Friday, April 17, 2015

Temporary Health Insurance - Is Short-Term Medical Right For You

Short-Term health insurance often times is much more affordable than a COBRA plan or even an individual health plan. Although it may be substantially more cost effective, there is a right and a wrong time to purchase a Short-Term health plan.

Short-Term health insurance was created to fill a gap between coverage periods. As group health insurance rates have increased, the cost of COBRA has become out of reach for some people. If a person does not keep a continuation of health insurance over a period of 18 months, and try to enroll to a new group health plan, often times the new insurer will put a waiver on pre-existing conditions. Short-Term medical insurance can be a great way to keep a continuation of coverage.

There are risks involved with a Short-Term health plan. Short-Term health often will not cover any pre-existing conditions. They usually ask very vague questions about past health history. They approve the policies based on the honors system. Generally if you can answer "no" to 6-10 questions, the policy is approved. This does not mean that the insurance company is going to pay for any and all claims, especially pre-existing conditions and/or medications which are being taken at the time of enrollment. Please read and understand the contract/brochure very carefully.

Remember a Short-Term medical plan is exactly as it is titled. This is a temporary health insurance. Most plans do not give you the right to renew the policy when the policy ends. Even the ones which do allow you to renew are often not guaranteed renewable plans. This means that if there were a substantial claim while being enrolled to the original plan, they may not allow you to renew the plan. This is very important to understand. If you were to obtain cancer while being covered by a Short-Term health insurance plan, you will be covered during the period originally purchased. If you do not have a group plan lined up, and need to purchase another period to cover you, they will often not issue a new policy, you are then left uninsured at the most inopportune time, when you actually need the insurance.

If a person has another job lined up, but has a waiting period before the new health insurance plan will become effective, this is a great time to take advantage of a low cost short-term medical plan. If anything were to happen during the period of coverage on the Short-Term health plan, you will not need to renew it, because you will have a group plan starting at the end of the Short-Term health plan. Because you had a continuation of credible coverage in the Short-Term plan, the new group plan will likely not cover any pre-existing conditions you may have.

If a person was fired or laid off and does not have another job/insurance lined up, Short-Term medical may be a bad choice at this time. Again, if you have that unlucky occurrence of a major illness and/or accident, you will only be covered for the original purchase period, afterwards you are on your own, with no health insurance. Instead of Short-Term medical, a permanent individual plan may be a better answer. Most individual health plans are not able to cancel your policy due to claim, therefore if you had a major illness, you will have coverage as long as you pay your premium. If you have no major illness and become eligible for another group plan, you can always cancel the permanent individual plan.

Some Short-Term Health insurance plans now have a full year coverage option. Some agents sell the plan as an affordable "individual" health insurance option. This is likely not a good option. If you do not have another plan lined up or are not between coverage, you should not consider a Short-Term Health plan a permanent replacement insurance.

Please keep in mind, there is not one health plan which fits everyone's need. Do your research and talk to an agent if needed to ensure you find a plan which best fits your situation.

Tuesday, April 14, 2015

Medical Assistant's Code Of Ethics And Professional Conduct

Every group whether private or professional follows a set of standards or code of ethics. However, the code of ethics in health care is different from the universal ethics. What makes it different is the inclusion of the moral rule which is to perform one's duty above standards. With this moral rule, health care professionals like medical assistants are expected to adhere to the given code of ethics and appropriate professional conduct set by the governing bodies:

To Be Loyal To Their Employers
According to The American Association of Medical Assistants code of ethics, professionals are expected to uphold the honor and high principles of the medical profession by accepting and adhering to its governing disciplines.

Furthermore, medical assistants are expected to be honest and faithful to their employer. A professional can lose his or her license if proven stealing, black mailing, accepting bribes or performing other dirty deals while on duty.

To Provide Quality Standard Health Care Services
Medical assistants are expected to render quality health care services to their clients. They also have to show respect to their patients at all times. They should be concern with the patients' privacy whenever and wherever.

Medical assistants should always be polite and pleasant, responsive and kind towards patients. They are not allowed to make any disrespectful comments or expressions that will degrade their clients.

Be Prepared To Go The Extra Mile
They are expected to participate in additional community services, aiming to improve the health and well-being of the people in the area. They are expected to participate in voluntary works or community health awareness projects of the government.

To Keep All Information Confidential
They are expected to keep all interventions and communications with the patient confidential, unless legally required. They are also expected to keep all pieces of information confidential except to those people who are part of the medical team assigned to the patient. The American Association of Medical Assistants is very strict when it comes to this area. Any information that was accidentally given even to the relatives and members of the medical assistant's family will cause one's license to be revoked.

To Join Training And Career Improvement Activities
They are expected to continually seek professional growth. One can attain this by attending seminars and training provided by the institution. Furthermore, they must be open for additional knowledge and accept co-worker's tips, techniques and advises. Just be certain that the new information is factual and with scientific basis. On the other hand, they must also learn how to share to their other colleagues their learned knowledge and skills.

Indeed, ethics is very essential to any groups and organizations whether social or professional. The code of ethics is created to preserve the dignity and ideals of the group and organization. Every member must be acquainted and briefed of the things expected of them by the organization. Also, ethics when strictly implemented can improve the foundation of the organization.

Not only medical assistants but the entire health care professionals are expected to comply and uphold these ethical rules and bylaws. Medical ethics support justice, equality of human beings and respect for the dignity of the patients. Medical assistants and the entire health care professionals are distinguished with other professions because they are committed to preserve the health of the community. This is one of the many things that health care professionals must be proud of.

Saturday, April 11, 2015

The Importance of Health and Wellness

The importance of health and wellness has certainly come to the forefront of the health industry in the last decade. With the baby boomer generation nearing or entering their senior years, strained health and medical services, and the realization by greater numbers of people of the limitations of medical science, society has developed an increasingly prominent attitude of responsibility towards one's own health and wellness.

No longer are people solely relying on doctors or hospitals to make them better if they get sick. Instead, the approach has changed to one of illness prevention, to maintain or improve the state of health that already exists. The incredible boom in the health industry overall bears witness to these trends.

The importance of health and wellness is reflected by the fact that diets, weight loss programs, exercise programs and equipment, fitness facilities, spas, nutritional supplements and activity/leisure groups of all sorts are now commonplace in our everyday lives. Some of these changes are driven by the extreme demands and long waits for treatment in the health care system, but also by the desire of the working generation for a more active lifestyle after retirement, with the hope of being fit and well enough to participate in their chosen activities. For these goals to manifest into reality the base of good health must be built up throughout life, not just to try to repair the damage after it's been done.

So it has become clear why the health industry has turned in its present direction. Only by placing the importance of health and wellness as a priority now can anyone make the most of their future.