Short Term Medical Insurance For Visitors

June 7, 2019

Today, the cost of health care around the world is rising and an accident or unforeseen illness can lead to high financial catastrophe as well. A short term visitors medical insurance can provide a comprehensive temporary visitor health insurance or visitor medical insurance that protects you from the catastrophic costs of unexpected medical expenses.

The duration of a Short term visitors medical insurance is from thirty to three sixty-five days. However, the state of residency is a factor that needs consideration. The visitor insurance allows you to use your own doctors and hospitals. The temporary visitors insurance covers the physician services, X-rays, inpatient hospital stays, laboratory services, outpatient-inpatient hospital surgeries, post surgery nursing care and rehabilitation up to a duration of upper limit of around $2 million.

The Short term insurance or visitor health insurance offer coverage that can easily last up to six months. It is a good solution for people between jobs or those waiting for some other visitor health insurance or visitor medical insurance to start. Typically, temporary or short term visitors medical insurance does not include coverage for preventive care, physicals, immunization, dental or vision care. However, purchasing a short term visitors medical insurance plan will make you ineligible for any guaranteed individual health plans commonly referred to as HIPAA plans. These plans are generally expensive and are intended for people having a pre-existing medical condition. If you wish to maintain your eligibility for the HIPAA plans then you must not purchase the short-term visitors insurance.

If you are waiting for insurance coverage, switching jobs, have been laid off or are a seasonal employee or overseas student, then this short term visitor insurance is a very good option for you. All these conditions require the visitors insurance for a short time. That is why; you should purchase the short-time visitor medical insurance or any other visitor insurance. When you are in such situation, you will require an affordable insurance that can offer a peace of mind to your family members.

For people in transition, short term health insurance is the ticket. Short term health visitor insurance is usually bought in one-month increments. All you need to do is to read all the limitations and the exclusions that are specified on your policy form. You must clear all your doubts with the help of your agent. Taking your agent’s advice before you buy any insurance is a really good idea.

The short term visitors medical insurance works like an indemnity plan which usually gives you the freedom to go to any doctor or specialist that you want. However, most plans require pre-certification except in the time of emergencies. These pre-certification rules need you to get a pre-certification from the insurer before you are hospitalized. If you fail to pre-certify then you may not be covered by the insurance.

Surgery, hospital care, emergency, diagnostic tests, prescription drugs, follow-up office visits and yet some degree of mental health care is incorporated under most health policies even though they might come with certain sub-limits or special conditions.

Private Vs Public Medical Care – Let The Battle Commence

May 27, 2019

Here in the UK, we seem to have a peculiar British habit of complaining about the NHS whilst simultaneously championing the right to free health care. For the 11% of the population (figures from 2009) who have purchased private medical insurance, it’s less about taking our free national health service for granted but rather the freedom to have more choice about when, where and how they receive treatment should anything occur. As the war rages on about the best form of medical care, we discuss the advantages and disadvantages of both public and private health care.

Advantages of the NHS

A free service: Funded by the UK tax payer, the NHS is free at the point of delivery, although charges for prescriptions apply. As David Cameron said in 2009: “No matter who you are, where you are from or how much money you’ve got – you know that the NHS will look after you.”

Range of health care services: The NHS covers everything from flu and vaccinations, to mental illness and specialised treatment of illnesses and diseases. You can also receive treatment at any hospital or centre in the UK.

Disadvantages of the NHS

Long waiting times: Whilst the NHS aims to care for everyone, as a result its resources can become seriously overstretched with waiting times for treatment and even consultations with specialists. Urgent cases will be seen promptly, however, if you are less severely effected you may face increased waiting times.

Stress: An NHS patient may suffer from stress and discomfort as a result of longer waiting times for treatment. It is impossible to measure the long term effect this can have on a patients’ recovery time and mental and physical health.

Some additional costs: Although the majority of NHS services are free, you may have to pay for alternative treatments such as acupuncture or homeopathy which are often offered as part-and-parcel of a private medical care system.

Advantages of Private Health Care:

Shorter waiting times: The NHS has worked hard to reduce waiting times in recent years but its policy still states that patients can wait a maximum of 18 weeks for treatment from the point of initial referral. Private Health care has significantly shorter waiting times giving you treatment when you need it.

Flexible appointment times: Private medical care gives you appointments when you want it; after working hours in the evening or the weekends so you don’t have to take time off work.

Choice of treatment location: You can decide where you wish to be treated; near family, home or work perhaps.

Consultants of your choice: Those seeking private medical care have access to the specific consultants they wish to see and most likely be treated by the same consultant throughout. Alternatively, as an NHS patient you will only be referred to a consultant may if your problem is complex

Peace of mind: For you and your family that you are receiving the best treatment possible.

Privacy and comfort: Those treated within the private health care system will often be given their own room helping you relax during a stressful period.

Disadvantages of Private Medical Care

Expense: Treatment though a private medical care service can prove costly, unless covered by private medical insurance.

Some waiting times: A specialist consultant could be in high demand particularly at busy times such as after work or at weekends.

So, where do all these pros and cons leave the average UK person? Ultimately, deciding whether to stick with the NHS or go private is a personal decision. As with deciding on any insurance policy, individuals must weigh up the risk involved should anything unexpected occur – how comfortable would you feel if you or your family had to be treated by the NHS in an emergency situation? Private medical insurance can offer peace of mind to policy holders who can be reassured they are entitled to prompt treatment and the best service.

Most significantly, the decision to go private will also be largely swayed by financial costs. Most people in the UK can not realistically afford the advantages of private treatment unless covered by private medical insurance – bought through a company or individual medical insurance scheme. A private medical insurance policy is usually paid for in affordable small monthly installments.

There are many companies offering company, family and individual private medical insurance, all offering differing levels of cover. Selecting the best for your circumstances can be a confusing process and it is worth talking to a private medical insurance broker who can compare a broad range of policies to put you in touch with the best for your needs.

Top 10 Ways Healthcare Facilities Are Using Video Conferencing

May 15, 2019

1. Boundary Less Healthcare via Telemedicine Video Conferencing – video conference solutions enable Doctors and Healthcare companies to offer a low-cost, high-impact way to deliver rapid knowledge to physicians, either to save lives or to gain additional medical training, sales and research. Healthcare Facilities Are Using Video Conference To Improve Patient Outcomes, Increase Revenues, & Reduce Expense.

2. Remote Patient Monitoring – for locations with limited access to specialized doctors, campuses can connect to share resources and offer healthcare programs to all patients across distant locations and even remote villages. Physicians from large teaching hospitals or medical centers can connect with their remote patients, via video communication for the purpose of rendering a diagnosis and subsequent treatment plan.

Videoconferencing enables the patient to see a specialist during a remote consultation accomplished in real-time, or the transmission of images, such as x-rays, along with patient data for later viewing. This is especially important for patients living in rural areas, or who are too ill to travel great distances to visit a specialist or clinic. The specialist can easily control the distant patient side camera, share their PC content, and access browser-based applications like EMR/EHR, PACS, and lab reports. Physicians can provide their expertise even from home and provide accurate examinations.

3. Patient education – Through video conferencing, the patients with chronic conditions can have their questions answered and be given more extensive medical knowledge via our interactive technology. These patients can be provided with a specialist opinion from a large medical center, or suggested a telehealth solution to explore other treatment options.

4. Extend Medical Education and Training to unreachable locations – Video conference enables medical teaching staff to demonstrate techniques and skills to medical students or to doctors renewing their medical license, continuing medical education for health professionals and special medical education seminars for individuals and groups in remote locations.

Healthcare professionals can use their PCs for high definition video calls with colleagues from anywhere. The physician or practitioner can easily control the far-end camera, do Pan-tilt-zoom on camera for a complete view and share content live over video file sharing.

5. Attend video CME events from your home office or desktop

6. Conduct video grand rounds sharing PC content, live patient encounters, or recorded procedures

7. Video connect to nursing schools for up to date training and medical information

8. Effective Administration across all branches – Conduct administrative training and medical education using live or streaming video.

9. Advanced knowledge sharing practices – Physicians who practice out of large medical centers use video conferencing solutions to share healthcare information with physicians working in other areas of the country. For example, Dr A Reddy, in Hyderabad give lectures on cardiology, oncology, and diabetes to physicians around the world, from his home setup.

10. Pharmaceutical Sales & Training – Pharmaceutical companies typically hold between 3 and 4 meetings for field personnel per year to update sales and marketing strategies, bring new products to market, re-certify personnel on compliance and regulatory practices, and potentially to roll-out new hardware or software for sales force productivity. With medium and larger companies, this can mean hundreds, even thousands of employees at a single meeting.

It is not difficult to imagine the costs of travel, lodging, and training facilities for meetings of this size. Also, the amount of time lost in transit to and from the meeting can be anywhere from a few hours to an entire day. In a case study performed to compare various video conference solutions to in-person meetings, the online alternatives realized a 66-95% savings over face-to-face meetings Pharmaceutical companies could realize tremendous savings implementing web conferencing solutions in place of even a portion of their face-to-face meetings.

Medical Waste – Spending On Healthcare

May 3, 2019

“For every dollar the nation spends on health care, 50 cents is wasted.”

Medical waste is through the roof, and a recent report by CNN shows how out-of-control it’s gotten. Patients, even insurance companies, are paying through the roof for things like toothbrushes and Tylenol. Perhaps this is another reason why concierge medicine is growing so quickly.

Right now, with healthcare still on the table, the economy still in the dumps, and congress trying to figure out funding, it’s the perfect opportunity to look at how much money is being wasted every day in this messy industry.

According to CNN, a patient in Florida was billed $140 dollars for one Tylenol pill; a patient in South Carolina was billed $1,000 for a tooth brush; a patient in Georgia was billed more than $4,000 for 41 bags of IV saline solution when she went to the emergency room for a two-hour visit and used just one bag.

This is happening every day in every city and small town, where hospitals are trying to maintain funds, the government is laying down red tape, and patients are drowning in debt and medical bills. The entire system is in shambles, for when the hospitals cheat the system and over-charge, the insurance companies’ raise rates to make up for expanding costs, and the patient is hurt in the end.

When the patient is hit with the trickle down fees and premium rates, which are shooting up 30% in many states this year, it truly is a vicious cycle that will never end unless something changes. Although the government is working on getting healthcare passed onto the public, the questions remain regarding who will pay for it, how will we pay for it, and will it only create another trickle down affect where hard working patients will be pounded with not only medical debt, but higher taxes.

Rich Umbdenstock, president and CEO of the American Hospital Association, says hospitals mark up prices on medical bills to make up for lower payments the government pays through Medicare and Medicaid, according to CNN.

In 2008, healthcare costs in the US hit $2.2 trillion. Of that amount, $1.2 trillion was waste. Thing about that number; with millions out of work, millions in medical debt and losing their homes and filing for bankruptcy, the US wasted $1.2 trillion! It’s almost unfathomable.

What’s sad is that hospitals, physicians and specialists could go the more affordable route and prescribe treatments that are “equally effective” and cheaper, but won’t do it because it would mean they would lose money in the long run.

“The old belief that better care is more care, turns out it’s just not true,” James says. “The big problem. It costs you money. Most of these savings go back to insurers or the government, those windfall savings. We’re nearly always financially punished every time we save money.”

The healthcare mess that we are facing has so many layers, financial issues, funding issues, waste management issues, treatment issues, among millions of other problems, it’s no wonder it’s taking so long for something to get passed through the White House.