Product DescriptionThis digital document is an article from Family Practice News by Thomson Gale, 15 Published in October 2005. The length of the article is 1051 words. The length of the page above on a typical 300-word side. The article is delivered in HTML format and is available in your Amazon. com Digital Locker immediately after purchase. You can view it with any web browser. Citation Details Title: Racing Medicare has increased benefits for hospitals: The new DRG is to increase reimbursement to hospitals for acute care by about $ 6,000. (Trends in practice) diagnosis group (associated) Author: Joyce FriedenPublication: Family Practice News (Magazine / Journal) Date: 15 October 2005Publisher: Thomson GaleVolume: 35 Number: 20 Page: 74 (1) Distributed by Thomson Gale
Posts Tagged ‘About’
Feel free to talk about costs: the debate: why, how and when you talk to your broker approach for paid services. : An article from: Risk & Insurance
Wednesday, July 21st, 2010Product DescriptionThis digital document is an article from Risk & Insurance, Axon Group 1 Published in February 2009. The length of the article is 1079 words. The length of the page above on a 300-word page type. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser. Citation Details Title: Feel free to talk about costs: the debate: why, how and when your broker to discuss the approach to fee-based services. (Viewpoint) Author: Carolyn SnowPublication: Risk & Insurance (Magazine / Journal) Date: February 1 2009Publisher: Axon Group Volume: 20 Issue: 2 Page: 90 (1) Distributed by Gale, a part of Cengage Learning
Doctors complain about tax cuts Blue Cross. : An article from: San Diego Business Journal
Monday, July 19th, 2010Product DescriptionThis digital document is an article from San Diego Business Journal by CBJ, LP, 1993 Published on 7 June The length of the article 1233 words. The length of the page above on a 300-word page type. The article is delivered in HTML format and is available in your Amazon. com Digital Locker immediately after purchase. You can view it with any web browser. Citation Details Title: Doctors denounce tax cuts Blue Cross. (Blue Cross of California) Author: Penni CrabtreePublication: San Diego Business Journal (Magazine / Journal) Date: 7 June 1993Publisher: CBJ, LP Volume: v14 Issue: Page N23: P1 (2) Distributed by Thomson Gale
Doctors complain about tax cuts Blue Cross. : An article from: San Diego Business Journal
How to Ask Your Doctor About Surgery, with Chanda Lear
Thursday, May 27th, 2010
A patient tells her doctor she needs a number of procedures done right away! He can’t help but ask why.
11 Questions About Medical Bills
Tuesday, April 27th, 2010When you are receiving medical treatment, especially if you were in the hospital, you will get a lot of billing documents in the mail. It will be less confusing if you know that there are three basic types of mail you will receive for each treatment. This article will discuss what these documents are, what information you need to record, and when to pay the balance due, if any.
1. How should I file the statements, invoices, and explanations of benefits forms?
It is important that you open up every single envelope, because you could end up throwing away a reimbursement check! You can sort the documents you will receive in three ways:
(i) By medical provider (for example, doctor’s name, hospital name, or lab name);
(ii) By date of the first medical procedure or service on the document (since many documents itemize services from several dates grouped together on the same form); or
(iii) By type of document (for example, all invoices from medical providers, all explanations of benefits forms from your first insurance company, all explanations of benefits forms from your second insurance company).
Any of these systems will work. What is important is to be consistent in the filing method you use and to keep it constantly up to date. If you keep track of your medical bills as they arrive, you will know when it is time to pay and how much to pay.
2. What documents will I receive if I have medical insurance?
If you have a private insurance plan (Blue Cross, Blue Shield, etc.), or if you have Medicare with a supplemental insurance plan, there are three types of documents you will probably receive. They are:
(i) The initial statement or invoice (this may or may not be sent out);
(ii) The Explanation of Benefits; and
(iii) The final bill.
3. What does it mean when the document says, “This is not a bill”?
The first document you may receive in the mail is an initial statement or invoice from your medical provider. Not all offices generate and send this form. But, if your doctor or hospital does, this invoice will usually say “This is not a bill,” and it itemizes all of the services you received.
Unless you are a “private pay” patient who is responsible for all of your medical bills, you will probably not have to pay that entire total you see at the bottom of the bill. This form is simply telling you how much is being billed to your insurance company.
4. What is an “EOB”?
After the claim is processed, you will receive a second type of document called an Explanation of Benefits (EOB). If your primary insurance company is Medicare, you will receive a form entitled “Medicare Summary Notice” that itemizes which services they have processed. Medicare or the insurance company will either authorize payment or deny it; this statement will tell you how much of the bill was approved for payment and who was paid.
5. If my claim is denied, what do I do now?
If you see that the claim is denied, call the biller at the office to see what caused the denial. It could be something as simple as a wrong code. Ask that the claim be re-submitted. Most offices will do this automatically, but it does not hurt to call to follow up.
6. I think I need a chart to keep track of all of these claims. What kind of information do I need to record?
After the claim is paid, you will note:
(i) How much was “approved”;
(ii) How much was paid;
(iii) The date it was processed;
(iv) If the payment was to you or to the provider; and
(v) If the provider “accepted assignment” of the claim.
7. Do I cash the reimbursement check or send it to the doctor?
If there is a check issued to you, deposit the check, then pay the medical provider the same amount you were reimbursed. Make a photocopy of the check for your records.
8. What if I have a second insurance policy?
If you have a second insurance, the medical provider’s biller will submit a claim to that second insurance company after the first insurance’s Explanation of Benefits form is issued. The second insurance company will also send you an Explanation of Benefits (EOB) for each item considered by the first insurance company.
When you receive an EOB from your second insurance, you need to record on your chart:
(i) How much was approved for payment;
(ii) The date it was processed;
(iii) How much was paid;
(iv) Whether the payment was to you or directly to the medical provide; and
(v) Whether you have a balance due for your out-of-pocket payment to the medical provider
If you have two insurance policies, then you will determine how much you will have in “out of pocket” expenses for that service, now that both insurances have processed the claim.
9. What is the “final bill”?
The third type of document you is the final bill, which you will receive after all insurances have processed your claim. It will show the amount of the original bill, each payment from insurance, any “write offs” or discounted balances and, finally, your balance due.
10. What if my “balance owing” does not match what is on the final bill?
If you receive a statement from the doctor’s office showing a balance owing, and it does not match your records, call the biller to ask for an explanation. If you do not understand the terminology or jargon, keep asking until you have a satisfactory explanation. You may want to have a meeting with the biller so that you can present your paperwork and show how you arrived at the amount due.
11. Why do I need to track every health insurance claim?
By tracking each claim as it works its way through the system, you will know when an invoice arrives whether it is simply informing you that your first insurance has made payment, and you can file it away, or whether that claim has been processed by both of your insurances and it is time to get out your checkbook, if a balance is due.
Remember, if you use a recordkeeping system to keep track of your medical billing, you will be more likely to get all the benefits due to you from your insurance coverage. You need to know that you are not paying out-of-pocket for services that are covered by insurance.
Fontana Bicycle Lawyer?s Top Ten Things You Probably Least Want to Think About in the Hospital After a Bicycle Accident
Tuesday, April 20th, 20101. Medical malpractice.
2. Hospital malpractice.
3. Pharmaceutical malpractice.
4. What that food is they just served me?
5. Why does this room stink?
6. What are all those beeping sounds?
7. I can see I’m not going to be getting any sleep here.
8. You’re waking me up to give me a sleeping pill?
9. Can I go home yet?
10. Where the heck is that doctor?
Here are ten useful tips of advice from a bicycle accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a bicycle accident in Fontana, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.
Obviously, if you have had an accident, and you are reading all of this advice, it may have been a few hours since the accident. However, if you ever have another accident, or if it’s only been a few hours since you were hurt, here’s what you should do from the start.
First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.
Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.
Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.
Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.
Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.
Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.
Seventh, call a good bicycle accident attorney as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good bicycle accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good bicycle accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most bicycle accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.
Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.
Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.
Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.
If you’ve had a bicycle accident in Fontana, Ontario, Rancho Cucamonga, Corona, Temecula, Murrieta, Riverside, San Bernardino, Moreno Valley, Palmdale, Victorville, Hesperia, or anywhere in Southern California, we have the knowledge and resources to be your Fontana Bicycle Accident Lawyer and your Ontario Bicycle Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.
If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com and learn how we can assist you.
What You Need To Know About Home Mortgage Payment Protection Plan
Monday, April 19th, 2010Because of unfortunate circumstances such as accidents and physical disability, any individual can, at worst, find himself jobless and at best, with a decreased income. It is in these instances though that medical expenses and hospital bills are likely to increase. There is a way to deal with expenses incurred by unforeseen happenings.Mortgage life protection and mortgage payment protection are the two types of insurance. Mortgage life protection covers payments in your mortgage in the event of your death. On the other hand, mortgage payment covers monthly payments in the event that you lose your job or become gravely ill.How does home mortgage payment protection work?You make your payments (which are tax-deductible) to your creditor, and receive benefits that are paid along with other benefits. Premiums are pre-calculated in association with the decreasing death benefit, so they stay fixed. The rate provided by a policy can vary depending on different factors like how old you are and if you are a smoker or not. Advantages:There are many advantages of mortgage life insurance and one of them is that it offers you an affordable means to give your family protection and security while paying off your mortgage balance if death occurs. This insurance can give your family the benefit of spending for other living necessities and personal expenses. In its essence, mortgage protection involves you paying a fixed premium during a period of time and your insurance pays off your mortgage at the event of unemployment, illness or death. Here are the advantages:- Affordable and optimal coverage – Flexible policies – Financial difficulties are eased – Policies have fixed premiums for everyone and are available to younger individuals, who have tighter budgets – You can have control over the pre-payment of your mortgage – Mortgage payment protection gives you time to regain employment. The state will no longer aid those who have lost their jobs – Even if your mortgage has already been paid off, your beneficiaries can still receive remaining death benefits – You can reissue your mortgage protection policy if you refinance your mortgage.Who Qualifies?- Almost anyone qualifies for a protection plan, no matter what sex or age – You are able to obtain joint coverage for you and your spouseWhere To Get Home Mortgage Payment Protection Insurance:- Establishments that organizes your mortgage – You can get mortgage life insurance through your mortgage lender at a cheaper rate. What You Want To Do:- Start saving larger amounts of mortgage interest – Own your own home at a sooner timeDownsides:Mortgage life insurance pays for the mortgage in the event of the individuals death while private mortgage insurance allows them to keep their homes. Mortgage protection coverage pays only your mortgage balance. If you default, private mortgage insurance only partially covers your loan.Some expenses, charges and risks are involved with some types of life insurance because they can be sold by prospectus. Review pamphlets carefully before jumping into an investment or plan. It is always best to contact with your tax advisor or attorney for information that is free and does not require commitment.
Risk managers, insurers worried about ERISA ruling.: An article from: … & Casualty-Risk & Benefits Management
Sunday, April 4th, 2010Product Description
This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on May 15, 1995. The length of the article is 832 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.
From the supplier: Risk managers and insurers affected by health plan costs are worried about a Supreme Court decision that allows New York to collect fees from patients covered by health maintenance organizations and commercial insurers, despite contradicting federal law. The insurance industry believed the court would agree with an appeals court decision that the Employee Retirement Income Security Act preempted New York state law.
Citation Details
Title: Risk managers, insurers worried about ERISA ruling.(Supreme Court ruling on health plan fees, Employee Retirement Income Security Act.)
Author: Mary Jane Fisher
Publication: National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: May 15, 1995
Publisher: The National Underwriter Company
Issue: n20 Page: p2(2)
Distributed by Thomson Gale
La Mesa Motorcycle Accident Lawyer?s Top Ten Things You Least Want to Hear About at the Hospital After a Motorcycle Accident
Sunday, April 4th, 20101. The patient who everybody liked so much, whose bed you now have.
2. How they all thought the former patient was going to make it.
3. How unfortunate it was that he was given the wrong medicine.
4. And had his X-rays mixed up with someone elses.
5. And had his chart lost.
6. How ironic it is that they removed the one organ he had that was functioning fine.
7. That they gave him the wrong type blood in a transfusion.
8. That everyone is sure this comedy of errors couldn’t happen again.
9. That the chance of these types of mistakes happening are one in at least fifty at this hospital.
10. The nurse calling you by the wrong name.
Here are ten useful tips of advice from a motorcycle accident lawyer to follow if you have been in an accident. You can also learn more about how to handle a motorcycle accident in La Mesa, or any city, by calling the Law Offices of R. Sebastian Gibson at any of the numbers which can be found on our website at http://www.SebastianGibsonLaw.com and learning how we can assist you.
Obviously, if you have had an accident, and you are reading all of this advice, it’s probably been at least a few days since the accident. However, if it’s only been a few hours or if you ever have another accident, here’s what you should do the next time from the start.
First, take a look around and determine if you or anyone, are hurt. If so, taking steps like trying to prevent further injury or loss of blood are the most important thing you can do. Even if some other driver caused you to be injured, it’s just good manners to help the other driver if they are hurt. They may even be so thankful that they admit their fault to you. The worst thing you can do is get angry or start a fight.
Second, make sure everyone is safe from being injured further. If you are in the middle of traffic, and you are dizzy, sit down away from traffic. If your vehicle is a traffic hazard and you have accident warning devices like flares or triangles, put them out on the road to warn other drivers and get away from the car. Let the police an other emergency personnel investigate the scene with the vehicles in place and move them more safely at a later point.
Third, call the police. Accident reports are extremely helpful if the police will do such a report. Let the police know you are injured immediately. Answer the police questions honestly. But if you are dazed or confused, let them know you need medical treatment and answer only what you feel sure about. Remember, your statements can and will be used against you if you admit fault, and it will be too late and too fishy to later say you didn’t know what you were saying at the scene. Police know that your best recollection is immediately after an accident.
Fourth, get the other driver’s information including their names, addresses, driver’s license numbers, make and model of their vehicles, license plate numbers, and their insurance company name and policy number. If there are witnesses, get their names, addresses and telephone numbers as well. If the other driver makes any admissions of fault, write those down as well.
Fifth, if you have a camera on your cell phone or in the car and you aren’t too injured, take some photos of the vehicles and the scene. If you can’t do it right away, do it after you are released from the hospital.
Sixth, if you are hurt, obtain medical treatment. Don’t decline the ambulance or hospital examination to save your insurance company money or to be stoic. Take your valuables out of your car if you can and get checked out at the hospital. If you are not hurt, don’t get treatment you don’t need. However, remember, after an accident, you may feel a rush of adrenaline that causes you to only start feeling symptoms of pain a few hours later. If you have a health plan that requires you to obtain permission first, call them and find out where you are allowed to seek treatment.
Seventh, call a good motorcycle accident lawyer as soon as you have had your initial treatment, so the attorney can gather other important evidence and prevent the insurance company from taking advantage of you and obtaining such things as recorded statements that you feel fine, when many of your symptoms have yet to manifest themselves. A good motorcycle accident lawyer can save you from making a great deal of mistakes and can shoulder much of the hassle of knowing what to do about car repairs, car rentals, medical treatment, witness statements and the like. If you think you will save money by not having an attorney, think again. A good motorcycle accident lawyer can almost always obtain much higher settlements, obtain reductions of medical bills and insurance liens and prevent you from making costly mistakes. Also, most motorcycle accident attorneys advance costs of obtaining police reports, medical records and the like and are paid and reimbursed for these costs only out of any settlement.
Eight, you will need to report the accident to your insurance company, but since they will want to take a recorded statement from you, just like any other driver’s insurance company, it’s good advice to retain an attorney first. And if the other driver did not have insurance, remember that it is your own insurance company that will be your adversary. You will also need to report the accident to the Department of Motor Vehicles and your lawyer can give you the form for this.
Ninth, do not agree to settle your claim privately with the person at fault for the accident. This almost never works out to your advantage. Don’t agree not to call the police. Police reports that determine the fault for an accident are golden. Your agreement to not involve the police only affords an opportunity for the other driver to change his story and blame you when the police will no longer investigate the accident.
Tenth, don’t pay a traffic ticket without a fight if you weren’t at fault or agree to accept a small payment for your vehicle repairs without knowing that the amount will in fact cover the cost of all the repairs.
If you’ve had a motorcycle accident in La Mesa, Lakeside, Santee, Poway, Spring Valley, Lemon Grove, Coronado, National City, San Diego, Carlsbad, Oceanside, La Jolla, Del Mar, Escondido, Chula Vista, El Cajon, Vista, San Marcos, or anywhere in Southern California, we have the knowledge and resources to be your San Diego Motorcycle Accident Lawyer and your La Mesa Motorcycle Accident Attorney. Be sure to hire a California law firm with auto, motorcycle, truck, bicycle, pedestrian, car, bus, train, boat and airplane accident experience, wrongful death experience and insurance law expertise who can ensure you are properly represented and get the compensation you deserve.
If you have a personal injury legal matter, a dog bite or if you’ve lost a loved one in a wrongful death accident, call the Law Offices of R. Sebastian Gibson, or visit our website at http://www.SebastianGibsonLaw.com and learn how we can assist you.
Paul Watson’s Article About Obamacare: Taxing The American People Into Oblivion on Alex Jones Tv
Sunday, March 28th, 2010
Obamacare: Taxing The American People Into Oblivion Steve Watson and Paul Watson www.prisonplanet.com Tuesday, March 23rd, 2010 HR 3590, The Patient Protection and Affordable Care Act, to give it its full title, is rammed full of tax increases which will further economically cripple Americans already laboring under the worst financial crisis since the great depression. The partnering Reconciliation Act, currently in the Senate, also contains a raft of pork barrel and tax hikes, there to fund the trillion dollar cost of nationalizing medicine. As reported by Bloomberg News today, analysis by the nonpartisan congressional Joint Committee on Taxation reveals that the bill will generate $409.2 billion in additional taxes by 2019. In addition, the Congressional Budget Office states that the bill also levies almost $69 billion more in penalties for those who fail to meet mandates to buy insurance. The Journal of Accountancy boils down some of the tax hikes and penalty fees in HR 3590 and the Reconciliation Act the highlights include Excise Tax on Uninsured Individuals Individuals who fail to maintain minimum essential coverage will be subject to a penalty equal to $750. The fee for an uninsured individual under age 18 is one-half of the adult fee. Excise Tax on High-Cost Employer Plans The federal government would impose a 40% tax on the value of employer-sponsored health coverage exceeding certain thresholds. Those levels are projected to be $8500 for self only and $23000 for …
