If you are going to go through the trouble to pay a visit to your health care provider, it only makes sense to pay attention to their advice if you hope to have good health. Following your health care providers advice is the smart way to go since you are entrusting your future health in their hands.Your health care provider has spent a number of years dedicated to learning all they can about human health from diagnosing illnesses to determining the best course of action to either cancel out the ailment or at least make you comfortable living with the illness.It is always important to have a good relationship with your health care provider. It may also help to get to know the people who work in the office as well, as developing a great relationship with those in charge of your health care is always a good idea. Making sure they know your personal condition can help your health care provider better understand your medical situation.If you make a decision that you want to try alternative medications, such as herbal or all natural ingredients, you should always check with your health care provider about how they could work together with your current medications and what effect, if any, that they could have on your medications stability.Furthermore, if you end up hospitalized your health care provider may not be the doctor keeping up with your progress in the hospital, rather they may turn that aspect of your health care to specialists involved in additional care involving the issues that have placed you in the hospital.
Pay attention to your health care provider’s advice, it could save your life.
Discount Health Care has filled a void in our society whereas some 40 million citizens in the US either have no insurance benefits at all or else they are severely under-insured and therefore, might as well not have any insurance benefits at all.Discount Plans has fast become a staple in our society providing many Americans with the opportunity to go see a medical professional. Whereas, before having a discount plan, they could not even afford to go to the dentist for a routine visit.There are many different options in terms of private companies out there currently offering Discount Health Care Plans. And almost as many different plans to choose from. Whether you are looking for just a simple dental plan or you need a full, total health benefits package, you can custom tailor you plan to fit your families’ needs and your budget.When you become a member of a Discount Plan, you will receive a membership card, usually within 10 to 14 business days after registering. You will need to show this discount card to your health care provider at the time of services. And you will be required to pay your bill minus your discount. Note: These discounts are not insurance! And make sure that your current health care provider accepts the plan you choose. As I stated, there are many different plans out there and not all of them are as widely accepted. And you should be able to look up providers using a provider search tool on the Discount Health Care companies’ website before choosing whether or not to sign up with them.Discounts will vary according to the particular plan you choose and your geographical location. But you should typically see discounts anywhere from 50 to 80% off of medical, dental and prescriptions. And somewhere between 20 to 50% off of vision and Chiropractic services. These discounts are negotiated between the provider and the company or network providing the discount plan.Most Discount Dental plans will also give you a free Vision and Prescription plan as well at no additional cost. And some even include a discount Chiropractic plan. Most plans are very affordable and allow you to either pay on a monthly or annual basis. Although I haven’t seen any of them giving additional savings for choosing the annual plan, it’s more of just an extra convenience for the member.Most of the companies that I have become familiar with offer very affordable rates for the entire household. Although there have been a few companies over the years that have taken advantage of their members and have used false advertising practices. This is very unfortunate but tends to happen a lot in our society where people tend to get greedy and have no regard for their fellow citizens.Many states have now imposed strict guidelines concerning the business practices of Discount Health Care companies and some states do not allow them at all, which I think is very unfortunate as we desperately need these services in our communities. Especially for people who are having to do without health care simply because they cannot afford traditional health insurance.As our government goes back and forth on health care issues, more and more citizens of the United States continue to go without health care benefits. Discount Health Care provides one alternative to this dilemma. But you must do your homework and check out the company before becoming a member. Legitimate companies, and there are plenty of them out there, will be very happy to explain their services to you before you sign up.This article is protected by current Copyright Laws and may not be reproduced in part or as a whole in any electronic or printed medium without prior permission from the author.
Our health-care system is broken in many ways and legislation is not likely to solve the problems. In 2009 we each spent about $8,000 on health care. That totaled $2.5 trillion or almost 18 percent of the nations gross domestic product. Unfortunately about one quarter of that was budgeted not for health care, but for fraud! Here are some recent fraud statistics.• Medicare and Medicaid billing errors resulted in improper payments of $108 billion.
• Fraudulent claims for Medicare accounted for $33 billion in losses.
• Improper private-pay payments cost about $100 billion.
• Health insurance fraud costs us about $68 billion.
• Fraudulent insurance payments cost us $50 billion.
• Payments for medical errors run about $38 billion.
• About 10 percent of prescription drugs are counterfeit, costing about $12 billion a year.All of this means that we are wasting about $25 million per hour on medical fraud, waste and abuse. That’s way too much and it is something that all of us should be concerned about because, one way or another, we all pay for it. We pay for it in higher taxes, higher medical costs, and higher medical insurance premiums. The government doesn’t “eat” the cost of medical fraud, waste and abuse. Neither to insurance companies or doctors. The costs, as with all frauds, are just passed on to the consumers. You and me. We pay for the frauds.Medical fraud is committed everywhere, by just about everyone. Here is a short list of groups that commit health-care fraud. Recognize any?Who Commits Medical Fraud• Criminal groups
• Employees who approve claims for themselves or friends
• Vendors and suppliers
• Insured patients
• Uninsured patientsOne of the attributes of the this system that makes it so susceptible to fraud is that so many players are involved in providing services to a patient and then paying for that service. The initial players in the system are the patient and the care provider. However, it doesn’t stop there. Once the patient has seen the provider the payer (patient, insurance company, government) step into the process. They are followed by the employer how may pay all or part of the patient’s insurance premiums and/or pretax medical savings accounts, and vendors (for examples, drug stores, pharmaceutical companies, medical equipment vendors and manufactures). Medical frauds are complex and often include at least three of these players.Fighting Fraud, Waste and AbuseSo what can be done? We don’t need another study conducted by a government panel. We do need action. The place to start is with consumers and citizens. A comprehensive fraud prevention program to combat fraud starts with anti-fraud education for consumers and citizens. Everyone needs to know how pervasive is medical fraud and what it cost each one of us. An effective anti-fraud program begins as the grass-roots level with consistent and comprehensive attention. One story in the main-stream media every six months will never be enough. Only when citizens know what the problem is and what it costs will they being fight against the status quo.The more technical elements of an anti-fraud program to combat health-care fraud, waste and abuse include:• Fraud prevention programs – internal control systems within all health-care organizations to make it harder for individuals to commit fraud. Adequate review and approval processes coupled with good supervision are the keystones of an internal control system.• Fraud deterrence programs – activities that increase the probability that fraud will be detected if it exists. The most common example of a fraud deterrence program is the conduct of frequent pro-active fraud audits. These are audits that are conducted to uncover fraud when there is not indication that fraud exists.• Fraud detection programs – data mapping, mining and analysis process to detect fraud when it exists.• Fraud investigation programs – reactive auditors and investigations conducted when there are indications that health-care fraud has been committed.• Fraud loss recovery programs – the payer, either an insurance company or the government, must recover funds lost through medical fraud and abuse. The U.S. Code 18 U.S.C. Sec 983(c)(3) claims to right to force property forfeiture if the Government is able to establish that property was used, facilitated or was involved in the commission of a criminal offense, and that there was a substantial connection between the property and the offense.• Fraud perpetrator punishment – individuals who commit fraud perform a cost-benefit analysis and usually determining, at least subjectively, that the cost of fraudulent activities (the risk of detection, prosecution and punishment and the cost of the penalty imposed if punished) are less than the assets (money) gained through the fraudulent activity. When perceived benefits greatly out weigh perceived costs fraud becomes a rational economic decision. Only by increasing the probabilities of detection, prosecution and punishment, and the severity of punishment can the cost-benefit analysis be skewed so that costs are greater than benefits.ConclusionThe battle against medical fraud, waste and abuse starts with you. Become an informed consumer. Let your representatives and senators know that you are tired of paying for medical fraud. After all, the money that the government spends is your money. Ask your doctor and other health-care providers what they are doing in their offices to reduce the risk of fraud. Send a note to your insurance company and ask what they are doing. You might provide them some suggestions from the list above. Become a grassroots activist in the fight against fraud and abuse. You can help reduce medical care costs.