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Friday, February 21, 2014

Health Care Reform's Effect On People With Health Insurance

What is not being considered is the health risk Wifi poses to fliers at altitude. The question is, does Wifi really serve the interests of fliers long-term? Barometric pressure is 760 mm Hg at sea level with a corresponding PaO2 (arterial O2 pressure) of 98 mm Hg, the barometric pressure at 8000 feet will be 565 mm Hg with PaO2 of about 55 mm Hg. (Medical Guidelines For Airline Travel 2nd Edition, 3) At altitude with less oxygen to shield fliers, more emissions and Wifi signals, the cabin environment becomes even more hostile to health. The airlines and the industry need to manage fliers expectations better. Sacrificing health for convenience or profit in the long-term view is unsustainable.The new health care exchanges are supposed to open in just seven months.

In the last few months we've seen a lot of Health Care Reform rules and regulations being introduced by the Health and Human Services Department. The first one is that health care reform only affects uninsured people. The second one is that Medicare benefits and the Medicare program isn't going to be affected by health care reform. And then the last one is that health care reform is going to reduce the costs of healthcare. Health Care Reform Only Affects Uninsured Let's look at the first myth about health care reform only affecting uninsured people. In a lot of the discussions I have with clients, there are several expressions they use: "I already have coverage, so I won't be affected by ObamaCare," or "I'll just keep my grandfathered health insurance plan," and the last one - and this one I can give them a little bit of leeway, because part of what they're saying is true -- is "I have group health insurance, so I won't be affected by health care reform." Well, the reality is that health care reform is actually going to affect everybody. Starting in 2014, we're going to have a whole new set of health plans, and those plans have very rich benefits with lots of extra features that the existing plans today don't offer. So these new plans are going to be higher cost.

People that currently have health insurance are going to be transitioned into these new plans sometime in 2014. Health Care Reform Effect On The Uninsured The uninsured have an additional issue in that if they don't get health insurance in 2014, they face a mandate penalty. Health Care Reform Effect On People With Grandfathered Health Plans People that have grandfathered health insurance plans are not going to be directly affected by health care reform. For people who stay in those grandfathered plans, the pool of subscribers in the plan are going to start to shrink, and as that happens, the cost of those grandfathered health insurance plans will increase even faster than they are now. Therefore, people in grandfathered health plans will also be impacted by ObamaCare.

Health Care Reform Effect On People With Group Health Insurance
The last one, the small group marketplace, is going to be the most notably affected by health care reform. Even though the health care reform regulations predominantly affect large and medium-sized companies, and companies that have 50 or more employees, smaller companies will also be affected, even though they're exempt from ObamaCare itself. It's not just uninsured that are going to be affected by health care reform, everybody is going to be impacted. Health Care Reform Will Not Affect Medicare The next myth was that health care reform would not affect Medicare. If we look at it over the last 10 years, from 2002 to 2012, Medicare is the fastest growing part of the major entitlement programs in the federal government, and it's grown by almost 70% during that period of time.

Medicare Advantage Cuts And The Effects
Increased Medicare Advantage Costs
Right now, many people choose Medicare Advantage plans because they have zero premium. When given a choice on Medicare plans, they view it as an easy choice because it's a free program for them, "Sure, I get Medicare benefits, I don't pay anything for it; why not." We've already seen that with some of the Blue Cross Medicare Advantage plans this year. Reduced Medicare Advantage Benefits
In order to minimize the premium increases, what many Medicare Advantage plans will do is increase the copayments, increase the deductibles, and change the co-insurance rates. Increased premiums and reduced benefits are what we're going to see coming in Medicare Advantage plan.
Fewer Medicare Physicians
And then if that wasn't bad enough, as Medicare doctors begin receiving lower and lower reimbursements for Medicare Advantage people, they're going to stop taking new Medicare Advantage recipients. So Medicare is going to be affected, and it's going to be affected dramatically by health care reform. Without a doubt the BRIC countries (Brazil, Russia, India and China) - four of the world's largest emerging economies, have massive economic and investment potential, especially within the technology industry. Our paper examinees the comparative risk, opportunity, overall economic climate, comparative industry market potential and structure within each BRIC countries and ultimately making a recommendation on which country to invest within the technology sector.

Brazil's economy has ascended the ranks of the world's largest, from 16th in 1980 to 6th today." Brazil's large government debt and economic deficits in the 1990's facilitated private investment in various industries. Reports regarding Brazil's economic future have varied widely. Despite unstable performance results across Brazil's five regions reported this year, the economic outlook for Brazil is fairly positive. With respect to political risk Brazil is moderately stable in comparison to other BRIC nations. The good news is that the Affordable Healthcare Act of 2010 addresses many of America's healthcare problems. Farms on average are much larger. The Affordable Healthcare Act of 2010 is primarily health insurance reform legislation. The new healthcare law addresses many issues that required attention for decades.

Effective communication in today's multi-generational business world requires careful navigation.
Traditionalists (1927-1945) entered the workforce under the GI generation's military format where the rule was "No news is good news." Xers demand leaders keep it "real" when sharing their feedback. Millennials (1978-1999) are the latest generation to enter the workplace.

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