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.

Wednesday, April 8, 2015

Medical Coding - Introduction and Importance

The medical industry is growing extremely. As it grows, increases the demand of medical services. Medical services are very much required to run the medical practice smoothly. Medical coding is one of highly required services among the other services. Without this, doctors can't get reimbursement from insurance companies.

Medical coding is a process of assigning standardized code to the patient's diagnostic and procedural information. This coding is used to generate accurate billing for insurance companies or government organizations. This medical coding process requires great attention to each and every detail to ensure accuracy. Because it is related to thousands of dollars, coding is highly synchronized and strongly controlled activity.

Certified medical coder is doing such type of coding very swiftly with more accuracy. They help the healthcare practitioner for health record documentation. They play vital role in healthcare information system.

Here are some points that show importance of medical coding.

Universal Acceptance: Medical coding is required because it contains so much information about medical procedures and medications on which the rates can be decided. Coding is now universal standardized and required to claim for reimbursement.

Accurate Billing: Wrong coding leads you to the wrong medical billing that will result into wrong charged amount. So it is very important that professional coder will do the coding. They will offer you accurate coding and on that basis billing specialist generates accurate bill.

Quick Reimbursement: Quick reimbursement is the need for every medical practitioner to maintain the good financial condition. Without accurate and prompt coding, no practitioner gets the reimbursement. This situation increases the financial disabilities. At the end, only debt remains. To avoid such situation, you can hire a good coding company/coder who manages you coding requirement and deliver the accurate and prompt result.

That's how important medical coding is. It is base and most important step for every medical practitioner to get the reimbursement from insurance company or government organization.

Friday, April 3, 2015

Wireless Medical IT Bringing Health Care to the Bedside

It was very common over the years for a hospital or extended care facility patient to suffer the worsening of a condition due to record-keeping errors that would give the wrong treatment. Some people who have spent several weeks in hospital may have felt slightly uneasy during the night shift when robotic attendants and nurses seem indifferent when administering medication or taking blood. There would be many possible mix-ups that could cost (and have cost) a patient's life. Mercifully, the digital solutions available today provide greater accuracy in scheduling medication doses and times.

There have been countless improvements in hospitals, clinics, and long-term health care facilities that have extended the duration and quality of our lives. Computer networks can keep track of patient care as well as administration; specially-designed hardware assists doctors and nurses to access data anywhere throughout the facility.

Wireless mobile devices have brought a level of efficiency to the workflow in hospitals, clinics, and long term health care facilities. Accuracy of patient records has improved greatly and lessened the number of incorrect operations that were commonplace decades ago. Almost everyone has seen a newspaper story about the wrong organ being removed or a patient getting another patient's operation due to a mix-up. It stands to reason that the hectic environment of a hospital would be an easy place for confusion to reign supreme because of human error. Technology now exists so that an identifying bar code can be placed on the area in question to guide the surgeon.

The medication administration record (MAR) in many long-term health care facilities are still being written manually for each medication administration event for each resident. Misinterpretation of some scribbled notes could result in a dosage mistake or getting the medication totally wrong if the patient is mistaken for someone else in a different bed.

Medical software developers offer customized solutions for hospitals, clinics, dentist offices, and long-term heath care facilities to administer their entire operation in one package capable of cross-referencing data to coordinate all functions. Being mobile with laptop carts throughout the wards saves going back and forth from a centralized station. Laptop kiosks are used in some hospitals to shorten distances walked by attending health care staff.

Laptop carts for wireless access to the eMAR (electronic medication administration record) program are free and mobile so that time round the ward is more efficient and accurate. There are also med carts for the transportation of liquids, supplies, and medicines that can be locked for storage.

The same modern technology - both medical software and medical IT hardware - that is experiencing success in acute care facilities can be just as beneficial, if not more so, in long-term care facilities where residents need even more frequent med passes, treatments, and attention from nursing staff. It makes financial sense to acquire the IT accessories, laptop mounts, and EMR software needed for the extended care facility because the increased efficiency will reduce work hours for overburdened staff and provide better morale for everyone from the administration office to the worried sick patient peeking out nervously from under the sheets.

Monday, March 30, 2015

The Difference Between Cosmetic, Medical, and Surgical Dermatology

In the broadest sense, dermatology is the study and treatment of skin. However, not all dermatologists specialize in the same areas, nor do patients all need to go to a general dermatologist for the best results. The three major types of dermatology are considered to be cosmetic dermatology, medical dermatology and surgical dermatology. This article will seek to define each of the three types and explain what kind of work each type of dermatologist might practice every day.

Cosmetic Dermatology: This type of dermatology deals primarily with the aesthetic side of skin. Rather than delving into skin care for medical reasons like skin cancer or rashes, cosmetic dermatologists are focused on how the skin looks. Patients often go to cosmetic dermatologists to get rid of unsightly blemishes, uneven skin tone or anti aging remedies. Generally, these procedures are not covered by average health insurance policies as they are not medically necessary. However, for many people seeing a cosmetic dermatologist can greatly increase their quality of life.

Medical Dermatology: This branch of dermatology is perhaps the opposite of cosmetic dermatology. While appearance may play a small role in the field of study, the primary reasons to go to a dermatologist are because of medical conditions which manifest themselves in the skin, such as skin cancer or lupus. Medical dermatologists may also deal with patients who have rosacea, sun damage, painful rashes and more. Because this type of dermatologist treats valid medical problems, health insurance should cover the majority of costs for patients. It is often recommended for people to visit a medical dermatologist regularly even if there are no obvious problems in order to check for increased risks of skin cancer.

Surgical Dermatology: Just as the name implies, surgical dermatology refers to the treatment of skin conditions through the use of surgical methods. In some cases the surgery may be entirely for cosmetic purposes, and so it will overlap with cosmetic dermatology. This applies to surgeries like facelifts or hairline restructuring, which can be performed in some cases by dermatologists rather than plastic surgeons. It is much more common, however, for surgical dermatology to refer to the treatment of skin cancer through Mohs surgery. Mohs is a recent surgical development that can treat skin cancer with very high success rates, and requires a dermatologist to be specially trained in the technology.

Although cosmetic dermatology, medical dermatology and surgical dermatology are all distinct, different practices, they often overlap in treatment. A woman who visits her dermatologist for treatment for a painful rash, for examples, might need both medical and cosmetic help to reduce the pain and eliminate the unsightly skin condition at the same time.

Thursday, March 26, 2015

A Reputable Weight Loss Clinic Focuses on Health and Individual Needs

In your search for a good weight loss clinic, it's likely that you have come across several options; from medical and surgical to non-medical and non-surgical. You may have also come across terms such as center or program while looking for a clinic. No matter what the terminology, you are seeking guidance by professionals in your desire to lose weight - so beware, and research any possible options thoroughly before signing up.

There are a host of services you may find when looking for the best weight loss clinic. Some offer medical supervision and nutritionists that help monitor your health and provide guidance in regards to nutrition and healthy eating for your own individual needs. Others suggest dietary supplements and prepackaged meals, while still others actually do procedures such as the lap-band surgery. Keep in mind your current weight and how much you want to lose when search for a weight loss clinic, as some will be more targeted to your needs than others.

Those who are severely overweight may want to consider a surgical procedure such as the lap-band surgery in order to lose weight at a faster pace. For those desiring to lose 30 or 40 pounds, a weight loss clinic offering both dietary supplements and prepackaged meals may be in order; many people find it easier to stay on their diet when the foods are prepared for them, and there is no calorie counting or cooking to worry about. Still, the weight loss clinic offering a comprehensive approach seems to be the most effective, and results are often long-lasting; many people find that they are able to lose weight successfully, and keep it off for life.

What happens in this type of weight loss clinic? Often, seminars and classes are conducted by professionals to guide those who need to lose weight in making life-changing choices. There are often nutritionists, dieticians and even a physiologist on staff that help individuals learn how to eat healthy, how to prepare meals in a healthy way, and which exercises would be most effective for their particular situation. These clinics often have everything you need on site, from fitness equipment and medical monitoring to physicians capable of prescribing medication if needed.

Occasionally, a weight loss clinic may even staff a psychologist for support, which makes sense when you think about it. The human mind has everything to do with how successful we are in achieving any goal; attitude, motivation and willpower all begin in the brain, and all are necessary to be successful in your weight loss efforts. When you have an entire team of professionals dedicated to helping you achieve your goals in losing weight, the odds are much greater that you will succeed - and that the healthy changes will "stick" for life.

It's really totally up to the individual which type is best for their needs; however, those who desire a thorough, comprehensive approach and who have had little success with other programs need extra support and assistance in reaching their goals. For many, having an entire support "network" makes all the difference in the success they experience - this is why you should carefully consider all of the weight loss clinic options available before you jump in and make a hasty decision you may regret later.