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Career Training Academy Announces Relocation, Expansion for North Hills Campus

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Newly renovated facility in West View location to meet increased demand for healthcare industry.

PITTSBURGH, PA (PRWEB) April 10, 2015

Career Training Academy (CTA) has announced plans to relocate its North Hills facility currently situated at Northway Mall on McKnight Road to a newly renovated facility in West View Shopping Center in April 2015.

The new facility will provide career training in the medical fields to meet an increased demand for healthcare workers in the North Hills area and lend to economic growth and development in the West View community. The new location will offer increased square footage and greater and more convenient access to public transportation, proximity to restaurants and ample free parking for students and employees.

While less than four miles from its current location, the new North Hills facility is closer to downtown and makes it possible to access the campus without a bus transfer for most students.

"Our decision to relocate to West View offers distinct advantages to our students and employees," said Carla M. Ryba, Campus Director. "Relocation plans include program-focused renovation, allowing us to enhance facilities to advance student career preparation in specific fields."

CTA will offer the following programs in the West View location: Medical Assistant, Medical Assistant Comprehensive, Health Insurance Claims Examiner/Medical Biller, Advanced Medical Coder/Biller, Therapeutic Massage Technician, Comprehensive Massage Therapist and Advanced Bodyworker.

Area residents can expect to take advantage of CTA's Massage Clinic, a practical training program designed to offer advanced training for students open to the public by appointment (details, if available).

CTA North Hills' new facilities will be located at 1014 West View Park Drive, Pittsburgh, PA 15229. The campus expects to remain in its current location until April 23, 2015 and will fully relocate all programs, faculty, learning resource materials, administrative staff and equipment for April 27 classes in the new location.

ABOUT CAREER TRAINING ACADEMY

Founded in 1972, Career Training Academy offers professional career training and advancement in the medical, dental and massage therapy fields. Career Training Academy’s main campus is located in New Kensington, PA, with additional campuses in Monroeville and North Hills. The mission of Career Training Academy is to provide an educational environment that enhances learning and personal enrichment with unique and traditional methods, new techniques to learning, and a curriculum designed to meet career goals and industry needs. CTA maintains an active student community service program to foster character and self-esteem and is dedicated to the education and advancement of each individual’s career goals. CTA is accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC) and licensed by the State Board of Private Licensed Schools, Pennsylvania Department of Education. Reported by PRWeb 2 hours ago.

Why You Should Give Your Insurance Policies a Checkup

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Why You Should Give Your Insurance Policies a Checkup Filed under: Insurance Industry, Auto Insurance, Health Insurance, Homeowners Insurance, Life Insurance

*Shutterstock*

By Geoff Williams

The insurance industry often urges customers to check their policies every once in a while to make sure everything is up to date. While that sounds like self-serving advice -- because you know any conversation with your insurance agent will end with a pitch to buy more insurance -- it's actually a good idea.

As Bill Swymer, an adjunct finance professor at Bentley University in Waltham, Massachusetts, observes: "The No. 1 reason people need to be reviewing all insurance policies is because circumstances change, and you do not want to be left underinsured or paying for insurance you no longer need."

If you bought life insurance when you were married or after your first child was born, and you're now on baby No. 4, you're probably long overdue for an upgrade. Or maybe after you bought a new car, your insurance policy covered you for every possible circumstance. If you're now driving a clunker that isn't worth the gas you're putting in the tank, you are probably vastly overpaying for your coverage. Some other things you might realize in a review.

*You Might Catch Mistakes*

You probably have a lot of insurance policies -- health insurance, life insurance, auto insurance, homeowners insurance. There may be an error or two or three in one or more of those policies. For instance, Aflac, which provides supplemental health insurance, found in its annual employee benefits study, which surveyed 5,209 employed adults and 1,856 benefits decision-makers at companies, that 42 percent of workers waste up to $750 each year on insurance benefit mistakes.

*You Might Find Better Rates*

Ken Davidson, co-founder of Dallas-based Eagle Independent Insurance, points out that you may lower your premium if you regularly compare insurance quotes. "Insurance premiums can frequently change for several reasons," he says, citing homeowners insurance as a type you'd want to look at fairly often. The crime rate, for example, could go up or down, changing your rates. You may have purchased your homeowners insurance policy after recent storms inflated rates, and perhaps yours haven't come down but competitors' rates have.

"So only by comparing different policies at every renewal period -- or even more frequently -- can consumers ensure they're getting the best deal at that time," Davidson says.

*You Might Find More Assets That Need Coverage*

Your life doesn't just change. What you cover does. Leigh Needelman, CEO of Florida Assurers, an insurance agency in Miami Beach, Florida, recalls a client whose diamond ring was stolen in a home burglary. Fortunately, it was insured, and the client was sent a $6,000 check. So the client went to the jeweler to replace the diamond ring. But she wasn't able to replace the diamond ring -- or if she did, she had to kick in a lot of her own money. "When the jeweler was given the check to replace the diamond ring, he advised [her] that the ring had appreciated to $18,000," Needelman says.

Even if you aren't concerned about insuring your engagement ring -- maybe you're single or need a microscope to see the diamond and figure it isn't worth the trouble -- if you've been around a while, you have probably collected some stuff over the years, and perhaps a lot of it is expensive. For instance, maybe you locked in your home insurance rates when your new home was filled with secondhand furniture. If all of that has been replaced with sofas and a dining room table purchased from an actual furniture store, and that 20-inch TV was swapped for a 60-inch set, it may be time to discuss these upgrades with your homeowners insurance agent.

Sure, you'll likely see your rates go up, which is painful, but if a disaster occurs, you'll actually be covered for what you own. According to Liberty Mutual New Beginnings Report, which surveyed 1,936 American adults, fewer than one in five Americans adjust their insurance policy after making a major purchase. Only 18 percent have formal documentation of their belongings, meaning, apparently, that everyone else just makes an estimated guess and stores all the information in their heads. One-third of Americans don't know the value of their household possessions, and almost 10 percent are unaware that they should check to make sure they have enough coverage to protect their belongings from theft or damage, the study found.

*You Might Decide It's Time to Bundle*

If you have four different policies with four different carriers, you might want to bundle a few. That is, have your homeowners and car insurance with one company, for example. You can often get discounts of at least 10 percent when you start bundling, says David Spencer, a senior vice president at ACE Private Risk Services, which offers insurance for high-net-worth individuals and businesses.

*You Might Get Some Discounts*

Yes, your insurance agent may talk you into buying more insurance, but at the same time, you may learn that you're due for some discounts. "Homeowners can earn credits on premiums by installing safety devices like burglar alarms, water leak detection systems, battery backups for sump pumps and automatic standby generators. When combined, these credits can reduce homeowners' premiums by 30 percent or more," Spencer says.

Think about that. If you bought a security system months ago, or years ago, and you didn't tell your homeowners insurance agent, you have probably been overpaying on your homeowners insurance for some time.

 

Permalink | Email this | Linking Blogs | Comments Reported by DailyFinance 2 hours ago.

Bankers Life Planting Seeds of Hope for Alzheimer's Research

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CARMEL, Ind., April 10, 2015 /PRNewswire/ -- Bankers Life, a national life and health insurance brand of CNO Financial... Reported by PR Newswire 42 minutes ago.

5 Important Leadership Lessons from Hillary Clinton

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The former Senator and Secretary of State may be under fire, but is one of the strongest leaders in America today

In the midst of the Republicans' continuing efforts to trap Hillary Clinton on the Benghazi affair through the medium of her email protocols as Secretary of State, not to mention the media circus surrounding it, it's important to recognize that the former First Lady and Senator is also a very strong leader.

It could be argued that it's difficult for anyone to truly lead today's highly independent society. While some visionaries like Tim Cook of Apple do inspire a loyal following, they are the exception, and many leaders today seem to be crowd pleasers instead of trendsetters, especially in politics.

Hillary Clinton, however, bucks this trend with a defiant and dynamic style that transcends her politics:

*Refuse to be bound by tradition*

As a woman in the male-dominated world of politics, Clinton has encountered her fair share of challenges, but nowhere more so than when she was First Lady. During Bill Clinton's first term as President, he appointed Hillary to head the Task Force on National Healthcare Reform, which was tailor made for her sharp legal mind and policy acumen. Yet her involvement greatly irritated the political establishment, which preferred that the First Lady stay out of active governance, and her efforts were eventually shot down.

While Clinton adopted a lower profile during her husband's second term, she nevertheless continued to fight for health and welfare related issues, and never wilted in the face of narrow-minded opposition to her stepping outside her proscribed role. Her work led to the expansion of health insurance for children in lower income families, legislation to aid the removal of children from abusive environments, and the creation of a division to address violence against women in the Justice Department.

The lesson is to never allow expectations of your 'role' to hold you back from contributing your talents and realizing your full potential. Your contributions are more important than adherence to tradition.

*Have the guts to evolve*

Surprisingly, Democratic champion Hillary Clinton actually began her political career as a Republican, working on Barry Goldwater's campaign in 1964, heading the Young Republicans club at Wellesley college and working for the House Republican Conference. However, by the late 1960s, her thinking on various social and political issues had begun to evolve and shift towards the Democratic party, and she has steadily applied her knowledge, experience, and passion to liberal causes ever since.

In other words, Clinton had no fear of moving in a different direction as her understanding of the world matured. The best leaders are not necessarily those who adhere to an ideology but those who are willing to consider new information and alter their course accordingly; to do what feels right to them.

Clinton's many accomplishments as a Democrat in the arenas of child welfare, women's rights, universal healthcare, and global hunger are a testament to the success of this approach, and should be an inspiration for all leaders intent on doing their best rather than sticking to stubborn beliefs.

*Don't let critics derail you*

It's debatable whether Clinton should have used her personal email account for conducting State Department business, but that doesn't justify the hysteria over the issue or change the fact that much of the fuss is politically motivated just as she gets closer to announcing a bid for the Presidency of the United States.

But that is where leaders shine the brightest, resisting sensationalist forces and remaining focused on their goals. Despite the ordeal that she is being subjected to, Clinton seems determined not to let it derail her plans to run for the White House or to continue fighting for the causes she cares about.

As a leader, you need to be thick skinned and able to withstand even the most unfair criticism without letting it hamper your aims or ability to do your job. History ultimately judges you on your performance, not on how well you weathered a media cycle.

*Reject gender roles*

Today's political and business landscape is populated by some (if not enough) examples of strong women who have defeated the odds. These include Mary Barra of GM, Indra Nooyi of PepsiCo, and Sheryl Sandberg of Facebook. But despite sharing some core qualities of leadership with these women, Hillary Clinton has defined her own style of leading that is defiantly gender neutral.

While the former Senator is a vocal proponent of gender equality, she also defies stereotypes, preferring to simply do the best job possible in any situation without seeing the world (or allowing the world to see her) through the prism of gender. As the U.S. moves towards greater equality, that is a crucial and potent leadership trait. The best leaders of tomorrow will not be men or women but the most qualified and capable professionals who transcend gender altogether.

*Balance idealism with pragmatism*

Unlike many of her colleagues in politics, Clinton has refused to be dogmatic, choosing instead to achieve results through pragmatism and compromise, which makes her an effective leader. It's also why she's able to perform the delicate balancing act of promoting populist ideals while maintaining credibility with the corporate sector, particularly Wall Street.

That is a rare quality in the hyper-partisan environment of Washington, and a good lesson for anyone in a leadership role in an organization.

Sanjay Sanghoee is a business commentator. He has worked at investment banks Lazard Freres and Dresdner Kleinwort Wasserstein, at hedge fund Ramius Capital, and has an MBA from Columbia Business School.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 23 hours ago.

One More Reason To Feel (Pretty) Good About Obamacare

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Millions of additional people now have health insurance thanks to the Affordable Care Act and the historic expansion of coverage it has made possible. But the nation’s total spending on medical care hasn’t exploded, as legions of “Obamacare” critics predicted it would.

In fact, America’s health care bill is turning out to be a lot smaller than economists thought it would be by this point.

That’s the conclusion of a new paper by John Holahan and Stacey McMorrow, researchers at the non-partisan Urban Institute. The aim of the paper is to tally up all the expenditures the country will make on health care between 2014 and 2019, whether it’s through private insurance, government programs like Medicare and Medicaid or direct out-of-pocket payments from patients to doctors.

These are the numbers experts generally have in mind when they say things like “health care costs are bankrupting the country.” The fear is that spending more and more on health care will leave us with less and less money for other things, whether it’s stuff we buy for ourselves (everything from food and shelter to vacations and cars) or institutions we support and investments we make indirectly through taxes (like schools, the military and Social Security checks).

National health expenditures are almost always increasing from year to year and, generally, they have increased even more quickly than spending on other goods. When the Affordable Care Act became law, both its critics and quite a few independent analysts predicted the trend would only get worse. As the logic went, every time one of those newly insured people walked into a doctor’s office, got admitted to a hospital or took an expensive drug, that person would be adding to the U.S. health care bill. Multiply that effect by a few million and, presto, you have an aggregate bill for medical goods and services that’s higher -- probably a lot higher -- than previously expected.

It was a perfectly reasonable prediction. But it doesn't seem to be coming true.

In 2010, just after the health care law passed, the government’s official actuaries at the Centers for Medicare and Medicaid Services predicted that total national health spending for the five-year period starting in 2014 would be $23.6 trillion. Using the latest data, Holahan and McMorrow have calculated that spending over that interval will probably be $21 trillion -- in other words, the total will be $2.6 trillion less than the government's number crunchers thought it would be.

Source: Urban Institute

That’s a pretty big windfall. You can think of it as $2.6 trillion that the country had expected to spend on health care but will likely have available for other purposes.

The finding is consistent with other recent data, like the Kaiser Family Foundation/HRET annual survey of employer-sponsored premiums (which have been rising at very slow rates) and the government’s official data on overall health care spending from 2010 through 2012.

The question is why this slowdown is happening. The economy is the most obvious factor. The lingering effects of the recession have left people with less money to spend and less enthusiasm for spending what they have. Overall, Americans have cut back on medical care, just as they’ve cut down on all consumption.

But the economy isn’t the whole story. The out-of-pocket expenses that come with private insurance are getting bigger. For better or for worse, that’s given people financial incentive to think twice before seeking medical help. There's been a relative dearth of expensive new technologies, although that may be changing just now with the introduction of some pricey blockbuster drugs. Meanwhile, the government has reduced what it pays hospitals, insurers and some other parts of the health care industry, in an effort to scale back what many experts consider a thinly veiled form of corporate welfare via Medicare.

Most intriguing -- and, over the long run, probably most important -- is that the providers of medical care are changing the way they do business, in ways that should both make people healthier and make the system as a whole more efficient. Hospitals, for example, appear to be doing a much better job of preparing patients for discharge and then following up with those patients afterward. Those patients are less likely to get sick and need costly readmission within 30 days.

Does Obamacare have something to do with this? Probably. Notwithstanding President Barack Obama’s (foolish and misleading) campaign promise to reduce the average family’s premiums by $2,500, the Affordable Care Act’s supporters never said that national health care spending would go down per se. They simply predicted that it would grow more slowly than it had in previous decades -- that they would “bend the curve” on health care costs.

It would happen, they said, because of a series of modifications to Medicare and to tax policies that the law contains. Early signs, like that dramatic drop in hospital readmissions, suggest strongly that those efforts are having an effect. In the new paper, Holahan and McMorrow agree that the Affordable Care Act has helped, although they caution that it’s too soon to assess the law's influence definitively -- or to say whether, right now, the savings are sufficient to offset the new spending the law has caused.

“Obamacare is increasing health spending as more people get insurance," Larry Levitt, senior vice president at the Kaiser Foundation and a close observer of the health care system, told The Huffington Post. "But it's also helping to push spending down by encouraging greater efficiencies. That second effect is looking like it might be bigger than the government bean counters expected when the health law passed.”

Of course, none of this means individual consumers are saving money in ways that they perceive clearly -- or that they particularly like. A smaller-than-expected premium increase, which is what the typical employee of a large company has experienced for the past few years, is still a premium increase. And while some people, mainly the newly insured, have far more financial protection from bills than they did previously, others have higher co-payments and deductibles -- which means they’re still paying a ton of money for doctors, hospitals and drugs if they get sick.

Lower health care costs can mean less pressure on government budgets and corporate ledgers, not to mention higher margins for insurance companies. Those should, in turn, mean lower taxes, higher wages and lower premiums for consumers. But those benefits can trickle down slowly and unevenly. And sometimes less spending leaves individuals or society as a whole worse off -- for example, if it ends up discouraging people from getting care they actually need.

Those are some of the reasons that assessing Obamacare's overall impact is going to take a very long time and quite a lot of argument. But at minimum, this latest paper is one more reason to think the law’s critics were wrong to predict it would have catastrophic effects on spending. It's also a reason to think Obamacare’s more sophisticated efforts at re-engineering medicine just might be working.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 21 hours ago.

Feds could take over Hawaii Health Connector if state does not fund it

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The Hawaii Health Connector, the state’s online health insurance marketplace, could transition to federal oversight if state lawmakers do not infuse it with millions of dollars this spring, sparking concerns about the future of Hawaii’s Prepaid Health Care Act and its current insurance benefits. In January, the federal government asked states with financially unstable health insurance marketplaces for contingency plans, in the event that a takeover is required. The Hawaii Health Connector has… Reported by bizjournals 20 hours ago.

The National Security Group, Inc. Declares Cash Dividend

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The National Security Group, Inc. Declares Cash Dividend ELBA, Ala.--(BUSINESS WIRE)--On April 10, 2015, the Board of Directors of The National Security Group, Inc. (NASDAQ:NSEC), declared a quarterly dividend of $0.04 per share. This cash dividend is payable on May 29, 2015, to shareholders of record May 4, 2015. The National Security Group, Inc. (NASDAQ Symbol: NSEC), through its property & casualty and life insurance subsidiaries, offers property, casualty, life, accident and health insurance in ten states. The Company writes primarily persona Reported by Business Wire 19 hours ago.

Rubio's Standing With Latino Voters

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*by Matt A. Barreto*

With Senator Marco Rubio's imminent announcement that he will run for the 2016 Republican Party nomination, at Latino Decisions we take a look at his standing with Latino voters since his rise to national prominence in his 2010 campaign for the U.S. Senate. Based on these trends, we find no evidence that Rubio will draw significant Latino support for his candidacy or for his party more generally.

*1. Net Negative with National Latino Electorate*. This past November we asked 4,200 Latinos who voted in the 2014 midterm elections whether they had a favorable or unfavorable view of Rubio. Nationally, only 31 percent had a favorable view (12 percent "very favorable", and 19 percent "somewhat favorable") while 36 percent hold an unfavorable opinion of the Senator (22 percent "very unfavorable", and 14 percent "somewhat unfavorable"), a net of -5. Should Rubio become his party's nominee, the campaign would need to engage in substantial Latino-specific outreach as we find that one-third of Latino voters had either never heard of Rubio (13 percent), or had no opinion (20 percent).

*2. Net Negative in Key Latino-influence States, Including Florida*. At the state level, the trend is not much different. In competitive states where Latinos comprise a significant share of the active and eligible electorate, Rubio's numbers remain in negative territory. In his home-state of Florida--where Latinos are a critical component to this famously competitive state--Rubio's favorables reach only 39 percent, compared to 42 percent unfavorable; a -3 net result. Similarly, his unfavorable share is just over 40 percent in North Carolina and Nevada--two states where Latino voters have played a decisive role in recent elections. Since nearly half of all Latino voters reside in Texas and California, it is important to consider Latino political behavior in these two states, regardless of the level of party competition. The large number of Latino voters in California and Texas means that Latinos can have an impact on the party primary. Rubio is at a net -11 in California, and flat in Texas (net zero with 31 percent favorable, 31 percent unfavorable). In both states, nearly 40 percent do not know of, or have no opinion of Rubio.

*3. Opposition to Immigration Executive Actions*. President Obama's executive actions on immigration (both DACA and DAPA, that were the result of years of Congressional inaction), have been met with overwhelming support from Latino voters of all political stripes. Senator Rubio has said it is time to "wind down" the DACA program, saying it was "wrong in the first place" and called DAPA a "horrifying precedent" that violates the constitution.

Senator Rubio's participation in the Senate "Gang of Eight" (that managed to pass a comprehensive immigration bill in the Senate only to see the House refuse to take it up for a vote) does not provide political cover on this issue because: 1) After the bill did not pass, his attention turned to "enforcement first" policy, and 2) his opposition to the temporary relief programs President Obama has advanced is problematic for a large number of Latinos who view immigration as a gateway issue.

Our research shows that Latino support for Rubio was largely contingent upon his immigration positions. If he took a leadership role in advancing comprehensive reform (as he did with the Gang of Eight), 54 percent of Latino voters said they were "likely" to vote for him in the next election (with 21 percent "very likely"). However, if Rubio focused on security/border control priorities (which does not address the status of the 11 million undocumented currently living in the U.S.) Latino support for Rubio dropped to only 29 percent--a substantial difference of 25 points.

*4. Latinos like Obamacare, Rubio Doesn't*. The majority of Latino voters supported the Affordable Healthcare Act (Obamacare), while nearly every elected Republican official vehemently opposed it. Rubio, like many in his party, touts his record of voting against the bill and later voting for its repeal. In 2012, our polling found that 61 percent of Latino voters wanted the law to be kept in place, only 25 percent wanted to see Obamacare repealed. Since the law went into effect, the uninsured rate among Latinos has dropped by 12.3 percent, and 4.1 million more Latinos now have health insurance. Support for the policy and associated policy provisions endures. We polled Latino voters in several states that have opted against Medicaid expansion that was made available to the states via the ACA. Over 70 percent of these voters want their states to implement Medicaid expansion; it is not a point of controversy with this electorate. Rubio's consistent record opposing the set of health care programs that fall under the Obamacare umbrella places him squarely against the preferences of most Latino voters in the United States.

*5. Hillary Clinton's Substantial Edge*. Comparing Hillary Clinton and Marco Rubio's favorability, there is no contest. Nationally, the gap is very wide where 64 percent of Latino voters view Clinton in a positive light, but only 31 percent have a favorable view of Rubio. She is viewed much more favorably in Latino-influence states as well, including Florida where she is +13 over Rubio.

Beyond candidate-centered favorablity estimates, 52 percent of Latino voters indicate they will likely vote for the Democratic candidate in 2016, only 20 percent plan to vote for the Republican nominee. Thus, Clinton is in a very comfortable starting position to build outreach and GOTV efforts with this constituency.

The data are consistent and clear: Senator Rubio is very far from topping 40 percent of the Latino vote that the Republican nominee will need to win in the general election.

*Matt A. Barreto is co-founder of the polling and research firm Latino Decisions, professor of Political Science at UCLA and co-author (with Gary Segura) of Latino America: How America's Dynamic Population is Poised to Transform the Politics of the Nation.*

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 18 hours ago.

Autism Health Insurance Legislation Gains Public Support

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North Carolina businesses and organizations that serve the autism community, including the Autism Society of North Carolina, publicly stated their support today for Senate Bill 676, legislation to bring autism insurance coverage to the state.

Raleigh, NC (PRWEB) April 10, 2015

North Carolina businesses and organizations that serve the autism community publicly stated their support today for Senate Bill 676, legislation to bring autism insurance coverage to the state. The bill, “Autism Health Insurance Coverage,” was introduced in the NC Senate on March 26 by Sens. Tom Apodaca and Joyce Krawiec, with 10 co-sponsors.

A group of North Carolina practitioners, family advocates, and payers worked together to propose a legislative solution for North Carolina to provide insurance coverage that would improve the lives of many children with Autism Spectrum Disorder and their families. The bill, SB676, embraces many of the concepts developed by this North Carolina coalition.

“Senator Apodaca’s leadership in introducing Senate Bill 676 is an important step to help the growing number of families affected by autism in our state,” said Tracey Sheriff, CEO of the Autism Society of North Carolina. “Our organization, numerous families, and many partners have worked to make autism insurance a reality in North Carolina for many years, and we are excited to see progress.”

The bill will deliver intensive interventions that will significantly improve functional outcomes for many affected children.

Highlights of the bill include:· Represents a balanced North Carolina-based solution developed by North Carolina organizations.
· Provides a clear definition of Adaptive Behavioral Treatment that is not limited to one type of therapy, but includes Applied Behavioral Analysis as well as other evidence-based interventions, including ones that were developed here in North Carolina by TEACCH.
· Provides access for children living across the entire state by supporting a range of professional disciplines to implement intensive interventions with necessary oversight.
· Balances concerns about providing quality treatment with a cost-effective model. Provides a benefit through age 18.

Background:· Autism Spectrum Disorder (ASD) is a lifelong developmental disability that typically appears during the first three years of life. As many as 1 in 58 children may be diagnosed with ASD in North Carolina, according to a prevalence study by the CDC of 8-year-old schoolchildren.
· For more than 45 years, the Autism Society of North Carolina has worked to address areas of need and expand services for the autism community in North Carolina. ASNC works to directly improve the lives of individuals affected by autism by providing advocacy, education, and services.
· For more information, call 1-800-442-2762 or visit http://www.autismsociety-nc.org. Reported by PRWeb 18 hours ago.

Missouri Health Care Navigator Law Pre-Empted, Court Rules

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Court rules federal law overrides some Missouri restrictions of health insurance navigators Reported by ABCNews.com 13 hours ago.

Missouri health care navigator law pre-empted, court rules

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An appeals court ruled Friday that Missouri can't limit health insurance navigators' ability to help people obtain insurance under President Barack Obama's health care law -- a ruling that advocates say could have implications for other states that have instituted similar restrictions. Reported by MyNorthwest.com 13 hours ago.

Focus on Therapeutic Outcomes, Inc. (FOTO) Partners with Health Insurance Payers to Manage Pay for Performance (P4P) Reimbursement Programs for Rehabilitation Providers

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Focus on Therapeutic Outcomes, Inc. (FOTO) Announces the Development of Two Partnerships with Health Insurance Payers to Manage a Pay for Performance (P4P) Reimbursement program for Rehabilitation Providers.

Knoxville, TN (PRWEB) April 10, 2015

The past several years has seen an increase in payer movement towards P4P and away from fee for service for Medical Care. This allows accomplishing the “Triple Aim of Healthcare” with measurable quality, exceptional patient experience and lower total cost of care. The rehabilitation segment of health care is uniquely positioned to respond to the “Triple Aim” trend because of the availability of widely accepted and accurate outcome measures. Outcomes measures are the basis for developing a reimbursement plan based on provider performance as measured to a national benchmark outcomes system. FOTO outcomes measurement process uses proprietary risk adjusted, benchmarked tools for measuring provider outcomes and reporting to the payer. The outcomes measured are efficiency, effectiveness and patient satisfaction.

FOTO has had experience in administrating P4P programs, starting with a 2006 report to CMS entitled, "Pay-for-Performance for Physical Therapy and Occupational Therapy: Medicare Part B Services” Payers currently using FOTO to help manage a P4P reimbursement system are HealthPartners in Minnesota and BCBS of Louisiana. In addition, FOTO is providing outcomes reporting to Michigan Blue Cross and Blue Shield in a pilot study for similar purposes.

“Blue Cross is a leader in teaming up with providers to determine the best ways to drive quality while saving on total costs of care,” said David Carmouche, M.D., Blue Cross Executive Vice President for External Operations and Chief Medical Officer. “With the Quality Blue PT/OT program, we are using an innovative approach to create value for a treatment that many of our members use.”

FOTO is used by all providers in the operational P4P programs. FOTO then manages the data and provides a report to the payer that is used to administer the incentive payment to the participating providers. The FOTO report provides a percentile ranking of the providers that places the providers in a payment category according to criteria established by the payer. The payer then uses the FOTO report to pay providers accordingly.

Al Amato, FOTO President, states “FOTO has been working with health care payers for the last 5 years in designing and supporting the move from fee from service to Pay for Performance for Rehab providers. FOTO outcomes are uniquely able to provide accurate measurement of change in patient function and report risk adjusted benchmarks necessary to administer a value purchasing program. We currently support two payers using FOTO in operational P4P programs, and are in a pilot stage with another. FOTO has the right product to provide a turn key process to ensure a smooth implementation of a P4P program for payers."

One of the important aspects of the program is the fact that FOTO is viewed as an independent provider of information. Both provider and Payer view the FOTO reports as unbiased and accurate. This allows both parties to accept the FOTO reports with greater assurance that the data is in no way compromised by one party or the other. FOTO reports are seen as a balanced display of information both parties can rely upon. In addition, both parties understand how the data is collected, reported and used in administration of the program. Program integrity is therefore enhanced and ensures acceptance by all concerned.

For more information, please contact: Al Amato, PT, MBA, President of FOTO (alamato(at)fotoinc(dot)com)

About FOTO
Focus on Therapeutic Outcomes, Inc. (FOTO) is a Knoxville, Tennessee-based corporation that has been continuously improving solutions that efficiently and reliably measure and report functional outcomes for the rehabilitation industry for over 20 years. FOTO’s Web-based solutions are risk-adjusted to enable fair and accurate measurement and predictions of the expected improvement in a patient’s functional status. Approximately 7 million patient surveys have been compiled in the FOTO database. Researchers have utilized FOTO data to publish more than 85 articles on functional outcomes in refereed medical journals. These publications have led the way in enhancing the science of measuring outcomes and the use of outcomes in payment methodologies. FOTO is considered the standard in measuring functional outcomes in rehabilitation. Visit our website at http://www.fotoinc.com.

About HealthPartners
Founded in 1957, HealthPartners serves more than 1.5 million medical and dental health plan members nationwide. It is the largest consumer-governed, non-profit health care organization in the nation and provides care, coverage, research and education to improve health and well-being in partnership with members, patients and the community. HealthPartners is the top-ranked commercial health plan in Minnesota and is also ranked among the top 30 plans in the nation, according to National Committee for Quality Assurance’s (NCQA) Health Insurance Plan Rankings 2014-15. For more information, visit http://www.healthpartners.com.

About Blue Cross and Blue Shield of Louisiana
Founded in New Orleans in 1934, Blue Cross and Blue Shield of Louisiana is a private, fully taxed mutual company, owned by policyholders — not shareholders. It is an independent licensee of the Blue Cross and Blue Shield Association and is governed by a Louisiana Board of Directors. The company and its subsidiaries provide group and individual health insurance plans, life and disability insurance, group voluntary products and administrative services to Louisiana residents. With headquarters in Baton Rouge and eight district offices around the state, Blue Cross and Blue Shield of Louisiana is committed to improving the lives of its customers by providing them with health guidance and affordable access to quality care. Learn more on the company’s website at http://www.bcbsla.com. Reported by PRWeb 13 hours ago.

Big Winners and Losers in Budget

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A budget is a moral document; it talks about where your values are. – Representative Rob Woodall (R-GA) discussing the House Budget Committee’s FY2016 Proposal

There can be no keener revelation of a society’s soul than the way in which it treats its children. — President Nelson MandelaIn the House and Senate budget proposals for fiscal year 2016, passed with only Republican votes at the end of March, there are big winners and big losers. The big winners are defense spending and contractors and very wealthy people and powerful special interests. The big losers are children, our poorest group in America, and struggling low- and middle-income families trying to stay afloat in our economy.

*Very big winners: Defense spending and contractors.* The House and Senate Republican budgets add $38 billion more in defense spending above the Pentagon’s request in fiscal year 2016. Instead of being up front and including it in the regular defense department budget, it was added to a catch-all war fund not subject to budget caps. This is a budget gimmick some conservatives have decried as deceptive and fiscally irresponsible. The $38 billion additional defense spending could provide 2.5 million subsidized jobs to poor families with children lifting 1.2 million children from poverty; *and* double the Head Start program, which serves only 40 percent of children who need it, for one year. The House Republican budget goes much further adding $387 billion in defense spending between 2017-2025. This amount could lift 60 percent of our children out of poverty for five years.

*Very big winners: Very wealthy people. *People making more than $1 million a year would get a $50,000 average tax cut from the repeal of the Affordable Care Act (ACA) and the Alternative Minimum Tax (AMT) in the House budget. The overall taxpayer loss would be more than $1 trillion in revenue over 10 years. The Senate budget includes a last-minute amendment to repeal the estate tax, which benefits only the wealthiest 0.2 percent of Americans with estates worth over $5.4 million for an individual or $10.9 million for a couple. An estimated 5,400 wealthy estates would save $2.5 million each with a taxpayer loss of $269 billion dollars between 2016-2025. This morally indefensible government giveaway for super rich people could provide housing subsidies for 10 years for 2.6 million poor and near-poor families with children struggling to find a place to live and reduce child poverty by 21 percent; *or* pay for the President’s $80 billion proposed investment for child care subsidies for all low-income children under 4 and $75 billion for quality preschool for low-income 4 year olds *and *extend through 2025 Earned Income Tax Credit and Child Tax Credit improvements that keep 1 million children out of poverty.

*Very big losers: Vulnerable children and low- and middle- income families. *Under the guise of balancing the budget and cutting the deficit, recklessly unjust massive cuts of more than $3 trillion over 10 years will undermine lifelines of stability and hope. The House and Senate Republican budgets will cut programs for those who need help most and increase government welfare for those who need help least.

*Very big losers:* *The millions benefiting from health coverage under the Affordable Care Act, Medicaid, and the Children’s Health Insurance Program (CHIP).* Both Republican budgets seek to repeal the Affordable Care Act, which prohibits discrimination against 129 million children and adults with pre-existing health conditions, helps over 5 million uninsured 18-26 year olds now covered under parental insurance plans, and extends coverage for some foster care youths to age 26. More than 10 million near poor adults in twenty-nine states and the District of Columbia will lose Medicaid coverage received under ACA. The House budget also proposes to block grant Medicaid, merge CHIP into it, and make deep cuts that will reverse the progress made in reducing the rate of uninsured children by almost half since the late 1990s.

*Very biggest losers: America’s future, dream and struggle to become a more just nation. *Dr. Martin Luther King, Jr. said at New York City’s Riverside Church on April 4, 1967 that “we as a nation must undergo a radical revolution of values . . . A true revolution of values will soon cause us to question the fairness and justice of many of our past and present policies . . . A true revolution of values will soon look uneasily on the glaring contrast of poverty and wealth . . . A nation that continues year after year to spend more money on military defense than on programs of social uplift is approaching spiritual death.” A year later—and 46 years ago this week—Dr. King was assassinated. At his death he was urgently calling for a Poor People’s Campaign to end poverty in the world’s largest economy. How disappointed he would be to see us continue to take from the poor to give to the rich, the rising and huge wealth and income inequality gaps, the bloated military budgets and 45 million poor Americans including 14.7 million poor children in our midst.

These Republican budgets do not meet the test of the gospels and the prophets or America’s professed commitment to being a fair nation. These morally repugnant budgets would move us backwards. I hope every American will break their silence and demand better fairer leadership from these leaders beginning with just treatment of the most vulnerable among us.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 8 hours ago.

Gap's tale of 2 brands shows how broke Americans really are

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Gap's tale of 2 brands shows how broke Americans really are A disparity between two brands owned by Gap Inc. shows that American consumers are feeling strapped for cash. 

The company's namesake Gap stores and its Old Navy brand target two different groups of consumers. Gap uses trendy ad campaigns to attract cool, trend-conscious shoppers. Old Navy sells to value-seeking families.

The brands' recent sales results show that Americans seem more concerned with saving money than being cool. 

Sales at Gap's namesake brand plummeted 7% in March, and  are down 14% from two years earlier, according to a recent report by Morgan Stanley. 

Meanwhile, the company's cheaper Old Navy label is thriving, with a sales increase of 14% in March, according to the same report. 

The company blames supply-chain issues and off-trend fashions for the decline at Gap stores. 

But the economy also seems like a likely factor.

Old Navy's prices are much lower than those at Gap or Banana Republic, the company's higher-end label. A pair of Gap men's jeans retails at $69.95, while the Old Navy version costs $29.94. 

American consumers are moving away from brand names in favor of value, a trend that is also hurting retailers like Macy's, JCPenney, and Target. 

Macy's CFO Karen Hoguet told analysts that consumers today have priorities other than clothing and housewares. 

"Shoppers are spending more of their disposable dollars on categories we don’t sell, like cars, healthcare, electronics and home improvement," Hoguet said in a recent call with investors. 

Macy's and Target have both reported disappointing sales recently. 

While lower gas prices means Americans theoretically have more disposable income, they aren't choosing to spend it on clothing at middle-market retailers, industry expert Robin Lewis writes on his blog. 

It's also possible that Americans have come to expect promotions on items like clothing, and would rather invest in other categories. 

"With coupons, discounts, loyalty points and gifts-with-purchase more the rule than the exception today, consumers are spending less because they can," Lewis writes. 

Many Americans are watching their spending despite lower gas prices, writes Lindsey Piegza, chief economist at Sterne Agee. 

"Consumers are increasingly familiar with energy price reprieve from summer gas prices and no longer adjust their long-term spending habits as much, or at all, based on short-term price fluctuations," Piegza writes. 

And while gas prices are lower, the benefit is offset by higher housing and utility costs, according to Piegza. 

Health insurance premiums have increased between 39% and 56% since early 2013, meaning additional costs of $230 per month for the average family. 

The lackluster job market is also contributing to poor sales at middle-market retailers, Piegza writes. 

"With uncertainty lingering and patience wearing thin after five-plus years of still lackluster wage growth, consumers are increasing saving for the future, hedging against a continuation of 'more of the same,'" Piegza said.

*SEE ALSO: It's official: Michael Kors isn't cool anymore*

*Follow Us: On Facebook*

Join the conversation about this story »

NOW WATCH: A lawyer in Florida has come up with an ingenious way for drivers to evade drunken-driving checkpoints Reported by Business Insider 2 hours ago.

Big Winners and Big Losers in the House and Senate Republican Budgets

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"A budget is a moral document; it talks about where your values are."– Representative Rob Woodall (R-GA) discussing the House Budget Committee’s FY2016 Proposal

"There can be no keener revelation of a society’s soul than the way in which it treats its children."— President Nelson MandelaIn the House and Senate budget proposals for fiscal year 2016, passed with only Republican votes at the end of March, there are big winners and big losers. The big winners are defense spending and contractors and very wealthy people and powerful special interests. The big losers are children, our poorest group in America, and struggling low- and middle-income families trying to stay afloat in our economy.

*Very big winners: Defense spending and contractors.* The House and Senate Republican budgets add $38 billion more in defense spending above the Pentagon’s request in fiscal year 2016. Instead of being up front and including it in the regular defense department budget, it was added to a catch-all war fund not subject to budget caps. This is a budget gimmick some conservatives have decried as deceptive and fiscally irresponsible. The $38 billion additional defense spending could provide 2.5 million subsidized jobs to poor families with children lifting 1.2 million children from poverty; *and* double the Head Start program, which serves only 40 percent of children who need it, for one year. The House Republican budget goes much further adding $387 billion in defense spending between 2017-2025. This amount could lift 60 percent of our children out of poverty for five years.

*Very big winners: Very wealthy people. *People making more than $1 million a year would get a $50,000 average tax cut from the repeal of the Affordable Care Act (ACA) and the Alternative Minimum Tax (AMT) in the House budget. The overall taxpayer loss would be more than $1 trillion in revenue over 10 years. The Senate budget includes a last-minute amendment to repeal the estate tax, which benefits only the wealthiest 0.2 percent of Americans with estates worth over $5.4 million for an individual or $10.9 million for a couple. An estimated 5,400 wealthy estates would save $2.5 million each with a taxpayer loss of $269 billion dollars between 2016-2025. This morally indefensible government giveaway for super rich people could provide housing subsidies for 10 years for 2.6 million poor and near-poor families with children struggling to find a place to live and reduce child poverty by 21 percent; *or* pay for the President’s $80 billion proposed investment for child care subsidies for all low-income children under 4 and $75 billion for quality preschool for low-income 4 year olds *and *extend through 2025 Earned Income Tax Credit and Child Tax Credit improvements that keep 1 million children out of poverty.

*Very big losers: Vulnerable children and low- and middle- income families. *Under the guise of balancing the budget and cutting the deficit, recklessly unjust massive cuts of more than $3 trillion over 10 years will undermine lifelines of stability and hope. The House and Senate Republican budgets will cut programs for those who need help most and increase government welfare for those who need help least.

*Very big losers:* *The millions benefiting from health coverage under the Affordable Care Act, Medicaid, and the Children’s Health Insurance Program (CHIP).* Both Republican budgets seek to repeal the Affordable Care Act, which prohibits discrimination against 129 million children and adults with pre-existing health conditions, helps over 5 million uninsured 18-26 year olds now covered under parental insurance plans, and extends coverage for some foster care youths to age 26. More than 10 million near poor adults in twenty-nine states and the District of Columbia will lose Medicaid coverage received under ACA. The House budget also proposes to block grant Medicaid, merge CHIP into it, and make deep cuts that will reverse the progress made in reducing the rate of uninsured children by almost half since the late 1990s.

*Very biggest losers: America’s future, dream and struggle to become a more just nation. *Dr. Martin Luther King, Jr. said at New York City’s Riverside Church on April 4, 1967 that “we as a nation must undergo a radical revolution of values . . . A true revolution of values will soon cause us to question the fairness and justice of many of our past and present policies . . . A true revolution of values will soon look uneasily on the glaring contrast of poverty and wealth . . . A nation that continues year after year to spend more money on military defense than on programs of social uplift is approaching spiritual death.” A year later—and 46 years ago this week—Dr. King was assassinated. At his death he was urgently calling for a Poor People’s Campaign to end poverty in the world’s largest economy. How disappointed he would be to see us continue to take from the poor to give to the rich, the rising and huge wealth and income inequality gaps, the bloated military budgets and 45 million poor Americans including 14.7 million poor children in our midst.

These Republican budgets do not meet the test of the gospels and the prophets or America’s professed commitment to being a fair nation. These morally repugnant budgets would move us backwards. I hope every American will break their silence and demand better fairer leadership from these leaders beginning with just treatment of the most vulnerable among us.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website. Reported by Huffington Post 21 hours ago.

The Best Stocks To Invest in Health Insurance

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One Motley Fool contributor offers up insight into the best health insurance stocks that investors can buy. Reported by Motley Fool 22 hours ago.

Olympic athletes’ health plan fails to meet Affordable Care Act rules

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It might seem like common sense that top U.S. Olympic athletes would have excellent health insurance to cover potentially serious injuries and illnesses.But it turns out that the health plan for about 900 elite athletes — provided through the U.S. Olympic Committee — fails to meet minimum requirements of the Affordable Care Act. Under the law’s individual mandate, almost all Americans are required to have insurance or face a penalty, which is due when their income taxes are paid. Reported by Washington Post 8 hours ago.

The Challenge Facing Hillary Clinton

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Hillary Clinton’s official announcement that she is running for President comes almost ten months to the day that she set out on a book tour to promote “Hard Choices,” a memoir of her four years as Secretary of State. Much has happened since that day, when supporters lined up for hours to get into the Barnes and Noble in Manhattan’s Union Square, where Clinton was signing copies, and some of it will work to her advantage.

With Elizabeth Warren’s refusal to jump into the Democratic primary, Clinton still lacks effective competition, whereas early indications that the Republican contest would turn into a slugfest have been confirmed, with at least half a dozen serious candidates entering, or preparing to enter, the race. In the past year or so, the U.S. economic situation has improved—job growth has picked up (with the exception of last month), and the number of people without health insurance has continued to fall as the effects of the Affordable Care Act have taken hold. Assuming Clinton wins the nomination, both of these things will make it easier for her to defend President Obama’s legacy, and to point to the potential folly, with things improving, of the economy coming under the tutelage of extremist Republicans. Reported by The New Yorker 15 hours ago.

Pharmacists bring their own fresh perspective to health care

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Steven Chen, a University of Southern California clinical pharmacy professor, runs this pilot initiative at 10 clinics belonging to AltaMed, a nonprofit clinic network that serves largely low-income populations in L.A. and Orange counties. In a health care system that often seems impersonal and intimidating, pharmacists can act as a much-needed sympathetic ear and source of advice, spending extra time with patients. Team-based medical care, in which multiple health care professionals work together to treat a patient, is a central feature of the Affordable Care Act. In the United States, between a third and a half of patients don’t take their medicines properly, which — along with poor prescribing and diagnoses — costs the health care industry as much as $290 billion a year, according to the New England Healthcare Institute. Many pharmacists taking part in the USC initiative — funded by a $12 million federal grant — also call insurance companies and drug manufacturers to make sure patients can get needed medications. Clinical pharmacists are part of a burgeoning number of recent medical interventions that aim to increase access to medical care. Because these innovations often take care out of the hands of doctors, many of them also help with the shortage of providers across the country that worsened with the expansion of health insurance under the Affordable Care Act. Reported by SFGate 14 hours ago.

Vitality Chiropractic & Wellness Now Open Seven Days A Week

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Vitality Chiropractic & Wellness, occupying an office space in the Central Midway building, is now open seven days a week. They are also holding their second patient appreciation event in April.

St Paul, MN (PRWEB) April 12, 2015

Vitality Chiropractic & Wellness provides patients with relief from uncomfortable symptoms of physical and chemical stress, including help with disease management and work with functional medicine and wholesome nutrition. Additionally, they work with chronic health conditions, auto-accidents and wellness care. They provide ultrasound therapy, structural and neurological adjustments, instrument assisted soft tissue mobilization, lumbar decompression therapy, lumbar flexion/distraction, taping, rehabilitation and organ analysis.

“For potential patients, Vitality can offer them a means to obtain an improved quality of life and prevent illness. The nervous system controls every function in our body and if one can remove interference between your brain and organs, you will function at your fullest capacity and experience every single minute of life,” says Dr. Shilpa S. Parikh.

Vitality Chiropractic & Wellness physicians, Dr. Anthony C. Heaverlo and Dr. Shilpa S. Parikh are State Licensed Chiropractic Doctors. They have been approved by the Minnesota Board of Chiropractic and the Minnesota Board of Chiropractic Examiners for the practice of physiotherapy. Dr. Heaverlo's clinical experience includes working in a hospital setting, private practice, and institutional clinics. Dr. Shilpa S. Parikh’s clinical experience includes working in a hospital setting, private practices, and institutional clinics among medical doctors, physical therapists, acupuncturists, massage therapists, and naturopathic physicians.

As primary care physicians, Vitality Chiropractic & Wellness offers the ability and training to diagnose, treat, refer for imaging and co-manage patient care either individually or with other health care providers.

Vitality Chiropractic & Wellness is also offering $14 adjustments to all tenants in JGM Properties’ Central Midway Building. The initial visit is a free 15 minute session to use as a baseline to determine if and how they can help.

Health insurance may be accepted but is not required; certain legal restrictions may apply. Vitality Chiropractic & Wellness is now open Saturdays and Sundays and online scheduling is available through their website or by calling 612-293-5529. Same-day appointments are available.

For more information:

Vitality Chiropractic & Wellness
393 N. Dunlap St, Suite 833
St Paul, MN 55104
612.293.5529

Monday-Friday 9am-6:30pm
Saturday & Sunday 9am-6:30pm

http://www.MyVitalityChiroandWellness.com
JGM Properties works with over 300 tenants, including Vitality Chiropractic & Wellness to provide office, warehouse, and retail space for lease in Minnesota. Founded in 1980, JGM Properties and owns and manages the Central Midway building, as well as 15 suburban Minneapolis warehouse, and office space properties. Reported by PRWeb 1 hour ago.
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