generate air emissions from boilers, emergency generators, sterilization chemicals (ethylene oxide), air conditioning and refrigeration, paint booths, and laboratory fume hoods.

Boilers: Many hospitals operate industrial boilers, which generate criteria pollutants (NOx, SO2, particulates, CO) as well as hazardous air pollutants. NOx emissions from boilers are the most serious criteria air pollutant generated by the healthcare industry. Click here for information regarding EPA's new HAP regulations for boilers.

Incinerator emissions: As a result of the Medical/Infectious Waste Incinerators HMIWI rule, most facilities no longer have on site-incinerators.

Healthcare Sustainability:

Through training, education, source-separation, environmental purchasing, energy conservation, recycling initiatives and waste minimization, a green initiative will have a major impact on reducing waste and pollution. Healthcare facilities should organize a multi-disciplinary team of healthcare professionals and establish a sustainability program if they haven't already done so. A Green Team will reduce waste from healthcare operations while saving money. Paying attention to the little things pays big dividends. It is also an important component of any organization's public relations and marketing arsenal.

Healthcare Environmental Issues and Opportunities

How EES Can Help:

Environmental and Engineering Solutions, Inc. is the trusted source for environmental compliance for numerous hospitals. Our comprehensive services in sustainability, energy conservation and environmental, health and safety compliance make EES your best choice for sustainable development and cost savings. Call Tom Petersen at 215-881-9401 or email at for a complimentary site visit to review your current sustainability and compliance practices and to suggest areas for improvement.

Technology in Healthcare

The use of technology in healthcare has opened the way for improvements in a variety of areas. One proof of the advantages and benefits of technology is that more people are surviving diseases like cancer and heart disease due to the ability to diagnose them earlier than previously capable. With this capability comes the advantage of being able to use a protocol that may be less drastic than one needed as the disease progresses. With a disease like cancer, as it metastasizes, the ability to fight it and eliminate it gets harder and harder. Although, another use of technology in healthcare has brought us new drugs that can target more precisely the particular cancer cells along with being more targeted in other areas. It has also brought us new radiation equipment that can be far more accurate and not have to use the shotgun approach to get to the cancer. The beam can even be bent around key body parts like glands and arteries so as not to damage them when focusing in that area.

One interesting and futuristic advance is the use of robots. You can now have a robotic prostatectomy with an outcome that may be to the advantage of the patient. With the use of a robot in surgery there is a smaller incision or incisions which is less trauma for the patient, there is less blood loss, a greater chance of precise cuts around delicate nerves and tendons which may allow the patient a better chance of not having side effects from the surgery, and usually a shorter stay in the hospital and a shorter recovery time. The precision of the robot is far more accurate than a surgeon using his or her hands alone. One reason is the use of a microscope and lights in the area of the surgery. A doctor has access to this technology in an operating room but this is amazingly close and well lit in a very small area without having to cut the patient open. The accuracy of being able to see within a fraction of a millimeter is a great advantage for the doctor operating the robot.


Another area where robots are used is in robotic heart surgery. Again the accuracy and precision of the tools lead to a greater chance of a quicker recovery time and less trauma to the patient. The finer incisions and the likelihood of less blood loss are one advantage to using a robot in heart surgery. The da Vinci robot used in both heart and cancer surgeries and has the opportunity to be used in a variety of areas where precision and accuracy are paramount.

Technology in Healthcare
Technology in Healthcare

The use of technology in medicine has been instrumental in diagnosing diseases much quicker along with preventing diseases. One major milestone is the use of robots and the new robotic prostatectomy [] for treating prostate cancer. Also, robotic heart surgery [] has been a major step in helping heart patients heal quicker. Needless to say, the da Vinci robot is taking surgery to a place it has never been before.

Leadership & Management For The Health Care Industry

The contemporary health care industry is making substantial efforts to deliver quality care and increasing credentials driven by competition among the organizations. The main objective is to deliver effective health care service proposes to build the management and leadership capacity of health care managers and practitioners. There are many criteria taken into consideration for managing health care organization, such as:

Legislative role: The political & social factors influence on the productivity & accessibility of the health services. Higher medical costs reduces the utilization of services. Private insurance companies restraints from providing more benefits,& also increase premium rates. Non-insurers find difficulty to meet the expenses, & would be deprived of tertiary health care services. Private stake -holders expect profits from their investments, find hard to pay salaries to doctors & nurses, & ultimately derogate to invest in health industry. In such situations, managers or hospital administrators organise for public awareness camps, free consultation programs, special discount offers on investigative procedures, etc to attract customers/ patients.


Science & Technology: Involvement of technology & varied branches of science,such as, toxicology,bio-medical research bio-instrumentation, bio-materials, genetics, rehabilitation engineering, nutrition & diet, & others have accelerated the procedure of the diagnosis & treatment providing quality to life. Medical informatics provide services in various areas, such as, knowledge management, guidance on best practices, education of professionals, & the public,& the use of new communication & computer technologies. Electronic medical record services helps for easy creation, storage, retrieval & research of medical data. It proves remarkable advantage for telemedicine & medical tourism industry. Therefore analysis of outcome measures in comparison to knowledge & technology should prove cost-effective & efficient.

Leadership & Management For The Health Care Industry

Organization structure: Operating standard equipments, sanitation, hygiene, availability of emergency & safety measures are essential components of hospital. The emerging science of quality management, such as, registered national hospital accreditation certificate, & international accreditation certification (JCAHO, JCI) has occupied the place of pride in hospitals. Six sigma approach for improving methodology, reducing variability & waste, giving greater patient satisfaction rates are highlighted for success.

Managing organization: Hospital administrator have to manage the hospital staff with varied behavioural & educational status.The dangers outcomes of strikes, facing contradictions of union leaders are the major risks involved. Relationship (transformational) leadership motivates & inspires the staff members to see the importance & rate value to the task. Participative leadership works best in circumstances of disasters, outbreaks of epidemics, etc.

Internet & social media: The easy availability of information & knowledge from various intelligent resources has rationally mandated issues, in case of medical negligence, malpractices, illegal procedures,& given power to redress the grievances of our citizens. Therefore, customer feedback reports helps gain goodwill & increase credentials of an organization.

The challenging role of hospital administrator deliberately attempts to make strategies,that principally devotes benefits of health care service to everyone.

Leadership & Management For The Health Care Industry

Healthcare and Cultural Diversity

More than ever before healthcare professionals are subjected to dealing with a number of vast and various cultural diversities. As cultures within the U.S. continue to grow the understanding of how to deal with them must also grow. If cultural differences are not communicated appropriately it can cause uncomfortable and confusing situations for both the healthcare provider and patient. This can cause the patient to suffer due to loss of trust and respect causing the patient to be less likely to follow a treatment plan. Culturally competent healthcare is considered a human right, and increasing numbers of culturally inappropriate lawsuits filed in court are being won. Some cultures, such as Ethiopian, Islam and Chinese have very different laws, views and beliefs about healthcare. Because there are so many differences there are many legal implications that could possibly arise from cultural ignorance in healthcare.

Ethiopian traditional belief is that health results from equilibrium between the body and the outside world and that illness arises from disequilibrium. Ethiopian culture also believes in the use of herbs and spices for medicinal purposes which can sometimes have adverse interactions with western medicine. For example, large amounts of garlic and ginger are used for the common cold which can act as an anti-coagulant in high doses. Cinnamon is also used for the common cold which increases stomach acid and may inhibit tetracycline (an antibiotic used for many bacterial infections). Basil is used for headaches and insect repellent which acts as an anti-coagulant and has hypoglycemic agents due to the oil extract increasing blood clotting time and synergistic interactions with insulin. Most studies show people of different cultures do not tell their physician about their traditional medicine use out of fear of being judged. One legal implication that can arise while treating an Ethiopian may be a physician treating for a bacterial infection with tetracycline unknowing that he or she is taking large amounts of cinnamon for a suspected oncoming cold. If the cinnamon interacts with the tetracycline the bacterial infection can spread causing further harm even potentially fatal harm resulting in a legal dispute.


The Islamic culture considers an illness as a punishment for their sins. Abortion and assisted suicide is not permitted. Pork and alcohol is forbidden and Muslim women can't be touched by men who are not immediate family members. Muslims also fast from dusk to dawn for one month a year. Some legal issues that can arise may be a result of a physician prescribing insulin or heparin which contains pork ingredients to a practicing Muslim, or a cough syrup containing alcohol. A Muslim may not be aware that our western medicine contains these products. In addition, if a Muslim is fasting at a time of illness causing weakness and dehydration this can be seen as the physician not providing proper care, all possibly resulting in a legal dispute.

Healthcare and Cultural Diversity

Some Chinese theories about health are based on the observed effects of Qi. They believe Qi defends the body from pathological factors, provides movement and supports growth and development. They believe things like poor diet, poor lifestyle or strenuous work can deplete one's Qi. Yin and Yang is probably the most significant theory followed, it is the balance between opposites like cold vs. hot or excess vs. deficiency. The Chinese believe some bodily organs contain more Yin and others posses more Yang and will relate this to hot and cold with health complaints. For example one may complain of a "weak kidney" and insist their kidneys be tested when in reality they may be having back or knee pain or diarrhea. A "hot liver" is a common complaint which can refer to itchiness, skin eruptions or emotional stress. Medicine is also considered to have hot and cold effects. This makes it common for Chinese people to take less medication then prescribed to "balance" out the effects, and many would not tell their physician because they believe they are in the best position to judge their own health needs. So there could be a possibility of legal disputes if a liver complaint is made and the physician orders diagnostic tests and possible medication for the liver if in fact the complaint was made only due to emotional stress or itchiness. There can also be a possible legal dispute if the physician did not explain the importance of taking all of a prescription and the patient started taking less to balance their Yin and Yang and the medical issue persists or gets worse.

In conclusion, as one can see there are many different healthcare beliefs in different cultures. Some of these differences can cause confusion and misunderstandings for both the physician and patient. And although most western physicians will try to address an ailment of someone from a different culture in their best interest, it may conflict with their beliefs. Healthcare and cultural ignorance amongst all physicians is a subject that needs to be addressed. Proper training in cross-cultural healthcare will ultimately lead to a better understanding of the patient's needs and complaints, more respect for the physician and better adherence to treatment causing less legal disputes and a pleasurable, successful experience for the patient.

Here is a short video pertaining to health care and cultural diversity

Healthcare and Cultural Diversity

Damion Alva is a medical student, musician, university advisor and gym enthusiast. He also has a small business providing high quality designer inspired purses, handbags, sunglasses, jewelry and more. If you are looking to treat yourself or someone else to a gift then please visit []

Healthcare Crisis in America

Healthcare is one of the biggest problems in the country. Every day, millions of Americans are going without quality healthcare. This report will address the problem and show you a simple solution to get immediate savings on many of your medical and dental expenses, even if you are uninsured or underinsured.

If you watch TV, read the newspapers, or surf the internet, you've seen the topic of healthcare in the media. It seems there's something in the media every week about the topic of healthcare. The United States of America has one of the best healthcare systems in the world and yet so many people in this country go without quality healthcare.


It's getting harder and harder to afford good healthcare

Healthcare Crisis in America

Recent studies show that there are 44 million Americans with no health insurance. In addition to this, there are 70 million people that are underinsured. The federal government is constantly working to solve this growing problem, but unfortunately, it increases year after year.

The federal healthcare plan never got off the ground

The best effort so far was an attempt to create national healthcare for all Americans. Congress refused to approve this proposal and the issue has been on the shelf for several years now. Maybe one day a national healthcare system may surface, but no time in the near future.

Then individual States tried to fix the healthcare system

After the federal government's attempt to regulate healthcare was placed on the back burner, more states created their own state-specific healthcare regulations. Today, there are hundreds of regulations nationwide for healthcare. The more regulations each state requires, the more the cost for health insurance goes up, making it harder for people to afford.

Over 1 million people filed bankruptcy in 1999... 40% of them were related to medical bills!

Just two years before, in 1997, only 28% of the bankruptcies were related to medical bills. What's happening here folks? Why the dramatic increase of bankruptcies due to medical bills? Why is this happening in a country that has one of the best healthcare systems in the world?

The uninsured vs. the underinsured

Harvard law professor, Elizabeth Warren, did a study about the rise in bankruptcies due to medical bills. The results of this study revealed that most of these medically related bankruptcies were filed by people who actually had health insurance.

She stated that underinsurance was a far bigger problem, as opposed to people who were not insured. No health insurance plan is designed to pay for everything. There are always limitations, exclusions and waiting periods that will leave you financially responsible for these out of pocket expenses. Unfortunately, many health insurance policyholders neglect to review these issues and are surprised at the time of their claims. As a result, they get whacked with an OOPS! - Out-Of-Pocket-Surprise! - which often means bankruptcy.

Healthcare Crisis in America

Healthcare Accounts Receivable

The largest and normally the most significant asset of all healthcare providers is their accounts receivable. Therefore, it is only logical that a system of internal controls to properly manage accounts receivable is designed and put in place.

Accounts receivable is the largest manageable asset of any healthcare institution like a hospital, for example. These days, only innovating solutions help in offsetting or preventing payment delays created by third party payers. Bottom lines that continue to tighten and shrink have made it necessary for healthcare providers to take all possible steps to make sure that optimal reimbursement takes place.


Accounts receivables management is designed to be a short term solution to difficulties that occur in cash flow and is operated as an extension of the hospital's business section. The goal here is to recover the funds owed to the hospital as quickly as possible while at the same time, reorganizing, recruiting, and training the staff to perform these functions as efficiently as possible.

Healthcare Accounts Receivable

A major benefit of this system would be the ability to access the hospital's system without the problems created by the file transfers of data. These problems are normally a necessary part of working with other A/R management services. The management of the hospital's account receivables system can be done through an inexpensive Internet connection and by coordinating with the staff to ensure that the workflow is consistent.

The benefits of accounts receivable management are an increase in cash flow, a reduction in the number of days in receivable, improved operations through increase in efficiency, proper guidance and training to the concerned hospital personnel, and statistical measurements that help keep track of the progress made.

The management of accounts receivables include various reports that deal with aging by pay or mix, insurance, collection analysis, write offs, bad debt reviews, and ratio analysis. A part of the process may include careful analysis of insurance contracts to make sure the healthcare providers are being reimbursed fairly for their services.

Healthcare Accounts Receivable

Accounts Receivable Factoring provides detailed information on accounts receivable factoring, accounts receivable collection, accounts receivable factoring companies, accounts receivable financing and more. Accounts Receivable Factoring is affiliated with Accounts Receivable Collection.

Healthcare - Giving or Greed?

As with any long-term solution, both compassion and wisdom must be integral parts of any healthcare solution. Capitalism and socialism must find ways to compromise on this very important issue; otherwise, the mounting problems we see in the United States regarding healthcare will worsen -- to the point of tearing apart the very fabric of our country.

The bottom line of capitalism, driven by stockholders and investors, is presently out of synch with basic human decency. We are in danger of defining ourselves as insensitive to the weak and those unable to speak for themselves. This is a troubling development for such a brave and giving country, and an indication of where our country could be headed, as well as a hint as to why the rest of the world is beginning to feel quite differently about us than they have in the past.


Hospital emergency rooms are no longer "emergency" rooms; they are waiting rooms, crowded beyond belief with the poor and uninsured. Where else can they go? If it wasn't for hospital emergency rooms, a large segment of our population would have no healthcare at all, something that does not happen in any other industrialized country in the world.

Healthcare - Giving or Greed?

A difficult, albeit compassionate-in-the-short-term burden faces our hospitals; they cannot turn patients away that have no money. If the hospitals turned people away, as they do in many underdeveloped countries, then we would be either forced to do something about it, if we have any semblance of compassion left at all, or we would look the other way and "tsk, tsk," as we do with our mentally ill that are living in the streets.

Even our middle class, who believes that they have insurance coverage, is never certain when their Insurance company may decide not to cover their claims. In the present atmosphere in this country, insurance companies, as well as all health related companies, can do as they please . . . as long as they satisfy their stockholders.

The karma generated by indifference to our fellow human beings, that are not as wealthy as we are, is slowly affecting our entire culture. Our competitiveness in manufacturing is falling behind other countries because employers bear the brunt of healthcare costs, which is at variance with all other industrialized nations.

This additional expense causes our auto manufacturers, for example, to produce substandard vehicles, and dismal sales, that might already be irreversible, are beginning to reflect the damage. All the while, people are losing their homes because of healthcare expenses, they are going bankrupt and experiencing stress related illnesses over and above their primary ailments, just because of the additional stress the healthcare system inflicts upon them.

Unless we truly want to divide our country into two classes, where we must be either wealthy or dirt poor to get help, which would de-incentivize the vast majority of our population, we must all share the burden of our less fortunate countrymen and countrywomen. If things don't change quickly, the discontent among the majority of the common people, who are being left behind, will build, and someday someone will come along that will speak for them. This has happened throughout history, and heads have rolled. It will be traumatic for all that are presently involved in unfairness of any kind, regardless of how clever and convincing their arguments may be about bottom lines, profit and economics. Time has a way of chipping away at deception . . . and time is running out.

Our present system, controlled by powerful people and institutions, must find solutions to our healthcare problems, and quickly, if they are to survive the coming changes. If the pleas of the common folks continue to be ignored, sudden, drastic upheavals will devastate these institutions. The sleeping giant that is mainstream America is just now awakening.

There is still time for compromise, but not much. Profits before people work only when people are asleep, and the alarm clock is ringing. Four "musts" will eventually have to be satisfied; the first "must" is universality -- that every citizen, regardless of age or financial status, will be covered for basic healthcare, including, inpatient, outpatient, and medications.

The second "must" is that the costs will be shared by everybody. The employer based system is presently breaking down, as more firms hire only part time employees or illegal immigrants to avoid the yoke of health care; or are refusing to offer healthcare at all. Employer based healthcare must be eliminated and another, more equitable system found. There are many models worldwide. Our income tax system and our healthcare system are disasters, complicated beyond reason.

The third "must" is that no one should ever again lose their life's savings or assets because of health related expenses, while stockholders and corporations reap the benefits. This means the end of red tape; the elimination of forms, deductibles, exclusions, pre-existing conditions, complicated programs to sort through, and all the horrible loopholes that make our present healthcare system a virtual hell for everyone, especially older people who cannot cope with these kinds of complications, such as trying to determine which pharmaceutical plan covers their many medications. It's becoming absurd.

The fourth "must" is about our culture, and what we have become. We profess to treasure life, yet we continue to inflict capital punishment. We profess freedom of religion, yet surreptitiously debase anyone who dares believe other than we do. If we cannot live what we profess publicly, then we are living a lie, and living a lie has consequences. It all comes down to making a fundamental shift within each of us; we either live the truth, or admit that we cannot. We must become compassionate, and that means we must become honest.

If we are deceiving someone, anyone, we need to stop. Just . . . stop. If your organization is deceiving people, or worse -- lying to people through the media that the organization is compassionate, while stealing from people behind their backs, then fight against it, or just quit. The world begins with each of us, and each of us must have the courage to change ourselves; it's the only way the world will ever change. Just look at the constant warfare in the world.

Pointing fingers at the other guy is simply refusing to look at ourselves. The world, the corporations, the governments only reflect what we are, they are made up of people just like us, and if we are anything other than honest, the karma we are making will someday devastate our lives.

It is a universal law.

Healthcare - Giving or Greed?

E. Raymond Rock of Fort Myers, Florida is cofounder and principal teacher at the Southwest Florida Insight Center, His twenty-eight years of meditation experience has taken him across four continents, including two stopovers in Thailand where he practiced in the remote northeast forests as an ordained Theravada Buddhist monk. His book, A Year to Enlightenment (Career Press/New Page Books) is now available at major bookstores and online retailers. Visit []

Healthcare - The Different Types of Health Conditions and Impairments an Their Important Differences

Healthcare, it's a very popular topic these days especially with the "graying of America," one of the deepest recessions we've experienced in 25 years, and people losing their jobs and the health coverage that often comes with employment. President Obama used his intention to reform the healthcare system and get coverage for more people as one of the key issues to catapult him to victory this past November. Medicare, Medicaid, prescription drugs, physical therapy, I could go on and on,but there's not doubt it's a topic that's on many people's minds, and also one that's very misunderstood because of the many various twists and turns the topic entails. While the purpose of this article is not to sort out the topic in it's entirety (I don't think ANY one article could do that), the sub-topic I wish to address is a very basic one.

One thing that I've noticed in my practice is that people don't understand the basic type of impairments that one might experience and the care these impairments require that would cause them to go to the healthcare system for help. Without understanding the basic impairments, how they are defined, and what they entail helps explain why there is even greater confusion, and even frustration whenever there is a problem at one of the more advanced levels in the system. If what follows helps to clear up healthcare at it's most basic level for its readers, it will have done its job.


ACUTE CONDITION - Can be defined as a health impairment that, if not taken care of immediately, can lead to death or long term disability. In most cases, an acute impairment can strike and be completely cured such as when one gets the flu. But it could strike, and even with care, leave one permanently physically impaired like a stroke (more about this later.) When one first gets the stroke it is imperative that the person gets to the hospital immediately because the quicker it's caught, and the proper steps taken by qualified professionals the less the long term effects. This is what makes it an acute condition in the beginning. When you hear the topic of healthcare being discussed in social circles and on the news, more than likely it is financial assistance with acute care that is being discussed. When we have an acute impairment we go to the doctor, or a health clinic or hospital depending on the severity of the impairment. The treatment is paid for by health insurance that we have either through our employer or on our own, by Medicare if we're disabled or age 65 and older, or by Medicaid if qualified by income.

Healthcare - The Different Types of Health Conditions and Impairments an Their Important Differences

CHRONIC CONDITION - The next type of healthcare we're going to discuss is regarding people who have conditions that can be managed but not cured. People with chronic conditions can live somewhat normal lives, meaning they can live in their own home, cook their meals, shop, bathe, drive to the store, walk etc. without any assistance. They also might be physically or mentally impaired. Which we'll further discuss below.

PHYSICAL IMPAIRMENT - A physical impairment leaves one incapable of performing one or more of the Activities of Daily Living (ADLs) which are

1. Eating
2. Dressing
3. Toileting
4 Transferring
5. Bathing
6. Continence

A physical impairment can be an acute condition such as breaking both legs in an automobile accident, but once the bones are set and a cast or splint put on the legs, the condition is no longer in need of immediate medical care since the malady received the proper medical attention. Until the leg heals though, the person will probably need CUSTODIAL CARE, which is help in performing everyday tasks, or one of the ADLs listed above, tasks that most of us do ourselves and probably take for granted. After everything heals the person more than likely will be back to fully functioning.

A physical impairment can also be chronic such as a stroke and/or Parkinson's Disease. These conditions might require the person to have custodial care as mentioned above, which is typically performed either at home and known as INFORMAL CARE or performed at a nursing or rehab facility where the care is provided by nurses aides and is called FORMAL CARE since it is being performed by professional caregivers. The chronic physical impairment might also require SKILLED CARE which is care performed by doctors, nurses, as well as physical, occupational, and speech therapists.

This is where payment for care gets to be difficult. Typically health insurance will cover the costs of the acute condition(at least most of them). For example, the guy in the first example with the broken legs from a car accident, will be covered by health insurance that will pay for his transport to the hospital, the skilled care received there, and at least up to six weeks of physical therapy. If he's over 65 and on Medicare his hospital and post-hospital care will be covered for up to 100 days.

When the condition is chronic is where the coverage stops and the panic, fear, and frustration set in because unless one has Long Term Care Insurance, or a good Disability Insurance policy, the coverage for the chronic condition must be provided personally by the patient or family and this is where financial devastation sets in. Though some may disagree with me, I think even if some type of universal health coverage is passed, chronic condition care is still going to fall on the affected person and his/her family, because most nursing facility stays currently run 0 per day and up. For the government to cover everyone for acute conditions AND chronic conditions too would take a heck of a lot of money (meaning a HUGE increase in taxes.)

MENTAL IMPAIRMENT - Mental impairment is the final topic of discussion today. Like a physical impairment it can be caused by an acute condition, such as a stroke. It can also be a strictly chronic condition that never had an immediate care need, such as Alzheimers disease. If fate allows it there can be a double dose of destruction, both physical and mental impairment, such as Parkinson's Disease with dementia.

A mentally impaired person might need custodial care, but a different type of custodial care than a physically impaired person. A physically impaired person might have trouble performing one of the aforementioned ADLs, which is not necessarily so with the mentally impaired person. A mentally impaired person, in many cases, can go to the toilet by himself, that's something he's been doing for years. It's just his short term memory that's shot so while he can eat by himself, two hours later he will have forgotten what he ate or will not even remember eating at all. The custodial care required by a mentally impaired person might be to watch him, much like a child, so he doesn't indirectly harm himself by turning on the gas to cook and forgetting about it, or walking out the door into the middle of a heavily travelled roadway.

As you can see the topic of healthcare is more involved than providing coverage for people to get a physical, and their blood pressure prescription filled. It's even more in depth than I've covered here. Some might want to disclude out of hand those that have chronic conditions because they don't consider that to be "healthcare," but for the people and the families that are suffering from those conditions, they are health conditions that are very real. Since we can't ask us taxpayers to cover everything, where we draw the line, and who can objectively draw that line?

Healthcare - The Different Types of Health Conditions and Impairments an Their Important Differences

Christian Halas is owner and wealth manager with Halas Consulting located in Pittsburgh, PA. Halas Consulting prides itself in providing unique and objective solutions to various insurance, investment, banking, tax, and estate issues faced by individuals and small businesses. Investment services provided in conjunction with Venn Wealth and Benefit Services, a PA Registered Investment Advisor. Christian can be reached via email at with any questions or comments on this article

Healthcare IT: An Emerging Sector

The importance of healthcare IT companies have grown manifold after the new healthcare Act emphasized on the importance of technology in healthcare and made mandatory the use of certain software and technology in the health sector.

However healthcare IT is a relatively new industry and most companies are start-ups. The Affordable Care Act may have given the industry but the success of a healthcare IT company will depend on a lot of other factors.


- Healthcare is an amalgamated market of various small sectors particular diseases, cures, healthcare providers, information technology, healthcare software, insurance, etc. Each of these is a separate industry in itself and what works for one may not work for the others. Companies will have to develop separate ideas and business plans to deal with each of these sub sectors.

Healthcare IT: An Emerging Sector

- Healthcare IT is neither healthcare nor IT. Healthcare IT companies need to understand their domain completely. The regulations are stricter and the guidelines different. Companies will have to be careful about the regulatory bodies, rules and laws that can vary from state to state.

- Since the federal government has already given guidelines about the software and technology that needs to be implemented, the product will remain more or less the same across companies. However it is the additional features and innovations that will transform your product from 'nice to have' to being a must have. And it is this change that will make all the difference

- Though the use of certain healthcare technology is mandated, the customer should be convinced that his business will benefit more financially by using the product from your stables than without it. It is important to make the customer understand that investment in healthcare technology could be costly but the returns would be even more profitable.

- In the healthcare industry it is foolish to assume that consumer will wake up one day and start taking better care of him. The growth of your healthcare IT company depends on the brilliance of the product and the creativity in marketing in it.

- Word to mouth publicity is a critical aspect in marketing healthcare IT.

- Involve those who will ultimately use your product- healthcare providers and doctors. Talk them about the problems they face with the current technology and then develop a product that is easy and simple to use and does not alienate them.

- Working in the healthcare industry is not only financially fruitful but socially rewarding as well. Enjoy the experience of working for something that benefits not only you but the entire community as well.

Healthcare IT is an emerging but an important sector. It is just the beginning. Healthcare technology and regulations are evolving and changing by the day. Healthcare IT companies need to be on their toes to respond to the newer demands of the health domain.

Healthcare IT: An Emerging Sector

Shaun Mike is well known authority on health insurance in the US. He is currently looking to expand his expertise to health insurance and other healthcare software available.

BPM in Healthcare

Healthcare is a core focus area across countries all over the world. Providing and improving healthcare facilities to the population ranks amongst the topmost agenda for Governments. However, healthcare industry has grown on beyond the realms of it being solely a state function, especially true for fast-developing countries such as India. While in the developed countries private healthcare has long existed, India was relatively slow to start off, with post-reforms scenario witnessing a rapid growth of large-scale private healthcare providers.

In spite of thriving healthcare industries, whether they exist in developed or developing nations, IT has only had a limited role to play in healthcare companies. As opposed to other industries such as banking, finance, insurance, manufacturing and defense, among several other verticals, that have witnessed paradigm shift in way the business is done, healthcare has had to contend with quick-fix solutions that never really went beyond recording information digitally and managing records. The reason given is that healthcare is an extremely complex industry to really benefit from large-scale enterprise grade solutions; and that the enterprise solutions cannot go beyond automating the administrative and financial functions.


Recent times have seen advent of solutions such as Electronic Medical Records Systems, Healthcare Information Systems, Practice Management Systems and Clinical Decision Support Systems. However, all these systems are still focused towards micromanaging individual functions. The emergence of Business Process Management as an approach to automate, centralise and manage healthcare processes is ringing in unheard operational efficiencies, sweeping productivity gains, greater quality healthcare to patients, and adherence to mandatory compliance regulations.

BPM in Healthcare

Challenges in Healthcare

Process automation has been viewed with a lot of skepticism in the healthcare industry, especially for the clinical and operational processes, which directly deal with patient care. However, BPM goes beyond mere automation of processes and can provide robust platform for gains across all categories of healthcare processes, be it clinical, operation, financial, administrative or human resource. Before describing how BPM actually help companies in these areas, a quick look at the challenges puts forth the pain points of the healthcare industry:

o Ensure clinical excellence & improved quality of patient care: Amidst rising number of patients, increased complications and limited resources, providing the best healthcare becomes a daunting task. Each patient's problems are unique, and developing and maintaining clinical excellence by adhering to best practices while catering to distinct individual treatment requirements for every patient is the biggest challenge for healthcare providers.

o Decrease cost of operations & administration: As hospitals grow to become large enterprises, managing functions of their operations, administration and finance departments in themselves become extremely difficult to manage. With individual solution for each of these functions, it becomes cost-and-resource intensive, replete with data redundancies. However, managing them under one umbrella brings its own set of challenges.

o Comprehensive management capabilities: Every organisation strives hard to provide complete visibility and control in their processes to process stakeholders. Problems and bottlenecks often remain hidden due to unavailability of tracking information, often leading to uninformed, and at time, costly decisions or indecisions.

o Ensure adherence to regulatory compliance norms: Healthcare industry is one of the foremost industry that has to abide with stringiest of compliance regulations such as HIPAA, OSHA and CLIA. Failing to comply with these regulations could obliterate small players as well as behemoths. Compliance is an intensive and constant exercise that involves extensive documentation to demonstrate compliance to stipulated norms. Without an automated and centralized system, managing compliance becomes nothing short of a nightmare for the organisations.

o Leverage existing investments: Healthcare companies usually have disconnected IT systems working in individual departments. Companies, big or small, always look to extend the value of their investment in their legacy healthcare systems. The enterprise-grade solution must not only be able to bind together distinct legacy systems to coherently work together under one hood but also provide functionalities such as SOA support and Web-based access, monitoring, and administration.

o Acquire & retain quality staff: Talented professionals, especially doctors, are a rare commodity. Equally critical is the good quality support staff. Amidst rising competition, retaining talent is one area companies are always struggling to cope with. Companies, while striving to provide best healthcare (quick and appropriate diagnosis, accurate cure, no erroneous prescriptions, minimal side effects in least time and cost, also have to walk the tightrope of not overburdening their doctors and staff. Without streamlined processes for cure and treatment, Companies are always struggling to balance the oft-conflicting requirements.

Addressing such a diverse set of requirements, with the fulcrum being people care makes BPM for healthcare a unique and complex system. BPM must enable healthcare providers during all the phases namely diagnostics, treatment, and post treatment.

How BPM Helps Healthcare Organisations

With healthcare organisations becoming giant enterprises, they demand constant increase in efficiency and productivity, while minimizing the cost. BPM helps achieve healthcare organisations, big or small, achieve these by managing and impacting all the functional areas, which mainly involve clinical/medical, operations, administration and finance. While clinical function is unique to the healthcare industry, administration and finance are similar to these functions in other industries. Operations also involve distinct needs for health providers.

Clinical/Medical procedures: Often touted as highly complex to handle, clinical procedures form the core of what a healthcare organisation offers. It's not just about a standard set of instructions to be strictly followed for curing a patient; rather it involves closely monitoring and making critical decisions at each step of the documented procedure, carefully analyzing the repercussions of prescription/ treatment at each step, anticipate drug interactions, derive inferences from patients' medical history, choosing best alternative for cure among many to provide best quality and cost-effective healthcare to patients, while directly impacting the bottom line of the organisation. To add to the complexity, the patient might be involved in more than one healthcare process at a time.

Following this procedure customized to individual patient's cure plan and variations is a humungous exercise, and requires much more beyond access to patient records and data.

Using BPM's interactive interface, process could be quickly designed/modeled and changed as per the requirements. These processes are designed as pet the defined workflow with stakeholders for every stage of the workflow. Built-in rules embedded in BPM engine provide alerts and reminders if a drug is recommended that has potential negative interactions within the prescribed cure process. Similarly, time-bound actions, if not completed on time, could be raised as alarms. Process stakeholder (usually a senior doctor) can immediately determine the bottlenecks hindering the process, and accordingly remodel and redistribute work so as not to impact the overall procedural effectiveness. This is required because important resources like doctors could be allocated to more than one process. In addition, processes users can provide their comments for particular stage of treatment. Since everyone can view changes immediately, the information is immediately communicated in an unambiguous manner to everyone. Detailed analytics enable process stakeholders to evolve a more efficient and effective process in future.

Therefore, healthcare organisations can greatly benefit from such a system, which has a comprehensive and relevant rules engine at its heart. Such as system not only helps making timely and informed decisions but also enables effective collaboration and extensive analytics. The power of BPM lies in its ability to be used effectively by hospital staff having no knowledge of coding. Process designing is as simple as dragging and dropping elements on the screen. Also, no customization of code for re-designed processes is required. Simulation provides process owners flexibility to analyse the real-life situation beforehand.

Operations: A Healthcare organisation's health (read topline/bottomline) is a direct measure of number of patients successfully treated in the shortest possible time. This depends largely to streamlined operations, which involve timely and accurate action for allocating wards to patients, shifting patients to different wards, ensuring optimal supply of medicines and equipments, ideal usage of surgical and high-cost equipments, maintaining operation theatres ready for anticipated cases, ensuring clear and low-cost communication, among several other similar tasks. BPM manages all these functions under clearly defined processes, which weave together with other processes to ensure maximum productivity and efficiency.

Administration: Administration is responsible for keeping the organisations in good health. BPM provides comprehensive capabilities for large healthcare enterprises to keep the infrastructure running smoothly in order to enable organisations to provide healthcare in most effective manner.

Finance: Finance is the lifeblood of any organisations, and is no different for Healthcare organisations too. BPM provides immediate and pervasive benefits across all the Finance functions such as accounts payable, accounts receivable, audits, budget administration, payroll, risk management, billing, tax calculations, contract administration, cash flow administration, financial reports, etc.

Research and development: Research and development is a critical but cost-intensive area for companies in Health industry, especially Pharmaceutical companies. BPM helps define processes for developing new drug molecules, better operating techniques, employing new technology in prevalent procedures, improving effectiveness of existing drugs and medicines with lesser side effects, etc., by providing comprehensive and immediate access to data from various sources, analysis of extensive tests, documenting results for posterity, and shortening research time. With BPM, R&D witnesses shortened cycle times and better resource utilization.

BPM Benefits

The benefits, which healthcare and pharmaceutical companies obtain, are both tangible and intangible. On one hand, lower costs, improved efficiency, enhanced productivity, and bulging bottom line make for good numbers; while on the other hand, helps conforming to compliance, fostering innovation, employing best practices, mitigating risks and achieving higher credibility.

Some of the major benefits are as follows:

Highly improved patient care: BPM makes healthcare companies agile in achieving their goal of providing best healthcare at the least cost and in minimum time to patients. With streamlined processes - spread across the enterprise and working towards the single goal - results in patients getting increased individual focus and faster cure.

Lower Costs & improved bottomline: With BPM affecting all the aspects of functioning of Healthcare companies, weaving them seamlessly under one umbrella, enables cutting costs from every single activity. With proven implementation methodologies like Breakthrough Methodology, the bottomline benefits can be rapidly obtained.

Compliance: Ensuring compliance with ever-evolving regulations is a vital function for the global companies operating in different business environments across the world. BPM helps companies conform to compliance needs and employ best practices, without sacrificing their corporate policies. Also, with compliance-solution in place, companies build effective risk assessment, management and mitigation capabilities.

Diversification: The rapid growth of Healthcare industry has resulted in pure Healthcare providers going beyond providing mere services and individualized care, and diversify into allied Life Sciences domains such as biotechnology, bioinformatics, genetic engineering and molecular medicine, among others. Having a BPM in place enables such organisations to effectively manage new ventures by providing complete visibility and tight monitoring for new processes while leveraging existing investments in business.

In addition to these, there are multiple other equally important benefits such as retaining talent, leveraging existing investments and drastic improvements in quality and time-to-market.

BPM, therefore, is much more than a mere fad for the Healthcare and Pharmaceutical industry. To the organisations prepared to adopt it whole-heartedly, it brings tangible and measurable benefits; thereby ensuring companies can set off on a high growth path.

BPM in Healthcare

Punit Jain heads Sales and Marketing at Newgen Software Technologies ( ), where he has been working for over 7 years. He has 18 years of multi-industry experience in international and domestic marketing. He started his career at Centre for Development of Telematics, Bangalore. Between CDOT and Newgen, he has worked in many reputed companies.

Insurance Credentialing For New Healthcare Practices

Time and again new practices invest countless hours and money focused on office space, equipment, software and staffing only to open their doors for business and find significant delays in getting adequate insurance reimbursements. More often than not, the problem could've be allayed by addressing the insurance credentialing process early and thoroughly - creating the necessary relationships with insurance carriers. Here are a few considerations to keep in mind as you address the insurance credentialing process.

Timing - Start Early!


Plan on starting the insurance credentialing process early - at minimum allow at least six months before you see your first patient. Carriers will often take as much as 3-4 months to review documents and make a determination, even if everything is in order. If there are errors, missing information or a question about submitted documentation, several more weeks or even months can be added to the process. This six month allowance, starting from the time credentials are submitted, usually gives enough time to address problems should they arise. If too little time is granted before the practice opens, and you begin seeing patients before insurance credentialing is complete, you are open to the risk of getting an "out of network" rate, reimbursements might be sent to the patient, or, worst case scenario, you may not get paid at all.

Insurance Credentialing For New Healthcare Practices

Identify Target Carriers

To define which insurances you might credential with, consider your practice location and patient demographics. Will a significant percentage have Medicare or Medicaid? Is there a particular company or business in the area that employs a large portion of the surrounding population? A quick call to their human resources office to inquire what insurances they currently offer employees (as well as possible changes the near future) can be a good indicator of the carriers you'll want to consider.

Also, check with colleagues, other providers, clinics and even larger hospitals in the area and ask who their most common payors are. Inquire about which payors are best to work with - who reimburses in a timely manner, which offer the largest enrollments, and which carriers might be at capacity with other providers in your specialty.

As you identify which insurance carriers might be most popular in the area, make a list of the top 10 or 15. Then, think about what other providers are saying and pare that list down to the top 7 or 8. This will be your short list of where to go next. Don't go overboard and choose too many from the start - if nothing else, you'll run yourself ragged in keeping up with the submissions.

Contact Insurance Carriers

With your list of 7 or 8, prepare to spend at least an afternoon (or more) on the phone with the provider services offices of each of your target carriers.

One of your first questions might be to ask if they are accepting new practices in your specialty in your area. More often than not there's no problem here, but don't be discouraged if they say no - just keep moving down the list and prepare to check back with them later for an opening. (Just remember, if several carriers on your list indicate they are closed to new providers, you might want to reassess your location before moving forward - finding multiple carriers closed to new practices in the same area is a strong indicator that there's a lot of competition in the neighborhood.)

If the carrier is receptive to new providers, make sure you get all pertinent information about the process - i.e. names, addresses, phone numbers, timing, required forms, and so on. Don't forget to ask about online submission too, as many carriers today allow you to provide all information online and mail in the supporting documentation.

**Remember that carriers won't start the insurance credentialing process until you've established a practice phone number and address (a PO Boxes are not acceptable). If you've established a practice address but haven't moved in yet, carriers can usually send the forms to an alternate address, but you'll still have to identify the location to get things going.

Submitting Credentials

Now that you've completed your research and identified which insurance carriers you're going to file with, you'll need to compile and submit all of your information. Most will generally require you provide the following:

While this can be a lot, there is some good news - since most carriers ask for the same information, once the first submission is complete, you can just transcribe all the details from one form to the next. You will also benefit enormously in the future by storing copies of these documents in a safe place. As your practice matures and you seek to credential with other insurances, you'll have this same repository of information readily available.

Once you've completed the application, don't forget to double check everything. In fact triple check it and have someone else look over it as well. Don't expect carriers to correct an obvious mistake for you - it's not their responsibility, and, frankly, they just won't. The importance of double and triple checking cannot be stressed enough as the entire process can be help up by a month or more from the slightest mistake.

Finally, after your information has been submitted, allow an appropriate amount of time (1-2 weeks for mailed submissions) and follow up with the provider services office to confirm receipt. If you were able to obtain a contact name in your early research call them directly. Once receipt is confirmed don't hesitate to follow up again in say, 3-4 weeks to see if they've reviewed it yet or if they found any problems. If everything's on track, plan on checking back in another 3-4 weeks until the process is complete. This can save a lot of turnaround time if you can learn over the phone there was some sort of hold up. As alluded to above, expect this part of the process to take several months - credentialing offices are often centralized and may be reviewing hundreds of submissions for many different areas at any given time. If there's no movement after several months, you consider stepping up your calls to a weekly basis.

Hopefully your hard work and phone calls has paid off and you've made it through the insurance credentialing process in just a few short months with your original list of 7 or 8 carriers. If you're up for the challenge yet again, consider going back to your longer list of 10-15 and start the process all over again with the remaining carriers.

A few shortcuts

Here are a couple of shortcuts to credentialing not mentioned above.

Hire professional assistance: There are many different organizations that can help with the insurance credentialing process. If you've contracted with a practice management company this process is often covered already. If you're considering a medical billing company to manage your insurance and patient billing they certainly should have the experience with carriers to provide at least some guidance, if not manage the process for you. Also, there are a few professional insurance credentialing companies that specialize in this process for new practices but they can often come at a high price.

Universal Credentialing DataSource: The Council for Affordable Quality Healthcare has developed an online service intended to eliminate the need for multiple insurance credentialing submissions. In short, you complete one form for all of their participating insurance carriers and you authorize who will receive your information. The CAQH Universal Credentialing DataSource is located at:


The insurance credentialing process is critical to getting your practice off to a good start - and ensuring a quicker transition to profitability. While it can be time consuming, an early start will give you the chance to address problems should they arise. Just be patient and keep these tips in mind and you'll get through it:

Insurance Credentialing For New Healthcare Practices

For more information on medical billing and medical billing companies, visit Diversity Medical Billng Services []. Diversity is a full service medical billing company offering customized medical billing solutions to practices across the US. You can also find more Medical Billing Articles and Information [] in our Medical Billing Knowledge Center.

Healthcare - Health Insurance Providers Review - Mutual of Omaha Insurance Company

Mutual of Omaha Insurance Company is a name brand within healthcare. This review of health insurance providers will highlight the changing directions in healthcare that Mutual of Omaha has taken.

Established in 1909 in Nebraska, Mutual of Omaha Insurance Company has remained one of the larger providers of healthcare. There are three associated subsidiary providers in this carrier group. Since its inception in 1970, United of Omaha has carried the main thrust of the life insurance products sold. Other business comes from Companion Life Insurance Co in New York, along with United World Life Insurance Company, formerly known as United World Insurance Co. While health and life insurance is the primarily focus, the parent company is also involved in banking, real estate development, and the sale of Mutual Funds.


Now Mutual of Omaha has sprouted into a sort of a three-headed creature, with each of these head snipping at the other's business. Formerly there was only one many focus on where to obtain health insurance business. Having over 150 offices, the company had exclusive training facilities at its home office facility. When you think of healthcare, you tend to think of medical insurance. Disability insurance is a form of healthcare, and this is where for many years the company tried to make its mark. Agents were trained to sell disability coverage first, hospitalization and health supplement next, and then life insurance through United of Omaha last.

Healthcare - Health Insurance Providers Review - Mutual of Omaha Insurance Company

Their website mentions that when you have a sales career at Mutual of Omaha you have more than just a job. My analysis shows that the retention of healthcare representatives is not much higher now then when I was a unit sales manager with them. However, there are way fewer career sales offices available today. The company is licensed to sell in 50 states, with few restrictions. Their life and annuity sales have remained consistent the last few years. Meanwhile, rapid growth is show in accident and health insurance premiums being collected.

The reason for tremendous growth in this area can be pinpointed opening up the distribution of its healthcare products to independent non-company affiliated brokers. Along with this, they are known for generous commission payouts and one to the top rated Medicare Supplement policies. This has caused a problem for a lot of 100 year old companies, that Mutual of Omaha Insurance Company has handled better than almost all the rest. This is where you have in house affiliated representatives competing with outside brokers for the same product selling with different commission rates.

I am appalled however at Mutual of Omaha Insurance Company to throw its hat in the ring of trying to straightforwardly entice consumers to buy direct from the insurer. This takes business away from its agents, and from the independent brokers. They tell an online prospective client that buying insurance online has never been more affordable or easier. Nevertheless, the insurer is extremely savvy and profit orientated. There are only four policies offered direct. They are whole life, children's life insurance, accidental death, and cancer insurance. The last three are some of the most profitable policies that they sell.

Looking at their asset to liability ratio for paying life and health claims, the current situation looks steady, with only minor variation range. There are companies that may be financially rated slightly higher. In this review, I would rate Mutual of Omaha Insurance Company, even above many of them. The reason is strong company management, along with a smooth melding of captive representative offices and brokerage operations.

They should just quit being a direct internet provider of insurance directly to consumers. Plus there is no reason for them to not put up individual websites for United of Omaha, Companion Life Insurance Company, and World Life Insurance Company. This is a cheap, beneficial way to help policyholders locate these other companies.. Hope someone in Omaha is listening.

Healthcare - Health Insurance Providers Review - Mutual of Omaha Insurance Company

Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

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Health Insurance Over 50 And Under 65

If you are between the ages of 50 and 65 and you are going to be looking for health insurance or are looking for health insurance you need some help. This is a tough age (of course what age isn't starting with the terrible twos) because you are at a prime age to start developing health problems. Statistically speaking and statistics is the only language insurance companies speak, the insurance company can predict they are going to spend more on 50-65 year old than a 20-45 year old. For that reason premiums are much higher for the older person.

But, we Baby Boomers are a smart group and where there is a will, there is a way. So let's look at some of the options:


If you currently have a job and are looking to retire or start your own business, you have a couple of avenues you can investigate. First you can inquire if your company will let you buy health insurance through the company plan. If your company will let you do this your employer (assuming we are talking early retirement) may subsidize part of your premiums. If not, you still get group rates which are a whole lot cheaper than individual rates. If you are married and your spouse is still working strongly consider adding yourself to his/her plan if that option is available to you.

The next option (if you currently have a job which provides health insurance) is COBRA or Consolidated Omnibus Budget Reconciliation Act. COBRA lets former employees and their dependents continue their employer's group coverage for up to 18 months. The best thing about COBRA is it is guaranteed. Your former employer's insurer can't turn you down even if you have a chronic medical condition. The worst thing about COBRA is the cost. Your employer generally covers 70% or more of your health insurance premium. With COBRA you have to pay the whole premium plus administrative costs. Industry surveys indicate based on an average premium (for 2007), a former employee would have to pay more than 3 a month for individual coverage and more than ,008 a month for family coverage.

If you are not currently employed by a company who provides health insurance there are still choices for you. If you have pre-existing conditions such as diabetes or high blood pressure you can receive coverage through a state high-risk health program designed to help those with medical conditions that prevent them from getting insurance. Again though like COBRA the premiums can be quite high.

You can also check out professional organizations you could join or are already affiliated with to see if they offer health insurance policies for members. Because these are group plans, the premiums may be less than what you would pay in the individual market.

Finally, there is the individual health insurance option. There has been some progress in terms of offerings of policies for the 50-65 year age group market mainly because insurers see this age group as a potential growth market. Many Baby Boomers are in good health and have higher income than younger people. Also insurance companies hope that retirees will still purchase their products, such as supplemental insurance, even after they're eligible for Medicare. Some of policies currently offered may have premiums as low as 0 per month for people who are in good health and willing to pay a high deductible. Many insurance advice columnists recommend combining a high deductible individual health insurance policy with a health savings account. HSA contributions are made with pretax dollars, and any money left over in the account at the end of the year is rolled over for future use. Withdrawals are not taxed if used for qualified medical expenses.

Health Insurance Over 50 And Under 65

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The Affordable Care Act Means Health Care Rebate Checks for You in 2012

Yes it's true, starting next year rebate checks will be in the mail. Federal regulations issued on Nov. 22 2010 called the "Affordable care act" required health insurance companies to prove that they spent at least 80% of their collected dollars on medical care and improvement efforts.

These regulations force the health insurance marketplace to become more accountable and require that they spend more of their dollars on higher end care. This means that Americans are going to get a better value for all of their hard earned money spent on health care insurance.

Health Care

Basically what these companies are doing with a large part of our consumer dollars is spending it on marketing, exec salaries, overhead and essentially just putting it their pocket. With the Affordable Care Act insurance companies will be required to spend 80 to 85% on actual medical care and quality health care improvement, instead of "administrative costs."

If they fail to comply, these insurance companies will have to provide a rebate check starting in 2012. These new rules will protect millions of Americans and some estimates are projecting that almost 9 million Americans will be eligible for rebate checks in 2012 with a value of almost 1.4 million dollars. The average rebate check will be around 4.

This federal regulation is requiring that insurance companies must publicly report how much they are spending on premium medical care, which is great information for all those consumers left in the dark for all these years. After years of input from the different states, public and stakeholders the decision has been made to make health insurance more of a fair process for consumers.

This act also requires the (NAIC) National Association of Insurance Commissioners to create uniform procedures and policies in calculating their medical loss ratio's, which is essentially how much is spent where and what part is being spent on quality medical care for the consumer and if it's not 80-85% the insurance companies will have to issue a rebate check for the difference.

Insurance companies in every state will now be responsible and held financially accountable in protecting the interests of the general public, policy holders and enrolled participants in their respective states.

It's outrageous that in some markets insurance companies spend as little as 60% on direct medical care and health care improvement. As much as 40 cents out of every dollar goes to the "administrative costs" of the health care insurance provider. So where does all this money really go you may wonder?

Timothy Jost who is a law professor at Washington and Lee University in VA says he estimates that these insurance companies spend 12% of every dollar that they get on pharmaceuticals and 31% for doctor's care, and 31% on administrative costs.

Hopefully this new regulation will force insurance companies to become more efficient and not raise premiums more than absolutely necessary and if they do then 80-85% of every dollar needs to be on actual care and not into the endless coffers of the insurance companies.

The Affordable Care Act Means Health Care Rebate Checks for You in 2012

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Causes of Dog Health Problems Bloody Stool Issues

Melena is the number one cause of dog health problems bloody stool issues. Melena and hematochezia cause the dog to have bloody stool. Melena is blood that the dog digested, and looks dark in color. Hematochezia is considered fresh blood in the stool and is considered minor compared to melena. Many health reasons result in a bloody stool and most tests by a veterinarian will confirm the problem.

This health problem causes a lack of energy and sometimes incontinence, as accidents happen due to the inability to move outdoors quickly. By restricting food, the dog will eventually stop the diarrhea and give the intestines time to heal. If the diarrhea results from infection or parasite, the problem will persist until proper medical is received. This condition affects all sizes and breeds of dogs no matter what you do to prevent it.


Causes of Dog Health Problems Bloody Stool Issues

Medications, infections, cancer and foreign objects digested by the dog. A metabolic disorder or hemorrhagic gastro enteritis may cause a dog to have a bloody stool. Some heavy metal or blood ingestion and gastrointetestinal ischemia are all causes of melena in dogs. Metabolic diseases cause ulcers of the stomach or intestines and can result from many different causes. If your dog health problems bloody stool issues arise with such signs as pale gums, frequent urination and thirst, lack of appetite and weight loss are all signs of problems along with dark black stools.

If the dog continues to have diarrhea for more than twenty-four hours, medical treatment is required. The first thing you can try is a bland diet of rice and potato instead of their regular food. This may help, but in case it does not, you may need to have a veterinarian determine the cause.

Diagnosis and Treatment of Dog Melena

When you notice black or dark colored stools, you need to contact the vet for further tests. These tests will include urinalysis, a biochemical work up, stool sample diagnosis, blood work up, ultrasound and chest/abdominal x-rays. After these tests are concluded, the vet will determine the exact cause of the dog health problems bloody stool issues and discuss treatment with you.

If the dog does not have a severe health condition, they may be treated at home instead of an overnight stay at an animal clinic. A special diet of a bland diet that is specified by the vet and any medications prescribed by the veterinarian need to be dealt with at home in order to treat the dog health problem bloody stool issues. In most cases, medications are needed to block stomach acids and coat the intestines. If you do not see any improvement, you need to contact the vet for further treatments. .

Get treatment for your dog if this problem persists and stick to a strict diet and medication schedule for proper treatment of a sick dog. The dog will need plenty of rest and a calm environment in order to heal and come back to health.

Causes of Dog Health Problems Bloody Stool Issues

You can also find more information at Boxer dog health and large dog health issues. is a comprehensive resource to help dog owners identify their dog's illness symptoms and treatment options.

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How the Healthcare Industry is Affected by the Economic Recession

The fact that people get sick and need care will not be changed whether there is an economic recession or not. Thus, it can be argued that the healthcare industry is recession proof. In addition to this, the population is currently aging, more obese and prone to unhealthy diets, and demand better healthcare. With this, it is predicted that the demand for healthcare services and healthcare workers in discount landau scrubs will increase exponentially in the next ten to twenty years. However, the issues may not be as easy and as simple as people would like to suppose.

Economic status


Despite a person's economic status, a person will always get sick at some point and need healthcare. However, the question is, with the coming recession and with people tightening their belts and budgets, can people afford healthcare especially since it has increasingly become expensive? During hard times, it is likely that people will put off healthcare as much as possible and prioritize spending for their living expenses and paying off their mortgage loans. Most likely, people will not seek the help of a medical professional unless it is absolutely essential. What this could entail is that while the number of patients who seek care will decrease in number, those who are seeking care will be more often sicker than usual.

Health insurance

For those who have health insurance, the recession years bring in higher co-pays, higher out-of-pocket expenses, and higher deductibles, plus changes in the coverage of beneficiaries. These changes will significantly alter the way Americans seek healthcare and thus impact the healthcare providers. Because of the new stringent policies of health insurance companies, people will be more reluctant in seeking healthcare, prioritizing paying the mortgage and buying food over paying for medical bills.

Different reactions

At the beginning of the recession, many people rushed to have surgeries and replacement procedures done, in the possibility of getting laid off and losing their health insurance-taking advantage of it while they still had it. On the other hand, other people forgo going to the doctor or getting checked, in the fear of losing their jobs if they were absent or took the time off from work.

Economic outlook

Thus the economic climate for the healthcare industry is not as peachy as most people would like to declare, and is actually erratic and hard to predict. Some hospitals and clinics have faced financial losses in the economic crisis because of the mention factors. Because of these, some have lain off some staff and others instituted hiring freezes. Still, these downturns are temporary. Those who have cancer, heart disease, chronic diseases, and emergency medical situations will have to seek healthcare whether they can afford it or not and the aging population will also require it. The nursing shortage is still being felt despite the economic crisis. The Bureau of Labor and Statistics estimates that there will be a 23% increase of demand for more registered nurses between 2006 and 2016. The bad news is that before the economy recovers, an estimated 4.2 million Americans could lose their health insurance coverage.

How the Healthcare Industry is Affected by the Economic Recession

Brent McNutt enjoys talking about discount landau scrubs and discount urbane scrubs as well as networking with healthcare professionals online.

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Healthcare Marketing

Overview Of The Healthcare Industry

The healthcare industry is quite a fragmented industry with many companies falling into the medical sector and other parallel sectors.


The mood in the industry currently is busy; due mainly to the fact that the population has boomed and resources are stretched. Healthcare funding is always in short supply and due to the current economic difficulties cutbacks are common.

Competition in the healthcare sector is high, and indeed is growing as more companies spring up.

Marketing In The Healthcare Industry

The healthcare industry is very active with its marketing using a wide range of marketing tools both for new business and also brand reinforcement.

Due to the growth and development of the healthcare market, specialist marketing companies have diversified and do concentrate on healthcare marketing. Many work exclusively with healthcare companies and use this as a USP to ensure they stand out as unique. Others have healthcare clients as part of their mixed portfolio of different industries they work in.

What Sort Of Marketing Tools Do Healthcare Companies Normally Use?

The industry tends to work in a specific way and as such do make use of certain marketing tools both for drawing in new business, but also communicating news.

The healthcare sector is unique and in many ways does not operate in the same way as other industry markets (such as retail, IT, recruitment etc.) as it is not as commercial.

Websites For Healthcare Companies

Websites are a big part of marketing for healthcare companies; giving up to date information about new products, services and any industry news.

Most healthcare businesses are quite web savvy and do make use of the internet as a form of communication. Their websites are normally quite basic HTML websites but quite a few do have flash websites to showcase their products in a creative and interactive way.

Internet Marketing also plays quite a big role in the marketing portfolio of healthcare businesses which links in to paid advertising and pay per click marketing.

PR For Healthcare Businesses

PR is a very effective marketing tool for healthcare companies. Used mainly for communicating business news and product launches it ties in well with any web advertising that is being done.

Crisis PR is something that is also used by many companies, as the industry does come under public scrutiny. Whether this is for protecting share prices, corporate espionage, or even problems that may occur within the business.

Telemarketing For Healthcare Companies

Inbound telemarketing is used by some healthcare companies, but the traditional B2B outbound calling is not really used within this industry.

This ties into what was mentioned earlier in this article, that the industry is not as commercial as other sectors that are more aggressive when it comes to their marketing and advertising.

Choosing A Marketing Company

Finding a marketing company that has healthcare marketing experience can be tricky due to the sheer number of marketing agencies around the UK. Something that could be time consuming both in terms of researching and selecting suitable agencies, but also in communicating with them.

Using a price comparison site can help save valuable time both in hunting down marketing companies with relevant industry experience; but also could save money in comparing costs - something that all businesses currently are looking for.

Healthcare Marketing

Marketing Quotes is a free price comparison service to UK businesses to help get free quotes and advise from local marketing companies.

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