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Shine United Announces Promotions Within Creative and Account Service Departments

October 3, 2014, 12:03 am
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Scott Welter has been promoted to senior designer, Megan Ciurzak to senior account planner and Emily Kothe to account supervisor

Madison, Wisconsin (PRWEB) October 03, 2014

Shine United is pleased to announce the promotions of three exemplary employees, Scott Welter to senior designer, Megan Ciurzak to senior account planner and Emily Kothe to account supervisor. Founded in 2001, Shine United is a 40-person full-service advertising agency based in Madison. Shine’s portfolio of client work includes Harley-Davidson, UW Health, Wisconsin Cheese, Winston Fly Rods and Sitka hunting gear.

Within Shine’s creative department, Scott Welter has made a habit of delivering not only fresh thinking in the world of design, but also a roll-up-your-sleeves work ethic. While at Shine, Scott has worked on several key accounts, including Wisconsin Cheese, Overture Center and Rodney.com, a website built for the late Rodney Dangerfield. “Scott creates insightful designs that are on strategy and positively impact our clients’ bottom line,” says John Krull, VP creative director and partner at Shine United. As a senior designer, Welter will continue to be called on for his superior skill set and creativity with current and new accounts, including Kohler, Barriques and entwine wines.

In Account Services, Megan Ciurzak has played an integral role as media buyer/planner, account planner and now as a senior account planner. Since joining Shine in 2011, Ciurczak has used her acute attention to detail to lead consulting and planning engagements for clients such as GORE-TEX(R) Fabrics, Nordic Consulting and entwine Wine. “Megan leaves no stone unturned in pursuit of marketing and brand insights for our clients – resulting in thoughtful plans that lead to big wins for our clients,” said Curt Hanke, CEO and founder.

Also within the ranks of Account Services, Emily Kothe has been promoted to the position of account supervisor. Her second promotion in as many years, Emily is a proven commodity when it comes to helping her clients generate results and drive their brands forward. Emily has taken the lead on several of Shine’s cornerstone clients, including UW Health, Unity Health Insurance and Overture Center. “Since joining Shine in 2010, Emily has consistently been making things happen, both on a project level and on a brand level, for our clients. That skill set can only lead to greater things as she steps into the account supervisor role,” said Jim Jelak, account director at Shine.

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About Shine United
Shine United is a $40 million advertising, design and interactive agency located in Madison, Wisconsin. The privately held company’s client experience includes national consumer brands such as Harley-Davidson, Wisconsin Cheese, Winston Fly Rods, and Mizuno Running and Golf. Shine is creatively driven, results focused and dedicated to building passion between people and brands. Learn more at shineunited.com. Shine on. Reported by PRWeb 2 hours ago.
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Strategies: Self-employed give thumbs up to Obamacare

October 3, 2014, 5:54 am
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Many say they've been able to get health insurance, grow their companies because of the Affordable Care Act.

 
 
 
 
 
 
  Reported by USATODAY.com 22 hours ago.
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Scott Monge Reveals No Fee Property Damage Guarantee for Auto Accident Clients

October 3, 2014, 5:07 am
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Monge & Associates introduce new guarantee to help accident victims with damaged and wrecked cars.

Atlanta, GA (PRWEB) October 03, 2014

Scott Monge, founder of Monge & Associates, announces a new, innovative model to further support and aid the accident victims whom he and his team of attorneys represent. The new “No Fee Property Damage Guarantee” is a promise for Monge & Associates clients: if a Monge & Associates attorney handles a client's car accident personal injury case, the firm will not charge legal fees for helping with their property damage claim.

“We empathize with, and want to thank, our clients for trusting us with their cases. We understand that these victims face an astounding number of unexpected financial burdens, including health insurance, car insurance, and medical bills. We do not only feel compelled, but also that it is our responsibility, as a personal injury law firm, to help alleviate part of the strain on their finances while they go through such a traumatic experience,” stated Monge.

For years, Monge and his attorneys have worked hard to support accident victims, and this is evident to his clients. Scott Monge and his firm’s efforts have been recognized with a perfect 10 rating in attorney ranking site Avvo.com. By waiving the costs associated with property damage claim legal fees, victims are enabled to pay their medical bills and car repair costs more easily.

“At Monge & Associates, we are always looking for ways to give back to the community; our clients are no exception. Our new No Fee Property Damage Guarantee allows us to do just that: we are able to give back to those who trust in us, by helping to minimize the financial burden of the accident that they fell victim to,” Monge continued.

One example of Scott Monge’s dedication to justice is found on his website’s library, where all accident victims can access legal advice. This information is open to the public, regardless of the reader’s intention to use the firm’s legal services. This displays Monge’s high standards, which have made him a trusted name in Atlanta and in the surrounding cities.

Scott Monge and his team of attorneys have several years of experience in handling the legal and medical aspects of car accidents, including distracted driving, negligent driving, and the like; he has specialized in personal injury and disability cases for several years. He has authored several books, including Winning Results You Never Dreamed Possible in Drunk Driving Crashes, showcasing his expertise on the subject. Monge & Associates is based in Atlanta, Georgia and specializes in accident and disability lawsuits.

Mr. Monge received his undergraduate degree from Eastern Illinois University and his Juris Doctor from Southern Illinois University School of Law.

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For more information about Monge & Associates’ client guarantees, including the No Fee Property Damage Guarantee, or to schedule an interview with Scott Monge, email smonge(at)mongeassociates(dot)com. Reported by PRWeb 22 hours ago.
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How Being Gay 'Decimated' This Man's Life Savings

October 3, 2014, 7:00 am
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"Paul," a retail product developer whose story is included in a new report on the "financial penalty for being LGBT in America," says that being gay "decimated" his life savings.

In February 2012, Paul, who is 59 years old and asked that his real name be withheld out of fear that using it would further damage his career, got an attractive and lucrative offer from an outdoor sporting-goods company for a job in product development and sourcing, a field he has been in for about 30 years. Paul is an avid hiker and kayaker, and the move would allow him to focus on a part of the retail industry that he enjoyed and excelled at.

There was just one hitch. The job meant that he, his husband Peter and their teenage son James, who also asked that their real names be withheld, would have to leave Massachusetts and move to a small town in Nebraska, a state that does not recognize same-sex marriage and has no laws that restrict employers from firing an employee just because he is gay.

Paul did not hide his sexual orientation in the interviewing process. "The first thing they said was, they wanted to meet my wife because we'd be living in a very small community," Paul recalled. "I said, 'Well, I don't think that living in a small community is a problem. In fact, our family would like to live in a small community. And by the way, I don't have a wife, I have a husband.'"

The recruiter was not troubled by this revelation, Paul said. He told Paul that "we are a very affirming company."

Paul, Peter and James visited the town and all three liked it. They bought a house in the country on 32 acres of land, where they grew a large garden and raised chickens. "We thought it was going to be a beautiful life," Paul said.

The problems began soon after they moved in. First, the company denied health insurance to Peter after initially promising to take care of him. Then there were the homophobic jokes in meetings -- and the company's indifference to Paul's complaints. Someone began sending Paul anonymous emails at his company address, daring him to step out into the parking lot. Finally, the company decided to do something about it. His boss called Paul into his office and fired him.

"Within 10 days, people started to contact me from within the company, telling me that I was let go because of being gay, and that once they knew that I had come out in the building, it was all over for me," Paul said. "We haven't recovered."

Paul's story is not unique. According to the report -- released this week by the Movement Advancement Project, a Denver think tank with a focus on LGBT issues -- LGBT families in states without supportive laws face greater financial hardships and have less money than comparable families in more supportive states.

As the report acknowledges, gays everywhere earn less than their straight counterparts, but the gap is far greater in states like Nebraska than in places like Massachusetts. Specifically, the report found that in states where same-sex marriage is banned, same-sex couples with children have $8,912 less in household income than married opposite-sex couples. In states that allow same-sex marriage, that difference in household income is only $689.

The report outlines three major ways that LGBT people can suffer financial blows in states that don't support gay rights. Without marriage equality, couples often pay more for health insurance, taxes and legal assistance, and yet they may still find themselves without adequate protection should a crisis occur. Without protection from discrimination on the job, or when seeking housing or medical help, LGBT people can struggle to find work, and may earn less money and have higher housing and medical costs than their non-LGBT peers. And in the absence of anti-bullying laws or a broad culture of support, LGBT students may struggle in school and fail to achieve their full potential in the workplace.

Paul and his family say they had trouble on all three fronts. Before they moved to the Midwest, they spent about $1,400 ensuring that their legal papers, which they kept in a safe in the living room, were in order. But that turned out to be a minor expense compared to what the family would incur in Nebraska. All told, they estimate they lost about $124,000, or about 70 percent of their liquid savings, on their investment in the move. They had to sell their farmhouse quickly, at a steep loss. They had abandoned Peter's antique and art shop in town. After months of searching for a new job and living off his life savings, Paul finally found work again -- but he had to accept a 50 percent pay cut.

In some ways, the social losses were even tougher to bear. The church rejected the family's attempts to join. Colleagues at the sporting goods company made snide jokes about what gays did on camping trips. Paul mentioned an incident where one of his son's football teammates announced in front of the other players that James had two dads. Paul recalled what his son said then: "Yeah, I have two dads, that's common in Massachusetts.""Well, it's not common here," the teammate replied.

One day, after losing his job, Paul heard from the company's lawyer, who asked him the same question that his boss had already raised. "'What did you think was going to happen in this community?'" Paul recalls the lawyer saying. "'We're a Republican town, we're a conservative town and we're a Christian town.'"

"I told them I will never forgive them for this," said Paul.

Unable to sell their house, Paul moved on to Pennsylvania while his husband and son stayed behind. Nine months later, they were finally able to sell the house and Peter's business, and today the family is living together in Pennsylvania, where same-sex marriage was legalized this May.

Paul is working at another retail company now, and his husband is settling their new house and beginning to apply to jobs. Although they haven't recovered from their losses, Paul said, "we are determined to figure out a way to save our way back." Reported by Huffington Post 20 hours ago.
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China City of America Explains Future Program Offerings and the Benefits of International Students to the U.S. Economy

October 3, 2014, 8:55 am
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Chinese immigrants coming to the U.S. for school inject several billion dollars into the U.S. economy. China City of America lays out their program offerings and explains how they will help students achieve their bachelor's degree in the United States.

Town of Thompson, NY (PRWEB) October 03, 2014

Recently, the Hurun Research Institute released their 2014 Paper on Chinese Investment Immigration. The report shows that, in China, the United States is the most popular nation that wealthy immigrants apply to enter. The education system, the environment and the quality and safety of food are three of the main factors for the U.S. being chosen over other nations. Furthermore, as a traditional immigration nation, founded by immigrants, the U.S. has many Chinese communities, and social attitudes towards immigrants are generally friendly due to the country’s diversity. In addition to these social and educational benefits of moving to the United States, the U.S. government has a very attractive immigration policy which is mature and stable.

Aside from Chinese immigrants benefiting from the strong educational system of the United States, they also help to stimulate the U.S. economy. According to the Institute of International Education and the U.S. Department of Commerce, international students contribute $24.7 billion to the U.S. economy annually. Of this spending, 64% comes directly from their personal and family funds as many universities don’t offer financial aid for foreign students. This percentage is even higher at 80% for undergraduate students. This economic influx comes from tuition, room and board, text books/supplies, transportation, health insurance, and other miscellaneous living expenses. According to University World News, Chinese students make up 29% of international students bringing in an estimated $7.16 billion to the U.S. economy.

China City of America’s initial phase is an education center. The goal of the education center is to fuse Eastern and Western education systems, diversifying education development in the future. To this end, the center will employ excellent faculties from the United States, and enroll students from both China and the U.S. This will allow American and Chinese students to get a unique learning experience through this program, getting prepared first and then fully immersing into the international atmosphere. There will also be student activities in various arts, sports and technologies to ensure that there is a platform to assist in the integration of Chinese and Western cultures for international students.

The plan is to build a smart community at the education center, utilizing cutting-edge technology to enhance both learning and the everyday life experiences on campus. This goal will be realized with the cooperation from universities in both the United States and China to form a new Chinese and Western cultural and educational exchange platform.

Phase 1 of the project is located in the Town of Thompson. The chairman, Sherry Li, said that together with their U.S. education partner, the education center has planned project activities which includes the mainstream "2 + 2" program, the "1 + 1 + 2” program, as well as a high school degree equivalence program, short-term training and EMBA presidential classes.

The "2 + 2" program is also called the "dual campus project of international cooperation." This program will provide a phased, adaptive chance to go abroad to pursue a college education for high school graduates. This will be accomplished through the modules of cooperative education, joint support, and mutual recognition of credits among both Chinese and American universities taking part in the program. Students will begin by taking English courses along with specialized courses in China for two years. Once this is complete, they will then study at the education center in the United States and get a bachelor's degree at one of the U.S. universities partnered with the education center. After graduation, graduates can choose to return home or to stay abroad and continue their pursuit of a master's degree in a graduate program.

For high school graduates, the "2 + 2" program will ensure that students have enough buffering and transition time during the two years in China to cultivate independent learning and life skills. This will allow students to get ready in the English language and mentally prepare to study abroad. The "1 + 1 + 2” program is similar, but will have students study in China for the first year followed by one year at the education center in the United States. Then they will spend the last two years at the college campus in the U.S. where their bachelor’s degree would be attained. This program was created for students that want to study at the education center, but want to focus on a major not offered there.

There will also be a program that would provide students with an equivalent to a High School degree. This is basically a prep school to prepare students to study for a bachelor’s degree and improve their English speaking skills. After this program is completed, the “2 + 2” or “1 + 1 + 2” program would be a viable option to achieve one’s bachelor degree at a U.S university. The short-term training classes would include vocational schools, teaching students a trade and allowing them to earn a certificate for that particular skill. The EMBA will work with reputable Chinese and U.S. Universities to enroll students in an Executive MBA program to further advance their career.

With the number of Chinese immigrants that wish to study in the U.S., the education center has a unique opportunity to create an educational atmosphere that fosters education, while bringing cutting-edge infrastructure to fruition. This infrastructure alongside the programs that will be put in place will prepare the students for life after college and will help them to learn and graduate with a degree in their field of choice.

1. Hurun Research Institute, http://www.hurun.net/en/ArticleShow.aspx?nid=1502, June 6, 2014
2. Institute of International Education, http://iie.org/en/Research-and-Publications/Open-Doors/Data/Economic-Impact-of-International-Students Reported by PRWeb 18 hours ago.
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Open Enrollment at Work: 3 Must-Knows About Health Benefits

October 3, 2014, 9:44 am
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Open Enrollment at Work: 3 Must-Knows About Health Benefits Filed under: Health Care, Health Insurance

*Monkey Business Images/Shutterstock*

More than 43 percent of Americans get health insurance through a current or former employer. For most of them, the open enrollment period -- the one time each year that they can change insurance coverage for the following year -- is approaching. Here are three things to keep in mind.

*1. Your Employer Probably Changed Your Choices*

According to the National Business Group on Health, employers expect a 6.5 percent increase in health care benefit costs in 2015, and to reduce those cost increases, they're looking at ideas like consumer-driven health plans to help give workers more incentive to control their own health care costs. In addition, private health-insurance exchanges are becoming more popular, and some companies are changing pharmacy benefits and other specialty areas.

Most employers offer extensive education when they make big plan changes, understanding that most people will be reluctant to change the coverage they already have. By taking advantage of that education, you can not only learn more about the reasoning behind any changes but also better understand whether you can reap some financial benefits from using the new plan options. At the same time, you can also make sure that benefits you were counting on for the future aren't going away -- and if they are, you still have a couple of months in 2014 to try to take advantage of existing provisions in this year's coverage.

*2. Think Seriously About the Nature of Your Health Care Needs*

Typically, you can choose different levels of coverage. One choice might offer extensive coverage of nearly every conceivable health care expense -- with high-ticket monthly premiums. Another might save you on upfront premiums but require larger copays, higher deductibles and more out-of-pocket costs.

Obviously, you can't always anticipate a major health care expense a year in advance, but looking at your past health experience can help guide you. Healthy individuals often do better choosing low-cost plans that require them to pay more of their costs if problems do crop up. Those who expect greater use of medical services often end up doing better with more comprehensive plans, but again, it's worth it to take a look at your policy for the direct answers.

*3. Sometimes, You Can Make Changes at Other Times*

The open enrollment period is so important because most of the time you can't change coverage in the middle of a year. But there are some exceptions during "special open enrollment periods."

Most of the qualifying events involve changes in family status, with marriage, divorce, domestic partnership or the birth of a child being the most common instances in which you'll have an opportunity or obligation to change coverage. In addition, if you have coverage through multiple employers, a change in coverage under one employer might trigger the ability to make changes with others. Similarly, becoming eligible for other benefits such as Medicare and Medicaid allows changes outside the usual open enrollment period.

You can follow Motley Fool contributor Dan Caplinger on Twitter @DanCaplinger or on Google+. To read about our favorite high-yielding dividend stocks for any investor, check out our free report.

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 18 hours ago.
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Children’s Specialized Hospital Offers Unique Online Resource to Help Parents Choose Insurance

October 3, 2014, 10:13 am
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Children’s Specialized Hospital is the first children’s rehabilitation hospital in the country to create a digital resource to help parents of children with special needs choose the best possible health insurance product for their family.

(PRWEB) October 03, 2014

Children’s Specialized Hospital is the first children’s rehabilitation hospital in the country to create a tool to help parents of children with special needs choose the best possible health insurance product for their family.

As the nation’s largest provider of pediatric specialty care services and pioneer in the treatment of children with complex medical needs, providing families with the resources necessary to make informed decisions when choosing an insurance plan is the logical next step to providing the highest quality of family centered care. This innovative website (http://www.childrens-specialized.org/insurance-education) educates parents and arms them with the tools they need to navigate insurance exchanges and select the best insurance product for their family.

“We recognize this is likely a nerve-wracking and complex process for parents – especially parents of children with special health care needs,” said Amy B. Mansue, president and CEO, Children’s Specialized Hospital. “When parents know what to look for, they can select an insurance plan that will help them maximize their child’s access to care so he or she can reach their fullest potential.”

With the emergence of health insurance exchanges (both public and private), there is an unprecedented amount of responsibility on parents to navigate the ins and outs of 10, 20, 30+ different types of insurance plans.

Senator Joseph Vitale, chairman of the New Jersey Senate Health Committee commended Children’s Specialized Hospital for partnering with families to create this important tool.

“Everyone needs to understand what is and isn’t covered by their health insurance,” said Senator Vitale. “It was incredibly insightful for Children’s Specialized Hospital to work directly with the families it serves. This resource was built with expert knowledge from key thought leaders, heath care providers as well as parents that have had learned hard lessons about choosing the right health insurance for their family’s unique medical needs.”

Parents, particularly parents of children with long-term health needs, need to make sure they’re asking the right questions about a health plan’s coverage when selecting an insurance product. This resource provides parents with the right questions to ask and an easy-to-use tool to capture information about the unique medical needs of their entire family.

“The new insurance education website created by Children’s Specialized is an invaluable, one-of-a-kind resource for families of children with special needs and the advocates who serve them,” said Diana Autin, executive co-director for health and family support, Statewide Parent Advocacy Network (SPAN). “Our staff is excited to use this new resource as they help families navigate the complicated and confusing maze of health coverage in New Jersey.”

Providing parents with a glossary of terms commonly used in the health insurance industry, along with explanations of those terms in easy-to-understand language will also help them become more informed healthcare consumers.

Visit http://www.childrens-specialized.org/insurance-education.

Children’s Specialized Hospital, the largest pediatric rehabilitation hospital in the country, treats children affected by brain injury, spinal cord injury, premature birth, autism, developmental delays, and life-changing illnesses at twelve sites throughout New Jersey. Services include outpatient therapies, physician specialty services, acute rehabilitation, medical day care and long-term care through its sites in Bayonne, Clifton, Egg Harbor Township, Mountainside, Toms River, Fanwood, Hamilton, New Brunswick, Newark and Roselle Park as well as outreach programs in many communities. Children's Specialized Hospital is an affiliate member of the Robert Wood Johnson Health System and a proud member of the Children's Miracle Network Hospitals. Children’s Specialized Hospital Foundation supports the programs and services of the hospital. The Foundation is ranked among the top six pediatric hospital foundations in the country. To help, or find more information: call 888-CHILDRENS; visit http://www.childrens-specialized.org; Facebook: http://www.facebook.com/childrensspecialized; Twitter: @childrensspecnj; YouTube: http://www.youtube.com/cshnj; LinkedIn: http://www.linkedin.com/company/children's-specialized-hospital Reported by PRWeb 17 hours ago.
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Report: 'Dramatic Shortage' of Skilled Medical Coders

October 3, 2014, 12:11 pm
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Report: 'Dramatic Shortage' of Skilled Medical Coders As President Barack Obama seeks to give temporary amnesty and work permits to perhaps five million illegal immigrants, the majority of whom are low-skilled workers, there is a shortage of skilled workers in the medical coding field. 

Torrey Barnhouse, president of TrustHCS, told CNBC that "there is a dramatic shortage of skilled workers" in the specific medical coding market, which is critical for health insurance payments. 

The information technology and the high-tech sectors, in general, though, have a surplus of American skilled workers, according to Census figures and numerous studies from organizations on the left, right, and center. 

But in the medical coding industry, the shortage of skilled workers is reportedly "being driven primarily by the coming adoption of a new federally mandated coding standard." 

Barnhouse "said there is a constant 20 to 30 percent shortage of medical coders, a deficit seen growing to 50 percent in the coming year." This is due to the adoption of the new coding standard that "is expected to decrease a coder's productivity by 50 percent" because it requires more details. 

TrustHCS reportedly "plans to double its medical coding workforce over the next 12 to 18 months" and hire an addition 300 coders.

According to CNBC, "becoming an accredited coder requires anywhere from 700 to 1,000 hours of coursework in fields of study including physiology, anatomy and pharmacology." Hospitals usually want "people with accreditation and experience," and that is why "in some areas, there is a bidding war going on for coders." Reported by Breitbart 15 hours ago.
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President Obama talks jobs, economy in Princeton, Indiana

October 3, 2014, 2:17 pm
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Obama took several questions from audience members about the minimum wage, improving the country's crumbling infrastructure and health insurance. Reported by WTHR 13 hours ago.
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Same-Sex Marriages From Other States Must Be Recognized In Missouri, Judge Rules

October 3, 2014, 2:36 pm
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KANSAS CITY, Mo. (AP) — Missouri must recognize the marriages of same-sex couples legally performed in other states, a state judge ruled Friday, saying the state's constitution and laws banning the unions are unconstitutional.

The order by Jackson County Circuit Judge J. Dale Youngs means that such couples will be eligible to sign up for a wide range of tax, health insurance, veterans and other benefits now afforded to opposite-sex couples. Missouri Attorney General Chris Koster, who has defended the state's ban on gay marriage, said it was reviewing the ruling. Youngs ruling comes in a lawsuit filed by 10 same-sex couples who were married in states where gay marriage is legal. They couple argue that their rights to equal protection and due process are being violated by Missouri's ban on gay marriage.

Young agreed, saying the couples deserve the same recognition as opposite-sex couples who were married in other states. He said the laws serve no legitimate government interest.

The case is among at least three challenging Missouri's ban on same-sex marriage. The others include a federal challenge in Kansas City and a St. Louis case in which city officials granted marriage licenses to four same-sex couples to trigger a legal test of the ban.

The lawsuits are based on the same arguments that led the U.S. Supreme Court last year to overturn part of the federal Defense of Marriage Act that denied a tax, health and other benefits to legally married gay couples.

Same-sex marriage is now legal in 19 states and the District of Columbia. The American Civil Liberties Union says it has marriage cases pending against 13 other states, of which five are before federal appeals courts. Reported by Huffington Post 13 hours ago.
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Fulfilling the US and India's Extraordinary Promise Through Public Health

October 3, 2014, 2:36 pm
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Indian Prime Minister Narendra Modi's first visit to the United States has ushered in a wave of newly found interest and enthusiasm in US-India engagement. There has been considerable interest by both private and public sectors alike regarding the outcomes and specific deliverables that will follow on the heels of the visit to fulfill what President Obama calls the "extraordinary promise of U.S.-India strategic partnership". Areas of bilateral engagement receiving the most airtime include the standard fanfare of defense, energy and infrastructure. An area that has received little attention, quite shortsightedly, is engagement on public health. There are a few key areas of low hanging fruit in which there are natural and obvious synergies for engagement in public health between the US and India.

*Knowledge Transfer*
What was perhaps most remarkable about India's most recent Mars Orbiter Mission (MOM) was not that it reached Mars, but that India was able to accomplish the task cheaper than Hollywood spent to produce the film "Gravity." India is the world leader in frugal innovation, inspired by the unique constraints of limited resources. In terms of public health, India has developed some of the world's most cost effective specialty health care services such as LifeSpring maternity hospitals which provide high quality care to expecting mothers at 1/6 the cost of comparable private clinics or Aravind Eye Hospital which performs 70% of the eye operations of Britain's NHS for just 1% of the cost and half the complication rate.

India also has a technologically sophisticated approach to distributing public health insurance (which is available to those in the bottom quartile of income distribution). The value of public health insurance, 30,000 Rs per household, is dispensed on fingerprint encoded biometric smart cards in a program called RSBY. As Kavita Patel from Brookings has noted, "The U.S. has struggled with any biometric-type approach to public health insurance and could learn a great deal from RSBY's deployment."

*Global Health Security*
Some have referred to virus pandemics as posing the single greatest threat to humanity. And given porous national borders and global interconnectivity, it is not a stretch to imagine the next pandemic affecting billions of people globally. President Obama has repeatedly pointed out the potentially profound global economic, political and security implications posed by viral outbreaks.

The Ebola epidemic in Western Africa should serve as a wake up call for the Centers for Disease Control (CDC) to help support and further bolster disease detection, isolation infrastructure and the training of in-country first responders in resource-poor settings around the world. When former US Health and Human Services Secretary Kathleen Sebelius visited India in January of 2012, she announced a collaborative launch between the CDC and India's National Center for Disease Control (NCDC) of a Global Disease Detection Center. The US should not only continue to support such efforts, but should further build and advance such collaborations.

*Public Private Partnerships*
Public health is a perfect area for USAID and the State Department to advance agendas on private sector engagement in development. As the majority of capital flows to the developing world have shifted in the past thirty years from Official Development Assistance to private flows such as Foreign Direct Investment, the private sector commands an indispensible role in the development process.

Sanitation is a particularly appropriate area for public-private cooperation. As recently as 2012 it would be political suicide for a leader to suggest that India needs more toilets than temples, as Rural Development Minister Jairam Ramesh had. Despite this legacy, Modi has tackled the issue head on by addressing sanitation in every major speech and also by vowing to end open defecation by providing a toilet in every household by 2019.

600 million people in India don't have access to a toilet, and open defecation promotes gastrointestinal disease, which is one reason half of all Indian children are malnourished. USAID should consider creating a Global Alliance for Sanitation to help coordinate public and private partners to help support India in the herculean task of providing sanitation to 600 million. A parallel example, which could serve as an operational framework, would be the Global Alliance for Clean Cookstoves to which the US has committed more than $50 million over 5 years.

There may also be an opportunity for USAID to support social entrepreneurs in sanitation through innovative financing. Here, John Sauer identifies the role of a social creditor or social investor willing to provide patient capital to facilitate a "sale-on-credit" of toilets to consumers. USAID's Development Credit Authority has experience using risk sharing to help mobilize private investment to fill financing gaps. Perhaps USAID could find ways to provide credit to fledgling social business in sanitation.These are a just a few areas of low hanging fruit where bilateral engagement on public health would pay dividends well beyond investment and would have widespread support. According to a 2013 survey by the Kaiser Family Foundation, nearly seven in ten Americans believe that spending on health in developing countries helps protect the health of Americans by preventing the spread of diseases, and over half believe that such spending is helpful for improving the image of the United States globally.

Now is a defining moment of leadership between both countries. Any strategic partnership must include engagements on public health in order to fulfill the extraordinary promise of the world´s two largest democracies. Reported by Huffington Post 13 hours ago.
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Don't Mess with CHIP: 17 Years of Success

October 3, 2014, 3:21 pm
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"If I could sit down for freedom, you can stand up for children."
-- Mrs. Rosa Parks, honorary co-chair, 1996 Stand for Children rallyOn June 1, 1996 the Children's Defense Fund (CDF) convened with over 3,000 co-sponsoring organizations, including the NAACP and many others in the civil rights community, the largest rally for children in our nation's history. Over 200,000 parents, grandparents, child advocates, religious leaders and others of every race, age, faith and discipline from all walks of life gathered together at the Lincoln Memorial to Stand for Children™. Mrs. Parks, honorary co-chair with Rosie O'Donnell, provided an iconic statement that still holds true today as Black children are sliding backwards and child poverty levels are indefensible in our wealthy nation. In 1997 she and Rosie O'Donnell co-chaired the follow-up local Stand for Healthy Children Day. Over 700 local events took place across the country supporting health coverage for all children including 30,000 people who gathered in New York City's Central Park.

CDF, a range of Black community leaders including the NAACP, and children's advocates have long recognized that health affects every aspect of a child's life -- the ability to grow, learn, play, and succeed -- and fought hard to expand access to comprehensive, affordable health coverage that is easy to get and to keep in order to help level the playing field for children and close the opportunity gap. In 1997, one in seven children in the United States lacked health coverage. The 1996 and 1997 rallies provided the grassroots push that helped lead to the bipartisan passage of the Children's Health Insurance Program (CHIP). Introduced and championed by Senators Ted Kennedy and Orrin Hatch in a Trent Lott-controlled Republican Senate, President Bill Clinton signed CHIP into law in August 1997.

For 17 years CHIP has been there, giving working families the security of knowing their children had access to quality, appropriate coverage they could afford. Since CHIP's creation the rate of uninsured children has been cut in half and is now at a record low, while improving health outcomes and access to care. The popular federal-state partnership is now a lifeline for more than eight million children in low and lower middle income working families. CHIP and Medicaid provide critical health coverage for more than one in three children in our country and in 2012 covered 54 percent of Black children. Even in the post Affordable Care Act (ACA) world CHIP remains a critical piece in the foundation of health coverage options for children. But despite this great progress and CHIP's success, it faces a very real threat right now: if Congress doesn't take action, there will be no new funding for CHIP after September 30, 2015 and millions of children and families will suffer the consequences.

Next September may seem like a long way off -- especially in this "crisis Congress" that's developed a reputation for acting in the 11th hour or not at all. But in this case we're talking about the possibility of children actually losing ground. States are already planning their budgets for the 2016 fiscal year and need to know if they can continue providing children coverage. That sort of decision can't wait until next year. So please join us in urging Congress to take action now in 2014 when they return to Washington for the lame duck legislative session. Ask Congress to extend funding now for CHIP for four more years. We must not allow children to lose ground.

If funding for CHIP isn't extended:· *Millions of children could become uninsured. *The Government Accountability Office (GAO) estimates that as many as two million children enrolled in CHIP could become uninsured if CHIP funding is not extended. Unfortunately, many children now covered by CHIP wouldn't be eligible for subsidies to purchase health coverage in the new health insurance marketplaces because of the Department of Treasury's interpretation of "affordability" of coverage, which would leave health coverage financially out of reach for many families. Congress and/or the Administration should act quickly to fix this problem which is sometimes known as the "family glitch."· *Millions more children will pay more but get less comprehensive coverage in the new health insurance marketplaces. *CHIP goes further than most commercial health plans to cover the range of services children need to reach important developmental milestones, especially pediatric hearing and vision, mental health, and habilitative services and devices. Because states have recognized cost can be a major barrier to accessing needed services, they have made CHIP very affordable for families. Several recent studies have compared health plans available in the marketplaces to CHIP coverage and clearly shown CHIP to be substantially more affordable, with significantly lower premiums and cost sharing, while offering more comprehensive child-appropriate benefits.
· *Children may not have access to the child health providers they need.* CHIP provider networks were specifically designed to provide access to child-appropriate providers, pediatric facilities, and specialists to ensure children receive medically and developmentally appropriate care. But current federal provider network requirements for health plans in the marketplaces don't ensure children the same access to the full spectrum of primary and specialty providers they need.
· *Without new CHIP funds, states will lose significant federal health care dollars.* Estimates suggest the states stand to lose between 9.6 and 10.1 billion in fiscal year 2016 alone if CHIP funding is not extended.
Congress must not play politics with the health of millions of our children. In an election year when it sometimes seems as if Congress is doing less legislating than ever, making sure children get access to the health coverage they need to survive and thrive should be something they--and we--can all agree on and get done now. Seventeen years later CHIP has helped put a generation of children on a path to healthy adulthood. Let's put CHIP on the same path. Reported by Huffington Post 12 hours ago.
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Calif. abortion mandate deemed a 'flagrant violation' of civil rights

October 3, 2014, 4:01 pm
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Los Angeles, Calif., Oct 3, 2014 / 04:30 pm (CNA/EWTN News).- The California government “directly targeted” two Catholic universities and violated federally guaranteed civil rights by ordering their health insurance plans to cover abortions, the California Catholic Conference has charged.

“This is a coercive and discriminatory action by the State of California,” Bishop Robert McElroy, an auxiliary bishop of San Francisco, said Oct. 1.

On Aug. 22, Michelle Rouillard, director of California's Department of Managed Health Care, announced that health plans restricting abortion coverage were illegal under state law.

Bishop McElroy, chairman of the state Catholic conference’s Institutional Concerns Committee, characterized the decision as a demand “directly targeted at Catholic institutions like Santa Clara University, Loyola Marymount University, along with other California employers and citizens.”

“It is a flagrant violation of their civil rights and deepest moral convictions, and is government coercion of the worst kind.”

The Catholic conference has filed a complaint with the U.S. Department of Health and Human Services’ Office of Civil Rights. That office is responsible for applying a federal law known as the Weldon Amendment, which bars states that accept federal funds from discriminating against institutions and health care entities that do not provide coverage of abortion or refer for abortions.

The Weldon Amendment means that the California state government’s actions could have repercussions for its treasury.

The California Catholic Conference’s complaint is the latest development in efforts to resist pro-abortion tendencies in the state.

In the autumn of 2013, both Loyola Marymount University and Santa Clara University announced that they planned to stop paying for employees’ elective abortions. They said their insurers, Anthem Blue Cross and Kaiser Permanente, had secured approval from state officials.

Groups such as Renew LMU, which aims for the renewal of Catholic identity at the university,  backed efforts to implement pro-life policies, as did some faculty and staff.

However, the policy changes drew strong opposition from pro-abortion politicians and advocacy groups, as well as faculty and staff at the historically Jesuit Catholic schools.

Although the California government’s effort to mandate abortion coverage in health insurance plans is being contested, Loyola Marymount University has now said it will comply with the ruling and cover elective abortions for faculty and staff under its insurance plan as of Aug. 22.

Rebecca Chandler, the university’s vice president for human resources, told faculty and staff in a Sept. 27 e-mail that the university’s insurance would cover all procedures deemed medically necessary, including elective abortions, the campus newspaper the Los Angeles Loyolan reports.

Loyola Marymount University confirmed to CNA Oct. 1 that the changes had been made to the university’s insurance plan, but declined to comment further.

David Luke, a university alumnus and member of Renew LMU, told CNA Oct. 1 that his organization “stands with the California Catholic Bishops” and supports their federal complaint against the state.

He encouraged Loyola Marymount University to join the federal complaint, or start or join a self-insurance plan not governed by the California Department of Managed Care.

“It is our hope that LMU will remain faithful to its Catholic identity,” he said, charging that university leaders have rejected Church teaching by deciding to pay for abortions.
  Reported by CNA 11 hours ago.
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Protect yourself from surprise out-of-network medical bills

October 3, 2014, 8:28 pm
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*Protect yourself from surprise out-of-network medical bills*

Getting medical care from a doctor, hospital, or lab outside of your plan's provider network can run up ruinous medical bills. But you can be blindsided by surprise out-of-network charges in emergency rooms or hospitals staffed with doctors who don't participate in the same plans the hospital accepts. Here are six ways to protect yourself.

1. *Understand your health insurance.* OK, it’s not a fun read, but take the time to familiarize yourself with your health plan's rules. If your plan is a Health Maintenance Organization (HMO) or a Exclusive Provider Organization (EPO), you will not have any coverage for out of network care except for emergencies when you are outside the plan’s service area or for hard-to-find treatments for rare conditions. You should also find out if you need advance approval for tests, elective procedures, or specialist visits—even when you plan to go to an in-network doctor. Your plan’s Summary of Benefits and Coverage will have this information.
2. *Stay in network if you can.* Network providers have agreed to accept the negotiated health plan price as payment in full. This is a big savings for you, compared to going out-of-network.  Even if you have a Preferred Provider Organization (PPO) or Point-of-Service (POS) plan that covers some out-of-network costs, there is no limit on the balance for which the doctor can bill you.
3. *Don’t rely solely on the health plan’s online provider directory* to find in-network hospitals, doctors and labs. These directories can contain errors or become out-of-date. Call your health plan to confirm.
4. *If you are having surgery, tell the surgeon and hospital you want to use only providers that accept your insurance. *It may not work, but it never hurts to try.
5. *If no network provider is available, complain.* Health plans are legally required to maintain “adequate” networks of providers. If yours has not done this, ask the company to let you use an out-of-network provider at the in-network rate. If you don’t get a satisfactory answer, complain to your state insurance department.
6. *If you get a surprise bill, fight back. *Ask the doctor to lower your bill and ask your insurance company to help you resolve the situation. If you have insurance through a large employer, ask your human resources department for help. If this doesn't work, complain to your state insurance department or Attorney General's office. Even if they can't help directly, your complaint will help them identify patterns of abusive billing practices. And finally, share your story with us here at Consumer Reports.

Good news for New Yorkers!

New York State residents will soon have the nation's strongest protections against surprise out-of-network bills, thanks to a new law that takes effect on April 1, 2015.

Instead of being left on their own to battle with bill collectors, consumers who get hit with surprise bills will hand them off to an independent arbitrator who will decide how much the insurer will have to pay the provider.

If you are interested in getting such a law passed in your state, here's more information.

*Consumer Reports has no relationship with any advertisers or sponsors on this website. Copyright © 2006-2014 Consumers Union of U.S.*

*Subscribe now!*
Subscribe to *ConsumerReports.org* for expert Ratings, buying advice and reliability on hundreds of products.
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Update your feed preferences Reported by Consumer Reports 7 hours ago.
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Best Auto Insurance for 16-Year-Old Drivers Added to Price System at Insurer Website

October 3, 2014, 5:08 pm
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Some of the best auto insurance prices for 16-year-old drivers are now featured in the Quotes Pros database at http://quotespros.com/auto-insurance.html.

Cincinnati, OH (PRWEB) October 03, 2014

Minors who are now of legal age to drive an automobile in all 50 states are one target group that can use the Quotes Pros website to find insurer rates online. A new group of the best auto insurance agencies underwriting plans for 16-year-old drivers can be reviewed at http://quotespros.com/auto-insurance.html.

The price database that exists for consumers to use is now defined to include the new annual policy rates data for minor drivers in the U.S. The best list of companies that can be explored using the search system includes known companies that could offer better discounts to new drivers.

"Both minor and adult plans can be found, evaluated or purchased with help from our free tool and a zip code is the single requirement for use," said a Quotes Pros source.

The system in place to present insurer information was recently adjusted to include high risk automobile insurance. Select companies that have the capability to provide plans like SR22 are now found inside of the QuotesPros.com database for the public to explore this year.

"The special rates and variety in policies that can be found when using our system are supplied direct by agencies or brokers," said the source.

The Quotes Pros company is now providing more search options when using its database this year compared with the tools offered in previous years. It is now possible for any adult using a zip code to find rates for life, health, renters or homeowners insurance plans at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company is now a source that some Americans use when locating prices for insurance using the Internet. The company portal has been maximized to include a variety of price plans from agencies. The QuotesPros.com company installed its open database of companies in 2013 and will continue to update portions of the system in an effort to help the public find new rates data daily. Reported by PRWeb 10 hours ago.
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Seminars scheduled on 2015 Affordable Care Act health insurance options in Virginia

October 3, 2014, 6:34 pm
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To help consumers navigate their options, Celebrate Healthcare, a Peninsula-based health advocacy and outreach organization, will hold its first events for the 2015 coverage season on Tuesday and Wednesday. Reported by dailypress.com 9 hours ago.
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Jeffrey Kissel named executive director of Hawaii Health Connector

October 3, 2014, 7:24 pm
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Former HawaiiGAS president and CEO Jeffrey M. Kissel has been named the new executive director of the Hawaii Health Connector, the online health insurance marketplace for Hawaii residents, its board announced Friday. He replaces interim executive director Tom Masuda. “I believe that everyone deserves to have health insurance coverage, and the Hawai‘i Health Connector is a highly viable resource for reasonably priced, high quality health care,” Kissel said in a statement. “I’m at a place… Reported by bizjournals 8 hours ago.
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Tom Goldstein: Next Supreme Court Term Will Be 'More Important Than Any In The Last 50 Years'

October 4, 2014, 10:04 am
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One of the nation's most well-known observers of the Supreme Court says the high court will face more consequential legal questions in the next few years than it has in the last five decades.

Tom Goldstein, an attorney and blogger at the widely respected SCOTUSblog, told NBC's Chuck Todd on Friday that potential decisions on abortion, affirmative action, gay marriage and the Affordable Care Act will make the latter half of the current Supreme Court term one to remember.

"[K]eep an eye on the abortion case coming out of Texas. Practically, it controls the fate of Roe v. Wade," Goldstein said in a "Meet the Press" chat on Twitter.

Thirteen abortion clinics shut down in Texas overnight after a federal appeals court ruled this week to allow a strict new anti-abortion law to go into effect. That leaves Texas with only seven providers, all of them concentrated in urban areas.

Goldstein predicted that the justices would take up the issue of same-sex marriage, which has continued to gain legal recognition across the nation. Missouri became the latest state to join the ranks after a judge struck down part of its gay marriage ban on Friday.

"[S]ame-sex marriage is the case of the (young) century. They have to take it. My guess is they hear the Utah challenge," he added.

The high court passed up an opportunity to hear a challenge on gay marriage on Thursday. Justices have their pick of bans on same-sex marriage in Utah, Oklahoma, Virginia, Indiana and Wisconsin, which have all recently been overturned by lower courts.

Also on Goldstein's radar is yet another challenge to the Affordable Care Act. The court may decide to hear a lawsuit that, if successful, would eliminate subsidies to millions of Americans who currently receive subsidized health insurance under its state-run exchanges.

"Way, way too few people are paying attention to this Obamacare challenge. It would destroy the statute," he said.

The Supreme Court scribe also predicted that Associate Justice Ruth Bader Ginsburg would make liberals wait several more years before stepping down. Some Democrats would like the 81-year-old justice to retire during President Barack Obama's final two years in office, so as to not risk a conservative appointment should Republicans take the White House in 2016. Ginsburg has other thoughts, however.

"Justice Ginsburg is going exactly nowhere. Not until after 2016," Goldstein said. Reported by Huffington Post 19 hours ago.
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Here's What The Supreme Court Is Up To This Term

October 5, 2014, 7:48 am
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A look at some of the noteworthy cases the Supreme Court will hear this term, which begins Monday:

—Mistaken traffic stop: A broken brake light led a North Carolina police officer to pull over a car in which cocaine was later found. Turns out, the state requires only one functioning brake light. The court is weighing a case about whether a defendant's constitutional protection against unreasonable searches was violated because of the officer's mistaken understanding of the law.

—Prison beards: An Arkansas inmate is challenging a prison policy that prevents him from growing a short beard in accordance with his Muslim religious beliefs. Prison officials say the policy prevents inmates from concealing contraband or quickly changing their appearance in an escape.

—Teeth whitening: The North Carolina Board of Dental Examiners is challenging a Federal Trade Commission order that said the dentist-filled board is trying to kill off competition from day spas and tanning booths that offer teeth-whitening.

—Dishonest juror: Claims that a juror's comments during trial deliberations over a South Dakota traffic accident raise questions about her impartiality and possibly could result in a new trial.

—Born in Jerusalem: The case of an American born in Jerusalem who wants his passport to list his birthplace as Israel underlies a major dispute between Congress and the president, with Middle Eastern politics as the backdrop. The United States has never recognized any nation's sovereignty over Jerusalem, believing the city's status should be resolved in peace negotiations. The administration says a 2002 law passed by Congress allowing Israel to be listed as the birthplace of Jerusalem-born Americans would in essence be seen as a U.S. endorsement of Israeli control of the city.

—Alabama redistricting: Democrats and black lawmakers contend that Republican leaders in Alabama drew a new legislative map that illegally packed black voters into too few voting districts to limit minority political power. Republicans say they complied with the law by keeping the same number of districts in which black voters could elect candidates of their choice.

— Facebook threats: A Pennsylvania man challenges his conviction for making threats on Facebook. He says his online rants about killing his estranged wife, shooting up a school and slitting an FBI agent's throat were simply rap lyrics, and that he didn't mean to threaten anyone.

— Pregnancy discrimination: A United Parcel Service employee says the company failed to accommodate her pregnancy when it refused to give her light-duty work. But UPS contends its policies are "pregnancy-neutral," allowing light-duty assignments only in cases where employees are injured on the job or have certain medical conditions.

—Housing discrimination: For the third time, the court has agreed to hear a challenge from Texas to an important tool the government is increasingly using to fight discrimination in housing. Two earlier cases settled before the justices could weigh in on the legality of determining discrimination from the results of a policy that disproportionately affects minorities, rather than by showing any intent to discriminate.

—Religious discrimination: Retailer Abercrombie and Fitch is defending its denial of a job to a woman wearing a Muslim headscarf by arguing that she did not say during her interview that she wears the hijab for religious reasons.

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Cases the justices could decide to hear before the term ends in late June:

—Gay marriage: Both sides want the justices to settle the question of whether same-sex couples have the same right to marry as heterosexuals under the Constitution. A court ruling in favor of same-sex marriage would grant marriage rights to same-sex couples in all 50 states, up from 19 states and the District of Columbia. A decision in favor of state marriage bans would allow states to continue setting the rules on whether to allow same-sex couples to wed.

—Abortion: Several states have passed laws in recent years aimed at limiting abortion by imposing hospital admitting privilege requirements on doctors who perform abortions, forcing abortion clinic facilities to meet tougher standards and preventing doctors from prescribing pills for medical abortions later in a pregnancy and at a lower dose. The court could take one or more cases that are winding through the courts.

—Voting disputes: Identification requirements and limits on early voting are among state voting laws that could make their way to the Supreme Court this term. The court already has jumped preliminarily into a case over early voting in Ohio and seems likely to want a full-blown review. But a decision on hearing that case could come late enough in the term to push back the argument and decision to the following term that begins a year from now.

—Contraception: The next fight over the new health care law's requirement that contraception be offered to women among a range of preventive services at no extra cost concerns the responsibilities of religious not-for-profit universities, hospitals and other institutions. The Obama administration already allows those organizations to shift responsibility for coverage to their insurers, but the groups say that so-called accommodation still is a burden on their religious consciences. In June, the justices said family-owned corporations with religious objections do not have to pay for contraceptives for women covered under their health plans.

—Health care subsidies: Legal challenges to the health care law continue in several states that would drastically reduce the number of Americans eligible for subsidies to make health insurance affordable. One appeal of a court ruling denying a challenge to the subsidies already is pending at the Supreme Court, although the pace of the other cases suggests the justices are more likely to wait, if they even are willing to undertake another high-stakes fight over the health care law.

—Affirmative action: The court could get another crack at the University of Texas admissions policy that takes race into account among many factors in filling some seats in entering freshmen classes. Lower courts upheld the Texas policy following a Supreme Court decision in 2013 that ordered a new review. The case currently is being appealed to the full 5th U.S. Circuit Court of Appeals in New Orleans. Reported by Huffington Post 22 hours ago.
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Health Insurance: Why American Workers Feel Poorer

October 5, 2014, 8:56 am
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Even as the economy starts producing raises again, higher costs of health insurance are eating into take-home pay. Reported by Motley Fool 21 hours ago.
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