Ctamlouis Health

Health Insurance: Health Savings Account

May 31st, 2010

Health insurance is a critical part of our health care system. For those that are lucky enough to have health insurance, they know that it shouldn’t be taken for granted. For a large number of the unfortunate who don’t have health insurance for their families, do so at great risks.

Health insurance has long been a popular political subject for our country. There are many that fill health insurance should be socialized. There are just as many feel it should be kept private. While both parties may have sound arguments, we have to accept what is available to us. So, unless you’re a government employee, or one of the dwindling corporate employees still receiving health insurance, you need to go out there and get it on your own.

There are a number of health insurance choices that should suit your specific needs. A Health Maintenance Organization, or more commonly called HMO, is one popular health insurance choice. HMOs are one of the most common forms of health insurance provided by employers. They allow you to visit a pre-selected hospital, doctors, or clinics, without restriction. This may or may not be totally covered by your employer, but usually comes at a fixed monthly cost.

The Preferred Provider Organization, or the PPO, is similar to the HMO concept. With the PPO, you are not forced to get a little dig their doctor or hospital. When you do, however, you receive a discount for doing so. This system works on the reimbursement, philosophy. Essentially, you are reimbursed by your insurance company after services are rendered. Sometimes, they will bill your insurer at the time of service.

Indemnity health insurance plans are eight other top and plan that has become quite popular these days. One reason is, you are able to choose any position or hospital you choose. The drawback to this of course is that it comes at a premium. In addition to higher costs ease typically require a larger deductible. For the hypochondriac this may not be the best choice. Those that like to make lots of visits to hospitals might find other plans more suitable. But for those that have to be on their deathbed to see a doctor, this may be an appropriate plan.

The Health Savings Account, HSA, has some similarities to the indemnity health insurance plans. As the Health Savings Account is probably most suitable to the individual that doesn’t require a lot health care, or checkups. These individuals, which most commonly are men, may find the Health Savings Account to be a good choice for them.

Health Savings Accounts are a way to both have a way to save and pay for medical expenses. Any contributions that are made to the Health Savings Account that go unused for medical purposes are retained in a savings account. This savings account can hold many popular investments, such as mutual funds. So, getting back to the individual that avoids medical care, this individual gifts for both best of both worlds. They get the protection of the much-needed health insurance. This provides protection against large medical or accident issues. But, if these funds go unused, they get the benefit of putting the money away for retirement. Any after-tax dollars that are contributed to the Health Savings Account can be detected, up to $2900 for 2008.

Choosing a health insurance plan may seem like a very confusing process. There is no open and shut method of choosing the best health insurance. Each individual is different, with different health needs. The most important step here is to get some form of health insurance. Go in without adequate health insurance puts you and your family at tremendous risks. And those risks just aren’t worth the possible consequences.

Texas Health Insurance: a Step Ahead of the Future

May 31st, 2010

The issue of the growing number of Americans without health insurance is a thorny one.   With this in view, Texas Health Insurance companies are offering affordable health insurance programs for companies, individuals, family groups, and the elderly.   With health care costs increasing, the offers are a welcome respite for families in the median group.    

 

With health insurance, people can avail of long term nursing care, disability compensation, routine and preventive health care.   As a consumer, ask if the company the specifics of the health services covered in their heath insurance plans to be able to assess if you are getting what you need for yourself or for your family because Texas health insurance plans are varied to fit individual and group needs.   

 

With online applications available, you can easily evaluate if you can afford certain Texas health insurance plans by getting online insurance quotes.   Health insurance plans come in various priced packages and you can get a quote for each without bothering to visit the insurance company, which provides the same prompt and friendly service online.  

 

What You Need to Know About Health Insurance

 

For the average person, health insurance processes and paperwork can be confusing because there are several clauses, rules, limitations, and exceptions.   Hence, you need to know what the basics are to understand how health insurance works to get what you want in a health insurance plan.  

 

A health insurance is a contract between you and the insurer.   You agree to buy the premium, which is payable monthly, quarterly, or annually.   The Texas health insurance company is bound to pay for the health and medical services that are covered in the health plan you purchase.   However, be alert to the fact that it takes awhile before the insurance company pays your medical expenses.     

 

As a policyholder, you will come across the following health insurance jargon:

·         Premium – the monthly payment for the plan

·         Deductible – the money you shell out before the company starts paying your health care or medical expenses.

·         Co-payment – the payment you give from your own pocket to visits to the doctor and doctor’s prescriptions.

·         Coinsurance – in this case, the patient pays 20 percent of the surgery expenses and the insurance company will shoulder 80%.

·         Coverage limits – Some areas not fully covered and the company can only pay up to a certain limit.

·         Out of pocket maximum – the maximum placed on the number of out-of-pocket payments before the company starts paying medical expenses

·         Capitation – the amount paid to a health provider who agrees to service the insured and his group or family members.

·         In-network provider – the selected health care providers of the insurer. This is cheaper than seeking health and medical service providers outside of the insurer’s network.

 

In some cases, health providers send the bill to Texas health insurance companies, provided you commit to pay for the services not covered by the insurance.   Generally, with a health insurance, you pay less compared to the astronomical medical bills you shoulder alone without health insurance.    

 

Don’t wait until something happens to you or your loved ones.   Get online insurance quotes from Texas health insurance companies ready to give the health insurance package you need and can afford. Be a step ahead now towards your future.

 

Introduction of School Health Education

May 30th, 2010

The responsibility of school health education is to provide the complete positive experience and the knowledge structure to the student, including the establishment of health education curriculum, the creation of school health environment and carrying out the appropriate school health education plan through principal, teacher, guardian and the broad cooperation which leads in the community.

The significance of school health education:  

Health is one of the main factors which affect young students’ learning capability. So the government has the responsibility to provide the best study conditions. This goal can be achieved by school health education. The school health education program can systematically organize all the factors that promote young people’s health.

The significance of school health education is: Young students are in the life preparation time, health education work, may help them to accept systematic health education since childhood. It will be very helpful for young people to establish a healthy life style, strengthen the self-health care consciousness and ability, prevent common disease, frequently-occurring disease, and even adult sickness. School health education builds the good foundation for their life and the effect is lifelong.

The implementation scope of school health education:

School health education is not only limited to the health education curriculum but also through many kinds of health education in young people’s daily study and the life such as food security, nutrition, smoking control, personal hygiene and so on.

The teaching of school health education:  

Health education should be a part of the entire school education system.

1) The health education curriculum: young students may start their health habit since the baby time. But they usually obtain the systematic medicine and health knowledge in school.   So the school health education curriculum should be the main way for students to obtain this kind of knowledge.

There is huge difference in receptivity and thinking mode among the young students of different ages. So the goal, content, teaching style and materials of health education curriculum should be accordant of the characteristics of different age sections. Because our work is to help student to be active learning not non-passive learning.

Healthy behavior instruction:

The goal of healthy behavior instruction is to help the students to have the basic healthcare knowledge and to command the basic skills of self-healthcare. Health behavior instruction helps students to develop a faith of health and medicine, correct judge and the appraisal ability and healthy behavior. Good behavior may affect not only the individual but also the family and the society.

There are two ways of healthy behavior instruction: Collective activity and individual consultation.  Collective activity aims at the existing behavior question among students. Individual consultation helps each individual student who has special health behavior or medical care questions.  

The school health service:

School health service is directly related to students’ health activities. It is also the essential part of the entire school health plan.   The school health service mainly includes: medical examination, dental examination, immunity vaccination, infectious disease control, common disease prevention and the psychological consultation as well. The school should also provide the necessary services to the disabled students.

The school health environment:

School health environment stimulates and promotes the student to participate in the beneficial health activities, raises their health consciousness of the external environment, including interpersonal and material environment.

The interpersonal environment mainly includes the school interpersonal relationship between the teachers and students, schoolmate and the other personnel.  

The material environment is related to the school constructions, the ground size, the drainage, the garbage disposal system and so on.

How to provide a harmonious and healthy environment to all the students should be considered by all the school health educators.  

 

A Health Savings Account or Hsa Medical Plan Offers Significant Tax, Premium, & Retirement Savings

May 30th, 2010

Since first being signed into law in December 2003 by the Federal Government, Health Savings Account plans (a. k. a. HSA medical insurance plans) are already a proven success & the number of people switching to HSAs from traditional health plans is growing greatly each year.   HSAs are here to stay & a few million have already come on board.   Health Savings Accounts are literally available today to any person over 18 in the U. S.   They offer significant financial benefits including tax, premium, & retirement savings to you, your family, and/or your business.   Knowledge is real power when it comes to your finances. Become informed.   I advise people not miss out on the extraordinary short & long term benefits that HSAs create.

Medical Insurance is the newest form of an investment vehicle.   Today, having an HSA qualified health insurance policy (component #1 – the health insurance policy) together with a Health Savings Account (component #2 – the savings account) is a very wise decision.   First off, from this point forward, we’ll refer to the two components just discussed above as one single entity, either a Health Savings Account, HSA, or HSA Health Savings Plan.   They all mean exactly the same thing.

HSA health savings plans are actually simple to understand.

A Health Savings Account enables you to:

1) Have access to a wide PPO network and in most all cases provides the coverage to allow you to continue seeing your current doctors & specialists.

2) Lower your health insurance premium by 25% – 50%.   To accomplish this, be sure to compare health insurance plans with different carriers.   An individual can typically save between $80 to $250 dollars per month when they change their plan over from a traditional health insurance plan to a HSA qualified high deductible health savings plan.   A family can save even more.   Now the next point is critical!   Since HSA plans all have higher deductibles than most traditional health plans, forget any negative preconceived notions you may have about having a plan with a high deductible.   Do not pay attention to what you may have heard.   Don’t be deceived.   Yes, you’ll now have high deductible insurance, but there are plenty of safety nets that will be there to protect you if & when the need arises.

After you are setup, the first step to take is to place the money you are saving from having a new lower HSA monthly premium and place it into your new Health Savings Account each month.   Realize that doing this doesn’t cost you anything; you are just transferring the money you are saving into another location.

3) Next, enjoy the IRS created triple tax advantages (see the “a-b-c” listed below) that only HSAs offer.   You can reduce your annual out-of-pocket income taxes up to $1800 or more per year.   Save EVERY year on these income taxes. View below your three main tax-saving pillars.

a) HSA Contributions (deposits into your HSA) are 100% tax free

b) The interest earned on all of your HSA account contributions are also 100% tax free. The choice of investments are yours and range anywhere from typical low-interest, virutally zero-risk bank rates to the widest range of stocks, bonds, & mutual funds. The level of risk is entirely up to you and you can increase or decrease it at anytime.

c) Make 100% tax-free withdrawals for virtually all medical expenses.   View a list of HSA Eligible Expenses.

While your funds grow tax free, you are now building a significant retirement account of up to several hundred thousand dollars.   If you must use the money to cover any part of your deductible, you may make a 100% tax free withdrawal.

Here is the point: All of these above benefits & factors strongly diminish the impact of having a high deductible plan.   Realistically there will be many periods of time where your money is only growing and never being withdrawn because you have little or no medical expenses.

Here’s another benefit.   The Internal Revenue Service (IRS) rule says that at age 65 the money from your Health Savings Account may be withdrawn penalty-free for any reason, not just for qualified medical expenses. In this case, you’ll pay just the regular income taxes, just as you would when withdrawing from your IRA. However, your income during retirement generally goes way down as will the taxes required to pay.   You will be paying much lower income tax on these withdrawals than before you were retired.   Finally, understand that the funds in your HSA are always yours, without exception, and they rollover from year to year.   You are also allowed to do a one time rollover from an IRA into a Health Savings Account without any penalty.

And yes, you may continue contributing to your IRA every year while still also making the maximum allowed HSA contributions.   Having both types of retirement accounts is the ultimate scenario, but if you can afford contributing to only one type. . . I would certainly recommend the Health Savings Account.   This is because HSAs are more than solely a retirement savings vehicle.   Read another article I have written about improved benefits and higher limits in 2009 .

The company HSAHealthSavings genuinely specializes in HSA plans so consider contacting us (for contact info, read below “About the Author”). The straight truth is that many people are rather unclear about HSA Health Savings Plans and what they truly accomplish.   Too often, an individual or business’s insurance broker has not kept them properly “up-to-date” on all of the many benefits available to them with an HSA.   It is not that these brokers are not competent.   But the question to consider is, what incentives do they really have to educate their clients on HSAs if doing so will lower their commissions?  Not much of one perhaps.   But you are the party who is really losing out.   Any licensed agent or broker is obligated by a legal fiduciary duty to serve his or her client’s best interest at all times.   This duty should be taken seriously, but isn’t typically enforced by the Department of Insurance.

Last but not least, although insurance companies are legally binded to offer HSA health savings plans in their line of products, they are not going out of their way to promote & publicize these plans.   Doing so would also lower THEIR profits.

Now you are probably starting to see the light.   As a consumer today you really have to take matters into your own hands and become authentically informed. The expert advisors at HSAHealth Savings are on a mission as millions of folks and their families are missing out on the tremendous financial benefits that are so readily attainable RIGHT NOW.   We are excited!  The benefits of health savings plans can literally transform one’s financial portfolio in both the short and long term.   And HSAs are actually beneficial for just about everyone, not only the wealthy, or just older folks.   Regardless of your income level, if you pay for health insurance at all, you owe it to yourself to consider and compare the benefits of HSA health savings plans versus the more traditional health plans you are accustomed to.

 

The Importance of Pursuing Mental Health Integration

May 30th, 2010

Why Pursue Mental Health Integration?

It is the right thing to do: The NCCBH vision statement provides the foundation for our work: We are committed to creating and sustaining healthy and secure communities, achieved through a system that holds the needs of consumers paramount, regardless of their ability to pay.

Vital to this commitment is a network of organizations and advocates promoting services of unparalleled value.

NCCBH members primarily serve public sector consumers, those with severe and persistent mental illness or serious emotional disturbance-the needs of this population are often overlooked in primary care and integration planning. We must assure that their needs as well as the needs of the broader community are appropriately addressed.

Many people in the broader community now receive their behavioral healthcare in a primary care setting, and the gap between the medical and behavioral healthcare systems must be bridged: As noted by Robin Dea and many other commentators, there is:

“evidence that many, if not most, people coming into primary care are being treated for psychosocial problems, not organically based medical disease . . . evidence of medical cost offsets from treating behavioral health problems presenting as physical health problems in the primary care setting . . . the assumption that if adequate detection of early stage psychiatric illness took place in primary care, there would be some prevention of patients going to more severe episodes of major psychiatric illnesses . . . and primary care is where most people who have behavioral health problems are in fact seen. “

Some of the important findings from the research field include:

-The Epidemiologic Catchment Area (ECA) Study and articles based on this survey data, reported the finding that about 50% of care for common mental disorders was delivered in general medical settings. However, many subsequent studies have shown that these disorders may be undiagnosed or under-treated.
-Screening systems, treatment guidelines and provider education in primary care are necessary but not sufficient steps to ensure a difference in outcomes.
-Collaborative and stepped care has been shown to achieve outcomes that are better than “usual care”.

There is the opportunity for quality improvement of care within the primary care and specialty behavioral healthcare settings: Studies have shown that many people with depression stop taking their medications before the minimal time required to effectively treat an episode of depression. Patients at Group Health Cooperative who initiated medications for depression with their primary care physician and received targeted stepped up care and relapse prevention support were significantly more likely to adhere to adequate dosages of medication and to demonstrate a greater decrease in depressive symptoms.

Application of research findings such as these through adoption of evidence-based practices in both primary care and specialty behavioral health (BH) settings will result in better outcomes for consumers.

With the publication of Priority Areas for National Action: Transforming Health Care Quality, the Institute of Medicine’s 2003 follow up to Crossing the Quality Chasm: A New Health System for the 21st Century, a major opportunity and challenge has appeared for the public mental health system.

The Quality Chasm recommended the systematic identification of priority areas for national quality improvement; Priority Areas proposes twenty areas for transforming health care nationally. Included in this list are major depression (screening and treatment) and severe and persistent mental illness (focus on treatment in the public sector).

Their inclusion as priority areas, as well as the findings in the Interim Report from the President’s New Freedom Commission on Mental Health, with its observation that the system is “fragmented and in disarray-not from lack of commitment and skill of those who deliver care, but from underlying structural, financing and organizational problems” suggests that the time for new strategies is at hand.

Many people being served by public behavioral health services need better access to primary care: A rationale less frequently articulated for integration is that the specialty BH system, especially the public sector focusing on the severe and persistent mentally ill adult population (SPMI) and seriously emotionally disturbed (SED) children, serves a disabled consumer population with healthcare needs that are frequently under-addressed due to difficulties in obtaining medical services.

Most state Medicaid waivers related to coverage for physical healthcare have focused on enrollment of the TANF population into Medicaid managed care plans, leaving the disabled Medicaid population unable to adequately access care, or in better situations, reliant on “safety net” providers-community health centers (CHCs) or county delivered health services.

Community health centers serve people who need better access to behavioral healthcare. These “safety net” providers serve a broader scope of patients than just the Medicaid population. But many states have implemented mental health Medicaid waivers that focus the public mental health system on the SPMI/SED and Medicaid populations, with minimal levels of support for non-SPMI/SED or uninsured populations. Often there is not a good match of target populations between the two systems. If the Medicaid mental health program also has a highly managed service authorization and payment methodology, there may be additional barriers to reimbursement for mental health services.

This has led to frustration for “safety net” healthcare providers because they have difficulty obtaining behavioral health services for their non-SPMI/SED or uninsured patients. In a recent survey of CHC medical directors, 80% indicated that cost is the main barrier to behavioral health care for their uninsured populations. The recent financing and development of behavioral health services in CHCs addresses this frustration and is just the latest in a series of efforts to acknowledge that a large proportion of the population gets their behavioral health services in primary care.

Because behavioral health clinicians are a resource for assisting people with all types of chronic health conditions: Yet another reason for integration is the potential contribution of BH clinicians regarding behavioral and lifestyle change: providing interventions targeted at better management of chronic disease, supporting and “leveraging” the time of primary care providers through disease management programs.

Disease management activities focus on several areas: early identification of populations at-risk for costly chronic disease (e. g. , asthma, diabetes), care interventions that utilize evidence-based practices, education-intensive orientations that focus on both patient and provider, care management and a coordinated approach across multidisciplinary treatment teams, and a method for systematic data collection that measures clinical and cost-effectiveness. Large organized healthcare systems, such as Northern California Kaiser-Permanente, implement their major disease management programs with specifically assigned nurses as care managers and educators.

However, many physicians in individual or group practices do not have access to this level of support unless they are in the network of a health plan with active disease management programs. In markets where primary care and multi-specialty groups have accepted accelerated risk, disease management approaches will be especially value-added.

We are in a time of significant public policy activity regarding financing of the national healthcare system and the uninsured population. As we approach the 40th anniversary of the founding of the community mental health center movement, the dialogue has returned us to our public health beginnings-serving the needs of a population.

The Health Resources and Services Administration (HRSA) Primary Care Integration Initiative is currently being implemented across the country. The HRSA initiative includes: identification of system issues related to integration and the development of related strategies; development of a service manual for CHC behavioral health services; development of BH intervention models for CHCs; and grants for establishing BH services in existing CHCs.

Newly funded CHC sites will be expected to provide dental, mental health and substance abuse services, either directly or by subcontract arrangements. CHCs are in the process of decision making about building their own BH services or contracting for BH services, as they prepare their grant applications. (The NCCBH website, www. nccbh. org, has a Primary Care Integration Resource Center with more details about the HRSA process. )

At the same time that HRSA is putting new BH resources into CHCs, reports are emerging from many states indicating that the public mental health system is funded at somewhere around half the level that is needed. In the private sector, the relentless downward pressure on behavioral health PMPMs has also reduced overall system resources, shifting cost from the private sector to the public sector.

Reports such as these were released prior to the current fiscal crisis in state Medicaid programs; rather than addressing the shortfalls, there are significant new reductions in BH services in many states. And, the implementation of managed care methods for Medicaid have made it difficult for some community based BH providers to continue to enact their mission of serving the needs of the population, regardless of ability to pay.

The implications for system-wide duplication and competition for the scarce resources of BH staff and funding, as well as the opportunity to improve consumer access to both health and behavioral healthcare services, suggests that collaboration is a priority at the national, state and local levels. Good public policy will work at sustaining, supporting and requiring collaboration between the two “safety net” systems of community mental health centers and community health centers.

The conceptual model proposed in this paper can become the basis for HRSA grantees to work with their partners in the public mental health system to fully define working relationships and collaboration on behalf of consumers of care.

In summary, the reasons for integration are grounded in the desire to improve access to both primary care and behavioral health services; ensure that there are evidence-based practices as well as consistent communication and coordination of clinical activities (especially medication management-a key concern of consumers) among the providers serving any single individual; wed the skill sets of primary care physicians and BH clinicians in order to better manage chronic health issues; and, participate in and shape the public policy debate regarding how services should be organized, delivered and financed in ways that ensure that needs of public sector SPMI/SED consumers and the broader community alike are met.

Career Prospects in Community-based Mental Health in Maryland

May 30th, 2010

There is a lot of prospect in community-based mental health careers both in the state of Maryland and all over the country.  This is because for years now, there has been a lot of emphasis on prevention and reduction of inpatient hospitalization for all illnesses, including mental illness. This might primarily have been intended for cost control, it has also facilitated quality and access. The second reason why career prospects in community mental health are many is that there is currently a severe shortage of mental health workers in all sectors. The 2007 Maryland Mental Health Workforce White Paper revealed that the number and complexity of mental health problems experienced by children and their families have increased over the past decade. It further said, “At least one in five children and youth, or 20%, experience a mental health disorder. The crisis of mental health in the United States is such that 75-80% of youth with mental health diagnoses receive no services, and services received are often inadequate”. Thirdly, there is inadequate diversity among the few mental health workforce. For example, 28% of Maryland population is of ethnic minority but only 12% of mental workforce is of ethnic minorities. Furthermore, there is an acute shortage of African American males in mental health workforce.

 1. Outpatient Mental Health Clinics (OMHC)

Outpatient mental health clinics provide therapy, counseling, medication management, social skills teaching, and case management services to individuals with severe and chronic mental health problems. Career prospects available in OMHC include:

Therapists and Counselors: New regulations require therapists and counselors in OMHC to have a minimum of a Masters degree and a license (such as LGSW, LCSW, LCSW-C, LGPC, LCPC, RNC, APRN/PMHN) in nursing, social work, psychology, counseling, or psychiatric rehabilitation. Also, an RN without a Masters degree but with an RNC from ANCC can be employed as a therapist. Salaries are very attractive.

2. Psychiatric Rehabilitation Programs (PRP)

PRP programs are an extension of the services provided to the patient in the OMHC. A PRP may stand alone or be an additional service to an OMHC. The purpose of PRP is to promote the rehabilitation, integration and improved quality of life for the patient at home, school, work and community. It aims at helping the patient to function at his or her optimum best in life. The counseling can be done at the Program office (onsite) or at the patient’s home (offsite). PRP counseling could be about a wide range of topics, including anger management skills, social skills, assertiveness skills, medication compliance, coping with symptoms, managing peer pressure, taking a bus, determining bus route, drug and alcohol, gang prevention, sex education, STD education, accessing community resources such as food stamps, affordable housing, bus pass, ID card, driver’s license, job search, preparing for job interview, keeping a job, improving attention in school, completing homework and school projects, respect of authority, etc.      

Even though a mere one-year work experience in a mental health setting or having an AA degree qualifies one to be a PRP counselor, PRP programs prefer to employ persons with a BS degree in any health or mental health related field such as nursing, social work, counseling, psychology and rehabilitation. PRP counselors are usually paid $14 or more per counseling session. Each client receives 2 to 8 counseling sessions per month.

3. Expanded School-Based Mental Health (ESBMH)

In addition to the school clinic, some schools also have an ESBMH clinic. A therapist assigned from an OMHC manages each of such clinics. Apart from providing therapy to troubled kids sent to the therapist’s office from the class or principal’s office, the therapist also serve as a resource person to the school staff regarding particular children, issues or topics related to mental health.  

4. Crisis Response Programs (BCRI, BCARS)

Mental health professionals are also needed in crisis centers where services are provided for anyone in mental health crisis. The two main centers in Baltimore are Baltimore Crisis Response, Inc. (BCRI) and Baltimore Child and Adolescent Response System (BCARS). For employment inquiries, please call 410-433-5255. There are positions that do not need a Masters degree.

BCARS website provides the following information about what they do: 

BCARS is a mobile crisis response service that provides emergency contact with mental health professionals throughout the city.  Dedicated crisis clinicians staff the program as part of a continuum of clinical care provided by the Catholic Charities.   The Johns Hopkins Division of Child and Adolescent Psychiatry provide psychiatric consultations to the program.   BCARS assists children and families facing psychiatric and psychosocial crises by providing hospital diversion and immediate intervention and respite.  For information or assistance, please call the BCARS hotline (410) 752-2272. It is available 24-7.  

BCRI web site provided the following information: about what they do:

HOTLINE: The telephone crisis “hotline” (410-752-2272) is available 24 hours a day and is staffed by trained counselors who have the ability to provide information and referral to the network of human services in the Baltimore metropolitan area. The counselors also provide supportive counseling, dispatch emergency assistance and link callers with more intensive BCRI services.   In FY 2004 – 34,852 and FY 2005 – 30,257 calls were received on the Hotline.

MOBILE CRISIS TEAMS: Mobile crisis teams are comprised of mental health professionals including psychiatrists, social workers and nurses who can be dispatched to community locations to provide immediate assessment, intervention and treatment. Teams operate from 7:00am till midnight seven days per week. Currently the teams average over 2000 responses per year.

IN HOME SUPPORT: Persons experiencing a mental health crisis can often be maintained in the community through regular visits from the BCRI mobile crisis teams. An average of 350 people a year is cared for in this manner.

RESIDENTIAL CRISIS BEDS: Baltimore Crisis Response, Inc. operates 18 psychiatric crisis beds. Crisis beds are not new to Maryland. However, since its inception, BCRI has operated with an average length of stay of 4. 5 days compared with the historical statewide average of 16. 5 days.

PUBLIC EDUCATION AND TRAINING: BCRI provide public and professional education and training on a wide range of mental health related topics including: suicide prevention, crisis intervention, mental illness, and stigma.   Training has also been provided to members of the Baltimore City Police Negotiation Team, over 3,000 patrol officers, Housing Police and Sheriff’s officers. Through special grants and contracts, BCRI has provided training to Baltimore City Public School teachers and guidance counselors, clergy, 911 operators, shelter care staff and others.   Public education is also provided via a cable television program called “Mental Health Matters”.   This program provides practical information regarding mental health issues and community resources.   BCRI has also offered professional training conferences, workshops and symposia.

ADDICTIONS SERVICES: In response to the growing need for addictions treatment services BCRI has expanded and now provides a 10-day residential detoxification program for chemically addicted and dually diagnosed persons.   There are currently 16 beds operated for this purpose.

5. Group Homes

Direct care staff and counselors are needed in group homes to manage, care and support the residents in the areas of activities of daily living, behavior management, life progress, and community living. Employment preference is usually given to individuals who have a degree related to health or mental health. Salary rates are very attractive. New regulations now mandate each group home especially for children to be managed by a Program Administrator (PA) who must possess at least a BS degree in any field but preferably in a health or mental health related field. Program Administrators are very well paid, depending on their education and experience and the size and intensity of the group home.  

6. Private Practice

There are a lot of prospects for licensed mental health professionals with at least a Masters degree to establish their own private practice. The practice could be in the area of clinical, research, educational, or consultancy.

Health Care Services Through Your Individual Health Insurance Plan

May 30th, 2010

An individual health insurance cover, simply stated, is an agreement between you and the insurance firm, aimed at protecting you against any financial constraints on account of a medical emergency. The one pertinent question you need to ask yourself is -what are the factors to be analyzed before deciding on an individual health insurance policy?

It is indeed a fact that medical and preventive sciences have made rapid advancements in today’s world. Nonetheless, it would be prudent to arm yourself with the best individual health insurance cover to protect yourself against any unforeseen illness. Indeed, America’s best health insurance companies are vying with one another in putting together some of the most imaginative individual health insurance policies designed to overcome any medical contingency. If you are unemployed, or self-employed, an individual health insurance policy is the right choice.

Consult with your insurance company if you can have your individual health insurance policy incorporated in its group policy. You may be paying a higher rate but the terms would be more advantageous than if you had to buy your own individual health insurance policy. If you are married, find out if your spouse’s employer is willing to include you in its group policy. If you are left with no option, then it is wise to buy an individual health insurance policy. Even though the insurance cover may be limited and the rates high, you would still be ensuring protection for yourself or your family against financial problems if you are suddenly confronted with a serious illness or medical emergency. Search for a good health insurance professional to help you with the best individual health insurance policy that offers you good value for money.

You have plenty of choices while selecting individual health insurance plans – The PPO Plan or the Preferred Provider Organization, the HMO Plan or the Health Maintenance Organization, the HDHP or the High Deductible Health Insurance and HAS or the Health Savings Accounts Qualified High Deductible Plan.

When considering individual health insurance plans a worthwhile option may be a health savings account plan which has few unique benefits. With individual health insurance plans, you can trade lower deductible health insurance for a plan that has a higher deductible. This will help you save money each month by lowering your premium. Besides the lower cost, higher deductible health savings account plan also has the added benefit of a tax favored savings account. Yet another interesting aspect of these individual health insurance plans is that the money you save rolls over year after year.

Even if you are already covered by your employer’s insurance scheme, you may still need to get additional coverage through an individual health insurance plan. This becomes necessary because employer-sponsored programs often fall short of individual needs. Extensive coverage for self and family can be achieved through a separate individual health insurance plan.

Individual health insurance plans are of two types: – Indemnity plans – Managed care plans. Indemnity plans are costlier but best suited for those who have particular health issues and need to be treated by specific doctors. Managed care plans cost less because you will be visiting a doctor or a hospital that is provided under the plan. If the treatment requires you to visit a specialist, you will need special permission from the insurance service provider. This plan is best suited for individuals without specific health problems, and wanting to pay less.

Medical Electives in Nepal / Health Internship in Nepal

May 30th, 2010

MEDICAL / HEALTH INTERNSHIP IN NEPAL/ MEDICAL ELECTIVES IN NEPAL

Volunteer Society Nepal aims to mobilize medical students and volunteers with health backgrounds in rural places where people do not have access to any health institutes, as the government is not able to provide adequate health services. On the other hand, rural Nepali people are often reluctant to go to the hospital and other modern health services because of orthodox thinking, superstition and other cultural influences. Some of the Nepali people may visit a witchdoctor when they are suffering from an illness. Therefore, it is possible that they die without getting the benefit of modern medication. VSN is playing an active role in linking people in rural areas with volunteers from the west and health volunteers within the country who are really eager to serve the many unprivileged people in Nepal.

Volunteers will mainly be involved in following three activities:-

(1) Working in the Health Post/ Clinic/ Hospital in Nepal  Medical/ Premedical  students will be assigned to clinics, sub-health posts, hospitals and other health institutions. These are either run by the government or a local community in both rural and urban settings. Health students will work with health assistants, doctors, nurses or some combination within. Your daily work will include helping to perform the health staffs’ job. It will also involve researches of common diseases and health issues. Students will get the opportunity to learn about the basic medication system in Nepal. The work will be daily, 3 to 5 hours, 6 days a week.

The Health institutions provide health services to the poor and marginalized people in the community and volunteers will observe and practice following activities:
• Health Post Based Activities
1. General daily clinic
2. MCH
• Family planning (Temporary devices)
• Immunization
• Ante-natal and post –natal clinics
• Health education
• Health post based normal deliveries
• Immunization
3. Pharmacy
4. Simple surgeries
5. Community oral health Clinic
6. Nutritional Rehabilitation center
7. Health Post based nutrition follow up
8. TB Clinic
1. Maternal and Child Health Care
• Immunization
• Under 5 health screening
• Antenatal care
• Postnatal care
• Normal home and health post based delivery
• Identification and referral of high risk pregnancy

2. Family Planning Services
• DMPA
• COC Pills
• Norplant
• Condom distribution

3. General OPD Services
• General clinic
• Pharmacy
• Dressing and injection
• Minor surgery
4. TB dots clinic
• Identification
• Counseling
• Treatment
• Follow up

(2) Health Camps in Nepal
Part of volunteer’s program will be deployment to work in health camps for a predetermined amount of time: 1 day to 3 days. (Volunteers will work with their Nepali experience medical personnel. The students’ responsibilities are to distribute medicine and consult with citizens about health-care.
Through this Health camp, poor and marginalized people in the community will be provided general health services and students will observe and practice following activities:

Community Health Camp
• Examining patients
• Providing general medicines
• Identification and referral if needed
• Immunization
• Education on oral hygiene
• DMPA, COC Pills, Condom distribution
• Heath post based follow up

(3) Health and Sanitation Awareness
Volunteers will be mainly involved in teaching about proper health-care and sanitation and will work with youth clubs, women groups and other local organizations. In addition, they will provide HIV/Aids awareness, First-Aid information to the local people in rural villages and thereby providing them with a practical life-skill. Similar educational lectures will be given to children, by Groups, in government schools, lasting from several days to a week in duration. Again, the Groups’ major focus will be to educate and mobilize community groups who can then pass the information onto the community at large.

Following activities will be organized
Community and School Based health program Activities
• HIV/Aids awareness
• Community health education activities
• School health education activities
• Anti smoking program
• Oral health education
• Reproduction health and sexual education
• First aid training and FA box distribution

Others
Apart from, learning and experiencing health related issue, students will get a maximum benefit:-

• Developing work experience in a marginal society and third world country
• Developing their personal and life skills
• Developing a deep understanding of the Nepali people, their language, and their various cultures
• Making a contribution to the ongoing development process of Nepal
• Enjoying such opportunities as taking part in local festivals, weddings, farming, and visiting different areas in local villagers

Visit at http://www. vsnepal. org
For details and reservation please contact at vsnnepal@ntc. net. np Application instructions:

To make reservation, please forward

+A brief resume
+A photo scanned small sized
+A cover letter mentioning the program of choice, duration of stay and arrival date

To
Mr. Sugandha Shrestha
VOLUNTEER PROGRAM DIRECTOR
Volunteer Society Nepal
Kathmandu, Nepal
Mailing Address:-
Volunteer Society Nepal
P. O. Box : 8975 E. P. C. : 1589
Kathmandu, Nepal
Phone No:
(+977)1-2040353
(+977) 9851009342

How To Get mediclaim Health Insurance Coverage For A Family

May 30th, 2010

Family comes first and so does their health. We all care for our family memebrs and it’s important to secure their health by buying the best mediclaim health insurance coverage that can meet the health related needs of your family. Mediclaim health insurance coverage comes with a variety of benefits to ensure your family’s wellbeing. If your major concern is availing cheap and quality health care services and coverage, we have perfect solutions for you.

The family health insurance services cover the entire health care expenses and long-term nursing or custodial care requirements. The most affordable mediclaim health insurance policies come with easy health care premiums these days. The health insurance coverage for families includes medical care and treatment of ailments and accidents. Some companies also feature critical illness cost within the mediclaim health insurance coverage. Diagnosis, lodging, surgery and ICU charges are covered by the family health insurance policies. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.

The leading health insurance companies today, offer affordable group health insurance and family health insurance coverage.   What’s more! In the time of ascending health care costs, mediclaim health insurance companies are charging easy premiums. Most of the famous health insurance companies offer a wide variety of floater plans ideal for the health care of families. Family floater plans are ideal to cover health care expenses for an entire family. This unique policy allows you to cover your family’s medical expenses under one umbrella. The sum insured remains fixed, while the premium keeps changing. Tax saving benefits is calculated on basis of the changing premium.

Apart from covering costs on illness and surgeries, the family floater health insurance includes coverage for emergencies arising out of acts of terrorism. Cashless facility comes to you across the network hospitals listed on your insurance company’s coverage list. As additional benefits, the floater plan offers you a 2-year continuous coverage with no change in premium in the second year.

Go through the rates and premiums of insurance policies online before you purchase a mediclaim health insurance plan for your family! Family health insurance plans offered by the various companies include coverage for emergency illness as well as regular health check up expenses. Premium discounts are offered for every claim free year. Some insurance companies offer you Standard, Exclusive and Premium Family health insurance coverage. These plans vary in premiums and coverage. You can select from health care premiums ranging between Rs 1 lac to Rs 10 lacs. This way you can make sure that you have chosen a best health plan for your family. Insure your family members and ensure peace of mind.

Texas Health Insurance – Texas Moveable Health Insurance Plan

May 30th, 2010

The laws of Texas health insurance, also known as the portability and the Health Insurance Accountability Act, were established in 1996 by Congress to protect workers and their families to health insurance and establish standards for insurance providers and employers. Title I to protect workers if they change jobs or get fired from a current job. The protection extends to employees as family members. Title II covers a different aspect of the legislation on health insurance, requiring health care facilities, employees, insurance providers and health to meet the standards set nationally. Title II is also known as Administrative Simplification (AS), using electronic data systems in Texas and across the United States to issues of health care much more efficient than in the past.

Title I of the Texas Health Insurance main objective is to change the law on service of public health and retirement income of employees of the Security Act. Under Title I, the providers of health insurance in Texas and across the United States cannot judge eligible workers or not simply based on disability, genetics, or their medical history. Health insurance companies in Texas and other states to be able to impose restrictions on health insurance plans for workers who had pre-existing conditions. However, Title I limits of these restrictions that insurers are allowed to put on benefits for workers who fall into this category. In addition, Title I also prohibits providers of health insurance restrictions on coverage or refuse workers to pre-existing conditions.

Title II of HIPPA was created first for the simplification of administrative rules, which require the Department of Health and Human Services to help promote efficiency and effectiveness of health care system in Texas and all other states. Title II also includes two sets of criminal and civil penalties for those who violate the laws. The Department of Health and Human Services has established five key rules: security, privacy, laws, unique identifiers, and transactions and code sets rules.

The safety rule consists of three sections: administrative, physical and technical. Protective measures administrative guidelines for health care to be met, particularly regarding security issues. The Privacy Rule expands on this, imposing restrictions on disclosure of information concerning a person’s health care status. The application of the Article sets of sanctions, primarily civil violations and fines for those who have violated HIPAA. The article attributes the unique ten-digit National Provider Identifier number to entities such as hospitals or doctors to promote the effectiveness of the health care system in Texas and across the U. S. Finally, the Code operations and establishes rules cover many aspects of health care such as requests for information on eligibility and benefits and the transmission of information on health care.

The HIPAA originally charged health care facilities at a cost to get “in conformity” with the HIPAA. Since its inception, the HIPAA laws have affected research and clinical care. Because HIPAA call for details on many forms, some patients complain that many things are extremely user-hostile. Other studies suggest that the HIPAA privacy rules May have adverse effects on costs and results of health research. The implementation of HIPAA also had effects on clinical care as well. Research shows that health facilities are often uncertain of privacy restrictions, so that May be made for patients as a very reluctant to disclose individual information.

One of the most important areas of HIPAA for those with pre-existing is to cover the requirements in Title I. Title I of the Texas forces individual insurance companies to offer guaranteed issue Texas HIPAA portability of health insurance plans for TX residents who meet certain criteria. If you have any major pre-existing conditions and feel that you May be eligible for a TX HIPAA health insurance plan then be sure and speak with a licensed insurance agent health in Texas to verify your eligibility.

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