Archive for the ‘alternative health plans’ Category

Healthcare Bill Passes

March 22nd, 2010 by Iris | Comments Off | Filed in alternative health plans, health insurance

Late Sunday night, the United States House of Representatives passed the much-debated healthcare reform bill in a 219-212 vote, with all the Republicans, and thirty-four Democrats, voting against its passage. The bill, which instigates the most dramatic changes to our healthcare system in four decades, now goes to President Obama for his signature, which will turn it into law. It has already been approved by the Senate.

Changes provided by the healthcare reform bill include the extension of health coverage to 32 million previously-uninsured Americans, as well as the imposition of new strictures and taxes on the insurance industry. One crucial change is that insurers will no longer be permitted to deny coverage to people with pre-existing medical conditions.

The vote was the culmination of many battles between Democrats and Republicans, which had taken over Congress during the last year, and resulted in downticks in President Obama’s approval ratings.

Speaking from the White House after the vote, President Obama said, “Tonight, at a time when the pundits said it was no longer possible, we rose above the weight of our politics.”

He also said, “This legislation will not fix everything that ails our healthcare system, but it moves us decisively in the right direction. This is what change looks like.”

The $940 billion bill has been widely criticized by Republican critics who believe it to be an intrusion in the healthcare sector, and that it will increase the deficit, and reduce patients’ choices.

Reuters is reporting that many states are already filing lawsuits to challenge the new insurance law, and it is likely that healthcare will continue to be a major issue in the campaign season leading to midterm Congressional elections in November.

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Company Wellness Programs: They’re Not Just for the Big Guys Anymore

March 16th, 2010 by Iris | Comments Off | Filed in alternative health plans, health insurance

It’s no secret that large corporations have been cutting costs by encouraging employees to use on-site, in-house wellness programs, some replete with healthy dining facilities and gymnasiums. But the Insurance Journal is reporting that wellness programs aren’t just for big companies any more. In fact, two Illinois-based medium-sized businesses, Mechanical Devices, Co. (Bloomington) and the Town of Normal have implemented wellness programs of their own, and are finding that their employees are happier – and healthier – as a result.

Linda Fillingham, co-owner and office manager of the 250-employee Mechanical Devices, Co., thought screenings would be a good way to dispense health information to her staffers, and also motivate improvements where they were needed. In 2005, she contacted OSF St. Joseph Medical Center’s Center for Healthy Lifestyles, and the screenings were subsequently held in the employee lunchroom, at her company’s expense.

Of the program, Linda said, smiling, “”It was voluntary but I had to twist some arms. We had close to 80 percent participation.” She added, “It’s totally private. I don’t see individual numbers, just overall numbers.” But she is aware that some people had results that were not what they expected. “It forces people to think about their body. And without a healthy body, you don’t perform as well on the job and don’t perform as well anywhere in life.”

One such employee was Richard Hetherington of Bloomington, who told the Insurance Journal, “I hadn’t been to a doctor in a long time because I felt fine,” he said. But after his screening results showed he had high blood pressure and cholesterol and was on the verge of being diabetic, he made changes like beginning a blood pressure medicine regimen, eating less, and reducing carbohydrates and sodium. Within weeks, he had lost 30 pounds and was able to manage his blood pressure without medicine, reduce his cholesterol and keep his pre-diabetes under control.

Today, Hetherington, who is now 65 years old, continues to control his weight and blood pressure by watching what he eats, riding his bike when the weather allows, and lifting weights when he gets home from work. Of his current health, he said, “I just feel better.”

In addition to annual health screenings, Mechanical Devices also offered smoking cessation classes as part of the company’s preparation to go smoke-free two years ago. “I got 10 to 15 (employees) to stop smoking and everyone else (other smokers) reduced smoking,” Fillingham said.

Quality control employee Jackie Felts joined the eight-week anti-smoking program in January 2007, and, after a plan that included weekly meetings, counseling, advice, and a nicotine patch, finally quit on February 13, 2007.

46-year-old Bloomington resident Felts said, “I feel 100 percent better. I have more energy, I can breathe better, I can do more stuff, I don’t get out of breath. But without the program being offered here, I probably wouldn’t have done it.”

Fillingham added that while the program does cost the company money, she believes that when there are fewer employees having heart attacks and other expensive medical problems there will be savings. “Employees who feel good about themselves do well for you,” she said. “They are your most valuable asset.”

Similarly, the Town of Normal also began offering occasional health and wellness programs for employees several years ago, but according to Geoff Fruin, assistant to the city manager, “…it was a hands-off approach. We presented opportunities to employees but they weren’t changing the workplace culture and keeping the wellness perspective in front of employees. “The employees were wanting more,” he recalled. “And from the town perspective, we want to employ a happy, healthy, productive work force.”

Town officials went to Advocate BroMenn (then known as BroMenn Healthcare) and agreed to a pilot program whereby, beginning in September, 2006, Marcy Kaufman of BroMenn would be the town’s on-site wellness specialist 20 hours a week.

Kaufman now offers health screenings at several town locations, including City Hall, the fire stations, parks and recreation and public works. In addition exercise classes, fitness equipment orientations, lunch-and-learn presentations on topics like improving nutrition and back-safety, are also offered, and employees can sign up to receive emailed newsletters with health tips.

Kaufam is also in charge of fitness incentive programs, such as last summers “Get Fit on 66″ in which employees participating in various wellness activities earned rewards like water bottles, gift cards, t-shirts, and pedometers.

Fruin shared that 213 of the 370 full-time town employees participated in at least one wellness program last year, and that the participation rate continues to increase. An annual survey of employees includes testimonials about weight loss, blood pressure being under control, and cholesterol being reduced, as well as overall healthier eating and exercise habits.

“That is rewarding. We are seeing the beginnings of a culture change here,” Fruin said.

In fact, the town of Normal may already be experiencing a financial benefit.

In 2006, the average increase in health insurance claims for the town was 14.2 percent, against a national average of only 7.9 percent. In 2008 – the most recent year for which data is available – the town’s increase was only 1.3 percent, while the national average was 8.9 percent.

“We think the program played a significant role in helping us reduce the claims’ increase,” Fruin said. “For every dollar we invested in wellness in the first two years of the program, we realized a $4.50 benefit due to a reduction in claims.”

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No Dental Insurance? Consider a Dental School Clinic

February 3rd, 2010 by admin | 1 Comment | Filed in advice and how-tos, alternative health plans, dental insurance

Whether or not health insurance reform is ever actually passed, the reality is that there are some kinds of coverage that often fall through the cracks. Smaller businesses may offer health insurance, but not vision or dental coverage, and some communities don’t have a low cost dental insurance option. What do you do, then, if you have a dental emergency, or are trying to avoid one?

According to an article that ran in the New York Times last autumn, one solution may be to visit your local community college, college, or university – any one that has a dental school – because almost every dental school in the country offers affordable care provided by students, and supervised by experienced, qualified teachers. The quality of care is excellent, and the cost may be as little as a third of what your actual dentist would charge.

As an example, a young mother in Portland, Maine, took two children to a pediatric dentist for checkups. After receiving a bill for $375, she realized there had to be another choice. She ended up going to the University of New England’s dental college clinic, where the bill for her children’s next round of checkups totaled only $100.

Low prices aside, there are some downsides to going to a dental clinic.

They include:

  • Time. A procedure that takes 45 minutes in a normal dentist’s office could take up to three hours at a college clinic.
  • Scope of Care. Because the practioners are students, some states don’t allow them to actually diagnose problems, or treat anything that requires anesthetic. Instead, they’ll provide you with a report listing any “suspicious areas.”

Knowing that, are dental college clinics still worth it? If you typically have clean checkups, and merely want to be sure nothings wrong, or if you just want a cleaning, college clinics are an excellent option.

If you have trouble finding a dental clinic in your area, you can seek help from Oral Health America (oralhealthamerica.org or 312-836-9900).

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Faith Based Insurance? Be Careful

January 27th, 2010 by admin | Comments Off | Filed in advice and how-tos, alternative health plans

At a time when many eyes and ears are focused on Washington, D.C. and a final (at least for now) verdict on health care reform, hundreds of thousands of evangelical Christians are choosing another alternative. It’s called a faith-based health plan and while it can save you money on major medical expenses, there are a few things you should know.

As reported by ABC News last September, if you belong to a Christian health plan, members cover each other’s major medical bills via monthly donations to the plan, and they must donate even if they never set foot in a doctor’s office in a given month.

To join, you must be an evangelical Christian who goes to church, and you must promise not to smoke, drink heavily, or have sex outside of marriage, and you must be approved by your minister or pastor.

The catch is that there are no guarantees that your medical bills will be paid, because these plans are not regulated by the government, and technically, they’re also not insurance. ABC’s reporters discovered that some of these plan advisors have spent members’ money on cars, houses, and travel, while others, since they are operated on a cash-flow basis, can only pay out based on whatever cash is on hand.

Finally, there are the other caveats: faith based health plans generally don’t cover contraceptives, do not cover abortion (even if it’s medically necessary) and often won’t cover AIDS treatment, even though AIDS can be, and often is, contracted by heterosexual patients.

The bottom line? Join all the prayer circles you want, find another way to donate to your church and be involved in your faith community, and if you think you’re likely to have major medical expenses, stick with conventional insurance.

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