The condition Benefits of Kale

Health - The condition Benefits of Kale

Good evening. Now, I learned about Health - The condition Benefits of Kale. Which may be very helpful for me therefore you. The condition Benefits of Kale

When you mention kale, the majority will look up with raised eyebrows and mumble "What"? "What's that"? An old, hardly spoken of and suited green food. Kale is a leafy green vegetable with a mild earthy flavor. The season for kale is in the middle of mid winter and early spring where it can be found in fullness in most furnish sections of the local grocery store. However, one can find kale year round. Thankfully, kale is starting to garner well deserved attention due its nutrient rich phytochemical article which provides unparalleled health promoting benefits.

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Health

Kale certainly rich and abundant in calcium, lutein, iron, and Vitamins A, C, and K. Kale has seven times the beta-carotene of broccoli and ten times more lutein. Kale is rich in Vitamin C not to mention the much needed fiber so lacking in the daily diet of processed food eating Americans. The "Icing on the Kale" are the natural occurring all prominent phytochemicals sulforaphane and indoles which investigate suggests may protect against cancer. Let's not forget the all prominent antioxidant Vitamin E. Rest assured kale spares nothing in providing one with much needed nutrients and related health benefits.

The plainly rich sulfur article of kale deserves a bit more discussion. Science has discovered that sulforaphane, helps boost the body's detoxification enzymes, maybe by altering gene expression. This is turn is purported to help clear carcinogenic substances in a timely manner. Sulforaphane is formed when cruciferous vegetables like kale are chopped or chewed. This somehow triggers the liver to furnish enzymes that detoxify cancer causing chemicals, of which we all are exposed on daily basis. A recently new study in the Journal of food (2004) demonstrates that sulforaphane helps stop breast cancer cell proliferation.

Kale descends from the wild cabbage which originated in Asia and is idea to have been brought to Europe by the Celtics. Kale was an prominent food item in early European history and a crop staple in ancient Rome. Kale was brought to the Usa during the 17th century by English settlers.

A leafy green vegetable starting to gain overall attention, kale belongs to the Brassica family, a group that also includes cabbage, collard greens and Brussels sprouts. Choose kale with small leaves as they will be tenderer and offer a sweeter taste. Make kale leaves a quarterly increasing to your salads. A sautéed side dish of kale, onions, and garlic drizzled in olive oil is second to none. Enjoy your kale. You'll be glad did.

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What to Do if You Don't Have condition insurance - You Might Not Beat the Odds

Affordable Health Insurance - What to Do if You Don't Have condition insurance - You Might Not Beat the Odds

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Have you been working hard and paying your bills on time your whole life? salvage your money and trying to get ahead, seeing send to retiring some day? You read in the paper and hear on the news about so many people that are uninsured. Uninsured, and don't have health insurance because they can't afford it. Are you one of the uninsured people like I am? Are you worried about having a health care emergency and not knowing how you would pay your curative bills? You know you in fact can't switch jobs. You feel you're getting too old or under skilled to be hired by whatever else. You might even be self-employed too. You know you can't or don't want to learn a new skill to get a new job at a bigger business that has group health insurance. Your gift boss in fact can't afford health insurance for his employees and you don't see that changing where you work.

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Affordable Health Insurance

You have gotten by this long without health insurance and you know that you should do something about it. But health insurance is costly and getting health insurance is a good idea and something you have all the time been planning to do. But, we just keep putting it off, until it is too late. So what is a man with a family, or a particular person do if you barely can find the money to pay for the necessities, like the rent, or a mortgage, the higher price of gas and food, much less costly health insurance?

Do you think you can beat the odds? For men it is one in three, for women one in five that you will have a major health care emergency hospitalization and incur curative bills for surgery, hospital stay, patient curative care, therapy and prescription drugs. Do you worry and lay awake at night, wondering how you would pay for emergency care, if you needed it?

Ever wonder what you will do if the worst happens and you had to go to the hospital without health insurance? In a word. Bankruptcy. The resignation you worked your whole life for and dreamed about... The resignation you all the time envisioned is gone...taken away from you in an instant. And by a calamity you have tried to avoid. A calamity that broad sided you, and you had no warning and you never knew what hit you.

Imagine this scenario. You are 55, been in great shape your whole life, you work hard and live right, don't smoke, eat salutary foods, watch your weight and have been taking care of yourself the best way you know how. But lately you have been getting a miniature short of breath. You shake your head and say "it's just getting old" and keep right on working on the house, the car, the lawn, the crops or a new task you just have to get done. While working, all of a sudden you feel in fact short of breath. You stop, sit down and can't breathe. You look down and your arm is feeling funny and tingly. All of a sudden you feel a shooting pain running up your arm into your shoulder, "ah...just overdoing it again" you say to yourself. I'll just rest a spell and it will go away. But this time the pain does not go away like other times. You feel the numbness and worse, a stabbing pain goes into your shoulder. Quickly the pain intensifies and travels deeper and is shooting across your chest, a crushing pain and now you are in fact scared. "Wonder if this is a heart attack?" You know you waited too long and it's too late...This time it's for real. You are in the middle of a heart attack.

You are desperate and in stabbing pain. You know calling 911 might save you...if you can get to a phone. You call for your wife and she is inside the house and does not hear you. You try to get up and feel faint and you have no compel and your legs just can't move. You holler louder, it hurts so bad and she hears you this time. She rushes to your side and you are so short of breath you can't talk, the pain is too great. You point to your chest and she can see by the look on your face you are suffering and in great pain and something is terribly wrong. She runs to call 911, frantic about you and tells the ambulance to come right away and she thinks you are having a heart attack. She runs back to your side and you both are terribly scared and all you can do is wait.

The bad news has just begun...When the ambulance arrives, you find out the very worst has happened. You in fact are having a heart attack...they rush you away to the hospital, taking your vitals and giving you the drugs to save your life. costly surgical operation follows with angioplasty to open up your blocked arteries in your heart, and you get a stint to keep the worst blocked artery open. The doctors say that you should make a good salvage with adequate care, rest and therapy. You will have to take heart medications and high blood pressure drugs the rest of your life. Already the worry has started, and you think to yourself. "how am I going to pay for this"? The deep financial worry never leaves you. You have heard stories of financial disasters happening to good people with no insurance, Tragic consequences happening to people getting hit with huge curative bills for surgeries in the tens of thousands of dollars. You lost...you did not beat the odds.

Now what can you do? Your resignation dream is gone, now you will have to work the rest of your life to pay your curative bills off. The story, I shared is real, this curative tragedy happened to my brother, a farmer, a hard worker, a self-employed bulldozer operator in the prime of his life. No health insurance and he now faces a ,000 curative bill he can't pay. Not unless he wants to sell the gorgeous log cabin home he built with his own hands and the farm he worked his whole life for. He is worried sick and tied to heart drugs for the rest of his life. Heart drugs and a stint that make him feel even more sick. He has decided to sell part of his land to pay the hospital and clinic bills. He hates to do this, but has no choice.

He tried to pay the hospital and clinic with agreed upon payments of a ,000 a month each, paying every penny he could, but that was not fast adequate or good enough. The hospital and the clinic still turned his list over to the collection agencies even though he was paying over ,000.00 a month. He is an honest man who worked hard his whole life and did not deserve this. He can barely afford the heart drugs and makes just adequate money so he does not qualify for state-assisted health care or prescription drug benefits.

One more thing is important...That is not the only calamity. He is not eligible for any type of health insurance for his heart, even if he could afford to pay 0.00 a month for health insurance coverage, plus his monthly curative bill cost to the collection agency. Why? Because now, he is uninsurable. In order to be covered under health insurance for his heart, he would have to not have any hospital care or medicine associated to his pre-existing health for seven years to capability for having that heart health covered under any health insurance policy. For my brother, he will have to work harder than ever to pay this debt off, just when he should be taking it easier and not working so hard to prevent yet another heart attack. There will be no resignation for him, he is 59 and that is a terribly hard price to pay.

What does this mean for you? Don't wait, don't let a major health qoute ruin your chances of retirement. health care coverage can be purchased and can be budgeted for. If my brother knew what was going to happen, he would have budgeted the money for a health insurance policy. He could have spared a integrate thousand a year for an cheap health care course with a high deductible. This would have cut the curative bills he received by a important amount, and he still would have health insurance to cover him in the future. When you're lying in bed at night, think of the people you know that have had their lives turned up side down by a health calamity, lost their jobs, their homes, all their savings and their cherished retirement. This is too big a price to pay. Take care of yourself, and your family. Safe your resignation dream. Getting an online insurance quote, is easy, and safe and can help you take a step in the right direction. Help take off most of the worry, about "what if a curative emergency occurred to you or a loved one". Would you be covered? Let's hope the answer is "Yes."

When I got laid off from a great job due to a large corporate business downsizing, at the age of 50, I lost my group health insurance. I went on the Internet and found the online insurance quote websites a real help. The easy to fill in forms "just fill in your zip code" got me started with my online quote. The websites were easy to use, and I enjoyed getting free insurance quotes. The websites associated me with top insurance agents who helped me shape out how to assess the quotes. The agents were friendly, easy to talk to, and I got a course to Safe me at a cost I could afford. Please click on the link above and get some health insurance that will Safe you and your loved ones. Just knowing something in fact can happen and taking the right steps to Safe yourself can help take off some of the worry. Don't try to beat the odds, you may not win. Don't let a small financial burden become an impossible one. Do it for yourself, do it now before it is too late.

I hope you receive new knowledge about Affordable Health Insurance. Where you possibly can put to use within your daily life. And most significantly, your reaction is passed about Affordable Health Insurance.

condition insurance - High Deductible Vs High Monthly excellent

Aetna Health Insurance Quotes - condition insurance - High Deductible Vs High Monthly excellent

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What is the one decision that influences most peoples' choices when enrolling in a plan for condition insurance:

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Aetna Health Insurance Quotes

High deductible versus high monthly premium.

Annual out-of-pocket deductible cost limits typically vary with inverse proportion to your monthly selected payments. So the higher your deductible limit, the lower your monthly premiums will be. The lower your deductible limit is, the higher your monthly premiums will be.

So when does it make sense for you to have, under an guarnatee plan, high deductible limits?

Typically, if you and / or your dependents are ordinarily wholesome and rarely ever need to go to the doctor, it would be more cost-effective in the long-run to opt for the plan that has the higher deductible. Your monthly premiums will be much lower. And whenever, if ever you do need to go to the doctor, you will have to pay for your doctor visits and your prescriptions out of your own pocket (unless you have a set copay amount.)

On the other hand, if you and / or your dependents have a frequent need to visit the doctor, are on persisting medication, or if you have a need for maternity coverage, then it might make more sense to opt for plans with a higher selected and lower deductible.

Yes, you will be paying a higher condition guarnatee bill every month. But you will have to pay less money in out-of-pocket costs. In other words, your medical expenses will be more fixed every month. This makes budgeting your curative expenses much easier. If you have less of a need for condition insurance, high deductible plans make more sense, since your curative expenses would be changeable and less frequent.

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Blue Cross Blue Shield assurance - Great customer assistance for everyone

Blue Cross Health Insurance Quotes - Blue Cross Blue Shield assurance - Great customer assistance for everyone

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Life is not all the time plane sailing. When accidents and illnesses happen, the last thing you want is to be caught without condition insurance. Fortunately, with Blue Cross Blue Shield insurance, you can achieve excellent coverage to help make costly hospital stays more affordable. After the heat of the tragedy has passed, you may still need to make visits to the physician or take medications for an extended period of time. Without permissible condition insurance coverage, these expenses can be debilitating. Do not let yourself be caught without coverage when the time comes that you need it most.

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Blue Cross Health Insurance Quotes

In the past few years, Blue Cross Blue Shield insurance has earned high buyer satisfaction reviews. In fact, in 2009, the company earned the "World Class in buyer Satisfaction" award in the healthcare industry. The winner of this award was determined by surveying population with condition insurance from a estimate of distinct companies. The results of the surveys led to the closing that Blue Cross Blue Shield insurance satisfies their customers consistently better than any other condition insurance provider. The company continues to heighten after each passing year in terms of providing their customers with the services they need.

Blue Cross Blue Shield insurance is available in all 50 states. The company helps medical insurance customers receive permissible coverage for less. During this time of economic hardship, Blue Cross Blue Shield has become one of the most popular insurance clubs in the U.S. Because of its capability to contribute affordable coverage that meets the definite needs of each client. If you are considering switching medical insurance providers or getting condition insurance for the first time, one of the first things you may consider is either the physician you prefer to visit is on the insurance company's network. This is a deciding factor for many people.

Do you have a condition that requires you to make frequent hospital trips? Your child may want a distinct level of medical attention on a quarterly basis. Keep in mind that not all hospitals accept condition insurance from every company. If you become ill or get in an emergency on the weekend or holiday, you may need to visit the hospital instead of your quarterly doctor. Also, if you are out of state and something happens, how much will it cost to seek the care you need? Blue Cross Blue Shield insurance is approved at most hospitals, a comforting conception in situations where unusual circumstances arise.

If you need assistance in locating single coverages at a pre-determined price, we can help save 50% on condition insurance.

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Are You finding For Blue Cross Blue Shield health Insurance?

Blue Cross Health Insurance Quotes - Are You finding For Blue Cross Blue Shield health Insurance?

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What You can do if You Have No health Insurance? private health insurance coverage may be more expensive, but it is great than having no insurance at all. Your good health and the health of your house is never guaranteed. Life can deliver unpleasant surprises and all it takes is one trip to the hospital to wipe you and your house out financially. We have all heard bad dream stories of catastrophic illness that required long hospital stays that resulted in a someone or house declaring bankruptcy, losing their home and all they have worked for.

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Blue Cross Health Insurance Quotes

Do You Know What to Look For in a Good insurance Policy? We are all concerned about rising medical costs. One of the good reasons to purchase your prominent health care from Blue Cross Blue Shield is they work with their procedure holders, meaning you and I, to help find ways to limit the rising cost of our health insurance premiums.

What is the Most prominent Cost I Need to Know About My health Care Policy? It is for real prominent to know what your maximum cost is for your out of pocket maximum. What this means, is this is the maximum out of pocket cost you can have with a claim. All the time ask your agent what the plans out of pocket maximum is. If the plan does not have an out of pocket maximum you may want to continue and look for someone else plan or a different provider.

How Blue Cross Blue Shield Helps You sell out Your insurance Premiums! Blue Cross insurance programs work hard to help us learn more about using our insurance coverage for routine healthcare as a way to prevent illness. This means is that Blue Cross Blue Shield insurance programs care about us and enhancing the health of your body. If you have ever felt ignored by an insurance provider, or you know of a friend or loved one that has had insurance problems you can for real appreciate the wisdom of Blue Cross Blue Shield in helping us stay healthy.

Can My Blue Cross Blue Shield private insurance be Cancelled Due to Claims? No. A federal Hipaa law prevents any insurance firm from raising your rates or canceling your procedure due to claims or a change in health. But that health insurance associates can raise rates due to other factors like your age. Your insurance rates are based on the normal procedure group age or for an entire class of policies. But no one can be singled out for an growth or cancellation plainly because they file claims.

Protect Yourself With Guaranteed Renewable Coverage When you talk to your insurance agent, be sure to verify that your new procedure is noncancellable, guaranteed renewable coverage - this means that you cannot be cancelled as long as you continue to pay the premiums and do not try to defraud the insurance company.

Want to Stop Worrying About seeing Your Own Insurance? That is why purchasing health care coverage from a top health insurance provider like Blue Cross Blue Shield is one of the safest ways to purchase your health insurance online. Because of the wide acceptance of Blue Cross Blue Shield insurance Plans their private and house health insurance plans are very regarded and are so available in most of the states in the U.S. Filling out an online quote form will associate you with kindly and knowledgeable agents who are ready to help you find the best fit for your health insurance.

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Blue Cross condition guarnatee - warrant Your condition

Blue Cross Health Insurance Quotes - Blue Cross condition guarnatee - warrant Your condition

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Health insurance is unquestionably an leading part of our daily life. No matter you pick an personel condition insurance or family insurance, you need to make a lot of making ready beforehand. A fit condition plan will make your life guaranteed. In order to make a good condition plan, you need to get as much data as possible. The condition insurance quote, your personal data and your own state's insurance policies are needful information. As a fullness of insurance websites offer free quotes, you can get your desired data just by a few clicks.

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Blue Cross Health Insurance Quotes

You can type the keywords "free insurance quote" in the quest engine, and then you will get a list of websites which supply the free service. Maybe you will be confused by a great collection of websites, so how to pick a guaranteed website? A good website always has a good ranking, so you can plainly pick the website with the best ranking. After you have chosen a website, you can pick your desired type of insurance. If you want to pick an affordable term life insurance, you can pick this class and then get the free quote; if you want to get the personel condition coverage, you can pick its class and then get the quote. Distinct categories computational methods, so you need to pick the spoton one according to your personal condition and financial position.

Besides the right type of insurance, you also need to key-in your state's zip code, insurance start date, birth date and family members before you get the quote. Moreover, many websites will also you whether you as well as your family members smoke or not. As we all know that smoking is bad for health, so smokers always need to pay a higher premium. And then you can click the button "Free Quote" or "Go" to get an instant quote. Of course, this quote is a very easy one. But it can also help you to get a rough funds before you apply for the condition coverage. If you want to get a more exact quote, you can register as a member of the website and key-in more personal information.

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What to Do If You Can't Afford condition insurance

Affordable Health Insurance - What to Do If You Can't Afford condition insurance

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Do You Lack health Insurance?

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Affordable Health Insurance

If you are an American, and you lack health insurance, you are not alone. In late 2009, it was estimated that practically 46 million population in the Us do not have a health plan. Modern high unemployment figures have not made this outline any lower.

Some of these population lost their group health plans when they lost their job. Others are self employed or work for a firm that does not offer group health. There are alternative secret health plans on the market, but many population just cannot afford them, or they cannot get standard by one. While politicians haggle over the issues, sick population are having issue getting treatment.

Are You Sick or Healthy?

If you are very healthy, or if you already have a health issue, you should seek coverage. It will be, of course, a lot easier to find affordable secret health insurance if you are healthy. This way you can be ready in case you do get sick or get hurt in an accident. Even a straightforward trip to an emergency room for a broken bone can cost thousands of dollars.

If you have already are hurt or ill, it will be tough to get it covered by secret plans now. But even population who are already sick should be able to find some help. I hope to present some options for you.

Cobra

Under federal law, some clubs must enlarge their group medical plan to concluded employees. This can be a good selection for those who are in the middle of jobs. The only issue with it is the cost. Instead of just paying your laborer contribution, now you will probably also have to pay the whole premium amount. Many ex-employees are very surprised when they learn how much this is.

Individual health insurance

If you lack major medical, and you are fairly healthy, you may find that a secret medical plan is pretty affordable. It is precisely a misconception that group benefits are always economy than personel plans. Because insurers can underwrite each applicant, they may precisely be able to offer lower rates for healthier people.

If you have an selection to enlarge your group benefits (i.e. Cobra) or buy secret coverage, just make sure the new plan will accept you, and that it will cover services you need. It is tough, for instance, to get personel plans that cover normal maternity. But if you are accepted, which most population in reasonably good health should be, and the plan satisfies your needs, you may be vary happy with carrying your own health plan.

State Risk Pools

Every Us state has some sort of health plan for population who have a pre-existing health question that gets them declined for other coverage. In some states, these plans can be very expensive though. This is a good selection if you do have income or savings, but just do not have health insurance.

Paying For Prescriptions

If you cannot afford your prescribe medicine, consult the Partnership for prescribe aid (Pparx). Their website is Pparx.org. This assosication offers a point of way to hundreds of secret and collective aid programs. Their website says they have helped millions of Americans get help, and they may be able to help you.

Low Cost health Clinics

You can find some lower cost health clinics. Many offer health services on a sliding scale. The Pparx website we mentioned about also has a handy crusade feature. You can enter your zip code and see if you can find a nearby locations. I entered my own zip code for a test, and I was surprised to see that there were several of these clinics within a short drive of my house. I had not been aware that there were any before.

Financial Aid For health Problems

If you have a serious illness, you may be able to get withhold from a financial aid program. These are regularly non-profits, and sometimes they are called co-pay programs. Again, Pparx has facts on many of these organizations.

County health Systems

Try searching for a county or collective health theory in your own area. They should supply reduced fee services for patients. You will probably be locked into using their hospitals, doctors, etc., but you should have way to care.

Public health insurance Programs

If you have a very low income, and few assets, you may qualify for Medicaid. This is the federal and state agenda to insure the poor. Moderate income families should look at the Childrens health insurance (Chips) plan for their state. income guidelines to cover kids are higher than those for adults, and these plans may also cover pregnant women.

What To Do If You Have No health insurance

I would tell anybody to outline out how they can derive health insurance as quickly as possible. For instance, you should try to apply for a secret policy when you are healthy! You are probably not going to find coverage from a secret firm after you are already sick or hurt. If you do find a plan that accepts you, it will probably be much more expensive That is how insurance works.

It is always best to plan ahead. Of course, this is not always possible.. If you have a current health issue, and no health plan, you should look at some of the alternatives we listed.

I hope you get new knowledge about Affordable Health Insurance. Where you may put to used in your evryday life. And just remember, your reaction is passed about Affordable Health Insurance.

health assurance Quotes Without Giving Your Phone whole

Affordable Health Insurance - health assurance Quotes Without Giving Your Phone whole

Hello everybody. Yesterday, I learned about Affordable Health Insurance - health assurance Quotes Without Giving Your Phone whole. Which is very helpful in my experience therefore you. health assurance Quotes Without Giving Your Phone whole

Getting health guarnatee quotes without giving your phone whole is easy and something you should do right now. Whenever you are online do you stop when asked for your phone whole and best time to call? I do...I can't stand to be interrupted at home...especially by a salesperson.

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Affordable Health Insurance

Asking for your phone whole is an intrusion most people avoid. The bad news is they are unaware of shop conditions in personal health insurance. health guarnatee is an expensive, principal evil but it should be something you should never overpay for. Asking for a phone whole is a turnoff. But there is good news...

You can get up to a hundred health guarnatee quotes without giving your phone number. You are asked for the following and the following only, for each someone you are trying to insure:

· Zip code
· Gender
· Date of Birth
· Smoker or not
· pupil or not

That is it...no phone number...no medical questions.

My wife and I have used this free, no obligation service for 8 years. I hate to spend a penny on guarnatee of any kind. But I have the guarnatee that I am paying the very least whole for my policy.

I filled this out just the other day...it took less than a minute...I received 112 different policy quotes to pick from...the quotes had the monthly premium, business name, deductibles, co pays, and a real plus...I could find out if my current doctor suitable this policy.

You should know what kind of policy you are finding for. Since we are healthy, exercise and eat right, we look for high deductible catastrophic coverage. These have the very lowest premiums.

But the prices vary greatly...I identified a savings of 4 per year over what I am paying now. So you should use this free service every some months. It is easy fast...and no one will call.

Once you narrow down the policy that meets your needs you then fill out one application and one application only. Isn't this great and far faster than talking to some dozen salesmen or saleswomen. That is what you would have to do to get the same whole of information with every other service on the web.

Wouldn't you rather get health guarnatee quotes without giving your phone number?

Here's how...

I hope you receive new knowledge about Affordable Health Insurance. Where you can offer use within your daily life. And above all, your reaction is passed about Affordable Health Insurance.

7 Steps To Apply For Federal Permanent Disability

Blue Cross Health Insurance Plans - 7 Steps To Apply For Federal Permanent Disability

Hi friends. Today, I found out about Blue Cross Health Insurance Plans - 7 Steps To Apply For Federal Permanent Disability. Which may be very helpful in my opinion and you. 7 Steps To Apply For Federal Permanent Disability

Do you know how to apply for permanent disability? Do you know how long it will take to faultless your goal? Do you know you can not work at all when applying for permanent disability? If you answered yes or no do any of these questions, read on.

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Blue Cross Health Insurance Plans

Step One:

Call public protection and tell them you want to start the paperwork for you being permanent disability.

Or

Make an appointment at your local public protection office.

Or

Or you can walk in and take a whole and wait.

Note: Being represented by an Attorney and having medical assistance ready will help your case.

Step Two:

You will receive a packet of papers in the mail to be filled out and returned to the public protection Office by the date requested.
All your medical records will be sent for from your discrete medical providers.

Step Three:

You will receive a letter from public protection with a date and time for you to have a medical examination by a medical Doctor.

Step Four:

If after your examination you are refused permanent disability you have a time limit to file for an appeal. The appeal form will be enclosed with your refusal letter from public Security.

Step Five:

At this time you may be represented by an attorney. beyond doubt you may have attorney representation beginning with Step One.

Step Six:

You will be waiting for a court date to be set. This can take months.

Step Seven:

You can appeal again.

If denied again. You can start Step One over again.

Note: Each state has separate requirements to be fulfilled by you. Always call your public protection office and get the accurate data for your personal use.

During this faultless process you will not be able to work. You will have to depend on your bank account, house and friends for preserve to make it straight through the tough times.

Thank you for reading my article. Please feel free to read any of my numerous articles.

Copyright Linda E. Meckler 2007

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How Much Does health insurance usually Cost?

Affordable Health Insurance - How Much Does health insurance usually Cost?

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The mean cost of condition assurance is difficult to part precisely. The mean cost in 2008 of assurance from an boss was ,700 per annum for an individual, and ,700 per annum for a family of four, agreeing to Kaiser

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It is commonly agreed that cover purchased by the customer without either supervision aid or straight through an employer's variety condition plan will cost considerably more. People in California who use Cobra will spend 0 per month on premiums, though this can be offset somewhat straight through subsidization.

According to the Us recognize government agency 84% of Us populace have well being care, and only 9% obtain it in confidence. The remainders are receiving cover straight through a company provided plan, or from side to side some form of subsidize supervision program. The excellent 16% of the land is uninsured. That gives you an idea of how much condition assurance costs.

If it is unspoken that, for the mean user, an autonomous single indemnity plan will cost greater than the ,700 accepted for employer-provided condition care in the Kaiser study, then it can be understood that privately obtained plans are likely to cost as much and more with the fee rising as age or other condition complications are factored in. When you are examining condition plans you can use the baseline of the mean expenses of plans provided by employers as a beginning point.

Understanding the tenuous situation of today's condition care system, it is hard to predict what assurance will cost over any given time period.

The best option is to avail health-care from boss if provided, government-sponsored condition care when you become eligible, low-priced Cobra like plans as makeshift if you cannot afford other insurance, and tap facilities at hospitals and clinics if you do not find ways to meet your condition care needs otherwise.

This advice is any way not the most trusting thing. It is, conversely, realistic: the present state of the wealth, the fluid state of the official issue of how the American condition Care ideas is going to be planned, and ever growing rise in condition care costs makes any other advice careless.

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Is Life insurance For citizen Over 80 Years Old Affordable?

Affordable Health Insurance - Is Life insurance For citizen Over 80 Years Old Affordable?

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If you or someone that you love is in their golden years, you have probably been inspecting supplementary life assurance coverage. Time has a way of getting away from us and before we know it, we're in our 80's and wishing that we had supplementary coverage to ease the burden on our loved ones. While life assurance is oftentimes marketed to seniors in this age bracket, it's not all the time what it seems.

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If you are finding for a life course for someone over 80 years old, there are a few things that you should know to avoid manufacture a bad decision.

First, you should make sure that the course that you are purchasing is for a whole life policy. Whole life will supply you with coverage until age 100. Some policies supply coverage through age 120, although are very expensive.

Be sure that you do not purchase term life coverage or coverage that will have decreasing benefits. This is very important for clear reasons.

While it may be very high-priced through some companies, there are other life assurance associates that can supply affordable life assurance for people over 80 years old. Just like all else that you buy, who you buy from can make a big dissimilarity in how much money you can save.

Finding a enterprise that will offer you the best coverage at the most affordable price can involve a lot of research. One of the best ways to get quick answers in finding the best coverage and the bottom cost, is to use an online comparison website that will allow you to reveal each enterprise side by side.

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Medicare Supplement Plan J - What's Happening to it in 2010?

Aetna Health Insurance Quotes - Medicare Supplement Plan J - What's Happening to it in 2010?

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Medicare Supplement Plan J is one of the Federally-standardized Medicare Supplement plans. Much has been written and discussed about the upcoming June 1, 2010 changes to the standard Medicare Supplement plans. One of the major changes with the modernization of the plans is the elimination of some plans, along with Medigap Plan J. It is foremost to note, however, that existing Plan J policyholders will not lose their current Plan J coverage with this modernization of the plans.

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In reality, the elimination of Plan J is by default. The two benefits that J has to set it apart from Plan F, the most tasteless Medigap plan, are Preventive Care and At Home Recovery. Those two benefits are being eliminated from all of the plans by the Centers for Medicare & Medicaid Services (Cms) due to lack of use. The elimination of these benefits means that J is a duplication of F, so it is thereby discarded.

The two benefits that are being abolished were not very popular, or oftentimes used, benefits, anyway. However, in some cases where J was very close in price to F, the J plan has made sense for some Medicare-enrollees.

To reiterate again, existing Plan J policyholders will not be kicked off of their current Plan J coverage or have to leave it. It is foremost to note, though, that existing Plan J policyholders will be in what is called a "closed" block of business. What this means is that there will be no new J policies sold after that June 1, 2010 date. Some reckon that this will lead to Plan J rates increasing more rapidly on Plan J than on other plans. While this does make logical sense (older policyholders equals more claims equals higher rates), it remains to be seen the true and lasting result that the dismissal of Plan J will have on current J policyholders.

The course of operation that I recommend, as always, is a careful, unbiased consideration of all options available in your zip code. Unless Plan J is within -15 of F (or other higher level plans), it generally will not make sense for you financially, based on the lack of use of the two distinguishing benefits and the uncertain time to come related with J.

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Hospice Fraud - A spin For Employees, Whistleblowers, Attorneys, Lawyers and Law Firms

Blue Cross Health Insurance Quotes - Hospice Fraud - A spin For Employees, Whistleblowers, Attorneys, Lawyers and Law Firms

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Hospice fraud in South Carolina and the United States is an addition qoute as the amount of hospice patients has exploded over the past few years. From 2004 to 2008, the amount of patients receiving hospice care in the United States grew almost 40% to nearly 1.5 million, and of the 2.5 million people who died in 2008, nearly one million were hospice patients. The marvelous majority of people receiving hospice care receive federal benefits from the federal government through the Medicare or Medicaid programs. The health care providers who furnish hospice services traditionally enroll in the Medicare and Medicaid programs in order to qualify to receive payments under these government programs for services rendered to Medicare and Medicaid eligible patients.

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While most hospice health care organizations furnish thorough and ethical rehabilitation for their hospice patients, because hospice eligibility under Medicare and Medicaid involves clinical judgments which may result in the payments of large sums of money from the federal government, there are sizable opportunities for fraudulent practices and false billing claims by unscrupulous hospice care providers. As up-to-date federal hospice fraud compulsion actions have demonstrated, the amount of health care fellowships and individuals who are willing to try to defraud the Medicare and Medicaid hospice benefits programs is on the rise.

A up-to-date example of hospice fraud spellbinding a South Carolina hospice is Southern Care, Inc., a hospice company that in 2009 paid .7 million to resolve an Fca case. The defendant operated hospices in 14 other states, too, along with Alabama, Georgia, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Ohio, Pennsylvania, Texas, Virginia and Wisconsin. The alleged frauds were that patients were not eligible for hospice, to wit, were not terminally ill, lack of documentation of concluding illnesses, and that the company marketed to possible patients with the promise of free medications, supplies, and the provision of home health aides. Southern Care also entered into a 5-year Corporate Integrity business agreement with the Oig as part of the settlement. The qui tam relators received almost million.

Understanding the Consequences of Hospice Fraud and Whistleblower Actions

U.S. And South Carolina consumers, along with hospice patients and their house members, and health care employees who are employed in the hospice industry, as well as their Sc lawyers and attorneys, should edify themselves with the basics of the hospice care industry, hospice eligibility under the Medicare and Medicaid programs, and hospice fraud schemes that have advanced across the country. Consumers need to safe themselves from unethical hospice providers, and hospice employees need to guard against knowingly or unwittingly participating in health care fraud against the federal government because they may branch themselves to menagerial sanctions, along with lengthy exclusions from working in an organization which receives federal funds, sizable civil monetary penalties and fines, and criminal sanctions, along with incarceration. When a hospice employee discovers fraudulent conduct spellbinding Medicare or Medicaid billings or claims, the employee should not participate in such behavior, and it is imperative that the unlawful conduct be reported to law compulsion and/or regulatory authorities. Not only does reporting such fraudulent Medicare or Medicaid practices shield the hospice employee from exposure to the foregoing administrative, civil and criminal sanctions, but hospice fraud whistleblowers may advantage financially under the reward provisions of the federal False Claims Act, 31 U.S.C. §§ 3729-3732, by bringing false claims suits, also known as qui tam or whistleblower suits, against their employers on behalf of the United States.

Types of Hospice Care Services

Hospice care is a type of health care assistance for patients who are terminally ill. Hospices also furnish maintain services for the families of terminally ill patients. This care includes bodily care and counseling. Hospice care is ordinarily provided by a collective group or underground company beloved by Medicare and Medicaid. Hospice care is ready for all age groups, along with children, adults, and the elderly who are in the final stages of life. The purpose of hospice is to furnish care for the terminally ill patient and his or her house and not to cure the concluding illness.

If a patient qualifies for hospice care, the patient can receive healing and maintain services, along with nursing care, healing collective services, physician services, counseling, homemaker services, and other types of services. The hospice patient will have a team of doctors, nurses, home health aides, collective workers, counselors and trained volunteers to help the patient and his or her house members cope with the symptoms and consequences of the concluding illness. While many hospice patients and their families can receive hospice care in the relieve of their home, if the hospice patient's health deteriorates, the patient can be transferred to a hospice facility, hospital, or nursing home to receive hospice care.

Hospice Care Statistics

The amount of days that a patient receives hospice care is often referenced as the "length of stay" or "length of service." The length of assistance is dependent on a amount of separate factors, along with but not petite to, the type and stage of the disease, the quality of and way to health care providers before the hospice referral, and the timing of the hospice referral. In 2008, the mean length of stay for hospice patients was about 21 days, the mean length of stay was about 69 days, almost 35% of hospice patients died or were discharged within 7 days of the hospice referral, and only about 12% of hospice patients survived longer than 180 days.

Most hospice care patients receive hospice care in underground homes (40%). Other locations where hospice services are provided are nursing homes (22%), residential facilities (6%), hospice patient facilities (21%), and acute care hospitals (10%). Hospice patients are commonly the elderly, and hospice age group percentages are 34 years or less (1%), 35 - 64 years (16%), 65 - 74 years (16%), 75 - 84 years (29%), and over 85 years (38%). As for the concluding illness resulting in a hospice referral, cancer is the determination for almost 40% of hospice patients, followed by debility unspecified (15%), heart disease (12%), dementia (11%), lung disease (8%), stroke (4%) and kidney disease (3%). Medicare pays the great majority of hospice care expenses (84%), followed by underground insurance (8%), Medicaid (5%), charity care (1%) and self pay (1%).

As of 2008, there were almost 4,700 locations which were providing hospice care in the United States, which represented about a 50% growth over ten years. There were about 3,700 fellowships and organizations which were providing hospice services in the United States. About half of the hospice care providers in the United States are for-profit organizations, and about half are non-profit organizations.
General summary of the Medicare and Medicaid Programs

In 1965, Congress established the Medicare agenda to furnish health insurance for the elderly and disabled. Payments from the Medicare agenda arise from the Medicare Trust fund, which is funded by government contributions and through payroll deductions from American workers. The Centers for Medicare and Medicaid Services (Cms), previously known as the health Care Financing administration (Hcfa), is the federal group within the United States group of health and Human Services (Hhs) that administers the Medicare agenda and works in partnership with state governments to administer Medicaid.

In 2007, Cms reorganized its ten geography-based field offices to a Consortia structure based on the agency's key lines of business: Medicare health plans, Medicare financial management, Medicare fee for assistance operations, Medicaid and children's health, study & certification and quality improvement. The Cms consortia consist of the following:

• Consortium for Medicare health Plans Operations
• Consortium for Financial administration and Fee for assistance Operations
• Consortium for Medicaid and Children's health Operations
• Consortium for quality correction and study & Certification Operations

Each consortium is led by a Consortium Administrator (Ca) who serves as the Cms's national focal point in the field for their company line. Each Ca is responsible for consistent implementation of Cms programs, course and guidance across all ten regions for matters pertaining to their company line. In addition to accountability for a company line, each Ca also serves as the Agency's senior administration valid for two or three Regional Offices (Ros), representing the Cms Administrator in external matters and overseeing menagerial operations.

Much of the daily administration and performance of the Medicare agenda is managed through underground insurance fellowships that covenant with the Government. These underground insurance companies, sometimes called "Medicare Carriers" or "Fiscal Intermediaries," are expensed with and responsible for accepting Medicare claims, determining coverage, and manufacture payments from the Medicare Trust Fund. These carriers, along with Palmetto Government Benefits Administrators (hereinafter "Pgba"), a group of Blue Cross and Blue Shield of South Carolina, operate pursuant to 42 U.S.C. §§ 1395h and 1395u and rely on the good faith and truthful representations of health care providers when processing claims.

Over the past forty years, the Medicare agenda has enabled the elderly and disabled to fetch vital healing services from healing providers throughout the United States. vital to the success of the Medicare agenda is the underlying thought that health care providers accurately and legitimately submit claims and bills to the Medicare Trust Fund only for those healing treatments or services that are legitimate, inexpensive and medically necessary, in full compliance with all laws, regulations, rules, and conditions of participation, and, further, that healing providers not take advantage of their elderly and disabled patients.

The Medicaid agenda is ready only to unavoidable low-income individuals and families who must meet eligibility requirements set forth by federal and state law. Each state sets its own guidelines about eligibility and services. Although administered by personel states, the Medicaid agenda is funded primarily by the federal government. Medicaid does not pay money to patients; rather, it sends payments directly to the patient's health care providers. Like Medicare, the Medicaid agenda depends on health care providers to accurately and legitimately submit claims and bills to agenda administrators only for those healing treatments or services that are legitimate, inexpensive and medically necessary, in full compliance with all laws, regulations, rules, and conditions of participation, and, further, that healing providers not take advantage of their indigent patients.

Medicare & Medicaid Hospice Laws Which affect Sc Hospices

Hospice fraud occurs when hospice organizations, by and through their employees, agents and owners, knowingly violate the terms and conditions of the applicable Medicare and Medicaid hospice statutes, regulations, rules and conditions of participation. In order to be able to identify hospice fraud, hospices, hospice patients, hospice employees and their attorneys and lawyers must know the Medicare laws and requirements relating to hospice care benefits.

Medicare's two main sources of authorization for hospice benefits are found in the collective safety Act and the U.S. Code of Federal Regulations. The statutory provisions are primarily found at 42 U.S.C. §§ 1395d, 1395e, 1395f(a)(7), 1395x(d)(d), and 1395y, and the regulatory provisions are found at 42 C.F.R. Part 418.

To be eligible for Medicare benefits for hospice care, the patient must be eligible for Medicare Part A and be terminally ill. 42 C.F.R. § 418.20. concluding illness is established when "the personel has a healing determination that his or her life expectancy is 6 months or less if the illness runs its normal course." 42 C.F.R. § 418.3; 42 U.S.C. § 1395x(d)(d)(3). The patient's physician and the healing director of the hospice must certify in writing that the patient is "terminally ill." 42 U.S.C. § 1395f(a)(7); 42 C.F.R. § 418.20. After a patient's introductory certification, Medicare provides for two ninety-day advantage periods followed by an unlimited amount of sixty-day advantage periods. 42 U.S.C. § 1395d(a)(4). At the end of each ninety- or sixty-day period, the patient can be re-certified only if at that time he or she has less than six months to live if the illness runs its normal course. 42 U.S.C. § 1395f(a)(7)(A). The written certification and re-certifications must be maintained in the patient's healing records. 42 C.F.R. § 418.23. A written plan of care must be established for each patient setting forth the types of hospice care services the patient is scheduled to receive, 42 U.S.C. § 1395f(a)(7)(B), and the hospice care has to be provided in accordance with such plan of care. 42 U.S.C. § 1395f(a)(7)(C); 42 C.F.R. § 418.56. Clinical records for each hospice patient must be maintained by the hospice, along with plan of care, assessments, clinical notes, signed observation of election, patient responses to medication and therapy, physician certifications and re-certifications, outcome data, enlarge directives and physician orders. 42 C.F.R. § 418.104.

The hospice must fetch a written observation of choice from the patient to elect to receive Medicare hospice benefits. 42 C.F.R. § 418.24. Importantly, once a patient has elected to receive hospice care benefits, the patient waives Medicare benefits for healing rehabilitation for the concluding disease upon which is the admitting diagnosis. 42 C.F.R. § 418.24(d).

The hospice must prescription an Interdisciplinary Group (Idg) or groups composed of individuals who work together to meet the physical, medical, psychosocial, emotional, and spiritual needs of the hospice patients and families facing concluding illness and bereavement. 42 C.F.R. § 418.56. The Idg members must furnish the care and services offered by the hospice, and the group, in its entirety, must supervise the care and services. A registered nurse that is a member of the Idg must be designated to furnish coordination of care and to ensure continuous assessment of each patient's and family's needs and implementation of the interdisciplinary plan of care. The interdisciplinary group must include, but is not petite to, the following fine and competent professionals: (i) A physician of rehabilitation or osteopathy (who is an employee or under covenant with the hospice); (ii) A registered nurse; (iii) A collective worker; and, (iv) A pastoral or other counselor. 42 C.F.R. § 418.56.

The Medicare hospice regulations, at 42 C.F.R. § 418.200, summarize the requirements for hospice coverage in pertinent part as follows:

To be covered, hospice services must meet the following requirements. They must be inexpensive and vital for the palliation and administration of the concluding illness as well as connected conditions. The personel must elect hospice care in accordance with §418.24. A plan of care must be established and periodically reviewed by the attending physician, the healing director, and the interdisciplinary group of the hospice agenda as set forth in §418.56. That plan of care must be established before hospice care is provided. The services provided must be consistent with the plan of care. A certification that the personel is terminally ill must be completed as set forth in section §418.22.

The collective safety Act, at 42 U.S.C. § 1395y(a), limits Medicare hospice benefits, providing in pertinent part as follows: "Notwithstanding any other provision of this title, no cost may be made under part A or part B for any expenses incurred for items or services-... (C) in the case of hospice care, which are not inexpensive and vital for the palliation or administration of concluding illness...." 42 C.F.R. § 418.50 (hospice care must be "reasonable and vital for the palliation and administration of concluding illness"). Palliative care is defined in the regulations as "patient and family-centered care that optimizes quality of life by anticipating, preventing, and treating suffering. Palliative care throughout the continuum of illness involves addressing physical, intellectual, emotional, social, and spiritual needs and to facilitate patient autonomy, way to information, and choice." 42 C.F.R. § 418.3.

Medicare pays hospice agencies a daily rate for each day a beneficiary is enrolled in the hospice advantage and receives hospice care. The daily payments are made regardless of the amount of services furnished on a given day and are intended to cover costs that the hospice incurs in furnishing services identified in the patient's plan of care. There are four levels of payments which are made based on the amount of care required to meet beneficiary and house needs. 42 C.F.R. § 418.302; Cms Hospice Fact Sheet, November 2009. These four levels, and the corresponding 2010 daily rates, are as follows: habit home care (2.91); continuous home care (4.10); patient respite care (7.83); and, normal patient care (5.74).

The compound yearly cap per patient in 2009 was ,014.50. This cap is considered by adjusting the customary hospice patient cap of ,500, set in 1984, by the buyer Price Index. See Cms Internet-Only manual 100-04, part 11, section 80.2; 42 U.S.C. § 1395f(i); 42 C.F.R. § 418.309. The Medicare Claims Processing Manual, at part 11 - Processing Hospice Claims, in Section 80.2, entitled "Cap on uncut Hospice Reimbursement," provides in pertinent part as follows: "Any payments in excess of the cap must be refunded by the hospice."

Hospice patients are responsible for Medicare co-insurance payments for drugs and respite care, and the hospice may payment the patient for these co-insurance payments. However, the co-insurance payments for drugs are petite to the lesser of or 5% of the cost of the drugs to the hospice, and the co-insurance payments for respite care are commonly 5% of the cost made by Medicare for such services. 42 C.F.R. § 418.400.

The Medicare and Medicaid programs require institutional health care providers, along with hospice organizations, to file an enrollment application in order to qualify to receive the programs' benefits. As part of these enrollment applications, the hospice providers certify that they will comply with Medicare and Medicaid laws, regulations, and agenda instructions, and supplementary certify that they understand that cost of a claim by Medicare and Medicaid is conditioned upon the claim and underlying transaction complying with such agenda laws and requirements. The Medicare Enrollment Application which hospice providers must execute, Form Cms-855A, states in part as follows: "I agree to abide by the Medicare laws, regulations and agenda instructions that apply to this provider. The Medicare laws, regulations, and agenda instructions are ready through the Medicare contractor. I understand that cost of a claim by Medicare is conditioned upon the claim and the underlying transaction complying with such laws, regulations, and agenda instructions (including, but not petite to, the Federal Aks and Stark laws), and on the provider's compliance with all applicable conditions of participation in Medicare."

Hospices are commonly required to bill Medicare on a monthly basis. See the Medicare Claims Processing Manual, at part 11 - Processing Hospice Claims, in Section 90 - Frequency of Billing. Hospices commonly file their hospice Medicare claims with their Fiscal Intermediary or Medicare Carrier pursuant to the Cms Claims manual Form Cms 1450 (sometime also called a Form Ub-04 or Form Ub-92), either in paper or electronic form. These claim forms include representations and certifications which state in pertinent part that: (1) misrepresentations or falsifications of vital information may serve as the basis for civil monetary penalties and criminal convictions; (2) submission of the claim constitutes certification that the billing information is true, strict and complete; (3) the submitter did not knowingly or recklessly disregard or misrepresent or conceal material facts; (4) all required physician certifications and re-certifications are on file; (5) all required patient signatures are on file; and, (6) for Medicaid purposes, the submitter understands that because cost and delight of this claim will be from Federal and State funds, any false statements, documents, or concealment of a material fact are branch to prosecution under applicable Federal or State Laws.

Hospices must also file with Cms an yearly cost and data article of Medicare payments received. 42 U.S.C. § 1395f(i)(3); 42 U.S.C. § 1395x(d)(d)(4). The yearly hospice cost and data reports, Form Cms 1984-99, include representations and certifications which state in pertinent part that: (1) misrepresentations or falsifications of information contained in the cost article may be punishable by criminal, civil and menagerial actions, along with fines and/or imprisonment; (2) if any services identified in the article were the stock of a direct or indirect kickback or were otherwise illegal, then criminal, civil and menagerial actions may result, along with fines and/or imprisonment; (3) the article is a true, strict and perfect statement ready from the books and records of the supplier in accordance with applicable instructions, except as noted; and, (4) the signing officer is customary with the laws and regulations about the provision of health care services and that the services identified in this cost article were provided in compliance with such laws and regulations.

Hospice Anti-Fraud compulsion Statutes

There are a amount of federal criminal, civil and menagerial compulsion provisions set forth in the Medicare statutes which are aimed at preventing fraudulent conduct, along with hospice fraud, and which help maintain agenda integrity and compliance. Some of the more leading compulsion provisions of the Medicare statutes include the following: 42 U.S.C. § 1320a-7b (Criminal fraud and anti-kickback penalties); 42 U.S.C. § 1320a-7a and 42 U.S.C. § 1320a-8 (Civil monetary penalties for fraud); 42 U.S.C. § 1320a-7 (Administrative exclusions from participation in Medicare/Medicaid programs for fraud); 42 U.S.C. § 1320a-4 (Administrative subpoena power for the Comptroller General).

Other criminal compulsion provisions which are used to combat Medicare and Medicaid fraud, along with hospice fraud, include the following: 18 U.S.C. § 1347 (General health care fraud criminal statute); 21 U.S.C. §§ 353, 333 (Prescription Drug Marketing Act); 18 U.S.C. § 669 (Theft or Embezzlement in connection with health Care); 18 U.S.C. § 1035 (False statements relating to health Care); 18 U.S.C. § 2 (Aiding and Abetting); 18 U.S.C. § 3 (Accessory after the Fact); 18 U.S.C. § 4 (Misprision of a Felony); 18 U.S.C. § 286 (Conspiracy to defraud the Government with respect to Claims); 18 U.S.C. § 287 (False, Fictitious or Fraudulent Claims); 18 U.S.C. § 371 (Criminal Conspiracy); 18 U.S.C. § 1001 (False Statements); 18 U.S.C. § 1341 (Mail Fraud); 18 U.S.C. § 1343 (Wire Fraud); 18 U.S.C. § 1956 (Money Laundering); 18 U.S.C. § 1957 (Money Laundering); and, 18 U.S.C. § 1964 (Racketeer Influenced and Corrupt Organizations ("Rico")).

The False Claims Act (Fca)

Hospice fraud whistleblowers may advantage financially under the reward provisions of the federal False Claims Act, 31 U.S.C. §§ 3729-3732, by bringing false claims suits, also known as qui tam or whistleblower suits, against their employers on behalf of the United States. The plaintiff in a hospice fraud whistleblower suit is also known as a relator. The most tasteless Fca provisions upon which hospice fraud qui tam or whistleblower relators rely are found in 31 U.S.C. § 3729: (A) knowingly presents, or causes to be presented, a false or fraudulent claim for cost or approval; (B) knowingly makes, uses, or causes to be made or used, a false article or statement material to a false or fraudulent claim; (C) conspires to commit a violation of subparagraph (A), (B), (D), (E), (F), or (G);..., and, (G) knowingly makes, uses, or causes to be made or used, a false article or statement material to an compulsion to pay or forward money or asset to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an compulsion to pay or forward money or asset to the Government.... There is no requirement to prove definite intent to defraud. Rather, it is only vital to prove actual knowledge of the false claims, false statements, or false records, or the defendant's deliberate indifference or reckless disregard of the truth or falsity of the information. 31 U.S.C. § 3729(b).

The Fca anti-retaliation provision protects the hospice whistleblower from retaliation from the hospice when the employee (or a contractor) "is discharged, demoted, suspended, threatened, harassed, or in any other manner discriminated against in the terms and conditions of employment" for taking action to try to stop the fraudulent activity. 31 U.S.C. § 3730(h). A hospice employee's relief includes reinstatement, 2 times the amount of back pay, interest on the back pay, and payment for any special damages sustained as a result of the discrimination or retaliation, along with litigation costs and inexpensive attorneys' fees.

A Sc hospice fraud Fca whistleblower would initially file a disclosure statement, complaint and supporting documents with the U.S. Attorney's Office in Columbia, South Carolina, and the Us Attorney General. After the disclosures are filed, a federal court complaint can be filed. The Sc group where the frauds occurred, the relator's residence, and the defendant residence, will resolve which group the case will be assigned. There are eleven federal court divisions in South Carolina. Once the case has been filed, the government has 60 days to resolve either or not to intervene. During this time, federal government investigators placed in South Carolina will research the claims. If the case complicated Medicaid, Sc Medicaid fraud unit investigators will likely come to be complicated as well. If the government intervenes in the case, the U.S. Attorney for South Carolina is ordinarily the lead attorney. If the government does not intervene, the relator's Sc attorney will prosecute the case. In South Carolina, expect a qui tam case to take one to two years to get to trial.

Tips on Recognizing Hospice Fraud Schemes

The Hhs Office of Inspector normal (Oig) has issued special Fraud Alerts for fraudulent and abusive practices of hospices. U.S. And South Carolina hospices, patients, hospice employees and whistleblowers, their attorneys and lawyers, should be customary with these hospice fraud practices. Tips on recognizing hospice frauds in South Carolina and the U.S. Are:

• A hospice contribution free goods or goods at below store value to induce a nursing home to refer patients to the hospice.
• False representations in a hospice's Medicare/Medicaid enrollment form.
• A hospice paying "room and board" payments to the nursing home in amounts in excess of what the nursing home would have received directly from Medicaid had the patient not been enrolled in the hospice.
• False statements in a hospice's claim form (Cms Forms 1450, Ub-04 or Ub-92).
• A hospice falsely billing for services that were not inexpensive or vital for the palliation of the symptoms of a terminally ill patient.
• A hospice paying amounts to the nursing home for "additional" services that Medicaid considered included in its room and board cost to the hospice.
• A hospice paying above fair store value for "additional" non-core services which Medicaid does not think to be included in its room and board payments to the nursing home.
• A hospice referring patients to a nursing home to induce the nursing home to refer its patients to the hospice.
•A hospice providing free (or below fair store value) care to nursing home patients, for whom the nursing home is receiving Medicare cost under the skilled nursing facility benefit, with the anticipation that after the patient exhausts the skilled nursing facility benefit, the patient will receive hospice services from that hospice.
• A hospice providing staff at its cost to the nursing home to perform duties that otherwise would be performed by the nursing home.
• Incomplete or no written Plan of Care was established or reviewed at definite intervals.
• Plan of Care did not include an assessment of needs.
• Fraudulent statements in a hospice's cost article to the government.
• observation of choice was not obtained or was fraudulently obtained.
• Rn supervisory visits were not made for home health aide services.
• Certification or Re-certification of concluding illness was not obtained or was fraudulently obtained.
• No Plan of care was included for bereavement services.
• Fraudulent billing for upcoded levels of hospice care.
• Hospice did not conduct a self-assessment of quality and care provided.
• Clinical records were not maintained for every patient.
• Interdisciplinary group did not recapitulate and modernize the plan of care for each patient.

Recent Hospice Fraud compulsion Cases

The Doj and U.S. Attorney's Offices have been active in enforcing hospice fraud cases.

In 2009, Kaiser Foundation Hospitals placed an Fca lawsuit by paying .8 million to the federal government. The defendant allegedly failed to fetch written certifications of concluding illness for a amount of its patients.

In 2006, Odyssey Healthcare, a national hospice provider, paid .9 million to resolve a qui tam suit for false claims under the Fca. The hospice fraud allegations were commonly that Odyssey billed Medicare for providing hospice care to patients when they were not terminally ill and ineligible for Medicare hospice benefits. A Corporate Integrity business agreement was also a part of the settlement. The hospice fraud qui tam relator received .3 million for blowing the whistle on the defendant.

In 2005, Faith Hospice, Inc., placed claims an Fca claim for 0,000. The hospice fraud allegations were commonly that Faith Hospice billed Medicare for providing hospice care to patients more than half of whom were not terminally ill.

In 2005, Home Hospice of North Texas placed an Fca claim for 0,000 about allegations of fraudulently billing Medicare for ineligible hospice patients.

In 2000, Michigan osteopath Donald Dreyfuss, who pleaded guilty to criminal fraud charges, along with violation of the Aks for receiving illegal kickbacks from a hospice for recommending the hospice to the staff of his nursing home, placed an Fca suit for million.

Conclusion

Hospice fraud is a growing qoute in South Carolina and throughout the United States. South Carolina hospice patients, hospice employees, and their Sc lawyers and attorneys, should be customary with the basics of the hospice care industry, hospice eligibility under the Medicare and Medicaid programs, and typical hospice fraud schemes. Hospice organizations should take steps to ensure full compliance with Medicare/Medicaid hospice billing requirements to avoid hospice fraud allegations and Fca litigation.

© 2010 Joseph P. Griffith, Jr.

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Exercising at Night Versus in the Morning

Blue Cross Health Insurance Plans - Exercising at Night Versus in the Morning

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There are some citizen who feel as if exercising at night is best than working out in the morning. However, there isn't undoubtedly any truth to this whether way. For instance, I had all the time heard that it is best to rehearsal in the morning because this is when your body is more apt to burn the most energy, thereby, helping you to lose more weight.

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The principles with this is that when you work out in the morning, you haven't had whatever to eat yet. Therefore, when you start to work out, the power that you are burning is being used from fat that is in your body. When you choose to work out later in the day, though, you have no doubt already eaten something. Therefore, your body is focused on trying to use power to break down the food in your body; and any power that you are exerting straight through rehearsal undoubtedly isn't going towards burning calories nearly as much as it would have been on an empty stomach.

The other rumor about exercising at night is that it keeps you up at night. This undoubtedly may be true. You see, when you rehearsal at night, you are getting your heart rate up in order to burn more calories. Therefore, if you have just ended exercising, your body is still revved up. My suggestion as a previous collegiate athlete? If you are going to work out at night, make sure that you give yourself at least a integrate of hours to wind down from whatever it is that you just did. Remember, even after you have ended exercising, depending on the intensity of what you were doing, your body is going to continue to burn calories for a few hours after you have completed your workout routine. Obviously, you wouldn't want to go for a ten mile run at 7 tiny mile pace, walk in the door to your apartment and then go right to bed after you had taken a shower.

You have to be smart when you exercise. Another presuppose why many citizen don't advocate exercising at night is in reference to those of us who insist on going for a run or walk outdoors. At night, it is much more difficult to see where you are going; and this leaves you with all sorts of opening to trip over something in the street or on the sidewalk. Additionally, you make yourself an easier target for citizen who are up to no good and may try to mug you or hurt you. You can also put yourself, often unintentionally, into a situation where it becomes difficult for motorists to see you, which could potentially cause a traffic accident.

In the mornings, depending on what time you exercise, it is normally lighter exterior and the visibility is often better. Additionally, exercising first thing in the morning is a great way to wake up and start your day feeling fresh. There have been studies that show that those citizen who rehearsal first thing in the morning often continue throughout the rest of their day with healthier eating habits, etc. So, whatever you choose, just make sure that you are being safe and putting your body's health first!

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Electronic medical Records - The Pros and Cons

Blue Cross Health Insurance Plans - Electronic medical Records - The Pros and Cons

Good morning. Today, I learned all about Blue Cross Health Insurance Plans - Electronic medical Records - The Pros and Cons. Which may be very helpful in my experience and also you. Electronic medical Records - The Pros and Cons

In this digital age, more and more bulks of information which used to be paper-based, from library catalogs to telephone books, are digitized and stored in a central location for easy access. The idea of Emrs started about 40 years ago.

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The main proponents of Emrs cite the following advantages:

(1) The use of Ehrs supposedly reduces errors in medical records. There is no doubt that handwritten records are branch to lots of human errors due to misspelling, illegibility, and differing terminologies. With the use of Emrs standardization of sick person condition records may at last come to be acheivable.

(2) Paper records can be categorically lost. We have heard how fires, floods and other natural catastrophes destroy corporal records of many years, data which are lost forever. Digital records can be stored virtually forever and can be kept long after the corporal records are gone. Emrs also help keep records of condition information that patients tend to forget with time, i.e. Inoculations, old illnesses and medications.

(3) Emrs make condition care cost-efficient by consolidating all data in one place. Previously, paper-based records are located in different places and getting access to all of them takes a lot of time and money. In a systematic review, Kripalani et al. Evaluated the communication replacement between primary care physicians and hospital-based physicians and found considerable deficits in medical information exchange. The report recommended the use of Emrs to decide these issues and facilitate the continuity of care before, while and after hospitalization. Emrs translates into better rehabilitation for patients. Take the example of one asthma center's taste with Emr: "A major benefit connected with Emr implementation was the increase in the whole of children who were hospitalized with an asthma exacerbation and received an asthma operation plan upon discharge. Prior to the Emr system, [only] 4% received an asthma operation plan upon discharge. After implementation of the Emr system, 58% received an asthma operation plan upon discharge."

(4) Emrs can save lives. VeriChip, developed by VeriChip Corporation is the first one of its kind ever popular ,favorite by the Us Fda. It enables rapid identification of at-risk patients and access to their medical history, thereby enabling rapid determination and rehabilitation especially in crisis situations. Classic examples are citizen with diabetes and/or heart problems who have high risk of collapsing and having attacks. VeriChip is also useful in vehicular accidents and other trauma incidents where the victims aren't capable of answering questions. In cases of large-scale catastrophes, VeriChip facilitates tracking and identification of victims. Agreeing to a coroner in Mississippi, VeriChip helped identify victims while the Hurricane Katrina incident.

Earlier this year, Google condition was launched, an online personalized condition records service. Google condition is based on the principle that since it's the patient's medical record, the sick person should control it, decide what should be in it, and who gets access to it. One of the features of the assistance includes records from hospitals and pharmacies that are Google Health-enabled or are registered Google condition partners.

The HealthVault is another online condition information warehouse assistance offered by Microsoft with features similar to Google Health. Keith Toussaint, senior schedule owner with Microsoft HealthVault recently stated " prominent hospitals like Beth Israel Deaconess medical town are categorically integrating their systems with both us and Google -- because some citizen like one or the other. It's a Coke or Pepsi thing."

What are the disadvantages of Emrs? Not surprisingly, privacy possession advocacy groups are the main opponent of Emrs. Here is what they have to say:

(1) Emrs threaten our privacy. In this day and age when people's mantra is "I need my privacy", not many citizen are comfortable about having their entire medical history recorded and digitized for approximately just any person to see - in other words, incursion into people's privacy. The confidentiality of physician - sick person connection is still sacrosanct. Besides, medical data can be used against a man in some cases - be it for a job application, assurance coverage or a college scholarship. Although it is against the law to discriminate against citizen with illnesses and disabilities, it is a fact of life that the fitter you are, the more contentious you are in the job market. The planned incorporation of genetic data in Emrs further adds to people's fear of incursion into their hidden sphere.

(2) Emrs can lead to loss of the human touch in condition care. In the process of digitalization, the interpersonal aspect in condition care may be lost. In handwritten hospital charts, doctors and other condition care practitioners may write what they think and they feel based on their personal observations in their very own words. Emr is naturally about ticking off boxes and crossing out things in electronic forms. The doctors are forced to think in categories and can seldom express a personal understanding on an private case. Because of the lack of flexibility of many electronic reporting systems, cases of misclassification of patients and their conditions have been reported.

(3) Emrs are not that efficient. Despite efforts in digitalization and standardization, Emrs are categorically far from being standardized and not as effective as it is purported to be. It often happens that one clinic's Emr principles is not compatible with that of a general practitioner or another clinic's system, thus belying the claim of added efficiency. In addition, not all users of Emrs are satisfied with the current state of the art. Although the objective is in general efficiency and healthcare quality, one study showed that nurses in the Netherlands are not wholly satisfied with their Emr implemented in 2006-2007.

(4) Emrs are not safe and secure. Google condition and HealthVault are quick in assuring patients of the protection of their online condition accounts. access to the patient's account is only inherent using log ins and password. In addition, HealthVault assures that "all condition information transmitted between HealthVault servers and schedule providers' systems is encrypted" and that Microsoft does it best to use the "highest standards of protection to safeguard consumer condition information from theft, loss, or damage."

However, there are cases wherein passwords and encryptions do not seem to be adequate as data protection tools. Stories of data hacking, stolen identities and blackmail abound. Even high protection databases such as those run by banks and prestige institutions are often compromised. This impression was aggravated by the many well-publicized incidences of data loss or breach. A few examples are listed below:

November 26, 2007, Canada. Hackers accessed medical information on Hiv and hepatitis from a Canadian condition group computer. - September 22, 2008, Uk. The National condition assistance (Nhs) reported the loss of 4 Cds in the mail containing information on 17,990 employees. - September 30, 2008, Us. The business Blue Cross and Blue Shield of Louisiana confirmed breach of personal data, including social protection numbers, phone numbers and addresses of about 1,700 brokers. The data was accidentally attached to a general email.

In addition, there is annotation over Google condition not being a "covered entity under the condition assurance Portability and accountability Act of 1996 and the regulations promulgated thereunder (Hipaa)" under its terms and conditions and is therefore not branch to Hipaa privacy of individually identifiable condition information. The HealthVault terms and conditions do not mention Hipaa privacy laws so it is not clear what its status is regarding this issue.

(5) VeriChip is not for humans. It is to be unbelievable that although many of us are amenable to the use of Rfid chips in pets, the idea of implanting similar chips in human beings is bound to raise hackles in humans, no matter what the Us Fda says. A big opponent of the VeriChip and similar chips of its kind is the consumer advocacy group Spychip.com. In a position paper, Spychip and many advocacy and consumer awareness groups see Rfid tagging (be it on your man or on the items you buy) as a major threat to privacy and civil liberties. They see the tagging as some kind of "Big Brother" operation. another group, the No VeriChip Inside Movement, likens VeriChip as "cataloguing" humans similar to the way the Nazis have tattooed numbers on the skin of attentiveness camp detainees. Favorite Hollywood films on privacy incursions (e.g. The Net, social Enemy No. 1) increased further people's paranoia about personal data.

Where do we go from here? Without doubt, we have the technology to make Emrs standardized and efficient. Google Health, Microsoft HealthVault and similar online personalized condition information accounts are enabling patients to take control of their medical records. The main issues that need to be overcome are data security, protection of privacy and gaining the reliance of the patients. It doesn't seem clear that the use of Rfid and similar tagging chips will come to be thorough or Favorite anytime soon. However, we live in a digital world and we cannot hold back progress indefinitely. With improved technology and data protection tools, let us hope the Emr issue will be resolved soon.

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development health guarnatee Affordable

Blue Cross Health Insurance Quotes - development health guarnatee Affordable

Good evening. Today, I learned all about Blue Cross Health Insurance Quotes - development health guarnatee Affordable. Which is very helpful for me and also you. development health guarnatee Affordable

It seems that we hear about how expensive health care is in the United States everywhere. We hear it on Tv, in the newspaper and from population colse to us. health guarnatee companies are aware that the median personel and house health plan is getting unaffordable. The clarification has been to originate more customizable plans with flexible benefits and deductibles. How much you are paying monthly for health guarnatee is similar to what you would pay for a similar plan from another health guarnatee carrier. The differences will depend on how efficiently the guarnatee company is run. If you got a lower quote for health guarnatee then what you are paying now, it does not mean that you are getting a best deal.

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It could be exclusion, limitation on how much the plan pays for something, deductible, co-insurance or many more very creative ways that guarnatee companies are using to make health plans more affordable. When comparing health guarnatee plans from dissimilar health guarnatee companies it is nearly impossible to correlate them apples to apple. guarnatee companies have to compete and roughly never have plan designs same as other health guarnatee companies in your state. For example in California Blue Cross and Blue Shield are two detach guarnatee companies that are competitive against each other. Both Anthem Blue Cross and Blue Shield of California have very dissimilar plan designs, even though plans might look the same if you are comparing them just based on the deductible and copay. Most population when shopping for health guarnatee are only finding at deductibles and co-pays. What is going to make a big discrepancy in the monthly price you pay is thorough plan design.

First, you unmistakably have to think about past usage of your health insurance. You should only use past references for your preventive care, things like doctor visits and bodily exams. If you are man that does not go to a doctor that often then in most cases there is no imagine for you to have a plan with a low co-pay to go to a doctor. In some cases you can have a plan that does not cover doctor office visits at all. This way you can just pay for the visit out of your own pocket and save a colossal amount monthly on your health guarnatee premiums. In some cases you can have the exact same plan except one would cover doctor office visits while the other one would not, and you can save yourself up to 0 per month. If my math adds up, if you take a plan that does not cover doctor office visits and you go to a doctor once per month well that's 0(your monthly savings) minus (cost of a doctor office visit if you pay out of your own pocket). The cost of actual catastrophic health guarnatee is unmistakably unmistakably low. It is all of those add-ons that you have with an median plan that make it expensive.

Think about this: if you have car guarnatee you know that it will only cover you if you get in a car accident. Car guarnatee does not pay for any "preventative" care. Car guarnatee does not pay for your gas, oil changes, upgrades to your car and "check-ups". The reality is health guarnatee is unmistakably cheap in the United States if you get health guarnatee for what it was designed for, which is major urgency or illness. The question with health guarnatee is not health guarnatee itself. When a man leaves a corporate group health plan they are expecting to get same type of coverage on their own. When you work for a company they whether pay 100% of your health guarnatee or a large part of it. They take the remainder which you have to pay out of your check once every two weeks - this way it does not seem that health guarnatee costs that much. If you got used to the way your large company group plan worked and you are out there finding for a similar plan on your own, of procedure it is going to be expensive.

Today's personel health guarnatee plans are designed so that you can get only benefits that you are going to use. With most companies you have the selection to pick your hospital deductible, your doctor office visit co-pay, the type of prescriptions that you might want to use(generic or brand name) and your maximum out of pocket (make sure that you know what it is when you are comparing health plans). There are a few more ways which guarnatee companies use to add added fees that are not part of your deductibles and co-pays. Some guarnatee companies have co-pay for urgency room visits while others do not. Before the up-to-date changes in plan create took place, companies expensed everyone for maternity coverage, and it did not matter if you were a singular male or if you were 60 years old. Today you can pick whether your plan covers maternity or not.

Some guarnatee companies have what's called "daily installation fees" on top of your deductible. Keep in mind that your main concern would be catastrophic coverage. That will keep you from going bankrupt, not the doctor office visit. No one has ever gone bankrupt because they were not able to pay out of their own pocket for a doctor visit. If you look for health guarnatee for what it was designed for then it is affordable. If you were finding for car guarnatee that covered your gas, oil changes, basic maintenance and checkups, the cost of that coverage would be astronomical. When finding at the plans all you should be involved about is what you would have to pay out of your own pocket in the worst case scenario.

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