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Question by Paul: Would it be better to buy health insurance before or after the new health care legislation passes?
I’m a healthy young person with no pressing need for any health care right now. I want to buy health insurance, but I don’t know if I should wait until after the health care legislation passes.

Will premiums likely be higher or lower afterwards? Will I be able to cross state lines to buy health insurance afterwards? These are just two examples, but I’m interested in ANY factors.


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Answer by Zarnev
Nobody really knows the answer to your questions because the final bill hasn’t been presented as of yet. The Rebulicans want to be able to buy across state lines but the Democrats don’t and they’re not listening to anything the Republicans say, and buying across state lines has not previously been in any versions of the bill. Anyone that knows anything about health insurance will tell you that the premiums will go up because there is little in the bill that actually reduces health care costs. However, don’t hold your breath because if and when the bill passes the only immediate effect will be an increase in taxes; the insurance won’t be available until 2014. The current projections are 10 years of taxes to pay for 6 years of benefits.

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I hope to post 2 videos a week up to the election referring to specific things Barack Obama has done to improve our economy, create jobs, bring up home prices, secure our borders, stabilize healthcare and provide it to millions of citizens not already covered, reform student loans and pell grants, save the auto industry and over a million related jobs, cut spending and raise revenue, and more. Yes, it’s a daunting task that’ll take a lot of reading, research, and critical thinking. Are you willing to do it with me and share our findings with the rest of the country? Make sure to tweet, facebook (especially in political discussion groups, tumbler, and share these videos). Get involved, register, and vote. Yes, this is my 1st scripted video on this channel. I wanted to make sure to keep it succinct and present facts instead of my usual “off the cuff” style. I’ll get better as I do it more often. Thanks for your patience.
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Scots will be better off after independence

A meeting to discuss independence was held in Glasgow on 13th Sept 2012 Partial transcript below: “Will we be better off after independence, economically, socially, politically, culturally? That’s what it comes down to. People will make up their minds essentially on that. The country will have more money. Scotland’s democratic political left of centre egalitarian, in a spirit of supporting peace, percolate to the top and this can be a country that would be so much better. That’s a process still in its embryonic stage cos people are grappling with this just now. People say to me, whether it’s the other mums and dads at school or the football team and they say see this independence “where do you stand?” My answer is I’m for it because I think we’ll be better off. Scottish working class people will be better off. In my political life I’ve always learned and cherished a short question merits a short answer. Don’t give people a 3 hour history lecture about the Declaration of Arbroath or references to Braveheart or William Wallace, Answer the question concisely and accurately. Working class people will be better off but there’s 2 sides to it: it stands to reason for me as a logician as somebody who’s involved in politics, I engage my intellect I’ve got: it stands to reason that if all the wealth generated in Scotland, the oil wealth, the income tax that we pay, VAT, the duty on petrol, whisky, all the taxes revenues levies and wealth that we create in this country stays here

Related Posts: 101 Steps To Better Health – Health & Fitness Tips More than any other time in history, people are all vying to have the best, healthiest body possible. The health and fitness industries are making billions of dollars every year on herbal supplements, fitness equipment, gyms and special diets. If you watch TV or read magazines, there are always some intriguing ads and commercials asking for money for products to help you get into shape. While many of these options are good and healthy, others you should stay as far away from as possible. Recently popular over-the-counter diet supplements have been in the news, after a number of deaths were associated with the main ingredient used in many of these pills. Now that you are ready to make a commitment to take care of your body, both internal and external, it is critical to your overall health that you do it the right way. In 101 Steps To Better Health, you will find tips for both health and fitness that will help you lose weight, discover ways to maintain a better, healthier lifestyle and be in the best shape of your life – all the smart way! 101 Steps To Better Health is divided into two categories. One for health, which focuses on herbal supplements, weight loss, dieting, rest and everything you need to know about taking care of your body on the inside. The other section is fitness, which has both internal and external benefits. On the outside, fitness includes weight lifting, running, sports, walking, things you can

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source Video : Tobacco Forces Still Strong This is the VOA Special English Health Report, from | http The Australian High Court ruled in August to support a law barring tobacco companies from putting their advertising logos on cigarette packages. The European Union is considering a similar ban. But a recent international study showed that some countries do little to control tobacco use. It found that the tobacco industry still has strong influence around the world.Researchers examined information about 3 billion tobacco users worldwide. They looked closely at tobacco use in 14 low and middle-income countries. They compared this information with tobacco use in two developed countries: the United States and Britain. Gary Giovino is with the University of Buffalo School of Public Health and Professions in New York State. He was the lead researcher in the study.He says, “Tobacco contributes an enormous burden to the health care system in developed countries.” He says that will become the case in low and middle-income countries in the near future. In India, he said, it already has. The study found China has 300 million tobacco users. That is more than any other country. India was second, with almost 275 million tobacco users. Dr. Giovino says the researchers found powerful pro-tobacco forces were active even in elementary schools.”The China National Tobacco Company,” he says, “has supported elementary schools in China — dozens and dozens
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NEW YORK (Reuters Health) – It may not be the first quality that most programs evaluate in their applicants, but a new study suggests athletic achievement could be the best indicator of how well a doctor-in-training will do as a resident.

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Belleville, Ill. (Vocus) June 10, 2008

The nationwide rollout has begun and Social Security Disability Insurance (SSDI) recipients in some states already have the option of receiving their benefit payments electronically on a debit card, rather than via a paper check. However, eligible individuals many of whom are unbanked should have a clear understanding of the pros and cons of opting for the debit card, particularly the financial ramifications, according to Allsup, which represents tens of thousands of people in the SSDI process each year. It also offers services that support the financial and health well-being of individuals with disabilities.

Before signing on to or totally dismissing the idea of the debit card program, potential cardholders should look at how they are likely to use a card, said Paul Gada, personal financial planning director of the Allsup Disability Life Planning Center. ”For some, the card may make sense. For others, they may realize after looking at their spending habits that getting a bank account may really be the best option. And there will be others that will always operate with cash only, regardless of the drawbacks it presents.”

The debit MasterCard program, called Direct Express, is run by the U.S. Treasury Department through Comerica Bank with the intent to encourage Social Security recipients who do not have a bank account to elect to have their benefits loaded electronically onto a debit card. Direct Express has been introduced in 10 states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina and Texas. The rest of the nation will be phased in throughout the summer.

Cost savings for the government could be significant, based on estimates from the Treasurys Financial Management Service. For example, it cost 89 cents to issue a paper check in 2006 compared with 9 cents to process an electronic payment. If the 4 million recipients of Social Security, SSDI and Supplemental Security Income (SSI) who dont have bank accounts signed up for debit cards, the savings could be $ 44 million annually.

Having monthly benefits electronically deposited onto debit cards also has its advantages for recipients, most notably convenience and security. For example, people with limited mobility who have the debit card would not have to make a special trip to cash their SSDI check or be concerned if they were hospitalized or otherwise unable to retrieve their benefit payment. Funds on the card are FDIC insured, just like money in a bank account, so the money is fully protected if the card is lost or stolen, although there will be a fee the second time a card needs to be replaced in any given year.

Evaluating the Costs

While cost savings for the government and taxpayers are obvious, it may not be as clear-cut for debit-card recipients. They may pay even more in transaction fees than the average six dollars to have a paper check cashed, especially if they dont pay attention to how theyre using the debit card.

The following questions are among those that Gada recommends before signing up for a debit card:

How accessible to you is an ATM in the Comerica network?
How often would you make ATM withdrawals and would they be at in- or out-of-network ATMs?
How often would you use the electronic bill payment feature?
Will the companies you are paying electronically charge you a fee for electronic payment?
Is there a bank in your area that could provide you with a more cost-effective solution for the features you want, such as ATM, electronic bill pay or direct debit?
If you are concerned about opening a bank account, have you spoken with a local bank to see if they can help alleviate your concerns?
Social Security recipients participating in the Direct Express program are allowed one free ATM cash withdrawal per month from a designated ATM. They are assessed a 90-cent fee for each additional ATM withdrawal. Cardholders may be charged an additional surcharge fee by ATM owners outside of the Comerica Bank network, which issues the debit cards. Additionally, program participants have access to online bill payment for a fee of 50 cents per online bill payment and can receive a paper statement for a 75-cent monthly fee.

Gada advises potential cardholders to consider how they would use the debit card. For example, rather than having to pay for a cashier check or carry large amounts of cash and pay bills in person, incurring a small transaction fee for electronic bill payment may be worth it, particularly for individuals who have a difficult time getting around. However, Gada noted, individuals should check to see if the organization they are paying will assess an additional charge for accepting electronic bill payment.

On the other hand, people who are going to head for an ATM every time they need cash will find transaction fees quickly adding up to little added value.

”In these cases, its time to seriously consider what is preventing you from getting an account at your local bank, because that probably would be your best option,” said Gada. ”Many banks offer no minimum balance checking accounts where you can have your Social Security benefits direct deposited and electronically pay bills or use their ATMs at no additional charge.”

Overcoming Banking Barriers

One of the reasons that some Social Security recipients continue to insist on paper checks is the fear that their bank accounts could be attached by creditors. However, under federal law, Social Security benefit payments are protected from attachment, meaning creditors do not have the right to take these funds from a recipients bank account. The same rules will apply to funds placed on Direct Express debit cards. There are a few explicit exceptions to the rules guarding against attachment of Social Security benefits. For example, Social Security funds can be taken to pay child support or alimony payments the individual owes.

”At any given time, there are likely millions of dollars in Social Security payments that are at risk because people on fixed incomes got into debt or are having a dispute with a creditor,” said Gada. ”Unfortunately, they are acting on inaccurate information that has them afraid to put their money into bank accounts where it can be protected and they can be afforded other benefits of being banked.”

About Allsup

Allsup, Belleville, Ill., is a leading nationwide provider of financial and healthcare related services to people with disabilities. Founded in 1984, Allsup has helped more than 100,000 people receive their entitled Social Security Disability Insurance and Medicare benefits. Allsup employs more than 500 professionals who deliver services directly to consumers and their families, or through their employers and long-term disability insurance carriers.

For more information, visit .


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The Creative Destruction of Medicine: How the Digital Revolution Will Create Better Health Care

The Creative Destruction of Medicine: How the Digital Revolution Will Create Better Health Care

What if your cell phone could detect cancer cells circulating in your blood or warn you of an imminent heart attack? Mobile wireless digital devices, including smartphones and tablets with seemingly limitless functionality, have brought about radical changes in our lives, providing hyper-connectivity to social networks and cloud computing. But the digital world has hardly pierced the medical cocoon.

 Until now. Beyond reading email and surfing the Web, we will soon be checking our vital signs on our phone. We can already continuously monitor our heart rhythm, blood glucose levels, and brain waves while we sleep. Miniature ultrasound imaging devices are replacing the icon of medicine—the stethoscope. DNA sequencing, Facebook, and the Watson supercomputer have already saved lives. For the first time we can capture all the relevant data from each individual to enable precision therapy, prevent major side effects of medications, and ultimately to prevent many diseases from ever occurring. And yet many of these digital medical innovations lie unused because of the medical community’s profound resistance to change.
In The Creative Destruction of Medicine, Eric Topol—one of the nation’s top physicians and a leading voice on the digital revolution in medicine—argues that radical innovation and a true democratization of medical care are within reach, but only if we consumers demand it. We can force medicine to undergo its biggest shakeup in history. This book shows us the stakes—and how to win them.

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Global healthcare gets a better platform
The first is that, at the eleventh hour, a recommitment to the MDGs, the call for universal healthcare and the recognition that health is a human right was added to the The Future We Want, the official Rio+20 outcome document. Second, and more …
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Innovative Healthcare: A Step in the Right Direction
Diabetes also costs our healthcare system nearly $ 12 billion annually, however complications account for 80 per cent of these costs. The Canadian Diabetes Association is encouraged by the Council of the Federation's (COF) recent report From Innovation …
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Insurance rebates mailed to nearly half million people
… talks about contract negotiations with Memorial Health Care System. Gregg is flanked by Roy Vaughn, right, vice president of corporate communications and incoming CEO Bill Gracey. Photo by Tim Barber. … As CEO of BlueCross BlueShield of Tennessee …
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The Company That Solved Health Care: How Serigraph Dramatically Reduced Skyrocketing Costs While Providing Better Care, and How Every Company Can Do the Same

The Company That Solved Health Care: How Serigraph Dramatically Reduced Skyrocketing Costs While Providing Better Care, and How Every Company Can Do the Same

Even with new health-care policies, one thing is clear: health-care costs will continue to rise dramatically. While individuals may get better coverage, businesses will have the same problem they’ve had for the last four decades. Health care, one of corporate America’s largest expenses, is growing at double-digit rates, and nothing done in Washington will change that.

But one medium-size company set out to tame the beast of rising health-care costs, employing best practices and cutting-edge ideas. The results have caused others to sit up and take notice. Serigraph, Inc., a Wisconsin-based manufacturer of decorative parts, and its chairman, John Torinus, did what Washington can’t or won’t do: reduce cost increases to less than 2 percent while improving the quality of health care for its employees. The implications for corporate America are staggering–the opportunity for genuine reform in an expense category that has been spiraling out of control.

Serigraph began its initiative to control health-care costs in 2003, when its annual health-care bill was million and another 0,000 was needed for the projected 15 percent annual increase. The company employed three strategies for reform, each of which can cut the health-care bill by 20 percent to 40 percent–consumer responsibility, the primacy of primary over specialty care and centers of value. Applied in concert with other management methods, these three approaches almost eliminated growth in health-care costs while improving the quality of employee care. The results are documented. They are beyond refute.

“The Company That Solved Health Care” describes the fascinating details of Serigraph’s program, and shows how any company can achieve similar results. This book is essential reading for any manager responsible for his or her company’s health-care expenses, any academic or thinker involved in the health-care debate and anyone who wants to better understand why health-care costs have been rising and what can be done to achieve price stability while improving patient care.

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