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An Ounce of Prevention

Recent news reports about prescription drug costs have told us that, as consumers, we are essentially puppets in a marionette theater. Drugs are prescribed as a knee jerk reaction by many providers with little regard to our wallets.  Pricing is increasing at rates well above any inflation numbers we see in other industries.  The majority […]

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Medicare: What if Our Employees Are Not Properly Enrolled?

If you are responsible for the health insurance for your company and your employee base is less than twenty employees, correct Medicare enrollment is critical. When employees or dependents turn age 65 they should enroll in Medicare parts A and B.  Medicare has primary responsibility for medical claims and, if it is not in place, […]

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Healthcare Costs are Spiraling Out of Control

Problems: Consumers feel no responsibility for costs of unnecessary services and do not adequately shop for the cost of their care. Providers exercise defensive medicine to protect themselves. Insurers buy and then bury technology that could make healthcare costs more transparent. Government adds layers of regulation and questionable requirements that add huge financial burdens to […]

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Where is My Reward?

Recently a team of researchers from Harvard Medical School looked at health data on 140,000 health care professionals with a particular focus on cancer-related deaths.  Their observation was that as much as 40 percent of America’s cancer diagnoses are due to bad habits and that almost half of cancer-related deaths are linked to bad habits, […]

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Ask Not What Your Country Can Do For You…

“Ask not what your country can do for you, ask what you can do for your country.”  These famous words were spoken by President John F. Kennedy during his inauguration and became the rallying cry for millions of Americans who stepped forward to improve society at the time.  Programs like Vista and the Peace Corps […]

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Where Are We Going And What Can We Do?

Our health insurance premiums increase every year and the only recourse we seem to have is to increase our deductibles and dilute our benefits.  We have clients whose health insurance premiums are now larger than their mortgages.  Does anyone know where this is all going to end? We all must have health insurance coverage that […]

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The Need for Compliance Reviews

It is not uncommon that we see employee benefit bills and rosters with individuals who do not appear to be eligible for coverage.  Although the addition or non-deletion of people may be innocent it can produce some unpleasant results and possible employer liability. Individuals who are W-2 employees of a firm are usually eligible to […]

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Fee for Service vs. Outcomes Based Reimbursement

Most of us give no thought to how our medical providers are reimbursed.  We go in for services, pay what we are told and then deal with any balance billing that arrives in the mail at a later date.  We may complain about the cost of our services, but rarely do we think much beyond […]

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Why Not Here?

In the March, 2016 issue of FastCompany.com I read the following: “How do you produce better results for people undergoing major surgery in chaotic, overtaxed hospitals?  According to the not-for-profit Noora Health, you do it by teaching family members to assist in their relatives’ care.” (full article) Noora began as a graduate project in the […]

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Patients Beware: Out of Network Providers

How many of us have had this experience:  we are told that we need a medical procedure so we select a participating provider, pre-certify the procedure, have the surgery and then . . .  the bills start coming in?  We go through them on a cursory basis until one or more catch our eye: the […]

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