High Cost of Healthcare Induced By Contradictory Goals of Providers and Payers

Healthcare has been the topic of debate for most of the last few years. From the boardroom to the water cooler, costs and quality of care are hot topics that impact everyone in this country. Young and old, Americans are feeling the squeeze and most are finding it difficult to come up with solutions. In the boardrooms of corporations both large and small, employers are struggling to cope with reality of rising premiums and declining benefits. Meanwhile employees are left with the prospect of going without health insurance. Currently it is estimated that 50 to 60 million adults in this country are walking the tightrope of living without health insurance. With such widespread reach for ripples created by this healthcare debacle, everyone is looking for answers. How can we afford coverage? Can we go without? What can be done to curb the costs and get this problem under control?

In the workplace, employers and employees often feel as if they’re on opposite sides of the fence. Employers feel as if their subordinates take no consideration of how difficult it can be to turn a profit while facing spiraling costs and a difficult economic environment. While large corporations may be able to ride out the storm, small businesses rarely have this luxury (especially at a time when credit is difficult to obtain). Most small businesses would close their doors if the balance sheet goes in the red for more than a few months or quarters. On the other hand, employees often adopt a near-sighted approach. How could they expect me to afford a premium increase? Should I just try to float without insurance for a while? These questions often lead to resentment on both sides of the coin, but are the employers or employees to take the blame and the higher cost?

Looking for answers to this growing problem is not easy. Where did the system go wrong? Why is it so expensive? Who’s to blame?

Many people blame healthcare providers for the rising costs of quality care. I can assure you this is not the case. Providers are facing a myriad of challenges and roadblocks. More so than ever, running a profitable medical practice is daunting task. Like any other business, a medical practice will close if it can not cover expenses and afford to pay salaries. Labor and leasing expenses are only the tip of the iceberg. Practitioners are forced to pay for equipment, insurance, hardware, software, licensing, and more. After establishing an office with all the appropriate resources, medical practices and hospitals must then attract patients in a very competitive marketplace.

Yet with all these costs and challenges in their way, healthcare providers are not complaining about patients or labor or costs! The largest problem facing healthcare providers is the insurance reimbursement process. Contradictory goals of payers and providers are resulting in inefficient and difficult payment systems. Insurance companies are more concerned with bottom-line profits and shareholders than they are about the care their members receive. How can we expect doctors and healthcare providers to keep their offices open if they can hardly get paid for the services they perform? Individuals believe that because they pay premiums, the insurance company will pay their doctor. Unfortunately, this is hardly the case. Health insurance claim denial rates can reach as high as 25% or more. Many providers have outstanding receivables measured in the millions of dollars. The insurance reimbursement process is so arduous that many medical practices never get paid and as a result close their doors forever.

Insurance companies use a wide variety of tactics to delay payments and deny claims. Payers employ hoards of representatives charged with the task of fielding calls and scrutinizing claims. Due to these tactics, insurance claims take anywhere from 30 days to more than 1 year to reach a completed status. In most cases claims are delayed and denied due to inconsequential, irrelevant errors. These errors result solely from the many difficult and senseless hoops that are placed in the way of the provider’s billing representatives. This extremely labor intensive process of collecting from insurance companies costs providers a great deal of time and money.

The only beneficiaries of this process are the shareholders of insurance companies. The delays in payments result in interest earned for the time period in which the claim was delayed. In many cases, providers never receive reimbursement for the services they perform. These claims must be written-off as a loss by providers while insurance companies see these cases as victories leaving more cash on their balance sheets. It appears that the primary goal of insurance companies may be to deny as many claims as possible; after all they answer to shareholders not providers or individual policy holders. This gross abuse of power by insurance companies may be the biggest problem we face in the healthcare sector.

The days when doctors sat on golf courses all day while making millions per year are over. Now they must battle insurance companies tooth and nail for every claim. If insurance companies paid doctors for the services they perform, perhaps we would see a reduction in costs related to providing care.

Surely there is no easy fix to this problem. We may find the answers by addressing the goals of big insurance companies. Providing oversight and incentives for paying healthcare providers for the services they perform would be a good start. If insurance companies focus on weeding out fraud rather than just delaying and denying payments, we could see an increase in efficiency and productivity in the healthcare sector that could be the start of controlling costs while maintaining a high standard of care. For the sake of all Americans, hopefully we find an answer soon!

Applying For A No Teletrack Payday Loan

No teletrack payday loan is the best for people undergoing any sort of financial emergency. This short-term loan is ideal to handle all urgent cash needs and the best part is that it doesn’t involve any sort of credit check. So, people with poor credit can also smile, as they would not be debarred from applying for this cash advance. In comparison to traditional loans, no fax no teletrack payday loan is much faster and more convenient.

Applying For An Online Loan

You can apply for the loan online over the internet and in just a matter of a couple of hours; the approval is given. For many loans, your credit history and checking account are reviewed through the teletrack method. But the more commonly used method nowadays is the no faxing no teletrack payday loan method. This saves the applicant from embarrassment as his poor credit account is not exposed for all to see. His online loan application is approved and within 24 hours the amount is credited to his account.

Requisites For Applying

  • You would need to fill up some personal data, employment details and bank account details in the online form.
  • The zero teletrack method may require you to fax some documents like the most recent paycheck or the last electricity bill.
  • You must be a citizen of the U.S. and should be at least 18 years of age.
  • You should have been employed with the same company for the past 6 months.
  • Some lenders may require you to have a minimum monthly salary of at least $1500 after deduction of taxes.
  • The lender might also check with your bank account for a debit service.

Repayment Details

The no telecheck no teletrack payday loan service is a very easy and simple process and has almost 100% probability of being approved. You also do not need to worry about any sort of rigid timing with it as you are free to apply for this loan anytime and anywhere, you feel like. The repayment of the advance amount is usually indicated on the application. It is generally the day of your next paycheck. At the time of borrowing, you would have to provide the lender with a post-dated check and they would debit that amount from your account on the due date.

The amount would also include the lender’s fee for taking the payday cash advance. Incase you need an extension for a few days, contact the office head on time. Try not to roll over to avoid paying accumulated fees on late payments. Remember, a no teletrack payday loan might be a savior for a lot of people but can prove to be a terrible burden if not repaid on time.

Car Rental Rates – How to Get the Best Car Rental Rates

Car rental rates are obviously dependent on which dealership you opt for and how long you need the vehicle for. To get the best car rental rates you must be certain of the period in which you are going to require the vehicle for. For example, you would not want to rent a car for 3 days, to find out you need it for an additional 3 days this is where dealerships will charge for days the vehicle is required for, at their daily rate; savings are to be made when you book for a week if there is any chance of requiring the vehicle for longer. Agencies operate on weekly and daily rates; it always pays to look into the weekly rate as this is usually lower than a per day rate.

If you want to find the best car rental rates you must shop around. Car rental rates are constantly changing due to supply and demand and obviously change in line with the season. You will need to book far in advance should you want a rental car over any holiday period. Make sure you enquire about special holiday rates as some rental agents will give away a day extra for free over these periods. Make sure you are certain of you required dates over these periods as agencies cancellations over these periods will incur large fees.

To find the best car rental rates when it comes to long distance trips, it pays to book well in advance and ask your travel agent of any deals that are not publicly advertised. If you are planning a road trip to Las Vegas for tonight, you’ll have wanted to have booked at least a week ago to get the best rates and avoid disappointment. Remember that reservation only guarantees a reserved rate, you must specify if you are after a specific vehicle.

If you think the weekend car rental rates you are getting are too good to be true, then they probably are. You will want to ask for any hidden costs, such as insurance, state taxes, varying fees for drivers of different ages and refueling charges. Ask your rental agent of any compulsory insurance fees, as these hidden costs are generally what makes the advertised costs so well, read the disclaimer! Some states in America give rental car agents permission to charge extra fees on their rentals to cover the costs of licensing their cars. This is fee is generally 6% of the total rental costs. The majority of states in America do not require rental agents to inform the customer of this fee, so make sure you ask before hiring.

To get the cheapest, most value for money rental car rates you will need to shop around, be sure of the duration you require the vehicle for, make sure you ask about any hidden fees and always book well in advance.

How an Online Travel Agency Help in Planning your Trip

Through the Internet, people today can look for information about any product or service they need in a fast, easy, and convenient way. For instance, if you’re planning a cruise trip, you can use search engines to find a website that offers travel packages. These travel agencies’ websites provide details and anything you need to know about cruise vacations. To know more about this, here are some facts on how an online travel agency can make planning your trip easier.

When browsing a travel agency’s website, you can find information on available itineraries, cruise tours, and shore and rail excursions. Through this platform, you can input details on where you like to go, when and how long you prefer to travel, and which departure port is most convenient for you and your group. Read through the agency’s travel insurance policies posted online to know if these cover medical expenses, trip cancellation, baggage damage, and other possible emergency situations.

Like your local travel agencies, online experts provide basic information about what a cruise trip, for example, entails.

They post information about pre-travel requirements, onboard experiences, activities, and amenities, as well as the different ports you and your fellow passengers can visit during the trip. They also give an overview about the life aboard a cruise ship: the dining options, accommodation arrangements, planned activities for people of all ages, and facilities and amenities for relaxation and entertainment.

An online travel agency Minneapolis has to offer also provides a wide range of options for specific cruise lines and ships.

You can choose a luxury, premium, contemporary, or specialty cruise line that suits your budget, adventure needs, and travel preferences. You can view cruise ships’ deck plans, onboard activities, sophisticated environment, and thus decide which travel package will work best for you and your group.

To maximize your budget, consult an experienced travel agency St Paul residents go to for special offers and competitive prices. You can read through their current promotions and get discounts from cruise lines or land-tour operators in their business network. You can also choose a wonderful cruise vacation package inclusive of full cruise fare, pre- and post-hotel accommodations, and other add-ons through their website.

Websites in general serve as a reliable source of information for people. With online
travel agents Minneapolis companies employ, you can plan your trip faster and in a considerably more convenient way. Through their website, you can also subscribe to email promotions, access quick links, and learn about a desired trip with a few clicks. These make planning a big, budget-friendly adventure easier.

Santorini Car Hire

Renting a car in Santorini can give you that extra security and freedom that will make your holiday to Santorini from being good, to becoming exciting.

Before you start your visit to Santorini, it is always important to decide on the places you long to see. If you are sure about which places you would like to see, it would be sensible to reserve your holiday previously, this also goes for hiring a car in Santorini. Many car hire agencies in Santorini offer cheaper bookings for travelers that book weeks in advance; you can even claim back up to 30% or even up to 50% if you are reserving during the weekend. Taking a trip during the off peak season means that you will be able to get a discount on your overall holiday, this also means that car rental during this period is at its cheapest.

If you are renting a car from Isl-Santorini Airport, there are many things you will need to think about if you want your rental to run relaxingly. One of the most important to remember to bring both your driving license (and of course your passport!) with you, you need to own a valid license and an International Driving permit (IDP). It is necessary that you keep your passport to hand and also your IDP with you at all times when you are on the road.

With a car rental in Santorini, you will be able to travel around the whole of this mini island, from its picturesque beaches, to the diverse settings especially the views of its volcano. Although the two popular beach towns of Kamari and Perissa are very close, the mountains between them means that you will need to drive around the mountain as there is no road connecting the two small beach towns. The small towns of Oia and Fira are unusually built into the side of a cliff! This, as well as the Minoan ruins in Akrotiri are all easy to drive to in your hired car.

If you are looking to hire a car in Santorini, there are many rental agencies spread along the islands, providing visitors many choices, from luxury range of cars to the more cost-effective cars. If you settle on hiring a car, you will have the freedom to create your own travel plans that suits you and your family. Even though a small Island, to enjoy you stay in Santorini, book with a car rental agency to make your vacation a more memorable experience.

Is an electronic cigarette the best way to quit smoking?

For more than fifty years now, physicians have tried to raise people’s awareness regarding tobacco related illness and death, but even with all the anti-smoking ads and the increased excises, a lot of people continue their nicotine addiction. Trying to quit is not an easy process and there have been many ways suggested and praised, from nicotine patches to the newest electronic cigarette. However, giving up smoking is just about strength of character and will, as it is about finding the right method for you. Determination is certainly a factor here, but one should also keep in mind that every body is different and what worked just fine for your friend or relative, may not work for you. The recent invention of the electronic cigarette, however, seems to be enjoying a lot of popularity, although lately, the e-cigarette industry was hit by an FDA report, calling them dangerous.

Taking first things first, supporters of the elektronisk cigaret are claiming that it is the best tool in one’s efforts of giving up smoking. It has the feel and look of the real thing, but without any of the harmful substances. The e cigaret does contain nicotine, but none of the other chemicals, such as tar or carcinogens. So basically, it has three main components: the cartridge, which is the part you put in your mouth, an atomizer, being the heating element, through which the liquid is being vaporized and a battery, which works as a power supply. The elektronisk cigaret also makes use of a flavouring component, which, believe it or not, was one of the aspects for which it has been criticized. The FDA report stated that young people, who are not yet smokers, can be attracted by the different flavours of the e cigaret and thus tempted to try the real thing.

However, the electronic cigarettes industry has a lot to bet on, considering the benefits that opting for an e cigaret brings. Apart from the fact that it has none of the dangerous and extremely harmful substances of real tobacco, such as carcinogens or cancer causing agents, tar and second-hand smoke, the innovative product also eliminates other disturbing elements like smell, the bad breath or the discolouration of teeth. Furthermore, they had such a good start-off and were so well received by people, as a healthy alternative to smoking, that a couple of airlines even allowed their use during flights.

Health campaigners on the other side have argued that going from a tobacco cigarette to an elektronisk cigaret is not a solution. The only solution is giving up smoking in all of its forms, otherwise, sooner or later, people will go back to tobacco or just alternate between the two. Others stated their concerns with propylene glycol, which is a main ingredient in an electronic cigarette as it helps create the illusion of smoke, and how it had not been tested thorough enough.

All things considered, one can try many ways to quit smoking, such as a nicotine patch or gum or even the application of medication, but if the invention of such a device as an electronic cigarette was needed and it works, then it may as well be regarded as a very good, if not best, method.

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!

E Cigaretten – The Best Option for Safe Smoking

Most of the people have already realized the dangers associated with smoking and have started to find one or the other way for getting rid of it. Speaking about the conventional cigarettes, the smokers are delighted to enjoy the varieties of flavors that different companies are offering when it comes to cigarettes. However, there are many things that have made the smokers a bit worried. First of all, the people addicted to smoking are very much afraid of the negative effects caused by smoking on their health. On the other hand, even cigarettes have become quite expensive today and hence, many people will not afford to spend more on cigarettes.

In most of the cases, smoking will even make the self respect of an individual to decline. However, the great news for the smokers here is that there is recently an amazing product introduced to the market in order for help people to quit smoking called E Cigaret. As the name itself suggests, it is nothing but a cigarette, which works on electricity. This is actually designed to troubleshoot all the inconveniences caused by the normal cigarettes. It has also offer a great extent of relief for those smokers who have been extremely concerned about their health.

The Ego Cigaret is very well known for offering a great moment of pleasure for the smokers while smoking. It will never make the smokers to compromise in anything when they shift from conventional cigarette to an Electronisk Cigaret. Since they are also very lighter just like the conventional cigarettes, the users will surely enjoy a great comfort while smoking. Moreover, when it is an e cigarette, the users will have nothing to hesitate, as they can smoke these cigarettes even indoors. The smoke produced by these cigarettes will never cause any harm for the health of the smoker.

These cigarettes have been offered for different ranges of prices. It all depends on the brand. In addition to choosing top branded, you should also choose top branded nicotine cartridges to enjoy smoking. You need to choose these cartridges based on the smoking strength you require. Since most of the companies are offering a great discount on these cigarettes, you need not have to worry about the cost while choosing a right place for purchasing these cigarettes. Since the cartridges can be refilled, you need not have to spend money on buying new cartridges every now and then.

Do You Fear a Bathroom Remodel?

So You Want to Remodel Your Bathroom

An increasing number of people find that they can remodel their bathrooms to create the perfect place in which they can relax, refresh, rejuvenate and/or have a romantic time. A bathroom redo can be an inexpensive and fun way to spruce up your entire house. So, what you need are some tips for remodeling your bathroom.

When you decide to begin a bathroom remodeling project, it is quickest to organize your goals before shopping for materials. Choose what items you want to replace, add, or take away from the bath area. Consider refinishing existing items such as bathtub, shower, sinks and toilet, or renewing the tiles or tub and shower enclosure to give a new look to your bathroom even with just a little investment. The bathroom is one of the most used areas of the house, so you want to be sure that you have it remodeled in such a way that it will last for a long time. Remodeling is extremely exciting because it means you are getting to create the ambiance you have always wanted in one of your favorite places: the bathroom.

Why Remodel If You Can Decorate?

Perhaps you would like to redo the bathroom, but at the same time you would like to keep things uncomplicated. If it is time for a bathroom makeover, count yourself lucky when you see the number of wonderful current decorating ideas for the bathroom today. There is a huge amount you can do with simple decorative treatments that avoid a full remodel.

If you have a small bathroom, remodeling ideas should mostly revolve around freeing the space of clutter and making better use of the available space. Using shelves, taller cabinets, and other organizational items will help the room seem larger because everything has a place and there is nothing left to crowd the space. There are any number of cabinets available to fit over the toilet or along empty walls to maximize the available area, or cabinets can be hung on the wall to free up floor space.

Regardless of the size of your bathroom, it is important that you sort out the existing items in the bathroom and choose which items you want to keep and which items can now retire. Clearing out unimportant clutter from the bathroom can help you decorate the room easily and match items for your fresh theme. Don’t be afraid to be bold and exciting – make your bathroom a fun place to visit!

Another decorating idea for a bathroom is to redo the porcelain sink and the tub. These tend to take a lot of abuse through the years, and with a fresh treatment, they will look brand-new. It’s a lot cheaper than putting in all new fixtures, and it really does make your bathroom look good.

A common bathroom decorating idea for people on a budget is adding or replacing light fixtures. While choosing a light may seem like a daunting task, be aware that once you have chosen the perfect lighting to enhance your bathroom’s theme, it can make a dramatic change to the overall feel of the room. Of course, also consider new paint, tile or wall paper to freshen up the space.

Following the new bathroom decorating trends while maintaining individual taste and style can be achieved with a little research and great imagination. Building on these ideas is sure to help anyone create the bathroom of their dreams. Home decorating magazines can be quite helpful, because if you see decorating materials that you like, there is often a section that shows how you can get them. They are also good at allowing you to see how the materials you’re interested in fit with other colors in the room.

But I Need to Remodel

If you find that redecorating just won’t do, and you really need to remodel, as part of your planning process create a bathroom remodeling check list to help you determine how much of an upgrade you can afford. Make sure you know exactly where your fixtures will go when designing your remodeling project, since you need the plumbing there to accommodate them. Unless you can somehow move the location of your fixtures, your sink, tub, and toilet are going to be exactly where you have them right now. In most cases, the location of your fixtures is going to be a hard limit, so plan accordingly.

Depending on the size of your bathroom and your budget, there are a few bathroom remodeling tips that can the project go smoother, as well as make life after the project easier. For large-budgeted bathroom remodeling projects, you can go beyond your dream bathroom by expanding the area and separating the toilet from the bath area. You can even add spa treatments, bathtubs, water jets and other more expensive bathroom add-ons.

If you have a more modest budget, one of the most important things is to make sure that the shower area is easily accessible. For example, some showers require a person to step up in order to enter the shower, while others are just walk-in showers. Whichever kind of shower you choose, it is important to note that it will have to be well installed in order to prevent leaks. Another method of controlling bathroom remodeling costs could be instead of replacing your tub and all the wall tiles, you could look into a tub and wall unit that fits right over an existing tub and wall. By using this technique and for a few hundred dollars the area can look as if it is brand-new. The alternative is replacing everything, which could run into the thousands.

When you choose where smaller fixtures go in the bathroom remodeling design, think function over form. For items such as the towel rack or even the toilet paper roll, keep in mind that they should go in places that are sensible, The towel rack might look nice by the door, but if it’s out of arm’s reach of the bathtub, then you won’t be happy whenever you get out of the shower, for example. With all things in bathroom remodeling design, if you design with an eye for common sense and space, you will be successful in your attempt to create a room that’s both stylish and functional.

There is no greater joy to a homeowner then to remodel a favorite room such as the bathroom. So, enjoy every minute of it, and, more importantly, enjoy the outcome of your work and labor. Once you are satisfied with the project, you can take your first relaxing shower and enjoy the long-term benefit from the investment you made.

The myriad benefits of metal patio furniture

When you’re looking for furniture for your outdoor living space or to grace your swimming pool deck, the advantages of metal patio furniture are countless. Metal patio furniture is both versatile and durable. Patio chair covers, and all patio furniture covers for that matter, are a vital addition to the rugged metal frames. Plastic and wood patio furniture varieties simply do not hold up as well as metal, particularly aluminum, one of the more popular patio furniture metals.

The magical quality of metal patio furniture is its unique combination of strength and portability. These pieces can be easily rearranged and it doesn’t take more than one person to do it so if a party is in the making, you can quickly move the furniture to suit the crowd.

Durability is a big factor for consumers when it comes to their patio furniture. Quality patio furniture covers, and patio chair covers, are a savvy choice for consumers who seek value.

Nothing holds up to the elements like metal, whether your metal of choice is aluminum, wrought iron, or something else. Metal patio furniture is among the most durable of all accessories you can purchase for your home. Considering that outdoor lounges and chairs spend a lot of time in rain, snow, and direct sunlight, they are phenomenally durable. Metal frames are also corrosion proof, so cleaning is easy since all you really have to do is hose the stuff off. Metal patio furniture requires virtually no maintenance.

While steel and wrought iron are not as light as aluminum, they do provide incredible durability. If you choose one of these heavier metals for your patio furniture, even the black, painted metals can be invariably spruced up with extremely colorful cushions and coverings.

Whatever your taste, add a bit of accented hue to the backyard area with an array of color choices.

Metal garden furniture is not only long lasting and versatile, but very easy to maintain. Any garden can become a showplace with the addition of chairs, tables, sofa pieces, or just plain benches. The reasonable prices and wide availability of attractive metal garden furniture make it a perfect choice for homeowners who value aesthetics and economical design.