Health Insurance Facts – Including 2010 Health Care Reform

Health Insurance Facts and FiguresIt’s amazing to read about the fact companies pay their top CEOs millions of dollars per year but that more than 40 million Americans – and more than 8 million children – can’t afford health insurance and don’t get it through their small business employer.The Affordable Care Act passed in 2010 aims to change this. Some of the new changes include that EVERYONE must have health insurance by 2014 or face penalties from the IRS. Small businesses will also receive large tax breaks and government stipends to help get their employees insured.Here are some more interesting facts about health insurance:Health care costs typically covered by insurance include doctor visits, hospital visits, surgery, advanced procedures, tests, home care, routine and advanced treatments and other services. Typically, the people who qualify for Medicare are those who are 65 years or older, as well as younger people with disabilities and people with permanent kidney failure. Medicaid is for people who are receiving federal government aid. It typically covers hospitalization, doctor’s visits and other types of services. Prescription drugs, chronic illnesses, uninsured patients, and longer life expectancy are adding to the rising cost of health care. Supplemental insurance covers treatments and services that regular health insurance doesn’t.Worker’s compensation covers health care costs for illnesses and injuries that occurred because of a person’s employment.Types of Plans:-Fee-for-Service: Fee-for-service plans allow you to choose the hospital and doctor you want, but you have to pay a monthly premium fee.-Health Maintenance Organizations: HMOs are prepaid health plans that require you to pay a co-payment when you visit a doctor. The plans concentrate on preventative care to keep costs down (the costs involved in treating someone with advanced illnesses are much higher).-Health Savings Accounts: These savings accounts help pay down high deductibles. They often carry over from year to year.-Point of Service Plans: These plans allow you to see doctors who aren’t inside your plan.-Preferred Provider Organizations: Like HMOs, there is a small co-payment for visiting doctors inside your plan. Unlike HMOs, you can see doctors who are outside your plan, but you’ll have to pay more of the bill yourself.-Self-Directed Health Plans: This is a PPO plan combined with a quarterly allowance that you can use for preventative health care. Like a health savings account, the money rolls over to the next year if you don’t use it.Health insurance figures:Millions of Americans are uninsured or under insured because of the soaring costs of health care. The U.S. paid almost $2.5 trillion in health care costs in 2008, and the average health care cost per American is $7,400 per year. Uninsured patients who also don’t pay their medical bills are driving up the cost of health care. Hospitals cover approximately $30 billion every year in unpaid medical bills. There are more than 40 million Americans who live without health insurance every year, and more than 8 million of them are children. Employers pay a premium of about $12,500 per year for insurance for a family of four. Economists predict that health care costs will rise to more than $3 trillion per year during the next decade.People who wait to see a doctor even though they are ill or injured often end up facing higher medical bills. Preventable hospital visits can end up costing those people more than $3,000 on average.

Play Games Online – Enjoy Every Game

After a long hectic busy day, games plays an important role to relax frayed nerves, scorched eyes and tired ears. Playing games is considered as one of the best way to be entertained oneself. Unlike traditional games, the latest online games have brought revolution in different segment of society. As a matter fact, these internet based games can be played among children, youth, professional as well as aged people. While talking about online games, there are many games for everyone, as they are blended with the regal of redefined fun, alluring excitement and in a nut shell epitomising the lighter side of life.Playing online game is a new concept in the internet revolution. Some years from now, options for having fun inside home were fairly limited. But with the tremendous advancement in IT technology, things have changed drastically in favour of users. With an outcome of online games, things have turned to one hundred and eighty degrees. As a matter of fact, the users can now play thousands of free games on their computer or laptop, provided they must have fast Internet connection. This online game mode can be accessed, across the globe.The internet is considered as the best tool for the avid players, youth and children in finding latest and lucrative games. The Internet games ranges from action and adventure to puzzle and arcade games. In addition, games based on the sports, strategy or shooting usually attract the users with new altitude of thrill and excitement. The wide array of games is no longer confined to action or board games, but a this online game world has opened even up to the Casinos. Among many games, some of them are interactive in nature as they make it possible for the player to play with anyone across the world. Therefore, depending upon the choice and preferences, one can choose any game from a wide range of simple text based games to complex graphics and virtual worlds.Apart from varied range of games, online gaming companies also pay much attention to the quality of games provided to their customers and offer them to play online pages. Playing games online brings a massive amount of revenue for the gaming industry. Undoubtedly, this has enabled the industry-experienced people to come up with the latest online games to attract the wide segment of users. Many online games are associated with a virtual community and makes the online games a form of social activity beyond a single player. As a matter of fact, online game websites provide different rooms where the player know his team-mates and can play with them, whenever he feels like. Moreover, the making of games have become so popular that technical schools have come up with the special courses related to online games.The rising popularity of online flash games or Macromedia flash games have led to an Internet revolution. This Macromedia flash games in the websites utilise features such as streaming video, audio, and a whole new set of user interactivity. Most online games such as World of Warcraft, Final Fantasy XI, and Lineage II are some of the games for which users are charged a monthly fee for subscribing the services, while online games such as Guild Wars do not require any subscription fees. Some of the online game sites rely on advertising revenues from on-site sponsors, while others such as RuneScape, allow people play for free.The “next generation” players enjoy playing online games. They feel these flash games will become a standard in society in comparison to board games. Playing games online is a real fun and exciting, no matter what you play. On an average, avid player spends many hours playing on the internet.

Philosophy in a Nutshell – The Mind, the Body and Reality

An issue which is both highly personal and quite universal is the problem of the nature of man or the mind-body problem. Is man different from animals, plants and machines? Will robots or computers ever be identical to man? Those who hold the view that people are nothing but physical matter adhere to materialism. Those who argue that man has both a physical body and a mind which exists apart from the physical brain are proponents of the dualism theory. If man is not totally a physical being, then what happens to his mind (or soul) when the body dies? Controversial issues of spirituality and immortality are raised immediately with this line of thought.Assuming that man does possess both a body and a mind, how do the two relate to one another? Interactionism holds that both the mind and the body can causally affect each other. Epiphenomenalism, on the other hand, states that physical events can cause mental events, but occurrences in the mind are not able to cause physical events. A third theory is that only the mind exists and that the material world, including the body, are simply perceptions in the mind. This brings up a fundamental question: How do you know that there are any minds at all besides your own?A sixth major area of philosophical inquiry is knowledge and science. How do we know anything? A fundamental issue is whether knowledge can be derived from pure reason or whether knowledge must be based on sense experiences. Rationalism holds with the former. Empiricism holds with the latter. The empiricist further distinguishes two kinds of science. These are formal or conceptual sciences, like logic and mathematics, and objective sciences, like physics and psychology.An almost frightening result of such inquiries is the realization that in fact there may or may not be an external world at all. This type of skepticism leaves one stuck with nothing you can be sure of! Whether absolute certainty about anything can be obtained is an inevitable controversy which arises when one attempts to wrestle with this problem.

Mission-Critical Public Relations?

As a business, non-profit or association manager, any tool that helps you reach your department, division or subsidiary objective IS mission-critical.And particularly so when that tool helps you persuade your most important external stakeholders to your way of thinking, and then moves them to take actions that lead to your success.Here is such a mission-critical tool. One that lets you get serious about your public relations. It shifts the emphasis away from communications tactics to a workable plan for reaching those outside groups of people with a large say about how successful you’re going to be – namely, your key external target audiences. The tool says, “People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished.”Use this blueprint to create behaviors that lead to activities like more follow up purchases, higher contributions levels, increased qualified employment applications, new joint venture proposals or a big boost in capital contributions.First, meet with the public relations people assigned to your department, division or subsidiary and let them know you’re serious about finding out what your most important outside audiences actually think about your organization. The rationale being that target audience perceptions usually lead to behaviors that can help or hinder you in achieving your operating objectives.Decide among you which audiences are really key to your success then build and prioritize your list of important outside groups of people whose actions most affect your unit. Now, let’s work on #1 on that list.Your new mission-critical public relations effort will rest heavily on how efficient you are in rounding up the perceptions of your key target audience.You can put your public relations team to work interacting with members of that #1 outside audience. Or, if you can tap a good sized budget, you can ask a professional survey firm to do the job for you. However, because your PR folks are already in the perception and behavior business, my choice would be to use them for this assignment.One way or the other, someone must interact with members of that prime audience and ask questions like “What do you know about our operation? Are you familiar with our services or products? Have you had any negotiations with us? If so, were they satisfactory?”But watch the responses carefully. Notice any evasive or hesitant comments about your organization? Be especially alert for misconceptions or untruths. Are there false assumptions or inaccuracies you need to remedy in light of experience that shows negative perceptions inevitably lead to negative behaviors – the kind you must correct to protect your unit’s operations.The result of all this work is that you are now prepared to set your public relations goal. For instance, clarify a hurtful inaccuracy, fix that misconception or flatten that rumor once and for all.But there’s more to reaching your goal. As with just about any goal you pursue, you don’t reach it without the right strategy to show you how to get there. Fact is, with matters of perception and opinion, you have three strategic options: change an offending opinion/perception, create it where there isn’t any, or reinforce an existing perception.Now comes some work that requires real writing talent – preparing the message you will use to carry your corrective facts and figures to members of your key target audience.The message must display several characteristics. It must be clearly written as to why that misconception, inaccuracy or false assumption should be corrected or clarified. Your supporting facts must be truthful leading to a finished message that is both believable and compelling.Now, how about moving your message to your audience? This is the least complex step in the sequence because there are so many communications tactics ready to do the message delivery job for you. They range from op-eds in local newspapers, radio and TV interviews, speeches, consumer briefings and brochures to newsletters, emails, personal meetings and many, many others. Only caution: be sure the tactics you assign to the job have a good record of reaching people just like those members of your target audience.What about progress? Only way to know for certain if offending perceptions have been altered, is to interact out there once again with those audience members asking the same questions as before. But this time, you and your PR team will be watching carefully for indications that the troublesome perception really is moving in your direction.That’s where the rubber meets the road, isn’t it? Alter the offending perception…that leads directly to the predictable behavior…that helps business, non-profit or association managers use mission-critical public relations…to reach their department, division or subsidiary objectives.