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Online USA Doctors Announces New Health Insurance Options Answering Obama’s Call to Action

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Online USA Doctors revolutionized health insurance options by creating an exclusive method of delivering healthcare in a non-traditional way called telemedicine.

Austin, TX (PRWEB) August 19, 2013

Online USA Doctors revolutionized health insurance options by creating an exclusive method of delivering healthcare in a non-traditional way called telemedicine. Healthcare utilization or the frequency of doctor visits often can be handled by a doctor quickly without having the patient physically drive to a brick and mortar location to talk to a physician.

Online USA Doctors created a unique option to health insurance, or those without any insurance or with high deductibles. Online USA Doctors developed a subscription option that allows people to communicate with a doctor as frequently as they desire. Online USA Doctors conducts doctor consultations via video or telephone and offer nationwide lab testing, prescriptions and many other services and products all for the subscribers to utilize as often as they wish.

Employers who elect to offer their employees the Online USA Doctors Health Insurance add-on services will realize a $2,200 per employee savings annually through a reduction in emergency room visits, doctor brick and mortar visits and unnecessary tests and prescriptions.

Julie Wright, president of Online USA Doctors comments “our research has uncovered that we can literally drive health insurance rates down by driving down healthcare utilization if people are able to talk to a doctor same-day in the convenience of their home or work.”

When Obama said in March 2010, “after a century of striving, after a year of debate, after a historic vote, health care reform is no longer an unmet promise …”, he was issuing a clarion call for the U.S. medical profession to respond. Not all practitioners have been forthcoming. To date, urgent care services are still largely the preserve of mainly wealthier people.

Online USA Doctors is making a concerted effort to change this, by cutting out the inefficiencies that drain the current medical health insurance model. “We noted that medical diagnosis methodology hadn’t changed since the Middle Ages,” Dr. Shelton, medical director says. “It’s crazy the profession is still in the pre-Internet era.

Online USA Doctors subscription is offered with a low, monthly fee of $29.99 for individual health insurance alternative coverage and low as $59.99 for family. The monthly subscription entitles health insurance subscribers to ask the doctor questions as often as needed. The doctor responds to each question through a secure, online health charting system within the Online USA Doctors platform. All doctor advice is retained for future use. The subscriber can schedule a video or telephone doctor consultation at a time convenient for the subscriber. The doctor is able to order lab tests if needed (nationwide) and prescribe.

Carrisa from San Diego, California explains, “prior to joining Online USA Doctors, I would wait until my families’ health condition deteriorated as we just didn't have the funds to pay out of pocket for a doctor visit as our deductible is over $2,000 per person annually. Since joining Online USA Doctors, I have same day access to a doctor who is able to diagnosis and advice within the hour of my question submission. We've saved thousands with their health insurance alternative service and I believe my family is healthier as a result.”

About Online USA Doctors:
Online USA Doctors provides telemedicine healthcare services and products nationwide. A team of USA licensed and educated physicians are available 7 days and expanded hours. Refer other inquiries (including joining the panel) to (855) 872-0012 or submit your interest to onlineusadoctors.com Reported by PRWeb 15 hours ago.

Defined Contribution Part 3- Simplifying the Employers Roles

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The rising cost of healthcare combined with the use of the Health Insurance Exchanges, now officially referred to as the Health Insurance Marketplace, has made employers of all group size reconsider the idea of paying a percentage of the employee’sAFFORDABLE CARE ACT:

DEFINED CONTRIBUTION Part 3: SIMPLIFYING THE EMPLOYERS ROLE

Part 3 of 4

A Defined Contribution, funded inside an FSA, is financed with employer’s dollars to start. The employer can choose how to design the plan as long as it is non-discriminatory to any employee class. Employer dollars can be designated, or clearly defined by the employer, to Medical Premiums (Group or Individual), Dental, Vision, Dependent Day Care (IRC Section 129), Transit and Parking (IRC Section 132) or to the Premium Reimbursement Account (PRA) for individual policies. Employees can also contribute to the Medical FSA for health related expense, and other eligible FSA benefits, that exceed the value of the Defined Contribution.

Private Health Insurance Marketplace are evolving as a substitute or alternate to the Affordable Care Act’s Public Marketplace. Employers, when using a Private Exchange Marketplace, will access the Marketplace thru their Health Insurance Broker. Employers will set a Defined Contribution, select with their broker the health insurance solutions to be offered and the employees will log into the designated insurance marketplace. The employees, using the employer contribution and their own pre-taxed contributions, will begin to select insurance plans from the solutions being offered. The types of solutions being offer will vary depending on the exchange marketplace that was chosen by the employer and their broker. Some marketplaces will be more robust than others. Some will provide group health, individual health, dental, vision, FSA’s, HSA’s, HRA’s, disability insurance, homeowners and even pet insurance. Some will provide all of the available benefits while others will not. Of course the employees can only pre-tax IRS qualified benefits and homeowners insurance and pet insurance do not meet the requirements. Private Marketplaces can provide more flexibility than the Public Marketplace and provide a broader assortment of insurance solutions. These solutions can also be tailored for different employee needs.

Defined Contributions give the business owners controllable costs while providing the employees with choices and options pertaining to their needs and their family’s needs. The employer will determine their budget for the company then determine which class of employees (employees contributions can be different based on the employee class) will receive how much of a dollar allowance. The employees will enroll in a Flexible Spending Account (FSA) that will allow for the facilitation of the employers and the employees money in a tax free manner. The employees will then chose from a menu of available pre- tax health options and pre-tax employee benefits. This could be for health insurance expenses such as premiums, co-pays and co-insurance related to the health plan, dental plan and vision plan. Also available inside the FSA would be the Premium Only Plan, Dependent Care Account, Transit and Parking Benefit and the Premium Reimbursement Account (PRA) for non-employer sponsored individual health plans. Employees can now choose how to spend their health care stipend which should create happier and hopefully healthier employees. Employers have a predictable, controllable cost by offering a Defined Contribution while at the same time streamlining their administration. The employees will save additional money as all pre-taxed benefits bypass federal and in some states state income tax. The employers will save as the required employers FICA match is also eliminated on all pre-taxed employee contributions. The end result will be employees with numerous health care choices and an employer and senior leadership team that can refocus on the business versus the business of managing the employees.

Next week’s article will discuss the Private Marketplace, the allocation of the employers/employees money and consolidated billing of all the benefits.

Al Scepkowski is a Chartered Benefits Consultant (CBC) with First National Administrators in Parsippany, New Jersey. His email is ascepkowski@fnanj.com

Company Contact Information
First National Administrators
Al Scepkowski
26 Hill Road Parsippany NJ
07054
973-257-5558

News and Press Release Distribution From I-Newswire.com Reported by i-Newswire.com 15 hours ago.

Paul Bunyan is now selling health insurance

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With just over a month left until the health insurance marketplaces launch, more and more states are going live with campaigns to convince residents to purchase coverage.

The latest effort comes from Minnesota, which has turned to none other than local lumberjack hero Paul Bunyan as the face of its campaign. His enormous blue ox, Babe, will also have a starring role.Read full article >>
 
 
 
  Reported by Washington Post 14 hours ago.

Gaming ObamaCare's Health Insurance Mandate For Fun And Profit

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No insurance?  No money?  No want ObamaCare?  No worries.  You too can game ObamaCare’s mandate to buy health insurance.  It’s easy, and it may even be in your financial self-interest. Reported by Forbes.com 14 hours ago.

ConnectedHealth to organize exchange use

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ConntectedHealth has been contracted by the federal government to connect consumers to health insurance plans online in Pennsylvania and other federally facilitated insurance marketplaces nationwide. Chicago-based ConnectedHealth will provide a range of health insurance shopping options, including private plans and plans available in the state or federal marketplace. Under the Affordable Care Act, states were required to operate their own online health insurance market or collaborate with the federal… Reported by bizjournals 14 hours ago.

Here's The White House's Latest Attempt To Get People To Sign Up For Obamacare

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WASHINGTON -- With precious time remaining before the health care exchanges established by the president's health care law are up and running, the Obama administration is rolling out new initiatives to encourage enrollment.

The latest of these is set to be unveiled on Monday, when the Department of Health and Human Services will debut a video contest -- complete with cash prizes -- designed to persuade younger consumers to get insurance.

The administration will partner with Young Invincibles, a non-profit youth issues organization, to run the contest, with the goal of reaching those younger Americans who are skeptical of the need for health coverage.

Participants will be encouraged to submit three different types of videos advertising the benefits of the exchanges: a song, an animated short, or a video designed to convince viewers that they aren't invincible. Using funds from the Affordable Care Act's education and outreach budget, HHS will award $3,000 each to the creators of the three most popular and persuasive videos, while second and third place winners will get $2,500 each.

“Educating young people about new coverage options requires an all-hands-on-deck approach," Secretary Kathleen Sebelius will say Monday during a speech at a Young Invincibles conference in Houston, according to advanced remarks provided to The Huffington Post. "For millions of young people, health insurance hasn’t been an option because it’s always been out of reach—because it costs too much, or isn’t offered through a job."

The contest is designed to dispel the notion that even young and healthy individuals would be better off simply not purchasing health insurance. It may seem like an odd choice of battlegrounds. But attracting the young demographic is key to the effectiveness of the exchanges, providing insurers with the type of low-risk customers that will help lower premiums across the board. It's no coincidence that many conservative opponents of the Affordable Care Act are actively urging young people to skip the exchanges altogether, even though doing so would mean incurring the tax penalty for not having insurance coverage.

The agency's PR budget for the health care law is $75 million (though the $30,000 being spent by the video project comes from a different pool of funds). That may seem like a lot, but HHS will likely be outspent by opponents of the health care law. The department has searched for ways to spread the word about the exchanges at a lower cost, and has turned to allies like Planned Parenthood for help.

People who wish to enter the video submission contest must do so by Sept. 23. On Oct. 1, the day the exchanges go online, the videos will debut on a website created by Young Invincibles and the public will be allowed to vote on them. The winners will be announced on Oct. 21.

This reporter's wife works for the Office of White House Counsel on matters of congressional oversight, including on the ACA's implementation. Reported by Huffington Post 13 hours ago.

Zane Benefits Publishes New Information on Health Insurance Broker Exiting

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A recent study said 45 percent of brokers may exit the industry.

Park City, Utah (PRWEB) August 19, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on health insurance broker exiting.

According to Zane Benefits’ website, nearly half of U.S. health insurance brokers are considering exiting the health insurance business altogether, with the majority saying they're only slightly or not at all confident about the future of their business and their industry.

The 2013 Aflac WorkForces Report for Brokers reflects a common feeling among insurance brokers that they're taking the brunt of changes in America's healthcare system.

One reason for this shift in attitude is that group health insurance is undergoing a drastic shift with new structural changes brought on by health care reform. In addition, costs for employer-sponsored group health insurance are at an all-time high for employers and employees. Brokers feel the closing of the group health insurance market, and it’s a threat to their current business model.

In a recent look at brokers' views on health care reform, 72 percent said health care reform would make the country worse off, and 65 percent said it would make their business worse off. In general, brokers are not happy with the health care reform.

These recent studies around brokers exiting the industry, and the future of health insurance brokers, has created a whirlwind of discussion on social media, especially LinkedIn.

But studies aside, are 45 percent of Brokers Really Calling it Quits?

The 2013 Aflac WorkForces Report for Brokers analyzed the trends, attitudes and use of employee benefits, with results derived from online surveys of nearly 1,884 benefits decision-makers, 5,299 workers and more than 300 brokers. The survey found that:

29 percent of brokers are concerned about remaining relevant to their clients.

62 percent named "rising health care costs impacting client decisions on benefits" as the most important issue for their insurance business right now.

Only 15 percent of brokers say they are completely confident in the future of their insurance business and the industry.

However, all the changes surrounding health care reform, is a huge opportunity for those brokers who are willing to adapt. Employers need brokers now more than ever to help understand health reform and navigate new health insurance options. Brokers who are familiar with health reform, defined contribution health plans, consumer-driven options, and wellness programs are going to have a leg up in the new markets that are developing.

The need to adapt was reflected in Zywave’s 2013 Broker Services Survey that found a widening gap between what employers expect of their broker, and what brokers are delivering. The report surveyed 5,500 employers nationwide and identified that employers look for these top five features when selecting an employee benefits broker:

1. Managing health care costs

2. Keeping in compliance and up to date on changing legislation, including health care reform

3. Benefits administration and employee benefits education

4. Keeping up to date on regulatory changes

5. Controlling workers’ compensation costs and managing exposures

One of the ways brokers nationally are adapting to the market changes, and actually profiting from the market changes, is by adding defined contribution health care to their offerings. For brokers, defined contribution health care offers a solution to increase individual health insurance policy sales and retain clients who are canceling group health insurance.

Click here to read the full article.

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About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100 percent paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 10 hours ago.

Pacific Prime Clients in China to See Increased Cover as Health Insurance Premiums Continue to Grow

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Recent reports indicate that increased marketing efforts from commercial insurers in China have led to a 25.8% growth in insurance premiums in the first six months of 2013.

(PRWEB) August 20, 2013

Pacific Prime clients residing in China are likely to experience an increase in available cover options as health insurance premiums continue to grow. Reports from the first half of this year indicate that premiums have increased by 25.8%, a figure already higher than the total 24.6% growth of last year.

This rapid growth has been mainly due to increased marketing efforts by insurers that are stressing the importance of major illness. While this increase in cover will mostly be beneficial for the population, the government will need to consider several cost issues to ensure stable success.

The Chinese government aims to ensure universal healthcare for its population by 2020 and it has been working on several reforms to achieve this. Where in 2004, only 10% of the population had access to some form of medical coverage, 95% of the population were reported to have coverage in 2011. The cover that many PPI clients in China had access to several years ago was much different than today.

In addition to international insurance companies expanding in the country, a number of government schemes have helped increase coverage for those with little to no income, mainly residing in rural areas.

Despite the positive steps being taken so far, there are still several hurdles to achieving sustainable universal healthcare in China. 80% of China’s hospitals are located in city centers, and the quality of treatment at rural facilities is significantly poorer than those in the cities.

Pacific Prime analysts are curious to see how China will financially adapt to a population that has seen such a sudden increase in health care. Such an increase will likely lead to a higher life expectancy and thus a greater need for quality elderly care.

Raising the level of health care in a country as big as China at such a rapid pace undoubtedly carries a financial risk. Fortunately, with China's substantial economic boom, the government should be able to continue creating effective health care reforms to benefit both the Chinese insurance market and the Chinese population. With the rapid pace at which the Chinese medical insurance landscape is changing, PPI analysts are eager to see how their clients will respond in both the short and long term future.

To read more, visit http://www.pacificprime.com/resources/news/2013/08/15/china-growth-major-illness/. Reported by PRWeb 3 hours ago.

FastMeds 2nd Greensboro Location Underscores Need for Convenient, Affordable Medical Care

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FastMed Underscores Need for Convenient, Affordable Medical Care, Opens Seven New Locations in North Carolina, Fills Gap Between Primary Care and Emergency Roomhttp://www.fastmed.com/about-fastmed/fastmed-news/fastmeds-2nd-greensboro-location-underscores-need-for-convenient-affordable-medical-care

FastMed Urgent Care’s growth continues to fill the widening gap in convenient, affordable care

August 19, 2013 - Clayton, NC - FastMed, the premier urgent care network in North Carolina, is opening a second walk-in clinic in Greensboro Saturday, August 24 off of 5402 West Market Street. FastMed’s clinic will take the place of Blockbuster video across from Park Place Apartments and next to the Great Stops gas station.

Opening day, FastMed’s medical staff will provide tours of the new, state of the art urgent care clinic, and be available for questions. FastMed visitors will receive free hand sanitizers and other give-a-ways as a thank you for stopping by. From August 24 through September 24, the new FastMed will provide free athletic sports physicals (normally $35) to students.

Each FastMed Urgent Care center provides walk-in treatment 365 days a year for common acute injuries such as lacerations and wounds, as well as treatment of sudden illnesses including allergic reactions, infections and the flu.

FastMed caters to patients with minor illnesses and injuries. They're not meant to replace emergency rooms or doctors' offices, but are less expensive than the emergency room and more convenient for non-life threatening medical conditions. Unlike a regular doctor's office, they don't require appointments.

The growth in urgent care centers like FastMed is expected to continue as millions of Americans gain health insurance for the first time next year. The Affordable Care Act increases the value of quality urgent care in local communities, providing patients a cheaper, more convenient alternative to the local hospital emergency room.

“We opened our first urgent care in Greensboro in November of 2011 and our response to the demand for affordable walk-in treatment is a second urgent care location to serve the needs of the community,” said Jason A. Williams, MPAS, Ph.D, FastMed’s founder, President and Chief Executive Officer, Eastern Region.

FastMed Urgent Care currently has 54 locations and beyond their second Greensboro location opening August 24, they are expanding with 6 new locations in North Carolina including the towns of Lumberton, Kernersville, Rocky Mount, Greenville, Henderson and Salisbury.

About FastMed Urgent Care:
FastMed Urgent Care is a North Carolina-based owner and operator of urgent care facilities with locations throughout North Carolina and Arizona. FastMed focuses on the delivery of non-appointment based medicine to the non-emergency patient market. The urgent care centers are open 365 days a year and are staffed with experienced and licensed physicians, physician assistants and nurse practitioners. For more information, please visit www.fastmed.com. FastMed is managed by an affiliated entity of one of the investment funds of the Comvest Group.

About the Comvest Group:
The Comvest Group, with $1.2 billion of assets under management, provides flexible financing solutions to lower middle-market companies through its equity and debt funds, often meeting time-critical and complex funding requirements. The firm includes seasoned, senior level operating executives who partner with managers and owners of companies to operationally improve businesses and create long-term value. Since 2000, Comvest has invested more than $1.5 billion of capital in over 105 public and private companies. For more information, please visit www.comvest.com.

Company Contact Information
FastMed Urgent Care
Reuel Heyden
935 Shotwell Rd.
Suite 108
27520
919.550.0821

News and Press Release Distribution From I-Newswire.com Reported by i-Newswire.com 14 minutes ago.

Survey: Health insurance costs outpace wage gains

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Workers saw a modest rise in the average cost of employer-sponsored health insurance this year, but they're probably not overwhelmed with relief. Reported by TwinCities.com 10 hours ago.

Employer-sponsored health insurance premiums see modest increase

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Health insurance premiums for workers and employers increased again this year, though it was at a relatively modest four percent. Annual premiums for employer-sponsored family health coverage reached $16,351 this year, with workers paying an average of $4,565 toward the cost. And although that's a premium increase of 80 percent since 2003, it's only four percent higher than in 2012. Similarly, premiums for single coverage increased by about 5 percent to $5,884 with workers paying about $999. The… Reported by bizjournals 10 hours ago.

State Health Insurance Exchange To Be Called "New York State Of Health"

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There are only 141 days until open enrollment begins for the state's health insurance exchange, and now, it has a name: "New York State of Health." Reported by NY1 35 minutes ago.

Health insurance exchange will make small business more competitive, expert says

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We've heard plenty about how the Affordable Care Act is going to force small businesses to cut back on the number of full-time employees and burden them with fees, but some say there's a silver lining to the bill. The health insurance exchanges, which are to go live on Oct. 1, are supposed to make health coverage for individuals and small businesses more affordable. Once that happens, small companies that previously could not provide health insurance to their employees will gain an advantage, experts… Reported by bizjournals 7 hours ago.

Health insurance now costs $16,000 for average family

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The average family’s health insurance now costs about $16,000, and workers pay more than a quarter of that, according to a new survey. Reported by msnbc.com 5 hours ago.

Health insurance costs rise for employers and workers, survey finds

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American workers and their employers saw another rise in health insurance premiums this year, as the total cost of employer-provided health benefits ticked up 4 percent for family plans and 5 percent for individual plans, according to a closely watched national survey. Reported by San Jose Mercury News 4 hours ago.

Health coverage costs outpace pay gains in survey

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The average cost of employer-sponsored health insurance rose modestly this year. Reported by Newsday 2 hours ago.

Rise in health-insurance costs slows, but workers paying more

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Premiums for employer-provided health insurance increased by relatively modest amounts for the second year in a row, according to a new survey. But the increase outpaced inflation and wage growth, adding to the growing burden that health-care costs are putting on Americans. Reported by Seattle Times 4 hours ago.

Costs rise for employer-provided health benefits, survey finds

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Health insurance premiums rise 4% for family plans and 5% for individual plans in 2013, outpacing inflation and wage growth. Reported by ChicagoTribune 3 hours ago.

Health insurance costs outpace wage gains, survey finds

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Health insurance premiums continue to grow at a moderate pace, but to most people, it doesn't feel that way. Reported by TwinCities.com 2 hours ago.

State’s ad blitz promotes health-insurance exchange

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Washington state is beginning a big effort to get the word out about its new online health-insurance exchange that is at the core of Obamacare. It’s targeting ads at the state’s uninsured, with hopes of signing up 130,000 people by year’s end. Reported by Seattle Times 2 hours ago.
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