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Tuesday, December 27, 2011
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Friday, December 23, 2011
Medicare & Medicaid Doctor Directory - How to Find Doctors Who Accept Medicare and Medicaid
If you are receiving Medicare and/or Medicaid, it can often be difficult to find a doctor, be it a general practitioner or specialist, who will accept your insurance. Unfortunately the payment schedules set up by the government have resulted in many doctors opting out of the system because they simply cannot afford the substantially lower payments for Medicaid/Medicare services as well as afford to pay for the substantially greater paperwork involved in taking such patients.
Sadly, government has had a tendency to reduce reimbursement payments, not increase them, and do not seem to be interested in covering the actual cost of providing services.
Not only that, but private insurers are not longer willing to "subsidize" public patients by paying higher rates, so doctors cannot shift the ever-increasing costs to them.
As a result, at a time when more and more doctors are opting out of the system, those doctors who still take Medicare and Medicaid patients generally limit the number they will serve, so finding a doctor who will take your Medicare or Medicaid insurance is not as easy as simply opening the phone book and making a phone call. Indeed, it probably will take some real time and effort on your part.
There is not, and never has been, any requirement that doctors treat patients insured by Medicare or Medicaid. Therefore, people with Medicare or Medicaid are increasingly turning to federally funded clinics, or even to emergency rooms that cannot, by law, turn them away. Sadly, using emergency rooms for non-emergency health care is unbelievably expensive, making the lower reimbursement Medicare/Medicaid rates not financially wise in the long run.
So, how do you find a doctor that will take new Medicare/Medicaid patients?
Well, first of all, do not expect to find a doctor or, should you find one or a clinic taking Medicare/Medicaid patients, do not plan on getting an appointment quickly. Sadly, that will not happen very often. Indeed, if you need quick care, the emergency room is likely to be your only recourse.
To track down Medicare/Medicaid providers, you can contact your local health department or social service agencies to find out more information and there are a number of Medicare and Medicaid doctor directories online. While they cannot guarantee you an appointment, they do have access to information about current providers.
You can also go to the Medicare website at Medicare.gov or call them at 800-633-4227 (TTY 877-486-2048) to find Medicare providers in your area, although there is no guarantee they will be accepting new patients. It is worth a try, though.
Also, managed care is probably a better bet than private practice. HMOs organized by private insurers have a practical interest in having HMO doctors taking government-insured patients, while Prepaid Health Plans (PHPs) are generally run by hospitals or medical schools, and often only accept Medicaid patients.
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Friday, December 2, 2011
Toenail Fungus Laser Treatment - Is it Worth?
Toenail fungus a very ugly fungi that affects almost 25 million persons around America. The toenail fungus causes the toenail to be very hard and thick and turn yellow. If you've a fungus infection and you are thinking about different treatments, there are a few things to consider.
There's no flawless fix for toenail fungus. There are some oral medicines for toenail infection, like Lamisil, and these are said to treat the infection about 10 percent of the time. A new recent treatment for this fungus is the use of lasers. So far there were a few studies that show very promising conclusions. These lasers work from killing the fungus but also leaving the nail and other foot tissues un-damaged. Many big companies are looking to get in on the action.
How exactly do the lasers work? These lasers are aimed at the fungus in the toenail that basically vaporizes it while leaving your skin unharmed.
Does it work? Around first clinic studies earlier this year, almost 90 percent of the patients were able to grow out a regular appearing nail after just one laser treatment. After that treatment, the toenail should grow usually in one year if there's a healthy bed to do so. The success rate here is similar to the oral fungal pill.
Is the laser treatment Agonizing? Is it Safe? The laser has absolutely no affect on regular and healthy skin tissue, there's no pain. The studies taken so far show absolutely no side effects from taking the laser treatment to get rid of the fungus.
How long will it take? Only ten minutes are needed for treatment, per toe.
So... how safe is it? There are absolutely no health or age restrictions. In recent clinical studies there were no bad reactions, harm, ailments or side effects. As you might know, the ability to use the medication accessible today for treatment carries with it the possibility of kidney failure, lasers don't.
Will my insurance cover it? The laser treatment of for toenail fungus isn't covered by most insurance companies or plans as it's thought of as aesthetic. The cost can be anywhere from 0 to 0.
It's credited to your operation fee if you want to go forward with treatment. The treatment is usually a fee of . If your infection is resistant or if it is not responding to regular toenail growth, the nails might need the next laser treatment therapy. This sometimes happens when all of your toenails are extremely infected. You may need additional treatments in this case.
If the toenail lasers, which did recently finish small clinical trials really work, they will show a recent way to cure toenail infections by killing the fungi while keeping the toe whole and healthy.
Currently, there's no sure fix. The fungus are so smart that popular fungus pills, which move the risk of liver cause injury to, are totally successful under 50 percent of the time. And medications that you physically put on your toes work less than 10 percent of the time.
Drug companies like Schering-Plough are working on recent pills and ointments and lotions to fight the toenail fungus.
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Monday, November 28, 2011
Sacro Occipital Technique For Chiropractic Care
Sacro Occipital technique or SOT is an old chiropractic treatment that's still being used today. There's continuous proof of its effectiveness from clinical experience and scientific investigation. The SOT technique involves the importance of normal cranial function which is often overlooked. It mainly has to do with the cranial sacral respiratory mechanism which is a wavelength oscillation or in the covering of the brain and spinal cord. It needs to function properly in order for other functions in the body work correctly. Patients usually feel relaxed during this treatment. There may be some mild pain when adjustments are made but nothing to worry about.
The purpose of the Sacro Occipital technique is to help the function and health of the entire body. A combination of spinal and extremity alignment, soft tissue analysis and cranial sacral procedures are used. The body's entire structures are analyzed to find out if there's a nerve imbalance. When neural communication pathways between the brain and the spinal cord are working properly, mental and physical health problems will improve. Organs also need proper nerve supply in order to function optimally. These include high blood pressure, urinary problems, headaches, visual disturbances, respiratory problems and female reproductive problems. Nervous disorders or anxiety, extreme fatigue and posture problems also improve.
Sacro Occipital technique is based on using analysis so the doctor will know which treatment is best for the patient. The SOT adjustments each has certain indicators or clinical findings that show how and when to adjust subluxations. Indicators are based on neurological reflex patterns, neurological tests, weak muscles and other things. This system puts treatments into categories. After the category is determined for a patient, the treatment protocols are started. Indicators are monitored and adjustments may be added or removed at each visit depending on what the patient needs. Indicators also allow the chiropractor to determine when he has made a correction.
Some types of SOT treatment protocols are primary respiratory mechanism, cranial movement, neurological indicators, blocking and cerebrospinal fluid flow. Wedge shaped blocks are places under the low back or pelvis area to adjust the sacrum. Primary respiratory mechanism has to do with the pumping action of the craniosacral respiratory mechanism. SOT uses diagnostic and treatment methods to evaluate and return cranial movement to normal. Abnormal function of the neurological system needs treatment. Different adjustments involve blocking procedures that are also part of the SOT technique. Proper cerebrospinal fluid flow is important to good health.
Dr. M. B. DeJarnette developed this technique with study, research and clinical application. Sacro Occipital is said to naturally improve health when structural misalignment is corrected.
Misalignments can occur in the pelvis, spine, cranium, shoulders, arms, legs, knees, feet and organs. Pain can heal in all parts of the body when they're corrected. This includes pain from disc degeneration, herniation, sciatic pain and plantar fascitis. Excellent health can result when the skull, pelvis and spine are aligned and in balance. SOT is often used with different techniques. Patients are sometimes given direction about their diet and nutrition along with the Sacro Occipital Technique.
Friday, November 25, 2011
How Does a Chiropractor Help Heal My Back Pain?
For most people back pain is an unanticipated injury that can be debilitating and stop all productivity for quite some time. The treatments for back pain vary from pain pills to rest to stretching, but there is one more arrow in the quiver that most people do not realize works as well, if not better than any of these treatments for some recipients.
Chiropractic care is basically the use of sudden and precise pressure to manipulate a bone within the joint. It does not involve pulling and joints apart or damaging them in any way. Although some people do experience pain after the initial adjustment, the pain does go away soon and hopefully you are better off afterward than you were before.
The main key component to a successful chiropractic treatment regime is consistency. You must meet with your doctor on a regular basis to keep your spine from going back into the position that you experienced the pain in initially. Some back problems are so severe that months or even years of treatment are required before significant progress is made, but it is almost always made to progress.
I do not mean to paint the picture that the chiropractor will just attack you as soon as you walk through the door either. Most likely he will have you come in and lie flat on your belly on a bed that will move your lower body in a fashion which will loosen up your back muscles. This is done to make manipulation easier, after all if your bones do not move, it will not help you get better.
After your back is loosened up, the doctor will contort your body into positions that you may feel a stretching sensation in your body, and then the doctor will apply a sudden force to a specific point on your body. In all likelihood and ideally you will feel a "pop". After a series of these adjustments, you can follow up with some massage treatment and maybe schedule your next appointment.
The value in a chiropractic regime is that your joints will stay fluid and movable, and you may even experience a substantial reduction in pain right away.
Saturday, November 19, 2011
How to Maintain a Competitive Advantage in a Local Marketplace
Every small to medium sized business faces challenges building and maintaining market share in local markets. This is one of the greatest challenges facing small business owners; how to stay one step ahead of the competition? Whether you are a Chiropractor in Boise, an Electrician in Denver, or an Auto Mechanic in Dallas your business can benefit greatly from having a greater understanding of your competition. Who makes up their client base? Where do they advertise? What factors influence the decision-making process for their customers? More often than not, it is the little details that make a big difference.
The ideal starting point for understanding your place in your market is to gain a broad understanding of your local industry. This principle applies regardless of the business you are in. If you don't understand the type of competition you are up against, how can you develop strategies to capture market share? A good old-fashioned brainstorming session is in order at this point in your research and planning. Start by identifying the other businesses in your area that are providing services similar to yours, and write them down. After you have build up a meaningful list of competing businesses, pull together all of their vital information. This includes, but is not limited to, their business address, phone number, zip code, fax number, etc. The local yellow pages is a great place to do further research. Do they have a website? Are they members of the Better Business Bureau? Try to capture as much information as you can, and then compile it into a spreadsheet for future reference.
The next step is to try to understand where your competitor's customers come from. Do they have a well-established local brand that has the benefit of incumbency? What types of advertising do they perform? Does their physical location come into play? Is word-of-mouth a significant factor in their success? Now perform the same exercise, only this time in reverse. What opportunities are your competitors missing out on? Once you have identified what they are doing, you will have insight into what they are not. Don't forget to research these same companies on major search engines such as Google and Yahoo! While you are researching your competition online, try to determine whether or not your competition has a website. Increasingly, more and more consumers use the internet as a research tool.
If your competitors do not have a website, this is one way to differentiate your company from theirs. Once you have a website, start using Google AdWords to promote it! Create special offers and incentives to promote in your AdWords campaigns. Give something away! Extend a discount! Another way to promote your local business is to establish partnerships with companies that offer products and services that are complimentary to yours, but are not considered direct competitors. For instance, if you are in the business of repairing widgets, wouldn't it make sense to partner with a company that sells widgets but does not repair them. This concept lends itself well to word-of-mouth marketing, which is easily one of the most effective forms of marketing. The key to maintaining a competitive advantage in a local marketplace is differentiation! What makes your company different from your competitors? Where do you add value in your market? These are the things that you, as an entrepreneur, should be thinking about...and acting upon!
Tuesday, November 8, 2011
How Much Compensation Will I Receive For My Whiplash Injury?
The purpose of Whiplash Compensation for pain and suffering following an accident is to try and put you back in the same position you were in before the accident. But how is this possible when you are talking about an injury claim? How can an amount of compensation make you better, take away your pain and make you feel as if nothing happened? Sadly, it can't but this is the only measure or yardstick that can be used to try and make the situation better; i.e. financial compensation.
The compensation award is more straightforward when you are talking about your losses and expenses rather than your physical injuries. For instance if your car needs bumper and other bodywork repairs, it is easy to put you back in the position you were in before the accident by recovering the cost of the repairs.
The two different types of awards are called General Damages (the compensation for your pain and suffering) and Special Damages (the compensation for your losses and expenses). I will look at each in turn, tell you how they are calculated, and outline the main types and amounts of General Damages compensation payments.
Damages
Damages is the legal term used to describe the compensation, so for damages just read compensation.
General Damages
This is the compensation award that you will receive for your pain and suffering. Your sore neck, headaches, shoulder pains, giddiness and dizziness, and the impact that has on your day to day living. For instance, if you have a newborn baby and you suddenly cannot pick up or look after your baby, this will lead to an increased element to your award. Again, you would much rather not have had the pain so that you could hold your newborn baby, but all the court can do is to let you have an additional sum of compensation to recognise your suffering.
With any claim for compensation your solicitor will have to obtain evidence that he can show to the other side and to the court (although the majority of all whiplash claims are settled without the need for a final court hearing). The evidence he will obtain to support your claim for General Damages will be a witness statement from yourself and your family detailing the effects of the injury, and also a medical report. This will be from a GP or an Orthopaedic Surgeon. They will carry out a full medical examination and assess the extent of your injury, recommend any treatment and provide you with a prognosis which is their opinion of how long your pain will last.
Once your whiplash solicitor has this evidence, he will be able to estimate how much General Damages compensation you will receive. He will refer to previously decided cases, and also a book called The Judicial Studies Guidelines For The Assessment of General Damages.
This book splits the compensation awards for Whiplash into the following brackets:
£750 to £2500 for recovery within 1 year £2400 to £4250 for recovery withing 2 years £4250 to £7750 for a slow recovery of more than a minor whiplash injury £7750 to £13750 for permanent whiplash symptoms
This is how your solicitor and the other side will agree on a settlement for your whiplash pain and suffering. So what about your losses and expenses?
Special Damages
It is much easier to assess your claim for Special Damages because they relate to actual and measurable losses. You will be asked to provide receipts and invoices for any expenses or losses sustained. The most common ones are detailed below.
Car Repairs.
The most obvious one, and an important one for you because if you do not prove that the accident was not your fault your insurance company will have to pay for the repairs and this will impact on your no claims bonus. You do not want to have to pay higher insurance premiums for somebody else crashing into your car. The invoice from the garage will confirm the costs of repairs.
Storage Of Your Car.
If the garage had to store your car whilst they were waiting for the other driver's insurance company to approve the repairs, these charges will form a part of your Special Damages claim.
Car Hire.
If your car was off the road for a number of days and you needed to travel for work or personal reasons, it is reasonable for you to hire a car. However, you must hire a similar car to your own. You will not be able to recover the costs of a Ferrari car hire if you usually drive a Ford Focus.
Lost Earnings.
If you lost money from your salary packet as a result of time away from work, you will be able to claim this back too. Your wage slips will confirm the extent of your losses. Even if your employer kept paying you if you were away from work they might have a clause in their contract that makes you claim the money they paid to you back. You will therefore need to include this as part of your claim.
Treatment.
Whether you received private physiotherapy or chiropractic treatment you can reclaim the cost of treatment. Often the other driver's insurance company will pay for this at the time of the treatment to save you from incurring the expense.
Travel expenses.
This can include travel to treatment or to the garage to collect your car, and is assessed by mileage or receipts from bus or train companies.
Damaged Items.
If any of your items were damaged in the accident, personal possessions such as ipods or sunglasses, you can reclaim their costs (you will need the purchase receipts).
Medication.
This can include pain killers, prescriptions or neck braces.
Any other expenses that have been reasonably incurred can also be reclaimed as part of your Special Damages Claim
Summary.
Your claim for Whiplash Compensation includes a claim for General Damages and Special Damages. Now that you have read this article you will have a good basic understanding of how your claim will be assessed by your solicitor.