วันศุกร์ที่ 26 ธันวาคม พ.ศ. 2551

All I Want for Christmas Is Universal Health Care!


By Martin Brown, updated 12/25/2008 at 2:58:03 AM

After years of national anguish, is universal health care too much to ask from our government? A long time ago, Americans looked across the Atlantic and shook their heads in wonder at European nations, which felt no compulsion whatsoever to provide accessible and free public education for all.

Now, more than a century later, the descendants of those Europeans wonder with equal amazement why it's taken us so long to realize that that accessible, affordable health care is not a privilege but a basic human right.

Within its first hundred years, our country learned that every child should have access to education. Without that access, we could never call ourselves a land of opportunity. It was that belief that allowed us to throw off the yoke of a caste society that remained in place in England, for example, when America was producing individuals like Lincoln and others, who rose out of poverty to become leaders in their chosen fields.

In regard to health care, England decided that an individual’s need to have medical attention and care, whenever needed was not, connected to the issue of their means to purchase that care, but rather the basic responsibility of an ethical society.

Americans made a very different choice. They viewed a “socialized health system” as synonymous with poor quality of health care. Ongoing campaigns by special interest groups, such as the American Medical Association, private insurance providers, private hospital and health maintenance organizations, helped greatly to enforce the message that government provided health care was a road to ruin for our nation’s health systems.

For years this public relations campaign perpetrated upon American citizens held sway as seen in 1993. In that year the new Clinton administration made a push for national health care and was not able to win the support of Congress or the voters as reported in various research polls. But in the fifteen years since that failed attempt much has changed. Basic health care insurance has become unaffordable for millions of Americans. As of June 2008 an estimated 50 million Americans have no health insurance and another 25 million are under insured. Both groups are reluctant to seek basic medical attention for everything from mammograms and prostate checks, to help with an infection or injury. And those numbers continue ever upward with the passage of time.

Perhaps the most shocking of all is the simple fact that the long-standing argument that American health care is “the world’s finest” is simply not true.

That of course does not mean that the fully covered in our nation, along with the very wealthy, to not receive a very high level of care. What it means is that the overall health outcomes for Americans as a whole is sinking to lower and lower levels.

Consider, for example, this shocking information from a 2006 health report, issued by the World Health Organization: Cuba ranked 39th in terms of overall health care performance out of 191 member nations. Meanwhile, the United States ranked 72nd on that same list.

This, in spite of the fact that a 2007 survey revealed that Cuba’s per capita income of $4,500 based on gross domestic product, is approximately one-tenth that of the United States, which has a $46,000 per capita income.

Another equally disturbing fact: Canada, which has had national health care for decades, spends a full third less on the care of their citizens than the US.

The bottom line is increasingly clear: Nation after nation spends substantially less than America on its total health care bill, and in exchange has better health outcomes and longer life spans.

For these reasons, and many more, all I want for Christmas is national health care. It’s an idea whose time has come!

วันเสาร์ที่ 20 ธันวาคม พ.ศ. 2551

Gordon Brown's recession will hit the middle classes hardest


In my parents' garage, amid moth-eaten sofas, dead lawn mowers and broken televisions, lies a canning machine.

George Bridges
Last Updated: 9:55AM GMT 20 Dec 2008

It was given to my great aunt, then a matriarch in the Women's Institute, by the Canadian Women's Institute in the dark days of 1940. This sisterly present was more than just a means of conserving the ubiquitous WI jam. It was about "making do", digging for victory, "waste not want not". It was part of the way that genteel, middle-class Britain responded in our hour of need, when its values were under threat.

Now those values are threatened again. Stable middle Britain is in the frontline of today's economic war. Those who saved and invested have been kicked in the financial solar plexus. Houses, shares, pensions – the nest eggs of millions of families have been crushed. And with them has gone ownership not just of things, but of chunks of one's life, like how to live in retirement, how to educate one's children.

The full weight of the economic blitz has yet to be felt. Unlike the 1980s, which was a manufacturing recession, this will be a David Brent recession, scything its way through managers and professionals. The bombs will fall on Slough, and across the South-East. Architects have already set up a "recovery task force". Even public relations companies are resorting to selling "recession PR" – a not so subtle way of saying "we're hurting too".

Middle Britain is adjusting to austerity. Retailers are "resetting" their business, repositioning their brands to appeal to yummy mummies turned bargain-hunters. Millions of people, many of whom have never experienced serious economic pain, are changing their habits. Why go to a restaurant when you can eat in? Why pay for a gym when you can run in a park? Why go to the cinema when you can watch TV? Why drive the car when you can go by bus? And as wallets shut, so do firms.

Some may put a brave face on all this. One argument is "the recession has a green lining": to save on energy bills, people will turn off lights and lag their lofts. They will dig for victory, renting allotments to grow their own food. There's the "we'll get to know Britain properly" line: foreign holidays are out, wet picnics on windswept beaches are in.

Some of this may be true, but I don't like being told "being poor is good for you". And these arguments miss the big picture. First, we are at the end of an era when people could dip into their pockets to protect the planet or help the Third World. As people turn up their financial collars against the economic chill, they are focusing once again on themselves. Of course they still care about others' suffering, but luxury political issues – the environment, overseas aid, the arts and so on – can't beat looking after number one.

And here's the rub: the state is not offering a helping hand to lead the middle classes back to self-reliance; instead it is getting a stranglehold on their lives. After a decade of Sisyphean labour, trying to push the state's rock out of their path, the middle class has once again been flattened by it, crushing their independence.

Consider education. Thousands thought, like Alastair Campbell, that too many state schools are bog standard, and scrimped and saved to send their children to private schools. Today, these are the parents most at risk of being called in for "a quiet word" with the boss. The upshot: 20 per cent of local authorities expect to see higher demand for state school places. Then there is private medical insurance, held by four million people: how many of their subscriptions will be scrapped? Likewise with private long-term care, which already cripples many families: a quarter of councils report increased demands for state-funded care.

You may say this is no bad thing. If the middle classes didn't evacuate their children from state schools and used the NHS, they might exert more pressure to get real change in these services. But you would not force a man back into a burning building in order to get the fire brigade to come quicker. So why should we have to risk children getting a bad education, or picking up an infection in hospital, in order to get change?

Yes, these trends might pass. As people grow richer, they will once again return to the private sector. What is more worrying is the growth in the state itself. Thanks to Gordon Brown, it is now the only growth industry. It employed 14,000 more people between June and September – while the private sector shrank by 128,000. Over the last year, the numbers employed in health, education and public services rose by 90,000, while the number in financial and business services fell by 112,000. For all its "efficiency drives", the state is a good employer and a bad sacker. How many of these will be jobs for life, complete with a pension – pumping up the public sector's pension liability of £1 trillion? And who is making the simple point that the more people work for the state, the fewer there are to create wealth to pay for it, and the higher the taxes they have to pay?

The middle classes have been milked to pay for Brown's boom. They will soon by mugged to pay for his bust. The question is how they will react. John Prescott, in one of his more eloquent moments, said: "We're all middle class now." If he's right, Gordon Brown should be very worried indeed.

วันศุกร์ที่ 12 ธันวาคม พ.ศ. 2551

Alternative Therapies That Really Work


By Dr. Mark Liponis
Publication Date: 12/14/2008
According to the National Institutes of Health (NIH), as many as 62% of Americans use some form of alternative medicine. But few of these treatments are covered by the average medical-insurance plan. The NIH estimates that Americans spend between $36 billion and $47 billion out of pocket each year on alternative therapies such as acupuncture or meditation.

So, do they really work? With government funding, science is expanding its study of alternative and complementary treatments. Some, but not all, are showing positive results. And many of the most successful methods involve “mind-body therapies”—techniques that use the power of the mind to help heal the body.

Here are three commonly used mind-body therapies that have scientific backing and have passed the litmus test of rigorous medical inquiry.

ACUPUNCTURE
What it is: Acupuncture is a traditional Chinese practice involving the placement of very skinny, sterile needles into the skin at specific points located along “energy meridians.”
How it works: Eastern philosophy says that acupuncture affects the flow of qi (pronounced “chee”), or energy, through the energy meridians. Western science reasons that the needles interact with our nervous system, triggering the release of hormonelike chemicals that affect our mood, perception of pain, and immune response.
What it’s good for: In a 2004 study, acupuncture was shown to be helpful in reducing pain due to knee arthritis. It also could be beneficial for sufferers of post-traumatic stress disorder. And when used along with in vitro fertilization, it may be effective in increasing the odds of success in female conception. Stimulating an acupuncture point in the toe even may help correct the breech position of babies in the last trimester and allow more women to avoid C-sections, according to a study in the Journal of the American Medical Association.

MEDITATION
What it is: Meditation activates the relaxation response and improves blood pressure and hormone balance. The most popular method is transcendental meditation (TM), in which you focus on repeating a personal mantra as you meditate.
How it works: TM trains you to block out distractions, creating calmer and more powerful brain patterns. Brain-wave measurements of experienced practitioners during meditation show slow, focused waves similar to those found during sleep, as well as synchronization of waves from different areas within the brain.
What it’s good for: Research indicates that TM may have positive effects on blood pressure, insulin, blood sugar, and heart health. It also can improve concentration, reduce anxiety, and help with post-traumatic stress. Just say, “Om.”

BIOFEEDBACK
What it is: A relatively new technique, biofeedback teaches you to use the power of your brain to control “automatic” functions of the body, such as blood pressure, pulse rate, stress response, skin temperature, and brain waves.
How it works: Sensors monitor the automatic function, such as heart rate, which is then displayed on a screen so you can see it. By controlling your thoughts, you learn to change the display in a desired direction.
What it’s good for: Studies show that biofeedback can help reduce symptoms in a range of maladies, including high blood pressure, chronic back pain, incontinence, tension headaches, and stress. In experimental research, it even is being used to help paraplegics control artificial limbs with their minds.

วันอาทิตย์ที่ 7 ธันวาคม พ.ศ. 2551

US health reform gains momentum

Bu Jonathan Beale
BBC News, Washington

Well, apart from the obvious that they all occupied the Oval Office, they also all proposed some kind of universal health coverage programme - and they all failed to deliver.

With their failure in mind, Barack Obama has been more cautious.

He has not gone as far as to promise universal health care - but that is clearly his goal.

Reduce costs

So what are President-elect Obama's proposals?

He wants to increase health coverage by reducing medical costs.

He also wants to improve quality.

How? Well, on the campaign trail he promised to cut the average American family's healthcare bill by $2,500 a year.

He is also promising mandatory healthcare coverage for all children, financial assistance for people who cannot afford health insurance and for small businesses to help meet the costs of giving their employees cover.

He also wants to bring down the costs of medication.

The challenge is huge.

Around 50 million Americans have no health insurance - millions more are under-insured.

His administration will have to tackle a complex system of private health insurance, vested interests and the mountains of paperwork involved in getting healthcare to those Americans who rely on government support through Medicare (for the elderly) and Medicaid (for the poor).

Barack Obama hopes to make savings of billions of dollars by cutting through red tape and computerising the system, but not everyone believes that it is going to be as easy as it sounds.

And there are more pressing domestic problems - namely the state of the US economy.

Crisis or opportunity?

While Barack Obama, Hillary Clinton and John McCain may have seen healthcare as a priority in the middle of the election campaign, it has been eclipsed by the financial meltdown.

The question now is - can America afford it?

And can the president-elect give it the attention it needs?

The US already spends 15% of its wealth on healthcare - a greater proportion than most developed nations.

Can it afford to spend more?

Henry Aaron, a healthcare expert at the Brookings Institution, says that initially he was sceptical that a new Obama administration would be able to deliver.

But now he argues the economic crisis could make it easier.

He believes it is now possible to link healthcare reform to an economic stimulus.

If the US is already spending a trillion dollars on an economic bail-out, then throwing money at healthcare is no longer such a problem.

Mr Aaron says it would cost about $100bn a year to cover the uninsured.

Politically too, there may never be a better time to take on the issue.

Deal-maker

Barack Obama is not alone in promising to tackle healthcare reform.

The Democratic party has strengthened its grip on Congress and that can only help his efforts.

Mr Obama is expected to appoint a former majority leader of the Senate - Tom Dashcle - as his health secretary.

He is someone who knows his way round Congress and, just importantly, is seen as a consensus-builder.

He has the necessary skills to bang heads together and reach a deal.

And Tom Dashcle will not have to work on his own.

The Democratic Senate Finance Committee Chairman - Max Baucus - has just published his own 89-page plan.

It calls for a mandate on all Americans to carry health insurance - more than Mr Obama is proposing.

But he is already consulting the president-elect.

As is the veteran Senator Ted Kennedy, who, after surgery to remove a tumour on his brain, is now promising to put together a health bill within months.

It remains an enormous task, however.

And the past shows that good intentions are not enough.

Getting politicians from both parties, as well as state governments, private health insurers and the pharmaceutical companies all on side will not be easy.

But there is at least a consensus that America's healthcare system is in dire need of reform.

As to what it will look like, Henry Aaron says: "Expect evolution not revolution".

Barack Obama's opponents may call him a socialist, but no American politician is advocating a British-style nationalised health service.

วันจันทร์ที่ 1 ธันวาคม พ.ศ. 2551

Timothy Hutton lends a hand in TNT's 'Leverage'


By CRISTINA KINON
DAILY NEWS STAFF WRITER

TNT is promoting its latest action-drama "Leverage" as a tale about modern-day Robin Hoods.

That's a comparison star star Timothy Hutton finds fun but certainly not all-encompassing.

"I'm not sure how far that comparison goes because there are other aspects to it as well," Hutton told the Daily News. "It works as a modern-day Robin Hood theme, but it also has a little 'Ocean's 11' kind of feel to it and some 'Mission Impossible.'"

"Leverage," premiering Dec. 7 at 10, features Hutton as Nate Ford, a former insurance investigator who quits his job after his son dies as a result of his company's refusal to cover the medical bills. Depressed, out of work and at the bottom of the bottle, Nate decides to form a team of grifters with individual skills such as stealing, hacking and acting, who work together to steal from the rich and give to the poor.

In the first season, Nate's team will target contractors who scheme victims of Hurricane Katrina out of their homes, a shady horse dealer, an orphanage in Kosovo and a money-laundering scheme related to the Iraq War.

"It's not corporations that the team goes after, it's individuals," said Hutton. "It just so happens that some of these individuals works for bad corporations, but we target corrupt people."

This will be Hutton's second regular TV series role. He previously starred on NBC's "Kidnapped."

Hutton was attracted to the part of Nate because he found it was easy to imagine where the character was coming from and why he's searching for some kind of redemption.

"I don't relate to him on any personal level, but I thought it was really interesting to have this guy who's basically hit rock bottom," Hutton said. "He realizes that if he can make a difference for somebody who was put in a really bad situation, that's the thing that can start to get him back together again."

There's a line in the first season that Hutton says perfectly sums up his character: "Nate, you don't need rehab, you need revenge."

Hutton is keeping his fingers crossed for a second season of "Leverage," but has all the faith in the world that TNT will find the show an audience.

"Cable networks are getting the better scripts these days because people understand how strong they are as a company, as a network," said Hutton. "They chose to work with people and on projects that they believe in, and they know how to bring an audience to those shows. It's so much fun doing 'Leverage,' and TNT is an incredible company to work for."

ckinon@nydailynews.com

วันศุกร์ที่ 28 พฤศจิกายน พ.ศ. 2551

Health Care Technology for Realtors


Bernadette Ancog
November 27, 2008

RealCare Insurance Marketing is a licensed insurance agency in California that specializes in helping California businesses find and purchase the health insurance and HMO programs within their budget. Their scope is not limited to health insurance, but also other applicable assistance for your insurance benefits and needs with a multi-faceted application system that addresses your health insurance related compliance issues.

Other services and features include, but not limited to health care insurance counseling, health care insurance claims assistance, billing, and employee benefit assistance.

Their coverage also includes dental and medical insurance, individual and group insurance, life insurance, vision benefits, disability, retirement plans, section 125 plans, voluntary benefits, state disability and realtor benefits. They also offer FREE insurance quotes for individual or family, employer groups and realtors. There are not that many insurance agencies that do all these in just a click of a button.

Now we are going to discuss on the different insurance plans that RealCare´s expertise will be able to help and guide you through.

Dental Insurance - RealCare Insurance Marketing is very active in the group and individual dental insurance marketplace. This is applicable for those wanting to investigate the dental insurance for an individual, group plan for a small start up, or a partially self-funded multi-state corporate group plan. They are there to assist you evaluate you needs, survey the market place, prepare side by sde plan and do price comparisons for your review, then they will be able to help implement the plans that you determine best that suits your needs.


Same assistance goes for the group and individual medical insurance. This assistance applies best to employers. They help narrow the volume of quotes and help you review the various options that best suit your selection for your company.

Life Insurance. Group life insurance is one of the least expensive employee benefits and one of the most important! RealCare Insurance Marketing can guide you with the different options and offer you FREE quotes to help you decide which option works best for your company.

Other insurance plans will be discussed further through their site to help you with your business.

So think about your future and your needs! Let RealCare Insurance Marketing work for you!

To know more about their company, you can visit their site at www.realcare.biz.

วันจันทร์ที่ 10 พฤศจิกายน พ.ศ. 2551

Medical Malpractice in Queens Fluctuates as Economic Crisis Sets In


Everyone is worried what is going to happen on account of the current economic crisis. Now that the shock of it all has settled down, people are trying to determine what the short and long term effects are going to be. In order for people to be confident in any sort of investment, banks are trying to ensure people that their money is safe despite the crisis. People are not only worried about their daily budget, but also about medical insurance and other types of regulatory measures that affects the everyday family life.

People are very in tune with the current election, because healthcare is a big issue. The two candidates proposals on healthcare are quite different, therefore people are going to base their current healthcare program on the proposals of their desired candidate. The fact of the matter is that medical malpractice is what is driving the hike in medical insurance costs. Medical malpractice in Queens has seen a lot of variation in the number of cases of medical malpractice that has stemmed from the area. So whoever learns the election is going to have a big impact on the price people are going to pay for healthcare.

Medical malpractice Queens is a very serious issue that has some people so scared to receive medical care, which people are tending to opt out entirely. Not being able to receive quality medical care at a decent price is something of big concern in the United States. Other countries like Canada where healthcare is provided for all has a better standard of living because people are not worried about how they are going to pay for medical insurance.

Elderly people and young adults are the most apt to not having medical insurance because it can tend to be very costly and out of touch with their current needs. In order to instill some quality of care in our medical institutions, affordable healthcare must be present in our nation. Instances of medical malpractice in Queens stem from medical professionals paying the duty of care needed to sufficiently take care of their patients. This is a very big problem that is currently being addressed as the 2008 November election comes closer. In order to reduce the amount of medical malpractice in Queens, we need both affordable healthcare and quality medical professionals to make this epidemic subside. In order to get these two things accomplished we need a change in our government that is hopefully going to come from the new president starting in 2009.

If you or a loved one has been directly affected by an occurrence of medical malpractice in Queens, contact a lawyer as soon as possible. A medical malpractice Queens’ lawyer will be able to stand up for you in a court of law and get you started on your path to justice. Medical malpractice settlements commonly cover medical expenses, loss of wages, as well as for pain and suffering.

Paul Justice gives advice to clients who are looking for attorneys to handle injury related cases such as medical malpractice, automobile accidents. To know more about medical malpractice NY, malpractice lawyer and medical malpractice Queens visit http://www.nbrlawfirm.com

» by pauljustice30@gmail.com

วันเสาร์ที่ 1 พฤศจิกายน พ.ศ. 2551

With consumers paying more for less coverage, experts say Americans need an insurance adjustment


Los Angeles Times

Jennifer and Greg Danylyshyn of Pasadena, Calif., are conscientious parents. They keep proper car seats in their used BMW, organic vegetables in the family diet and the pediatrician’s number by the phone.
They don’t have access to the group medical insurance offered by many employers. She’s a stay-at-home mom. He’s a self-employed music supervisor in the TV and film industry. So they buy individual policies for each family member.

As careful consumers, they shopped for the best deals, weighed premium costs against benefits and always assumed they could keep their family covered.

Then last spring Blue Shield of California stunned them with a rejection notice. Baby Ava, their happy, healthy 7-pounder, was born with a minor hip joint misalignment. Her pediatrician said it was nothing serious and probably temporary.

Still, Blue Shield declared the infant uninsurable. The company foresaw extra doctor visits, “the need for monitoring and an X-ray.” Ava’s slight imperfection “exceeds ... eligibility criteria for acceptance,” Blue Shield said.

The family’s experience is symptomatic of the nation’s health-care crisis. Ineligible for group insurance, millions of Americans are paying more for individual policies that offer less coverage and expose them to seemingly arbitrary exclusions and denials.

The health insurance system has become increasingly expensive and inaccessible. It leaves patients responsible for bills they understood would be covered, squeezes doctors and hospitals, and tries to avoid even minuscule risks, such as providing coverage to a newborn with no serious illness.

At the heart of the problem is the clash between the cost of medical care and insurers’ need to turn a profit.

Today, four publicly traded corporations — WellPoint Inc., UnitedHealth Group, Aetna Inc. and Cigna Corp. — dominate the market, covering more than 85 million people, or almost half of all Americans with private insurance.

On Wall Street, they showcase their efforts to hold down expenses and maximize shareholder returns by excluding customers likely to need expensive care, including those with chronic diseases such as asthma and diabetes. The companies lobby governments to take over responsibility for their sickest customers so they can reserve the healthiest (and most profitable) for themselves.

Meanwhile, insurance premiums are becoming a heavier burden on employers, many of which say that rising health-care costs cut into their ability to compete and, in some cases, to survive.

As a result, the percentage of Americans covered by traditional group health insurance has declined steadily. Nearly 46 million U.S. residents have no insurance at all. Medical debt has become a leading cause of personal bankruptcy and a growth business for collection agencies.

Even some top insurance executives agree the system is inefficient and sometimes inhumane.

Bruce Bodaken, chief executive of Blue Shield of California, says that universal coverage is the answer.

Bodaken says government should mandate that everyone obtain health insurance and that insurers sell to all comers regardless of their health — similar to a plan proposed by California Gov. Arnold Schwarzenegger and defeated in that state’s Legislature last year.

The rationale of universal coverage, the norm in other industrialized countries, is that costs are manageable when everyone is covered because the risk pool includes the young and healthy to offset the older and sicker.

“One of the basic goals of universal coverage should be to change the health coverage business from avoiding risk to balancing health risks and focusing primarily on quality, service and cost-effective delivery,” Bodaken wrote recently in the policy journal Health Affairs.

In the absence of such a system, and with group coverage increasingly unavailable, more and more Americans are left to rely on individual health policies. They are more expensive for all but the young and healthy and often provide fewer benefits.

They also are lightly regulated. Unlike group plans, which must accept all qualified applicants and can’t base a member’s premium on his or her medical history, individual plans in most states are free to cherry-pick the healthiest customers.



Insurers can reject applicants for even mild pre-existing conditions. People have been turned down for individual policies because they have hay fever, have suffered from jock itch or use common medicines such as anti-cholesterol drugs, records and interviews show. Even those lucky enough to have insurance are uncertain they can keep it or count on it in a crisis.

During her pregnancy, Jennifer Danylyshyn’s regular visits to her obstetrician were covered by her Blue Shield policy. So was the delivery of Ava on March 24. The couple expected that Ava would be covered as a matter of course.

When the company rejected the baby because of the hip misalignment, her parents appealed with the help of their pediatrician.

“Certainly, this cannot be a condition which warrants the denial of insurance benefits; especially to this beautiful, healthy baby girl,” wrote Dr. Stephanie A. Heller.

Blue Shield refused to budge.

Meanwhile, the Danylyshyns kept to their well-baby schedule. Ava received her regular checkups, weigh-ins and vaccinations. But the doctor bills went to the couple, not to Blue Shield.

Then, before Ava began to crawl, her joint problem corrected itself. Presented with a clean bill of health from an orthopedic specialist, Blue Shield agreed to insure Ava — after six months and more than $2,000 in unreimbursed care.

The insurer agreed to cover only Ava’s future medical needs. The tab for the care she had received was her parents’ responsibility.

Blue Shield spokesman Tom Epstein called Ava’s case “a good example of what’s wrong with the current system and why it needs to be fixed.”

Insurers insist that they can’t stay in business without excluding chronic disease sufferers, known in the industry as “clinical train wrecks.”

But companies in the individual market also want to avoid even marginal risk — adopting a practice some insiders call “hangnail underwriting.”

Even nonprofits such as Blue Shield of California are obliged to follow prevailing market practices, lest they be swamped with the highest-cost customers.

“That’s the game,” said Cindy Ehnes, director of the California Department of Managed Health Care. Risk selection, she said, “must be part of every insurer’s strategy or else they potentially will get all the bad risk.”

Insurers trying to lure the healthiest and most profitable customers are devising less expensive, stripped-down policies aimed at younger buyers.

Tonik, for example, offers a line of low-priced individual plans with deductibles as high as $5,000 a year. It is a product of WellPoint Inc., the parent of Anthem Blue Cross of California, and promises starting premiums as low as $74 a month.

The plan provides no maternity care, excludes most mental health coverage and is limited to generic drugs.

วันจันทร์ที่ 13 ตุลาคม พ.ศ. 2551

Expat insurance plan hits snag


By SOMAN BABY

PLANS to introduce compulsory medical insurance for expatriates were dealt a body-blow yesterday, with the revelation that legislation to make it possible had fallen between the cracks.

There is no such legislation on the table for either parliament or the Shura Council to vote on, since the original proposal had lapsed, said MP Dr Aziz Abul.

He said even if it was reactivated immediately, it would take months to work its way through the legislative system.

Neither the government, parliament nor the Shura Council has reactivated it since being first presented as a proposal to parliament in June 2006, said Dr Abul.

"It is now lying idle somewhere between the three entities," he told a Medical Insurance Workshop at the Movenpick Hotel yesterday.

The two-day workshop was organised by the Bahrain Insurance Association (BIA), under the patronage of Health Minister Dr Faisal Al Hamer.

The proposal was first drafted by the government in a legal format and presented to the Shura Council in 2005, said Dr Abul.

"The council approved it as a proposal and the government redrafted it in legal language and sent it to parliament in June 2006," he revealed.

"As it happened during the end of the session of the last parliament, the sub-committee was not able to finish its work.

"As the new election got under way in October 2006, the proposal lapsed.

"It is now up to the government to request parliament to reactivate the proposal. The proposal is now on the shelf somewhere."

Dr Abul said parliament would activate the proposal if the request was made by the government.

"If that happens, it may take three months for the sub-committee to finish its work and send it to the Shura Council for a review, and from there to His Majesty King Hamad for the royal assent," he added.

Health Ministry Under-Secretary Dr Aziz Hamza said earlier that a draft law on compulsory health insurance was presented to the Shura Council in April 2007, and that the ministry was now waiting for approval by parliament and the Cabinet.

Records

"I checked the records both at parliament and the Shura Council and I was not able to find any draft law presented last year," said Dr Abul.

"Also, as it is already approved by the Shura in 2005, there is no need to present it again there.

"Now it is the job of parliament to study and approve it. What I want to say is that the proposed bill is not now in the legislative process."

On the feasibility of the compulsory medical insurance, Dr Abul said the private sector was not yet prepared to share another burden.

"The global economic crisis has affected businesses in Bahrain as well," he added.

"If the scheme is enforced now, the employers will transfer the extra costs to the consumers, which will only add to the inflationary effect .

"However, it is important to have medical insurance for expats. But we have to wait for the right time to implement it.

soman@gdn.com.bh

วันอังคารที่ 23 กันยายน พ.ศ. 2551

Poorer Americans Less Likely to Get Timely Heart Attack Care


by Jyoti Pal

According to a latest research, poorer Americans as well as those covered through Medicaid are less likely to get timely treatment in case they suffer a heart attack, in comparison to those who are wealthier or have a better insurance coverage than that offered by Medicaid.

Residents of lower-income neighborhoods – those with annual income less than $33,533 – were more likely to reach the hospital after a longer delay than the recommended time span of ‘within two hours of heart attack symptoms’, a new research published in the latest issue of the journal Archives of Internal Medicine touted.

The Atherosclerosis Risk in Communities (ARIC) study analyzed medical records of more than 6,700 men and women who had heart attacks between 1993 and 2002. Their residential addresses were then matched with social and economic data from the 2000 U.S. Census.

Based on links established, the researchers broadly classified household income levels as either; low (less than $33,533); medium (between $33,533 and $50,031); and high (over $50,032). Furthermore, the delays in reaching hospital were broken into three categories: short delay (less than 2 hours); medium delay (2-12 hours); and long delay (12 to 72 hours).

Data analysis revealed that while 36 percent of the patients reached the hospital within two hours of developing heart attack symptoms (short delay), nearly 42 percent experienced a medium delay (2-12 hours) and 22 percent experienced a delay longer than 12 hours.

A deeper investigation highlighted that although the low income patients were more likely to live closer to the hospitals than persons in the high income strata, they were still more likely to have a long (more than 12 hours) or moderate (two hours to 12 hours) delay in seeking the life-saving treatment.

"Low neighborhood household income was associated with higher odds of long vs. short delay and medium vs. short delay compared with high neighborhood household income in a model including age, sex, race and study community" noted, Randi Foraker, lead author of the study and a predoctoral fellow at the University of North Carolina at Chapel Hill.

Moreover comparing patients covered by Medicaid with those insured by other prepaid insurance plans, Medicaid patients were more likely to experience medium and long treatment delays, the researchers found.

Meanwhile, the study fails to examine why heart attack patients in lower-income range and those covered by Medicaid face a slower response time to get to hospitals.

Emphasizing on the fact that ‘timing of treatment’ is crucial in heart attack patients to avoid further muscle damage, Foraker said, "awareness campaigns should be targeted in lower-income areas and for those using Medicaid."

วันอังคารที่ 16 กันยายน พ.ศ. 2551

Mbask charter capital to grow due to revaluation of assets


Baku, Fineko/abc.az. Mbask, a domestic insurance leader of Azerbaijan, is preparing to start process of its charter capital increase.

Rahman Hajiyev, general director for business & quality and a board member of Mbask, said that their charter capital will rise due to revaluation of assets.

“The increase will be carried out probably at the expense of profit as well,” Hajiyev said.

Mbask’s premiums are expected to reach around AZN 24 million before the end of 2008.

“At present we are considering several options for increase of charter capital, due to which charter capital will rise up to AZN 5-10 million. The final decisions will be made depending on the calculations of one of our major shareholders – the European Bank of Reconstruction and Development (EBRD). It will determine the way to increase the capitalization from the point of view of its strategy in MBASK and insurance market as a whole.

Company’s overall capital makes AZN 3.7 million. For Jan-Jun 2008 Mbask brought its premiums up to AZN 12.511 million. The indicator exceeds the 2007 same term figure by 166%. At the same time for Jan-Jun 2008 the share of premiums on motor insurance totaled 72% (AZN 9.017 million), medical insurance 7.2% (AZN 899,380), and property insurance 5.2% (AZN 655,955).

วันพุธที่ 3 กันยายน พ.ศ. 2551

Turkish medical care 'of high quality'


In news that may interest those thinking of investing in Turkish property, it has been stated that the quality of medical care in Turkey is of a very high standard, meaning that those who go to live there or undertake long holidays need not worry about their treatment should they need it.

Dominic Whiting, editor of the Buying in Turkey property guide, told Property Wire: "The quality of care is equal and in many cases far superior to that available in the UK," adding that most staff in tourist-orientated areas speak English.

The portal notes that for those staying in the country a long time, private medical insurance could be had for as little as £1,320 to cover a 40-year-old couple for a year.

Those investing in Turkey and pleased to have done so include Scottish investors John and Isobel Ferguson, the Sunday Mail reported at the weekend.

Mrs Ferguson told the paper there was "no way" they could have got anything in Scotland to compare with the two-bed flat in Altinkum that they acquired for just £32,000.

วันพุธที่ 27 สิงหาคม พ.ศ. 2551

Governor Patterson freezes medical malpractice rates


Former Governor Spitzer formed a statewide task force - to define the main causes of medical malpractice and find out what contributes to the high cost of insurance against such claims.

Washington, D. C. (JusticeNewsFlash.com – medical malpractice news Report) – A bill- proposed to give relief to doctors who have experienced extremely high premiums; suspend an anticipated surcharge until next June and give the state more time to find a long-term solution to the medical malpractice problems – was signed by Governor Patterson of New York. This was part of $1 billion cuts to state spending. Various lawmakers stated in Congress this week that without the freeze, physicians would have seen a 30 percent rise in rates.
According to the New York Public Interest Research Group, ‘the freeze shouldn’t affect patient care and that time is needed to work out the difficult problem of high rates,’ because it has been noted that many physicians are claiming that high insurance rates are driving them out of the state and reducing the availability of care. When really it is about careless doctors making mistakes and insurance companies rating the insurance risk of physicians.

Richard F. Daines, M.D., Commissioner of the New York State Department of Health, said: “This temporary freeze demonstrates the Governor’s and Legislature’s commitment to assuring that New Yorkers have uninterrupted access to the full range of health care services. At the same time, it will foster an environment in which the stakeholders can come together to continue the hard work we began last year to reach an agreement on real reform. I call upon the physicians who will benefit from this freeze to join the Department of Health in our continuing effort to increase patient safety and eliminate preventable medical errors.”

By: Justice News Flash - Medical Malpractice news correspondent

วันเสาร์ที่ 23 สิงหาคม พ.ศ. 2551

Smiles all around


Lindsey Johns went to Brooklyn Elementary School Friday morning to enroll her son in kindergarten.
But she also left with two free dental screenings for both her sons, Jayc, 5, and Jaden, 2, who have not yet seen a dentist because they are without insurance.


Lindsey Johns went to Brooklyn Elementary School Friday morning to enroll her son in kindergarten.

But she also left with two free dental screenings for both her sons, Jayc, 5, and Jaden, 2, who have not yet seen a dentist because they are without insurance.

"This is wonderful," Johns, 26, said while filling out paperwork. "I probably still would not have taken him to the dentist if this hadn't been here."

Two dental hygienists, Kim Crabtree and Betsy Southern, co-founded the nonprofit program called Smiles on Wheels, which turned an ordinary classroom into a dental office Friday to provide free treatment for Head Start and elementary children who do not have dentists.

"They're very happy, very thankful," Southern said. "We came out here because transportation is a problem."

The mobile dental program provides preventative oral screenings, including cleanings, fluoride treatments and X-rays, to anyone who is not under the care of a dentist.

The idea, both hygienists said, is to get those people back into the dental health system. Oftentimes, people stop going to the dentist after life changes, such as depression or job loss, and need help getting reacquainted, said Crabtree of Napoleon.

"Our main goal is to find each patient a dental home," she said.

Many of the patients the women serve have visited a dentist few times, if at all, in their lives. And they range in age from 100 to zero, Southern said.

Reese Pawlowski, 4, was a little uneasy about his first screening Friday but was showing off his teeth to Crabtree in no time. She applied a fluoride treatment to his teeth with a small, yellow paint brush.

"Boy, buddy, your teeth are looking good," Crabtree said.

"Uh-huh," he responded.

At the end of the appointment, Southern, of Jackson, gave Reese's mother, Lynn, a list of offices they could go to for a dental checkup, including the Center for Family Health, which takes all children and asks for payment based on income, Southern said.

"It's great to provide some intervention for the kids," Brooklyn Principal Debra Powell said. "Especially now that people are losing jobs and don't have dental or medical coverage."

Smiles on Wheels will also provide free sealant, which protects molars from decay, to all second-graders in Jackson County again this year as part of a two-year grant it received through the state Department of Community Health and Delta Dental.

This year, it will also give the same treatment through a grant to all sixth-graders because they will be getting their second set of molars.

วันจันทร์ที่ 18 สิงหาคม พ.ศ. 2551

Medication for Huntington's Disease Approved by FDA


Among the classic signs of Huntington's disease is the development of chorea, involuntary, rapid, irregular, jerky movements that may include the face, arms, legs or trunk. The disease is hereditary and includes progressive neurodegenerative symptoms including emotional, behavioral and psychiatric abnormalities. The condition was originally described in 1872 by Dr. George Huntington, who studied a Long Island family with a high percentage of affected members. Symptoms of the disease are usually not apparent until the individual is in their late forties to early fifties.

Since the disease was first discovered 136 years ago there has been little effective treatment and no hope for those affected with the disease. The neuron loss, which is the root of the disease, is not fatal but the complications reduce life expectancy. Since it is a dominant trait in the genetic inheritance sequence it can be inherited when only one parent carries the gene.

In 1993, the gene which causes HD was found and, with the cause of the disorder known, an accurate test became possible. The disease is not widespread, with only about 30,000 patients in this country currently living with HD. With a relatively low patient base, drug companies would have problems providing an affordable drug for the population and meeting their own need for profitability in research and production.

Under an FDA policy known as the "orphan products program," aimed at developing treatments for conditions which affect fewer than 200,000 people, a medication named Xenazine has been approved. The orphan products program gives financial assistance to the company who is developing the product and also gives the company exclusive sales rights to the product for a specific number of years.

Xenazine is the trade name of tetrabenazine and has been previously approved for treatment in Australia, New Zealand, Canada, Denmark and UK. It has been used in the treatment of Tourrette's syndrome which is also characterized by uncontrollable movements.

Dr. Frederick J. Marshall, a University of Rochester Medical Center neurologist who led the clinical study presented to the FDA said, "A lot of patients won't go out because they are embarrassed by those movements; suppressing the movement means a lot to people with Huntington's disease." Xenazine will not cure the condition, but it provides relief for the major disabling symptom of chorea. This is the first time that any kind of treatment has been available in the United States.

Xenazine does have the possibility of serious side effects and the patients treated with the drug will be monitored by a special risk management program for increase of psychiatric symptoms.

According to Marshall many patients with Huntington's have gone untreated, others have experimented with anti-psychotic drugs or imported Xenazine from abroad in violation of U.S. law. Approval of the drug means that patient's medication should now be approved by Medicare and other insurance programs.

วันอังคารที่ 12 สิงหาคม พ.ศ. 2551

Marathon swim will raise money for water projects


Cambridge businesswoman Jenny Kartupelis has taken on the challenge of swimming 4.5km across the Hellespont - the crossroads from Europe to Asia, arguably the most iconic swim in the world - later this month. She wants to raise money to support Christian Aid water projects, and hopes local companies and individuals will dig deep to sponsor her.


Clean water is something we all take for granted – even in the dry climes of East Anglia. It’s hard to imagine waking up thirsty in the night with nothing to drink, or trudging miles in the hot sun to collect a bucket of muddy water that might make you ill rather than better. But millions of people have to do this every day, many of them young children.

Christian Aid water projects can change their lives, giving them improved health and opening up new life chances by freeing their time for education, and Elements PR partner Jenny Kartupelis has taken on the challenge of swimming across the Hellespont at the end of this month to raise money to support this charity. The exciting news is, that if she can reach her fundraising target, then the EU will put in £3 for every £1 raised!

The Hellespont is the crossroads from Europe to Asia, and arguably the most iconic swim in the world. For one day a year, the Turkish government closes it to shipping for one and a half hours, and hundreds take part in the race across a distance of 4.5 km, following in the footsteps of Leander and Byron.

Jenny is training as hard as she can in between her business commitments as Director of the East of England Faiths Council and her work at Elements PR, and says: ‘I’ll be doing breaststroke, so it will be a real challenge to complete it in time - and I’ve been told that if you don’t, the Turkish Navy picks you out of the water!’

NW Brown, a leading Investment and Financial Services provider, is the primary sponsor for Jenny in her demanding challenge. NW Brown Insurance Brokers, a subsidiary of the Group, is adding to the financial sponsorship by providing Jenny’s medical cover up to £5million.

But she still needs sponsorship to help her reach the target that releases the EU funding – do please visit her web site www.justgiving.com/jennykartupelis and support her efforts as generously as you can. Alternatively, give Jenny a call on 01223 421606 to find out more.

วันอาทิตย์ที่ 10 สิงหาคม พ.ศ. 2551

Medical personnel offer helping hand in Cleveland


By: Randall Higgins

CLEVELAND, Tenn. — Hundreds of people were in line by 6:30 a.m. here Saturday seeking free medical, dental and eye care because they can’t pay, have inadequate insurance or none at all.

Scores of volunteer doctors, dentists and ophthalmologists expected to treat nearly 500 people Saturday. Others were given numbers for their turn in line when the clinic resumes today.

The clinic is provided by Knoxville-based Remote Area Medical Volunteer Corps, founded by Stan Brock, best known for his role in television’s “Wild Kingdom.” The St. Therese Parish Health Ministry organized the RAM clinic here, as it did in 2005.

Tia Triplett and two friends drove from the Atlanta area Friday evening and spent the night here.

“I have a job but there’s no dental coverage,” Ms. Triplett said. “We got here Friday evening and spent some time in several restaurants. It was like an eat-athon around Cleveland.”

For complete coverage see tomorrow’s Times Free Press.

วันอังคารที่ 29 กรกฎาคม พ.ศ. 2551

US Medical Errors Cost Insurers Up To $1.5 Billion A Year


By Diane Anderson

According to a new study published in the Health Services Research journal, preventing medical errors would reduce not only loss of life, but also healthcare expenses by up to 30 percent.

William Encinosa, co-author of the study, together with his colleagues, tracked insurance claims for 5.6 million enrollees from 2001 to 2002. The team reached the conclusion that the consequences medical errors have persist for a long time after patient’s discharge.

U.S. researchers disclosed that the considerable difference in calculations for medical error costs can signify that interventions to raise patients’ safety, such as bringing more hospital staff, could be more profitable than previously considered.

As shown by a government report available since Monday, avoidable medical errors during or after surgical procedures result in an estimated 10% of surgery-related deaths. Such fatal mistakes may cost hospitals almost $1.5 billion every year.

Insurers had to pay an extra $28,218 (52 percent more) and an extra $19,480 (48 percent more) for patients who experienced acute respiratory failure or infections which appeared after surgery, in contrast with patients who didn’t undergo either medical error, researchers found.

Errors linked to nursing care, such as pressure ulcers and hip fractures, added $12,196 to the amount of money insurers had to pay.

“Many hospitals are struggling to survive financially," stated Encinosa, who is also a senior economist at the Agency for Healthcare Research and Quality. "The point of our paper is that the cost savings from reducing medical errors are much larger than previously thought," he added.

"Eliminating medical errors and their after effects must continue to be top priority for our health care system," said AHRQ Director Carolyn Clancy in a declaration.

วันอาทิตย์ที่ 20 กรกฎาคม พ.ศ. 2551

Patients of jailed doctor Robert Stokes join push for dirty-needle penalties


GRAND RAPIDS -- When they found out a Grand Rapids doctor might have exposed them to hepatitis and HIV, many of his patients were scared.

When they learned Dr. Robert Stokes' habit of reusing sutures, hypodermic needles and other instruments without proper sterilization did not violate any criminal law, their fear turned to anger.

"Something's got to be done," said Bob May, the mayor of Hastings who was treated by Stokes for skin cancer. "It should be legally improper to do what he did, as well as morally. We cannot allow these doctors to do this to the public."

Stokes, a dermatologist, was sentenced last December to 10 1/2 years in federal prison for insurance fraud, not for potentially exposing thousands of patients to life-threatening infections. Investigators could find no federal law against his practice of reusing surgical materials and instruments intended for one-time use. State law provides only civil, not criminal, penalties.

The state board that licenses osteopathic physicians revoked Stokes' license in March, the strongest penalty available under current law, said Ray Garza, director of the health regulatory division of the state Department of Community Health. Stokes can apply for reinstatement in five years, Garza said, although, barring a successful appeal, he likely will still be in prison.


Eighteen of Stokes' former patients sued him for medical malpractice last year, and some of those cases have been settled through mediation. But several of his former patients say civil penalties aren't enough. They've joined together in urging for a tougher state law making it a crime for a medical provider to expose patients to disease, and they have formed a loose alliance with another group pushing for a similar federal law.

State Rep. Michael Sak, D-Grand Rapids, is having a bill drafted that would set tougher penalties. State Sen. Bill Hardiman, R-Kentwood, recently introduced a bill prohibiting health care providers from reusing medical devices intended for a single use, even if they have been reprocessed, unless the patient provides written consent.

วันศุกร์ที่ 18 กรกฎาคม พ.ศ. 2551

Canadian missionaries will return to Kenya, following attack


By Lloyd Mackey

WILL THEY stay in Kenya, or will they come home to the Okanagan?

That was a burning question for John and Eloise Bergen, after they were attacked by machete-wielding men apparently recruited by one of their former security guards.

The short answer is that they will shortly come home for healing, but return sooner rather than later, to their work in Kenya.

The attack took place Wednesday evening, July 9, at the Bergen's colonial-era home and organic farm, near the agricultural town of Kitale. Both John, 70, and Eloise, 66, were left with deep cuts and multiple broken bones, and Eloise was repeatedly raped for close to an hour by her attackers.

The Bergens, who come from Vernon, had been in Kitale for four months. They went there originally to work in refugee camps during the post-election unrest. When that conflict ended with the establishing of a national unity government, and the camps were disbanded, they began organic gardening to supply food to the numerous orphans and widows in the area.

The programs involving the Bergens are sponsored by a coalition involving Kelowna-based Hope for the Nations ministry and partner group Love Mercy.

Eloise spoke to CC.com by phone from her bed in the Nairobi Hospital on July 12, while her husband was recovering from surgery which included the placing of a titanium plate in his broken jaw.

She said she was attacked while taking a bath in their home.

"I saw four or five black men with machetes and clubs," she recalled.

"But I sensed a surrounding pillow of God's presence. It was terrible but there was no overwhelming fear."

She said the attackers clubbed her, tied her hands with her husband's shaver and cell phone adapter cords.

"They left me with blankets over me and mattresses. I asked God to help me to get free, then remembered where I had scissors."

Eloise backed herself to where they scissors were, manoeuvring to where she could to cut the cords.

"Then I went outside to find out what happened to my husband."

Other attackers had beaten him up and left him for dead in the bushes at the side of their driveway. He had broken bones in several parts of his body. Both of them were bleeding profusely from the machete cuts.

With what she believes was help from God himself, Eloise was able to start the unfamiliar farm vehicle, get herself dressed and a pillow and blankets for John.

Then she hauled the "dead weight" of her almost unconscious husband into the truck and headed off to the HFN Kitale compound 10 kilometres down the road. A few gates blocking the road at various points quickly gave way to the careening vehicle.

วันเสาร์ที่ 12 กรกฎาคม พ.ศ. 2551

DSM falls as Iran fears grip Gulf bourses


By Santhosh V Perumal

Doha: Qatar’s bourse fell 0.87% yesterday as foreign institutional investors yesterday dumped stocks with Iran testing more missiles.
Led by services stocks, the 20-stock benchmark Qatar Share Index entered the sixth day of a bear run as it knocked off 103 points to close at 11,751.10 points.
The Doha Securities Market, however, has made 22.66% gains year-on-year.
Nakilat, Qatar Telecom, Qatar Electricity and Water and Qatar Navigation stocks fell 4.04%, 3.47%, 2.61% and 1.60% respectively.
Total market capitalisation shrank 0.10% or QR51mn to QR499.95bn.
Mid cap stocks deflated 1.85%, followed by micro cap (1.60%), large cap (1.07%) and small cap (0.76%).
Services stocks lost the maximum of 2.49%, followed by banks and financial institution (0.27%) and industries (0.10%), while that of insurance gained 1.12%.
Of the 43 stocks, only seven extended gains, while 28 fell and four were unchanged. Four others were not traded.
“Foreign investors have increasingly become wary of the current situation in the Middle East, especially after Iran’s missile firing,” an analyst told Gulf Times.
Other losers included Salam International Investment (2.84%), Qatari German Company for Medical Devices and International Islamic (1.82% each), Qatar Insurance (1.56%), and Gulf Holding and Qatar Technical Inspection (1.50% each).
Ezdan Real Estate stocks gained 8.86%, followed by Islamic Securities (6%), Al Khaleej Insurance and Reinsurance (1.33%), United Development Company (1.31%) and Islamic Insurance (1.12%).
Foreign institutions were profit takers as a lower 16.26% of them were into buying yesterday compared with 19.03% in the previous day, while a higher 35.49% into selling against 29.82%.
Domestic institutions, on the other hand, net buyers as higher 20.24% of them bought stocks compared with 14.43% on Wednesday although a higher 10.63% offloaded against 8%.
Qatari retail investors reduced their exposure as a lower 51.98% of them were into buying compared with 54.77% in the previous day and a lower 42.37% into selling against 50.49%.
Non-Qatari retail investors also reduced their exposure as a lower 11.52% of them picked stocks compared with 11.77% on Wednesday and a lower 11.52% sold against 11.68%.
Opening at 11,853.61 points, the market initially fell on selling in the banks and industrial segments, after which it was on a gaining course for the next 15 minutes due to banking, insurance and industrial sectors.
Thereafter, the QSI was gripped by profit taking, notably in the services stocks and closed 103 points lower.
Total volumes expanded 57% to 11.66mn shares, value by 50% to QR0.63bn and transactions more than doubled to 8,148.
Insurance trading volume zoomed 75% to 0.21mn shares, value by 79% QR20.53mn and deals by 103% to 298.
Services trading volume rose 69% to 6.79mn shares, value by 58% to QR316.88mn and transactions by 30% to 4,092.
Industrial trading volume increased by 61% to 0.98mn shares, value by 59% to QR69.94mn and deals by 11% to 1,176.
Banks and financial institutions trading volume was up 38% to 3.69mn shares, value by 39% to QR222.49mn and transactions by 37% to 2,582.
The top five traded entities were Nakilat (3.45mn shares); Masraf Al Rayan (1.93mn); Gulf International Services (904,636); Barwa (719,790) and Doha Bank (702,762).
Zawya Dow Jones adds from Dubai: Gulf markets closed mixed yesterday as concerns about Iran’s stand-off with the West over its nuclear plans continued to impact investor sentiment in the region.
The Saudi market was closed for the weekend.
Dubai shares slid 1.1% to 5347.84 at close, led by DFM Co, down 2.4% to 4.95 dirhams. The market was up 0.8% on Wednesday.
Abu Dhabi market closed 0.2% lower at 4996.50, undermined by real estate shares. Aldar Properties fell 2% to 12.10 dirhams.
First Gulf Bank bucked the negative trend, up 3.3% to 27.65 dirhams. Aabar Energy rose 2.6% to 4.71 dirhams.
Kuwait’s market rose 0.8% to 14895.40, led by bellwether National Bank of Kuwait, up 2.2% to 1.840 dinars.
NBK on Wednesday posted a second-quarter net profit of 93mn dinars, a 16% increase from the 80.3mn dinars it posted in the same quarter last year.
Bahrain shares were up 0.2% to 2848.97 at close, led by banks.
Muscat market closed 0.1% higher at 11718.18, helped by bellwether Bank Muscat, up 1.9% to 1.851 rials.

วันพุธที่ 2 กรกฎาคม พ.ศ. 2551

Schmucker: “I’m doing what I feel is right”


Kaufman third baseman splits time between diamond and mission trips
By Jonathan Scholles

The Budget
Sports Editor

Kaufman Realty third baseman Ryan Schmucker loves baseball - so much so that he apologizes over and over again if he has to miss a game.
But at the same time, he recognizes he has a greater calling.
And he’s taking full advantage of it.
In the past year, Schmucker, a first-year medical student at Wright State University, has taken two missions trips - Haiti last summer and Russia this spring - and recently returned from Chicago where he worked with a team a doctors to help provide medical treatment to inner city children.
“Ryan helped me to remember that what really matters is the kind of people we are, and not whether they hit .500 or have a 1.000% fielding percentage,” Kaufman Realty manager Chuck Jarvis said. “Ryan just personifies that.”
The 22-year-old son of Wes and Kris has played for the Orangemen for three seasons. He’s batting .333 with two RBIs in three games this summer.
JS: You obviously love baseball - you wouldn’t keep coming back if you didn’t. How hard has it been lately splitting duties between baseball and your missions work?
RS: Last summer, I was only there two games before I went to Haiti. And this summer, I’ve been doing quite a bit of traveling, working with different doctors and things. When I make a commitment, I like to follow through - especially with Kaufman. So I feel bad when I miss, but I feel that’s important for me to get this work in, and I think the work I’m doing is important, as far as helping with the poor and poverty stricken kids.

There is kind of a dichotomy there. I want to be at the games, but at the same time, I’m doing what I feel is right.

JS: How did you get involved in the mission trips?
RS: I was looking to do an internship before I started medical school, and I really wanted to work overseas. I heard a lot of people talk, and I heard about the problems they have over in Haiti - the poverty down there is just unbelievable. So I thought if I can go down for a month and a half, it would be great experience, but more so, I would be able to help out in a small way.
And being in the position that I’m in - coming from a middle class family - I have the resources to go help people who are less fortunate. I felt called upon as a Christian to do so. I wasn’t a difficult decision, and I would like to do more traveling. With the world in the state it’s in, there’s a lot of need.
JS: What did you see as the biggest need in Haiti?
RS: The economic conditions down there prevent people from having clean water, having a house that is protected from the elements and protected from diseases. There were multiple things that ultimately contributed to the health of the people, which is what I was focusing on. We were just putting a band aid on a big wound that wasn’t going to heal itself without more activism.
JS: That’s incredible. What would you say you gained the most from the experience?
RS: Perspective. Getting to see how people live across the world was eye-opening. And then when I returned to the United States there was quite a bit of culture shock, because we have so much and we don’t even realize it - we just take it for granted so often. Even small things like saving up my money by not purchasing the things I don’t need so I can send it overseas. It’s the redistribution of our world’s economy - one person at a time.
JS: And then you went to Russia. What happened there?
RS: When I was Russia, we worked with orphans. And the orphanage system in Russia is decimated - there is no accountability for the children, and there is one or two directors for every 50 children. So when we went over there, we got to work in a classroom, and I was assigned to a classroom with five kids - ages three and four.
We got to spend four days with them - it was a short trip over spring break. And by the end of the trip, they way they reacted to us was so much different that when we got there, because they weren’t used to adults showing them any affection at all. They went from having a glazed over look to running up and sitting on our laps and not wanting us to leave. It was that physical, emotional affection that we were giving them that completely changed them in a matter of days.
We felt like, in a small way, we made those children feel wanted for the week that we were there.
JS: You recently completed your first domestic missions trip, a clinic (Lawndale Christian Health Center) in Chicago. Why Chicago? What work is done there?
RS: I was working with a pediatrician there. Lawndale is a health clinic for those who can’t afford any other health care - they don’t have insurance or Medicare, Medicaid or things like that. They charge $15 dollars a visit, which considering doctors rates these days isn’t much. It allows them to give comprehensive care to the children of the community, as well as the adults. Right now, they have about 40 doctors working there of all specialties. Basically they provide health care for the whole inner city - and it’s the premier inner city mission, medically speaking, in the nation.
JS: What’s was it like going from Haiti and Russia - both poor countries - to inner city Chicago, which has its own blight?
RS: In Haiti, the poverty was a lot worse than in the United States. But poverty, to the person who is poor, is not relative. ... You’re right, there is a difference in the level of poverty, strictly economically speaking. But, boy, inner city Chicago is like a different country almost - the violence, the poverty.
JS: As far as you medical career is concerned, how will these mission trips aid you?
RS: I want to be able to bring health care to places that don’t have anything. There is an abundance of places like that. And health care is the best way to help the tangible needs of the people. I love what I do. I love medical school. And I love the field of medicine in general. With that I feel I can help people overseas in my unique way.
JS: Would you consider yourself as being more of a humanitarian/doctor, as opposed to one whose confined to a hospital?
RS: Absolutely. There is a lot of monetary gain to be had in medicine today, but absolutely I would like to work in humanitarian aid all over the world. But at the same time, I would treat people back in the United States as well. The driving factor, for me, is not living the suburban life.
To learn more on mission trips to Haiti, check out Lifeline Christian Missions, of Columbus, at lifeline.org. Or look up The Boaz Project Inc., of Indianapolis, at boazproject.org for more info on the Russian orphan situation. And to get involved with the Lawndale Christian Health Center, of Chicago, visit lawndale.org.

วันจันทร์ที่ 30 มิถุนายน พ.ศ. 2551

SCPIE Acquisition Closes


By DEBORAH CROWE

Los Angeles Business Journal Staff

Medical malpractice insurer SCPIE Holdings Inc. said Monday that its merger with Doctor Cos., a Northern California competitor, has closed.

The California Department of Insurance last week approved the $296 million acquisition of the Los Angeles-based medical malpractice insurance provider by Napa-based Doctors.

SCPIE shareholders approved a deal in March that would turn SCPIE into a wholly owned subsidiary of Doctors. Regulators were examining whether the acquisition would shrink competition and raise premiums.

Under the deal, Doctors will acquire SCPIE for $28 per share for an aggregate purchase price of $281 million. Shares of SCPIE, which closed at $27.99 on Monday, was to be delisted at the end of the trading day.

วันพุธที่ 25 มิถุนายน พ.ศ. 2551

First person: An interview with Dr. David Loxterkamp


By Jay Davis
VillageSoup/Waldo County Citizen Senior Reporter

Some look ahead to a single-payer system like those in developed countries around the world. Some look back to when doctors were revered in their communities and care was measured in relationships, not dollars.

Dr. David Loxterkamp, a family physician in Belfast for more than 20 years, looks both ways and finds a “patient-centered medical home,” the modern-day embodiment of values as old as Hippocrates.

Loxterkamp is an articulate man, as befits a doctor whose account of a year in his practice was well-reviewed nearly a decade ago.

On a sunny Saturday recently, he sat among the peonies and irises and clematis outside his Salmond Street home and talked for two-and-a-half hours about what he sees ahead. Parts of that future are as bright as a blossom, but storm clouds are in the picture, too.

When he trained as a family physician 30 years ago, Loxterkamp said he spent almost half his time in hospitals, learning how his patients were treated there. He delivered babies, lots of them, and he considered his relationships with patients an important element of their care.

Today, he said, medicine is dominated by specialists, care is procedure-oriented, and the family physician is disappearing. Indeed, every year since 1998 fewer students have entered med school to become family physicians than the year before.

An evolving practice

Seaport Family Practice, which Loxterkamp started with Dr. Tim Hughes two decades ago, is in the forefront of the movement toward “patient-centered medical homes,” a new design for family doctors. It incorporates new technologies, including electronic medical records and patient-accessible medical charts, and concedes the value of external improvements, such as hospitalists, who treat Seaport patients when they enter the hospital.

Loxterkamp, 55, says he is a primary care physician, which covers internal medicine, pediatrics and family medicine and is sometimes said to include obstetrics and general surgery as well. Only 25 percent of American physicians provide primary care, he said, a reversal of the ratio in other developed countries. And they are the second lowest paid among all classes of doctors, after those in geriatrics.

The finances of family medicine are dictated by large organizations, including the federal government, insurance companies and hospitals.

Loxterkamp said he is only reimbursed for face-to-face encounters with patients, which are viewed as procedures. The considerable time spent referring his patients to specialists, filling prescriptions for medicine, and e-mailing patients, which is part of the doctor-patient communication system at Seaport, are not included.

A patient with a bum knee has several ways to deal with it, Loxterkamp said, from an operation to replace the aching joint to developing a diet and exercise routine to strengthen the surrounding tissue and muscles. The family physician would encourage the second route, but would not be reimbursed for his counsel. The surgeon who installs the new joint, on the other hand, would be paid thousands of dollars.

Family medicine, he said, is usually less expensive than the procedures carried out in hospitals, because doctors are paid based on what they do to patients, not whether they help them. Until the system uses outcomes of medical approaches as the standard for payment, and not procedures, the costs of care will continue to increase, Loxterkamp said.

Seaport Family Practice was one of 36 in the country to participate in the National Demonstration Project, a two-year study to test the validity of a nationwide analysis known as the Future of Family Medicine Report. The report called for adoption of information technology and a strong business model as necessary medicine to cure the ills of family doctors.

Practicing changes

Loxterkamp said Seaport has changed the way it operates in accordance with the report's recommendations. Among the innovations are:

• Filing prescriptions electronically with the mail-order companies most patients choose. “It is much quicker,” he said.

• Working with one nurse as a doctor's partner in the development of a joint note that is placed in the patient's electronic file. The nurse takes the patient's vital signs and the complaint that prompted the visit and enters them in the record, he explained. The nurses and doctors rotate every six months or so.

• Developing what he calls a patient portal, an electronic file that the patient can access from anywhere, reducing the time to transfer medical records and make referrals.

•Hiding nothing from patients, including the recording of information in the record of a visit that might not have been discussed with the patient. “It's absolutely helpful” to have transparent communication with patients, he said.

• Giving patients a role in their health care, which includes clear communication. His notes are not written in “doctorese,” he said, but in words the patient will understand. The communication “gives patients responsibility for their care, which most of them want,” he said.

วันจันทร์ที่ 23 มิถุนายน พ.ศ. 2551

How to find the best medical treatment


Know your way around the Internet, arm yourself with statistics and don't be afraid to speak up.
By Susan Brink, Los Angeles Times Staff Writer
June 23, 2008
Even if you're not rich or well-connected, you can find leading-edge treatment when it matters. And it could well matter if your condition is rare or if few doctors have developed expertise in treating it. For starters, be Internet savvy -- and pushy. Here are some tips for getting what you need:

Be open to the hospital your insurance plan recommends.
Insurers want to keep costs down, and one way to do that is to minimize costly complications. So they try to contract with institutions that have the most experience and the best outcomes. Even HMOs contract with outside centers of excellence for some rare disorders when their own physicians lack unique expertise.

"This whole notion of centers of excellence used to be based on gestalt and individual recommendations," says Dr. William Roper, dean of the medical school and chief executive of the healthcare system at the University of North Carolina.

"It's becoming much more data-driven and evidence-based."

To determine the "best," arm yourself with numbers.

If the doctor, or hospital, you want has more experience than the one your insurer has chosen, show your insurer the numbers. A surgeon who has done a procedure a few hundred times will have better results than one who has done it two or three times. "There's a growing body of evidence that says that volume matters," Roper says.

The only way to find out is to ask, so don't be shy about asking physicians how many times they've done the procedure, or treated the condition.

And be specific. A cardiac surgeon who has done hundreds of heart bypasses is not necessarily an expert in valve replacements.

Get recommendations.

The less common the disorder, the fewer the institutions that will have deep experience with it. But it's just those institutions you want to find. Each time you talk to a provider, don't end the conversation without asking who else has experience with your condition or which institutions are known for treating the disease. Keep following the chain of recommendations to see if one or two names are consistently repeated.

Do your homework.

Track down statistics and studies as tailor-made to your condition as possible.

Search for articles at the National Institutes of Health's free archive of medical journals (pubmedcentral.nih.gov). You can often see the entire study for free, sometimes only the abstract, but poring over the list will give you an idea of which institutions are actively publishing articles. Be as specific as possible in your search. For example, don't type in "brain cancer." Use "malignant glioma," "brain tumor" and "left parietal lobe."

Find out who is doing research into your condition.

If a physician publishes a lot about your condition, there's a good chance he or she is already onto potentially better techniques, even if results haven't yet been published. "What is published is always years behind what is happening at major academic centers," says Dr. Henry Friedman, deputy director of the Preston Robert Tisch Brain Tumor Center at Duke University Medical Center in North Carolina.

Even if you don't want, or qualify for, a clinical trial, find out which institutions are researching your condition. Go to clinicaltrials.gov for a list of more than 50,000 federally and privately sponsored trials.

Make appointments.

When you find a doctor or hospital doing research into your disease, call the physician or the institution. Large academic centers all have physician referral departments set up to connect patients with the appropriate physician. Your insurance company will cover a second opinion, and going to a large center for that second opinion can be the entryway to excellence.

วันศุกร์ที่ 20 มิถุนายน พ.ศ. 2551

Hospitals reeling from unpaid claims of 'impaired' victims


An estimated 18,000 traffic fatalities involved alcohol, drugs, or both on American highways in 2006, the latest year for which such figures are available.

Thousands more were rushed to trauma centers for emergency care and extended hospital stays well into six-figure dollar amounts.

In most cases, insurance claims covering accident victims – 65 per cent – will be paid. It’s the other 35 percent that hospital administrators worry about. Those admitted to trauma and burn centers with impairing substance levels in their system maybe denied insurance coverage. Insurers can refuse to pay the medical claims of those who test positive for drugs and alcohol.

Rising healthcare costs and the growing number of defaulting insurance companies are jeopardizing the future of both public and private hospitals with unpaid millions in uncollectible bills. The Regional Medical Center of Memphis (The Med) is one among a number of hospitals across the state buckling under the costs of default insurance claims.

“Basically, many medical insurance forms include a clause which frees the insurer from liability in cases involving substance abuse,” said Vickie Trice, of the Tennessee Department of Commerce and Insurance public information office. Some will pay the claim, but a significant number refuse, leaving hospitals to absorb the costs.”

Medical facilities are stuck with hundreds of thousands of dollars in ‘uncollectible accounts each year. Several individual bills even run into the millions.

“Trauma victims in the Mid-South will automatically be brought to The Med,” said Vice-President Sandy Snell of Communications and Marketing. “Some don’t have insurance. Others are covered by insurers who refuse to pay. Since individuals most likely could not possibly pay, these accounts are sent to attorneys who specialize in overturning these kinds of denials.”

There are no claim default statistics, but doctors and hospitals in Tennessee fear an increasing number of insurers will begin using the clause.

At Vanderbilt University Medical Center in Nashville, officials estimated that about one in three victims brought to the hospital for trauma treatment annually are substance impaired.

Last year, state lawmakers adopted a resolution asking that a review of Tennessee alcohol and drug laws be submitted for possible reform. The report is due Dec. 1.

Laws mandating the payment of such claims have been enacted in the District of Columbia and 13 states: Colorado, Connecticut, Illinois, Indiana, Iowa, Maine, Maryland, Nevada, North Carolina, Oregon, Rhode Island, South Dakota, and Washington.

North Carolina, the only state in the southeast region with such legislation, passed a law in 2001 prohibiting claim default on the basis of impairment. But not all insurance polities are affected.

Chrissy Pearson, director of public information for the North Carolina Department of Insurance, said under North Carolina law, an insurer may not refuse to pay a claim based on substance use found in the blood.

“But the policy must be comprehensive, covering hospital costs, surgery and other medical procedures,” said Pearson. “If policies cover only accidents or just pay out a dollar amount for each day in the hospital, insurers may choose not to pay at their discretion.”

According to a recent report published, The Tennessean newspaper in Nashville, carefully choosing insurance companies makes a difference. The newspaper’s inquiry found:

As the state’s largest health insurer, BlueCross BlueShield of Tennessee, claims are not denied based on intoxication. And in September, the insurer will discontinue a policy that allowed it to deny claims related to an injury occurring during the commission of “a felony, an attempted felony, riot, or insurrection.”

Aetna does not deny substance-abuse claims, but may sometimes seek restitution from the person responsible for causing the accident.

UnitedHealthcare does not have a clause written into the language of insurance contracts and will not likely include it in the future.

Dr. Julie Dunn, director of trauma at East Tennessee’s Johnson City Medical Center, told The Tennessean that Alcohol and urine-sample tests for screening were eliminated after an insurer refused to pay the claims of a man who became a quadriplegic from injuries sustained in a fall at home. He had consumed several bottles of beer.

Said Dr. Dunn, “It’s not in anybody’s best interest to deny such a claim.”


NOTE: Traffic crashes account for about 20 percent of the nation’s traumatic brain injuries. African Americans have the highest death rate from these severe head injuries, according to a report by the Brain Injury Association of America.