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Archive for April, 2007

Health Insurance Demand And Health Risk Management In Rural China (Development Economics and Policy)

Abstract: long term care health insurance
Tag:

Health Insurance Demand And Health Risk Management In Rural China (Development Economics and Policy)

In the middleRepublican & Herald, PA - 19 hours agoAlmost half of the people surveyed believe Medicare or their private health insurance will pay for their long-term care needs. This simply is not the case .

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Health - Starts With Eating A Good Breakfast

Abstract: blue cross health insurance
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Eating a Healthy Breakfast

We have all heard the saying that breakfast is the most
important meal of the day and it is very true. Although
breakfast is the most important, it is also the most missed
meal. People seem never to have enough time to enjoy a healthy
breakfast each day. Here are some tips for getting a good
breakfast each day.

Make time for breakfast. Set aside at least 20 minutes each day
to relax in the morning and have a healthy breakfast. Your body
needs energy in the morning, and you should start the day off
right with something healthy. One of the greatest items to eat is
fresh fruit. Fresh fruit has tons of energy, is sweet and is
filled with vitamins. Fresh fruit is very easy to prepare,
taking only minutes. You can have fresh fruit with your cereal
or yogurt.

Enjoy a light breakfast such as a bran muffin or toast. You
don’t have to cook up a storm, choose easy meals to prepare.
While we all love pancakes, eggs and French toast for breakfast,
it is sometimes not practical to cook big meals everyday when
you have to run to work. So tomorrow wake up 20 minutes earlier
and enjoy a healthy breakfast.

About the author:

Jay is the web owner of http://www.weight-loss.biz Weight Loss, that
provides information on weight loss, diets, and excercise. You
can also visit his website at: http://www.diet-pill.info Diet Pill Information or
http://www.insurance-health.biz Health Insurance
Information

Health insurer offering free electronic health records to doctors .Computerworld, MA - Apr 23, 2007April 23, 2007 — Blue Cross and Blue Shield insurance plans in four states are integrating the medical data of more than 11 million people into a single .Studies Examine Affordability of Health Care, Effects of Liability . Kaiser network.orgall 3 news articles

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Outsource Medical Billing services- Should a Physician Outsource Medical Billing Services

Abstract: health net insurance
Tag:

Should a physician outsource medical billing services?

This is a very difficult decision for any physician and
partially boils down to this or her own personal ideology and
comfort level. Hospital-based physicians will almost always be
better off outsourcing because of the office related expenses
that they would not otherwise incur. As the owner of medical
billing service you may think I’m naturally biased towards
outsourcing. I can assure you that this is not the case.
Physicians who are overly controlling, uncomfortable or
mis-trusting toward billing services are nearly impossible to
administer. I don’t want anything to do with those types of
physicians but I completely respect and understand their point
of view. Setting all ideology aside I would like to delve into
the pros and cons of this difficult and complicated decision.

1. I am a physician who is very interested in the business
aspect of medicine and I do not mind spending my esteemed time
managing the medical billing aspect of my practice.

Clearly, the greatest way to do your billing is to do it personally.
Obviously, doing it yourself is probably not an option but if
you’re willing to spend the time and have the interest I would
recommend that you do your own billing. Keep in mind that most
billing service owners and certainly our employees have limited
medical backgrounds. Physicians who study CPT, regularly attend
billing seminars and keep up to date on industry changes are the
ultimate medical billing gurus in my view.

2. I am a physician who has absolutely no time or interest in
the medical billing aspect of my practice. I am completely
reliant upon my office manager and billing staff.

Unfortunately, most physicians are in this position. Even if
they were interested in keeping up with all the changes and
elements of medical billing the practical reality is that there
is absolutely no time. Let’s face it; time is your most beneficial
asset. It’s sort of like mowing your own lawn. You’d be way
better off financially seeing patients for three hours on
Saturday morning. I believe the following information will
dramatically help with your decision to outsource your billing
or continue to do it yourself and with future decisions in the
ever-changing business aspect of medicine.

The pros and cons of outsourcing your medical billing services.

I would like to preface this article with a couple of obvious
but important points. If you have a system of controls, keep an
open mind about the competence of your office manager, you’ve
got an excellent computer system, proper information systems and
your office is doing a superb job at collecting your money, then
by all means do not make any changes. Conversely if you’re
planning to outsource your billing make sure you hire quality
firm. I’ll spend some time at the end of this article discussing
this further.

Most leading experts agree that it costs about 4.5% of net
collections to perform the billing function within a physician’s
office. Incidentally, this is close to my actual cost as well.

Theoretically, a billing service should be able collect in addition
money than a physician’s office because it is our core
competency. The question is how much innumerable? This is why I focus
on how to choose a billing service at the end of this article.

The numbers

A. Lets just do the math in a theoretical model.

We’ll base our numbers on a practice whose total gross
receivables are $100,000 per month. Obviously, this is an overly
simplistic model designed to quantify the aggregate cost and or
opportunity cost of the medical billing component only.

Current Aggregate Billing Expenses

In-house expense

Total gross revenue $100,000

Current billing expense $4,500

(4.5%) —————

Net Revenue $95,500

Outsourced Billing Expense

Total gross revenue $100.000

Current billing service exp. $7,000

(7.0% net collections) —————

Net Revenue $93,000

Net cost increase with outsourcing = $2,500.00

As you can see in this,” all things being equal” theoretical
model your practice would incur a $2,500 decrease in net revenue
with the implementation of a billing outsource strategy. Keep in
mind that this model does not address other less tangible issues
such as your reduced payroll, computer expenses, ect. In reality
the net cost could be substantially less than $2,500. Many
physicians will perceive this as a small price to pay while
others will consider it to be cost prohibitive.

5% theoretical increase in gross revenue with outsourced billing

Total gross revenue $105,000 (5% increase)

Billing service expense $7,350

(7% net collections) —————-

Net revenue $97,650

$95,500 - $97,650 = $2,150.00 increase in net revenue.

As you can see from this model with a 5% increase in collections
your net revenue will increase $2,150.00 with the added expense
of the billing service. Keep in mind that a 5% increase in gross
collections is actually quite conservative and should easily be
obtainable by quality billing service.

Intangibles

B. A billing service should be able to provide you with a
substantial reduction in your day-to-day aggravations such as
practice management software issues, fewer employees, hassle of
hiring competent employees, less health insurance, less
training, ECT.ect. Conversely you will however lose some
control over your practice. If the billing service does not
collect heavier money your expenses will increase. It’s up to you
to determine whether or not the increased expense is offset by
decreased aggravation.

security

C. A billing service should be able to increase your security
levels by creating a system of checks and balances. As a former
police officer I can assure you that crime statistics indicate
most embezzlement/fraud/theft occurs from within. During an
investigation a store manager for Sears and Roebuck Co. once
told me,” our customers take it out piecemeal but our employees
take it out in wheel barrels” This logic also applies to a
doctor’s office. A billing service can provide an extra layer of
protection because there is a system of independent checks and
balances. Typically billing services are fairly large businesses
with strict internal controls. My organization Medi-Bill Inc.
Operates internally similar to a banking institution with the
way we handle funds. It is highly unlikely that the ownership of
a reputable medical billing firm would risk the consequences of
committing fraud against a client.

Conversely, the issue once again boils down to control. Many
physicians are understandably quite unsettled at having their
checks and correspondence mailed directly to the billing
service. Further compounding this dilemma is,” what will happen
to the checks and correspondence after the billing service
agreement is terminated?”(Again, we will discuss alternatives to
this at the end of the article)

Technology

D. State-of-the-art practice management software is an extremely
expensive investment. If you’ve already invested in a high
quality computer system I do not believe outsourcing your
billing would make much sense financially unless your computer
vendor is charging outrageous support fees. If you’re
considering purchasing a computer system or a medical record
management system my favorite vendor who we’ve been working with
for over 15 years is Office Management Solutions (OMS) based in
Tampa Florida. The owner’s name is John Peake and he is by far
the most honest and reputable computer vendor I have ever worked
with. OMS can be reached at 813-963-5582 or www.oms-online.com.

If you need to update your system, purchase a new system or your
support fees are getting out of hand this may be an opportune
time to consider outsourcing your medical billing services.

.

· Is your overall collection rate declining?

· Is your accounts receivable too high?

· Are you experiencing an increased number of denied claims?

· Is your overall frustration level regarding your
billing/business office very high?

· Are you facing a major capital investment in new hardware or
software?

· Are your computer support fees to high?

· Are you having a difficult time keeping or hiring experienced
billing staff?

· Are you spending too much time on the business aspect of
medicine?

· Are you concerned that your staff or office manager has
knowledge of your income?

· Are you completely reliant upon your office manager?

· Are you planning to expand your practice?

· Do you believe that your practices cost structure is too high?

· Do you have several employees performing tasks that could be
handled by a single greater experienced manager?

· Is your computer system obsolete?

· Are hardware, software, and information technology disrupting
the operation of your practice?

If you have any questions or comments regarding this article
please do not hesitate to contact me at david@usemedibill.com.

This article was written by David Duncan, president and founder
of Medi-Bill Inc.

www.usemedibill.com

About the author:

none

Forum explores health insurance woes: Rising costs spur local debateDavis Enterprise, CA - Apr 19, 2007As individuals and businesses struggle with rising costs of health insurance, local government agencies face the same challenge as they try to balance the .

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Flood Insurance

Abstract: short term health insurance
Tag:

There are many risks that people are accustomed to insuring
against. These will include, health insurance, auto insurance
and fire insurance. There are others that are less familiar,
such as dental and flood insurance but there are many reasons
why you should reassess the insurances you currently have in
place and perhaps consider relocating them to cover the risks
that you are most afraid of experiencing.

For example, did you know that losses due to floods are thirty
times in addition likely to occur than fire losses? This is especially
true if your home is located in a flood prone zone. While flood
loss is generally less devastating than fire loss, if your home
is located in a flood prone zone, the chance of even
experiencing catastrophic damage is still 25% greater from flood
than from fire.

Flood loss

Most basic home insurance policies do not automatically include
flood loss as standard. Commercial property policies are the
same, with flood loss only being covered if it is specifically
mentioned in the policy. If the flood is extremely severe, it
may be classified as a disaster site by the federal government.
This will cause some protection to be made available in the form
of loans. These loans, which come through the Federal Emergency
Management Assistance program, are not like insurance however,
as you are required to pay back the loan that they give you, as
well as any other home loans you already have. They will also
require you to carry flood insurance in the future. The other
thing about the Federal Emergency Management Assistance program
is that it only kicks in if your area and flood are declared a
federal disaster site. This can be fairly rare when compared to
the amount of floods that are experienced annually.

Flood insurance will be offered by various insurance companies
but should be backed by the National Flood Insurance Program.
This type of coverage, which is supported and regulated by the
federal government, is the only type of flood insurance that
will fully protect your home and contents from rising water
flood insurance.

Shop Around

If you are considering taking out a policy of this kind, shop
around for the foremost rate
and find out what is covered and
what is excluded. It may be that a specific company’s exclusion
is exactly the situation in which you require coverage and other
companies may not have the same exclusion so you are wise to
shop around. Also, all insurance companies vary in what they
offer and what they charge. Do not accept the first offer or
quote you receive and do not expect all companies to provide the
same deals. You should always shop around when it comes to
insurance and find yourself the number one deal available.

About the author:

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/
where you will find information, news and links to the leading
providers of home
insurance
in the UK.

Assembly committee approves bill to make health premiums tax-freeWinona Daily News, MN - 2 hours agoAn Assembly committee approved a plan on Wednesday to allow taxpayers to deduct their health insurance premiums as outlined in Republicans? health care .Assembly Committee Approves Bill To Make Health Premiums Tax-Free WISCall 5 news articles

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Health Insurance (Made E-Z)

Abstract: florida health insurance
Tag:


Health Insurance (Made E-Z)
Discover how to buy the right health insurance cheaply and energeticly. Includes inside tips for smart shoppers on compensation, the selection process, evaluating your health insurance needs, and much increased.

US Pays Big Bucks To Private Medicare: Seniors Like The Lower .Insurance News Net, PA - 12 hours agoIt’s the bipartisan congressional commission that oversees issues affecting the government’s health-insurance program for Americans age 65 and older, .

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