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Can you ever question why various vehicles cost you various amounts for car insurance premiums? Exactly why is it that a new Corvette might cost you $1,600 dollars per month in car insurance and an older Buick Regal might only cost you $90 each month? The brand new vehicle insurance price versus the previous vehicle insurance price is really a matter that you have to evaluation before you decide any car. Review insurance expenses before you decide and you will not get caught in a financial trap. New vehicles price more to guarantee than previous vehicles for three reasons. First, a car theft of a fresh and spectacular vehicle expenses a whole lot more compared to car theft of an older and average fashion car. This is due to the big value big difference of the new vehicle versus previous car. As an example, a fresh Chevy Caprice is significantly more pricey to guarantee than an older Chevy Caprice. It simply expenses more money to displace a fresh, costly vehicle than an older, less expensive car. Second, the fee to fix a fresh vehicle is significantly a lot more than the fee to fix a classic car. As a result, this fact will also increase your insurance premium price for a fresh car. As an example, in case a new Chevy Caprice is broken in an incident, the car repair center may charge you much more money for fixes than if the subject vehicle were a ten-year previous Chevy Caprice. Because of this, your insurer may charge you a whole lot more insurance premiums on a fresh vehicle than an older vehicle because of such fix costs. Third, the fashion and kind of vehicle also will considerably affect the cost of car insurance premiums that your vehicle insurance company may charge you. Insurance businesses use actuarial statistic platforms which suggest to them days gone by loss knowledge on particular designs and forms of cars. They choose these platforms, to simply help calculate what premiums to charge their clients in the future. Statistical platforms display these insurance firms that homeowners of certain designs and forms of vehicles, such as for instance sports vehicles, participate in more risky driving conduct than homeowners of vehicles which are of average form and style. As an example, insurance company mathematical platforms show that the insurer has experienced more failures with sports vehicles than with average cars. It is because who owns a Corvette will likely get such vehicle faster and riskier than who owns a Toyota Camry. With such speed and chance also arrives more failures for the insurance companies. With such chance and loss increase, the insurance company should then increase their reunite and charge more for car insurance premiums. Another exemplory case of how the kind and design of vehicle might present an insurance company with an increase of chance may be the off-road fashion cars like the Hummer distinct vehicles. These cars are created to accomplish in the off-road form environment. They’re elevated up off the floor a lot more than typical automobiles at under carriage clearance. Furthermore, they also have four-wheel get capability. With such style capabilities, the mathematical platforms show that the insurance company has experienced more failures with these types of vehicles than typical cars. The reason being the homeowners of such cars may participate in off-road driving which is equally risky to the automobile and driver. In fact, some insurance businesses might club healing for such problems, when who owns the covered vehicle was broken while any engaging in risky, off-road driving. Again, with an increase of chance, the insurance company increase reunite and hence Car insurance premiums. Given that you realize that certain designs and forms of vehicles price more to guarantee than the others, you have to be clever about what kind of vehicle you are going to buy. Rather than take a guess at that which you think a vehicle’s insurance expenses are, contact your car or truck insurance company and question your insurance representative for a totally free vehicle insurance estimate for the exact kind of vehicle that you are thinking about buying. You may get a definitive reply to your issue of whether or not you can afford equally the vehicle and the insurance premiums required to protect your car or truck against covered losses. The full time to produce such review isn’t after you buy a vehicle. When this occurs in time, it is also late. The full time to produce such review is way before your purchasing an automobile. You actually desire to be able to produce equally vehicle funds along with insurance premium payments. Get a totally free car insurance estimate beforehand and prevent economic problems.
The public has become more armed against the threats of identity theft. While identity thieves can steal individuals’ money, ruin their good credit and cause years of aggravation and stress, an alternative form of identity theft, medical identity theft, can actually threaten lives. Medical identity thieves steal and misuse other people’s personal information including their name and insurance card account numbers without the person’s consent and usually without their knowledge. The Scary Truth about Medical Identity Theft Your medical and insurance records follow you and when false information is added to your medical records, you can be at risk when you are treated in the future. Doctors may make decisions about your treatment and medications based on a fictitious medical history and this can put your health at risk. Not to mention that the insurance companies will have noted false “pre-existing conditions.” As more and more medical communities rely on electronic records, the information is more likely to follow you on a larger scale and some believe this trend makes it easier more medical records to be compromised. What can a thief do with your medical identity? Medical identity thieves may use other people’s information to obtain medical care, prescription items or to make fraudulent medical claims. A medical identity thief without insurance who wants a surgery or prescription drugs can use your information, get what they want and leave knowing you and your insurance company will get the bills. Some medical identity thieves are motivated purely by money. Thieves can collect large amounts of money, even millions of dollars, by making these false medical claims. Don’t Ignore a Medical Billing or Insurance Statements Don’t assume a medical bill or insurance statement for services you didn’t get is just a mistake. It could be the first sign that someone has stolen your medical identity. Joe Ryan, a Colorado resident, got a hospital bill for over $40,000 for surgeries and treatments he never received. This wasn’t a billing error. An ex-con had used Ryan’s medical identity to check into the hospital and obtain extensive medical care. Two years later, Ryan was still trying to undo the damage to his medical records. You may not learn about a medical identity theft from a bill. Brandon Reagan, who stationed in California, learned that his medical identity had been stolen and used in South Carolina when his mother called and told him he was the lead suspect in a car theft. Reagan had lost his wallet in South Carolina and a thief used his military i.d. and license to test drive cars and then steal them. In addition to getting Ryan on a wanted list, the thief also used Ryan’s medical identity to go the hospital on several occasions to get treatment for injuries and kidney stones. The medical bills were close to $20,000. Even though the identity thief was finally arrested, Reagan was left with a nightmare. His medical records in South Carolina were full of false information and his tax refund check was withheld due to the unpaid hospital bills still in his name. Sketchy Law and Statistics on Medical Identity Theft: Laws dealing with medical identity theft are still not thorough or consistent from state to state. Many Federal laws that were intended to protect confidentiality actually make it more difficult for you to access and correct your own medical records. Wide scale investigations into medical identity theft are just beginning but in 2005 there were over 8 million victims of identity theft and three percent, 249,000 of those involved medical identity theft. Pam Dixon, executive director of the World Privacy Forum warns, “Medical identity theft causes terrible harm, both financial and physical.” How can you protect yourself from medical identity theft? -Get a copy of your medical records for comparison in case they are compromised in the future. – Annually request a list of payments made for your medical services from your insurance company. -Review your Explanation of Benefits (EOB) as they are provided by your insurance carrier to determine their accuracy. -Check your credit report at least once a year for any unusual unpaid charges. -Research and report any suspicious medical bill or insurance statements.
Early in my mom’s tenure in assisted living, I noticed her monthly bill had a significant expense labeled as “medication management.” As someone who rarely takes any medication, I realized I needed to understand the process better. I’ll be dedicating several posts in near future to this topic, as I believe family involvement in medication management is critical. Medication is a Major Issue According to a 2006 study by the three leading non-profits – ACHA, NCAL and MEFC, medication is often a major component of an older person’s life, making it a major issue for assisted living facilities. The role of medication and medication assistance (called “medication management” by assisted living administrators) is surprising: 77.5% of residents needed assistance with medications Residents were taking an average of 13 medications In an assisted living setting, residents rely heavily on staff to assist with the timely and correct delivery of medication. But in the United States alone, nearly two million Americans experience adverse drug reactions from prescription medication each year. What can you do to protect your loved one? A better understanding of medication management can help. Where to Get Medications Families have several options for filling prescriptions on behalf of loved ones. They are: Mail order. Most health insurance and Medicare plans provide options for mail order delivery of medications. Prescriptions are usually filled in 90-day quantities. Price discounts are usually offered over that of pick-up or local pharmacies. Unfortunately, mail order makes urgent medications challenging. Pick-up. You guessed it?! You or a family member pick up prescriptions and deliver them to the facility. For a small number of medications, this may be feasible. But it doesn’t work for multiple prescriptions on multiple delivery schedules. Local pharmacy delivery. Prescriptions are filled and delivered by a local pharmacy 1-2 times daily. Since assisted living facilities usually contract with a single pharmacy, rush orders and other conveniences are widely available. I recommend this option for all but the most hands-on families. Introducing the Med Room So where do they store all that stuff? It’s called a “med room.” The med room is a restricted-entry office that holds all resident medication, dosage records and prescription histories. If you’re looking into assisted living for the first time, you should ask to see the med room. From an audit perspective, if you already have a loved on in assisted living, you should periodically ask to see the med room. Your goal in visiting the med room is to validate the following: Medication is stored in a well-organized manner like that seen in hospitals Files are well-organized and clutter is at a minimum The staff can quickly share with you your loved one’s medication and prescription history There is a supply of pudding or apple sauce for those residents that have trouble swallowing pills Contact information for your loved one’s doctors is readily available The door is kept locked (verified by staff unlocking the door when they let you in) Who Administers Medication Medications are provided to residents by a medical aide (called “med techs” by administrators). Med techs are responsible for the maintenance of the med room and for administering medications correctly and in a timely manner. Med techs typically lay out all medications on a labeled delivery tray and deliver medication to each room. Their role is to ensure residents take their medications, although they will often leave medications with caregivers, if they are present. In the unfortunate event of hospitalization, the med tech will also provide a copy of all current medications to paramedics or the individual taking your loved one to the hospital. Keeping Track of It All As a family member, you should stay well informed of the medications your loved one is taking. The dosage record is the easiest way to do this. A dosage record is kept for each patient and resembles the graph paper we all used in grade school. Along the left side of the page is a list of medications. Across the top are days of the month. Every time a medication is given, the med tech is required to sign the box corresponding to that medication and date. The best way to spot-check medication management is to randomly request copies of the dosage report. Secondarily, ask the staff to notify you when medications are added or discontinued, so that you have a real-time understand of the medications being consumed.
In June 2007, the American Medical Association (“AMA”) released a report entitled “Medical Travel Outside the U.S.,” that tried to explain why people are going abroad for medical care. According to the AMA, the primary reasons that Americans are traveling for treatment are the ever escalating-cost of healthcare and the lack of affordable health insurance. On June 16, 2008 the AMA re-entered the conversation with Guidelines on Medical Tourism. These guidelines address important issues of patient safety, transparency, financial incentives, after care, and legal liability. The AMA’s contributions to the medical travel industry at such an early stage is notable and important. Many American doctors strongly disapprove of patients who seek care abroad and few will agree to provide follow-up care for returning medical travelers. Those doctors are understandably concerned about incurring liability for another physician’s malpractice. Widespread resistance in the medical community led many to believe that the AMA would either ignore or actively oppose the development of the medical travel industry. Instead, most were surprised by the AMA’s desire to get out in front of the issue and announce guidelines that some view as a traveling patient’s bill or rights. As the health insurance industry and employers begin to explore the cost savings and benefits of medical travel, the AMA’s contributions promote patient safety and protection. The AMA has legitimized a nascent industry with only limited support from mainstream healthcare networks. Since the AMA entered the discourse, more and more health insurers are evaluating whether medical travel makes sense today, tomorrow or sometime soon. At this stage, AMA does not seem intent to stamp out medical travel. This may be due in part to the movement’s consumer-driven nature and the reality of restricted resources at home. Instead, the organization of medical professionals will propose model legislation to all states that protects patients who go abroad for treatment. 2. The Guidelines and Who Will be Impacted The AMA’s Guidelines on Medical Tourism are enumerated below. Each addresses important components of patient decision-making, safety, protection and recovery. a. Medical care outside of the U.S. must be voluntary. b. Financial incentives to travel outside the U.S. for medical care should not inappropriately limit the diagnostic and therapeutic alternatives that are offered to patients, or restrict treatment or referral options. c. Patients should only be referred for medical care to institutions that have been accredited by recognized international accrediting bodies (e.g., the Joint Commission International or the International Society for Quality in Health Care). d. Prior to travel, local follow-up care should be coordinated and financing should be arranged to ensure continuity of care when patients return from medical care outside the US. e. Coverage for travel outside the U.S. for medical care must include the costs of necessary follow-up care upon return to the U.S. f. Patients should be informed of their rights and legal recourse prior to agreeing to travel outside the U.S. for medical care. g. Access to physician licensing and outcome data, as well as facility accreditation and outcomes data, should be arranged for patients seeking medical care outside the U.S. h. The transfer of patient medical records to and from facilities outside the U.S. should be consistent with HIPAA guidelines. i. Patients choosing to travel outside the U.S. for medical care should be provided with information about the potential risks of combining surgical procedures with long flights and vacation activities. Generally, these guidelines appear to be directed to health insurers and employers incorporating foreign providers into healthcare plans and to a lesser extent medical travel experts coordinating the patient travel experience. The Guidelines seek to protect patients from being pressured by healthcare payers to accept lower quality care without recourse in the event of a bad outcome. The AMA repeatedly stresses the importance of informing patients of their rights and recourse, the hospital and doctor’s credentials, and potential risks associated with combining travel activities with surgical procedures. 3. Implementing Key Guidelines a. Patient Safety The majority of the AMA’s Guidelines are aimed and ensuring patient safety. The Guidelines call for treatment abroad to be voluntary and for financial incentives to not restrict treatment options. This measure is meant to avoid patient coercion and withholding important information about available alternatives. The AMA also requires that institutions treating patients be accredited by recognized international accreditation bodies. This rule tries to ensure that patients are treated in safe and clean facilities that meet international standards of patient care, infection control and hygiene. The AMA also requires that patients be informed of the risks of combining surgical procedures with travel activities. The Guideline’s proscription against transferring patient medical records in violation of HIPAA aims to reassure patients that their privacy rights will continue to be safeguarded abroad.
In these days of economic uncertainty, career change is a hot button issue. As baby boomers retire and leave the work force, employers are concerned about the shortage of skilled workers. In addition, corporate cost cutting, off-shoring, layoffs, and forced career changes leave many workers with difficult choices. Gone are the days of one job and one employer for life. Following a career path today can mean maneuvering many twists and turns, setbacks, side roads, and blind alleys. Where is the roadmap to a new career that provides enrichment, stability and growth potential? One of the best ways to ease some of the uncertainty and increase your marketability quotient is to broaden your skill set. Since continuing education is often required to maintain licenses and certifications, make those education hours do double duty. The right training can mean more opportunities in your current field, and serve as a stepping stone to a new career. But which industries offer the best chance for job stability and advancement? It is predicted that expanding healthcare and healthcare-related industries will require many additional skilled workers in the coming decade. According to Forbes Magazine, “As well-heeled baby boomers age, look to the health care industry… (B)etween 2004 and 2014, seven of the 10 fastest-growing jobs in the U.S. will be in health care.” In addition to careers directly involved in patient care, demand for support professionals such as medical records and health information technicians, therapists, counselors, and medical transcriptionists will increase. A basic requirement for entry into almost any healthcare-related career is a command of medical terminology. The ability to recognize, understand, spell, and pronounce basic medical terms, identify medical abbreviations, and decipher unfamiliar words using roots, suffixes and prefixes is a necessary tool to perform well in any medical setting. Medical terminology courses are widely available in online, home study and instructor-led formats. Because medical technology advances rapidly, medical terminology evolves to keep pace. To stay on top of new terminology, consider taking the course again if you’ve taken it in the past. The Department of Labor database lists seven nontraditional careers that require medical terminology: Medical Transcriptionists – To understand and accurately transcribe dictated reports, medical transcriptionists must understand medical terminology, anatomy and physiology, diagnostic procedures, pharmacology, and treatment assessments. They also must be able to translate medical jargon and abbreviations into their expanded forms. Medical Records and Health Information Technicians – In addition to general education, coursework requirements for medical records and health information technicians includes medical terminology, anatomy and physiology, legal aspects of health information, health data standards, coding and abstraction of data, statistics, database management, quality improvement methods, and computer science. Surgical Technologists – Surgical technologists receive their training in formal programs offered by community and junior colleges, vocational schools, universities, hospitals, and the military. In 2006, the Commission on Accreditation of Allied Health Education Programs (CAAHEP) recognized more than 400 accredited training programs. Programs last from 9 to 24 months and lead to a certificate, diploma, or associate degree. Programs provide classroom education and supervised clinical experience. Students take courses in anatomy, physiology, microbiology, pharmacology, professional ethics, and medical terminology. Other topics covered include the care and safety of patients during surgery, sterile techniques, and surgical procedures. Students also learn to sterilize instruments; prevent and control infection; and handle special drugs, solutions, supplies, and equipment. Most employers prefer to hire certified technologists. Occupational Therapist Assistants and Aides – There were 126 accredited occupational therapist assistant programs in 2007. The first year of study typically involves an introduction to health care, basic medical terminology, anatomy, and physiology. In the second year, courses are more rigorous and usually include occupational therapist courses in areas such as mental health, adult physical disabilities, gerontology, and pediatrics. Students also must complete 16 weeks of supervised fieldwork in a clinic or community setting.
Medical Transcription is the process of converting voice dictation (typically either cassette or digital format) into a permanent written record utilizing word processing equipment and software. Each day in hospitals all over the country, thousands of patients are admitted and discharged. Examinations are conducted, procedures are performed and recommendations are made. It is not uncommon for multiple physicians to be involved in a simple procedure for a single patient. Radiologists, Pathologists, Anesthesiologists, Surgeons, and a host of other medical specialists must all coordinate their efforts to ensure that patient care is both adequate and appropriate. Underpinning all of these activities is a complex web of medical and patient information. Each patient-related activity and procedure must be meticulously documented and then added to the patient’s permanent record. Physicians and medical record handlers alike must be extremely careful to ensure that detailed patient identification information accompanies each procedure and examination report to avert potentially disastrous mix-ups. Over time, all of this information accumulates in a centralized medical records repository where it serves as a critical resource for patient care – facilitating accurate diagnoses and appropriate treatments. Indeed, timely patient care often hinges on the ability of Radiology, Pathology, and other specialty departments to quickly conduct their examinations and report their findings. Evolution and History of Medical Transcription In the past, patient medical charts consisted of a series of abbreviated handwritten notes that were funneled into the patient’s file for interpretation by the primary physician responsible for diagnosing ailments and prescribing treatment. Ultimately, this hodge-podge of handwritten notes and typed reports was consolidated into a single patient file and physically stored along with thousands of other patient records in a wall of filing cabinets in the medical records department. Whenever the need arose to review the records of a specific patient, the patient’s file would be retrieved from the filing cabinet and delivered to the requesting physician. To enhance this manual process, many medical record documents were produced in duplicate or triplicate by means of carbon copy. In recent years things have changed considerably. Walls of filing cabinets have given way to desktop computers connected to powerful mainframe systems where patient records are prepared and archived digitally. This digital format allows for immediate remote retrieval by any physician who is authorized to review the patient information. Reports are stored electronically and printed selectively as the need arises. While the transition from a paper based to an electronic format will take years to complete, considerable progress has been made. Handwritten reports are largely a thing of the past. Verbal dictation is now by far the most common method for documenting and reporting the results of examinations and procedures. Physicians generally use either a cassette based voice dictation system or a digital voice dictation system to record their findings. Dictating reports verbally not only allows physicians to be more thorough in their reporting, it also saves them a great deal of time. The Wall Street Journal recently reported the results of a study conducted by the Association of Legal Administrators suggesting that verbal dictation is the fastest way to create a document. The study states that “a 245-word document takes 9.34 minutes to create with an electronic dictaphone, compared with 16.46 minutes on a personal computer and 16.49 minutes by hand.” (WSJ, Tuesday, October 22, 1996, page A1, column 5). Given the salaries of most physicians, the cumulative productivity savings associated with these technological enhancements is considerable. The process of converting voice dictation to a typewritten format is known as transcription. Traditionally a staff of skilled medical transcriptionists working in the medical records department of the hospital has accomplished the work of transcribing medical records. In the early years of medical transcription it was not uncommon for very large hospitals to have staffs of 40 or 50 medical transcriptionists working one or more shifts. A transcription supervisor, who in turn reported to the Medical Records Director, generally oversaw these transcriptionists. The Medical Transcription Outsourcing Trend Increasingly, traditional hospitals are coming under competitive attack by more efficient managed care organizations. In an effort to remain competitive, many hospitals have turned to outsourcing as a means of cutting costs. Many of the processes that were previously performed internally are now being contracted out to third parties. Medical transcription is no exception. The outsourcing of transcription and other functions relieves hospitals of the administrative headaches and overhead burdens associated with internal production and allows them to focus their attention on improving service and lowering costs. This new competitive climate has driven many hospitals out of business. Those organizations that have survived have done so by becoming more efficient and cost-conscious. There is considerable evidence to suggest that contracting out medical transcription is a much less costly alternative to producing reports internally. Most savvy healthcare providers today understand this and are responding appropriately. The significant cost-cutting pressures which continue to drive the industry toward consolidation, managed care and capitation virtually guarantee that the outsourcing trend will not only continue but accelerate in coming years. This proliferation of outsourcing agreements has spawned a new generation of small medical transcription companies intent on carving out a piece of the pie. Interestingly, in spite of its rapid growth, the medical transcription industry is still considered a cottage industry. While there are a few truly national players, the industry is at this point still dominated by the hundreds of small local transcription companies located wherever hospitals are found. Opportunities in Medical Transcription The outlook for quality medical transcriptionists have never been greater. Lucrative opportunities abound today in hospitals, clinics, HMO’s, and in the hundreds of Medical Transcription contracting companies located throughout the country.