Health Blog

Do Not Read This Unless You are Making a lot of Money!:

If you would like to know how you can save up to 47% on your current Health Insurance Coverage read on… this is going to be one of the most informative messages you will ever read. After reading this message you will never going to have words; expensive and health insurance in the same sentence.

As you already know health insurance costs are at highest they have ever been and there is no sign of them slowing down. More and more Americans are forced to cancel their coverage simply just because they cannot afford it.

Who are the uninsured?

• Approximately 46 million Americans, or 15.7 percent of the population, were without health insurance in 2004 (the latest government data available).

• The number of uninsured rose 800,000 between 2003 and 2004 and has increased by 6 million since 2000.

• The increase in the number of uninsured in 2004 was focused among working age adults. The percentage of working adults (18 to 64) who had no health coverage climbed from 18.6 percent in 2003 to 19.0 percent in 2004. An increase of over 750,000 in 2004.

• Nearly 82 million people – about one-third of the population below the age of 65 spent a portion of either 2002 or 2003 without health coverage.

• The number of uninsured children in 2004 was 8.3 million – or 11.2 percent of all children in the U.S. (1).

You might say that I have great coverage that I am happy with… that’s totally fine.

For past sever years average rate increase for health insurance was 16.2% and what if it keeps on going? If you are right now paying $500 per month for your health insurance in three years from now you would expect to pay over $780 for the same plan. Wait… we all know that insurance companies consistently decrease their benefits and increase co-pays and deductible. Therefore you will pay more for less coverage. By the way if you keep same plan for over five years you will pay over $1000 a month just for your medical coverage. What if you use your Health Insurance?… Chances are if it is not for a regular doctor visits or a check ups it would be considered pre-existing condition. That means your chances of changing to a more affordable coverage in the future will be nearly impossible. That is one of the main reasons people cancel their health insurance because they were diagnosed with something or taking a prescription medication and the insurance company kept raising their rate until they could not qualify for any other coverage and could not afford the one they had.

Now you are saying I do not need coverage my spouse works for a company and I have group coverage… Great.

What would happen if your spouse left that job or the company stopped providing benefits? Probably the most obvious things that you can see how much that group coverage is really costing you. Next time check how much is deducted out of the paycheck for health coverage, especially for dependents. Group plans do cost more money because by law they are what are called “guaranteed issue”. That means you can have serious medical conditions and still get coverage. Insurance companies have to follow the law and they know they have to accept everyone who works for a large company, therefore they do charge more money for coverage. The biggest problem is not the cost of group health insurance it is what happens if some one, while on the group plan, is diagnosed with a condition or starts to take prescriptions medications. We get back to same issues as mentioned before, unable to qualify for health insurance in the future. There are people that want to leave their job but they cannot because they are going through treatment and cannot to pay for it on their own.

There is another solution… Some might save, so what is the point of even having health insurance. Once you diagnosed with something and insurance company is going to keep raising rates to the point where I am going to have to cancel it anyway. Especially if something does happen and I have to use my coverage I might not be working and I might not have income. Is my insurance company is still going to keep raising my rates? YES.

Before you think about cancelling your coverage consider this. Here are some statistics

• A recent study by Harvard University researchers found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses. Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health problem.

• Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs.

• Average day in the hospital is $7500 per day.

How can you save up to 47% on your health insurance? Simple… You probably already heard of Health Saving Accounts. They are becoming more and more popular everyday. With the way health insurance prices are moving today Health Saving Accounts are the only way to keep your coverage, save hundreds per month on your health insurance and still have a peace of mind.

To this day I was not able to hear a good definition that everyone can understand. I will do everything I can to make it simple to understand. The easiest way to understand Health Saving Accounts is to think of them as Roth IRA or your Company’s 401k plan. Instead of giving your money away to insurance company you get to keep it more of it for yourself. The way HSA plans work is there health insurance combined with savings account which works in a similar way to your retirement account. There tremendous benefits to have HSA qualified health plan. First all the money that you put in to your HSA account is 100% tax deductible and it is your money that rolls over year after year. At the age of 65 and up if you have not used up all of your HSA money you can roll it over in to your retirement account. Second your health insurance costs are going to be cut almost in half. For example if you had Health Insurance plan with $2500 deductible now and it is costing you $300 per month the same plans with HSA qualified plan, now will cost you only about $160 per month. The reason you save so much money with HSA qualified health plan is because HSA qualified plans do not cover anything until the deductible is met. There are exceptions depending on the Health Insurance Company. Some insurance companies will pay for your once a year physical before you meet your deductible.

Let take an example of how HSA qualified plan could benefit you. Let take some actual numbers from actual health insurance company. In this example I am going to use HSA plans from company called Assurant Health. Assurant Health is leader in Health Saving Accounts and they one of the first companies to implement them. The main reason is that Assurant Health is part of the world’s largest financial company that sets up retirement accounts. In this example I am going to use a family of four, husband 46, wife 42, kids are 12 and 16. On a regular family plan with $2500 deductible, maximum out of pocket of $5500, co-insurance of 80% and doctor visits covered with $35 co-pay, they are going to pay $676.40. Something to keep in mind that all of the regular PPO plans that are available on the market today have family deductible which is double of individual deductible. That means that if you have a plan with $2500 deductible and $5500 maximum out of pocket that means that your family deductible is $5000 and your family maximum out of pocket is $11,000. When we are comparing HSA qualified health plans there is only one deductible, once you meet it you are covered at 100% on the most plans. There are some companies and plans that you still might be responsible for the percent age of the bill until you reach your maximum out of pocket. Most HSA plans do not have maximum out of pocket that meant once you met your deductible you are covered at 100%, it’s that simple. The same plan with $5700 deductible for the entire family with HSA qualified health plans will only be $491.64 per month. For the total monthly savings of 184.76 per month. Also your maximum out of pocket will decrease from $11,000 on a regular plan to $5700 with HSA health plan. That’s yearly savings of $2,217.12 and additional savings of $5300 on the maximum out of pocket. (that’s if you have had to use the plan for emergencies) The main reason for starting HSA health insurance is for Saving Account and being able to put money in to account, at your discretion, tax free. You can put money in to HSA qualified account up to your deductible and you do not have to put any money in to that account if you do not want to. Health Saving Accounts are as flexible as you would want them to be. TO get more information on HSA accounts and get quotes for HSA qualified health coverage see my bio.

Family comes first and so does their health. We all care for our family memebrs and it’s important to secure their health by buying the best mediclaim health insurance coverage that can meet the health related needs of your family. Mediclaim health insurance coverage comes with a variety of benefits to ensure your family’s wellbeing. If your major concern is availing cheap and quality health care services and coverage, we have perfect solutions for you.

The family health insurance services cover the entire health care expenses and long-term nursing or custodial care requirements. The most affordable mediclaim health insurance policies come with easy health care premiums these days. The health insurance coverage for families includes medical care and treatment of ailments and accidents. Some companies also feature critical illness cost within the mediclaim health insurance coverage. Diagnosis, lodging, surgery and ICU charges are covered by the family health insurance policies. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.

The leading health insurance companies today, offer affordable group health insurance and family health insurance coverage.  What’s more! In the time of ascending health care costs, mediclaim health insurance companies are charging easy premiums. Most of the famous health insurance companies offer a wide variety of floater plans ideal for the health care of families. Family floater plans are ideal to cover health care expenses for an entire family. This unique policy allows you to cover your family’s medical expenses under one umbrella. The sum insured remains fixed, while the premium keeps changing. Tax saving benefits is calculated on basis of the changing premium.

Apart from covering costs on illness and surgeries, the family floater health insurance includes coverage for emergencies arising out of acts of terrorism. Cashless facility comes to you across the network hospitals listed on your insurance company’s coverage list. As additional benefits, the floater plan offers you a 2-year continuous coverage with no change in premium in the second year.

Go through the rates and premiums of insurance policies online before you purchase a mediclaim health insurance plan for your family! Family health insurance plans offered by the various companies include coverage for emergency illness as well as regular health check up expenses. Premium discounts are offered for every claim free year. Some insurance companies offer you Standard, Exclusive and Premium Family health insurance coverage. These plans vary in premiums and coverage. You can select from health care premiums ranging between Rs 1 lac to Rs 10 lacs. This way you can make sure that you have chosen a best health plan for your family. Insure your family members and ensure peace of mind.

MAJOR HEALTH PROBLEMS OF ORISSA

 

By Dr Nihar Ranjan Ray

  

Orissa is a high focus state for its culture, heritage, rich with minerals and diseases as well. It has rated as one of the measurable state so far the health care is concerned. Badly affected by the poverty, illiteracy, natural disasters Orissa registered very poor health indicators as per the WHO reports. Its state with a population of 3.68 crores, comprising of 85% rural habitants, with 22% Scheduled Tribe and 16.5% Scheduled Caste population. From a lot of health issues I need to focus the following topics with bird vision felling their importance and seriousness.

 

 Infant mortality

Infant Mortality Rate (IMR) is only 53 per 1,000 live births in urban areas as compared to 76 in rural areas, only 26.4 per cent of tribal children are immunized when compared to 43.7 per cent among the general population in the State and anemia is very high of 61.2 per cent among women.

The State needed to arrest the malnutrition trend as early as possible. “The level of malnutrition in the State is quite high. Over 30 per cent of children are severely malnourished. As per the latest survey, 40.7 per cent under age of 3 are underweight, 45 per cent are stunted and 19.5 per cent are wasted. About 65 per cent of children aged between 6 and 35 months are anemic.

Maternal mortality rate

One woman dies every seven minutes from complications related to pregnancy and child birth in India and in Orissa nine women die everyday for the same reasons.

The MMR in the state has come down from 367 per one lac (100,000) child births in 1993 to 358 deaths per one lac births in 2003 which is a very negligible drop. In fact there has not been any significant reduction in the rate of maternal deaths in the last few years and this is a worrying factor, said participants at the “Know Your Entitlements” organized here to coincide with the National Safe Motherhood Day.

The White Ribbon Alliance-Orissa in collaboration with Department of Health and Family Welfare, government of Orissa, Unicef and UNFPA organized the workshop.

With a view to curb this problem by minimizing maternal death rate, the White Ribbon Alliance for Safe Motherhood unites individuals, organizations and communities who are committed towards increasing public awareness on this issue and promote Safe Motherhood.

This year, the Central government declared, “Know your Entitlement” as the theme of the National Safe Motherhood Day. The objective was to generate awareness amongst women and family members on their entitlements under various schemes and policies taken up by the government.

Several NGO’s working in the health sector across the state including the Nehru Yuva Kendra which has trained 12,000 youths for the purpose participated in the workshop here today.

Flood ravaged Orissa

Floods cause health problems in Orissa: Oxfam India has warned that 8.5 million people affected by July’s floods are facing serious health threats. 78 870 cases of diarrhoea have occurred, resulting in 41 deaths; 124 cases of jaundice were reported, with two deaths. 300 people have been bitten by snakes, leading to 22 deaths.

Malaria

Malaria is the foremost public health problem of Orissa contributing 23% of malaria cases, 40% of Plasmodium falciparum cases and 50% of malaria deaths in the country. The tribal population are badly affected by the  Malaria. More than 60% of tribal population of Orissa live in highrisk areas for malaria. Though the tribal communities constitute nearly 8% of the total population of the country, they contribute 25% of the total malaria cases and 15% of total P.falciparum cases. Various epidemiological studies and malariometric surveys carried out in tribal population including primitive tribes reveal a high transmission of P.falciparum in the forest regions of India, because malaria control in such settlements has always been unattainable due to technical and operational problems. In a specific

study conducted in undivided Koraput district, it was observed that the district is endemic for malaria and is hyperendemic in top hills where Bondo primitive tribes are residing.

 

Diarrhoeal Disorders

Water-borne communicable diseases like gastrointestinal disorders including acute diarrhoea are responsible for a higher morbidity and mortality due to

poor sanitation, unhygienic conditions and lack of safe drinking water in the tribal areas of the country. In a cross sectional study conducted by RMRC, Bhubaneswar in 4 primitive tribes of Orissa, the diarrhoeal diseases including cholera was found to occur throughout the year attaining its peak during the rainy season .Generally the infants ,preschool children and adolescent groups are mostly affected.

 

Micronutrient Deficiency

Orissa is very much infamous for starvation death cases. Micronutrient deficiency is closely linked with nutritional disorders and diarrhoea. Deficiency of essential dietary components leads to malnutrition, protein calorie deficiency and micronutrient deficiencies (like vit A, iron and iodine deficiency). Vitamin A deficiency in the form of Bitot’s spot, conjunctival xerosis and night blindness was observed

 

Skin Infection

Skin problems like scabies is a major health problem amongst the rural population of orissa and the problem is much worse in the primitive tribes because of overcrowding and unhygienic living conditions as also close contacts and lack of health awareness. In a study conducted by the RMRC, Bhubaneswar.

 

Intestnal Paracitism

Intestinal protozoan and helminthic infestations are the major public health problems and were observed in Most of these infections are due to indiscriminate defecation in the open field, bare foot walking and lack of health awareness and hygiene. The problem enhances in the rainy season. These are preventable with repeated administration of anti-helminthic and protozoal treatment at 4 months interval which can be used effectively in national parasitic infection control program.

 

 

 

HEALTH INDICATORS OF ORISSA

             The Total Fertility Rate of the State is 2.6. The Infant Mortality Rate is 73 and Maternal Mortality Ratio is 358 (SRS 2001 – 03) which are higher than the National average. The Sex Ratio in the State is 972 (as compared to 933 for the country). Comparative figures of major health and demographic indicators are as follows: 

Table I: Demographic, Socio-economic and Health profile of Orissa State as compared to India figures 

S. No.

Item

Orissa

India

1

Total population (Census 2001) (in million)

36.80

1028.61

2

Decadal Growth (Census 2001) (%)

16.25

21.54

3

Crude Birth Rate (SRS 2007)

21.9

23.5

4

Crude Death Rate (SRS 2007)

9.3

7.5

5

Total Fertility Rate (SRS 2006)

2.6

2.9

6

Infant Mortality Rate (SRS 2007)

73

57

7

Maternal Mortality Ratio (SRS 2001 – 2003)

358

301

8

Sex Ratio (Census 2001)

972

933

9

Population below Poverty line (%)

47.15

26.10

10

Schedule Caste population (in million)

6.08

166.64

11

Schedule Tribe population (in million)

8.15

84.33

12

Female Literacy Rate (Census 2001) (%)

50.5

53.7

 

 

 Table II: Health Infrastructure of Orissa 

Particulars

Required

In position

shortfall

Sub-centre

7283

5927

1356

Primary Health Centre

1171

1279

-

Community Health Centre

292

231

61

Multipurpose worker (Female)/ANM at Sub Centres & PHCs

7206

6768

438

Health Worker (Male) MPW(M) at Sub Centres

5927

3392

2535

Health Assistant (Female)/LHV at PHCs

1279

726

553

Health Assistant (Male) at PHCs

1279

168

1111

Doctor at PHCs

1279

1353

-

Obstetricians & Gynaecologists at CHCs

231

NA

NA

Physicians at CHCs

231

NA

NA

Paediatricians at CHCs

231

NA

NA

Total specialists at CHCs

924

NA

NA

Radiographers

231

8

223

Pharmacist

1510

1984

-

Laboratory Technicians

1510

311

1199

Nurse/Midwife

2896

637

2259

(Source: RHS Bulletin, March 2007, M/O Health & F.W., GOI) 

Health Institution

Number

Medical College

4

District Hospitals

32

Referral Hospitals

 

City Family Welfare Centre

 

Rural Dispensaries

 

Ayurvedic Hospitals

8

Ayurvedic Dispensaries

624

Unani Hospitals

-

Unani Dispensaries

9

Homeopathic Hospitals

-

Homeopathic Dispensary

603

  

  

  

  

  

Conclusion

     Despite the above said problems we have to make our stands strong to fight against the disease, poverty, illiteracy and natural as well as the man made disasters(Naxlite problem).Now under the able leadership of Mr Naveen Pattnaik Orissa has registered record foreign investment as well as an appreciable economical growth. Now it is time to flex our muscles and brain to expedite our development in health care system. Orissa is doing well in the influence of NRHM .Orissa has many a miles to go to improve its health indicators that needs a lot of patience, composure and brain storming.

                             

                                                                       Dr.Nihar Ranjan Ray

                                                                       Dt.29th july 2008

Healthy children are easier on the household budget unfortunately not everyone is so blessed so what do you do? When considering the family budget and being a good parent, providing quality healthcare at a reasonable price is right up there with the mortgage payment, car payments and college tuition.

Health Savings Accounts can be simple and easy to understand. A Health Savings Account is a tax-favored savings account combined with a qualifying high-deductible health insurance plan. Health Savings Accounts allow you to legally avoid federal income tax by depositing 100% of the health plan’s deductible, up to $2,850 for singles or $5,650 for families, into your Health Savings Account. Health Savings Accounts, (HSA) touted as a way to lower health-insurance costs and broaden coverage, have fallen short of their promise. They are gaining popularity because they allow individuals, rather than an HMO or the government, to take charge of their health care. Also, they’re an excellent option for individuals and families without employer-sponsored health insurance. Health Savings Accounts are becoming quite popular for people who are generally healthy and they’re leading the way in this transition.

Savings can be used to help pay the deductible and for non-covered medical expenses, such as dental and vision. Savings reduce or eliminate annual out-of-pocket exposure. Savings not spent remain in the HSA tax-deferred. Savings and investments unlike premiums, unused HSA dollars remain in the HSA until you use them later. Day-to-day expenses come out of the health savings account, while catastrophic expenses are covered by insurance. Health Savings Accounts are gaining popularity because they allow individuals, rather than an HMO or the government, to take charge of their health care. A Health Savings Account combined with a High Deductible Health Insurance Plan gives individuals an economic incentive to become better consumers of health care services because they are now spending their own money up to the level of their high deductible. Health Savings Accounts are an excellent option for individuals and families without employer-sponsored health insurance.

If your employer offers a high-deductible health insurance policy, you may be able to make pretax contributions, like you would with a flexible-spending account. Legislation passed by Congress December 9, 2006, will let you make a one-time transfer of funds tax free from a flexible-spending account to an HSA. You cannot have an HSA if you use a flexible-spending account to pay health-care costs or if you have other medical coverage (say, through a spouse’s policy). You can keep the money in an HSA account even after you leave that job, similar to a 401(k). Keep in mind that you can continue to withdraw money from the account tax-free for qualified medical expenses after age 65. You can’t make new HSA contributions after age 65, but you can still use the money in your account tax-free for medical expenses at any age.

Deposits to an HSA may be made by any policyholder of a qualified High Deductible Health Plan (HDHP), by an employer on behalf of a policyholder, or any other person. Previously, the annual maximum deposit to an HSA was the lesser of the HDHP deductible or specified IRS limits. As of 2007 plan years, Congress has abolished the lower limit based on the deductible, and the maximum contribution will simply be the statutory limit. These include deductibles and coinsurance as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; purchase and use of qualifying over-the-counter medications; and transportation expenses related to medical care. Contributions are deductible, the account accumulates tax-free, and withdrawals used for medical expenses are tax-free. Contributions and gains can be rolled from year to year – there’s no “use it or lose it”. Contributions to the HSAs are tax-deductible at the federal and state level.

Healthcare is the number one issue facing many individuals and companies in America. Now with the release of Michael Moore’s new movie, SICKO, the debate on healthcare in the USA in on. Many well-meaning people believe that a government take-over of healthcare coverage, called a “single-payer” system, is the answer. Health Savings Accounts are combined with a High Deductible Health Plan (HDHP) to offer a more affordable approach to healthcare. They were created to help give control back to consumers and lower healthcare costs. While most healthcare insurance clients say they are satisfied with their current plans, the landscape changes when major illnesses start. Alternatively, your HSA balance can be used to cover your post-age-65 healthcare costs including Medicare Part A and B premiums, Medicare HMO premiums, garden-variety health premiums, insurance deductibles and co-payments, prescriptions, long-term care insurance premiums, and so forth. But what about the person who lives pay check to pay check or the single parent trying to provide healthcare for themselves and children. Combine a tax-favored Health Savings Account (HSA) and an HSA-eligible health insurance plan to save money tax-free for healthcare costs.

Health Savings Account Plans help you take control of your health care expenses with a tax-favored savings account and quality medical coverage. Health Savings Account (HSA) Plans are an excellent choice for individuals and families who want to control their health insurance costs by combining a lower cost high deductible health insurance plan with a tax advantaged savings account and network discounts. Learn how to take advantage of the money-saving benefits of a Health Savings Account. By allowing you to deposit tax-deductible funds into a health savings account that you can use to cover medical costs, Health Savings Accounts enable you to take control of your own health care decisions. Once your insurance policy has become effective, you may begin to fund your Health Savings Account. Please note: To obtain the maximum tax benefit from your Health Savings Account in 2008 as well as lock in 2007 rates, you must have your HSA-qualified insurance plan effective no later than December 31. There are about 10 million people enrolled in “consumer-driven health plans,” and about 6 million of those are Health Savings Accounts. To really maximize your savings pair up a Discount Health Plan, for the everyday savings on you health care, with your HSA and HDHP. You may want to read my other article on Healthcare and the Family Budget – How to Get the Biggest Bang for Your Buck!