Licensed Insurance Agent Kent Pike see’s massive growth in 2012. Sets stage for even more in 2013.

Kent Pike Licensed Insurance Agent and Sales Leader with Insphere Insurance Solutions announced today that he has hired the talents of Mariana Ortega as Executive Assistant. Mariana comes to Kent Pike’s office with administrative experience, involvement in legal and government translating and is translator for many insurance carriers in North Carolina.

“I am pleased to have Mariana join my office; she brings excitement and enthusiasm to help people. Being bilingual is another advantage, as the Hispanic population in North Carolina has been under served” said Pike.

“The Hispanic population is underserved in the insurance market, being bilingual will enable Kent to market to the Hispanic population and help them understand the products and benefit options available to them. This will allow them to make an informed decision about their insurance coverage” said Ortega.

Insphere Insurance Solutions is a distribution company that specializes in meeting the life, health, Medicare, long-term care and retirement insurance needs of small business and middle-income individual and families through its portfolio of products from nationally recognized insurance carriers.

Kent Pike or Mariana can be reached at 704-437-4038 or by email at you can also visit Kent on his website at or like his Facebook page for the latest Health Care Information.

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How to save money on health insurance?

Health insurance plans are available with several health benefits for the insured person. But if you choose a plan without reviewing the terms, coverage and premium cost then you may find it costly. You might be end up by paying more. So it is important to shop carefully to get maximum health coverage at minimum spending costs. Here, you that wants to get some tips will help you to get affordable health care at low premium.

• Choose larger out of pocket expenses: majority of companies offers low-premium health insurance plan for those who agree to make larger out of pocket expenses. If you have good health situation and there is low chances of falling ill on frequent basis then this option can be useful for you. You can chose to pay more on yearly deductable and copayments for services and prescriptions. This is sensitive choice.
• Compare private health insurance plans: getting health care coverage from private insurance coverage can be better deal even for those who are already secured with employer's health security plan. Company's health insurance plan may not be the best deal in every situation as cost of premiums are increasing day by day and company is contributing more cost towards the health cost.
• Employer health insurance ( options should be reviewed each year: If you and your partner both are eligible to get company's health insurance benefit then better to review the plan of both companies to see which is offering better coverage. If one's company is offering better coverage then it is sensible to switch another one to that company.
• Carefully review COBRA Law to get health benefit from your company: If you are eligible to get private health insurance benefit from your company according to COBRA law then apply for the same. But remember that it can be expensive in certain situations to enroll into the same only if you can afford the deal and beneficial for your health.

These are some important tips that will help to find a fair deal. At the end of the plan, it is so important to take care of your health to avoid viral infections. Be careful while driving and follow the driving rules to avoid accidents.

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iPMI Magazine In Major Health and Medical Insurance Broker and Intermediary Recruitment Drive

International Private Medical Insurance (iPMI) is a Free Online Information Service Provided by Leading Health Insurance Magazine International Private Medical Insurance Magazine (iPMIM). International Private Medical Insurance brings Underwriters, Providers, Brokers, Intermediaries and End Users Together, Under 1 Roof. Working Hand-in-Hand with iPMI Magazine, International Private Medical Insurance aims to provide the latest and most up-to-speed product and solution information available, for leading health, medical and travel insurance brands.

The Aim of International Private Medical Insurance (iPMI) is to Provide Worldwide Health, Medical and Travel Insurance Underwriters, Brokers and Intermediaries, a Dedicated and Comprehensive Online Platform to Share Information, Best Practice and Industry Trends and News. International Private Medical Insurance Provides Underwriters and Brokers the Opportunity to Network Virtually and Provide all the Correct Information Required, to Manage a Health, Medical, and Travel Insurance Business.

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Online Purchase of Health Security Plans May Also Expensive

Recent reports shows that now more people prefer to do their own research before buying any online health insurance plan. All these things show the public dissatisfaction with financial service providers. Managing director of a leading comparison site has stated that records of 3.5 million complaints were received by financial service authority to June 2012 in just six months. Such figures are enforcing to make a change in purchasing patterns.

Reports show that now consumers are not satisfied with traditional financial methods. Banks and financial institute do not have that much faith that were once in past. People are looking for innovative ways for their purchase where they can perform full research about the selected product. It is good to do full research on product, compare that and then make final decision on product purchase. But medical insurance specialists claim that online purchasing of health insurance ( Visit - for more details ) plans can also stoke prices.

Experts say that internet purchase often misled the buyers that irrigate an irresponsible marketing. Brokers can make huge money with comparison sites for each click that redirected from comparison portal to main site. The broker’s charges are added with the insurance cost and ultimately buyers pay for that cost. It has been concluded that most of online leads are quite costly up to £60 and regular brokers are unable to afford the cost thus they include the cost with the product and further take from the insurance holder.

It is general concept that online purchase save money on financial products but it often depend upon the type of product. If you are purchasing complex health insurance plans like international medical insurance coverage then you may need to pay some hidden charges along with the premium. Product features may also mislead the consumers. These are some important things about online purchase. Further before making any final purchase make sure that you are getting right product in affordable amount.

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Breast Cancer - What are the Signs

Breast Cancer in women is second only to lung cancer deaths and a woman in the United States has a 1 in 8 chance of having breast cancer in her lifetime. That's a startling 13 percent chance that any woman in the U.S. will get breast cancer during her life.

Breast Examination is vital to a woman's health and personal care. There are a number of things you should be aware of when doing a self-examination; obviously any lump or change in the shape of your breast is reason to have further testing performed. If the breast develops dimpling or the nipple area begins to invert itself, or lumps in the underarm area are also symptoms to have checked by your physician.

Most importantly, it is imperative you know that there really are no definite signs of breast cancer, so get tested regularly!

Having a mammogram is not the most comfortable test to have performed, but the opportunity to live a long and healthy life by getting early detection is worth the short-term discomfort. Recently, there have been new breast examination techniques made available whereby the mammogram procedure may be avoided. The age of medicine is always improving and progressing in our abilities to learn more with less personal invasion. This is even more of a reason not to make excuses not to be checked regularly.

As a woman ages her chances of contracting breast cancer increases dramatically. At age 30 the chances are 1 in 2212, and by age 40, the odds greatly increase to 1 in 235. By age 60, the odds are 1 in 23, so if nothing else prompts you to perform constant monthly self-examinations and yearly office exams with your doctor.

Breast cancer respects no one, and there is no assurance that if your family genealogy does not have a history of breast cancer, you won't contract breast cancer. Don't find reasons not to find out about your current health stats. The procedures are covered under wellness provisions in most insurance policies, so again, get tested regularly.

In our age of breast enlargement and plastic surgery, breast cancer examinations at home may be more difficult to detect changes in the breast, so if you have breast implants, please have yourself check with your doctor on a regimented schedule. It's better to protect your investment for the long term if for no other reason. Hopefully you are not the assuming type, whereby you don't feel pain or observe any changes therefore all is well. Breast cancer does not necessarily show any symptoms, but the office tests rarely miss any stages of breast cancer. Should your doctor find any cancer, the earlier the better and with minimal physical changes in your appearance. Just be safe and not sorry for assuming all is okay.

To learn more about breast cancer and other cancers that you can be tested for, take a look at this site for more detailed symptoms, changes, and hidden clues only you would notice;

Jim is an online write and entrepreneur who delves into topics of high reader interest and his insights and directions on what he has deiscovered is worth the time invested in his articles. Today, he has found that breast cancer awareness is still lacking in it's application and adhering to the testing.

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PCPCC Launches New Stakeholder Centers with Virtual Medical Home "Town Halls"

Throughout the month of February the Patient-Centered Primary Care Collaborative (PCPCC;  will hold virtual public forums to launch the work of its Stakeholder Centers (, each led by thought leaders and medical home experts from unique disciplines that are dedicated to building support, knowledge, and public awareness for the patient-centered medical home.

“We are delighted to engage the public in these open forums to drive awareness for the medical home and help us define strategies for encouraging its widespread adoption,” said Marci Nielsen, PhD, MPH, PCPCC’s CEO.

Participation in a center's Quarterly Open Forum Call will allow stakeholders to:

·         - Learn more about the Stakeholder Centers and their role within PCPCC

·         - Hear directly from center co-chairs about goals and objectives for the coming year, such as publications, events, and other special projects

·         - Engage in an interactive dialogue that solicits live feedback from participants through polling and facilitated discussion

·         - Cast their vote about what they’d like to see from the center in the coming year

Call dates and registration information is listed below.

Patients, Families, & Consumers (

Co-Chairs: Christine Bechtel, National Partnership for Women & Families; Francis Rienzo, Sanofi

Wednesday, February 13th - 3:00 - 4:00 PM ET

Click here ( to register.

Employer & Purchaser Engagement (

Co-Chairs: Becky Brosche, Pfizer;

Anshuman Choudri, Blue Cross Blue Shield Association

Wednesday, February 27 - 4:00 - 5:00 PM ET

Click here ( to register.

Advocacy & Public Policy (

Co-Chairs: Shari Erickson, American College of Physicians;

Greg Pawlson, Stevens & Lee

Thursday, February 14th - 10:00 - 11:00 AM ET

Click here ( to register.

Outcomes & Evaluation (

Co-Chairs: Melinda Abrams, The Commonwealth Fund;

Scott Van Valkenberg, Ernst & Young

Wednesday, March 20th

3:00 - 4:00 PM ET

Click here ( to register.

Care Delivery & Integration (

Co-Chairs:Blair Childs, Premier, Inc.;

Ted Epperly, Family Medicine Residency of Idaho;

Sunnah Kim, American Academy of Pediatrics

Tuesday, February 19th - 1:00 - 2:00 PM ET

Click here ( to register.

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Life insurance NZ brokers offers advice on health and health insurance

You can handle financially, if you a health problem and not for a certain time work while waiting for medical treatment? In today's ever-changing world, more and more are health insurance and life insurance will find very valuable investment. NZ life insurance broker is an independent New Zealand
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Everyone at some time in their lives, a often many cases need a kind of medical treatment. Ongoing health issues can interfere with your financial and physical well-being. Being able to get medical attention, if it is needed can help to prevent that further complications and minimize the impact on your career and lifestyle. If medical care is required, ideally the patient can focus on getting better, rather than to ask whether he or she has sufficient resources to pay all bills. Health insurance is a type of insurance that covers the costs for an insured person depending on the type of health insurance medical and surgical costs.

Health insurance - provides for you if you are not good! Each person different circumstances and health to the next, so that personal advice is the key that you have the best possible plan. On the whole, there are two types of health insurance. For hospital and specialist is only to cover. This plan includes usually large medical expenses but not everyday health costs cover. Overall plan is for a wider range of coverage. This plan includes the most important medical costs plus everyday healthcare costs such as doctor visits, recipes, dental and optometry. Health insurance can compare to cover your costs in two ways. One possibility is to give a long list of various medical treatments and procedures and each assign a value to. The value is the maximum pay for the plan. The other option is to give a total, the plan numbers.

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Medical insurance industry is increasingly playing an important role in the critical and chronic disease management and health of patients take positive conclusions. Critical diseases plan pays a single lump sum a financial boost to give if you are diagnosed with a qualified critical illness event.

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Take care of your family and make your life in the present to. Life is for life, so that you do not want that to spend it is thoughts on what is happening on your love after you're gone. For the people, the left on the rear of the unexpected death of a family member can mean financial hardship. Life insurance NZ Broker pays a lump sum in the unfortunate event of death of the insured person. Insurance helpline introduces online life insurance NZ broker with its always low premiums, helping to find best life insurance NZ quotes. As the largest life insurance NZ, broker has insurance helpline the ability to negotiate with insurance companies for policies and benefits that are unique to customers.

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Strategic Management of Health Care Organizations

The 6th edition of this established text is streamlined to a more manageable format, with the Appendices moved to the web-site and a significant shortening of the main text. There is a greater focus on the global analysis of industry and competition; and analysis of the internal environment. In consultation with feedback from their adopters, the authors have concentrated on the fundamentals of strategy analysis and the underlying sources of profit. This reflects waning interest among senior executives in the pursuit of short-term shareholder value.

As ever students are provided with the guidance they need to strategic planning, analysis of the health services environment (internal and external) and lessons on implementation; with additional discussionssion of organizational capability, deeper treatment of sustainability and corporate social responsibility and more coverageof the sources of organizational inertia and competency traps.

This edition is rich in new examples from real-world health care organizations. Chapters are brought to life by the 'Introductory Incidents', 'Learning Objectives', 'Perspectives', 'Strategy Capsules', useful chapter summaries; and questions for class discussion. All cases and examples have been updated or replaced. In this edition the teaching materials and web supplements have been greatly enhanced, with power-point slides, to give lecturers a unique resource.

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Private Dental Plans Could Cost More than NHS- Pay as You Go

Consumer watchdog reports have stated that private dental insurance policies costs high and consumer get shocked when it comes to settling a bill. Researchers have included 20 policies to see the payments made by them in two dental scenarios over a year. Reports have said that worst dental insurance policies make policy holder to pay up to 77 percent of treatment cost and any average dental policy leave the patients by making payments up to 50 percent of treatment cost.

Reports have further revealed that if a person take care of his/her teeth and owner of good oral health then only one or two routine physician visits are required in a year with NHS. It has been noted that annual premium cost is even more that pay as you go services. More people are now accessing NHS dental treatment. Reports show that 92 percent patients in England have access on NHS dental treatment between July and September 2011.

Majority of NHS dental insurance plans do no limit treatment cost. Only Boot Core plan caps treatment cost at £500 in a year. NHS and private dental health insurance plan( have set maximum benefit limits for treatments and maintenance. They offer maximum of 50 percent of total treatment cost. If a person needs expensive dental treatment over a year then he may need to pay 84% of private treatment bill.

Recent surveys have revealed that 35 percent of people having dental insurance coverage are using dental payment plan (DPP). One out of three wants to avoid unexpected fees. DPPs are private medical insurance plans and further divided into two parts maintenance and capitation plans. Unlike dental insurance plans, insured person need to claim back for payments for treatment cost. There are several dental insurance plans but one should be careful on selection of the plans to get maximum benefit.

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The Baby Care Book: A Complete Guide from Birth to 12-Month Old

Everything a parent needs to know about caring for a baby.

The Baby Care Book is a clear, thoughtful and objective guide that helps parents raise a newborn. The subject of parenting is often confusing. The great value of this book is that it empowers parents with knowledge and allows them to make personal choices for each circumstance and situation.

Both authors are leading experts from the world-renowned Hospital for Sick Children. The Baby Care Book covers an extensive range of topics in clear, easy-to-understand language. Specially commissioned "real life" photographs throughout complement the text, providing additional instructions and information.

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  • Your Baby's First Month

  • Helping Your Baby to Sleep

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10 Frequently Asked Questions About Medicaid Expansion

A centerpiece of the Patient Protection and Affordable Care Act—often referred to as “Obamacare”—is the expansion of Medicaid eligibility to people with annual incomes below 138 percent of the federal poverty level, or $26,347 for a family of three and $15,417 for an individual. Despite the fact that the Affordable Care Act was passed into law in 2010 and was subsequently upheld by the U.S. Supreme Court in the summer of 2012, many questions persist about the law, particularly as it relates to Medicaid expansion—what that expansion actually means, who it will cover, what it will cost, and more.

As we mark the third anniversary of the passage of the Affordable Care Act, it is important not to lose perspective about what Medicaid expansion actually means for the millions of people it will help to insure, as well as the economic benefits it will bring to states and local economies. Here are the 10 questions about Medicaid expansion under the law that are asked most frequently and are too often answered incorrectly.

Medicaid, jointly funded by the state and the federal government, requires coverage for certain groups of individuals: low-income children and some of their parents; poor pregnant woman; certain low-income seniors; and some individuals with disabilities who are under the age of 65. Under the Affordable Care Act, Medicaid eligibility will be extended to all individuals with incomes up to 138 percent of the federal poverty level beginning in 2014—$26,347 for a family of three and $15,417 for an individual.

Medicaid expansion will cover all families and individuals below this income level, including groups who are currently left out of public health coverage such as low-income, able-bodied parents, low-income adults without children, and many low-income individuals with chronic mental illness or disabilities, who struggle to maintain well-paid jobs but don’t currently meet disability standards for Medicaid. The expansion of Medicaid eligibility also cuts the rate of uninsured veterans and Native Americans in half and provides early treatment to people struggling with HIV. Unfortunately, many of the poorest citizens in states that may decide not to expand Medicaid will be victims of a coverage gap. When the Affordable Care Act was written, federal policymakers assumed those with the lowest incomes would be covered under the expansion. Consequently, they did not set up further ways for these groups to obtain health care coverage such as the federal subsidies that those with slightly higher incomes will receive under the law.

The Supreme Court upheld the Affordable Care Act in 2012, but it gave the states the choice to opt out of Medicaid expansion. It is now rests with governors and state legislatures to decide whether it is in the best interest of the state to implement the Medicaid portion of the law that affords health coverage to those in need.

If a state chooses not to expand the program, the federal government cannot take away the Medicaid funds a state already receives. So while states have the “carrot” of extra Medicaid funding if they take up the expansion, they don’t have the “stick” of losing federal funding if they do not take it. This ability to opt out of the expansion but suffer no serious consequences undermines the law’s ability to ensure that millions of low-income Americans benefit from the expansion of Medicaid coverage. This caveat in the Court’s decision opened the door to allow governors to deny an essential aspect of health care reform. Unfortunately, states opting out of Medicaid expansion do so to the detriment of their residents, as well as their state budget.

The federal government is paying for the vast majority of the Medicaid expansion. States don’t have to pay any percentage of the cost for the expansion until 2017, at which point the federal government will gradually transition to covering 90 percent of the cost through 2020. Before accounting for state and local government increases in savings and revenues, the nonpartisan Congressional Budget Office estimates that states will increase their Medicaid spending by only 2.8 percent while providing health coverage to 17 million more low-income children and adults between 2014 and 2022.

States that expand their Medicaid coverage will not incur unsustainable costs; rather they will enjoy net fiscal gains due to offsets in savings and increases in revenues. Sources of increased revenues include state sales taxes, insurance taxes, and prescription-drug rebates. States will also incur savings, as the federal government will be paying a much higher share of the cost for populations that were previously ineligible and therefore solely paid for by states. This will free up billions of dollars from state budgets, as is the case in Florida, where projected annual savings are $100 million, and in Ohio where projections call for $1.9 billion in savings and increased revenues by 2022. Coverage for women with breast and cervical cancer, and coverage for some mental health and substance-abuse treatment for previously uninsured poor individuals can now be covered by Medicaid, as opposed to what was previously covered solely by states.

Some states are acknowledging that they could afford the expansion, but they fear the federal government will “cut-and-run” at some point, leaving them with a majority of the cost burden. The reality is, however, that there is absolutely no precedent for this. Moreover, if a state is committed to expanding Medicaid, there are ways to address this concern. Both Arizona and Nevada, for example, have adopted the “circuit-breaker” approach, in which the state will opt-out of the expansion only if the federal government’s share of matching funds falls below a certain level.

There is both a human and fiscal cost if Medicaid expansion is rejected. States will have to continue to pay for the treatment of the uninsured in hospitals, public clinics, and other care facilities with state tax dollars, which is much more expensive than the minimal share they’d pay under the Medicaid expansion. And when it comes to the impact of Medicaid coverage, several studies indicate that Medicaid coverage leads to overall better health and lower mortality rates. According to a study by the state of Oregon, after one year of enrollment in Medicaid, low-income childless adults significantly reduced their financial strain, increased their health care use, and reported having overall better health. Expanded Medicaid coverage also led to decreased rates of delayed care and decreased mortality rates, especially among residents of poorer counties, as indicated by the New England Journal of Medicine.

When a state chooses to forgo expansion, it does not receive the extra funding from the federal government. This means residents’ federal tax dollars will still be going toward the implementation of Medicaid expansion in other states but not in their own. This is a scenario that Gov. Jan Brewer (R) of Arizona, an outspoken foe of Obamacare, cites when explaining her surprising support for Medicaid expansion. Gov. Brewer doesn’t want to forfeit federal funds that will otherwise go to states that have agreed to expansion, which is why she has also agreed to it.

For the millions of low-income adults and children who would become eligible for care, Medicaid expansion is much more than access to health insurance. Every dollar a mother doesn’t need to spend on out-of-pocket costs when her child comes down with the flu can go toward food, housing, and other necessities. Medicaid coverage translates into financial flexibility for families and individuals, allowing limited dollars to be spent on basic needs, including breakfast for the majority of the month or a new pair of shoes for a job interview. Medicaid expansion means more than health care coverage; it is an expanded opportunity for success and a pathway to the middle class.

According to Department of Health and Human Services Secretary Kathleen Sebelius, states may adapt the Medicaid expansion so that is meets their unique needs. Expansion is an opportunity for innovation, and even allows for the program to be modeled after private plans, as Arkansas has proposed. The Arkansas model would use federal Medicaid dollars to provide the state’s lowest-income populations with private insurance. The Affordable Care Act proposes that the state oversees Medicaid merely as an attempt at proper protection and choices for beneficiaries. But just as there is no “one-size-fits-all” in current Medicaid programs, there are likely many different ways states can grow and expand their particular programs while still ensuring millions of low-income individuals gain health coverage.

This means that the money that the federal government is giving each state to expand its Medicaid enrollment will go toward helping prospective Medicaid recipients purchase private insurance in the new health insurance exchanges. This is a path that several states are considering but hesitant to adopt. One reason cited in support of expanding with this option is that providers would be paid the same amount whether a patient is a recipient of Medicaid or private insurance, which theoretically may increase the array of doctors who will treat Medicaid patients. Additionally, it would make the program run more smoothly and would provide continuity as beneficiaries’ income levels may fluctuate, forcing them to switch between their expanded Medicaid coverage and a private insurer in the state marketplace. But the Department of Health and Human Services agreed to a Medicaid bridge plan, which mitigates this worry by allowing individuals transitioning from Medicaid coverage to coverage through a health exchange to remain with the same plan and provider network.

This approach, however, requires monitoring going forward because it comes with many risks. If states that are otherwise unwilling to expand their Medicaid program are willing to try this approach, it could help guarantee that millions more individuals will have access to health care. Medicaid is crucial because of the array of benefits it provides, which for the newly eligible include hospitalization, maternity and newborn care, emergency services, and preventative care. Under the Medicaid law, this approach must provide the same benefits as the traditional Medicaid program in a cost-effective manner, and it is yet to be seen if states can meet this standard.

When hundreds of thousands of individuals in a state are gaining health care coverage, there must also be thousands of health care professionals available to care for them. Likewise, there will be an increased demand for equipment for medical tests, the production of extra beds, more maintenance jobs at growing health care facilities—the list goes on. In short, Medicaid expansion is an engine for job creation.

According to the Health Policy Institute of Ohio, by 2015 Medicaid expansion will create at least 23,000 new Ohio jobs in health care and other related industries, increase the earnings of Ohio residents by at least $16.7 billion, and increase the state’s total economic activity by at least $18.6 billion from 2014 to 2022. In fact, costs to employers could total $876 million to $1.3 billion in the states that oppose, are leaning against, or remain undecided on expansion as the result of penalties for noncompliance with the Affordable Care Act.

As is, Medicaid is incredibly effective at providing coverage for one in every four children, 21 percent of low-income adults, and 60 percent of nursing-home residents nationwide. If Medicaid didn’t exist, most of the 50 million Americans whose coverage comes solely from Medicaid would join the ranks of the more than 40 million individuals in this country who are currently uninsured. Expansion of Medicaid coverage for low-income pregnant women led to a significant reduction in infant mortality, and the expansion of coverage for low-income children in the 1980s and early 1990s led to a significant reduction in child deaths.

At its core, Medicaid provides coverage for the poorest and most disadvantaged Americans and provides economic security for the middle class. Medicaid’s federal-state partnership structure is an effective way to provide care and assistance to individuals who need it most. Medicaid’s purpose and its laudable track record must be considered when arguing the merits of its expansion through the Affordable Care Act.

Sarah Baron is a Special Assistant at the Center for American Progress.

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The Nation's Health, Eighth Edition (Nation's Health (PT of J&b Ser in Health Sci) Nation's Healt)

At last comes the Eighth Edition of the classic text, The Nation's Health, extensively revised by the new best selling author/editor team of Leiyu Shi and Douglas Singh.This timely revision includes an overarching framework to portray the determinants of the nation s health and to organize the major components of the book. Each section begins with a summary highlighting the major issues and challenges as well as an outline of the articles that follow. The Eighth Edition features both classic readings as well as new readings published within the last five years. New articles on healthcare delivery and interventions address health determinants and improving population health from other countries in the world. Ideal for use at the graduate and undergraduate level, the book can be used either as a stand-alone textbook or a secondary reader to a healthcare related course.

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Payer transformation survey finds that 87% believe health insurers must transform to survive

Payer+Provider Syndicate, the consulting firm which brings health services research into practice, today released findings from its comprehensive Payer Transformation Survey ( The survey found that 87% of the health insurance employees surveyed believe that the industry must undergo a transformation in its business model to survive. To assess the degree to which transformation is taking place, the survey also examined the industry’s self-perceived degree of preparedness for reform.

The health insurance company employees surveyed expressed concern that payers are least prepared to understand how their members select products on the individual market. As health insurance exchanges are created in response to the Affordable Care Act, health insurers will increasingly have to sell their products directly to consumers, rather than to employers. Insurers are racing to understand consumer buying preferences, as health insurance exchanges will become nationally available at the beginning of 2014.

“Health insurers are currently pursuing a number of initiatives that all revolve around making their products more consumer-centric. Namely, they are focusing on increasing the value of their plans by both improving member outcomes and reducing costs,” said Adam Powell, Ph.D., President of Payer+Provider Syndicate. “Many of the insurers we contacted have invested substantial resources in developing Accountable Care Organizations, Patient-Center Medical Homes, and in using data to gain insights into how to take better care of members. Going forward, one major challenge that insurers face is determining which tools have the greatest impact on member outcomes. As the desire to bend the cost trend and improve population management is clear, an army of vendors have developed potential solutions. Our survey found that the majority of insurers are using external resources to engage members in managing their health risk.”

The survey behind these findings was developed by Payer+Provider Syndicate, in conjunction with the Physician Performance Improvement Institute.  Payer employees were interviewed in August and September 2012, and then a closed online survey was conducted in September and October. A white paper summarizing the survey’s findings is available online at

About Payer+Provider Syndicate

Payer+Provider Syndicate provides market analysis, independent vendor evaluation, and performance improvement strategy to the health insurance and hospital industries. Founded by a Wharton-trained healthcare economist, Payer+Provider Syndicate utilizes teams of health services researchers and physicians to address healthcare’s most complex operational challenges. For more information, please visit

Press Contact

Adam Powell, Ph.D.

Payer+Provider Syndicate

(617) 939-9168

8 Garrison St. Ste. 101

Boston, MA 02116

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Lower Health Insurance Coverage for Young Retirees

The Employer Benefit Research Institute has released latest evidences which show the reality of retiree health benefits and its present state. Many workers still dream about early retirement but it is not that employers also share the same. Employees are not getting efficient benefit on early retirement and it reveals about research work.

The results revealed on such issued are mixed of bad and worst news. According to reports revealed by a non profit company in Washington D.C. only 17.7% of employees worked for a private-sector business in 2010 that offered health insurance ( coverage to early retirees. The report is showing downturn in the sector with almost 29% in 1997. In the same vein, in 2010 15.9% of employees were engaged in a business that offered health coverage to Medicare-eligible retirees, which was recorded as 25.4% in 1997.

What is the worse news?

There are very few companies are still offering retiree health benefits and such companies are raising cost of premiums with reduced coverage and tough eligibility criteria. When employers were asked about the steps they might take in 2013 with regard to retiree health benefits then 43% of surveyed employers who offered such benefits replied that very likely they will increase retirees’ portion of premiums and 35% said they are somewhat likely to increase it. Only 21% of surveyed employers said they are very likely to increase cost sharing in 2013, and 32% said they are somewhat likely to do so.

EBRI’s findings released that workers are accepting the modern change in retiree health benefit trend and any cause for optimism in EBRI’s findings are about their prospects. Almost half of workers (45%) in 1997 workers expected retiree health benefits, while only 27% of early retirees were offered health benefits and 20% of Medicare-eligible retirees actually had such coverage. The figures have changed dramatically in 2010; about 32% workers were expecting retiree health benefits while just 25% of early retirees and 16% of Medicare-eligible retirees actually had benefits.

Past records have strengthened the new figures in 2012. The availability of such exchanges were not surprising in 2012 where Health survey reports by Towers Watson/National Business group has revealed that many employers to exit sponsorship of retiree medical insurance programs.

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Access to Medicaid Reduces Mortality Rates

Research shows a strong connection between mortality rates and insurance status: The uninsured are more likely to have poor health and higher mortality rates than those with insurance. People without insurance are less likely to receive preventive services and more likely to delay or go without necessary doctors’ visits, prescription medicines, and other treatments that reduce unnecessary morbidity and premature death. As a result, this group has poorer health outcomes, a lower quality of life, and more premature deaths. The uninsured are also at greater risk of death following a trauma, heart attack, or stroke.

A study—“Mortality and Access to Care among Adults after State Medicaid Expansions”—published in the New England Journal of Medicine last year analyzed the effects of Medicaid expansion on adult mortality in several states and found a connection between access to Medicaid and reduced mortality. This study underscores the importance of the current debate that is taking place in many states about whether to expand Medicaid as part of the Affordable Care Act.

To ensure that those who most need health coverage can access care, the Affordable Care Act expanded the federal minimum Medicaid eligibility level to all people with incomes up to 138 percent of the poverty line—$15,856 for individuals and $32,499 for a family of four in 2013.* But the Supreme Court decision that upheld the health care law also allows states to opt out of the expansion without losing their existing federal Medicaid funds. This means that, unfortunately, Medicaid coverage is not yet guaranteed for many Americans in this group. Nearly 17 million Americans would gain coverage through the Medicaid expansion if all states participated in the expansion, which could improve the health status of millions of Americans and reduce mortality rates.

The graphic below estimates the number of deaths that could be averted in some of the states that continue to oppose Medicaid expansion. This is not an exhaustive list of states—we only included states that currently have low thresholds for Medicaid eligibility for nondisabled adults so that our estimates would be conservative and would not overstate the potential impact of expansion on averted mortality in a given state.

The researchers of the New England Journal of Medicine study compared mortality levels in several states that implemented a Medicaid expansion to demographically and economically similar states that did not implement a Medicaid expansion in order to determine the effects of the expansion on adult mortality over a period of five years. Since the study was limited to only a few states, there may be some variation across estimates depending on how Medicaid expansion is implemented in each state.

Based on the results of the study, we applied the ratio of 2,840 averted deaths within a state population of 14.5 million people to the population of adults between the ages of 19 and 64 in every state to estimate how many lives could be saved through Medicaid expansion. The proportion is based on the average averted mortality rate of states in the original study. The actual estimates for averted deaths for each state will vary depending on the baseline numbers of uninsured and enrollment rates after Medicaid expansion is implemented. State population data is taken from the Kaiser State Health Facts and represents a two-year average of state populations between the ages of 19 and 64 in every state.

In these states alone more than 12,000 lives per year could potentially be saved if state governments agree to expand their Medicaid programs. Let us not lose sight of what is really at stake in the battle over Medicaid.

Maura Calsyn is the Associate Director of the Health Policy team at the Center for American Progress. Lindsay Rosenthal is a Research Assistant on the Health Policy and the Women’s Health and Rights teams at the Center.

* The Affordable Care Act includes a special adjustment to income that effectively raises the eligibility level by 5 percentage points to 138 percent of the poverty level.

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A free the users cost membership allows, store their health records and other health information online and access it anywhere, anytime. With accurate patient records and past information it helps to ensure service providers to be more accurate and more effective treatment and at the same time, the chances of medical errors.

The site also provides emergency access cards to its active users. It contains simple instructions with which service providers see health care the medical information of individuals in case of an emergency. The benefit of this feature is that the patient treatment can be provided, without critical time to know certain important medical information needed before the treatment (such as blood type, current medications, etc.) to spend.
In addition to these services, the site offers also a wide range of allied services such as online consultation, online appointment, discounted lab tests, health articles and tools.

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Cancer - The Bad News

We all care about our health because health is the most important thing anyone can have. And as the old saying say "Money cannot buy happiness" and we definitely will be happy if we are in a good health mentally and physically.
One of the most awful physical illness one can suffer from is cancer.
Cancer can infect many parts of the human body, and most commonly is the breast cancer which usually happens to women and considered one of the most awful things the woman can suffer from.

There are also colon cancer and Prostate cancer and Lung cancer.
It is also an interesting fact to know that in 2006 in the USA the most common type of cancer that occur to the males are the Prostate cancer with a death rate of 23.6%, while the most common type of cancer in the USA for females is the breast cancer with a death rate of 23.4%.
Although the highest death rate type of cancer is the lung cancer with 40% death rate for females and 67.5% for the males.

So for lung cancer, you can avoid it easily, because the common cause for lung cancer is smoking of any kind so that's why it is a very bad habit that should be stopped.
So if you felt something is going wrong with your body whether it is your lungs or breast you should go to the doctor right away because treating cancer in the early stages is very important and decrease the risk of making the cancer deadly.

You must also share your fears with your family, and the more the family is involved the better for everyone, because cancer patient is not the only one that will suffer (although he/she is the one suffering the most) but also the whole family suffer when there is a cancer patient in the family.

Report insurance fraud, to meet your loss

Report insurance fraud to your Loss.PRLog (press release) - 17October 2012 - health insurance fraud is not a foreign Word. Several times, the reports with such scams and fraud to get notifications. If a person uses someone else only to the value of coverage, and support services to increase personal and health information, then comes under scam or medical insurance fraud. Insurance fraud has also noticed increasing in sales of non-existent insurance policies or fake medical tests to reach. Such fraud results in millions of unpaid debts every year. There are several ways to report such scams.

Instructions for this kind of fraud in the correct way to report:

• Contact health insurance provider company to find report filing forms. Majority of companies offer such forms on the parent site.
• Explain in detail was you about the kind of health insurance, that has taken place. It may be related with the payment of services that were not performed or suspicion on some policyholders with an expired health card or registration for unnecessary tests.
• If you suspect someone that puts health claims with fraud under your insurance policy then, call the number in the health insurance card.
• Keep copy of all medical claims, such as invoices, test results, prescription records and other statements. These things are required as evidence in the report.
• Find insurance control Office in your state. Each State has to make their own arrangements for private health insurance fraud. This will make your reports to restructure. Here you can find information online for public offices.
• Office of Inspector General for Medicare fraud it is also health care fraud claim restructure. You can register there after the call to assess and to find out whether your claim in proper jurisdiction falls.

Health insurance fraud prevention:

• During the provision of your personal data, make sure that you talk to an official doctor. Keep our data secure to and to avoid, share, with summaries, etc. or who come.
• Visit the BBB (better Business Bureau), to obtain information and resources for current health insurance ( activity. You should be careful about prescription drug of scams.
These are some important things to keep in mind to avoid insurance scams.

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Private Medical Insurance Magazine Launches New Press Kit

Private Medical Insurance and Expatriate Healthcare News iPMI Magazine.
As Obama is voted in for the 2nd time, as the President of the United States, International Private Medical Insurance Magazine is pleased to announce the release of the V3 iPMIM Press Kit.

Produced hand-in-hand with our clients from the private medical insurance market, the iPMI Magazine Press Kit provides detailed information on readership, advertising ops, marketing formats and more.

Get all the latest readership and traffic statistics for iPMI Magazine. iPMIM is ranked and respected by leading worldwide payors, patients and providers and is a definitive source of Expat, Travel and Health Insurance and Assistance News.

The iPMI Magazine Private Medical Insurance Press Kit is available to download now, click here

iPMIM Press Kit Features.

iPMIM is the Leading Expatriate Insurance & Assistance Magazine

Daily Content = Daily Readers
30,000+ Readers October 2012
40,000+ Reader Email Address’ Captured
1 Website = All the Industry News Under 1 Roof
Anyone with a Net Connection May Access iPMIM
Free Access to Info with a Few Clicks
Detailed news covering all aspects of international healthcare
The Only DAILY News Platform for International Healthcare
Dedicated and Respected Following
Established since June 2011
Over 80 Worldwide Clients
Readers Reached via Linkedin and Twitter, and Email Blasts
Readers Return by Habit

Content is king and allows you to advertise your company, to your customers, alongside the most relevant, up-to-speed industry content. Readers keep returning  based on regular updates that they may receive via Email Newsletter, a LinkedIn group, Twitter or Google Search. As an established and trusted media, iPMI Magazine readers also return based on habbit. They do not wish to visit 500 websites when they may visit 1. The entire process makes iPMI Magazine one of a kind and the only worldwide platform delivering the best information and market data.

“...In just 1 year iPMI Magazine has generated over 70 new contacts and connections for Medic Assistance International. We have leads from all over the world including Australia, Greece, Seychelles, UK, Canada, France, UAE, Saudi, Libya, Singapore, Hong Kong, Malaysia, Germany, Russia, Brazil, India, Indonesia and more! ...” Dr. Siddick Maudarbocus CEO Medic Assistance International

-Latest Health Insurance Headlines @ International Private Medical Insurance Magazine
-Integra Global Renews Advertising and Marketing Deal with International Private Medical Insurance Magazine
-Morgan Price Renews Advertising and Marketing Deal with International Private Medical Insurance Magazine
-ALC Health Renews Advertising and Marketing Deal with International Private Medical Insurance Magazine
-SJA International Renews Advertising and Marketing Deal with International Private Medical Insurance Magazine
-Expatriate Healthcare Renews Advertising and Marketing Deal with International Private Medical Insurance Magazine
-European Air Ambulance Officially Joins Air Ambulance Directory

Explore the iPMI Magazine Press Kit

STATS: Get all the traffic stats and latest reader info on iPMIM
FORMATS: Explore the varied media formats  available @ iPMIM
COUNTRIES: Discover the Geographics of the iPMIM audience
SPONSORS: Learn why and how the industry is working with iPMIM
RATE CARD: Find a suitable rate and marketing program

Our contributors help drive the direction, expansion and content of iPMIM; by delivering a wealth of health, travel, air ambulance, medical and expatriate insurance industry information and knowledge.

Mr. Patrick Leeroy CEO Aria Assistance
Mr. Rupert Dent CEO AirMed
Mr Karsten Steffgan Marketing Manager Globality Health
Mr. Adriano Rocha, Director, You Are Global
Mrs. Alison Massey Marketing Director Now Health
Mr. Andrew Apps Director ALC Health
Mr. Andrew Wilson Independent iPMI Professional
Mr. Angelo Masciantonio CEO HTH Worldwide
Mr. Brian Piper Head BD Integra Global
Mr. Carl Carter MD IMG Europe
Mr. Christopher Percival Director HealthCare International
Mr. Frank Reuter Director REUTER Consulting
Mr. Hamish Millar Director 108 Medical Harley St
Mr. Hans Biekmann CEO Marm Assistance
Mr. James Simpson Director TMCC
Mr. Jon Carpenter MD Morgan Price
Mr. Philip Catterton MD Integra Global
Dr. Premhar Shah CEO The Medical Tourist Company
Dr. Remon Farouk, CEO Egypt In-Touch Assistance
Mrs. Sarah Jewell MD ALC Health
Mr. Steve Nelson Sales Manager April Medibroker
Mr. Chris Connor Director LifeFlight International

iPMI Magazine Readership by Industry.

Due to the complex service based nature of the cross border healthcare business the readership and reach of iPMIM is constantly growing, developing and evolving.  iPMIM targets a worldwide audience of cross border healthcare  buyers and executive decision makers.

Air Ambulance
Banking and Finance
Cost Containment
Defence & Security
Emergency Services
Funeral Directors
Law and Legal
Maritime & Shipping
Media & PR
Medical Transport Providers
Medical Tourism
Military & Armed Forces
Oil and Gas
Student Travel Providers
Translation Providers
Travel Agents
Travel & Tourism

If you are planning your marketing budget and strategy for 2013, log on to Leading Health Insurance Magazine iPMI Magazine, to download the most recent press kit.

About Private Medical Insurance Magazine

International Private Medical Insurance Magazine (iPMIM) is the ultimate Private Medical Insurance online platform and health insurance magazine, serving expatriate, corporate, health and travel insurance markets. Due to the nomadic nature of the international healthcare industry iPMI Magazine is an internet based news service for worldwide healthcare professionals, who need to understand the impacts of healthcare and insurance policy, regulatory, and legislative developments.

iPMI Magazine is the leading international industry voice, of the international travel,health, expat,assistance and private medical insurance market.

iPMI Magazine details private medical insurance providers; the advantages and disadvantages of private medical insurance; international private medical insurance Vs travel insurance; private medical insurance comparison; iPMI Magazine acts as a worldwide guide to private medical insurance, with the most up-to-date news and views from leading providers of private medical insurance plans, including private medical insurance companies like Aviva, Cigna, AXA PPP, HTH Worldwide, ARIA Assistance, ALC Healthcare, Morgan Price International Healthcare, APRIL Medibroker, Integra Global, SJA International, Expatriate Insurance Services, Expatriate Healthcare, Strategic Insurance Services and Strategic Insurance Services.

International Private Medical Insurance Magazine covers many topics on a daily basis and delivers a wealth of information and articles about private medical insurance including medical insurance for pre existing conditions, travel medical insurance, private medical insurance from a canadian insurance company, aviva private medical insurance and private medical insurance for pregnancy. IPMI Magazine: A Definitive Online Guide to Private Medical and Health Insurance.

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Cancer and Its Various Causes and Treatment

Cancer is the type of common disorder that is characterized by the unrestrained partition of the cells. Millions of people all over the world are affected by these dreaded diseases and majority of people are ignorant about the cure and its treatment and thus leads to most of the death in many countries. These cells have the aptitude to invade additional normal tissues.

This disease occurs either by the insertion into the isolated sites by the metastasis or by the direct growth into the contiguous tissue throughout the invasion. The unregulated growths of all the cells are much caused by the damage of the "DNA", which consequences in the mutations to the genes that instruct proteins scheming cell division. These mutations are much caused by the chemical and corporeal agents called as the carcinogens; it is also caused by the close contact to radioactive resources and by certain viruses which can put in their "DNA" into the human genome.

There are numerous types of cancer such as the adrenalin cancer, anal cancer, aids related lymphoma, bladder cancer, brain metastasis, brain tumors, breast cancer, cervical cancer colorectal cancer, endometrial cancer, esophageal cancer, gall bladder cancer, gastric cancer, kidney cancer, laryngeal cancer, liver cancer, lung cancer, melanoma, maesothelomia, ovarian cancer, penile cancer, pituitary cancer, thyroid cancer, prostate cancer, small intestine cancer, small cell lung cancer, bone cancer and the pancreatic cancer.

All these types of cancer are serious in its kinds and are needs proper care and treatment, otherwise it would worsen up. If untreated, any type of cancers can ultimately cause poor health and ultimately death, Cancer is a serious disease which afflicts people at all ages but mostly during the later years of human where the body becomes to weak for fighting against the various bacterial influence.. Cancer is one of the most important causes of death in many urbanized countries. The majority of cancers have appropriate treatment and some are cured and treated by depending on the exact type, phase and location.

Some of the common forms of treatment that we have in the fast and developed medical techniques are biological therapy, bone marrow transplant, chemotherapy, clinical trials, some of the complementary medicines, gene therapy, general treatment concerns, hormone therapy, proton therapy, radiation oncology, surgical oncology, targeted therapies, vaccines therapies and in most of the cases surgeries are done. In every thousand of people all over the world today, we can see two of them are effected by cancer but due to modern technology and proper treatment it can be cured to an extent cut are not able to get rid of the root of cancer.

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Reports Reveals that Stronger Teens Live Longer

Reports Reveals that Stronger Teens Live Longer.PRLog (Press Release) - Nov. 24, 2012 - New research suggests that stronger muscle may help young people to live longer and it also give strength to fight with illness and diseases. The research has taken place at Sweden in which scientists have followed more than one million teenagers aged 16 to 19 over a period of twenty four years. The research results reveal that people having higher muscles strength in adolescence were higher chances to live after the age of 55.  Opposite of this people who have weak muscle strength in teen age are more likely to pass away before age of 55.

Previous studies on such factors have shown that higher body mass index (BMI) and high blood pressure at young age can increase the risk of losing life for someone due to several different reasons. In such situation, if you want to get full health security and coverage then it is essential to get private health insurance( coverage. It is an efficient way for families to keep track of general physical well being. However, it is yet not clear that whether muscular strength in adolescence can predict life expectancy. New health studies have shown some innovative and positive health reports.

During latest health studies, participants were given exercises to test their handgrip strength; knee extension strength and elbow flex strength.

The results show it clearly that people with muscular strength was associated with a 20-35 percent lower risk of early death. They have also better BMI and blood pressure status. In present situation, everyone is well aware about the good results and better health insurance benefits of regular exercise, still there are several individuals who do not care on such recommendations. However, there is no any indication that building up muscles help people to live longer. More information and reports on such health status are available online.

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Prostate Cancer - What is it and Why Should I Care?

The Basics:

The prostate is a walnut sized sex gland located just beneath the bladder in males. It surrounds as portion of the urethra and is just above the pelvic wall muscles. The primary function of the prostate is to provide some of the fluid which accompanies ejaculation. Prostate cancer generally occurs in men over 50, but early screening from 40 on is recommended in particular because during the early stages of the disease there are usually no symptoms.

African American men are disproportionately affected by prostate cancer for many socioeconomic reasons and are 2.5 times more likely to die from prostate cancer than white men.
If there are symptoms present related to the disease they can include: frequent urination at night; difficulty starting or stopping urine; blood in the urine or painful urination; and/or sexual dysfunction. The primary treatments for the disease are surgery or radiation therapy and, if caught in time, usually the cancer can be removed and/or is not fatal.

What You May Not Know:

Over the past 20 years the survival rate for prostate cancer has gone up from 67% to 97%
The rate of prostate cancer is higher for African American men than any other ethnic group
Prostate Cancer is the most common form of cancer, other than skin cancer, among men in the United States, and it is second only to lung cancer as a cause of cancer-related death among men.
Screening for the disease involves a simple blood test and physical examination and can be done in about 10 minutes

What You Need to Know:

1. One in four Black Men is at Lifetime risk of prostate cancer. It is the single most diagnosed non-skin cancer among Black Men. 30,770 will be diagnosed this year alone.
2. Cancer of the prostate is the second-leading cause of death in Black men. An estimated 5,505 will die from prostate cancer this year.
3. Black men have the highest rate of prostate cancer in the world: 1 in 4 men.

Black men also are 2.5 times most likely to die from the disease than Caucasian men. Rates in the U.S. are 60% higher among African American men, and the mortality rate is 2.5 times that of white men. Studies are being done on potential differences in physiology, diet, and access to health care. Rates of prostate cancer in the U.S. are 60% higher among African American men, and the mortality rate is 2.45 times that of white men. Studies are currently being done on potential differences in physiology, diet, and access to health care.
4. The changes of getting prostate cancer are 1 in 3 if you have just one close relative with the disease (father, brother).

The risk is 83% with two close relatives. With three, it is almost (97%).

5. There are no noticeable symptoms of the disease while it is still in the early stages.

This is why screening is so critical.
6. Obesity and high cholesterol levels are strongly associated with advanced stages of the disease.

Men with a body mass index over 32.5 have about 1/3 greater risk of dying from the disease.
(Article statistics are 2006 Estimates by the American Cancer Society.)

This post was made using the Auto Blogging Software from This line will not appear when posts are made after activating the software to full version.

Prostate Cancer Warning Signs - Prudence is Vital

Among men Prostate Cancer is the most common and one of the major causes of death. According to the World Health Organization report in 2002, which states that lung cancer and stomach cancer are affecting men in worldwide proportion while cases of prostate cancer are commonly seen from developed countries? In the WHO 2003 report on the global case of cancer, prostate and testicular cancer accounted 250,000 cases.

Like any type of cancer, Prostate cancer warning signs begin when cells start to produce the abnormal ones and form as a mass that is commonly called tumor. A tumor can be benign or malignant. The malignant tumor is the cancerous tumor. Prostate cancer appears when malignant tissue affects the prostate
Prostate cancer warning sign unlike any other organs of the human body, under normal circumstances, is affected by ageing. As men grows older, the walnut size of their prostate grows bigger and bigger until it became troublesome.

Bacterial infection can also attack men's prostate. Prostate-related diseases like prostitis, enlarged prostate, and cancer share similar bothering symptoms to the affected men. The most common among them is the difficulty in urinating coupled with pain and burning feeling.

Prostate cancer warning signs include difficulty of urinating - as the urethra where the urine passes is blocked by the enlarged prostate. Can you imagine this situation? You have the urge to urinate but yet you find it hard to take a leak. And if you are able to do so, there is some pain felt in the process.

Medication of Prostate Cancer:
Prostate problems can be remedied with certain types of prostate medication. However, doctors do not recommend single prostate medication. When doctors prescribe prostate medication they consider factors other than the type of prostate disease like age of the patient, presence of other disease, and possible benefits and the hidden risks of the type of the prostate medication, and the cost of the treatment.

Genetic is also one major risk factor of the Prostate cancer warning signs. The susceptibility to the disease is higher in men whose brother or father is suffering from the disease. Another identified risk factor of Prostate Cancer is diet. According to NIH, studies have shown diet that are rich in animal fat can increase the likelihood of getting the disease while a diet that is high in vegetables and fresh fruits may lower the probability of acquiring the disease.

Precautions of Prostate Cancer Warning Signs:
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Smelling companies to ban, smokers and those from tobacco smoke

Early January this year, two huge health systems will go beyond refusing to hire smokers, by their employees from tobacco smoke did not to smell at work.

Although refuse, smoking is nothing new for rent and a many years growing practice since, is this is one of the first companies, the staff even smell of tobacco smoke, saying man, the modern non-smoking civil rights movement by the first ever smoking restricted and then banned in airplanes and then in many workplaces and public facilities started to ban.

Henry Ford health system and Beaumont health system in Detroit are Oakwood Healthcare System in Dearborn, Crittenton Hospital Medical Center in Rochester and the Lansing-based Sparrow health system in a prohibition of smoking and those from tobacco smoke smells.

Previously, Baylor health care system in Texas, the Hollywood Casino in Toledo, Ohio, and Geisinger health system in Pennsylvania joined many other companies in following FORBES proposal - "don't hire smokers" - and thus save perhaps $11,000 per worker.

Public interest law professor John Banzhaf, helped start the trend says still more employers of this escalating trend would follow, if they know how easy it was to avoid so-called smokers rights laws and defend them in court.

Although estimates of the cost savings vary by thousands of dollars per year per employee, and upwards, closed a judge, testimony about the matter under oath to get that a typical smoker of his employer can cost over $11,000 per year (in 2012 dollars) says Prof. Banzhaf, the George Washington University law school, the legal proceedings took part.

In addition to slashing costs - spent, which otherwise be borne by non-smoking employees in the form of reduced health care coverage or lower salaries would have to - deal have employees who smoke can present many companies about the negative image.

This is why the trend most health companies, says Banzhaf, which suggests that patients are often disabled if treated by a doctor, a nurse or other professional smelling of tobacco smoke, or simply employees see on hospital premises, smoking. The same reaction can occur, the encounter with smoking employees or insurance smell of smoke, in gyms, wellness, advice centres, etc..

But especially with rising costs and ensure that costs under health reform, companies as diverse as Alaska Airlines, the Union Pacific railroad company, will go still higher-based advantages and Scotts Miracle-Gro have Kalamazoo Community College in Michigan, Walters, a management company Michigan - including the World Health Organization - simply no longer hire smokers. In fact celebrated facing the future of CBS-TV of Scott's policy as a "national model" and a "new reality".

Many employers are reluctant to reset setting smokers, wrong to believe that it constitutes unlawful discrimination. But notes law professor Banzhaf, is it except in those States that have so-called non-smokers rights laws, completely legal because as a smoker - in contrast to black, female, etc.-is not an immutable characteristic, and many courts have confirmed such policies, whether by private companies or even government agencies, which are the State and federal constitutions.

Chris Kuzynski says federal laws that allow the practice because they recognize non-smoking as a protected class, with the U.S. equal employment opportunity Commission.

Even in States with non-smokers rights laws of the statutes are rarely if ever enforced, and also loopholes, Babe, and the American Medical Association (AMA) have pointed out.

There are also many opportunities to achieve a Smokerfree staff - staff - similar medication without violating any of these rules, says Banzhaf.

The AMA American Medical News pointed out, even if outright reject employer State laws prohibit, to stop smoking, breaks no law requires, for example, companies offer smoking or smoke anywhere allow companies ownership outdoors on your own premises or campus in cars in company parking lots, etc.. So, when permitted in practice not smoking breaks and prohibition of smoking anywhere on the premises (in the car), is all put off probably but most definitely smoking by the use or remaining employees.

There is another approach, which has been successfully used for many years in New Hampshire (which has a human rights law's smoker), someone comes on the property that has detectable smell of tobacco smoke residue on him, to prohibit. A smoker is ready, bathing, shampoo, clothes, change, brush his teeth and use mouthwash after every cigarette not he can probably fulfil these strict workplace and don't have hired or employed, even though the law notes Banzhaf.

Also many smokers have rights laws only very limited protection. Some, for example, only prohibit companies "no smoking" a condition of employment, and prohibit smoking less, with fewer benefits, pay etc.
Also apply some smokers rights statute only for government workers to leave by private companies no smoking set. Other statutes apply for and protect only current employees, allows companies to a "non-smoking" policy for future employees to adopt an option with so very qualified unemployed workers, many in the competition for a limited number of positions could be particularly attractive.

Furthermore, Babe, takes some smokers rights laws specifically companies allow to charge smokers more for health insurance. Under federal law can smokers charged more for their health insurance without having a significant advantage for small businesses which may not the many loads are valid would meet a company of the many requirements of "Wellness programs", the increased generally for other health problems such as obesity - the qualification. This is because, in a legal decision obtained by Prof. Banzhaf, the Federal Government determined that while obesity as a "Health" or "Disease" was classified, smoking is simply a "behavior" with the title no legal protection.

In fact at least 40% of large and medium-sized companies - until by 19% in 2011 and only 8% in the year 2009-smoking so much free more than non-smokers expected to to rise like $2000 annually in 2012 for their health insurance with the percentage to almost 50% by 2016.

Professor of public interest law
George Washington University law school,
FAMRI Dr. William c distinguished Professor,.
Fellow, world technology network,
Founder, action on smoking and health (ASH)
2000 H Street, NW
Washington, DC 20052, United States
(202) 994-7229 / / (703) 527-8418
http://Banzhaf.NET/ @profbanzhaf

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