The American health care system is one of the most talked about issues surrounding the upcoming 2008 presidential elections. Both Democratic and Republican candidates have outlined new health care plans that may have a drastic impact on how many voters choose to cast their ballots.The current economic recession has lead to financial trouble for many American families. With the cost of health care services and pharmaceuticals on the rise, this means some people are not able to afford the health care they need. Thousands of Americans, including children, are currently without any type of health care coverage.The presidential candidates have each outlined plans for health care reform that should address this issue. Democratic candidates Hillary Clinton and Barack Obama are lobbying for a more universal health care system supported by the government. Republican candidate John McCain supports the privatization of the American Health Care System.Research estimates 80 percent of healthcare spending is used by the sickest 20 percent of patients. This uneven distribution of funds can be adjusted if patients are given proper care at the start of their treatment to prevent the worsening of their conditions and the need for readmission to care facilities.Some companies are already helping to alleviate some of the burden of health care costs from Americans, regardless of the election outcome. Health care services provider, McKesson has recently introduced new programs intended to combat unnecessary health spending through prevention and thorough care.Community Care Advantage helps hospitals and other provider-based organizations provide high-quality care to indigent, chronically ill and newly discharged patients in a timely manner. This offering comprises three solutions that help to address preventable readmissions that cost Medicare $12 billion each year.Community Health Services, Community Health Technologies and Consumer Convenience Solutions work together to ensure all patients have access to the high-quality care they need following initial treatment. Through these programs McKesson facilitates the monitoring of recently released patients and provides them and their caregivers with access to information about their condition and treatments, improving patient safety. Community Care Advantage empowers both patients and providers to follow treatment plans for proper condition management.Patients are being effectively cared for and health care costs are being reduced thanks to community care programs. While health care reform may be getting considerable attention to its political relevance, these solutions are already beginning to improve the heath care situation.
The early nineteenth century witnessed the initial stages of the home health care industry that offered qualified nurses to take care of the poor and sick in their homes. In 1909 when Metropolitan Life Insurance Company started to write policies that comprised of home health care, this industry became very popular. This company is credited for paying the first compensation for home health care industry. This gave rise to the birth of organized home health care.The Great Depression in 1929 caused several businesses along with home care industry a lot of hindrances and struggle. This went on till the follow-up visits made by nurses after hospital discharge became reimbursable by the Medicare Act of 1966. The home care industry became most feasible and practical when Medicare in an attempt to reduce hospitalization costs set up DRG’s program (Diagnostic Related Group). This laid down that some disease or hospital practice needed a certain stay period. So the discharged patients were more sick compared to their DRG counterparts.The story does not finish with DRGs. This in fact was the commencement of patient care vs. medical ethics debate. This subject shall be soon addressed in the present health care reform segment. The price of health care is the issue. Questions like how much does a human life cost and how long one should pay for keeping alive a person after he ceases to be a contributor to the society need to be addressed.Home health care industry needs to answer these questions. The main intention of the DRG programs was to cut down the hospital stay in order to lower hospitalization costs. Thus this becomes a challenge to the agencies. But gradually home care started becoming expensive. The Balanced Budge Act of 1997 hand one major side effect. It limited the benefit days to the patients under home health care thereby lowering the compensations to the various home health care agencies. This resulted in many of these agencies going out of business.The price to take care of a patient will always stay an issue. There was a growth of nosocomial diseases in hospitals that lead to heavy health care costs. Patients started getting discharged in a much sicker condition than before. This put additional burden on the family of the patient to make available good care once the family member is home. Also majority of the people were working. Home health care agencies that provide services were unable to discharge patients when they exceed their Medicare days if they are in a bad condition or its not safe to depart from them without any nursing services.In case the home care agency declines admission of a patient who seems sicker than the number of reimbursement days allowed by the government, the patients’ family does not have too many choices. In case of the patient being discharged without any adequate follow-up care, the patients’ family can seek services of a qualified agency that could strain on emergency room visits and re-hospitalization leading to more compensation issues. Such questions are difficult to answer more so in cases where cost is to be taken care of. But, as time passes, such questions will continue to haunt till there are satisfactory answers to them.
Typically, alternative medicine differs from traditional medicine in that alternative medicine is older and what we might call unconventional or non-Western medicine. Alternative medicine does not follow the traditional science and research that current medicines undergo. Alternative medicine could also be termed complementary or traditional medicine or the therapies that can be integrated into current medicine. The staff of the National Library of Medicine of the United States classified alternative medicine under the category of complementary therapies in their Medical Subjects Heading Section. This was done in the year 2002. The definition provided was that alternative medicine therapeutic practices were not considered as an integral part of the traditional allopathic medicine. Therapies like acupuncture, dieting, physical therapy like exercises or yoga, etc. are termed as alternative medicine. These therapies are called complementary when they are used along with conventional treatments. If they are done in place of conventional treatments, they are known as alternative treatments.In April 1995, the panel of National Institutes of Health, Bethesda, Maryland, worked on Definition & Description, CAM Research Methodology Conference, Office of Alternative Medicine. The panel defined alternative medicine and complementary medicine as those healing resources that encompass all health systems and practices that are different from the dominant health system of a particular society or culture. Usually, therapies like ayurveda, herbal medicine, folk medicine, homeopathy, acupuncture, naturopathy, diet practices, chiropractic, music therapy, massage, pranic healing, etc. are classified as alternative or complementary medicine. People who do not find a cure, remedy or success in allopathic medicine generally try alternative medicine. Such people generally suffer from cancer, arthritis, acquired immuno deficiency syndrome (AIDS), chronic back pain, etc. Therapies included under alternative medicine would cease to be included in that category once their efficacy is proven and they are considered safe and effective. They are then considered as part of traditional medicine. An example would be chiropractors. Twenty years ago insurance would not pay for them as they were considered “alternative and ineffective.” Today thousands of people have been helped by chiropractors and they are now recognized in the medical community. A similar movement is underway in the nutritional supplement and nutraceutical industry.Over the years, more and more people have been using alternative medicine because traditional medicine is not working for them. The 2004 survey by the National Center for Complementary & Alternative Medicine of the United States revealed that approximately 36% of Americans used alternative medicine in 2002. If alternative medicine is used in conjunction with traditional allopathic medicine, an integrative doctor is a person’s best option. Some traditional doctors are adamantly against or simply do not believe in complementary medicine, even though research continues to show the benefits of many compounds. Your doctor should be informed about other approaches you may be using and if they are not comfortable with that then always feel free to choose another doctor. This would enable the doctor to foresee any possible complications or a better time in which to use a complementary therapy. The concern in using alternative medicine stems from the fact that some practitioners of alternative medicine do not have an accredited medical degree and therefore do not have a valid medical license. However, in recent times, many educational institutions and universities have started offering courses in homeopathy, ayurveda, siddha, unani, acupuncture, and naturopathy. The recent growth in this industry is evident by the many people demanding different, and in some cases better, care than what they are receiving in “modern medicine.” They are no longer accepting the fact that they need to suffer with pain or illness because modern pharmacy does not have a magic bullet for them.
What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.
If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:
How much assistance do you actually require?
Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.
Choose a top ranked advisory company
It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.
Asking for a sample financial plan initially makes sense
When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.
The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.
Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.