Paying for Health Care – Health

The cost of health care in the United States is expensive and is escalating. A majority of Americans cannot afford the cost of medicines, physicians’ fees, or hospitalization without some form of health insurance. Health insurance is a contract between an insurance company and an individual or group for the payment of medical care costs. After the individual or group pays a premium to an insurance company, the insurance company pays for part or all of the medical costs depending on the type of insurance and benefits provided. The type of insurance policy purchased greatly influences where you go for health care, who provides the health care, and what medical procedures can be performed. The three basic health insurance plans include a private, fee-for-service plan; a prepaid group plan; and a government-financed public plan.Private Fee-For-Service Insurance PlanUntil recently, private, fee-for-service insurance was the principal form of health insurance coverage. In this plan an individual pays a monthly premium, usually through an employer, which ensures health care on a fee-far-service basis. On incurring medical costs, the patient files a claim to have a portion of these costs paid by the insurance company. There is usually a deductible, an amount paid by the patient before being eligible for benefits from the insurance company. For example, if your expenses are $1000, you may have to pay $200 before the insurance company will pay the other $800. Usually the lower the deductible, the higher the premiums will be. After the deductible is met the insurance provider pays a percentage of the remaining balance.Typically there are fixed indemnity benefits, specified amounts that are paid for particular procedures. If your policy pays $500 for a tonsilectomy and the actual cost was $1000, you owe the health care provider $500. There are often exclusions, certain services that are not covered by the policy. Common examples include elective surgery, dental care, vision care, and coverage for preexisting illnesses and injuries. Some insurance plans provide options for adding dental and vision care. Other common options include life insurance, which pays a death benefit, and disability insurance, which pays for income lost because of the inability to work as a result of an illness or injury. The more options added to the insurance plan, the more expensive the insurance will be.One strategy insurance companies are using to lower insurance premiums and out-of-pocket costs to the consumer is the formation of preferred providers organization (PPO). A PPO is a group of private practitioners who sell their services at reduced rates to insurance companies. When a patient chooses a provider that is in that company’s PPO, the insurance company pays a higher percentage of the fee. When a non-PPO provider is used, a much lower portion of the fee is paid.A major advantage of a fee-for-service plan is that the patient has options in selecting health-care providers. Several disadvantages are that patients may not routinely receive comprehensive, preventive health care; health-care costs to the patient may be high if unexpected illnesses or injuries occur; and it may place heavy demands on time in keeping track of medical records, invoices, and insurance reimbursement forms.Prepaid Group InsuranceIn prepaid group insurance, health care is provided by a group of physicians organized into a health maintenance organization (HMO). HMOs are managed health-care plans that provide a full range of medical services for a prepaid amount of money. For a fixed monthly fee, usually paid through pay roll deductions by an employer, and often a small deductible, enrollees receive care from physicians, specialists, allied health professionals, and educators who are hired or contractually retained by the HMO. HMOs provide an advantage in that they provide comprehensive care including preventive care at a lower cost than private insurance over a long period of coverage. One drawback is that patients are limited in their choice of providers to those who belong to an HMO.Government InsuranceIn a government insurance plan the government at the federal, state, or local level pays for the health-care costs of elgible participants. Two prominent examples of this plan are Medicare and Medicaid. Medicare is financed by social security taxes and is designed to provide health care for individuals 65 years of age and older, the blind, the severely disabled, and those requiring certain treatments such as kidney dialysis. Medicaid is subsidized by federal and state taxes. It provides limited health care, generally for individuals who are eligible for benefits and assistance from two programs: Aid to Families with Dependent Children and Supplementary Security Income.

Health Care Reform Wayback – A Brief History of Health Care Reform in the USA

Is Health Care Reform New? As somebody who is very interested in the progress of health care reform as a taxpayer, private consumer of health insurance and services, and as a professional, I have been trying to follow the current health reform debates. I am getting a little frustrated with the lack of progress on either side of the aisle, and also by some of the knee jerk reactions by politicians and their groupies.. You would think that the current administration, and its political adversaries, had just invented health reform or the cries of outrage that sound against it.I decided to do my best to outline some of the highlights of the health reform attempts, failures, and progress in the past 100 years or so. I am not a professional historian, by any means, so some may feel as if I left out important things or took them out of context. I am trying to be balanced, but take all the blame if I neglected something you feel is important.Teddy Roosevelt In the 1910′sTeddy Roosevelt ran on a very progressive platform in the early part of the last century. His campaign promises for 1912 included protection for workers safety on the job women’s right to vote, and a national health care program. He was president of the United States, by the way, from 1901 – 1909. But he lost the election of 1912 to Woodrow Wilson. It is interesting to note that this Roosevelt was a Republic. Wilson was the Democrat. Never assume that American party politics are set in stone.Early Models of Current Health Insurance and Cries of SocialismIn 1929, Baylor Hospital in Dallas, Texas came up with a pre-paid program for a large areal teacher’s union. This is considered one of the earliest models of health insurance. Now here’s the irony. A few years later, an Oklahoma doctor formed a farmer’s association with a pre-paid plan. Members of the association would pay into the plan, and then get services covered. The American Medical Association called this doctor’s plan socialism!Despite this, pre-paid hospital and doctor plans continued to grow in popularity around the US. However, they usually left out the unemployed and elderly.The New Deal in the 1930′s Another Roosevelt, FDR, also wanted to implement national health reform. He wanted to include it as part of social security legislation. That did not work out, but even Truman wanted to set up a national fund. for health care. He figured everybody could pay in, like we do for social security, and then it could make sure that people’s most severe health needs were met. All of this was left out of the New Deal, and the AMA continued to criticize it as socialism.Post World War II By the end of the second world war, it became a lot more obvious that there was a big gap between health care costs and what mos people could afford. Congress did pass a bill to build a lot more hospitals. They also required hospitals to provide charity care. They had a clause to forbid discrimination on race, religion, etc. But they did allow separate but equal care, which did not always turn out to provide equal care to everybody.In the 1950′s, labor unions began adding health benefits to their collective bargaining agreements. This really formed the basis for the group health insurance many people enjoy at work today. So group health plans became more popular, and in 1954, Congress voted to make this benefits tax-exempt.The 1960′s JFK fought hard for national health care, but again he was met with cries of socialism. But Medicare and Medicaid, regarded as American institutions now, did emerge despite this. Medicare is the US national health plan for seniors and disabled people. Medicaid is the national health plan for very poor people.Despite the fact that millions of Americans had heath insurance coverage for the first time, in the 1960′s, health care spending and costs were beginning to rise.The 1970′s – Nixon and Carter President Nixon, a Republican, worked for health reform. He proposed a bill that would require employers to provide minimum health insurance coverage. Under his administration, money was allocated for the development of HMOs and managed care to contain costs.Carter ran for president, and national health care was a large part of his campaign platform. Even though he won, the severe recession put these plans on hold.The 1980′s and COBRACOBRA is the national law that requires some employers to extend group health benefits to terminated employees for several months.The 1990′s and The ClintonsProbably the most famous previous attempt to dramatically reform health care was under President Clinton. Hillary Clinton, then first lady, spear headed this work. You will probably not be surprised to learn that political critics of the pan delighted in calling it socialism. Experts contend that the plan failed because of partisan politics on both sides. The drug and insurance companies, and the American Medical Association (AMA) also spent a lot of time and money getting the Health Security Act defeated.CHIPS – I cannot leave the 1990′s without mentioning CHIPS. This is the state and federal children’s health insurance program which covers millions of children from lower and moderate income families.21st Century Health ReformI have to credit George Bush, a Republican, with passing the Medicare Prescription plan in 2003. This is also known as Medicare Part D, and it helps fund prescription insurance for Medicare beneficiaries.Obama ran on a platform that included health reform. It seems like it is as tough to pass now as it was during the time of Teddy Roosevelt, FDR, Truman, and Bill Clinton. Politicians are still making deals behind closed doors, and of course, people are still shouting socialism.But some things have changed. The AMA now supports health reform. Many businesses are concerned about spiking costs of covering employees, and representatives have admitted they would like to see some reform that would help them. Even insurance companies have said they will cooperate.Hopefully, we can see some progress. I have no idea what will (or should) happen next.

How a Home Tutor Is More Helpful Compare to Group Tuition?

In today’s competitive world, it is essential to approach for the informative and quality education based on a syllabus. In modern system, the study methodology has changed a lot comparatively to that traditional method of literate in olden days. Books are many, jotted with in numerous success stories, plenty moral based teachings and excessive informative technological progress, but now what we need more? Is those penned instructions of various categories are complete enough to acknowledge one with good knowledge? I think it’s not enough. Our children’s brain is too small to load it with the heavy collective information and knowledge, here; they need an instructor, a guide, a translator as a teacher to feed them.

Schools are providing platform for the students to grasp the knowledge in a limited time of eight periods of 45 minutes each. Though, the style of modern teaching has changed a lot, and it has added the way to gain the knowledge through practical, projects and related activities, but still the theoretical part is too lengthy. The educational institutes concentrate on adding the qualified and experienced faculty to equip the kids with all required content within the timeline. They focus on not hitting the students with extra homework. Though, they put their best effort to complete the required education in school hours, but still often they are left with some work. And, now why this happens? It is the point to be focused.

All, the human being is not framed in the same structure. Person to person, many qualities differs and so the capturing power too. Every student don’t possess the equal capacity to observe, same degree of interest, and the likings for the subjects differs with each. So, these all sum up to bring the differences in scores marked in each student’s report. Till 10th grades the students can’t opt for their interesting subjects only, it is an effort to level the each subject’s percentage. To aim in achieving the levelled percentage, extra tuitions create space. Well, these tuition classes can be in group or one-to -one.

Group tuitions dictate the contents to at least 8-10 students at time. It allows the discussion on the particular subject in one time. Whereas, the private tuition is meant to pay attention to individual and divide the teaching hours calculating the student’s most need. There is option in private tuition to overlook any subject in which the student may have good base. But, the group tuition again displays the school scenario. They only differ by number of students and the teacher. The education criteria are tough nowadays, and so the competition level is too high. To hit the target with maximum percentage, tuitions are targeted greatly.

If, extra studies are compulsory and needed then the way to proceed for it should be effective and meaningful. Let’s study the details of home tutor which includes the discussions on who they are, what’s their need, is there any replacement for it, what is their service importance, how approaching to them can affect the secured percentage, and if they are completely favourable.
HOME TUTOR is a person who moves in a student’s home personally to provide him/her the service in educating the desirable candidate. It’s mainly focused on one-to-one tutoring. Specifically, these people are teachers or professors from the educational streams but often it is noticed that this role can be played by highly literate from any other stream too.

How home tutor plays its significant role in educating a child?
Home tutor is an extra facility provided to a child for better academic results. They constantly focus on those particular factors which results in degrade of a child’s result. They work out to teach a child in both theoretical and practical ways till the candidate are clear of the concept. There is no timeline to discuss for any topic. The main center of attention is to clear the basic concepts. This is extremely possible with the home tutor only. On, personal request it may be possible to exceed the teaching hours especially during the exams. Here, there seems a good bonding possibility between the tutor, and a child due to one-to-one regular attention which greatly benefit a child to end any kind of fear and open up freely.

Point to be noted, here, that out of various reasons for a child not to achieve the progress report as expected, one reason may be a child is having any personal issues which he/she is not disclosing it to their parents. It is recorded that this home tutor is a great observer and hence, effectively involves its luring presentation in solving out those personal issues affecting a child by distracting his/her concentration in studies.

If other than home tutor can perform a teacher’s role?
Mostly, teachers, or the professors are preferred as home tutors, but now these roles are seen to be played by many highly graduated candidates. As a part- time job, need an experience, or the employment need, any of these reasons may fetch the graduated candidates to provide the home tutor service.

What’s the importance of home tutor?
The home tutor can lengthen its importance as per their view and services. It is here to be noted the basics reasons that a candidate is availing the services as home tutor. This is literally important because as per the various reasons the candidates focus it to concentrate on teaching a child. Likewise, if they tend to accept this home tutoring job just a part time to secure few bucks in their pocket, if it’s their financial need, or they love teaching, all these reasons differently affects the way of providing the home tutoring job. A person passionate to teaching is the best choice to appoint as home tutor.

How the home tutor’s coaching difference in percentages?
Educational institutes feed the children with every study details through prepared notes and practical. Still, there left a room for many students for the need of extra guidance. Many times, the notes provided are not completely understood. Students feel the need for extra explanation. Here, these home tutors supply them the additional notes on the same topic in further easier jotted words and add up “their” guidance to clear every fume of doubt. This way of approach undoubtedly enhances the possibility to raise the percentage.
If the home tutors are favourable?
There is difference in fees of group tuitions and a home tutor. The group tuition charge is much cheaper compare to the home tutor’s fees. Considering the financial point, yes the group tuition is affordable and in addition it also avails the benefit for the group discussion which often opens up the many new ideas which may not be every time possible in one-to-one coaching. The benefits of home tutor are already discussed above. Addition to those points it saves time from the casual gossips, to and fro movement for attending the classes, physical harassment, and botheration of preparing for both the school and classes tests. The home tutor also give tests but still while teaching only he/she can guess the performance level of a candidate. The time saved in a candidate’s account by staying home and study relaxes it physically and allows mental rest. A short span can be used for entertainment which is rarely available while attending the group classes. Examine these comforts which are necessary at every age for everyone and these in turn can’t be bought by spending money, it can be said home tutor is worth.
Conclusion
The main aspiration of tuitions is to provide the extra platform for thickening the educational knowledge that is attained in the educational institutions by a student.