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Posts Tagged ‘consumers’

NEW Rights to Health Care by III Thomas J. Bole Hardcover Book (English) Free Sh

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NEW Rights to Health Care by W.B. Bondeson Hardcover Book (English) Free Shippin
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Health Care for Some: Rights and Rationing in the United States since 1930
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Now that President Barack Obama has won a second term, the Affordable Care Act is back on a fast track. Here’s a primer on parts of the law already up and running, what’s to come and ways that provisions could still be altered.

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The Smart Consumers Guide To Healers & Top Quality Health Care
Wisdom & Secrets Known Only By Advanced Healers. Discover Why Treatments Fail & Why Some People Can’t Feel Positive. Understand “oversensitivity,” Why You May Absorb Neg. Energy Even From Healers & What You Can Do About It. Selecting Top Qual. Healers.
The Smart Consumers Guide To Healers & Top Quality Health Care

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Atlanta, GA (PRWEB) December 18, 2007 -

Most people would agree that there is no worse feeling than needing something and not being able to find it. The problem is compounded when the “something you need to find” are documents that detail financial holdings, insurance policies and other important documents belonging to a loved one.

“If, like most people, you keep copies of your will, savings bonds and keepsakes in a lock box or safety deposit box, you’re doing OK,” says financial professional Bill Spalding. “But, a safety deposit box can be made better if it’s managed online and includes account aggregation.”

Account aggregation is a method that involves compiling information from different accounts, which may include bank accounts, credit card accounts, investment accounts, and other consumer or business accounts, into a single place. One of the best methods uses something called “screen scraping” where a user provides the requisite account-access information for an automated system to gather and compile the information into a single page. Usually this aggregated account information resides in a web-based application. With just a few keystrokes, the account holder can log in to a password protected site and view all their information online.

While such services are primarily designed to aggregate financial information, they sometimes also display other things such as the contents of e-mail boxes and news headlines.

Account aggregation programs vary in content and sophistication. Spalding prefers a program known as “Wealth Check” because of its ability to store critical documents as well as provide a running tally of the client’s net worth on a daily basis.

According to Spalding, many of the programs and websites available can get the job done, but he likes Wealth Check because it pulls together all assets, including real estate, bank accounts, investment vehicles, credit cards, frequent flyer points and other financial-related records. “The key to selecting any form of account aggregation is to select a program that best fits your individual needs,” says Spalding. Wealth Check, like some other programs, allows important non-financial documents to be included in the aggregation report as well. “By simply scanning documents like wills, healthcare directives, insurance policies and deeds, you can create a one-stop place for all your important documents to make it easy for your loved ones when they need to access them.”

“I like to tell my clients that using account aggregation software is like writing a love letter to the most important people in their lives. Think about how important it could be to have all of your important financial information in one place,” says Spalding. “As a society, we are more mobile than ever. Online account aggregation programs make critical information accessible from anywhere in the world.”

Spalding believes five tips will assist anyone in getting their financial house in order.

RESEARCH, RESEARCH, RESEARCH

As with any consumer good, Spalding recommends that those looking for account aggregation research the company that provides the service. “While cost is a factor for many people, the least expensive option in account aggregation software is not always the best,” says Spalding. “You want to critically look at the company and examine what measures it takes to ensure the safety and security of your personal financial information. You may want to pay special attention to whether or not the company sells its information to other companies for marketing purposes.” Spalding warns that if a company sells its client’s information to other companies, the client could be subject to a plethora of unwanted product advertising and their personal information could be compromised. “You also want to ensure that you are using a program that offers high-level security access that is re-encrypted each time you utilize the software.”

EVALUATE ONLINE SOFTWARE

Because there are several kinds of account aggregation software available, both online and offline, Spalding suggests that those considering using these programs must decide between online and offline options. “Both online and offline software has its advantages,” says Spalding. “My preference is for an online system because those programs often have the capability to pull your financial information from several different places to provide a holistic snapshot of your financial house. This account ‘scraping’ is one of the main reasons that I prefer online software like Wealth Check” An additional added benefit of online software is that it is often backed up on a server to ensure that if a consumer’s computer crashes, that the information one has come to rely on will still be available. Online software also allows access to the information 24/7 from anywhere in the world, as long as you have an Internet connection.

AND OFFLINE SOFTWARE

Traditional software can have its advantages as well according to Spalding. One of the major advantages is that personal information is not “out there” in cyberspace; this alleviates the potential for hackers to be able to access the sensitive personal financial information. “The downside is that because the information is not kept on a server other than your own, if your computer crashes, the information may be gone for good,” says Spalding. “An easy fix for that solution is to purchase a portable hard drive or a flash disk to keep the information separate from your computer’s main hard drive.”

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U.S. President Barack Obama stressed on Saturday the “great promise” for business growth in the Americas, seeking to play up the economic heft of the region he has paid little attention to in his first three years in office.

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Few Consumers Will Deduct Out-of-Pocket Health Care Costs: GoHealthInsurance
CHICAGO, IL, Feb 29, 2012 (MARKETWIRE via COMTEX) — To prepare for the tax season, GoHealthInsurance.com experts have surveyed consumers to test their knowledge about health care tax deductions. GoHealth survey results found that 81 percent of …
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Officials: Women's healthcare is at 'tipping point' in Winnebago County
Health officials are concerned that access to women's healthcare in Winnebago County is at a “tipping point” following a series of state funding cuts that affect local providers. “We need to take a serious look at, at what point are we going to not be …
Read more on The Oshkosh Northwestern

Obama Health-Care Hikes Hit Military, Spare Unions; Vets Vow to Fight
"President Obama believes health care should be free for his union cronies and entitlement-centered political base, but not for those exceptional men and women who serve or have served to keep us free," West complained. Rep. Tom Rooney, a member of the …
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Washington, DC (PRWEB) February 22, 2012

Mail-service pharmacies will save Pennsylvania consumers, employers, unions, the state government, and other commercially-insured payers $ 2 billion in prescription drug costs over the next ten years, according to new research released by the Pharmaceutical Care Management Association (PCMA).

New legislation (PA HB 511/SB 201) would grant special protections for drugstores by prohibiting consumers from getting discounted prescriptions through mail-service pharmacies. If Pennsylvania were to enact this anti-mail-service-pharmacy legislation, prescription drug costs for fully-insured in-state health plan sponsors and their enrollees could increase by more than $ 570 million over the next ten years.

In this economy, consumers and payers need every cost saving tool they can get and mail-service pharmacy is at the top of the list, said PCMA President and CEO Mark Merritt. This bill is a prescription drug tax that will raise health care costs for small businesses, unions, government agencies, and consumers.

Click here to read the new research.

Major findings on mail-service savings from the new research include:

Compared to brick-and-mortar drugstores, mail-service pharmacies offer deeper discounts and reduced copays.

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Washington, DC (PRWEB) February 22, 2012

Mail-service pharmacies will save Pennsylvania consumers, employers, unions, the state government, and other commercially-insured payers $ 2 billion in prescription drug costs over the next ten years, according to new research released by the Pharmaceutical Care Management Association (PCMA).

New legislation (PA HB 511/SB 201) would grant special protections for drugstores by prohibiting consumers from getting discounted prescriptions through mail-service pharmacies. If Pennsylvania were to enact this anti-mail-service-pharmacy legislation, prescription drug costs for fully-insured in-state health plan sponsors and their enrollees could increase by more than $ 570 million over the next ten years.

In this economy, consumers and payers need every cost saving tool they can get and mail-service pharmacy is at the top of the list, said PCMA President and CEO Mark Merritt. This bill is a prescription drug tax that will raise health care costs for small businesses, unions, government agencies, and consumers.

Click here to read the new research.

Major findings on mail-service savings from the new research include:

Compared to brick-and-mortar drugstores, mail-service pharmacies offer deeper discounts and reduced copays.

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One in six Americans bought medicines on the Internet last year – but some online pharmacies are selling counterfeit drugs. Worldwide sales of counterfeit medicines topped $ 75 billion last year, up 90 percent since 2005, according to the World Health Organization.

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Health Care Reform: Supplementary Materials, 2011 Edition - Furrow (West) PB

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Health Care Reform And American Politics
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A Return to Healing: Radical Health Care Reform and the Future of Medicine by Le
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