Public Health Insurance – An Essential Lifesaver For the American Health System

There is much debate about the type of insurance proposals that will be required in the new health system currently being negotiated in Congress. President Obama has just come out in support of a public health plan, which is opposed by private insurers who say that they could not compete with a public health plan that didn’t have to make a profit. Supporters of the public plan proposal correctly say that it would give people more choices and create more competition. Opponents argue that private health plans would go out of business, leaving only an entirely government-run health care system.

Of course all sides are exaggerating and taking up extreme positions. They will all in time compromise and hopefully reach some form of agreement. The sad part is that at present they don’t seem to be thinking of the person at the center of all this – the patient. It is widely acknowledged that health care costs far too much in this country, while at the same time at least 47 million Americans are uninsured. So, from a patients perspective, if you do have health insurance, you are paying way too much for it, and getting poor value, and if you don’t have it, then you just continue to suffer. What a dreadful choice. What an indictment of America.

The goals of overhauling the health care system are to lower costs and extend care to the uninsured. Obama wants a bill on his desk in October at the latest. Where can Congress begin to compromise, and why is it that Republicans in particular, believe that public health plans are likely to be so dreadful. What is the evidence for this belief beyond their own philosophical ideas. They regularly bring up the supposed ogre of “socialized medicine” whenever public plans are discussed, but there is no evidence whatsoever that countries with more federal control over their health systems, especially in Europe, have worse health outcomes that the USA. In fact the contrary is true, health outcomes are much better overall, and cost a lot less money per capita of population.

As a physician who has lived and worked in the USA, Australia and Britain, and who has an interest in how health services are organized, I think America could move forward in a relatively simple way as long as we always keep the patient at the center of any health system we plan. It is essential that we do not design a health system primarily to protect profit levels for some or all of the various constituents, whether they be providers, health insurers or pharmaceutical companies. We have the opportunity of picking the best parts of other health systems from around the world and including these in the eventual plan to reform American health care, and we should learn from other countries.

What should we do?

Firstly we need a public-private partnership philosophy. Australia is a good example where this works excellently. That means public and private, not just private. American core business and social philosophies are based on capitalist principals so any new approach to health care must combine the need for profits in certain sectors of the health system, with the need to develop a number of core public health services that may be less likely to ever achieve a profit. Funding for care has to involve choice and should be provided in many instances through payment for annual or episodic whole of person care, rather than on individual piece rates as at present. These capitated payment systems work well for Kaiser Permanente, and in Britain. The primary gain from this approach is that it tends to force more resources into the prevention of illness and wellness promotion, rather than into the treatment of illnesses that have already commenced.

The public component of the health care system, seemingly strongly supported by President Obama, would include universal basic health insurance as well as catastrophic care insurance. We know that this type of system works well in America and is widely accepted and popular, because we have the very successful example of Medicare for seniors. Effectively broadening the base of Medicare for other populations would prevent many of the bankruptcies caused by healthcare costs, and would cover many of the current uninsured. Public insurance would then be likely to pay for many emergency and geographically isolated health services, as well as public health services, pre and postnatal and early child care as well as care of some special populations who cannot afford private health insurance such as the unemployed, and certain impoverished or geographically isolated groups. Medicare for seniors would of course continue. These are areas where there will be less competition from private insurers who have typically kept away from them, but of course any private health insurers would be able to enter these markets and compete if they wished.

The private component would be funded with the aid of broader tax incentives or similar financial tools to encourage most people (or companies) to take out private insurance. The aim should be that at least 80-90% of the population should have private insurance, whether it be comprehensive insurance, or top-up insurance to support core government provided insurance. It is important to reach this level of insurance to ensure that we all are financially responsible for at least a reasonable proportion of our health care costs. Here the Republicans are right as it is important that we do not see health care as something that is provided for free. The private sector should offer a full range of services from birth to death, but the industry should be more carefully regulated so that they would, for instance, be prevented from excluding patients on the grounds of pre-existing conditions. They should also have the ability to charge extra for certain “non-essential” services such as cosmetic surgery.

These ideas are taken from what I consider to be the best parts of the American, Australian and British health systems. No country has a perfect health system, and no country ever will. America can afford to choose the best from other countries as it debates how to improve its health care system. Lets hope that Congress can be creative, look outwardly, and not get bogged down in political dogma.

Business To Business Blog Sites – Capturing Top Internet Real Estate

Capturing and developing real estate has been good short and longterm investment strategy for many savvy investors. What I have found is most successful business to business blog sites are also capturing and controlling certain pieces of internet real estate called keyword searches. When these keywords are requested by a user, the search engines will have categorized and indexed content that best meets the search requirements, a formula known as algorithm, and deliver most relevant information to the individual requesting information. If your blog is top in the search engine rankings it will be your content and information that will be delivered for easy access and reading.

In my experience, prime real estate on the internet can be just as valuable as downtown space in Manhattan when monetized properly. Location is just as important for your business to business blog as it is in real estate. Success for an online marketer and blogger lies in how many people can find them on the internet. Obviously the more people who view their content the more followers and eventual brand awareness and sales they will have. I know those who blog for business that are not great communicators of the written word but do wonderful as a result of high page rankings. High page ranking is the real estate all online marketers wish to capture. Eighty percent of business to business blog success comes from search engine optimization and cross linking strategies that are not readily known by the average blogger.

6 Solid Reasons to Have a Business to Business Blog

1. Low Capital Investment – and minimum fees to maintain site. The only real investment is your time used for blogging. This gives back a high ROI for blog for business owners.

2. Time, Freedom and Flexibility – if you start out part-time with your business to business blog you can have your blog sizzling in as little as 60 to 90 days following a consistent step by step blogging system. Increasing your business through blogging can provide you with choices over time on how much you want to work or how little you want to work. No more missing your children and grandchildren’s little league games, school plays or family birthday parties because your current work schedule does not allow time off. You can now be in control of your own destiny.

3. Free Training and Education is available that will show you step by step how to set up your business to business blog for maximum Search Engine Optimization and build a campaign from scratch.

4. Blogging Communities or Networks are available where your posts are placed on the front page of the network and indexed according to industry and niche for easy identification by search engines for ranking. These blog networks have a vested interest in helping you succeed.

5. E-commerce – covers nearly all industries on the internet. Setting up a blog for business strategy eliminates saturation possibilities as there are so many niche products and industries to market. The world is your oyster. Pick any affiliate program to market and receive both initial income and residual income. Or simply continue to build your current business to business blog sites promoting your current company or product line, you are in control and can monetize for local, national or international traffic and business.

6. Income Earnings – can be substantial through blogging when you monetize your blog for Google AdSense as well as affiliate products. Substantial monthly incomes are being earned. Diversification of your marketing is a solid and profitable strategy.

If your company is currently blogging for business or looking to begin a blog for business site, you must focus on capturing as much real estate on the internet through popular keyword searches as possible. There are a tremendous amount of opportunities to create real wealth on the internet today even more so than have been in the past. Ranking an article and blog page is so much easier than ranking a website ever was. It must work, as you are reading this article. If you truly have a desire to take your company to the next level consider a business to business blog where you can tailor your message to an individual niche market as well as to mass audiences.

The Importance of Securing the Correct Travel Insurance

Traveling with the family is one of the most keenly anticipated events for anyone who wants to get a much-needed break. The same event may turn out to be a taxing experience if family members are not insured sufficiently. This is where the travel insurance comes into the picture. Travel insurance is extremely important for those going on a travel, particularly those going on a long distance air or ship travel. Travel insurance provides a number of features, which covers the traveling family from unforeseen happenings during the trip. Travel insurance will ensure that the family gets to enjoy their trip whole heartedly without worrying about the various minor external factors.

Your insurance covers the traveler from various unforeseen events such as trip cancellation due to various unforeseen events including ill health, weather conditions and airline strikes. In the case of accidental death of the traveler, the family will be compensated with the insured amount. There are occasions when the traveling family has to but accommodation, food and clothing due to flight delays. In such instances, the insured person will be able to get the amount reimbursed. Travel insurance also compensates the traveler for any damages done to their personal baggage and also if the baggage gets lost. Medical insurance protects the travelers from expenses incurred on treatments received for any ailment during the vacation stay in a foreign land. These are some of the unexpected events that can be managed by taking travel insurance.

Before starting the trip, one might question the need for any insurance, as all the events are unforeseen, which may occur or may not occur. But since the family is traveling to a foreign land, chances of unforeseen events are relatively high. To cover against the negative effects of these events, one needs to be sufficiently covered. There are many public and private insurance companies, which provide travel insurance protection packages for the traveling public. There are online informational web sites, which can be used to compare the insurance premium that one needs to pay for getting coverage. These web sites compare the premiums charged by various companies and provide it to the user, after the user provides the necessary information such as the period of travel and number of members traveling.