Can Small Businesses Afford to Offer Their Employees Affordable Health Care?
Though the recent campaign for presidency brought affordable health care into the limelight, many small business owners and their employees felt this struggle long before it gained public attention. One of President Obama’s campaign calling cards is his plan for affordable health care. Intertwined within the general theme of affordable health insurance was the more specific aid to assist small businesses in providing health care for their employees.
If California is any indication of the lack of affordable health care in small businesses created in the rest of the United States, there is a major problem. According to Small Businesses for Affordable Healthcare, out of all the businesses in California, more than three million employees are uninsured. Those who do have the luxury of health insurance provided by their small business employers have faced a rise in premium costs at over fifty percent. These grim numbers have made small businesses in California less than an ideal place to work.
In January 2008, the House Committee on Small Business met with many small business owners and heard first hand of the obstacles often faced by countless entrepreneurs. Though close to fifty million individuals nationwide struggle with being uninsured, more than half of these are either employees of small business owners, or the employers who operate the businesses. The magnitude of these statistics is outrageous, and small business owners have tried, unsuccessfully thus far, to fight a seemingly never ending cycle.
Business are, unjustifiably so, having to make harsh decisions, such as laying off some employees in order to provide health insurance to those they choose to remain employed. Resources that should be spent developing and growing a business are instead being put to use dealing with the incredible amount of medical claim paperwork. Businesses are literally failing, in part, due to this health care crisis.
An article from the Robert Wood Johnson Foundation cited business owners as listing health care costs to be the most important problem they deal with in the companies. Imagine beginning employed with a small business and having a particular health care plan. Then, as time goes by, the business you work for begins cutting various benefits out of your health care plan and asking you to pay more and more of the premiums. This is exactly what many small business employees face. Because of rising health care costs, employers are unable to keep up with existing plans. In order to keep the employees insured, sacrifices must be made.
Although developing policy that will provide affordable health care in small businesses is not necessarily a new venture, small business owners and their employees are putting their hope in the new presidential administration to finally “get the job done.†They wish to be able to offer a good, affordable health care plan to their employees and focus on growing the business. More than anything, they are fed up with having to make a decision between the two.
How it plays out, the world shall see.
Here this nice Video about health care
Linda Pino Admits to Congress that she personally denied Health care to one of their patients ultimately leading to his death. She also admits to many more people who should have been approved care but was denied. She was given a promotion because she saved the Insurance company MILLIONS of dollars. All agents were given bonuses for saving the company by denying care. It is utterly sickening and profound. But thats how they make their money.
Find your answer for your own question related to health care
Tags: bailout, cbs, couric, healthcare, news, palin, thinkprogres
Okay if you won't have any clinical skills or any managerial/administration skills, just what will you do? You'll have a lot of knowledge but nothing to do with it.
They have a 100 percent covered plan for them and their families for life (assuming they serve at least 6 years), along with an excellent pension plan for life.
They will care about the crisis if it is something the voters want! After all, if they are not acting in the interest of the voters, they will lose their seat and their health care plan.
Unfortunately, there is so much disagreement between the "left" and the "right" that it is difficult for congress to do anything. In addition, many people (even those who truly need health care reforms) vote based on moral values, leaving health care to be ignored.
Amazing. Nursing is like the best profession out there. There are so many sub-specialties in all professional areas.
There are about 100 different nursing specialties. See below for the list. I know that doesn't completely answer you question, but the list can give you some ideas. Research, for instance, or Business Administration, There the CSI angle, but the TV show seems to make it more glamorous than it probably really is. Then there are legal nurse consultants.
You can find a list of the highest paying nursing specialties here on the right hand column: http://www.jobs-in-registered-nursing.com/nursing-specialities/index.php
Another approach is to see what all the nursing schools offer.
You can find a list of all nursing schools here: http://www.my-nursing-career.com/nursing-degrees/index.html.
Since you already have your degree, the online option is a good one. You'd be amazed at what is available for nurses online. Check out the nursing degree search here: http://www.my-nursing-career.com/index.php
List of nursing specialties:
* Ambulatory care nursing
* Advanced practice nursing
* Behavioral health nursing
* Burn nursing
* Camp nursing
* Cardiac nursing
* Cardiac catheter laboratory nursing
* Case management
* Clinical nurse specialist
* Clinical research nurse
* Community health nursing
* Correctional nursing
* Critical care nursing
* Developmental disabilities nursing
* District nursing
* Emergency nursing
* Environmental Health nursing
* Flight nursing
* Forensic nursing
* Gastroenterology nursing
* Genetics nursing
* Geriatric nursing
* Health visiting
* Hematology oncology nursing
* HIV/AIDS nursing
* Home health nursing
* Hospice nursing
* Hyperbaric Oxygen Therapy Nursing
* Intavenous therapy nursing
* Infectious disease nursing
* Legal nursing
* Legal Nurse Investigator
* Maternal-child nursing
* Matron
* Medical-surgical nursing
* Military and uniformed services nursing
* Neonatal nursing
* Neuro-surgical nursing
* Nurse anesthetist
* Nurse-midwife
* Nurse practitioner
* Nursing educator
* Nursing informatics
* Nursing management
* Obstetrics gynecology nursing
* Occupational health nursing
* Oncology nursing
* Operating room nursing
* Orthopaedic nursing
* Ostomy nursing
* Pain management and palliative care nursing
* Pediatric nursing
* Perianesthesia nursing
* Perioperative nursing
* Plastic and reconstructive surgical nursing
* Private duty nursing
* Psychiatric or mental health nursing
* Public health
* Pulmonary nursing
* Quality improvement
* Radiology nursing
* Rehabilitation nursing
* Renal dialysis nursing
* Renal nursing
* Research
* School nursing
* Sub-acute nursing
* Substance abuse nursing
* Surgical Nursing
* Telenursing
* Telemetry nursing
* Telephone triage nursing
* Transplantation nursing
* Travel nursing
* Urology nursing
* Utilization management
* Wound care
OMG…NO!!!!!!!!!
It doesn't fail, almost every first world country has it setup as a system.
Unless of course you view treatment of the poorer people a failure.
The benefit to not treating a lot of people, is faster care for the wealthy.
If you don't want to have universal health care, the government can step in and price fix medical procedures like they do in japan. It works okay for them. They can afford adequate medical treatment because the government forces it to be affordable, and the same prices in rural as in urban areas.
The real problem with our system, coming from someone who has an entire family in medicine (Doctors, surgeons, nurses)…is the insurance companies. They buffer every side. The doctors, the hospital, the patients, everyone has to get insurance, and they are the ones forcing prices higher and higher.
think of the largest number you can – then raise that number to the 10th power
do that for every year.
Click here :
http://yfrog.com/5g21403615j
In theory, health care manager try to provide the best coverage for the lowest cost. In practice, it seem that they tend to have some initial success in reducing some unnecessary cost, but occassionally their focus in reducing or avoiding costs results in major malpatience law suits.
They don't and this is why i think mccains strategy to win is flawless.He's running so much negative stuff on obama until obama has to spend most of his time defending himself thus meaning mccain has yet to talk about his plans for the economy,healthcare or any of that stuff.And to think people have the nerve to say whats obama's plan.Whats Mccains except talking about war?
I worked in the Emergency Room for a long time. After awhile you learn that death is as much a part of life as life itself. Healthcare workers have free counseling at their disposal to help deal with those situations. Death is a part of living; I learned that one morning two years ago when I suffered a massive heart attack that should have killed me, I learned that three weeks ago when my friend died. Death is never easy to deal with; but when you're in the healtcare field you learn to keep your distance; you have to or it would kill you. I've seen children come in from drownings and baby's who were murdered at the hands of the very people who was suppose to protect them. Those, my friend, are the hardest deaths to deal with.
Death is not something we accept but IT IS something we learn to live with.
As a member of the healthcare community, we are advised to not be judgemental towards patients. I take pride in being a non-judgemental providing care for all. Have I seen it? Yes. Do I like it? No. Will something be done about it? Hopefully, but probably not.
The fact is, every patient is an individual. Each patient deserves unbiased care to make them as healthy as they can be.
If you have a really good health food store with knowledgeable people I would ask who they might know or suggest. Also the Internet site www. alternative medicine for Maine would hopefully give some info. Good Luck
~~This is a mute point because Nationalized insurance is not in the works. All the government is proposing is an alternative for people who can't get employer based insurance to be able to buy directly from the same insurance that senators and congressmen get. Otherwise, business as usual for private insurance companies.~~
Back in 1990, the Government seized the Mustang Ranch brothel in Nevada for tax evasion and, as required by law, tried to run it. They failed and it closed. Why would you trust the country's health care system to a pack of nit-wits who couldn't make money running a whore house and selling booze?
Why can people not understand the simple fact that there is no free lunch. Will doctors treat patients for free, can hospitals run without money. Will drug cos. give away medicines at no charge. Medical care is very expensive and someone has to pay for it. So called free health care will be paid by the government which does not have ANY money it did not first squeeze out of the tax payers. There is no hospital in the country that is allowed to turn away a sick person just because they have no money. Maybe they will not get world class care, but they will be treated.
Canada's healthcare isn't perfect. Neither is the US. From what I've heard from people who've moved from the US to Canada, quality of care and wait times are far better here in the US. Most people would rather pay for a higher standard of care and shorter wait times than move to a lower standard of care and far longer wait times for free. The fact that Canada is losing many of it's better doctors and nurses to the US should tell you something about the situation.
I wouldn't want a socialized healthcare system period. What I would like to see is a reform in the US healthcare system, especially in terms of US insurance companies. In the words of Obama "why take a hatchet to something that only requires a scalpel"?
we just hired two people in the compliance department at the hospital where I work. Neither had experience in compliance but lots of experience in healthcare. Keep watching for job opportunities, read as much as you can about compliance – the regulations seem to change daily!
Exactly… dont vote for her. Amazingly enough, while on the Board of Walmart, she helped devise the current scheme to avoid providing health care to as many employees as possible…
Here's something to think about: according to the census bureau, of the 47 million or so that are uninsured almost 10 million are illegal immigrants, 8 million make over 75,000 a year, another 8 million make over 50,000 a year, and 14 million qualify for medic-aid or medicare but do not apply. Hmmm. makes you think that maybe our system isn't so bad after all. So Obama needs to quit with his fear mongering and quit lying to us. There are a lot of unemployed, but 47 million is very misleading. Give us a real number!
Also the idea is that by giving health care to everyone, businesses don't have to pay for it, and then they can give more jobs, increase profit, and help the economy. Which sounds great, if you're stupid. Since Universal health care is insanely expensive, guess who pays for it? raised taxes on business and on the rich, (and apparently companies that aren't green). So it's basically a beat-around the the bush way to distribute wealth. And ask yourself this? Is it a good idea to take from from the rich? Take money from a poor man, and he becomes poorer, take money from a rich man, and he goes to work and fires his workers. So which is worse? MAYBE GOVERNMENT JUST SHOULDN'T TAKE PEOPLES MONEY!
In any plan made by Clinton the only financial incentives are to put money in her personal bank account.
I've encountered a payroll services company that also manages pre-tax health savings or spending accounts for small and mid-sized companies. You might check them out. PrimePay is the name of the company.
Not for everyone, but for Medicare 77% costs occurred in the last year of life, 52% of them in the last 2 mo, and 40% in the last month, When you are old and become seriously ill, you are more likely to die than the seriously ill young.
I agree with a lot of what Nemisis said, but I think I can simplify it even further.
Insurance is gambling. How do we keep Casino's from getting more and more corrupt, like the insurance industry is?
Caps on profits. If an insurance company had to pay out 90 cents of every dollar that it takes in, it would have to lower premiums. Pass transparent billing, enforce contract law and anti-trust laws. That is very important too, but if insurance companies were obligated to return a percentage of what they take in, not a percentage of net, but a percentage of each and every dollar they touch, health care costs would come down to a realistic level.
One law, enforce the others. Done!
I am currently researching grants to non-profit organizations in order to find funding for parent support groups for parents of children with disabilities, and would be glad to forward m Excell Spreadsheet on
Grants to those providing their e-mail address.
I know that insurance companies like Blue Cross and Aetna have set-up foundations to provide grants to non-profits engaged in educating young people in healthcare matters.
my email:
abelke59@yahoo.com
You need to talk with a local agent that works with all of the major companies in your area. Insurance companies and the plans they offer will vary from state to state and the premium with any one plan can vary by zip code.
At 22 if you are in good health you should be able to find a catastrophic plan for less than $100 in most states and a comprehensive plan shouldn't be much more than $100.
The agent will be able to explain what you need to know – there is not enough space here to tell you everything. You'll need to know about the deductible, the co-insurance, the co-pays and what is covered with the co-pay, what procedures are and are not subject to the deductible, what is excluded from the plans, which doctors accept the plans, the different types of plans and how they operate, the prescription coverage if any, and much more. There is no extra charge using an agent.
Depending on where you live, it may be very similar. Health care management and administration deals much with the same tasks such as budgeting, marketing, meeting with stake holders, dealing with several of hospitals in your given area, organizing and managing the staff that are through various departments. They also are in charge of orchestrating different rules and regulations in process of discipline, hiring and firing etc. through various hospital regions.
I will also provide you a couple of links that may explain things a little clearer to you regarding this.
http://www.aaham.org/
http://www.mshealthcareers.com/careers/healthcareadmin.htm
http://www.healthmanagementcareers.org/careers.cfm
http://www.ache.org/
From what I could see, I believe that you would need a little bit higher than a diploma. It would be either a bachelors or a masters.