To E-Prescribe or Not

September 22, 2009

E-prescribing may be the safe way to dispense medications in the future, and it’s just beginning to make inroads in the medical system.

It’s not a secret that most people will be the victim of at least one medication error a day if they happen to be in the hospital. Med errors have been known to occur in other health care environments as well such as doctor’s offices, ER settings, at pharmacies, and in long-term care. The head count for errors of this nature is close to 1.5 million preventable injuries that may be avoided by taking more care.

It doesn’t take much to make a mistake and it may all boil down to just one misread sentence or chart order for a potential fatality. Mistakes in hospitals range from overmedicating to under medicating and even giving drugs that are perhaps unnecessary or even dangerous. Medication errors increase the older the population gets and is subject to more trips to the hospital and more pharmaceutical support.

The solution to this conundrum of too many medications; not enough time; mistakes on the order charts; poor handwriting; and poor communications with other medical staff and with the patient may be avoided with the implementation of something called e-prescribing.

E-prescribing would provide the kind of knowledge currently missing for most physicians in a hospital setting – e.g. drug interactions with current meds the patient is on, information about any supplements or herbal medicines they may use, and a complete history of drug allergies and reactions. A good e-prescribing system is capable of doing multiple tasks at once and delivering virtually instant results.

E-prescribing allows health care providers to choose the right medication for their patients; considers the person’s medication history and allergies; decreases the chances of a bad drug reaction; posts the cost of the medication along with viable alternatives; and also advises if the patient’s insurance will cover a recommended drug.

Although many people wonder about the privacy and security of a system like this, it is only able to be accessed by doctors and pharmacists on a secure network that links them together. When issues like this come up in the health system, it is often more a matter of what will benefit the patients the most, than a matter of who will see the patient information.

In other words, the bottom line for the patient (and the system) is that patient safety will increase because e-prescribing will ditch illegible prescriptions, alert physicians and pharmacists about drug allergies immediately, and (perhaps the most important feature) is that it will update a patient’s medication record for “all” prescribing doctors. Finally, a way to get everyone in the medical system on the same page, working toward the same end: patient care and safety.

It seems to be working and the federal government is actually handing out e-prescribing bonuses to health care providers. The deal is if they e-prescribe for 2009 and 2010, they get a 2% boost in Medicare payments. The e-wave of the future is beginning to look quite interesting. To find out if a local doctor trying this innovative system, check out www.learnabouteprescriptions.com for a list. Look for this system to be fully implemented by 2012 and for those physician’s not using it for 2012, 2013 and 2014, to be penalized 1 percent of 2012/2013 Medicare charges, and 2 percent for 2014 Medicare bills.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

The Move Is On to Cut Health System Costs

September 22, 2009

In a move that affects the bottom line of hospitals and pharmacies, Washington cuts more money from their Medicaid program.

This particular innovation may have more applications right across America if the whole picture affecting the health system is taken into account. It’s not a national secret that the health system isn’t “healthy” and that it needs some serious revamping to make it over into something that provides access to medical services for everyone. But, that’s another story.

This story deals with the operating budgets of hospitals and pharmacies by directly affecting what they generate in revenues. The State of Washington has done some budget slicing to their Medicaid program that shaves hospital revenues by close to 4% and pharmacies will be hit with a 2% budget cut. In other words, when a druggist dispenses prescription drugs to Medicaid patients, they will be getting, from now on, 2% less for those drugs.

This is billed as not only a cost saving measure to buck up the system and make it more cost effective, but as an efficiency move with an eye to cutting down on excesses in the health care structure. While this move may sound a lot like the campaign promises of the current president, there is still a long road to travel to make changes that will boot the bloat from the system.

Washington has broader plans for cuts and trims that involve, among other things, refusing to pay for as many C-sections and will insist that more prescriptions be filled using generic drugs. While this may ultimately spell economic disaster for Big Pharma, it is definitely a step in the right direction to address out of control health care costs.

In another move that raised a few eyebrows, Washington also informed Medicaid recipients they would also be paying more out-of-pocket expenses for things like nutrition supplements and home-health devices.

The next question is how this approach would fly in other states. This is a tough question to address, as each state has a different approach to how the administer their Medicare and Medicaid programs. Ultimately this will have to be a decision that each state takes based on the merits of their existing administration, and political will.

Even though the health care system needs to be retooled in the worst way, sadly, there are proponents who would rather avoid the major issue of accessible health care for all because it would offend the big private insurance lobby. Realistically speaking, unless the big insurance monopoly is tackled, the cost of health insurance is going to continue to rise, thus shutting out low income Americans.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Health Insurance Quotes Now Easier to Obtain

July 22, 2009

Actually, getting health insurance quotes these days is much easier that it used to be thanks to the advent of the computer and a few smart insurance brokers who knew what a convenience this would be. The ability to find affordable health insurance on the Internet is as close as your mouse.

Just think about it for a second; you won’t have to call all the health insurance agents listed in the phone book, or go see them in their offices any longer. Imagine just booting up your computer and using your browser to search for an insurance website where you get health insurance quotes instantly. Yes, instantly. And they’ll be quotes that provide you with a variety of viable options for affordable health insurance.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Affordable Health Insurance Quotes a Bonus

July 22, 2009

With today’s instant this and that technology, it’s so easy to get affordable health insurance quotes that you’ll wonder why no one thought of it before now. Without too much stress or hassle you can go to one site and find out all you need to know about health insurance plans, make a list of points you want to cover, and then start asking about health insurance quotes.

Affordable health insurance is a real necessity these days, as it’s harder for people to keep a job. That means many Americans are losing their health insurance coverage. While it’s understandable that people would opt to go without health insurance, it’s not a smart idea in case something happens. And just because they have lost their job does not necessarily mean that affordable health insurance is out of reach. It’s all in the plan they choose. Shop around online for health insurance plans that are reasonably priced. No one wants to be without health insurance.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Health Insurance Affordability

July 22, 2009

Even if you have lost your job and possibly your health insurance coverage, it is still very possible to find affordable health insurance and health insurance plans that will work for you. When you’re searching online for alternatives to being without health insurance, then go over everything you find on the site with a fine tooth comb. Look for the sites that offer affordable health insurance.

In most cases, the large insurance companies will have a variety of health insurance plans to choose from, so you should be able to find something you can afford.

While it’s often difficult to totally understand all the options you are reading about on a website, make it a point to call a local agent with a list of questions. Local agents have a better grasp on what the local health insurance scene is like and what would likely be best for you and your family; they know what applies in your area. It makes no sense at all to speak to someone who is out of state about what hospital is best in your neighborhood. They’d have no clue.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Health Insurance Beefs

July 22, 2009

Do you suppose anyone would really have a beef with a health insurance company that provided not only affordable health insurance, but also a decent variety of health insurance plans?

That’s a good question and the answer, on the surface, would be “No,” no one would have a beef with good plans for reasonable bucks. However, while it might be nice to get a lower premium, there may still come a time when you need to get a problem with a claim sorted out. Then, decent health insurance plans or not, you want answers as to why your claim was denied and you want them now.

Taking up your beef with an insurance company that happens to be out of state is going to be an uphill battle and you might as well prepare yourself for a lot of frustration. The number of phone calls alone that you will make to try and get your issue resolved will no doubt ruffle your feathers. Dealing locally with an insurance agent in the state where you live will not only get you quicker service, but a knowledgeable agent who has the answers (in most cases) right at their fingertips.

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Do you suppose anyone would really have a beef with a health insurance company that provided not only affordable health insurance, but also a decent variety of health insurance plans?

That’s a good question and the answer, on the surface, would be “No,” no one would have a beef with good plans for reasonable bucks. However, while it might be nice to get a lower premium, there may still come a time when you need to get a problem with a claim sorted out. Then, decent health insurance plans or not, you want answers as to why your claim was denied and you want them now.

Taking up your beef with an insurance company that happens to be out of state is going to be an uphill battle and you might as well prepare yourself for a lot of frustration. The number of phone calls alone that you will make to try and get your issue resolved will no doubt ruffle your feathers. Dealing locally with an insurance agent in the state where you live will not only get you quicker service, but a knowledgeable agent who has the answers (in most cases) right at their fingertips.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

, visit Benepath.com.

What Will You Do When Medicare Advantage No Longer Exists?

May 19, 2009

Give some thought to what you would do if you no longer had Medicare Advantage, because in 2010 it will no longer be offered.

Come 2010 there are many things that will be changing in America’s health care landscape, not the least of which is the demise of Medicare Advantage, the old Medicare supplement plans A through G being phased out, and new plans A through G being phased in.

What will all these changes mean? To start with, there will inevitably be a lot of confusion about the changes. So for the better part of 2010, it might be very difficult to get to the bottom of what is going on with your health insurance. For instance, with regard to the changes in Medicare supplements, you will find you will either be in a closed risk pool prior to the June 1, 2010, switch-over date, or in a different (but similar) closed risk pool after the switch-over date.

What is going to cause the most confusion is that fact that nothing in plans A through G will be changing. The only thing that will make a difference is what “pool” you may end up in. Both pools, since they will be closed, will likely initially see a decrease in premiums, as the competition will be fierce for those wanting to buy health insurance. Whether or not the prices will continue to remain low is another question entirely.

Generally speaking a closed risk pool will mean higher prices for benefits. There are apparently another two additions to the Medicare supplement line up, Plan M and N, but no one seems to have all the details about what they will or will not provide.

The fact that Wellcare and Coventry will no longer carry Medicare Advantage will be disturbing to those already on such a plan. Medicare Advantage was designed for people over 65 or under 65 and on Medicare disability. Those losing this advantage will need to be integrated into the mainstream Medicare plans in some way. This is why it would be wise to speak with a knowledgeable health insurance agent now, before losing Medicare Advantage becomes an urgent issue.

One thing to note about the demise of Medicare Advantage is that those who currently have it will have guaranteed issue for 63 days. While this may be enough time for many to find alternative health insurance coverage, it would be smart to start looking now and be prepared, so you may avoid the inevitable confusion and backlog in 2010.

Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Think Local When You Buy Any Type of Health Insurance

May 19, 2009

Thinking about surfing online to find a really great health insurance quote? Here are a few ideas that may save you some serious frustration.

When you hit various online health insurance sites you will see some quotes that look pretty darn decent. And they are, however, they are also what is called “preferred” quotes and are for people in tremendous shape, with no pre-existing conditions. Since just about everyone has a pre-existing condition or two, it’s best to check around more and find out how those conditions change the price of your health insurance.

While many people really don’t prefer talking directly to a health insurance agent, this is the only way they are going to be able to find out the exact package they need and the price it will be. Rates are based on your health history, so don’t assume that the “perfect” rate on the website is the one you will be able to get. This is why you want to spend some time talking to a health insurance agent and finding out what category you would be in.

Try sticking to a local health insurance agent as well for the simple reason that they are very familiar with all the doctors and hospitals in your area. If you’re talking to agents in another state, they have no idea what your area offers you, which means they would only be able to offer you a generic health insurance package policy. What you want is something specific that addresses the very real conditions and realities of where you live, and what you need for health insurance coverage.

You would want a local health insurance agent as well to stand up for you if you have a dispute with your health insurance company. The local agents know who to talk to, how to pull some strings, and how to help resolve any problems you may have. You don’t get service like that if your health insurance company, and the initial broker you used to buy the policy, is out of state.

So, if you want health insurance coverage that really counts, an insurance agent willing to go to bat for you in a dispute, and a policy that really suits what you need and want, buy local. It’s always nice to have someone in your corner when you need them.

Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks. To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

Practical Solutions to Saving on Health Care

May 19, 2009

If reducing the cost of health care is the top priority on every American’s shopping list, then buying generic drugs will make a difference.

It’s no secret that health care is really pricey these days. Medical care is in fact getting more and more expensive every year. While saving on doctor’s fees may not be an option, there is an area to save some serious bucks – using generic drugs. It’s worth checking out.

If every American stopped using brand name drugs and switched over to the generic versions, there would be a major revolution in the cost of buying medications. However, if just one person makes the switch from brand name drugs to generic drugs, it still means saving money in the long run. Give that proposition some thought the next time the doctor hands out a prescription for a brand name medication.

While most people do tend to buy their drugs at their local pharmacy, the other alternative, and definitely a less expensive one, is shopping online through a legitimate mail order pharmacy. It doesn’t matter where they happen to be located, and it may ultimately mean only paying $10 a month for your drugs as opposed to say $100. That’s a lot of extra money to have leftover for other things.

There are two ways to shop alternatively for drugs – online brand name drug shopping for lower prices and online generic drug shopping at even lower prices. Some people claim generic drugs are not as effective as brand name drugs. This is a myth. All generic drugs are made of the same ingredients as the original brand name compound. The only differences may be in the coating or color of the pill(s). What counts the most here are the substantial savings.

One other interesting point is that studies are showing the newer brand name drugs just don’t have the same kind of track record of reliability to back them up that the older stand-by drugs are able to boast about. In addition to that worry is that newer drugs have different side effects that might be more serious than tried, proven and true, old stand-bys.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.

The Co-Pay Conundrum

May 19, 2009

Paying a co-pay while employed is a benefit. Trying to do this while self-employed is another matter entirely.

Not a lot of people actually realize that there is a difference between a co-pay situation while working and wanting the same thing while self-employed. A co-pay arrangement offered to workers is actually considered to be a benefit and not insurance. The benefit to the employee is a perk for working at that particular company.

What happens when the employee leaves the company is that they are now responsible for getting their own health insurance. Since they have been used to the co-pay benefit, they expect that is what they will get when they get their own health insurance. Unfortunately, it’s not quite that simple. While that kind of insurance is available, the deductible is extremely high, not to mention fairly prohibitive, for just one person. Co-pay benefits are usually in the bailiwick of larger corporations.

Faced with trying to figure out what other kinds of insurance an individual used to co-pay benefits, usually causes a fair amount of confusion in terms of what to replace the co-pay arrangement with. While the answer might sound a bit flippant, it truly is what the person requires in their particular set of circumstances. Take those circumstances to a local insurance agent and get them to outline the various alternatives.

It’s going to be tough to go from one kind of insurance to another after having such good benefits in the first place. Most often what happens is the customer is really disappointed when they find out that what they expected to get is not what they can afford or are even eligible. Local insurance agents have been through this kind of scenario many times and have a wide variety of options for people to consider.

Most of the options offered will be affordable, and in some instances, may be as close to co-pay as possible. In all instances though, the insured needs to make some compromises in order to get what they need to suit the reality of their circumstances. Consulting an insurance agent is a no cost venture that will provide good advice and several quotes to consider.

To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.


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