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	<title>Health Care Today &#187; Medicare &amp; Medicaid</title>
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		<title>With Health Reform, It&#8217;s the Little Things, say Seniors</title>
		<link>http://health-insurance-carriers.com/blog/senior-health-care-reform/</link>
		<comments>http://health-insurance-carriers.com/blog/senior-health-care-reform/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 21:26:13 +0000</pubDate>
		<dc:creator>Emma Lloyd</dc:creator>
				<category><![CDATA[Health & Politics]]></category>
		<category><![CDATA[Medicare & Medicaid]]></category>
		<category><![CDATA[Prescription Drugs]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[health reform]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[obama]]></category>
		<category><![CDATA[senior health]]></category>
		<category><![CDATA[town hall meetings]]></category>

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		<description><![CDATA[
President-elect Barack Obama should take note – health reform is about the little things just as much as it is sweeping changes to the system.
Information gathered from a batch of more than 8,500 meetings held around the country in December will be compiled and used to help design the healthcare proposal that has been in [...]]]></description>
			<content:encoded><![CDATA[<p style="padding: 10px; float: right"><img src="http://health-insurance-carriers.com/blog/wp-content/uploads/2009/09/senior-health.jpg" alt="Senior Health" /></p>
<p>President-elect Barack Obama should take note – health reform is about the little things just as much as it is sweeping changes to the system.</p>
<p>Information gathered from a batch of more than 8,500 meetings held around the country in December will be compiled and used to help design the healthcare proposal that has been in the news as of late. Obama&#8217;s transition team plans to post some of the material at change.gov.</p>
<p>One particular meeting took place late December 2008, between newly appointed secretary of health and human services, the former Senate Majority Leader Tom Daschle, and more than two dozen seniors During this meeting, seniors told Daschle that they placed more importance on certain things such as waiting times to see their doctor, the increasing cost of prescription drugs, and the narrow range of <a href="http://www.health-insurance-carriers.com/senior-medicare-advantage.html">Medicare coverage</a> for certain medical procedures, equipment, and treatments.</p>
<p><span id="more-170"></span></p>
<h2>An Example for Health Care Reform: Alzheimer&#8217;s</h2>
<p>One woman at the meeting cited her family’s history of Alzheimer&#8217;s disease for her hope that the new administration will put heavy emphasis on medical research. A man said that helping people live healthier lives should receive more emphasis than it currently does – not only to improve health, but also to reduce medical costs for individuals and the nation as a whole. Another man says he wants medical providers to show more concern for the people they treat than whether or not those people will pay their medical bills.</p>
<p>Daschle says that lawmakers are more likely to get behind a new health care system if voters provide enough incentive pressure. And it seems that the transition team is listening: The Obama administration is encouraging seniors to submit their own stories about health care –  and any other issues they think need to be addressed.</p>
<p>The team should also take one final note: The current effort to gather information about the health care system has been compared to the 2005-2006 attempt by the Citizens Health Care Working Group. More than 6,500 people participated in meetings across America, and a further 14,000 participated in online surveys. The Congress-sponsored group eventually recommended guaranteed health coverage for certain doctor’s visits, and some ways to protect people from high health care costs – but none of its recommendations were acted upon.</p>
<p>Let&#8217;s hope that this new round of meetings prompts some real <em>change</em>.</p>
<p><small><img src="http://health-insurance-carriers.com/blog/wp-content/plugins/photo_dropper/images/cc.png" alt="Creative Commons License" align="absmiddle" border="0" height="16" width="16" /> photo credit: woodleywonderworks</small></p>
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		<title>New Insurance Study: Number of Insured Workers Dropping</title>
		<link>http://health-insurance-carriers.com/blog/number-of-insured-workers-dropping-according-to-new-insurance-study/</link>
		<comments>http://health-insurance-carriers.com/blog/number-of-insured-workers-dropping-according-to-new-insurance-study/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 23:09:33 +0000</pubDate>
		<dc:creator>Emma Lloyd</dc:creator>
				<category><![CDATA[Health & Politics]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare & Medicaid]]></category>

		<guid isPermaLink="false">http://health-insurance-carriers.com/blog/number-of-insured-workers-dropping-according-to-new-insurance-study/</guid>
		<description><![CDATA[
It&#8217;s not just the unemployed facing healthcare insurance problems, according to a new Robert Wood Johnson Foundation report compiling research carried out by the State Health  Access Data Assistance  Center at the University  of Minnesota. Nearly 20% of American workers have no health insurance, up from around 14% in the mid-1990s.
During the [...]]]></description>
			<content:encoded><![CDATA[<p style="padding: 10px; float: right"><a href="http://www.flickr.com/photos/26467954@N04/3835779872/" title="LA: Highway to Healthcare, Shreveport 8/18/2009" target="_blank"><img src="http://farm3.static.flickr.com/2554/3835779872_b2494e41e0_m.jpg" alt="LA: Highway to Healthcare, Shreveport 8/18/2009" border="0" /></a></p>
<p>It&#8217;s not just the unemployed facing healthcare insurance problems, according to a new Robert Wood Johnson Foundation report compiling research carried out by the State Health  Access Data Assistance  Center at the University  of Minnesota. Nearly 20% of American workers have no health insurance, up from around 14% in the mid-1990s.</p>
<p>During the mid-1990s, one in seven American workers had no insurance. Just ten years later, that figure has increased to one in five workers uninsured, or around six-million more people over the mid-1990s total.</p>
<p><span id="more-242"></span></p>
<h2>What&#8217;s causing the high rates of uninsured workers?</h2>
<p>What has caused the drop in insurance rates? The study notes that it&#8217;s likely due to an increase in the cost of insurance – premium costs for employer-sponsored healthcare have increased up to eight times faster than wages, meaning that fewer employers and fewer workers can afford the coverage.</p>
<p>Another fact the study notes is that many workers are newly uninsured, and the percentage of uninsured workers has risen sharply in the last couple of years. Finally, while up to 20% of workers no longer have insurance, around 90% of children are covered, as well as almost all retirees.</p>
<h2>Criticism of the health insurance statistics</h2>
<p>Some have criticized the statistics and the healthcare system on the basis of the disparity of insurance rates between workers and retirees – saying that workers are paying the bill for coverage for people who are no longer working. But is this really fair?</p>
<p>Today&#8217;s retirees – the people who are now on Medicare – are the taxpayers of the last generation. They&#8217;ve already paid for the healthcare they&#8217;re now receiving. And the current generation of tax-paying workers is paying now for the Medicare they&#8217;ll receive when they hit retirement age.</p>
<p>The real problem is that there just aren&#8217;t any insurance safety nets for working adults. SCHIP provides coverage for children and young people, while Medicare provides for seniors. For working adults, however, the options tend to be limited to employer-sponsored care, private insurance, or nothing at all.</p>
<p>More significant in terms of the study&#8217;s statistics is the fact that the mid-2000s figures were taken from Census 2007 results – and given current trends it&#8217;s likely that the number of uninsured workers is actually much higher than one in five.</p>
<p><small><img src="http://health-insurance-carriers.com/blog/wp-content/plugins/photo_dropper/images/cc.png" alt="Creative Commons License" align="absmiddle" border="0" height="16" width="16" /> photo credit: aflcio2008</small></p>
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		<title>Drug Companies Raise Awareness of Fibromyalgia to Sell More Drugs</title>
		<link>http://health-insurance-carriers.com/blog/fibromyalgia-drug-companies/</link>
		<comments>http://health-insurance-carriers.com/blog/fibromyalgia-drug-companies/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 01:19:07 +0000</pubDate>
		<dc:creator>Emma Lloyd</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare & Medicaid]]></category>
		<category><![CDATA[Politics & Health Insurance]]></category>
		<category><![CDATA[Prescription Drugs]]></category>
		<category><![CDATA[chronic pain]]></category>
		<category><![CDATA[drug advertising]]></category>
		<category><![CDATA[drug companies]]></category>
		<category><![CDATA[fibromyalgia]]></category>
		<category><![CDATA[pharamceuticals]]></category>
		<category><![CDATA[pharma]]></category>
		<category><![CDATA[politics]]></category>

		<guid isPermaLink="false">http://health-insurance-carriers.com/blog/fibromyalgia-drug-companies/</guid>
		<description><![CDATA[
Fibromyalgia is a devastating disease that causes chronic pain and other symptoms for those who are affected – but it’s a disease with no known cause and no standard treatment. Many people haven’t even heard of the condition, but if that’s the case it’s not because the drug industry isn’t trying hard enough.
Drug Companies&#8217; Hundreds [...]]]></description>
			<content:encoded><![CDATA[<p class="img"><img src="http://health-insurance-carriers.com/blog/wp-content/uploads/2009/03/fibromyalgia-electrotherapy-stimulator.jpg" alt="Fibromyalgia Electrotherapy" /></p>
<p>Fibromyalgia is a devastating disease that causes chronic pain and other symptoms for those who are affected – but it’s a disease with no known cause and no standard treatment. Many people haven’t even heard of the condition, but if that’s the case it’s not because the drug industry isn’t trying hard enough.</p>
<h2>Drug Companies&#8217; Hundreds of Millions Help Raise Awareness of Fibromyalgia</h2>
<p>Last year, drug industry giants Pfizer and Eli Lilly spent hundreds of millions of dollars in advertising to “raise awareness” of fibromyalgia. The companies donated more than six million dollars to non-profit organizations for educational campaigns and medical conferences, too.</p>
<p>That’s more than the companies donated for Alzheimer’s, and diabetes. And only donations made for cancer, depression, and AIDS were higher than the donations made to further the cause of fibromyalgia.</p>
<p><span id="more-208"></span></p>
<p>Why all this trouble for a disease nobody’s heard of, that some doctors don’t even believe exists? Simple. Pfizer and Eli Lilly are using their money and influence to “raise awareness” and get doctors prescribing fibromyalgia drugs for people with the disease.</p>
<h2>Is Fibromyalgia Real? Why the Sudden Drug Company Interest?</h2>
<p>Fibromyalgia is a real disease, especially to those people who are affected by it. But there’s no standard treatment – just a couple of drugs more commonly used to treat other conditions which improve symptoms for some people with fibromyalgia.</p>
<p>Pfizer markets a drug called Lyrica, which originally received FDA approval for the treatment of epileptic seizers. Eli Lilly’s drug, Cymbalta, was originally approved for depression. Both have now been FDA-approved to treat fibromyalgia symptoms and will probably soon be appearing on the formulary lists of <a href="http://www.health-insurance-carriers.com/prescriptionplans.html">prescription drug plans</a>, if they haven&#8217;t already.</p>
<h2>Sales of the Fibromyalgia Prescriptions since Big-pharma&#8217;s Campaign</h2>
<p>Since the companies began marketing “awareness” for fibromyalgia, sales increased from $395 million to $702 million for Lyrica, and from $442 million to $721 million for Cymbalta, between 2007 and 2008. Each company spent just over $125 million in advertising its drugs in the first nine months of 2008.</p>
<p>Now this might not necessarily be a bad thing. After all, people with this chronic, painful condition are getting treatment that they need.</p>
<p>The problem, however, is that the underlying purpose for Eli Lilly and Pfizer is simply selling drugs, and some healthcare professionals are concerned that undue influence from the pharmaceutical industry will pressure doctors into diagnosing fibromyalgia more often, even if it might not be appropriate.</p>
<p>In addition, some doctors believe that fibromyalgia, while a real condition, isn’t necessarily physical – that there may also be a psychological or neurological component in the development of the disease. If that’s the case, the drugs that Pfizer and Eli Lilly are pushing may not be the best solution for people with fibromyalgia.</p>
<p><small><img src="http://health-insurance-carriers.com/blog/wp-content/plugins/photo_dropper/images/cc.png" alt="Creative Commons License" width="16" align="absmiddle" border="0" height="16" /> photo credit: ccox888</small></p>
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		<title>How Much is Your Health Worth?</title>
		<link>http://health-insurance-carriers.com/blog/how-much-is-your-health-worth/</link>
		<comments>http://health-insurance-carriers.com/blog/how-much-is-your-health-worth/#comments</comments>
		<pubDate>Wed, 29 Oct 2008 23:20:52 +0000</pubDate>
		<dc:creator>Greg Whalen</dc:creator>
				<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare & Medicaid]]></category>
		<category><![CDATA[Staying Healthy]]></category>
		<category><![CDATA[dialysis]]></category>
		<category><![CDATA[health care costs]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[value of a human life]]></category>

		<guid isPermaLink="false">http://health-insurance-carriers.com/blog/how-much-is-your-health-worth/</guid>
		<description><![CDATA[What is the value of a human life? And how much is your health worth? We take a look at the numbers. ]]></description>
			<content:encoded><![CDATA[<p class="img"><img src="http://health-insurance-carriers.com/blog/wp-content/uploads/2008/10/value-health-costs.jpg" alt="What is the Value of Your Health?" /></p>
<p>Many of us rarely ponder what our health and life are worth. It&#8217;s often assumed that life is priceless, but that doesn&#8217;t do justice to the stratospherically rising health care and insurance costs; in fact health bills are now the leading cause of bankruptcy.</p>
<p>One common way to calculate the value of our life is to use the same equation used by many health care providers. That cost was once $50,000 per year of quality life, according to the international standard for government-run health insurance plans across the globe. This number has been disputed by economists at Stanford and they were able to calculate that a year of quality life is actually $129,000! That is a lot of money for a year of life, but of course: life is <em>priceless</em>!</p>
<p><span id="more-90"></span></p>
<h2>Calculating Costs with Kidney Dialysis</h2>
<p>As a benchmark, economists at Stanford decided to use kidney dialysis for their research. One reason they chose dialysis is because hundreds of thousands of Americans in the United States are kept alive each year through dialysis while waiting for an organ transplant. The other reason is that Medicare has covered this procedure since 1972 without regard for costly innovations in the procedure.</p>
<p>&#8220;Assigning a dollar figure to Medicare patients&#8217; lives may sound crass, but such valuations are routine in Americans&#8217; daily lives.&#8221; As an economist, you must focus on the supply and demand of the market. In this case, the patients waiting for an organ transplant have a high demand for organs and unfortunately, a low supply of organs. Therefore, kidney dialysis is a temporary, but costly solution to this law of supply and demand.</p>
<h2>How Economics Values Your Health and Life</h2>
<p>Modern medicine has changed the way we look at life. We are continually trying to look younger, live longer and stay healthy. The only problem is that it is expensive to keep some patients alive especially for those waiting for a kidney. Hypothetically, Medicare coverage no longer can afford to pay $129,000 for hundreds of thousands of Americans each year based on new research done by economists at Stanford.</p>
<p>Some people waiting for an organ would not be able to afford to pay $129,000 a year to stay alive and would say farewell to their family. The miracle of life lies in our ability to receive the health and care that we deserve, when we need it most &#8211; all while staying alive, at least until an organ is ready.</p>
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		<title>Nearly 95 Percent of Nursing Homes Don&#8217;t Meet Standards</title>
		<link>http://health-insurance-carriers.com/blog/nearly-95-percent-of-nursing-homes-dont-meet-standards/</link>
		<comments>http://health-insurance-carriers.com/blog/nearly-95-percent-of-nursing-homes-dont-meet-standards/#comments</comments>
		<pubDate>Tue, 30 Sep 2008 20:29:29 +0000</pubDate>
		<dc:creator>Jon Allums</dc:creator>
				<category><![CDATA[Health & Politics]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medicare & Medicaid]]></category>

		<guid isPermaLink="false">http://health-insurance-carriers.com/blog/nearly-95-percent-of-nursing-homes-dont-meet-standards/</guid>
		<description><![CDATA[
photo credit: DerrickT
The shocking truth is that nursing homes in America are not safe, and for-profit nursing homes are even less safe.  This comes from the latest report issued by the Department of Health and Human Services, Office of Inspector General.
In fact, 2007 saw a number of states report unprecedented rates of nursing home violations [...]]]></description>
			<content:encoded><![CDATA[<p style="border: 1px solid black; padding: 6px; float: right; margin-left: 8px" align="left"><img src="http://farm1.static.flickr.com/39/78217196_a476e1472f_m.jpg" alt="the Clinquant of the Future" border="0" /><small><br />
photo credit: DerrickT</small></p>
<p>The shocking truth is that nursing homes in America are not safe, and for-profit nursing homes are even less safe.  This comes from the latest report issued by the Department of Health and Human Services, Office of Inspector General.</p>
<p>In fact, 2007 saw a number of states report unprecedented rates of nursing home violations &#8211; Idaho, Alaska, Washington D.C. , and  Wyoming had a %100 violation rate. The most common violations included infected bed sores, inadequate treatment of urinary tract infections, deficient housekeeping, and improper nutrition. One in six nursing homes, posed &#8220;actual harm or immediate jeopardy&#8221; to residents.<br />
<span id="more-64"></span> </p>
<h2>Nursing Home Quality and Presidential Debates</h2>
<p>The revelation comes just weeks before the Presidential election and could play a role in the debates, because the report points out that private facilities often overcharged or charged for services that were not performed &#8212; with the taxpayers footing the bill.</p>
<p>These findings could also be used in future ratings systems proposed by President Bush, who has instituted a five-star rating system for the 1.5 million people who live in the nation’s 15,000 nursing homes. The ratings should be made public around December of this year.</p>
<p>For more information on nursing home rankings, visit our list of the <a href="http://www.health-insurance-carriers.com/worst-nursing-homes.html">Top 15 Worst Nursing Homes</a> in the U.S.</p>
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