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Under the laws of most states, when you receive a personal injury settlement, you must use part of that settlement to pay back whomever paid for the medical …

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Denville, NJ (PRWEB) June 07, 2013

Medical billing is a challenge for small physiotherapy practices, or on any small medical practices for that matter. So it should come as no surprise that practitioners consider outsourcing their medical billing to off-site, hiring medical billing companies.

There are advantages as well as disadvantages to outsourcing in general, most especially in medical billing. Licensed physical therapist and marketing expert, Nitin Chhoda, shares the five key disadvantages to consider when contemplating on outsourcing the practices medical billing.


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The biggest buzzword of this decade in the employee health benefits market is “Private Health Insurance Exchange.” Numerous entities ranging from start-ups to new divisions of leading insurance companies have been created to offer new Private Health Exchanges. So, what is a private health insurance exchange? Webster defines an exchange as a place where things or services are exchanged, such as a store or shop specializing in merchandise usually of a particular type. Employers and health insurance brokers should attend this webinar to learn what a private health exchange really is: a store or shop specializing in health insurance merchandise. During this 60 minute webinar, you will learn: What a private health exchange really is The difference between a public and private health exchange What insurance options are available in private health exchanges How insurers and brokers can offer private health insurance exchanges The role private health exchanges will play in 2013, 2014 and beyond
Video Rating: 5 / 5

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A new book called, Saving Private Healthcare was released by author Michael Kalthoff on August 22, 2012 on and At 263 pages, Saving Private Healthcare is a pure, free-market, commonsense and complete re-design of all sectors of our healthcare system including Medicare and Medicaid with a sweeping new approach called, “The Saving Private Healthcare Initiative.” The Initiative is both an encompassing plan combined with a movement of private citizens and healthcare experts who will bring down healthcare costs by two-thirds or trillion per year by 2022. More comprehensive and more free-market than Congressman Paul Ryan’s Path to Prosperity, The Initiative solution begins with The 7 Freedoms of Healthcare, followed by The 10 Major Reforms of healthcare, concluding with the outlines of 7 federal bills The Initiative will take to Capitol Hill for passage. State recommendations are added as well. Reforms include moving health insurance from employer-selected to consumer-purchased through Medical Escrow Accounts, reforming Medicare into Medicare-Private with a replacement benefit support program that deposits a monthly amount into everyone’s Medical Escrow Account so they can stay on their private insurance before, during and after turning 65. Consumers will be able to price compare and select their doctors and hospitals on an Internet computer system similar to Orbitz or Expedia, fully pay for medical care with healthcare credit

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(PRWEB) August 17, 2012

Zane Benefits, which provides businesses with flexible and comprehensive alternatives to employer-based health benefits, today announced a free webinar titled “Understanding Private Heath Exchanges”.

Numerous entities ranging from start-ups to new divisions of leading insurance companies have been created to offer new Private Health Exchanges. The term “private health insurance exchange” has become one of the biggest health related buzzwords of this decade.

So, what is a private health insurance exchange? Webster defines an exchange as a place where things or services are exchanged, such as a store or shop specializing in merchandise usually of a particular type.

Employers and health insurance brokers should attend this webinar to learn what a private health exchange really is: a store or shop specializing in health insurance merchandise.

During this 60 minute webinar, attendees will learn:

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(Reuters) – A private equity consortium is aiming to scoop-up lab-testing company, Laboratory Corporation of America Holdings in a huge leveraged buyout and take it private, Mergermarket reported, quoting sources familiar with the situation.

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Visit: To Learn MORE…. This is the VOA Special English Education Report, from | Today we talk more about the costs of higher education in the United States. If you missed last week’s report, you can find it on YouTube or at Foreign students who need financial aid generally have to seek it from the school itself or their own government or employer. If you follow the news, then you know that President Obama recently signed health care reform legislation. But one of the two bills he signed into law also made unrelated changes in the federal student loan program. These changes will require new loans to come directly from the Department of Education. The department already makes these federally guaranteed loans for American citizens and permanent legal residents. But since the early nineteen nineties it has also paid private lenders to provide them. Now, as of July first, all new loans will go though the direct loan program only. Officials say the new law will save the government sixty-one billion dollars over ten years. The plan is to use more than half the savings to provide more federal Pell Grants to needy students. A few billion will also go to schools that traditionally serve minorities and to help two-year community colleges. The new law will reduce the most that borrowers must repay each year from fifteen percent of their income to ten percent. And the longest repayment period will be shortened from twenty-five years. Any

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Question by Les S: Why do Republicans oppose state regulated private insurance exchanges?
The Obama administration on Monday released broad new operating rules for state-run health insurance exchanges, which form a key part of the 2010 federal healthcare reform law that will face landmark Supreme Court hearings in just two weeks.

Industry and consumer groups welcomed the regulations, saying they provided states with the flexibility necessary to meet consumer needs for choice and quality protections. They also said the regulations shift policy focus to the state level, where the new rules must be implemented.

Both the insurance industry and consumer watchdog groups approve of the state run exchanges, which will help reduce costs and provide insurance to millions.

Why do Republicans oppose this?
– The federal government plays a negligible role
– private insurance companies still provide the insurance
– the states have control over the exchanges
– The exchanges open markets for private companies to provide insurance across state lines
– and costs are being reduced.

All of these things republicans supported in the past. Why do they oppose it now?

Best answer:

Answer by Dawn of the Zombie g
Obama did it…

Add your own answer in the comments!

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Birmingham, Alabama (PRWEB) April 02, 2012

Health Partners America, LLC, (HPA) today announced the launch of a health insurance training and technology services system that provides health insurance agents with training and tools to allow them to participate in one of the fastest growing trends in health insurance defined contribution health plans.

According to Josh Hilgers, president of HPA, a defined contribution health plan is an alternative to traditional group health plans for those who can no longer afford or qualify for them and they are growing rapidly in popularity. Rather than paying a portion or all of a premium under a defined contribution health plan, an employer can offer no contribution at all or set aside a fixed dollar amount each month for employees to use to pay for individual health insurance or other medical costs such as doctor visits and prescription drugs.

Hilgers said that this approach allows even the smallest of businesses to offer their employees quality health-related benefits, but it requires that insurance brokers and agents follow defined rules and guidelines to maximize the benefits to the employer and the employees.

We offer agents a package of training, technology, and tools that equip them with the expertise and support needed to successfully market and implement a carrier-agnostic defined contribution health insurance program for small businesses, said Hilgers. Our sales system includes the training, marketing templates, customizable online shopping platform (Private Exchange) and access to a state of the art lead management system.

Hilgers said that employees participating in a defined contribution program through their employer are directed to the agents private exchange website where they can compare and select a plan from among a variety of individual health plans being offered by health insurers in their area. He said that the private exchange is a tool that provides employees with more choice and makes it possible for agents to more efficiently provide services to large numbers of individuals and their families rather than employer groups.

Agents who wish to grow this segment of their business at an even faster rate can take advantage of additional tools being made available through HPA such as a professionally staffed call center licensed in all 50 states, Hilgers said. The call center delivers industry leading support and consultation to help agents maintain client satisfaction and keep up with changing customer needs making it possible to uncover potential cross-sell opportunities.

Forward thinking insurance carriers and insurance industry stakeholders have already begun promoting the HPA solution to their agents nationally. Early adopters to this model are already finding it to be the perfect solution for employers who had given up on offering their employees any type of benefits.

More information about defined contribution plans and HPAs training and services can be found at

About Health Partners America

Based in Birmingham, AL, HPA is a subsidiary of Southland Benefit Solutions, LLC, (Southland) based in Tuscaloosa, AL; an employee benefits administrator that began offering benefit solutions in 1983. It administers self-insured benefit programs for the Alabama Public Education Employees Health Insurance Plan and processes tens of thousands of claims per month with an accuracy rate of better than 99%. Formerly known as Innovative Benefits Consulting, HPA has pioneered the Defined Contribution Health Plan market place and turned their expertise into a training system to benefit all insurance producers.

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Sacramento, California (PRWEB) March 20, 2012

Physical therapist activists turned out in large numbers today to discuss evidence-based health care policy with dozens of legislators, particularly Senate Bill 924 (SB 924), which would allow patients to directly access physical therapists. The centerpiece of their message is that direct access to physical therapists is not only safe and smart, but extremely cost-effective and empowers patients to make better health care choices. Several recent landmark studies published in top medical journals all concur that early and direct access to physical therapists saves time, saves money, and helps avoid more costly medical services (1) (2) (3).

Doctor David Straight, Chair of the California Physical Therapist Private Practice Group (CA PPG) states, “Physical therapists are in an excellent position to be an entry-point health care provider for patients with musculoskeletal (MSK) complaints.” Straight points to the fact that a large percentage of physician office visits are related to joint and muscle pain or stiffness, but most physicians do not have adequate training to manage these problems in a cost-effective manner. “Several studies show that about 80% of physicians fail the well-accepted physicians’ MSK screening exam and that medical training is inadequate in this area,” according to Straight (4). CA PPG is not surprised about the findings in these studies since many medical schools only offer a handful of hours in MSK education. In contrast, physical therapists receive 3 years of doctoral-level training focused specifically on MSK assessment, differential diagnosis, and treatment. Research has shown that, unlike physicians, a large majority of physical therapists pass the physicians’ MSK exam (5).

Despite a mountain of evidence supporting the safety and efficacy of physical therapist direct access, California physical therapists and patients still have formidable opponents and obstacles standing in their way. The Medical Board of California (MBC) and California Medical Association (CMA) oppose SB 924 because they claim patients will be at risk because physical therapists do not diagnose patients’ problems. Rick Katz, Payment Policy Chair for CPTA counters, “Once again, the MBC and CMA statements are clearly not based on facts because federal Medicare guidelines require that physical therapists render a diagnosis within their scope of practice before treating patients as a condition for payment (6). In addition, according to the Federation of State Boards and HPSO, the number one malpractice insurer, there have been no safety or malpractice concerns in any state as a result of physical therapist direct access.” (7) (8) Katz also reminds CMA that SB 924 is a bipartisan “compromise bill”, which was brokered in good faith between CMA and CPTA by authors Senate Pro Tem Darrell Steinberg, Senator Curren Price, and Senator Mimi Walters.

The California Chiropractic Association (CCA) has also formally opposed SB 924 claiming that physical therapists do not understand the body adequately to treat patients in a direct access environment. In a media statement released last month by CA PPG, Doctor Straight called the CCA position “laughable, yet sad at the same time” (9). He also reminded patients and legislators to “consider the source” as well as the self-serving nature of the opposition. Doctor Straight suggested, “The CCA opposition is more related to the fear of competition from physical therapists, who treat patients in an evidence-based, cost-effective manner.”

In addition to the opposition from the MBC, CMA, and CCA, there has been a history of strong opposition to direct access by Assemblymember Mary Hayashi, the Chair of the Assembly Business and Professions Committee. In 2009, Hayashi was the only ‘no’ vote in the committee’s hearing on AB 721- Physical Therapist Direct Access, authored by Assemblymember Pedro Nava. The bill was defeated with 3 ‘aye’ votes, 1 ‘no’ vote, and 5 ‘abstains’. More surprisingly, Hayashi, refused to grant Nava reconsideration for the bill, which is considered standard professional courtesy. Ironically, Hayashi then authored AB 374- Licensing for Athletic Trainers in 2011, which would have allowed athletic trainers unrestricted direct access to treat patients with injuries and illnesses. AB 374 passed through Hayashi’s committee unanimously even though, according to the CA PPG, athletic trainers earn bachelors degrees and are only educated to treat athletes– not patients. According to Doctor Straight, “The hypocrisy of opposing SB 924 and advocating for AB 374 is striking.”

SB 924 was amended in January of 2012 to include language from AB 783, a physician referral for profit bill, which Hayashi authored in 2011. AB 783 was defeated twice last year, effectively killing it, but the “compromise language” within SB 924 would allow an inherent conflict of interest by allowing physicians to receive passive income from referring patients to physical therapy clinics they own. CPTA and CA PPG maintain their longstanding opposition against conflicts of interest in health care. However, according to CPTA President Dr. James Syms, “CPTA is supportive of SB 924 because it is the first attempt to balance the marketplace for physical therapists and allows patients the opportunity to make better MSK treatment choices.”

CA PPG remains concerned that facts and evidence have not yet won the day when it comes to physical therapy-related legislation and that CMA and CCA have not responded with any evidence to support their positions on direct access or referral for profit. Doctor Straight ironically notes that Assemblymember Mary Hayashi was the CMA Legislator of the Year in 2010 and CCA Legislator of the Year in 2011. He strongly suggests, “It is time to focus on 21st century health care policy.” He adds, “CA PPG is confident that the Assembly Business and Profession Committee and all assembly members will see past self-serving politics and unanimously pass SB 924, like the Senate did 36-0. It’s time to get patients to a physical therapist fast and first.”

Having passed the Senate, the next stop for SB 924 is the Assembly Business and Professions Committee, which Hayashi still chairs. Assemblymembers Michael Allen, Bill Berryhill, Betsy Butler, Mike Eng, Curt Hagman, Jerry Hill, Fiona Ma, and Cameron Smyth also serve on the committee. The bill is expected to be heard in June.

Source: California Private Practice Group

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