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Retiree Health Care Benefits Continue to Decline

Employer-based retirement health care insurance benefits continue to decline, according to recent industry reports.JAMB Subject combination

Many retirees have been able to rely on private or state employer-based retirement health benefits for supplemental health care coverage while on Medicare in the past, but this is becoming less common.

Employer-based health-related benefits can provide important coverage for the gaps that exist in Medicare programs. Additional coverage benefits can alleviate the cost-sharing requirements and deductibles associated with Medicare. Caps on the amount that can be spent out-of-pocket, often associated with supplemental coverage, are also often helpful for retirees.

Overall, supplemental retiree health and medical benefits sponsored by a private or municipal employer have helped many retirees cope with high medical costs often incurred in retirement.

The Kaiser Family Foundation recently reported, however, that the number of large private employers-considered employers with 200 or more employees-offering retiree healthcare benefits has dropped from 66 percent in 1988 to 23 percent in 2015.

Companies that do continue to offer retiree health benefits have been making changes aimed at reducing the cost of benefits, including:

Instituting caps on the amount of the provider’s financial liability
Shifting from defined benefit to defined contribution plans
Offering retiree health care benefits through Medicare Advantage plan contracts
Creating benefit programs through private health insurance exchanges
State employers have also not been immune to the trend, but the type and level of coverage being offered by most states is significantly different than retirement health care coverage being offered by large companies.

Unlike many private employers, state governments continue to offer some level of retiree health care benefits to help attract and retain talented workers, according to a report titled “State Retiree Health Plan Spending,” published by The Pew Charitable Trusts and the John D. and Catherine T. MacArthur Foundation in May, 2016.

With the exception of Idaho, all states currently offer newly-hired state employees some level of retirement health care benefits as part of their benefits package, according to the report. Of the states offering retiree medical benefits, 38 have made the commitment to contribute to health care premiums for the coverage being offered. State employers are, however, also making changes to the retirement health care insurance benefits they provide to state workers.

Significant among these changes for the states is at least one driving force-the Governmental Accounting Standards Board now requires states to report liabilities for retirement benefits other than pensions in their financial statements. The changes were required from all states by the end of 2008. As a result, the increased financial transparency forced states to review the cost of their other post-employment benefits   Because retirement health care benefits account for the majority of the states’   obligations, many states have made policy changes to address the upcoming obligations. Factors such as date of hire, date of retirement or vesting eligibility, including minimum age and minimum service year requirements, are now being used by states to vary or limit retirement health care benefits.

Overall, from 2010 to 2013, the states saw their liabilities decrease by 10 percent from $627 billion after inflation adjustments. While this may sound contradictory, the declines are attributed to a slowdown in the growth of health care costs coupled with benefit modifications aimed at cost reductions.

To look at one state as an example, California’s recent budget revealed that health care benefits for retirees are costing the state more than $2 billion a year for an 80 percent increase over the prior 10 years. Although the situation recently changed, California was previously one of 18 states that had nothing set aside to cover its future retiree health care benefit costs of $80.3 billion.

It should be noted that retiree health care plans are typically funded by plan sponsors on a “pay as you go” basis, meaning that monies to pay current and future health care obligations are taken from current assets and not set aside in advance. This differs significantly from pension plans governed by   which are subject to funding guidelines.

In response to California’s unfunded   liability, employees and the state are now paying into a fund for future retiree health care benefit costs. The state is also matching $88 million in employee contributions and paying an additional $240 million to   future retirement health care benefit costs. The changes are impacting retirees as well as state and private employers.

Overall, employer-based retirement health care benefits, once important for supplementing Medicare for retired seniors, continue to decline.

The Potential Impact of Eroding Employer-Based Health Care Retirement Benefits

Many baby boomers who are currently covered by retiree medical plans and plan to rely on future employer-paid medical benefits, are likely to be disappointed to learn that these benefit plans can be changed or terminated.  -governed benefit plans typically contain a “reservation of rights” provision allowing the plan sponsor to change or terminate all or parts of the plan. Many private and state employers are reducing or terminating retiree health benefits due to the increasing cost of insurance premiums, rising health care costs, and increases in longevity.

Since the early   there have been many cases where unexpected changes to post-employment pension and medical benefits have resulted in lawsuits. Typically, the key issue is the reservation of rights language and/or collective bargaining agreement language for employees who were covered by a union contract which referenced retiree medical benefits.

Beneficiaries who have questions about their retiree medical benefits should speak with their plan sponsor to learn about the specific benefits available to them and have a contingency plan for bridging their medical coverage to Medicare, if they are considering early retirement or want to better understand future benefits.

 

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Athem Blue Cross Offering Two New Health Insurance Plans in California

Anthem Blue        https://spynaija.com                          Cross Life and Health Insurance Company is responding to the national health care crisis by offering two new affordable health insurance plans for California residents. The two new plans will be rolled out in early 2010, providing low-cost health insurance alternatives for the many Californians who either don’t have health insurance or who have health insurance plans that they are struggling to afford.

The first of Anthem’s new health plans –   – will become available on January 1, 2010. a  plan that provides tax deductible options and prescription drug coverage. Most importantly for many California residents: the monthly premiums for  will start at “prices to meet just about every budget,” noted one California insurance agent.

As an example of the low-cost rates for the  plan, the monthly premium for a male under the age of 40 is expected to be about $75 per month. However, as with most healthcare plans, participants will need to meet a deductible in order to receive coverage. Participants can select from a wide range of annual deductible amount and rate combinations to select the one that best for their budgets and healthcare needs.

The second of Anthem’s new affordable California health plans is   will launch on February 1, 2010 and is designed to provide a wide range of benefits, but still offer first-dollar coverage. A male under the age of 40 will have a monthly deductible of about $69.  is being touted as the  health plan with the lowest rates of all of the Anthem   health plans.

Blue Cross of California has one of the largest networks of healthcare providers throughout the state of California, which includes more than 50,000 doctors and almost 400 hospitals accepting  insurance. Anthem’s health insurance plans also travel with participants across the country, helping to ensure that even if California plan holders leave the state, they will still be covered.

In addition to the basic healthcare coverage provided by these two new Anthem  plans, participants can also select from optional coverage for healthcare needs such as dental and term life.

Anthem’s   delivers prescription medications to California residents through the mail

The two new health insurance programs from Anthem may be the newest additions to Anthem’s health care program line-up, but they fall into line with a whole host of helpful healthcare services offered to California residents by Anthem.

The  program is Anthem’s preferred mail service pharmacy, which is available to Anthem members who taken maintenance medications on a regular basis. Many of the medications that qualify as maintenance medications include drugs that are used to treat heart disease, diabetes, depression, allergies, and even oral contraceptives.

When California residents e program by December 31, 2009, Anthem will waive the first co-pay for each generic prescription that participants transfer to  .

Anthem also offers state health programs

In addition to the two new affordable health insurance plans offered by Anthem for California residents, Anthem also offers California state health programs,  . Here’s an overview of each of these different California healthcare programs:

Cal is California’s Medicaid Program, which is available at no cost for individuals and families who meet certain low-income or other qualifications.

The Healthy Families Program is a low-cost managed care coverage program for children who live in households with financial situations that make them ineligible for the Cal Program.

The   program (California Major Risk Medical Insurance Program) is a health insurance plan that is available for Californians who cannot obtain health coverage in the individual health insurance market.

AIM is the low-cost manage care coverage available for infants and their mothers who have family incomes too high for  Cal coverage.

is a program that provides medical, dental, and vision services for eligible low-income adults who live primarily in one of 34 rural communities who are also not eligible for the  Cal program.

Finally, the Anthem Blue Cross   Program provides access to    healthcare for rural Californians.

For more information about Anthem’s and   health insurance plans, consumers should speak with a health insurance specialist who can explain the specific details of each different coverage option and type of plan. Also, in addition to Anthem’s health plans, California residents can select their insurance plans from a wide variety of other insurance carriers that service the state. A California insurance specialist can help California residents to sift through all of the available insurance options to find the right plan for their specific healthcare needs.

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Taking Care of Our Health – The Natural Way

Health is the              https://www.monalise.dk/             most valuable asset for all of us, and it is a must that we must protect our health in order for us to have a better way of living.

Health is like something that we take for granted,   its importance when we are in great sickness or someone we knew is suffering from illness. Nevertheless, if we will not take care of our health as our as now, then the backlash of our health will be very alarming. Once we have taken for granted the effects of our carelessness towards health, no matter how we tried to do something about it, it may be too late and worse, we cannot treat a certain disease because it is already permanent.

This is the time that we must take a step further to care for our health. Health is the most essential part our lives and it helped us to become who we want to become.

The question is who will take care of our health? Who will control all the dealings with regards to our health? Moreover, the answer is of course, every one of us. We must be responsible on our respective health status because our health is the ultimate and most valuable asset. We must looked for our health positively and deal with it to prolong the quality of our lives.

There are some ways for us to evaluate the level of our health, for us to know if we are living a healthy life or we have to modify our lifestyle.

One method is to have health check-ups on a regular basis. Having check-ups will determine what the status of our health is. Also, it can provide us information on what are we going to do to enhance our health if doctors detected something unusual on our health.

Moreover, have a healthy diet. Even though some of us need to lose weight, eating and having healthy diet will ensure the quality of our health.

Furthermore, have a regular exercise. 25 minutes every day can help boost our body. We can do this at least 5 times per week. Not only that, we tend to be more energetic and it will keep us going beyond our typical activities.

However, if a person smokes and he will do these things, it will be such a waste of time.   will only worsen our health and following these guidelines will be nonsense. If some of us are smoking, stop smoking gradually because we cannot do it drastically.

If we can follow these guidelines, the levels of our health can meet its maximum potential that can help us to become a better and happier person. Love health, as we love ourselves.

is the place where everything a person needs to know about health can be found, as it serves host for knowledge on health, health discuss

 

 

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Florida Health Insurance Offers Programs To Improve Health Across The State

Staying healthy is              https://www.monalise.dk/                             easier with education and support, and more of both is coming to Florida. Health insurance can play a big role in maintaining good health. Did you know that preventive care is covered by all new health insurance in Florida? A plan purchased prior to health care reform is not required to add this coverage, but Florida insurance plans you can join today don’t apply co-pays, co-insurance or a deductible to standard preventive care, like exams and screening procedures for some of the most common diseases.

Some Florida health insurance companies, like are also offering online tools to help you learn how to protect your health by lowering your chances for cancer, diabetes, heart disease and other serious threats. When you take their online questionnaire, for example, you get back suggestions to improve your health.

The new coverage for preventive care in health insurance for Florida can also include consultations and monitoring by doctors to help with one of the biggest health problems in Florida – obesity. For anyone with complicating conditions or taking prescriptions, checkups with the doctor add a measure of safety when starting an exercise program.

New Money And Programs Are Expected To Improve Health In Florida

This type of supportive education is becoming easier to find in Florida thanks to a $600,000 grant from the State University System Board of Governors to launch a Community Health Workers Training and Research Institute. Its goal is to combine showing people how to improve their health with help to develop skills for health care work.

The grant recipients are Florida A&M University and the University of Florida  . College of Pharmacy Dean William  is proud that “our college is a part of this effort to end health care disparities in our state.”

Part of the strategy will be to emulate a program that is being implemented throughout the nation. The Health-Smart   Program works to get people moving and to switch from unhealthy foods in  of disease-fighting, fat-dropping nutrition. Besides promoting physical activities, the program discourages eating fatty, salty and sugary foods of fruits and vegetables, whole grain products and simple water.

They’re also developing a credentialing program that can be used as a national model to help graduates find employment in local health care. By working simultaneously to increase health education and job opportunities, this type of program can help people protect their health with lifestyles changes and gain employment to make it easier for people to afford health insurance in Florida.

Florida Health Insurance Stretches To Expand Access To Health Care

Health care is being extended to remote, rural areas with what’s known as   . With video conferencing, doctors can now talk to distant patients to see how medication is affecting them, to look for changes in their daily routines or to assess their emotional state. This can improve treatment from both physicians and psychologists.

Video conferencing can be quite similar to visiting the doctor’s office with none of the hassle. Such remote access can be especially helpful when patients have difficulty   to a doctor’s office or have limitations on mobility. It even helps during long winters when road conditions make travel unsafe, but patients still need to check in with their doctor.

Greater access to see a doctor can improve patient care through more frequent monitoring. For example, while a patient may not   mild effects of new medications, doctors may be able to assess minor differences that alert them to the need to adjust medications before more serious consequences are seen.

 

 

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5 Ways To Reduce Your Health Care Costs

The two main                  https://trevonbranch.tech/                      component of a health insurance plan are the premium and costs you pay for health care via your co-pay, co-insurance and deductible. The more you agree to pay for your health care, the less your monthly premium will be. Insurance companies know that when people have a financial stake in their own health care bills they tend to be more judicious in their use of medical services. Agreeing to pay a higher deductible, or rate of co-insurance, will result in lower monthly premiums. Sometimes these reductions can be quite significant and if saved will cover most if not all of the cost of the higher deductible.

This approach is less effective for people who use a lot of health care services every year, racking up large bills. However, for people who are generally health and don’t use a lot of health care, they can   dramatic savings using a high deductible health plan. Plans with high premiums are guaranteed to cost you a lot of money even if you don’t go to the doctor. Plans with high deductibles will only cost you a lot if you actually use medical services.

Use Tax Advantages

There are a few ways to reduce your health insurance costs using the income tax system. The first and most common way is to use a health savings account otherwise known as an  is a special banking account you are allowed to put pretax money in to spend on health care costs. The money you put into your health savings account does not get taxed as regular income. Depending on the tax bracket you are in, this can be a significant discount on health care costs. Many health care plans do not cover things like maternity, dental services and eye care. However, these services can be paid for out of an  .  you must have a high deductible health insurance plan that meets the IRS requirements for health savings accounts. Generally you have to carry a high deductible and the plan has to have limits on total out of pocket cots.

If you are facing large health care bills, you may be able to deduct them from your income tax. You are allowed to deduct any medical expenses above 7.5% of your adjusted gross income. There are a wide variety of services that can be included in this amount, even a mileage deduction for transportation to and from the hospital. Make sure to consult a tax   if you choose to go this route.

Use your free Preventive Care

All health insurance plans are now required to provide free preventive care, so make sure you use it. Routine checkups and some testing is free for adults. Well baby visits and   are free for children. These are significant benefits so make sure you are taking full advantage of them.

Shop Around

One of the reasons health care has become so expensive is there is little price competition. Don’t be afraid to ask what a doctor charges, especially for planned or expected health care. Some hospitals can be very competitive on price for services like  and delivery, while others can be quite expensive. Don’t assume health care costs the same everywhere, it certainly does not.

Emergency rooms are especially to be avoided if you are looking to reduce your health care costs. They should only be used for true emergencies. For non life threatening medical issues like ear infections or even a cut requiring stitches, consider using an urgent care or local clinic. The costs of services at these locations can be a tenth of what an emergency room will charge.

Stay Healthy

This may sound like tired advice, but staying out of the hospital is the best way to reduce your costs. Try putting everyday activities in terms of what they may cost you in the long run. Sitting on the couch with a big bowl of ice cream is much more expensive than a nice walk outside. If living a long life isn’t enough motivation to be healthy now, consider that your unhealthy lifestyle will cost you a lot of money in health care costs.

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County Health Department – A Great Resource for Physician Groups and Hospitals

As clinical              https://trevonbranch.tech/              providers seek ways to improve the health of their patients at the population level, one great resource that they should tap is their county health department. There are many resources and skills that health departments will share with physicians and other providers that will improve their ability to improve the health of their patients.

In my work I have had numerous occasions to collaborate with the chief epidemiologist of the Kent County Health Department of Michigan-Mr. Brian  . Through these contacts and through an introductory epidemiology course I have found that health departments are experts at providing population level health services. This is in contrast to most clinical providers who excel at working with their patients on a face-to-face level. Both staff of physician offices and staff of health departments are concerned with the health of individuals and groups of people.

Clinicians most often work with individuals during face-to-face encounters. They treat the disease or injury of an individual one at a time. For instance, if a physician is treating a patient with hypertension, she will plan a course of treatment with the individual in mind. If the physician considers the population level in her work, then she is looking at how the treatments and instructions that she provides affect a group of her patients. For instance, she may consider how effective she is in treating her patients with hypertension collectively.

The patients of a county health department are the population of the county. Only in a few instances do health departments treat individuals one at a time. Much of their work would not be considered clinical interventions. However, their work does affect the population as a whole. For instance, health departments are responsible for seeing that food at restaurants is handled and cooked correctly. Health departments track reports of communicable disease to identify potential clusters or outbreaks, such as measles, in order to   the community and physician groups to respond and prevent further transmission.

Can these two health groups benefit each other in improving the health of their patients and, if so, how? I recently interviewed Brian   about this and he shared some thoughts that I believe can help clinical providers do a better job. As an expert in population level health,  l sees much of his work as preventive in nature. In the emerging world of population level medicine it is important for physicians and other clinical staff to focus on prevention too-prevention of chronic diseases worsening for patients, such as prevention of patients diagnosed with   advancing to diabetes, and prevention of teen patients from misusing alcohol and other drugs, including tobacco. The Kent County Health Department has many resources that can help physicians achieve their goal and would be very willing to collaborate with clinical groups. In fact,  currently has a grant whose funds can be used to improve patient opportunities for chronic disease prevention, risk reduction or management through clinical and community linkages.

believes there is potential to work together with physicians to establish a system for prescribing healthy living activities and lifestyles as non-clinical interventions for the prevention/management of chronic disease. For instance, the Kent County Health Department is actively engaged in helping communities develop walking paths in   areas in the City of Grand Rapids. He thinks that patients with chronic diseases can greatly benefit if they became more active by walking. He is willing to share maps and information about the location of such paths so that a physician can prescribe a walking agenda for a patient and then point them to nearby paths that they can easily access.

The Kent County Health Department is also engaged in working with community partners to bring fresh foods to locations in the county where access to fresh fruits and vegetables is difficult. These are known as ‘food deserts’ and often only have retail food stores that are ‘quick markets’ that have only boxed food, such as those found in many gasoline stations. His group is working with such retailers in the community to overcome the barriers to providing fresh foods. is willing to share with physician groups the locations of fresh food sources in the community so that clinicians can inform their patients of the locations and improve their food lifestyles.

These are just two examples of information that the health department is willing to share with clinical groups so that their patients can achieve healthy, active lifestyles. Besides information, health departments also have community contacts that could be useful. For instance, the Kent County Health Department works with the YMCA of Greater Grand Rapids, which has a nationally  program (the Diabetes Prevention Program) that helps prevent individuals diagnosed with   from becoming diabetic. The health department also has links with community educators, the Grand Rapids Urban League and prevention groups that focus on the prevention of the misuse of alcohol and other drugs.

As you can see there are many resources that are available from health departments. Will it be beneficial to clinical providers to access these resources? I believe that accessing these resources will help physicians and other clinical providers greatly improve the quality of life of their patients. Also, it will help in improving the outcomes of patients at the population level. This is very important for groups that have risk-based contracts with private payers and for those who serve patients who are covered by Medicare. According to an article in Modern Healthcare dated January 16, 2015, about 40% of all private payer contracts are incentive based now; those with such contracts need to focus on population level health.

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Find The Right Primary Care Physician For Your Family

Do you                https://psychedelichomes.com/                       need a new primary care physician? Whether you need to go to the doctor for a checkup, or you are looking for a new regular  for your children, there are a variety of aspects to consider when it comes to finding the right medical practitioner for your circumstances. Finding a new doctor is key to your health and the health of your loved ones. You will want to do a good bit of research before you settle on a particular person. To make the decision easier, be sure to ask yourself a few questions. Such as, what are you looking for in a doctor? Do you have a specific ailment that needs addressing? Are you looking for a  to treat your child, or a doctor for yourself?

So what exactly does a primary care physician, or a PCP, do? Family doctors handle a wide array of general healthcare needs for patients. Rather than concentrating on one specific area of healthcare,   focus on the overall health of a patient. Family doctors are qualified to treat patients of any age, while   treat children specifically. Both are   and both offer their fair share of benefits to each patient.

When you begin your search for a new doctor, you should address all of your needs. For instance, do you have any kind of specific dietary needs or any ongoing illness such as diabetes? Do you want a primary care physician who will also serve as the main doctor for your entire family? There are a multitude of questions to take into consideration when it comes to finding the right family doctor for you.

You should also take your healthcare plan into consideration when choosing a primary care physician. Some plans will require that you have a PCP, and most insurance companies will provide you with a list of doctors to choose from. From there, you can determine what you want in a doctor. You can use resources such as the Internet to look at reviews for specific doctors. You can also ask friends, family, or coworkers for suggestions or tips on finding the perfect doctor for your specific circumstances. It may be a good idea to call a few offices before you schedule an appointment to get an idea about accessibility, common practices, and other information.

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Family Care Physicians Versus Pediatricians and Does It Matter?

Some people          https://wecarefamilyphysicians.com/                 think it is better to take their kids to a   for the entirety of their youth, while others choose a general practitioner. Really, the best choice is a clinic with family practice physicians who can address the well-being of children and adults. No matter what the title is and how they are identified, the best doctor is the one you trust with your health and the one who provides the highest level of knowledge and concern.

For the vast majority of situations, family care physicians are going to be the best choice for health. Everyone can go at once and if suffering similar maladies, everyone can be treated together. You, your child, your spouse, and other offspring all can see the same person and receive similar treatment. This is important because a large part of determining what is wrong is examining the background and exposure. If every one in a familial relationship is ill, that means there is a good chance that the trigger is environmental. This gives the doctor a large arsenal of tools that are not simply confined to the treatment of children.

On the other hand, because   deal with the welfare of kids, they are uniquely qualified to look after them. They have a leg up on family care physicians who cover a gamut of  but are not  in one small specific area. In situations where there is a chronic or acute problem that needs the expertise and also gentleness of a  , then they cannot be beat.

The fact of the matter is that while each of these   doctors has different titles, they are both doctors. The real decision should not come down to what they are called or how they spent the years of their residencies getting further information. It should depend on the level of caring, comforting, and palliative treatment they provide. It should have more to do with how they make your child feel and how at ease you feel discussing medical conditions with them. Family care physicians do not have to be abandoned after a certain age so they offer the benefit of being the doctor you have for as long as you want to keep seeing them.

Whichever you pick, the priority is on patient treatment and how they make you feel. If they are incredibly nice and caring and have the welfare and interests of the whole family at heart, it only matters that you choose to have them look after you. If they providing helpful supportive medical advice and are available and accessible for your kids, they are the best family care physicians you can find.