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2014 House Races Are Already Testing Obamacare As An Election Issue

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CLEARWATER, Fla. (AP) — The candidates are Alex Sink, Democrat, and David Jolly, Republican, but Obamacare is on the ballot in a big way in a competitive House race in Florida that offers a preview of the nationwide campaign for Congress this fall.

Republicans and their allies wouldn't have it any other way as they test the issue's potency, even though their candidate may muddle the message, and other issues like Social Security may command a bigger role in deciding the winner. "Seniors are losing their doctors because of Obamacare... but Alex Sink still supports Obamacare," read one Republican Party mailer in a congressional district where voters over age 60 may cast more than half the ballots.

Because of the health care law "300,000 Floridians will lose their current health plans, $700 billion (was) cut from Medicare for seniors and now nonpartisan government analysts say Obamacare will cost our economy up to 2.5 million jobs," says an ad paid for by the National Republican Congressional Committee. "Yet Alex Sink still supports it."

Sitting in a sparsely furnished room in her campaign office, Sink says of Republicans, "I guess they believe" it will work. "That's their signature issue in this election cycle."

Republicans don't quarrel with that assertion, which makes Sink something of a campaign pioneer — the Democratic candidate in the first race of 2014 to test her party's recommended response to Republican assaults on the health care overhaul that President Barack Obama and Democrats pushed through Congress four years ago.

"We can't go back to letting insurance companies do whatever they want," she says in a television commercial that's recently aired. "Instead of repealing the health law, we need to keep what's right and fix what's wrong."

Says the announcer of Jolly, "His plan would even require seniors to pay thousands more for prescription drugs."

No matter the winner, Democrats appear to have little chance to capture the 17 seats needed to win a House majority in November. Yet this race has drawn national attention also because Obamacare figures prominently already in races in the Senate, where enough seats appear competitive nine months before Election Day to give Republicans an opportunity at winning control.

The candidates took different paths to their March 11 matchup to serve out the term of the late Republican Rep. C.W. "Bill" Young, who died last fall.

Sink, 65, had a career in banking before she was elected the state's chief financial officer in 2006. A longtime resident of Tampa in next-door Hillsborough County, she is attacked by Republicans and their allies as a carpetbagger for moving over the county line into the district in preparation for the campaign.

Jolly, 41, was born in the congressional district. Yet he has long experience in Washington, first as an aide to Young, whom he features in his advertising and public remarks, and then as a lobbyist. Democrats seized on his lobbying work, saying he was retained by a special interest that wants to privatize Social Security.

The race to serve the balance of Young's term has attracted outside groups on the left and the right even though evidence is spotty at best that so-called special elections can predict which party will win a nationwide fall campaign.

Each one "has its own particularly unique and hyperlocal dynamics," said New York Rep. Steve Israel, who heads the House Democratic campaign organization.

And for all the attention paid to Obamacare, Republicans betray concern that Sink's persistent attacks linking Jolly to efforts to privatize Social Security are paying dividends.

The NRCC attacked Sink recently when she made a vaguely positive reference to a bipartisan 2010 deficit-cutting blueprint that proposed gradually raising the Social Security retirement age and slowing the growth in benefits, while also cutting Medicare.

Sink, who did not endorse the plan in her initial remarks, said in a statement: "I am opposed to any changes that would raise the retirement age, reduce the guaranteed Social Security benefit or privatize Social Security in any way."

The slice of Florida that is ground zero in the battle over Obamacare is anything but representative of America. In addition to the presence of tens of thousands of retirees, relatively few blacks or Hispanics live in the district and median income is several thousand dollars below the national average.

That combination might ordinarily tilt the district Republican. Yet while Young carried it with ease, Sink won it in a losing campaign for governor in 2010, and Obama carried it narrowly in 2008 and 2012.

Early voting by mail points to a close race. Throughout this past week, about 63,000 ballots had been returned, slightly more by Republicans than Democrats, with about 15 percent of the total cast by independents.

Nor is it clear what will motivate voters to side with one or the other contender.

Buddie Berger, 93, and a resident of The Palms of Largo, says she's for Sink because "Social Security should not be privatized."

Helen Eden, an even 100, says with a smile she is "not necessarily" going to vote the same way. A Mitt Romney supporter in 2012, she says she is worried about "mainly the budget and our president and how he is bankrupting our country."

The U.S. Chamber of Commerce, the Republican Congressional Committee and Jolly have invoked Obamacare in television commercials. "Cancelled health plans, higher premiums, Medicare cuts, people losing their doctors, a disaster for families and seniors," says the announcer in the Chamber of Commerce ad.

In one of his own campaign's ads, Jolly says, "I'm fighting to repeal Obamacare right away."

Private polling in both parties says that while the health care law is unpopular, outright repeal is trumped by a rebuttal like Sink's — that parts must be fixed, but simply eliminating it would empower the insurance industry.

In another ad, Jolly says, "Let's replace Obamacare," a position that is broadened on his campaign website. It says Obamacare "should be repealed now, and then Congress and the administration should begin to consider private sector solutions that address very specific problems in the health insurance industry." Reported by Huffington Post 20 hours ago.

Dem Rep Lawyers Up To Silence Anti-Obamacare Ad

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A Democratic senate candidate is trying to intimidate television stations into dropping an anti-Obamcare ad from Americans for Prosperity, a new tactic that critics warn has grave implications for free speech.

Attorneys for Representative Gary Peters (D-MI), who is running for U.S. Senate, sent a letter to the station manager of a Michigan TV outlet demanding that the station pull an anti-Obamacare political advertisement. The ad claims that a Michigan housewife with leukemia had her health insurance canceled because of Obamacare and that her “out-of-pocket costs are so high it’s unaffordable.”

The Washington D.C. law firm of Perkins Cole claims in the letter that the ad, entitled “Julies Story: It’s Time to Listen” sponsored by Americans for Prosperity (AFP), does not offer evidence that the Affordable Care Act rendered Julie Boonstra’s healthcare plan “generally unaffordable.” The letter support its withdrawal demand by citing the conclusion drawn by a Washington Post editorial “A Hard Hitting Anti Obamacare Makes a Claim That Doesn't Add Up.” The Washington Post piece contends that Ms Boonstra’s savings in reduced premiums alone will likely match her “maximum annual out-of-pocket expenses.”

The law firm included in the letter a reminder to the station that they have a “duty” to demand factual evidence from AFP. Moreover, unlike ads for federal candidates, political organizations do not have a “right  to command the use of broadcast facilities.” Furthermore, the letter points out that the station bears responsibility for the content of the ad when granting AFP access.

The letter warns that failure by the station to “prevent the airing of false and misleading advertising” can result in the station’s loss of license. Also, the attorneys requested that AFP provide evidence of the claims made in the advertisement.

In the ad, Ms Boonstra blames Obamacare for the loss of her healthcare insurance. Julie says that “she believed the President when he said that she could keep her healthcare.” Moreover,  Julie states in the AFP ad, that Congressman Peters” decision to vote for Obamacare,  “jeopardized” her health. Although, Julie has obtained Obamacare insurance with lower monthly premiums her out of pocket expenses may put her in a situation in which she will not be able to afford paying her doctors.

AFP-Michigan State Director Scott Hagerstrom issued the statement ripping the move by Peters.

“The fact that Representative Peters would sic his legal team on a Michigan mother battling cancer to muzzle her tells you everything you need to know about his record of putting politics over people,” he said.  

 
 
 
  Reported by Breitbart 19 hours ago.

Start Signing Up For The New Health Care Reforms With The Jordan Insurance Agency

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It's good news for the people of US that from now, they can get the benefit of new health care reforms being approved by President Obama.Charlotte, NC, USA - It's good news for the people of US that from now, they can get the benefit of new health care reforms being approved by President Obama. And you can get these benefits from The Jordan Insurance Agency, one of the leading insurance agent in Charlotte, from Jan 1, 2014 onwards.

With the new health care reforms, the below mentioned things would be followed in the insurance:
• Six months after enactment, insurance companies could no longer denying children's coverage based on a preexisting condition
• Starting in 2014, insurance companies cannot deny coverage to anyone with preexisting conditions.
• Insurance companies must allow children to stay on their parents' insurance plans until age 26th.

So, it's a great opportunity for all the people who were lagging behind and were confused to opt for health insurance for their family members. The Jordan Insurance Agency, one of the certified and licensed company in NC, SC, TN, will be following these health care reforms. The importance of signing up for health insurance and choosing a licensed agent is the best way to purchase insurance through the marketplace. The Jordan Insurance Agency is there to help people in many states such as NC, SC, TN.

The Jordan Insurance Agency is an insurance agency that works with all of the major insurance companies. They represent only top rated insurance companies and also guarantee that you will receive affordable health insurance in Charlotte, NC. Even if you are currently insured with another carrier, The Jordan Insurance Agency can help you to save money on your insurance by comparing your plans benefits and premium for a new policy.

The Jordan Insurance Agency always makes sure that they thoroughly understand the situation that you're in and suggest insurance that is best for your needs. They don't just sell insurance policies, they build relationships with their customers and provide the protection they require. By providing one-on-one service, they can better understand your specific demands, giving them the tools necessary to find the coverage that best fit your lifestyle, business, and mostly importantly, your budget. Contact them at thea@thejordaninsuranceagency.com or call at 704-926-7565.

About the Company: - The Jordan Insurance Agency, one of the leading insurance companies in Charlotte helps people that need insurance in Charlotte, NC and nearby areas. They offer you to find the most affordable insurance policies for Medical Insurance in North Carolina, Health Insurance, Life Insurance, Accident Medical Insurance, Dental Insurance, Vision Insurance, Medicare Supplemental Insurance NC. From over seven years they are assisting with their insurance service you need to match the policy of your needs, business and budget. Call them today at (704) 926-7565.

Contact us:-
Billy Jordan, Jr. President & CEO
billy@thejordaninsuranceagency.com
704-926-7565
13860 Ballantyne Corporate Place Suite 120 A
Charlotte, NC 28277

Company Contact Information
The Jordan Insurance Agency
Billy Jordan
13860 Ballantyne Corporate Place
Suite 120A
28277
704-926-7565

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

Edgy ads aim to sell health insurance to young people as March 31 coverage deadline looms

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Premiums from younger, healthier people help offset the costs of older, sicker beneficiaries in insurance pools. Insurers are tracking the demographics of their insurance pools closely, and some worry that - without enough young people - premiums will climb in the coming years. Reported by Freep 12 hours ago.

New Benefits Come With Obamacare

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People who buy individual health insurance policies are getting a set of no- or low-cost 'essential health benefits,' including flu shots, colonoscopies and mammograms. Reported by Wall Street Journal 13 hours ago.

Zane Benefits Publishes New Information on Health Reform for Nonprofits

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The Key ACA Provisions All Small Charitable Nonprofits Need to Know in 2014

Park City, Utah (PRWEB) February 23, 2014

Today, Zane Benefits, the #1 Online Health Benefits Solution, published new information on health reform for nonprofits.

According to Zane Benefits’ website, small charitable nonprofits (with fewer than 50 employees) are largely unaffected by health care reform. Yet, many small nonprofit Executive Directors, HR managers, and Board of Directors feel confused about the organization's requirements under health care reform.

Zane Benefits’ website provides answers to the most common questions about how health reform impacts nonprofit organization and employees. Common nonprofit questions include:· As a small nonprofit, do I have to offer employees health insurance?

· What new health insurance options do small nonprofits have?

· Do employees have to buy health insurance?

· How do the new individual health insurance discounts work?

· Are there new health benefits reporting requirements for small nonprofits?

Click here to read the full article.

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About Zane Benefits
Zane Benefits, the #1 Online Health Benefits Solution, was founded in 2006 to revolutionize the way employers provide employee health benefits in America. We empower employees to take control over their own healthcare, while helping employers recruit and retain the best talent. Our online solutions allow small and medium-sized businesses to successfully transition to a health benefits program that creates happier employees, reduces costs and frees up more time to serve their customers. For more information about ZaneHealth, visit http://www.zanebenefits.com. Reported by PRWeb 5 hours ago.

Women dominate health marketplace

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DAYTON, Ohio - Since the early days of the Affordable Care Act, insurers and others have worried that a disproportionate number of older, sicker Americans enrolling in the health insurance marketplaces would push up premiums for everyone to cover higher-than-expected medical costs. Reported by Journal Gazette 3 hours ago.

Priest on disability for his pedophilia still supported financially by MN archdiocese

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According to an article in the Star Tribune, the Archdiocese of St. Paul and Minneapolis continued to pay the salary and health insurance premiums — as well as provide living expenses — for a pedophile priest who was convicted on child sex abuse charges over 30 years ago. In 1983, the Reverend Gil Gustafson admitted to a Ramsey County District Court that he molested Brian Herrity for five years, beginning when the boy was 10 […] Reported by Raw Story 22 hours ago.

Maryland has achieved its health insurance enrollment goal, thanks to a research error

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For months, it looked like Maryland would barely meet, or even miss, the first enrollment goal for its new health insurance exchange. But it turns out the goal was based on flawed data, and the state’s new goal is one that it has already beat. Reported by Washington Post 19 hours ago.

How to Navigate Healthcare Options During Your Job Search

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Whether you’re a recent grad who’s never had to navigate the insurance conundrum before, or a parent with a family to cover, finding good health insurance –- not just a high salary –- is a big priority during your job search.

As a former health insurance exec and founder of Wellthie, a digital healthcare startup, I’m well acquainted with the importance (and high price) of insurance. The average cost of a single person’s premium for employer-sponsored insurance is $490 per month, or $5,884 per year. (The average for families is $1,363 per month, or $16,351 annually.)

Employees pay 18% of the cost of single coverage and 29% of the cost of family coverage, on average, so finding an employer to cover the rest of the premium is huge. Read more...

More about Job Search Series, Business, and Jobs Reported by Mashable 18 hours ago.

Governors: Obamacare Is Here To Stay

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WASHINGTON (AP) — The explosive politics of health care have divided the nation, but America's governors, Republicans and Democrats alike, suggest that President Barack Obama's health care overhaul is here to stay.

While governors from Connecticut to Louisiana sparred on Sunday over how best to improve the nation's economy, governors of both parties shared a far more pragmatic outlook on the controversial program known as "Obamacare" as millions of their constituents begin to be covered. "We're just trying to make the best of a bad situation," Republican Gov. Terry Branstad, of Iowa, who calls the health care law "unaffordable and unsustainable," yet something he has to implement by law. "We're trying to make it work as best we can for the people of Iowa."

As governors gathered in Washington this weekend, Democratic governors such as Maryland's Martin O'Malley and Connecticut's Dannel Malloy made pitches to raise the minimum wage, while Republican governors such as Louisiana's Bobby Jindal and Indiana's Mike Pence called for more freedom from federal regulations, particularly those related to the health insurance overhaul. But governors from both parties report that a full repeal of the law would be complicated at best, if not impossible, as states move forward with implementation and begin covering millions of people — both by expanding Medicaid rolls for lower-income resident or through state or federal exchanges that offer federal subsidies to those who qualify.

Republican opposition to the law is the centerpiece of the GOP's political strategy ahead of the midterm elections. And to be sure, not every GOP leader embraced the inevitability of the law's implementation.

"I don't think that it's so deeply entrenched that it can't be repealed," Louisiana Gov. Bobby Jindal said. "But I do think, as we argue for repeal, we have to show folks what you replace it with."

Despite a troubled rollout, nearly 3.3 million people have signed up through Feb. 1 for health care coverage under the law. The White House reported that 1 million people signed up nationwide for private insurance under the law in January alone. It remains unclear that the administration will reach its unofficial goal of 7 million people by the end of March, but it still expects several million enrollees by then.

A recent Associated Press analysis of the sign-ups found that six Republican-led states — Florida, Idaho, Maine, Michigan, North Carolina, and Wisconsin — were on pace or better than the states had initially projected.

Michigan Gov. Rick Snyder is among several Republican governors who expanded their state's Medicaid laws under the law.

"The whole dialogue on the Affordable Care Act is about people fighting, causing gridlock and a mess, instead of working on something important like wellness," Snyder said, adding that he still has "a lot of issues" with the overhaul. "But it is the law, so I'm trying to work in that context."

Vermont Gov. Peter Shumlin, who leads the Democratic Governors Association, said governors spent about half of their private lunch session on Saturday discussing the health care law and the tone was much different than in past years.

"Before the election, it felt like a cock fight," Shumlin said, describing the debate over the law during the 2012 campaign. "Down there we were talking about ways to we could cooperate."

"There's no doubt in my mind that the Republicans have accepted that as millions of people sign up for it and finally get the health care they have been dreaming of for their families, nobody's going to take that away," he said.

Yet Republican governors here described circumstances that would hardly befit a dream.

Democrats and Republicans alike complained about major problems with the Medicaid eligibility data that they are receiving from federal exchanges. The 36 states in the federal exchange have noted often incomplete data with the Medicaid information they are receiving.

Pennsylvania Gov. Tom Corbett, a Republican who is among his party's most vulnerable incumbents in the fall election, said he's working to expand his state's Medicaid program, but the process had been cumbersome and difficult. He said it still remained unclear, from a fiscal standpoint, if the health care law would be functioning in two years.

"There are a lot more unknowns than there are knowns," Corbett said.

Oklahoma Gov. Mary Fallin, a Republican, said many governors still have concerns about the program, but that outright repeal would be "complicated."

Republican campaign officials, meanwhile, plan to make the health care law the overwhelming focus of the coming midterm elections.

From coast to coast, conservatives are attacking Democrats who supported the overhaul, seizing on problems with the program's website and news that some Americans were forced to change insurers once the law took effect. The conservative group, Americans For Prosperity, has spent more than $20 million on anti-Obamacare television ads in several key states since last August.

The stakes are high for parties battling over control of the House and Senate, while there are also 36 elections for governor, most of them for governors mansions currently held by Republicans. The coming elections also offer prospective 2016 presidential candidates an opportunity to boost their political standing.

Leading GOP figures in the Senate like Ted Cruz of Texas and Marco Rubio of Florida have been vocal critics of the health care law. Cruz mounted a 21-hour Senate speech against Obama's health law and was tied to the partial government shutdown while Rubio was an early proponent of defunding the health law although he distanced himself from the shutdown.

New Hampshire Gov. Maggie Hassan, a first-term Democrat up for re-election in November, said her state would soon expand its Medicaid program to cover 50,000 uninsured residents.

"Overall, I'm very disappointed with the early implementation and rollout," she said. "But I think we are making progress." Reported by Huffington Post 18 hours ago.

Compensation & Benefits Planning Services Procurement Category Market Research Report Now Available from IBISWorld

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Demand for compensation and benefits planning services has remained strong over the past three years as companies across nearly all sectors have sought ways to strategically implement HR management practices; this trend has led to increasing prices for buyers. To help procurement professionals make better buying decisions faster, business intelligence firm IBISWorld has added a report on the procurement of Compensation & Benefits Planning Services to its growing collection of procurement category market research reports.

Los Angeles, CA (PRWEB) February 23, 2014

Compensation and benefits planning services have a buyer power score of 3.4 out of 5. This score reflects moderate negotiating strength for buyers. Companies continue to require assistance in developing pay levels and rewards that not only provide sustainable cost structures, but also attract and retain high-quality employees. Demand for compensation and benefits planning services have remained strong over the past three years as companies across nearly all sectors have sought ways to strategically implement HR management practices. “Sustained demand, coupled with rising corporate profit levels, an increasing number of businesses and expanding employment, is expected to drive prices even higher in the three years to 2016,” says IBISWorld procurement analyst Andrew Rebhan. Despite increases in pricing, buyers have faced little risk of price fluctuations, reducing the risk associated with drastic price shifts.

Buyers currently face a moderate level of market share concentration, and with continued consolidation efforts occurring among vendors, buyers may have fewer vendors to choose from as the market evolves. Major vendors operating in the market include Automatic Data Processing Inc. and Marsh & McLennan Companies Inc. “Larger vendors that run diverse consulting operations have started to incorporate compensation and benefits planning services as a means to bolster their consulting portfolios and take advantage of growing market demand,” adds Rebhan. The intensity of competition among vendors remains high; however, which allows buyers to potentially leverage offers and obtain more favorable pricing.

Compensation and benefits planning is a crucial process for business owners, and it often requires the assistance of knowledgeable consultants who can develop custom solutions to align pay and benefits programs with company goals. Although this business necessity shifts some of the negotiation power toward suppliers, buyers will still benefit from other purchasing factors, such as the low total cost of ownership, low supply chain risk and moderate amount of substitute services. For more information, visit IBISWorld’s Compensation & Benefits Planning Services procurement category market research report page.

Follow IBISWorld on Twitter: https://twitter.com/#!/IBISWorld.

Friend IBISWorld on Facebook: http://www.facebook.com/pages/IBISWorld/121347533189.

IBISWorld Procurement Report Key Topics

This report is intended to assist buyers of compensation and benefits planning services. Companies that offer these services to buyers provide their own consultants to assist with the planning, communication and implementation of staff benefits programs and compensation systems. Benefits planning may include evaluating a firm’s retirement plans, health insurance, vacation pay and employee stock options. Compensation planning refers to the development of a firm’s wage or salary programs and structures. Suppliers generally furnish their management services on a contracted basis, assisting with short-term projects or consulting on an ongoing basis.

Executive Summary
Pricing Environment
Price Fundamentals
Benchmark Price
Pricing Model
Price Drivers
Recent Price Trend
Price Forecast
Product Characteristics
Product Life Cycle
Total Cost of Ownership
Product Specialization
Substitute Goods
Regulation
Quality Control
Supply Chain & Vendors
Supply Chain Dynamics
Supply Chain Risk
Imports
Competitive Environment
Market Share Concentration
Vendor Financial Benchmarks
Switching Costs
Purchasing Process
Buying Basics
Buying Lead Time
Selection Process
Key RFP Elements
Negotiation Questions
Buyer Power Factors
Key Statistics

About IBISWorld Inc.

IBISWorld is one of the world's leading publishers of business intelligence, specializing in Industry research and Procurement research. Since 1971, IBISWorld has provided thoroughly researched, accurate and current business information. With an extensive online portfolio, valued for its depth and scope, IBISWorld’s procurement research reports equip clients with the insight necessary to make better purchasing decisions, faster. Headquartered in Los Angeles, IBISWorld Procurement serves a range of business, professional service and government organizations through more than 10 locations worldwide. For more information, visit http://www.ibisworld.com or call 1-800-330-3772. Reported by PRWeb 14 hours ago.

Former Priest Gets Paid Disability for His Pedophilia

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Former Priest Gets Paid Disability for His Pedophilia Former Priest Gets Paid Disability for His Pedophilia
Religion
Weird News
Priest Gets Paid Disability

The Archdiocese of St. Paul and Minneapolis reportedly pays the salary, health insurance premiums and living expenses for Reverend Gil Gustafson who was convicted for child sex abuse back in 1983.

According to the Star Tribune, in addition to all these payments by the church, Rev. Gustafson is also paid disability by the state.

The church says that in July 2006 Rev. Gustafson was declared “disabled” based on his pedophilia. He collects disability checks on top of his salary from the church as a "consultant."

After Rev. Gustafson admitted he molested Brian Herrity for five years, he was fined $40 and sentenced to six months in jail as well as 10 years of probation in 1983.

However, Rev. Gustafso only spent a few months in jail and was then released to the Catholic Church.

Meanwhile, his victim (Herrity) began a “path of destruction” that included drug abuse and promiscuity, which ended in his death from AIDS at age 28, in 1995.

Herrity's father said he met with Reverend Kevin McDonough to ask for financial help for his son's medical bills and hospice care, but Herrity's father said Rev. McDonough “gave me a list of public social workers.”

Rev. McDonough had far more compassion for Rev. Gustafso, especially after a letter from Archbishop John Roach in 1990.

“I want [Rev. Gustafso] back in a parish,” Archbishop Roach wrote to Rev. McDonough. “He has received and complied with far more treatment than anyone else, and it seems to me he has done it well.”

Reverend Gustafso was given a job to hold mass at a Bloomington monastery for cloistered nuns until 2002, which was when Catholic Church finally adopted a "zero-tolerance policy" for child-molesting priests.

Rev. Gustafson also worked at the Pax Christi Church in Eden Prairie and at the University of St. Thomas, where he was on a panel with a sex abuse victim.

In 2000, Rev. Gustafson was accused of molesting a young girl for five years, beginning in 1977. The girl sued in 2002 and was paid a settlement in 2005, reports BishopAccountability.org.

In 2009, Rev. Gustafso got a job as a “leadership consultant” at the Cristo Rey Jesuit High School.

Rev. David Haschika, the president of the school, knew about Rev. Gustafson’s sex crimes, but added, “As far as I knew, Mr. Gustafson had done everything he could do to straighten out his life and become a good citizen.”

Sources: Star Tribune and BishopAccountability.org

1 Reported by Opposing Views 12 hours ago.

NAIRO Provides Healthcare Consumers With a Roadmap to the External Review Process Available Within the Health Insurance Marketplace

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NAIRO announces the release of a new Issue Brief that clarifies external review options for consumers’ general understanding.

Portland, OR (PRWEB) February 24, 2014

Intending to provide consumers with education about the government-backed Health Insurance Marketplace, the National Association of Independent Review Organizations (NAIRO) announces the release of a new Issue Brief that informs general consumers on their rights and rules of the various external appeals process available under Marketplace programs.

The Issue Brief, “A Consumer’s Guide to Navigating the External Review Options Under the New Health Insurance Marketplace,” gives consumers an in-depth introduction to the external appeals process; provides background information on the role of independent review organizations (IROs); and covers the rules and regulations governing external appeals as they pertain to various insurance plans available within the federal and state insurance marketplaces.

“Consumers have a lot of questions about the Health Insurance Marketplace,” said Gib Smith, Executive Director of NAIRO. “With the release of this Issue Brief, we are giving consumers practical information that is vital to the understanding of their rights and consumer protections related to adverse benefit determinations and external appeals in the health insurance industry.”

External appeals are a fundamental consumer protection process, allowing consumers to pursue an independent, third-party review of a coverage decision in the event that their insurance provider decides to forego coverage of a specific healthcare service (such as an elective surgery or other treatment option).

The new Issue Brief is closely related to a recent Issue Brief published by NAIRO. That Issue Brief, titled “External Review Options Available Under the Federal Facilitated and State Marketplaces,” discusses the elements of federal external review options from a health plan’s perspective.

As background, when using Marketplace-related healthcare services, a consumer may have a claim denied, which means that a particular healthcare service is either not medically necessary or not covered by the consumer’s health insurance plan. At this point, the consumer has the option to file an appeal. After exhausting the health carrier’s internal appeals process, the appeal moves to external review. As required by law, external review is conducted by independent review organizations (IROs), which serve an essential function by guaranteeing expert, unbiased medical review of appealed claims.

With the Marketplaces expanding health coverage to millions of Americans, and offering an entirely new platform for providing and obtaining health insurance coverage, many questions about important regulations have gone unanswered. NAIRO’s Issue Brief seeks to answer the general consumer’s questions about external appeals in this new insurance environment.

Under the Affordable Care Act (ACA), certain health plans must use IROs that are accredited by URAC or a similar nationally-recognized accrediting organization to manage their respective ACA Federal External Review Processes. Within the healthcare industry, IRO accreditation is considered the gold standard for the companies providing external review services. Regardless of the venue, stakeholders within healthcare can utilize accredited IROs for internal and external appeals to ensure consistency, objectivity and accuracy when seeking medical review determinations.

The full Issue Brief is available here: http://www.nairo.org/news.php.

About NAIRO
NAIRO (The National Association of Independent Review Organizations) was formed by the majority of URAC-accredited IROs. The mission of NAIRO is to promote the quality and integrity of the independent review process at the internal and external levels. Utilizing the expertise of board-certified clinicians throughout the country, NAIRO members embrace an evidence-based approach to independent medical peer review, in order to help resolve coverage disputes between enrollees and their health plans. More information can be found at http://www.nairo.org. Reported by PRWeb 9 hours ago.

Close to 90% of Plastic Surgeons Worry About How Obamacare Will Affect the Specialty

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More than 88% of aesthetic doctors are concerned about how the Affordable Care Act will affect the practice of plastic surgery, and up to one-third may retire early as a result of these changes, according to a new online poll conducted by Plastic Surgery Practice.

New York, New York (PRWEB) February 24, 2014

More than 88% of aesthetic doctors are concerned about how the Affordable Care Act will affect the practice of plastic surgery, and up to one-third may retire early as a result of these changes, according to a new online poll conducted by Plastic Surgery Practice.

Most respondents were worried that reimbursement rates would be reduced so dramatically that they would have trouble paying their own bills as a result. There was also concern that there would be an influx of nonqualified practitioners providing aesthetic procedures at cut rates to increase their revenue stream, which could compromise patient safety.

The new results were released during a Plastic Surgery Practice webinar held on February 24, 2014.

The Patient Protection and Affordable Care Act (PPACA) is commonly referred to as Obamacare, health care reform, or the Affordable Care Act (ACA). It was signed into law to reform the health care industry by President Barack Obama on March 23, 2010, and was upheld by the US Supreme Court on June 28, 2012. Its rollout has been fraught with hiccups, but several key provisions have already been enacted with more to come through 2022. The intentions of the law are to provide affordable health care for all Americans while reducing overall health care costs, but there have been, and likely will continue to be, some unintended consequences.

The poll also found that there is a growing fear of technology, which is part and parcel of health care reform. To receive Medicare and Medicaid payments, a physician must demonstrate “meaningful use” of an electronic medical record system. While close to 45% have already transitioned from paper charts to computerized systems, more than 40% have not, the survey showed. Of these, 80.5% have no plans of investing in an EMR system largely because of cost and concerns about privacy.

The survey was sent to plastic and reconstructive surgeons, facial plastic surgeons, dentists, oral and maxillofacial surgeons, dermatologists, dermatologic surgeons, cosmetic surgeons, and oculoplastic surgeons who subscribe to Plastic Surgery Practice magazine.

Fully 70.3% of respondents are board-certified plastic surgeons, and about 9% are facial plastic surgeons. Overall, slightly more than 67% of respondents perform both reconstructive and cosmetic procedures, and 65% take both private insurance and Medicare. Close to 45% of practices that take insurance do not plan to work with carriers on the health care exchanges (the state or federal-run online health insurance marketplaces).

About the Poll
The online poll was conducted via Survey Monkey in January 2014. There were 101 respondents in total.

The webinar can be viewed at http://www.plasticsurgerypractice.com/webinar-affordable-care-act.

For more information about the new poll or to speak with the PSP editor or a member of our advisory board about the results, please contact:

Press Contact:

Amy Di Leo
Associate Editor
adileo(at)allied360(dot)com
(516) 987-8491 Reported by PRWeb 10 hours ago.

LongIslandObamacare.com: New Site and Upcoming Seminars to Help Long Islanders Navigate Healthcare Roll Out Issues, Offer Solutions

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Long Island Based Insurance Agency Represents and has Counseled Hundreds of Businesses and Individuals on Topic, Licensed Expert and Social Activist Available for Comment

New York, NY (PRWEB) February 24, 2014

LongIslandObamacare.com is the new informational, fact based, non partisan site for Long Islanders trying to navigate through the new world order of heath insurance, created by local experts in the field. Jason Samel, Founder and spokesperson of LongIslandObamacare.com and Owner/Executive Vice President of JayMar Insurance Agency will be offering solutions and comments on the subject through an exclusive free seminar series, available to any group who is looking for a fact based education on all things the Affordable Care Act/Obamacare, happening through the New York City and Long island areas through 2014.

Their first event open to the public is this Monday February 24 at Hub Billiards and Concert Hall 4060 Austin Blvd, Island Park, NY 11558 AT 7:30 PM. https://www.facebook.com/events/264993326998739/

There will then be a seminar geared towards the Hispanic Community on Thursday March 6, 2014 at 7:30 PM at the Glen Cove Youth Bureau, 128B Glen St Glen Cove, NY 11542 (PARK AND ENTER IN REAR OF BLDG)
https://www.facebook.com/events/541570039290132/

The founders of LongIslandObamacare.com have served hundreds of individuals and Small Business's over the past 3 years on all things the Affordable Care Act. Jason Samel, and his company JayMar Insurance Agency have successfully overcome the countless issues that continue to arise from the state and the Insurance Carriers, and aims to bring that knowledge to you.

Jason, who is also a social and environmental activist remarked, “Unfortunately our government, as well as the insurance carriers completely dropped the ball, not only on the technical roll out of Obamacare but even more importantly on educating the public on all things necessary for consumers and business owners to make informed decisions on their healthcare. LongIslandObamacare.com intends to do everything in our power to fight this major issue for our communities by giving free educational seminars. We operate on the tenancy that the best way to create a better society around you is by giving them knowledge, as knowledge and education throughout history has proven to be the strongest tool to create strong and meaningful positive social change. "

What makes Mr Samel a uniquely qualified expert on the subject of Heathcare reform? Since starting their agency over 3 years ago, and with 48 years of combined experience in the insurance field Jason and his partner and father Mark Samel have made their primary focus to know all things about the ever changing rules of the Affordable Care Act. Jason is licensed to sell Life and Health products, Property and Casualty insurance, and additionally is certified by New York State to sell insurance products in both the Individual Marketplace, and SHOP Exchange for Small Business’s on the New York State Of Health, New York’s Online Health Insurance Exchange.

Mr Samel continued, "To make matters more confusing for the consumer each media source puts their own slant on the facts, leaving our communities riddled with confusion.This is why we developed our 100% free seminar series for Long Islanders and beyond. LongIslandObamacare.com cuts through the BS that everyone hears about the act, we don't get political and we only speak on facts".

For more information, or interviews with Jason Samel, founder and president of LongIslandObamacare.com, please contact Rick Eberle at 516-729-6872 or email rickeberle(at)gmail(dot)com. Reported by PRWeb 10 hours ago.

Concierge Medicine Today Releases 2014 Educational Guide, The Patient's Guide to Concierge Medicine

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New book by Editor, Michael Tetreault of Concierge Medicine Today explains the cost of a concierge doctor, how they work with insurance, FAQs and the 41 questions everyone should ask a concierge doctor.

Atlanta, GA (PRWEB) February 24, 2014

There is an estimated 5,500 concierge practices nationwide according to author and editor, Michael Tetreault of Concierge Medicine Today. And, about two-thirds of these doctors charge less than $135 a month. In a new book, “The Patients Guide To Concierge Medicine,” by Concierge Medicine Today, explains in detail why these practices are so popular and how affordable they really are. This a comprehensive resource and introductory guide for anyone wanting to learn more about concierge medicine, direct primary care and cash-only medical clinics from a consumer/patient perspective. The 2014 Edition offers a comprehensive list of services and information, an easy-to-read Q and A format, the 41 questions you should ask a concierge doctor and the resource everyone can use to locate a doctor.

Released by Concierge Medicine Today, the private-pay medical industry’s oldest news and information trade journal, Atlanta-based healthcare writers, Michael Tetreault and Catherine Sykes have released the 2014 Edition that addresses important healthcare topics such as: The Cost of Concierge Medicine; What Is Direct Primary Care; Services Offered; Pro’s and Con’s; How does concierge medicine work with Insurance; Health Benefits; Research and Data; What To Expect; and more.

“The field of concierge medicine and direct primary care is still relatively young but the ideology pre-dates the telephone and even the Andy Griffith era medicine … whereby a doctor comes to your aid, day or night, there’s no-copay, deductible or appointment required,” says Michael Tetreault, Editor of Concierge Medicine Today. “Concierge Medicine physicians and direct-pay doctors stand in the gap for you. They’re reducing hospitalizations significantly, compatible with nearly every insurance plan in America and people are saving more money on their healthcare costs each year. We see the growth rate of doctors entering this type of practice in the coming years being around 7%-15% per year due to low insurance reimbursements, the Medicare fee schedule and the impact of the Affordable Care Act (ACA) on doctors offices. More people are enrolling in high-deductible health insurance plans that cover major, unforeseen events, leaving the everyday expenses to the consumer–just like auto and homeowners’ insurance.”

People typically choose a doctor based on a personal recommendation of a trusted friend or relative. The Patients Guide To Concierge Medicine is available to help patients decide for themselves if this model of healthcare meets their needs. Regardless of what they might have heard or already know, this publication can help guide them through the decision-making process of choosing their next doctor.

“This book will educate healthcare consumers about the benefits, value and cost and help them to understand the role and responsibilities of a concierge doctor,” adds Catherine Sykes, co-author. “It gives people the tools and information they need to make an informed decision and find a doctor in order to get the best results. The Affordable Care Act will enable self-employed and self-insured individuals and companies to move their coverage to these doctors in a faster, more timely manner. With the introduction of mandated health insurance coverage, long lines at the doctor’s office and the uncertainty of keeping their physician, choosing a concierge doctor or direct-pay physician is a real, affordable and simple option for the families, companies and individuals who will be looking. This book is the first step to understanding this new form of healthcare.”

“The Patients Guide To Concierge Medicine” is available for sale now for $9.95 at Amazon.com, Barnes and Noble and on Kindle eReaders. For more information or to order a copy, visit http://www.ConciergeMedicineToday.com.

To Find A Concierge Doctor

Visit: http://www.ConciergeMedicineToday.com or http://www.DirectPrimaryCare.com.

About The Authors

Catherine Sykes serves as the Publisher and Managing Director of Concierge Medicine Today, an online news agency serving all sectors interested in this emerging healthcare industry. Ms. Sykes is a healthcare and marketing professional bringing over thirty years of experience in healthcare marketing, healthcare product and operations development, network development and management to clients and businesses for which she serves. She has consulted with and served as an adviser to national and state associations, corporations, non-profits, government advisory committees and other consultancies.

Michael Tetreault serves as the Editor-in-Chief of Concierge Medicine Today. Mr. Tetreault has over 14 years of experience as a brand advocate, marketing, public relations, sales and brand manager. As Editor-in-Chief, Mr. Tetreault oversees all multimedia news stories and reporting activities for the international publication. He is considered an expert in the fields of concierge medicine as well as social media marketing/pr, speaking and authoring books and ebooks such as Branding Concierge Medicine, The Marketing MD and others.

About Concierge Medicine Today

Concierge Medicine Today (CMT), is a news organization and the industry’s oldest national trade publication for the direct primary care and concierge medicine marketplace. Their web site is the online destination for businesses, consumers, physicians, legislators, researchers and other stakeholders to learn about the history of this industry, various business aspects of the marketplace, trends, breaking news and more that drives the conversation that concierge medicine and direct primary care is creating on a national and international level. For more information, visit: http://www.ConciergeMedicineToday.com or http://www.DirectPrimaryCare.com. Reported by PRWeb 10 hours ago.

The Top Tax Benefits of Being Self-Employed

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Cruise Planners-American Express Travel provides the top tips for owing your own business or work-from-home franchise

Coral Springs, FL (PRWEB) February 24, 2014

As one of the top franchises to own, Cruise Planners - American Express Travel, the nation’s largest home-based travel agent franchise network in the travel industry, is providing entrepreneurs with a list of tax benefits of being self-employed.

“The main thing to consider is reducing taxable income by claiming legitimate taxable deductions and business expenses,” said Cruise Planners CFO Tom Kruszewski. “When someone owns a franchise, they are their own boss, can work from home and gain financial independence and their tax benefits should reflect that.”

Since Tax Season officially started on January 31st, Kruszewski offers the following tips and common tax deductions for self-employed people who are filing their taxes or those who are exploring the benefits of being their own boss.·     Franchise Business Investment: When investing in a franchise the initial franchise fee is placed on the books as a business asset and is then amortized over time for tax purposes.

·     Home Office: Any workspace in the home that is the primary business location and one exclusively used for business can be deducted as a home office expense. Most Cruise Planners agents work from home and the expense is the percent of the home used exclusively for business multiplied by certain home expenses including mortgage/rent, electricity, etc.

·     Health Insurance Premiums: Nearly everyone who is self-employed, pays for their own health insurance premiums, and were not eligible to participate in a plan through their spouse's employer, can deduct their health, dental and long-term care insurance premiums.

·     Meals and Entertainment: Meals and entertainment are 50% deductible and include tickets to a sporting event, the cost of a meal with a perspective new travel client (with beverages, tax and tip), or the cost of a game of golf. Be sure to keep meticulous records of the business activities conducted as well as when, with whom, and how it directly relates to the entertainment expense. Keep all business-related receipts.

·     Travel: For travel agents, all overnight travel for business purposes could be tax deductible as long as there is a specific business purpose planned. Examples include meeting with a resort’s sales team, attending a Seminar at Sea to learn about a new cruise ship, or attending Cruise Planners regional trainings to learn about selling to clients.

·     Travel Trade Publications and Organizations: The cost of specialized travel magazines and travel books as well as professional affiliations such as with Cruise Lines International Association, National Association of Career Travel Agents, etc. that are directly related to business matters are tax deductible.

·     Internet and Phone: Being a Cruise Planners franchisee requires a lot of relationship building, which may be over the phone or online. Regardless of whether the home office deduction is claimed, business owners can deduct a second telephone line, fax and internet expenses used exclusively for the business. It is also a good idea to work with an accountant to confirm what percent of each bill can be claimed for business and what percent is for personal use.

·     Interest on Business Credit Card: When it comes to making business purchases on a business credit card and incurring interest, this credit card interest is tax deductible. While it is not ideal to incur interest, this is a tax deduction.

·     Car and Mileage: When a personal car is used for local business trips such as meeting a client for lunch or a cup of coffee, the vehicle expenses for those trips are tax deductible. The easiest way is to keep excellent records and deduct the standard mileage rate which is currently $.56 per mile.

Regardless of individual deductions be sure to keep complete and accurate records, save receipts and seek professional help with tax returns from a tax professional or CPA. This list serves simply as a guide to get people thinking about the tax benefits they may qualify for. Consulting a professional is always recommended.

About Cruise Planners–American Express Travel
Cruise Planners-American Express Travel is the nation’s largest home-based travel agent franchise network in the travel industry. Cruise Planners positions franchise owners for success by providing them with innovative marketing, booking and lead-generating tools as well as professional development and hands-on training with the industry’s top executives. The company continues to be lauded and was named No.1 Cruise Tour / Travel Agency by Entrepreneur for the past 11 years and recently featured in Entrepreneur as one of the top 30 franchise innovators in technology.

Headquartered in Coral Springs, Fla., Cruise Planners has achieved top producer status with every major cruise line. Accolades include a record 11 Magellan Awards from Travel Weekly in 2013, Special Needs Group Accessible Travel Advocate Power Partners™ for 2012, American Express Travel Representative Excellence Award for eight years in a row (2004 – 2011), American Express Agency of the Year (2010), Royal Caribbean International Home-Based Partner of the Year (2007 – 2013), Royal Caribbean International President’s Award for Overall Achievement for 2012, Norwegian Cruise Line Franchise Agency of the Year (2011-2013) and Home-Based Agency of the Year (2010), Celebrity Cruises Home-Based Account of the Year (2013) and Southeast Region Travel Agent Partner of the Year (2010), American Express Vacations Globe Award (2008 – 2012), Globus Family of Brands Premier Agency Partner (2009- 2012), Platinum Circle Member with Viking River Cruises (2009-2012) and Regent Seven Seas Cruises Top Producer. Cruise Planners supports veterans, has been named one of the Top 25 franchises for African-Americans by Black Enterprise magazine and is a member of the International Gay & Lesbian Travel Association. For information, visit http://www.cruiseplanners.com.

Media Contacts:
Caitlin Murphy
Director of Public Relations, Cruise Planners-American Express Travel
954-344-8060
Cmurphy(at)cruiseplanners(dot)com Reported by PRWeb 9 hours ago.

Former NH foster kids reminded of Medicaid option

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CONCORD, N.H. (AP) — New Hampshire officials are reaching out to former foster children to make sure they know they may be eligible for health insurance through the state's Medicaid program.
 
 
 
  Reported by Boston.com 9 hours ago.

Memphis makes final push for health enrollment

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Memphis Mayor A C Wharton is turning to soul music, a network of churches and staff at local emergency rooms to urge more African-Americans to sign up for health insurance under the Affordable Care Act. Reported by Miami Herald 8 hours ago.
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