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text 2015-08-17 09:02
Complaints against Contraceptive Coverage in America Continues

About half of the United States pregnancies are unintended. The threat of overpopulation has already concerned more than the government until a law was finally drafted for the inclusion of contraceptive coverage in all public employee health care insurance.


Since the bill was passed on 2012, religious and moral activists have started to sue and complain on its legalization. There were those who disapprove on its implication. Many say that it encourages sexual intercourse even without marriage, an act condemned by the church and any religious practice. Other pointed out that it prevents life. More than a hundred complaints were filed due to its infringement of religious laws and liberty.


Because of this reasons, the separation between state and church has long been crossed.


From nuns, Little Sisters for the Poor to Catholic Education Institutions and large church leaders, the complaints are just as pouring. 18 for-profit companies have also filed a lawsuit to avoid complying with birth control law.


To better understand the provision of the bill and on how it is being included in the health plan, many private institutions conducted a study on a number of prescribed contraceptive methods. In a review by Westhill Insurance Consulting, has found out that although the law is requiring all insurance carriers to implement the provision, many are continuously limiting their coverage which is why many women may not be able to have coverage of their choice.


On the other hand, advocates of contraceptive coverage pointed out that there are more benefits and advantages this regulation imposes than what its critics understand. Millions of dollars are saved annually because of prepared medical assistance provided for contraceptives.


With the liberalization of this topic in the United States, other conservative nations take no stand on the issue. Each country is now on its own but many individuals from other liberal countries have expressed either grief or support to the coverage while their homelands remain passive. Employees from Jakarta, Indonesia, for instance expressed how it would be beneficial for them if it be passed in their country which is the largest Islam country in the world but they asked that their identities be hidden. In China, however, the use of contraceptives is already an open issue as 58% of their population uses it. No laws on its inclusion have been discussed yet though.



Source: www.westhillinsuranceconsulting.com/blog
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text 2014-02-12 09:13
WellPoint Offers Seniors Tips for Bouncing Back from Hospitalization - Westhill Consulting Insurance

WellPoint Offers Seniors Tips for Bouncing Back from Hospitalization


INDIANAPOLIS, Feb 10, 2014 (BUSINESS WIRE) -- Imagine you’ve been in the hospital. You’ve eagerly waited for the day you could go home. When that day finally arrives, you’re thrilled. It’s a safe bet the last thing you want to do is to have to return to the hospital.


Unfortunately, far too many people are returning to the hospital after receiving care there, particularly seniors. According to a study published in the New England Journal of Medicine, nearly one-fifth (19.6 percent) of traditional Medicare beneficiaries who had been discharged from a hospital were re-hospitalized within 30 days, and 34 percent were re-hospitalized within 90 days.1 The Medicare Payment Advisory Commission has estimated the cost of hospital readmissions at $15 billion.


“We know that many of these instances are unavoidable,” said Dr. Mary McCluskey, chief medical officer of WellPoint’s Government Business Division. “However, some are preventable, which is unfortunate since hospital stays can expose patients to a host of complications, including possible infections, as well as being costly, stressful and inconvenient.”


WellPoint, which serves thousands of seniors through its affiliated Medicare plans, offers the following tips for making sure a hospital stay doesn’t end up turning into a round-trip.


Understand discharge directions. The transition home really starts before the patient leaves the hospital. It is critical to understand hospital discharge directions. This isn’t as easy as it sounds since patients may be medicated, stressed, groggy or confused. For that reason, it is recommended that patients repeat instructions to their physicians to make sure they understand them. It also may help to write down the instructions or enlist a family member or caregiver to help document them. Another way for a patient to smooth the transition home is to make sure someone at the hospital contacts their primary care physician (PCP) with information about their condition and treatment. People with chronic conditions see many different doctors. It is important for those doctors to communicate with each other.


Fill prescriptions and take them as prescribed. Upon being discharged from the hospital, it is important to fill prescriptions immediately and take them as prescribed. Patients should make sure to understand the timing, dosage and frequency of each drug. Also, patients should take care to understand how existing medicines, including over-the-counter drugs, interact with new drugs. Finally, if any drugs have been stopped, it’s important to ask why. It may be helpful to get a pill organizer to keep track of medicines.


Get follow-up care. According to America’s Health Insurance Plans (AHIP), half of patients who were re-hospitalized within 30 days did not have a physician visit between the time of discharge and re-hospitalization, suggesting one of the reasons people end up back in the hospital is lack of follow-up care. That is why it’s so critical for people to transition from the hospital to their PCP. Patients should schedule follow-up appointments with their regular doctor and keep them. The PCP can coordinate care, making sure patients aren’t exposed to dangerous drug interactions or unnecessary tests. Anyone with trouble getting a timely appointment can call their insurer for help.


Eat properly. People recently discharged from the hospital need to get proper nutrition, including following any dietary restrictions. Appetite is often suppressed after an illness; however, if someone is too sick to eat due to pain, nausea, inability to swallow, etc., then they should contact their doctor.


Take advantage of programs that are there to help. People with Medicare Advantage plans may have access to resources, including case managers, to help them return safely to their homes. Case managers may be able to help a recently discharged patient find transportation to doctor appointments, address potential safety issues in the home and help them locate community programs offering everything from meal delivery to free or discounted medicines. These people are experts at understanding the system and it is their job to help.


Know when things aren’t getting better. Patients should understand which symptoms require immediate intervention and return to the hospital, if necessary. People who aren’t getting better shouldn’t wait for their next appointment.


Be an engaged consumer. Many trips to the hospital occur without warning. However, people with advance notice have resources available to help them research quality and cost. Information about readmission rates for certain hospitals, for example, is available at www.hospitalcompare.hhs.gov , where visitors can enter a procedure and a zip code, select three hospitals, and click “Outcome of Care Measures” to compare results.


“Most of us will have to go to the hospital at some point in our lives,” said McCluskey. “The key is being an engaged patient to prevent hospitalization from becoming a downward spiral, both physically and financially.”


WellPoint affiliates are PPO plans, HMO plans and PDP plans with a Medicare contract. Enrollment in WellPoint affiliated plans depends on contract renewal.

1 Jencks SF, Williams MV and Coleman EA. “Rehospitalizations among Patients in the Medicare Fee-for-Service Program.” New England Journal of Medicine, 360(14): 1418-1428, April 2, 2009.

SOURCE: WellPoint

WellPointDoug Bennett Jr., (502) 889.2103 Doug.BennettJr@wellpoint.com



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