Tuesday, September 28, 2010

Healthcare Recovery for the Gulf Coast

A recent article in the USA Today stated that there was a 47% rise in deaths in the Gulf Coast states within the impact area of Hurricane Katrina as a result of the loss of healthcare professionals in those areas. Healthcare professionals displaced by Hurricane Katrina, many laboring under the burden of student loan repayments and the daily financial needs of life assimilated themselves into their new home community as they landed in cities and towns across the United States.

Now that the cities of the Gulf Coast are rebuilding they are discovering that these healthcare professionals are not rushing home to the Gulf Coast.

Startup cost for a private medical practice vary between $100,000 and $200,000 for rent, business insurance, malpractice insurance, equipment, supplies, information systems, computers and simple office decorations. Most of the healthcare providers in the Gulf Coast region lost well-established practices and if they were insured at all they used the funds from those insurance payments to begin again in their new communities. Unfortunately, healthcare practices in 2007 have little resale value; particularly, when only one or two years old. Even if these professionals were inclined to move back to the Gulf Coast region, they face significant financial hardship in accomplishing that feat.

Add to this the lack of meaningful business recovery and a decline in the number of insured patients in many of these regions. The sad facts are that employment statistics and new business starts in the areas most affected by Hurricane Katrina are well below national averages. Healthcare providers, now comfortable in their new homes, find little inducement to assume the responsibilities, liabilities and hardships of returning to their former practices and even when they do often find that their former patients have yet to return as well.

Physicians are not the only individuals affected in this fashion. Hospitals that have already reopened in the Gulf Coast region are finding it more difficult to recruit nurses in a nation where there are already nursing shortages. Even when temporary staffing agencies provide nurses, known as travelers in the industry, to the Gulf Coast region to fulfill short-term contracts, most of these nurses decline the opportunity to extend their stay, take full-time positions, or return at a future date.

Much of the problem is that as healthcare has moved from the individual private doctor and the small community hospital to large corporate enterprise, it severed its relationships with its healthcare professionals seeing them more as expendable drones and less as a necessary and valued part of the healthcare delivery system.

Healthcare professionals regularly find themselves mandated to choose between maximizing patient flow and maximizing patient safety. They are often forced to forego important family events under threat of suspension, retaliation or termination. When the healthcare professional finds a home where they can achieve a level of work/life balance, it is difficult if not impossible to dislodge them again. It took a hurricane to dislodge these professionals from the Gulf Coast and nothing short of another force of nature, perhaps this one favorable, will move them back.




Dr. Maurice A. Ramirez is co-founder of Disaster Life Support of North America, Inc., a national provider of Disaster Preparation, Planning, Response and Recovery education. Through his consulting firm High Alert, LLC., he serves on expert panels for pandemic preparedness and healthcare surge planning with Congressional and Cabinet Members. Board certified in multiple medical specialties, Dr. Ramirez is Founding Chairperson of the American Board of Disaster Medicine and a Senior Physician-Federal Medical Officer for the Department of Homeland Security. Cited in 24 textbooks with numerous published articles, he is co-creator of C5RITICAL and author of Mastery Against Adversity. Dr. Ramirez invites comments at: http://www.disaster-blog.com

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Sunday, September 26, 2010

Review Canker-Rid®

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This product is absolutely amazing! I have tried many products such as mouth wash, over the counter items that contain benzocaine to numb canker sores, prescription mouth wash, Avamins, and Canker Melts. None of them worked the way I wanted (fast and long lasting). This product works immediately to relieve pain and speeds healing. I get canker sores on my tongue and can sometimes hardly talk but all I have to do is apply this in the morning and I am good the rest of the day. I usually brush after applying because it leaves a brown residue on the teeth sometimes. This is a must buy if you have canker sores trust me. I wish I knew about this product years ago.


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*** Product Information and Prices Stored: Sep 26, 2010 21:46:05

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Friday, September 24, 2010

How Does Health Insurance Work?

There are lots of different kinds of health insurance. Plan that cover medical services and prescription medicines, plans that cover dental expenses, disability insurance that replaces income lost due to extended illness or injury, long-term care, and so on. In the United States, people typically refer to the plans that cover medical expenses as "health insurance", and these plans are usually bought by employers and offered to employees as part of their compensation, or "benefits".

Health insurance plans are usually sold once, then renewed on an annual basis. So when a consumer buys health insurance (either directly or through an employer), the insurer agrees to pay for health expenses as long as the premiums are paid on time and the account is in good standing.

Health insurance plans come in two flavors: "Fee-for-Service" or "Managed Care". Both types of insurance cover major medical, surgical and hospital expenses, and are often referred to as "major medical plans". Fee-for-service plans pay the medical service provider a fee for each service provided to a patient, and that patient can usually go see whatever health care provider they wish. Managed care plans, on the other hand, pre-pay contracted providers for each member's coverage in advance. Members are offered a financial incentive to use providers who belong to the plan.

Here are a few common terms that you'll probably run into:

Deductible: This is the amount you must pay out-of-pocket before the insurer will pay anything. Deductibles can vary widely, ranging from $0 to a few thousand dollars.

Co-insurance amount: This is the percentage of your medical expenses you must pay after you reach your deductible. This will typically range from 10-30%.

Maximum out-of-pocket amount: This is maximum amount you are required to pay in a given year, after which the insurer will pay 100% of the cost of covered medical expenses.

Covered benefits: Types of medical services the insurer will pay for.

Exclusions: Types of medical services the insurer will not pay for.

Its true: there's a lot of jargon, and plans are difficult to evaluate and compare. But it's important, and worth your time. Carefully review plan descriptions, and take your time to understand the coverage of any plan you're currently under - or considering purchasing.




Kurt Stammberger is VP, Marketing at Healthia Inc. Healthia provides integrated comparison-shopping information on group health insurance and small business insurance plans [http://www.healthia.com], free tips and advice for selecting the best plans that suit your needs.

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